(c) the Competition and Consumer Act 2010 (Cth) (including the Australian Consumer Law) (a) the Privacy Act 1988 (including the Australian Privacy Principles)
#IDATABASE 3.14 REGISTRATION CODE CODE#
The CR code should be read in conjunction with related legislation, regulations, standards, determinations, OAIC guidance and fact sheets, including: The provisions above and before ‘CONTENTS’ should be referred to as ‘section 1, subsection 1(1) etc’. The numbering in the table below, after ‘CONTENTS’, should be referred to as ‘paragraph 1’, ‘paragraph 1.1’ etc. (4) The term “pre-reform code” means the repealed Credit Reporting Code of Conduct (Federal Register of Legislation F2009B00170) which was in force until 12 March 2014. The terms “Hardship Explanatory Memorandum” or “Hardship Ex Mem” mean the Explanatory Memorandum to the National Consumer Credit Protection Amendment (Mandatory Credit Reporting and Other Measures) Bill 2021, while the terms “Hardship Supplementary Explanatory Memorandum” or “Hardship Supp Ex Mem” refers to the Supplementary Explanatory Memorandum to that Bill. (3) The terms “Explanatory Memorandum” or “Ex Mem” mean the Explanatory Memorandum to the Privacy Amendment (Enhancing Privacy Protection) Bill 2012. (2) Terms in bold are defined in the Privacy Act or in this CR code (for ease of reading the often-used defined terms CRB, CP and individual are not bolded). Whilst the summary is intended to assist readers and serve to link the CR code obligations to the Privacy Act provisions, the summary should not be relied upon as a comprehensive statement of those provisions.
The blue rows in the table constitute a high level summary of the provisions of Part IIIA of the Privacy Act that provide the context for the CR code obligations. (1) The white rows in the table that follows are the mandatory CR code provisions.
#IDATABASE 3.14 REGISTRATION CODE FULL#
This CR code does not encompass all aspects of Part IIIA and so compliance with this CR code alone will not achieve full compliance with Part IIIA. This CR code adds to aspects of the credit reporting obligations imposed by Part IIIA of the Privacy Act and the Privacy Regulation 2013. However, more comprehensive reporting necessitates improved privacy protections. That system is intended to increase the efficiency of Australia’s consumer credit market. The CR code is an important part of the regulatory framework for the comprehensive credit reporting system in Australia introduced by the reform Act. This CR code is a written code of practice about credit reporting under s 26N(1) of the Privacy Act as amended by the Privacy Amendment (Enhancing Privacy Protection) Act 2012 (the reform Act). F2022L00575) is repealed upon the commencement of CR code v2.3. The Privacy (Credit Reporting) Code 2014 (Version 2.2) (CR code) included on the Codes Register under subsection 26T(5)(b) of the Privacy Act on 22 April 2022 (Federal Register of Legislation No. This CR code v2.3 is the CR code that is included on the Codes Register under paragraph 26T(5)(b) of the Privacy Act, thereby being the ‘registered CR code’ under section 26M of that Act. This CR code v2.3 commences on 1 July 2022. (2) This CR code may also be cited as CR code v2.3.
(1) This CR code is the Privacy (Credit Reporting) Code 2014 (Version 2.3). Privacy (Credit Reporting) Code 2014 (Version 2.3)
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