Australian Credit Licence (ACL) Compliance Services
We help ACL holders & credit representatives design, implement & maintain compliance frameworks that meet NCCP & ASIC expectations. From obligations registers & policies to breach reporting, AFCA & ASIC liaison, we keep your ACL compliance aligned with how your credit business actually runs.
ACL compliance support for licensees & representatives
We work with ACL holders & credit representatives who want practical compliance arrangements that actually work in their business – not just template manuals. Our ACL lawyers help you translate licence conditions, NCCP obligations & ASIC expectations into day‑to‑day processes your team can actually follow.
We design & refine ACL compliance frameworks, obligations registers, monitoring plans & reporting so you can evidence how you supervise credit activities if ASIC ever asks.
Our ACL Compliance Services
We work with ACL holders & credit representatives who need robust, risk‑based compliance frameworks rather than generic template manuals. We design & maintain obligations registers, policies, incident processes & reporting so you can evidence how you supervise credit activities in line with NCCP & ASIC expectations.
Our ACL compliance services include:
01. Ongoing ACL Compliance & Advisory
We provide ongoing ACL compliance support so your day‑to‑day obligations stay under control, by:
- managing & updating your obligations register, conflicts register & key compliance records;
- answering regulatory queries from staff, credit reps & management;
- coordinating with your IDR/AFCA processes so complaints & compliance work together.
02. Policy & Framework Design
We design or update ACL compliance policies & frameworks that match your lending & broking operations, by:
- drafting credit policies, monitoring plans & risk registers tailored to your products & channels;
- documenting hardship, complaints & compensation processes aligned with your licence conditions;
- aligning policies with your obligations register & governance structure.
03. Breach Reporting & Incident Management
We help you manage incidents & reportable situations under ASIC’s regime, by:
- assessing incidents against ACL conditions & the reportable situations rules;
- documenting decisions, remediation steps & any breach reports to ASIC;
- supporting root‑cause analysis so similar issues are less likely to recur.
04. Annual Compliance Certificates
We support you in preparing accurate Annual Compliance Certificates, by:
- reviewing your registers, financial position & key ACL indicators before sign‑off;
- checking that reported data is consistent with your internal records;
- reducing the risk of making false or misleading statements to ASIC.
05. Responsible Manager (RM) Support
We support Responsible Managers to meet ASIC’s expectations under RG 206, by:
- clarifying RM roles, responsibilities & reporting lines;
- providing training on statutory duties, liability & competence requirements;
- helping RMs evidence their oversight of ACL obligations.
06. Marketing & Distribution Reviews
We review marketing & distribution activity through an ACL & NCCP lens, by:
- auditing website copy, ads, credit guides & key disclosures for misleading or non‑compliant content;
- checking that marketing aligns with your authorisations & target markets;
- flagging NCCP & responsible lending risks before campaigns go live.
Auditing website copy, ads & credit guides to flag misleading claims or NCCP risks before publication.
Who We Advise
We act for credit licensees & credit representatives that have ongoing credit activity, governance expectations & recurring compliance questions. If you provide or facilitate credit, broker loans, operate credit platforms or sit within a wider credit group, we help you build & maintain ACL compliance frameworks that fit how you actually lend.
Our focus is on businesses that want consistent, senior‑level compliance support – from specialist credit providers through to intermediaries & platform‑based models that need clear obligations, policies, monitoring & reporting.
ACL compliance clients we act for include:
Product providers
Advice providers
Credit providers
AFSL wholesale
Payments businesses
Carbon markets & renewables
Fintechs
Crypto, digital currency & virtual asset providers
Our Clients Include
Discuss Your ACL Compliance Needs
Our ACL lawyers will contact you to discuss your situation & outline next steps.
How The Process Works
Step 1
Compliance health‑check
We review your current ACL framework, registers, policies & key issues to identify gaps against NCCP & ASIC expectations.
Step 2
Priority fixes & risk stabilisation
We address the highest‑risk gaps first – e.g. critical policy holes, missing registers or weak incident processes – so your immediate exposure is reduced.
