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Lecture Fundamentals of business law (4th): Chapter 14 - Margaret L. Barron, Richard J.A. Fletcher

Chapter 14 - Consumer credit law. At the end of this chapter you should understand: the background to the development of the National Credit Code, the types of credit contract regulated by the National Credit Code, the types of credit excluded from the operation of the National Credit Code, the key requirements that must be disclosed under a consumer credit contract,. | This is the prescribed textbook for your course. Available NOW at your campus bookstore! 14- Copyright © 2000 McGraw-Hill Australia Consumer credit law Chapter 14 Customer Credit Code Introduced on 1 November 1996 Developed uniform credit laws in Australia Includes: All credit providers for provision of credit, wholly or predominantly for personal, household or domestic purposes Ensures: Obligations and liabilities clearly set out 14- Copyright © 2000 McGraw-Hill Australia Definitions Creditor: Person providing the credit Debtor: Person receiving the credit 14- Copyright © 2000 McGraw-Hill Australia Credit provider A credit provider is any person who provides credit, where a charge is made for the provision of the credit. 14- Copyright © 2000 McGraw-Hill Australia Types of transaction covered by the Code Transactions where credit provided to individuals wholly or predominantly for personal, household or domestic purposes, i.e. not for business or investment purposes. 14- Copyright © 2000 McGraw-Hill Australia Types of credit covered by the Code Continuing credit contracts e.g. revolving credit Loan contracts e.g. home loans personal loans bank term loans Consumer leases: i.e. Hire of goods by a natural person (or strata corporation), where the lessee does not have a right or obligation to purchase the goods. Credit sales contracts: i.e. Credit is provided to a buyer in the course of a sale of goods or services. Mortgages and guarantees: Related transactions providing security for the debt. Hire purchase agreements: i.e. A sale of goods by instalments, where there is a right or obligation to purchase the goods, with the cash price being less than the ultimate combined amounts paid for the goods). Credit-related insurance contracts: required by the credit provider for the consumer to enter. Type of credit not covered by the code: Section7. 14- Copyright © 2000 McGraw-Hill Australia Disclosure requirements (before contract signed) . | This is the prescribed textbook for your course. Available NOW at your campus bookstore! 14- Copyright © 2000 McGraw-Hill Australia Consumer credit law Chapter 14 Customer Credit Code Introduced on 1 November 1996 Developed uniform credit laws in Australia Includes: All credit providers for provision of credit, wholly or predominantly for personal, household or domestic purposes Ensures: Obligations and liabilities clearly set out 14- Copyright © 2000 McGraw-Hill Australia Definitions Creditor: Person providing the credit Debtor: Person receiving the credit 14- Copyright © 2000 McGraw-Hill Australia Credit provider A credit provider is any person who provides credit, where a charge is made for the provision of the credit. 14- Copyright © 2000 McGraw-Hill Australia Types of transaction covered by the Code Transactions where credit provided to individuals wholly or predominantly for personal, household or domestic purposes, i.e. not for business or investment purposes.