--- title: "Part A/B AML Programs Now Outdated | HeadStart Docs" description: "The AML/CTF Act no longer uses Part A and Part B terminology. Learn why old templates are non-compliant and what the new unified program structure requires under Section 26B." lang: en-AU json-ld: | [ { "@context": "https://schema.org", "@type": "Organization", "name": "HeadStart Docs", "legalName": "HeadStart Docs Pty Ltd", "url": "https://www.headstartdocs.com.au", "logo": { "@type": "ImageObject", "url": "https://www.headstartdocs.com.au/logo-512.png?v=4", "width": 512, "height": 512 }, "description": "AML/CTF compliance digital products and programs for Australian businesses under Tranche 2 regulations. Free program documents and AML Portal. 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HeadStart Docs products are digital publications that give you a substantial head start, but they must be reviewed and tailored by a qualified solicitor to your specific business circumstances before implementation." } }, { "@type": "Question", "name": "How is HeadStart Docs different from the free AUSTRAC Starter Kits?", "acceptedAnswer": { "@type": "Answer", "text": "AUSTRAC Starter Kits are generic starting points that require significant customisation. HeadStart products are sector-specific, pre-populated with industry-relevant risk factors and scenarios, and include 12 months of AML Portal access for ongoing compliance including screening, record keeping and reporting tools." } }, { "@type": "Question", "name": "What if the AML/CTF rules change after I purchase?", "acceptedAnswer": { "@type": "Answer", "text": "Your digital products are yours to keep. If significant regulatory changes occur, updated versions will be available to active portal subscribers. The AML Portal itself is continuously updated to reflect current AUSTRAC requirements and sanctions lists." } }, { "@type": "Question", "name": "What happens after my 12-month AML portal access expires?", "acceptedAnswer": { "@type": "Answer", "text": "Your documentation is yours forever. To continue using the AML Portal (screening tools, compliance calendar, record keeping), you pay $35 per customer CDD. Cancel anytime — no subscription required." } }, { "@type": "Question", "name": "Is HeadStart Docs a law firm?", "acceptedAnswer": { "@type": "Answer", "text": "No. HeadStart Docs is a digital publisher and platform provider. We sell digital compliance products and portal access. We do not provide legal advice. Referrals for legal advice can be made to our related law firm, HeadStart Counsel." } }, { "@type": "Question", "name": "When does AML/CTF Tranche 2 commence in Australia?", "acceptedAnswer": { "@type": "Answer", "text": "Tranche 2 AML/CTF obligations commence on 1 July 2026. All reporting entities in designated sectors including lawyers, accountants, real estate agents, conveyancers, and trust and company service providers must have their AML/CTF programs in place by this date." } } ] }, { "@context": "https://schema.org", "@type": "BreadcrumbList", "itemListElement": [ { "@type": "ListItem", "position": 1, "name": "Home", "item": "https://www.headstartdocs.com.au/" }, { "@type": "ListItem", "position": 2, "name": "Free Resources", "item": "https://www.headstartdocs.com.au/tranche-2-resources" }, { "@type": "ListItem", "position": 3, "name": "Part A/B Programs Out of Date", "item": "https://www.headstartdocs.com.au/tranche-2-resources/part-ab-programs-void-2026" } ] }, { "@context": "https://schema.org", "@type": "Article", "headline": "Why 'Part A' and 'Part B' Programs are Out of Date in 2026", "description": "The AML/CTF Act no longer uses Part A and Part B terminology. Learn why old templates are non-compliant and what the new unified program structure requires.", "datePublished": "2025-12-20", "dateModified": "2025-12-20", "url": "https://www.headstartdocs.com.au/tranche-2-resources/part-ab-programs-void-2026", "image": "https://www.headstartdocs.com.au/logo-512.png", "inLanguage": "en-AU", "isPartOf": { "@type": "WebSite", "name": "HeadStart Docs", "url": "https://www.headstartdocs.com.au" }, "about": { "@type": "Thing", "name": "AML/CTF Compliance", "description": "Anti-Money Laundering and Counter-Terrorism Financing compliance for Australian businesses under Tranche 2" }, "author": { "@type": "Organization", "name": "HeadStart Docs" }, "publisher": { "@type": "Organization", "name": "HeadStart Docs", "logo": { "@type": "ImageObject", "url": "https://www.headstartdocs.com.au/logo-512.png" } } } ] --- [Get Started ](/checkout) We use cookies to enhance your experience and analyse traffic. [Privacy Policy](/privacy) Essential OnlyAccept All [Skip to main content](#main-content) [ ![HeadStart Docs](/assets/logo-dark-bg-CUivuKJ8.png)![HeadStart Docs](/assets/logo-light-bg-D5BRMGqf.png) ](/) [Home ](/) Features [Programs ](/programs) Resources Sectors [Log in ](/auth) [Portal](/aml-landing) ![AML compliance program documentation](/assets/aml-compliance-meeting-_5wdVU3m.jpg) [Back to Free Resources](/tranche-2-resources) 20 December 2025 • Technical Compliance # Why "Part A" and "Part B" Programs are Out of Date in 2026 For 15 years, AML/CTF programs were split into Part A (General) and Part B (Customer Identification). That