Connective

Learn how to collect and justify alternative documentation to verify a client’s financial situation under responsible lending obligations

Flexible document collection for responsible lending verification

Learn how to select and document alternative evidence to verify a client’s financial situation when transaction account statements are not collected.

Alternative documentation for loan file verification

Understand your obligations when assisting trustees with self-managed superannuation fund (SMSF) lending, including LRBA requirements and key compliance considerations.

Compliance obligations for SMSF lending

Compliance

Explore practical video scenarios that show how to apply best interests duty (BID) in real client situations.

Module 6: Best Interests Duty (BID) scenario demonstrations

Learn what conflicted remuneration is, how it applies to brokers, and why it matters under the Best Interests Duty framework.

Module 5: Understanding conflicted remuneration

Learn what the conflict priority rule is, how it applies to you, and the steps you must take to comply with Best Interests Duty.

Module 4: Understanding the conflict priority rule

Follow this step-by-step guide to understand how to apply Best Interests Duty (BID) in every client interaction.

Module 3: A step by step guide to acting in your clients’ best interests

Learn how to prepare your business, educate clients, and ensure you have a suitable lender panel to meet Best Interests Duty requirements.

Module 2: How to prepare your business for BID

Overview of best interests duty (BID), when it applies and how brokers meet their obligations.

Module 1: Best interests duty (BID) 101

How to remain compliant when assisting customers with personal loans

Best interests Duty – FAQ’s

Learn how to capture clear, compliant notes and link them to your product recommendations.

BID Examples - Documenting the Summary of Requirements (Handy Hints)

The Little Book of BID

Best Interests Duty Resources

Best Interests Duty

Minimising Loan Fraud Risk

Compliance Webinars

This article outlines the broker’s responsibilities and required actions when managing data breaches involving personal information under the Notifiable Data Breaches scheme.

Data Breach Policy

Guidance for brokers on identifying, assessing and preventing income fraud through effective document verification and conversations with clients.

It’s time to crack down on loan fraud!

This article brings together Connective’s key living expense resources to help you apply a consistent, well-documented approach that meets lender and compliance expectations.

Make living expense assessments easier

Understand the recommendations for brokers by the CIF around information that should be disclosed to customers within your compliance disclosure documents.

Combined Industry Forum (CIF) - Broker Reporting

Admin vs Credit Activities – are your staff crossing the line?

Credit Reporting & the introduction of CCR (Comprehensive Credit Reporting)

Use this guide to understand your obligations when working with guarantors, including how to manage compliance requirements, structure applications, and communicate with all parties.

Managing guarantee lending and guarantor obligations

Outsourcing Obligations

Are you considering an off-panel lender?

Your guide to using off panel lenders

Your guide to using off panel lenders for asset finance

Overview of Mandatory Breach Reporting

Customer notification of Mandatory Breaches

Explains the NSW payroll tax judgment and how it may affect broker–aggregator relationships and business structures.

Understand the recent Payroll Tax Judgment and what it means for brokers

Preparing your business for Mandatory Breach Reporting obligations

Privacy: Respecting and Protecting your customer's information

Reference Checking Protocol

Reference Checking Protocol- Consent wording

Design and Distribution Obligations

Internal Dispute Resolution

The Hawking Prohibitions

Lender Clawbacks and Internal Refinances

Avoid Costly Mistakes: Stay Compliant with Lender Valuation Tools

All Connective Members

Use this guide to understand the role of a Business Development Manager (BDM) in a broker business, when they can support your sales process, and when they need to be…

BDMs in Broker Businesses

Fraud

Understand how Chinese credit reports work and how clients can obtain one to support your lending assessment.

Obtaining a credit report in China

Read on to understand the six C’s of compliance and how they apply to your day-to-day broker activities.

The Six C's of Compliance

Use this guide to understand reverse mortgages, the expectations for broker capability, and the additional obligations that apply when arranging this type of lending.

Reverse Mortgage - Credit Representative

Use this guide to understand how to resign your agreement with Connective and what you need to do before your resignation is finalised.

Resignation Process - Credit Representative of Connective

Learn when and how to request Compliance approval before writing your own loan or a loan for an immediate family member.

Requesting approval for an own loan application

Learn when and how to request Compliance approval before submitting an application to a non-panel lender.

