{
  "service": "Creditcrest Documents",
  "version": "1.0.0",
  "not_a_decision": "This records which documents were given and when, and refuses a step until they have been. It does not write or approve a document and is not an opinion that a document complies. Creditcrest Technologies is not a credit provider, is not a credit assistance provider, and does not hold an Australian credit licence. Its software produces evidence; the licensee makes the decision.",
  "stores": "nothing",
  "steps": [
    "apply",
    "assess",
    "offer",
    "contract",
    "disburse"
  ],
  "sources": {
    "credit_guide": {
      "cite": "National Credit Act s 126(1) and (2)",
      "quote": "A licensee must, as soon as practicable after it becomes apparent to the licensee that it is likely to enter a credit contract with a consumer who will be the debtor under the contract, give the consumer the licensee’s credit guide in accordance with subsection (2). … The licensee’s credit guide must: (a) be in writing; and (b) be in the form (if any) prescribed by the regulations; and (c) specify the licensee’s name and contact details; and (d) specify the licensee’s Australian credit licence number; and (e) give information about the licensee’s procedure for resolving disputes with a consumer, including contact details for a consumer to access: (i) the licensee’s internal dispute resolution procedure; and (ii) the AFCA scheme; and (f) give information about the licensee’s obligations under sections 132 and 133 …"
    },
    "tmd": {
      "cite": "Corporations Act s 994B, as stated in ASIC RG 274.137 (the section itself was not read for this file)",
      "quote": "A TMD must be made publicly available before any person distributes a financial product that is subject to the design and distribution obligations: see s994B(2). This applies to new products the issuer offers, and existing products that continue to be offered after the design and distribution obligations commence."
    },
    "sacc_information": {
      "cite": "National Credit Act s 133CB(1) and (2), and s 124B in the same words for credit assistance",
      "quote": "If a licensee represents that the licensee enters into, or is able to enter into, small amount credit contracts with consumers under which the licensee would be the credit provider, the licensee must: (a) display information; and (b) give information to consumers; in accordance with any determination made by ASIC under subsection (2). … ASIC may, by legislative instrument, determine one or more of the following matters …"
    },
    "precontractual": {
      "cite": "National Credit Code s 16(1) and (2)",
      "quote": "A credit provider must not enter into a credit contract (other than a low cost credit contract) unless the credit provider has given the debtor: (a) a precontractual statement setting out the matters required by section 17 to be included in the contract document; and (b) an information statement in the form required by the regulations of the debtor’s statutory rights and statutory obligations. … Those statements must be given: (a) before the contract is entered into; or (b) before the debtor makes an offer to enter into the contract; whichever first occurs."
    },
    "key_facts_sheet": {
      "cite": "National Credit Act s 133AD(1) and (2)",
      "quote": "This section applies if: (a) either: (i) a consumer makes a request to a licensee (otherwise than by using a website of the licensee) to be provided with a Key Facts Sheet for one or more standard home loans of the licensee that are specified in the request; or (ii) the regulations require a consumer, in circumstances prescribed by the regulations, to be provided with a Key Facts Sheet … The licensee must, in accordance with any requirements prescribed by the regulations: (a) provide the consumer with a Key Facts Sheet containing up-to-date information for the standard home loan …",
      "note": "Division 2 of Part 3-2A (ss 133AB–133AF) is present in compilation No. 52 of 1 July 2026. The regulations that prescribe further circumstances were not read, so this gate applies only when the consumer asked."
    },
    "assessment_copy": {
      "cite": "National Credit Act s 132(1)",
      "quote": "If, before entering the credit contract or increasing the credit limit, the consumer requests the licensee for a copy of the assessment, the licensee must give the consumer a written copy of the assessment before entering the contract or increasing the credit limit."
    }
  },
  "endpoints": {
    "POST /v1/documents/register": "{product, context?} — what the product must give, and before which step",
    "POST /v1/documents/version": "{doc: {key, version, effectiveFrom, text}} — checked for placeholders and hashed",
    "POST /v1/documents/proceed": "{step, given: [{key, version, sha256, givenOn}], product, context?, library?, onDay?}",
    "POST /v1/documents/assessment-copy": "{requestedOn, creditDay?}"
  }
}