{"id":"F2006L00609","name":"Privacy Act 1988 - Credit Provider Determination No. 2006-1 (Assignees)","slug":"privacy-act-1988-credit-provider-determination-no-2006-1-assignees","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"repealed","isInForce":false,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":117262,"registerId":"commonwealth-F2006L00609-current","compilationNumber":null,"startDate":"2026-04-03","status":"Repealed","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"1","sectionType":"section","heading":"Privacy Act 1988 - Credit Provider Determination No. 2006-1 (Assignees)","content":"Credit Provider Determination No. 2006-1 (Assignees)\n\nPrivacy Act 1988\n\nUnder s.11B(1)(b)(v)(B) of the Privacy Act 1988, I, Karen Curtis, Privacy Commissioner, determine that:\n\n1\\. A corporation which acquires the rights of a credit provider with respect to the repayment of a loan (whether by assignment, subrogation or other means) shall, in relation to that loan, be regarded as the credit provider for the purposes of the Privacy Act.\n\n2\\. A corporation deemed to be a credit provider by virtue of paragraph 1, above, shall, for the purposes of the Privacy Act, be regarded as the credit provider to whom the loan application was submitted, or who provided the loan.\n\n3\\. This Determination relates to those corporations which are not already credit providers by virtue of paragraphs (a) or (b)(iii) to (iv) of s. 11B(1) of the Privacy Act.\n\n4\\. This Determination continues the effect of Determination 2003 No.2 which expires on 24 February 2006.\n\n5\\. This Determination is effective from 25 February 2006 to 31 August 2006 (inclusive).\n\nThe background to, and reasons for, making this determination are set out in the explanatory statement lodged for registration, together with this determination, on the Federal Register of Legislative Instruments.\n\nKaren Curtis\n\nPrivacy Commissioner\n\n22 February 2006","sortOrder":0}],"analysis":{"kimi_summary":{"_metrics":{"model":"kimi-k2.5","source":"moonshot-batch","completionTokens":2649},"content_quality":"ok","complexity_score":2,"scope_assessment":{"changed":false,"description":"The determination exercises the specific regulatory power conferred by section 11B(1)(b)(v)(B) of the Privacy Act 1988 to specify additional entities that constitute credit providers. It operates strictly within this statutory authority by clarifying that assignees of loan rights fall within the definition, without expanding beyond the intended scope of the enabling provision."},"complexity_factors":["Single operative concept (substitution of assignee for original creditor)","Minimal cross-referencing (only section 11B of the Privacy Act)","Clear temporal limitation (6-month duration specified in paragraph 5)","Explicit exclusion clause (paragraph 3 limits application to non-existing credit providers)"],"plain_english_summary":"This determination treats corporations that acquire rights to collect a debt (by assignment, subrogation or similar) as the \"credit provider\" for the Privacy Act 1988. That means privacy obligations for credit information transfer with the debt, preserving continuity of protection when loans change hands.\n\nIt applied to corporations not already classed as credit providers and operated from 25 Feb 2006 to 31 Aug 2006."}},"importantCases":[],"_links":{"self":"/api/acts/privacy-act-1988-credit-provider-determination-no-2006-1-assignees","history":"/api/acts/privacy-act-1988-credit-provider-determination-no-2006-1-assignees/history","analysis":"/api/acts/privacy-act-1988-credit-provider-determination-no-2006-1-assignees/analysis","conflicts":"/api/acts/privacy-act-1988-credit-provider-determination-no-2006-1-assignees/conflicts","importantCases":"/api/acts/privacy-act-1988-credit-provider-determination-no-2006-1-assignees/important-cases","documents":"/api/acts/privacy-act-1988-credit-provider-determination-no-2006-1-assignees/documents"}}