[20010831]RS20026_银行业提出的“了解客户”规则.pdf

1 The FDIC received 254, 394 comments with an “overwhelming majority” “strongly opposed.”64 Fed. Reg. 14845 (March 29, 1999).2 12 U.S.C. 1829b and 1951-1959, and 31 U.S.C. 5311-5322.Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS20026Updated August 31, 2001Bankings Proposed “Know Your Customer” Rulesname redactedLegislative AttorneyAmerican Law DivisionSummaryOn December 7, 1998, federal banking regulators proposed regulations that wouldhave required banks and thrifts to develop formal policies and procedures to identifyunusual transactions in customers accounts to report as suspicious activity inconjunction with the federal laws outlawing money laundering. Since 1996, banks havebeen required to report suspicious activity. Many institutions have maintained know-your-customer procedures on an informal basis. Formal procedures subject to regulatoryscrutiny would have been, however, an innovation. On March 23, 1999, the regulatorsissued a joint statement withdrawing the proposal, having received an unprecedentednumber of comments.1 Small banks criticized the increased costs of screening.Individuals and businesses r