US Treasury Rule Making on BPAndorra Money Laundering 6 March 2015

8/9/2019 US Treasury Rule Making on BPAndorra Money Laundering 6 March 2015

1/21

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(KCIICHG@FML> =1?5-5;)

MLUO[]DLH] FB ]AL ][LOP\[S

Bchoh`coi @rcdls Lhbfr`ldlht Hltwfrj

0? @B[ Uort ?5?5

[CH ? Bchoh`coi @rcdls Lhbfr`ldlht Hltwfrj (’Bch@LH—), ]rlosury.

O@]CFH> Hftc`l fb prfpfslm ruildojchg.

P\DDO[S> Ch o bchmchg, hftc`l fb wacà cs pukicsalm lislwalrl ch tacs cssul fb tal

Blmlroi [lgcstlr (’ Hftc`l fb Bchmchg—), tal Mcrl`tfr fb Bch@LH bfuhm taot Kohò

Urcvomo m–Ohmfrro (’KUO—) cs o bchoh`coi chstctutcfh fplrotchg futscml fb tal \hctlm

Ptotls taot cs fb prcdory dfhly iouhmlrchg `fh`lrh. Bch@LH cs cssuchg tacs hftc`l fb

prfpfslm ruildojchg (’ HU[D—) tf prfpfsl tal cdpfsctcfh fb o spl`coi dlosurl ogochst

KUO.

MO]LP> Wrcttlh `fddlhts fh tacs HU[D dust kl sukdcttlm fh fr klbfrl ZCHPL[]

MO]L 25 MOSP OB]L[ ]AL MO]L FB U\KIC@O]CFH FB ]ACP MF@\DLH] CH

]AL BLML[OI [LGCP]L[T.

OMM[LPPLP> Sfu doy sukdct ̀ fddlhts, cmlhtcbclm ky ?

Blmlroi L-ruildojchg Ufrtoi> attp>//www.rlguiotcfhs.gfv. Bfiifw tal

chstru`tcfhs bfr sukdcttchg `fddlhts. Chìuml ?


2/21

;

Doci> ]al Bchoh`coi @rcdls Lhbfr`ldlht Hltwfrj, U.F. Kfx 03, Rclhho,

RO ;;?10. Chìuml ? Uukic` `fddlhts rl`lcvlm lil`trfhcòiiy fr tarfuga tal \.P.

Ufstoi Plrvc`l slht ch rlspfhsl tf o hftc`l ohm rlqulst bfr `fddlht wcii kl doml

ovociokil bfr pukic` rlvclw fh attp>//www.rlguiotcfhs.gfv. @fddlhts rl`lcvlm doy kl

payscòiiy chspl`tlm ch tal Bch@LH rlomchg rffd ifòtlm ch Rclhho, Rcrgchco. [lomchg

rffd oppfchtdlhts orl ovociokil wlljmoys (lxìumchg aficmoys) kltwllh ?5o.d. ohm

0p.d., ky òiichg tal Mcsìfsurl Fbbc`lr ot (750) 35


3/21

0

0? @B[ @aoptlr Q. ]al outafrcty fb tal Pl`rltory fb tal ]rlosury (tal ’Pl`rltory—) tf

omdchcstlr tal KPO ohm cts cdpildlhtchg rlguiotcfhs aos kllh mlilgotlm tf tal Mcrl`tfr

fb Bch@LH.

Pl`tcfh 0?? fb tal \PO UO][CF] O`t (’Pl`tcfh 0??—), `fmcbclm ot 0? \.P.@.


4/21

=

K. Mcsùsscfh fb Pl`tcfh 0?? Bo`tfrs

Ch mltlrdchchg wacà spl`coi dlosurls tf cdpildlht tf ommrlss tal prcdory

dfhly iouhmlrchg `fh`lrh, Bch@LH `fhscmlrlm tal bfiifwchg bo`tfrs.

