Consumer Credit Legislation Amendment (Enhancements) Bill 2012

Previous Citations
  • Consumer Credit and Corporations Legislation Amendment (Enhancements) Bill 2011
Originating house
House of Representatives
Parliament no

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Amends the National Consumer Credit Protection Act 2009 to: enable certain debtors to seek a credit contract variation; provide for a remedy for unfair or dishonest conduct by credit service providers; restrict the use of particular phrases or words; expand the range of remedies available to consumers; provide the Australian Securities and Investments Commission with standing to apply to court for an order regardless of whether a civil remedy is available under another provision; and make amendments in relation to: reverse mortgage contracts; short-term and small amount credit contracts; tiered caps on costs for credit contracts; and consumer leases. Also amends the: National Consumer Credit Protection (Transitional and Consequential Provisions) Act 2009 to make application provisions; and Competition and Consumer Act 2010 to make technical amendments.


House of Representatives
Introduced and read a first time 21 Sep 2011
Second reading moved 21 Sep 2011
Second reading debate 26 Jun 2012
Second reading agreed to 26 Jun 2012
Consideration in detail debate
  • Amendment details: 69 Government agreed to
26 Jun 2012
Third reading agreed to 26 Jun 2012
Introduced and read a first time 14 Aug 2012
Second reading moved 14 Aug 2012
Second reading debate 20 Aug 2012
Second reading agreed to 20 Aug 2012
Committee of the Whole debate 20 Aug 2012
Third reading agreed to 20 Aug 2012
Text of bill as passed both Houses 20 Aug 2012
  • Act no.: 130
  • Year: 2012
17 Sep 2012

Documents and transcripts

Text of bill

Explanatory memoranda

Proposed amendments

House of representatives


Schedules of amendments

No documents at present

Bills digest


Helpful information

Text of bill

  • First reading: Text of the bill as introduced into the Parliament
  • Third reading: Prepared if the bill is amended by the house in which it was introduced. This version of the bill is then considered by the second house.
  • As passed by both houses: Final text of bill agreed to by both the House of Representatives and the Senate which is presented to the Governor-General for assent.

Explanatory memoranda

  • Explanatory memorandum: Accompanies and provides an explanation of the content of the introduced version (first reading) of the bill.
  • Supplementary explanatory memorandum: Accompanies and explains amendments proposed by the government to the bill.
  • Revised explanatory memorandum: Accompanies and explains the amended version (third reading) of the bill. It supersedes the explanatory memorandum.

Proposed amendments

Circulated by members and senators when they propose to make changes to the bill. For details about the outcome of proposed amendments please refer to either the Votes and Proceedings (House of Representatives) or the Journals (Senate).

Schedules of amendments

Schedules of amendments list amendments agreed to by the second house are communicated to the first house for consideration. Subsequent action by either house may also be included in a schedule.

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