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In 2008, the Council of Australian Governments (COAG) agreed to a two phase implementation plan (set out in the National Credit Law Agreement 2009) for the transfer of responsibility for the regulation of credit to the Commonwealth from the States and Territories. Phase One changes commenced from 1 July 2010. Phase One of the reforms began with the commencement of the. National Consumer Credit Protection Act 2010. Credit Act) on 1 July 2010. The main features of Phase One include:. Responsible lending co...

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