Finance brokers are in a tough spot on social media. The entire business runs on referrals and reputation, and the platforms where those conversations happen (LinkedIn, Facebook, Instagram) reward personality, speed, and volume. Every one of those things runs directly into NCCP and ASIC's rules on credit activity.
This post is a practical guide: what the rules actually say about social, how brokers get in trouble, and what a compliance workflow for social looks like in 2026.
The three rule sets that apply
NCCP and the ACL
If you're an authorised credit representative or hold an Australian Credit Licence, your social posts can constitute "credit activity". Including suggesting or assisting a consumer to apply for credit. That means responsible lending obligations apply. Posts making claims about loan products need to meet the same standards as any other marketing.
ASIC general advice rules
If you say "consider a 3-year fixed rate" you've crossed from information into general advice, which has disclosure requirements. Even framing matters. The same sentence as a question versus a recommendation can change which rules apply.
ACL misleading and deceptive conduct
The biggest gotcha for brokers. Testimonials that cherry-pick best-case outcomes, comparison posts without a fair basis, "guaranteed approval" language . All potentially misleading under Australian Consumer Law.
Where brokers usually trip up
- Quoting an indicative rate without a comparison rate
- "I got my client a great deal" posts without context
- Sharing lender marketing as their own without disclosure
- Reacting to a news story in a way that slides into advice
- Running a competition that implies credit eligibility
What a compliance workflow looks like
The brokers who post safely on social have a workflow, not just good intentions. A typical one:
- A licence holder uploads the current compliance rules to a central location
- Brokers submit proposed posts to a queue, with context about the intent
- An AI first-pass scores the post against the rules and flags risks
- Posts above a threshold go straight to publish; flagged posts land in an admin review queue
- Every decision is logged with a timestamp, reviewer, and reason
Brand and Go's Compliance Portal is built for exactly this workflow. Brokers submit through an external portal, AI scores against your uploaded compliance documents, and your licence holders review the flagged posts without leaving the platform.