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><lastmod>2024-08-16</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/notice-to-vacate/notice-to-vacate-in-rental-properties</loc><lastmod>2026-02-27</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/notice-to-vacate/giving-notice-to-a-rooming-house-resident</loc><lastmod>2025-11-24</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/notice-to-vacate/giving-notice-to-a-caravan-park-resident</loc><lastmod>2025-11-24</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/notice-to-vacate/giving-notice-to-a-site-tenant-in-a-park</loc><lastmod>2023-02-16</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/notice-to-vacate/if-a-caravan-or-residential-park-is-closing</loc><lastmod>2023-02-08</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/notice-to-vacate/challenging-a-notice-to-vacate</loc><lastmod>2023-02-08</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/evictions-and-immediate-notice</loc><lastmod>2023-09-10</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/evictions-and-immediate-notice/evictions-and-possession-orders</loc><lastmod>2025-04-24</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/evictions-and-immediate-notice/immediate-notice</loc><lastmod>2021-03-28</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/evictions-and-immediate-notice/violent-or-dangerous-behaviour-rooming-houses</loc><lastmod>2023-02-09</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/evictions-and-immediate-notice/violent-or-dangerous-behaviour-caravan-parks</loc><lastmod>2023-02-08</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/breaking-a-rental-agreement</loc><lastmod>2025-12-09</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/renter-abandoning-a-property</loc><lastmod>2025-12-09</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/goods-left-behind</loc><lastmod>2023-02-08</lastmod></url><url><loc>/housing/renting/moving-out-giving-notice-and-evictions/if-a-renter-or-rental-provider-dies</loc><lastmod>2023-02-08</lastmod></url><url><loc>/housing/renting/rental-providers-inspecting-or-entering-a-property</loc><lastmod>2025-12-01</lastmod></url><url><loc>/housing/renting/rental-providers-inspecting-or-entering-a-property/when-a-rental-provider-can-enter-a-property</loc><lastmod>2025-04-24</lastmod></url><url><loc>/housing/renting/rental-providers-inspecting-or-entering-a-property/when-a-rooming-house-operator-can-enter-a-room</loc><lastmod>2021-03-28</lastmod></url><url><loc>/housing/renting/rental-providers-inspecting-or-entering-a-property/when-a-park-owner-or-operator-can-enter</loc><lastmod>2021-03-28</lastmod></url><url><loc>/housing/renting/family-violence-when-renting</loc><lastmod>2025-12-01</lastmod></url><url><loc>/housing/renting/family-violence-when-renting/changing-or-ending-the-rental-agreement</loc><lastmod>2025-12-08</lastmod></url><url><loc>/housing/renting/family-violence-when-renting/changing-locks</loc><lastmod>2021-03-26</lastmod></url><url><loc>/housing/renting/family-violence-when-renting/installing-security-devices</loc><lastmod>2023-02-09</lastmod></url><url><loc>/housing/renting/family-violence-when-renting/repairs</loc><lastmod>2021-03-26</lastmod></url><url><loc>/housing/renting/family-violence-when-renting/removing-names-from-renter-blacklists</loc><lastmod>2023-02-09</lastmod></url><url><loc>/housing/renting/family-violence-when-renting/where-to-get-help</loc><lastmod>2025-02-14</lastmod></url><url><loc>/housing/renting/family-violence-when-renting/information-for-excluded-renters</loc><lastmod>2022-09-16</lastmod></url><url><loc>/housing/renting/legal-and-dispute-support</loc><lastmod>2025-12-01</lastmod></url><url><loc>/housing/renting/legal-and-dispute-support/protecting-a-renters-personal-information-your-ÌÒÉ«ÊÓƵ-as-a-rental-provider-or-agent</loc><lastmod>2026-02-27</lastmod></url><url><loc>/housing/renting/legal-and-dispute-support/when-a-renter-or-rental-provider-breaks-the-law</loc><lastmod>2023-02-09</lastmod></url><url><loc>/housing/renting/legal-and-dispute-support/penalties</loc><lastmod>2026-03-30</lastmod></url><url><loc>/housing/renting/legal-and-dispute-support/unlawful-discrimination</loc><lastmod>2024-06-05</lastmod></url><url><loc>/housing/renting/legal-and-dispute-support/resolving-disputes</loc><lastmod>2026-02-27</lastmod></url><url><loc>/housing/renting/legal-and-dispute-support/renter-databases-blacklists</loc><lastmod>2021-04-14</lastmod></url><url><loc>/housing/renting/legal-and-dispute-support/rental-provider-register</loc><lastmod>2021-04-22</lastmod></url><url><loc>/housing/buying-and-selling-property</loc><lastmod>2025-06-20</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property</loc><lastmod>2023-09-10</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/planning-to-buy-property</loc><lastmod>2021-05-07</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/research-types-of-property-to-buy</loc><lastmod>2020-11-29</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/buying-off-the-plan</loc><lastmod>2021-05-07</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/seek-expert-advice-on-property</loc><lastmod>2021-05-03</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/high-risk-property-investments</loc><lastmod>2021-01-11</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/high-risk-property-investments/new-sale-of-land-exemption-regulations-2020</loc><lastmod>2020-03-05</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/inspect-properties-before-you-buy</loc><lastmod>2025-07-18</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/buying-property-at-auction</loc><lastmod>2021-05-09</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/buying-property-by-private-sale</loc><lastmod>2022-09-09</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/property-settlement</loc><lastmod>2023-09-10</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/property-settlement/property-settlement-overview</loc><lastmod>2022-09-09</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/property-settlement/before-property-settlement</loc><lastmod>2022-09-09</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/property-settlement/settlement</loc><lastmod>2022-09-09</lastmod></url><url><loc>/housing/buying-and-selling-property/buying-property/property-settlement/building-problems-after-property-settlement</loc><lastmod>2021-04-12</lastmod></url><url><loc>/housing/buying-and-selling-property/selling-property</loc><lastmod>2023-09-10</lastmod></url><url><loc>/housing/buying-and-selling-property/selling-property/preparing-to-sell-your-property</loc><lastmod>2022-09-09</lastmod></url><url><loc>/housing/buying-and-selling-property/selling-property/selling-property-with-or-without-an-agent</loc><lastmod>2021-05-05</lastmod></url><url><loc>/housing/buying-and-selling-property/selling-property/property-sales-method-and-price</loc><lastmod>2021-04-21</lastmod></url><url><loc>/housing/buying-and-selling-property/selling-property/selling-property-by-private-sale</loc><lastmod>2022-09-09</lastmod></url><url><loc>/housing/buying-and-selling-property/selling-property/selling-property-by-auction</loc><lastmod>2022-09-09</lastmod></url><url><loc>/housing/buying-and-selling-property/selling-property/property-deposits-for-sellers</loc><lastmod>2021-05-07</lastmod></url><url><loc>/housing/buying-and-selling-property/selling-property/conveyancing-and-contracts-for-sellers</loc><lastmod>2026-04-02</lastmod></url><url><loc>/housing/buying-and-selling-property/selling-property/property-settlement</loc><lastmod>2021-05-09</lastmod></url><url><loc>/housing/buying-and-selling-property/understanding-property-prices-and-underquoting-for-buyers</loc><lastmod>2025-05-20</lastmod></url><url><loc>/housing/buying-and-selling-property/property-data</loc><lastmod>2025-09-30</lastmod></url><url><loc>/housing/buying-and-selling-property/compensation-claims</loc><lastmod>2023-03-08</lastmod></url><url><loc>/housing/buying-and-selling-property/checklists</loc><lastmod>2023-09-10</lastmod></url><url><loc>/housing/buying-and-selling-property/checklists/due-diligence</loc><lastmod>2025-07-18</lastmod></url><url><loc>/housing/buying-and-selling-property/checklists/buying-property</loc><lastmod>2021-05-04</lastmod></url><url><loc>/housing/buying-and-selling-property/checklists/buying-an-apartment-or-unit</loc><lastmod>2021-05-09</lastmod></url><url><loc>/housing/buying-and-selling-property/checklists/selling-property</loc><lastmod>2021-04-10</lastmod></url><url><loc>/housing/buying-and-selling-property/definitions</loc><lastmod>2023-01-03</lastmod></url><url><loc>/housing/building-and-renovating</loc><lastmod>2025-09-04</lastmod></url><url><loc>/housing/building-and-renovating/plan-and-manage-your-building-project</loc><lastmod>2025-07-14</lastmod></url><url><loc>/housing/building-and-renovating/plan-and-manage-your-building-project/managing-project-costs</loc><lastmod>2025-04-08</lastmod></url><url><loc>/housing/building-and-renovating/plan-and-manage-your-building-project/about-builders-tradespeople-and-other-building-practitioners</loc><lastmod>2025-12-12</lastmod></url><url><loc>/housing/building-and-renovating/plan-and-manage-your-building-project/about-builders-tradespeople-and-other-building-practitioners/building-consultants</loc><lastmod>2021-09-17</lastmod></url><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loc>/housing/owners-corporations/buying-into-an-owners-corporation/two-lot-subdivisions</loc><lastmod>2021-03-28</lastmod></url><url><loc>/housing/owners-corporations/buying-into-an-owners-corporation/multiple-owners-corporations</loc><lastmod>2025-02-14</lastmod></url><url><loc>/housing/owners-corporations/buying-into-an-owners-corporation/activating-your-owners-corporation</loc><lastmod>2021-03-22</lastmod></url><url><loc>/housing/owners-corporations/buying-into-an-owners-corporation/company-title-and-stratum-title</loc><lastmod>2021-11-12</lastmod></url><url><loc>/housing/owners-corporations/meetings-and-committees