{"id":"F2025L00815","name":"Veterans’ Entitlements (Direct Deductions Arrangements) Approval 2025","slug":"veterans-entitlements-direct-deductions-arrangements-approval-2025","collection":"legislative_instrument","jurisdiction":"commonwealth","status":"in_force","isInForce":true,"actNumber":null,"makingDate":null,"administeringDepartment":null,"currentVersion":{"id":106550,"registerId":"commonwealth-F2025L00815-current","compilationNumber":null,"startDate":"2026-04-03","status":"InForce","reasons":null,"registeredAt":null},"sections":[{"sectionNumber":"Part 1","sectionType":"part","heading":"Preliminary","content":"![Coat of Arms of the Commonwealth of Australia](image.001.jpeg)\n\nVeterans’ Entitlements (Direct Deductions Arrangements) Approval 2025\n\nThe Repatriation Commission makes the following instrument.\n\nDated 19 June 2025\n\nThe Seal of the\n\nRepatriation Commission\n\nwas affixed to this instrument\n\nat the direction of:\n\n| Alison Frame | Mark Brewer      |\n| ------------ | ---------------- |\n|              | AM CSC and Bar   |\n| President    | Deputy President |\n| Gwen Cherne  | Kahlil Fegan     |\n|              | DSC AM           |\n| Commissioner | Commissioner     |\n\n  \n\nContents\n\nPart 1—Preliminary 3\n\n1 Name 3\n\n2 Commencement 3\n\n3 Authority 3\n\n4 Repeals 3\n\n5 Definitions 3\n\nPart 2—Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made 4\n\n6 Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made 4\n\nPart 3—Classes of payments for which deductions may be made 5\n\n7 Approved classes of payments for which deductions may be made 5\n\n  \n\n# Part 1—Preliminary\n\n## 1 Name\n\n  This instrument is the Veterans’ Entitlements (Direct Deductions Arrangements) Approval 2025.\n\n## 2 Commencement\n\n  This instrument commences on the day after the day it is registered.\n\n## 3 Authority\n\n  This instrument is made under section 122B of the Veterans’ Entitlements Act 1986.\n\n## 4 Repeals\n\n  The Veterans’ Entitlements (Direct Deductions Arrangements) Instrument 2015 (Instrument 2015 No. R23) is repealed.\n\n## 5 Definitions\n\n> Note: A number of expressions used in this instrument are defined in the Act, including the following:\n\n    child;\n    Commission;\n\n    (c) dependant;\n    (d) service pension;\n    (e) veteran payment.\n  In this instrument:\n\n> Act means the Veterans’ Entitlements Act 1986.\n\n> attendant allowance means an allowance under section 98 of the Act.\n\n> clothing allowance means an allowance under section 97 of the Act.\n\n> decoration allowance means an allowance under section 102 of the Act.\n\n> disability compensation payment means any of the following:\n\n    a pension under Part II or IV of the Act (other than a pension payable at a rate determined in accordance with section 30 of the Act to a dependant of a deceased veteran);\n    a pension payable because of subsection 4(6) or (8B) of the Veterans’ Entitlements (Transitional Provisions and Consequential Amendments) Act 1986 (other than a pension payable in respect of a child).\n\n> income support supplement means a payment under Part IIIA of the Act.\n\n> pensions payable to dependants of deceased veterans means pensions payable at a rate determined in accordance with subsection 30(1) or paragraph 30(2)(a) of the Act.\n\n> recreation transport allowance means an allowance under section 104 of the Act.\n\n> State Housing Authority means an authority listed in the definition of Government rent in subsection 5N(1) of the Act.\n\n> Veterans’ Children Education Scheme allowance means an allowance that is payable by instalments under the Scheme established by the Commission under section 117 of the Act.\n\n# Part 2—Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made\n\n## 6 Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made\n\n  For section 122B of the Act, the following are approved classes of pensions, allowances or pecuniary benefits:\n    (a) attendant allowances;\n    (b) clothing allowances;\n    (c) decoration allowances;\n    (d) disability compensation payments;\n    (e) income support supplements;\n    (f) pensions payable to dependants of deceased veterans;\n    (g) recreation transport allowances;\n    (h) service pensions;\n    (i) veteran payments;\n    (j) Veterans' Children Education Scheme allowances.