La regulación global de las criptomonedas ha pasado de la teoría a la aplicación real. El Marco de Reporte de Criptoactivos (CARF) de la OCDE y los estándares reforzados para Proveedores de Servicios de Activos Virtuales...more
8/19/2025
/ AML/CFT ,
Anti-Money Laundering ,
Beneficial Owner ,
Blockchain ,
Cryptoassets ,
Cryptocurrency ,
Digital Assets ,
Due Diligence ,
FATF ,
Financial Institutions ,
OECD ,
Regulatory Oversight ,
Regulatory Requirements ,
Reporting Requirements ,
Risk Management
En el entorno actual de cumplimiento de alto riesgo, se espera que las instituciones financieras entreguen más que resultados. Deben demostrar una rendición de cuentas que sea verificable y lista para auditorías. Esto es...more
7/17/2025
/ Anti-Money Laundering ,
Compliance ,
Corporate Governance ,
Due Diligence ,
Financial Institutions ,
Forensic Accounting ,
Fraud ,
Internal Controls ,
Reporting Requirements ,
Risk Management ,
Transparency
In today’s high-stakes compliance environment, financial institutions are expected to deliver more than results. They must demonstrate accountability that is both verifiable and audit-ready. This is especially critical for...more
7/17/2025
/ Anti-Money Laundering ,
Compliance ,
Corporate Governance ,
Due Diligence ,
Financial Institutions ,
Forensic Accounting ,
Fraud ,
Internal Controls ,
Reporting Requirements ,
Risk Management ,
Transparency
icraAs artificial intelligence reshapes financial compliance practices, regulators across Latin America and globally are increasing their scrutiny of AI-based AML tools. This article explores the growing audit gap, and what...more
6/5/2025
/ Anti-Money Laundering ,
Artificial Intelligence ,
Audits ,
Compliance ,
Financial Crimes ,
Financial Institutions ,
FinTech ,
Latin America ,
Nicaragua ,
Regulatory Oversight ,
Regulatory Requirements ,
Risk Management ,
Venezuela
On 1/8/25, the National Taxpayer Advocate (NTA) published its 2024 Annual Report to Congress and identified taxpayers’ problems and provided suggestions to further protect taxpayer rights and ease taxpayer burden. “By law,...more
1/28/2025
/ Anti-Money Laundering ,
Bank Secrecy Act ,
Compliance ,
FATCA ,
FinCEN ,
Internal Revenue Code (IRC) ,
IRS ,
Reporting Requirements ,
Tax Reform ,
Tax Returns ,
U.S. Treasury
On 11/13/24, FinCEN issued an alert aimed at assisting financial institutions in recognizing fraudulent schemes linked to the utilization of deepfake media generated by generative artificial intelligence (GenAI) tools. The...more
12/9/2024
/ Anti-Money Laundering ,
Artificial Intelligence ,
Bank Secrecy Act ,
Deep Fake ,
FinCEN ,
Fraud ,
Machine Learning ,
Personally Identifiable Information ,
Popular ,
Suspicious Activity Reports (SARs) ,
Terrorism Funding
On 10/10/24, FinCEN assessed a record $1.3 billion penalty against TD Bank for BSA violations. This unprecedented penalty should function as a cautionary message and a warning to all financial institutions. All financial...more
11/5/2024
/ AML/CFT ,
Anti-Money Laundering ,
Bank Secrecy Act ,
BSA/AML ,
Civil Monetary Penalty ,
Compliance ,
Currency Transaction Reports (CTR) ,
Financial Institutions ,
FinCEN ,
Popular ,
Suspicious Activity Reports (SARs) ,
Training
FinCEN seeks to safeguard residential real estate as evidenced by the issuance of the Final Residential Real Estate Rule issued 8/28/24 and taking effect on 12/1/25. The Final Rule requires “certain” industry professionals...more
10/8/2024
/ Anti-Money Laundering ,
Bank Secrecy Act ,
Beneficial Owner ,
Cash Transactions ,
Condominiums ,
FinCEN ,
Popular ,
Real Estate Transfers ,
Reporting Requirements ,
Residential Real Estate Contracts ,
Single Family Housing ,
Suspicious Activity Reports (SARs)
FinCEN seeks to safeguard the investment adviser sector from illicit finance as evidenced by the issuance of the Final Investment Adviser Rule on 8/28/24 with a compliance date of 1/1/26. The investment adviser sector final...more
10/1/2024
/ AML/CFT ,
Anti-Money Laundering ,
Bank Secrecy Act ,
Exempt Reporting Advisers (ERAs) ,
FATF ,
Financial Crimes ,
FinCEN ,
Investment Adviser ,
Registered Investment Advisors ,
Securities and Exchange Commission (SEC) ,
Suspicious Activity Reports (SARs) ,
Terrorism Funding
