{"id":"F2010L00634","name":"National Consumer Credit Protection (Fees) Regulations 2010","slug":"national-consumer-credit-protection-fees-regulations-2010","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":"43 of 2010","makingDate":null,"administeringDepartment":null,"currentVersion":{"id":123743,"registerId":"commonwealth-F2010L00634-current","compilationNumber":null,"startDate":"2026-04-03","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Name of Regulations","content":"#### 1 Name of Regulations\n\n These Regulations are the National Consumer Credit Protection (Fees) Regulations 2010.","sortOrder":0},{"sectionNumber":"3","sectionType":"section","heading":"Definitions","content":"#### 3 Definitions\n\n In these Regulations:\n\n> Act means the National Consumer Credit Protection (Fees) Act 2009.\n\n> Australian credit licence has the same meaning as in the National Credit Act.\n\n> credit provider licence means an Australian credit licence that authorises the licensee to engage in a credit activity mentioned in item 1 of the table in subsection 6(1) of the National Credit Act.\n\n> indexable matter: see subregulations 4(4) and 5(3).\n\n> lessor licence means an Australian credit licence that authorises the licensee to engage in a credit activity mentioned in item 3 of the table in subsection 6(1) of the National Credit Act.\n\n> National Credit Act means the National Consumer Credit Protection Act 2009.\n\n> National Credit Regulations means the National Consumer Credit Protection Regulations 2010.\n\n> registered person has the meaning given by subsection 4(1) of the Transitional Act.\n\n> Transitional Act means the National Consumer Credit Protection (Transitional and Consequential Provisions) Act 2009.\n\n> Transitional Regulations means the National Consumer Credit Protection (Transitional and Consequential Provisions) Regulations 2010.","sortOrder":1},{"sectionNumber":"4","sectionType":"section","heading":"Prescribed fees—chargeable matters in Schedule 1","content":"#### 4 Prescribed fees—chargeable matters in Schedule 1\n\n Fees\n (1) For the purposes of sections 5 and 6 of the Act, a fee is prescribed for a chargeable matter mentioned in an item in a table in clause 1 or 2 of Schedule 1.\n (2) The amount of the fee on or after 4 July 2018 is, subject to subregulations (3) to (5), the amount mentioned in the item.\n Alteration of fees\n (3) In a circumstance mentioned in an item in the table in clause 3 of Schedule 1, the fee specified in an item in a table in clause 1 or 2 of that Schedule for a chargeable matter is altered as required by the item.\n Indexable matters\n (4) A chargeable matter is an indexable matter if it is a matter mentioned in an item in the table in clause 2 of Schedule 1, unless “no fee” appears in column 2 of the item.\n (5) In the financial year starting on 1 July 2019, or a subsequent 1 July, the fee for an indexable matter is to be indexed in accordance with regulation 6 and rounded (if necessary) in accordance with regulation 7.","sortOrder":2},{"sectionNumber":"5","sectionType":"section","heading":"Prescribed fees—chargeable matters in Schedule 2","content":"#### 5 Prescribed fees—chargeable matters in Schedule 2\n\n Fees\n (1) For the purposes of sections 5 and 6 of the Act, and subject to subregulation (2), a fee is prescribed for a chargeable matter mentioned in an item in the table in clause 1 of Schedule 2.\n (1A) The amount of the fee on or after 4 July 2018 is, subject to subregulations (3) and (4), the amount mentioned in the item.