the discloser is an eligible whistleblower in relation to a regulated entity; and

the disclosure is made to any of the following:

ASIC;

APRA;

a Commonwealth authority prescribed for the purposes of this subparagraph in relation to the regulated entity; and

subsection (4) or (5) applies to the disclosure.

the discloser is an eligible whistleblower in relation to a regulated entity; and

the disclosure is made to an eligible recipient in relation to the regulated entity; and

subsection (4) or (5) applies to the disclosure.

the regulated entity; or

if the regulated entity is a body corporate—a related body corporate of the regulated entity.

the regulated entity, or an officer or employee of the regulated entity;

if the regulated entity is a body corporate—a related body corporate of the regulated entity, or an officer or employee of a related body corporate of the regulated entity;

constitutes an offence against, or a contravention of, a provision of any of the following:

this Act;

the ASIC Act;

(iii) the Banking Act 1959;

(iv) the Financial Sector (Collection of Data) Act 2001;

(v) the Insurance Act 1973;

(vi) the Life Insurance Act 1995;

(vii) the National Consumer Credit Protection Act 2009;

(viii) the Superannuation Industry (Supervision) Act 1993;

an instrument made under an Act referred to in any of subparagraphs (i) to (viii); or

constitutes an offence against any other law of the Commonwealth that is punishable by imprisonment for a period of 12 months or more; or

represents a danger to the public or the financial system; or

is prescribed by the regulations for the purposes of this paragraph.

an officer of the regulated entity;

an employee of the regulated entity;

an individual who supplies services or goods to the regulated entity (whether paid or unpaid);

an employee of a person that supplies services or goods to the regulated entity (whether paid or unpaid);

an individual who is an associate of the regulated entity;

for a regulated entity that is a superannuation entity:

(i) an individual who is a trustee (within the meaning of the Superannuation Industry (Supervision) Act 1993), custodian (within the meaning of that Act) or investment manager (within the meaning of that Act) of the superannuation entity; or

an officer of a body corporate that is a trustee, custodian or investment manager of the superannuation entity; or

an employee of an individual referred to in subparagraph (i) or a body corporate referred to in subparagraph (ii); or

an individual who supplies services or goods to an individual referred to in subparagraph (i) or a body corporate referred to in subparagraph (ii) (whether paid or unpaid); or

an employee of a person that supplies services or goods to an individual referred to in subparagraph (i) or a body corporate referred to in subparagraph (ii) (whether paid or unpaid);

a relative of an individual referred to in any of paragraphs (a) to (f);

a dependant of an individual referred to in any of paragraphs (a) to (f), or of such an individual’s spouse;

an individual prescribed by the regulations for the purposes of this paragraph in relation to the regulated entity.

a company;

a corporation to which paragraph 51(xx) of the Constitution applies;

(c) an ADI (within the meaning of the Banking Act 1959), an authorised NOHC (within the meaning of that Act) or a subsidiary of an ADI or an authorised NOHC;

(d) a general insurer (within the meaning of the Insurance Act 1973), an authorised NOHC (within the meaning of that Act) or a subsidiary of a general insurer or an authorised NOHC;

(e) a life company (within the meaning of the Life Insurance Act 1995), a registered NOHC (within the meaning of that Act) or a subsidiary of a life company or a registered NOHC;

(f) a superannuation entity or a trustee (within the meaning of the Superannuation Industry (Supervision) Act 1993) of a superannuation entity;

an entity prescribed by the regulations for the purposes of this paragraph.

an officer or senior manager of the body corporate or a related body corporate;

an auditor, or a member of an audit team conducting an audit, of the body corporate or a related body corporate;

an actuary of the body corporate or a related body corporate;

a person authorised by the body corporate to receive disclosures that may qualify for protection under this Part.

an officer of the superannuation entity;

an auditor, or a member of an audit team conducting an audit, of the superannuation entity;

an actuary of the superannuation entity;

(d) an individual who is a trustee (within the meaning of the Superannuation Industry (Supervision) Act 1993) of the superannuation entity;

(e) a director of a body corporate that is the trustee (within the meaning of the Superannuation Industry (Supervision) Act 1993) of the superannuation entity;

(f) a person authorised by the trustee or trustees (within the meaning of the Superannuation Industry (Supervision) Act 1993) of the superannuation entity to receive disclosures that may qualify for protection under this Part.

