Australia National Consumer Credit Protection Act 2009 (Cth) s128-131: ss 128 to 131 Assess unsuitability, after reasonable inquiries and verification, within 90 days before credit is provided

A credit provider must not enter a credit contract, increase a credit limit, or unconditionally tell a consumer they are eligible, unless within the previous 90 days it has made an assessment covering that period of whether the contract will be unsuitable, after making reasonable inquiries about the consumer's requirements, objectives and financial situation and taking reasonable steps to verify the financial situation (90 days of bank statements for small amount credit). It must assess the contract as unsuitable when the s 131 tests are met.