19 February 2026 · 9 min read · SpectraIQ Editorial
The regulatory frame
F&I products in Australia sit under ASIC oversight, with specific obligations from the National Consumer Credit Protection Act and add-on insurance reforms. Anti-hawking provisions apply.
Appropriate AI tasks
Pre-collecting customer information into the application, scheduling, document chasing, post-settlement service handoff, compliance log generation.
Inappropriate AI tasks
Recommending specific finance or insurance products without a licensed representative in the loop. Quoting rates. Discussing eligibility criteria in a way that constitutes personal financial advice.
Audit trail
Every AI interaction should be logged with timestamp, channel, model version, and customer consent state. Your F&I compliance officer should be able to reconstruct any conversation on demand.