POS vs. ACL
The Game Has Changed. Are You Keeping Up?
For years, motor dealers operated under the ‘Point of Sale’ exemption, where the compliance burden sat largely with the lenders. By holding your own Australian Credit License (ACL), the playing field has shifted. You are no longer just a dealer; you are a credit provider in the eyes of ASIC.
The difference is massive:
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The POS Exemption: Provided a safety net with limited direct regulatory oversight.
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The ACL: Requires robust Internal Dispute Resolution (IDR), Annual Compliance Certificates, strict "Fit and Proper" person requirements, and rigorous Responsible Lending obligations.
We bridge that gap. We provide the specialized expertise needed to manage an ACL without the overhead of a full-time compliance department.
Industries
Financial Services and Banking
Automotive
Brokerage
POS finance
Consumer & commercial lending
Explore Our Solutions
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ACL Compliance Frameworks
We don't just give you a manual; we build a living compliance framework. This includes tailored Credit Guides, Quote forms, and Proposal documents that meet National Consumer Credit Protection (NCCP) Act standards.
Responsible Lending Audits
ASIC’s focus on "Best Interests" and "Appropriateness" is sharper than ever. We conduct regular file audits to ensure your F&I team is documenting the 'why' behind every loan, protecting your license from regulatory intervention.
ASIC Reporting & Annual Certificates
The Annual Compliance Certificate is more than a "tick-box" exercise. We assist in the preparation and submission of your yearly requirements, ensuring your disclosures are accurate and your business remains in good standing.
F&I Staff Training
Your sales floor is your biggest risk—and your biggest opportunity. We provide specialized training for Business Managers on the technical nuances of operating under an ACL, focusing on disclosure, conflict of interest, and hardship protocols.