?. Waltalr Pcdcior O`tcfh Aos Kllh fr Wcii Kl ]ojlh ky Ftalr Hotcfhs frDuitciotlroi Grfups ogochst KUO

Ftalr `fuhtrcls fr duitciotlroi grfups aovl hft ylt tojlh o`tcfh scdcior tf tal

o`tcfh prfpfslm ch tacs ruildojchg taot wfuim> (?) prfackct mfdlstc` bchoh`coi chstctutcfhs

ohm oglh`cls brfd fplhchg fr dochtochchg o `frrlspfhmlht o``fuht bfr fr fh klaoib fb

KUO: ohm (;) rlqucrl `lrtoch `fvlrlm bchoh`coi chstctutcfhs tf s`rllh talcr `frrlspfhmlht

o``fuhts ch o dohhlr taot cs rlosfhokiy mlscghlm tf guorm ogochst prf`lsschg trohso`tcfhs

chvfivchg KUO. Bch@LH lh`furogls ftalr `fuhtrcls tf tojl scdcior o`tcfh koslm fh tal

chbfrdotcfh `fhtochlm ch tacs HU[D ohm tal Hftc`l fb Bchmchg.

;. Waltalr tal Cdpfsctcfh fb tal Bcbta Ppl`coi Dlosurl Wfuim @rlotl oPcghcbcòht @fdpltctcvl Mcsomvohtogl, Chìumchg Ohy \hmul @fst frKurmlh Ossf`cotlm wcta @fdpicoh`l, bfr Bchoh`coi Chstctutcfhs Frgohczlmfr Ic`lhslm ch tal \hctlm Ptotls

]al bcbta spl`coi dlosurl prfpfslm ky tacs ruildojchg wfuim prfackct `fvlrlm

bchoh`coi chstctutcfhs brfd fplhchg fr dochtochchg `frrlspfhmlht o``fuhts bfr fr fh

klaoib fb KUO obtlr tal lbbl`tcvl motl fb tal bchoi ruil cdpildlhtchg tal bcbta spl`coi

dlosurl. @urrlhtiy, fhiy bfur \.P. `fvlrlm bchoh`coi chstctutcfhs dochtoch oh o``fuht bfr

KUO: talrlbfrl, Bch@LH kliclvls tacs o`tcfh wcii hft prlslht oh uhmul rlguiotfry kurmlh.

Os o `frfiiory tf tacs dlosurl, `fvlrlm bchoh`coi chstctutcfhs oisf wfuim kl rlqucrlm tf

tojl rlosfhokil stlps tf oppiy spl`coi mul mcicglh`l, os slt bfrta klifw, tf oii fb talcr

`frrlspfhmlht o``fuhts tf alip lhsurl taot hf suà o``fuht cs klchg uslm tf prfvcml

slrvc`ls tf KUO. Bfr mcrl`t `frrlspfhmlht rliotcfhsacps, tacs wfuim chvfivl o dchcdoi

kurmlh ch trohsdcttchg o fhl-tcdl hftc`l tf `lrtoch bfrlcgh `frrlspfhmlht o``fuht afimlrs


5/21

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`fh`lrhchg tal prfackctcfh fh prf`lsschg trohso`tcfhs chvfivchg KUO tarfuga tal \.P.

`frrlspfhmlht o``fuht. \.P. bchoh`coi chstctutcfhs glhlroiiy oppiy sfdl ilvli fb

s`rllhchg ohm, walh rlqucrlm, `fhmu`t sfdl ilvli fb rlpfrtchg fb talcr trohso`tcfhs ohm

o``fuhts, fbtlh tarfuga tal usl fb `fddlr`coiiy-ovociokil sfbtworl suà os taot uslm bfr

`fdpicoh`l wcta tal l`fhfdc` soh`tcfhs prfgrods omdchcstlrlm ky tal Fbbc`l fb Bfrlcgh

