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Expert guidance, regulatory updates, and best practices to keep your business compliant and competitive.
When complaints tell a bigger story
A member complains about a delayed payment. Another raises concerns about incorrect fees. A third is frustrated by poor communication. Individually, these might appear to be routine service issues. But what happens when they're all pointing to something bigger? That's the question at the heart of ASIC's latest report, REP 844 – Lessons to be learned: How trustees use insights from superannuation complaints. The report highlights concerning weaknesses in how superannuati
Julia Vojkovic
4 days ago3 min read
APRA's Investment Governance Uplift: a message to Trustees.
Investment choice comes with responsibility. And the broader the investment menu, the greater the need for effective oversight. Speaking at the 2026 FSC Retirement Summit, APRA Deputy Chair David Bradbury outlined proposed reforms to strengthen investment governance across the superannuation industry. It is clear that platform trustees are likely to feel the greatest impact. The reason is straightforward. Platforms offer extensive investment choice, often involving complex
Julia Vojkovic
Oct 273 min read
Advice Reviews Aren't About Finding Fault
One of the biggest misconceptions about advice reviews is that they're designed to catch advisers out.
Eloise Somerford
Jul 11 min read
AUSTRAC's Item 54 Update: What Financial Advisers with Discretionary Authority Need to Know
On 12 June 2026, AUSTRAC updated its guidance on exemptions from AML/CTF obligations for businesses providing only item 54 designated services. For most financial advisers, this guidance appears routine. For advisers who exercise discretionary investment authority over client portfolios, including MDA operators, it is anything but.
Shelly Radford
Jun 176 min read
Tranche 2 is Coming: Are You Ready?
From 1 July 2026, Australia's anti-money laundering and counter-terrorism financing (AML/CTF) regime will expand significantly, bringing a range of professional services and businesses into scope.
Shelly Radford
Jun 31 min read
FSC Standard No. 31: The End of Passive Platform Governance
FSC Standard 31 formalises how platforms must oversee investments and advisers. This article breaks down what’s changed and what it means in practice.
Eloise Somerford
Apr 174 min read
OAIC Clarifies ID Document Retention: Destroy or De-Identify as Soon as Practicable
New OAIC guidance on ID document retention has implications for AML/CTF compliance. Advisers need to reassess when and why client ID documents are retained.
Shelly Radford
Apr 153 min read
ASIC Report 781: Adviser Oversight for Super Trustees & Investment Platforms | Regi781 by 3Lines
Learn how super trustees and investment platforms can operationalise ASIC Report 781 with structured adviser monitoring, red flag frameworks and evidence-based oversight.
Julia Vojkovic
Apr 103 min read
AML/CTF Transitional Rules Are Now in Effect: What AFSLs Need to Know
The transitional rules address several key areas of the AML/CTF reforms, providing structured relief while maintaining the integrity of Australia's financial crime prevention framework.
Julia Vojkovic
Mar 307 min read
AUSTRAC Amends AML/CTF Rules at the 11th Hour: What You Need to Know
AUSTRAC has made targeted amendments to the Anti‑Money Laundering and Counter‑Terrorism Financing Rules 2025 (AML/CTF Rules), following their initial tabling in Parliament on 29 August 2025. These changes aim to fully operationalise the Act and Rules, correct newly discovered issues, and reduce administrative burden for reporting entities. What Has Changed? The amendments to the AML/CTF Rules address three key areas: reporting groups, technical corrections, and exemptions. He
Shelly Radford
Mar 255 min read
ASIC Launches Financial Complaints Data Dashboard: What It Means for Financial Services Firms
ASIC has launched a new interactive Internal Dispute Resolution (IDR) data dashboard, giving the public unprecedented access to complaints data across the financial services industry.
Eloise Somerford
Mar 244 min read
AUSTRAC Issues Wake-Up Call to Wealth Management Sector Over AML/CTF Compliance Failures
AUSTRAC has concluded a supervisory campaign targeting the Wealth Management sector, and the findings paint a concerning picture of widespread AML/CTF compliance gaps.
Eloise Somerford
Mar 243 min read
Why We Paused Building Our AI Advice Review Tool (And Why We Restarted)
3Lines co-founders Julia Vojkovic and Eloise Somerford recently sat down with Pat from the Ensombl community for their third AdviceTech conversation.
3Lines Platform
Mar 132 min read
Build, send and manage custom Attestations
3Lines Platform today announces the launch of its new Attestations Module including a
powerful Attestation Builder designed for Australian Financial Services Licensees managing
increasing regulatory and governance expectations.
3Lines Platform
Jan 301 min read
AML/CTF program quick guide for financial planners
AUSTRAC has released an AML/CTF program quick guide for financial planners ahead of the upcoming regulatory changes.
This quick guide outlines the key components of an AML/CTF program.
3Lines Platform
Jan 213 min read
It's Been a Wild Ride
What a year. 2025 has been one of those seasons that somehow felt six months long and six years long at the same time. Between school runs, daycare drops, the usual family chaos, and trying to remember which bag has three separate lunchboxes and which one has laptop… we’ve kept pushing 3Lines Platform forward, helping clients navigate what has honestly been one of the most relentless periods of regulatory change we’ve seen. But there have been some real highlights too: ✨ At
3Lines Platform
Dec 20, 20253 min read
ASIC issues final warning for urgent action from financial advice industry
Financial advisers who are existing providers and intend to provide personal advice to retail clients about relevant financial products after 31 December 2025, must ensure they meet the requirements.
3Lines Platform
Dec 1, 20252 min read
ASIC publishes updated IDR data reporting handbook
ASIC has released an update to the Internal Dispute Resolution (IDR) data reporting handbook to reflect recent legislative and regulatory changes in the Buy now, pay later (BNPL) and digital asset sectors.
3Lines Platform
Dec 1, 20251 min read
Take oversight beyond the one-dimensional compliance calendar
3Lines Platform launches Obligations Library Designed to take oversight beyond the one-dimensional compliance calendar. What is the Obligations Library? It’s a three-tier framework that bridges the gap between what the law dictates and what actually happens in your business. - Obligations - record your firm's obligations, building your compliance framework. - Controls - link your controls directly to each obligation to demonstrate oversight. - Tasks - need a reminder? As
3Lines Platform
Oct 29, 20251 min read
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