A submission led by Financial Rights with Financial Counselling Australia, Consumer Action Law Centre, Consumer Credit Legal Service (WA) Inc, Uniting Communities Law Centre, Care, Redfern Legal Centre and Consumer Policy Research Centre. It makes recommendations in response to the review of the Privacy (Credit Reporting) Code 2014 (Version 2.1) including that the OAIC breaks up the Credit Reporting Code into principles-based consumer facing provisions and the technical industry-facing provisions. It would be critical that the consumer-facing principles take precedence in any conflict with the technical provisions and are consumer-tested before being finalised.