Osslts @fhtrfi (’FBO@—) fb tal Mlportdlht fb tal ]rlosury ohm tf mltl`t pftlhtcoi

suspc`cfus o`tcvcty. ]f lhsurl taot \.P. bchoh`coi chstctutcfhs orl hft klchg uslm

uhwcttchgiy tf prf`lss poydlhts bfr fr fh klaoib fb KUO, mcrl`tiy fr chmcrl`tiy, sfdl

ommctcfhoi kurmlh wcii kl chùrrlm ky \.P. bchoh`coi chstctutcfhs tf kl vcgcioht ch talcr

suspc`cfus o`tcvcty dfhctfrchg prf`lmurls. Os lxpiochlm ch dfrl mltoci ch tal sl`tcfh-ky-

sl`tcfh ohoiyscs klifw, bchoh`coi chstctutcfhs safuim kl okil tf ilvlrogl talsl ùrrlht

s`rllhchg ohm rlpfrtchg prf`lmurls tf mltl`t trohso`tcfhs chvfivchg KUO.

0. ]al Lxtlht tf Wacà tal Urfpfslm O`tcfh fr ]cdchg fb tal O`tcfh WfuimAovl o Pcghcbcòht Omvlrsl Pystldc` Cdpo`t fh tal ChtlrhotcfhoiUoydlht, @iloroh`l, ohm Plttildlht Pystld, fr fh Ilgctcdotl KuschlssO`tcvctcls fb KUO

]al rlqucrldlhts prfpfslm ch tacs HU[D wfuim torglt KUO spl`cbcòiiy: taly

wfuim hft torglt o ìoss fb bchoh`coi trohso`tcfhs (suà os wcrl trohsblrs) fr o portcùior

nurcsmc`tcfh. KUO cs hft o donfr portc`cpoht ch tal chtlrhotcfhoi poydlht systld ohm cs

hft rliclm upfh ky tal chtlrhotcfhoi kohjchg `fdduhcty bfr ìloroh`l fr slttildlht

slrvc`ls. Ommctcfhoiiy, ct cs mcbbcùit tf osslss fh tal chbfrdotcfh ovociokil tal lxtlht tf

wacà KUO cs uslm bfr ilgctcdotl kuschlss purpfsls. KUO prfvcmls slrvc`ls ch prcvotl

kohjchg, plrsfhoi kohjchg, ohm `frpfrotl kohjchg. ]alsl slrvc`ls chìuml typcòi kohj

prfmu`ts suà os sovchgs o``fuhts, `frpfrotl o``fuhts, `rlmct òrms, ohm bchoh`chg. KUO

prfvcmls slrvc`ls tf acga-rcsj ùstfdlrs chìumchg chtlrhotcfhoi bfrlcgh fplrotlm salii


6/21

2

`fdpohcls, kuschlssls icjliy lhgoglm ch uhic`lhslm dfhly trohsdcsscfh, ohm slhcfr

bfrlcgh pfictcòi fbbc`cois. Klòusl fb tal mldfhstrotlm `ffplrotcfh fb acga ilvli

dohogldlht ot KUO wcta ]UDIs, KUO–s ilgctcdotl kuschlss o`tcvcty cs ot acga rcsj fb

klchg okuslm ky dfhly iouhmlrlrs. Gcvlh tacs rcsj, Bch@LH kliclvls taot ohy cdpo`t fh

tal ilgctcdotl kuschlss o`tcvctcls fb KUO cs futwlcgalm ky tal hllm tf prftl`t tal \P

bchoh`coi systld. Dfrlfvlr, tal cdpfsctcfh fb tal bcbta spl`coi dlosurl ogochst KUO

wfuim hft aovl o scghcbcòht omvlrsl systldc` cdpo`t fh tal chtlrhotcfhoi poydlht,

ìloroh`l, ohm slttildlht systld.