(a) the discloser has previously made a disclosure of that information (the previous disclosure) that qualifies for protection under this Part under subsection 1317AA(1); and

at least 90 days have passed since the previous disclosure was made; and

the discloser does not have reasonable grounds to believe that action is being, or has been, taken to address the matters to which the previous disclosure related; and

the discloser has reasonable grounds to believe that making a further disclosure of the information in accordance with this subsection would be in the public interest; and

after the end of the period referred to in paragraph (b), the discloser gave the body to which the previous disclosure was made a written notification that:

includes sufficient information to identify the previous disclosure; and

states that the discloser intends to make a public interest disclosure; and

the public interest disclosure is made to:

a member of the Parliament of the Commonwealth, the Parliament of a State or the legislature of a Territory; or

a journalist; and

the extent of the information disclosed in the public interest disclosure is no greater than is necessary to inform the recipient referred to in paragraph (f) of the misconduct or the improper state of affairs or circumstances referred to in subsection 1317AA(4) or the conduct referred to in subsection 1317AA(5), as the case may be.

(a) the discloser has previously made a disclosure of that information (the previous disclosure) that qualifies for protection under this Part under subsection 1317AA(1); and

the discloser has reasonable grounds to believe that the information concerns a substantial and imminent danger to the health or safety of one or more persons or to the natural environment; and

the discloser gives the body to which the previous disclosure was made a written notification that:

includes sufficient information to identify the previous disclosure; and

states that the discloser intends to make an emergency disclosure; and

the emergency disclosure is made to:

a member of the Parliament of the Commonwealth, the Parliament of a State or the legislature of a Territory; or

a journalist; and

the extent of the information disclosed in the emergency disclosure is no greater than is necessary to inform the recipient referred to in paragraph (d) of the substantial and imminent danger.

a newspaper or magazine;

a radio or television broadcasting service;

an electronic service (including a service provided through the internet) that:

(i) is operated on a commercial basis, or operated by a body that provides a national broadcasting service (within the meaning of the Broadcasting Services Act 1992); and

is similar to a newspaper, magazine or radio or television broadcast.

concerns a personal work-related grievance of the discloser; and

does not concern a contravention, or an alleged contravention, of section 1317AC that involves detriment caused to the discloser or a threat made to the discloser.

the information concerns a grievance about any matter in relation to the discloser’s employment, or former employment, having (or tending to have) implications for the discloser personally; and

the information:

does not have significant implications for the regulated entity to which it relates, or another regulated entity, that do not relate to the discloser; and

does not concern conduct, or alleged conduct, referred to in paragraph 1317AA(5)(c), (d), (e) or (f).

an interpersonal conflict between the discloser and another employee;

(b) a decision relating to the engagement, transfer or promotion of the discloser;

a decision relating to the terms and conditions of engagement of the discloser;

a decision to suspend or terminate the engagement of the discloser, or otherwise to discipline the discloser.

(a) another person (the discloser) makes a disclosure of information (the qualifying disclosure) that qualifies for protection under this Part; and

(b) the first person discloses any of the following (the confidential information):

the identity of the discloser;

information that is likely to lead to the identification of the discloser; and

the confidential information is information that the first person obtained directly or indirectly because of the qualifying disclosure; and

the disclosure referred to in paragraph (b) is not authorised under subsection (2) or (3).

is made to ASIC; or

is made to APRA; or

(c) is made to a member of the Australian Federal Police (within the meaning of the Australian Federal Police Act 1979); or

is made to a legal practitioner for the purpose of obtaining legal advice or legal representation in relation to the operation of this Part; or

is made to a person or body prescribed by the regulations for the purposes of this paragraph; or

is made with the consent of the discloser.

