Latitude Finance Australia has paid a $3.96 million penalty after the Australian Communications and Media Authority (ACMA) found the company breached Australian spam laws more than 2.7 million times.
The investigation, between March 2024 and April 2025, found Latitude sent more than 2.3 million marketing messages without accurate contact information.
344,416 of these messages were found to lack a working unsubscribe function.
This is the second time the ACMA has taken action against the finance company for spam breaches, fining the company $1.55 million in 2022 for similar offences.
“Latitude is now a two-time offender and it is disappointing that it let consumers down again,” said Samantha Yorke, ACMA member.
“The spam laws have been in place for more than 20 years, and there is simply no excuse for ongoing non‑compliance, particularly after a prior enforcement action.”
The marketing messages promoted Latitude credit card products and financial services. While recipients were told in the messages they could reply ‘STOP’ to unsubscribe, it was found many messages were not capable of unsubscribing in this way.
“Given Latitude’s history of non-compliance, we will be very closely monitoring how it meets its obligations,” said Yorke.
The ACMA has required Latitude to appoint an independent consultant to further review its compliance with spam laws moving forward, and to undertake regular and comprehensive reporting to the ACMA.
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