\n (2) Subregulation (1) does not apply if:\n (a) the inspection or inquiry is made by or on behalf of a Commonwealth entity (within the meaning of section 10 of the Public Governance, Performance and Accountability Act 2013); or\n (b) the inspection or inquiry is made by or on behalf of a Commonwealth company (within the meaning of section 89 of the Public Governance, Performance and Accountability Act 2013); or\n (c) the inspection or inquiry is made by a journalist; or\n (d) the inspection or inquiry is made by a holder of a licence for a commercial broadcasting or television station; or\n (e) the inspection or inquiry is made by the proprietor or publisher of a newspaper that is generally available to the public otherwise than by subscription; or\n (f) the inspection or inquiry is of a credit register that ASIC has made available under subsection 214(2) of the National Credit Act.\n Indexable matters\n (3) A chargeable matter is an indexable matter if it is a matter mentioned in an item in the table in clause 1 of Schedule 2, unless “no fee” appears in column 2 of the item.\n (4) In the financial year starting on 1 July 2019, or a subsequent 1 July, the fee for an indexable matter is to be indexed in accordance with regulation 6 and rounded (if necessary) in accordance with regulation 7.","sortOrder":3},{"sectionNumber":"6","sectionType":"section","heading":"Indexation of fees","content":"#### 6 Indexation of fees\n\n (1) In the financial year starting on 1 July 2019, or a subsequent 1 July, if the latest CPI number is greater than the earlier CPI number, the fee for an indexable matter is the amount worked out using the formula:\n ![](image.002.png)\n\n> Note: The amount may then need to be rounded in accordance with regulation 7.\n\n (2) In the financial year starting on 1 July 2019, or a subsequent 1 July, if the latest CPI number is not greater than the earlier CPI number, the fee for an indexable matter is the amount of the fee for the indexable matter that would have been applicable immediately before that 1 July.\n (3) For this regulation:\n (a) if the Australian Statistician publishes a CPI number for a March quarter in substitution for a CPI number previously published by the Australian Statistician for that quarter, the publication of the later CPI number must be disregarded; and\n (b) if the Australian Statistician changes the reference base for the Consumer Price Index, then, after the change is made, regard must be had only to the CPI numbers published using the new reference base.\n (4) In this regulation:\n\n> CPI number means the All Groups Consumer Price Index number (being the weighted average of the 8 Australian capital cities) published by the Australian Statistician.\n\n> earlier CPI number is the CPI number for the March quarter 2 financial years before the relevant financial year begins.\n\n> latest CPI number is the CPI number for the last March quarter before the relevant financial year begins.\n\n> previous indexable amount is the amount of the fee for an indexable matter (including any alteration in accordance with this regulation or regulation 7) that was applicable immediately before the relevant 1 July.","sortOrder":4},{"sectionNumber":"7","sectionType":"section","heading":"Rounding of fees","content":"#### 7 Rounding of fees\n\n If an amount worked out using Part 1 or 2 of Schedule 1 or Schedule 2 (including any alteration in accordance with Part 3 of Schedule 1 or regulation 6) is an amount of dollars and cents:\n (a) if the amount of cents is at least 50 cents—the amount is to be rounded up to the nearest dollar; or\n (b) otherwise—the amount is to be rounded down to the nearest dollar.","sortOrder":5},{"sectionNumber":"Part 1","sectionType":"part","heading":"Specified fees","content":"## Part 1—Specified fees","sortOrder":6},{"sectionNumber":"Part 2","sectionType":"part","heading":"Registry fees","content":"## Part 2—Registry fees","sortOrder":8},{"sectionNumber":"2","sectionType":"section","heading":"Registry fees","content":"#### 2 Registry fees\n\n For the purposes of subregulations 4(1) and (2), the following table prescribes fees for chargeable matters.\n\n> Note: See also regulation 3 (definitions).\n\n```html\n

