Australia: Consumer Credit

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Consumer protection law thought leadership, articles, podcasts, videos and webinars from expert sources across the legal world. Explore insights covering topics that involve consumer protection regulations and the developing law surrounding them from specialists working in this area.

Card Payments Costs And Surcharging Reforms – What It Means For The Payments Industry

On 31 March 2026, the Reserve Bank of Australia (RBA) published its conclusions paper titled Merchant Card Payments Costs and Surcharging.

Australia Consumer

KG

K&L Gates LLP

Preventing Licence Cancellations And Suspensions

For many financial services and credit businesses, holding an Australian Financial Services Licence (AFSL) or Australian Credit Licence is fundamental to operating lawfully in Australia.

Australia Finance

SG

Sophie Grace Pty Ltd

NSW Court of Appeal clarifies misleading or deceptive conduct in commercial supply agreements

The NSW Court of Appeal's decision reinforces orthodox principles governing misleading or deceptive conduct.

Australia Consumer

BP

Bartier Perry

Australian Government Consults on the Enhanced Regulatory Sandbox

The submission emphasises the need for a risk-based approach that better reflects existing consumer protections already embedded in Australian law.

Australia Consumer

PA

Piper Alderman

TMT Trends 2026: Digital Infrastructure And Emerging Technology Regulation

Australia Consumer

CC

Corrs Chambers Westgarth

Responsible Lending In The Spotlight – Lessons From ASIC v Money3 Loans Pty Ltd (No 3)

Australia Finance

KL

Herbert Smith Freehills Kramer LLP

Case note: Barfuss Corporation Pty Ltd (ACN 006 917 666) v Shelley Claire King & Jenny Patricia Miles [2025] VSC 487

Australia Commercial

P

PCL Lawyers

ASIC Enforcement – Credit Licensees

Australia Finance

SG

Sophie Grace Pty Ltd

Buy Now Pay Later reforms have commenced: what does this mean for you?

Australia Consumer

HN

Holley Nethercote

Commercial Debts Don't Age Well!

Australia Consumer

P

PCL Lawyers

Legal Tips for Handling Client Disputes in Professional Services

Australia Consumer

L

LegalVision

AFSL Cancelled After CSLR Payment

Australia Finance

SG

Sophie Grace Pty Ltd

It's not fixed price, if you believe it: The curious case of the cost plus Payment Claim

Australia Consumer

PA

Piper Alderman

Unconscionable Conduct – Optus agrees to $100m penalty

Australia Consumer

PA

Piper Alderman

Removal from WhatsApp groups used for rostering can amount to dismissal

Australia About Mondaq

GC

Gilchrist Connell

Essential ESG: Episode 26 – Insights From The 2025 UN Forum On Business And Human Rights

Australia Environment

CC

Corrs Chambers Westgarth

Essential ESG: Episode 25 – Operating Responsibly In Conflict-affected Areas: The Role Of Grievance Mechanisms

Australia Commercial

CC

Corrs Chambers Westgarth

Tom Silvagni Rape Case | Tom Silvagni Sentence

Australia Criminal

CD

Criminal Defence Lawyers Australia

ADR In Personal Injury Claims: A Comparison Between The Approach In England And Wales And Queensland, Australia (Podcast)

Australia Litigation

GC

Gatehouse Chambers

How Do I Recover a Debt From an Individual?

There are steps you can take to maximise the chances of individual debtors paying up and also avoid the time and cost of issuing legal proceedings.

Australia Consumer

L

LegalVision

BNPL – Low Cost Credit Contract Providers

ASIC has released its guidance for providers of low cost credit contracts, who will be subject to modified responsible lending obligations.

Australia Finance

SG

Sophie Grace Pty Ltd

Can you serve a statutory demand by email in Australia?

This article explores whether a statutory demand can be validly served by email under Australian law, following major reforms to the Corporations Act 2001 (Cth).

Australia Litigation

SL

Stonegate Legal

ASIC Review Of Consumer Leases

ASIC has conducted a review of consumer leases, to evaluate the implementation of the reforms which commenced in 2023.

Australia Finance

SG

Sophie Grace Pty Ltd

ZIP – Infringe Now. Pay Later?

Australia Consumer

SF

Spruson & Ferguson

ACCC issues warnings to Australian businesses following a sweep of retail website policies, terms and conditions

Australia Consumer

CG

Cooper Grace Ward

The new Scams Prevention Framework: key considerations for regulated entities

Australia Consumer

CC

Corrs Chambers Westgarth

ASIC Prepares Guidance Following The Release Of BNPL Regulations

Australia Consumer

KG

K&L Gates LLP

Family Loan Agreements

Australia Compliance

U

Unified Lawyers

How Do I Recover a Debt From an Individual?

