a ; "C2012A00130"; ; "Consumer Credit Legislation Amendment (Enhancements) Act 2012"@en; "AU"; "No. 130 of 2012"; "An Act to amend the law relating to consumer credit and consumer protection, and for related purposes"; ; ; . a ; "1 Short title"@en; ; "e4e907be77cdb0c282bc897b04c870923d1ebcd30523def4d50d1edd218475af"; "Citation of the Act"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.5"; . a ; ; ; ; . a ; "2 Commencement"@en; ; "5c980fffb09f2a407258b1754f7e3ca3d52b17b4f4317a73c7d44036a362a46c"; "Commencement rules"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 Section 1"@en; ; "6561f4272607a18d8b92b3d2c6c7741a8af51428a7b329e978fcb9bd6c54aeae"; "Table of sections"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "17 September"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "2 Section 2"@en; ; "7648c3e4512aa39823dbb36b97c0f9e0726e4110d39aa5e7572221c386ebb545"; "Schedule 1"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013."@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "2A Section 2A"@en; ; "414b76ca83b36120e02b666fc1173c24d638b23f78f94aeedcb1f77d12e04245"; "Schedule 2"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "18 September"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "2B Section 2B"@en; ; "414b76ca83b36120e02b666fc1173c24d638b23f78f94aeedcb1f77d12e04245"; "Schedule 2"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013."@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "2C Section 2C"@en; ; "5a199d974d12a42463fbb1e12edd2a403e6915c1a3b3cb34e9458f7fb5dd4cda"; "Reference to Schedule 2, items 12 to 14"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013."@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "2D Section 2D"@en; ; "65a902bcd6bb34ed7496c1891a888287ef7828edda9956d2a4b8b2ac4bb05079"; "The day after this Act receives the Royal Assent."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "18 September"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "2E Section 2E"@en; ; "577a5722922839a7bd8644b3374cec2378f745867c0eb3e604f93a73792d25fb"; "Reference to Schedule 2 items 16 to 18"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013."@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "2F Section 2F"@en; ; "dd653f56af6c63ed87eabf06321b66a4be8e4009e4712daaf940842e801050ae"; "Conditional commencement of Schedule 2"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "18 September"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "2G Section 2G"@en; ; "ab80c0c96d935279ad1b1880f8d7350dbd767d5e16e1a25d2f43598eac6c70f0"; "Reference to Schedule 2, items 21 and 22"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013."@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "2H Section 2H"@en; ; "f379e7b81b7daf4a6286607980e11429f328bac3b0abc05190f3554d9df2602c"; "The day after this Act receives the Royal Assent."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "18 September"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "2J Section 2J"@en; ; "57798ab910dedba623de832e2a1ab111bc9a74b92b68534e0a2cd8b2dcba3f44"; "Reference to Schedule 2, items 24 to 26"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013."@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "2K Section 2K"@en; ; "38b3ecdc102da5fcd103b032ac254002199a7c7cf23a76b6653a17f792cdaadc"; "Schedule 3"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013."@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "3 Section 3"@en; ; "cbafce24b56e752a02253b4d86dc6810587a5774bd2453bdaaed97cad39283c7"; "Schedule 4"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 July 2013."@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 July 2013"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "4 Section 4"@en; ; "6dc33a88aedbd2522855ec1157fffc3ac040da5cf2e4f3dea81735f7e8dc6a86"; "Schedule 5"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013."@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "1 March 2013"@en; ; "c3c6fae17624eb9566f6e0c7f42566aa855205929429bcbf857e124a47ec38f7"; "Commencement information"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.6"; . a ; ; ; ; . a ; "4A Section 4A"@en; ; "5ef800a6650163c831a0d28434e2fc677164b0f2ab1437872e90a217b09c06ae"; "Conditional commencement of Schedule 6"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.7"; . a ; ; ; ; . a ; "18 September"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.7"; . a ; ; ; ; . a ; "5 Section 5"@en; ; "874117116adf3042bd0f54d773492e4815d91cd5f5275f0caee4d9d86cd99616"; "Schedule 7 commencement provision"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.7"; . a ; ; ; ; . a ; "17 September"@en; ; "59eba1666204418f83d446df3c428951055e5c4363adcd4a9c7ba5521bc93010"; "Note on table limitations"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.7"; . a ; ; ; ; . a ; "3 Schedule(s)"@en; ; "2dbe02e150c93965440a2ada1d7ded764ae83fcf8ce050c47272d00c9469adb1"; "Amendments and repeals of Acts specified in a Schedule."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.7"; . a ; ; ; ; . a ; "1 Section 72 of the National Credit Code"@en; ; "e760fc8d63da5406b762d346b67c33f828593d7f3e1e89f1a1e04f768edbdfa9"; "Repeal section and substitute with new provision"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.8"; . a ; ; ; ; . a ; "72 Changes on grounds of hardship"@en; ; "c0f6c0d8bd940484a4edc9dc975619cae46fe9ba3f817b37c0a2436d40ae97f5"; , , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.8". a ; "72(1) Changes on grounds of hardship"@en; ; "4b3a46eba31d06ffc7a904111a748fd5cf216d83e1beca5321f38c789b607240"; ; "Notice of hardship to credit provider"; "Hardship notice"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.8"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Debtor's obligation to provide hardship notice"; "modalities::logic::deontic"; 1.0000; . a ; "72(2) Changes on grounds of hardship"@en; ; "3846c0d88ded4c19e055f0b63675f21df3c4eee81a7ba8bd886cd6d3c0fe5728"; ; "Debtor must provide specified information within 21 days of notice."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.8"; . a ; ; ; ; ; . . a ; ; "imposes"; "Imposes a duty on the credit provider to receive specified information from the debtor."; "modalities::logic::deontic"; 1.0000; . a ; "72(3) Changes on grounds of hardship"@en; ; "f3efe5f54ea608c899488c1882a141d82bb15126eb6486eac0d5d081bb076e07"; ; "Debtor must comply with requirement"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.8"; . a ; ; ; ; ; . . a ; ; "must"; "Obligation"; "modalities::logic::deontic"; 1.0000; . a ; "72(4) Changes on grounds of hardship"@en; ; "2f9cbed0b2b752963dd329bf15290623eb6566a186f270d351cbdf157b263445"; ; "Credit provider must provide notice to debtor before end of period identified under subsection (5)"; "Notice in prescribed form"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.8"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Must provide notice"; "modalities::logic::deontic"; 1.0000; . a ; "72(5) Changes on grounds of hardship"@en; ; "5bdbbc836cc619ceeb523aa30521a67cbd322d552d8b11424b609b842e00eefc"; ; "Credit provider must give notice within specified period after receiving hardship notice."; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.8"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "MUST"; "Must provide notice within specified period."; "modalities::logic::deontic"; 1.0000; . a ; "72(6) Changes on grounds of hardship"@en; ; "5670f148ccc1fe49f0062b4350ec9b304ea41b58c4c7a32fb5d70013bda5623f"; ; "Provides for subsections to have effect in relation to credit contracts"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.8"; . a ; ; ; ; . a ; "2 Subsection 73(1) of the National Credit Code"@en; ; "0eb3833c8ffb1fde3cbcc1ab49fa0ddc0ab5b5b7a57c7078000dfac2f5046456"; "Omit 'on any such application', substitute 'to change the credit contract as a result of a hardship notice by the debtor'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.10"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits changing credit contracts without hardship notice"; "modalities::logic::deontic"; 1.0000; . a ; "3 Subsection 74(1) of the National Credit Code"@en; ; "546affd552088781f2d49e1e282e9ae38568271183a17f9e26b1aaec07203a0d"; "Omit 'in accordance with the application', substitute 'as a result of a hardship notice by the debtor'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.10"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits 'in accordance with the application'"; "None"; "Omit 'in accordance with the application', substitute 'as a result of a hardship notice by the debtor'"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Replacement"; "Replaces 'in accordance with the application' with 'as a result of a hardship notice by the debtor'"; "None"; "Omit 'in accordance with the application', substitute 'as a result of a hardship notice by the debtor'"; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Temporal Replacement"; "Replaces 'in accordance with the application' with 'as a result of a hardship notice by the debtor'"; "None"; "Omit 'in accordance with the application', substitute 'as a result of a hardship notice by the debtor'"; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Temporal Replacement"; "Replaces 'in accordance with the application' with 'as a result of a hardship notice by the debtor'"; "None"; "Omit 'in accordance with the application', substitute 'as a result of a hardship notice by the debtor'"; "modalities::diffusion"; 1.0000; . . a ; ; "Temporal Replacement"; "Replaces 'in accordance with the application' with 'as a result of a hardship notice by the debtor'"; "None"; "Omit 'in accordance with the application', substitute 'as a result of a hardship notice by the debtor'"; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "4 Subsection 74(2) of the National Credit Code"@en; ; "b39917cf8f45bc1a9747f3f0fc03792c9fbe6043a32d6ce2321499250e4a8257"; "Court may change credit contract after hearing parties."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.10"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "may"; "Obligation to act"; "modalities::logic::deontic"; 1.0000; . a ; "5 Subparagraphs 88(3)(f)(i) and (ii) of the National Credit"@en; ; "68de4dc5e77fb5c1d9354a84f8c18b29cc19d6d823a7b0643f4b2a343b3e3938"; "Substitute hardship notice or postponement request"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.10"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "SUBST"; "Replace existing subparagraphs"; "modalities::logic::deontic"; 1.0000; . a ; "6 After section 89 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after section 89 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.10"; . a ; ; ; ; . a ; "89A Effect of hardship notices on enforcement"@en; ; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.10". a ; "89A(1) Effect of hardship notices on enforcement"@en; ; "f0967d04763fe2b7cf09c2012400abb7264ff7347c2c78bd3ec7cb76465578c1"; ; "Credit provider must give default notice before enforcement proceedings if debtor gives hardship notice."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.10"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "MUST"; "Obligation to give default notice before enforcement proceedings."; "Credit provider is required to give a default notice under section 88."; "The credit provider must give the default notice before beginning enforcement proceedings."; "modalities::logic::deontic"; 1.0000; . . a ; ; ">="; "Condition for giving default notice: hardship notice given within 4 months."; "The current hardship notice was given in the 4 months before the day it was given."; "The hardship notice was given within the 4-month period."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "MUST"; "Obligation to give default notice if debtor gives hardship notice."; "The credit provider is required to give a default notice under section 88 before beginning enforcement proceedings."; "The credit provider must give the default notice before beginning enforcement proceedings."; "modalities::logic::deontic"; 1.0000; . . a ; ; "MUST"; "Obligation to give default notice if credit provider reasonably believes basis is materially different."; "The credit provider reasonably believes that the basis on which the current hardship notice was given is materially different from the bases on which the other hardship notices were given."; "The credit provider must give the default notice before beginning enforcement proceedings."; "modalities::logic::deontic"; 1.0000; . a ; "89A(2) Effect of hardship notices on enforcement"@en; ; "632e63e96827fc505fb7452d5e3c2d5a76f5a7f0b67ac8a756721abb8aa12390"; ; "Credit provider must not begin enforcement proceedings without notice and 14-day period."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.10"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of enforcement proceedings"; "(2) The credit provider must not begin enforcement proceedings..."; "...unless the conditions are met."; "modalities::logic::deontic"; 1.0000; . a ; "89A(3) Effect of hardship notices on enforcement"@en; ; "1e5e3fffbb55630d8a6c2d2f23af92773c0e6fc8f1c7bf64b1fc1fc35b4ae98c"; ; "Credit provider may take possession of mortgaged goods under certain circumstances."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.10"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits removal or disposal of mortgaged goods without permission."; "(a) the debtor or mortgagor has removed or disposed of the mortgaged goods, or intends to remove or dispose of them,"; "The credit provider may take possession of mortgaged goods under certain circumstances."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Prohibit"; "Prohibits urgent action that would protect the goods."; "(b) urgent action is necessary to protect the goods."; "The credit provider may take possession of mortgaged goods under certain circumstances."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "The circumstances under which the credit provider may take possession of mortgaged goods overlap with the debtor's or mortgagor's actions."; "(a) the debtor or mortgagor has removed or disposed of the mortgaged goods, or intends to remove or dispose of them,"; "The credit provider's action overlaps with the debtor's or mortgagor's action."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Repeats"; "The circumstances under which the credit provider may take possession of mortgaged goods repeat in certain situations."; "(b) urgent action is necessary to protect the goods."; "The credit provider's action repeats in urgent situations."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Permits"; "Permits the credit provider to take possession of mortgaged goods under certain circumstances."; "(3) However, the credit provider may take possession of mortgaged goods if the credit provider reasonably believes that:"; "The credit provider's belief is a necessary condition for taking possession."; "modalities::logic::deontic"; 1.0000; . a ; "89A(4) Effect of hardship notices on enforcement"@en; ; "23a5a82038f7f374f54467af54be85849d7d209578fd272e95082820791d4da2"; ; "Strict liability for enforcement of hardship notices"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.10"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "is"; "Enforcement is an obligation"; "(2) is an offence of strict liability."; "(2) is an obligation"; "modalities::logic::deontic"; 1.0000; . . a ; ; "is"; "Enforcement is a duty"; "(4) Subsection (2) is an offence of strict liability."; "(4) Subsection (2) is a duty"; "modalities::logic::deontic"; 1.0000; . . a ; ; "is"; "Enforcement is a prohibition"; "(4) Subsection (2) is an offence of strict liability."; "(4) Subsection (2) is a prohibition"; "modalities::logic::deontic"; 1.0000; . . a ; ; "is"; "Enforcement is a right"; "(4) Subsection (2) is an offence of strict liability."; "(4) Subsection (2) is a right"; "modalities::logic::deontic"; 1.0000; . . a ; ; "is"; "Enforcement is an undertaking"; "(4) Subsection (2) is an offence of strict liability."; "(4) Subsection (2) is an undertaking"; "modalities::logic::deontic"; 1.0000; . a ; "7 Subsection 94(1) of the National Credit Code"@en; ; "805944a70108699062e1442e43f9ed6b5fdf69a4a86c2d290a18c6d0ddf2eb63"; "Postponement request for debtors, mortgagors or guarantors given default notices under section 88 or demand for payment under section 90"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.11"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Imposes a duty on the State to consider postponement requests from debtors, mortgagors or guarantors"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Defines the temporal interval during which postponement requests are considered"; "Temporal interval from default notice to demand for payment"; "modalities::interval_reasoning"; 1.0000; . a ; "8 Subsection 94(2) of the National Credit Code"@en; ; "8f9a4abfc815f28f0c01d96005d49624b7f41b14c574f227a42614ead233cf2e"; "Substitute words in subsection 94(2) of the National Credit Code."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.12"; . a ; ; ; ; ; . a ; "9 Subsections 94(3) and (4) of the National Credit Code"@en; ; "4c2e29ed4c6eee5cfeb53a5b0f23ebda0cdcb707493ba898aaf0fcf05aeb2ea4"; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.12". a ; "9(3) Subsections 94(3) and (4) of the National Credit Code"@en; ; "6cc5ab2b848d7bbe590cbfae789cd39d232a535ae6ff04d8c8aaed06105cbb34"; ; "Credit provider must not begin enforcement proceedings unless notice is given and 14-day period has expired."; "notice under subsection (2)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.12"; . a ; ; ; ; ; . . a ; ; "Prohibition"; "Prohibition of enforcement proceedings"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "14-day period overlaps with remedying default period"; "section 88"; "modalities::interval_reasoning"; 1.0000; . a ; "9(4) Subsections 94(3) and (4) of the National Credit Code"@en; ; "3441d87d29b50904ba14a6e1faefb7ac50d029f8ff46815616bfb3da0478aa4a"; ; "Credit provider may take possession of mortgaged goods under certain circumstances."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.12"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits removal or disposal of mortgaged goods without permission."; "(a) the debtor or mortgagor has removed or disposed of the mortgaged goods, or intends to remove or dispose of them, without the credit provider’s permission;"; "The credit provider may take possession of mortgaged goods under certain circumstances."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Prohibit"; "Prohibits urgent action to protect goods without permission."; "(b) urgent action is necessary to protect the goods;"; "The credit provider may take possession of mortgaged goods under certain circumstances."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlap"; "Overlaps with urgent action to protect goods."; "(b) urgent action is necessary to protect the goods;"; "The removal or disposal of mortgaged goods overlaps with urgent action to protect goods."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring"; "Recurring trace of removal or disposal of mortgaged goods."; "(a) the debtor or mortgagor has removed or disposed of the mortgaged goods, or intends to remove or dispose of them, without the credit provider’s permission;"; "The removal or disposal of mortgaged goods is a recurring trace."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Diffuse"; "Diffuses to all parties involved in the contract."; "(a) the debtor or mortgagor has removed or disposed of the mortgaged goods, or intends to remove or dispose of them, without the credit provider’s permission;"; "The removal or disposal of mortgaged goods diffuses to all parties involved in the contract."; "modalities::diffusion"; 1.0000; . a ; "9(5) Subsections 94(3) and (4) of the National Credit Code"@en; ; "5996fd257ba780d94cec90547b6ee3e06fe5225313f9e8869a40b245b1d472bc"; ; "Offences of strict liability for subsections (2) and (3)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.12"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "is"; "Strict liability offence"; "(2) and (3)"; "offence of strict liability"; "modalities::logic::deontic"; 1.0000; . a ; "10 After section 180"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.13"; . a ; ; ; ; . a ; "180A Orders to remedy unfair or dishonest conduct by credit"@en; ; "4577a3ab3d2ce23360e60066118eb4f9ac773c01081698f91c793c8d06e9fbc7"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.13". a ; "180A(1) Orders to remedy unfair or dishonest conduct by credit"@en; ; "15ae1d1ddf04531441090d9f93d476cb207f8fe26d8ec5f347a62bcb1ae044ce"; ; "Prohibition on unfair or dishonest conduct by credit service providers"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.13"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition on unfair or dishonest conduct"; "(a) a person (the defendant) provided a credit service to a consumer (the plaintiff); and (b) the defendant engaged in conduct that..."; "The court may not make an order if the defendant did not engage in such conduct."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Prohibit"; "Prohibition on unfair or dishonest conduct by credit service providers"; "(c) the conduct had one or more of the following results..."; "The court may not make an order if the defendant did not engage in such conduct."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Within"; "Temporal interval for prohibited conduct"; "(c) the conduct had one or more of the following results..."; "The conduct must have occurred within a certain temporal interval."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Prohibit"; "Prohibition on unfair or dishonest conduct by credit service providers"; "(i) the plaintiff entered a credit contract, consumer lease, mortgage or guarantee that the plaintiff would not have entered apart from the conduct;"; "The court may not make an order if the defendant did not engage in such conduct."; "modalities::logic::deontic"; 1.0000; . a ; "180A(2) Orders to remedy unfair or dishonest conduct by credit"@en; ; "c1b1402509470a12672158b270cb532c9c9a07a72df03d6d9070eb5b65c8199e"; ; "Order to take or refrain from specified action"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.13"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "obligation"; "Obligation to take or refrain from specified action"; "modalities::logic::deontic"; 1.0000; . a ; "11 Section 184"@en; ; "5cecdc04beb4cee74b52473901fcf2087a4acfcb6b1d17d70e3bdcb604ff8e8e"; "Add 'or another Act' at the end of section 184."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.16"; . a ; ; ; ; ; . . a ; ; "MUST"; "Must add 'or another Act'"; "modalities::logic::deontic"; 1.0000; . a ; "12 Section 125 (paragraph relating to Division 3)"@en; ; "f6abfa905f845a105600f0df37b71f3520283c1b95896612bb07de552d593f61"; "Omit specific action from credit contract"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.17"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits entering or increasing credit limit"; "modalities::logic::deontic"; 1.0000; . a ; "13 Division 3 of Part 3-2 (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.17"; . a ; ; ; ; . a ; "14 Section 128 (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.17"; . a ; ; ; ; . a ; "128 Obligation to assess unsuitability"@en; ; "Obligation to assess unsuitability"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.17"; . a ; ; ; ; "borne by: State"; ; . a ; "15 After paragraph 128(a)"@en; ; "e436f439a6e75458ce5170a2b784cdafeeb4af6559263486b6ac4fd856e3220f"; "Licensee must make an unconditional representation to a consumer"; "representation"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.17"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation"; "modalities::logic::deontic"; 1.0000; . a ; "16 After paragraph 128(b)"@en; ; "e33756d9c1ff243fffbb17c79b12b58985c2415b1498d467487eed0787b7359a"; "Mandatory representation to consumer about credit limit increase"; "True"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.17"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Mandatory representation"; "modalities::logic::deontic"; 1.0000; . a ; "17 Section 148 (paragraph relating to Division 3)"@en; ; "63dce3db1561ac902625011f84f3a2c4f6669b9bfa72ae2f704a970ff95e344b"; "Omit specific action from consumer lease"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.17"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits entering a consumer lease"; "modalities::logic::deontic"; 1.0000; . a ; "18 Division 3 of Part 3-4 (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.18"; . a ; ; ; ; . a ; "19 Section 151"@en; ; "e760fc8d63da5406b762d346b67c33f828593d7f3e1e89f1a1e04f768edbdfa9"; "Repeal section and substitute with new content."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.18"; . a ; ; ; ; . a ; "151 Obligation to assess unsuitability"@en; ; "587e7bb139c9672e651bc52e0372ed93d30c04ea074811c0d45367163b11a55b"; "Licensee must not enter a consumer lease with an eligible consumer without assessment."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.18"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "Prohibition"; "Prohibits entering a lease with an eligible consumer without assessment."; "modalities::logic::deontic"; 1.0000; . a ; "20 Section 152"@en; ; "651b4d0f50fc54ea16e19e806e8044391cf175e53919f609ab82035be7a16e00"; "Replace paragraph 151(a) with paragraph 151(c)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.18"; . a ; ; ; ; ; . a ; "21 Subsection 153(1)"@en; ; "361df62cf31a3eb837cf76a1240e9b1480353d4b2781cc351c92818e59195541"; "Omit paragraph 151(b), substitute paragraph 151(d)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.18"; . a ; ; ; ; ; . a ; "22 Section 27 (paragraph relating to Division 3)"@en; ; "4a378d471db6ebdb3412f10f73c7f530c72072dc29af55f065e083d458fa4419"; "Omit certain provisions related to licensing and information disclosure."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.19"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits certain actions."; "modalities::logic::deontic"; 1.0000; . a ; "23 Division 3 of Part 2-1 (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.19"; . a ; ; ; ; . a ; "24 Section 33"@en; ; "117cd0ba63b627b1acef051b4b46d722e7176c853d5d1f0183c435b0c3a53756"; "Repeal section 33"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.19"; . a ; ; ; ; . a ; "25 After Part 3-6"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after Part 3-6"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.19"; . a ; ; ; ; . a ; "160A Guide to this Part"@en; ; "8fe3b448395a3cd7b2882d49a869b90f87030b3229f388812dfb7236c854e3eb"; "Responsible lending conduct is required for credit activities."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.19"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "requires"; "Mandatory obligation"; "modalities::logic::deontic"; 1.0000; . a ; "160D Prohibition on giving misleading information etc."@en; ; "f9e257d05336fedb2e88aa7defb2cb146ec6a21a41888b6c9ee8549bb6c47374"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.22". a ; "160D(1) Prohibition on giving misleading information etc."@en; ; "8fdd46722183361fd2e70a80a83783be67f9a49775d83c74ce2d65c0c8ceb4e4"; ; "Giving misleading information is prohibited."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.22"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits giving misleading information."; "modalities::logic::deontic"; 1.0000; . a ; "160D(2) Prohibition on giving misleading information etc."@en; ; "225eeb506d1960b406ffe99534e9157aafc002b185f3f2fda2709cc789544bce"; ; "Giving false information in a credit activity is prohibited."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.22"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits giving false information in a credit activity."; "(2) A person commits an offence if..."; "Criminal penalty: 100 penalty units, or 2 years imprisonment, or both."; "modalities::logic::deontic"; 1.0000; . a ; "160E Requirements for giving authorisation to employer"@en; ; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.23". a ; "160E(1) Requirements for giving authorisation to employer"@en; ; "3f92aa6b098e37f81f0e47298ee4c01e7b5df57f630d294f18d71118eb9d5a43"; ; "Credit provider or lessor must give statement to employer"; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.23"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Obligation"; "modalities::logic::deontic"; 1.0000; . a ; "160E(2) Requirements for giving authorisation to employer"@en; ; "fc1d81da78ccf5ffdfa9ba5293cd5dd4c5b70a678e01f73b4624214ebc59fd7c"; ; "Credit provider or lessor must give employer a statement with the instrument."; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.23"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "MUST"; "Must provide a statement to employer."; "modalities::logic::deontic"; 1.0000; . . a ; ; "CLASSIFICATION"; "Classification of credit contracts and consumer leases."; "modalities::dl"; 1.0000; . a ; "160E(3) Requirements for giving authorisation to employer"@en; ; "f0d5f79c13d4528476e2e8186632c8cff91a2098b4fddc687c78b3ba06773bfd"; ; "Credit provider/lessor must give debtor/lessee at least 7 days' notice before giving instrument to employer."; "Notice"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.23"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Obligation to provide notice"; "modalities::logic::deontic"; 1.0000; . a ; "160E(4) Requirements for giving authorisation to employer"@en; ; "60eea82206c63b172d6a7b4046683ea20dbbc098f59bb046d0057eac3f355fa4"; ; "No regulations in force means subsection (3) does not apply."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.23"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligate"; "No regulations in force means subsection (3) does not apply."; "modalities::logic::deontic"; 1.0000; . . a ; ; ">"; "Temporal interval"; "modalities::interval_reasoning"; 1.0000; . a ; "26 Section 124 of the National Credit Code (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.25"; . a ; ; ; ; . a ; "124 Civil effect of contraventions"@en; ; "Civil effect of contraventions"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.25"; . a ; ; ; ; ; . a ; "27 Subsection 124(1) of the National Credit Code"@en; ; "cf5bbff587fbb3c2152766f885543abb6f73d37512e548a16e44abb67f3346d7"; "Omit specific provision"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.25"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits omission of specified provision"; "modalities::logic::deontic"; 1.0000; . a ; "28 Subsection 124(2) of the National Credit Code"@en; ; "ade50468bfa47a8c25a3e8e8d647c40c15919116e20db0d42dce15560d4e923f"; "Allow for an application by a person affected, ASIC on behalf of a person affected with consent, or ASIC alone."