Credit report regulation

Written By For Good Digital

In Australia, credit reporting is regulated by:

  • Part IIIA of the Privacy Act 1988 (Cth) (‘Privacy Act’);

  • Privacy Regulation 2013 (Cth) (‘Privacy Regulation’);

  • Privacy (Credit Reporting) Code 2014 (Version 2.3) (‘CR Code’), which is a legally binding code – a breach of the CR Code is treated as a breach of the Privacy Act;

  • National Consumer Credit Protection Amendment (Mandatory Credit Reporting and Other Measures) Act 2021 (Cth) (‘NCCP Act’); and

  • National Consumer Credit Protection Amendment (Debt Management Services) Regulations 2021 (Cth) (‘NCCP Regulations’).

Credit report regulation

Chapter: 5.9: Credit reporting

Contributor: Stephen Nowicki, Director of Legal Practice, Consumer Action Law Centre

Current as of: 1 September 2024

Law Handbook Page: 399

Next Section: Who can add information to a credit report?

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