12Financial hardship fees

#### 12 Financial hardship fees (1) If: (a) a full fee mentioned in an item in Schedule 1 is payable by an individual; and (b) the item mentions a financial hardship fee; and (c) in the opinion of a Registrar at the time the full fee is payable, the payment of the full fee would cause financial hardship to the individual; the Registrar may determine that the individual may pay the financial hardship fee mentioned in the item instead of the full fee that would otherwise be payable. (2) In considering whether payment of the full fee would cause financial hardship to an individual, the Registrar must consider the individual’s income, day‑to‑day living expenses, liabilities and assets. > Note: A decision of the Registrar under this section is reviewable by the ART: see section 17.