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Credit Compliance

Australian Credit Licensees adopting connected compliance infrastructure

Why Australian Credit Licensees Are Adopting Compliance Infrastructure

July 19, 2026

Australian Credit Licensees need more than policies and spreadsheets. This article explains how compliance infrastructure connects regulatory obligations, representative supervision, responsible lending, complaints, incidents, remediation and governance reporting into a defensible operating model.
Credit compliance professional reviewing Australian Credit Licensee files

A Practical Guide to High-Level Credit File Reviews for Australian Credit Licensees

July 3, 2026

Credit file reviews can reveal weak credit decisions, poor documentation and supervision failures. This guide explains how Australian Credit Licensees can design risk-based reviews that produce meaningful compliance and governance evidence.

What Does the Best Interests Duty Really Require of Mortgage Brokers?

June 10, 2026

Most mortgage brokers intend to do the right thing. The Best Interests Duty requires more than good intentions. ASIC expects brokers to demonstrate why a recommendation was in a consumer’s best interests through evidence, reasoning and documentation. This article examines RG 273, professional judgement, conflicts, record keeping and practical BID compliance.

What Is an Australian Credit Licence? A Practical Guide for Credit Businesses

June 3, 2026

An Australian Credit Licence (ACL) authorises businesses to engage in regulated credit activities under the National Consumer Credit Protection Act. Learn who needs an ACL, the role of Responsible Managers, organisational competence, ongoing compliance obligations and the governance systems required to maintain a compliant credit business.

Are You Ready to Hold an Australian Credit Licence?

June 1, 2026

Applying for an Australian Credit Licence is more than completing an ASIC application. Learn how to demonstrate organisational competence, compliance readiness, Responsible Manager capability and governance before lodging your ACL application.

Governance Essentials for Australian Credit Licensees: A Practical Guide

May 14, 2026

Strong governance helps Australian Credit Licensees demonstrate effective oversight, manage risk and satisfy ASIC expectations. Learn the practical governance framework, controls, evidence and reporting needed to build a defensible compliance program.

Streamlined Compliance: Advanced Audit Solutions for Credit Aggregators

July 21, 2025

Manual audits are no match for AUSTRAC’s demands. Discover how [complye] helps credit aggregators achieve scalable, real-time compliance without compromising broker relationships.

Modernising Compliance Management: A Guide for Credit Providers

March 31, 2025

In today’s evolving regulatory landscape, credit providers can no longer rely on outdated compliance processes. As complexity grows, so too does the need for scalable, technology-enhanced solutions that deliver real-time insights, streamline reporting, and mitigate risk. This guide explores how the [complye] RegTech platform empowers mortgage aggregators and Australian Credit Licence holders to transform their compliance frameworks—ensuring they meet regulatory obligations while improving operational efficiency. With structured implementation steps and a focus on measurable outcomes, this is your roadmap to proactive, data-driven compliance management.
Head to Head: Best interests, mortgages and financial product advice.

Head to Head: Best interests, mortgages and financial product advice.

October 5, 2020

Smarter Compliance. Mortgage broking is either not at all similar to financial planning or not at all dissimilar to financial planning. In reality, it’s a tougher question to answer than might first appear. The obvious differences might be illusory and we might be looking at two industries divided by common obligations. In this article, two authors address the comments directed to us on the issue and, hopefully, address the presumptions and misconceptions.
Beyond wagyu and shiraz: a new world for mortgage brokers

Beyond wagyu and shiraz: a new world for mortgage brokers

August 10, 2020

Smarter compliance. More than a few Mortgage brokers have painstakingly explained to us that they always act in their clients’ best interests, but, from 1 January 2021 they have a statutory obligation to do so. This article explores ASIC released Regulatory Guide 273 “Mortgage Brokers: Best Interest duty” and, although the author stubbornly refers to ‘clients’ rather than consumers, still offers some insights to assist brokers, and their authorising licensees, to manage the new obligations.

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