Credit (Administration) Regulations 1985

Credit (Administration) Regulations 1985 02-f0-00 Xml Western Australia Credit (Administration) Act 1984 Credit (Administration) Regulations 1985 Western Australia Credit (Administration) Regulations 1985 Contents 1.Citation1 2.Commencement1 3.Interpretation1 4.Prescribed fees for an application for a licence (s. 9)1 5.Duplicate licence (s. 16(2))3 6.Inspection fees (s. 19)3 7.Licence fee (s. 21(1))4 7A.Late fee under s. 21(5)5 8A.Refund of fees after referral day5 8B.Reimbursement of application fee after referral day6 8.Prescribed officer (s. 49(1)(b))7 9.Infringement notices7 10.Forms7 Schedule 1 — Prescribed offences and modified penalties Schedule 2 — Forms Notes Compilation table12 Defined terms Credit (Administration) Act 1984 Credit (Administration) Regulations 1985 1 .Citation These regulations may be cited as the Credit (Administration) Regulations 1985 . 2 .Commencement These regulations come into operation on 1 March 1985. 3 .Interpretation In these regulations unless the context otherwise requires — the Act means the Credit (Administration) Act 1984 ; the Credit Act means the Credit Act 1984 . 4 .Prescribed fees for an application for a licence (s. 9) (1)Subject to this regulation, the prescribed fee payable under section 9(2) in respect of an application for a licence shall be — (a)where the applicant was the holder of a credit providers licence under the Hire ‑Purchase Act 1959 an amount calculated as follows — where Fmeans the fee payable; and Ameans the relevant amount provided by the applicant under the previous licence as determined by the commissioner, reduced proportionately for each month of the unexpired period of the previous licence that remains after 30 April 1985; (b)where the applicant was not the holder of a licence under the Hire ‑Purchase Act 1959 an amount calculated as follows — where Fmeans the fee payable; and Ameans the actual amount of relevant credit provided in Western Australia by the licensee in the previous 12 months, but, in any event the amount payable shall be not less than $620 and shall not exceed $23 000. (1a)Where an applicant for a licence carries on or proposes to carry on business as a credit provider — (a)as a partner — the fee payable in respect of the application shall be the fee payable under subregulation (1) calculated by reference to the amount of credit provided by the partnership and divided by the number of partners in the partnership at the time of the application and, where the applicant is a partner in more than one partnership, the sum of those amounts; (b)on his own account and as a partner — the fee payable in respect of the application shall be the sum of the amounts payable under subregulation (1) and paragraph (a). (1b)Where the applicant is one of the trustees of a trust the provisions of subregulation (1a) apply as though the applicant were a partner and the other trustees were partners. (2)In subregulation (1) — previous licence means the licence issued to the applicant under the Hire ‑Purchase Act 1959 and in force immediately prior to 30 April 1985; relevant amount means the sum of the average monthly amounts of credit under the Hire ‑Purchase Act 1959 in the period of 12 months ending on 30 April 1985 to which the Credit Act would have applied had that Act been in force at that time. [Regulation 4 (erratum: Gazette 3 May 1985 p. 1586); amended: Gazette 31 May 1985 p. 1903; 21 Jun 1985 p. 2260; 13 Jun 1986 p. 1996; 4 Sep 1987 p. 3517; 29 Jul 1988 p. 2563; 30 Jun 1989 p. 1974; 1 Aug 1990 p. 3651; 13 Dec 1991 p. 6158; 14 Aug 1992 p. 4022; 30 Nov 1993 p. 6408‑9; 27 Jun 2006 p. 2253; 15 Jun 2007 p. 2770; 17 Jun 2008 p. 2548.] 5 .Duplicate licence (s. 16(2)) The prescribed fee for the issue of a duplicate licence under section 16(2) of the Act is $30. [Regulation 5 amended: Gazette 4 Sep 1987 p. 3517; 29 Jul 1988 p. 2563; 30 Jun 1989 p. 1974; 30 Nov 1993 p. 6409; 27 Jun 2006 p. 2253.] 6 .Inspection fees (s. 19) (1)The fee for an inspection of the Register of Licensed Credit Providers is $10. (2)The fee for a copy (certified or uncertified) or an extract of an individual registration in the Register of Licensed Credit Providers is $10 for the first page and $2 for each subsequent page. (3)The fee for a copy (certified or uncertified) or an extract of all registrations in the Register of Licensed Credit Providers is $122. [Regulation 6 inserted: Gazette 1 Aug 1990 p. 3651; amended: Gazette 13 Dec 1991 p. 6158; 14 Aug 1992 p. 4023; 30 Nov 1993 p. 6409.] 