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Publication date: 8 April 2024
Consultation is now closed. The deadline for submissions was 7 May 2024.
Background
On 19 December 2023, the Australian Information Commissioner received an application by the Australian Retail Credit Association (ARCA) to vary the Privacy (Credit Reporting) Code 2014 (the CR Code) in accordance with section 26T of the Privacy Act 1988. This application follows consultation conducted by the CR Code developer, ARCA, throughout 2023 in accordance with the OAIC’s Guidelines for Developing Codes.
This application gives effect to proposals outlined in the OAIC’s independent review report of the CR Code. In that report, the OAIC made 19 proposals regarding CR Code amendments which it considered were required. These proposals are summarised on pages 9 to 10 of the report.
Application materials
- Letter to the OAIC dated 19 December 2023 - application to vary the CR Code (PDF, 735 KB)
- Annexure 1 – Proposed CR Code (PDF, 657 KB)
- Annexure 2 – Proposed CR Code with changes marked (PDF, 681 KB)
- Annexure 3 – CR Code comparison table (PDF, 175 KB)
- Annexure 4 – CR Code Explanatory Statement (PDF, 544 KB)
- Annexure 5 – Soft Enquiries first-stage consultation:
- Annexure 6 –First stage consultation (other proposals):
- Annexure 7 – Second stage consultation:
Purpose of the consultation
The OAIC is now conducting additional consultation on these application materials, during which the public may provide comments. We want to hear from you about the application and how it addresses the relevant proposals.
Information about the CR Code can be accessed through our privacy codes register.
How to provide comments
Submissions can be made by:
Email: consultation@oaic.gov.au
Post: GPO Box 5218 Sydney NSW 2001
Consultation is now closed. The deadline for submissions was 7 May 2024.
Submissions received to the public consultation
- AFCA (PDF, 4187 KB)
- FinTech Australia (PDF, 94 KB)
- Harmoney, MoneyMe, Plenti, Wisr (joint submission) (PDF, 162 KB)
- IDCARE (PDF, 102 KB)
- Illion (PDF, 176 KB)
- Legal Aid Queensland (PDF, 622 KB)
- Mortgage & Finance Association of Australia (MFAA) (PDF, 110 KB)
Although you may send your comments by email or post, email is preferred.
We intend to make all submissions publicly available. Please indicate when making your submission if it contains confidential information, you don’t want made public and why it should not be published.
Requests for access to confidential comments will be determined in accordance with the Freedom of Information Act 1982.
Privacy collection statement
The OAIC will only use the personal information it collects during this consultation for the purpose of considering the application.
