AU regulatory landscape¶

Australian regulatory obligations applicable to an authorised deposit-taking institution (ADI) operating under the Banking Act 1959 and adjacent legislation.

APRA prudential regulation¶

Capital adequacy¶

Standard	Subject	Page
APS 110	Capital Adequacy — minimum capital ratios and buffers	au-aps-110.md
APS 112	Capital Adequacy: Standardised Approach to Credit Risk	au-aps-112.md
APS 117	Interest Rate Risk in the Banking Book (IRRBB)	au-aps-117.md
APS 330	Public Disclosure — Pillar 3 disclosures	au-aps-330.md
Basel III / Basel IV	International capital and liquidity framework (APRA implementation)	industry-basel-iii.md

Liquidity¶

Standard	Subject	Page
APS 210	Liquidity — LCR, NSFR, and minimum liquidity holdings	au-aps-210.md

Credit quality¶

Standard	Subject	Page
APS 220	Credit Quality — impairment, provisioning, and write-offs	au-aps-220.md

Risk management and operational resilience¶

Standard	Subject	Page
CPS 220	Risk Management — risk management framework requirements	au-cps-220.md
CPS 230	Operational Risk Management — live from July 2025; supersedes CPS 231 and CPS 232	au-cps-230.md
CPS 231	Outsourcing (superseded by CPS 230)	au-cps-231.md
CPS 232	Business Continuity Management (superseded by CPS 230)	au-cps-232.md
CPS 234	Information Security — cyber and information security requirements	au-cps-234.md

Governance and accountability¶

Standard	Subject	Page
CPS 520	Fit and Proper — directors and senior managers	au-cps-520.md
APS 510	Governance — board composition and responsibilities	au-aps-510.md
APS 310	Audit and Related Matters	au-aps-310.md

APRA reporting¶

Standard	Subject	Page
APRA Reporting Standards (ARS)	Prudential and statistical reporting obligations	au-ars.md

ASIC — consumer protection and conduct¶

Regulation	Subject	Page
ASIC Act 2001	Unconscionable conduct, misleading conduct, ASIC powers	au-asic-act.md
NCC Act 2009 (NCCP)	Responsible lending obligations for consumer credit	au-nccp.md
Corporations Act 2001	Financial product regulation, licensing, disclosure, advice	au-corporations-act.md
CDR / Open Banking	Consumer Data Right — data sharing obligations	au-cdr.md
RG 209	Credit licensing: responsible lending conduct	au-asic-rg-209.md
RG 271	Internal dispute resolution standards	au-asic-rg-271.md
RG 274	Product design and distribution obligations (DDO)	au-asic-rg-274.md
ASIC AI Guidance	ASIC guidance on AI and automated decision-making	au-asic-ai-guidance.md
ePayments Code	Voluntary code governing electronic payments to consumers	au-epayments-code.md

Financial Accountability Regime (FAR)¶

Regulation	Subject	Page
Financial Accountability Regime	Accountability obligations for ADIs and their senior executives	au-far.md

AUSTRAC — AML/CTF¶

Regulation	Subject	Page
AML/CTF Act 2006	CDD, transaction monitoring, SMR/TTR reporting, AML programme	au-amlctf-act.md
Autonomous Sanctions Act 2011	Financial sanctions screening obligations	au-autonomous-sanctions-act.md

Privacy and data¶

Regulation	Subject	Page
Privacy Act 1988	Australian Privacy Principles, data collection, disclosure, breach	au-privacy-act.md

Payments¶

Regulation	Subject	Page
Payment Systems (Regulation) Act 1998	RBA oversight of payment systems	au-payment-systems-act.md
NPP Rules	New Payments Platform rules — PayID, real-time payments	au-npp-rules.md
Scam-Safe Accord	Industry commitments to combat scams	au-scam-safe-accord.md

Dispute resolution¶

Regulation	Subject	Page
AFCA Rules	Australian Financial Complaints Authority — scheme membership and obligations	au-afca-rules.md

Employment and workplace¶

Regulation	Subject	Page
Fair Work Act 2009	Employment conditions, enterprise agreements, unfair dismissal	au-fair-work-act.md
WHS Act 2011 (model law)	Workplace health and safety obligations	au-whs-act.md

Technology and AI¶

Standard	Subject	Page
Mandatory AI Guardrails	Commonwealth mandatory guardrails for high-risk AI use	au-mandatory-ai-guardrails.md
Voluntary AI Safety Standard	Government voluntary AI ethics and safety framework	au-voluntary-ai-standard.md

Industry codes¶

Standard	Subject	Page
ABA Banking Code of Practice	Voluntary industry code — customer obligations for retail banking	au-banking-code.md

Enabling legislation¶

Legislation	Subject	Page
Banking Act 1959	ADI licensing, APRA powers, depositor protection	au-banking-act.md