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National Consumer Credit Protection Amendment (Mandatory Credit Reporting and Other Measures) Bill 2019

Originating house
House of Representatives
Parliament no

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Amends the: National Consumer Credit Protection Act 2009 to: establish a mandatory comprehensive credit reporting regime to apply from 1 April 2020; provide that a credit provider cannot refuse to provide further credit or reduce a customer's credit limit merely because financial hardship information exists; and provide for transitional arrangements; and Privacy Act 1988 to: permit reporting of financial hardship information within the credit reporting system; require the Attorney-General to cause an independent review and report of the credit reporting system before 1 October 2023; and make a number of minor amendments relating to the administration of credit reporting.


House of Representatives
Introduced and read a first time 05 Dec 2019
Second reading moved 05 Dec 2019
Second reading debate 05 Feb 2020
Second reading agreed to 05 Feb 2020
Third reading agreed to 05 Feb 2020
Introduced and read a first time 05 Feb 2020
Second reading moved 05 Feb 2020
Second reading debate 03 Feb 2021
Second reading agreed to 03 Feb 2021
Committee of the Whole debate
  • Amendment details: 34 Government agreed to
03 Feb 2021
Third reading agreed to 03 Feb 2021
House of Representatives
Consideration of Senate message
  • Details: House agreed to Senate amendments
03 Feb 2021
Finally passed both Houses 03 Feb 2021
  • Act no: 5
  • Year: 2021
16 Feb 2021

Documents and transcripts

Text of bill

Explanatory memoranda

Proposed amendments


Schedules of amendments

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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