Credit Act 1985

Number: A1985-5
Status: Repealed

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Repealed law
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Repeal version

Effective	Files/Formats	Version	Published	Notes
7 October 2010	HTML PDF Word	R12	7 October 2010	Republication for repeal

Administering Minister and Directorate

Attorney-General - Department of Justice and Community Safety

Legislative instruments

Legislative instruments under the Act and its subordinate laws

Name	Status	Classifier	Type	Under	Effective	Year and No
Credit Regulation 1985(Repealed)	Repealed		Subordinate laws	s 257	28 February 1985 - 6 October 2010	SL1985-5
Credit Regulations (Amendment)(Repealed)	Repealed		Subordinate laws	s 266	15 March 1994 - 29 March 2001	SL1994-6
Credit Regulations (Amendment)(Repealed)	Repealed		Subordinate laws	s 266	5 October 1994 - 29 March 2001	SL1994-33
Credit Regulations (Amendment)(Repealed)	Repealed		Subordinate laws	s 266	16 October 1991 - 29 March 2001	SL1991-25
Credit Regulations (Amendment)(Repealed)	Repealed		Subordinate laws	s 266	19 July 1990 - 29 March 2001	SL1990-9
Credit (Fees) Determination 1995(Repealed)	Repealed	Fee	Disallowable instruments	s 263	27 June 1995 - 31 October 1996	DI1995-62
Credit (Finance Brokers) Declaration 1995(Repealed)	Repealed		Disallowable instruments	s 19	28 August 1995 - 6 October 2010	DI1995-123
Credit (Fees) Determination 1994(Repealed)	Repealed	Fee	Disallowable instruments	s 263	27 June 1994 - 26 June 1995	DI1994-70
Credit (South Australian Asset Management Corporation) Exemption 1994(Repealed)	Repealed		Disallowable instruments	s 19	20 July 1994 - 6 October 2010	DI1994-109
Credit (South Australia Asset Management Corporation) Exemption 1994(Repealed)	Repealed		Disallowable instruments	s 19	20 July 1994 - 6 October 2010	DI1994-110
Credit (Citibank) Exemption 1994(Repealed)	Repealed		Disallowable instruments	s 19	8 August 1994 - 6 October 2010	DI1994-114
Credit (Lease of Motor Vehicle as Employment Remuneration) Determination 1994(Repealed)	Repealed		Disallowable instruments	s 19	8 September 1994 - 6 October 2010	DI1994-132
Credit (Credit Hawking) Declaration 1996(Repealed)	Repealed		Disallowable instruments	s 19	12 March 1996 - 6 October 2010	DI1996-16
Credit (Commonwealth Bank of Australia) Determination 1996(Repealed)	Repealed		Disallowable instruments	s 19	16 April 1996 - 27 April 1998	DI1996-30
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 185	3 May 1996 - 15 February 1997	DI1996-48
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 185	3 May 1996 - 15 February 1997	DI1996-49
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 189	3 May 1996 - 15 February 1997	DI1996-50
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 189	3 May 1996 - 15 February 1997	DI1996-51
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 189	3 May 1996 - 15 February 1997	DI1996-52
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 189	8 August 1996 - 31 October 1996	DI1996-174
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 189	8 August 1996 - 31 October 1996	DI1996-175
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 189	8 August 1996 - 31 October 1996	DI1996-176
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 189	8 August 1996 - 31 October 1996	DI1996-177
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 185	8 August 1996 - 31 October 1996	DI1996-178
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 189	8 August 1996 - 31 October 1996	DI1996-179
Credit Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 189	24 October 1996 - 31 October 1996	DI1996-245
Credit Tribunal Appointment 1996(Repealed)	Repealed	Appointment	Disallowable instruments	s 189	23 December 1996 - 23 December 1997	DI1996-293
Credit (Continuing Credit Contracts–Fees and Charges) Declaration 1993(Repealed)	Repealed	Fee	Disallowable instruments	s 19	24 September 1993 - 6 October 2010	DI1993-130
Credit (Fees) Determination 1993(Repealed)	Repealed	Fee	Disallowable instruments	s 263	30 June 1993 - 12 September 2001	DI1993-73
Credit (Fees) Determination 1993(Repealed)	Repealed	Fee	Disallowable instruments	s 263	1 July 1993 - 26 June 1994	DI1993-71
