{"id":"C1945A00045","name":"Loan (Housing) Act 1945","slug":"loan-housing-act-1945","collection":"act","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":"45 of 1945","makingDate":null,"administeringDepartment":null,"currentVersion":{"id":14341,"registerId":"commonwealth-C1945A00045-current","compilationNumber":null,"startDate":"2026-03-31","status":"Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Loan (Housing) Act 1945","content":"LOAN (HOUSING).\n\nNo. 45 of 1945.\n\nAn Act to authorize the Raising of Moneys to be advanced to the States for the purposes of Housing.\n\n\\[Assented to 11th October, 1945.\\]\n\n\\[Date of commencement, 8th November, 1945.\\]\n\nBE it enacted by the King’s Most Excellent Majesty, the Senate, and the House of Representatives of the Commonwealth of Australia, as follows:—\n\nShort title.\n\n1. This Act may be cited as the Loan (Housing) Act 1945.\n\n  \n\nAuthority to borrow £15,000,000.\n\n2. The Treasurer may, from time to time, under the provisions of the Commonwealth Inscribed Stock Act 1911–1945, or under the provisions of any Act authorizing the issue of Treasury Bills, borrow moneys not exceeding in the whole the sum of Fifteen million pounds.\n\nApplication of moneys.\n\n3. Moneys borrowed under this Act shall be issued and applied only for the expenses of borrowing and for making advances to the States for the purposes of housing in pursuance of the agreement the execution of which is authorized by the Commonwealth and State Housing Agreement Act 1945.","sortOrder":0}],"analysis":{"kimi_summary":{"_metrics":{"model":"kimi-k2.5","source":"moonshot-batch","completionTokens":1820},"content_quality":"ok","complexity_score":1,"scope_assessment":{"changed":false,"description":"The Act maintains its narrow, original purpose of providing borrowing authority specifically for the 1945 Commonwealth-State Housing Agreement. No expansion of scope is evident in this tightly focused, purpose-built statute."},"complexity_factors":["Only three operative sections","No defined terms or interpretation clauses","Single numerical limitation (£15 million cap)","No exceptions, conditions, or cross-references to complex provisions"],"plain_english_summary":"This Act authorises the federal government to borrow up to £15 million (1945 money) to fund public housing, by issuing Commonwealth Inscribed Stock or Treasury Bills. All funds must be lent to the States under the Commonwealth–State Housing Agreement to finance post‑war building of houses and flats.\n\nIt affects State governments as borrowers and families seeking affordable housing, creating a federal financing pipeline for Australia’s post‑war public housing effort."}},"importantCases":[],"_links":{"self":"/api/acts/loan-housing-act-1945","history":"/api/acts/loan-housing-act-1945/history","analysis":"/api/acts/loan-housing-act-1945/analysis","conflicts":"/api/acts/loan-housing-act-1945/conflicts","importantCases":"/api/acts/loan-housing-act-1945/important-cases","documents":"/api/acts/loan-housing-act-1945/documents"}}