RG 204
Applying for and varying a credit licence
Issued 22 October 2020. This guide is for people who want to apply for an Australian credit licence that authorises them to engage in credit activities.
In plain English
This guide explains how to apply for, or change, an Australian credit licence to provide credit services.
RG 204 applies to businesses seeking or holding an Australian Credit Licence (ACL). It details the application process, including fit and proper requirements for individuals and businesses. It also covers variations to existing licences. ASIC issued this guide on 22 October 2020.
Why it matters
If your business offers credit, you likely need an ACL. This guide helps you understand the requirements to get and maintain that licence, ensuring you operate legally.
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-204-applying-for-and-varying-a-credit-licence/. Rules Mate indexes + summarises; always verify against the regulator's live publication.