RG 203
Do I need a credit licence?
Issued 12 October 2017. This guide is for people who may engage in credit activities as defined in the National Consumer Credit Protection Act 2009 (National Credit Act).
In plain English
This guide explains when your business needs an Australian Credit Licence (ACL) to provide credit related services.
RG 203 helps businesses understand if they need an ACL under the National Credit Act 2009. It applies to those who may engage in credit activities. The guide was issued on 12 October 2017. It clarifies what activities require a licence and provides guidance on determining licensing obligations.
Why it matters
Offering credit services without the correct licence can have serious consequences. This guide helps small and medium businesses avoid legal issues and ensure they comply with consumer credit laws.
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/regulatory-resources/find-a-document/regulatory-guides/rg-203-do-i-need-a-credit-licence/. Rules Mate indexes + summarises; always verify against the regulator's live publication.