Country

• Laws
• Regulators

Argentina

• Law No. 25,246 on Concealment and Laundering of Criminal Proceeds, as amended; Law No. 26,683; Financial Information Unit resolutions; sector-specific AML rules
• Financial Information Unit (UIF); Central Bank of the Argentine Republic (BCRA); National Securities Commission (CNV); Superintendency of Insurance; Federal tax authority, where applicable

Australia

• Anti-Money Laundering and Counter-Terrorism Financing Act 2006; AML/CTF Rules; AML/CTF Amendment Act 2024 and phased reforms
• Australian Transaction Reports and Analysis Centre (AUSTRAC) as AML/CTF regulator and FIU; Department of Home Affairs; Australian Securities and Investments Commission (ASIC) and Australian Prudential Regulation Authority (APRA) in their sectoral roles

Brazil

• Law No. 9,613/1998, as amended, on money laundering; Law No. 12,683/2012; Financial Activities Control Council regulations; sectoral rules
• Council for Financial Activities Control (COAF) / FIU; Central Bank of Brazil (BCB); Securities and Exchange Commission of Brazil (CVM); Superintendence of Private Insurance (SUSEP); other sectoral supervisors

Canada

• Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA); Proceeds of Crime (Money Laundering) and Terrorist Financing Regulations; Criminal Code terrorist-financing provisions
• Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) / FIU and AML supervisor; Office of the Superintendent of Financial Institutions (OSFI); provincial securities, gaming, and other sectoral regulators

Chile

• Law No. 19,913, establishing the Financial Analysis Unit and AML reporting obligations; criminal-law AML offenses; sectoral rules
• Financial Analysis Unit (UAF) / FIU; Commission for the Financial Market (CMF); Internal Revenue Service; Public Ministry / prosecutors

China

• Anti-Money Laundering Law of the People’s Republic of China; People’s Bank of China AML rules; Criminal Law money-laundering offenses; sectoral financial rules
• People’s Bank of China (PBOC) and its AML function/FIU; National Financial Regulatory Administration (NFRA); China Securities Regulatory Commission (CSRC); State Administration of Foreign Exchange (SAFE); public-security and prosecutorial bodies

Colombia

• Criminal Code money-laundering provisions; Law 526 of 1999 creating the UIAF; sectoral AML/CTF requirements, including corporate SAGRILAFT requirements where applicable
• Financial Information and Analysis Unit (UIAF) / FIU; Financial Superintendency of Colombia; Superintendency of Companies; National Tax and Customs Directorate (DIAN); Office of the Attorney General

Egypt

• Anti-Money Laundering Law No. 80 of 2002, as amended; Executive Regulations; Counter-Terrorism Law and related counter-terrorist-financing measures
• Egyptian Money Laundering and Terrorist Financing Combating Unit (EMLCU) / FIU; Central Bank of Egypt (CBE); Financial Regulatory Authority (FRA); Public Prosecution

Ecuador

• Organic Law for the Prevention, Detection, and Eradication of the Crime of Money Laundering and Financing of Crimes; implementing regulations; criminal-law provisions
• Financial and Economic Analysis Unit (UAFE) / FIU; Superintendency of Banks; Superintendency of Companies, Securities and Insurance; Attorney General’s Office

France

• Monetary and Financial Code AML/CFT provisions; EU AML directives and regulations; Criminal Code money-laundering provisions; sectoral requirements
• TRACFIN / FIU; Autorité de Contrôle Prudentiel et de Résolution (ACPR); Autorité des Marchés Financiers (AMF); Directorate General for Competition, Consumer Affairs and Fraud Prevention (DGCCRF); professional supervisory bodies

Germany

• Anti-Money Laundering Act (Geldwäschegesetz or GwG); German Criminal Code; EU AML framework; sectoral regulations
• Financial Intelligence Unit Germany; Federal Financial Supervisory Authority (BaFin); federal-state supervisory authorities for designated nonfinancial businesses and professions; public prosecutors and law-enforcement authorities