</loc><lastmod>2023-09-08</lastmod></url><url><loc>/housing/owners-corporations/meetings-and-committees/committees</loc><lastmod>2021-11-12</lastmod></url><url><loc>/housing/owners-corporations/meetings-and-committees/role-of-chairperson</loc><lastmod>2019-08-16</lastmod></url><url><loc>/housing/owners-corporations/meetings-and-committees/role-of-secretary</loc><lastmod>2020-07-13</lastmod></url><url><loc>/housing/owners-corporations/meetings-and-committees/running-meetings</loc><lastmod>2024-02-29</lastmod></url><url><loc>/housing/owners-corporations/meetings-and-committees/annual-general-meeting</loc><lastmod>2024-02-29</lastmod></url><url><loc>/housing/owners-corporations/meetings-and-committees/voting-and-ballot-guidelines</loc><lastmod>2021-04-19</lastmod></url><url><loc>/housing/owners-corporations/meetings-and-committees/working-with-your-owners-corporation-manager</loc><lastmod>2021-03-18</lastmod></url><url><loc>/housing/owners-corporations/tiers-of-owners-corporations</loc><lastmod>2023-07-25</lastmod></url><url><loc>/housing/owners-corporations/rules</loc><lastmod>2025-02-07</lastmod></url><url><loc>/housing/owners-corporations/rules/which-owners-corporations-have-rules</loc><lastmod>2021-11-12</lastmod></url><url><loc>/housing/owners-corporations/rules/what-can-an-owners-corporation-make-rules-about</loc><lastmod>2021-11-12</lastmod></url><url><loc>/housing/owners-corporations/rules/how-to-make-owners-corporation-rules</loc><lastmod>2021-11-12</lastmod></url><url><loc>/housing/owners-corporations/rules/enforcing-owners-corporation-rules</loc><lastmod>2022-06-03</lastmod></url><url><loc>/housing/owners-corporations/rules/model-rules</loc><lastmod>2021-11-12</lastmod></url><url><loc>/housing/owners-corporations/rules/communication-about-rules</loc><lastmod>2021-11-12</lastmod></url><url><loc>/housing/owners-corporations/rules/making-rules-to-ban-short-stay-accommodation</loc><lastmod>2025-01-08</lastmod></url><url><loc>/housing/owners-corporations/rules/short-stay-accommodation-laws-to-prevent-unruly-parties</loc><lastmod>2025-02-04</lastmod></url><url><loc>/housing/owners-corporations/property-maintenance</loc><lastmod>2023-09-08</lastmod></url><url><loc>/housing/owners-corporations/property-maintenance/maintenance-plan</loc><lastmod>2021-03-29</lastmod></url><url><loc>/housing/owners-corporations/property-maintenance/maintenance-surveys-inspections-and-reviews</loc><lastmod>2021-03-26</lastmod></url><url><loc>/housing/owners-corporations/property-maintenance/maintaining-and-improving-common-property</loc><lastmod>2021-11-12</lastmod></url><url><loc>/housing/owners-corporations/property-maintenance/maintaining-and-renovating-individual-lots</loc><lastmod>2021-05-05</lastmod></url><url><loc>/housing/owners-corporations/property-maintenance/developers-obligations</loc><lastmod>2019-09-19</lastmod></url><url><loc>/housing/owners-corporations/finance-insurance-and-record-keeping</loc><lastmod>2023-09-08</lastmod></url><url><loc>/housing/owners-corporations/finance-insurance-and-record-keeping/financial-management</loc><lastmod>2021-04-08</lastmod></url><url><loc>/housing/owners-corporations/finance-insurance-and-record-keeping/fees</loc><lastmod>2026-01-30</lastmod></url><url><loc>/housing/owners-corporations/finance-insurance-and-record-keeping/maintenance-fund</loc><lastmod>2018-11-20</lastmod></url><url><loc>/housing/owners-corporations/finance-insurance-and-record-keeping/tax</loc><lastmod>2024-10-22</lastmod></url><url><loc>/housing/owners-corporations/finance-insurance-and-record-keeping/insurance</loc><lastmod>2021-05-05</lastmod></url><url><loc>/housing/owners-corporations/finance-insurance-and-record-keeping/records</loc><lastmod>2021-04-26</lastmod></url><url><loc>/housing/owners-corporations/complaint-handling-and-resolving-disputes</loc><lastmod>2024-03-07</lastmod></url><url><loc>/housing/owners-corporations/resolving-disputes-company-title-and-stratum-title</loc><lastmod>2024-03-07</lastmod></url><url><loc>/housing/owners-corporations/definitions</loc><lastmod>2023-07-25</lastmod></url><url><loc>/housing/retirement-villages</loc><lastmod>2026-02-26</lastmod></url><url><loc>/housing/retirement-villages/choosing-a-retirement-village</loc><lastmod>2023-09-08</lastmod></url><url><loc>/housing/retirement-villages/choosing-a-retirement-village/what-is-a-retirement-village</loc><lastmod>2025-02-14</lastmod></url><url><loc>/housing/retirement-villages/choosing-a-retirement-village/before-choosing-a-retirement-village</loc><lastmod>2025-02-16</lastmod></url><url><loc>/housing/retirement-villages/choosing-a-retirement-village/before-you-sign-a-retirement-village-contract</loc><lastmod>2021-05-03</lastmod></url><url><loc>/housing/retirement-villages/choosing-a-retirement-village/types-of-retirement-village-contracts</loc><lastmod>2021-04-20</lastmod></url><url><loc>/housing/retirement-villages/choosing-a-retirement-village/cancelling-a-retirement-village-contract</loc><lastmod>2020-06-12</lastmod></url><url><loc>/housing/retirement-villages/choosing-a-retirement-village/public-register-of-retirement-villages</loc><lastmod>2025-10-03</lastmod></url><url><loc>/housing/retirement-villages/living-in-a-retirement-village</loc><lastmod>2023-09-08</lastmod></url><url><loc>/housing/retirement-villages/living-in-a-retirement-village/having-a-say</loc><lastmod>2017-12-20</lastmod></url><url><loc>/housing/retirement-villages/living-in-a-retirement-village/resolving-disputes-in-your-retirement-village</loc><lastmod>2020-06-01</lastmod></url><url><loc>/housing/retirement-villages/living-in-a-retirement-village/organisations-that-assist-retirement-village-residents</loc><lastmod>2025-05-27</lastmod></url><url><loc>/housing/retirement-villages/leaving-a-retirement-village</loc><lastmod>2023-09-08</lastmod></url><url><loc>/housing/retirement-villages/leaving-a-retirement-village/selling-your-retirement-village-strata-unit</loc><lastmod>2017-07-06</lastmod></url><url><loc>/housing/retirement-villages/leaving-a-retirement-village/exit-entitlements-and-aged-care-accommodation-payments</loc><lastmod>2021-04-19</lastmod></url><url><loc>/housing/retirement-villages/leaving-a-retirement-village/ongoing-charges-when-you-leave-a-retirement-village</loc><lastmod>2018-10-25</lastmod></url><url><loc>/housing/retirement-villages/leaving-a-retirement-village/can-a-retirement-village-operator-make-you-leave-the-village</loc><lastmod>2023-01-03</lastmod></url><url><loc>/housing/retirement-villages/fees-and-charges</loc><lastmod>2023-09-08</lastmod></url><url><loc>/housing/retirement-villages/fees-and-charges/fees-and-charges-entering-a-retirement-village</loc><lastmod>2023-08-01</lastmod></url><url><loc>/housing/retirement-villages/fees-and-charges/fees-and-charges-living-in-a-retirement-village</loc><lastmod>2023-08-01</lastmod></url><url><loc>/housing/retirement-villages/fees-and-charges/fees-and-charges-leaving-a-retirement-village</loc><lastmod>2023-08-01</lastmod></url><url><loc>/housing/residential-parks</loc><lastmod>2025-11-24</lastmod></url><url><loc>/housing/specialist-disability-accommodation</loc><lastmod>2026-02-16</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers</loc><lastmod>2025-12-15</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/sda-provider-obligations-what-you-need-to-do</loc><lastmod>2025-05-19</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/changes-to-the-law-sda-providers</loc><lastmod>2025-05-19</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/main-differences-between-the-types-of-agreements-sda-providers</loc><lastmod>2025-05-19</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/starting-an-agreement-with-an-sda-resident</loc><lastmod>2025-05-19</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/notifying-us-of-sda-agreements-and-notices</loc><lastmod>2025-05-19</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/rental-payments-in-sda</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/checklists-for-sda-providers</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/existing-residential-statements-sda-providers</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/resources-for-sda-providers</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/organisations-that-can-help-sda-providers</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/ÌÒÉ«ÊÓƵ-of-sda-providers-during-a-residency</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/repairs-and-maintenance-in-sda</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/rent-bond-and-other-costs-in-sda</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/community-visitors-record-keeping-and-entry-rights</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/notices-during-an-sda-residency</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/extending-an-agreement-in-sda-provider</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/how-to-end-an-agreement-in-an-sda-providers</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/notices-to-end-an-sda-residency-providers</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-providers/goods-left-behind-in-sda-providers</loc><lastmod>2026-03-31</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents</loc><lastmod>2025-12-15</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/what-you-and-your-provider-need-to-do</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/changes-to-the-law-residents</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/main-differences-between-the-types-of-agreements-residents</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/starting-an-agreement-with-your-sda-provider</loc><lastmod>2026-02-04</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/paying-rent-in-sda-residents</loc><lastmod>2024-10-09</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/checklist-for-sda-residents</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/residential-statements-under-the-disability-act-2006</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/resources-for-sda-residents</loc><lastmod>2025-12-03</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/organisations-that-can-help-sda-residents</loc><lastmod>2026-01-14</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/ÌÒÉ«ÊÓƵ-of-sda-residents-during-a-residency</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/repairs-and-maintenance-in-sda-residents</loc><lastmod>2021-03-26</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/entry-into-your-sda-room-or-property-residents</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/rent-bond-and-other-costs-in-sda-residents</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/community-visitors-to-sda-residents</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/notices-during-an-sda-residency-residents</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/complaints-in-sda-residents</loc><lastmod>2026-02-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/extending-your-agreement-in-sda-residents</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/how-to-end-an-agreement-in-sda-residents</loc><lastmod>2021-03-26</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/notices-to-end-an-sda-residency-agreement</loc><lastmod>2024-07-08</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-residents/goods-left-behind-in-sda-residents</loc><lastmod>2024-07-05</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people</loc><lastmod>2025-12-15</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/what-sda-providers-and-residents-have-to-do</loc><lastmod>2024-07-08</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/what-you-need-to-know-as-an-sda-support-person</loc><lastmod>2024-07-08</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/checklists-for-sda-support-people</loc><lastmod>2024-07-08</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/resources-for-sda-support-people</loc><lastmod>2021-03-26</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/organisations-that-can-help-sda-support-people</loc><lastmod>2026-01-15</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/ÌÒÉ«ÊÓƵ-during-an-sda-residency-support-people</loc><lastmod>2024-07-08</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/community-visitors-and-record-keeping-support-people</loc><lastmod>2021-03-26</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/notices-during-an-sda-residency-support-people</loc><lastmod>2021-03-26</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/complaints-in-sda-support-people</loc><lastmod>2021-03-26</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/extending-the-agreement-in-sda-support-people</loc><lastmod>2024-07-08</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/how-to-end-an-agreement-in-sda-support-people</loc><lastmod>2021-03-26</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/notices-to-end-an-sda-residency-support-people</loc><lastmod>2024-07-08</lastmod></url><url><loc>/housing/specialist-disability-accommodation/for-support-people/goods-left-behind-in-sda-support-people</loc><lastmod>2021-03-26</lastmod></url><url><loc>/consumers-and-businesses</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services</loc><lastmod>2025-08-07</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/guarantees-that-apply-automatically</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/warranties</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/warranties/types-of-warranties</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/warranties/repairs-and-replacements-under-warranty</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/warranties/expired-warranty</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/warranties/warranty-cards</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/rejecting-and-returning-products</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/chargeback</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/receipts-and-other-proof-of-transaction</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/sales-seconds-factory-outlets-second-hand</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/sales-seconds-factory-outlets-second-hand/sales-items-refunds</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/sales-seconds-factory-outlets-second-hand/seconds-or-samples-refunds</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/sales-seconds-factory-outlets-second-hand/factory-outlets-refunds</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/sales-seconds-factory-outlets-second-hand/second-hand-items-refunds</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/linked-products-and-services</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/insolvency</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/refunds-repairs-and-returns/damages-and-compensation</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/faulty-product</loc><lastmod>2025-07-16</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/products-missing-or--damaged-in-transit</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/product-does-not-match-the-sample-description-or-demonstration-model</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/product-does-not-do-what-the-salesperson-said-or-the-consumer-asked-for</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/product-caused-damage-to-other-property</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/cannot-be-repaired</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/does-not-have-clear-title</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/store-or-manufacturer-responsibility</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles/uncollected-goods-explained</loc><lastmod>2023-03-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles/disposing-of-uncollected-goods</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles/disposing-of-uncollected-goods/disposing-of-low-value-uncollected-goods-and-vehicles</loc><lastmod>2023-07-11</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles/disposing-of-uncollected-goods/disposing-of-medium-value-uncollected-goods</loc><lastmod>2023-07-11</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles/disposing-of-uncollected-goods/disposing-of-high-value-uncollected-goods-and-vehicles</loc><lastmod>2023-07-11</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles/disposing-of-uncollected-goods/disposing-of-perishable-uncollected-goods</loc><lastmod>2023-07-11</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles/disposing-of-uncollected-goods/applying-for-disposal-orders</loc><lastmod>2023-07-11</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles/when-not-to-dispose-of-uncollected-goods</loc><lastmod>2023-03-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles/written-notice-of-intent-to-dispose</loc><lastmod>2025-02-14</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles/relevant-charge-for-uncollected-goods</loc><lastmod>2025-02-14</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problems-with-a-product/uncollected-goods-and-vehicles/records-of-disposal</loc><lastmod>2017-07-06</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problem-with-a-service</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problem-with-a-service/services-not-done-with-due-care-and-skill</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problem-with-a-service/services-not-fit-for-a-particular-purpose</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problem-with-a-service/services-took-too-long</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problem-with-a-service/services-caused-damage-to-property</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problem-with-a-service/cancelling-a-contract-for-services</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/problem-with-a-service/booking-travel</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/energy-products-and-services</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/energy-products-and-services/solar-energy</loc><lastmod>2025-07-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/energy-products-and-services/price-comparison-services</loc><lastmod>2021-04-26</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/energy-products-and-services/embedded-electricity-networks</loc><lastmod>2021-11-09</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/energy-products-and-services/tips-about-energy-products-and-services</loc><lastmod>2025-07-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/energy-products-and-services/resolve-your-energy-retail-problem</loc><lastmod>2025-07-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/energy-products-and-services/energy-and-water-efficiency</loc><lastmod>2024-10-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/energy-products-and-services/smart-meters</loc><lastmod>2021-03-26</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/online-shopping</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/online-shopping/buying-from-a-private-seller-online</loc><lastmod>2024-02-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/online-shopping/buying-from-an-australian-seller-online</loc><lastmod>2024-02-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/online-shopping/buying-from-an-overseas-seller-online</loc><lastmod>2024-02-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/online-shopping/safety-tips-online-shopping</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/online-shopping/group-buying-and-daily-deals</loc><lastmod>2024-02-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/online-shopping/penny-auctions</loc><lastmod>2024-02-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/lay-bys</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/gift-vouchers-and-gift-cards</loc><lastmod>2025-03-31</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/store-policies</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/store-policies/change-of-mind</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/store-policies/no-refund-signs</