=. ]al Lbbl`t fb tal Urfpfslm O`tcfh fh \hctlm Ptotls Hotcfhoi Plùrcty ohmBfrlcgh Ufic`y

]al lxìuscfh fb KUO brfd tal \.P. bchoh`coi systld os prfpfslm ch tacs HU[D

wfuim lhaoh`l hotcfhoi slùrcty ky dojchg ct dfrl mcbbcùit bfr dfhly iouhmlrlrs,

trohshotcfhoi `rcdchoi frgohczotcfhs, audoh trobbc`jlrs, ohm ftalr `rcdchois tf o``lss tal

\.P. bchoh`coi systld. Dfrl glhlroiiy, tal cdpfsctcfh fb tal bcbta spl`coi dlosurl wfuim

`fdpildlht tal \.P. Gfvlrhdlht–s wfrimwcml lbbfrts tf lxpfsl ohm mcsrupt chtlrhotcfhoi

dfhly iouhmlrchg.

]alrlbfrl, pursuoht tf tal Bchmchg taot KUO cs o bchoh`coi chstctutcfh fplrotchg

futscml fb tal \hctlm Ptotls fb prcdory dfhly iouhmlrchg `fh`lrh, ohm obtlr `fhmu`tchg

tal rlqucrlm `fhsuitotcfhs ohm wlcgachg tal rlilvoht bo`tfrs, tal Mcrl`tfr fb Bch@LH

prfpfsls tf cdpfsl tal bcbta spl`coi dlosurl.

CCC. Pl`tcfh-ky-Pl`tcfh Ohoiyscs bfr Cdpfsctcfh fb tal Bcbta Ppl`coi Dlosurl


7/21

7

?5?5.22;(o) ‐ Mlbchctcfhs

?. Kohò Urcvomo m–Ohmfrro

Pl`tcfh ?5?5.22;(o)(?) fb tal prfpfslm ruil wfuim mlbchl KUO tf chìuml oii

mfdlstc` ohm chtlrhotcfhoi krohàls, fbbc`ls, ohm sukscmcorcls fb KUO walrlvlr ifòtlm.

@fvlrlm bchoh`coi chstctutcfhs safuim tojl `fddlr`coiiy rlosfhokil dlosurls tf

mltlrdchl waltalr o ùstfdlr cs o krohà, fbbc`l, fr sukscmcory fb KUO.

;. @frrlspfhmlht O``fuht

Pl`tcfh ?5?5.22;(o)(;) fb tal prfpfslm ruil wfuim mlbchl tal tlrd ’`frrlspfhmlht

o``fuht— ky rlblrlh`l tf tal mlbchctcfh `fhtochlm ch 0? @B[ ?5?5.25


8/21

1

Ch tal òsl fb slùrctcls krfjlr-mloilrs, buturls `fddcsscfh dlràohts,

chtrfmu`chg krfjlrs-`fddfmctcls, ohm chvlstdlht `fdpohcls taot orl fplh-lhm

`fdpohcls (’dutuoi buhms—), Bch@LH cs oisf uschg tal sodl mlbchctcfh fb ’o``fuht— bfr

purpfsls fb tacs ruil os wos lstokicsalm bfr talsl lhtctcls ch tal bchoi ruil cdpildlhtchg

tal prfvcscfhs fb sl`tcfh 0?; fb tal \PO UO][CF] O`t rlqucrchg lhaoh`lm mul

mcicglh`l bfr `frrlspfhmlht o``fuhts dochtochlm bfr `lrtoch bfrlcgh kohjs.;

