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
This page provides a range of background documents from the 2009–2015 review of consumer credit law.
From today, prescriptive loan affordability requirements have been removed from Credit Contracts and Consumer Finance Act (CCCFA) regulations.
The Government has made law changes to the Credit Contracts and Consumer Finance Act. This follows our 2018 review of the consumer credit law.
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 MBWe are seeking feedback on an exposure draft of the Credit Contracts and Consumer Finance Amendment Regulations (No 2) 2022 (the Draft Regulations) and accompanying guidance in the Responsible Lending Code (the Draft Code).
Chapter 5: Inquiries into and assessment of substantial hardship (borrowers)
pdf, 208 KB