A bank or other credit provider can refuse someone credit because of an unfavourable credit report. In South Australia consumers have rights under both State and Commonwealth legislation. The Fair Trading Act 1987 regulates the reporting of credit files. The most significant protection is found in the Privacy Act 1988 (Cth) which both protects the privacy of consumer credit information and gives consumers the right to gain access to their credit information files. Unlike the State Act, the Privacy Act also applies to banks so it provides greater protection.