Compliance · Australia
Old compliance: have a policy. New compliance: have a receipt.
Every obligation below asks the same question in a different costume: can you prove it? And the proof has to be collected as it happens. You cannot produce a screenshot of a checkout you have already changed.
The gap
Doing it right and proving you did are two different jobs.
The work, done properly, every time.
Almost every businessRecords, dated, retrievable for one named person, years later.
Very few3 obligations · Australia
What's landing, and when
1 July 2026Live now
AML/CTF Tranche 2 for accountants and bookkeepers
Accounting & bookkeeping
1 July 2026Live now
Payday super
All employers
10 December 2026Coming
Automated decision-making transparency (APP 1.7-1.9)
Most businesses over $3m turnover
- Accounting & bookkeeping · 1 July 2026
AML/CTF Tranche 2 for accountants and bookkeepers
Live since 1 July 2026. If your firm provides a designated service, you now carry bank-grade customer due diligence, ongoing monitoring and seven-year records.
- All employers · 1 July 2026
Payday super
Since 1 July 2026, superannuation has to reach the fund within seven business days of every payday, not quarterly.
- Most businesses over $3m turnover · 10 December 2026
Automated decision-making transparency (APP 1.7-1.9)
From 10 December 2026, if software helps decide something that significantly affects a person, your privacy policy has to say so.
Coming soon....
Passed, announced, or still being written.
Some obligations are passed but not yet in force, or announced but not yet law. We track them here so you're not surprised, and we don't put a date on them until it's real.
- Unfair trading practices and subscription rules. Passed July 2026, starts 1 July 2027. The detailed renewal reminder rules are still being written.
- Australian Standards for AI. Announced July 2026, legislation expected 2027. Nothing to comply with yet.
- Privacy Act "Tranche 2". Exposure draft August 2026. Not yet before Parliament.
- New Zealand obligations for firms operating on both sides of the Tasman. Coming once reviewed.
Before you build anything
Most of the burden is a clock nobody is watching.
The clock starts and does not stop. Shortest first.
- 24 hoursTerrorism financing reportAML/CTF Tranche 2 for accountants and bookkeepers
- 3 business daysSuspicious matter reportAML/CTF Tranche 2 for accountants and bookkeepers
- 7 business daysSuper must reach the fundPayday super
- 20 business daysNew employee first contributionPayday super
- Quarterly, in practiceSystem inventory refreshAutomated decision-making transparency (APP 1.7-1.9)
- AnnuallyCompliance reportAML/CTF Tranche 2 for accountants and bookkeepers
- 7 yearsRecord retentionAML/CTF Tranche 2 for accountants and bookkeepers
These start when something happens. Nothing puts them in a diary, which is exactly why they get missed.
- Per $10k+ transactionThreshold transaction reportAML/CTF Tranche 2 for accountants and bookkeepers
- Every paydaySingle Touch Payroll reportPayday super
- On every system changePrivacy policy reviewAutomated decision-making transparency (APP 1.7-1.9)
10 clocks, 3 obligations. A clock nobody is watching is the most automatable thing in a business — and usually the cheapest to fix.