Hon Dr DAVID CLARK (Minister of Commerce and Consumer Affairs): The Government is making amendments to responsible lending rules to curb any unintended consequences that might be caused by the Credit Contract and Consumer Finance Act (CCCFA) legislation. The amendments we're making are informed by the feedback I've received from banks, from other lenders, from consumers, and from budget advisers, and they sit comfortably within the intent of the Act. During my meetings with banks in particular, I've detected little enthusiasm for wholesale changes to the Act but instead a preference for practical amendments which ensure the purposes of the legislation are best met.