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Resources on credit and finance

This page is intended to provide a list of key resources about the finance sector and privacy. For further information and guidance material to help you understand the credit and TFN provisions in the Privacy Act 1988 (Privacy Act):

Tax file numbers

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Credit reporting

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Other places to go

Note: the following websites were not created and are not endorsed by the OAIC. The descriptions below were supplied by the organisations listed.

CreditSmart
The Australian Retail Credit Association (ARCA) has published a new website CreditSmart.org.au that provides a range of tools and tips to help educate consumers about credit reporting in Australia.

Australian Competition and Consumer Commission
ACCC publish a range of brochures, fact sheets, reports, consultation papers, research findings and other publications for consumers, businesses, regulated industries and other stakeholders. This includes information on debt collection and consumer rights.

MoneySmart
MoneySmart is run by the Australian Securities and Investment Commission, Australia’s corporate, markets and financial services regulator. MoneySmart provides a variety of advice and resources for Australian consumers, including advice on borrowing and credit.

RG 96 Debt collection guidelines: for collectors and creditors
The Australian Competition and Consumer Commission and the Australian Securities and Investments Commission have jointly produced Regulatory Guide 96 Debt collection guideline: for collectors and creditors. The guideline applies to both creditors who are directly involved in debt collection and to specialist external agencies who provide debt collection services. The guideline also provides helpful guidance for debtors.

SCAMwatch
SCAMwatch is run by the ACCC and provides information to consumers and small businesses about how to recognise, avoid and report scams.

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