---
title: "Responsible lending assessment file"
url: "https://ailawframework.com/precedents/banking-and-finance/responsible-lending-assessment-file"
type: "precedent"
site: "AI Law Framework"
id: "a3-responsible-lending-assessment-file"
area_id: "A3"
kind: "form"
ai_level: "yellow"
version: 1
task_ids: ["A3-J20261018-2"]
law_stated_as_at: "2026-10-22"
---

# Responsible lending assessment file

> File index for the inquiries and the unsuitability assessment a licensee must make before entering or increasing a credit contract. The licensee makes the assessment.

Canonical page: https://ailawframework.com/precedents/banking-and-finance/responsible-lending-assessment-file  
Law stated as at: 2026-10-22

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

- Kind: Form. A form to complete, or a guide to completing an official one.
- Practice area: [Banking & Finance](https://ailawframework.com/precedents/banking-and-finance.md)
- Jurisdictions: Commonwealth
- AI level: Yellow. You and the tool draft together, with you directing. You check every statement you rely on.
- Law stated as at: 2026-10-22
- Status: Maintained. Checked on 2026-10-22 against the 4 authorities it cites, for Commonwealth.

## When to use it

Use when assembling the responsible lending file for a consumer credit contract, or an increase in the credit limit, before the contract is entered.

## Used for these tasks

- [Build the responsible lending assessment file for a consumer loan](https://ailawframework.com/practice/banking-and-finance/build-the-responsible-lending-assessment-file-for-a-consumer-loan.md)

## How AI may be used

The tool slots document titles and dates into the section 130 rows, and the licensee writes whether the contract will be unsuitable.

**AI may:**

- Enter the document title and date for each inquiry the licensee has already collected.
- Enter the proposed credit day and count back 90 days, for the licensee to check.

**AI must not:**

- Do not tick that the contract is suitable or unsuitable.
- Do not make an unconditional representation that the consumer is eligible.
- Do not enter the contract. Section 128 prohibits entry on the credit day unless the assessment and the section 130 inquiries were made within the prior period.

**The lawyer checks:**

- The period in section 128 is 90 days, or another period prescribed by the regulations. The regulations were not opened.
- Apply section 131(2): likely inability to comply, or compliance only with substantial hardship, or the contract will not meet requirements or objectives, or circumstances prescribed by the regulations.
- Section 131(4) limits the information that is taken into account. Part 3-2BA for low cost credit contracts was not opened.

## Authorities

- [National Consumer Credit Protection Act 2009 (Cth) s 128](https://www.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/nccpa2009377/s128.html)
- [National Consumer Credit Protection Act 2009 (Cth) s 129](https://www.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/nccpa2009377/s129.html)
- [National Consumer Credit Protection Act 2009 (Cth) s 130](https://www.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/nccpa2009377/s130.html)
- [National Consumer Credit Protection Act 2009 (Cth) s 131](https://www.austlii.edu.au/cgi-bin/viewdoc/au/legis/cth/consol_act/nccpa2009377/s131.html)

## Full text and drafting notes

The full text and the drafting notes are not part of this public page. Signed-in firm accounts can read them at https://ailawframework.com/precedents/banking-and-finance/responsible-lending-assessment-file and through the signed-in MCP connector https://ailawframework.com/mcp/firm.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*