File Image | Image Credit: Australian Communications and Media Authority (ACMA)

Latitude Finance Australia (Latitude) has been fined $3.96 million after the Australian Communications and Media Authority (ACMA) discovered the company committed over 2.7 million breaches of Australia’s spam laws. The violations occurred between March 2024 and April 2025, where Latitude sent out more than 2.3 million marketing messages without proper contact details, and over 344,000 of these messages lacked a functioning unsubscribe option.

This penalty marks the second time ACMA has taken action against Latitude for similar infractions. In 2022, the company faced a $1.55 million fine for comparable breaches. The repeat offenses and the sizable penalty underscore the company’s ongoing struggles with compliance, despite previous enforcement actions and a court-enforceable undertaking to improve their adherence to spam laws.

ACMA member Samantha Yorke expressed disappointment in Latitude’s repeated failures, emphasizing that the spam laws have been clear and in force for over two decades. The recent enforcement includes a mandate for Latitude to hire an independent consultant to review its compliance practices thoroughly and to report regularly to ACMA. Yorke affirmed that ACMA would closely monitor Latitude’s adherence to these new obligations to prevent further consumer letdowns.