7 .Licence fee (s. 21(1)) (1)Subject to this regulation, the prescribed fee payable for a licence under section 21(1) of the Act is an amount calculated as follows — where Fmeans the fee payable; and Ameans the average amount of credit as determined by the Commissioner provided by the credit provider under transactions to which the Credit Act or the Code applied or applies in each of the 12 months of the period ending on the anniversary of the grant of the licence to the licensee, but in any event the amount payable shall be not less than $440 and shall not exceed $23 000. (2)Where a licensee carries on business — (a)as a partner — the fee payable under section 21(1) of the Act shall be the fee payable under subregulation (1) calculated by reference to the amount of credit provided by the partnership and divided by the number of partners in the partnership at the time that the fee is payable and, where the licensee is a partner in more than one partnership, the sum of those amounts; (b)on his own account and as a partner — the fee payable under section 21(1) of the Act shall be the sum of the amounts payable under subregulation (1) and paragraph (a). (3)Where a licensee is one of the trustees of a trust the provisions of subregulation (2) apply as though the licensee were a partner and the other trustees were partners. [Regulation 7 amended: Gazette 21 Jun 1985 p. 2261; 13 Jun 1986 p. 1996; 4 Sep 1987 p. 3517; 29 Jul 1988 p. 2563; 30 Jun 1989 p. 1974; 1 Aug 1990 p. 3651; 13 Dec 1991 p. 6158; 14 Aug 1992 p. 4023; 28 Jun 2005 p. 2902; 13 Jun 2006 p. 2056; 27 Jun 2006 p. 2253; 15 Jun 2007 p. 2771; 17 Jun 2008 p. 2548.] 7A .Late fee under s. 21(5) The late fee payable under section 21(5) of the Act shall be calculated as 10% of the licence fee with a minimum of $50. [Regulation 7A inserted: Gazette 29 Jul 1988 p. 2563.] 8A .Refund of fees after referral day (1)In this regulation — last licence fee means — (a)in the case of a superseded licence which was granted not more than the twelve months immediately before the referral day, the amount of the fee paid under section 9(2) of the Act on application for the grant of the licence; and (b)in the case of any other superseded licence, the amount of the annual fee paid under section 21(1) of the Act in respect of the year commencing on the anniversary of the date of grant which falls not more than twelve months before the referral day; refund period , in respect of a superseded licence, means the period beginning on the referral day and ending on the day before the anniversary of the grant of the licence which falls next after the referral day; superseded licence means a licence which is in force on the referral day. (2)Within 3 months after the referral day, the holder of a superseded licence may apply in writing in a form acceptable to the Commissioner for a proportionate refund of the last licence fee. (3)As soon as is reasonably practicable after receiving an application under subregulation (2), the Commissioner is to pay to the applicant an amount by way of proportionate refund of the last licence fee calculated in accordance with the following formula — $R = $F x (D/365) where — $R=the amount to be paid by way of proportionate refund; $F=the amount of the last licence fee; D=the number of days in the refund period. [Regulation 8A inserted: Gazette 30 Jun 2010 p. 3178-9.] 8B .Reimbursement of application fee after referral day Where — (a)a person applies for a licence and pays the fee required under section 9(2) of the Act; and (b)on the referral day, the Commissioner has neither granted a licence pursuant to the application nor rejected the application, as soon as is reasonably practicable after the referral day the Commissioner is to repay to the applicant the amount of the application fee. [Regulation 8A inserted: Gazette 30 Jun 2010 p. 3179.] 8 .Prescribed officer (s. 49(1)(b)) For the purposes of section 49(1)(b) of the Act — (a)the Commissioner for Consumer Affairs of the Public Service of the State; and (b)the Commissioner of Police, are prescribed officers. [Regulation 8 inserted: Gazette 10 Oct 1986 p. 3875.] 