PRIVACY ACT 1988

PART IIIA - CREDIT REPORTING  

Division 3 - Credit providers  

Subdivision F - Access to, and correction of, information  

SECTION 21T   ACCESS TO CREDIT ELIGIBILITY INFORMATION  

Access

21T(1)  
If a credit provider holds credit eligibility information about an individual, the provider must, on request by an access seeker in relation to the information, give the access seeker access to the information. Exceptions to access

21T(2)  
Despite subsection (1), the credit provider is not required to give the access seeker access to the credit eligibility information to the extent that:


(a) giving access would be unlawful; or


(b) denying access is required or authorised by or under an Australian law or a court/tribunal order; or


(c) giving access would be likely to prejudice one or more enforcement related activities conducted by, or on behalf of, an enforcement body. Dealing with requests for access

21T(3)  
The credit provider must respond to the request within a reasonable period after the request is made. Means of access

21T(4)  
If the credit provider gives access to the credit eligibility information, the access must be given in the manner set out in the registered CR code. Access charges

21T(5)  
If the credit provider is an agency, the provider must not charge the access seeker for the making of the request or for giving access to the information.

21T(6)  
If a credit provider is an organisation or small business operator, any charge by the provider for giving access to the information must not be excessive and must not apply to the making of the request. Refusal to give access

21T(7)  
If the provider refuses to give access to the information because of subsection (2), the provider must give the access seeker a written notice that:


(a) sets out the reasons for the refusal except to the extent that, having regard to the grounds for the refusal, it would be unreasonable to do so; and


(b) states that, if the access seeker is not satisfied with the response to the request, the access seeker may:


(i) access a recognised external dispute resolution scheme of which the provider is a member; or

(ii) make a complaint to the Commissioner under Part V .
Interaction with the Australian Privacy Principles

21T(8)  
If a credit provider is an APP entity, Australian Privacy Principle 12 does not apply to the provider in relation to credit eligibility information.


 

Disclaimer and notice of copyright applicable to materials provided by CCH Australia Limited

CCH Australia Limited ("CCH") believes that all information which it has provided in this site is accurate and reliable, but gives no warranty of accuracy or reliability of such information to the reader or any third party. The information provided by CCH is not legal or professional advice. To the extent permitted by law, no responsibility for damages or loss arising in any way out of or in connection with or incidental to any errors or omissions in any information provided is accepted by CCH or by persons involved in the preparation and provision of the information, whether arising from negligence or otherwise, from the use of or results obtained from information supplied by CCH.

The information provided by CCH includes history notes and other value-added features which are subject to CCH copyright. No CCH material may be copied, reproduced, republished, uploaded, posted, transmitted, or distributed in any way, except that you may download one copy for your personal use only, provided you keep intact all copyright and other proprietary notices. In particular, the reproduction of any part of the information for sale or incorporation in any product intended for sale is prohibited without CCH's prior consent.