Overview
- Banks and other anti-money-laundering–obligated firms must file structured, machine‑readable suspicious-activity reports to the FIU starting March 1, 2026.
- Customers receive no new legal duties, but institutions may scrutinize unusual transactions more closely under tightened reporting standards.
- Common triggers for reviews include large or atypical incoming funds, frequent high cash deposits, international transfers, unclear payment references, or activity that deviates from an account’s profile.
- Institutions are updating processes and IT systems to meet the new requirements, with industry observers not expecting a blanket surge of customer inquiries.
- When a suspicion is reported to the FIU, banks are generally prohibited from notifying the customer, so clients are advised to keep documentation ready and respond promptly to any bank queries.