9 .Infringement notices (1)The offences specified in Schedule 1 are offences for which an infringement notice may be issued under Part 2 of the Criminal Procedure Act 2004 . (2)The modified penalty specified opposite an offence in Schedule 1 is the modified penalty for that offence for the purposes of section 5(3) of the Criminal Procedure Act 2004 . (3)The Commissioner may, in writing, appoint persons or classes of persons to be authorised officers or approved officers for the purposes of Part 2 of the Criminal Procedure Act 2004 . (4)The Commissioner is to issue to each authorised officer a certificate, badge or identity card identifying the officer as a person authorised to issue infringement notices. [Regulation 9 inserted: Gazette 22 Sep 2006 p. 4095.] 10 .Forms The forms set out in Schedule 2 are prescribed in relation to the matters specified in those forms. [Regulation 10 inserted: Gazette 22 Sep 2006 p. 4095.] Schedule 1  —  Prescribed offences and modified penalties [r. 9] [Heading inserted: Gazette 22 Sep 2006 p. 4095.] Offences under Credit (Administration) Act 1984 Modified penalty s. 6(1) Unlicensed person carrying on business of providing credit ....................................................... $2 000 s. 6(2) Unlicensed person holding out as carrying on business of providing credit .................................. $1 000 s. 14(2) Carrying on, or holding out as carrying on, business of providing credit under unauthorised name .................................................. $1 000 s. 15 Carrying on business of providing credit in partnership with unlicensed person ......................... $1 000 s. 17(1) Failing to notify change of address ......................... $200 s. 17(2) Failing to notify cessation of business at specified address ..................................................... $200 s. 26 Failing to produce licence for endorsement ............ $200 [Schedule 1 inserted: Gazette 22 Sep 2006 p. 4095‑6.] Schedule 2  —  Forms [r. 10] [Heading inserted: Gazette 22 Sep 2006 p. 4096.] Form 1 — Infringement notice Credit (Administration) Act 1984 Infringement notice Infringement notice no. Alleged offender Name: Family name Given names or Company name ____________________________________ ACN Address ________________________________________________ Postcode Alleged offence Description of offence _____________________________________ Credit (Administration) Act 1984 s. Date / /20 Time a.m./p.m. Modified penalty $ Officer issuing notice Name Signature Office Date Date of notice / /20 Notice to alleged offender It is alleged that you have committed the above offence. If you do not want to be prosecuted in court for the offence, pay the modified penalty within 28 days after the date of this notice. How to pay By post: Send a cheque or money order (payable to ‘Approved Officer — Credit (Administration) Act 1984 ’) to: Approved Officer — Credit (Administration) Act 1984 Department of Consumer and Employment Protection Locked Bag 14 Cloisters Square Perth WA 6850 In person: Pay the cashier at: Department of Consumer and Employment Protection 219 St George’s Terrace, Perth WA If you do not pay the modified penalty within 28 days, you may be prosecuted or enforcement action may be taken under the Fines, Penalties and Infringement Notices Enforcement Act 1994 . Under that Act, some or all of the following action may be taken — your driver’s licence may be suspended, your vehicle licence may be suspended or cancelled, you may be disqualified from holding or obtaining a driver’s licence or vehicle licence, your vehicle may be immobilised or have its number plates removed, your details may be published on a website, your earnings or bank accounts may be garnished, and your property may be seized and sold. If you need more time to pay the modified penalty, you can apply for an extension of time by writing to the Approved Officer at the above postal address. If you want this matter to be dealt with by prosecution in court , sign here ______________________________________ and post this notice to the Approved Officer at the above postal address within 28 days after the date of this notice. [Form 1 inserted: Gazette 22 Sep 2006 p. 4096; amended: