Privacy (Credit Reporting) Code 2024
Part 1Preliminary
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Part 1—Preliminary
1 Name
2 Commencement
3 Authority
4 This CR Code
5 Definitions
6 Schedules
Schedule 1—Repeals
Privacy (Credit Reporting) Code 2014 (Version 2.3)
Schedule 2—The CR Code
Division 1—Preliminary
1 Application of this CR Code
1A Obligations to destroy information
Division 2—Credit reporting agreements and arrangements
2 Credit reporting system arrangements
3 Open and transparent management of credit reporting information
Division 3—Collection of information
4 Credit providers’ information collection procedures
5 Practices, procedures and systems
Division 4—Credit information
6 Consumer credit liability information
7 Information requests
8 Repayment history information
8A Financial hardship information
9 Default information
10 Payment information
11 Publicly available information
12 Serious credit infringements
Division 5—Dealing with credit information
13 Transfer of rights of credit provider
14 Permitted CRB disclosures
15 Security of credit reporting information
16 Use and disclosure of credit-related personal information by CPs and affected information recipients
17 Protections for victims of fraud
18 Credit reporting body use of credit reporting information to facilitate a credit provider’s direct marketing
Division 6—Access to, and correction of, credit information
19 Access
20 Correction of information
Division 7—Miscellaneous
21 Complaints
22 Record keeping
23 Credit reporting system integrity
24 Information Commissioner’s role
Part 1—Preliminary
1 Name
This instrument is the Privacy (Credit Reporting) Code 2024.