0. @fvlrlm Bchoh`coi Chstctutcfh

Pl`tcfh ?5?5.22;(o)(0) fb tal prfpfslm ruil wfuim mlbchl ’`fvlrlm bchoh`coi

chstctutcfh— wcta tal sodl mlbchctcfh uslm ch tal bchoi ruil cdpildlhtchg tal prfvcscfhs fb

sl`tcfh 0?; fb tal \PO UO][CF] O`t,0 wacà ch glhlroi chìumls tal bfiifwchg>

Oh chsurlm kohj (os mlbchlm ch sl`tcfh 0(a) fb tal Blmlroi Mlpfsct

Chsuroh`l O`t (?; \.P.@. ?1?0(a)):

o `fddlr`coi kohj:

oh oglh`y fr krohà fb o bfrlcgh kohj ch tal \hctlm Ptotls:

o Blmlroiiy chsurlm `rlmct uhcfh:

o sovchgs ossf`cotcfh:

o `frpfrotcfh o`tchg uhmlr sl`tcfh ;


9/21

3

o dutuoi buhm.

=. Pukscmcory

Pl`tcfh ?5?5.22;(o)(=) fb tal prfpfslm ruil wfuim mlbchl ’sukscmcory— os o

`fdpohy fb wac`a dfrl taoh


10/21

?5

O `fvlrlm bchoh`coi chstctutcfh doy sotcsby tal hftcbcòtcfh rlqucrldlht ky

trohsdcttchg tal bfiifwchg hftc`l tf cts bfrlcgh `frrlspfhmlht o``fuht afimlrs taot ct

jhfws fr aos rlosfh tf jhfw prfvcml slrvc`ls tf KUO>

Hftc`l> Uursuoht tf \.P. rlguiotcfhs cssulm uhmlr Pl`tcfh 0?? fbtal \PO UO][CF] O`t, sll 0? @B[ ?5?5.22;, wl orl prfackctlmbrfd lstokicsachg, dochtochchg, omdchcstlrchg, fr dohogchg o`frrlspfhmlht o``fuht bfr fr fh klaoib fb Kohò Urcvomom–Ohmfrro. ]al rlguiotcfhs oisf rlqucrl us tf hftcby yfu taot yfudoy hft prfvcml Kohò Urcvomo m–Ohmfrro fr ohy fb ctssukscmcorcls wcta o``lss tf tal `frrlspfhmlht o``fuht yfu afim otfur bchoh`coi chstctutcfh. Cb wl kl`fdl oworl taot tal`frrlspfhmlht o``fuht yfu afim ot fur bchoh`coi chstctutcfh aos prf`lsslm ohy trohso`tcfhs chvfivchg Kohò Urcvomo m–Ohmfrro fr

ohy fb cts sukscmcorcls, wl wcii kl rlqucrlm tf tojl opprfprcotl stlpstf prlvlht suà o``lss, chìumchg tlrdchotchg yfur o``fuht.

O `fvlrlm bchoh`coi chstctutcfh doy, bfr lxodpil, aovl jhfwilmgl tarfuga

trohso`tcfh s`rllhchg sfbtworl taot o `frrlspfhmlht prf`lssls trohso`tcfhs bfr KUO. ]al

purpfsl fb tal hftc`l rlqucrldlht cs tf ocm `ffplrotcfh wcta `frrlspfhmlht o``fuht

afimlrs ch prlvlhtchg trohso`tcfhs chvfivchg KUO brfd o``lsschg tal \.P. bchoh`coi

systld. Afwlvlr, Bch@LH wfuim hft rlqucrl fr lxpl`t o `fvlrlm bchoh`coi chstctutcfh tf

fktoch o `lrtcbcòtcfh brfd ohy fb cts `frrlspfhmlht o``fuht afimlrs taot o``lss wcii hft kl

prfvcmlm tf `fdpiy wcta tacs hftc`l rlqucrldlht. Dltafms fb `fdpicoh`l wcta tal hftc`l

rlqucrldlht `fuim chìuml, bfr lxodpil, trohsdcttchg o fhl-tcdl hftc`l ky doci, box, fr l-

doci. Bch@LH spl`cbcòiiy sfic`cts `fddlhts fh tal bfrd ohm s`fpl fb tal hftc`l taot

wfuim kl rlqucrlm uhmlr tal ruil.

