{"id":"F2005L03258","name":"Determination 2005 No. 1 Privacy Act 1988, s.11B(1)(d)(ii) – concerning Indigenous Business Australia","slug":"determination-2005-no-1-privacy-act-1988-s-11b-1-d-ii-concerning-indigenous-business-australia","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":134576,"registerId":"commonwealth-F2005L03258-current","compilationNumber":null,"startDate":"2026-04-03","status":"Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Determination 2005 No. 1 Privacy Act 1988, s.11B(1)(d)(ii) – concerning Indigenous Business Australia","content":"DETERMINATION 2005 No. 1 PRIVACY ACT 1988, s.11B(1)(d)(ii) – concerning Indigenous Business Australia\n\nUnder s.11B(1)(d)(ii) of the Privacy Act 1988, I DETERMINE that:  \n\n1.  The Australian Government agency Indigenous Business Australia (IBA) is a credit provider for the purposes of the Privacy Act.\n2.  This determination shall take effect on 31 October 2005 and it shall lapse on 30 October 2006.\n3.  The following determination is revoked with effect from 31 October 2005:\n\n-   Credit Reporting Determination: 1999 No.1 Privacy Act 1988, s.11B(1)(d) – concerning the Aboriginal and Torres Strait Islander Commission.\n\nThe background to, and reasons for, making Determination 2005 No.1 are set in the Explanatory Statement in regard to Determination 2005 No.1 Privacy Act 1988, s.11B(1)(d)(ii) concerning Indigenous Business Australia lodged for registration, together with this Determination, on the Federal Register of Legislative Instruments.\n\nKAREN CURTIS\n\nPrivacy Commissioner\n\n20 October 2005","sortOrder":0}],"analysis":{"kimi_summary":{"_metrics":{"model":"kimi-k2.5","source":"moonshot-batch","completionTokens":1984},"content_quality":"ok","complexity_score":1,"scope_assessment":{"changed":false,"description":"The determination operates exactly as intended under s.11B of the Privacy Act - designating a specific government agency as a credit provider. While it updates the designated entity from the abolished ATSIC to its successor IBA, this maintains regulatory continuity without expanding the scope beyond the original legislative purpose of ensuring Indigenous business lenders comply with credit reporting privacy rules."},"complexity_factors":["Only 3 short operative provisions","No defined terms or interpretation section","Single reference to parent Act (s.11B(1)(d)(ii))","Simple revocation of one predecessor instrument (1999 No.1)","Clear fixed duration with explicit start and end dates"],"plain_english_summary":"This determination classifies **Indigenous Business Australia (IBA)** as a **credit provider** under the Privacy Act 1988.\n\n**What this means:**\n- IBA can now access **credit reporting information** about individuals (such as credit histories and repayment records) when assessing loan applications\n- This puts IBA on the same footing as banks and other lenders regarding privacy rules for credit information\n- The determination replaced an earlier rule that applied to the Aboriginal and Torres Strait Islander Commission (ATSIC), which was abolished and whose functions transferred to IBA\n\n**Key limitation:** This designation only lasted for **one year** (from 31 October 2005 to 30 October 2006).\n\n**Who it affects:** Indigenous Business Australia and individuals applying for business loans or credit assistance through IBA."}},"importantCases":[],"_links":{"self":"/api/acts/determination-2005-no-1-privacy-act-1988-s-11b-1-d-ii-concerning-indigenous-business-australia","history":"/api/acts/determination-2005-no-1-privacy-act-1988-s-11b-1-d-ii-concerning-indigenous-business-australia/history","analysis":"/api/acts/determination-2005-no-1-privacy-act-1988-s-11b-1-d-ii-concerning-indigenous-business-australia/analysis","conflicts":"/api/acts/determination-2005-no-1-privacy-act-1988-s-11b-1-d-ii-concerning-indigenous-business-australia/conflicts","importantCases":"/api/acts/determination-2005-no-1-privacy-act-1988-s-11b-1-d-ii-concerning-indigenous-business-australia/important-cases","documents":"/api/acts/determination-2005-no-1-privacy-act-1988-s-11b-1-d-ii-concerning-indigenous-business-australia/documents"}}