Compliance
How FinEase supports your hardship obligations
FinEase is designed around the frameworks Australian hardship teams work within. The platform supports your obligations with structured workflows, deadline visibility and consistent records — it does not provide legal advice or guarantee compliance.
Important
FinEase is an operations platform, not a compliance guarantee and not legal advice. Responsibility for meeting your obligations under the NCC, ASIC guidance, AFCA’s approach and the Privacy Act stays with your organisation. Templates and workflows are provided for your own legal and compliance team to review and adapt. We recommend consulting a qualified professional for specific questions.
Response deadline visibility
Deadlines are calculated from the date a hardship notice is logged, with dashboard alerts as they approach or pass. Your team decides how to act on them.
Default notice templates
Generate s88 default-notice templates that include the content lenders typically need — including hardship-rights and AFCA information — for your team to review before sending.
Letter & document templates
Five templates generated as PDF: acknowledgement, approved arrangement, decline with reasons, default notice, and AFCA referral — configurable and reviewable by your team.
AFCA escalation tracking
Track AFCA complaint references, escalation dates and outcomes. Configure decline letters to include AFCA contact details and external dispute resolution information.
Structured hardship assessment
A structured assessment framework comparing declared income and expenses against bank statements and benchmarks, with decision support designed around ASIC RG 209.
Vulnerability identification
Flag and track customer vulnerabilities (medical, family violence, disability, language, elder abuse) with handling protocols your team configures.
7-year record retention
Timestamped activity logs retained for 7 years. Every action is logged with user, timestamp and source, and can be exported to support audit preparation.
Communication tracking
Log customer communications with dates, channels and content, building a communication history that supports AFCA matters and your own reviews.
Frameworks FinEase is designed around
These are the Australian frameworks the workflow is built to fit. They are provided as references for your own teams — not as an endorsement of FinEase by any regulator or scheme.
National Consumer Credit Protection Act 2009 (NCC)
ASIC Regulatory Guide 209
AFCA's approach
ACCC/ASIC debt collection guidance
See how FinEase supports your team
Book a demo to see the structured workflows, deadline visibility and records that support your own compliance and audit processes.
Book a demo