(a) is made by ASIC, APRA or a member of the Australian Federal Police (within the meaning of the Australian Federal Police Act 1979); and

is made to a Commonwealth authority, or a State or Territory authority, for the purpose of assisting the authority in the performance of its functions or duties.

the disclosure referred to in paragraph (1)(b):

is not of the identity of the discloser; and

is reasonably necessary for the purposes of investigating a matter referred to in subsection 1317AA(4) or (5) to which the qualifying disclosure relates; and

the first person takes all reasonable steps to reduce the risk that the discloser will be identified as a result of the disclosure referred to in paragraph (1)(b).

the person is not subject to any civil, criminal or administrative liability (including disciplinary action) for making the disclosure; and

no contractual or other remedy may be enforced, and no contractual or other right may be exercised, against the person on the basis of the disclosure; and

if the disclosure qualifies for protection under this Part under subsection 1317AA(1) or section 1317AAD—the information is not admissible in evidence against the person in criminal proceedings or in proceedings for the imposition of a penalty, other than proceedings in respect of the falsity of the information.

when the first person engages in the conduct, the first person believes or suspects that the second person or any other person made, may have made, proposes to make or could make a disclosure that qualifies for protection under this Part; and

the belief or suspicion referred to in paragraph (c) is the reason, or part of the reason, for the conduct.

(a) the first person engages in conduct (detrimental conduct) that:

(i) causes any detriment to another person (the second person); or

(ii) constitutes the making of a threat to cause any such detriment to another person (the second person); and

when the first person engages in the detrimental conduct, the first person believes or suspects that the second person or any other person made, may have made, proposes to make or could make a disclosure that qualifies for protection under this Part; and

the belief or suspicion referred to in paragraph (b) is the reason, or part of the reason, for the detrimental conduct.

the first person is or was an officer or employee of a body corporate; and

paragraphs (1)(a), (b) and (c) of this section apply to the body corporate because of detrimental conduct engaged in by the body corporate; and

the first person:

aided, abetted, counselled or procured the detrimental conduct; or

induced, whether by threats or promises or otherwise, the detrimental conduct; or

was in any way, by act or omission, directly or indirectly, knowingly concerned in, or party to, the detrimental conduct; or

conspired with others to effect the detrimental conduct.

(a) another person (the third person) engages in conduct (detrimental conduct) that:

(i) causes any detriment to a person (the second person) other than the first person or the third person; or

(ii) constitutes the making of a threat to cause any such detriment to a person (the second person) other than the first person or the third person; and

when the third person engages in the detrimental conduct, the third person believes or suspects that the second person or any other person made, may have made, proposes to make or could make a disclosure that qualifies for protection under this Part; and

the belief or suspicion referred to in paragraph (b) is the reason, or part of the reason, for the detrimental conduct; and

the first person is under a duty to prevent the third person engaging in the detrimental conduct, or a duty to take reasonable steps to ensure that the third person does not engage in the detrimental conduct; and

the first person fails in part or whole to fulfil that duty.

the person seeking the order bears the onus of adducing or pointing to evidence that suggests a reasonable possibility of the matters in:

if subsection (1) of this section applies—paragraph (1)(a); or

if subsection (2) of this section applies—paragraph (1)(a), as mentioned in paragraph (2)(b); or

if subsection (2A) of this section applies—paragraphs (2A)(a) and (d); and

if that onus is discharged—the other person bears the onus of proving that the claim is not made out.

express or implied; or

conditional or unconditional.

