AML/CFT Regulation : Implications for Financial Service Providers that Serve Low-Income People

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dc.creatorWorld Bank
dc.date2013-02-25T19:59:59Z
dc.date2013-02-25T19:59:59Z
dc.date2005-07
dc.date.accessioned2026-07-01T01:30:31Z
dc.descriptionThis report on anti-money laundering (AML) and combating the financing of terrorism (CFT) regulation addresses the consequences of these regulations on low-income people. The introduction of new or tightened AML/CFT regulations may have the unintended and undesirable consequence of reducing the access of low-income individuals to formal financial services. As a means to avoid this outcome, this paper argues in favor of gradual implementation of new measures; the adoption of a risk-based approach to regulation; and the use of exemptions for low-risk categories of transactions.
dc.formatapplication/pdf
dc.formattext/plain
dc.identifierhttp://documents.worldbank.org/curated/en/2005/07/16277997/amlcft-regulation-implications-financial-service-providers-serve-low-income-people
dc.identifierhttps://hdl.handle.net/10986/12495
dc.identifierhttps://doi.org/10.1596/12495
dc.identifier.urihttp://hdl.handle.net/123456789/418734
dc.languageEnglish
dc.languageen_US
dc.publisherWashington, DC
dc.rightsCC BY 3.0 IGO
dc.rightshttp://creativecommons.org/licenses/by/3.0/igo/
dc.rightsWorld Bank
dc.subjectACCESS TO FINANCIAL SERVICES
dc.subjectACCESS TO SERVICES
dc.subjectACCOUNT HOLDERS
dc.subjectACTS OF TERRORISM
dc.subjectADVERSE EFFECTS
dc.subjectAGRICULTURAL BANKS
dc.subjectALTERNATIVE FINANCIAL INSTITUTIONS
dc.subjectANTI-MONEY LAUNDERING
dc.subjectAUDITS
dc.subjectBANK ACCOUNTS
dc.subjectBANKING RELATIONSHIP
dc.subjectBANKING SERVICES
dc.subjectBANKS
dc.subjectBOND
dc.subjectBUSINESS RELATIONSHIPS
dc.subjectBUSINESS TRANSACTIONS
dc.subjectBUSINESSES
dc.subjectCAPITAL FLOWS
dc.subjectCERTIFICATES
dc.subjectCHARITABLE SECTOR
dc.subjectCLIENT BASE
dc.subjectCLIENT IDENTIFICATION
dc.subjectCLIENT INFORMATION
dc.subjectCOLLATERAL
dc.subjectCOMMERCIAL BANK
dc.subjectCOMMERCIAL BANKS
dc.subjectCOMMERCIAL FUNDING
dc.subjectCOMMERCIAL TRANSACTIONS
dc.subjectCOMMODITY
dc.subjectCOMMUNITY BANKS
dc.subjectCOMPLIANCE COSTS
dc.subjectCONSUMER CREDIT
dc.subjectCONVENTIONAL BANKS
dc.subjectCOOPERATIVES
dc.subjectCORRUPTION
dc.subjectCREDIT INSTITUTIONS
dc.subjectCREDIT UNIONS
dc.subjectCRIMINAL LIABILITY
dc.subjectCRIMINAL PURPOSES
dc.subjectCURRENCY
dc.subjectCURRENT LAWS
dc.subjectCUSTOMER IDENTIFICATION
dc.subjectDEBIT CARDS
dc.subjectDENIAL OF ACCESS
dc.subjectDEPOSIT
dc.subjectDEPOSITORY
dc.subjectDEPOSITORY INSTITUTIONS
dc.subjectDEPOSITS
dc.subjectDEVELOPING COUNTRIES
dc.subjectDEVELOPMENT BANK
dc.subjectDEVELOPMENT BANKS
dc.subjectDONOR FUNDING
dc.subjectDOUBLE BOTTOM LINE
dc.subjectDRUG TRAFFICKING
dc.subjectDUE DILIGENCE
dc.subjectDUE DILIGENCE REQUIREMENTS
dc.subjectECONOMIC DEVELOPMENT
dc.subjectELECTRONIC MONEY
dc.subjectEMPLOYER
dc.subjectEQUIPMENT
dc.subjectEXCHANGE RATES
dc.subjectEXPOSURE
dc.subjectEXTERNAL AUDITS
dc.subjectFINANCIAL ACTIVITY
dc.subjectFINANCIAL CRIMES
dc.subjectFINANCIAL INSTITUTION
dc.subjectFINANCIAL INSTITUTIONS
dc.subjectFINANCIAL INSTRUMENTS
dc.subjectFINANCIAL INTELLIGENCE
dc.subjectFINANCIAL INTERMEDIARIES
dc.subjectFINANCIAL MARKET
dc.subjectFINANCIAL MARKETS
dc.subjectFINANCIAL PRODUCTS
dc.subjectFINANCIAL REGULATION
dc.subjectFINANCIAL SECTOR DEVELOPMENT
dc.subjectFINANCIAL SERVICE
dc.subjectFINANCIAL SERVICE PROVIDER
dc.subjectFINANCIAL SERVICE PROVIDERS
dc.subjectFINANCIAL SERVICES PROVIDERS
dc.subjectFINANCIAL SUPPORT
dc.subjectFINANCIAL SYSTEM
dc.subjectFINANCIAL SYSTEMS