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.25"; . a ; ; ; ; ; . . a ; ; "Permits"; "Permission to make an application"; "modalities::logic::deontic"; 1.0000; . a ; "29 Subsection 19(1) of the National Credit Code"@en; ; "cfb9864fe3828637f1dc60e6f14d249e417a3fbc8c60bc03eafdcefd1d3bd035"; "Substitute 'new contract document' for 'contract document'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.26"; . a ; ; ; ; ; . a ; "30 Section 32 of the National Credit Code"@en; ; "e760fc8d63da5406b762d346b67c33f828593d7f3e1e89f1a1e04f768edbdfa9"; "Repeal section and substitute with new content."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.26"; . a ; ; ; ; . a ; "32 Fees or charges in relation to third parties"@en; ; "73dd0c648fa572c14c1dd0cef7010b217c3b7f0347386235296c0520f63ea7fe"; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.26". a ; "32(1) Fees or charges in relation to third parties"@en; ; "ba65d2f6e21701d57863b4a962bc096581717db23118f5296e0ef2b97fb885c7"; ; "Debtor must pay third party amount to credit provider"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.26"; . a ; ; ; ; ; . . a ; ; ">"; "Establishes a duty for the debtor"; "third party amount payable or paid by credit provider"; "debtor payment"; "modalities::logic::deontic"; 1.0000; . a ; "32(2) Fees or charges in relation to third parties"@en; ; "dcb01463b8dea9f9e142e52c84f43113401680532490d370a0c7ea3214c6373c"; ; "Fee or charge must not exceed third party amount if ascertainable"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.26"; . a ; ; ; ; ; . . a ; ; "<="; "Upper bound"; "modalities::logic::deontic"; 1.0000; . a ; "32(3) Fees or charges in relation to third parties"@en; ; "7415b77995d0e54608b80d4e6ca547b7f2f95dc522ef4adc37f9bcec8b2f093b"; ; "Refund difference if third party amount is less than fee or charge paid"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.26"; . a ; ; ; ; ; . . a ; ; "must"; "Obligation to refund difference"; "(3) If..."; "then the credit provider must refund or credit the difference to the debtor."; "modalities::logic::deontic"; 1.0000; . a ; "32(4) Fees or charges in relation to third parties"@en; ; "81c96dde98be1004c61bc41b1a520ba4ce7937567cde3b308f1020097e187e71"; ; "Determine third party amount considering discounts and allowances"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.26"; . a ; ; ; ; "borne by: State"; ; . a ; "31 Paragraph 36(1)(c) of the National Credit Code"@en; ; "403bd5f5f2713d73d4695916048bc3cc3139fd396c0c6c9d9ff659950aa3b530"; "Repeal paragraph and substitute with new obligation."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.27"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Imposes a duty on the state."; "modalities::logic::deontic"; 1.0000; . a ; "32 Paragraph 36(1)(d) of the National Credit Code"@en; ; "6e869410cec0a39e774457bf45dd1985c911f9e769a68feacc54deba8f0c5f41"; "Substitute 'becomes due' for 'became due'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.27"; . a ; ; ; ; ; . a ; "33 Subsection 38(4) of the National Credit Code"@en; ; "1872ce51d6de0df051d6aebbe67839e9d83c8af769587a689775830c100af7f2"; "Omit specific phrase from National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.27"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits omitting specific phrase"; "modalities::logic::deontic"; 1.0000; . a ; "34 Subsection 38(5) of the National Credit Code"@en; ; "e1259021227ca42b75b5d76e65fe10d129124843e90fc60577dbef0f24882f57"; "Omit specific phrase from National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.27"; . a ; ; ; ; ; . a ; "35 Subsection 38(6) of the National Credit Code"@en; ; "ca2e114a40d9cf69bff621246a868a6a08c379b91312ad86b0d5dffae51238a7"; "Omit specific provision, substitute with new one"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.27"; . a ; ; ; ; ; . . a ; ; "excludes"; "Exclusion of provision"; "modalities::logic::deontic"; 1.0000; . a ; "36 At the end of subsection 38(6) of the National Credit Code"@en; ; "2dbd027d48b276e4ba499ed0ea38db0dec11ed12198049e0521ac47ab80ee94f"; "Criminal penalty of 50 penalty units added"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.27"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits criminal penalty of 50 penalty units"; "modalities::logic::deontic"; 1.0000; . a ; "37 Subsection 38(9) of the National Credit Code"@en; ; "e4a2d789d3548732438eca59fc05d299515af24d478ca9e273697e41caa8342e"; "Omit 'Subsection (8) is an offence', substitute 'Subsections (6) and (8) are offences'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.27"; . a ; ; ; ; ; . a ; "38 Division 6 of Part 2 of the National Credit Code"@en; ; "11f22d447b06dca26bde0fda416ec8b69229ff85e72728f8ed92062f63ecb84a"; "Repeal Division and substitute with new content."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.28"; . a ; ; ; ; . a ; "40 Changes etc. under contracts"@en; ; "b18c531f18615b0adbf886c324b688ae41381145262693b734506870a0eac842"; "Change, deferral, waiver, or postponement of credit contract not creating new contract."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.28"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Obligation to comply with changes in credit contracts."; "Change, deferral, waiver, or postponement made in accordance with this Code."; "Not creating new credit contract."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Changes in credit contracts overlap with existing credit contracts."; "Change, deferral, waiver, or postponement made in accordance with this Code."; "No new credit contract created."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurrently"; "Changes in credit contracts are recurrently applied to existing credit contracts."; "Change, deferral, waiver, or postponement made in accordance with this Code."; "No new credit contract created."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Diffuses"; "Changes in credit contracts diffuse to existing credit contracts."; "Change, deferral, waiver, or postponement made in accordance with this Code."; "No new credit contract created."; "modalities::diffusion"; 1.0000; . . a ; ; "Inferential"; "Changes in credit contracts are inferred to be part of existing credit contracts."; "Change, deferral, waiver, or postponement made in accordance with this Code."; "No new credit contract created."; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "39 Subsection 71(1) of the National Credit Code"@en; ; "2ad0593beaf286d99401d051ce79d47e9264914daf2e24b48b04c6a01dbd6ae3"; "Substitute 'existing credit contract' for 'credit contract'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.28"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "imposes duty"; "Imposes obligation to update credit contracts"; "State must update credit contracts"; "State has a duty to update credit contracts"; "modalities::logic::deontic"; 1.0000; . a ; "40 Subsection 83(1) of the National Credit Code (penalty)"@en; ; "f995e662941084ec00cc9858b5b899f201374d34777f137b6a62476507bccabf"; "Repeal the penalty."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.28"; . a ; ; ; ; . . a ; ; "Repeal"; "Repeal the penalty."; "modalities::logic::deontic"; 1.0000; . a ; "41 Subsection 83(3) of the National Credit Code"@en; ; "c4d2e9282faff393895bb71c92d0dc7db096dd13c9efee2ff7c16a6572c306c9"; "Omit “after the request”, substitute ‘after the day the request’."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.28"; . a ; ; ; ; ; . a ; "42 Subsection 83(5) of the National Credit Code"@en; ; "70479a0ce885344a7699bb9877a96e9cc46196fce9941dbf792ed9dcd7626404"; "Subsection (3) is an offence of strict liability."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.28"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "is"; "Strict liability"; "(3)"; "(5)"; "modalities::logic::deontic"; 1.0000; . a ; "43 Subsection 87(2) of the National Credit Code"@en; ; "d64466402ddc128371d8116a7b555113a64b7a6975a54f57d53bc37897fa57eb"; "Omit 'direct debit default notice under this section within 10 business days'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.28"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibition of direct debit default notice"; "modalities::logic::deontic"; 1.0000; . a ; "44 Subsection 87(3) of the National Credit Code"@en; ; "f29268ebb3e75efb8b23784b60c3690aa5bdaf3fad4b47d10f1e32bb5baba974"; "Omit 'direct debit default'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.29"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibition of direct debit default"; "modalities::logic::deontic"; 1.0000; . a ; "45 Paragraphs 88(5)(a) and (d) of the National Credit Code"@en; ; "fa779344e84f749d41f08be089fd8c529e78dc9c559b18bb45bb6b5e41015534"; "Omit specific phrase from National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.29"; . a ; ; ; ; ; . . a ; ; "Prohibition"; "Prohibits omitting specific phrase"; "modalities::logic::deontic"; 1.0000; . a ; "46 Subsection 88(6) of the National Credit Code"@en; ; "fa779344e84f749d41f08be089fd8c529e78dc9c559b18bb45bb6b5e41015534"; "Substitute 'reasonably believes' for 'believes on reasonable grounds'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.29"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Imposes a duty"; "modalities::logic::deontic"; 1.0000; . a ; "47 Subsection 89(1) of the National Credit Code"@en; ; "ef36314916ce7510a7ed0ee0f58df1364bd600e024f2d8e84554e80550ffaecb"; "Insertion of text after a default notice"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.29"; . a ; ; ; ; . a ; "48 Paragraphs 93(1)(c), (2)(a) and (2)(d) of the National Credit"@en; ; "69cdf911842db0aca85b957112425e5907e21cc924e129c257fc606ded604664"; "Substitute words in National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.29"; . a ; ; ; ; "borne by: State"; ; . a ; "49 Subsection 95(1) of the National Credit Code"@en; ; "415fc62d731bec084217fda5500db038d3ed74bccb5c7877722d16cffdcb00a6"; "Substitute default notice/demand for payment with specific sections"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.29"; . a ; ; ; ; ; . a ; "50 Subsection 98(1) of the National Credit Code"@en; ; "97745ae82738532f6500c5f46e4524580b18b93a3feb9eb0cefa88fd1c4222be"; "Substitute time frame for notice to mortgagor"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.29"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Imposes duty on the state"; "modalities::logic::deontic"; 1.0000; . a ; "51 Section 206 of the National Credit Code"@en; ; "663224cd966c8efa489e05e2b97a4fbecad798da175866e8c512d861f53f9049"; "Repeal section 206 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.29"; . a ; ; ; ; . . a ; ; "Repeal"; "Repeals section 206 of the National Credit Code"; "modalities::logic::deontic"; 1.0000; . a ; "52 Section 129"@en; ; "488f815bf1c3a2e82c20c04dfc980bdc21ef580d69bfeb49474cbc2aba01e0e6"; "Fix incorrect cross-reference in section 129."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.30"; . a ; ; ; ; ; . a ; "53 Subsection 130(1)"@en; ; "e84055cf0f2f58eefb44195b53d922b9b3f33ad94f34210840783d929144e0ce"; "Fixes an incorrect cross-reference"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.30"; . a ; ; ; ; . a ; "54 Paragraph 181(b)"@en; ; "da664f09fb55d6e54c5f52a9d11f9e599ef730e209f59f2914f18e01003378f3"; "Inserts 'section' after 'order under'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.30"; . a ; ; ; ; . a ; "55 Subparagraph 88(3)(g)(i) of the National Credit Code"@en; ; "bf5666240bd26fa78fd6af9e3391cf5cf8a344498bc53b091ca61320778a63c3"; "Omit “or”, substitute “and”."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.30"; . a ; ; ; ; ; . a ; "56 Subsection 127(2) of the National Credit Code"@en; ; "74142f4fe5798ab0c7d4751bbad7d347ef094513ab2ba7bddc8e099089ff6e59"; "Substitute 'tied continuing credit contract' with itself."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.30"; . a ; ; ; ; ; . a ; "57 Section 129 of the National Credit Code (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.30"; . a ; ; ; ; . a ; "129 Right to damages under sale contract against both supplier and"@en; ; "566745793121db7bfb89798948af5f7ab854623a5c79227e0f9a43f8b92c2275"; "Right to damages under sale contract against both supplier and linked credit provider"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.30"; . a ; ; ; ; ; . . a ; ; "has right"; "Right to damages under sale contract against both supplier and linked credit provider"; "modalities::logic::deontic"; 1.0000; . a ; "58 Section 130 of the National Credit Code (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.30"; . a ; ; ; ; . a ; "130 Limits on debtor’s right of action against linked credit provider"@en; ; "09487ad63a6952d4f3270ee6dffdf4b7527926a9eed28a34f94495ab93a936e7"; "Limits on debtor’s right of action against linked credit provider"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.30"; . a ; ; ; ; ; . a ; "59 Section 131 of the National Credit Code (heading)"@en; ; "09bbf5d7a057001a4a68d745270fd89be4c84474d9a1df163f342e6491d4140d"; "Repeal heading and substitute with new text"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.30"; . a ; ; ; ; . . a ; ; "Applicable"; "Repeal heading"; "Heading to be repealed"; "Repeal applied"; "modalities::logic::deontic"; 1.0000; . a ; "131 Liability of supplier to linked credit provider"@en; ; "09487ad63a6952d4f3270ee6dffdf4b7527926a9eed28a34f94495ab93a936e7"; "Removes reference to repealed provision"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.31"; . a ; ; ; ; . a ; "60 Section 132 of the National Credit Code (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.31"; . a ; ; ; ; . a ; "132 Interest may be awarded"@en; ; "09487ad63a6952d4f3270ee6dffdf4b7527926a9eed28a34f94495ab93a936e7"; "Awarding interest may be permitted"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.31"; . a ; ; ; ; ; . a ; "61 Section 133 of the National Credit Code (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.31"; . a ; ; ; ; . a ; "133 Subrogation of credit provider"@en; ; "09487ad63a6952d4f3270ee6dffdf4b7527926a9eed28a34f94495ab93a936e7"; "Removes reference to repealed provision"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.31"; . a ; ; ; ; . a ; "62 Subsection 204(1) of the National Credit Code (definition"@en; ; "6c52c815c2edf8b7ae5b19fe9e6d7c32474b9d312bdda9674152b3231b471c12"; "Insert 'the' after 'has'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.31"; . a ; ; ; ; ; . a ; "1 Subsection 5(1)"@en; ; "c3cd93901d814f571d4c3e9372e94ab2c325de4e312c88b5a9450df5a9162eb9"; "Defines reverse mortgage term"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.32"; . a ; ; ; ; "borne by: State"; ; . a ; "2 At the end of Part 1 of the National Credit Code"@en; ; "f552a1e79bdc74d313b3f0f000e309faa363c9b81f8db6b9d0fb2b41f0dcea48"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.32"; . a ; ; ; ; . a ; "13A Reverse mortgages"@en; ; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.32". a ; "13A(1) Reverse mortgages"@en; ; "3367ccb11574fffcd282bb8c42b6b42b1ab21aa8bec8b6859636cf71ae9de3b3"; ; "Conditions for a reverse mortgage arrangement to be considered valid."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.32"; . a ; ; ; ; ; . . a ; ; "must"; "Mandatory condition"; "modalities::logic::deontic"; 1.0000; . a ; "13A(2) Reverse mortgages"@en; ; "f92bdbc48e20c6161ec67146d9144ab898bce0d19796486a1062fddb5b89d0f8"; ; "Debtor's total liability must not exceed the maximum amount of credit."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.32"; . a ; ; ; ; "borne by: State"; ; . . a ; ; ">="; "Upper bound on liability"; "modalities::logic::deontic"; 1.0000; . a ; "13A(3) Reverse mortgages"@en; ; "383b8478a5d4cb608684081a5e247c95387455be2d41bc6c46bbe1e2efcc0a10"; ; "Meet prerequisites for reverse mortgage arrangement"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.32"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to meet prerequisites"; "modalities::logic::deontic"; 1.0000; . a ; "13A(4) Reverse mortgages"@en; ; "37d59401fde262e01767140a32387cc801a01219f3740c2f29aebdebb56b4013"; ; "Declare specified kinds of arrangements involving a credit contract and a mortgage to be reverse mortgages."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.32"; . a ; ; ; ; ; . . a ; ; "Permit"; "Grant permission"; "modalities::logic::deontic"; 1.0000; . a ; "3 Subsection 204(1) of the National Credit Code"@en; ; "da1d04c7ae6648a6a69d1be8aaa1940c2e2a0b2af06b4f4429dbb6dc7625780e"; "References section 13A for reverse mortgage"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.33"; . a ; ; ; ; . a ; "4 Subsection 5(1)"@en; ; "53b332e51889a25f7ad990fe4650979f07c92923d6b336377a8c220ebf5a12fe"; "Definition of reverse mortgage information statement"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.33"; . a ; ; ; ; ; . . a ; ; "defines"; "Defines the term"; "reverse mortgage information statement"; "modalities::logic::deontic"; 1.0000; . . a ; ; "appliesTo"; "Applies to documents"; "complies with regulations"; "modalities::dl"; 1.0000; . a ; "5 Subsection 204(1) of the National Credit Code"@en; ; "8b6da495413e6c4388115d296dbdcc4c52a6d62fa6d1b7dd5e9b6f066000ce3b"; "Debtors must reasonably expect to receive a lump sum before the contract ends and intend to discharge their obligations with that sum."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.33"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Debtors have an obligation to reasonably expect to receive a lump sum before the contract ends and intend to discharge their obligations with that sum."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Interval"; "The term of the contract must be 2 years or less."; "modalities::interval_reasoning"; 1.0000; . a ; "6 Subsection 204(1) of the National Credit Code"@en; ; "88fcaf21540585a35470d522693db837fdae5676b3b3fc5db7386e8a26a73a74"; "Inserts Schedule 2, Reverse Mortgages into the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.33"; . a ; ; ; ; ; . . a ; ; "INSERTS"; "Inserts a new provision"; "modalities::logic::deontic"; 1.0000; . a ; "7 Subsection 204(1) of the National Credit Code"@en; ; "76a97f8b3da5acdaf4629a76663557b3263e9b8d5b3f88cdb8a5b1d942e6a997"; "Definition of practising lawyer"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.34"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "="; "Definition of a legal profession"; "modalities::logic::deontic"; 1.0000; . . a ; ; "="; "Class hierarchy for practising lawyers"; "modalities::dl"; 1.0000; . a ; "8 Subsection 204(1) of the National Credit Code"@en; ; "6c758c081f93e438c4f967937bb95421efd16a19bd6d92e31e83553c7b4ded27"; "Definition of reverse mortgaged property"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.34"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "="; "Class hierarchy"; "reverse mortgaged property is a subclass of dwelling or land"; "dwelling or land is a superclass of reverse mortgaged property"; "modalities::dl"; 0.5000; . a ; "9 At the end of section 133"@en; ; "b72bd658f0ba864a6351c17032896f47334898229d9e4052c69ed0b0ae6a2e53"; "Remedies for breach of section 133"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.35"; . a ; ; ; ; "borne by: State"; ; . a ; "10 Before Part 3-3"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.35"; . a ; ; ; ; . a ; "133DA Guide to this Part"@en; ; "45fc77fcaa146628b50faea8005aa63a3a169c8cb10c3ef7dfbcc0a015985255"; "Licensees must provide projections of debtor's equity in the property."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.35"; . a ; ; ; ; ; . . a ; ; "must"; "Licensees must provide projections of debtor's equity in the property."; "modalities::logic::deontic"; 1.0000; . a ; "133DB Giving projections of equity before providing credit"@en; ; "9628adba20e24bf8f8956d38baca9a53451792a9375adc07b27d97d6db022cfd"; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.36". a ; "133DB(1) Giving projections of equity before providing credit"@en; ; "2a6bb676bc690017d62ab929bfe4174ccd8ce41d9ea26913043a97ce7ec9f474"; ; "Licensee must provide projections to consumer before making a preliminary assessment for a reverse mortgage."; "projections, printed copy of projections, information statement"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.36"; . a ; ; ; ; ; . . a ; ; "MUST"; "Must provide"; "modalities::logic::deontic"; 1.0000; . a ; "133DB(2) Giving projections of equity before providing credit"@en; ; "8859f4faaa93168ed1941698e253cfd18de52e523109673c0c047581d0433d53"; ; "Failure to provide projections of equity before providing credit is an offence."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.36"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibition"; "Prohibition on not providing projections of equity before providing credit."; "modalities::logic::deontic"; 1.0000; . a ; "133DB(3) Giving projections of equity before providing credit"@en; ; "53703de97ff6aab9cf0d3e11aa14135001a8f10e45e31c62d9fdb7d7f2c38bb8"; ; "Defence for licensee if they reasonably believe another person has shown consumer projections or given them a copy."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.36"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Defence obligation"; "Licensee has a defence if they reasonably believe..."; "Defence applies."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Belief"; "Reasonable belief required"; "The licensee must reasonably believe..."; "Belief is reasonable."; "modalities::epistemic"; 1.0000; . a ; "13 Section 13"@en; ; "58631331e31b4ee42939a36dfbf6674bd5c11ac968f9a355605776edd20be4f6"; "Defence for circumstances prescribed by regulations."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.37"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "has"; "State bears evidential burden."; "Subsection (2)"; "Defendant"; "modalities::logic::deontic"; 1.0000; . a ; "13 Section 13"@en; ; "bc3454096ad40b566d9270a1f19653cf0ac0887f27fd256bfb5575a47ee2cb18"; "Defence for not giving reverse mortgage information statement"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.37"; . a ; ; ; ; ; . a ; "13 Section 13"@en; ; "09a3ed6a9bd032e040dac310ddef6046b2a3ab9eb1ee4a2165d7c641c225fe1e"; "Duty to report certain information"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.37"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Must provide"; "modalities::logic::deontic"; 1.0000; . a ; "133DC Making reverse mortgage information statement available"@en; ; "84b6c8794cd2849748eb7c1eea5036b084ec4937838c199bc98a30d0ac87222d"; "Make reverse mortgage information statement available on website."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.37"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "MUST"; "Must provide information statement"; "modalities::logic::deontic"; 1.0000; . a ; "133DD Making reverse mortgage information statement available in"@en; ; "001a83e65c9d67bfc8ad12e8c23f70b1cc44a0c8141a91663fbf5603717c2fe1"; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.38". a ; "133DD(1) Making reverse mortgage information statement available in"@en; ; "a61291c0c31b416b781d6f1c2b4a8dcf54350b8069b628a891c00b0bd4d54372"; ; "Licensee must provide reverse mortgage information statement to consumer upon request."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.38"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to provide information statement."; "modalities::logic::deontic"; 1.0000; . a ; "133DD(2) Making reverse mortgage information statement available in"@en; ; "2b67ce7ff862875a352a2016b14ef3f0ae6efb53da18ee75280f031b25d77982"; ; "Must provide reverse mortgage information statement"; "yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.38"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to provide information statement"; "modalities::logic::deontic"; 1.0000; . a ; "133DD(3) Making reverse mortgage information statement available in"@en; ; "9c65f0b3ecafae520a57fed6bb046edf97ffb0e92d7412b1860ceefe4799093d"; ; "Failure to comply with a requirement"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.38"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "violation of"; "Non-compliance with a requirement"; "(3) A person commits an offence if..."; "...the conduct contravenes the requirement."; "modalities::logic::deontic"; 1.0000; . . a ; ; "temporal interval"; "Temporal scope of the offense"; "(3) A person commits an offence if:"; "...and (b) the person engages in conduct; and..."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "ordered trace"; "Sequence of events leading to non-compliance"; "(3) A person commits an offence if:"; "...and (b) the person engages in conduct; and..."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "information dissemination"; "Notification of the offense"; "(3) A person commits an offence if:"; "...and (b) the person engages in conduct; and..."; "modalities::diffusion"; 1.0000; . . a ; ; "artificial intelligence application"; "Automated detection of non-compliance"; "(3) A person commits an offence if:"; "...and (b) the person engages in conduct; and..."; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "133DD(4) Making reverse mortgage information statement available in"@en; ; "7768f4412752033008133c880b498192e92184234266378223173f956b9839c1"; ; "Licensee must provide reverse mortgage information statement under certain circumstances."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.38"; . a ; ; ; ; ; . . a ; ; "MUST"; "Licensee must provide reverse mortgage information statement."; "modalities::logic::deontic"; 1.0000; . a ; "13 Section 13"@en; ; "305df80e9375519e26c38b44c27d9472396e2ccbc70073ec1466443d438e293e"; "Duty to repay"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.39"; . a ; ; ; ; ; . . a ; ; "obligation"; "Repayment obligation"; "modalities::logic::deontic"; 1.0000; . a ; "133DE Representations that use the term “reverse mortgage” etc."@en; ; "a7eae460410ee0bb9f2c7034018908c46126cf5e15c4a73e92c9c69965980db6"; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.40". a ; "133DE(1) Representations that use the term “reverse mortgage” etc."@en; ; "888b316421021f6adcd857331356b3781ae953f555dc85fc9673fa55a9c64c5e"; ; "Use of specific terms in credit representations is prohibited."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.40"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "Prohibit"; "Prohibition on using specific terms."; "modalities::logic::deontic"; 1.0000; . a ; "133DE(2) Representations that use the term “reverse mortgage” etc."@en; ; "af70c40bd781d8c674f26301b925cf7bd6fe07d579951dc2c6b1d2e6be780510"; ; "Use of certain terms in credit representations is prohibited."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.40"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "Prohibit"; "Prohibition on using certain terms in credit representations."; "Licensee must not use specified terms."; "Prohibited action."; "modalities::logic::deontic"; 1.0000; . a ; "133DE(3) Representations that use the term “reverse mortgage” etc."@en; ; "16e26f1ff5bd5dba2b626a5add458a092e798f927ee489f35e3cd495e4200e46"; ; "Defence for representations using the term “reverse mortgage” etc."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.40"; . a ; ; ; ; "borne by: State"; ; . a ; "11 At the end of section 179"@en; ; "80e6e1857be986872dec156047e703779b2e9cf064e0b7b42ac1ac47713e5a83"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.40". a ; "11(6) At the end of section 179"@en; ; "2abf6769fe36a315444c000723c244129b2a2dc45c0574c35e74d729aba9544f"; ; "Prohibits entering into or increasing credit contracts for reverse mortgages that are not suitable for the debtor."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.40"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits entering into or increasing credit contracts for reverse mortgages that are not suitable for the debtor."; "(6) Subsection (7) applies if: (a) the defendant is a credit provider who has contravened section 133 by entering into, or increasing the credit limit of, a credit contract (the illegal contract) that is not a credit contract for a reverse mortgage; and"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Within"; "The credit contract was entered into within the period in which an assessment needed to be made."; "(6) Subsection (7) applies if: (c) the court is satisfied that, at any time in the period in which an assessment needed to be made to comply with section 128 in relation to the illegal contract:"; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring"; "The debtor would have been eligible to enter into a credit contract for the reverse mortgage."; "(6) Subsection (7) applies if: (ii) the debtor would have been eligible to enter into a credit contract for the reverse mortgage; and"; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Obligate"; "The court is obligated to let the plaintiff reside in the place."; "(6) Subsection (7) applies if: (d) the plaintiff, or ASIC on behalf of the plaintiff, applies for an order under this section to let the plaintiff reside in the place to prevent or reduce loss or damage suffered or likely to be suffered by the plaintiff vacating the place."; "modalities::logic::deontic"; 1.0000; . a ; "11(7) At the end of section 179"@en; ; "ed1acd1212288980743b19ea06883502d75b97082db071c55e88b3159a4e643f"; ; "Court must consider order to prevent loss or damage and make it unless adverse effect on other person is satisfied."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.40"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Obligation to consider order"; "modalities::logic::deontic"; 1.0000; . a ; "12 After subsection 17(15) of the National Credit Code"@en; ; "434b8d82b363e26ac7487f4261b5eedc4955c6153ef4e6914233db8a74961d1b"; "Debtor can nominate a person to occupy reverse mortgaged property."; "Provisions for occupation by person other than debtor"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.42"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "has"; "Rights to occupy property"; "modalities::logic::deontic"; 1.0000; . a ; "13 After section 18 of the National Credit Code"@en; ; "8f121d86d5c6ca194d3c9ff6d23375b81a9c39e30f2c49b6dfe00ffd7b0ec0cd"; "Provisions applying to credit providers generally"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.42"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Obligation"; "modalities::logic::deontic"; 1.0000; . a ; "18A Provisions that must not be included in credit contract for"@en; ; "10b664564a2ac37671e38f4db9ce90a0c9a8cce8ea07daddf1cf6132e9757452"; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.43". a ; "18A(1) Provisions that must not be included in credit contract for"@en; ; "e76449a03a12309149d0d3605f867553b905adf582f7ce03e5312b56f7cdc06a"; ; "Prohibits credit providers from entering into reverse mortgage contracts that allow enforcement proceedings for certain events."