Project status: Completed

This study seeks to analyse the adequacy of the current regulation of the payday lending industry in Australia, and considers whether there is a need for additional regulation to protect consumers of these services. The study examines the different regulatory approaches adopted in comparable OECD countries, and reviews alternative models for payday regulation, in particular, the role played by responsible lending.

The study also examines the consumer protection mechanisms now in existence in Australia in the National Consumer Credit Protection Act 2009 (Cth) (NCCP) and the National Credit Code (NCC) contained in Schedule 1 of that Act and in the Australian Securities and Investments Commission Act 2001 (Cth).
  • Department of Justice and Attorney-General (Qld) - Legal Practitioner Interest on Trust Account Fund Scheme
  • National Financial Services Federation (NFSF)
Research leader
Research team
Organisational unit
Lead unit Faculty of Law Other units
Research areas


  • Queensland Office of Fair Trading
  • National Financial Services Federation (NFSF)