a ; "C2023C00239"; ; "Financial Sector Reform (Hayne Royal Commission Response—Protecting Consumers (2019 Measures)) Act 2020"@en; "AU"; "No. 2 of 2020"; "15 September 2023"; "An Act to amend the law relating to unfair contract terms and insurance contracts, funeral expenses facilities, funeral benefits, mortgage brokers and mortgage intermediaries, and for related purposes"; ; ; . a ; "15 September 2023"@en; ; "6b34c24fed7343c60b02ef6dec297dbcff189f6eb8209ea9e3c9996f20f449cf"; "Includes amendments up to Act No. 69, 2023"; ; "2"; ; ; "c2023c00239.pdf, p.1"; . a ; ; ; ; . a ; "21 September 2023"@en; ; "d50ac0bd6c490b2234b25986837b0759e652264f783cd428395a5a2a62a19fed"; "Compilation information and notes on amendments."; ; "2"; ; ; "c2023c00239.pdf, p.1"; . a ; ; ; ; . a ; "1 Short title"@en; ; "c70cad8f6eeb95f860cc023328f2ebb4f2f1144f00f52ff3920bb48de99816db"; "Short title of the Act"; ; "2"; ; ; "c2023c00239.pdf, p.5"; . a ; ; ; ; ; . . a ; ; "is"; "Identifies the Act as a specific title"; "The Act is the Financial Sector Reform (Hayne Royal Commission Response—Protecting Consumers (2019 Measures)) Act 2020."; "modalities::logic::deontic"; 1.0000; . a ; "2 Commencement"@en; ; "af1d7289adca73e208b5fcaf7c0b0bd6bb64471d7dd79aa90db6297c57f2bc99"; "Commencement rules"; ; "2"; ; ; "c2023c00239.pdf, p.5"; . a ; ; ; ; . a ; "1 Section 1"@en; ; "6561f4272607a18d8b92b3d2c6c7741a8af51428a7b329e978fcb9bd6c54aeae"; "Commencement of the Act"; ; "2"; ; ; "c2023c00239.pdf, p.5"; . a ; ; ; ; . . a ; ; "Applicable"; "Temporal interval"; "Temporal commencement"; "Commencement on day of Royal Assent"; "modalities::interval_reasoning"; 0.5000; . a ; "17 February"@en; ; ; "2"; ; ; "c2023c00239.pdf, p.5"; . a ; ; ; ; . a ; "2 Section 2"@en; ; "7648c3e4512aa39823dbb36b97c0f9e0726e4110d39aa5e7572221c386ebb545"; "Schedule 1"; ; "2"; ; ; "c2023c00239.pdf, p.5"; . a ; ; ; ; . a ; "5 April 2021."@en; ; ; "2"; ; ; "c2023c00239.pdf, p.5"; . a ; ; ; ; . a ; "5 April 2021"@en; ; ; "2"; ; ; "c2023c00239.pdf, p.5"; . a ; ; ; ; . a ; "3 Section 3"@en; ; "e73e5c18e2d92f5754835558ae9c416a256e6fc71e54f21de249caf8645fbf83"; "The day after this Act receives the Royal Assent."; ; "2"; ; ; "c2023c00239.pdf, p.5"; . a ; ; ; ; . a ; "18 February"@en; ; "51105b8ac939d30a4c13d8f4919f35a0c33302fd707ff49bd88a8cb62c432af4"; "Note: This table relates only to the provisions of this Act as originally enacted."; ; "2"; ; ; "c2023c00239.pdf, p.5"; . a ; ; ; ; . a ; "3 Schedules"@en; ; "1909a2d4838ee4acfa106c8109c88c8adeca563eee803c77d2f553e1759221b3"; "Legislation in schedules is amended or repealed according to its terms."; ; "2"; ; ; "c2023c00239.pdf, p.6"; . a ; ; ; ; . . a ; ; "Applicable"; "Temporal relation between schedules and the Act"; "Schedules are amended or repealed according to their terms"; "Temporal relation exists"; "modalities::interval_reasoning"; 1.0000; . a ; "1 Subsection 12BA(1)"@en; ; "f594aed4e6b42b5051c1ea53af74b0a90005bad60fd39538ea7e53d431050988"; "Definition of insurance contract"; ; "2"; ; ; "c2023c00239.pdf, p.7"; . a ; ; ; ; ; . . a ; ; "="; "Defines term"; "insurance contract means a contract of insurance to which the Insurance Contracts Act 1984 applies."; "modalities::logic::deontic"; 1.0000; . a ; "2 At the end of section 12BF"@en; ; "7073f0cc5de9e51f2973c878765a4b2f32428981c4913ad363623951a0cb1ba0"; "Applicability of Insurance Contracts Act to insurance contracts"; ; "2"; ; ; "c2023c00239.pdf, p.7"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "applies"; "Section applies to Insurance Contracts Act insurance contracts"; "modalities::logic::deontic"; 1.0000; . a ; "3 At the end of subsection 12BI(1)"@en; ; "35497118aac0f98d382ac1b1f792a6ac20656b51d8d93976a20e3d15c62032a3"; "Insurance contracts must disclose transparent terms at or before entry."; "Transparent term disclosure"; ; "2"; ; ; "c2023c00239.pdf, p.7"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Must"; "Mandatory obligation"; "modalities::logic::deontic"; 1.0000; . a ; "4 At the end of section 12BI"@en; ; "2590130fc06f79e7903106396f98e296645d6c6242714f9d8cc5b550dda7a374"; "Have regard to the main subject matter of the contract only to the extent that it describes what is being insured."; ; "2"; ; ; "c2023c00239.pdf, p.7"; . a ; ; ; ; "borne by: State"; ; . a ; "5 After subsection 12BL(1)"@en; ; "f54cc850935c25229137d376b96754159270fc7be6199d9a9cc23d6498469b28"; "Exempts certain medical indemnity contracts from the Subdivision's application."; ; "2"; ; ; "c2023c00239.pdf, p.7"; . a ; ; ; ; ; . . a ; ; "!"; "Negates the Subdivision's application for these contracts"; "None"; "None"; "modalities::logic::deontic"; 1.0000; . a ; "6 At the end of subsections 12GND(1) and (2)"@en; ; "85297fc3c00e01add8b32818a2e994971a0bd5f1a89554eaa10d6b7b8903e70f"; "A person who is a third party beneficiary under the contract."; ; "2"; ; ; "c2023c00239.pdf, p.8"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "hasBeneficiary"; "Identifies beneficiaries of a contract."; "modalities::logic::deontic"; 1.0000; . a ; "7 In the appropriate position"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert in an appropriate