On August 28, 2024, FinCEN Final New Rules were published that address vulnerabilities in the U.S. financial system and are part of an on going effort to combat illicit finance and protect U.S. national security, as well as...more
9/27/2024
/ AML/CFT ,
Anti-Corruption ,
Anti-Money Laundering ,
BSA/AML ,
Corporate Governance ,
Corruption ,
Cross-Border Transactions ,
FinCEN ,
Investment ,
National Security ,
New Rules ,
Popular ,
Real Estate Transactions ,
Transparency
El 6/29/24, FinCEN, en consulta con la Junta de Gobernadores del Sistema de la Reserva Federal, la Oficina del Contralor de la Moneda, la Corporación Federal de Seguro de Depósitos y la Administración Nacional de Cooperativas...more
On 6/29/24, FinCEN, in consultation with the Board of Governors of the Federal Reserve System, the Office of the Comptroller of the Currency, the Federal Deposit Insurance Corporation, and the National Credit Union...more
Durante la Conferencia Anual contra el Lavado de Dinero de FIBA (“Financial and International Business Association”) celebrada el 18 al 21 de marzo de 2024 en Miami, Florida, la Directora Gacki de FinCEN discutió las...more
During the FIBA’s (Financial and International Business Association’s) annual anti-money laundering conference held from March 18, 2024, to March 21, 2024 in Miami, Florida, Director Gacki from FinCEN discussed regulatory...more
El 02/23/24, el Grupo de Acción Financiera Internacional (GAFI o “FATF”), una entidad intergubernamental independiente que desarrolla políticas para la protección de nuestro sistema financiero global contra el lavado de...more
3/6/2024
/ AML/CFT ,
Anti-Money Laundering ,
Beneficial Owner ,
Corporate Transparency Act ,
FATF ,
FinCEN ,
Foreign Investment ,
Money Laundering ,
Real Estate Transactions ,
Terrorist Financing Regulations ,
Transparency ,
U.S. Treasury
On 2/23/24, the Financial Action Task Force (FATF), an independent inter-governmental entity that develops policies for protection of our global financial system from money laundering, terrorist financing and financing of...more
3/6/2024
/ AML/CFT ,
Anti-Money Laundering ,
Beneficial Owner ,
Corporate Transparency Act ,
FATF ,
FinCEN ,
Foreign Investment ,
Money Laundering ,
Real Estate Transactions ,
Terrorist Financing Regulations ,
Transparency ,
U.S. Treasury
El 15 de febrero de 2024, FinCEN publicó un Aviso de Reglamentación Propuesta (NPRM) que requeriría que ciertos asesores de inversiones (Investment Advisers) apliquen requisitos de ALD/FT conforme con la Ley de Secreto...more
On 2/15/24, FinCEN published a Notice of Proposed Rulemaking (NPRM) that would require certain investment advisers to apply AML/CFT requirements pursuant to the Bank Secrecy Act, including implementing risk-based AML/CFT...more
El 12/21/23, FinCEN emitió una regla final que implementa las disposiciones de acceso y salvaguardia de la Ley de Transparencia Corporativa (CTA) (la “Regla de Acceso”). La Regla de Acceso tiene como objetivo garantizar que:...more
On 12/21/23, FinCEN issued a final rule implementing the access and safeguard provisions of the Corporate Transparency Act (CTA) (the “Access Rule”). The Access Rule aims to ensure that: (1) only BOI authorized recipients...more
El 1/4/24, FinCEN publicó preguntas frecuentes BOI adicionales para incluir nueva información sobre las empresas que reportan, los beneficiarios finales, los solicitantes de empresas, los requisitos de presentación de...more
On 1/4/24, FinCEN published additional BOI FAQ’s to include new information about reporting companies, beneficial owners, company applicants, reporting requirements, and reporting company exemptions, as well as updated...more
El 18 de septiembre del 2023, se publicó la Guía FinCEN BOI para Pequeñas Empresas para asistir a la comunidad de pequeñas empresas a cumplir con la Regla de Presentación de Reportes de información sobre beneficiarios reales...more
On September 18, 2023, the FinCEN BOI Small Business Guide was released to assist the small business community in complying with the beneficial ownership information (BOI) reporting rule that starts January 1, 2024. The...more
On 7/20/ 23, the Board of Governors of the Federal Reserve system announced the launch of the FedNow Service. FedNow is a new instant payment infrastructure developed by the Federal Reserve that is available to depository...more