澳大利亚金融犯罪监管机构Austrac与Fintel Alliance（包括澳大利亚最大银行的联盟）联合调查发现，可能有数亿澳元的疑似欺诈贷款由人工智能生成的虚假文件支撑1。这些欺诈案件涉及虚假工资单和虚假公司文件，主要与悉尼房产相关1。
Austrac主任Brendan Thomas表示，"这种活动的规模应该是对所有贷款人的警醒"1。
澳大利亚银行协会首席执行官Simon Birmingham批评现有做法，称依赖工资单作为收入验证手段是"数字时代的陈旧做法"，并呼吁"尽快"进行改革1。银行界倡议政府改革传统的收入验证方式，允许税务局与金融机构安全共享客户数据以替代易被伪造的工资单1。
政府在预算中已承诺投入6200万澳元用于推进消费者数据权，包括探索税务局数据共享系统1。澳大利亚抵押贷款市场总规模约为2.6万亿澳元1。
Australian financial crime regulator Austrac, working with Fintel Alliance—a coalition of the country's largest banks—has uncovered what appears to be hundreds of millions of dollars in suspicious fraudulent loans supported by artificial intelligence-generated fake payslips and corporate documents.1 The scheme primarily targets Sydney property purchases, exposing how criminal actors are leveraging AI technology to accelerate mortgage fraud at scale.1
Brendan Thomas, the head of Austrac, emphasized the severity of the discovery, stating that "the scale of this activity should be a wake-up call for all lenders."1 The fraudulent lending represents a significant challenge within Australia's mortgage market, which totals approximately 2.6 trillion Australian dollars.1 Banking industry leaders have responded by urging government reform to modernize income verification processes. Simon Birmingham, chief executive of the Australian Bankers' Association, called the dependence on payslips "an antiquated practice for the digital era" and called for reform to occur "as soon as possible."1
To address the vulnerability, the banking sector has advocated for allowing the tax office to securely share customer data with lenders as an alternative to easily forged payslips.1 The government has responded with a budget commitment of 62 million Australian dollars to advance consumer data rights, including exploration of a tax office data-sharing system.1
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