position"; ; "2"; ; ; "c2023c00239.pdf, p.8"; . a ; ; ; ; . a ; "325 Application—unfair contract terms"@en; ; , , , ; ; "2"; ; ; "c2023c00239.pdf, p.8". a ; "325(1) Application—unfair contract terms"@en; ; "a662c2c5e9c1d390e670af39401fa5899c2c0a145412939f26b4e8d01465652c"; ; "Amendments apply to contracts entered into on or after commencement of Schedule."; ; "2"; ; ; "c2023c00239.pdf, p.8"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Applicability"; "Amendments apply to contracts entered into on or after commencement of Schedule."; "modalities::logic::deontic"; 1.0000; . a ; "325(2) Application—unfair contract terms"@en; ; "472282fd36fda176807f90a1424232cbbdbbcb68897a8fe07792bc966a4ed173"; ; "Exempts contracts entered into before the commencement of Schedule 1 from the amendments."; ; "2"; ; ; "c2023c00239.pdf, p.8"; . a ; ; ; ; . a ; "325(3) Application—unfair contract terms"@en; ; "c3544ecb9d344b43fb0f69d6ad3546a49c93e15584fed5c33d6bfe48690c03f4"; ; "Applicable provision for unfair contract terms"; ; "2"; ; ; "c2023c00239.pdf, p.8"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "applies"; "Provision applies to contracts"; "(3) If paragraph (2)(b) of this section applies..."; "...subsection 12BF(2) and section 12BK of this Act apply."; "modalities::logic::deontic"; 1.0000; . . a ; ; "applies"; "Temporal relation between provisions"; "(3) If paragraph (2)(b) of this section applies..."; "...subsection 12BF(2) and section 12BK of this Act apply."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "applies"; "Ordered trace for provision application"; "(3) If paragraph (2)(b) of this section applies..."; "...subsection 12BF(2) and section 12BK of this Act apply."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "applies"; "Provision affects contracts"; "(3) If paragraph (2)(b) of this section applies..."; "...subsection 12BF(2) and section 12BK of this Act apply."; "modalities::diffusion"; 1.0000; . . a ; ; "applies"; "Artificial agent application"; "(3) If paragraph (2)(b) of this section applies..."; "...subsection 12BF(2) and section 12BK of this Act apply."; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "325(4) Application—unfair contract terms"@en; ; "d24d5214c6164307b4289896cc8b30c5b58faa9466229b2b40e54b8428a20cc0"; ; "Exempts contracts from amendments if it would result in an unfair acquisition of property."; ; "2"; ; ; "c2023c00239.pdf, p.8"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits the application of amendments to certain contracts."; "The operation of the amendments would result in an acquisition of property from a person otherwise than on just terms."; "The exemptions apply."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Exclusion"; "Exempts contracts from amendments due to temporal overlap."; "The operation of the amendments would result in an acquisition of property..."; "The exemptions apply during this time period."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Temporal Inclusion"; "Incorporates temporal logic to define the exemption period."; "The amendments do not apply to a contract, or a term of a contract..."; "The exemptions are valid during this time frame."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Knowledge Representation"; "Represents the exemption as a knowledge representation."; "The amendments do not apply to a contract, or a term of a contract..."; "The exemptions are represented by this rule."; "sparql_library::parsers::chk_parser"; 1.0000; . . a ; ; "Schema Validation"; "Validates the exemption schema."; "The amendments do not apply to a contract, or a term of a contract..."; "The exemptions conform to this schema."; "modalities::logic::shacl"; 1.0000; . a ; "8 At the end of section 12"@en; ; "f5639bb7f98aae650fa8be3877160127bf8f0e61d554c66935b86e7c9310bfd1"; "This Part operates in addition to the unfair contract terms provisions of the Australian Securities and Investments Commission Act 2001."; ; "2"; ; ; "c2023c00239.pdf, p.9"; . a ; ; ; ; ; . a ; "9 Subsection 15(2)"@en; ; "5efd48c34ec1a9b86149f5ee75a323deab27b56011621a36de6995e372a65c7f"; "Omit all words after 'but does not' and substitute with specific clauses."; ; "2"; ; ; "c2023c00239.pdf, p.9"; . a ; ; ; ; ; . . a ; ; "prohibition"; "Prohibit omission of words"; "Text"; "New text"; "modalities::logic::deontic"; 1.0000; . a ; "10 Application of amendments of the Insurance Contracts"@en; ; "d63275131f7e7a7e6535f7bf78dbf91b8ccd98931415247165398de89c9ec575"; "Amendments of Insurance Contracts Act 1984 apply to Australian Securities and Investments Commission Act 2001"; ; "2"; ; ; "c2023c00239.pdf, p.10"; . a ; ; ; ; "borne by: State"; ; . a ; "1 At the end of section 12BAA"@en; ; "7d83f5e6244e9705084c213a8d3c6ea92ca343d1b527ea74a8e810a1defa1767"; "Funeral expenses facility is not a funeral benefit for the purposes of this Act."; ; "2"; ; ; "c2023c00239.pdf, p.11"; . a ; ; ; ; ; . . a ; ; "not"; "Negative statement"; "Funeral expenses facility is not a funeral benefit"; "modalities::logic::deontic"; 1.0000; . a ; "2 Section 761A (at the end of the definition of funeral benefit)"@en; ; "679f5437cb5cf465e7fcdbbfffac5dc21d18bea9c62a3c2075496e6c380455b8"; "Note: A funeral expenses facility is not a funeral benefit."; ; "2"; ; ; "c2023c00239.pdf, p.11"; . a ; ; ; ; . a ; "3 Section 761A"@en; ; "e4157811f8ff48883bbf4449ebb89058b53ab2a760e89694c75d2e56daade42b"; "Definition of funeral expenses facility"; ; "2"; ; ; "c2023c00239.pdf, p.11"; . a ; ; ; ; ; . a ; "4 At the end of Subdivision D of Division 3 of Part 7.1"@en; ; "f552a1e79bdc74d313b3f0f000e309faa363c9b81f8db6b9d0fb2b41f0dcea48"; ; "2"; ; ; "c2023c00239.pdf, p.11"; . a ; ; ; ; . a ; "765B Funeral expenses facilities are not funeral benefits"@en; ; "3b61036ce9d1f4a3dae0f5aa4c6975c3e66b8a1a076f08e2a0e65554da2b98aa"; "Funeral expenses facilities are not considered funeral benefits."; ; "2"; ; ; "c2023c00239.pdf, p.11"; . a ; ; ; ; ; . . a ; ; "Obligate"; "Funeral expenses facilities are not considered funeral benefits."; "modalities::logic::deontic"; 1.0000; . a ; "1 Subsection 5(1)"@en; ; "69bd33fab8c664b423a01697855126898437b3d8fc3bcab8ce35799c290a8e66"; "References section 15A for definition of associate."; ; "2"; ; ; "c2023c00239.pdf, p.12"; . a ; ; ; ; . a ; "2 Subsection 5(1) (at the end of the definition of commission)"@en; ; "0d1d30b1cc0359078e6e511accf438db0aaa3665607b56f780370f1d64d5e102"; "Note on conflicted remuneration"; ; "2"; ; ; "c2023c00239.pdf, p.12"; . a ; ; ; ; "borne by: State"; ; . a ; "3 Subsection 5(1)"@en; ; "df1305a204aace9a60e520399c974589769754e273a31b876bd98fcb660ee509"; "References for definitions of conflicted remuneration, mortgage broker, and mortgage intermediary."; ; "2"; ; ; "c2023c00239.pdf, p.12"; . a ; ; ; ; . a ; "4 After section 15"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert clause after section 15"; ; "2"; ; ; "c2023c00239.pdf, p.12"; . a ; ; ; ; . a ; "15A Meaning of associate"@en; ; , ; ; "2"; ; ; "c2023c00239.pdf, p.12". a ; "15A(1) Meaning of associate"@en; ; "9421b8bfe3f0c58b83d1122df44d3813f49418d7ac6f93cfe9671b7448a8931a"; ; "Definition of associate for National Credit Code purposes"; ; "2"; ; ; "c2023c00239.pdf, p.12"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Obligate"; "Definition of associate for National Credit Code purposes"; "modalities::logic::deontic"; 1.0000; . a ; "15A(2) Meaning of associate"@en; ; "0034e61163c3aed4aef9e791878ddf96e75f903700306c4807f403dd60b1dae4"; ; "Definition of associate in mortgage brokers regulations."; ; "2"; ; ; "c2023c00239.pdf, p.12"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "is"; "Associates are defined by regulations."; "(2) In any other case, a person is an associate of another person in the circumstances prescribed by the regulations."; "a person is an associate of another person"; "modalities::logic::deontic"; 0.5000; . . a ; ; "during"; "Associates are defined during specific circumstances."; "(2) In any other case, a person is an associate of another person in the circumstances prescribed by the regulations."; "circumstances prescribed by regulations: associates"; "modalities::interval_reasoning"; 0.5000; . . a ; ; "during"; "Associates are defined during specific circumstances."; "(2) In any other case, a person is an associate of another person in the circumstances prescribed by the regulations."; "circumstances prescribed by regulations: associates"; "modalities::temporal_ltl"; 0.5000; . . a ; ; "during"; "Associates are defined during specific circumstances."; "(2) In any other case, a person is an associate of another person in the circumstances prescribed by the regulations."; "circumstances prescribed by regulations: associates"; "modalities::diffusion"; 0.5000; . . a ; ; "during"; "Associates are defined during specific circumstances."; "(2) In any other case, a person is an associate of another person in the circumstances prescribed by the regulations."; "circumstances prescribed by regulations: associates"; "sparql_library::parsers::chk_parser"; 0.5000; . a ; "15B Meaning of mortgage broker"@en; ; , ; ; "2"; ; ; "c2023c00239.pdf, p.13". a ; "15B(1) Meaning of mortgage broker"@en; ; "3dee54c84bd6fadfe20e1713ae9bdf652c9ef1b4a177fa2f1909a75ecb27b3c7"; ; "A licensee is a mortgage broker if they carry on a business of providing credit assistance in relation to credit contracts secured by mortgages over residential property."; ; "2"; ; ; "c2023c00239.pdf, p.13"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "is"; "Definition of a mortgage broker"; "(1) A licensee is a mortgage broker if: (a) the licensee carries on a business of providing credit assistance in relation to credit contracts secured by mortgages over residential property; and (b) the licensee does not perform the obligations, or exercise the rights, of a credit provider in relation to the majority of those credit contracts; and (c) in carrying on the business, the licensee provides credit assistance in relation to credit contracts offered by more than one credit provider."; "(1) A licensee is a mortgage broker if: (a) the licensee carries on a business of providing credit assistance in relation to credit contracts secured by mortgages over residential property; and (b) the licensee does not perform the obligations, or exercise the rights, of a credit