We understand the frustration and the inappropriateness associated with a "one size fits all" approach, and have designed the procedures in a way which allows the licensee control of the content.
The following procedures are available for purchase separately or together at a discounted price (not downloadable, please contact us after payment has been made for these to be sent to you):
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Purchase this Australian Credit Licensee Compliance Manual, which is benchmarked against credit laws, and ASIC regulatory guides.
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Designed to act as an umbrella "compliance plan" for the greater compliance manual.
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Designed to comply with the requirement to ensure clients are not disadvantaged by conflicts of interest that arise wholly or partly in relation to your credit activities by identifying, managing and monitoring conflicts of interest.
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An internal and external despite resolution procedure are provided in this document, in addition to a complaints register.
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Designed to assist compliance with the requirements to have adequate financial resources and have adequate arrangements in place to compensate consumers outlined in s47(1) of the National Consumer Credit Protection Act 2009.
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This procedure* is designed to assist in compliance with the requirement to have adequate human resources to engage in credit activities and carry out supervisory arrangements.
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This procedure* is designed to assist in compliance with the requirement to have adequate technological resources to engage in credit activities and carry out supervisory arrangements.
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This procedure* has been designed to comply with RG 205 - Credit Licensing: General Conduct Obligations.
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This procedure covers the appointment of representatives including employee representatives, credit representatives, fit & proper people and responsible managers.
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This procedure has been designed to meet the responsible lending requirements of both credit providers and credit assistance provides in relation to credit contracts and consumer leases.
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This procedure covers the training requirements for representatives including employee representatives, credit representatives and responsible managers. It also makes specific reference to the training requirements of mortgage broking representatives.
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* None of these procedures will comply with the regulatory requirements
if they are not correctly tailored to your particular business. Compact-Compliance & Corporate Training is not responsible for the
upkeep of these procedures once purchased by the licensee. The content
of each procedure will vary depending on legislative and policy changes
and updates, as well as the nature of the licensee. These procedures
will be current on the date of purchase.
* Liability limited by a scheme approved under Professional Standards Legislation.
**This procedure is only organisational. It does not address financial reporting and financial auditing requirements.