Free tool
Penalty estimator
Look up the maximum civil and criminal penalty exposure across 30 Australian compliance Acts (47 breach areas). Model multi-Act exposure for a board paper, audit response or insurance conversation — or jump to "Browse all Acts" for a single-section lookup.
Max aggregate exposure
$36.40M
AML/CTF — program contravention (s 81/82)
$36.40M
Per-breach max: $36.40M
- • Per-breach regime — each separate contravention attracts the maximum.
- • Per-contravention cap; CBA (2018) and Westpac (2020) settlements both treated each breach as a separate contravention reaching billions in aggregate.
- • AUSTRAC accepts cooperation discounts — CBA received a c. 50% discount on the stated maximum.
Leading cases: AUSTRAC v Commonwealth Bank (2018) — $700M civil penalty; AUSTRAC v Westpac (2020) — $1.3B civil penaltyAML/CTF Act 2006 ss 81-82 ↗· Last verified 2026-06-05
Reference tool — not legal advice. Court-imposed penalties are typically well below the statutory maximum; these figures show the upper bound. Penalty unit values and turnover-based caps change frequently — verify against legislation.gov.au for any matter you act on.
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