Hong Kong

• Anti-Money Laundering and Counter-Terrorist Financing Ordinance (AMLO, Cap. 615); Organized and Serious Crimes Ordinance; Drug Trafficking (Recovery of Proceeds) Ordinance; United Nations (Anti-Terrorism Measures) Ordinance
• Hong Kong Monetary Authority (HKMA); Securities and Futures Commission (SFC); Insurance Authority; Customs and Excise Department; Joint Financial Intelligence Unit (JFIU); Companies Registry for certain trust/company service providers

India

• Prevention of Money-laundering Act 2002 (PMLA); Prevention of Money-laundering Rules 2005; sectoral KYC/AML directions
• Enforcement Directorate (ED); Financial Intelligence Unit–India (FIU-IND); Reserve Bank of India (RBI); Securities and Exchange Board of India (SEBI); Insurance Regulatory and Development Authority of India (IRDAI); Ministry of Finance

Indonesia

• Law No. 8 of 2010 on Prevention and Eradication of Money Laundering; counter-terrorist-financing legislation; implementing and sectoral regulations
• Indonesian Financial Transaction Reports and Analysis Center (PPATK) / FIU; Financial Services Authority (OJK); Bank Indonesia; Ministry of Finance; law-enforcement bodies

Ireland

• Criminal Justice (Money Laundering and Terrorist Financing) Acts 2010–2021; EU AML framework; Criminal Justice (Terrorist Offences) Acts
• Central Bank of Ireland; Financial Intelligence Unit Ireland / Garda National Economic Crime Bureau; Department of Justice; designated accountancy, legal, property, and professional-body supervisors

Isreal

• Prohibition on Money Laundering Law, 5760–2000; Prohibition on Terrorist Financing Law, 5765–2004; implementing orders and sectoral requirements
• Israel Money Laundering and Terror Financing Prohibition Authority (IMPA) / FIU; Bank of Israel; Israel Securities Authority; Capital Market, Insurance and Savings Authority; Israel Tax Authority

Italy

• Legislative Decree No. 231/2007, as amended; Italian Criminal Code money-laundering offenses; EU AML framework
• Financial Intelligence Unit for Italy (UIF) within the Bank of Italy; Bank of Italy; Commissione Nazionale per le Società e la Borsa (CONSOB); Institute for the Supervision of Insurance (IVASS); Guardia di Finanza; Ministry of Economy and Finance

Japan

• Act on Prevention of Transfer of Criminal Proceeds; Act on Punishment of Organized Crimes and Control of Crime Proceeds; Act on Punishment of Financing of Offences of Public Intimidation
• Japan Financial Intelligence Center (JAFIC) / FIU; Financial Services Agency (FSA); Ministry of Finance; National Police Agency; sector-specific supervisory authorities

Kenya

• Proceeds of Crime and Anti-Money Laundering Act 2009 (POCAMLA); Prevention of Terrorism Act; POCAMLA Regulations; sectoral requirements
• Financial Reporting Centre (FRC) / FIU; Central Bank of Kenya (CBK); Capital Markets Authority (CMA); Insurance Regulatory Authority (IRA); SACCO Societies Regulatory Authority (SASRA); Directorate of Criminal Investigations and public prosecutors.

Luxembourg

• Law of 12 November 2004 on the fight against money laundering and terrorist financing, as amended; EU AML framework; CSSF and other implementing regulations
• Financial Intelligence Unit Luxembourg (CRF); Commission de Surveillance du Secteur Financier (CSSF); Commissariat aux Assurances (CAA); Registration Duties, Estates and VAT Authority (AED); professional supervisory bodies. EU AMLA will begin direct supervision of selected entities in 2028.