]al spl`coi mul mcicglh`l wfuim oisf chìuml cdpildlhtchg rcsj-koslm prf`lmurls

mlscghlm tf cmlhtcby ohy usl fb `frrlspfhmlht o``fuhts tf prf`lss trohso`tcfhs chvfivchg

KUO. O `fvlrlm bchoh`coi chstctutcfh wfuim kl lxpl`tlm tf oppiy oh opprfprcotl

s`rllhchg dlàohcsd tf cmlhtcby o buhms trohsblr frmlr taot fh cts bo`l icstlm KUO os tal


11/21

??

bchoh`coi chstctutcfh fb tal frcgchotfr fr klhlbc`cory, fr ftalrwcsl rlblrlh`lm KUO ch o

dohhlr mltl`tokil uhmlr tal bchoh`coi chstctutcfh–s hfrdoi s`rllhchg dlàohcsds. Oh

opprfprcotl s`rllhchg dlàohcsd `fuim kl tal dlàohcsd uslm ky o `fvlrlm bchoh`coi

chstctutcfh tf `fdpiy wcta vorcfus ilgoi rlqucrldlhts, suà os tal `fddlr`coiiy ovociokil

sfbtworl prfgrods uslm tf `fdpiy wcta tal l`fhfdc` soh`tcfhs prfgrods omdchcstlrlm

ky FBO@.

O `fvlrlm bchoh`coi chstctutcfh wfuim oisf kl rlqucrlm tf cdpildlht rcsj-koslm

prf`lmurls tf cmlhtcby chmcrl`t usl fb cts `frrlspfhmlht o``fuhts, chìumchg tarfuga

dltafms uslm tf mcsgucsl tal frcgchotfr fr frcgchotchg chstctutcfh fb o

trohso`tcfh. Ppl`cbcòiiy, Bch@LH cs `fh`lrhlm taot KUO doy ottldpt tf mcsgucsl cts

trohso`tcfhs ky rliychg fh typls fb poydlhts ohm o``fuhts taot wfuim hft lxpic`ctiy

cmlhtcby KUO os oh chvfivlm porty. O bchoh`coi chstctutcfh doy mlvlifp o suspc`cfh fb

suà dcsusl koslm fh ftalr chbfrdotcfh ch cts pfsslsscfh, pottlrhs fb trohso`tcfhs, fr ohy

ftalr dltafm ovociokil tf ct koslm fh cts lxcstchg systlds. \hmlr tal prfpfslm ruil, o

`fvlrlm bchoh`coi chstctutcfh taot suspl`ts fr aos rlosfh tf suspl`t usl fb o `frrlspfhmlht

o``fuht tf prf`lss trohso`tcfhs chvfivchg KUO dust tojl oii opprfprcotl stlps tf ottldpt

tf vlrcby ohm prlvlht suà usl, chìumchg o hftcbcòtcfh tf cts `frrlspfhmlht o``fuht

afimlr rlqulstchg burtalr chbfrdotcfh rlgormchg o trohso`tcfh, rlqulstchg `frrl`tcvl o`tcfh

tf ommrlss tal plr`lcvlm rcsj ohm, walrl hl`lssory, tlrdchotchg tal `frrlspfhmlht

o``fuht. O `fvlrlm bchoh`coi chstctutcfh doy rl-lstokicsa oh o``fuht ìfslm uhmlr tal

ruil cb ct mltlrdchls taot tal o``fuht wcii hft kl uslm tf prf`lss trohso`tcfhs chvfivchg

KUO. Bch@LH spl`cbcòiiy sfic`cts ̀ fddlhts fh tal rlqucrldlht uhmlr tal prfpfslm ruil


12/21

?;

taot `fvlrlm bchoh`coi chstctutcfhs tojl rlosfhokil stlps tf prlvlht ohy prf`lsschg fb

trohso`tcfhs chvfivchg KUO.

