Enforcement and Hardship
Enforcement and Hardship - ACL
Version 2.0 -
Last updated: 27 Aug. 2022
This bundle is designed to enable credit licensees to develop policies for enforcing credit contracts and dealing with customers experiencing hardship. The guidance aligns to the requirements in the National Consumer Credit Protection Act 2009, the National Credit Code and associated regulations. It includes notices for proceeding with enforcement, and a register to track what enforcement steps have been undertaken.
Included documents
| Document | Version | Type | Date |
|---|---|---|---|
| Enforcement Policy - ACL | 2.0 | Policy | 27 Aug. 2022 |
| Hardship Policy - ACL | 2.0 | Policy | 27 Aug. 2022 |
| Statement of Financial Position Template - ACL | 2.0 | Tool | 27 Aug. 2022 |
| Consent to Enter Premises Template (for Consumer Lease) - ACL | 2.0 | Tool | 27 Aug. 2022 |
| Consent to Enter Premises Template (for Credit Contract) - ACL | 2.0 | Tool | 27 Aug. 2022 |
| Default Notice Template (for Consumer Lease) - ACL | 2.0 | Tool | 27 Aug. 2022 |
| Default Notice Template (for Credit Contract) - ACL | 2.0 | Tool | 27 Aug. 2022 |
| Direct Debit Notice Template (for Consumer Lease) - ACL | 1.0 | Tool | 25 Sept. 2020 |
| Direct Debit Notice Template (for Credit Contract) - ACL | 1.0 | Tool | 25 Sept. 2020 |
| Notice after Taking Possession of Mortgaged Goods Template - ACL | 2.0 | Tool | 27 Aug. 2022 |
| Notice regarding Surrender of Mortgaged Goods Template - ACL | 2.0 | Tool | 27 Aug. 2022 |
| Enforcement Registers - ACL | 2.0 | Register | 27 Aug. 2022 |