dc.subjectFINANCIAL TRANSACTIONS
dc.subjectFOREIGN DIRECT INVESTMENT
dc.subjectFOREIGN EXCHANGE
dc.subjectFORMAL FINANCIAL SECTOR
dc.subjectFORMAL FINANCIAL SERVICES
dc.subjectFUNDS TRANSFERS
dc.subjectFUTURES
dc.subjectGENERAL PUBLIC
dc.subjectGLOBAL PAYMENTS
dc.subjectGRAPHICS
dc.subjectGREATER ACCESS
dc.subjectGROUP LENDING
dc.subjectHOUSEHOLDS
dc.subjectHUMAN RESOURCE
dc.subjectHUMAN RESOURCE CAPACITY
dc.subjectHUMAN RESOURCE POLICIES
dc.subjectID
dc.subjectIDENTIFICATION REQUIREMENTS
dc.subjectIDENTITY CARD
dc.subjectILLICIT ACTIVITIES
dc.subjectILLICIT ACTIVITY
dc.subjectINCOME
dc.subjectINCOME TAX
dc.subjectINFORMATION EXCHANGE
dc.subjectINFORMATION SHARING
dc.subjectINFORMATION SYSTEMS
dc.subjectINSTITUTIONAL CAPACITY
dc.subjectINSURANCE COMPANY
dc.subjectINTEREST RATE
dc.subjectINTERNAL AUDITOR
dc.subjectINTERNAL CONTROL
dc.subjectINTERNAL CONTROLS
dc.subjectINTERNATIONAL BEST PRACTICE
dc.subjectINTERNATIONAL COOPERATION
dc.subjectINTERNATIONAL FINANCIAL MARKETS
dc.subjectINTERNATIONAL STANDARDS
dc.subjectINVESTMENT CAPITAL
dc.subjectJURISDICTION
dc.subjectJURISDICTIONS
dc.subjectLAW ENFORCEMENT
dc.subjectLEGAL PROTECTION
dc.subjectLEVEL OF SECURITY
dc.subjectLICENSE
dc.subjectLIFE INSURANCE
dc.subjectLIQUID SECURITIES
dc.subjectLOAN INSTITUTIONS
dc.subjectLOAN OFFICERS
dc.subjectLOAN SIZES
dc.subjectLOCAL BANKS
dc.subjectMFI
dc.subjectMFIS
dc.subjectMICROCREDIT
dc.subjectMICROFINANCE
dc.subjectMICROFINANCE INSTITUTION
dc.subjectMICROFINANCE INSTITUTIONS
dc.subjectMICROINSURANCE
dc.subjectMIDDLE-INCOME ECONOMIES
dc.subjectMONEY LAUNDERERS
dc.subjectMONEY LAUNDERING
dc.subjectMONEY LAUNDERING ACTIVITY
dc.subjectMONEY MARKET
dc.subjectMONEY ORDERS
dc.subjectMONEY TRANSFERS
dc.subjectMORTGAGE
dc.subjectMORTGAGE CREDIT
dc.subjectNEW TECHNOLOGIES
dc.subjectNEW TECHNOLOGY
dc.subjectNONPROFIT ORGANIZATIONS
dc.subjectOPERATIONAL COST
dc.subjectOUTSTANDING BALANCE
dc.subjectOWNERSHIP STRUCTURES
dc.subjectPAYMENT SYSTEM
dc.subjectPAYMENTS NETWORK
dc.subjectPAYMENTS SYSTEM
dc.subjectPDF
dc.subjectPHOTO
dc.subjectPHOTO ID
dc.subjectPOOR CLIENTS
dc.subjectPORTFOLIO
dc.subjectPORTFOLIO MANAGEMENT
dc.subjectPOSTAL BANK
dc.subjectPOSTAL BANKS
dc.subjectPOSTAL SAVINGS
dc.subjectPRIVATE BANKING
dc.subjectPUBLIC POLICY
dc.subjectPUBLIC RECORD
dc.subjectREAL ESTATE
dc.subjectRECORD KEEPING
dc.subjectREGULATORS
dc.subjectREGULATORY REGIMES
dc.subjectREMITTANCE
dc.subjectREMITTANCES
dc.subjectREPUTATION
dc.subjectREPUTATION RISKS
dc.subjectREPUTATIONS
dc.subjectRESULT
dc.subjectRESULTS
dc.subjectRISK ANALYSIS
dc.subjectRISK MANAGER
dc.subjectRISK OF FRAUD
dc.subjectRISK OF MONEY LAUNDERING
dc.subjectRURAL BANKS
dc.subjectRURAL CREDIT
dc.subjectRURAL CREDIT COOPERATIVES
dc.subjectSAVINGS ACCOUNTS
dc.subjectSAVINGS BANK
dc.subjectSAVINGS BANKS
dc.subjectSECURITIES
dc.subjectSECURITIES ISSUES
dc.subjectSERVICES TO CLIENTS
dc.subjectSHAREHOLDERS
dc.subjectSIGNATURE
dc.subjectSMALL LOAN
dc.subjectSMALL LOANS
dc.subjectSTATE BANK
dc.subjectSUPERVISION
dc.subjectSUSPICIOUS ACTIVITIES
dc.subjectTECHNICAL ASSISTANCE
dc.subjectTERRORISM
dc.subjectTERRORIST
dc.subjectTERRORIST ATTACK
dc.subjectTERRORIST ORGANIZATIONS
dc.subjectTRANSACTION
dc.subjectTRANSACTION REPORTING
dc.subjectTRANSFERABLE SECURITIES
dc.subjectTRANSPARENCY
dc.subjectTREASURY
dc.subjectUSES
dc.subjectVERIFICATION
dc.subjectVILLAGE
dc.subjectVILLAGES
dc.subjectVOLATILITY
dc.subjectVOLUNTARY DEPOSIT
dc.subjectWEAK ENFORCEMENT
dc.subjectWEB
dc.subjectWEB SITE
dc.subjectWIRE TRANSFERS
dc.subjectWORKING CAPITAL
dc.titleAML/CFT Regulation : Implications for Financial Service Providers that Serve Low-Income People

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