This discussion paper seeks feedback on possible changes to the Responsible Lending Code to support lenders to continue to meet their ‘lender responsibility principles’ under the CCCFA..
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responsible lending
Background to the 2009–2015 review of consumer credit law
This page provides a range of background documents from the 2009–2015 review of consumer credit law.
Changes to consumer credit law 2020
The Government has made law changes to the Credit Contracts and Consumer Finance Act. This follows our 2018 review of the consumer credit law.
Summary: Changes to the Credit Contracts and Consumer Finance Regulations 2004 and Responsible Lending Code following the 2022 review
Changes have been made to the affordability assessment requirements under the Credit Contracts and Consumer Finance Regulations 2004 (the Regulations) and Responsible Lending Code (the Code). This is
The Responsible Lending Code provides guidance on how lenders can meet their responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. This is version 6 of the Code and is in force from 31 July 2024.
pdf, 1.1 MB
The Responsible Lending Code provides guidance on how lenders can meet their responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. This is version 5 of the Code and is in force from 4 May 2023.
pdf, 1.1 MB
The Responsible Lending Code provides guidance on how lenders can meet their responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. This is version 4 of the Code and is in force from 7 July 2022.
pdf, 1.2 MB
Chapter 5: Inquiries into and assessment of substantial hardship (borrowers)
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The Responsible Lending Code provides guidance on how lenders can meet their responsible lending obligations under the Credit Contracts and Consumer Finance Act 2003. This is version 3 of the Code (published February 2021, and amended September 2021), in force from 1 December 2021 to 6 July 2022.
pdf, 1.3 MB