Independent assessments informed by regulatory expectations
Only by understanding how support performs in practice can organisations meaningfully improve it.
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Financial Difficulty Reviews
Review methodology
Humbli provides an independent review of an organisation’s hardship practices against ASIC's better practice expectations.
The review is grounded in regulatory and community expectations and delivers clear, actionable insights for frontline teams, executives, and boards.
Our approach is to:
Review actual policies, procedures, data, systems, and customer interactions
Report findings with prioritised uplift recommendations
Assess each artifact against ASIC's expectations
Deliver actionable roadmap aligned to consumer outcome improvements
Our REP 782 Financial Difficulty Reviews provide a rapid, independent assessment of how an organisation’s financial difficulty policies, processes, and systems perform in the real world.
Financial Difficulty Reviews
Value to the organisation
An independent REP 782 review will provide:
01
Risk Visibility
Independent review of regulatory positioning
02
Strategic Oversight
Third-party review of customer-centric operation
03
Accountability Validation
Independent review of governance and oversight frameworks
04
Improvement Roadmap
Evidence-based recommendations for continued uplift
Financial Difficulty Reviews
Explore more of our capabilities
Financial Difficulty Reviews
Review Modules
Our review approach is modular and scalable, allowing organisations to target focus areas that align with their immediate objectives.
Institutions can engage through individual modules for targeted intervention, structured thematic bundles to strengthen specific capability domains, or a comprehensive end-to-end assessment for complete oversight and assurance.
Optional Review Modules
Module 1
Digital & Customer-Facing Materials
Module 2
Policies & Frameworks
Module 3
Processes & Procedures
Module 4
Data & Systems
Module 5
Governance & Oversight
Module 6
People & Capability
Module 7