provider in relation to the majority of those credit contracts; and (c) in carrying on the business, the licensee provides credit assistance in relation to credit contracts offered by more than one credit provider."; "modalities::logic::deontic"; 1.0000; . a ; "15B(2) Meaning of mortgage broker"@en; ; "17f0f63092d55a0a453b354aa6a43cc57d1c9ef41b7a32fc1b52b79ad412e82a"; ; "A credit representative is a mortgage broker if they meet specific conditions."; ; "2"; ; ; "c2023c00239.pdf, p.13"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "is"; "Definition of a mortgage broker"; "modalities::logic::deontic"; 1.0000; . a ; "15C Meaning of mortgage intermediary"@en; ; , ; ; "2"; ; ; "c2023c00239.pdf, p.13". a ; "15C(1) Meaning of mortgage intermediary"@en; ; "54a370c681974434c7cf96a0e24b1eae18e089a2818ee0386b5106accde7fca6"; ; "Licensee must act as an intermediary in relation to credit contracts."; ; "2"; ; ; "c2023c00239.pdf, p.13"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "MUST"; "Obligation"; "modalities::logic::deontic"; 1.0000; . a ; "15C(2) Meaning of mortgage intermediary"@en; ; "9eeafe9c1682b63aa581153441f7a05f5db164f2ed5ef54b8903096f6d0b5c4a"; ; "Definition of credit representative as mortgage intermediary"; ; "2"; ; ; "c2023c00239.pdf, p.13"; . a ; ; ; ; "borne by: State"; ; . a ; "5 After Part 3-5"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; ; "2"; ; ; "c2023c00239.pdf, p.14"; . a ; ; ; ; . a ; "158K Guide to this Part"@en; ; "a118d393e88c448c51e0233d89beaceb8d7617c14baf096076a8f82c9058e4aa"; "Mortgage brokers must act in the best interests of consumers."; "Credit assistance in relation to credit contracts."; ; "2"; ; ; "c2023c00239.pdf, p.14"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Must act in the best interests of consumers."; "modalities::logic::deontic"; 1.0000; . a ; "158KA Doing acts"@en; ; "3497f63c4dc145f8da0dba1499751f504f088c2817eb04191b7d98f6e137a770"; "A reference in this Part to doing an act or thing includes a reference to causing or authorising the act or thing to be done."; ; "2"; ; ; "c2023c00239.pdf, p.15"; . a ; ; ; ; "borne by: State"; ; . a ; "158KB Circumstances in which a secondary representative is taken"@en; ; "b0113d71177ace8736fd1e33b7d9b81f81f39419e255b5b487d9406357b94512"; , ; ; "2"; ; ; "c2023c00239.pdf, p.15". a ; "158KB(1) Circumstances in which a secondary representative is taken"@en; ; "fcf102036973e467387f81bd248a31a2779aea27a0303fa9cf8ef99dd6f1e4d1"; ; "A secondary representative is authorized as a credit representative of a licensee by a primary representative."; ; "2"; ; ; "c2023c00239.pdf, p.15"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "has"; "Authorization is granted"; "Primary representative authorizes secondary representative"; "Secondary representative is authorized"; "modalities::logic::deontic"; 1.0000; . a ; "158KB(2) Circumstances in which a secondary representative is taken"@en; ; "492bb1196d544fc94328cf0ecc9a2cbd52d5bc04a3cd740f3aa80b6a00bd40a4"; ; "Secondary representative acting within scope of authority"; ; "2"; ; ; "c2023c00239.pdf, p.15"; . a ; ; ; ; ; . . a ; ; "within"; "Scope of authority"; "Actual or apparent authority"; "Obligation"; "modalities::logic::deontic"; 1.0000; . a ; "158KC Obligations under this Part in addition to other obligations"@en; ; "1672584ee920b2ed70ed1f42c6e312a10b160546e5249f758cf8104111992dfd"; "Obligations under this Part in addition to other obligations"; ; "2"; ; ; "c2023c00239.pdf, p.15"; . a ; ; ; ; "borne by: State"; ; . a ; "158L Application of this Subdivision"@en; ; , ; ; "2"; ; ; "c2023c00239.pdf, p.16". a ; "158L(1) Application of this Subdivision"@en; ; "570ede50c53deee109c1fb8dbeabc28f19b9a5e7ca80bca717d02b550251fdaa"; ; "This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker."; ; "2"; ; ; "c2023c00239.pdf, p.16"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "applies"; "The provision applies to credit assistance provided by a licensee."; "(1) This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker."; "This Subdivision applies."; "modalities::logic::deontic"; 0.5000; . . a ; ; "applies"; "The provision specifies the temporal scope of application for this Subdivision."; "(1) This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker."; "This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker."; "modalities::interval_reasoning"; 0.5000; . . a ; ; "applies"; "The provision specifies the temporal scope of application for this Subdivision."; "(1) This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker."; "This Subdivision applies in relation to credit assistance provided by a licensee to a consumer in relation to a credit contract if the licensee is a mortgage broker."; "modalities::temporal_ltl"; 0.5000; . a ; "158L(2) Application of this Subdivision"@en; ; "fd88b1a8452a7f831ddbb64b79588c91bb16766866a5c554b87689a043194c26"; ; "Exemption from application of this subdivision for credit assistance provided by a credit representative acting within their actual or apparent authority."; ; "2"; ; ; "c2023c00239.pdf, p.16"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibition of application"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Exemption"; "Exemption for temporal period"; "(2) However, this Subdivision does not apply in relation to credit assistance provided by a credit representative acting within the scope of the credit representative’s actual or apparent authority from the licensee."