Requesting approval for an off-panel lender application

Use this guide to understand when you need a Referral Service Agreement, what information it must contain, where to find the template, and what your obligations are under ASIC requirements.

Referral Agreement

This article outlines the requirements for use of the Privacy Policy and Short Form Privacy Statement for Connective Credit Representatives

Privacy Statement and Policy

As a credit representative of Connective, you are required to adhere to our privacy policy and requirements.

Privacy Requirements

PI and AFCA membership requirements

Interpreting overseas correspondence and supporting documentation

Overseas Income Requirements

Mentoring

Loan Scenarios: What Compliance Documents do you need?

Document Retention

Dispute Resolution Process

Client Living Expenses

Connective Compliance Borrowing Calculator - Credit Representatives

Connective Policy Manual - CCR

Conflict of Interest

Conducting non face-to-face client meetings

Use this guide to understand your responsible lending obligations for consumer asset finance and personal loans and manage the required compliance steps in Mercury Nexus.

Asset Finance – responsible lending and compliance requirements

Annual training requirements for Credit Representatives

Learn how to upload mandatory NCCP compliance documents to the Compliance Checklist in ApplyOnline (AOL).

ApplyOnline compliance documents – Supporting Docs tab

Bank Statement Technology Policy for Connective Credit Representatives

Variations to existing loan contracts

Connective Credit Representatives

Responsible Lending and Compliance Requirements

Responsible Lending: Credit Guide

Responsible Lending: Quote

Responsible Lending: Needs Analysis

Responsible Lending: Preliminary Assessment

Responsible Lending: Compliance Calculators

Error when trying to generate the Preliminary Assessment

Responsible Lending: Summary of Requirements and Credit Proposal Document

Streamlined and simplified refinances

Responsible Lending

Corporate v Individual CR number - which to use when

Compliments and Concerns

Advertising Requirements: Social Media

Advertising Requirements: Websites

Advertising Requirements: Outdoor signage and vehicles

Advertising Requirements: Newspaper advertisements, marketing flyers and brochures

Advertising Requirements: Lender logos on your website

Advertising Requirements: Email signature

Advertising Requirements: Complimentary products

Understand common advertising compliance errors and how to ensure your marketing complies with NCCP, NCC and ASIC requirements.

Advertising requirements – common advertising errors

Advertising Requirements: Competition campaigns

Advertising Requirements: Company Letterhead

Advertising Requirements: Advertising Interest Rates or Loan Repayments

Advertising Requirements: Business cards

Advertising Requirements: ASIC Guidelines to Advertising Terminology and Disclaimers

Advertising Requirements

MARS - Mercury Assurance Review System

Credit Guide Actions

Summary of Requirements and Credit Proposal Disclosure (SoRCP) Actions

Credit Quote and Needs Analysis Actions

Best Interests Duty (BID) Actions

Preliminary Assessment Actions

Calculator Actions

Verification Actions (Supporting Documents)

File Reviews and Corrective Actions

ACL Compliance Program

Use this guide to access your file audit results in Mercury Nexus, understand corrective actions, and submit updates for re-review by Connective's compliance team.

ACL Compliance Program – understanding your file audit results

Understand what the ACL Attestation is, why you need to complete it, and what information to prepare.

Complete your annual ACL Attestation

Use this guide to understand how to correctly complete and lodge your Annual Compliance Certificate with ASIC to maintain your Australian Credit Licence.

Completion of your Annual Compliance Certificate

General conduct obligations of credit licensees

ASIC Membership Requirements under NCCP

Updating your ACL contact information

IT Compliance Certificate

Professional Indemnity Insurance

Resignation Process - ACL Holders

Cancelling my Australian Credit Licence

Advertising Guidelines - ASIC RG234 & Information Sheet 103

ACL Referral Agreements

ACL Guidance on Privacy Requirements

Reverse Mortgage - ACL Holders

Managing Conflict of Interest

How to verify a Company’s Legitimacy in China

Dispute resolution, complaints, file notes

Dispute Resolution - Internal and External

Connective Compliance Servicing Calculator

Chinese customers may provide a Chinese credit report to support your assessment of their financial position. This summary outlines how Chinese credit reporting works, what information appears, and how it…

Understanding Chinese credit reports for client assessments

Cashdeck: Free trial for ACL holders

ACL Holders

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