Consumer policy framework

Part I: Introduction

• Part II: Commonwealth Consumer Protection Regime
  • 2.1   Introduction
  • 2.2   TPA and the Corporations Act
  • 2.3   TPA and the ASIC Act
  • 2.4   Consumer Protection for Financial Services
  • 2.5   Review Recommendation
• Part III: Comparison of Commonwealth TPA with State and Territory Fair Trading Regimes
  • 3.1   Introduction
  • 3.2   Comparative Table
  • 3.3   Material differences between TPA and FTAs
• S2A/2B: Application of the TPA
  • 3.4   Introduction
  • 3.5   Application to the Crown
  • 3.6   Crown not liable for penalty or prosecution
  • 3.7   Extra-territoriality and Conflict of Laws
• S4: Definition of consumer
  • 3.8   Introduction
  • 3.9   Comparison of definitions of consumer
  • 3.10   What are the material differences between the FTA's and TPA?
  • 3.11   Summary of Review Issues
  • 3.12   Introduction
  • 3.13   Unconscionable conduct within the meaning of the unwritten law of the States and Territories.
  • 3.14   Unconscionable conduct in trade or commerce
  • 3.15   Unconscionable conduct in trade or commerce in relation to business transactions
• Pt IVB: Industry codes
  • 3.16   Introduction
  • 3.17   TPA Provisions
  • 3.18   State Regimes
  • 3.19   Comparison of additional provisions in FTAs
• Pt V: Consumer protection (except div 1AA)
  • 3.20   Introduction
• Pt V Div 1
  • 3.21   Misleading or Deceptive Conduct
  • 3.22   Representations in relation to a future matter
  • 3.23   Specific Misleading Conduct Provisions
  • 3.24   Statement re Price of goods
  • 3.25   Advertising in relation to Goods
  • 3.26   Unsolicited Goods
  • 3.27   Summary of Additional Provisions in State FTAs not present in TPA
• Pt V Div 1A
  • 3.28   Consumer information and product safety
• Pt V Div 2
  • 3.29   Comparison of Non-excludable Implied Warranties and Conditions in the Trade Practices Act and State Regimes
• Pt V Div 2A
  • 3.30   Actions against Manufacturers and Importers
• Pt VC: Offences
  • 3.31   Introduction
  • 3.32   Comparison of penalties by state
  • 3.33   Comparison of Maximum Penalties for Offences by Bodies Corporate
  • 3.34   Comparison of maximum penalties for individuals
  • 3.35   Material Differences
  • 3.36   Comparison of PART VC, TPA and FTAs: Offences
• Pt VI: Enforcement and Remedies
  • 3.37   Introduction
  • 3.38   Injunctions
  • 3.39   Non-punitive Orders
  • 3.40   Undertakings
  • 3.41   Recommendations for Additional Enforcement Powers
  • 3.42   State and Territory Enforcement (Unfair conduct)
  • 3.43   Remedies under the Commonwealth Regime
  • 3.44   Remedies for breach of Implied Terms
  • 3.45   Remedies under the State and Territory regime
  • 3.46   Remedies for breach of implied terms State and Territory legislation
  • 3.47   Enforcement Powers
  • 3.48   Remedies
  • 3.49   Material differences
• Pt VIA: Proportionate liability for misleading or deceptive conduct
  • 4.1   Introduction
  • 4.2   TPA Framework
  • 4.3   Material differences
  • 4.4   Apportionable Claim - TPA and CLAs
  • 4.5   Excluded Wrongdoers
• Pt VIB: Claims for damages or compensation for death or personal injuries (compared to negligence/ other avenues for redress under State and Territory laws)
  • 5.1   Introduction
  • 5.2   TPA Framework
  • 5.3   Availability of damages for death or personal injury in TPA & FTAs
  • 5.4   Compensation for loss or damage
  • 5.5   Limitation of liability for provision of recreational services
  • 5.6   Maximum damages available
  • 5.7   Cap on damages for loss of earnings
  • 5.8   Threshold for damages
  • 5.9   Court may refer to past decision in determining non-economic loss
  • 5.10   Abolition of aggravated and exemplary damages
  • 5.11   Gratuitous care
  • 5.12   Availability of Structured Settlements
• State and Territory legislation which deals with unfair and unjust terms
  • 6.1   Contracts Review Act 1980 (NSW)
  • 6.2   Part 2B of the Fair Trading Act 1999 (Vic)
  • 6.3   Material Differences
• Summary of Material Differences and Recommendations for Review