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For accounting practices, real estate agencies, conveyancers and legal practices

AML/CTF program documents for small practices, checked against the law

Since 1 July 2026, practices in these sectors that provide designated services have had to keep an AML/CTF program, check their customers, report to AUSTRAC and keep records. We sell editable documents for that program, built on AUSTRAC's free starter kits. Customise them yourself, or have us set them up for you.

Last checked 25 September 2026 against the AML/CTF Act compilation C2026C00274, the AML/CTF Rules 2025 (F2025L01026) and the Transitional Rules 2026 (F2026L00393)

Get the kit — A$497Have it set up — from A$990

Independent. Not affiliated with, or endorsed by, AUSTRAC or the Australian Government.

One-off prices, GST included. No subscription.

Not sure your business is regulated? Is my business regulated?

01 Who it is for

Written for your kind of practice

One edition for each sector, each following the profile of the AUSTRAC starter kit it is built on. AUSTRAC's accountant and real estate kits, for example, suit firms with 15 or fewer personnel and mostly Australian-resident individual clients. AUSTRAC says a firm outside its kit's profile cannot rely on the kit. The same goes for ours.

Act s 51B the law, read in the authorised textAUSTRAC guidance the regulator's published guidance

Act s 6, Table 6

Accounting practices

Creating companies and trusts, providing a registered office address, and holding client money as part of a transaction are among the Table 6 services.

13,780

accounting and professional services businesses enrolled (AUSTRAC's category)

AUSTRAC enrolment table

Act s 6, Table 5

Real estate agencies

Brokering a sale, purchase or transfer of real estate, including as a buyer's agent. In a brokered sale, the seller and the buyer are both your customers.

18,350

real estate businesses enrolled

AUSTRAC enrolment table

Act s 6, Table 6, item 1

Conveyancers

Acting for a client in a sale, purchase or transfer of real estate. Holding money for the transaction can add another Table 6 service.

1,600

conveyancers enrolled

AUSTRAC enrolment table

Act s 6, Table 6

Legal practices

Conveyancing, company and trust work, and handling client money for a transaction. Legal professional privilege changes some reporting steps.

6,580

lawyers enrolled

AUSTRAC enrolment table

Enrolment counts are from AUSTRAC's "Enrol with us overview" page, as at 17 September 2026. AUSTRAC also counts 320 jewellers and dealers in precious metals and goods; we do not publish an edition for them.

02 Two ways to build your program

Do it yourself, or have it set up for you

Both are one-off purchases, and you keep every document. AUSTRAC's starter kits are free. If one fits your firm and you have the time to customise it, it is a sound place to start.

Do it yourself

AML/CTF Program Kit

A$497 one-off, includes GST of A$45.18

  • All four sector editions: accountants, real estate agencies, conveyancers and legal practices
  • Risk assessment, policies, customer due diligence forms, registers and a reporting calendar, as editable Word documents
  • Each obligation tied to the section of the Act or the rule that requires it
  • Download straight after payment. Licensed for one firm, one ABN
Get the kit — A$497

Independent. Not affiliated with, or endorsed by, AUSTRAC or the Australian Government.

Done for you

Setup service

From A$990 A$990, A$1,490 or A$2,490; one-off, GST included

  • Three fixed fees, by personnel: 1 to 3, 4 to 8, or 9 to 15 (or mixed service lines)
  • We tailor the risk assessment, policies and registers from your intake questionnaire
  • A reporting calendar dated from your enrolment identifier, a training session recorded on your register, and an indexed evidence pack
  • Kit download straight after payment. We send your draft documents within 5 business days of receiving your complete intake
Compare the three Setup fees

Independent. Not affiliated with, or endorsed by, AUSTRAC or the Australian Government.

What we do not do

We do not give legal advice. We do not act as your AML/CTF compliance officer, senior manager or governing body, and we do not lodge reports for you. We do not carry out your independent evaluation: AUSTRAC expects an evaluator not to have been involved in developing the program. AUSTRAC, Step 5

03 Key dates

What has happened, and what comes next

Past dates are marked past. Each line shows its source.

  1. 1 July 2026

    Program, customer due diligence, reporting and record-keeping obligations began for real estate (Table 5) and professional services (Table 6).

    Amendment Act Sch 3 item 11
  2. 29 July 2026

    Enrolment was due for firms already providing those services on 1 July 2026. A firm that starts later has 28 days from its first designated service. A missed date does not end the obligation: it continues until you enrol.

    Not enrolled yet? You enrol directly with AUSTRAC. You do not need to buy anything from us to do it. Enrol with AUSTRAC

    Sch 3 item 12 Act s 51B
  3. 28 August 2026

    AUSTRAC said it had begun issuing section 167 notices to businesses that appear to be providing designated services but have not enrolled. It named real estate agents, accountants, lawyers and jewellers.

    AUSTRAC news article
  4. 30 June 2027period began 1 July 2026

    Your first annual compliance-report period ends.

    Rules 9-9
  5. 30 September 2027window opens 1 July 2027

    Last day to lodge your first annual compliance report.

