Consumer credit contracts - overview
This page provides an overview of what a consumer credit contract is and explains the rules and consumer protections that apply to this type of contract.
Disclosure
This page provides an overview of what disclosure is and why it is important. It explains what disclosure a lender must give a borrower and when.
Initial disclosure under a consumer credit contract
This fact sheet explains what disclosure lenders must provide at the start of a consumer credit contract and how they must provide it.
Continuing disclosure under a consumer credit contract
This fact sheet explains what disclosure lenders must provide throughout a consumer credit contract, and when and how they must provide it.
Guarantee disclosure under a consumer credit contract
This fact sheet explains what disclosure lenders must give to someone guaranteeing a consumer credit contract, and when and how they must provide it.
Request disclosure under a consumer credit contract
This fact sheet explains what disclosure lenders must provide if asked and when and how they must provide it.
Variation disclosure under a consumer credit contract
This page explains what disclosure lenders must provide if making changes to a consumer credit contract and when and how they must provide it.
Interest charges under a consumer credit contract
This page provides an overview of the rules that apply to interest charges under a consumer credit contract. It explains a lender’s obligations when calculating and charging a borrower interest or default interest.
Payments under a consumer credit contract
This page provides an overview of a lender’s obligations when accepting payments under a consumer credit contract. It also explains when a borrower can make payments, including their right to repay a debt early.
Fees under a consumer credit contract
This page provides an overview of the types of fees a lender may charge a borrower under a consumer credit contract and the rules that apply.
Credit-Related Insurance, Extended Warranties and Repayment Waivers
This page provides an overview of credit-related insurance, extended warranties and repayment waivers. It explains a lender's obligations when a borrower buys these services in connection with a consumer credit contract or consumer lease.
Consumer rights under a consumer credit contract - cancellation
This fact sheet explains when borrowers can cancel a consumer credit contract. It is designed to give both lenders and borrowers an understanding of their rights and obligations.
Consumer rights under a consumer credit contract - hardship
This fact sheet explains when a borrower may be able to apply for changes to a consumer credit contract because they are facing hardship. It is designed to give both lenders and borrowers an understanding of when a hardship application may be appropriate and what types of changes can be made to a contract.
Oppressive contracts - protections for borrowers
This fact sheet provides an overview of how borrowers and guarantors are protected from oppression and explains a court's power to deal with oppressive contracts or behaviour.
What happens if a lender breaches the CCCF Act?
This fact sheet provides an overview of the penalties a lender can face if they breach the Credit Contracts and Consumer Finance Act and explains what remedies are available to borrowers.
