Centre Alliance member of parliament Rebekha Sharkie has introduced a private member's bill to amend the small amount credit contract and consumer lease provisions of the National Consumer Credit Protection Act.The bill introduces a cap on the total payments that can be made under a consumer lease. It requires small amount credit contracts to have equal repayments and equal payment intervals.It removes the ability of SACC providers to charge monthly fees in respect of the residual term of a loan where a consumer repays the loan early.It bans door-to-door selling by lessors and credit assistance providers. And it strengthens penalties.If all that sounds familiar it is because Sharkie's bill replicates the government's own exposure draft bill released for consultation in October 2017. The government was responding to recommendations of the Independent Review of Small Amount Credit Contract Laws, which recommended a tougher approach to SACCs and consumer leases.After releasing the draft the government went cold on the reform. Sharkie's bill puts the issue back on the agenda, although how far it progresses through the Parliament remains to be seen.In addition to the provisions in the government's 2017 draft, the new bill amends credit regulations to reduce the amount of a Centrelink recipient's earnings that can be used for each repayment from 20 per cent to 10 per cent.It also introduces a similar protected earnings provision for consumer leases.The bill should get plenty of support from the consumer sector. Fed up with government inaction on the issue, in August 17 consumer advocacy and financial counselling bodies set up a body called The Stop the Debt Trap Alliance to push for law reform.Consumer Action Law Centre chief executive Gerard Brody said in a statement: "The Government's commitment to implement the recommendations made in the wake of the Hayne royal commission is a promising step forward. However, the government roadmap still won't address the harmful practices of the multi-million dollar payday lending industry, which fell outside the scope of the royal commission."The Alliance is calling for the government to enact the recommendations of the small amount credit contract review.