Exposure Drafts of Australian Privacy Amendment Legislation

Exposure Drafts of Australian Privacy Amendment Legislation

Report Part 2 - Credit Reporting

6 October 2011

© Commonwealth of Australia 2011
ISBN 978-1-74229-515-2

View the report as a single document - (PDF 882KB)


View the report as separate downloadable parts:

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MEMBERSHIP OF THE COMMITTEE (PDF 10KB)
 
ABBREVIATIONS (PDF 6KB)
 
RECOMMENDATIONS (PDF 23KB)
 
Chapter 1 - Introduction (PDF 22KB)

Terms of reference
Conduct of the inquiry
Consultation undertaken during the inquiry
Structure of the report
References

 
Chapter 2 - Background (PDF 89KB)

Introduction
Context of the current inquiry
The ALRC's review of credit reporting and privacy requirements

 
Chapter 3 - General issues (PDF 148KB)

Introduction
Structure
Level of prescription and complexity
Interaction between the credit reporting provisions and the Australian Privacy Principles
Other components of the reform framework
Section 101 – cross border disclosure
Powers of the Australian Information Commissioner

 
Chapter 4 - Serious credit infringements, identity theft and hardship (PDF 92KB)

Introduction
Serious credit infringements
Identity theft
Hardship flags

 
Chapter 5 - Complaints handling (PDF 117KB)

Introduction
The proposed complaints handling process
Issues raised in submissions
Outcome of consultations

 
Chapter 6 - Credit reporting agency provisions (PDF 132KB)

Introduction
Subdivision B – Consideration of information privacy
Subdivision C – Collection of credit information
Subdivision D – Dealing with credit reporting information etc
Subdivision E – Integrity of credit reporting information
Subdivision F – Access to, and correction of, information
Subdivision G – Dealing with credit reporting information after the retention period ends etc

 
Chapter 7 - Credit provider provisions (PDF 69KB)

Introduction
Subdivision B – Dealing with credit information
Subdivision C – Dealing with credit eligibility information etc
Subdivision E–Access to, and correction of, information

 
Chapter 8 - Division 4 and penalty provisions (PDF 61KB)

Introduction
Division 4 – Other recipients of information
Penalty provisions

 
Chapter 9 - Definitions (PDF 100KB)

Introduction
Definitions contained in section 180
Section 181 – Meaning of credit information
Section 182 – Meaning of default information
Section 184 – Meaning of new arrangement information
Section 187 – Meaning of repayment history information
Section 188 – Meaning of credit provider
Section 192 – Meaning of access seeker
Section 194 – Meaning of credit reporting business

 
Chapter 10 - Committee conclusions (PDF 14KB)
 
Comments from Coalition Senators (PDF 14KB)
 
APPENDIX 1 - Submissions and additional information received by the committee (PDF 8KB)

Submissions
Additional information received
Answers to Questions on Notice

 
APPENDIX 2 - Public Hearing (PDF 6KB)
 
APPENDIX 3 - Other matters raised in submissions (PDF 31KB)

For further information, contact:

Senate Finance and Public Administration Committees
PO Box 6100
Parliament House
Canberra ACT 2600
Australia

Phone: +61 2 6277 3439
Fax: +61 2 6277 5809
Email: fpa.sen@aph.gov.au

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