INFO 134
Complying with your obligations if both credit licensee and AFS licensee
This is Information Sheet 134 (INFO 134). This information sheet explains how to comply with your obligations if you are both:.
In plain English
INFO 134 explains obligations for businesses holding both an Australian Credit Licence (ACL) and an Australian Financial Services Licence (AFSL).
INFO 134 applies to businesses holding both an ACL and an AFSL. It clarifies how to meet obligations under both licences. ASIC published this information sheet to help businesses understand their responsibilities. It does not state a commencement or revision date.
Why it matters
Holding both licences means you must meet requirements from both frameworks. This guidance helps ensure you’re fulfilling all obligations, reducing compliance risk and protecting consumers.
AI-assisted summary, grounded in the source link below. Generated 2026-05-23 via gemma3:12b.
Issuing regulator
ASIC →Topics
Source: https://www.asic.gov.au/for-finance-professionals/credit-licensees/your-ongoing-credit-licence-obligations/complying-with-your-obligations-if-both-credit-licensee-and-afs-licensee/. Rules Mate indexes + summarises; always verify against the regulator's live publication.