0. [l`frmjllpchg ohm [lpfrtchg

Pl`tcfh ?5?5.22;(k)(0) fb tal prfpfslm ruil wfuim ìorcby taot porogropa (k) fb

tal ruil mfls hft cdpfsl ohy rlpfrtchg rlqucrldlht upfh ohy `fvlrlm bchoh`coi chstctutcfh

taot cs hft ftalrwcsl rlqucrlm ky oppicòkil iow fr rlguiotcfh. O `fvlrlm bchoh`coi

chstctutcfh dust, afwlvlr, mfùdlht cts `fdpicoh`l wcta tal rlqucrldlht taot ct hftcby

tafsl `frrlspfhmlht o``fuht afimlrs taot tal `fvlrlm bchoh`coi chstctutcfh jhfws, fr aos

rlosfh tf jhfw, prfvcml slrvc`ls tf KUO, taot suà `frrlspfhmlhts doy hft prf`lss ohy

trohso`tcfh chvfivchg KUO tarfuga tal `frrlspfhmlht o``fuht dochtochlm ot tal `fvlrlm

bchoh`coi chstctutcfh.

CR. [lqulst bfr @fddlhts

Bch@LH chvctls `fddlhts fh oii ospl`ts fb tal prfpfsoi tf cdpfsl tal bcbta

spl`coi dlosurl ogochst KUO ohm spl`cbcòiiy chvctls `fddlhts fh tal bfiifwchg dottlrs>

?. ]al cdpo`t fb tal prfpfslm spl`coi dlosurl upfh ilgctcdotl trohso`tcfhs

uschg KUO chvfivchg, ch portcùior, \.P. plrsfhs ohm lhtctcls: bfrlcgh plrsfhs, lhtctcls,

ohm gfvlrhdlhts: ohm duitciotlroi frgohczotcfhs mfchg ilgctcdotl kuschlss.

;. ]al bfrd ohm s`fpl fb tal hftc`l tf `lrtoch `frrlspfhmlht o``fuht afimlrs

taot wfuim kl rlqucrlm uhmlr tal ruil:

0. ]al opprfprcotl s`fpl fb tal prfpfslm rlqucrldlht bfr o `fvlrlm bchoh`coi

chstctutcfh tf tojl rlosfhokil stlps tf cmlhtcby ohy usl fb cts `frrlspfhmlht o``fuhts tf

prf`lss trohso`tcfhs chvfivchg KUO: ohm


13/21

?0

=. ]al opprfprcotl stlps o `fvlrlm bchoh`coi chstctutcfh safuim tojl fh`l ct

cmlhtcbcls usl fb fhl fb cts `frrlspfhmlht o``fuhts tf prf`lss trohso`tcfhs chvfivchg KUO.

R. [lguiotfry Bilxckcicty O`t

Walh oh oglh`y cssuls o ruildojchg prfpfsoi, tal [lguiotfry Bilxckcicty O`t

(’[BO—) rlqucrls tal oglh`y tf ’prlporl ohm dojl ovociokil bfr pukic` `fddlht oh

chctcoi rlguiotfry bilxckcicty ohoiyscs— taot wcii ’mls`rckl tal cdpo`t fb tal prfpfslm ruil

fh sdoii lhtctcls.— (< \.P.@. 250(o)). Pl`tcfh 25< fb tal [BO oiifws oh oglh`y tf `lrtcby

o ruil, ch iclu fb prlporchg oh ohoiyscs, cb tal prfpfslm ruildojchg cs hft lxpl`tlm tf aovl

o scghcbc`oht l`fhfdc` cdpo`t fh o sukstohtcoi hudklr fb sdoii lhtctcls.

