Commonwealth Consolidated Acts

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PRIVACY ACT 1988 - SECT 6R

Meaning of information request

Credit provider

             (1)  A credit provider has made an information request in relation to an individual if the provider has sought information about the individual from a credit reporting body:

                     (a)  in connection with an application for consumer credit made by the individual to the provider; or

                     (b)  in connection with an application for commercial credit made by a person to the provider; or

                     (c)  for a credit guarantee purpose of the provider in relation to the individual; or

                     (d)  for a securitisation related purpose of the provider in relation to the individual.

Mortgage insurer

             (2)  A mortgage insurer has made an information request in relation to an individual if:

                     (a)  the insurer has sought information about the individual from a credit reporting body; and

                     (b)  the information was sought in connection with the provision of insurance to a credit provider in relation to mortgage credit provided by the provider to:

                              (i)  the individual; or

                             (ii)  a person for whom the individual is, or is proposing to be, a guarantor.

Trade insurer

             (3)  A trade insurer has made an information request in relation to an individual if:

                     (a)  the insurer has sought information about the individual from a credit reporting body; and

                     (b)  the information was sought in connection with the provision of insurance to a credit provider in relation to commercial credit provided by the provider to the individual or another person.



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