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/store-policies/bag-search-policies</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/store-policies/you-break-you-buy</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/store-policies/original-packaging</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/store-policies/fees-for-browsing-or-trying-things-on</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/contracts</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/contracts/unfair-contract-terms</loc><lastmod>2026-02-23</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/contracts/case-studies-unfair-contract-terms</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/contracts/carpet-and-curtain-businesses-unfair-contract-terms</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/contracts/health-and-fitness-centres-unfair-contract-terms</loc><lastmod>2021-01-03</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/contracts/mobile-phone-providers-unfair-contract-terms</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/contracts/vehicle-hire-businesses-unfair-contract-terms</loc><lastmod>2017-06-14</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/contracts/guidance-for-tourism-businesses</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/contracts/recreational-businesses-wording-to-limit-liability-for-death-or-personal-injury</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/advertising-and-promotions</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/advertising-and-promotions/misleading-or-deceptive-conduct</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/advertising-and-promotions/pricing</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/advertising-and-promotions/information-standards</loc><lastmod>2017-08-14</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/advertising-and-promotions/false-or-misleading-representations</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/advertising-and-promotions/health-claims</loc><lastmod>2017-06-14</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/advertising-and-promotions/cash-back-free-trials-and-bonus-offers</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/door-to-door-sales-and-telemarketing</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/door-to-door-sales-and-telemarketing/door-to-door-sales</loc><lastmod>2025-04-07</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/door-to-door-sales-and-telemarketing/telemarketing</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/door-to-door-sales-and-telemarketing/referral-selling</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/door-to-door-sales-and-telemarketing/harassment-and-coercion</loc><lastmod>2024-10-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/door-to-door-sales-and-telemarketing/unsolicited-supplies</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/door-to-door-sales-and-telemarketing/unsolicited-consumer-agreements</loc><lastmod>2023-11-14</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/door-to-door-sales-and-telemarketing/pyramid-schemes</loc><lastmod>2025-02-14</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/country-of-origin-claims</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/country-of-origin-claims/country-of-origin-claims-explained</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/country-of-origin-claims/criteria-for-country-of-origin-claims</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/country-of-origin-claims/substantial-transformation</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/egg-labelling</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/parallel-imports</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/penalties</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/penalties/penalties-australian-consumer-law-competition-and-consumer-act-2010-schedule-2</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/penalties/penalties-australian-consumer-law-competition-and-consumer-act-2010-schedule-2/general-penalties</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/penalties/penalties-australian-consumer-law-competition-and-consumer-act-2010-schedule-2/penalties-unfair-practices</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/penalties/penalties-australian-consumer-law-competition-and-consumer-act-2010-schedule-2/penalties-unconscionable-conduct</loc><lastmod>2023-10-06</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/penalties/penalties-australian-consumer-law-competition-and-consumer-act-2010-schedule-2/penalties-product-safety-and-information</loc><lastmod>2024-09-12</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/penalties/penalties-australian-consumer-law-competition-and-consumer-act-2010-schedule-2/penalties-unsolicited-consumer-agreements</loc><lastmod>2023-10-06</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/penalties/penalties-australian-consumer-law-competition-and-consumer-act-2010-schedule-2/penalties-substantiation-notice</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/penalties/penalties-australian-consumer-law-competition-and-consumer-act-2010-schedule-2/penalties-lay-by-sales</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/penalties/penalties-australian-consumer-law-competition-and-consumer-act-2010-schedule-2/penalties-country-of-origin-claims</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/business-practices/penalties/australian-consumer-law-and-fair-trading-act-2012-vic</loc><lastmod>2025-07-21</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/product-safety</loc><lastmod>2023-09-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/product-safety/banned-products-and-recalls</loc><lastmod>2026-02-05</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/product-safety/report-an-unsafe-product</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/product-safety/curtain-and-blind-cord-safety</loc><lastmod>2025-11-30</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/product-safety/sale-of-machetes-banned-in-victoria</loc><lastmod>2025-08-29</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/product-safety/play-it-safe-at-home-1</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/product-safety/quad-bike-safety</loc><lastmod>2024-10-08</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/product-safety/product-safety-checklist-for-markets</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/products-and-services/mandatory-fuel-price-reporting</loc><lastmod>2026-03-25</lastmod></url><url><loc>/consumers-and-businesses/cars</loc><lastmod>2025-07-07</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/before-you-buy-a-new-car</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/before-you-buy-a-new-car/compare-options</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/before-you-buy-a-new-car/loans-and-finance</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/before-you-buy-a-new-car/contracts-and-deposits</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/before-you-buy-a-new-car/insurance</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/cash-price-and-drive-away-price</loc><lastmod>2021-05-12</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/pre-delivery-check</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/additional-fees-and-charges</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/cooling-off-period</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/warranties</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/rent-to-buy-and-novated-leasing</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-new-car/running-costs-and-depreciation</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car</loc><lastmod>2025-07-07</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/before-you-buy-a-used-car</loc><lastmod>2025-07-07</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/before-you-buy-a-used-car/compare-options</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/before-you-buy-a-used-car/loans-and-finance</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/before-you-buy-a-used-car/service-history-and-mechanical-inspection</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/before-you-buy-a-used-car/unregistered-vehicles</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/before-you-buy-a-used-car/determining-the-age-of-the-car</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/before-you-buy-a-used-car/vehicle-status-check</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/before-you-buy-a-used-car/insurance</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/ways-to-buy-a-used-car</loc><lastmod>2025-07-07</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/ways-to-buy-a-used-car/licensed-motor-car-trader</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/ways-to-buy-a-used-car/private-seller</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/ways-to-buy-a-used-car/online</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/ways-to-buy-a-used-car/auction</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/ways-to-buy-a-used-car/rent-to-buy</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/ways-to-buy-a-used-car/novated-leasing</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/ways-to-buy-a-used-car/motor-car-broker</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/additional-fees-and-charges</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/cooling-off-period</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/warranties</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/buying-a-used-car/running-costs-and-depreciation</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/maintenance-and-repairs</loc><lastmod>2025-07-07</lastmod></url><url><loc>/consumers-and-businesses/cars/maintenance-and-repairs/services-and-repairs</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/maintenance-and-repairs/not-happy-with-a-repair</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/maintenance