dismissal of an employee;

injury of an employee in his or her employment;

alteration of an employee’s position or duties to his or her disadvantage;

discrimination between an employee and other employees of the same employer;

harassment or intimidation of a person;

harm or injury to a person, including psychological harm;

damage to a person’s property;

damage to a person’s reputation;

damage to a person’s business or financial position;

any other damage to a person.

an order requiring the first person to compensate the second person, or any other person, for loss, damage or injury suffered as a result of the detrimental conduct;

if the court is satisfied that the first person engaged in the detrimental conduct in connection with the first person’s position as an employee:

an order requiring the first person to compensate the second person, or any other person, for a part of loss, damage or injury as a result of the detrimental conduct, and an order requiring the first person’s employer to compensate the second person, or any other person, for a part of loss, damage or injury as a result of the detrimental conduct; or

an order requiring the first person and the first person’s employer jointly to compensate the second person, or any other person, for loss, damage or injury suffered as a result of the detrimental conduct; or

an order requiring the first person’s employer to compensate the second person, or any other person, for loss, damage or injury as a result of the detrimental conduct;

an order granting an injunction, on such terms as the court thinks appropriate, to prevent, stop or remedy the effects of the detrimental conduct;

an order requiring the first person to apologise to the second person, or any other person, for engaging in the detrimental conduct;

if the second person is or was employed in a particular position and the detrimental conduct wholly or partly consists, or consisted, of the termination, or purported termination, of the second person’s employment—an order that the second person be reinstated in that position or a position at a comparable level;

if the court thinks it is appropriate—an order requiring the first person to pay exemplary damages to the second person, or any other person;

any other order the court thinks appropriate.

whether the employer took reasonable precautions, and exercised due diligence, to avoid the detrimental conduct;

if the employer has a policy dealing with any or all of the matters referred to in subsection 1317AI(5) (whether or not section 1317AI requires the employer to have such a policy)—the extent to which the employer gave effect to that policy;

any duty that the employer was under to prevent the detrimental conduct, or to take reasonable steps to ensure that the detrimental conduct was not engaged in.

to disclose to a court or tribunal:

the identity of the discloser; or

information that is likely to lead to the identification of the discloser; or

to produce to a court or tribunal a document containing:

the identity of the discloser; or

information that is likely to lead to the identification of the discloser;

it is necessary to do so for the purposes of giving effect to this Part; or

the court or tribunal thinks it necessary in the interests of justice to do so.

the court is satisfied that the claimant instituted the proceedings vexatiously or without reasonable cause; or

the court is satisfied that the claimant’s unreasonable act or omission caused the other party to incur the costs.

have a policy that sets out the matters referred to in subsection (5); and

make that policy available to officers and employees of the company.

have a policy that sets out the matters referred to in subsection (5); and

make that policy available to officers and employees of the company.

have a policy that sets out the matters referred to in subsection (5); and

make that policy available to officers and employees of the company.

information about the protections available to whistleblowers, including protections under this Part; and

information about to whom disclosures that qualify for protection under this Part may be made, and how they may be made; and

information about how the company will support whistleblowers and protect them from detriment; and

information about how the company will investigate disclosures that qualify for protection under this Part; and

information about how the company will ensure fair treatment of employees of the company who are mentioned in disclosures that qualify for protection under this Part, or to whom such disclosures relate; and

information about how the policy is to be made available to officers and employees of the company; and

any matters prescribed by the regulations for the purposes of this paragraph.

be expressed to be subject to conditions; and

be indefinite or limited to a specified period.

this Part; and

(b) Taxation Administration Act 1953.Part IVD of the

a declaration of contravention by the person has been made under section 1317E; and

the contravention is of subsection 1317AAE(1) (confidentiality of whistleblower’s identity) or subsection 1317AC(1), (2) or (3) (victimisation or threatened victimisation of whistleblower).

$200,000 for an individual; or

$1 million for a body corporate.

