FNSCRD504 Manage the credit relationship

Supersededtraining.gov.au: supersededEquivalent

The currency period for FNSCRD504 ended on 13 June 2022 — 4 years ago. It names one replacement below, with the equivalence it declares for each.

Transition clockOpen for new enrolmentsClosing to new enrolments soonClosed to new enrolments

For an RTO registered by ASQA, new enrolments are not permitted today, unless ASQA has approved otherwise — for your organisation, for a class of RTOs, or for all RTOs. The one-year point this rule counts from — one year from the date the replacement was included on the National Register — fell earlier, on 15 June 2023. That date is arithmetic, not a day on which this instrument prohibited anything: s 14(1)(a)(i) of the National Vocational Education and Training Regulator (Compliance Standards for NVR Registered Training Organisations and Fit and Proper Person Requirements) Instrument 2025 (F2025L00355) commenced on 1 July 2025 and imposes nothing before then. RTOs registered by VRQA in Victoria or by the TAC in Western Australia are not covered by it.

Learners already enrolled have no fixed deadline: they complete the product and are issued their AQF certification, or transfer to the replacement, in a timely manner (ASQA guidance, read live 25 August 2026).

A second obligation follows from the same fact: under s 7(2)(c) of the same instrument, advertising may refer to a superseded product only while it is on scope and new enrolments are permitted. For an RTO registered by ASQA, new enrolments in this product are not permitted today, so a course page advertising it is not permitted either — and if ASQA approves a later enrolment date, that moves with it.

Sector-wide: the item 14 cut-off, measured across every live scope · the repealed 12-month rule

Product type
Unit of competency
Training package
FNS — Financial Services Training Package
Currency period ends
13 June 2022
Latest release
Release 1 · 25 March 2015
Supersedes
FNSCRD504A
Superseded by
FNSCRD514 equivalent

Where the register points next

Each step below is one supersession training.gov.au publishes between two products. The label on the rail is the equivalence the register declares for that step — not our reading of it.

  1. FNSCRD504Superseded — equivalentManage the credit relationship
  2. equivalent
  3. FNSCRD514CurrentIdentify and manage credit risk

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.

  • FNSCRD504AFNSCRD504equivalent24 March 2015

    Updated to meet Standards for Training Packages Rewritten and clarified performance criteria

  • FNSCRD504FNSCRD514equivalent14 June 2022

    The register records this supersession but attaches no note on what changed.

Official documents on the register

What training.gov.au lists for FNSCRD504 and for its training package FNS (release 8.2), with the name and date the register publishes for each file. We link them; we have not read them, and nothing on this page is taken from their contents.

Is FNSCRD504 on your scope?

This page is the register's record of one product. What it cannot tell you is whether FNSCRD504 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.

Public code, nothing else. We read your live scope from training.gov.au and answer here — we keep neither the code nor the answer; what remains is the two-minute abuse counter described on our privacy page.

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.

Where FNSCRD504 is used

training.gov.au lists FNSCRD504 inside 4 training products, none of them current. Every one of them is below, with the register's own core or elective flag for FNSCRD504 in that product.

Products no longer current 4 listed

The register still records FNSCRD504 inside these, but it no longer recommends them as current. They are here because a scope history or an old enrolment can still point at them.

CodeTraining productTypeFNSCRD504 is
FNS51515Diploma of Credit ManagementQualificationcore
FNS51520Diploma of Credit ManagementQualificationcore
FNS51815Diploma of Financial ServicesQualificationelective
FNS51820Diploma of Financial ServicesQualificationelective

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 13 October 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.

Every FNS training product on the register · Search all training products

Take this with you — one email with this page's clock as the register states it today. Nothing scheduled after it.

No account, no card. Your address gets this one email — no list, no marketing. Cutoff alerts only ever come from a watch you start yourself — the box just records your yes now — and every alert has a one-click stop.

Is FNSCRD504 still on your scope? Type your RTO code and get the free breakdown — every superseded product on your live scope, and whether the register flags each replacement equivalent.

No account, no card. We never ask for anything about your learners. Your address gets this one report — no list, no marketing — and the scope watch only if you tick the box, with one click to stop it.