\n\n  \n\n# Part 3—Classes of payments for which deductions may be made\n\n## 7 Approved classes of payments for which deductions may be made\n\n  For section 122B of the Act, the following are approved classes of payments:\n    (a) payments to a State Housing Authority that are—\n      (i) payments of rent;\n      (ii) payments for principal or interest of a loan; or\n      (iii) payments for a debt;\n    (b) payments to Westpac Banking Corporation (ABN 33 007 457 141) that are—\n      (i) payments for principal or interest of a loan; or\n      (ii) payments of insurance premiums.","sortOrder":0},{"sectionNumber":"1","sectionType":"part","heading":"Name","content":"## 1 Name\n\n  This instrument is the Veterans’ Entitlements (Direct Deductions Arrangements) Approval 2025.","sortOrder":1},{"sectionNumber":"2","sectionType":"part","heading":"Commencement","content":"## 2 Commencement\n\n  This instrument commences on the day after the day it is registered.","sortOrder":2},{"sectionNumber":"3","sectionType":"part","heading":"Authority","content":"## 3 Authority\n\n  This instrument is made under section 122B of the Veterans’ Entitlements Act 1986.","sortOrder":3},{"sectionNumber":"4","sectionType":"part","heading":"Repeals","content":"## 4 Repeals\n\n  The Veterans’ Entitlements (Direct Deductions Arrangements) Instrument 2015 (Instrument 2015 No. R23) is repealed.","sortOrder":4},{"sectionNumber":"5","sectionType":"part","heading":"Definitions","content":"## 5 Definitions\n\n> Note: A number of expressions used in this instrument are defined in the Act, including the following:\n\n    child;\n    Commission;\n\n    (c) dependant;\n    (d) service pension;\n    (e) veteran payment.\n  In this instrument:\n\n> Act means the Veterans’ Entitlements Act 1986.\n\n> attendant allowance means an allowance under section 98 of the Act.\n\n> clothing allowance means an allowance under section 97 of the Act.\n\n> decoration allowance means an allowance under section 102 of the Act.\n\n> disability compensation payment means any of the following:\n\n    a pension under Part II or IV of the Act (other than a pension payable at a rate determined in accordance with section 30 of the Act to a dependant of a deceased veteran);\n    a pension payable because of subsection 4(6) or (8B) of the Veterans’ Entitlements (Transitional Provisions and Consequential Amendments) Act 1986 (other than a pension payable in respect of a child).\n\n> income support supplement means a payment under Part IIIA of the Act.\n\n> pensions payable to dependants of deceased veterans means pensions payable at a rate determined in accordance with subsection 30(1) or paragraph 30(2)(a) of the Act.\n\n> recreation transport allowance means an allowance under section 104 of the Act.\n\n> State Housing Authority means an authority listed in the definition of Government rent in subsection 5N(1) of the Act.\n\n> Veterans’ Children Education Scheme allowance means an allowance that is payable by instalments under the Scheme established by the Commission under section 117 of the Act.","sortOrder":5},{"sectionNumber":"Part 2","sectionType":"part","heading":"Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made","content":"![Coat of Arms of the Commonwealth of Australia](image.001.jpeg)\n\nVeterans’ Entitlements (Direct Deductions Arrangements) Approval 2025\n\nThe Repatriation Commission makes the following instrument.\n\nDated 19 June 2025\n\nThe Seal of the\n\nRepatriation Commission\n\nwas affixed to this instrument\n\nat the direction of:\n\n| Alison Frame | Mark Brewer      |\n| ------------ | ---------------- |\n|              | AM CSC and Bar   |\n| President    | Deputy President |\n| Gwen Cherne  | Kahlil Fegan     |\n|              | DSC AM           |\n| Commissioner | Commissioner     |\n\n  \n\nContents\n\nPart 1—Preliminary 3\n\n1 Name 3\n\n2 Commencement 3\n\n3 Authority 3\n\n4 Repeals 3\n\n5 Definitions 3\n\nPart 2—Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made 4\n\n6 Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made 4\n\nPart 3—Classes of payments for which deductions may be made 5\n\n7 Approved classes of payments for which deductions may be made 5\n\n  \n\n# Part 1—Preliminary\n\n## 1 Name\n\n  This instrument is the Veterans’ Entitlements (Direct Deductions Arrangements) Approval 2025.\n\n## 2 Commencement\n\n  This instrument commences on the day after the day it is registered.