(a) are made at or after the time that Part commences (the commencement time); and

relate to matters that occur or occurred before, at or after the commencement time.

was made before the commencement time; and

(b) would be a disclosure protected by Treasury Laws Amendment (Enhancing Whistleblower Protections) Act 2019 had been in force at the time the disclosure was made.Part 9.4AAA, if the amendments made by Part 1 of Schedule 1 to the

(a) the discloser is an eligible whistleblower in relation to an entity (within the meaning of the Income Tax Assessment Act 1997); and

the disclosure is made to the Commissioner; and

(c) the discloser considers that the information may assist the Commissioner to perform his or her functions or duties under a taxation law in relation to the entity or an associate (Income Tax Assessment Act 1936) of the entity.within the meaning of section 318 of the

(a) the discloser is an eligible whistleblower in relation to an entity (within the meaning of the Income Tax Assessment Act 1997); and

the disclosure is made to an eligible recipient in relation to the entity; and

(c) the discloser has reasonable grounds to suspect that the information indicates misconduct, or an improper state of affairs or circumstances, in relation to the tax affairs of the entity or an associate (Income Tax Assessment Act 1936) of the entity; andwithin the meaning of section 318 of the

(d) the discloser considers that the information may assist the eligible recipient to perform functions or duties in relation to the tax affairs of the entity or an associate (Income Tax Assessment Act 1936) of the entity.within the meaning of section 318 of the

(a) an officer (within the meaning of the Corporations Act 2001) of the entity;

an employee of the entity;

an individual who supplies services or goods to the entity (whether paid or unpaid);

an employee of a person that supplies services or goods to the entity (whether paid or unpaid);

(e) an individual who is an associate (Income Tax Assessment Act 1936) of the entity;within the meaning of section 318 of the

a spouse or child of an individual referred to in any of paragraphs (a) to (e);

a dependant of an individual referred to in any of paragraphs (a) to (e), or of such an individual’s spouse;

an individual prescribed by the regulations for the purposes of this paragraph in relation to the entity.

an auditor, or a member of an audit team conducting an audit, of the entity;

(b) a registered tax agent or BAS agent (within the meaning of the Tax Agent Services Act 2009) who provides tax agent services (within the meaning of that Act) or BAS services (within the meaning of that Act) to the entity;

a person authorised by the entity to receive disclosures that may qualify for protection under this Part;

a person or body prescribed for the purposes of this paragraph in relation to the entity.

(a) a director, secretary or senior manager (within the meaning of the Corporations Act 2001) of the body corporate;

(b) any other employee or officer (within the meaning of the Corporations Act 2001) of the body corporate who has functions or duties that relate to the tax affairs (within the meaning of section 14ZZT) of the body corporate.

a trustee of the trust;

a person authorised by a trustee of the trust to receive disclosures that may qualify for protection under this Part.

a partner in the partnership;

a person authorised by a partner in the partnership to receive disclosures that may qualify for protection under this Part.

(a) another person (the discloser) makes a disclosure of information (the qualifying disclosure) that qualifies for protection under this Part; and

(b) the first person discloses any of the following (the confidential information):

the identity of the discloser;

information that is likely to lead to the identification of the discloser; and

the confidential information is information that the first person obtained directly or indirectly because of the qualifying disclosure; and

the disclosure referred to in paragraph (b) is not authorised under subsection (2).

is made to the Commissioner; or

(b) is made to a member of the Australian Federal Police (within the meaning of the Australian Federal Police Act 1979); or

is made to a legal practitioner for the purpose of obtaining legal advice or legal representation in relation to the operation of this Part; or

is made to a person or body prescribed by the regulations for the purposes of this paragraph; or

is made with the consent of the discloser.

the disclosure referred to in paragraph (1)(b):

is not of the identity of the discloser; and

is reasonably necessary for the purposes of investigating misconduct, or an improper state of affairs or circumstances, to which the qualifying disclosure relates; and

the first person takes all reasonable steps to reduce the risk that the discloser will be identified as a result of the disclosure referred to in paragraph (1)(b).

