Section 21RPrivacy Act 1988 (Cth)

False or misleading credit information or credit eligibility information

Offences

(1) A credit provider commits an offence if:

(a) the provider discloses credit information under section 21D; and

(b) the information is false or misleading in a material particular.

Penalty: 200 penalty units.

(2) A credit provider commits an offence if:

(a) the provider uses or discloses credit eligibility information under this Division; and

(b) the information is false or misleading in a material particular.

Penalty: 200 penalty units.

Civil penalties

(3) A credit provider must not disclose credit information under section 21D if the information is false or misleading in a material particular.

Civil penalty: 2,000 penalty units.

(4) A credit provider must not use or disclose credit eligibility information under this Division if the information is false or misleading in a material particular.

Civil penalty: 2,000 penalty units.

Sourced from the Federal Register of Legislation at 17 May 2026. For the latest information on Australian Government law please go to https://www.legislation.gov.au. Verify the current text against the official source before relying on it.

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