Bank Secrecy Act and anti-money laundering rules
31 U.S.C. §§ 5311 to 5336; 31 C.F.R. Chapter X · Read 2026-08-15
In force. Financial institutions, including banks and insurers issuing covered products, keep an AML program, file currency transaction and suspicious activity reports and identify beneficial owners.
Identifier
- Identifier
- 31 U.S.C. §§ 5311 to 5336; 31 C.F.R. Chapter X
- Level
- Federal
- Status
- In force
- Adopted
- 1970-10-26
- Applies from
- 1970-10-26
- Supervisory bodies
- FinCEN, OCC, FDIC, Federal Reserve
Named requirements
Anti-money laundering program
Internal policies, a designated compliance officer, ongoing training and independent testing.
Currency transaction reports
31 U.S.C. § 5313; 31 C.F.R. § 1010.311
Report cash transactions above 10,000 dollars.
Suspicious activity reports
Report suspicious transactions relevant to a possible violation of law.
Customer due diligence and beneficial ownership
31 C.F.R. § 1010.230
Identify and verify the beneficial owners of legal entity customers.
AML programs for insurance companies
31 C.F.R. § 1025.210
Insurers issuing covered products maintain an AML program.
Official source
EU acts on the same ground
- amlr
The EU AML regulation sets the same core duties of customer due diligence, beneficial ownership and suspicious transaction reporting for obliged entities.
Change monitoring
The row is re-read against the publisher's own publication on a fixed interval. The dates below can be checked on the spot and travel with the API response.
| Field | Value |
|---|---|
| Register | FinCEN, 31 U.S.C. §§ 5311 to 5336; 31 C.F.R. Chapter X |
| Publisher | U.S. Department of the Treasury, Financial Crimes Enforcement Network |
| Last read | 2026-08-15 |
| Interval | Every 30 days |
| Next re-read | 2026-09-14 |
| Status | Re-read overdue |
Row history
Dated events concerning this exact row, newest first. No event appears here without a date in a primary source.
| Date | Event | Source |
|---|---|---|
| 2026-08-15 | Row read against the official publication | U.S. Department of the Treasury, Financial Crimes Enforcement Network |
| 1970-10-26 | Adopted under 31 U.S.C. §§ 5311 to 5336; 31 C.F.R. Chapter X | U.S. Department of the Treasury, Financial Crimes Enforcement Network |
| 1970-10-26 | Date of application according to the publisher | U.S. Department of the Treasury, Financial Crimes Enforcement Network |
Monitoring states when the row was checked, not how the legal position should be assessed.
Cite this row
The string below travels with a memo, a case file or an agent chain. The same string sits in the citation field of the API response.
31 U.S.C. §§ 5311 to 5336; 31 C.F.R. Chapter X, Bank Secrecy Act and anti-money laundering rules. NovaCopilot, https://legal.exploreworldai.com/us/regler/bank-secrecy-act (hämtad 2026-10-14, bevis sha256:41361a020780c723, bygge legal-2026-10-14).
- sha256:
- 41361a020780c7230a0dd0fe3974941b86a8bc837f5a87599cc1c41da6f0592f
- hämtad:
- 2026-10-14
- source_confidence:
- derived
- bygge:
- legal-2026-10-14
Derived path to the publisher. The address is built from the identifier and lands in the publisher's own register. uscode.house.gov.
The row is a source reference with an official identifier. No legal advice and no compliance decision.
Verifiable trust signals
- Six fixed blocks, one source per line
- No sentence written by a language model
- Engine version and read date on every answer
- No customer data, no documents, no advice
- Model card and audit published under the EU AI Act