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.43"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "Prohibit"; "Prohibits the action"; "modalities::logic::deontic"; 1.0000; . a ; "18A(2) Provisions that must not be included in credit contract for"@en; ; "f41930d5f6293105ca9061b5f5e06fef0c32d37997b054641db34e2d8673c65d"; ; "Cannot change credit contract for reverse mortgage to facilitate enforcement proceedings."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.43"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of changing credit contract for reverse mortgage."; "modalities::logic::deontic"; 1.0000; . a ; "18A(3) Provisions that must not be included in credit contract for"@en; ; "c37f85a62426feb3a642691743a5d6881724026310484e28b7e6b8958b82d345"; ; "Events that must not be included in credit contract for"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.43"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibition"; "modalities::logic::deontic"; 1.0000; . a ; "18B Disclosure if credit contract for reverse mortgage does not"@en; ; "1a2490c651a34660857988f73b2465d3e30351483fa5d803cd08c8d32bb080a8"; "Protection of tenancy for a person other than the debtor in reverse mortgage credit contracts."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.43"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "obligation"; "Obligation to protect tenancy"; "modalities::logic::deontic"; 1.0000; . a ; "18C Independent legal advice before entry into credit contract for"@en; ; "10b664564a2ac37671e38f4db9ce90a0c9a8cce8ea07daddf1cf6132e9757452"; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.44". a ; "18C(1) Independent legal advice before entry into credit contract for"@en; ; "1591438a4046fe186cdc65fcc551982477b1dfccab70a8bbc7fea389b7992b56"; ; "Regulation of entry into credit contract for reverse mortgage without legal advice."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.44"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of entry into credit contract for reverse mortgage without legal advice."; "modalities::logic::deontic"; 1.0000; . a ; "18C(2) Independent legal advice before entry into credit contract for"@en; ; "7a3396a9acd1c8e323989da4581014aa73c30975082c6214ce3000728fb9760f"; ; "Offences and civil penalties for contraventions of regulations"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.44"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibition"; "Regulations may provide for offences and civil penalties"; "(2) The regulations may provide for offences and civil penalties"; "modalities::logic::deontic"; 1.0000; . a ; "18C(3) Independent legal advice before entry into credit contract for"@en; ; "9d6d2396b88f8a86a69626b325e00e528c6e5fb2b3021000ff8baf975aeea88d"; ; "Penalties for offences cannot exceed 50 penalty units for an individual or 250 penalty units for a body corporate."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.44"; . a ; ; ; ; ; . . a ; ; "Cannot"; "Prohibition of exceeding penalties"; "modalities::logic::deontic"; 1.0000; . a ; "18C(4) Independent legal advice before entry into credit contract for"@en; ; "f7f16745fce2782bf58090e7cafa6319e296bb40b5e91807a5e3d1bb3deeb5cc"; ; "Maximum civil penalties for individual and body corporate"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.44"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits exceeding maximum civil penalties"; "(4) The civil penalties described in subsection (2)"; "must not be more than 500 penalty units for an individual or 2,500 penalty units for a body corporate."; "modalities::logic::deontic"; 1.0000; . a ; "14 At the end of section 22 of the National Credit Code"@en; ; "529173e78a1424dbf282b667198e70de35dc3626991a26146c954d2a4ae62166"; "Exemption from subsection (1) of section 18B"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.45"; . a ; ; ; ; "borne by: State"; ; . a ; "15 At the end of section 26 of the National Credit Code"@en; ; "d08b7f3ab22b655df75be52e9d5642a8d33d4ae4e51bd4cbe2a8a628619b3efe"; "Credit contract for reverse mortgage cannot prohibit early payment under certain circumstances."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.45"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of early payment"; "Credit contract for reverse mortgage"; "Cannot prohibit early payment under certain circumstances."; "modalities::logic::deontic"; 1.0000; . a ; "16 After paragraph 33(2)(a) of the National Credit Code"@en; ; "89393a4bd01cf7d71ad8bdc30770a53f5ba65bb50d9cc6cfe47e838c8a3d3e96"; "12 months for continuing credit contracts for reverse mortgages"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.45"; . a ; ; ; ; . . a ; ; "Applicable"; "Requires temporal interval relation"; "12 months"; "modalities::interval_reasoning"; 1.0000; . a ; "17 After paragraph 33(2)(b) of the National Credit Code"@en; ; "1dd90ef039ee2b93ccafd729649a829836df1a4f92e39a7827b9042eb643f6f0"; "12 months after a reverse mortgage not involving a continuing credit contract"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.45"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligate"; "12 months after a reverse mortgage not involving a continuing credit contract"; "modalities::logic::deontic"; 1.0000; . . a ; ; "during"; "Temporal interval"; "modalities::interval_reasoning"; 1.0000; . a ; "18 After section 67 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after section 67 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.45"; . a ; ; ; ; . a ; "67A Changes to tenancy protection in credit contracts for reverse"@en; ; "f3ce7a25ccf1396f516434521f212ba9f2c9a91812852a9673bcafded0d09ffa"; "Voiding of changes to credit contracts for reverse mortgages"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.45"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition on changing credit contracts"; "modalities::logic::deontic"; 1.0000; . a ; "19 Division 1 of Part 5 of the National Credit Code (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.46"; . a ; ; ; ; . a ; "20 After section 86 of the National Credit Code"@en; ; "769f504903b8945ee8c8eca38a503a95b9c6a4cf7d1a7428ecc5b8f6dc079035"; "Ending of reverse mortgage by credit provider"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.46"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Imposes duty on credit providers"; "modalities::logic::deontic"; 1.0000; . a ; "86A Application of this Subdivision"@en; ; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.46". a ; "86A(1) Application of this Subdivision"@en; ; "692f11d5881ab5c6bf5b8c55650a8733fb003323f5db7035517b0e39fcaf0913"; ; "Debtor's accrued liability exceeds the adjusted market value for the reverse mortgaged property."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.46"; . a ; ; ; ; "borne by: State"; ; . . a ; ; ">"; "Exceeds the adjusted market value"; "modalities::logic::deontic"; 1.0000; . a ; "86A(2) Application of this Subdivision"@en; ; "2eab05b7358fc579676a0e185789a47ba1f1effd93542af3859a251ce918a14c"; ; "Adjusted market value calculation for reverse mortgaged property"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.46"; . a ; ; ; ; "borne by: State"; ; . a ; "86B Discharge of debtor’s obligations under credit contract and"@en; ; "2b19b64ce0340ed5cd2f5da882180ceb10725e3dde40fdba841f8a845b316a02"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.47". a ; "86B(1) Discharge of debtor’s obligations under credit contract and"@en; ; "162b7cceb58f1a10be7149286b94d410890ed7500174e54d0ac332097e32a133"; ; "Debt obligations under credit contract discharged"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.47"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "discharge"; "Obligation discharge"; "modalities::logic::deontic"; 1.0000; . a ; "86B(2) Discharge of debtor’s obligations under credit contract and"@en; ; "592d42952ae408451c88d1d2e14bd36a6da2c8211f95f06148ca792e225b13ee"; ; "Debt obligations under credit contract are discharged."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.47"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "discharge"; "Obligation discharge"; "modalities::logic::deontic"; 1.0000; . a ; "86C Credit provider must pay debtor excess of receipt over adjusted"@en; ; "89801f6c30576c6979c0c7abce1ae935b63b4fcbee45f2f21c86f97f7039da0d"; "Credit provider must pay excess to debtor"; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.47"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "must"; "Expresses a duty or obligation"; "modalities::logic::deontic"; 1.0000; . a ; "86D Credit provider must not demand or accept further payments"@en; ; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.47". a ; "86D(1) Credit provider must not demand or accept further payments"@en; ; "0336bea2d7bcdc8b8d46107c352c8d0ab72113fb22a797391330c149708dbeac"; ; "Credit provider must not demand or accept further payments"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.47"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "not"; "Negative obligation"; "modalities::logic::deontic"; 1.0000; . a ; "86D(2) Credit provider must not demand or accept further payments"@en; ; "438eb3daaa322f3903e9eb515768e9c736eb5492002ed176f13620f094cf655d"; ; "Credit provider must not demand or accept further payments"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.47"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of demanding or accepting further payments"; "modalities::logic::deontic"; 1.0000; . a ; "86E Cases in which sections 86B, 86C and 86D do not apply"@en; ; "2eb71fe8bea8bf2973392941f04802a579a65e51c45d6cb95a16afe882c58de5"; "Fraud or misrepresentation in reverse mortgage"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.48"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits fraud or misrepresentation"; "Fraud or misrepresentation in reverse mortgage"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlap"; "Overlaps with circumstances prescribed by regulations"; "Circumstances prescribed by the regulations exist"; "modalities::interval_reasoning"; 1.0000; . a ; "86F Relationship between this Subdivision and other provisions"@en; ; "3733c6f02aa7017568dc7ab248718f4d80ca53eb708d853f7af235df6aa7948b"; "Relationship between this Subdivision and other provisions"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.48"; . a ; ; ; ; . a ; "21 Subsections 88(1) and (2) of the National Credit Code"@en; ; "8fb1e0ff602007ac99f155adaa2c79cd37bc9876640d748617d881d8e2b8a4bf"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.48". a ; "21(1) Subsections 88(1) and (2) of the National Credit Code"@en; ; "6434f573020cce99e7b16c2d28cf97aef2632166277a74e71d0c48cc853a7b81"; ; "Credit provider must give debtor a 30-day notice before enforcing a credit contract."; "Default notice"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.48"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Credit provider must give debtor a 30-day notice before enforcing a credit contract."; "modalities::logic::deontic"; 1.0000; . a ; "21(2) Subsections 88(1) and (2) of the National Credit Code"@en; ; "6ef8e0438443cd384e9f7a1afde0d86bcf6597dec9e276941d89c5936d391429"; ; "Credit provider must not begin enforcement proceedings without a default notice and remedy period."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.48"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of enforcement proceedings without a default notice and remedy period."; "(2) A credit provider must not begin enforcement proceedings..."; "...unless the conditions in (c) are met."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Interval"; "Temporal interval for the remedy period."; "(c) the default has not been remedied within that period."; "...within that period."; "modalities::interval_reasoning"; 1.0000; . a ; "22 After subsection 88(7) of the National Credit Code"@en; ; "94610c3ac883eaf33819bae259c3e5c008d6c02d9031c882aa565775375a2fcd"; "Notice purporting to be a default notice is not valid for reverse mortgage defaults"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.49"; . a ; ; ; ; ; . . a ; ; "implies"; "Default notice implies a default under the credit contract"; "modalities::logic::deontic"; 1.0000; . a ; "23 At the end of Division 2 of Part 5 of the National Credit"@en; ; "b51bc00a6b51c89e28017fe4bb0fe31d752d25a6234f8bcf3750f4493cd6b211"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.50"; . a ; ; ; ; . a ; "93A Extra requirements for enforcing reverse mortgage if debtor’s"@en; ; "f753f094bb242daff99c04bb3175dc42bc23e6c728150835906b258a99d8d0ba"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.50". a ; "93A(1) Extra requirements for enforcing reverse mortgage if debtor’s"@en; ; "83bf66364c749deae0fb349eadbdaaf5c4fffc76d1341954a7a264c6f25e85f8"; ; "Extra requirements for enforcing reverse mortgage if debtor’s obligations exceed the amount received."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.50"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Imposes a duty on the state."; "modalities::logic::deontic"; 1.0000; . a ; "93A(2) Extra requirements for enforcing reverse mortgage if debtor’s"@en; ; "5ddecc567c67e393a30379e5c67581d75c6608752ef2429511ed9c1c8f282847"; ; "Credit provider must not begin enforcement proceedings unless notice is given to debtor or lawyer."; "(i) the amount received by the credit provider; (ii) the debtor’s accrued liability just before that amount was received; and (iii) the conditions in section 86E that are met"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.50"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibition"; "Prohibition on beginning enforcement proceedings without proper notice"; "(2) If section 88 requires the credit provider to give the debtor or mortgagor a default notice..."; "modalities::logic::deontic"; 1.0000; . . a ; ; "ClassInclusion"; "The conditions in section 86E are met"; "(iii) the conditions in section 86E that are met"; "modalities::dl"; 1.0000; . a ; "24 After paragraph 111(1)(h) of the National Credit Code"@en; ; "ea10863733236ac02626edb376402850d7fdea216f4e8dbe19d11efda37f3668"; "Insert subsection 17(15A)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.51"; . a ; ; ; ; . a ; "25 After paragraph 111(2)(e) of the National Credit Code"@en; ; "bbc2e93ac841137691d6011b36d7ad2e6fdd6aac518e6929a19d457ee6fa3cd1"; "Insert subsection 17(15A)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.51"; . a ; ; ; ; . a ; "26 After section 185 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after section 185 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.51"; . a ; ; ; ; . a ; "185A Records of nominations of persons to occupy reverse"@en; ; "101433381f70d01be46ba1ba1cecbe7ad673d7432421a721ddf1c0f21cf8354c"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.51". a ; "185A(1) Records of nominations of persons to occupy reverse"@en; ; "f06dddb241065f2331ca9d5993d7be322952e68bb15c24977a6f7732b21d612c"; ; "Credit provider must keep records of nominations and revocations."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.51"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "MUST"; "Obligation to keep records"; "modalities::logic::deontic"; 1.0000; . a ; "185A(2) Records of nominations of persons to occupy reverse"@en; ; "c4d2aec98245791a3d4405251b57c9f5ecce5824d4bf66ed9163fe8ee16177ce"; ; "Failure to comply with a requirement is an offence."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.51"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibition"; "Prohibition of non-compliance"; "(2) A person commits an offence..."; "...the person’s conduct contravenes the requirement."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Obligation"; "Imposition of obligation on individuals"; "(2) A person commits an offence..."; "...the person engages in conduct; and..."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Temporal overlap between requirement and non-compliance"; "(2) A person commits an offence..."; "...the person’s conduct contravenes the requirement."; "modalities::interval_reasoning"; 1.0000; . a ; "1 Subsection 5(1)"@en; ; "9887b883669781dd7048b9d6229ef452188e6ce71875da95e42fa026512ed7dd"; "Definition of short-term credit contract"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.52"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligate"; "Definition of short-term credit contract"; "modalities::logic::deontic"; 1.0000; . . a ; ; "within"; "Temporal interval"; "term of the contract is 15 days or less"; "term of the contract is within 15 days"; "modalities::interval_reasoning"; 1.0000; . a ; "2 Subsection 5(1)"@en; ; "6c48f12798a05c4ec75d7435a89e2924dfb9bc6f8cb01284c130f27637e55ff9"; "Definition of a small amount credit contract"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.52"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; ">="; "Temporal interval"; "Term of the contract is at least 16 days but not longer than 1 year"; "Term of the contract meets the minimum duration requirement"; "modalities::interval_reasoning"; 1.0000; . . a ; ; "not"; "Negative obligation"; "Debtor’s obligations under the contract are not, and will not be, secured"; "Contract does not secure debt obligations"; "modalities::logic::deontic"; 1.0000; . . a ; ; "<="; "Recurring trace"; "Term of the contract is at least 16 days but not longer than 1 year"; "Contract term meets the maximum duration requirement"; "modalities::temporal_ltl"; 1.0000; . . a ; ; "="; "Positive obligation"; "Contract meets any other requirements prescribed by the regulations"; "Contract must comply with additional regulations"; "modalities::logic::deontic"; 1.0000; . a ; "3 At the end of section 111"@en; ; "89c057831f9f001a4a8af05a9f8f711619ceb82ee5ff1330d2ad48fbe049ba31"; "Division 7 prohibits a licensee from providing credit assistance to a consumer in relation to short-term credit contracts."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.52"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibition of providing credit assistance"; "modalities::logic::deontic"; 1.0000; . a ; "4 After subsection 117(1)"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.53". a ; "4(1A) After subsection 117(1)"@en; ; "b01544a6b8fae67a2620403f08bd0837a30db9d6bcd829ec871145970e2c79bf"; ; "Licensee must obtain account statements for consumer's financial situation."; "account statements"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.53"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to provide account statements"; "modalities::logic::deontic"; 1.0000; . a ; "4(1B) After subsection 117(1)"@en; ; "b12e2235eb86d1ecc9e1da0201cf4d9b25b075bf660be515348883c1a36c684d"; ; "Subsection (1A) does not limit paragraph (1)(c) of this section."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.53"; . a ; ; ; ; ; . . a ; ; "Implies"; "Subsection (1A) implies paragraph (1)(c)"; "(1B)"; "(1A)"; "modalities::logic::deontic"; 0.5000; . a ; "5 After subsection 118(3)"@en; ; "6bb8e56fd88ca99426be877eee843aac5ec396a1b2a498ecccf974ce2d8bca65"; "Presumption of substantial hardship for consumer to comply with financial obligations under contract."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.53"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Presumption of obligation"; "Consumer is a debtor under another small amount credit contract."; "Consumer could only comply with financial obligations under the relevant contract with substantial hardship."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Temporal overlap between consumer's financial obligations and other credit contracts"; "The consumer has been a debtor under another small amount credit contract in the 90-day period before the time of the preliminary assessment."; "The consumer's financial obligations overlap with other credit contracts."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring"; "Recurring pattern of consumer's financial obligations and default"; "The consumer has been a debtor under 2 or more other small amount credit contracts in the 90-day period before the time of the preliminary assessment."; "A recurring pattern of consumer's financial obligations and default exists."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Diffuses"; "Diffusion of consumer's financial obligations to other credit contracts"; "The consumer is a debtor under another small amount credit contract."; "Consumer's financial obligations diffuse to other credit contracts."; "modalities::diffusion"; 1.0000; . . a ; ; "Recognizes"; "Recognition of consumer's financial situation by the state"; "The state inserts a new subsection into the Act."; "The state recognizes consumer's financial situation as having substantial hardship."; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "6 After subsection 123(3)"@en; ; "3a52a7ac8df2af86859746ad000b3937fddec076126272c97177e93df1bd9605"; "Presumption of substantial hardship for consumer with multiple debt obligations"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.53"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Presumption"; "Presumption of substantial hardship"; "Consumer is a debtor under another small amount credit contract and Consumer is in default in payment of an amount under that other contract"; "It is presumed that the consumer could only comply with the consumer’s financial obligations under the relevant contract with substantial hardship"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Temporal overlap between debt obligations"; "Consumer has been a debtor under 2 or more other small amount credit contracts in the 90-day period before the time the licensee provides the credit assistance"; "The consumer’s debt obligations overlap with each other"; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring"; "Recurring pattern of debt obligations"; "Consumer has been a debtor under 2 or more other small amount credit contracts in the 90-day period before the time the licensee provides the credit assistance"; "There is a recurring pattern of debt obligations"; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Diffuses"; "Diffusion of debt obligations"; "Consumer has been a debtor under 2 or more other small amount credit contracts in the 90-day period before the time the licensee provides the credit assistance"; "The consumer’s debt obligations diffuse into each other"; "modalities::diffusion"; 1.0000; . . a ; ; "Recognizes"; "Recognition of consumer’s financial obligations"; "Consumer is a debtor under another small amount credit contract and Consumer is in default in payment of an amount under that other contract"; "The system recognizes the consumer’s financial obligations"; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "7 At the end of Part 3-1"@en; ; "f552a1e79bdc74d313b3f0f000e309faa363c9b81f8db6b9d0fb2b41f0dcea48"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.54"; . a ; ; ; ; . a ; "124A Prohibition on providing credit assistance in relation to"@en; ; "3fa1af92bcbbe3a8ab5da8ff6aa700a540c8641f5472aa31d8c202d07a889ff7"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.54". a ; "124A(1) Prohibition on providing credit assistance in relation to"@en; ; "9b1c40ef33bc62d83871d22a70bc9e3dfaa775763f550ca5a0e64cc10d6fa2f5"; ; "Prohibition on providing credit assistance in relation to short-term credit contracts."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.54"; . a ; ; ; ; ; . . a ; ; "forbid"; "Prohibits the licensee from providing credit assistance."; "modalities::logic::deontic"; 1.0000; . . a ; ; "during"; "Restricts actions during short-term credit contracts."; "(1) A licensee must not provide credit assistance to a consumer by: (a) suggesting that the consumer apply, or assisting the consumer to apply, for a short-term credit contract; or (b) suggesting that the consumer apply, or assisting the consumer to apply, for an increase to the credit limit of a particular short-term credit contract with a particular credit provider."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "during"; "Restricts actions during short-term credit contracts."; "(1) A licensee must not provide credit assistance to a consumer by: (a) suggesting that the consumer apply, or assisting the consumer to apply, for a short-term credit contract; or (b) suggesting that the consumer apply, or assisting the consumer to apply, for an increase to the credit limit of a particular short-term credit contract with a particular credit provider."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "during"; "Restricts actions during short-term credit contracts."; "(1) A licensee must not provide credit assistance to a consumer by: (a) suggesting that the consumer apply, or assisting the consumer to apply, for a short-term credit contract; or (b) suggesting that the consumer apply, or assisting the consumer to apply, for an increase to the credit limit of a particular short-term credit contract with a particular credit provider."; "modalities::diffusion"; 1.0000; . . a ; ; "during"; "Restricts actions during short-term credit contracts."; "(1) A licensee must not provide credit assistance to a consumer by: (a) suggesting that the consumer apply, or assisting the consumer to apply, for a short-term credit contract; or (b) suggesting that the consumer apply, or assisting the consumer to apply, for an increase to the credit limit of a particular short-term credit contract with a particular credit provider."; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "124A(2) Prohibition on providing credit assistance in relation to"@en; ; "1605107e68db87fb7318b0beb2f9d50384c9411f181bba2be7dd5e52b7989c58"; ; "Prohibition on providing credit assistance in relation to certain conduct."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.54"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits the provision of credit assistance."; "(2) A person commits an offence if..."; "...the conduct contravenes the requirement."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Interval"; "Defines the temporal interval for the prohibition."; "(2) A person commits an offence if..."; "...the conduct contravenes the requirement."; "modalities::interval_reasoning"; 1.0000; . a ; "124B Licensee who makes representations about credit assistance in"@en; ; "483246af33acb03367cbd5600043597f2762f98045f63dbd64bde521d5666f31"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.55". a ; "124B(1) Licensee who makes representations about credit assistance in"@en; ; "6d2afd6eee27761258bf537d4c67de0244e67bfde1310c5294705b9e8e23d11c"; ; "Display information about credit assistance and ensure website compliance."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.55"; . a ; ; ; ; ; . . a ; ; "Must"; "Obligation to display information"; "modalities::logic::deontic"; 1.0000; . a ; "124B(2) Licensee who makes representations about credit assistance in"@en; ; "196ca9d90365a97f22163301e133da6f4bea56f93133531548b6a0aae14c665a"; ; "Engaging in conduct that contravenes a requirement is an offence."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.55"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibition"; "Prohibits conduct"; "(a) the person is subject to a requirement under subsection (1); and (b) the person engages in conduct; and (c) the conduct contravenes the requirement."; "The conduct is prohibited."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Requires relation between temporal intervals"; "Requires a relation between identifiable temporal intervals"; "(2) A person commits an offence if: (a) the person is subject to a requirement under subsection (1); and (b) the person engages in conduct; and (c) the conduct contravenes the requirement."; "modalities::interval_reasoning"; 0.5000; . . a ; ; "Requires ordered or recurring trace"; "Requires an ordered or recurring trace of conduct"; "(2) A person commits an offence if: (a) the person is subject to a requirement under subsection (1); and (b) the person engages in conduct; and (c) the conduct contravenes the requirement."; "modalities::temporal_ltl"; 0.5000; . a ; "8 After subsection 130(1)"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.55". a ; "8(1A) After subsection 130(1)"@en; ; "829ec7034ac85ad9641579355d102b9bc34642b3d9e72cda6c4b1f33e2afb769"; ; "Licensee must obtain and consider account statements for consumer's financial situation."; "account statements"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.55"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to provide account statements"; "modalities::logic::deontic"; 1.0000; . a ; "8(1B) After subsection 130(1)"@en; ; "b12e2235eb86d1ecc9e1da0201cf4d9b25b075bf660be515348883c1a36c684d"; ; "Subsection (1A) does not limit paragraph (1)(c) of this section."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.55"; . a ; ; ; ; ; . . a ; ; "Exclusion"; "Excludes limitation"; "(1A) does not limit (1)(c)"; "(1B)"; "modalities::logic::deontic"; 0.5000; . a ; "9 At the end of subsection 131(1) (before the note)"@en; ; "e23ade19cc6f8c6f67bbf7ec04c6d342f948b19d65cb2199d14c7ce2f0801c26"; "Civil penalty of 2,000 penalty units"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.56"; . a ; ; ; ; ; . a ; "10 Subsection 131(2) (penalty)"@en; ; "f995e662941084ec00cc9858b5b899f201374d34777f137b6a62476507bccabf"; "Repeal the penalty."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.56"; . a ; ; ; ; . . a ; ; "Repeal"; "Repeal the penalty."; "modalities::logic::deontic"; 1.0000; . a ; "11 After subsection 131(3)"@en; ; "d1bb3afd67d7ad9a92a6dc07997b65c10d288d80915b58cb0a2bac4686c6aef3"; "Presumption of substantial hardship in case of multiple debtors"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.56"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "implies"; "Presumption implies obligation"; "modalities::logic::deontic"; 1.0000; . a ; "12 After subsection 133(3)"@en; ; "fb503c2e203ff9a48311b892192356016cccdd86dbe3d03fffcfee6ff9b545af"; "Presumption of substantial hardship for consumer to comply with financial obligations under a contract."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.56"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Presumption of substantial hardship"; "Consumer is a debtor under another small amount credit contract"; "Consumer could only comply with financial obligations with substantial hardship"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal relation"; "90-day period before contract entry or limit increase"; "The consumer has been a debtor under 2 or more other small amount credit contracts in the 90-day period"; "The time frame is relevant to the presumption of substantial hardship"; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring trace"; "Consumer's debt history over time"; "The consumer has been a debtor under multiple small amount credit contracts"; "The pattern of debt is relevant to the presumption of substantial hardship"; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Knowledge representation"; "Semantic network for consumer debt"; "Consumer debt history is represented as a network"; "The network is used to infer the presumption of substantial hardship"; "sparql_library::parsers::chk_parser"; 1.0000; . . a ; ; "Validation"; "Validation of consumer data against schema"; "The consumer's debt history is validated against a schema"; "The validation confirms the classification of substantial hardship"; "modalities::logic::shacl"; 1.0000; . a ; "13 After Part 3-2B"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert provision after Part 3-2B"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.57"; . a ; ; ; ; . a ; "133C Guide to this Part"@en; ; "f5e9e4680a640059fdc38c0cebb823bc403ab5c3885f67a82c48dc0b8a2631bf"; "Applicable to licensees who are, or are to be credit providers under short-term credit contracts and small amount credit contracts."