structure is now obsolete. If your program still uses this terminology, it does not comply with the reformed legislation. ## The old structure: Part A and Part B Under the original AML/CTF Act 2006, reporting entities were required to have an AML/CTF program with two distinct parts: #### Part A: General Program Covered risk assessment, transaction monitoring, employee training and general compliance procedures. #### Part B: Customer Identification Covered customer due diligence, identity verification and beneficial ownership identification. This structure served its purpose for Tranche 1 entities (financial services, gambling, bullion dealers). However, the reformed legislation takes a fundamentally different approach. ## The change: Section 26B unified program Under **Section 26B** of the reformed Anti-Money Laundering and Counter-Terrorism Financing Act 2006, the Act no longer uses "Part A" and "Part B" terminology. Instead, it mandates a unified AML/CTF program with integrated components. ### Section 26B: AML/CTF Program Requirements The new legislation requires a single, integrated program consisting of: - **ML/TF/PF Risk Assessment** (Section 26C) - now including Proliferation Financing - **AML/CTF Policies** (Section 26F) - covering all operational requirements - **Customer Due Diligence** - integrated within the policies, not separate - **Ongoing Compliance** - unified monitoring and reporting framework ## Why old documents fail If you purchase or use an AML/CTF program document that still references "Part A" and "Part B," you face several problems: #### Structural non-compliance The program structure itself does not match what the Act requires. AUSTRAC expects to see programs aligned with Sections 26B-26F, not the old Part A/B framework. #### Missing PF risk assessment Old documents do not address Proliferation Financing, which is now a mandatory component under Section 26C(1). This alone makes any pre-reform document non-compliant. #### Incorrect section references Documents referencing old section numbers create confusion and demonstrate the program was not updated for the reformed legislation. ## The new unified structure Under **Section 26C**, your risk assessment must now address: - **Money Laundering (ML)** risks specific to your designated services - **Terrorism Financing (TF)** risks applicable to your business - **Proliferation Financing (PF)** risks - the new mandatory category Under **Section 26F**, your AML/CTF policies must include: ### Section 26F Policy Requirements - Customer due diligence procedures (integrated, not separate) - Ongoing customer due diligence - Beneficial ownership identification - Transaction monitoring appropriate to your business - Suspicious matter identification and reporting - Record keeping procedures - Employee due diligence (Section 26F(4)(d)) - AML/CTF Compliance Officer appointment - Training for relevant employees ## What you need to do 1. **Audit your current program:** Check whether it uses Part A/B terminology. If it does, it needs replacement, not just updating. 2. **Verify section references:** Ensure all legislative references point to the current sections (26B, 26C, 26F, etc.), not the old framework. 3. **Check for PF coverage:** Confirm your risk assessment explicitly addresses Proliferation Financing as required by Section 26C(1). 4. **Adopt unified structure:** Your program should present an integrated approach, not artificially separated "parts." ### Key Takeaway Any AML/CTF program that still uses "Part A" and "Part B" terminology is based on obsolete legislation. The reformed Act requires a unified program structure under Sections 26B-26F, including mandatory Proliferation Financing risk assessment under Section 26C(1). [View AML/CTF Digital Products](/programs) [ Read our complete Tranche 2 Guide Key dates, affected sectors, obligations and how to prepare ](/tranche-2) **Disclaimer:** This article is general information only. It is not legal, financial or compliance advice. HeadStart Docs™ provides free compliance documents, not legal services. We do not guarantee the accuracy of information provided. Obligations may apply depending on your designated services. Always confirm your specific requirements with a qualified adviser. Need a lawyer to review your AML/CTF program? [HeadStart Counsel](https://headstartcounsel.com.au/get-started) offers fixed-fee tailoring from $1,800+GST. Separate entity and engagement. ### Related Articles [ Compliance What is Proliferation Financing? ](/tranche-2-resources/proliferation-financing-real-estate-2026)[ Compliance Enhanced Due Diligence triggers ](/tranche-2-resources/enhanced-due-diligence-triggers)[ Best Practices Building an effective AML/CTF program ](/tranche-2-resources/building-effective-amlctf-program) ### Free Compliance Tools [Implementation Timeline Key dates and milestones for Tranche 2 compliance ](/timeline)[Readiness Test Assess your compliance readiness in 2 minutes ](/risk-calculator)[Sanctions Screening Search Australian sanctions lists and country risk ](/sanctions-search) ### Ready to get compliant? Sector-specific compliance documents to help you build your AML/CTF program. 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