Credit Order (AGC Personal Line of Credit) Declaration 1992(Repealed)	Repealed		Disallowable instruments	s 19	17 December 1992 - 6 October 2010	DI1992-178
Credit Order (R and I Bank of Western Australia Ltd (Mastercards)) Declaration 1992(Repealed)	Repealed		Disallowable instruments	s 19	17 December 1992 - 6 October 2010	DI1992-177
Credit (Diners Finance Pty Ltd) Exemption 1992(Repealed)	Repealed		Disallowable instruments	s 19	5 February 1992 - 6 October 2010	DI1992-6
Credit (Rental Purchase Contracts) Exemption 1992(Repealed)	Repealed		Disallowable instruments	s 19	19 February 1992 - 6 October 2010	DI1992-11
Credit Order (Commonwealth Bank (Visa Cards)) Declaration 1992(Repealed)	Repealed		Disallowable instruments	s 19	17 November 1992 - 6 October 2010	DI1992-163
Credit Order (R and I Bank of Western Australia Bank Cards) Declaration 1992(Repealed)	Repealed		Disallowable instruments	s 19	25 September 1992 - 6 October 2010	DI1992-148
Credit (St George Visa Card Products) Exemption 1992(Repealed)	Repealed		Disallowable instruments	s 19	1 July 1992 - 6 October 2010	DI1992-111
Credit (Fees) Determination 1992(Repealed)	Repealed	Fee	Disallowable instruments	s 263	30 June 1992 - 30 June 1993	DI1992-85
Credit (Fees) Determination 1990(Repealed)	Repealed	Fee	Disallowable instruments	s 263	1 August 1990 - 12 September 2001	DI1990-45
Credit (Fees) Determination 1991(Repealed)	Repealed	Fee	Disallowable instruments	s 263	8 January 1991 - 29 June 1992	DI1991-113
Credit (Fees) Determination 1991(Repealed)	Repealed	Fee	Disallowable instruments	s 263	1 July 1991 - 29 June 1992	DI1991-27
Credit Order(Repealed)	Repealed		Notifiable instruments	s 17	2 May 1990 - 6 October 2010	NI1990-124
Credit (Order No 49) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	21 February 1990 - 31 May 1990	DI1990-99
Credit (Order No 58) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	21 February 1990 - 31 May 1990	DI1990-100
Credit (Order No 59) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	21 February 1990 - 31 May 1990	DI1990-101
Credit (Order No 55) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	28 February 1990 - 1 June 1990	DI1990-102
Credit (Order No 53) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	7 March 1990 - 1 June 1990	DI1990-103
Credit (Order No 56) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	7 March 1990 - 1 June 1990	DI1990-104
Credit (Order No 57) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	14 March 1990 - 1 June 1990	DI1990-105
Credit (Order No 63) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	14 March 1990 - 1 June 1990	DI1990-106
Credit (Order No 51) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	11 April 1990 - 15 August 1990	DI1990-107
Credit (Order No 52) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	11 July 1990 - 19 October 1990	DI1990-108
Credit (Order No 62) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	16 July 1990 - 19 October 1990	DI1990-109
Credit (Order No 53) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	26 September 1990 - 14 December 1990	DI1990-110
Credit (Order No 54) Declaration 1990(Repealed)	Repealed		Disallowable instruments	s 19	3 October 1990 - 14 December 1990	DI1990-111
Credit (Order No 55) Declaration 1991(Repealed)	Repealed		Disallowable instruments	s 19	3 April 1991 - 15 August 1991	DI1991-126
Credit (Order No 67) Declaration 1991(Repealed)	Repealed		Disallowable instruments	s 19	31 October 1991 - 28 March 1992	DI1991-133
Credit (Order No 68) Declaration 1991(Repealed)	Repealed		Disallowable instruments	s 19	31 October 1991 - 28 March 1992	DI1991-134
Credit (Order No 69) Declaration 1991(Repealed)	Repealed		Disallowable instruments	s 19	31 October 1991 - 28 March 1992	DI1991-135
Credit (Order No 70) Declaration 1991(Repealed)	Repealed		Disallowable instruments	s 19	7 November 1991 - 28 March 1992	DI1991-136
Credit Regulations (Amendment)(Repealed)	Repealed		Subordinate laws	s 266	1 September 1986 - 29 March 2001	SL1986-18
Credit Regulations (Amendment)(Repealed)	Repealed		Subordinate laws	s 266	1 September 1986 - 29 March 2001	SL1986-17
Credit Regulations (Amendment)(Repealed)	Repealed		Subordinate laws	s 266	1 September 1986 - 29 March 2001	SL1986-19
Credit Regulations (Amendment)(Repealed)	Repealed		Subordinate laws	s 266	6 May 1987 - 29 March 2001	SL1987-4