the person is not subject to any civil, criminal or administrative liability (including disciplinary action) for making the disclosure; and

no contractual or other remedy may be enforced, and no contractual or other right may be exercised, against the person on the basis of the disclosure; and

if the disclosure was a disclosure of information to the Commissioner—the information is not admissible in evidence against the person in criminal proceedings or in proceedings for the imposition of a penalty, other than proceedings in respect of the falsity of the information.

the person has qualified privilege in respect of the disclosure; and

a contract to which the person is a party may not be terminated on the basis that the disclosure constitutes a breach of the contract.

the first person engages in conduct; and

(b) the first person’s conduct causes any detriment to another person (the second person); and

when the first person engages in the conduct, the first person believes or suspects that the second person or any other person made, may have made, proposes to make or could make a disclosure that qualifies for protection under this Part; and

the belief or suspicion referred to in paragraph (c) is the reason, or part of the reason, for the conduct.

(a) the first person makes to another person (the second person) a threat to cause any detriment to the second person or to a third person; and

the first person:

intends the second person to fear that the threat will be carried out; or

is reckless as to causing the second person to fear that the threat will be carried out; and

the first person makes the threat because a person:

makes a disclosure that qualifies for protection under this Part; or

may make a disclosure that would qualify for protection under this Part.

express or implied; or

conditional or unconditional.

(a) the first person engages in conduct (detrimental conduct) that:

(i) causes any detriment to another person (the second person); or

(ii) constitutes the making of a threat to cause any such detriment to another person (the second person); and

when the first person engages in the detrimental conduct, the first person believes or suspects that the second person or any other person made, may have made, proposes to make or could make a disclosure that qualifies for protection under this Part; and

the belief or suspicion referred to in paragraph (b) is the reason, or part of the reason, for the detrimental conduct.

(a) the first person is or was an officer (within the meaning of the Corporations Act 2001) or employee of a body corporate; and

paragraphs (1)(a), (b) and (c) of this section apply to the body corporate because of detrimental conduct engaged in by the body corporate; and

the first person:

aided, abetted, counselled or procured the detrimental conduct; or

induced, whether by threats or promises or otherwise, the detrimental conduct; or

was in any way, by act or omission, directly or indirectly, knowingly concerned in, or party to, the detrimental conduct; or

conspired with others to effect the detrimental conduct.

(a) another person (the third person) engages in conduct (detrimental conduct) that:

(i) causes any detriment to a person (the second person) other than the first person or the third person; or

(ii) constitutes the making of a threat to cause any such detriment to a person (the second person) other than the first person or the third person; and

when the third person engages in the detrimental conduct, the third person believes or suspects that the second person or any other person made, may have made, proposes to make or could make a disclosure that qualifies for protection under this Part; and

the belief or suspicion referred to in paragraph (b) is the reason, or part of the reason, for the detrimental conduct; and

the first person is under a duty to prevent the third person engaging in the detrimental conduct, or a duty to take reasonable steps to ensure that the third person does not engage in the detrimental conduct; and

the first person fails in part or whole to fulfil that duty.

the person seeking the order bears the onus of adducing or pointing to evidence that suggests a reasonable possibility of the matters in:

if subsection (1) of this section applies—paragraph (1)(a); or

if subsection (2) of this section applies—paragraph (1)(a), as mentioned in paragraph (2)(b); or

if subsection (2A) of this section applies—paragraphs (2A)(a) and (d); and

if that onus is discharged—the other person bears the onus of proving that the claim is not made out.

express or implied; or

conditional or unconditional.

dismissal of an employee;

injury of an employee in his or her employment;

alteration of an employee’s position or duties to his or her disadvantage;

discrimination between an employee and other employees of the same employer;

harassment or intimidation of a person;

harm or injury to a person, including psychological harm;

damage to a person’s property;

damage to a person’s reputation;

damage to a person’s business or financial position;

any other damage to a person.