Step 3
Framework build‑out
We design or refine your obligations register, policies, monitoring plans & reporting so they fit your credit activities & governance structure.
Step 4
Ongoing advisory & monitoring support
We can continue as your outsourced ACL compliance adviser, helping with day‑to‑day questions, incident assessments, AFCA matters & ASIC engagement.
What Our Clients Say About Working With Us
Jason Gold
Managing Director, IT Pro Tech"At IT Pro Tech, we partner with businesses who share our commitment to integrity. Click Legal stands out in the legal space for exactly that. Hannah and the team impressed us with their deep understanding of compliance-heavy sectors and their ability to offer clear, practical legal advice without overcomplicating the process."
Guy Raven
Head of Surveillance Advisory, Westpac"Hannah demonstrated exceptional leadership and regulatory expertise. She played a pivotal role in developing the control room and establishing a strong regulatory compliance framework... Beyond her deep technical knowledge, Hannah is an outstanding mentor, approachable, and insightful."
Antonella Spatola
Founder, True To You Charity"Hannah at Click Legal has supported the board in establishing our documentation and legal framework to start on a solid footing. We appreciate her authentic interest in the charity's mission... We appreciate how she explains complex concepts in simple terms, avoiding legal jargon."
Sharon Yang
Head of Investment & Capital Mgmt"Hannah and Click Legal have provided reliable legal advice to us. It has been integral in helping us meet all our AFSL obligations with confidence. I highly recommend their services to any business needing compliance support."
Jason Watts GAICD
Managing Director, Neu Capital"Hannah blends rare regulatory expertise with sharp business acumen. As her Manager at Barclays, I watched her master APRA/ASIC frameworks and turn them into clear, actionable strategies... She's the kind of professional who simplifies complexity, and her integrity is unmatched."
Stuart Hill
Program Manager/Operations Manager"Hannah has exceptional depth of knowledge and expertise in building robust legal, risk, and compliance frameworks... Beyond her technical expertise, Hannah is a strategic thinker and a genuinely kind, friendly person who always supports and helps others."
Jason Lowry
Co-Founder, LPG"Could not recommend Click Legal more highly! Must have for start ups and small business owners looking to trust someone to help set up your business right!"
Jason Gold
Managing Director, IT Pro Tech"At IT Pro Tech, we partner with businesses who share our commitment to integrity. Click Legal stands out in the legal space for exactly that. Hannah and the team impressed us with their deep understanding of compliance-heavy sectors and their ability to offer clear, practical legal advice without overcomplicating the process."
Guy Raven
Head of Surveillance Advisory, Westpac"Hannah demonstrated exceptional leadership and regulatory expertise. She played a pivotal role in developing the control room and establishing a strong regulatory compliance framework... Beyond her deep technical knowledge, Hannah is an outstanding mentor, approachable, and insightful."
Antonella Spatola
Founder, True To You Charity"Hannah at Click Legal has supported the board in establishing our documentation and legal framework to start on a solid footing. We appreciate her authentic interest in the charity's mission... We appreciate how she explains complex concepts in simple terms, avoiding legal jargon."
Sharon Yang
Head of Investment & Capital Mgmt"Hannah and Click Legal have provided reliable legal advice to us. It has been integral in helping us meet all our AFSL obligations with confidence. I highly recommend their services to any business needing compliance support."
Jason Watts GAICD
Managing Director, Neu Capital"Hannah blends rare regulatory expertise with sharp business acumen. As her Manager at Barclays, I watched her master APRA/ASIC frameworks and turn them into clear, actionable strategies... She's the kind of professional who simplifies complexity, and her integrity is unmatched."
Stuart Hill
Program Manager/Operations Manager"Hannah has exceptional depth of knowledge and expertise in building robust legal, risk, and compliance frameworks... Beyond her technical expertise, Hannah is a strategic thinker and a genuinely kind, friendly person who always supports and helps others."
Jason Lowry
Co-Founder, LPG"Could not recommend Click Legal more highly! Must have for start ups and small business owners looking to trust someone to help set up your business right!"
