Where the register points next
training.gov.au points at nothing after FNS40821: it is the current product, and no replacement is listed.
This product is listed on the National Schedule of Training Product Development: under review by Future Skills Organisation (Training Product (TP) Update: Diploma / Cert IV in Finance and Mortgage Broking), expected submission to the Assurance Body 29 January 2027. That is a submission date, not a supersession date: assurance, endorsement and publication follow, so a new version can only reach the register after it.
Source: National Schedule of Training Product Development, training.gov.au (© Commonwealth of Australia), licensed under Creative Commons Attribution 4.0. Excludes the Commonwealth Coat of Arms, trademarks and third-party material. View the Schedule. Schedule read on 25 August 2026 UTC.
What the register says changed
These are the mapping notes training.gov.au attaches to each supersession, quoted as the register writes them. They are the only public record of what actually changed between two versions.
Is FNS40821 on your scope?
This page is the register's record of one product. What it cannot tell you is whether FNS40821 sits on your own scope today, or what else on that scope has moved without anyone noticing. Enter your RTO number and we read every product on your live scope against training.gov.au and tell you which ones are superseded and which replacements the register flags not equivalent.
Whether a supersession requires anything of you, and what, sits with you and your regulator. This page maps what the register records; it does not make that judgement. If the difference between an equivalent and a non-equivalent replacement is the question, we wrote it up in equivalent vs not equivalent.
What FNS40821 is made of
training.gov.au lists 27 units for FNS40821: 7 core and 20 elective. To complete it, the register publishes a rule of 7 core units plus 5 electives — 12 units in all.
Core units 7 listed
| Code | Unit | In this product |
|---|---|---|
| BSBPEF501 | Manage personal and professional development | ●current |
| FNSCUS511 | Develop and maintain professional relationships in financial services industry | ●current |
| FNSFMB411 | Prepare loan applications on behalf of clients | ●current |
| FNSFMB412 | Identify client needs and present broking options | ●current |
| FNSFMK515 | Comply with financial services regulation and industry codes of practice | ●current |
| FNSINC411 | Conduct work according to professional practices in the financial services industry | ●current |
| FNSINC412 | Apply and maintain knowledge of financial products and services | ●current |
Elective units 20 listed
| Code | Unit | In this product |
|---|---|---|
| BSBESB401 | Research and develop business plans | ●current |
| BSBOPS304 | Deliver and monitor a service to customers | ●current |
| BSBOPS404 | Implement customer service strategies | ●current |
| BSBPEF402 | Develop personal work priorities | ●current |
| BSBTEC301 | Design and produce business documents | ●current |
| BSBTEC302 | Design and produce spreadsheets | ●current |
| FNSASIC311 | Establish client relationship and analyse needs | ●current |
| FNSASIC312 | Provide personal advice on non-relevant financial products | ●current |
| FNSCRD401 | Assess credit applications | ●current |
| FNSCRD412 | Establish and maintain appropriate security options for credit facilities | ●current |
| FNSCRD413 | Manage and recover bad and doubtful debts | ●current |
| FNSCUS403 | Deliver a professional service to customers | ●current |
| FNSFLT411 | Determine financial requirements of small businesses | ●current |
| FNSFMB511 | Implement credit contracts in preparation for settlement | ●current |
| FNSFMB513 | Present credit options to clients with special financial circumstances | ●current |
| FNSINC513 | Identify and apply complex ethical decision making to workplace situations | ●current |
| FNSINC514 | Apply ethical frameworks and principles to make and act upon decisions | ●current |
| FNSMCA413 | Identify and manage individuals experiencing hardship | ●current |
| FNSSAM413 | Identify and provide initial information to potential new clients | ●current |
| FNSSAM421 | Provide information on financial products and services to clients | ●current |
Core and elective are the register's own flags on the unit grid of the release read here. "Not current" means training.gov.au no longer recommends that unit for use inside this product — it does not say anything about the product itself.
Source: this product on training.gov.au, Australia's national training register — or go straight to the units it requires. The rule itself is item 14 of F2025L00355, and ASQA publishes the extensions it has granted. Read on 28 August 2026 UTC. Every code, title, date, status and equivalence flag on this page is the register's; nothing here is estimated or inferred, and where the register publishes nothing we say so.
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