Financial Sector Reform Act 2022

A lessor must not make, or arrange for the making of, an unsolicited communication to consumer if:

the communication is for the purpose of inducing the consumer to apply for, or obtain, a consumer lease for household goods; and

when the consumer receives the communication, the consumer is in the physical presence of the lessor or the person making the communication; and

when the consumer receives the communication, the consumer is in:

a public place; or

a place that is not a business premises of a business of the lessor; or

a stall that is being used by the lessor or by the person making the communication; or

an aircraft, vehicle or vessel that is being used by the lessor or by the person making the communication.

A person commits an offence if:

the person is subject to a requirement under subsection (1); and

the person engages in conduct; and

the conduct contravenes the requirement.

A person commits an offence of strict liability if the person contravenes subsection (1).

If:

a lessor makes, or arranges for the making of, an unsolicited communication to a consumer in contravention of subsection (1); and

the lessor enters into a consumer lease for household goods with that consumer within 30 days after that unsolicited communication is made;

the consumer is not liable (and is taken never to have been liable) to pay any amount under that consumer lease that exceeds the base price of the goods hired under that consumer lease (whether or not the liability is imposed consistently with the National Credit Code); and

the consumer may recover as a debt due to the consumer any amounts paid by the consumer that, in accordance with paragraph (c) of this subsection, the consumer is not liable to pay (or is taken never to have been liable to pay).