Gazette 20 Aug 2013 p. 3827; SL 2020/163 r. 18.] Form 2 — Withdrawal of infringement notice Credit (Administration) Act 1984 Withdrawal of infringement notice Withdrawal no. Alleged offender Name: Family name Given names or Company name ___________________________________ ACN Address _______________________________________________ Postcode Infringement notice Infringement notice no. Date of issue / /20 Alleged offence Description of offence __________________________________ Credit (Administration) Act 1984 s. Date / /20 Time a.m./p.m. Officer withdrawing notice Name Signature Office Date Date of withdrawal / /20 Withdrawal of infringement notice [*delete whichever is not applicable] The above infringement notice issued against you has been withdrawn. If you have already paid the modified penalty for the alleged offence you are entitled to a refund. * Your refund is enclosed. or * If you have paid the modified penalty but a refund is not enclosed, to claim your refund sign this notice and post it to: Approved Officer — Credit (Administration) Act 1984 Department of Consumer and Employment Protection Locked Bag 14 Cloisters Square Perth WA 6850 Signature / /20 [Form 2 inserted: Gazette 22 Sep 2006 p. 4097.] Notes This is a compilation of the Credit (Administration) Regulations 1985 and includes amendments made by other written laws. For provisions that have come into operation, and for information about any reprints, see the compilation table. Compilation table Citation Published Commencement Credit (Administration) Regulations 1985 22 Feb 1985 p. 699‑700 (erratum 3 May 1985 p. 1586) 1 Mar 1985 (see r. 2) Credit (Administration) Amendment Regulations 1985 31 May 1985 p. 1903 31 May 1985 Credit (Administration) Amendment Regulations (No. 2) 1985 21 Jun 1985 p. 2260 21 Jun 1985 Credit (Administration) Amendment Regulations 1986 13 Jun 1986 p. 1996 1 Jul 1986 (see r. 2) Credit (Administration) Amendment Regulations (No. 2) 1986 10 Oct 1986 p. 3875 10 Oct 1986 Credit (Administration) Amendment Regulations 1987 4 Sep 1987 p. 3517 4 Sep 1987 Credit (Administration) Amendment Regulations 1988 29 Jul 1988 p. 2563 29 Jul 1988 Credit (Administration) Amendment Regulations 1989 30 Jun 1989 p. 1974 1 Jul 1989 (see r. 2) Credit (Administration) Amendment Regulations 1990 1 Aug 1990 p. 3651 1 Aug 1990 Credit (Administration) Amendment Regulations 1991 13 Dec 1991 p. 6158 13 Dec 1991 Credit (Administration) Amendment Regulations 1992 14 Aug 1992 p. 4022‑3 14 Aug 1992 Credit (Administration) Amendment Regulations 1993 30 Nov 1993 p. 6408‑9 30 Nov 1993 Reprint of the Credit (Administration) Regulations 1985 as at 16 Jul 1999 (includes amendments listed above) Credit (Administration) Amendment Regulations 2005 28 Jun 2005 p. 2902 1 Jul 2005 (see r. 2) Credit (Administration) Amendment Regulations (No. 3) 2006 13 Jun 2006 p. 2056 13 Jun 2006 Credit (Administration) Amendment Regulations (No. 2) 2006 27 Jun 2006 p. 2253 1 Jul 2006 (see r. 2) Credit (Administration) Amendment Regulations 2006 22 Sep 2006 p. 4094‑7 22 Sep 2006 (see r. 2(a)) Reprint 2: The Credit (Administration) Regulations 1985 as at 10 Nov 2006 (includes amendments listed above) Credit (Administration) Amendment Regulations 2007 15 Jun 2007 p. 2770-1 r. 1 and 2: 15 Jun 2007 (see r. 2(a)); Regulations other than r. 1 and 2: 1 Jul 2007 (see r. 2(b)) Credit (Administration) Amendment Regulations 2008 17 Jun 2008 p. 2548 r. 1 and 2: 17 Jun 2008 (see r. 2(a)); Regulations other than r. 1 and 2: 1 Jul 2008 (see r. 2(b)) Credit (Administration) Amendment Regulations 2010 30 Jun 2010 p. 3177-9 1 Jul 2010 (see r. 2(a)(ii), (b)(ii) and Gazette 30 Jun 2010 p. 3187) Credit (Administration) Amendment Regulations 2013 20 Aug 2013 p. 3827 r. 1 and 2: 20 Aug 2013 (see r. 2(a)); Regulations other than r. 1 and 2: 21 Aug 2013 (see r. 2(b) and Gazette 20 Aug 2013 p. 3815) Commerce Regulations Amendment (Infringement Notices) Regulations 2020 Pt. 9 SL 2020/163 25 Sep 2020 29 Sep 2020 (see r. 2(b) and SL 2020/159 cl. 2(a)) Defined terms [This is a list of terms defined and the provisions where they are defined. The list is not part of the law.] Defined term Provision(s) last licence fee8A(1) previous licence4(2) refund period8A(1) relevant amount4(2) superseded licence 8A(1) the Act3 the Credit Act3