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.57"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "ApplicableTo"; "Indicates applicability to a specific group."; "modalities::logic::deontic"; 1.0000; . a ; "133CA Prohibition on entering, or increasing the credit limit of,"@en; ; "3fa1af92bcbbe3a8ab5da8ff6aa700a540c8641f5472aa31d8c202d07a889ff7"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.58". a ; "133CA(1) Prohibition on entering, or increasing the credit limit of,"@en; ; "ec1040614ad9d5163970c50a1b1d63d167aecc5b7608e914ac90b7292c2a3e24"; ; "Prohibition on entering or increasing credit limit of short-term credit contract with a consumer who is the debtor under the contract."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.58"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibition on entering or increasing credit limit of short-term credit contract with a consumer who is the debtor under the contract."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Trace"; "Tracing the licensee's actions to determine if they have entered or increased the credit limit of a short-term credit contract with a consumer who is the debtor under the contract."; "modalities::temporal_ltl"; 1.0000; . a ; "133CA(2) Prohibition on entering, or increasing the credit limit of,"@en; ; "196ca9d90365a97f22163301e133da6f4bea56f93133531548b6a0aae14c665a"; ; "Prohibition on entering or increasing credit limit"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.58"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Imposes a duty to abstain from conduct"; "(2) A person commits an offence..."; "...contravenes the requirement."; "modalities::logic::deontic"; 1.0000; . a ; "133CB Licensee who makes representations about small amount"@en; ; "5ce26b6cca3da8e5ad477db489b5443795637b20d503a7f1fef2ad1f3f97bb43"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.58". a ; "133CB(1) Licensee who makes representations about small amount"@en; ; "341524c1c9dc69c5509bf56d337593a4d07511388cf9469b37131ea68510cbe4"; ; "Display information and ensure website compliance."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.58"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to display information and ensure website compliance."; "modalities::logic::deontic"; 1.0000; . a ; "133CB(2) Licensee who makes representations about small amount"@en; ; "196ca9d90365a97f22163301e133da6f4bea56f93133531548b6a0aae14c665a"; ; "Engaging in conduct that contravenes a requirement is an offence."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.58"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "Prohibition"; "Prohibits conduct"; "(a) the person is subject to a requirement under subsection (1); and (b) the person engages in conduct; and (c) the conduct contravenes the requirement."; "The conduct contravenes the requirement."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Requires overlap between conduct and requirement"; "(b) the person engages in conduct; and (c) the conduct contravenes the requirement."; "The conduct overlaps with the requirement."; "modalities::interval_reasoning"; 0.5000; . . a ; ; "Repeats"; "Requires repetition of conduct"; "(b) the person engages in conduct; and (c) the conduct contravenes the requirement."; "The conduct repeats with the requirement."; "modalities::temporal_ltl"; 0.5000; . . a ; ; "Diffuses"; "Diffuses requirements to agents"; "(a) the person is subject to a requirement under subsection (1); and (b) the person engages in conduct; and (c) the conduct contravenes the requirement."; "The requirement diffuses to the agent."; "modalities::diffusion"; 0.5000; . . a ; ; "Recognizes"; "Recognizes agents subject to requirements"; "(a) the person is subject to a requirement under subsection (1); and (b) the person engages in conduct; and (c) the conduct contravenes the requirement."; "The agent recognizes the requirement."; "sparql_library::parsers::chk_parser"; 0.5000; . a ; "133CC Licensee must not enter into a small amount credit contract"@en; ; "be69ff2b2dc85072b7e88932c7fa3ff51736d845bb05c44077fb1c721ce0e66e"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.59". a ; "133CC(1) Licensee must not enter into a small amount credit contract"@en; ; "81dd879e07c8fc66ea1529a531be88465af6aea3c0fdd3fc554cdae84781247c"; ; "Licensee must not enter into a small amount credit contract with a consumer who will be the debtor under the contract."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.59"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "Prohibit"; "Prohibits entering into a small amount credit contract with a consumer."; "(1) A licensee must not enter into, or offer to enter into, a small amount credit contract..."; "...Offence"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Classify"; "Classifies the contract as a small amount credit contract."; "(1) A licensee must not enter into, or offer to enter into, a small amount credit contract..."; "...with a consumer who will be the debtor under the contract."; "modalities::dl"; 1.0000; . . a ; ; "Temporal Interval"; "Defines the temporal interval for the prohibition."; "(1) A licensee must not enter into, or offer to enter into, a small amount credit contract..."; "...if: (a) the consumer is included in a class of consumers prescribed by the regulations; and"; "modalities::interval_reasoning"; 0.5000; . . a ; ; "Recurring Trace"; "Defines the recurring trace for the prohibition."; "(1) A licensee must not enter into, or offer to enter into, a small amount credit contract..."; "...with a consumer who will be the debtor under the contract if: (a) the consumer is included in a class of consumers prescribed by the regulations; and"; "modalities::temporal_ltl"; 0.5000; . . a ; ; "Obligation"; "Imposes an obligation on the licensee to not enter into a small amount credit contract."; "(1) A licensee must not enter into, or offer to enter into, a small amount credit contract..."; "...Civil penalty: 2,000 penalty units."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Implication"; "Implies that the licensee's action is prohibited if certain conditions are met."; "(1) A licensee must not enter into, or offer to enter into, a small amount credit contract..."; "...if: (a) the consumer is included in a class of consumers prescribed by the regulations; and"; "modalities::argumentation"; 0.5000; . a ; "133CC(2) Licensee must not enter into a small amount credit contract"@en; ; "196ca9d90365a97f22163301e133da6f4bea56f93133531548b6a0aae14c665a"; ; "Licensee must not enter into a small amount credit contract"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.59"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "Prohibit"; "Prohibition"; "(2) A person commits an offence if..."; "50 penalty units."; "modalities::logic::deontic"; 1.0000; . a ; "14 Paragraph 180(1)(b)"@en; ; "08d666a8b705f78289bb0b518e2cd1d513e65b4bdce12f702dbb1b5f628e4418"; "Engaging in activity contravenes certain sections."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.59"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "Prohibition"; "Prohibits engaging in activity."; "modalities::logic::deontic"; 1.0000; . a ; "15 After section 335"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.60"; . a ; ; ; ; . a ; "335A Review relating to small amount credit contracts"@en; ; , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.60". a ; "335A(1) Review relating to small amount credit contracts"@en; ; "33611f4e89d6da5943c1799d54c2d5f786a70dc0ac1c1702011fdb88cf36acca"; ; "Review of certain provisions and establishment of a national database for small amount credit contracts"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.60"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Minister must undertake review"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Interval"; "Review must be undertaken as soon as practicable after 1 July 2015"; "as soon as practicable after 1 July 2015:"; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Permission"; "Establishment of a national database is optional"; "whether a national database of small amount credit contracts should be established:"; "modalities::logic::deontic"; 1.0000; . a ; "335A(2) Review relating to small amount credit contracts"@en; ; "bcc9826b16478c5131bdc9d43a143feb059c66fffe4a45aaf4ee1adfd14554a9"; ; "The review must be undertaken by 3 persons who possess appropriate qualifications."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.60"; . a ; ; ; ; . a ; "335A(3) Review relating to small amount credit contracts"@en; ; "ae273552b374d7cb6478be2bacca182b108f6565f0f53188cd80bc3fd7742b62"; ; "The persons undertaking the review must provide a written report to the Minister."; "written report"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.60"; . a ; ; ; ; . . a ; ; "MUST"; "Obligation to provide a written report"; "modalities::logic::deontic"; 1.0000; . a ; "335A(4) Review relating to small amount credit contracts"@en; ; "420a3868d1fb1577bc8437ffcc2478ceb45b60757423fe92f501cbdc79336b17"; ; "Minister must table report in each House of Parliament within 15 sitting days."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.60"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Obligation to table report"; "modalities::logic::deontic"; 1.0000; . a ; "335A(5) Review relating to small amount credit contracts"@en; ; "9bd0af5997be9366599180ffebbc4e91a905c0c5501ca0c26590e1492104b2ba"; ; "The report must be submitted within a certain timeframe."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.60"; . a ; ; ; ; ; . . a ; ; "MUST"; "Must provide the report"; "modalities::logic::deontic"; 1.0000; . a ; "1A At the end of paragraph 335A(1)(a)"@en; ; "029bc25f728f1c8ff62febf1be0445fa68d5d982dcf96122aa70336e01823a37"; "Add sections of National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.61"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "addition"; "Adding sections to the National Credit Code"; "modalities::logic::deontic"; 1.0000; . a ; "1 Subsections 17(4) to (6) of the National Credit Code"@en; ; "1de4e107eb31fa25e5372d4010b6c833c6e4c243f48a1f0587d88f2edbeabf0d"; "Modify contract wording in National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.61"; . a ; ; ; ; ; . . a ; ; "Modify"; "Change contract wording"; "modalities::logic::deontic"; 1.0000; . a ; "2 Section 23 of the National Credit Code (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.61"; . a ; ; ; ; . a ; "23 Prohibited monetary obligations—general"@en; ; "Monetary obligations are prohibited"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.61"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits monetary obligations"; "modalities::logic::deontic"; 1.0000; . a ; "3 Subsection 23(1) of the National Credit Code"@en; ; "d7abd3c83e551e8a6fd1f43e3fb30c9212223eb27f19a78d937f13e6733b87d1"; "Insertion of a term in the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.61"; . a ; ; ; ; ; . . a ; ; "insert"; "Insertion of a term"; "modalities::logic::deontic"; 1.0000; . a ; "4 After section 23 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after section 23 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.61"; . a ; ; ; ; . a ; "23A Prohibited monetary obligations—small amount credit"@en; ; "b094db7ce2f99cbcbde7ec178a6754bac666e2192f076807acbd70d49ddd0559"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.61". a ; "23A(1) Prohibited monetary obligations—small amount credit"@en; ; "48d4600a6be9f441075982ffc7ecfd94df0ca707d3401974053005c51bee9a81"; ; "Prohibited monetary obligations—small amount credit"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.61"; . a ; ; ; ; ; . . a ; ; "forbid"; "Forbids small amount credit contracts from imposing certain monetary liabilities"; "(1) A small amount credit contract must not impose a monetary liability on the debtor:"; "modalities::logic::deontic"; 1.0000; . . a ; ; "forbid"; "Forbids small amount credit contracts from imposing certain fees or charges"; "in respect of a fee or charge prohibited by this Code;"; "modalities::logic::deontic"; 1.0000; . . a ; ; "forbid"; "Forbids small amount credit contracts from imposing certain monetary liabilities"; "(c) in respect of an amount of a fee or charge exceeding the amount that may be charged consistently with this Code."; "modalities::logic::deontic"; 1.0000; . . a ; ; "during"; "Applies to interest charges during the contract period"; "(1) A small amount credit contract must not impose a monetary liability on the debtor:"; "modalities::interval_reasoning"; 1.0000; . a ; "23A(2) Prohibited monetary obligations—small amount credit"@en; ; "71e6d0b0595aee8bb7b188fca18863961244ea615602411c70925f43540342b5"; ; "Voiding of provisions imposing prohibited monetary liabilities"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.61"; . a ; ; ; ; ; . . a ; ; "void"; "Prohibition"; "modalities::logic::deontic"; 1.0000; . a ; "5 Section 24 of the National Credit Code (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.62"; . a ; ; ; ; . a ; "24 Offences related to prohibited monetary obligations—credit"@en; ; "1e19bab29bc6432a45375515ae332f5fc9540db0100ac0b05c3ccb42923c189d"; "Offences related to prohibited monetary obligations—credit"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.62"; . a ; ; ; ; ; . a ; "6 After subsection 24(1) of the National Credit Code"@en; ; "fd26194c294da96b78a41e44d2d5d652acd1c887f35495e409ca5ab858977a60"; "Credit provider must not enter into a small amount credit contract with prohibited terms."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.62"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "Prohibit"; "Prohibition of entering into a small amount credit contract with prohibited terms."; "Subsection 23A(1)"; "Credit provider must not enter into a small amount credit contract on terms imposing a monetary liability prohibited by subsection 23A(1); or"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal relation"; "Temporal relation between the prohibition and the credit contract."; "Subsection 24(1)"; "After subsection 24(1) of the National Credit Code"; "modalities::interval_reasoning"; 0.5000; . . a ; ; "Recurring trace"; "Recurring trace of prohibited terms in the credit contract."; "Subsection 23A(1)"; "Credit provider must not enter into a small amount credit contract on terms imposing a monetary liability prohibited by subsection 23A(1); or"; "modalities::temporal_ltl"; 0.5000; . . a ; ; "Knowledge representation"; "Knowledge representation of the prohibition in the National Credit Code."; "Subsection 23A(1)"; "Monetary liability prohibited by subsection 23A(1); or"; "sparql_library::parsers::chk_parser"; 0.5000; . . a ; ; "Validation"; "Validation of the prohibition against entering into a small amount credit contract."; "Subsection 24(1)"; "After subsection 24(1) of the National Credit Code"; "modalities::logic::shacl"; 0.5000; . a ; "7 Subsection 24(2) of the National Credit Code"@en; ; "27eca64a81b75a755e4e686c69d668aa08e354272a08015b61c14bef322e17c4"; "Omit 'Subsection (1) is an offence', substitute 'Subsections (1) and (1A) are offences'."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.62"; . a ; ; ; ; ; . a ; "8 After section 24 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after section 24 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.62"; . a ; ; ; ; . a ; "24A Offences related to prohibited monetary obligations—credit"@en; ; "78d6a1feb039e168b90bb31355fde2596f0cd1a7ff296f35beeda4ecc982cc80"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.62". a ; "24A(1) Offences related to prohibited monetary obligations—credit"@en; ; "58156aaf0b8422da74000c34a5c5490280fa10858aa1dd44af2df508cf5ac467"; ; "Prohibition on providing credit assistance to consumers that may contravene subsection 23A(1)."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.62"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition on providing credit assistance."; "modalities::logic::deontic"; 1.0000; . a ; "24A(2) Offences related to prohibited monetary obligations—credit"@en; ; "ace80b028e2d7e3ae6b15f440401da5f3483d8bae1ca59f778ab673e4f49cf58"; ; "Prohibition on providing credit assistance to consumers in relation to prohibited monetary obligations."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.62"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "forbid"; "Prohibits providing credit assistance."; "modalities::logic::deontic"; 1.0000; . a ; "9 After section 27 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after section 27 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.63"; . a ; ; ; ; . a ; "27A Application of this Division"@en; ; "8f656acb4ba60ea16ae0cc4646da0c02237593810e3c46acc5fe807da268f814"; "Division does not apply to small amount credit contracts."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.63"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "does not apply"; "Division does not apply."; "modalities::logic::deontic"; 1.0000; . a ; "10 Section 31 of the National Credit Code"@en; ; "eaf28a4c682e6ae22093ec165e53b15e8ab4a7e7d7ff3ba362e8a9415969bd8b"; "Insertion of '(1)' before 'The regulations'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.63"; . a ; ; ; ; . a ; "11 At the end of section 31 of the National Credit Code"@en; ; "e615ae64fdcdc38d42e24b9d2252951823b686b2044d9f5ab67981d250d75138"; "Small amount credit contracts are exempt from subsection (1) of section 31."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.63"; . a ; ; ; ; "borne by: State"; ; . a ; "12 After section 31 of the National Credit Code"@en; ; "5314a86652fc9cf7ec3fb5f54c5f15626480626fd97f56dba621d33e53e5bed6"; "Caps on costs for credit contracts"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.63"; . a ; ; ; ; ; . . a ; ; "imposes"; "Imposes obligation to cap costs"; "modalities::logic::deontic"; 1.0000; . a ; "31A Restrictions on fees and charges for small amount credit"@en; ; "b094db7ce2f99cbcbde7ec178a6754bac666e2192f076807acbd70d49ddd0559"; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.64". a ; "31A(1) Restrictions on fees and charges for small amount credit"@en; ; "14b8577c1520a5519d1402b95e56271ee04fbfcbd751f2ce93ffe39c186910e4"; ; "No fees and charges for small amount credit contracts except certain kinds."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.64"; . a ; ; ; ; ; . . a ; ; "forbid"; "Prohibits fees and charges"; "modalities::logic::deontic"; 1.0000; . a ; "31A(1A) Restrictions on fees and charges for small amount credit"@en; ; "9164a601adbaa93ca42aa3024bc7fffcd0646c229a7f7c9b245f24e0f3f5b2cc"; ; "No permitted establishment fee for refinance of credit"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.64"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "forbid"; "Prohibits establishment fee"; "modalities::logic::deontic"; 1.0000; . a ; "31A(2) Restrictions on fees and charges for small amount credit"@en; ; "b1c91d1633047947409b684a52774aaa64a14633589c7f33d04f7be90b3cac8d"; ; "Maximum amount of permitted monthly fee must not exceed 20% of the adjusted credit amount."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.64"; . a ; ; ; ; "borne by: State"; ; . . a ; ; ">="; "Maximum amount constraint"; "modalities::logic::deontic"; 1.0000; . a ; "31A(3) Restrictions on fees and charges for small amount credit"@en; ; "4e2eca1de2f712749fa67ef113dd86b1553092031953b50e448f21cb6ccf5234"; ; "Maximum monthly fee for small amount credit contract"; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.64"; . a ; ; ; ; "borne by: State"; ; . . a ; ; ">="; "Maximum fee limit"; "4% of adjusted credit amount"; "Obligation to not exceed"; "modalities::logic::deontic"; 1.0000; . a ; "31B Credit provider or prescribed person must not require or"@en; ; "d15753cb9725bcce23b6c40b330e731b2a55bdf32d505f448a0acdb8a5eb1e89"; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.64". a ; "31B(1) Credit provider or prescribed person must not require or"@en; ; "047621f8756fb97afd0939476d600acfd2e52a2d502d8928930e88cd3c7f959f"; ; "Credit provider or prescribed person must not require payment by debtor for certain transactions."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.64"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Must Not"; "Prohibition of requiring payment"; "(1) A credit provider, or a person prescribed by the regulations, must not require..."; "...100 penalty units."; "modalities::logic::deontic"; 1.0000; . a ; "31B(2) Credit provider or prescribed person must not require or"@en; ; "70bb0ed11890f3447eea64f872c089be9d5d36b766ff06bcabc5dd693f3a2714"; ; "No requirement or charge that may be imposed by the small amount credit contract under section 31A or prescribed by regulations."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.64"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "not"; "Negative obligation"; "modalities::logic::deontic"; 1.0000; . a ; "31B(3) Credit provider or prescribed person must not require or"@en; ; "a7d7a222007a2c78d6dbc36aeb9c74994e94e075d52f3d8cead5f38737929548"; ; "Credit provider or prescribed person must not require or"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.64"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Must Not"; "Prohibition"; "modalities::logic::deontic"; 1.0000; . a ; "13 After Division 4 of Part 2 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.65"; . a ; ; ; ; . a ; "32A Prohibitions relating to credit contracts if the annual cost rate"@en; ; "223311f472f11b4eeab208c3f69ade113ae5fc6c5c889264f5b45f86f94b60f8"; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.65". a ; "32A(1) Prohibitions relating to credit contracts if the annual cost rate"@en; ; "742f4655c744e6d4bf8cdac71fa239ac71e8d3fc68e33f1d5dde349f2d78c7e4"; ; "Prohibits entering into credit contracts with annual cost rates exceeding 48%."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.65"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "forbid"; "Prohibits action"; "modalities::logic::deontic"; 1.0000; . a ; "32A(2) Prohibitions relating to credit contracts if the annual cost rate"@en; ; "94dab880f89e40e702b4e0a33715f1b375e8479b334df35fcdfeb15abc2f84f0"; ; "Prohibits providing credit assistance if annual cost rate exceeds 48%."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.65"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "forbid"; "Prohibits action"; "modalities::logic::deontic"; 1.0000; . a ; "32A(3) Prohibitions relating to credit contracts if the annual cost rate"@en; ; "c6c3d72bdf0815c06cb678834267921dc7ab42ff76f22d5c7327ec3757556d2c"; ; "Prohibition on charging fees for credit assistance"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.65"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits charging fees"; "(3) If a person provides credit assistance to a consumer that is prohibited by subsection (2):"; "(a) the consumer is not liable (and is taken never to have been liable) to pay any fees or charges to the person in relation to:"; "modalities::logic::deontic"; 1.0000; . a ; "32A(4) Prohibitions relating to credit contracts if the annual cost rate"@en; ; "36c09500570e8a4476076e28673f1a37e5b52d2ff140c977ac587719226dd407"; ; "Exemptions from prohibition on credit contracts"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.65"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "except"; "Exemptions from prohibition"; "(4) This section does not apply if:"; "modalities::logic::deontic"; 1.0000; . . a ; ; "during"; "Temporal interval for exemption"; "(4) This section does not apply if:"; "modalities::interval_reasoning"; 1.0000; . a ; "32AA Prohibition relating to the annual cost rate of credit"@en; ; "2cfec8055ad331d3b9182e15ba7d3542bacc0516c28f3076eafed4010406e401"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.66". a ; "32AA(1) Prohibition relating to the annual cost rate of credit"@en; ; "ca4b8c717f61f182350abac7d9691500ea02a0cf59220dfce2f16f0c23751363"; ; "Prohibition on credit providers exceeding 48% annual cost rate if certain conditions occur after contract entry."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.66"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition on exceeding 48% annual cost rate."; "(1) If..."; "...the credit provider contravenes this subsection."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Interval"; "Temporal interval for calculating annual cost rate."; "(i) the annual percentage rate under the contract increases;"; "...the credit provider contravenes this subsection if..."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring Trace"; "Recurring trace for monitoring credit contracts."; "(ii) an amount referred to in subsection 32B(3)..."; "...the credit provider contravenes this subsection if..."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Prohibit"; "Prohibition on exceeding 48% annual cost rate."; "(b) the credit provider is not an ADI;"; "...the credit provider contravenes this subsection if..."; "modalities::logic::deontic"; 1.0000; . a ; "32AA(2) Prohibition relating to the annual cost rate of credit"@en; ; "981a02271226d9837b6a31c30d4b26ee30679809aa4e3d0d50a0c9a83458a734"; ; "Prohibition on contravening subsection (1)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.66"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "prohibition"; "Prohibition"; "(2) A credit provider must not contravene subsection (1)"; "A credit provider must not contravene subsection (1)"; "modalities::logic::deontic"; 0.5000; . a ; "32B Calculation of annual cost rate"@en; ; , , , , , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.67". a ; "32B(1) Calculation of annual cost rate"@en; ; "af68d7509beead5eaa2fcfe7455386a7c7338aed4d45976c6cc123d4093332dc"; ; "Annual cost rate calculation formula"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.67"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "="; "Formula definition"; "modalities::logic::deontic"; 1.0000; . a ; "32B(2) Calculation of annual cost rate"@en; ; "cfc95f099185ce48bcf88c1c0eb9e210e74c4d7727190fd21fa4b69748f00ccb"; ; "Calculates annual cost rate"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.67"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "="; "Defines r in terms of A, C, F, j, and t"; "r = 0"; "r = Aj + Cj + Ft"; "modalities::logic::deontic"; 1.0000; . . a ; ; "="; "Defines t as a multiple of the interval between contractual repayments"; "t = j - 0"; "t = Aj + Cj + Ft"; "modalities::interval_reasoning"; 1.0000; . a ; "32B(3) Calculation of annual cost rate"@en; ; "2495b35d628bda27fa732094bd0abfbfbc0a69f5532cb997fad4a0b71e09c9cb"; ; "Credit cost amount calculation"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.67"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Obligation to calculate credit cost amount"; "modalities::logic::deontic"; 1.0000; . a ; "32B(4) Calculation of annual cost rate"@en; ; "a5eb5323fb24f6e52a035f2352ce537b5f1d25c275a7f0d3967065efc494db1f"; ; "Exclude government fees from credit contract amounts."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.67"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "excludes"; "Obligation to exclude fees"; "modalities::logic::deontic"; 1.0000; . a ; "32B(4A) Calculation of annual cost rate"@en; ; "bea2e7a461c065a70ff7704e51b6921aa2d927494eb346b34b7ae147fafcad65"; ; "Exemptions from calculation of annual cost rate"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.67"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "exemption"; "Exempts specified amounts from calculation"; "modalities::logic::deontic"; 1.0000; . a ; "32B(5) Calculation of annual cost rate"@en; ; "87bad3b70c2934234406872783da55149814a4f5d13ed361491db88b22f6f51c"; ; "Annual cost rate must be correct to at least the nearest one hundredth of 1% per annum."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.67"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Must be correct"; "modalities::logic::deontic"; 1.0000; . a ; "32B(6) Calculation of annual cost rate"@en; ; "f2899f26499983aa81745a54f865c8aad17f30ff48f7c51ddac14978d15d51f2"; ; "Reasonable approximations may be made in calculating annual cost rate."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.67"; . a ; ; ; ; ; . . a ; ; "may"; "Permissive clause"; "modalities::logic::deontic"; 0.5000; . a ; "32B(7) Calculation of annual cost rate"@en; ; "15c6e4ab6a6f7ba57c81151a5ca8d4e116460bbd805ee58c00b08efbebc0c200"; ; "The tolerances and assumptions under sections 180 to 182 apply to the calculation of the annual cost rate."