Apate Presents:

Preparing for SPF Enforcement
(Banking Edition)

This report maps the obligations of the Australian Scam Prevention Framework to the practical realities Australian banks will face as enforcement approaches.

It breaks down each SPF principle, key timelines, and evidence expectations, with a focus on how actionable scam intelligence triggers investigation, disruption, reporting, and response obligations in practice.

The guide helps banking leaders understand how SPF enforcement will assess actions taken once actionable scam intelligence exists, including the evidence required to demonstrate compliance. It also outlines how Apate provides actionable scam intelligence and supporting artefacts that banks can rely on across the scam lifecycle.