National Consumer Credit Protection Act 2009

A credit provider must in accordance with this section, at the written request of a debtor, mortgagor or guarantor, provide to the debtor, mortgagor or guarantor a copy of:

the credit contract, mortgage or guarantee; or

any credit‑related insurance contract in the credit provider’s possession; or

a notice previously given to the debtor, mortgagor or guarantor under this Code.

The copy must be provided:

within 14 days, if the original came into existence one year or less before the request is given; or

within 30 days, if the original came into existence more than one year before the request is given.

Section 196 provides for the date on which notice is taken to be given.

A credit provider must provide a copy of a notice which requires a debtor, mortgagor or guarantor to take action if requested in accordance with subsection (1) even though the contract has been discharged or terminated but only if the request is made within 2 years of the discharge or termination.

Subsections (1) and (3) are offences of strict liability.

For strict liability, see section 6.1 of the Criminal Code.