-and-repairs/maintaining-your-car</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/maintenance-and-repairs/damage-by-contaminated-fuel</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/maintenance-and-repairs/getting-your-car-towed-after-an-accident</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/maintenance-and-repairs/failing-to-collect-your-vehicle</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/selling-a-car</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/car-hire</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/compensation-claims</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/cars/parking-payment-notices-in-private-car-parks</loc><lastmod>2025-06-27</lastmod></url><url><loc>/consumers-and-businesses/scams</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/avoiding-scams</loc><lastmod>2024-08-07</lastmod></url><url><loc>/consumers-and-businesses/scams/if-you-are-scammed</loc><lastmod>2024-08-07</lastmod></url><url><loc>/consumers-and-businesses/scams/scam-savvy</loc><lastmod>2026-02-05</lastmod></url><url><loc>/consumers-and-businesses/scams/scam-savvy/real-stories</loc><lastmod>2025-10-24</lastmod></url><url><loc>/consumers-and-businesses/scams/fake-tradies</loc><lastmod>2025-10-24</lastmod></url><url><loc>/consumers-and-businesses/scams/consumer-scams</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/consumer-scams/online-selling-scam</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/consumer-scams/romance-scam</loc><lastmod>2024-08-07</lastmod></url><url><loc>/consumers-and-businesses/scams/consumer-scams/rental-scam</loc><lastmod>2025-12-09</lastmod></url><url><loc>/consumers-and-businesses/scams/consumer-scams/rebate-scam</loc><lastmod>2025-03-03</lastmod></url><url><loc>/consumers-and-businesses/scams/consumer-scams/investment-scam</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/consumer-scams/lottery-scam</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/small-business-scams</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/small-business-scams/unauthorised-advertising-scam</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/small-business-scams/overpayment-scam</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/small-business-scams/computer-repair-scam</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/small-business-scams/threat-based-scams</loc><lastmod>2024-07-11</lastmod></url><url><loc>/consumers-and-businesses/scams/small-business-scams/domain-name-scam</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/small-business-scams/unsolicited-office-supplies-scam</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/scams-quiz</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/scams/scams-quiz/question-descriptions</loc><lastmod>2021-02-22</lastmod></url><url><loc>/consumers-and-businesses/scams/scams-quiz/scam-quiz-questions</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/business-resources</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/business-resources/license-or-register-a-business</loc><lastmod>2024-10-10</lastmod></url><url><loc>/consumers-and-businesses/business-resources/license-or-register-a-business/identity-verification</loc><lastmod>2025-01-08</lastmod></url><url><loc>/consumers-and-businesses/business-resources/license-or-register-a-business/records-checks</loc><lastmod>2025-01-06</lastmod></url><url><loc>/consumers-and-businesses/business-resources/license-or-register-a-business/spent-convictions</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/business-resources/small-business</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/business-resources/better-business-toolkit</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/business-resources/complaint-handling</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/business-resources/australian-consumer-law-resources</loc><lastmod>2023-10-13</lastmod></url><url><loc>/consumers-and-businesses/business-resources/develop-a-code-of-conduct</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/business-resources/develop-a-code-of-conduct/about-voluntary-industry-codes</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/business-resources/develop-a-code-of-conduct/drafting-an-effective-code</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/business-resources/develop-a-code-of-conduct/compliance-and-monitoring</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/business-resources/develop-a-code-of-conduct/annual-review-report-example</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/business-resources/develop-a-code-of-conduct/triennial-review-report-example</loc><lastmod>2023-10-12</lastmod></url><url><loc>/consumers-and-businesses/dealing-with-debt-collectors</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration</loc><lastmod>2026-04-01</lastmod></url><url><loc>/licensing-and-registration/licensing-and-registration-processing-times</loc><lastmod>2025-12-12</lastmod></url><url><loc>/licensing-and-registration/about-mycav</loc><lastmod>2025-07-16</lastmod></url><url><loc>/licensing-and-registration/automatic-mutual-recognition</loc><lastmod>2025-12-23</lastmod></url><url><loc>/licensing-and-registration/automatic-mutual-recognition/amr-notification-form</loc><lastmod>2023-10-11</lastmod></url><url><loc>/licensing-and-registration/automatic-mutual-recognition/list-of-automatic-mutual-recognition-notifications</loc><lastmod>2026-02-18</lastmod></url><url><loc>/licensing-and-registration/mycav-for-incorporated-associations-and-cooperatives</loc><lastmod>2026-04-01</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople</loc><lastmod>2025-09-15</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/becoming-a-registered-building-practitioner</loc><lastmod>2025-07-09</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business</loc><lastmod>2023-09-12</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/working-with-your-home-building-client</loc><lastmod>2023-09-12</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/working-with-your-home-building-client/giving-quotes-tradespeople-and-small-works</loc><lastmod>2025-07-09</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/working-with-your-home-building-client/quality-control-and-complaints</loc><lastmod>2025-07-09</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/working-with-your-home-building-client/during-construction-and-building-completion</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/preliminary-agreements</loc><lastmod>2025-07-09</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/domestic-building-contracts</loc><lastmod>2023-09-12</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/domestic-building-contracts/laws-about-home-building-contracts</loc><lastmod>2025-07-09</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/domestic-building-contracts/what-work-requires-a-building-contract</loc><lastmod>2025-09-25</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/domestic-building-contracts/preparing-a-major-domestic-building-contract</loc><lastmod>2025-12-23</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/domestic-building-contracts/cooling-off-on-a-building-contract</loc><lastmod>2025-07-09</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/domestic-building-contracts/changing-a-domestic-building-contract-price</loc><lastmod>2025-07-09</lastmod></url><url><loc>/licensing-and-registration/builders-and-tradespeople/running-your-business/deposits-and-payments</loc><lastmod>2025-07-09</lastmod></url><url><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ce</loc><lastmod>2023-09-12</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/maintain-your-licence/update-licence-details</loc><lastmod>2023-10-11</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/maintain-your-licence/annual-statement-and-fees</loc><lastmod>2023-10-11</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/maintain-your-licence/professional-indemnity-insurance</loc><lastmod>2023-01-17</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/maintain-your-licence/suspension-and-cancellation</loc><lastmod>2023-10-11</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/office-management-and-staffing</loc><lastmod>2023-10-11</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/electronic-settlement-of-property-transactions</loc><lastmod>2018-08-02</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/trust-accounts</loc><lastmod>2025-06-17</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/trust-accounts/trust-transit-and-controlled-moneys</loc><lastmod>2025-06-17</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/trust-accounts/opening-and-closing-a-trust-account</loc><lastmod>2025-06-17</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/trust-accounts/receiving-trust-money</loc><lastmod>2025-06-17</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/trust-accounts/payments-from-conveyancer-trust-accounts</loc><lastmod>2025-06-17</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/trust-accounts/accounting-for-trust-money</loc><lastmod>2025-06-17</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/trust-accounts/auditing-trust-accounts</loc><lastmod>2025-06-17</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/rules-of-professional-conduct</loc><lastmod>2023-03-08</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/costs-disclosure</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/conveyancers/running-your-business/complaint-handling-and-dispute-resolution</loc><lastmod>2023-03-08</lastmod></url><url><loc>/licensing-and-registration/conveyancers/penalties</loc><lastmod>2025-07-20</lastmod></url><url><loc>/licensing-and-registration/conveyancers/public-register</loc><lastmod>2025-10-16</lastmod></url><url><loc>/licensing-and-registration/conveyancers/fees-and-forms</loc><lastmod>2025-06-30</lastmod></url><url><loc>/licensing-and-registration/co-operatives</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/what-is-a-co-operative</