New Lending Protections for Small Business

ASIC releases guidance on new protections for small businesses against unfair lending contract terms. The Treasury Legislation Amendment (Small Business and Unfair Contract Terms) Act 2015 extends the protections contained in th...

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Responsible Lending Obligations: Saving Borrowers from Themselves

Credit legislation often has a "sting in the tail” - something that was not readily apparent when the legislation was first framed but then comes back to haunt credit providers down the track. We are reminded of what happened...

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Consumer Leasing – a Perfect Storm

The recent release by the Australian Securities and Investments Commission (ASIC) of its report on the cost of consumer leases for household goods (Report 447), coupled with other recent changes, is likely to create a perfect stor...

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Proposed new "unfair contract" laws

If you contract with small businesses here are some things you need to know about proposed new unfair contract laws. What is changing? The Government has released an exposure draft of a bill will amend the Competition and Consum...

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Reprieve from APRA for Religious Charitable Development Funds

The Australian Prudential Regulation Authority (APRA) has today released revised proposals on changes to the exemption order under the Banking Act 1959 (Cth) for religious charitable development funds (RCDFs). These are a response...

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Wrinkle Free Dental Work?

Dentists using botox injections (botulinum toxin) and dermal fillers in their practice must do so in accordance with the requirements of the Dental Board of Australia and other regulatory authorities. Injectable botulinum toxin...

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