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AUSTRAC released their reform guidance in October 2025 and it was comprehensive but dense.
We've translated the information into practical decision trees so you know when and what is a designated service and requires AML/CTF compliance.
Are you regulated?
Real estate services (Reform)
Use the linked decision trees below to find out if you're offering a designated service and will be regulated by AUSTRAC.
Item 2: Selling or transferring real estate without an independent real estate agent
Professional services (Reform)
Use the linked decision trees below to find out if you're offering a designated service and will be regulated by AUSTRAC.
Item 1: Assisting to plan or execute a transaction to buy, sell or transfer real estate
Items 7 & 8: Acting on behalf of a person or as a nominee shareholder in a body corporate or legal arrangement
People also read:
- AML/CTF Reform: Core guidance - a summary
- AML/CTF Rules 2025: A plain-English overview for busy professionals
- The layman's guide to AML/CTF Rules 2025: Part 3 - Enrolment
- The layman's guide to AML/CTF Rules 2025: Part 4 - Registration
- The layman's guide to AML/CTF Rules 2025: Part 5 - AML / CTF Programs
About First AML
First AML comes from the perspective of both a technology provider, but also as compliance professionals. Prior to releasing, First AML’s all-in-one AML workflow platform, we processed over 2,000,000 AML cases ourselves. Understanding the acute problem that faces firms these days as they try to scale their own AML, is in our DNA.
That's why First AML now powers thousands of compliance experts around the globe to reduce the time and cost burden of complex and international entity KYC. Source stands out as a leading solution for organisations with complex or international onboarding needs. It provides streamlined collaboration and ensures uniformity in all AML practices.
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