---
title: "Internal dispute resolution (IDR) final response letter, with delay notification"
url: "https://ailawframework.com/precedents/financial-services-regulation/idr-response-letter"
type: "precedent"
site: "AI Law Framework"
id: "a28-idr-response-letter"
area_id: "A28"
kind: "letter"
ai_level: "yellow"
version: 1
law_stated_as_at: "2026-10-17"
---

# Internal dispute resolution (IDR) final response letter, with delay notification

> IDR response letter that deals with each issue raised, states findings and reasons, sets out the outcome and remedy, and gives AFCA rights and contact details as RG 271 requires, plus a short IDR delay notification.

Canonical page: https://ailawframework.com/precedents/financial-services-regulation/idr-response-letter  
Law stated as at: 2026-10-17

Site index for agents: https://ailawframework.com/llms.txt

## Key facts

- Kind: Letter. A letter or email you adapt and send.
- Practice area: [Financial Services Regulation](https://ailawframework.com/precedents/financial-services-regulation.md)
- Jurisdictions: Australia
- AI level: Yellow. AI can help in set ways. A lawyer checks specific points before use.
- Law stated as at: 2026-10-17
- Status: Maintained. Checked on 2026-10-17 against the 6 authorities it cites, for Australia.

## When to use it

Use to give a complainant the financial firm's final IDR response, or to tell them the response will be late. Check which RG 271 timeframe applies first. A written response is not needed for complaints closed within five business days, unless the complainant asks for one or the complaint concerns hardship, a declined or disputed insurance claim, or a superannuation trustee decision (RG 271.71 to RG 271.75).

## How AI may be used

AI may assemble the complaint chronology and help draft the response under a person's direction, but the findings, the outcome and the remedy are decisions for the complaints officer, and every fact must be checked against the complaint file before the letter is sent.

**AI may:**

- Build a complaint chronology from the complaint file, citing the record behind each entry.
- List every issue the complainant raised so that the response can address each one.
- Draft the letter in plain English from findings the complaints officer has made, and check it contains the AFCA information.

**AI must not:**

- Must not make findings of fact, decide the outcome or set the amount of any remedy.
- Must not describe records or investigations that are not on the file.
- Must not send the letter, or an automated response, without review and approval by an authorised person.

**The lawyer checks:**

- Each issue raised is identified and answered, and findings refer to the information that supports them (RG 271.54).
- The correct maximum timeframe was applied and the letter is dated within it, or a delay notification was sent in time.
- AFCA details and time limits are current, and any special content (for example superannuation death benefits) is included.

## Authorities

- [Corporations Act 2001 (Cth) s 912A(1)(g) and (2) (dispute resolution system for retail clients)](https://www.legislation.gov.au/C2004A00818/latest/text)
- [National Consumer Credit Protection Act 2009 (Cth) s 47(1)(h) and (i) (IDR procedure and AFCA membership for credit licensees)](https://www.legislation.gov.au/C2009A00134/latest/text)
- [ASIC Corporations, Credit and Superannuation (Internal Dispute Resolution) Instrument 2020/98](https://www.legislation.gov.au/F2020L00962/latest/text)
- [ASIC Regulatory Guide 271 Internal dispute resolution (issued 2 September 2021), RG 271.53 to RG 271.66 and Table 2](https://www.asic.gov.au/regulatory-resources/find-a-document/regulatory-guides/rg-271-internal-dispute-resolution)
- [Corporations Act 2001 (Cth) s 1056 (28-day limits for AFCA complaints about death benefit decisions)](https://www.legislation.gov.au/C2004A00818/latest/text)
- [AFCA Complaint Resolution Scheme Rules (approved rules released 8 October 2026), rule B.4.3.1 (time limits)](https://www.afca.org.au/about-afca/rules-and-guidelines)

## Official form

[Official form](https://www.asic.gov.au/regulatory-resources/find-a-document/regulatory-guides/rg-271-internal-dispute-resolution)

## Full text and drafting notes

The full text and the drafting notes are not part of this public page. Signed-in firm accounts can read them at https://ailawframework.com/precedents/financial-services-regulation/idr-response-letter and through the signed-in MCP connector https://ailawframework.com/mcp/firm.

*Practice guidance for planning and review. Confirm current primary sources and the requirements of the actual matter. This is general information, not legal advice.*