Tranche 2 — live 1 July 2026
You're probably about to be regulated. Here's what to do.
From 1 July 2026, AUSTRAC's anti-money-laundering rules cover real estate agents, lawyers, conveyancers, accountants, bullion dealers and pubs & clubs. We explain it without the jargon and tell you exactly what to do first.
Section
Regulation
AUSTRAC, the AML/CTF Act, and what's actually changing under Tranche 2.
Section
Industry
Vertical-specific guidance for the six Tranche 2 industries.
Industry guides
The six industries Tranche 2 newly covers.
01
Real Estate
Sales, property management and strata under AUSTRAC reporting.
Read the Real Estate guide
02
Accountants
When tax, BAS and bookkeeping work becomes a designated service.
Read the Accountants guide
03
Lawyers
Trust accounts, conveyancing and legal services in scope.
Read the Lawyers guide
04
Conveyancers
High-risk property transactions and customer due diligence.
Read the Conveyancers guide
05
Bullion Dealers
Precious metals dealing under the new reporting regime.
Read the Bullion Dealers guide
06
Pubs & Clubs
Gaming venues and the hospitality-specific AML rules.
Read the Pubs & Clubs guide
Free tools
Three things you can do in the next ten minutes.
01 — Quiz · 3 min
Tranche 2 Readiness Quiz
Eight questions, a score, and a plain-English action list based on what you actually do.
Take the quiz
02 — PDFs · 4 templates
Free Tranche 2 checklists
AML/CTF Program template, Risk Assessment, CDD workflow, and the Readiness Scorecard. Australian-specific.
Browse checklists
03 — Curated directory
Don't want to DIY? Find a provider.
A curated panel of Australian AML vendors who'll build your program, run KYC, and handle AUSTRAC reporting. Editorial selection — vendors can't pay for placement, and not all vendors in the market are listed.
See vendors
Glossary
Lost in the jargon?
Plain-English definitions for 80+ AML, CTF and Tranche 2 terms — written for business owners, not lawyers.
Browse the full glossary- AUSTRAC
- Australia's financial intelligence and AML regulator.
- Reporting Entity
- A business that provides one or more designated services under the AML/CTF Act.
- CDD
- Customer Due Diligence — the steps you take to identify and verify a customer.
- PEP
- Politically Exposed Person — requires enhanced customer due diligence.
- SMR
- Suspicious Matter Report submitted to AUSTRAC when grounds to suspect arise.
- Designated Service
- A specific service listed in the AML/CTF Act that triggers obligations.
The Monday brief
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