Apply NowCompliance & Regulatory Documents
All regulatory compliance documents for Consolidated Funding Group Pty Ltd t/as Fairbanks Financial Group — in one place for clients, auditors and regulators.
Regulated Entity
Consolidated Funding Group Pty Ltd
t/as Fairbanks Financial Group
Privacy Policy
Privacy Act 1988 (Cth) · Australian Privacy Principles
How Consolidated Funding Group Pty Ltd t/as Fairbanks Financial Group collects, uses, holds and discloses your personal information. Covers credit information, overseas disclosure, direct marketing opt-out and your access and correction rights.
- Collected under Privacy Act 1988 (Cth)
- Australian Privacy Principles (APPs) compliant
- LMG Consumer Privacy Policy framework
- OAIC complaint escalation pathway
- Overseas disclosure to Philippines & USA disclosed
Terms of Service
NCCP Act 2009 · ASIC Regulated
Website and service terms governing your use of fairbanksfinancial.com.au and our mortgage broking services. Covers cookies, IP addresses, online applications, credit guide obligations, fees & remuneration, intellectual property and limitation of liability.
- NCCP Act 2009 (Cth) compliant
- Credit Representative CRN 577919 disclosed
- LMG ACL 517192 — LMG Broker Services Pty Ltd
- Comparison rate warning included
- Governing law: New South Wales, Australia
Feedback & Complaints
ASIC RG 271 · IDR Process · AFCA EDR
Our Internal Dispute Resolution (IDR) process for handling complaints. Complaints are acknowledged within 24 hours and resolved within 30 days. Urgent hardship and default notice complaints are resolved within 21 days. External escalation via AFCA is available at no cost.
- ASIC Regulatory Guide 271 compliant
- Written acknowledgement within 24 hours
- 30-day resolution (21 days for hardship/default)
- AFCA escalation — Membership No. 48367
- LMG Resolutions: resolutions@lmg.broker
Financial Hardship
NCCP Act 2009 · Hardship Variations
Support options for clients experiencing financial difficulty. Covers hardship variation requests, repayment deferrals, loan restructuring and your rights under the National Consumer Credit Protection Act 2009. Includes IDR escalation pathway for hardship disputes.
- NCCP Act 2009 s.72 hardship provisions
- Repayment deferral and restructuring options
- 21-day response for hardship complaints
- IDR and AFCA escalation pathways
- No fees for hardship variation requests
Target Market Determinations
Design & Distribution Obligations · DDO Regime
Target Market Determinations (TMDs) for financial products distributed by Fairbanks Financial Group under the Design and Distribution Obligations (DDO) regime. Describes the target market for each product and the conditions under which it is appropriate to distribute.
- Corporations Act 2001 s.994B DDO regime
- TMDs for all distributed financial products
- Target market descriptions per product
- Distribution conditions and review triggers
- Complaint reporting obligations to issuers
Communication Protocol
Client Communication Standards · ASIC Regulated
Our standards for communicating with clients throughout the loan process. Covers how and when we contact you, your communication preferences, escalation pathways and how to update your contact details or opt out of marketing communications.
- Preferred contact method respected
- Response time commitments disclosed
- Escalation pathway to complaints process
- Marketing opt-out rights explained
- Secure document exchange standards
Our Regulators & Industry Bodies
Fairbanks Financial Group operates under the oversight of the following Australian regulatory and industry bodies.
ASIC
Australian Securities & Investments Commission
Primary financial services regulator. Oversees our credit representative licence and compliance with the NCCP Act 2009.
AFCA
Australian Financial Complaints Authority
External Dispute Resolution (EDR) scheme. Free service for consumers to escalate unresolved complaints. Membership No. 48367.
OAIC
Office of the Australian Information Commissioner
Privacy regulator. Handles complaints about breaches of the Privacy Act 1988 (Cth) and Australian Privacy Principles.
FBAA
Finance Brokers Association of Australia
Industry association. Membership No. m-330508. Sets professional standards and a code of conduct for finance brokers.
Registered Entity Information
Contact Our Compliance Team
Complaints & IDR
Lodge a complaint or enquire about our IDR process
resolutions@lmg.broker1800 275 564 (toll free) · Mon–Fri 8am–7pm AEST
Lodge a complaintPrivacy Enquiries
Questions about how we handle your personal information
privacy@fairbanksfinancial.com.auResponse within 7 business days
Read Privacy PolicyFinancial Hardship
Support if you are experiencing financial difficulty
hello@fairbanksfinancial.com.au1300 187 610 · Mon–Fri 9am–5pm AEST
Hardship supportTMD & DDO Enquiries
Target Market Determinations and product distribution
hello@fairbanksfinancial.com.auAvailable on request
View TMDsFor Auditors, Regulators & Compliance Officers
This page provides a centralised index of all public-facing compliance documents for Consolidated Funding Group Pty Ltd (ACN 119 381 832) as trustee for Hesari Business Trust (ABN 23 623 634 518) t/as Fairbanks Financial Group. Credit activities are conducted by Farzin Ghaffari Hesari (CRN 577919), a credit representative of LMG Broker Services Pty Ltd ACN 632 405 504 Australian Credit Licence 517192. For internal compliance documentation, audit requests or regulatory enquiries, please contact hello@fairbanksfinancial.com.au.