Market Intelligence

Understanding how long unpaid debts remain on Australian credit reports is crucial for managing financial reputation and planning recovery from financial difficulty. This comprehensive guide examines retention periods for defaults, court judgments, bankruptcy information, and other credit listings, while explaining the regulatory framework that governs credit reporting in Australia.

In its judgement delivered on 14 May 2026, the Federal Court has found that Coles engaged in misleading conduct in relation to its long-running “Down Down” promotion, accepting the ACCC’s case that many advertised discounts were not genuine. The Court held that 13 of the 14 sample “Down Down” tickets examined in the hearing conveyed false or misleading price discount representations because the stated “was” price had not applied for a reasonable period before the promotion.

The Australian Competition and Consumer Commission has initiated Federal Court proceedings against Amazon AU, alleging that subscription contracts for Amazon Prime contain unfair terms allowing significant service changes...

Australian businesses face dramatically increased penalties for competition and consumer law breaches, with corporate fines now reaching $50 million and individual penalties rising to $2.5 million. The unfair contract terms regime has been strengthened with new pecuniary penalties applying for the first time, creating urgent compliance obligations for businesses using standard form contracts. Companies that have not yet audited their contracts against these expanded obligations are now operating at signific

AI enabled decision making systems are being increasingly used to determine dynamic pricing, assess credit eligibility, prioritise search results, and moderate content (among other decisions).

Misleading pricing occurs when a business creates a false or misleading impression about the true cost of goods or services, even where the advertised price is technically correct. Under the Australian Consumer Law, businesses must ensure consumers can understand the real price they will be required to pay, including any unavoidable fees, charges, surcharges or conditions affecting price.