Amendments Nos. 285, 285a, 285b, 285c, 285d, 285e, 285f, and 285g are related and may be discussed together. Is that agreed? Agreed.

I move amendment No. 285:

In page 60, subsection (1), line 25, after "advertisement" to insert "or information document displayed or published".

These amendments are designed to ensure that the Director's remit under this section is extended to include information documents as defined in section 96. Information documents on housing loans are by their very nature intended to advertise housing loan packages and, as such, come within the ambit of this section.

I move amendment No. 285a

In page 60, subsection (1), line 26, after "advertisement" to insert "or information document".

I move amendment No. 285b

In page 60, subsection (2) (a), line 29, after "advertisements" to insert "or information documents".

I move amendment No. 285c

In page 60, subsection (2) (b), line 31, after "advertisements" to insert "or information documents".

I move amendment No. 285d

In page 60, subsection (2) (c), line 33, after "advertisements" to insert "or information documents".

I move amendment No. 285e

In page 60, subsection (2) (c), line 35, after "advertisement" to insert "or information document".

I move amendment No. 285f

In page 60, subsection (2) (d), line 37, to delete "or any advertisement" and substitute "or information document or any other advertisement or information document".

I move amendment No. 285g:

In page 60, subsection (2) (e), line 40, after "advertisement" to insert "or information document".

The negative formulation of this section seems strange. Should we not encourage the Director to promulgate codes of practice rather than have him monitor advertisements and then subsequently introduce prohibitions? It is welcome that he has these powers to prohibit. Does the Minister envisage the Director taking a more positive role in saying what should be in these——

To prohibit and require.

Should he set out the dos and the don'ts more positively? I am not saying he should not have these powers.

While the clauses say "prohibit" and "require", the implementation of that will not be as draconian as it sounds.

It has the advantage of giving the Director time to examine practice and evolve.