National Consumer Credit Protection Act 2009
Short title: NCCP Act
In forceact
Summary
Federal regulation of consumer credit. Establishes the ACL (Australian Credit Licence) regime. Schedule 1 contains the National Credit Code (NCC). Responsible lending obligations in Chapter 3 — credit providers must not enter credit contracts unsuitable for consumers. From 10 June 2025, captures BNPL as low-cost credit contracts.
Topics
creditresponsible-lendingafcabnpl
Administered by
Source: https://www.legislation.gov.au/C2009A00134/latest. Rules Mate summarises and links; we don't republish full statutory text. Always verify against the live source before acting.