Clawback risk, visible before it lands

CommissionsIQ tracks each loan's position in its clawback window, alerts you to at-risk loans, and shows your exposure across the whole book.

A liability you're carrying right now

Every settlement carries a contingent liability for up to two years. Clawback arrives as a deduction from a month that didn't earn it, triggered by borrower decisions no broker controls.

Treating upfront as clean profit overstates income in every growth year — the faster you write, the bigger the unprovisioned exposure. The problem isn't that clawback happens; it's not knowing how much of it you're exposed to at any moment.

The legal boundaries: under regulation 28VG of the National Consumer Credit Protection Regulations 2010, clawback cannot run beyond two years, cannot exceed the commission paid, and cannot be passed on to the consumer. Read the legislation. General information, not legal advice.

CommissionsIQ · AI InsightsSample data

AI Insights

Opportunities and risk alerts from across your portfolio

Total Active
1,187
Opportunities
966
Risks
221
Action Needed
764
💡 Opportunities (966)
🛡 Risks (221)

Risk Alerts & Opportunities

Critical alerts for commission losses, portfolio issues and growth opportunities

↗ View
ⓘ MEDIUM★ Action RequiredNew
Trail Payment Discrepancy
◐ Jordan Avery
NAB trail lower than expected — current variance is 14.2%
↗ View
ⓘ MEDIUM★ Action Required
Trail Payment Discrepancy
◐ Priya Nair
ANZ trail lower than expected — current variance is 11.8%
↗ View
ⓘ MEDIUMOpportunity
Loan Balance Refinancing Opportunity
◐ Northbridge Super Fund
Loan balance dropped 12.4% — potential refinancing opportunity
The risk feed: trail discrepancies and portfolio risks surfaced for review.

How it helps

Know your exposure now

Clawback exposure quantified across the whole book — which loans, which lender, and where each sits in its window — instead of a rough mental estimate.

Settlement dates, monitored

Every loan's settlement date is tracked against its clawback window, so the countdown that matters is never something you're reconstructing from memory.

Risk alerts, proactively

At-risk loans are flagged for review — so the conversation with the client can happen while it can still make a difference.

Why a spreadsheet can't hold this

Clawback risk is a moving picture: every new settlement opens a window, every month shifts every loan's position, and exposure is the sum of hundreds of overlapping countdowns. A spreadsheet shows the snapshot you last built; it doesn't watch the clock for you.

Related reading

Commission tracking and reconciliation Analytics for your loan book How CommissionsIQ works, end to end Simple monthly pricing

Common questions

Can clawback actually be prevented?
No — and you should be wary of any tool that claims otherwise. Clawback is triggered by borrower decisions no broker controls, like an early refinance or discharge. What CommissionsIQ gives you is visibility: where each loan sits in its clawback window, alerts on at-risk loans, and your total exposure across the book, so the liability is never a surprise.
How long can a lender claw back commission?
Under regulation 28VG of the National Consumer Credit Protection Regulations 2010, clawback cannot run beyond two years from settlement, cannot exceed the commission that was paid, and cannot be passed on to the consumer. This is general information, not legal advice — see the legislation for the current text.
Does it tell me before a client refinances?
No tool can know a client's intentions. What CommissionsIQ shows you is where the risk sits: each loan's position in its clawback window, risk alerts across the portfolio, and your aggregate exposure — so you know which relationships are worth a proactive conversation.
How should I provision for clawback?
That's a business decision, but it starts with knowing the number. If upfront is treated as clean profit, a refinancing wave collects the difference from months that didn't earn it. Seeing exposure across the whole book lets you decide how much of it to treat as contingent rather than earned.

See it on your own book

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