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.67"; . a ; ; ; ; ; . . a ; ; "applies"; "The provision applies to the calculation of the annual cost rate."; "modalities::logic::deontic"; 1.0000; . a ; "32B(8) Calculation of annual cost rate"@en; ; "47b486e52973e98af6353b05978737f4f4453aadd691e21ee31fad18a1aeccb2"; ; "Debtor must pay minimum repayments and not be supplied with further goods or services or cash."; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.67"; . a ; ; ; ; "borne by: State"; ; . . a ; ; ">"; "Establishes minimum repayment obligation"; "debtor must pay minimum repayments"; "modalities::logic::deontic"; 1.0000; . a ; "14 Subsection 34(6) of the National Credit Code"@en; ; "15fab51ac674081918ba2c32c9293d065513f0171bc8ab79eecfb1dffaabf93f"; "Omit 'A statement', substitute 'In the case of a credit contract other than a small amount credit contract, a statement'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.70"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits the use of 'A statement'"; "Omit ‘A statement’"; "Substitute ‘In the case of a credit contract other than a small amount credit contract, a statement’"; "modalities::logic::deontic"; 0.5000; . . a ; ; "Temporal replacement"; "Replaces 'A statement' with 'In the case of a credit contract other than a small amount credit contract, a statement'"; "Omit ‘A statement’"; "Substitute ‘In the case of a credit contract other than a small amount credit contract, a statement’"; "modalities::interval_reasoning"; 0.5000; . . a ; ; "Temporal replacement"; "Replaces 'A statement' with 'In the case of a credit contract other than a small amount credit contract, a statement'"; "Omit ‘A statement’"; "Substitute ‘In the case of a credit contract other than a small amount credit contract, a statement’"; "modalities::temporal_ltl"; 0.5000; . . a ; ; "Temporal replacement"; "Replaces 'A statement' with 'In the case of a credit contract other than a small amount credit contract, a statement'"; "Omit ‘A statement’"; "Substitute ‘In the case of a credit contract other than a small amount credit contract, a statement’"; "modalities::diffusion"; 0.5000; . . a ; ; "Temporal replacement"; "Replaces 'A statement' with 'In the case of a credit contract other than a small amount credit contract, a statement'"; "Omit ‘A statement’"; "Substitute ‘In the case of a credit contract other than a small amount credit contract, a statement’"; "sparql_library::parsers::chk_parser"; 0.5000; . a ; "15 After Division 5 of Part 2 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after Division 5 of Part 2 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.70"; . a ; ; ; ; . a ; "39A Limit on the application of amount of credit provided under a"@en; ; "6cfbd057f240fcfc1361edb86122bbb225a9705c2d3d95d19e48d8708ea1dd08"; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.70". a ; "39A(1) Limit on the application of amount of credit provided under a"@en; ; "121745a126ea7db09d75522f643442105b42ab229daa427c80a1ea9f7231cce8"; ; "No part of the amount of credit may be applied to pay an amount to the credit provider or a person prescribed by the regulations."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.70"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits paying an amount to the credit provider or a person prescribed by the regulations."; "(1) No part of the amount of credit provided under a small amount credit contract may be applied to pay an amount (the prohibited credit amount) to:"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Prohibition"; "Prohibits paying an amount within the specified time frame."; "(1) No part of the amount of credit provided under a small amount credit contract may be applied to pay an amount (the prohibited credit amount) to:"; "modalities::interval_reasoning"; 0.5000; . . a ; ; "Temporal Prohibition"; "Prohibits paying an amount within the specified time frame."; "(1) No part of the amount of credit provided under a small amount credit contract may be applied to pay an amount (the prohibited credit amount) to:"; "modalities::temporal_ltl"; 0.5000; . . a ; ; "Prohibition"; "Diffuses the prohibition on paying an amount to the credit provider or a person prescribed by the regulations."; "(1) No part of the amount of credit provided under a small amount credit contract may be applied to pay an amount (the prohibited credit amount) to:"; "modalities::diffusion"; 0.5000; . . a ; ; "Prohibition"; "Uses cognitive AI to enforce the prohibition on paying an amount to the credit provider or a person prescribed by the regulations."; "(1) No part of the amount of credit provided under a small amount credit contract may be applied to pay an amount (the prohibited credit amount) to:"; "sparql_library::parsers::chk_parser"; 0.5000; . a ; "39A(2) Limit on the application of amount of credit provided under a"@en; ; "61a936990898a8f2cf521a30fd8a0b595e5119d2c72bfbabcd4c086f936bcb0d"; ; "Exemptions from limit on credit amount"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.70"; . a ; ; ; ; ; . . a ; ; "Permit"; "Exemptions from limit on credit amount"; "modalities::logic::deontic"; 1.0000; . . a ; ; ">"; "Temporal interval"; "None"; "None"; "modalities::interval_reasoning"; 1.0000; . a ; "39A(3) Limit on the application of amount of credit provided under a"@en; ; "7523ef44e0b61753064c2689fd33ad301337288b053616ab0d6e56baa1375f69"; ; "Debtor not liable to repay prohibited credit amount."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.70"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "implies"; "Prohibition on repayment"; "modalities::logic::deontic"; 1.0000; . a ; "39B Limit on amount that may be recovered if there is default under"@en; ; "3536cc97c229f88aac568f3b19fa2fe23c9671e9ea0bddb6d3a5c5cfb82534f3"; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.71". a ; "39B(1) Limit on amount that may be recovered if there is default under"@en; ; "8367d8d2eb78720ef16a7d40dd106f85d91f423c1944e7723eafcfc57cac411c"; ; "Maximum amount recoverable in case of default"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.71"; . a ; ; ; ; ; . . a ; ; "Prohibition"; "Limits recovery amount"; "Default in payment"; "Maximum amount recoverable"; "modalities::logic::deontic"; 1.0000; . a ; "39B(2) Limit on amount that may be recovered if there is default under"@en; ; "a12930fa14cbba2f4395174b8ba7eb772597f1aadaa9a1945cad2eb67bec9790"; ; "Limitation on amount that may be recovered if there is default under the small amount credit contract."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.71"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibition"; "Prohibits exceeding the limitation."; "modalities::logic::deontic"; 1.0000; . a ; "39B(3) Limit on amount that may be recovered if there is default under"@en; ; "976f93eb84f46e7c313b47a331ec40314f4ce82084e768b20c8e9be2707facdf"; ; "No enforcement expenses are exempt from the limit."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.71"; . a ; ; ; ; ; . . a ; ; "Exclusion"; "Exempts enforcement expenses"; "modalities::logic::deontic"; 1.0000; . a ; "39C Credit provider must do prescribed things if a default in"@en; ; "c3486db2b90b6618ec9c5151a5578335a50cbd1a3f932602c52f500c30ad1ecd"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.71". a ; "39C(1) Credit provider must do prescribed things if a default in"@en; ; "71c6aaed1d75ef871ed7a9386b6b67c498255a61f6c667f5a63674fdae671600"; ; "Credit provider must perform prescribed actions upon default in payment."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.71"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Obligation to perform actions"; "modalities::logic::deontic"; 1.0000; . a ; "39C(2) Credit provider must do prescribed things if a default in"@en; ; "427810e2aa924bc3f6b38c5095f5057c3eb57af00315042227f77d2c92393ca6"; ; "Credit provider must perform prescribed actions upon default."; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.71"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Obligation to perform actions."; "modalities::logic::deontic"; 1.0000; . a ; "16 At the end of subsection 111(1) of the National Credit"@en; ; "0aa90f26482eaf2f40f6f76a48ba93fbcfb965e262fdf980e554723d01237c96"; "Addition of subsections to Schedule 4"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.71"; . a ; ; ; ; "borne by: State"; ; . a ; "17 After paragraph 111(2)(f) of the National Credit Code"@en; ; "56e477ae1fe65be7a8a822d54de62c75d7aebb90371f10ec34625b742c6745c7"; "Insert subsections"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.72"; . a ; ; ; ; . a ; "18 Subsection 114(1) of the National Credit Code"@en; ; "cf24095330b33221484bd4a0b7c982d0eae58f47c1632e9ab686efa2fa9f4be4"; "Insertion of term in relation to credit contracts"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.72"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "insert"; "Insertion of term"; "modalities::logic::deontic"; 1.0000; . a ; "19 After subsection 114(1) of the National Credit Code"@en; ; "9e0e12c330590f319ab8852b0d07db6a0bb708b7de9b6ac8d443aafea0727d04"; "Maximum penalty for contravention of key requirement in small amount credit contract"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.72"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibition"; "Prohibits contravention of key requirement"; "Application for order in relation to small amount credit contract"; "Maximum penalty not exceeding sum of permitted establishment fee and monthly fees"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Interval"; "Defines temporal interval for maximum penalty"; "Maximum penalty not exceeding sum of permitted establishment fee and monthly fees"; "Temporal interval from application to commencement of order"; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring Trace"; "Defines recurring trace for maximum penalty"; "Maximum penalty not exceeding sum of permitted establishment fee and monthly fees"; "Recurring trace from application to commencement of order"; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Knowledge Representation"; "Represents knowledge about key requirement in small amount credit contract"; "Key requirement in relation to small amount credit contract"; "Knowledge representation of key requirement"; "sparql_library::parsers::chk_parser"; 1.0000; . . a ; ; "Validation"; "Validates key requirement against schema"; "Key requirement in relation to small amount credit contract"; "Validated key requirement"; "modalities::logic::shacl"; 1.0000; . a ; "20 Subsection 204(1) of the National Credit Code"@en; ; "8a91f63c01a3b59a209f5fc6b7085defdff086d838187e2233b2200157edb936"; "Defines adjusted credit amount in relation to a small amount credit contract."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.72"; . a ; ; ; ; "borne by: State"; ; . a ; "21 Subsection 204(1) of the National Credit Code"@en; ; "29c3c0ccd13fa160b007ccd2eab34de3b0d0b8163b0f693c0d6fe6c8bbec4174"; "Definition of annual cost rate of a credit contract"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.72"; . a ; ; ; ; . a ; "22 Subsection 204(1) of the National Credit Code"@en; ; "9ada630d762df9af7de30b4f158c1022116457c8b6d6b781f7f5aba09a91b717"; "Specify credit cost amount"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.73"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Specify credit cost amount"; "modalities::logic::deontic"; 1.0000; . a ; "22A Subsection 204(1) of the National Credit Code"@en; ; "1dbadc3443077040ceea3b4b9be36400706552e23e2778262c616f05c991cb00"; "Definition of medium amount credit contract"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.73"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligate"; "Definition of medium amount credit contract"; "modalities::logic::deontic"; 1.0000; . a ; "23 Subsection 204(1) of the National Credit Code"@en; ; "e8e8b34b02da521de4e0d4cb43e80b1288a3f0ae8923373465858c9027793f30"; "Permitted establishment fee"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.73"; . a ; ; ; ; ; . a ; "24 Subsection 204(1) of the National Credit Code"@en; ; "c2d731a957a8f3fee58e146d3b7ce9225a2588db64a8f73462401b9ad056ea37"; "Defines permitted monthly fee"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.73"; . a ; ; ; ; ; . a ; "25 Subsection 204(1) of the National Credit Code"@en; ; "b488c3abba61579dafa491ca1754c1d51f1cf0a352d47b8e1ba071185ff4ebf2"; "Prohibited credit amount"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.73"; . a ; ; ; ; ; . . a ; ; "forbid"; "Forbids a specific credit amount"; "modalities::logic::deontic"; 1.0000; . a ; "26 Subsection 204(1) of the National Credit Code"@en; ; "8bdea54ab6ecad9d2dbecd272d4e9c4d3bfff5a0ca124bba32f59b4fef238825"; "Defines 'small amount credit contract'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.74"; . a ; ; ; ; "borne by: State"; ; . a ; "27 At the end of section 204 of the National Credit Code"@en; ; "92dc112b6fd1a49cc0edc81136b277d38c8f85469e72351aa24a47681ccdb922"; "Disregard certain amounts when calculating the first amount of credit under a small amount credit contract."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.74"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Exclude"; "Exclusion"; "The fee amount must be disregarded."; "The first amount of credit is reduced by the fee amount."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Temporal overlap"; "The regulations prescribe other amounts to be disregarded."; "Other amounts are also disregarded when calculating the first amount of credit."; "modalities::interval_reasoning"; 1.0000; . a ; "1 Subsection 5(1) (definition of lessor)"@en; ; "d079a5da8e86de0701f98bb96a25d34887f59042a5b0d0c5d084853248ac4401"; "Definition of lessor"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.75"; . a ; ; ; ; ; . . a ; ; "has the same meaning as"; "Same meaning definition"; "Section 204 of the National Credit Code"; "Lessor definition"; "modalities::dl"; 1.0000; . a ; "2 Subsection 5(1) (definition of value of a credit contract,"@en; ; "9e3d363b034ab459978370ebd84328e4f9619e9dc93941cee45407a2d7d65623"; "Repeal definition of value of a credit contract"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.75"; . a ; ; ; ; ; . a ; "3 Subsection 5(1)"@en; ; "4e5d1cd0a74ee39ce45b30aaf03a103f13b99cc7dd631e29b46f0171dae1487d"; "See section 199 for definition of credit contract, mortgage, guarantee or consumer lease value."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.75"; . a ; ; ; ; ; . a ; "4 Paragraph 147(7)(b)"@en; ; "b9017027e604d5797baa2aee4ee49cdddf697397fd9e7f6872c1fb00e8c2224d"; "Substitute sections with new section numbers."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.75"; . a ; ; ; ; ; . a ; "5 Subsection 147(7) (note 1)"@en; ; "a6daf26513b7d6668d0f0ce942b385caf2260594bd63dbf513b957d7ef0eabf5"; "Replace 'Note 1' with 'Note'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.75"; . a ; ; ; ; ; . a ; "6 Subsection 147(7) (note 2)"@en; ; "beaca372fa744058df068466567e10c5a4f70e890558c42ed00e5ec5b7573727"; "Repeal a note"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.75"; . a ; ; ; ; . a ; "7 Subsection 199(2) (table items 2, 3, 6, 7, 9 and 12)"@en; ; "d01fc97e5c069ab0b49ead8522aadb817d6e3d7f32cde8c60ea1fcbf602b0e53"; "Omit specific words from a provision"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.75"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits the use of certain words"; "modalities::logic::deontic"; 1.0000; . a ; "8 Subsection 199(2) (at the end of the table)"@en; ; "0fb4464fd0b06090c1607cf49333bf170e68a6e000f81694f5872b0e67068863"; "Maximum value of consumer lease"; "$40,000 or higher amount prescribed by regulations"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.75"; . a ; ; ; ; "borne by: State"; ; . . a ; ; ">="; "Higher amount prescribed by regulations"; "modalities::logic::deontic"; 1.0000; . a ; "9 Subsection 199(3)"@en; ; "2f367148f039e94a0dc07c201c1624815223c3899cf072cbbdd91d2b36b22022"; "Omit specified terms from consumer leases"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.76"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits omitting specified terms"; "modalities::logic::deontic"; 1.0000; . a ; "10 Paragraph 200(1)(b)"@en; ; "441aa84eac179c124f0d119274cbbaab29ee0d2bb50735044770262e0ddf5b16"; "Omit certain words from a provision."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77"; . a ; ; ; ; ; . a ; "11 Subsection 76(8) of the National Credit Code"@en; ; "c0fd1f09e7c99cca6064b2c56bca50631dcd4dee12fdc0ab706ee11b5acef131"; "Repeal subsection"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77"; . a ; ; ; ; . a ; "12 Subsection 87(6) of the National Credit Code"@en; ; "c0fd1f09e7c99cca6064b2c56bca50631dcd4dee12fdc0ab706ee11b5acef131"; "Repeal subsection"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77"; . a ; ; ; ; . . a ; ; "Repeal"; "Repeal subsection"; "modalities::logic::deontic"; 1.0000; . a ; "13 Section 92 of the National Credit Code"@en; ; "117cd0ba63b627b1acef051b4b46d722e7176c853d5d1f0183c435b0c3a53756"; "Repeal section 92 of the National Credit Code."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77"; . a ; ; ; ; . . a ; ; "Repeal"; "Repeals section 92 of the National Credit Code."; "modalities::logic::deontic"; 1.0000; . a ; "14 Subsection 173(1) of the National Credit Code"@en; ; "fc61fc4a50e655d12b70c909f99174b3a8932dca19bfcf9d8128e3cad72db45b"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77". a ; "14(1) Subsection 173(1) of the National Credit Code"@en; ; "4975a10b9a97180d67c07525f280bf970678943ed9502b7330c4cfed239d77bc"; ; "Consumer lease must be in written form"; "written lease document containing required information"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Obligation to provide written lease document"; "modalities::logic::deontic"; 1.0000; . a ; "14(1A) Subsection 173(1) of the National Credit Code"@en; ; "1fee82d26ad3b91046d5247219525757cb90c7e0ac859ccb90d78f66a13b34f3"; ; "A consumer lease may consist of one or more separate documents."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77"; . a ; ; ; ; ; . . a ; ; "MUST"; "Imposes a duty on the lessor to provide separate documents."; "modalities::logic::deontic"; 1.0000; . a ; "15 After subsection 173(2) of the National Credit Code"@en; ; "70d8df0ee81870abdb14a561c850ebe8a1017c1a8d20598f17e7798dba4bce1d"; "Compliance with section requires one signed document and reference to other documents."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "requires"; "Requires compliance with section."; "modalities::logic::deontic"; 1.0000; . a ; "16 After section 173 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after section 173 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77"; . a ; ; ; ; . a ; "173A Other forms of consumer lease"@en; ; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77". a ; "173A(1) Other forms of consumer lease"@en; ; "6118f2893d7513a3295c0884f163273ff23e2bb16817c3f08e539a8a4d442921"; ; "Authorise other ways of making a consumer lease without a written document."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77"; . a ; ; ; ; ; . a ; "173A(2) Other forms of consumer lease"@en; ; "b796286b08380d1d569e0d4c34519fc2681c0492919f480cecad2cf0f8a6a697"; ; "Modifications to Division provisions"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.77"; . a ; ; ; ; . a ; "17 After section 174 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after section 174 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.78"; . a ; ; ; ; . a ; "174A Alteration of consumer lease document"@en; ; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.78". a ; "174A(1) Alteration of consumer lease document"@en; ; "8f19bd88f07427bbbb5cf3ad0770b417ee49594674c8269900af6e139c1df7ed"; ; "Lessee must agree in writing to alteration of consumer lease document."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.78"; . a ; ; ; ; ; . . a ; ; "MUST"; "Lessee must agree in writing."; "modalities::logic::deontic"; 1.0000; . a ; "174A(2) Alteration of consumer lease document"@en; ; "a2e6b954b694d4180a7287baeb54a478372be93f67bb9e79d340827f79313abc"; ; "Does not apply to alterations reducing lessee's liabilities"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.78"; . a ; ; ; ; ; . . a ; ; "!"; "Negative obligation"; "modalities::logic::deontic"; 1.0000; . a ; "18 After section 175 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after section 175 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.78"; . a ; ; ; ; . a ; "175A Prohibited consumer lease fees or charges"@en; ; "0db6ef37f5f8ca4397893be0f201774c5457e9de531ffa8d8b43ab20d8a2c3d2"; "Prohibited consumer lease fees or charges"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.78"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "forbid"; "Forbids consumer lease fees or charges"; "modalities::logic::deontic"; 1.0000; . a ; "175B Fees or charges in relation to third parties"@en; ; "73dd0c648fa572c14c1dd0cef7010b217c3b7f0347386235296c0520f63ea7fe"; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.78". a ; "175B(1) Fees or charges in relation to third parties"@en; ; "8302b212eefa12ca701a04a977aa254b326e42e9ad16bf92936aca37d709106a"; ; "Lessee must pay third party amount if lessor pays another person, body or agency."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.78"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Lessee has an obligation to pay third party amount."; "modalities::logic::deontic"; 1.0000; . a ; "175B(2) Fees or charges in relation to third parties"@en; ; "c73f1524a487c5bdac060d21c8e2e382995f3cf395672af230ce0017ee2db35e"; ; "Fee or charge must not exceed third party amount if ascertainable"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.78"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits exceeding fee or charge"; "modalities::logic::deontic"; 1.0000; . a ; "175B(3) Fees or charges in relation to third parties"@en; ; "a20cc076441a3811812f88c6e86235d489744fa02151d143cbe30d1dd52b7604"; ; "Refund difference if third party amount is less than fee or charge paid"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.78"; . a ; ; ; ; ; . . a ; ; "Must"; "Mandatory obligation"; "(a) when the fee or charge is paid by the lessee to the lessor, the third party amount is not ascertainable;"; "then the lessor must refund or credit the difference to the lessee."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Must"; "Mandatory obligation"; "(b) after the fee or charge is paid, the lessor ascertains the third party amount;"; "then the lessor must refund or credit the difference to the lessee."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Must"; "Mandatory obligation"; "(c) the third party amount is less than the amount of the fee or charge paid;"; "then the lessor must refund or credit the difference to the lessee."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Between"; "Temporal interval for refund"; "(b) after the fee or charge is paid, the lessor ascertains the third party amount;"; "the difference must be refunded within a reasonable time frame."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring"; "Recurring obligation to refund"; "(c) the third party amount is less than the amount of the fee or charge paid;"; "the difference must be refunded every time it occurs."; "modalities::temporal_ltl"; 1.0000; . a ; "175B(4) Fees or charges in relation to third parties"@en; ; "6bffc5e9e5b40725295d70ba8da621c80d2430f408880b2b979a2b476d3187c3"; ; "Determine third party amount by considering discounts and allowances received or receivable by the lessor."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.78"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "obligation"; "Obligation to determine third party amount"; "modalities::logic::deontic"; 1.0000; . a ; "175C Statements of account"@en; ; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.79". a ; "175C(1) Statements of account"@en; ; "7de4f80d6477961f69b3982c20cfcd9f66437de4e8905a5b245fe1b8bb753c79"; ; "Lessor must provide periodic statements of account to Lessee."; "True"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.79"; . a ; ; ; ; ; . . a ; ; "MUST"; "Must provide"; "modalities::logic::deontic"; 1.0000; . a ; "175C(2) Statements of account"@en; ; "fb6a8144032f921baaaf065d596a48fea859dca8ddd87fe33abed5bf9347f72f"; ; "Maximum period for a statement of account is 12 months."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.79"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "max"; "Sets maximum period"; "(2) The maximum period for a statement of account is 12 months."; "The maximum period for a statement of account is 12 months."; "modalities::logic::deontic"; 1.0000; . . a ; ; "within"; "Defines the time frame"; "(2) The maximum period for a statement of account is 12 months."; "The maximum period for a statement of account is within 12 months."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "within"; "Defines the time frame"; "(2) The maximum period for a statement of account is 12 months."; "The maximum period for a statement of account is within 12 months."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "within"; "Defines the time frame"; "(2) The maximum period for a statement of account is 12 months."; "The maximum period for a statement of account is within 12 months."; "modalities::diffusion"; 1.0000; . . a ; ; "within"; "Defines the time frame"; "(2) The maximum period for a statement of account is 12 months."; "The maximum period for a statement of account is within 12 months."; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "175C(3) Statements of account"@en; ; "890da4b362cbd2c522c5ec9e7090c7857e0026f0e5d0b9ca4f76e1ea07186c08"; ; "Lessee does not need to provide a statement of account under certain circumstances."; "No"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.79"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Lessee's obligation to provide a statement of account is waived."; "Default under the consumer lease during the statement period"; "No statement of account required"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Lessee's obligation to provide a statement of account is waived if..."; "Default under the consumer lease during the statement period"; "No statement of account required"; "modalities::interval_reasoning"; 1.0000; . . a ; ; "RecurringTrace"; "Lessee's obligation to provide a statement of account is waived if..."; "Default under the consumer lease during the statement period"; "No statement of account required"; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Diffuses"; "Lessee's obligation to provide a statement of account is waived if..."; "Default under the consumer lease during the statement period"; "No statement of account required"; "modalities::diffusion"; 1.0000; . . a ; ; "Waives"; "Lessee's obligation to provide a statement of account is waived if..."; "Default under the consumer lease during the statement period"; "No statement of account required"; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "175C(4) Statements of account"@en; ; "cf356b3e6d007f1e6013a566c075169db2685b5d910cf307e9830b3475081296"; ; "Strict liability offence for subsection (1)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.79"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "is"; "Offence"; "(4) Subsection (1)"; "offence of strict liability"; "modalities::logic::deontic"; 0.5000; . a ; "175D Information to be contained in statements of account"@en; ; "2192ad7436796341f371cd70e8d3de405527d2c24dfad280333bb56567824618"; "Must contain prescribed information in regulations."; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.80"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "MUST"; "Obligation to provide prescribed information."; "modalities::logic::deontic"; 1.0000; . a ; "175E Statement of amount owing and other matters"@en; ; , , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.80". a ; "175E(1) Statement of amount owing and other matters"@en; ; "9e29d566f6a22ef032bef1ec5e5f9660c3c38a1a1f434777ecd394d9e6aa0289"; ; "Provide statement of amounts owing and other matters to lessee upon request."; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.80"; . a ; ; ; ; ; . . a ; ; "MUST"; "Must provide statement"; "modalities::logic::deontic"; 1.0000; . a ; "175E(2) Statement of amount owing and other matters"@en; ; "5a119e9c3e48a18b622d4c732bd5648de062ab28319907ecafe45dd16f12ed47"; ; "Statement must be given within a specified timeframe."; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.80"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Must provide statement"; "modalities::logic::deontic"; 1.0000; . a ; "175E(3) Statement of amount owing and other matters"@en; ; "6fc8a136a40cee2f46fe2d9241af0c667fdac7c244f9f009c66c0baf862c767c"; ; "Statement must be given in writing if request is made in writing."; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.80"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Must be given in writing"; "modalities::logic::deontic"; 1.0000; . a ; "175E(4) Statement of amount owing and other matters"@en; ; "294585e16e918ccd35af39b71fc31054f79a5b909351670d76703d983837e390"; ; "Must provide statement to a requesting lessee, not all joint lessees."; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.80"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Must provide statement to a requesting lessee"; "modalities::logic::deontic"; 1.0000; . a ; "175E(5) Statement of amount owing and other matters"@en; ; "47a09e4f54a72eae3b277dbc237278bb00b5ecbad84c12ac40e045b9418e3853"; ; "No further written statement required if previously provided within 3 months."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.80"; . a ; ; ; ; ; . . a ; ; "Implies"; "If a statement was previously provided, then no further statement is required."; "Previous statement provided within 3 months."; "No further written statement required."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "This provision overlaps with a time interval related to the request and response."; "Request given within 3 months of previous statement."; "Time overlap between request and previous statement."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Implication"; "This provision implies a relationship between the request and the response."; "Request for written statement."; "Response to request."; "modalities::argumentation"; 1.0000; . a ; "175E(6) Statement of amount owing and other matters"@en; ; "daa6825570def917cb0edd81eabd004c77dc98d2e18f699e97fcad9a63847a94"; ; "Strict liability offence for subsection (1)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.80"; . a ; ; ; ; ; . . a ; ; "is"; "Offence classification"; "(6) Subsection (1)"; "offence of strict liability"; "modalities::logic::deontic"; 1.0000; . a ; "175F Court may order statement of account to be provided"@en; ; "1ebd6e067f95725f33f446860a8de93a9c824b83c86e535dcf189ffdefafedfd"; "Court may order statement of account to be provided if not done so within the required time."; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.80"; . a ; ; ; ; ; . . a ; ; "MAY-OBLIG"; "May be obligated to provide statement of account."; "modalities::logic::deontic"; 1.0000; . a ; "175G Disputed accounts"@en; ; , , , , , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.81". a ; "175G(1) Disputed accounts"@en; ; "bb6bcda94ef81ab17e944e0bbd075c06b7c546a31f087e485cb1cb31ffd6605e"; ; "Lessor must provide written notice explaining liability to lessee."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.81"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation"; "modalities::logic::deontic"; 1.0000; . a ; "175G(2) Disputed accounts"@en; ; "2fa434a79861f158bd9854d2d6a50b0b61a443647778baa050d4223e85ae80b2"; ; "Lessor must provide written notice of agreed liability."; "yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.81"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Must provide written notice."; "modalities::logic::deontic"; 1.0000; . a ; "175G(3) Disputed accounts"@en; ; "58a96534081f65333d69049b993f24eeafb6a00002b61f2cf315b538d4cc5361"; ; "Notice of dispute must be given to the lessor within 30 days after receiving a statement of account."