Credit Reporting

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Part IIIA of the Privacy Act governs the handling of credit reports and other credit worthiness information about individuals by credit reporting agencies and credit providers. The Privacy Act ensures that the use of this information is restricted to assessing applications for credit lodged with a credit provider and other legitimate activities involved with giving credit.

Commercial credit information is not regulated by Part IIIA of the Privacy Act, however it is regulated by the National Privacy Principles where a credit reporting agency is bound by them.

Please go to the Credit Reporting pages in the federal Privacy Act section of this web site for the following information:

• A copy of Part IIIA
• Key Requirements of Part IIIA
• Credit Reporting Code of Conduct
• Credit Reporting Determinations
• Credit Reporting Advice Summaries
• Credit Audits
• Credit Reporting Fact Sheets