‹ AU-4.1.16 AU-4.2 Approved Persons › AU-4.1.17 Applicants may not publicise in any way the application for a licence for, or formation of, a microfinance institution before the formal decision referred to in Paragraph AU-4.1.11 is provided to the applicant or the concerned agent. January 2014 ‹ AU-4.1.16 AU-4.2 Approved Persons ›