The National Credit Code imposes on all holders of an Australian credit license an obligation to engage in:

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The National Credit Code imposes the obligation of "responsible lending" on all holders of an Australian credit license. This means that a lender must make a reasonable inquiry into a borrower's financial situation and assess whether the loan is suitable for them, as well as provide information about the loan and its terms in a clear and understandable manner. The aim is to protect consumers from being given loans they cannot afford to repay.

The National Credit Code Imposes on All Holders of an Australian