Approved forms

Legislative instruments under the Act and its subordinate laws

Form name/number	Status	Description	Made for	Effective	Year and No	CategoryAll
Credit Act 1985—Form 2 (Repealed)	Repealed	Notice in relation to offer to enter into contract	s 32 (1)	12 September 2001 - 6 October 2010	AF2002-71	ShowInAll
Credit Act 1985—Form 3 (Repealed)	Repealed	Notice in relation to offer by credit provider	s 32 (3)	12 September 2001 - 6 October 2010	AF2002-72	ShowInAll
Credit Act 1985—Form 4 (Repealed)	Repealed	Things you should know about your credit sale contract or loan contract	s 34	12 September 2001 - 6 October 2010	AF2002-73	ShowInAll
Credit Act 1985—Form 5 (Repealed)	Repealed	Things you should know about cooling-off periods under add-on contracts	s 37	12 September 2001 - 6 October 2010	AF2002-74	ShowInAll
Credit Act 1985—Form 6 (Repealed)	Repealed	Things you should know about your continuing credit contract	s 58	12 September 2001 - 6 October 2010	AF2002-75	ShowInAll
Credit Act 1985—Form 8 (Repealed)	Repealed	Notice after taking possession of mortgaged goods	s 112	12 September 2001 - 6 October 2010	AF2002-76	ShowInAll
Credit Act 1985—Form 9 (Repealed)	Repealed	Notice for bill of exchange or promissory note taken as security	s 120	12 September 2001 - 6 October 2010	AF2002-77	ShowInAll
Credit Act 1985—Form 10 (Repealed)	Repealed	Guarantors—notice of intended legal action	s 138	12 September 2001 - 6 October 2010	AF2002-78	ShowInAll
Credit Act 1985—Form 11 (Repealed)	Repealed	Things you should know about guarantees	s 142	12 September 2001 - 6 October 2010	AF2002-79	ShowInAll
Credit Act 1985—Form 12 (Repealed)	Repealed	Home finance contract—notice	s 153	12 September 2001 - 6 October 2010	AF2002-80	ShowInAll

Point-in-time versions

Enter a date to find a version from 28 February 1985 onwards:

