Our licensing specialists have prepared over 500 Licence Applications, Variations, Responsible Manager appointments and Key Person Condition Removals. In fact, we're one of the top three firms that manage applications with ASIC nationally.

Reading through and trying to understand the guidance from ASIC can be painful, and it helps to have your application professionally prepared.  This gives you the peace of mind and comfort of knowing that you’ve applied for the right authorisation, saving you from the risk of significant troubles in the future. We’ll help you shorten your time to market, by ensuring that you provide all necessary information to ASIC to help them assess your application promptly.

If you run into difficulty or want to avoid the hassle of navigating the system, call us and we’ll sort it out for you.


  • Licensing advice
  • Australian Financial Service Licence (AFSL) applications 
  • Australian Credit Licence (ACL) applications 
  • AFS Licence Variations
  • Removing Key Person Conditions
  • Appointing Responsible Managers

AFS Licence

  • General and Life Insurance
  • Claims handling
  • Financial advisers
  • Cryptocurrency
  • Foreign Exchange Dealers
  • Fund Managers
  • Platforms
  • Marketplace Lenders

Credit Licence

  • Mortgage Brokers
  • Finance Brokers
  • Credit Providers
  • Marketplace Lenders
  • Debt Collectors 


Are you sure that your managers have enough knowledge of the AFS or NCCP requirements to keep you on the right side of the regulator?

Our licensing specialists run Responsible Managers Masterclasses for Responsible Managers, compliance managers and indeed any senior manager of a financial services or credit business.

It takes a full day, but includes lots of interactive activities to keep you on your toes.

It covers the following areas:

  • The Role and Responsibilities of Responsible Managers – what it means to be a Responsible Manager, the qualifications and experience required, responsibilities and overall liabilities involved.
  • Regulation in the Financial Services Industry – who the regulators are and what they do.
  • Providing Financial Services – what a financial or credit service is and what compliance and disclosure obligations apply.
  • AFS Licensees’ Obligations – an in-depth view of all the regulatory requirements that apply to financial services and credit businesses.


The Fold's frank take on issues affecting the financial services industry.

The Federal Court handed down its decision in the matter of ASIC v RI Advice Group Pty Ltd. This blog analyses the Court’s interpretation of sections 912A(1)(a) and (h) of the Corporations Act 2001 (Cth) and discusses the implications for AFS licensees.

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Purchasing an Australian financial service licence (AFSL) or an Australian credit licence (ACL) is an exciting opportunity to take your financial service business to the next stage of growth.

Read More  

The Fold is delighted to be a finalist in the sixth annual edition of Fintech Australia’s 2022 Finnies award for the category, ‘excellence in support services’.

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