Discuss Your ACL Compliance Needs
Our ACL lawyers will contact you to discuss your situation & outline next steps.
Why Choose Click Legal For ACL Compliance
Credit regulation specialists
We focus on consumer credit & NCCP, not generic commercial work, so your ACL framework is built by lawyers who live in this regime.
Experience across lenders, brokers & fintechs
We act for non‑bank lenders, brokers, aggregators & fintech credit providers, so we understand how ACL obligations apply in different models.
Integrated legal & compliance capability
We combine ACL legal advice with practical frameworks, policies & registers, so compliance work is aligned with your actual operations.
Fixed, transparent support
We offer clear scopes & fixed‑fee or retainer options for ACL compliance support, so you can budget with confidence instead of worrying about open‑ended hourly bills.
Meet Your Legal Team
Discuss Your ACL Compliance Needs
Our ACL lawyers will contact you to discuss your situation & outline next steps.
ACL compliance Essentials
Obligations registers & calendars
A clear obligations register & compliance calendar sit at the centre of a workable ACL framework, showing who owns each duty, when it is due & how you evidence it.
We build or refine these tools with you so day‑to‑day tasks, sign‑offs & reporting are organised instead of reactive.
IDR, AFCA & complaints handling
Credit licensees must maintain effective internal dispute resolution processes & AFCA membership, with hardship, complaints & remediation flowing cleanly into your ACL framework.
We review & upgrade your complaints, hardship & AFCA responses so they meet regulatory standards and align with your policies.
Breach reporting under RG 78
ASIC’s reportable situations regime requires timely assessment & reporting of significant breaches, supported by clear documentation.
We help you design incident & breach processes, triage real‑world cases & prepare any required reports so you can show ASIC a structured approach when issues arise.
SIC engagement & file readiness
Surveillance visits & information requests are a normal part of the ACL landscape, and being “file ready” makes those interactions far easier.
We help you organise policies, registers, sample files & Board/committee packs so you can respond quickly & confidently if ASIC comes knocking.
Essential Compliance Documents for ACL Holders
Legal & Compliance Insights
Frequently Asked Questions About ACL Compliance
What is the difference between a compliance consultant & a lawyer?
A consultant can help with processes, but a lawyer can provide legal advice that may attract legal professional privilege & interpret complex legislation like the NCCP Act. Our role is to ensure your ACL framework is not just a tick‑box exercise, but grounded in the actual legislation & regulatory guidance so it can stand up to ASIC or AFCA scrutiny.
How often do we need to review our ACL policies?
You should review your ACL framework regularly – at least annually and whenever there are significant changes to your business model, products, systems or credit legislation. ASIC expects your arrangements to remain current, so set‑and‑forget policies create compliance risk.
Do we need a dedicated internal compliance officer?
Not always; many smaller licensees outsource this function so they meet obligations without the cost of a full‑time hire. We can act as your outsourced ACL compliance team, while for larger organisations we support in‑house risk & compliance staff.
What happens if we breach a licence condition?
You should promptly assess whether the incident is a reportable situation under ASIC’s regime, then take steps to contain, remediate & prevent recurrence. We help you triage incidents, determine if a report is required, draft any notifications & structure remediation.
Can you help us prepare for an ASIC surveillance visit?
Yes, we run mock audits, file reviews & walk‑throughs of your framework to identify gaps before ASIC arrives. We also prepare Responsible Managers & key staff for interviews so they can demonstrate real organisational competence.
Do you assist with the Annual Compliance Certificate?
Yes, we review your registers, financial position & key ACL indicators before you submit your Annual Compliance Certificate. This helps ensure the information you provide to ASIC is accurate & reduces the risk of making false or misleading statements.
Does our ACL compliance cover AML/CTF obligations?
No, AML/CTF is a separate regulatory regime with its own program, evaluation & reporting requirements. We can help you with both ACL & AML/CTF so credit compliance & financial crime controls work together rather than in silos.
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