Malaysia

• Anti-Money Laundering, Anti-Terrorism Financing and Proceeds of Unlawful Activities Act 2001 (AMLA); Anti-Terrorism Financing Act 2015; sectoral AML/CFT policy documents
• Bank Negara Malaysia (BNM) / FIU and primary AML/CFT authority; Securities Commission Malaysia; Labuan Financial Services Authority; Ministry of Domestic Trade and Cost of Living for certain designated nonfinancial businesses

Morocco

• Law No. 43-05 on combating money laundering, as amended; counter-terrorist-financing amendments; implementing regulations
• National Financial Intelligence Authority (ANRF) / FIU; Bank Al-Maghrib; Moroccan Capital Market Authority (AMMC); Insurance and Social Welfare Supervisory Authority (ACAPS); judicial and law-enforcement bodies

Netherlands

• Anti-Money Laundering and Anti-Terrorist Financing Act (Wwft); Sanctions Act 1977; Dutch Criminal Code; EU AML framework
• Financial Intelligence Unit–Netherlands (FIU-Nederland); Dutch Central Bank (DNB); Netherlands Authority for the Financial Markets (AFM); Bureau of Financial Supervision (BFT); Dutch Gaming Authority; other professional supervisors

New Zealand

• Anti-Money Laundering and Countering Financing of Terrorism Act 2009; AML/CFT Regulations; Terrorism Suppression Act
• Department of Internal Affairs (DIA) is the sole AML/CFT supervisor from July 1, 2026; New Zealand Police Financial Intelligence Unit; New Zealand Customs Service for cross-border-cash controls.

Nigeria

• Money Laundering (Prevention and Prohibition) Act 2022; Terrorism (Prevention and Prohibition) Act 2022; CBN and other sectoral AML/CFT regulations
• Nigerian Financial Intelligence Unit (NFIU); Economic and Financial Crimes Commission (EFCC); Central Bank of Nigeria (CBN); Securities and Exchange Commission; National Insurance Commission; Corporate Affairs Commission.

Panama

• Law 23 of 2015, adopting measures to prevent money laundering, terrorist financing, and proliferation financing; sector-specific regulations
• Financial Analysis Unit (UAF Panama) / FIU; Superintendency of Banks of Panama; Superintendency of the Securities Market; Superintendency of Insurance and Reinsurance; Ministry of Economy and Finance

Peru

• Law No. 27693 creating the Financial Intelligence Unit; Law No. 29038; Criminal Code money-laundering offenses; implementing regulations
• Financial Intelligence Unit–Peru (UIF-Perú) within the Superintendency of Banking, Insurance and Private Pension Fund Administrators (SBS); Public Ministry; National Superintendency of Customs and Tax Administration (SUNAT); other sectoral supervisors

Philippines

• Anti-Money Laundering Act of 2001, Republic Act No. 9160, as amended; Terrorism Financing Prevention and Suppression Act, Republic Act No. 10168
• Anti-Money Laundering Council (AMLC) / FIU; Bangko Sentral ng Pilipinas (BSP); Securities and Exchange Commission; Insurance Commission. The AMLC was created pursuant to RA 9160.

Saudi Arabia

• Anti-Money Laundering Council (AMLC) / FIU; Bangko Sentral ng Pilipinas (BSP); Securities and Exchange Commission; Insurance Commission. The AMLC was created pursuant to RA 9160.
• Saudi Financial Intelligence Unit (SAFIU) / FIU; Saudi Central Bank (SAMA); Capital Market Authority (CMA); Ministry of Commerce; Public Prosecution; other competent supervisory authorities

Singapore

• Corruption, Drug Trafficking and Other Serious Crimes (Confiscation of Benefits) Act; Terrorism (Suppression of Financing) Act; Monetary Authority of Singapore AML/CFT Notices and Guidelines
• Monetary Authority of Singapore (MAS) / principal financial-sector AML regulator and supervisory authority; Suspicious Transaction Reporting Office (STRO) / FIU within the Singapore Police Force; Accounting and Corporate Regulatory Authority (ACRA) for certain corporate-service providers

South Africa

• Financial Intelligence Centre Act 38 of 2001 (FICA); Prevention of Organised Crime Act; Protection of Constitutional Democracy Against Terrorist and Related Activities Act; FIC directives and guidance
• Financial Intelligence Centre (FIC) / FIU; Prudential Authority; Financial Sector Conduct Authority (FSCA); South African Revenue Service (SARS); National Gambling Board; Estate Agency Affairs Board / Property Practitioners Regulatory Authority; other supervisory bodies