\n\n## 3 Authority\n\n  This instrument is made under section 122B of the Veterans’ Entitlements Act 1986.\n\n## 4 Repeals\n\n  The Veterans’ Entitlements (Direct Deductions Arrangements) Instrument 2015 (Instrument 2015 No. R23) is repealed.\n\n## 5 Definitions\n\n> Note: A number of expressions used in this instrument are defined in the Act, including the following:\n\n    child;\n    Commission;\n\n    (c) dependant;\n    (d) service pension;\n    (e) veteran payment.\n  In this instrument:\n\n> Act means the Veterans’ Entitlements Act 1986.\n\n> attendant allowance means an allowance under section 98 of the Act.\n\n> clothing allowance means an allowance under section 97 of the Act.\n\n> decoration allowance means an allowance under section 102 of the Act.\n\n> disability compensation payment means any of the following:\n\n    a pension under Part II or IV of the Act (other than a pension payable at a rate determined in accordance with section 30 of the Act to a dependant of a deceased veteran);\n    a pension payable because of subsection 4(6) or (8B) of the Veterans’ Entitlements (Transitional Provisions and Consequential Amendments) Act 1986 (other than a pension payable in respect of a child).\n\n> income support supplement means a payment under Part IIIA of the Act.\n\n> pensions payable to dependants of deceased veterans means pensions payable at a rate determined in accordance with subsection 30(1) or paragraph 30(2)(a) of the Act.\n\n> recreation transport allowance means an allowance under section 104 of the Act.\n\n> State Housing Authority means an authority listed in the definition of Government rent in subsection 5N(1) of the Act.\n\n> Veterans’ Children Education Scheme allowance means an allowance that is payable by instalments under the Scheme established by the Commission under section 117 of the Act.\n\n# Part 2—Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made\n\n## 6 Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made\n\n  For section 122B of the Act, the following are approved classes of pensions, allowances or pecuniary benefits:\n    (a) attendant allowances;\n    (b) clothing allowances;\n    (c) decoration allowances;\n    (d) disability compensation payments;\n    (e) income support supplements;\n    (f) pensions payable to dependants of deceased veterans;\n    (g) recreation transport allowances;\n    (h) service pensions;\n    (i) veteran payments;\n    (j) Veterans' Children Education Scheme allowances.\n\n  \n\n# Part 3—Classes of payments for which deductions may be made\n\n## 7 Approved classes of payments for which deductions may be made\n\n  For section 122B of the Act, the following are approved classes of payments:\n    (a) payments to a State Housing Authority that are—\n      (i) payments of rent;\n      (ii) payments for principal or interest of a loan; or\n      (iii) payments for a debt;\n    (b) payments to Westpac Banking Corporation (ABN 33 007 457 141) that are—\n      (i) payments for principal or interest of a loan; or\n      (ii) payments of insurance premiums.","sortOrder":6},{"sectionNumber":"6","sectionType":"part","heading":"Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made","content":"## 6 Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made\n\n  For section 122B of the Act, the following are approved classes of pensions, allowances or pecuniary benefits:\n    (a) attendant allowances;\n    (b) clothing allowances;\n    (c) decoration allowances;\n    (d) disability compensation payments;\n    (e) income support supplements;\n    (f) pensions payable to dependants of deceased veterans;\n    (g) recreation transport allowances;\n    (h) service pensions;\n    (i) veteran payments;\n    (j) Veterans' Children Education Scheme allowances.","sortOrder":7},{"sectionNumber":"Part 3","sectionType":"part","heading":"Classes of payments for which deductions may be made","content":"![Coat of Arms of the Commonwealth of Australia](image.001.jpeg)\n\nVeterans’ Entitlements (Direct Deductions Arrangements) Approval 2025\n\nThe Repatriation Commission makes the following instrument.