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.81"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "MUST"; "Must provide notice within 30 days"; "Statement of account given to lessee"; "Notice of dispute must be given to lessor"; "modalities::logic::deontic"; 1.0000; . . a ; ; ">="; "Notice must be given within 30 days after receiving statement of account"; "Statement of account received by lessee on day X"; "Day X + 30 is later than day when notice must be given"; "modalities::interval_reasoning"; 1.0000; . . a ; ; ">="; "Notice must be given within 30 days after receiving statement of account"; "Statement of account received by lessee on day X"; "Day X + 30 is later than day when notice must be given"; "modalities::temporal_ltl"; 1.0000; . . a ; ; "MUST"; "Lessor must receive notice within 30 days"; "Notice of dispute given to lessee on day X"; "Day X + 30 is later than day when lessor receives notice"; "modalities::logic::deontic"; 1.0000; . . a ; ; "MUST"; "Lessor must respond to notice within a reasonable time after receiving it"; "Notice of dispute given to lessee on day X"; "Day X + T is later than day when lessor responds"; "modalities::logic::deontic"; 1.0000; . a ; "175G(4) Disputed accounts"@en; ; "bcb0db2f82874eec34e1ee160ea67faebdfef532581ce367f8ea171046015b68"; ; "Notice of dispute must be given to the lessor within 3 months after lease ends."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.81"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Must provide notice of dispute within 3 months after lease ends."; "modalities::logic::deontic"; 1.0000; . a ; "175G(5) Disputed accounts"@en; ; "68383639bfd875cbb69d256cf60a960efeb4323abbbc3f13337f1c2adc1bfa87"; ; "Must not begin enforcement proceedings within 30 days of written explanation or advice as to agreement."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.81"; . a ; ; ; ; ; . . a ; ; "Prohibition"; "Prohibits enforcement proceedings"; "modalities::logic::deontic"; 1.0000; . a ; "175G(6) Disputed accounts"@en; ; "18e0b1c4e21c396f13ba3dd617bd576c7d3e843b9e7d66455afae4b41dec479f"; ; "Court may determine disputed liability and make consequential orders."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.81"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "may"; "Implies obligation."; "modalities::logic::deontic"; 1.0000; . a ; "175G(7) Disputed accounts"@en; ; "14ae2d6986eb61c01f17231856691de3187e3ef3335313025b45f6ce82ab61ca"; ; "Lessor cannot begin enforcement proceedings without court leave."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.81"; . a ; ; ; ; ; . . a ; ; "cannot"; "Prohibition of action"; "modalities::logic::deontic"; 1.0000; . a ; "175G(8) Disputed accounts"@en; ; "f205d779e85701b019a9da132b0a776447a62c270655a1edc25b5a6657cb63d8"; ; "Offence of strict liability for subsections (5) and (7)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.81"; . a ; ; ; ; ; . . a ; ; "Prohibition"; "Prohibits subsections (5) and (7)"; "(8) Subsections (5) and (7) are offences of strict liability."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal relation"; "Establishes temporal relation between subsections (5) and (7)"; "(8) Subsections (5) and (7) are offences of strict liability."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring trace"; "Establishes recurring trace between subsections (5) and (7)"; "(8) Subsections (5) and (7) are offences of strict liability."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Diffusion"; "Diffuses information about subsections (5) and (7)"; "(8) Subsections (5) and (7) are offences of strict liability."; "modalities::diffusion"; 1.0000; . . a ; ; "Knowledge representation"; "Represents knowledge about subsections (5) and (7)"; "(8) Subsections (5) and (7) are offences of strict liability."; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "175G(9) Disputed accounts"@en; ; "a2d03fc786cf59c80930031e49896a60ee81bf16c96cdd2a947bdddaa6d5dbe1"; ; "Does not affect disputes not dealt with under this section."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.81"; . a ; ; ; ; ; . a ; "175H End of lease statement"@en; ; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.82". a ; "175H(1) End of lease statement"@en; ; "a4383a6c8c0efe21dd057a59b7e4b7eda54f1aefcd71e2daee75e5b8f2dab40b"; ; "Lessor must provide lessee with end of lease statement within 90 days before fixed term end."; "True"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.82"; . a ; ; ; ; ; . . a ; ; "MUST"; "Must provide"; "modalities::logic::deontic"; 1.0000; . a ; "175H(2) End of lease statement"@en; ; "5ffa168181a463909a9f73573835247d162bc77af23d4ef7498ca43e1c50aa3d"; ; "Exemption from subsection (1) under certain circumstances."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.82"; . a ; ; ; ; ; . a ; "175H(3) End of lease statement"@en; ; "0f24364f2e697e15c9985897535bf6788384d08c69ea05b2358f0d4b19b2afb3"; ; "Strict liability offence for non-compliance with subsection (1)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.82"; . a ; ; ; ; "borne by: State"; ; . a ; "175J Changes etc. under consumer leases"@en; ; "0c5079fa53467ae0abfa2490c53a809b2160b9ba91dc60d2e18eb0f6b5268bcd"; "Change, deferral, waiver, or postponement of an existing consumer lease is not treated as creating a new consumer lease."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.82"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Implies"; "Change, deferral, waiver, or postponement is made in accordance with this Code."; "The change, deferral, waiver, or postponement is not to be treated as creating a new consumer lease."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Change, deferral, waiver, or postponement occurs within an existing consumer lease."; "(a) there is a change to an existing consumer lease that results in further goods being provided; or (b) the change, deferral, waiver or postponement is made in accordance with this Code or the existing consumer lease;"; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Repeats"; "Change, deferral, waiver, or postponement occurs repeatedly."; "(iii) a postponement relating to an existing consumer lease;"; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Recognizes"; "Change, deferral, waiver, or postponement is recognized as part of the consumer lease."; "then the change, deferral, waiver or postponement is not to be treated as creating a new consumer lease or a credit contract for the purposes of this Code."; "sparql_library::parsers::chk_parser"; 1.0000; . . a ; ; "Validates"; "Change, deferral, waiver, or postponement conforms to the relevant rules."; "ComLaw Authoritative Act C2012A00130"; "modalities::logic::shacl"; 1.0000; . a ; "177A Changes by agreement"@en; ; , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.83". a ; "177A(1) Changes by agreement"@en; ; "e9a45a8d706dd1c7a49abd5448ffef9622aec8cbabdbb8485fd01d1452dec13b"; ; "Lessor must provide written notice of changes to consumer lease terms within 30 days."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.83"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to provide written notice"; "modalities::logic::deontic"; 1.0000; . a ; "177A(2) Changes by agreement"@en; ; "7b9ea42dbd5c5fe028d012a8524846dee000ff5696686ca484b1908c649d762f"; ; "Exempts lessee from obligations for up to 90 days"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.83"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Imposes obligation on the State"; "modalities::logic::deontic"; 1.0000; . a ; "177A(3) Changes by agreement"@en; ; "045832f40416647982e6e8cef3c40b0e9a2cbf58ef50e721ba5e949d9ffb8b85"; ; "Section does not apply to a change made under Subdivision B."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.83"; . a ; ; ; ; ; . . a ; ; "Exclusion"; "Section excludes certain changes"; "Subdivision B"; "Section does not apply"; "modalities::logic::deontic"; 1.0000; . a ; "177A(4) Changes by agreement"@en; ; "4c5a1f89867c3eec54f1648b4c9c48d29b13bf98bf0f4bfce7ef2c14491be8c9"; ; "The lessee must be informed of changes to the terms and conditions."; "Information about changes to the terms and conditions"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.83"; . a ; ; ; ; ; . . a ; ; "Obligation"; "The lessee has an obligation to be informed of changes."; "modalities::logic::deontic"; 1.0000; . a ; "177A(5) Changes by agreement"@en; ; "01db75315a4bbe9e4b2a9305cbbca14cfe6c346d233416aec7c05ae01f4e7726"; ; "Offence of strict liability for subsection (1)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.83"; . a ; ; ; ; "borne by: State"; ; . a ; "177B Changes on grounds of hardship"@en; ; "c0f6c0d8bd940484a4edc9dc975619cae46fe9ba3f817b37c0a2436d40ae97f5"; , , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.84". a ; "177B(1) Changes on grounds of hardship"@en; ; "a1f58bda3e55ac7dc6e788aee45e30051802934461f43632ed1503486f92692a"; ; "Lessee must provide notice of inability to meet obligations under consumer lease."; "hardship notice"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.84"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to provide hardship notice"; "modalities::logic::deontic"; 1.0000; . a ; "177B(2) Changes on grounds of hardship"@en; ; "07d847afef677442ccbdcdf2465baa03b286aa48893d87255082ac6e1786be4f"; ; "Lessor must request lessee to provide specified information within 21 days."; "true"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.84"; . a ; ; ; ; ; . . a ; ; "obligation"; "Lessor has an obligation to request lessee information."; "modalities::logic::deontic"; 1.0000; . a ; "177B(3) Changes on grounds of hardship"@en; ; "bee39213b1f9549982035aa8744fbe22791a01da930a1cf9ae182759df0aa55a"; ; "Lessee must comply with the requirement."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.84"; . a ; ; ; ; ; . . a ; ; "MUST"; "Must comply"; "modalities::logic::deontic"; 1.0000; . a ; "177B(4) Changes on grounds of hardship"@en; ; "ef2e47a122493a9cee23fb2b865bc4f808347ea1d9443fbd8d60895228ad96bc"; ; "Notice to lessee of change in consumer lease agreement"; "Notice in prescribed form with specified information"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.84"; . a ; ; ; ; ; . . a ; ; "MUST"; "Lessor must provide notice"; "modalities::logic::deontic"; 1.0000; . a ; "177B(5) Changes on grounds of hardship"@en; ; "6115af4301de41cd652d9c79c16ca1db5cfef3904ac920e5205e37994caa15da"; ; "The lessor must give notice within a specified period."; "Notice"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.84"; . a ; ; ; ; ; . . a ; ; "MUST"; "The lessor must give notice."; "modalities::logic::deontic"; 1.0000; . a ; "177B(6) Changes on grounds of hardship"@en; ; "33f420877088c2afea9e2994573a04ede7ab328f09cd0d9640672fe4377cf59a"; ; "Allow regulations to modify references in subsections (2) and (5)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.84"; . a ; ; ; ; ; . a ; "177C Notice of change"@en; ; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.85". a ; "177C(1) Notice of change"@en; ; "90ceb5e0d978e2de329b00d8348d791a454b2c873a4958eeeb6e87a90c40bb9b"; ; "Lessor must provide written notice to lessee within 30 days of agreement change."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.85"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to provide notice"; "modalities::logic::deontic"; 1.0000; . . a ; ; "within"; "Notice must be given within 30 days after agreement date"; "not later than 30 days after the date of the agreement"; "modalities::interval_reasoning"; 1.0000; . a ; "177C(2) Notice of change"@en; ; "afa99df0b109bee3aaea6fe7ebccf7afb9810e76df7266c7ca0dafa0f103e066"; ; "Lessor must inform lessee of changes to terms and conditions."; "Particulars of the change"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.85"; . a ; ; ; ; ; . . a ; ; "MUST"; "Lessor must inform lessee"; "Change to terms and conditions"; "Inform lessee of change"; "modalities::logic::deontic"; 1.0000; . a ; "177C(3) Notice of change"@en; ; "0f24364f2e697e15c9985897535bf6788384d08c69ea05b2358f0d4b19b2afb3"; ; "Notice of change is an offence of strict liability."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.85"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "is"; "Strict liability"; "(3) Subsection (1)"; "offence of strict liability"; "modalities::logic::deontic"; 1.0000; . a ; "177D Changes by court"@en; ; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.86". a ; "177D(1) Changes by court"@en; ; "cbc6b4d8eb2c00bc560b6abfa34f7c2496be81e8eea2092e716b442e6df16c52"; ; "Lessee may apply to court for lease term changes if lessor does not comply with hardship notice."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.86"; . a ; ; ; ; ; . . a ; ; "May"; "Lessee has the right to apply for court intervention."; "modalities::logic::deontic"; 1.0000; . a ; "177D(2) Changes by court"@en; ; "56902955495be37ae947ab3ef23a498b3ce5edbf635ca31626eed1cbc032ffd7"; ; "Court may change lease after hearing"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.86"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "May"; "Court obligation to change lease"; "modalities::logic::deontic"; 1.0000; . a ; "177D(3) Changes by court"@en; ; "47d2a91d70e8872a1e8a006a3d1fca7a192362e1caa253f2adeb0abddeb74c2c"; ; "Court may stay enforcement proceedings under the lease until application is determined."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.86"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "may"; "Court may perform action"; "modalities::logic::deontic"; 0.5000; . a ; "177E Lessor may apply for variation of change"@en; ; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.86". a ; "177E(1) Lessor may apply for variation of change"@en; ; "bcd6c57973ab38fd8026f5d989db52fe8a4d01b8f8ce0d32f9c3cb14e58b3763"; ; "Lessor may apply for variation of change"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.86"; . a ; ; ; ; ; . . a ; ; "May"; "Permission to apply for variation"; "modalities::logic::deontic"; 1.0000; . a ; "177E(2) Lessor may apply for variation of change"@en; ; "9f6f28708e969df09730590ed14e09c3dcbe9e73554de282190d3e1744b12b47"; ; "May apply for variation of stay or order"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.86"; . a ; ; ; ; ; . . a ; ; "Can"; "Lessor can apply for variation"; "modalities::logic::deontic"; 1.0000; . a ; "177E(3) Lessor may apply for variation of change"@en; ; "304cf54273e5aff810db2209b665888d194ae8391a62340ebcf012fa0afecd36"; ; "Court may vary or revoke order or stay on application"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.86"; . a ; ; ; ; ; . . a ; ; "may"; "May vary or revoke order or stay"; "modalities::logic::deontic"; 1.0000; . . a ; ; "¬"; "Negation of refusal to apply"; "modalities::linear"; 1.0000; . a ; "177F Court may reopen unjust transactions"@en; ; "a6c281d25eb420fa25e0f0fffd17a124271af5ca8c171cd85f3681d3797e63df"; , , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.87". a ; "177F(1) Court may reopen unjust transactions"@en; ; "d3f50e0bb948f08ef15d565f96c705a1049e0afe40d5bbbc353026edf9eca339"; ; "Court may reopen unjust transactions"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.87"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "may"; "Implies obligation"; "modalities::logic::deontic"; 1.0000; . a ; "177F(2) Court may reopen unjust transactions"@en; ; "c3875f21cd73217997eaa448e0200c1c91da6725cdb2b44a39ffe0dfc095fbdc"; ; "Court must consider various factors when determining whether a consumer lease term is unjust."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.87"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Court must consider various factors."; "The court is to have regard to the public interest and all the circumstances of the case."; "The court MUST consider the specified factors."; "modalities::logic::deontic"; 1.0000; . . a ; ; "MUST"; "Court must consider public interest and circumstances of the case."; "The court is to have regard to the public interest and all the circumstances of the case."; "The court MUST consider the public interest and circumstances of the case."; "modalities::logic::deontic"; 1.0000; . . a ; ; "MUST"; "Court must protect lessee's interests."; "The court is to have regard to all the circumstances of the case."; "The court MUST protect the legitimate interests of a party to the lease."; "modalities::logic::deontic"; 1.0000; . . a ; ; "MUST"; "Court must ensure lessee understands transaction implications."; "The lessor took measures to ensure that the lessee understood the nature and implications of the transaction."; "The court MUST ensure the lessee understood the nature and implications of the transaction."; "modalities::logic::deontic"; 1.0000; . . a ; ; "MUST"; "Court must consider lessor's knowledge about lessee's ability to pay."; "The lessor knew, or could have ascertained by reasonable inquiry at the time, that the lessee could not pay in accordance with its terms."; "The court MUST consider whether the lessor knew, or could have ascertained by reasonable inquiry at the time, that the lessee could not pay in accordance with its terms."; "modalities::logic::deontic"; 1.0000; . a ; "177F(3) Court may reopen unjust transactions"@en; ; "4372531fb5f4ca9875b8277162fab2e8d12612b4687a4262af0074a7ffadedc8"; ; "A person is taken to have represented a lessee if they assisted the lessee in negotiations."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.87"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Obligation to assist a lessee in negotiations."; "The person assisted the lessee."; "The person is taken to have represented the lessee."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Assistance in negotiations implies representation of a lessee at some point."; "The person assisted the lessee."; "The person is taken to have represented the lessee."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurrently"; "Assistance in negotiations implies representation of a lessee repeatedly."; "The person assisted the lessee."; "The person is taken to have represented the lessee."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Permission"; "No permission is required for assistance in negotiations."; "The person assisted the lessee."; "The person is taken to have represented the lessee."; "modalities::logic::deontic"; 1.0000; . a ; "177F(4) Court may reopen unjust transactions"@en; ; "34dde8406029b418b10de4434c8a6c863969b930e3084893c4c699a882d3fab2"; ; "Court must consider unforeseeable circumstances when determining unjust consumer leases."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.87"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Must"; "Obligation to consider unforeseeable circumstances"; "modalities::logic::deontic"; 1.0000; . a ; "177F(5) Court may reopen unjust transactions"@en; ; "8b1a64534466b2afa9ea595fc639b6552de1d6eac589394f04b2003b3987a330"; ; "Court may consider conduct of parties in determining unjust lease relief."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.87"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "consider"; "Obligation to consider conduct of parties"; "Court may grant relief in respect of a consumer lease"; "Court must consider conduct of parties"; "modalities::logic::deontic"; 0.5000; . . a ; ; "since it was entered into or changed"; "Allen interval for lease duration"; "Court may have regard to the conduct of the parties since it was entered into or changed"; "The court has regard to the conduct of the parties since it was entered into or changed"; "modalities::interval_reasoning"; 0.5000; . . a ; ; "in relation to the lease"; "Linear temporal logic for lease duration"; "Court may have regard to the conduct of the parties in relation to the lease"; "The court has regard to the conduct of the parties in relation to the lease"; "modalities::temporal_ltl"; 0.5000; . . a ; ; "in determining whether to grant relief"; "Diffusion logic for unjust lease determination"; "Court may have regard to the conduct of the parties in determining whether to grant relief"; "The court has regard to the conduct of the parties in determining whether to grant relief"; "modalities::diffusion"; 0.5000; . . a ; ; "in respect of a consumer lease that it finds to be unjust"; "CogAI logic for unjust lease determination"; "Court may have regard to the conduct of the parties in relation to the lease since it was entered into or changed"; "The court has regard to the conduct of the parties in relation to the lease since it was entered into or changed"; "sparql_library::parsers::chk_parser"; 0.5000; . a ; "177F(6) Court may reopen unjust transactions"@en; ; "79a56a2e450f32c02060a854a31ab27210d38de165e994136946692d18d7f88a"; ; "This section does not apply to a change to a consumer lease under this Subdivision."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.87"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "excludes"; "Exclusion of certain cases"; "This section does not apply to a change to a consumer lease under this Subdivision."; "modalities::logic::deontic"; 1.0000; . a ; "177G Orders on reopening of transactions"@en; ; "ef3d7f44e04e3aed1c6144c376eeaf2882980098d2740ce9b860fb63265e6787"; "Court may reopen a transaction and perform certain actions despite settlement or agreement."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.89"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "can"; "Court can reopen a transaction and perform certain actions."; "modalities::logic::deontic"; 1.0000; . a ; "177H Applications by ASIC"@en; ; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.89". a ; "177H(1) Applications by ASIC"@en; ; "aa33583867e29002065de61e50a9260a7d1889d166f6bd5e154246ccaafe2911"; ; "Application under this Subdivision if in public interest"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.89"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Obligation to make an application"; "ASIC considers it is in the public interest"; "Make an application under this Subdivision"; "modalities::logic::deontic"; 1.0000; . a ; "177H(2) Applications by ASIC"@en; ; "110fd270ef6c47f543c418b42de2e3a7c3877d76530a5184f14f85a14f363ee4"; ; "Standing to represent the public interest"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.89"; . a ; ; ; ; ; . . a ; ; "has"; "Representation of public interest"; "modalities::logic::deontic"; 1.0000; . a ; "177H(3) Applications by ASIC"@en; ; "069df7a9e68138fe95b6575e3b186b41e5166b92802bc921ad33e1953eda7e51"; ; "Application may apply to any one or more consumer leases."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.89"; . a ; ; ; ; ; . . a ; ; "May"; "Permission to apply"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Classify"; "Classification of consumer leases"; "modalities::dl"; 1.0000; . a ; "177J Time limit"@en; ; "be044b929652fec0f448df27a0277dd6e0d192fb735697d70ff0327f60cace1a"; "No application can be brought more than 2 years after the relevant consumer lease ends."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.90"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Cannot"; "No application can be brought"; "Application must be brought within 2 years"; "modalities::logic::deontic"; 1.0000; . a ; "177K Joinder of parties"@en; ; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.90". a ; "177K(1) Joinder of parties"@en; ; "6905c32d990d68a6dcf876e7464a96e5f465a40a99dfbf91ad12337ecb16f373"; ; "Court may order third party to share in profits of unjust consumer lease."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.90"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "may"; "Implies obligation"; "modalities::logic::deontic"; 1.0000; . a ; "177K(2) Joinder of parties"@en; ; "ffe766f3ceb2b168cea8680d305f6e59c7741fac3e53e7fb145f7df6bcb7624d"; ; "Court must join third party and give opportunity to appear and be heard."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.90"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Obligation"; "(2) However, before making an order about the third party..."; "The court MUST join the third party and give the third party an opportunity to appear and be heard."; "modalities::logic::deontic"; 1.0000; . . a ; ; "CONTAINS"; "Temporal interval of obligation"; "(2) However, before making an order about the third party..."; "The court's obligation is contained within the temporal interval from the commencement of proceedings to the completion of proceedings."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "CONTAINS"; "Temporal trace of obligation"; "(2) However, before making an order about the third party..."; "The court's obligation is contained within a temporal trace from the commencement of proceedings to the completion of proceedings."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "MUST"; "Obligation on state"; "(2) However, before making an order about the third party..."; "The State MUST join the third party and give the third party an opportunity to appear and be heard."; "modalities::logic::deontic"; 1.0000; . . a ; ; "MUST"; "Obligation on court"; "(2) However, before making an order about the third party..."; "The Court MUST join the third party and give the third party an opportunity to appear and be heard."; "modalities::logic::deontic"; 1.0000; . a ; "19 Section 176 of the National Credit Code"@en; ; "117cd0ba63b627b1acef051b4b46d722e7176c853d5d1f0183c435b0c3a53756"; "Repeal section 176 of the National Credit Code."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.90"; . a ; ; ; ; . . a ; ; "Repeal"; "Repeals section 176."; "modalities::logic::deontic"; 1.0000; . a ; "20 Division 3 of Part 11 of the National Credit Code (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.90"; . a ; ; ; ; . . a ; ; "Applicable"; "Temporal interval for repeal"; "Repeal heading"; "on a specific date or at a specific time"; "modalities::interval_reasoning"; 1.0000; . a ; "21 Section 177 of the National Credit Code"@en; ; "117cd0ba63b627b1acef051b4b46d722e7176c853d5d1f0183c435b0c3a53756"; "Repeal section"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.90"; . a ; ; ; ; . a ; "22 After section 178 of the National Credit Code"@en; ; "5e7a181b0ec19c1f7471c79db06d1f30c58bb31a3186900e068e1808141c5bee"; "Termination of consumer lease by lessee"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.90"; . a ; ; ; ; ; . a ; "178A Termination before goods have been provided"@en; ; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91". a ; "178A(1) Termination before goods have been provided"@en; ; "4a807c493d30ad4613f6705d8463bce77d39d24019687eb898e49a98520da64a"; ; "Lessee may terminate lease by written notice if goods not provided."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91"; . a ; ; ; ; ; . . a ; ; "may"; "Lessee may terminate lease."; "modalities::logic::deontic"; 1.0000; . a ; "178A(2) Termination before goods have been provided"@en; ; "3055d417495f2911579ed5de6980818567a0d0e0f5337d71a41bb19303e12024"; ; "Lessor may retain or require payment of fees incurred before termination."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91"; . a ; ; ; ; ; . . a ; ; "May"; "Expresses a permission or obligation."; "modalities::logic::deontic"; 1.0000; . a ; "23 Section 179 of the National Credit Code (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91"; . a ; ; ; ; . a ; "179 Termination after goods have been provided"@en; ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91"; . a ; ; ; ; . a ; "24 After section 179 of the National Credit Code"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after section 179 of the National Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91"; . a ; ; ; ; . a ; "179A Statement of amount payable on termination"@en; ; , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91". a ; "179A(1) Statement of amount payable on termination"@en; ; "52dcbbadba4d8f4aa3a45072a5e8e1b89d33be75930c1267c6a3a65bb4eb6662"; ; "Provide written statement of termination amount upon request"; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to provide written statement"; "modalities::logic::deontic"; 1.0000; . a ; "179A(2) Statement of amount payable on termination"@en; ; "090c25889c66c1f49aebeb14e97ad1157b9de701b085ab5e4cb4907cd971d418"; ; "Statement of amount payable on termination"; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Must provide statement"; "(2) The statement must also contain..."; "modalities::logic::deontic"; 1.0000; . a ; "179A(3) Statement of amount payable on termination"@en; ; "358a750d46b6a0177268a9e9c7e03534c13af007b96dd2d1ec5148414e963e35"; ; "Lessor must provide a statement within 7 days after request."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91"; . a ; ; ; ; ; . . a ; ; "MUST"; "Must provide a statement"; "modalities::logic::deontic"; 1.0000; . a ; "179A(4) Statement of amount payable on termination"@en; ; "5d2e382e5ebae3f7baf2ce8d8bc824fd4874d0b0c33c608c5ee774f9ae0f5143"; ; "Joint lessees do not need to be informed of the statement if one requests it."