Amendment guide

This page provides an Amendment Guide (archive of amendment instruments) to assist visitors in researching the legislative history of a particular chapter or chapters.

Contents

Section amendments

Sections Amendment instrument Amendment description
Section 2 rs. Amdt, 2008 (No. 1) Clarify other AML/CTF Rules outside main Compilation.
Note to
section 2
rep. Amdt, 2008 (No. 7) All Rules incorporated into one Compilation.
Section 3 rep. Amdt, 2008 (No. 1) Minor amendments.

Chapter amendments

Chapter Amendment instrument Amendment description
Chapter 1 am. Amdt, 2009 (No. 3) 'Accredited translator' inserted as not previously defined in the AML/CTF Rules, despite being relevant for verification of customer identity.
am. Amdt, 2009 (No. 4) Expands the list of persons who can certify that a document is a true copy of, or an extract from, an original document, to include all persons under Regulation 4 of the Statutory Declarations Regulations 1993.
am. Amdt, 2011 (No. 1) Adds 'officers' and 'authorised representatives' of Australian credit licence holders as persons who can certify true copies of documents under the AML/CTF Rules.
am. Amdt, 2012 (No. 1) Minor changes as a result of the amalgamation of Medicare Australia and Centrelink with the Department of Human Services.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
am. Amdt, 2014 (No. 1) Amends 'primary non-photographic identification document' definition.
am. Amdt, 2014 (No. 3)

Amends definition of 'certified copy' - adds notary public in a foreign country.

Inserts definitions of 'Australian Government Entity', 'politically exposed person', 'reasonable measures' and 'senior managing official'.

Amends definition of 'beneficial owner'.

