Debt collectors who are licensed under state or territory law, and who engage in activities such as demanding or receiving payment from borrowers under a credit contract on behalf of a licensee, are generally exempt from the National Credit Act.
Financial counselling agencies that engage in credit activity as part of a financial counselling service are exempt from the requirement to hold a credit licence.
Financial counsellors are agencies that provide free and independent financial counselling and advocacy services to people in financial difficulty. They're generally community based non-government organisations funded by government or community sector organisations such as welfare organisations.
Guidance for financial counsellors (INFO 112) for more information.
ASIC Class Order [CO 03/1063] Licensing relief for financial counselling agencies.
Book up is a common practice in many remote and regional communities of Australia that allows customers to buy goods or services and pay later. If you do this, you are providing a type of consumer credit.
Store owners and traders offering book up are likely to need a credit licence if they charge consumers for the book up. Charges might include interest or credit fees.