\n\nDated 19 June 2025\n\nThe Seal of the\n\nRepatriation Commission\n\nwas affixed to this instrument\n\nat the direction of:\n\n| Alison Frame | Mark Brewer      |\n| ------------ | ---------------- |\n|              | AM CSC and Bar   |\n| President    | Deputy President |\n| Gwen Cherne  | Kahlil Fegan     |\n|              | DSC AM           |\n| Commissioner | Commissioner     |\n\n  \n\nContents\n\nPart 1—Preliminary 3\n\n1 Name 3\n\n2 Commencement 3\n\n3 Authority 3\n\n4 Repeals 3\n\n5 Definitions 3\n\nPart 2—Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made 4\n\n6 Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made 4\n\nPart 3—Classes of payments for which deductions may be made 5\n\n7 Approved classes of payments for which deductions may be made 5\n\n  \n\n# Part 1—Preliminary\n\n## 1 Name\n\n  This instrument is the Veterans’ Entitlements (Direct Deductions Arrangements) Approval 2025.\n\n## 2 Commencement\n\n  This instrument commences on the day after the day it is registered.\n\n## 3 Authority\n\n  This instrument is made under section 122B of the Veterans’ Entitlements Act 1986.\n\n## 4 Repeals\n\n  The Veterans’ Entitlements (Direct Deductions Arrangements) Instrument 2015 (Instrument 2015 No. R23) is repealed.\n\n## 5 Definitions\n\n> Note: A number of expressions used in this instrument are defined in the Act, including the following:\n\n    child;\n    Commission;\n\n    (c) dependant;\n    (d) service pension;\n    (e) veteran payment.\n  In this instrument:\n\n> Act means the Veterans’ Entitlements Act 1986.\n\n> attendant allowance means an allowance under section 98 of the Act.\n\n> clothing allowance means an allowance under section 97 of the Act.\n\n> decoration allowance means an allowance under section 102 of the Act.\n\n> disability compensation payment means any of the following:\n\n    a pension under Part II or IV of the Act (other than a pension payable at a rate determined in accordance with section 30 of the Act to a dependant of a deceased veteran);\n    a pension payable because of subsection 4(6) or (8B) of the Veterans’ Entitlements (Transitional Provisions and Consequential Amendments) Act 1986 (other than a pension payable in respect of a child).\n\n> income support supplement means a payment under Part IIIA of the Act.\n\n> pensions payable to dependants of deceased veterans means pensions payable at a rate determined in accordance with subsection 30(1) or paragraph 30(2)(a) of the Act.\n\n> recreation transport allowance means an allowance under section 104 of the Act.\n\n> State Housing Authority means an authority listed in the definition of Government rent in subsection 5N(1) of the Act.\n\n> Veterans’ Children Education Scheme allowance means an allowance that is payable by instalments under the Scheme established by the Commission under section 117 of the Act.\n\n# Part 2—Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made\n\n## 6 Approved classes of pensions, allowances and pecuniary benefits from which deductions may be made\n\n  For section 122B of the Act, the following are approved classes of pensions, allowances or pecuniary benefits:\n    (a) attendant allowances;\n    (b) clothing allowances;\n    (c) decoration allowances;\n    (d) disability compensation payments;\n    (e) income support supplements;\n    (f) pensions payable to dependants of deceased veterans;\n    (g) recreation transport allowances;\n    (h) service pensions;\n    (i) veteran payments;\n    (j) Veterans' Children Education Scheme allowances.\n\n  \n\n# Part 3—Classes of payments for which deductions may be made\n\n## 7 Approved classes of payments for which deductions may be made\n\n  For section 122B of the Act, the following are approved classes of payments:\n    (a) payments to a State Housing Authority that are—\n      (i) payments of rent;\n      (ii) payments for principal or interest of a loan; or\n      (iii) payments for a debt;\n    (b) payments to Westpac Banking Corporation (ABN 33 007 457 141) that are—\n      (i) payments for principal or interest of a loan; or\n      (ii) payments of insurance premiums.","sortOrder":8},{"sectionNumber":"7","sectionType":"part","heading":"Approved classes of payments for which deductions may be made","content":"## 7 Approved classes of payments for which deductions may be made\n\n  For section 122B of the Act, the following are approved classes of payments:\n    (a) payments to a State Housing Authority that are—\n      (i) payments of rent;\n      (ii) payments for principal or interest of