Tranche 2 — AML/CTF Legislation
The biggest compliance change in Australian real estate history.
New laws. Hard deadline. 1 July 2026. Here's what your agency actually needs to know.
Tranche 2 Timeline
How new AML laws went from a government proposal to something your agency must action right now.
Where we stand today
AML is Live
If your agency isn't set up yet, now is the time to move.
Your Obligations
What your agency must do.
Six obligations. Every agency. No exceptions. Here's exactly what each one means — and how AML Assured covers it.
Enrol with AUSTRAC
Document Your Risk Assessment
Build Your AML/CTF Programme
Appoint a Compliance Officer
Train Your Staff
Verify Every Client and Keep Records
The Cost of Non-Compliance
The consequences are real. And they're public.
AUSTRAC enforcement actions are published in Federal Court records and shared with state regulators. Non-compliance doesn't stay quiet — it ends agencies.
$33M
Maximum civil penalty
AUSTRAC can apply to the Federal Court for civil penalty orders. For the most serious contraventions, body corporates face up to $33 million.
$19,800
Per day for not enrolling
Failure to enrol with AUSTRAC on time attracts daily fines of up to $19,800 for companies and $3,960 for individuals — every single day you remain unregistered.
2 years
Maximum imprisonment
Criminal charges for certain AML breaches carry potential jail time. A “tipping off” offence alone carries up to 2 years imprisonment.
Licence Suspension or Cancellation
AUSTRAC findings are routinely shared with state and territory regulators including Fair Trading. A non-compliance finding at the federal level can trigger the suspension or permanent cancellation of your real estate licence under state legislation.
What this means for your agency:
You could lose the right to operate your agency entirely — not just face a fine.
Public Enforcement — Your Business Name in Court Records
Every AUSTRAC enforcement action is published. Your agency’s name appears in Federal Court records and is picked up by industry media. The reputational damage to your client relationships, referral network, and brand is immediate and lasting.
What this means for your agency:
Your vendors, buyers, and business partners will see it.
Your Agency Loses Value
Compliance maturity is a direct factor in the valuation of a real estate agency. A business without documented risk assessments, staff training records, and reporting protocols is assessed as higher risk by buyers, investors, and financiers — reducing what your agency is worth on sale.
What this means for your agency:
Non-compliance today becomes a valuation problem when you want to exit.
AML Assured gets your agency fully compliant before 1 July — free to start, no lock-in.
Frequently
Asked Questions
Still have questions?
Get connected to our support team.
Still have questions?
Get connected to our support team.
Get Your Agency Ready Before 1 July 2026
Every week without a compliance system is a week your team isn't trained, your records aren't building, and your agency isn't covered. Start free today — no credit card, no lock-in — and have everything in place before the deadline.