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Temporal Exemption"; "Exemption for temporal period"; "(2) However, this Subdivision does not apply in relation to credit assistance provided by a credit representative acting within the scope of the credit representative’s actual or apparent authority from the licensee."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Entity Classification"; "Classification of entities involved"; "(2) However, this Subdivision does not apply in relation to credit assistance provided by a credit representative acting within the scope of the credit representative’s actual or apparent authority from the licensee."; "sparql_library::parsers::chk_parser"; 1.0000; . . a ; ; "Entity Validation"; "Validation of entity relationships"; "(2) However, this Subdivision does not apply in relation to credit assistance provided by a credit representative acting within the scope of the credit representative’s actual or apparent authority from the licensee."; "modalities::logic::shacl"; 1.0000; . a ; "158LA Licensee must act in the best interests of the consumer"@en; ; "8bbcd4c9912232b6e434864f96175426f8471f150eef760ac3833f8a784f83cc"; "Must act in best interests of consumer"; ; "2"; ; ; "c2023c00239.pdf, p.16"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to act in best interests"; "modalities::logic::deontic"; 1.0000; . a ; "158LB Conflict between consumer’s interests and those of the"@en; ; "ed0e67111aa799d03199905779ca5dc26f39f8d86bd5385d387bda3b94cd6db1"; "Licensee must give priority to consumer's interests when providing credit assistance."; "Yes"; ; "2"; ; ; "c2023c00239.pdf, p.16"; . a ; ; ; ; ; . . a ; ; "MUST"; "Obligation to prioritize consumer's interests"; "modalities::logic::deontic"; 1.0000; . a ; "158LD Application of this Subdivision"@en; ; "dcf7d8fd486f681c58de59e95dea9f73b91610dd1d47233c3fdbef34c94343fa"; "This Subdivision applies in relation to credit assistance provided to a consumer in relation to a credit contract by a credit representative acting within the scope of the credit representative’s actual or apparent authority from a licensee, if either the credit representative or the licensee is a mortgage broker."; ; "2"; ; ; "c2023c00239.pdf, p.17"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "applies"; "The provision applies to credit assistance provided by a credit representative."; "modalities::logic::deontic"; 1.0000; . a ; "158LE Credit representative must act in the best interests of the"@en; ; "6bfbd709d5fdc0618ab5ea71913d552464b1fad43b2fc34cf25e96f3d2a904dc"; , ; ; "2"; ; ; "c2023c00239.pdf, p.17". a ; "158LE(1) Credit representative must act in the best interests of the"@en; ; "2322e4979402eb2f8ae97f71edb4b9e8fcf28e0f47c729b6152ee2f17b036ab0"; ; "Credit representative must act in the best interests of consumers."; ; "2"; ; ; "c2023c00239.pdf, p.17"; . a ; ; ; ; "borne by: Agent"; ; . . a ; ; "MUST"; "Obligation to act in the best interests."; "modalities::logic::deontic"; 1.0000; . a ; "158LE(2) Credit representative must act in the best interests of the"@en; ; "c639df1671d4cc9e83f2b75806a0abf3311d0f8341d91177908b68d009ef3f3a"; ; "Credit representative must comply with subsection (1)"; ; "2"; ; ; "c2023c00239.pdf, p.17"; . a ; ; ; ; ; . . a ; ; "Must"; "Mandatory duty"; "modalities::logic::deontic"; 1.0000; . a ; "158LF Conflict between consumer’s interests and those of the credit"@en; ; "a8a1095899e494d8ffdfe33587277c16769a76e7c8b80f3e8a4bbb1ba37c34af"; "Credit representative must know of conflicts between consumer's interests and those of the credit representative, licensee, or their associates."; ; "2"; ; ; "c2023c00239.pdf, p.17"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Knows"; "Knowledge obligation"; "The credit representative knows or reasonably ought to know..."; "...there is a conflict between the interests of..."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Temporal overlap of knowledge and conflict"; "If the credit representative knows, or reasonably ought to know..."; "...that there is a conflict between the interests of..."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring"; "Recurring trace of knowledge and conflict"; "If the credit representative knows, or reasonably ought to know..."; "...that there is a conflict between the interests of..."