Financial & Credit Licensing Lawyers.
Robinson Gill Lawyers provides legal advice on financial and credit licensing, including Australian Credit Licences (ACL) and Australian Financial Services Licences (AFSL).
Based in Melbourne’s eastern suburbs, we act for local businesses, professionals and investors, as well as foreign individuals and businesses operating in Australia, assisting them to establish and maintain compliant financial and credit service operations.
We understand that licensing is not simply a regulatory requirement - it is a critical foundation for operating lawfully, building trust with clients and counterparties, and supporting sustainable business growth.
How we assist with ACL and AFSL applications
We provide end-to-end legal support throughout the licensing process, including:
- Advising on whether an ACL or AFSL is required for your business activities
- Determining appropriate licence authorisations and scope
- Preparing and lodging licence applications with ASIC
- Advising on organisational competence and responsible manager requirements
- Developing compliant policies, procedures and risk frameworks
- Responding to ASIC requisitions and follow-up enquiries
We work closely with clients to ensure licence applications accurately reflect how their business operates in practice - an approach that helps reduce delays and avoid misalignment with ASIC’s expectations.
Local insight, practical advice
As a Melbourne firm with deep roots in Melbourne’s east, we regularly act for owner-managed businesses and growing enterprises that require clear, commercially focused advice.
Our local presence means we understand the realities faced by businesses operating in competitive local markets, including:
- Time and resource constraints
- The need for practical, implementable compliance frameworks
- Balancing regulatory obligations with commercial growth
Clients value having direct access to lawyers who are engage
Common challenges in financial and credit licensing
Applying for an ACL or AFSL can be complex. Common issues include:
- Identifying the correct licence type and authorisations
- Meeting ASIC’s organisational competence and responsible manager requirements
- Preparing compliant policies that reflect actual business practices
- Responding effectively to ASIC’s requisitions
- Managing timeframes where business operations are already underway
We help clients address these challenges early, reducing the risk of delays, refusals or ongoing compliance concerns.
Ongoing compliance and regulatory support
Our support extends beyond initial licence approval. We also advise on:
- Ongoing ASIC compliance obligations
- Variations to licence authorisations
- Changes in business structure, control or key personnel
- Breach reporting and regulatory engagement
- Preparing for audits and regulatory reviews
By providing ongoing support, we help clients maintain compliant financial and credit service operations as their business evolves.
Contact a Financial & Credit Licensing Lawyer today.
David Wang.
Special Counsel.