Chapter 2 rs. Amdt, 2009 (No. 3) Extends the definition of designated business group to accountancy and law practices
am. Amdt, 2010 (No.1) Allows reporting entities that are money transfer service providers, representatives or sub-representatives of a money transfer service provider, and who provide a registrable designated remittance service through the provider's money transfer service, to form designated business groups.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 3 am. Amdt, 2008 (No. 7) Requirements relating to Correspondent banking for reporting entities.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 4 am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
rs. Amdt, 2014 (No. 3) Amendments relating to customer due diligence, beneficial owners and politically exposed persons.
am. Amdt, 2015 (No. 1) Amendment to clarify operation of paragraph relating to collection and verification of beneficial owner information.
am. Amdt, 2015 (No. 2) Amendment to exempt reporting entities currently exempt from customer identification from the identification of beneficial owners and politically exposed persons.
rs. Amdt, 2016 (No. 1) Amendments on customer identification relating to the electronic safe harbour provisions for customers and the collection of identification information from sources other than the customer.
Chapter 5 am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
rs. Amdt, 2014 (No. 3) Amendments relevant to legal powers and insertion of term 'AML/CTF program'.
Chapter 6 am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 7 am. Amdt, 2007 (No. 4) Amends paragraph 7.3.2(2) to read "112(2)" rather than paragraph "114(2)".
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 8 am. Amdt, 2012 (No. 1) Requires reporting entities to state in their AML/CTF programs what reporting obligations and appropriate systems and controls they have under the AML/CTF Act.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
am. Amdt, 2014 (No. 3) Amendments to clarify legal powers and program requirements.
am. Amdt, 2014 (No. 4) Amendments to include reference to additional reporting requirements.
Chapter 9 am. Amdt, 2012 (No. 1) Requires reporting entities to state in their AML/CTF programs what reporting obligations and appropriate systems and controls they have under the AML/CTF Act.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
am. Amdt, 2014 (No. 3) Amendments to clarify legal powers and program requirements.
am. Amdt, 2014 (No. 4) Amendments to include reference to additional reporting requirements.
Chapter 10 am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 11 ad. Amdt, 2007 (No. 1) Specifies the compliance reporting and lodgement periods under the AML/CTF Act.
am. Amdt, 2008 (No. 8) Specifies the reporting and lodgement periods for 2008.
am. Amdt, 2009 (No. 5) Specifies the reporting and lodgement periods for 2009.
am. Amdt, 2010 (No. 3) Specifies that the compliance reporting period for 2010 is a calendar year, and will continue as a calendar year.
am. Amdt, 2011 (No. 8) Exemption from submitting a 2011 compliance report for reporting entities providing remittance services.
am. Amdt, 2012 (No. 5) Exemption for registered remittance network providers and registered remittance affiliates providing only designated services under items 31, 32 or 32A from the requirement to lodge a compliance report for 2012.
rs. Amdt, 2013 (No. 2) Exemption from the requirement to lodge a compliance report for 2013 for registered remittance network providers and registered remittance affiliates providing only designated services under items 31, 32 or 32A.
rs. Amdt, 2014 (No. 5) Exemption from the requirement to lodge a compliance report for 2014 for registered remittance network providers and registered remittance affiliates providing only designated services under items 31, 32 or 32A.
am. Amdt, 2015 (No. 2)
Exemption from the requirement to lodge a compliance report for 2015 for registered remittance network providers and registered remittance affiliates providing only designated services under items 31, 32 or 32A.
am. Amdt, 2016 (No. 2) Exemption from the requirement to lodge a compliance report for 2016 for registered remittance network providers and registered remittance affiliates providing only designated services under items 31, 32 or 32A.
Chapter 12 ad. Amdt, 2007 (No. 1) Information to be transferred with Electronic Funds Transfer Instructions when money is paid by credit card.
am. by Amdt, 2007 (No. 2) Amendment to include Chapter in previous instrument.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 13 ad. Amdt, 2007 (No. 2) Specifies approved third-party bill payment systems which are exempt from passing on specified information with an Electronic Funds Transfer Instruction.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 14 ad. Amdt, 2007 (No. 3) Monetary thresholds that trigger customer identification under the AML/CTF Act.
am. Amdt, 2008 (No. 6) Transaction value raised from $500 to $1000 for some designated services.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 15 ad. Amdt, 2007 (No. 4) Specifies ongoing customer due diligence requirements for reporting entities.
am. Amdt, 2007 (No. 5) Inserts commencement details.
am. Amdt, 2011 (No. 5) Requirements for reporting entities in high ML/TF risk situations, and inserts 'prescribed foreign countries' and definition of 'ultimate beneficial ownership'.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
rs. Amdt, 2014 (No. 3) Amendments relating to customer due diligence, beneficial owners and politically exposed persons.
Chapter 16 ad. Amdt, 2007 (No. 4) Requirements for IFTI-E reports to AUSTRAC.
am. Amdt, 2007 (No. 5) Inserts commencement details.
am. Amdt, 2011 (No. 2) Reporting requirements for 'batched' instructions'.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 17 ad. Amdt, 2007 (No. 4) Requirements for IFTI-DRA reports to AUSTRAC.
am. Amdt, 2007 (No. 5) Inserts commencement details.
am. Amdt, 2008 (No. 7) Amends IFTI-DRA requirements
am. Amdt, 2011 (No. 1) Adds the term 'non-financier', specifies the information required for account details and allows the use of identifiers for name and address.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 18 ad. Amdt, 2007 (No. 4) Requirements for suspicious matter reports to AUSTRAC.
am. by Amdt, 2008 (No. 7) Amends suspicious matter reporting requirements.
am. Amdt, 2007 (No. 5) Inserts commencement details.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 19 ad. Amdt, 2007 (No. 5) Requirements for threshold transaction reports to AUSTRAC.