a loan; or\n      (iii) payments for a debt;\n    (b) payments to Westpac Banking Corporation (ABN 33 007 457 141) that are—\n      (i) payments for principal or interest of a loan; or\n      (ii) payments of insurance premiums.","sortOrder":9}],"analysis":{"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":3,"scope_assessment":{"changed":false,"description":"The instrument exercises the Commission's approval power under s122B to identify which veteran entitlements can be subject to direct deductions and which payees/payments are approved. It repeals the 2015 instrument (clause 4) but does not amend the Act itself. From the text provided, the instrument maintains the same functional role (approving deduction classes and payees); a detailed comparison with the repealed 2015 instrument is not possible from this document alone."},"complexity_factors":["Legal hook is single provision: made under s122B of the Veterans’ Entitlements Act 1986 (see 'Authority') — narrow statutory scope.","Relies on multiple definitions taken from the Act (see 'Definitions') so interpretation requires cross-reference to the Act's terms.","Enumerative structure: simple lists of approved benefit classes (clause 6) and approved payees/payments (clause 7) — low doctrinal complexity but precise drafting needed.","Names a single private bank (Westpac) and State Housing Authorities as approved payees (clause 7) — creates concentrated, specific administrative outcomes.","Repeals a prior instrument (clause 4) — raises implementation/transition questions but no substantive amendment to the Act is made here.","The instrument text contains repeated duplicated material in the published copy, which could cause administrative or interpretive confusion."],"plain_english_summary":"This Approval, made under section 122B of the Veterans’ Entitlements Act 1986, authorises the Repatriation Commission to arrange direct deductions from specified veteran pensions, allowances and pecuniary benefits. It lists which entitlements may be reduced and permits those deductions to be paid to State Housing Authorities (for rent, loan repayments and debts) and to Westpac (for loan repayments and insurance premiums). The instrument affects recipients of those entitlements, the Commission as decision-maker, and the named payees by shifting payment flows and creating administrative and compliance tasks."},"kimi_summary":{"content_quality":"ok","complexity_score":2,"scope_assessment":{"changed":false,"description":"The instrument maintains the same scope as its predecessor (the 2015 instrument it repeals). It continues to serve the narrow, specific purpose of authorising direct deduction arrangements for veterans' benefits, limited to housing-related payments and Westpac banking products. No expansion of scope is evident."},"complexity_factors":["Short instrument with only 7 operative sections","Simple list-based structure (two main lists: what can be deducted from, and what can be deducted for)","10 defined terms, mostly referencing existing definitions in the parent Act","No nested exceptions or conditional logic","No cross-references beyond basic references to the authorising section (122B) and parent Act definitions","Straightforward repeal of single previous instrument"],"plain_english_summary":"This instrument authorises the government to make direct, voluntary deductions from veterans’ pensions and allowances to pay specific housing and banking obligations (rent/home loan/debts to State Housing Authorities and home loan repayments/insurance to Westpac). It affects veterans and their families who receive government benefits, updating and replacing a 2015 arrangement to help manage essential payments and avoid missed bills."}},"importantCases":[],"_links":{"self":"/api/acts/veterans-entitlements-direct-deductions-arrangements-approval-2025","history":"/api/acts/veterans-entitlements-direct-deductions-arrangements-approval-2025/history","analysis":"/api/acts/veterans-entitlements-direct-deductions-arrangements-approval-2025/analysis","conflicts":"/api/acts/veterans-entitlements-direct-deductions-arrangements-approval-2025/conflicts","importantCases":"/api/acts/veterans-entitlements-direct-deductions-arrangements-approval-2025/important-cases","documents":"/api/acts/veterans-entitlements-direct-deductions-arrangements-approval-2025/documents"}}