US Bank Secrecy Act / FinCEN — AML Program, CDD & SAR Requirements
US Bank Secrecy Act / FinCEN — AML Program, CDD & SAR Requirements — 50% covered.
4 requirements · 0 enforced · 4 designed · 0 advisory · 0 deferred.
Source: The US Bank Secrecy Act (31 U.S.C. 5311 et seq.) and FinCEN's implementing regulations (31 CFR Chapter X) require covered financial institutions to maintain a risk-based AML program (31 U.S.C. 5318(h)), perform customer due diligence and beneficial-ownership identification (the FinCEN CDD Rule, 31 CFR 1010.230), file Suspicious Activity Reports (SARs) for suspicious transactions (31 CFR 1020.320 and parallel provisions), and keep records. KYE Protocol(TM) governs WHETHER an AI agent's AML action may proceed at the action boundary - alert triage, sanctions screening, SAR drafting, KYC/CDD - under a named compliance officer's / BSA officer's authority, with due diligence recorded before the action and replay-provable provenance, and section-36 two-person sign-off on the consequential SAR filing. KYE does not run transaction-monitoring models, does not decide whether a transaction is truly suspicious, and does not replace the institution's BSA/AML program. · License: The Bank Secrecy Act and FinCEN regulations are US federal law published under the US Government; KYE registry cites their sections for mapping purposes.
By category
| Category | Reqs | Enforced | Designed | Advisory | Deferred | Coverage |
|---|---|---|---|---|---|---|
| AML program (31 U.S.C. 5318(h)) | 1 | 0 | 1 | 0 | 0 | 50% |
| Customer due diligence & beneficial ownership (CDD Rule) | 1 | 0 | 1 | 0 | 0 | 50% |
| Suspicious Activity Reporting (SAR) | 1 | 0 | 1 | 0 | 0 | 50% |
| Record-keeping | 1 | 0 | 1 | 0 | 0 | 50% |
Every requirement → the KYE™ artefact that enforces it
| ID | Title | Status | KYE™ enforcement |
|---|---|---|---|
us-bsa-fincen.aml-program-5318h |
AML program (31 U.S.C. 5318(h)): an AI AML action proceeds only under a recorded named-authority decision | designed | rule_packs: kye:rule-pack:aml-financial-crimesdictionaries: internalconstitution_refs: constitution/12-PURPOSE-PERMISSION.md |
us-bsa-fincen.cdd-beneficial-ownership |
Customer due diligence & beneficial ownership (CDD Rule, 31 CFR 1010.230): CDD result recorded before an AI KYC/CDD action proceeds | designed | rule_packs: kye:rule-pack:aml-financial-crimesdictionaries: internalconstitution_refs: constitution/12-PURPOSE-PERMISSION.md |
us-bsa-fincen.sar-filing |
Suspicious Activity Reporting (SAR, 31 CFR 1020.320): the SAR filing is the killer consequential action requiring section-36 two-person sign-off | designed | rule_packs: kye:rule-pack:aml-financial-crimesconstitution_refs: constitution/36-GOVERNEDUI.md |
us-bsa-fincen.record-keeping |
Record-keeping (31 CFR Chapter X): a replay-provable provenance pin preserves the AI AML decision lineage | designed | rule_packs: kye:rule-pack:aml-financial-crimesdictionaries: internalconstitution_refs: constitution/13-RESILIENCE-LOOP.md |