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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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 MBThis page provides a range of background documents from the 2009–2015 review of consumer credit law.
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 MBWe are seeking feedback on 2 exposure drafts, one on the Credit Contracts and Consumer Finance Amendment Regulations 2020 (the Regulations) and another on Chapter 5 of the Responsible Lending Code (the Code).
From today, prescriptive loan affordability requirements have been removed from Credit Contracts and Consumer Finance Act (CCCFA) regulations.