National Consumer Credit Protection Act 2009
Part 1Introduction
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Chapter 1—Introduction
Part 1‑1—Introduction
1 Short title
2 Commencement
3 The National Credit Code
Part 1‑2—Definitions
4 Guide to this Part
Division 2—The Dictionary
5 The Dictionary
Division 3—Definitions relating to the meaning of credit activity
6 Meaning of credit activity
7 Meaning of credit service
8 Meaning of credit assistance
9 Meaning of acts as an intermediary
10 Assignees of credit providers, lessors, mortgagees and beneficiaries of a guarantee
Division 4—Other definitions
12 When a business is carried on in this jurisdiction
13 Meaning of misleading
14 Meaning of person—generally includes a partnership
15 Meaning of person—generally includes multiple trustees
15A Meaning of associate
15B Meaning of mortgage broker
15C Meaning of mortgage intermediary
16 Qualified privilege
16A Meaning of control
16B Meaning of Registrar
Part 1‑3—Application of this Act and the Transitional Act
17 Guide to this Part
Division 2—Constitutional basis and application of this Act and the Transitional Act
18 Constitutional basis for this Act and the Transitional Act
19 Meaning of referring State
20 Meaning of referred credit matter
21 General application of this Act and the Transitional Act
22 When Acts bind Crown
Division 3—Interaction between the Commonwealth credit legislation and State and Territory laws
23 Concurrent operation intended
24 When Commonwealth credit legislation does not apply
25 Avoiding direct inconsistency between Commonwealth and State and Territory laws
26 Regulations to deal with interaction between laws
Chapter 2—Licensing of persons who engage in credit activities
Part 2‑1—Requirement to be licensed to engage in credit activities
27 Guide to this Part
Division 2—Engaging in credit activities without a licence
28 Application of this Division
29 Prohibition on engaging in credit activities without a licence
Division 3—Other prohibitions relating to the requirement to be licensed
30 Prohibitions on holding out and advertising etc.
31 Prohibition on conducting business with unlicensed persons