Turn the raw legal text into a practical explanation grounded in National Consumer Credit Protection (Transitional and Consequential Provisions) Act 2009.

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2A Application of the new Credit Code (1) The new Credit Code applies from commencement. Note: The new Credit Code does not apply before commencement. It also does not apply in relation to contracts or other instruments that were made before commencement, unless they are carried over instruments (see item 3). (2) Subitem (1) is subject to subitem 3(2).

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Section 2A - National Consumer Credit Protection (Transitional and Consequential Provisions) Act 2009 - Application of the new Credit Code — Zoe