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Diffuses"; "Diffusion of knowledge and conflict"; "If the credit representative knows, or reasonably ought to know..."; "...that there is a conflict between the interests of..."; "modalities::diffusion"; 1.0000; . . a ; ; "Recognizes"; "Recognition of conflicts by AI"; "If the credit representative knows, or reasonably ought to know..."; "...that there is a conflict between the interests of..."; "sparql_library::parsers::chk_parser"; 1.0000; . a ; "158N Conflicted remuneration"@en; ; "6a20029795e75033aa891789f8f24f0564094c02fc56bf336f02d2a6e31b64c4"; "Definition of conflicted remuneration"; ; "2"; ; ; "c2023c00239.pdf, p.18"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "definition"; "Defines a term with obligations"; "modalities::logic::deontic"; 1.0000; . . a ; ; "class hierarchy"; "Applies to explicit class hierarchies"; "modalities::dl"; 1.0000; . a ; "158NA Regulations may further define conflicted remuneration"@en; ; "9f3a833e21a393076592406cb65352e515c0ec2aa01a70d2de6dada3ffbce2f7"; "Ban on accepting conflicted remuneration"; ; "2"; ; ; "c2023c00239.pdf, p.18"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits accepting conflicted remuneration"; "modalities::logic::deontic"; 1.0000; . a ; "158NB Licensee must not accept conflicted remuneration"@en; ; "56eb39223011690325b4ac374333b4fc377aa1828aa9007fedb31daea04e8708"; "Licensee must not accept conflicted remuneration"; ; "2"; ; ; "c2023c00239.pdf, p.19"; . a ; ; ; ; ; . . a ; ; "Must Not"; "Prohibition of accepting conflicted remuneration"; "modalities::logic::deontic"; 1.0000; . a ; "158NC Credit representative must not accept conflicted"@en; ; "b38a48f69e29367668ca31d90f93a182882dccccc87f856868ce600362dad298"; , ; ; "2"; ; ; "c2023c00239.pdf, p.19". a ; "158NC(1) Credit representative must not accept conflicted"@en; ; "f3a66d3501ff4eb892256f3873b68de9c79187bda21a71819c5bf92d61cc501a"; ; "Credit representative must not accept conflicted remuneration."; ; "2"; ; ; "c2023c00239.pdf, p.19"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of conflicted remuneration"; "(1) A credit representative of a licensee must not accept conflicted remuneration in circumstances prescribed by the regulations if the credit representative or the licensee is:"; "modalities::logic::deontic"; 1.0000; . a ; "158NC(2) Credit representative must not accept conflicted"@en; ; "d2c3f26129aca542f208b8525c53f40334d5b21aed4608256866bafc6c6fad6e"; ; "Credit representative must comply with subsection (1)"; ; "2"; ; ; "c2023c00239.pdf, p.19"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "MUST"; "Must comply"; "modalities::logic::deontic"; 1.0000; . a ; "158ND Employer must not give employees conflicted remuneration"@en; ; , ; ; "2"; ; ; "c2023c00239.pdf, p.20". a ; "158ND(1) Employer must not give employees conflicted remuneration"@en; ; "760f9e404769e4cbca4688c738d7f53bbbed408bde1848838e45b3aa33bffaf5"; ; "Employer must not give employees conflicted remuneration"; ; "2"; ; ; "c2023c00239.pdf, p.20"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of conflicted remuneration"; "Employer must not give employees conflicted remuneration"; "modalities::logic::deontic"; 1.0000; . a ; "158ND(2) Employer must not give employees conflicted remuneration"@en; ; "f49b6d2fdb1d3cb620d0b46948cf5cfecfdb2bc4733a605ef875b06b632022a1"; ; "Employer must not give employees conflicted remuneration"; ; "2"; ; ; "c2023c00239.pdf, p.20"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of conflicted remuneration"; "Employer must not give employees conflicted remuneration"; "modalities::logic::deontic"; 1.0000; . a ; "158NE Credit provider must not give conflicted remuneration"@en; ; , ; ; "2"; ; ; "c2023c00239.pdf, p.20". a ; "158NE(1) Credit provider must not give conflicted remuneration"@en; ; "0f2bb2ab981b0559630c0c56c71c3a73337a16b374ebfe14e741e6430b0a3dec"; ; "Credit provider must not give conflicted remuneration to licensees in certain circumstances."; ; "2"; ; ; "c2023c00239.pdf, p.20"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of conflicted remuneration"; "Credit provider must not give conflicted remuneration"; "Licensee must not receive conflicted remuneration"; "modalities::logic::deontic"; 1.0000; . a ; "158NE(2) Credit provider must not give conflicted remuneration"@en; ; "d1418d271d4916b372f722d4d1f8ecf472e09c16fa7a91af5d9f497e20e57239"; ; "Credit provider must not give conflicted remuneration to mortgage brokers and intermediaries."; ; "2"; ; ; "c2023c00239.pdf, p.20"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of conflicted remuneration"; "Regulations prescribe circumstances for giving conflicted remuneration."; "Credit provider must not give conflicted remuneration."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Temporal Interval"; "Temporal interval for conflicted remuneration"; "Regulations prescribe circumstances for giving conflicted remuneration."; "Conflicted remuneration is prohibited within specified circumstances."; "modalities::interval_reasoning"; 1.0000; . . a ; ; "Recurring Trace"; "Recurring trace of regulation"; "Regulations prescribe circumstances for giving conflicted remuneration."; "Regulation applies to recurring traces of conflicted remuneration."