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Joint lessees have an obligation to inform each other of the statement."; "modalities::logic::deontic"; 1.0000; . a ; "179A(5) Statement of amount payable on termination"@en; ; "fddac2977e21df78466040087319e2f2abcc39125fb97f29c33410e6fb9c3c52"; ; "Offence of strict liability"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.91"; . a ; ; ; ; ; . . a ; ; "Prohibition"; "Strict liability offence"; "(5) Subsection (3)"; "modalities::logic::deontic"; 1.0000; . a ; "179B Court may determine amount payable on termination if lessor"@en; ; "0320fb3682ad23a28a13fb4a3ca2bac2013708853b1c299d72b6a1703ffece5a"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.92". a ; "179B(1) Court may determine amount payable on termination if lessor"@en; ; "64a9232b1831ccde66e443db40e575939f4492f9ab9d4d9bcd1a9df81459473b"; ; "Court may determine amount payable on termination if lessor fails to provide statement."; "Statement of the amount payable to terminate a consumer lease"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.92"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "obligation"; "Lessor has an obligation to provide statement."; "modalities::logic::deontic"; 1.0000; . a ; "179B(2) Court may determine amount payable on termination if lessor"@en; ; "19387da8c3824c834057e6d463b4c5e024d45e5d4d6e0137f64d91d1a8cb0968"; ; "Consumer lease discharge upon return of goods and payment within applicable period"; "Goods returned, amount tendered"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.92"; . a ; ; ; ; ; . . a ; ; "OBLIGES"; "Imposes duty on lessor to accept return and payment"; "modalities::logic::deontic"; 1.0000; . a ; "179C One-off notice to be given the first time a direct debit default"@en; ; "ff62989ee65e826beb299bec384dbe5b3558db32dd724a75ee85ccbac9325cb0"; , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.92". a ; "179C(1) One-off notice to be given the first time a direct debit default"@en; ; "8ece53828caacc0f45231ac159a2e35d97287daafd6929763cc37b579db59ade"; ; "Lessee must provide notice when direct debit default occurs for the first time."; "Notice"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.92"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Lessee has an obligation to provide notice."; "modalities::logic::deontic"; 1.0000; . a ; "179C(2) One-off notice to be given the first time a direct debit default"@en; ; "82fcdd1a5e4c2e257834f9f75d2f81137c492b390d4e629ced0b27b3d4dd87bf"; ; "Notice to be given upon default"; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.92"; . a ; ; ; ; ; . . a ; ; "OBLIGATION"; "Lessor must give notice"; "modalities::logic::deontic"; 1.0000; . a ; "179C(3) One-off notice to be given the first time a direct debit default"@en; ; "5675eb39d40e315c8c97a462dcabedf725b3d3364fa65ed1ec3438165cbf40e8"; ; "Notice must contain prescribed information."; "Yes"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.92"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Obligation to provide notice"; "modalities::logic::deontic"; 1.0000; . a ; "179C(4) One-off notice to be given the first time a direct debit default"@en; ; "23a5a82038f7f374f54467af54be85849d7d209578fd272e95082820791d4da2"; ; "Offence of strict liability for subsection (2)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.92"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "is"; "Strict liability"; "(4) Subsection (2)"; "Offence of strict liability"; "modalities::logic::deontic"; 1.0000; . a ; "179C(5) One-off notice to be given the first time a direct debit default"@en; ; "da71caad3e8f0d3047218d3c079ba2ce18af71eab9dd7870c5101a175987933f"; ; "Notice to be given in case of direct debit default"; "Notice"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.92"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Obligation to provide notice"; "Notice must be given"; "modalities::logic::deontic"; 1.0000; . a ; "179D Requirements to be met before lessor can enforce consumer"@en; ; "863044edf05ff92a6ccda73d435a4f9a8e82a02f0f66682a046be4994c42f8a7"; , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.93". a ; "179D(1) Requirements to be met before lessor can enforce consumer"@en; ; "88bdcf03607ff2e4f8e994a382912bcc81a0eb5c499dd4bd0a8b3612c7b93d23"; ; "Lessor cannot begin enforcement proceedings against lessee unless certain conditions are met."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.93"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibition of enforcement proceedings"; "Lessor must not begin enforcement proceedings"; "unless certain conditions are met"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Interval"; "Temporal interval of 30 days for lessee to remedy default"; "Lessor must give lessee a default notice allowing at least 30 days to remedy the default"; "and the default has not been remedied within that period"; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Implication"; "Enforcement proceedings are contingent on lessee's ability to remedy default"; "Lessor must give lessee a default notice allowing at least 30 days to remedy the default"; "and the default has not been remedied within that period"; "modalities::argumentation"; 1.0000; . . a ; ; "Propagation"; "Default notice requirements propagate to enforcement proceedings"; "Lessor must comply with this section when giving lessee a default notice"; "and the lessor has given the lessee a default notice, complying with this section"; "modalities::diffusion"; 1.0000; . . a ; ; "Knowledge Representation"; "Lessee's default is represented as a condition for enforcement proceedings"; "Lessees are in default under the lease"; "and have not been remedied within the given period"; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "179D(2) Requirements to be met before lessor can enforce consumer"@en; ; "6c95c4375218b07e3337f3ff75e9db38d5f0872ac11c9254b0880e085fc6dbda"; ; "Default notice requirements"; "Default notice content"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.93"; . a ; ; ; ; ; . . a ; ; "MUST"; "Must provide default notice content"; "(2) A default notice must contain..."; "modalities::logic::deontic"; 1.0000; . a ; "179D(3) Requirements to be met before lessor can enforce consumer"@en; ; "079126a8e6197bc4b95c15ebdb0c965170616eed70bb5e6c96adac0586d17715"; ; "Lessor's obligations when enforcing consumer lease"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.93"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Lessor's obligations when enforcing consumer lease"; "modalities::logic::deontic"; 1.0000; . a ; "179D(4) Requirements to be met before lessor can enforce consumer"@en; ; "b68a323e707390e00ccc7c417c91325870a0df8bae01688709688c9a2b2b0988"; ; "Lessor may not enforce consumer default without remediation attempt"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.93"; . a ; ; ; ; ; . . a ; ; "Prohibition"; "Prohibits enforcement of consumer default without remediation attempt"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Implication"; "Enforcement is contingent on remediation attempt"; "(4) If the lessor reasonably believes that a default is not capable of being remedied:"; "modalities::linear"; 1.0000; . . a ; ; ">="; "Enforcement proceedings start after 30-day notice period"; "(b) the lessor may begin the enforcement proceedings after the period of 30 days from the date of the notice."; "modalities::interval_reasoning"; 1.0000; . . a ; ; ">="; "Enforcement is contingent on remediation attempt and 30-day notice period"; "(4) If the lessor reasonably believes that a default is not capable of being remedied:"; "modalities::temporal_ltl"; 1.0000; . a ; "179D(5) Requirements to be met before lessor can enforce consumer"@en; ; "8e679c3f978ea371cc26b32102d890357c1575eecc0c26594fee404694ac2a17"; ; "Offence of strict liability for non-compliance with subsection (1)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.93"; . a ; ; ; ; "borne by: State"; ; . a ; "179E Defaults may be remedied"@en; ; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.95". a ; "179E(1) Defaults may be remedied"@en; ; "38deff6cb53e8654755eaf5476756178ad8a400685a2702eccd342777587093f"; ; "Remedy default within specified period to reinstate lease"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.95"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Lessor's obligation to take action upon default"; "Default notice states intention to take action"; "Lessee may remedy default"; "modalities::logic::deontic"; 1.0000; . a ; "179E(2) Defaults may be remedied"@en; ; "80ad2af31978694e22d804e2f1462164dc3951e8e31ba18f208b60327e160c0d"; ; "Lessee does not remedy default if in default under the consumer lease"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.95"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "does not"; "Lessee does not remedy default"; "Default must be remedied"; "Remediation is not required"; "modalities::logic::deontic"; 1.0000; . a ; "179F Effect of hardship notices on enforcement"@en; ; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.95". a ; "179F(1) Effect of hardship notices on enforcement"@en; ; "bda3f225a3e5dd5f612ed6a27727c8e9c90b2acdd3e1407d084caffba3cae208"; ; "Lessor must give default notice under section 179D before beginning enforcement proceedings if lessee gives hardship notice under section 177B."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.95"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Lessor must give default notice under section 179D before beginning enforcement proceedings."; "modalities::logic::deontic"; 1.0000; . a ; "179F(2) Effect of hardship notices on enforcement"@en; ; "f3a6946f728a0b3f5b859e45bdfe2e5f670d121b5fa7ddc36f17038a76fd3c0e"; ; "Lessor must not begin enforcement proceedings without notice and 14-day waiting period."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.95"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibition of enforcement proceedings"; "Lessor must give lessee notice and waiting period"; "Enforcement proceedings are prohibited"; "modalities::logic::deontic"; 1.0000; . a ; "179F(3) Effect of hardship notices on enforcement"@en; ; "2c6b3cc16c64b3d22bc87c20aae3883be235a130dd114734bd65c58a312259e4"; ; "Lessor may not refuse to take possession of goods if lessor reasonably believes lessee has removed or disposed of the goods or urgent action is necessary to protect the goods."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.95"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibition of refusal to take possession"; "Lessor may not refuse to take possession"; "unless reasonable grounds exist"; "modalities::logic::deontic"; 1.0000; . a ; "179F(4) Effect of hardship notices on enforcement"@en; ; "23a5a82038f7f374f54467af54be85849d7d209578fd272e95082820791d4da2"; ; "Strict liability offence for non-compliance with hardship notices."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.95"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibition"; "Prohibits non-compliance with hardship notices."; "(4) Subsection (2) is an offence of strict liability."; "Subsection (2) is a prohibited act."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Obligation"; "Imposes obligation to comply with hardship notices."; "(4) Subsection (2) is an offence of strict liability."; "There is an obligation to comply with hardship notices."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Non-compliance with hardship notices overlaps with the temporal interval of the offence."; "(4) Subsection (2) is an offence of strict liability."; "The temporal interval of the offence overlaps with non-compliance with hardship notices."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Repeats"; "Non-compliance with hardship notices repeats in the context of the offence."; "(4) Subsection (2) is an offence of strict liability."; "Non-compliance with hardship notices repeats in the context of the offence."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Obligation"; "Imposes obligation to report non-compliance with hardship notices."; "(4) Subsection (2) is an offence of strict liability."; "There is an obligation to report non-compliance with hardship notices."; "modalities::logic::deontic"; 1.0000; . a ; "179G Requirements to be met before lessor can enforce an"@en; ; "7b14773999506ad5295dc6591939a5e61b6d6589e4a35a693eeb99540473ae8e"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.96". a ; "179G(1) Requirements to be met before lessor can enforce an"@en; ; "ef12cf88edb08d8f68acbe2e00a1988bfa11b7187f3fc0568909d912943bf478"; ; "Acceleration clause can only operate if lessee is in default, lessor has given notice, and default cannot be remedied."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.96"; . a ; ; ; ; ; . . a ; ; "canOnly"; "Acceleration clause can only operate under specific conditions."; "(a) the lessee is in default under the lease; and (b) the lessor has given to the lessee a default notice under section 179D;"; "(1) An acceleration clause of a consumer lease is to operate only if:..."; "modalities::logic::deontic"; 1.0000; . . a ; ; "during"; "The text specifies a time period during which the default must be remedied."; "(d) the default has not been remedied within the period specified in the default notice (unless the lessor reasonably believes that the default is not capable of being remedied)."; "...(unless the lessor reasonably believes that the default is not capable of being remedied)."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "during"; "The text specifies a time period during which the default must be remedied."; "(d) the default has not been remedied within the period specified in the default notice (unless the lessor reasonably believes that the default is not capable of being remedied)."; "...(unless the lessor reasonably believes that the default is not capable of being remedied)."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "must"; "The text specifies a condition for the operation of an acceleration clause."; "(a) the lessee is in default under the lease; and (b) the lessor has given to the lessee a default notice under section 179D;"; "...and (c) the default notice contains an additional statement of:..."; "modalities::logic::deontic"; 1.0000; . . a ; ; "must"; "The text specifies a condition for the operation of an acceleration clause."; "(i) the manner in which the liabilities of the lessee under the consumer lease would be affected by the operation of the acceleration clause; and (ii) the amount required to terminate the lease (as accelerated);"; "...and (c) the default notice contains an additional statement of:..."; "modalities::logic::deontic"; 1.0000; . a ; "179G(2) Requirements to be met before lessor can enforce an"@en; ; "747434c7c4e15a965f89a0a89cf95cf0aa8e20d0b1911c90b9c28a9be53c9287"; ; "Lessor is not required to give a default notice under section 179D or wait until the period specified in the default notice has elapsed before bringing an acceleration clause into operation."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.96"; . a ; ; ; ; ; . . a ; ; "Permission"; "Lessor is not required to give a default notice"; "section 179D"; "Obligation"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Belief"; "Lessor reasonably believes"; "fraud on the part of the lessee"; "Obligation"; "modalities::epistemic"; 1.0000; . a ; "179H Postponement of exercise of rights"@en; ; "6ed296716a851f41931f6a4d4b89da8c694259e6f0a4163408ff9f5d3dbc97ca"; , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.97". a ; "179H(1) Postponement of exercise of rights"@en; ; "790d52fcf1c85712e2e1bf43b4feb374895747357d511f0a04f5c1307e0ccecd"; ; "Request for postponement of enforcement proceedings, actions under proceedings, or acceleration clause operation."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.97"; . a ; ; ; ; "borne by: NaturalPerson"; ; . . a ; ; "May"; "Permission to request postponement"; "modalities::logic::deontic"; 1.0000; . a ; "179H(2) Postponement of exercise of rights"@en; ; "b386da93d84d81f66f55491a0628c4a2fb951600e5c9777ee9d73b4f4d2e6d8b"; ; "Lessor must provide written notice within 21 days of receiving postponement request."; "written notice"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.97"; . a ; ; ; ; ; . . a ; ; "MUST"; "Lessor must provide written notice."; "modalities::logic::deontic"; 1.0000; . a ; "179H(3) Postponement of exercise of rights"@en; ; "ed30b34de4b79ce27b3af580b1acf3b445256e18340d3f5ef92ba7d684547e35"; ; "Lessor cannot begin enforcement proceedings unless notice is given and 14-day period has expired."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.97"; . a ; ; ; ; ; . . a ; ; "forbid"; "Prohibition of enforcement proceedings"; "Lessor must not begin enforcement proceedings."; "Unless notice is given and 14-day period has expired."; "modalities::logic::deontic"; 1.0000; . . a ; ; "during"; "Temporal relation between postponement request and enforcement proceedings"; "Enforcement proceedings must not begin during the 14-day period after notice is given."; "Unless notice is given and 14-day period has expired."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "until"; "Temporal relation between postponement request and enforcement proceedings"; "Enforcement proceedings must not begin until the 14-day period after notice is given has ended."; "Unless notice is given and 14-day period has expired."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "permit"; "Permit for enforcement proceedings to begin"; "Enforcement proceedings can begin if notice is given and the 14-day period has expired."; "modalities::logic::deontic"; 1.0000; . a ; "179H(4) Postponement of exercise of rights"@en; ; "71b4036b16235411288652e8c99cbff9dc0adfe8682ccd7e4870d5e8bc4bf271"; ; "Lessor's right to take possession of goods under certain circumstances"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.97"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Imposes a duty on the lessor"; "The lessor may take possession of goods..."; "... Strict liability"; "modalities::logic::deontic"; 1.0000; . a ; "179H(5) Postponement of exercise of rights"@en; ; "ee6c08f3bcae8b7e81dbf01aba9c76bf46fbdb77788323935999ac8b062b4a07"; ; "Offence of strict liability for subsections (2) and (3)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.97"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Imposes obligation on the state"; "modalities::logic::deontic"; 1.0000; . a ; "179J Effect of negotiated postponement"@en; ; , , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.98". a ; "179J(1) Effect of negotiated postponement"@en; ; "bc0bef020e9055949b53f6ec0b9ccdf2ed4cb1b37435db0205709028a2bb33b4"; ; "Default notice not considered given if postponement negotiated."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.98"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "¬"; "Negation of obligation"; "(default notice given)"; "(default notice not given)"; "modalities::logic::deontic"; 1.0000; . a ; "179J(2) Effect of negotiated postponement"@en; ; "609471b827295cb7c6a736930ab293b1fa4c6a7b0797e206dbc14359ce9bb1d1"; ; "Lessor must provide written notice of postponement conditions within 30 days."; "written notice"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.98"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to provide written notice"; "modalities::logic::deontic"; 1.0000; . a ; "179J(3) Effect of negotiated postponement"@en; ; "30dca32944ef746310da229a5988af47b521c0610069cd29af3e95a893941b82"; ; "Offence of strict liability"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.98"; . a ; ; ; ; ; . . a ; ; "Prohibition"; "Strict liability offence"; "(3) Subsection (2)"; "Offence of strict liability"; "modalities::logic::deontic"; 1.0000; . a ; "179J(4) Effect of negotiated postponement"@en; ; "58da317b5d2d6b21161b8c7bfd6dc9abcae62be170cddb1efa8844bfc78b7322"; ; "No notice required for lessor under subsection (2) if notice given under section 177A"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.98"; . a ; ; ; ; ; . . a ; ; "Exemption"; "Lessor exempt from subsection (2) notice requirement if notice given under section 177A"; "(4) A lessor that is required to give notice under section 177A..."; "...is not required to comply with subsection (2)."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Notice given under section 177A relates to postponement"; "(4) A lessor that is required to give notice under section 177A..."; "...in relation to a postponement."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Traces"; "Notice given under section 177A relates to postponement"; "(4) A lessor that is required to give notice under section 177A..."; "...in relation to a postponement."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Permissive"; "Lessor has permission to waive subsection (2) notice requirement if notice given under section 177A"; "(4) A lessor that is required to give notice under section 177A..."; "...is not required to comply with subsection (2)."; "modalities::logic::deontic"; 1.0000; . a ; "179J(5) Effect of negotiated postponement"@en; ; "541295da20b8817dec94a0dc827f5e7206d3bae89191422e11c3247260a82cfb"; ; "Lessor must provide default notice if conditions are not complied with."; "default notice"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.98"; . a ; ; ; ; ; . . a ; ; "obligation"; "Lessor has an obligation to provide default notice."; "modalities::logic::deontic"; 1.0000; . a ; "179K Postponement by court"@en; ; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.99". a ; "179K(1) Postponement by court"@en; ; "98f540af76ccaf521b0ffb4bc25d104857159471923ba86e74246425f8c32dfd"; ; "Lessee may apply to court for postponement if unable to negotiate."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.99"; . a ; ; ; ; ; . . a ; ; "May"; "Lessee has the right to apply for postponement."; "modalities::logic::deontic"; 1.0000; . a ; "179K(2) Postponement by court"@en; ; "b6d8957a1e6939ea8bb83c1c592dbb03ef15ebd0e047fa55194e415ae814c1cf"; ; "Court may order postponement after hearing."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.99"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "May"; "Court obligation to order postponement"; "modalities::logic::deontic"; 1.0000; . a ; "179K(3) Postponement by court"@en; ; "8c973a971ee64bc48c2f2a87a7ff2b2fb03ec78ea77d4f7b4fa978d407a82808"; ; "Court may stay enforcement proceedings under consumer lease until application is determined."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.99"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "May"; "Court may perform action."; "modalities::logic::deontic"; 1.0000; . a ; "179L Lessor may apply for variation of postponement order"@en; ; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.99". a ; "179L(1) Lessor may apply for variation of postponement order"@en; ; "4907bd20062e90fe54a6bc89ae5f0bab07c68491cfbc05d3c5c5c1f39763b9ce"; ; "Lessor may apply for variation of postponement order"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.99"; . a ; ; ; ; ; . . a ; ; "May"; "Permission to apply for variation"; "modalities::logic::deontic"; 1.0000; . a ; "179L(2) Lessor may apply for variation of postponement order"@en; ; "380aaae47b55d001534d80fbb94f46b0896f889a56b9eb1ae2bfe96652f47df1"; ; "Court may vary, refuse to vary, or revoke postponement order on application."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.99"; . a ; ; ; ; ; . . a ; ; "May"; "Court obligation to vary, refuse, or revoke order."; "modalities::logic::deontic"; 1.0000; . a ; "179M Information as to location of goods hired under a consumer"@en; ; "b544a7686d1186680a9d8f24ff542b00d8ae60da4dd2613a38f6292a8337cc37"; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.100". a ; "179M(1) Information as to location of goods hired under a consumer"@en; ; "29fdecd621e65897a1f9e3efa5768a00e15eda83fc47610604248161218727e5"; ; "Lessee must inform lessor of goods location within 7 days."; "Information about goods location and possession status"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.100"; . a ; ; ; ; ; . . a ; ; "MUST"; "Lessee must provide information"; "modalities::logic::deontic"; 1.0000; . a ; "179M(2) Information as to location of goods hired under a consumer"@en; ; "77e3be60cc3d436c86b029bfc30dc7bf72d94f9db942113450891c9a8c72c474"; ; "Lessee commits an offence for contravening a notice under this section."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.100"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "Prohibition"; "Prohibits lessee from contravening a notice under this section."; "Lessee commits an offence."; "modalities::logic::deontic"; 1.0000; . a ; "179M(3) Information as to location of goods hired under a consumer"@en; ; "30dca32944ef746310da229a5988af47b521c0610069cd29af3e95a893941b82"; ; "Offence of strict liability for non-compliance with subsection (2)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.100"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "prohibition"; "Prohibition of non-compliance"; "(3) Subsection (2) is an offence of strict liability."; "modalities::logic::deontic"; 1.0000; . a ; "179N Entry to residential property to take possession of goods"@en; ; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.100". a ; "179N(1) Entry to residential property to take possession of goods"@en; ; "24a01818bdd2372a81ff41e1bf95930710a2f5bd79c601bb1a255f7d58a17b37"; ; "Entry to residential property without consent is prohibited."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.100"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "Prohibit"; "Prohibition of entry"; "(1) A lessor, or an agent of a lessor, must not..."; "must not enter any part of premises..."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Prohibit"; "Prohibition of entry without consent"; "(b) the occupier of the premises has, after being informed in writing..."; "must not enter any part of premises used for residential purposes unless..."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Permit"; "Permission to enter with consent"; "(b) the occupier of the premises has, after being informed in writing..."; "must enter any part of premises used for residential purposes if the occupier has given written consent"; "modalities::logic::deontic"; 1.0000; . a ; "179N(2) Entry to residential property to take possession of goods"@en; ; "652ff527d47033eaa879f114eafc34e151ff811ed674757635c46984b9832ffe"; ; "Consent for entry to residential property"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.100"; . a ; ; ; ; ; . a ; "179N(3) Entry to residential property to take possession of goods"@en; ; "34c0e8c66cd4b4f25d9736ceccf45967727c37bf5c2528769c8c1d6670eeee1f"; ; "Entering premises in contravention of this section is prohibited for the lessor."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.100"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibition of entering premises in contravention of the section."; "(3) If premises are entered in contravention of this section by a lessor..."; "The lessor commits an offence."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Interval"; "Temporal interval between entering premises and committing an offence."; "(3) If premises are entered in contravention of this section by a lessor..."; "The temporal interval is [entry, offence]."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring Trace"; "Recurring trace of entering premises and committing an offence."; "(3) If premises are entered in contravention of this section by a lessor..."; "The recurring trace is [entry, offence]."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Diffusion"; "Diffusion of the prohibition to agents."; "(3) If premises are entered in contravention of this section by a lessor..."; "The diffusion is [agent, prohibition]."; "modalities::diffusion"; 1.0000; . . a ; ; "Classification"; "Classification of the entry as prohibited for the lessor."; "(3) If premises are entered in contravention of this section by a lessor..."; "The entry is classified as prohibited for the lessor."; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "179N(4) Entry to residential property to take possession of goods"@en; ; "9ccb9b9832ad51605d6c5f74f544d79b203aea233c02edcad813392949791455"; ; "Offence of strict liability for entry to residential property"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.100"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibition"; "Prohibits entry to residential property"; "(4) Subsection (3)"; "Offence of strict liability"; "modalities::logic::deontic"; 1.0000; . a ; "179P Court may order entry"@en; ; "0ef4dd52cc49f036f020071e7e64ed573d4a1a96a26af30a1d3be82d8c77eb8f"; "Court may order entry for taking possession of goods"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.101"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "May"; "Obligation to order entry"; "modalities::logic::deontic"; 1.0000; . a ; "179Q Order for possession"@en; ; , , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.101". a ; "179Q(1) Order for possession"@en; ; "c0ea81cd4556b6ad693ab4175d3cacc75eab029d67752a30510629a8e175483a"; ; "Court may order possession of goods"; "Delivery of goods to lessor"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.101"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "may"; "Court may order possession"; "modalities::logic::deontic"; 1.0000; . a ; "179Q(2) Order for possession"@en; ; "0b84302bb6d710c4a99030458d138739ffc3a7106a47a75d24d1eba0168bf59d"; ; "Court may vary delivery place, time or period."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.101"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "May"; "Permission to vary delivery"; "modalities::logic::deontic"; 1.0000; . a ; "179Q(3) Order for possession"@en; ; "ac7ac74d135615a1ad91327fb37e0138deafdf3ed7f543d8e05153a1aab027a0"; ; "Committing an offence under this section is prohibited."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.101"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "Prohibit"; "Prohibits committing an offence."; "(3) A person who contravenes an order under this section commits an offence. Criminal penalty: 30 penalty units."; "A person who contravenes an order under this section commits an offence."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Prohibit"; "Prohibits committing an offence under this section."; "(3) A person who contravenes an order under this section commits an offence. Criminal penalty: 30 penalty units."; "A person who contravenes an order under this section is prohibited from committing an offence."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Imply"; "Implies that the action is prohibited if the condition is met."; "(3) A person who contravenes an order under this section commits an offence. Criminal penalty: 30 penalty units."; "If a person contravenes an order under this section, they commit an offence."; "modalities::linear"; 1.0000; . a ; "179Q(4) Order for possession"@en; ; "9b66933c5ad7ddc91d3a37001ad8330719f8b5d274b71f1f65b3832787a83097"; ; "Offence of strict liability for subsection (3)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.101"; . a ; ; ; ; ; . . a ; ; "Prohibition"; "Prohibits subsection (3)"; "(4) Subsection (3) is an offence of strict liability."; "modalities::logic::deontic"; 1.0000; . a ; "179R Recovery of enforcement expenses"@en; ; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.101". a ; "179R(1) Recovery of enforcement expenses"@en; ; "92635f88fadbaea3999c08b76c3897bbcda205dfaa660696d5bc384d37983fa7"; ; "Lessor cannot recover enforcement expenses exceeding those reasonably incurred."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.101"; . a ; ; ; ; ; . . a ; ; "not"; "Negative obligation"; "Lessor must recover enforcement expenses."; "Lessor cannot recover enforcement expenses."; "modalities::logic::deontic"; 1.0000; . . a ; ; "during"; "Temporal scope"; "Recovery is limited to enforcement expenses reasonably incurred during the lease."; "Recovery is limited to a specific temporal interval."; "modalities::interval_reasoning"; 1.0000; . a ; "179R(2) Recovery of enforcement expenses"@en; ; "58b74284ebb9986c6f95c7b16f6db967d1cb2645d4830d711ce811189cded944"; ; "Prohibits consumer lease provisions from conferring greater rights than specified."