am. by Amdt, 2008 (No. 1) Minor amendments.
am. by Amdt, 2008 (No. 7) Amends threshold transaction requirements.
am. Amdt, 2009 (No.3) Minor amendments.
rs. Amdt, 2010 (No. 3) Amends threshold transaction requirements including the specification of 'agent' details.
am. by Amdt, 2011 (No. 6) Amends threshold transaction requirements relating to item 51 and 53 designated services.
am. Amdt, 2011 (No. 8) Minor amendments.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 20 ad. Amdt, 2008 (No. 1) Record keeping requirements relating to reliance by a reporting entity on customer identification performed by another reporting entity.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 21 ad. Amdt, 2008 (No. 2) Exemptions relating to issuing or selling a security or derivative.
am. Amdt, 2012 (No. 1) Extension of exemption to foreign financial markets.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
am. Amdt, 2014 (No. 2) Exemption relevant to registered managed investment schemes.
Chapter 22 ad. Amdt, 2008 (No. 3) Exemption of transactions relating to the over-the-counter derivatives market.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 23 ad. Amdt, 2008 (No. 5) 'Accounting' and 'law practices' specified as not carrying out a designated remittance arrangement.
am. Amdt, 2011 (No. 8) Designated remittance arrangements - 'accounting' and 'law practices' specified as being 'non-financiers'.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 24 ad. Amdt, 2008 (No. 7) Movements of Physical Currency into or out of Australia. 
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 25 ad. Amdt, 2008 (No. 7) Receipts of Physical Currency from outside Australia.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 26 ad. Amdt, 2008 (No. 7) Movements of Bearer Negotiable Instruments into or out of Australia. 
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter Amendment instrument Amendment description
Chapter 27 ad. Amdt, 2008 (No. 7) Registrable details - Register of Providers of Designated Remittance Services.
am. Amdt, 2012 (No. 4) Specify the registrable details for the Remittance Sector Register.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
am. Amdt, 2014 (No. 4) Amendments relating to definition of 'enforcement action' and 'beneficial owner'.
Chapter 28 ad. Amdt, 2009 (No.1) Exemption from customer identification for the assignment, conveyance, sale or transfer of a business.
am. Amdt, 2012 (No. 1) The amendments remove uncertainty as to whether the Chapter applies to the voluntary transfer of a business.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 29 ad. Amdt, 2009 (No.2) Exemption from record-keeping for specified records.
rs. Amdt, 2013 (No. 1) Extends exemption to CCTV footage and electronic files.
Chapter 30 ad. Amdt, 2009 (No.2) Specifies the content of a disclosure certificate.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
rs. Amdt, 2014 (No. 3) Amendments relating to customer due diligence and beneficial owners.
Chapter 31 ad. Amdt, 2009 (No.2) Exempts from the AML/CTF Act reporting entities providing traveller accommodation and currency exchange services.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 32 ad. Amdt, 2009 (No.2) Exempts from the AML/CTF Act providers of traveller accommodation that provide in-room safes and safe deposit facilities to registered guests.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 33 ad. Amdt, 2009 (No.2) Exemption from customer identification for purchases or sales of bullion below $5000.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 34 ad. Amdt, 2009 (No.2) Details of notices regarding cross-border movement reporting obligations.
am. Amdt, 2011 (No. 8) Consequential amendments as a result of legislative amendments.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 35 ad. Amdt, 2009 (No.3) Exemption from customer identification for signatories of correspondent banking accounts.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 36 ad. Amdt, 2009 (No.4) Exemption in regard to corporate treasury activities.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 37 ad. Amdt, 2009 (No.4) Exemption from threshold transaction reporting for a designated service provided to one ADI by another ADI.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 38 ad. Amdt, 2009 (No.4) Exemption from customer identification for the sale of shares for charitable purposes.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
rs. Amdt, 2013 (No. 2) Consequential legislative amendments.
am. Amdt, 2016 (No. 1) Amendment to increase the relevant threshold from $500 to $10,000 for the value of the securities.
Chapter 39 ad. Amdt, 2009 (No.4) Exemption from customer identification for premium funding loans for a general insurance policy.
am. Amdt, 2011 (No.4) Extension of sunset clause repealing the chapter until 30 June 2012.
am. Amdt, 2012 (No.3) Repeal of sunset clause.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 40 ad. Amdt, 2009 (No.5) Exempts legal practitioners providing custodial, depository safe deposit box services in the course of legal practice.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 41 ad. Amdt, 2009 (No.5) Exempts trustees of a superannuation fund from carrying out customer identification where the value of the interest is $1000 or less.
rs. Amdt, 2012 (No. 5) Exemption which relates to the Departing Australia Superannuation Payment where the value of the interest is $5000 or less.
Chapter 42 ad. Amdt, 2009 (No.5) Exempts from the AML/CTF Act commodity warehousing of grain.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 43 ad. Amdt, 2009 (No.5) Exemption from the AML/CTF Act for Friendly Society closed funds.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 44 ad. Amdt, 2010 (No.1) Specifies that a person's Name and registrable details may be removed from the Register of Providers of Designated Remittance Services.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 45 ad. Amdt, 2010 (No.1) Partial exemption for debt collectors.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 46 ad. Amdt, 2010 (No.2) Specifies the circumstances when customer identification can take place after the designated service is provided.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 47 ad. Amdt, 2010 (No.2) Exemption relating to risk-only life policy interests in a superannuation fund.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 48 ad. Amdt, 2010 (No.2) Exempts reporting entities that provide salary packaging administrative services.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 49 ad. Amdt, 2011 (No.1) Exempts reporting entities providing designated services under an International Uniform Give-Up Agreement from customer identification.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 50 ad. Amdt, 2011 (No.1) Exemption from customer identification relevant to pre-commencement customers in a DBG.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 51 ad. Amdt, 2011 (No.2) Allows specified reporting entities to submit IFTIs to AUSTRAC using the IFTI-E approved form, rather than the IFTI-DRA approved form.