Australia Consumer

L

LegalVision

ASIC's Legal Battle Over Unaddressed Customer Hardship Notices

Australia Finance

SG

Sophie Grace Pty Ltd

2025: ASIC Enforcement Priorities

Australia Compliance

PA

Piper Alderman

Litigation Funding Comparative Guide

Australia Finance

PA

Pencarrow Associates Pty Limited

BNPL Regulation Takes The Final Step In Australia

Australia Consumer

KG

K&L Gates LLP

ASIC's Legal Battle Over Unaddressed Customer Hardship Notices

ASIC to focus on misconduct against financially vulnerable consumers and protecting consumers from financial harm.

Australia Finance

SG

Sophie Grace Pty Ltd

2025: ASIC Enforcement Priorities

Protecting Australian consumers from financial harm due to cost of living pressures.

Australia Compliance

PA

Piper Alderman

Litigation Funding Comparative Guide

Litigation Funding Comparative Guide for the jurisdiction of Australia, check out our comparative guides section to compare across multiple countries

Australia Finance

PA

Pencarrow Associates Pty Limited

BNPL Regulation Takes The Final Step In Australia

On 29 November 2024, the Australian Parliament passed the long-awaited Treasury Laws Amendment (Responsible Buy Now Pay Later and Other Measures) Bill 2024 (Bill).

Australia Consumer

KG

K&L Gates LLP

Get on the front foot before debts spiral

Australia Consumer

MO

Mellor Olsson Lawyers

Short term credit facilities and continuing credit contracts – complying with product intervention orders

ASIC has issued Consultation Paper 371, proposing an extension of the Credit PI Orders until 1 October 2032.

Australia Finance

SG

Sophie Grace Pty Ltd

Westpac's alleged breach and the severe consequences if proven: ASIC's legal battle over unaddressed customer hardship notices.

ASIC's allegations revolve around Westpac's purported failure to promptly address customer hardship notices.

Australia Finance

SG

Sophie Grace Pty Ltd

ASIC Strengthens Oversight Of Credit And Debt Management

ASIC will utilise its full range of powers to protect consumers seeking credit.

Australia Finance

SG

Sophie Grace Pty Ltd

Federal Government to remove loophole for Buy Now Pay Later providers

BNPL providers should consider this new regulatory regime and be ready to comply with new credit licensee obligations.

Australia Consumer

HN

Holley Nethercote

ASIC's Enforcement Action On Responsible Lending Practices

Australia Finance

SG

Sophie Grace Pty Ltd

Q&As for lenders – dealing with financial assistance requests

Australia Finance

SG

Sophie Grace Pty Ltd

Insights into the Australian credit industry

Australia Insolvency

CP

Cathro & Partners

Treasury pays in three with release of BNPL Options Paper

Australia Consumer

CC

Corrs Chambers Westgarth

Higher interest rates in commercial lending and interest rate cap under the National Consumer Credit Protection Act

Australia Finance

PA

Piper Alderman

Buy Now Pay Later (BNPL) Update: Regulation under the National Consumer Credit Protection Act 2009 within 12 months

Australia Consumer

HW

Holman Webb Lawyers

Buy Now Pay Later (BNPL) Update: How to seek and keep code compliance accreditation

Australia Consumer

HW

Holman Webb Lawyers

Australian IPO Review 2021: Can You Forecast In A Pandemic?

Australia Coronavirus

HS

Herbert Smith Freehills Kramer LLP

Credit reports – Credible, or incredible?

Australia Finance

HL

HHG Legal Group

Inside Track: Competition & Consumer Law - In the media, Practice and regulation, and Cases

Australia Anti-trust

HR

Holding Redlich

Debt management and credit repair companies will soon be required to hold an Australian Credit Licence

Australia Finance

HH

Hunt & Hunt

Credit defaults in the commercial scene – what to be aware of!

Australia Consumer

GP

Gavin Parsons

Responsible lending obligations (RLOs) to be scrapped!

Australia Consumer

HN

Holley Nethercote

ASIC product intervention power aimed at lenders outside the Credit Code

Australia Finance

BP

Bennett & Philp Lawyers

COVID-19: The ticking credit crunch time bomb – ASIC issues Guidelines to Retail Lenders on dealing with loan repayment deferrals

Australia Finance

CO

Carroll & O'Dea

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Latest Videos

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Insights into the Australian credit industry

CP

Cathro & Partners

CU LAB: Will responsible lending obligations soon apply to retail investors?

CU

Clayton Utz

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