Australia

Depuis

3 juin 2025

Catégorie

Restrictions sur les actifs réels

Sévérité

1 sur 3

Ajoute 0,8 points à l’indice

On 3 June 2025 AUSTRAC placed conditions on crypto ATM operators' registrations, including a $5,000 limit on cash deposits and withdrawals, enhanced customer due diligence, mandatory scam warnings and stronger transaction monitoring, and refused to renew one operator's registration. It said it expects other exchanges that accept cash for crypto to consider similar limits. The AML/CTF Act lets the AUSTRAC CEO attach conditions to a virtual asset service provider's registration, including on the value of virtual assets or money exchanged.

Pourquoi cette mesure compte : Caps how much physical cash can be converted into or out of crypto through the main anonymous on-ramp, narrowing a route for moving savings outside the banking system.

Depuis

1 avr. 2025

Catégorie

Restrictions sur les actifs réels

Sévérité

1 sur 3

Ajoute 0,8 points à l’indice

Since 1 April 2025 foreign persons, including temporary residents and foreign-owned companies, are barred from buying established dwellings unless an exception applies; the 2026-27 Budget extended the ban, originally for two years, by two years and three months to 30 June 2029. Purchases of Australian land by foreign persons are notifiable actions under the Foreign Acquisitions and Takeovers Act, and foreign owners pay a vacancy fee on dwellings occupied for fewer than 183 days a year.

Pourquoi cette mesure compte : Closes the existing-housing market to non-resident and temporary-resident capital and taxes under-use of foreign-owned homes; it curbs a real-asset store of value rather than steering domestic savings.

Depuis

mars 2020

Catégorie

Financement par la banque centrale

Sévérité

1 sur 3

Ajoute 3,2 points à l’indice

From March 2020 the RBA bought Australian Government Securities to hold a three-year yield target (discontinued on 2 November 2021) and, under its bond purchase program, acquired almost $224 billion of AGS and $57 billion of semis between November 2020 and February 2022, taking its share of AGS outstanding to around 35 per cent. Purchases ceased on 10 February 2022; in May 2022 the Board decided not to reinvest maturing bonds and said it had no plans to sell.

Pourquoi cette mesure compte : The central bank still holds a large stock of government and state bonds bought at pandemic-era yields and lets it run off only as bonds mature, keeping that debt off the private market for years.

Depuis

1 nov. 2019

Catégorie

Restrictions sur les actifs réels

Sévérité

1 sur 3

Ajoute 0,8 points à l’indice

In the Australian Capital Territory a rent increase may not exceed an amount prescribed by regulation unless the tenant agrees in writing or the tribunal (ACAT) approves; the regulation sets the cap at 1.1 times the current rent multiplied by the growth in the rents subgroup of the Canberra CPI since the last increase. The cap applies from 1 November 2019, and section 64AAA of the Act also limits increases to intervals of at least 12 months.

Pourquoi cette mesure compte : Holds landlords' rental returns to inflation-linked growth, capping the income return on residential property held as savings.

Depuis

1 juil. 2015

Catégorie

Restrictions sur les actifs réels

Sévérité

1 sur 3

Ajoute 0,8 points à l’indice

States levy extra duty on foreign buyers of residential property on top of ordinary transfer duty: New South Wales charges surcharge purchaser duty at 9% of dutiable value, and Victoria charges foreign purchaser additional duty at 8% for contracts from 1 July 2019 (3% when introduced on 1 July 2015, then 7% from 1 July 2016).

Pourquoi cette mesure compte : Raises the cost for non-resident savers of holding Australian housing, segmenting the property market by residency on top of the federal screening regime.

Depuis

janv. 2015

Catégorie

Biais prudentiel en faveur de la dette souveraine

Sévérité

2 sur 3

Ajoute 4,0 points à l’indice

Under APRA's APS 210, marketable sovereign securities with a zero risk weight count as HQLA1 at market value with no haircut and without limit; in Australian dollars only Australian Government Securities and state/territory borrowing-authority bonds (semis) qualify. APS 112 lets banks risk-weight Australian Government exposures in Australian dollars at zero per cent. The RBA's Committed Liquidity Facility, which had let banks meet the LCR without holding these bonds, was phased out to zero on 1 January 2023.

Pourquoi cette mesure compte : With the CLF gone, large banks must hold government and state bonds (or RBA balances) to meet the LCR, building a captive domestic bank bid for public debt at little capital cost.

Depuis

8 avr. 2026

Catégorie

Contrôle des capitaux

Sévérité

1 sur 3

Compte uniquement dans les perspectives : ajoute 3,2 points dès son application

The Corporations Amendment (Digital Assets Framework) Act 2026 (Royal Assent 8 April 2026) makes digital asset platforms and tokenised custody platforms financial products, so their operators generally need an Australian Financial Services Licence. Small platforms are exempt if transactions through them stay at or under $10 million in 12 months and each client's holdings stay at or under $5,000. The Act commences 12 months after Royal Assent (8 April 2027 per the register's commencement table), followed by a six-month transition period.

Pourquoi cette mesure compte : Brings crypto custody and exchange inside the financial-services licensing perimeter, so platforms serving Australians must be licensed and supervised, which narrows unregulated routes for holding savings outside the banking system.

Depuis

15 oct. 2026

Catégorie

Contrôle des capitaux

Sévérité

2 sur 3

Non pris en compte dans l’indice

On 15 October 2026 Treasury released an exposure draft, the Treasury Laws Amendment Bill 2026: Tax Information Reporting (consultation to 28 October 2026), that would put the OECD Crypto-Asset Reporting Framework into Australian law and create a domestic crypto reporting regime requiring virtual asset service providers to report Australian tax residents' transactions to the Commissioner. Domestic reporting is intended to be quarterly from 1 July 2027, with the first international exchanges in the 2028 calendar year.

Pourquoi cette mesure compte : Gives the tax authority transaction-level visibility of residents' crypto holdings at home and abroad, removing crypto as an unreported store of savings outside the banking system.

Depuis

19 sept. 2019

Catégorie

Restrictions sur les actifs réels

Sévérité

1 sur 3

Non pris en compte dans l’indice

The Currency (Restrictions on the Use of Cash) Bill 2019 would have made it an offence for entities to make or accept cash payments of $10,000 or more. It passed the House of Representatives on 24 October 2019, and the Senate Economics Legislation Committee recommended it be passed, but it was discharged from the Senate Notice Paper on 3 December 2020 and its status is 'Not Proceeding'. Australia has no general cash payment limit.

Pourquoi cette mesure compte : Had it passed, it would have limited large cash settlements and pushed payments into the banking system, removing an exit from bank deposits; its failure leaves cash use unrestricted.