The role of law reform has responded to some extent quite effectively by protecting consumer rights. This is evident in the legal responses introduced to address issues relating to credit, marketing innovation and technology. These legislative changes have indeed increased the protection of consumer rights to some extent, however gaps still exist. Due to the ever-growing range of goods and services and the failure of existing laws, the role of legislative reform has been significant in protecting consumer rights. Consumer laws were created to prevent deceptive activities or unfair trade practices, as well as protect weaker parties who are unable to protect themselves. However, the laws have subsequently been reformed to allow customers to transact with confidence and protect suppliers and consumers from inappropriate business conduct, and to reflect the changing values ​​and circumstances of the community. A credit transaction occurs when a consumer purchases a good or service and pays for it in the future. Using a credit card can be useful because it is convenient, saving time and effort. However, due to the extensive use of credit cards in Australia, legal problems have arisen such as the inability of consumers to repay their debts, unfair contract terms and inadequate procedures of credit providers. Prior to 1996, the Credit Act 1984 (NSW) was introduced as the only piece of legislation regulating credit to customers. However, because it only offered protection to less than 20% of consumers, the Consumer Credit Code was established in 1996 under the Consumer Credit (NSW) Act 1995 (NSW). This code is a set of uniform national rules on consumer credit transactions and has been adopted by all governments across… middle of paper… and penalties may apply if the law is violated. This is evident in the case of 24 x 7 Direct Pty Ltd, where the company was fined $8800 for breaching legislation. Therefore, the role of legislative reform is quite effective in protecting consumer rights, but it is the awareness of the consumer to register the number of the telemarketer, which explains why it is effective. The role of legislative reform has been extremely significant and effective in protecting consumer rights. consumer rights. The changes and reforms made to the failure of existing laws have certainly increased consumer protection by improving access and awareness, however gaps still exist which detract from the overall effectiveness of the legal system in protecting consumers. This therefore indicates that further reforms are needed to improve the effectiveness of the legal system.