The following table lists 29 point in time versions. You can skip this and jump to the next tab.
Effective	Files/Formats	Version	Published	Notes
7 October 2010	HTML PDF Word	R12	7 October 2010	Republication for repeal
22 September 2009 - 6 October 2010	HTML PDF Word	R11	22 September 2009	Republication for amendments by A2009-20
2 February 2009 - 21 September 2009	HTML PDF Word	R10*	2 February 2009	Republication for amendments by A2008-36
11 July 2007 - 1 February 2009	HTML PDF Word	R9	11 July 2007	Republication for amendments by A2007-16
23 February 2005 - 10 July 2007	HTML PDF Word	R8	23 February 2005	Republication for amendments by A2005-2
22 March 2004 - 22 February 2005	HTML PDF Word	R7	22 March 2004	Republication for amendments by A2004-2
13 September 2002 - 21 March 2004	HTML PDF Word	R6	13 September 2002	Republication for commenced expiry
12 September 2001 - 12 September 2002	HTML PDF Word	R5	9 August 2002	Republication for amendments by A2000-17, A2001-44 and A2001-56
1 June 2000 - 4 September 2001	HTML PDF Word	R4D	30 November 2012	Republication for amendments by A2000-17
9 March 2000 - 31 May 2000	HTML PDF Word	R4C	30 November 2012	Republication for amendments by A2000-2
10 November 1999 - 8 March 2000	HTML PDF Word	R4B	30 November 2012	Republication for amendments by A1999-66
1 July 1999 - 9 November 1999	HTML PDF Word	R4A	30 November 2012	Republication for amendments by A1999-33
30 November 1996 - 30 June 1999	HTML PDF Word	R4 (RI)	30 November 2012	Republication for amendments by A1995-19 and A1996-42 Reissued electronic republication of printed version
1 July 1996 - 31 October 1996	HTML PDF Word	R3C	30 November 2012	Republication for amendments by A1996-26
18 December 1995 - 30 June 1996	HTML PDF Word	R3B	30 November 2012	Republication for amendments by A1995-46
5 September 1995 - 17 December 1995	HTML PDF Word	R3A	30 November 2012	Republication for amendments by A1995-25
15 December 1994 - 4 September 1995	HTML PDF Word	R3 (RI)	30 November 2012	Republication for amendments by A1994-97 Reissued electronic republication of printed version
14 November 1994 - 14 December 1994	HTML PDF Word	R2D	30 November 2012	Republication for amendments by A1994-60
5 October 1994 - 13 November 1994	HTML PDF Word	R2C	30 November 2012	Republication for amendments by A1994-50
1 July 1994 - 4 October 1994	HTML PDF Word	R2B	30 November 2012	Republication for amendments by A1994-38 and includes retrospective amendments by A1994-50
31 May 1994 - 30 June 1994	HTML PDF Word	R2A	30 November 2012	Republication for amendments by A1994-26 and includes retrospective amendments by A1994-50
27 August 1993 - 30 May 1994	HTML PDF Word	R2 (RI No 2)	30 November 2012	Republication for amendments by A1993-44 Reissued for retrospective amendments by A1994-50
27 August 1993 - 30 May 1994	HTML PDF Word	R2 (RI)	30 November 2012	Republication for amendments by A1993-44 Does not include retrospective amendments by A1994-50 (see reissued republication No 2). Reissued electronic republication of printed version
1 March 1993 - 26 August 1993	HTML PDF Word	R1C	30 November 2012	Republication for amendments by A1993-1 and includes retrospective amendments by A1994-50
28 November 1992 - 28 February 1993	HTML PDF Word	R1B	30 November 2012	Republication for amendments by A1992-9 and includes retrospective amendments by A1994-50
1 July 1992 - 27 November 1992	HTML PDF Word	R1A	30 November 2012	Republication for amendments by A1992-30 and includes retrospective amendments by A1994-50
4 June 1992 - 30 June 1992	HTML PDF Word	R1 (RI No 2)	30 November 2012	Republication for initial republication since self-government Reissued for retrospective amendments by A1994-50
4 June 1992 - 30 June 1992	HTML PDF Word	R1 (RI)	30 November 2012	Republication for initial republication since self-government Does not include retrospective amendments by A1994-50 (see reissued republication No 2). Reissued electronic republication of printed version
28 February 1985	HTML PDF Word	As notified	26 February 1985	This ordinance became an ACT Act on 11 May 1989 (see Australian Capital Territory (Self-Government) Act 1988 (Cwlth) s 34 (4))

Notification statement

The Credit Ordinance 1985 was notified in the Commonwealth Gazette on 26 February 1985 (Cwlth Gaz 1985 No S53).

(Parliamentary Counsel)

Ordinance as notified

Date notified	Effective	Files/Formats	Notes
26 February 1985	28 February 1985	HTML PDF Word	This ordinance became an ACT Act on 11 May 1989 (see Australian Capital Territory (Self-Government) Act 1988 (Cwlth) s 34 (4))

Explanatory statement

Version	Published	Files/Formats
As presented	26 February 1985	PDF PDF

Commencement

Provision	Commencement date	Commencement method
s 1, s 2	26 February 1985	s 2 (1)
ss 3-155, 156 (1)-(3), 157-178, 179 (1), (2) (b), (c), (3), (4), 180-243 and 245-266	28 February 1985	s 2 (2) and Cwlth Gaz 1985 No S59
ss 156 (4)-(6)	10 June 1987	s 2 (2) and Cwlth Gaz 1987 No GN6
s 179 (2) (a)	1 November 1987	s 2 (2) and Cwlth Gaz 1987 No S295
s 244	never commenced	omitted before commencement by A2001-56 amdt 3.238

Repeal

Year and number	Repealing law	Repealing provision	Commencement date
A2010-40	Justice and Community Safety Legislation Amendment Act 2010 (No 3)	s 4 (1)	6 October 2010