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!"#$%&'()* 29 2005 7 ^jiL`cq !"# !"#$%&' !"#$%&'()*+,-./0123456789 !"#$% !"#$%&'()*+,)-./ !"#$%&'()*+, !"#$ AML !"#$%& CFT !"#$%&'()*+ !"#$%&'()*+, !"#$%&'()*+, FATF!"# AML/CFT !"# !"#$%&'()* !"#$%&'() AML/CFT !"#$ !"#$"%&'(%&)*+, !"#$%&'!"#$%&'()* !"#$%&'()*+,-. !"#$%&'()*+,-./012345!"#$%&' !"#$%&'()*+,-./0 !"#$%&'()*+,- !"#$%&'()*+,-../0 !"#$%&'()*+,-. !"# !"#$%!AML/CFT!"#$%&'()*&+,-./ !"#$%&'()*+,-./012 !"#$% !"#$%& 1 !"#! 2 !"#$%&'()*+,- 3 !" !"#$%&'( !"#$%&'(AML/CFT!"#$%&'()*+,-./01 !"# ! !"#$%&'()*+,-./0123456 FocusNote AML/CFT REGULATION: IMPLICATIONS FOR FINANCIAL SERVICE PROVIDERS THAT SERVE LOW-INCOME PEOPLE !"CGAP!"#$%& !"#$%&' CGAP !"#$%&Jennifer Isern David Porteous !"#$ Raul Hernandez-Coss !" Chinyere Egwuagu !"#$%&'() !" !"#$%&' CGAP !"# 1818 H Street NW, Washington DC 20433 2024739594 2025223744 [email protected] www.cgap.org ! !"# 33459 Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized Public Disclosure Authorized
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FocusNote 33459 ^jiL`cq - World Bank...Denis Pesme, Emile van der Does de Willebois, Pierre-Laurent Chatain, Bikki Randhawa, Heba Mahmoud Mokhtar Shamseldin, Martin Comley !"# Maud

Jan 28, 2021

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  • 1

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  • 3

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  • 5

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  • 6

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  • 8

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  • 9

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    11 � Genesis Analytics, �Access to Financial Services.�12 FATF, 2003,The Forty Recommendations, www1.oecd.org/fatf/40Recs_en.

    htm13 FATF�� !IX �� !"#, www1.oecd.org/fatf/SRecsTF_en.htm#IX.

    %20Cash%20courriers14�� !"#AML/CFT�� !"#$%&'�FATF��, www1.oecd.

    org/fatf/Legislation_en.htm.

  • 10

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    �� !: FIC: www.fic.gov.za; Genesis Analytics, �A Brief Case Study of the Effect of the Implementation of the FATF Recommendations�;

    L. de Koker, �Client Identification and Money Laundering Control: Perspectives on the FIC Act 38 of 2001.�

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  • 12

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    ��

    Asian Development Bank. Manual on Countering Money Laundering and the Financing of Terrorism.Manila, Philippines: AsDB, March 2003.

    BBC News. �Bali bombs �work of experts,�� November 2002, news.bbc.co.uk/1/hi/world/asiapacific/2384509.stm.

    Bank for International Settlements. �Customer Due Diligence for Banks.� Berne, Switzerland: BIS,October2001, www.bis.org/publ/bcbs85.pdf.

    Christen, Robert Peck, Timothy Lyman, and Richard Rosenberg. Guiding Principles on Regulation andSupervision of Microfinance. Microfinance Consensus Guidelines. Washington, DC: CGAP, 2003,www.cgap.org/publications/guidelines.html

    Christen, Robert Peck, Richard Rosenberg, and Veena Jayadeva. Financial Institutions with a �DoubleBottom Line�: Implications for the Future of Microfinance. CGAP Occasional Paper, no. 8.Washington, DC: CGAP July 2004, www.cgap.org/publications/occasional_papers.html

    De Koker, L. �Client Identification and Money Laundering Control: Perspectives on the FinancialIntelligence Act 38 of 2001,� Journal of South African Law 715 (2004).

    Financial Action Task Force. �Guidance for Financial Institutions in Detecting Terrorist Financing.�Paris:FATF/GAPI, April 2002, www.fatf-gafi.org/dataoecd/39/21/34033955.pdf.

    ���FATF Methodology for Assessing Compliance with FATF 40 Recommendations and the FATFVIII Special Recommendations. Paris: FATF/GAPI, February 2004, www.fatf-gafi.org/dataoecd/46/48/34274813.pdf.

    �� The Forty Recommendations. Paris: FATF/GAPI, 2003, www.fatf-gafi.org/dataoecd/38/47/34030579.PDF .

    ���Best Practice Guidelines on Providing Feedback to Reporting Financial Institutions and OtherPersons.� Paris: FATF/GAPI, June 1998, www.fatf-gafi.org/dataoecd/32/46/34046950.pdf.

    ���Non-cooperative Countries and Territories.� Paris: FATF/GAPI, October 2004, www.fatfgafi.org/document/4/0,2340,en_32250379_32236992_33916420_1_1_1_1,00.html.

    ���Nine Special Recommendation on Terrorist Financing.� Paris, www.fatf-gafi.org/dataoecd/55/16/34266142.pdf.

    Genesis Analytics. �Access to Financial Services in South Africa: A Brief Case Study of the Effect ofthe Implementation of the Financial Action Task Force Recommendations.� Johannesburg, SouthAfrica: Genesis Analytics (Pty) Ltd., 2004, www.finmarktrust.org.za/research.

    International Monetary Fund and the World Bank Group. �Financial Intelligence Units: An Overview.�Washington, DC: World Bank Group, 2004.

    International Monetary Fund. �Suppressing the Financing of Terrorism: A Handbook for LegislativeDrafting.�Legal Department. Washington, DC: IMF, 2003.

    Schott, Paul Allan. Reference Guide to Anti-Money Laundering and Combating the Financing ofTerrorism.Second edition. Washington, DC: World Bank, 2004.

    Treasury Guidelines Working Group of Charitable Sector Organizations and Advisors. �Principles ofInternational Charity.� Draft paper, Council on Foundations working group, Washington, DC,March 2005.

    Turnbull, Wayne.�A Tangled Web of Southeast Asian Islamic Terrorism: The Jemaah Islamiyah TerroristNetwork.� Monterey Institute of International Studies. Monterey, Calif.: US Army, July 2003,www.terrorismcentral.com/Library/terroristgroups/JemaahIslamiyah/JITerror/BaliTactPlan.html

    United Nations. �The United Nations International Convention for the Suppression of the Financing ofTerrorism.� New York: United Nations, 1999, www.untreaty.un.org/English/Terrorism/Conv11.pdf.

    van Greuning, Hennie, Joselito Gallardo, and Bikki Randhawa. �A Framework for RegulatingMicrofinance Institutions.� Financial Sector Development Department. Washington, DC: WorldBank, December 1998.

    World Bank. �The World Bank in the Global Fight against Money Laundering and Terrorist Financing.�Financial Sector Vice Presidency, Financial Market Integrity Unit. Washington, DC: World Bank,2003.

    World Bank Institute. �Microfinance Regulation Framework and Guiding Principles.� Washington,DC: World Bank, 2004.

    �� !