28CCircumstances where no quote required

#### 28C Circumstances where no quote required For subsection 114(2A) or 137(2A) of the Act, the circumstances are that: (a) the licensee’s credit guide includes a statement that the licensee does not impose fees or charges on consumers for providing credit assistance and other services; or (b) both the following apply: (i) before the licensee provides credit assistance to a consumer, the licensee does not intend to impose a fee or charge on the consumer for providing the credit assistance or other services; (ii) the licensee’s proposal disclosure document includes a statement that no fee or charge has been imposed on the consumer for credit assistance and other services provided by the licensee to the consumer.