The AML/CTF Rules are now in 2 instruments:

1. The first contains all of the Rules that set out the general obligations that align with the amended Act.
2. The second contains exemptions. This is called the Anti‑Money Laundering and Counter‑Terrorism Financing (Class Exemptions and Other Matters) Rules 2007 (Class Exemption Rules).

To help businesses navigate the changes to the Rules we have created a renumbering and amendment ready reckoner. This document indicates how numbering of sections has changed between: 

• the second consultation exposure draft of the new Rules
• the new Rules we tabled in Parliament.

Download the renumbering table (PDF, 277 KB)

Working with industry

We received a total of 229 submissions across the 2 rounds of public consultations and we considered this feedback as we developed the Rules. Industry engaged with us through submissions, forums, working groups and workshops.

Your engagement provided us with valuable insights. It helped us keep the real-world impacts in mind as we developed the legal framework for the AML/CTF regime.

Key areas of focus from the feedback are: 

• customer due diligence
• AML/CTF programs
• value transfer and the travel rule
• reporting groups.

How this affects you

The new Rules will affect you if you’re currently regulated by us.

The new Rules also affect businesses that provide certain services in ‘tranche 2’ sectors:

• real estate
• accounting
• legal
• trust and company services
• precious metals and stones
• virtual assets.

You can visit check if I’ll be regulated and our reform page to find out if you’ll be affected. 

What’s next

We’re committed to supporting businesses to prepare for regulation under the amended Act and new Rules. Businesses like yours play a key role in detecting and preventing serious financial crime. 

In order to meet your obligations under the Act, you must:

• familiarise yourself with the Rules and related laws
• consider how the changes impact your business. 

You can also read more about our regulatory expectations and priorities.

The new Rules come into effect on:

• 31 March 2026: Changes to AML/CTF obligations start for current reporting entities, except for threshold transaction reporting and suspicious matter reporting which will remain the same until 2029
• 31 March 2026: Enrolment opens for newly-regulated sectors (tranche 2)
• 1 July 2026: AML/CTF obligations start for tranche 2 entities. 

We acknowledge that requests for class exemptions may occur in certain circumstances. Refer to Applying for exemptions and modifications for more detail on Rules-based exemption requests.