Frequently asked questions about financial services regulation QFS 37 What financial services can I provide if I am a licensee and I am acting under a binder?

This FAQ is about the financial services that a licensee acting under a binder can provide under that binder. Authorisations you can have under a binder If you provide financial services under a Corporations Act 2001 (Corporations Act) binder given by an insurer that holds an AFS licence, we consider that you will need to be an authorised representative of the insurer or have an AFS licence with the appropriate authorisations (s911B(1)(b) and (d). If you are acting under a Corporations Act binder, you may be an authorised representative of an insurer that holds an AFS licence even if you have an AFS licence yourself (s916E).

This is the only exception to the general prohibition against licensees authorising other licensees in s916D. However, under this exception you may only act as an authorised representative in relation to dealing in risk insurance products. This allows you to engage in activities such as issuing, varying, or disposing of a risk insurance product and/or arranging ... more.

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