The provision of credit plays an important part in our modern lives. Whether supplying us with credit cards, lending us money to buy a car or a house, or supplying a product or service prior to receiving payment (e.g. electricity, phone), many of us rely on credit to acquire the things we need in our everyday lives.

This section provides information that is useful to be aware of when dealing with the credit industry, including what information should be included in a credit contract; what facts the credit provider must disclose to a borrower before a credit contract is entered into; and information about personal credit files and credit reporting.


Gerard Brody

CEO, Consumer Action Law Centre

Understanding credit and finance: Contacts

Australian Financial Complaints Authority (AFCA)
Tel: 1800 931 678

Australian Securities and Investments Commission (ASIC)
Level 7, 120 Collins Street, Melbourne Vic 3000
Tel: 1300 300 630

Consumer Action Law Centre (CALC)
Tel (consumer legal advice line): 1800 466 477 (Monday, Wednesday, Thursday, Friday, 10 am to 1 pm)

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