am. Amdt, 2011 (No. 8) Clarifies corporate details of specified reporting entities.
rs. Amdt, 2012 (No.1) Resolves an IFTI reporting anomaly between PayPal Australia and associated PayPal entities outside Australia.
am. Amdt, 2012 (No. 4) Clarifies corporate details of specified reporting entities.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 52 ad. Amdt, 2011 (No.3) Exemption for reporting entities with licence to operate fifteen gaming machines or less.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 53 ad. Amdt, 2011 (No.6) Exemption from threshold transaction reporting for Australian Government Entities and ADIs.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 54 ad. Amdt, 2011 (No.7) Specifies reporting obligations of registered remittance network providers on behalf of their registered remittance affiliates.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 55 ad. Amdt, 2011 (No.7) Allows the AUSTRAC CEO to correct the Remittance Sector Register.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 56 ad. Amdt, 2011 (No.7) Specifies the information which must be included in an application for registration on the Remittance Sector Register.
am. Amdt, 2012 (No. 2) Specifies that applications for registration must include the contact details of the person making the application.
am. Amdt, 2012 (No. 4) Amendments make the requirements for trusts consistent with other entities.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
am. Amdt, 2013 (No. 2) Amendments allowing the use of National Police History Checks.
am. Amdt, 2014 (No. 4) Amendments including those relating to key personnel and definitions of 'enforcement action' and 'beneficial owner'.
am. Amdt, 2016 (No. 1) Amendment to definitions.
Chapter 57 ad. Amdt, 2011 (No.7) Specifies matters which the AUSTRAC CEO must have regard in deciding whether to register an applicant.
am. Amdt, 2012 (No. 4) Amendments to incorporate matters set out in the AML/CTF Act, to which the AUSTRAC CEO must have regard.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 58 ad. Amdt, 2011 (No.7) Specifies the matters that AUSTRAC CEO must consider when deciding whether or not to cancel the registration of a reporting entity on the Remittance Sector Register.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
am. Amdt, 2014 (No. 4) Amendments including matters the AUSTRAC CEO has regard to and definitions of 'enforcement action' and 'beneficial owner'.
Chapter 59 ad. Amdt, 2011 (No.7) Specifies the grounds on which the AUSTRAC CEO may suspend a person for a period of time.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
am. Amdt, 2014 (No. 4) Amendments including grounds for suspension and definitions of 'enforcement action' and 'beneficial owner'.
Chapter 60 ad. Amdt, 2011 (No.7) Specifies matters that must be notified to the AUSTRAC CEO by a person registered on the Remittance Sector Register if there is a change in circumstances.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
am. Amdt, 2014 (No. 4) Amendments including those related to key personnel and definitions including 'enforcement action' and 'beneficial owner'.
am. Amdt, 2016 (No. 1) Amendment to definitions.
Chapter 61 ad. Amdt, 2011 (No.7) Reporting obligations of remittance affiliates which are not on the Remittance Sector Register but are registered on the Register of Providers of Designated Remittance Services.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 62 ad. Amdt, 2011 (No.7) Allows the AUSTRAC CEO to correct an entry on the Reporting Entities Roll.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 63 ad. Amdt, 2011 (No.7) Specifies the information which must be provided or obtained and retained by a person applying for enrolment on the Reporting Entities Roll.
am. Amdt, 2012 (No. 2) Amendments to information required for the Reporting Entities Roll relevant to the cost recovery levy.
am. Amdt, 2012 (No. 4) Amendments relevant to the details of partnerships and trusts.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
am. Amdt, 2014 (No. 4) Amendments relating to definition of 'beneficial owner'.
am. Amdt, 2015 (No. 1) Consequential amendments to enrolment information as part of the introduction of the AUSTRAC Industry Contribution.
Chapter 64 ad. Amdt, 2011 (No.7) Specifies that a person must report to the AUSTRAC CEO any change in the person's enrolment details.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 65 ad. Amdt, 2011 (No.7) Specifies the information which must be included in a request to remove a person from the Reporting Entities Roll.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
am. Amdt, 2014 (No. 4) Amendments relating to definition of 'beneficial owner'.
am. Amdt, 2015 (No. 1) Consequential amendments to information required to remove details from the Roll, as part of the introduction of the AUSTRAC Industry Contribution.
Chapter 66 ad. Amdt, 2011 (No.8) Exemption from conducting customer identification on the compulsory transfer of a business.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 67 ad. Amdt, 2012 (No.1) Exemption from customer identification in regard to 'warrants'.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 68 ad. Amdt, 2012 (No. 4) Requires reporting entities to keep customer identification records in an appropriate form.
am. Amdt, 2013 (No. 1) Minor amendments to privacy notices.
Chapter 69 ad. Amdt, 2014 (No. 1) Exemption from registration on Remittance Sector Register for casino licence holders.
Chapter 70 ad. Amdt, 2014 (No. 4) Renewal of registration requirements.
Chapter 71 ad. Amdt, 2014 (No. 6) Credit card reform - specifying persons under Items 1, 2 and 3 of Table 1 in subsection 6(2) of the AML/CTF Act
Chapter 72 ad. Amdt, 2016 (No. 2) Account-based money transfer systems for MoneyGram and Western Union
Chapter 73 ad. Amdt, 2016 (No. 2) Exemption for Registered Plan Management Providers under the National Disability Insurance Scheme
All Chapters am. Amdt, 2014 (No. 3) Minor amendments to privacy notices.

