Section 21M — Privacy Act 1988: Permitted CP disclosures to debt collectors

(1) A disclosure by a credit provider of credit eligibility information about an individual is a permitted CP disclosure in relation to the individual if: (a) the disclosure is to a person or body that carries on a business or undertaking that involves the collection of debts on behalf of others; and (c) the information is disclosed to the person or body for the primary purpose of the person or body collecting payments that are overdue in relation to: (i) consumer credit provided by the provider to the individual; or (ii) commercial credit provided by the provider to a person; and (d) the information is information of a kind referred to in subsection (2). Note: See section 21NA for additional rules about the disclosure of credit eligibility information under this subsection. (2) The information for the purposes of paragraph (1)(d) is: (a) identification information about the individual; or (b) court proceedings information about the individual; or (c) personal insolvency information about the individual; or (d) if subparagraph (1)(c)(i) applies—default information about the individual if: (i) the information relates to a payment that the individual is overdue in making in relation to consumer credit that has been provided by the credit provider to the individual; and (ii) the provider does not hold, or has not held, payment information about the individual that relates to that overdue payment.