South Korea

• Act on Reporting and Using Specified Financial Transaction Information; Proceeds of Crime Act; Terrorism Financing Prohibition Act; Financial Intelligence Unit regulations
• Korea Financial Intelligence Unit (KoFIU) / FIU; Financial Services Commission (FSC); Financial Supervisory Service (FSS); Korea Customs Service; National Police Agency; prosecution authorities

Spain

• Law 10/2010 on the Prevention of Money Laundering and Terrorist Financing; Royal Decree 304/2014; Criminal Code; EU AML framework
• Executive Service of the Commission for the Prevention of Money Laundering and Monetary Offences (SEPBLAC) / FIU and supervisory body; Bank of Spain; National Securities Market Commission (CNMV); Directorate-General for Insurance and Pension Funds; professional supervisors

Switzerland

• Federal Act on Combating Money Laundering and Terrorist Financing (AMLA); Anti-Money Laundering Ordinance; Swiss Criminal Code; FINMA AML Ordinance
• Swiss Financial Market Supervisory Authority (FINMA); Money Laundering Reporting Office Switzerland (MROS) / FIU; self-regulatory organizations (SROs); Federal Office of Justice and criminal-prosecution authorities

Thailand

• Anti-Money Laundering Act B.E. 2542 (1999), as amended; Counter-Terrorist Financing Act; Bank of Thailand and sectoral AML rules
• (1999), as amended; Counter-Terrorist Financing Act; Bank of Thailand and sectoral AML rulesAnti-Money Laundering Office (AMLO) / FIU and principal AML enforcement agency; Bank of Thailand (BOT); Securities and Exchange Commission; Office of Insurance Commission.

Türkiye

• Law No. 5549 on Prevention of Laundering Proceeds of Crime; Law No. 6415 on the Prevention of Financing of Terrorism; MASAK regulations; Turkish Criminal Code
• Financial Crimes Investigation Board (MASAK) / FIU; Banking Regulation and Supervision Agency (BDDK); Capital Markets Board (SPK); Insurance and Private Pension Regulation and Supervision Agency; Ministry of Treasury and Finance

United Arab Emirates

• Federal Decree-Law No. 20 of 2018 on AML/CFT and Financing of Illegal Organizations, as amended; Cabinet Decision No. 10 of 2019; federal and free-zone regulatory rules
• UAE Financial Intelligence Unit (UAE FIU); Central Bank of the UAE (CBUAE); Securities and Commodities Authority (SCA); Ministry of Economy; Dubai Financial Services Authority (DFSA) for DIFC firms; Financial Services Regulatory Authority (FSRA) for ADGM firms

United Kingdom

• Proceeds of Crime Act 2002 (POCA); Terrorism Act 2000; Money Laundering, Terrorist Financing and Transfer of Funds Regulations 2017 (MLRs); Sanctions and Anti-Money Laundering Act 2018
• Financial Conduct Authority (FCA); HM Revenue & Customs (HMRC); National Crime Agency (NCA) / UK Financial Intelligence Unit; Office for Professional Body AML Supervision (OPBAS); Prudential Regulation Authority (PRA); Gambling Commission and professional-body supervisors

United States

• Bank Secrecy Act (BSA); USA PATRIOT Act; Anti-Money Laundering Act of 2020; Corporate Transparency Act; FinCEN regulations; federal criminal money-laundering statutes
• Financial Crimes Enforcement Network (FinCEN) / FIU and BSA administrator; Office of the Comptroller of the Currency (OCC); Federal Reserve; Federal Deposit Insurance Corporation (FDIC); Securities and Exchange Commission (SEC); Commodity Futures Trading Commission (CFTC); Internal Revenue Service (IRS); state regulators and federal law-enforcement agencies

Vietnam

• Law on Anti-Money Laundering 2022, No. 14/2022/QH15; State Bank implementing regulations, including Circular 27/2025/TT-NHNN; counter-terrorist-financing provisions
• State Bank of Vietnam (SBV); SBV Anti-Money Laundering Department / FIU; Ministry of Public Security; Ministry of Finance and sectoral supervisors.