Schedule amendments

Schedules to the AML/CTF Rules Amendment instrument Amendment description
Schedules
1, 2, 3
am. Amdt, 2007 (No. 5) (as am. by Amdt, 2008 (No. 1)) Minor amendments.


Note:
A Table of Amendments is also available in the AML/CTF Rules Compilation, Anti-Money Laundering and Counter-Terrorism Financing Rules 2007 (No. 1), but without the commentary contained in the above Table.

 

Glossary of amendment guide terms

Term Description
ad. Added or inserted
am. Amended
rep. Repealed
rs. Repealed and substituted
ADI Authorised deposit-taking institution
Batched instruction A batched instruction is one that incorporates multiple transaction instructions 'batched' into a single file accepted by an authorised deposit-taking institution (ADI) from a payer and passed on or dispatched in a single file by that ADI.
Correspondent Banking The provision of banking services by one financial institution to another financial institution.
Customer Identification The AML/CTF Act requires reporting entities to identify customers by the use of the applicable customer identification procedure. This procedure is specified in Chapter 4.
DBG Group formed by reporting entities.
Designated service Designated services in full are set out in tables 1, 2, 3 and 4 of section 6 of the AML/CTF Act.
IFTI International funds transfer instructions
IFTI-DRA International funds transfer instructions relating to a Designated Remittance Arrangement, refer to Chapter 17
IFTI-E International funds transfer instructions relating to an Electronic Funds Transfer Instruction, refer to Chapter 16
Last modified: 13/01/2017 15:34