    Act s 47 Rules 9-9
  6. 2029 to 2030set by your enrolment identifier

    First independent evaluation, if you were in the 29 July 2026 enrolment group: before 30 June 2029, 31 December 2029, 30 June 2030 or 31 December 2030, depending on the last two digits of your enrolment identifier.

    Transitional Rules s 17

On 1 July 2026 AUSTRAC said it would take a "pragmatic and proportionate approach" as businesses move to the new requirements, while expecting "sustained effort and progress" against an implementation plan. AUSTRAC news article, 1 July 2026

04 Why you can check us

Check us before you trust us

  • Built on AUSTRAC's free kits. Each edition adapts that sector's starter kit, release 1.1 of 10 June 2026, with AUSTRAC's attribution on every document.
  • Checked against the law on a stated date. Every section number, date and threshold was checked against the authorised text of the Act, the Rules 2025 and the Transitional Rules 2026 on 25 September 2026.
  • Law and guidance kept apart. Solid labels mark the law; dashed labels mark guidance or estimates.
  • The seller is named. Wani Meridian Pty Ltd, ABN 97 701 307 020, trading as AMLCompliant.

How we build and check the documents · Every source we rely on

Our one promise

If you find a factual error in a citation, date or threshold in our documents, email [email protected]. We correct it within 5 business days, at no cost. We make no promise about the outcome of any AUSTRAC review: that depends on how your firm follows its program.

For scale: the government's Impact Analysis estimated the average cost of the reforms for the smallest newly regulated businesses (turnover up to $200,000) at about $4,460 upfront and $6,020 a year. It also noted that these businesses "would not be 'starting from scratch'". Impact Analysis, Table 19

05 Straight answers

Questions buyers ask

Is this an AUSTRAC product?

No. AMLCompliant is Wani Meridian Pty Ltd (ABN 97 701 307 020) trading as AMLCompliant, an independent private business. Our documents are adapted from AUSTRAC's free program starter kits under the Creative Commons Attribution 4.0 licence, with attribution. AUSTRAC has not reviewed them and does not endorse them.

Do I still need to enrol?

Yes, if your firm provides a Table 5 or Table 6 designated service and is not yet enrolled. For a firm already providing one on 1 July 2026, enrolment was due by 29 July 2026. A firm that starts later has 28 days from its first designated service (Act s 51B). If you missed the date, the obligation continues until you enrol, and each day late is a separate contravention (s 51B(2B) and (2C)). You enrol directly with AUSTRAC; you do not need to buy anything from us to do it.

What does the kit contain?

Four sector editions: accountants, real estate agencies, conveyancers and legal practices. Each edition is a set of editable Word documents adapted from that sector's AUSTRAC starter kit (release 1.1, 10 June 2026), with a Start here guide and a Sources and citations document. AUSTRAC's own files are not in the zip: each edition links to AUSTRAC's free document library for that sector. One price, A$497 including GST, for all four editions.

What is the difference between the kit and Setup?

With the kit, you customise the documents yourself. With Setup, we customise them from your intake questionnaire: risk assessment, policies, registers, a calendar dated from your enrolment identifier, a training session and an evidence pack. You can download the kit and your intake questionnaire straight after payment. We send your draft documents within 5 business days of receiving your complete intake.

Is this legal advice?

No. We are not a law practice. You decide whether a service you provide is a designated service, using AUSTRAC's published guidance and its Check if you may be regulated tool; we record your decision and point to the AUSTRAC page behind it. If a case is doubtful, we say so in writing and suggest you ask a lawyer or your professional body.

What if you got a citation wrong?

Tell us at [email protected]. A factual error in a citation, date or threshold in our documents is corrected within 5 business days, at no cost. Every section number, date and threshold was checked against the AML/CTF Act (compilation C2026C00274), the AML/CTF Rules 2025 (F2025L01026) and the Transitional Rules 2026 (F2026L00393) on 25 September 2026.

More in the guides, or see prices side by side.

06 Sources for this page

Sources for this page

All opened 25 September 2026. Links open in a new window. AUSTRAC pages are guidance, not law.

  • Law Anti-Money Laundering and Counter-Terrorism Financing Act 2006, compilation C2026C00274. legislation.gov.au
  • Law AML/CTF Amendment Act 2024 (C2024A00110), Schedule 3. legislation.gov.au
  • Law AML/CTF Rules 2025 (F2025L01026). legislation.gov.au
  • Law AML/CTF Transitional Rules 2026 (F2026L00393). legislation.gov.au
  • Guidance AUSTRAC, "Enrol with us overview", enrolment table as at 17 September 2026. austrac.gov.au
  • Guidance AUSTRAC, "AUSTRAC issues notices to non-enrolled businesses", 28 August 2026. austrac.gov.au
  • Guidance AUSTRAC, "Changes to AML/CTF obligations: What you need to do", 1 July 2026. austrac.gov.au
  • Guidance AUSTRAC, "Step 5: Conduct an independent evaluation", including who can be an evaluator. austrac.gov.au
  • Guidance AUSTRAC, program starter kits, release 1.1 (10 June 2026), and their suitability criteria. austrac.gov.au
  • Estimate Office of Impact Analysis, Impact Analysis (Attorney-General's Department, September 2024), Table 19. oia.pmc.gov.au

The full list, with the version of each instrument we read, is on our sources page.