Registry fees

Item

Column 1
Chargeable matter

Column 2
Fee

Chargeable matters under the National Credit Act

1

Lodgment of a notice of an authorisation, or a notice of a change to, or revocation of, an authorisation, under section 71 of the National Credit Act

no fee

Chargeable matters under the National Consumer Credit Protection Regulations 2010

2

Notification of an address under paragraph 29(6)(a) of the National Credit Regulations

no fee

3

Notification of a change of address under paragraph 29(6)(b) of the National Credit Regulations

no fee

4

Notification of an address under paragraph 30A(3)(a) of the National Credit Regulations

no fee

5

Notification of a change of address under paragraph 30A(3)(b) of the National Credit Regulations

no fee

Other chargeable matters

6

Production by ASIC, under a subpoena, of:

(a) a register mentioned in the definition of chargeable matter in subsection 4(1) of the Act; or

(b) a document mentioned in that definition

$117

7

Lodgment of a document, notice or application under the National Credit Act or Transitional Act that is not mentioned in the other items in this Part, in Part 1 of this Schedule or in Schedule 2

$117

\n```","sortOrder":9},{"sectionNumber":"Part 3","sectionType":"part","heading":"Alteration of fees in Part 1 or 2","content":"## Part 3—Alteration of fees in Part 1 or 2","sortOrder":10}],"analysis":{"kimi_summary":{"content_quality":"ok","complexity_score":4,"scope_assessment":{"changed":false,"description":"The legislation remains focused on its original purpose of prescribing fees for ASIC's administration of the National Consumer Credit Protection Act. While it has been amended to add indexation (2019 onwards) and adjust specific fee amounts, it has not expanded beyond fee-setting for credit licensing and registry services."},"complexity_factors":["Multiple interlocking statutes referenced (National Credit Act, Transitional Act, Fees Act, PGPA Act)","Nested conditional logic for fee calculations (individual vs non-individual, credit provider/lessor vs other licences)","Indexation formula with CPI calculations and rounding rules","Cascading fee alterations in Part 3 of Schedule 1 (late fees stack with non-electronic fees)","Extensive cross-referencing between regulations, schedules, and external legislation","Multiple exemption categories for registry searches (Commonwealth entities, journalists, broadcasters, newspaper publishers)"],"plain_english_summary":"This law sets the fees charged by ASIC for consumer‑credit regulation—covering licence applications and variations, registry searches and document inspections, and surcharges/penalties for late or non‑electronic lodgments. It applies to credit licence holders and applicants (banks, brokers, lenders, lessors), registered persons, and users of public registers.\n\nFees are indexed annually to CPI, funding ASIC’s oversight of the consumer credit sector and ensuring cost recovery without yearly rule changes."},"flash_summary_failed":{"failed":true,"reason":"A positive credit balance is required for all requests, including BYOK, so fallback providers remain available. Add credits at https://vercel.com/d?to=%2F%5Bteam%5D%2F%7E%2Fai%3Fmodal%3Dtop-up to continue.","source":"analysis-cron"},"flash_summary":{"complexity_score":5,"scope_assessment":{"changed":false,"description":"These Regulations do not expand or remove the categories of chargeable matters established by the underlying Acts; they prescribe the monetary amounts and mechanics for charging (see reg 4(1) and reg 5(1)). They add procedures for altering fees (late/non‑electronic surcharges in Schedule 1 Part 3), and for annual CPI indexation and rounding (regulations 6–7). In short, scope of what is chargeable remains the same; the instrument changes how much is charged and how amounts are updated and applied."},"complexity_factors":["Many discrete fee items across multiple schedules and Parts (numerous line items for differing applicants and actions)","Conditional alterations (surcharges for non‑electronic lodgement and graduated late fees) requiring event detection","Annual indexation using CPI with transitional rules for substituted or rebased CPI numbers (regulation 6(1)–(4))","Rounding rules that apply after indexation and other adjustments (regulation 7)","Multiple cross‑references to the Act, National Credit Regulations, Transitional Act and various sections and subsections","Exemptions and exceptions for particular inspectors and classes of requester (regulation 5(2))","Separate treatment of 'specified' fees (Schedule 1) and 'other' registry fees (Schedule 2) with different indexing triggers","Administrative implementation tasks (tracking applicable CPI quarters, applying increases, and calculating combined alterations)","Potential multiplicative interactions where more than one alteration applies and ordering rules dictate application (Schedule 1 Part 3, item 4)","Sparse discretion for ASIC on inspections (note under Schedule 2 referencing subsection 219(4)) which affects access outcomes"],"plain_english_summary":"These Regulations set the dollar fees and adjustment rules for transactions and filings under the National Consumer Credit Protection framework. They list fixed fees for licence applications, relief applications, registry extracts and inspections, specify exemptions, add surcharges for non‑electronic or late lodgement, and require annual CPI indexation and rounding. Affects applicants, licensees, registrants and users of ASIC registers; ASIC is the collector. The stated aim is cost recovery and predictable updates; the rules shift compliance costs onto filers and create incentives to lodge electronically and on time."}},"importantCases":[],"_links":{"self":"/api/acts/national-consumer-credit-protection-fees-regulations-2010","history":"/api/acts/national-consumer-credit-protection-fees-regulations-2010/history","analysis":"/api/acts/national-consumer-credit-protection-fees-regulations-2010/analysis","conflicts":"/api/acts/national-consumer-credit-protection-fees-regulations-2010/conflicts","importantCases":"/api/acts/national-consumer-credit-protection-fees-regulations-2010/important-cases","documents":"/api/acts/national-consumer-credit-protection-fees-regulations-2010/documents"}}