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.101"; . a ; ; ; ; ; . . a ; ; "Prohibition"; "Prohibits consumer lease provisions from conferring greater rights than specified."; "modalities::logic::deontic"; 1.0000; . a ; "179R(3) Recovery of enforcement expenses"@en; ; "9aa6254cff6f9625eb69dd3b9f3f2a4a89fa2fe1dc67c54de63a7afb916b487b"; ; "Court determines amount of enforcement expenses liability"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.101"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "determines"; "Determines obligation"; "modalities::logic::deontic"; 1.0000; . a ; "179S Linked lessors and tied consumer leases"@en; ; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.102". a ; "179S(1) Linked lessors and tied consumer leases"@en; ; "2667e265673932c16089c163ae9041fbbd3ded741b8b6f5876163882ec4f62ef"; ; "Linked lessor definition"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.102"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligate"; "Linked lessor definition"; "modalities::logic::deontic"; 1.0000; . . a ; ; "="; "Identifies a linked lessor"; "The supplier has a contract, arrangement or understanding with the lessor"; "The lessor is a linked lessor"; "modalities::dl"; 1.0000; . a ; "179S(2) Linked lessors and tied consumer leases"@en; ; "fba225464fe828a6d270b6e0c8191203b0e4ec87bb4565c36ce98f75c21c7883"; ; "Linked lessors and tied consumer leases"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.102"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "hasPart"; "Classification of tied consumer lease"; "(2) A tied consumer lease is a consumer lease entered into between a lessor and a lessee..."; "A tied consumer lease is defined as a consumer lease entered into between a lessor and a lessee..."; "modalities::logic::deontic"; 0.5000; . . a ; ; "during"; "Temporal relationship between tied consumer lease and supplier's linked status"; "(2) A tied consumer lease is entered into between a lessor and a lessee where: (a) the lessee enters into the lease to hire goods supplied by the supplier to the lessor; and (b) at the time the lease is entered into the lessor is a linked lessor of the supplier."; "The tied consumer lease is entered into during the supplier's linked status"; "modalities::interval_reasoning"; 0.5000; . . a ; ; "during"; "Temporal relationship between tied consumer lease and supplier's linked status"; "(2) A tied consumer lease is entered into between a lessor and a lessee where: (a) the lessee enters into the lease to hire goods supplied by the supplier to the lessor; and (b) at the time the lease is entered into the lessor is a linked lessor of the supplier."; "The tied consumer lease is entered into during the supplier's linked status"; "modalities::temporal_ltl"; 0.5000; . . a ; ; "hasPart"; "Classification of tied consumer lease"; "(2) A tied consumer lease is a consumer lease entered into between a lessor and a lessee where: (a) the lessee enters into the lease to hire goods supplied by the supplier to the lessor; and (b) at the time the lease is entered into the lessor is a linked lessor of the supplier."; "A tied consumer lease is defined as a consumer lease entered into between a lessor and a lessee where: (a) the lessee enters into the lease to hire goods supplied by the supplier to the lessor; and (b) at the time the lease is entered into the lessor is a linked lessor of the supplier."; "modalities::logic::deontic"; 0.5000; . a ; "179T Lessor liable for supplier’s misrepresentations about hired"@en; ; "089857f9c407941715faed7f7321a5534f6f825b0d2c074d86e62ffe95071d76"; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.103". a ; "179T(1) Lessor liable for supplier’s misrepresentations about hired"@en; ; "64a186af0af4b894a8a4c85ac7c85314ed9ebafff7b73695821d76e0a05f9704"; ; "Lessor liable for supplier's misrepresentations about hired goods or services."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.103"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "obligation"; "Obligation to provide accurate information"; "Supplier makes misrepresentations"; "Lessor liable"; "modalities::logic::deontic"; 1.0000; . a ; "179T(2) Lessor liable for supplier’s misrepresentations about hired"@en; ; "e2b0fc821791aa92488a04c635952b3f7715671c7397dc713cbd47da1b3521d5"; ; "Lessor entitled to indemnification from person making misrepresentation"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.103"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Lessor has an obligation to be indemnified"; "Lessor is entitled to indemnification"; "Person making misrepresentation must provide indemnification"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Permission"; "Person making misrepresentation has permission to make a representation"; "Person making misrepresentation is allowed to make a statement"; "Representation is permitted"; "modalities::logic::deontic"; 1.0000; . a ; "179U False or misleading representations"@en; ; , , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.103". a ; "179U(1) False or misleading representations"@en; ; "271c952c4643b8abd144f05e2573dce8fd26e190e6c20e2de328f3ab3f80d6b4"; ; "Making false or misleading representations in consumer leases is prohibited."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.103"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "Prohibit"; "Prohibits making false or misleading representations."; "Material to entry into a consumer lease or related transaction."; "False or misleading representation."; "modalities::logic::deontic"; 1.0000; . a ; "179U(2) False or misleading representations"@en; ; "12e8778e3f1bf53aa5748117db0a11c5822b5cfba604830807f25759b5ddbed8"; ; "Defence to prosecution for false or misleading representations if reasonable belief"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.103"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Obligation to not make false or misleading representations"; "None"; "Not making false or misleading representations"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Belief"; "Reasonable belief is a defence"; "Person charged reasonably believed the representation was not false or misleading"; "The person charged had a reasonable belief"; "modalities::epistemic"; 1.0000; . . a ; ; "Temporal Interval"; "Conditional commencement"; "None"; "The defence applies if the representation was not false or misleading at the time of prosecution"; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Inference"; "Reasonable belief is inferred from the person charged's actions"; "Person charged took action based on their reasonable belief"; "The person charged had a reasonable belief"; "modalities::argumentation"; 1.0000; . a ; "179U(3) False or misleading representations"@en; ; "14e4a43c589826387fce9ebf5083f015493a62e115077601d77a5cfc0ab6e8ea"; ; "Person who suffers loss may recover from contravention"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.103"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "obligation"; "Obligation to compensate for loss"; "Section 179U(3)"; "Person who suffers loss may recover from contravention"; "modalities::logic::deontic"; 1.0000; . a ; "179V Harassment"@en; ; "5bb35c7fe4e19b211302492ad0cc4835ce466b64f9519630b471901371f32c60"; "Harassment in consumer lease attempts"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.104"; . a ; ; ; ; ; . . a ; ; "not"; "Negative obligation"; "Lessor or supplier must not harass..."; "No harassment allowed"; "modalities::logic::deontic"; 1.0000; . . a ; ; "during"; "Temporal relation between harassment and attempt"; "Harassment occurs during attempt"; "Attempt must be completed before harassment starts"; "modalities::interval_reasoning"; 1.0000; . a ; "179W Application of certain Code provisions to consumer leases"@en; ; , ; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.104". a ; "179W(1) Application of certain Code provisions to consumer leases"@en; ; "c7173c4a6ed5f5ba4231aaa11a5fc7270e7f23bcc91de41748b3b973b63a3192"; ; "Applicability of certain Code provisions to consumer leases"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.104"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "apply"; "Application of provisions"; "modalities::logic::deontic"; 1.0000; . a ; "179W(2) Application of certain Code provisions to consumer leases"@en; ; "5af3690aa11c71fc109cb4ccca854cbc1784205b64e419e5f82da115375700a4"; ; "Application of certain Code provisions to consumer leases"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.104"; . a ; ; ; ; "borne by: State"; ; . a ; "25 Subsection 204(1) of the National Credit Code (definition"@en; ; "d3fb66d55fed9a859e2b35776cc0eab981e2ecb1679933033a0cb56f039f16f4"; "Definition of acceleration clause in credit contracts and consumer leases."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.104"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "="; "Defines the term"; "acceleration clause means..."; "modalities::logic::deontic"; 1.0000; . . a ; ; "="; "Classifies the term"; "in relation to a credit contract or mortgage—a term of a credit contract or mortgage providing..."; "modalities::dl"; 1.0000; . a ; "26 Subsection 204(1) of the National Credit Code"@en; ; "97230540c01afdf4a1e9545d8a243c21364c70fa8b9a1c75a6993805c8ee8de2"; "Definition of Bulk Electronic Clearing System"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.105"; . a ; ; ; ; . a ; "27 Subsection 204(1) of the National Credit Code"@en; ; "21e66e38094c1fa8e6829930805c67b09c3e2db659b28614314d8c88e6abe2c5"; "Defines consumer lease fees or charges"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.105"; . a ; ; ; ; "borne by: State"; ; . a ; "28 Subsection 204(1) of the National Credit Code (definition"@en; ; "d42b69c6b899cf587b3def8a1536559431579a3c74235900690e043a0613ce69"; "Repeal definition of default notice and substitute with new definitions."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.105"; . a ; ; ; ; . a ; "29 Subsection 204(1) of the National Credit Code"@en; ; "bded2ea73e391116953aae519dc8872c5abeae9ca73d0b7da96f0c97c60d7e66"; "Defines direct debit in relation to payment of an amount."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.106"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "is"; "Direct debit is a requirement."; "modalities::logic::deontic"; 1.0000; . . a ; ; "typeOf"; "Defines the concept of direct debit."; "modalities::dl"; 1.0000; . a ; "30 Subsection 204(1) of the National Credit Code (definition"@en; ; "e7a862de1f532cbd0529c2c0308f78865b36d9c305936f584fdc90f047f302ba"; "Defines enforcement proceedings for credit contracts, consumer leases, and mortgages."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.106"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "defines"; "Defines a term with a clear obligation."; "modalities::logic::deontic"; 1.0000; . . a ; ; "substitutes"; "Substitutes a new definition for an existing one."; "modalities::dl"; 1.0000; . a ; "31 Subsection 204(1) of the National Credit Code"@en; ; "65680fe24b709bb4c3b9a9ca52b5de1d6b3c2bac91f3f8b31153934e94e38e86"; "Requires insertion of hardship notice in credit contracts and consumer leases."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.106"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "requires"; "Imposes a duty on the state."; "modalities::logic::deontic"; 1.0000; . a ; "32 Subsection 204(1) of the National Credit Code"@en; ; "ca6a9535185ba4dcde5e6b43b1f1fe356f23ffe4c6d846363dcf8fd79250c4c3"; "Defines lessee under consumer lease"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.106"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "is defined as"; "Defines term"; "Part 11 applies to consumer leases"; "lessee means the lessee under a consumer lease"; "modalities::logic::deontic"; 0.5000; . . a ; ; "includes"; "Includes prospective lessees"; "lessee is defined as"; "and includes a prospective lessee"; "modalities::dl"; 0.5000; . a ; "33 Subsection 204(1) of the National Credit Code"@en; ; "fdccfc7b3d8368b7ea95048a6cde893c7afc2cbd1a077082d2c0cac1be71b476"; "Defines lessor under consumer lease"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.107"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "is defined as"; "Defines term"; "lessor means the lessor under a consumer lease to which Part 11 applies"; "lessor means the lessor under a consumer lease to which Part 11 applies"; "modalities::logic::deontic"; 0.5000; . . a ; ; "includes"; "Includes prospective lessor"; "and includes a prospective lessor"; "and includes a prospective lessor"; "modalities::dl"; 0.5000; . a ; "34 Subsection 204(1) of the National Credit Code"@en; ; "0f1289b1c2262c771e3d908a32991f7d5ab45106028114c98d7e3c84b770ccd9"; "Insert linked lessor"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.107"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST INSERT"; "Must insert linked lessor"; "modalities::logic::deontic"; 1.0000; . a ; "35 Subsection 204(1) of the National Credit Code"@en; ; "c7fb27dc5d59365271aa9de477ac88b5c11749f01e1fd183166a5a2fdf50a054"; "Demand facility is prohibited under subsection 204(1) of the National Credit Code."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.107"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Classify"; "Demand facility classification"; "modalities::dl"; 1.0000; . a ; "36 Subsection 204(1) of the National Credit Code"@en; ; "b2d4f67712c8f5629490ec95d35978b717e14decf2eb8fdf00d0d95e780f33ef"; "References other subsections for postponement request rules"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.107"; . a ; ; ; ; . a ; "37 Subsection 204(1) of the National Credit Code"@en; ; "ae2901dbb79cde6eecd25633cf88503c31528450807c2582d907ba70acfb2103"; "Mandatory reference to subsection 179S(2)"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.107"; . a ; ; ; ; ; . . a ; ; "MUST"; "Expresses a mandatory reference"; "modalities::logic::deontic"; 1.0000; . a ; "38 Subsection 204(1) of the National Credit Code"@en; ; "73eb1eb59fd222ce4a6a7129c8ea4fc334c2478cf31eb742d44f0d572fc917e5"; "Prohibition on unconscionable, harsh or oppressive lease terms"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.107"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "forbid"; "Prohibits unconscionable, harsh or oppressive lease terms"; "modalities::logic::deontic"; 1.0000; . . a ; ; "includes"; "Includes only reasonable lease terms"; "modalities::dl"; 1.0000; . a ; "1 Schedule 4 (heading)"@en; ; "585a8d85920b241bfe8a5f68f00b98160cee17d0e38408eead193b18e825cea7"; "Repeal heading and substitute with new text."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.109"; . a ; ; ; ; . a ; "2 Part 1 of Schedule 4 (heading)"@en; ; "93907a10ab7d0187d63a6e36d160d49002cecbedd7ffd3d307f85a713c2970b4"; "Repeal the heading."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.109"; . a ; ; ; ; . a ; "3 Item 1 of Schedule 4"@en; ; "fd2741de069f40f58fc8a019751725e33af450f8da543f8d818e21649d8631f1"; "Substitute 'In this Schedule' for 'In this Part'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.109"; . a ; ; ; ; ; . a ; "4 At the end of the Act"@en; ; "f552a1e79bdc74d313b3f0f000e309faa363c9b81f8db6b9d0fb2b41f0dcea48"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.109"; . a ; ; ; ; . a ; "1 Definition"@en; ; "ee781a7f6c33eb264f3375f82086b445438ccbc3c27943f50640234bdda711ea"; "Definition of amending Act"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.109"; . a ; ; ; ; . a ; "2 Section 128 of the National Credit Act"@en; ; "02faf6d0988083b72eda6a50c2ddbb869376b72287f28b3726f9ea19d4ab38b7"; "Amendments apply to representations made on or after commencement"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.110"; . a ; ; ; ; . a ; "3 Section 180A of the National Credit Act"@en; ; "4aa6d8e735d746a79586c2b891b020ea77703c332728ab412cd12d3553ea5f49"; "Section applies in relation to credit services provided on or after commencement of Schedule."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.110"; . a ; ; ; ; . a ; "4 Sections 32 and 40 of the new Credit Code"@en; ; "175f7af8460f7a28c480cd450899c3cfe25b13ddd4cc137141b838d8f6a61517"; "Amendments apply to credit contracts entered into on or after Schedule commencement"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.110"; . a ; ; ; ; . a ; "5 Sections 72, 73, 74 and 88 of the new Credit Code"@en; ; "693b141998e4a7644365b78604d1b2944b0827d838e9d578dd80749059a9ff6d"; "Amendments apply to credit contracts made on or after commencement of Schedule 1"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.110"; . a ; ; ; ; . a ; "6 Section 89A of the new Credit Code"@en; ; "1c41335d595075952ad7ea3d12715b7f95c1f308c2447417750c09dba11f396f"; "Section applies in relation to credit contracts, mortgages and guarantees entered into on or after commencement of Schedule."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.110"; . a ; ; ; ; . a ; "7 Section 94 of the new Credit Code"@en; ; "3435149cff5c5d30d1e63e4d183b6493bb98e3ebf23a1e9c19858913b27b4a8c"; "Amendments apply to credit contracts, mortgages, and guarantees entered into on or after commencement of Schedule."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.110"; . a ; ; ; ; . . a ; ; "Applicable"; "Requires relation between temporal intervals"; "commencement of Schedule"; "on or after commencement of Schedule"; "modalities::interval_reasoning"; 1.0000; . a ; "8 Section 124 of the new Credit Code"@en; ; "eeb92c8488909f1c31d3189ffe613a63e39f48b6be7d14fb159409014a917f25"; "Amendments apply to applications made on or after commencement."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.110"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligate"; "Amendments apply to applications made on or after commencement."; "modalities::logic::deontic"; 1.0000; . . a ; ; ">="; "Temporal interval"; "modalities::interval_reasoning"; 1.0000; . a ; "9 Subsections 179(6) and (7) of the National Credit Act"@en; ; "34fa1c0c82d5eeb651e12561a447ca035c4ef648a14146bcc80b24482e4c4da5"; "Applicability of National Credit Act subsections to credit contracts entered into on or after commencement."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.111"; . a ; ; ; ; . a ; "10 Subsection 17(15A) of the new Credit Code"@en; ; "c07a976c54cca03b42e6550303f371bc721f981ff5e7c80fd0980bfd16835f0c"; "Applicability of subsection 17(15A) of the new Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.111"; . a ; ; ; ; . a ; "11 Section 18A of the new Credit Code"@en; ; "bdf91701837189689726184384bc5dcb50a6d0a1e1f32b61a5737a33e93f97ab"; "Section applies to entry into and changes to credit contracts on or after commencement of item."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.111"; . a ; ; ; ; . a ; "12 Subsection 26(6) of the new Credit Code"@en; ; "4fdd3030e74d7f379a58c40bb33cd37610043e47a3bd030395aab65b4732deaf"; "Applicable to credit contracts entered into on or after the commencement of that item."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.111"; . a ; ; ; ; . a ; "13 Section 33 of the new Credit Code"@en; ; "1b8f9c9413f1e91cf8b01a6fc74cacb5768bf20c30dbf63f15c90286b8f8a71b"; "Amendments apply to credit contracts entered into before, on or after commencement."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.111"; . a ; ; ; ; . a ; "14 Section 67A of the new Credit Code"@en; ; "483be6c9a4dc966dce8dc7e3aeee78df93dd957d925232534b8df58208fe0331"; "Applicability of Section 67A of the new Credit Code"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.111"; . a ; ; ; ; . a ; "15 Subdivision B of Division 1 of Part 5 of the new Credit"@en; ; "50cc221947f802e4691654279273df072c59eb4d1acb1ca207f6202a0aacfa9a"; "Subdivision B of Division 1 of Part 5 of the new Credit Code applies to credit contracts and mortgages entered into on or after commencement."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.111"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "applies"; "Subdivision B applies to credit contracts and mortgages."; "modalities::logic::deontic"; 1.0000; . a ; "16 Subsections 88(1) and (2) of the new Credit Code"@en; ; "5472491150f363bc3711bf0c186c84041b9a3504a7a65dff549523202f00a251"; "Amendment applies to credit contracts and mortgages entered into before, on or after commencement of item."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.112"; . a ; ; ; ; . . a ; ; "Applicable"; "Requires temporal relation between intervals"; "Item commencement is before or on contract/mortgage date"; "Undertaking"; "modalities::interval_reasoning"; 1.0000; . a ; "17 Subsections 88(7A) and (7B) of the new Credit Code"@en; ; "5d17e41e3b328e924d9574f74d1000ab7773a0b150555be94dd3825b5e6431cb"; "Applicability of new Credit Code subsections to credit contracts and mortgages"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.112"; . a ; ; ; ; . a ; "18 Section 93A of the new Credit Code"@en; ; "241ac5386cf28fff68caf25226f7c204921789512c70ab6d444c32c3ddfcab96"; "Section applies in relation to credit contracts and mortgages entered into on or after commencement of item."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.112"; . a ; ; ; ; . a ; "19 Section 185A of the new Credit Code"@en; ; "1a4c56c02ccc819fefc27230ad129054e0eeedd5c7f01908046f98aa1934a258"; "Section applies in relation to credit contracts entered into on or after commencement of item."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.112"; . a ; ; ; ; . a ; "20 Paragraphs 124A(1)(b) and 133CA(1)(b) of the National"@en; ; "a824a2afda1ad59295d10a623375fc78eec044713988eba6da498ca8d8e4a9e0"; "Applicability of National Credit Act provisions to short-term credit contracts"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.112"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "apply"; "Applicability of provisions"; "Provisions apply to contracts entered into before, on or after commencement"; "Provisions apply"; "modalities::logic::deontic"; 1.0000; . . a ; ; "during"; "Temporal interval for applicability"; "Provisions apply during specified time period"; "Provisions apply during specified time period"; "modalities::interval_reasoning"; 1.0000; . a ; "21 Sections 23A, 31A, 31B, 39A, 39B and 39C and subsection"@en; ; "bdaea96e455ee258d58b9458c9b2a42bf43d632f0bc3c54b26debfa03e3e5f66"; "Applicability of sections to small amount credit contracts"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.113"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "apply"; "Applicability condition"; "Schedule 4 commencement"; "Contract entered after commencement"; "modalities::logic::deontic"; 1.0000; . a ; "21A Section 32AA and paragraphs 111(1)(k) and (2)(fb) of the"@en; ; "5dead30e583b23ea7f16638963be894f2c5b09936d0c5da3dbd932be8e0f092d"; "Credit contracts entered into on or after the commencement of Schedule 4 must comply with Section 32AA and paragraphs 111(1)(k) and (2)(fb) of the new Credit Code."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.113"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST COMPLY WITH"; "Must comply with Section 32AA and paragraphs 111(1)(k) and (2)(fb)"; "Credit contracts entered into on or after the commencement of Schedule 4"; "must comply with Section 32AA and paragraphs 111(1)(k) and (2)(fb)"; "modalities::logic::deontic"; 0.5000; . . a ; ; ">="; "Credit contracts entered into on or after the commencement of Schedule 4 must comply with Section 32AA and paragraphs 111(1)(k) and (2)(fb)"; "Commencement of Schedule 4 >= commencement of credit contract"; "must comply with Section 32AA and paragraphs 111(1)(k) and (2)(fb)"; "modalities::interval_reasoning"; 0.5000; . . a ; ; "FOR ALL"; "For all credit contracts entered into on or after the commencement of Schedule 4, must comply with Section 32AA and paragraphs 111(1)(k) and (2)(fb)"; "x is a credit contract entered into on or after the commencement of Schedule 4"; "must comply with Section 32AA and paragraphs 111(1)(k) and (2)(fb)"; "modalities::temporal_ltl"; 0.5000; . . a ; ; "IS A RIGHT TO"; "Credit contracts entered into on or after the commencement of Schedule 4 are a right to comply with Section 32AA and paragraphs 111(1)(k) and (2)(fb)"; "Section 32AA and paragraphs 111(1)(k) and (2)(fb) of the new Credit Code"; "are a right to comply with Section 32AA and paragraphs 111(1)(k) and (2)(fb)"; "modalities::logic::deontic"; 0.5000; . . a ; ; "IS A DUTY TO"; "Credit contracts entered into on or after the commencement of Schedule 4 must comply with Section 32AA and paragraphs 111(1)(k) and (2)(fb)"; "Section 32AA and paragraphs 111(1)(k) and (2)(fb) of the new Credit Code"; "must comply with Section 32AA and paragraphs 111(1)(k) and (2)(fb)"; "modalities::logic::deontic"; 0.5000; . a ; "22 Subsection 199(2) of the National Credit Act"@en; ; "ed29f2406553745fbbda6ccc1da56a95a4d35f5b148c5734e73120d2715799e4"; "Amendments apply to consumer leases entered into on or after Schedule commencement"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.113"; . a ; ; ; ; . . a ; ; "Applicable"; "Temporal interval relation"; "modalities::interval_reasoning"; 1.0000; . a ; "23 Part 11 of the new Credit Code"@en; ; "4f592e5bb99267a8dc270422a07c2a722027c87f4073ef546d656a58d7c59c21"; "Applicable amendments to consumer leases entered into on or after the commencement of Schedule 5."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.113"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "holds"; "Applicable amendments"; "Schedule 5 commencement"; "Lease applicability"; "modalities::logic::deontic"; 1.0000; . a ; "1 Subsection 96(1) of Schedule 2"@en; ; "fb87a57bb324e23d2ee7816b23043c3d69afdf24dcf1d5b8475c3e945897d4ad"; "Omit 'consumer goods', substitute 'goods'."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.114"; . a ; ; ; ; ; . a ; "2 Subsection 96(2) of Schedule 2"@en; ; "fb87a57bb324e23d2ee7816b23043c3d69afdf24dcf1d5b8475c3e945897d4ad"; "Omit 'consumer goods', substitute 'goods'."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.114"; . a ; ; ; ; ; . a ; "3 Subsection 96(3) of Schedule 2"@en; ; "7e354f4c20046f5a0deea2d30ba6ddf5e6d0598e98019b4b93866222a9d81574"; "Replace 'consumer goods' with 'goods'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.114"; . a ; ; ; ; ; . a ; "4 Subsection 96(4) of Schedule 2"@en; ; "fb87a57bb324e23d2ee7816b23043c3d69afdf24dcf1d5b8475c3e945897d4ad"; "Omit 'consumer goods', substitute 'goods'."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.114"; . a ; ; ; ; ; . a ; "5 Subsection 97(1) of Schedule 2"@en; ; "fb87a57bb324e23d2ee7816b23043c3d69afdf24dcf1d5b8475c3e945897d4ad"; "Substitute 'goods' for 'consumer goods'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.114"; . a ; ; ; ; ; . a ; "6 Subsection 97(2) of Schedule 2"@en; ; "fb87a57bb324e23d2ee7816b23043c3d69afdf24dcf1d5b8475c3e945897d4ad"; "Omit 'consumer goods', substitute 'goods'."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.114"; . a ; ; ; ; ; . a ; "7 Subsection 97(3) of Schedule 2"@en; ; "fb87a57bb324e23d2ee7816b23043c3d69afdf24dcf1d5b8475c3e945897d4ad"; "Omit 'consumer goods', substitute 'goods'."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.114"; . a ; ; ; ; ; . a ; "8 Section 98 of Schedule 2"@en; ; "7e354f4c20046f5a0deea2d30ba6ddf5e6d0598e98019b4b93866222a9d81574"; "Replace 'consumer goods' with 'goods'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.114"; . a ; ; ; ; ; . a ; "9 Subsection 103(1) of Schedule 2"@en; ; "2c8d4e4199b224b2e5fdd0c9912e8db5f92a7ff0f0f7893f5dcd12625adaa3ae"; "Substitute goods supplied to a consumer for 'consumer goods'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.114"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligation"; "Imposes an obligation on the state"; "modalities::logic::deontic"; 1.0000; . a ; "10 Subsection 188(1) of Schedule 2"@en; ; "fb87a57bb324e23d2ee7816b23043c3d69afdf24dcf1d5b8475c3e945897d4ad"; "Omit 'consumer goods', substitute 'goods'."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.114"; . a ; ; ; ; ; . a ; "11 Subsection 189(1) of Schedule 2"@en; ; "b2ad86fdfc1e114f3445d2643a54bd773025e4d83dc516570507f384325a4118"; "Substitute 'goods' for 'consumer goods'"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.114"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Imposes an obligation"; "modalities::logic::deontic"; 1.0000; . a ; "12 Subsection 189(3) of Schedule 2"@en; ; "fb87a57bb324e23d2ee7816b23043c3d69afdf24dcf1d5b8475c3e945897d4ad"; "Omit 'consumer goods', substitute 'goods'."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.115"; . a ; ; ; ; ; . a ; "13 Subsection 190(1) of Schedule 2"@en; ; "fb87a57bb324e23d2ee7816b23043c3d69afdf24dcf1d5b8475c3e945897d4ad"; "Omit 'consumer goods', substitute 'goods'."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.115"; . a ; ; ; ; ; . a ; "14 Paragraph 190(2)(c) of Schedule 2"@en; ; "fb87a57bb324e23d2ee7816b23043c3d69afdf24dcf1d5b8475c3e945897d4ad"; "Omit 'consumer goods', substitute 'goods'."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.115"; . a ; ; ; ; ; . a ; "15 Subsection 191(1) of Schedule 2"@en; ; "fb87a57bb324e23d2ee7816b23043c3d69afdf24dcf1d5b8475c3e945897d4ad"; "Omit 'consumer goods', substitute 'goods'."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.115"; . a ; ; ; ; ; . a ; "16 At the end of Schedule 2"@en; ; "87e3c5a6e4191e45411bb77975a4589f8bffa77ea7e35d277e2bede237466e4c"; "Add Chapter 6—Application and transitional provisions"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.115"; . a ; ; ; ; . a ; "288 Application of amendments relating to lay-by agreements"@en; ; "6c17d18c3707614aa7e91dd4a799ee456e503dcfff4ffede9d51e2bc57f07435"; "Amendments apply to lay-by agreements entered into on or after commencement"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.115"; . a ; ; ; ; . a ; "289 Application of amendment relating to repairs"@en; ; "357e979ce15cd4ca1b64a19ee4bd511f7f763caf40e37c328765fc80cfc9fa8b"; "Amendment applies to notices for repairs accepted after commencement"; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.115"; . a ; ; ; ; . a ; "290 Saving of regulations relating to repairs"@en; ; "6fea0d8cb1ccf539f281f7abce57d62c7dc2a12eec9b83a5451ede704fc33a75"; "Regulations made for subsection 103(1) of Schedule 2 to the Competition and Consumer Act 2010 continue in force."; ; "2"; ; ; "consumer-credit-legislation-amendment-enhancements-act-2012.pdf, p.115"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "CONTINUE"; "Continuation of regulations"; "Regulations made for subsection 103(1) of Schedule 2 to the Competition and Consumer Act 2010."; "continue in force"; "modalities::logic::deontic"; 1.0000; . . a ; ; ">="; "Temporal relationship between commencement of item and regulations"; "Item 9 of Schedule 7 to the Consumer Credit Legislation Amendment (Enhancements) Act 2012."; "commencement of item >= regulations"; "modalities::interval_reasoning"; 1.0000; . . a ; ; "RECURSIVE"; "Recurring trace between regulations and amended subsection"; "Regulations that were in force immediately before the commencement of that item."; "recurring trace between regulations and amended subsection"; "modalities::temporal_ltl"; 1.0000; . . a ; ; "CONTINUE"; "Continuation of regulations after amendment"; "Regulations continue in force (and may be dealt with) as if they were made for the purposes of that subsection as amended by that item."; "continue in force after amendment"; "modalities::logic::deontic"; 1.0000; .