AML/CTF in 2026: a new agency leader’s first checks
What should I know about the new federal obligations?
From 1 July 2026, newly regulated designated services include parts of real estate work. AUSTRAC identifies programs, due diligence, reporting and records as key obligations.
What could change your decision?
- Check the designated service before deciding coverage.
- These obligations are additional to state licensing.
- A diploma does not prove the business is compliant.
What should you compare?
Use the same fields for each option. Record the source and any unanswered question alongside your notes.
- Services provided
- Coverage
- Enrolment
- Risk program
- Due diligence
- Reporting
- Records
What still needs checking?
Entity-specific coverage, exceptions and compliance status are not determined here.
What is your next step?
Use AUSTRAC’s current guidance to map your agency’s services and assign a compliance owner.
Which sources support this guide?
- AUSTRAC reporting regime now in force · checked 2026-10-08
- OAIC updated AML/CTF privacy guidance · checked 2026-10-08