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Chapter 14 - Consumer credit law. In 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,. | This is the prescribed textbook for your course. Available NOW at your campus bookstore! 14- Copyright © 2000 McGraw-Hill AustraliaCopyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Fundamentals of Business Law 6e Consumer Credit Law Chapter 14 14- Introduction Credit allows consumers to acquire goods and services, and pay for them at a later time. Credit providers are numerous. To ensure that those that take credit have some consumer protection, the Consumer Credit Code came into force in November 1996. 14- Copyright © 2000 McGraw-Hill AustraliaCopyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Fundamentals of Business Law 6e What is the Consumer Credit Code? Introduced on 1 November 1996. Replaced the state and territory Credit Acts. 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 AustraliaCopyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Fundamentals of Business Law 6e Definitions Creditor: Person providing credit. Debtor: Person receiving credit. 14- Copyright © 2000 McGraw-Hill AustraliaCopyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Fundamentals of Business Law 6e Credit Provider Any person who provides credit, where a charge is made for the provision of the credit. 14- Copyright © 2000 McGraw-Hill AustraliaCopyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Fundamentals of Business Law 6e Transactions to Which the Code Applies Transactions where credit is 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 AustraliaCopyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Fundamentals of Business Law 6e Types of Credit Covered by the Code Continuing credit contracts: e.g. | This is the prescribed textbook for your course. Available NOW at your campus bookstore! 14- Copyright © 2000 McGraw-Hill AustraliaCopyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Fundamentals of Business Law 6e Consumer Credit Law Chapter 14 14- Introduction Credit allows consumers to acquire goods and services, and pay for them at a later time. Credit providers are numerous. To ensure that those that take credit have some consumer protection, the Consumer Credit Code came into force in November 1996. 14- Copyright © 2000 McGraw-Hill AustraliaCopyright 2009 McGraw-Hill Australia Pty Ltd PPTs t/a Fundamentals of Business Law 6e What is the Consumer Credit Code? Introduced on 1 November 1996. Replaced the state and territory Credit Acts. 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.