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/register-a-co-operative</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/register-a-co-operative/names-rules-and-disclosure-statement</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/register-a-co-operative/formation-meeting</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/register-a-co-operative/apply-to-register-a-cooperative</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/register-a-co-operative/change-from-an-incorporated-body-to-a-co-operative</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/ÌÒÉ«ÊÓƵ-of-a-co-operative</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/make-changes-to-a-co-operative</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/membership-rights-and-ÌÒÉ«ÊÓƵ</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/handling-disputes-in-a-cooperative</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/merge-with-or-take-over-a-co-operative</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/wind-up-a-co-operative</loc><lastmod>2025-05-27</lastmod></url><url><loc>/licensing-and-registration/co-operatives/search-for-a-registered-co-operative</loc><lastmod>2025-10-03</lastmod></url><url><loc>/licensing-and-registration/co-operatives/penalties</loc><lastmod>2025-07-01</lastmod></url><url><loc>/licensing-and-registration/co-operatives/fees-and-forms</loc><lastmod>2025-07-01</lastmod></url><url><loc>/licensing-and-registration/debt-collectors</loc><lastmod>2025-07-01</lastmod></url><url><loc>/licensing-and-registration/debt-collectors/become-a-debt-collector</loc><la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>2023-10-11</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/rules-of-professional-conduct</loc><lastmod>2020-06-22</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/financial-information</loc><lastmod>2017-11-30</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/financial-information/disclosure</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/financial-information/financial-reporting</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/financial-information/auditing-of-financial-statements</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/financial-information/bank-accounts</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/voting-by-proxy</loc><lastmod>2021-03-27</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/reporting</loc><lastmod>2017-11-30</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/complaint-handling-and-dispute-resolution</loc><lastmod>2023-09-11</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/complaint-handling-and-dispute-resolution/complaint-handling-and-dispute-resolution-overview</loc><lastmod>2021-11-12</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/complaint-handling-and-dispute-resolution/internal-dispute-resolution</loc><lastmod>2018-12-06</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/complaint-handling-and-dispute-resolution/dispute-resolution-through-the-dispute-settlement-centre-of-victoria</loc><lastmod>2018-04-30</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/running-your-business/complaint-handling-and-dispute-resolution/applying-to-vcat</loc><lastmod>2025-04-07</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/penalties</loc><lastmod>2025-07-21</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/public-register</loc><lastmod>2025-10-08</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/fees-and-forms</loc><lastmod>2025-07-01</lastmod></url><url><loc>/licensing-and-registration/owners-corporation-managers/changes-to-the-owners-corporations-act-from-1-december-2021</loc><lastmod>2021-11-30</lastmod></url><url><loc>/licensing-and-registration/professional-engineers</loc><lastmod>2025-11-12</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/who-needs-to-be-registered</loc><lastmod>2025-10-29</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration</loc><lastmod>2025-11-12</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/apply-for-registration-and-endorsement</loc><lastmod>2024-07-03</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/apply-for-registration-and-endorsement/before-you-apply</loc><lastmod>2025-06-30</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/apply-for-registration-and-endorsement/registration-and-endorsement-steps</loc><lastmod>2025-10-29</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/apply-for-registration-and-endorsement/how-to-apply-for-registration-and-endorsement</loc><lastmod>2025-12-12</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/apply-for-registration-and-endorsement/after-you-lodge-your-application</loc><lastmod>2025-12-12</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/apply-for-registration-and-endorsement/applying-for-additional-areas-of-engineering</loc><lastmod>2024-07-03</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/apply-for-registration-and-endorsement/mutual-recognition-of-interstate-and-new-zealand-registration</loc><lastmod>2025-06-30</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/if-you-want-to-work-in-the-building-industry</loc><lastmod>2026-02-05</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/were-you-previously-registered-with-the-victorian-building-authority</loc><lastmod>2025-11-12</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/maintain-your-registration-and-endorsement</loc><lastmod>2023-09-11</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/maintain-your-registration-and-endorsement/continuing-professional-development-cpd</loc><lastmod>2025-11-11</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/maintain-your-registration-and-endorsement/renew-your-registration-and-endorsement</loc><lastmod>2025-11-12</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/maintain-your-registration-and-endorsement/update-your-details</loc><lastmod>2025-10-13</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/maintain-your-registration-and-endorsement/changing-your-type-of-registration</loc><lastmod>2025-10-13</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/maintain-your-registration-and-endorsement/annual-endorsement-statement</loc><lastmod>2025-10-13</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/registration/surrender-suspension-or-cancellation-of-your-registration-or-endorsement</loc><lastmod>2025-07-18</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/professional-conduct</loc><lastmod>2025-11-09</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/public-register</loc><lastmod>2025-10-03</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/fees-and-forms</loc><lastmod>2025-11-11</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/penalties</loc><lastmod>2025-07-18</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/definitions</loc><lastmod>2021-06-25</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/assessment-entities</loc><lastmod>2025-11-12</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/assessment-entities/assessment-schemes-apply-for-approval</loc><lastmod>2025-11-12</lastmod></url><url><loc>/licensing-and-registration/professional-engineers/assessment-entities/public-record-of-assessment-entities</loc><lastmod>2026-02-03</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators</loc><lastmod>2026-02-26</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/retirement-village-reforms</loc><lastmod>2026-03-31</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/register-as-a-retirement-village</loc><lastmod>2026-02-25</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/change-retirement-village-details</loc><lastmod>2018-04-20</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/extinguish-a-charge-or-cancel-a-notice-on-retirement-village-land</loc><lastmod>2018-04-20</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/good-practice-protocols</loc><lastmod>2023-09-12</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/good-practice-protocols/overview</loc><lastmod>2019-04-26</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/good-practice-protocols/protocol-1</loc><lastmod>2017-07-29</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/good-practice-protocols/protocol-2</loc><lastmod>2017-06-15</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/good-practice-protocols/protocol-3</loc><lastmod>2017-06-15</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/good-practice-protocols/protocol-4</loc><lastmod>2018-01-05</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/good-practice-protocols/protocol-5</loc><lastmod>2019-11-17</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/good-practice-protocols/protocol-6</loc><lastmod>2017-06-15</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/good-practice-protocols/protocol-7</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/internal-dispute-resolution-guidelines</loc><lastmod>2023-09-12</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/internal-dispute-resolution-guidelines/overview</loc><lastmod>2018-04-30</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/internal-dispute-resolution-guidelines/managers-obligations</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/internal-dispute-resolution-guidelines/document</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/internal-dispute-resolution-guidelines/recording-information</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/internal-dispute-resolution-guidelines/annual-reporting-ÌÒÉ«ÊÓƵ</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/internal-dispute-resolution-guidelines/unresolved-complaints-and-disputes</loc><lastmod>2018-04-30</lastmod></url><url><loc>/licensing-and-registration/retirement-village-operators/factsheets-and-forms</loc><lastmod>2025-12-05</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators</loc><lastmod>2025-05-16</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/licensing</loc><lastmod>2023-09-11</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/licensing/rooming-house-operators-licensing-scheme</loc><lastmod>2024-04-09</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/licensing/rooming-house-operators-licensing-scheme/rooming-house-operator-licensing-disqualification</loc><lastmod>2023-10-11</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/licensing/apply-for-a-licence</loc><lastmod>2025-12-12</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/licensing/refusal-of-licence</loc><lastmod>2024-04-09</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/licensing/update-licence-details</loc><lastmod>2024-04-09</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/licensing/renew-a-licence</loc><lastmod>2025-01-15</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/running-your-business</loc><lastmod>2023-09-12</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/running-your-business/running-your-business</loc><lastmod>2023-09-12</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/running-your-business/what-must-an-operator-give-a-new-resident</loc><lastmod>2025-12-01</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/running-your-business/checklists-for-rooming-house-operators</loc><lastmod>2025-12-01</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/running-your-business/rooming-house-inspections</loc><lastmod>2025-12-22</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/running-your-business/closing-a-rooming-house</loc><lastmod>2023-09-12</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/definitions</loc><lastmod>2022-05-23</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/penalties-and-ongoing-legal-obligations</loc><lastmod>2025-10-20</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/public-register</loc><lastmod>2025-10-03</lastmod></url><url><loc>/licensing-and-registration/rooming-house-operators/fees-for-rooming-house-operators</loc><lastmod>2025-07-01</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers</loc><lastmod>2025-07-01</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/scrap-metal-laws</loc><lastmod>2025-07-01</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/registration</loc><lastmod>2025-07-01</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/registration/apply-for-registration-and-endorsement</loc><lastmod>2025-12-12</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/registration/maintain-your-registration</loc><lastmod>2025-07-01</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/registration/maintain-your-registration/annual-statement-and-fees</loc><lastmod>2023-10-11</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/registration/maintain-your-registration/update-details</loc><lastmod>2025-09-30</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/registration/maintain-your-registration/update-details/update-details-online-form</loc><lastmod>2025-09-30</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/registration/maintain-your-registration/surrender-or-cancellation</loc><lastmod>2025-09-30</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/registration/trading-in-cars-and-car-parts</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/registration/exemptions</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/registration/disqualification-and-permission</loc><lastmod>2025-01-09</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/registration/associates</loc><lastmod>2023-10-12</lastmod></url><url><loc>/licensing-and-registration/second-hand-dealers-and-pawnbrokers/running-your-business</loc><lastmod>2023-09-1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/running-an-incorporated-association/secretary-committee-and-office-holders/office-holders</loc><lastmod>2021-02-22</lastmod></url><url><loc>/clubs-and-fundraising/incorporated-associations/running-an-incorporated-association/secretary-committee-and-office-holders/delegates-of-incorporated-associations</loc><lastmod>2025-07-16</lastmod></url><url><loc>/clubs-and-fundraising/incorporated-associations/running-an-incorporated-association/meetings</loc><lastmod>2025-07-16</lastmod></url><url><loc>/clubs-and-fundraising/incorporated-associations/running-an-incorporated-association/resolving-disputes</loc><lastmod>2025-07-16</lastmod></url><url><loc>/clubs-and-fundraising/incorporated-associations/cancel-wind-up-or-amalgamate</loc><lastmod>2026-04-01</lastmod></url><url><loc>/clubs-and-fundraising/incorporated-associations/search-for-an-incorporated-association</loc><lastmod>2025-10-03</lastmod></url><url><loc>/clubs-and-fundraising/incorporated-associations/penalties</loc><lastmod>2025-07-20</lastmod></url><url><loc>/clubs-and-fundraising/incorporated-associations/fees-and-forms</loc><lastmod>2024-07-09</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers</loc><lastmod>2025-05-16</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/search-for-a-registered-fundraiser</loc><lastmod>2025-10-03</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/what-is-a-fundraiser</loc><lastmod>2023-10-13</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/registration</loc><lastmod>2023-09-07</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/registration/register-as-a-fundraiser</loc><lastmod>2025-12-12</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/registration/renew-your-fundraiser-registration</loc><lastmod>2020-09-14</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/registration/change-registration-details</loc><lastmod>2020-09-14</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/registration/exemptions-from-registration</loc><lastmod>2021-04-09</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/registration/beneficiaries</loc><lastmod>2020-09-14</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/registration/conditions-on-registration</loc><lastmod>2020-09-14</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/registration/refusal-of-registration</loc><lastmod>2020-09-14</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/charities</loc><lastmod>2024-07-03</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/charities/change-in-charity-status</loc><lastmod>2020-10-29</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/fundraiser-roles</loc><lastmod>2020-12-13</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/ÌÒÉ«ÊÓƵ</loc><lastmod>2023-10-13</lastmod></url><url><loc>/clubs-and-fundraising/fundraisers/fines</loc><lastmod>2025-07-20</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds</loc><lastmod>2023-09-07</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/what-are-patriotic-funds</loc><lastmod>2026-02-05</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/establish-a-patriotic-fund</loc><lastmod>2023-10-13</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/establish-a-patriotic-fund/establish-a-patriotic-fund</loc><lastmod>2023-10-13</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/establish-a-patriotic-fund/patriotic-fund-online-form-registration-or-amalgamation</loc><lastmod>2023-10-17</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/trustee-ÌÒÉ«ÊÓƵ</loc><lastmod>2023-09-07</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/trustee-ÌÒÉ«ÊÓƵ/trustee-obligations-and-tips</loc><lastmod>2017-09-04</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/trustee-ÌÒÉ«ÊÓƵ/change-trustee-or-fund-details</loc><lastmod>2020-09-18</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/trustee-ÌÒÉ«ÊÓƵ/change-trustee-or-fund-details/patriotic-funds-online-form-change-of-details-or-transfer-of-assets</loc><lastmod>2023-10-11</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/trustee-ÌÒÉ«ÊÓƵ/annual-statement-reporting</loc><lastmod>2025-02-26</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/trustee-ÌÒÉ«ÊÓƵ/requests-for-further-information</loc><lastmod>2017-06-07</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/trustee-ÌÒÉ«ÊÓƵ/trustee-also-incorporated-association</loc><lastmod>2024-10-22</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/annual-statement-audit-requirements</loc><lastmod>2025-02-26</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/using-patriotic-funds</loc><lastmod>2023-09-07</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/using-patriotic-funds/what-can-patriotic-funds-be-used-for</loc><lastmod>2020-05-20</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/using-patriotic-funds/transfers-and-donations</loc><lastmod>2025-10-01</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/using-patriotic-funds/investing-and-spending-funds</loc><lastmod>2019-10-31</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/using-patriotic-funds/keeping-bank-accounts</loc><lastmod>2017-06-30</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/close-a-patriotic-fund</loc><lastmod>2018-03-02</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/how-we-enforce-the-law</loc><lastmod>2023-09-05</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/how-we-enforce-the-law/patriotic-funds-laws</loc><lastmod>2024-10-08</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/how-we-enforce-the-law/compliance-and-enforcement</loc><lastmod>2024-10-08</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/how-we-enforce-the-law/investigation-powers</loc><lastmod>2025-04-07</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/how-we-enforce-the-law/enforcement-powers</loc><lastmod>2023-10-06</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/how-we-enforce-the-law/working-with-trustees</loc><lastmod>2019-10-31</lastmod></url><url><loc>/clubs-and-fundraising/patriotic-funds/how-we-enforce-the-law/appealing-director-decisions</loc><lastmod>2021-03-28</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants</loc><lastmod>2026-02-01</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-renter-rights-program</loc><lastmod>2026-03-18</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-property-fund-grants</loc><lastmod>2026-01-23</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-property-fund-grants/rental-stress-support-package