an order requiring the first person to compensate the second person, or any other person, for loss, damage or injury suffered as a result of the detrimental conduct;

if the court is satisfied that the first person engaged in the detrimental conduct in connection with the first person’s position as an employee:

an order requiring the first person to compensate the second person, or any other person, for a part of loss, damage or injury as a result of the detrimental conduct, and an order requiring the first person’s employer to compensate the second person, or any other person, for a part of loss, damage or injury as a result of the detrimental conduct; or

an order requiring the first person and the first person’s employer jointly to compensate the second person, or any other person, for loss, damage or injury suffered as a result of the detrimental conduct; or

an order requiring the first person’s employer to compensate the second person, or any other person, for loss, damage or injury as a result of the detrimental conduct;

an order granting an injunction, on such terms as the court thinks appropriate, to prevent, stop or remedy the effects of the detrimental conduct;

an order requiring the first person to apologise to the second person, or any other person, for engaging in the detrimental conduct;

if the second person is or was employed in a particular position and the detrimental conduct wholly or partly consists, or consisted, of the termination, or purported termination, of the second person’s employment—an order that the second person be reinstated in that position or a position at a comparable level;

if the court thinks it is appropriate—an order requiring the first person to pay exemplary damages to the second person, or any other person;

any other order the court thinks appropriate.

whether the employer took reasonable precautions, and exercised due diligence, to avoid the detrimental conduct;

(b) if the employer has a policy dealing with any or all of the matters referred to in subsection 1317AI(5) of the Corporations Act 2001 (whether or not section 1317AI of that Act requires the employer to have such a policy)—the extent to which the employer gave effect to that policy;

any duty that the employer was under to prevent the detrimental conduct, or to take reasonable steps to ensure that the detrimental conduct was not engaged in.

to disclose to a court or tribunal:

the identity of the discloser; or

information that is likely to lead to the identification of the discloser; or

to produce to a court or tribunal a document containing:

the identity of the discloser; or

information that is likely to lead to the identification of the discloser;

it is necessary to do so for the purposes of giving effect to this Part; or

the court or tribunal thinks it necessary in the interests of justice to do so.

the court is satisfied that the claimant instituted the proceedings vexatiously or without reasonable cause; or

the court is satisfied that the claimant’s unreasonable act or omission caused the other party to incur the costs.

(a) are made at or after the time this Part commences (the commencement time); and

relate to matters that occur or occurred before, at or after the commencement time.

disclosures of information made before that commencement; and

(b) conduct referred to in subsection 52C(1) of the Banking Act 1959, as in force immediately before that commencement, that is engaged in before that commencement; and

(c) a threat referred to in subsection 52C(2) of the Banking Act 1959, as in force immediately before that commencement, that is made before that commencement.

disclosures of information made before that commencement; and

(b) conduct referred to in subsection 38C(1) of the Insurance Act 1973, as in force immediately before that commencement, that is engaged in before that commencement; and

(c) a threat referred to in subsection 38C(2) of the Insurance Act 1973, as in force immediately before that commencement, that is made before that commencement.

disclosures of information made before that commencement; and

(b) conduct referred to in subsection 156C(1) of the Life Insurance Act 1995, as in force immediately before that commencement, that is engaged in before that commencement; and

(c) a threat referred to in subsection 156C(2) of the Life Insurance Act 1995, as in force immediately before that commencement, in relation to such disclosures, that is made before that commencement.

disclosures of information made before that commencement; and

(b) conduct referred to in subsection 336C(1) of the Superannuation Industry (Supervision) Act 1993, as in force immediately before that commencement, that is engaged in before that commencement; and

(c) a threat referred to in subsection 336C(2) of the Superannuation Industry (Supervision) Act 1993, as in force immediately before that commencement, that is made before that commencement.