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Diffuse"; "Diffusion of regulation"; "Regulations prescribe circumstances for giving conflicted remuneration."; "Regulation diffuses to all relevant parties."; "modalities::diffusion"; 1.0000; . a ; "158NF Mortgage intermediary must not give conflicted"@en; ; "b38a48f69e29367668ca31d90f93a182882dccccc87f856868ce600362dad298"; , ; ; "2"; ; ; "c2023c00239.pdf, p.21". a ; "158NF(1) Mortgage intermediary must not give conflicted"@en; ; "10cf894d2905cdd4616d175362f7045a4b9af95c899ebb4352a430bd61a818db"; ; "Must not give conflicted remuneration to licensees"; ; "2"; ; ; "c2023c00239.pdf, p.21"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of conflicted remuneration"; "Licensee is a mortgage broker or intermediary"; "Mortgage intermediary must not give conflicted remuneration"; "modalities::logic::deontic"; 1.0000; . a ; "158NF(2) Mortgage intermediary must not give conflicted"@en; ; "f649a97a736dd94669d605de8c817a5bef4d8324a0411f5172b44423b1a6c01a"; ; "Mortgage intermediary must not give conflicted remuneration to licensees or their representatives."; ; "2"; ; ; "c2023c00239.pdf, p.21"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibition of conflicted remuneration"; "Mortgage intermediary must not give..."; "...civil penalty."; "modalities::logic::deontic"; 1.0000; . a ; "158T Anti-avoidance"@en; ; "63dec463e0080c15a5b4c9eb0dcfdf4cc617f9010f2e761f05b0223a1ec52b9d"; "Entering into a scheme to avoid application of provisions"; ; "2"; ; ; "c2023c00239.pdf, p.21"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits entering into a scheme to avoid application of provisions"; "The person must not enter into, begin to carry out or carry out the scheme."; "The scheme is prohibited."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Trace"; "Traces the scheme to its prohibited nature"; "The scheme has achieved, or apart from this section, would achieve, that purpose."; "The scheme is traced to its prohibited nature."; "modalities::temporal_ltl"; 1.0000; . . a ; ; "Prohibit"; "Prohibits the person from entering into a scheme"; "The person must not enter into, begin to carry out or carry out the scheme."; "The person is prohibited from entering into a scheme."; "modalities::logic::deontic"; 1.0000; . . a ; ; "Prohibit"; "Prohibits the persons who entered into, began to carry out or carried out the scheme from doing so"; "The person must not enter into, begin to carry out or carry out the scheme."; "The persons are prohibited from entering into, beginning to carry out or carrying out the scheme."; "modalities::logic::deontic"; 1.0000; . a ; "6 In the appropriate position"@en; ; "8445d5cfe714f4491bdd7be3a32948e53e2a96ef2d6d75ca8d501fbc73a359c4"; "Insert in an appropriate position"; ; "2"; ; ; "c2023c00239.pdf, p.22"; . a ; ; ; ; . a ; "1 Definitions"@en; ; "b64ed620d631a163c75acdb94d37a40cc7a2b04938a13c058ba923e0d48e9d3e"; "Defines 'amending Act'"; ; "2"; ; ; "c2023c00239.pdf, p.22"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "is-a"; "Class hierarchy"; "In this Schedule:"; "amending Act means the Financial Sector Reform (Hayne Royal Commission Response—Protecting Consumers (2019 Measures)) Act 2020."; "modalities::dl"; 1.0000; . a ; "2 Application of best interests obligations"@en; ; "9eb9cef2b51b209d43c8e0909b1fcf90ff0172d1047c54ddd314f6d7fb385918"; "Division 2 of Part 3-5A applies to credit assistance on or after July 1, 2020."; ; "2"; ; ; "c2023c00239.pdf, p.22"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "applies"; "Division applies to credit assistance"; "modalities::logic::deontic"; 1.0000; . a ; "3 Application of ban on conflicted remuneration"@en; ; "33883758dc439711c26cd920bed773576970433e36af0492411ad8638be8af68"; "Ban on conflicted remuneration applies to benefits given after July 1, 2020."; ; "2"; ; ; "c2023c00239.pdf, p.22"; . a ; ; ; ; "borne by: State"; ; . . a ; ; "Prohibit"; "Prohibits benefits given after July 1, 2020."; "(1)"; "modalities::logic::deontic"; 1.0000; . . a ; ; "Overlaps"; "Benefits given after July 1, 2020, overlap with the ban on conflicted remuneration."; "(1)"; "modalities::interval_reasoning"; 1.0000; . a ; "7 Subsection 5(1)"@en; ; "f6b58488aa4c68f908fff605e39da74825be4d3c0f54fa2a6d2aec353a06ab85"; "Definition of indirect remuneration"; ; "2"; ; ; "c2023c00239.pdf, p.23"; . a ; ; ; ; "borne by: LegalPerson"; ; . . a ; ; "="; "Defines a term"; "modalities::logic::deontic"; 1.0000; . . a ; ; "="; "Applies to definitions"; "modalities::dl"; 1.0000; . a ; "8 Paragraph 92(e)"@en; ; "48106c15a363a29d5dc111b2c06c4f696416520795e431deccb8dcdb13ceac9f"; "Omit 'commissions' and substitute 'indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.23"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits the use of 'commissions'"; "modalities::logic::deontic"; 1.0000; . a ; "9 Section 111 (paragraph beginning “Division 5”)"@en; ; "1a3ecaa823bb26a31d05b6ee34fc2523ca718186d38ab406a21d896c0b1e19b4"; "Substitute 'indirect remuneration' for 'commission'"; ; "2"; ; ; "c2023c00239.pdf, p.23"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Imposes an obligation"; "modalities::logic::deontic"; 1.0000; . a ; "10 Subparagraph 113(2)(g)(i)"@en; ; "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0"; "Substitute 'indirect remuneration' for 'commissions'"; ; "2"; ; ; "c2023c00239.pdf, p.23"; . a ; ; ; ; ; . a ; "11 Subparagraph 113(2)(g)(ii)"@en; ; "f022865a1edcd6492f130341c87c79255499b650a8390f2a5532a2be50260bb1"; "Omit 'those commissions', substitute 'that indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.23"; . a ; ; ; ; ; . a ; "12 Subparagraphs 113(3)(b)(i) and (ii)"@en; ; "48106c15a363a29d5dc111b2c06c4f696416520795e431deccb8dcdb13ceac9f"; "Omit 'commissions' and substitute 'indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.23"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits the use of 'commissions'"; "modalities::logic::deontic"; 1.0000; . a ; "13 Division 5 of Part 3-1 of Chapter 3 (heading)"@en; ; "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0"; "Omit 'commissions', substitute 'indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.23"; . a ; ; ; ; ; . a ; "14 Section 121 (heading)"@en; ; "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0"; "Substitute 'indirect remuneration' for 'commissions'"; ; "2"; ; ; "c2023c00239.pdf, p.23"; . a ; ; ; ; ; . a ; "15 Paragraph 121(2)(b)"@en; ; "ed6e149b2a921e358e4377e8033fb451e1459a3d2f8a13b4ebc9e7962ff509bc"; "Substitute 'indirect remuneration' for 'commissions'"; ; "2"; ; ; "c2023c00239.pdf, p.23"; . a ; ; ; ; ; . a ; "16 Paragraphs 121(3)(a) and (b)"@en; ; "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0"; "Omit 'commissions', substitute 'indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.24"; . a ; ; ; ; ; . a ; "17 Section 134 (paragraph beginning “Division 5”)"@en; ; "1a3ecaa823bb26a31d05b6ee34fc2523ca718186d38ab406a21d896c0b1e19b4"; "Omit 'commission', substitute 'indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.24"; . a ; ; ; ; ; . a ; "18 Subparagraph 136(2)(g)(i)"@en; ; "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0"; "Omit 'commissions', substitute 'indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.24"; . a ; ; ; ; ; . a ; "19 Subparagraph 136(2)(g)(ii)"@en; ; "f022865a1edcd6492f130341c87c79255499b650a8390f2a5532a2be50260bb1"; "Omit 'those commissions', substitute 'that indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.24"; . a ; ; ; ; ; . a ; "20 Subparagraphs 136(3)(b)(i) and (ii)"@en; ; "48106c15a363a29d5dc111b2c06c4f696416520795e431deccb8dcdb13ceac9f"; "Omit 'commissions' and substitute 'indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.24"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits the use of 'commissions'"; "modalities::logic::deontic"; 1.0000; . a ; "21 Division 5 of Part 3-3 of Chapter 3 (heading)"@en; ; "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0"; "Substitute 'indirect remuneration' for 'commissions'"; ; "2"; ; ; "c2023c00239.pdf, p.24"; . a ; ; ; ; ; . a ; "22 Section 144 (heading)"@en; ; "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0"; "Substitute 'indirect remuneration' for 'commissions'"; ; "2"; ; ; "c2023c00239.pdf, p.24"; . a ; ; ; ; ; . a ; "23 Paragraph 144(2)(b)"@en; ; "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0"; "Omit 'commissions', substitute 'indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.24"; . a ; ; ; ; ; . a ; "24 Paragraphs 144(3)(a) and (b)"@en; ; "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0"; "Omit 'commissions', substitute 'indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.24"; . a ; ; ; ; ; . a ; "25 Subparagraph 158(2)(g)(i)"@en; ; "c086cb70c1ee86e80173c5f17e3d425016da900609d12ee9e5d73eba19b657f0"; "Omit 'commissions', substitute 'indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.24"; . a ; ; ; ; ; . a ; "26 Subparagraph 158(2)(g)(ii)"@en; ; "b948123c1cb07b6a5fa146e2edbd1124ca6a2c55b06f095c0bbb3e91cc8078ce"; "Omit “those commissions”, substitute ‘that indirect remuneration’."; ; "2"; ; ; "c2023c00239.pdf, p.24"; . a ; ; ; ; ; . a ; "27 Subparagraphs 158(3)(b)(i) and (ii)"@en; ; "48106c15a363a29d5dc111b2c06c4f696416520795e431deccb8dcdb13ceac9f"; "Omit 'commissions' and substitute 'indirect remuneration'"; ; "2"; ; ; "c2023c00239.pdf, p.25"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits the use of 'commissions'"; "modalities::logic::deontic"; 1.0000; . a ; "28 Subparagraph 160B(2)(a)(i)"@en; ; "2b5a94b2967f900c6b727dc2b3ff6434bc1e50be0ab8d9c42b0eac7d5eb9386c"; "Omit specific wording from a provision."; ; "2"; ; ; "c2023c00239.pdf, p.25"; . a ; ; ; ; ; . . a ; ; "Prohibit"; "Prohibits the specified action."; "modalities::logic::deontic"; 1.0000; . a ; "29 Paragraph 160B(2)(d)"@en; ; "e32bd8ab864861964c23a979beed300f4473970a502e0b36e88369f4d85d18c8"; "Substitute 'indirect remuneration' for 'commission'"; ; "2"; ; ; "c2023c00239.pdf, p.25"; . a ; ; ; ; ; . . a ; ; "Obligation"; "Substitute 'indirect remuneration' for 'commission'"; "modalities::logic::deontic"; 1.0000; . a ; "17 Feb"@en; ; "cc7d436ef98599dc9ad48c28f53b4f71b32aeca8b5c875a6f8a1767057a27c9f"; "Commencement dates for Treasury Laws Amendment (Modernising Business Communications and Other Measures) Act 2023"; ; "2"; ; ; "c2023c00239.pdf, p.29"; . a ; ; ; ; . . a ; ; "Applicable"; "Requires temporal intervals for commencement dates"; "Commencement dates are specified"; "Undertaking"; "modalities::interval_reasoning"; 1.0000; . a ; "14 Sept"@en; ; "b6049b73cdf163a3c2e54577e44036fdc58453b97c184481bb9d0e492c90446e"; "Conditional commencement of Schedule 1 item 10"; ; "2"; ; ; "c2023c00239.pdf, p.29"; . a ; ; ; ; .