</loc><lastmod>2025-10-10</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-property-fund-grants/rental-stress-support-package/contact-rental-stress-support-package-agencies</loc><lastmod>2025-10-10</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-property-fund-grants/financial-counselling-funding-round-2024-25</loc><lastmod>2025-11-14</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-property-fund-grants/financial-counselling-funding-round-2024-25/contact-financial-counselling-funding-round-agencies</loc><lastmod>2025-11-14</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-property-fund-grants/victorian-property-fund-grants</loc><lastmod>2024-09-03</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-property-fund-grants/victorian-property-fund-grant-application-guide</loc><lastmod>2024-05-17</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-property-fund-grants/guidelines-for-housing-assistance-grants</loc><lastmod>2025-07-16</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-property-fund-grants/acknowledgement-and-publicity-guidelines</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-property-fund-grants/housing-funding-round-2018-19</loc><lastmod>2024-05-17</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/victorian-property-fund-grants/environmentally-sustainable-housing-funding-round-2017-18</loc><lastmod>2024-05-17</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/financial-counselling-program</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/overview</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/practice-elements</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/practice-elements/financially-disadvantaged-and-vulnerable-criteria</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/practice-elements/sample-intake-information</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/inter-agency-casework-referrals</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/client-services</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/client-services/areas-of-legal-advice-from-the-legal-advice-workers-line</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/non-client-services</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/updates</loc><lastmod>2024-10-23</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/updates/update-8</loc><lastmod>2021-08-11</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/updates/update-7</loc><lastmod>2021-08-11</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/updates/update-6</loc><lastmod>2021-08-11</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/updates/update-5</loc><lastmod>2021-08-11</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/updates/update-4</loc><lastmod>2021-08-11</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/updates/update-3</loc><lastmod>2021-08-11</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/updates/update-2</loc><lastmod>2021-08-11</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/service-delivery-model-induction-tool/updates/update-1</loc><lastmod>2021-08-11</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/a-revised-service-delivery-model-proposal-for-generalist-financial-counselling</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/financial-counselling-program-2021-26/financial-counselling-program-providers</loc><lastmod>2025-12-03</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/tenancy-program-2021-26</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/tenancy-program-2021-26/tenancy-program</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/tenancy-program-2021-26/tenancy-assistance-and-advocacy-program</loc><lastmod>2025-06-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/tenancy-program-2021-26/tenancy-assistance-and-advocacy-program/tenancy-assistance-and-advocacy-program-providers</loc><lastmod>2022-05-19</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/tenancy-program-2021-26/tenancy-central-service</loc><lastmod>2021-08-11</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/tenancy-program-2021-26/retirement-housing-assistance-and-advocacy-program</loc><lastmod>2021-08-11</lastmod></url><url><loc>/clubs-and-fundraising/funded-services-and-grants/consumer-program</loc><lastmod>2023-10-13</lastmod></url><url><loc>/resources-and-tools</loc><lastmod>2026-03-30</lastmod></url><url><loc>/resources-and-tools/forms-and-publications</loc><lastmod>2026-02-06</lastmod></url><url><loc>/resources-and-tools/legislation</loc><lastmod>2023-09-07</lastmod></url><url><loc>/resources-and-tools/legislation/legislation-we-administer</loc><lastmod>2026-02-05</lastmod></url><url><loc>/resources-and-tools/legislation/public-consultations-and-reviews</loc><lastmod>2026-03-18</lastmod></url><url><loc>/resources-and-tools/legislation/public-consultations-and-reviews/property-market-review</loc><lastmod>2022-02-18</lastmod></url><url><loc>/resources-and-tools/legislation/public-consultations-and-reviews/new-minimum-energy-efficiency-and-safety-standards-for-rental-properties</loc><lastmod>2026-03-30</lastmod></url><url><loc>/resources-and-tools/legislation/public-consultations-and-reviews/new-regulations-governing-incorporated-associations-in-victoria</loc><lastmod>2023-11-17</lastmod></url><url><loc>/resources-and-tools/other-languages</loc><lastmod>2023-09-05</lastmod></url><url><loc>/resources-and-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ames-donald-court-action</loc><lastmod>2021-03-26</lastmod></url><url><loc>/latest-news/dimmeys-stores-pty-ltd-starite-distributors-pty-ltd-and-douglas-edward-zappelli-court-action</loc><lastmod>2018-06-29</lastmod></url><url><loc>/latest-news/dnl-security-australia-pl-skilltopia-pl-and-natasha-petrovska-and-lou-petrovski-court-action</loc><lastmod>2017-07-13</lastmod></url><url><loc>/latest-news/durmaz-pty-ltd-sergio-durso-and-alfred-mazzaferro-court-action</loc><lastmod>2021-01-12</lastmod></url><url><loc>/latest-news/dynasty-global-pty-ltd-and-andrew-sackl-court-action</loc><lastmod>2024-10-21</lastmod></url><url><loc>/latest-news/emrah-sen-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/eric-cohen-court-action</loc><lastmod>2020-05-01</lastmod></url><url><loc>/latest-news/frank-flanagan-and-matthew-white-trading-as-elite-franchise-recruitment-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/g-l-lee-real-estate-pty-ltd-and-quoc-hung-ly-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/gayle-stewart-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/hassan-al-banna-al-dali-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/hoverboards-public-warning</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/james-paul-moularas-court-action</loc><lastmod>2024-10-21</lastmod></url><url><loc>/latest-news/joel-phillip-murray-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/keat-enterprises-pty-ltd-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/kian-meng-ong-also-known-as-dennis-ong-court-action</loc><lastmod>2017-07-20</lastmod></url><url><loc>/latest-news/konstantinos-balasis-appeal-decision-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/konstantinos-balasis-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/low-cost-conveyancing-and-ashley-clarke-court-action</loc><lastmod>2018-08-28</lastmod></url><url><loc>/latest-news/mandeep-johal-court-action</loc><lastmod>2018-08-02</lastmod></url><url><loc>/latest-news/mark-bailey-and-bailey-designed-engineering-pty-ltd-court-action</loc><lastmod>2020-05-02</lastmod></url><url><loc>/latest-news/mark-smith-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/mark-william-whittingham-and-connection-blue-pty-ltd-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/mayman-pty-ltd-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/michael-robert-knight-court-action</loc><lastmod>2018-11-07</lastmod></url><url><loc>/latest-news/morgan-realty-pty-ltd-and-kent-morgan-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/mr-yuting-wang-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/mustapha-ali-ali-court-action</loc><lastmod>2019-05-08</lastmod></url><url><loc>/latest-news/nigel-vivian-cowan-court-action2</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/pamela-redford-and-ambiance-property-group-pty-ltd-court-action</loc><lastmod>2018-04-13</lastmod></url><url><loc>/latest-news/qantas-airways-limited-and-alpha-flight-services-pty-ltd-court-action</loc><lastmod>2024-10-08</lastmod></url><url><loc>/latest-news/robert-turner-and-neil-turner-trading-as-classic-refrigeration-and-catering-equipment-public-warning</loc><lastmod>2020-11-04</lastmod></url><url><loc>/latest-news/robsco-nominees-pty-ltd-court-action</loc><lastmod>2019-02-08</lastmod></url><url><loc>/latest-news/scott-hoare-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/silk-road-trading-aust-pty-ltd-and-shaole-wu-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/solareco-pty-ltd-court-action</loc><lastmod>2018-12-28</lastmod></url><url><loc>/latest-news/superstar-removals-and-cleaning-shine-removals-blue-rhino-removals-and-transport-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/terry-pak-kwai-choe-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/todd-buzza-public-warning</loc><lastmod>2021-02-09</lastmod></url><url><loc>/latest-news/top-blue-pty-ltd-and-ping-zhang-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/toy-palace-public-warning</loc><lastmod>2024-10-21</lastmod></url><url><loc>/latest-news/umberto-tassoni-court-action</loc><lastmod>2020-01-11</lastmod></url><url><loc>/latest-news/yuze-cao-and-auscarclub-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/adam-greiner-court-action</loc><lastmod>2017-05-03</lastmod></url><url><loc>/latest-news/alejandro-bejares-director-of-alandale-homes-pty-ltd--court-action</loc><lastmod>2020-12-09</lastmod></url><url><loc>/latest-news/allen-patterson-and-cynthia-patterson-cohuna-car-sales-court-action</loc><lastmod>2024-10-21</lastmod></url><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