APRA consults on more efficient and transparent bank licensing framework
The Australian Prudential Regulation Authority (APRA) has released for consultation a new draft licensing framework for locally-incorporated Authorised Deposit-taking Institutions (ADIs).
The consultation package follows APRA’s 2025 discussion paper on improving the licensing framework for ADIs. When finalised later this year, the changes will implement Action 6 of the Council of Financial Regulators' Review into Small and Medium-sized Banks – that APRA update its ADI licensing framework to make the application process more transparent and efficient.
Written submissions should be sent to Licensing@apra.gov.au by 31 July 2026.
The consultation paper, draft ADI Licensing Criteria, draft ADI Licensing Guidelines, and non-confidential submissions to APRA’s 2025 consultation are available on the APRA website at: Licensing for authorised deposit-taking institutions.
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The Australian Prudential Regulation Authority (APRA) is the prudential regulator of the financial services industry. It oversees banks, mutuals, general insurance and reinsurance companies, life insurance, private health insurers, friendly societies, and most members of the superannuation industry. APRA currently supervises institutions holding $9.8 trillion in assets for Australian depositors, policyholders and superannuation fund members.