Federal and state legislation can vary when delivering a financial service. The NCCP Act requires a credit guide, which includes commission arrangements, to be provided to a client 'as soon as practicable' after it is likely that a lender or financial service provider (you) will provide a consumer with credit assistance. Explain how the requirements of the NCCP Act differ from those of NSW Fair Trading in regards to the timing of disclosure of referral fees or commissions being paid or received. (40 words)