[20020923]RS21032_洗钱：现行法律和提案.pdf

1 The FDIC received 254, 394 comments with an “overwhelming majority” “strongly opposed.”64 Fed. Reg. 14845 (March 29, 1999).Congressional Research Service The Library of CongressCRS Report for CongressReceived through the CRS WebOrder Code RS21032Updated September 23, 2002Money Laundering: Current Law and ProposalsM. Maureen MurphyLegislative AttorneyAmerican Law DivisionSummary In passing the International Money Laundering Abatement and Anti-Terrorist Act,Title III of P.L. 107-56, Congress amended federal anti-money laundering laws andordered various studies to determine whether further legislation is needed. The anti-money laundering laws include criminal statutes that prohibit laundering the proceedsof specified crimes and reporting and record keeping requirements that involve criminaland civil penalties. Since the late 1970s financial institutions have been required toreport cash transactions in excess of $10,000 and to keep records of certain foreigntransactions. Since 1996, banks have been required to report suspicious activity. Manyinstitutions have maintained know-your-customer procedures that profile depositors,borrowers, or security traders on an informal basis. A regula