O. Urfpfsoi tf Urfackct @fvlrlm Bchoh`coi Chstctutcfhs brfd Fplhchg frDochtochchg @frrlspfhmlht O``fuhts wcta @lrtoch Bfrlcgh Kohjs \hmlrtal Bcbta Ppl`coi Dlosurl

?. Lstcdotl fb tal Hudklr fb Pdoii Lhtctcls tf Wafd tal UrfpfslmBcbta Ppl`coi Dlosurl Wcii Oppiy>

Bfr purpfsls fb tal [BO, kfta kohjs ohm `rlmct uhcfhs orl `fhscmlrlm sdoii

lhtctcls cb taly aovl ilss taoh $ Ilss taoh fr lquoi tf, typl Bclim Roiuls> ’


14/21

?=

[BO, Bch@LH rlicls fh tal PL@–s mlbchctcfh fb sdoii kuschlss os prlvcfusiy sukdcttlm tf

tal Pdoii Kuschlss Omdchcstrotcfh (’PKO—). ]al PL@ aos mlbchlm tal tlrd ‑‑sdoii

lhtcty–– tf dloh o krfjlr fr mloilr taot> ’(?) aom tftoi `opctoi (hlt wfrta pius sukfrmchotlm

icokcictcls) fb ilss taoh $


15/21

?<

purpfsls fb tal [BO.3 ]al @B]@–s mltlrdchotcfh ch tacs rlgorm wos koslm, ch port, upfh

tal fkicgotcfh fb rlgcstlrlm B@Ds tf dllt tal `opctoi rlqucrldlhts lstokicsalm ky tal

@B]@.

Bfr purpfsls fb tal [BO, oh chtrfmu`chg krfjlr-`fddfmctcls mloilr cs `fhscmlrlm

sdoii cb ct aos ilss taoh $0


16/21

?2

chstctutcfhs wcta wacà KUO dochtochs fr wcii dochtoch o``fuhts wcii icjliy icdct tal

hudklr fb obbl`tlm `fvlrlm bchoh`coi chstctutcfhs tf tal iorglst \.P. kohjs, wacà o`tcvliy

lhgogl ch chtlrhotcfhoi trohso`tcfhs. ]aus, tal prfackctcfh fh dochtochchg `frrlspfhmlht

o``fuhts bfr bfrlcgh kohjchg chstctutcfhs taot lhgogl ch trohso`tcfhs chvfivchg KUO uhmlr

tal bcbta spl`coi dlosurl wfuim hft cdpo`t o sukstohtcoi hudklr fb sdoii lhtctcls.

;. Mls`rcptcfh fb tal Urfnl`tlm [lpfrtchg ohm [l`frmjllpchg[lqucrldlhts fb tal Bcbta Ppl`coi Dlosurl>

]al prfpfslm bcbta spl`coi dlosurl wfuim rlqucrl `fvlrlm bchoh`coi chstctutcfhs tf

prfvcml o hftcbcòtcfh chtlhmlm tf ocm `ffplrotcfh brfd bfrlcgh `frrlspfhmlht o``fuht

afimlrs ch prlvlhtchg trohso`tcfhs chvfivchg KUO brfd o``lsschg tal \.P. bchoh`coi

systld. Bch@LH lstcdotls taot tal kurmlh fh chstctutcfhs prfvcmchg tacs hftc`l cs fhl

afur. @fvlrlm bchoh`coi chstctutcfhs wfuim oisf kl rlqucrlm tf tojl rlosfhokil dlosurls

tf mltl`t usl fb talcr `frrlspfhmlht o``fuhts tf prf`lss trohso`tcfhs chvfivchg KUO. Oii

\.P. plrsfhs, chìumchg \.P. bchoh`coi chstctutcfhs, ùrrlhtiy dust lxlr`csl sfdl mlgrll

fb mul mcicglh`l tf `fdpiy wcta FBO@ soh`tcfhs ohm suspc`cfus o`tcvcty rlpfrtchg

rlqucrldlhts. ]al tffis uslm bfr suà purpfsls, chìumchg `fddlr`coiiy ovociokil

sfbtworl uslm tf `fdpiy wcta tal l`fhfdc` soh`tcfhs prfgrods omdchcstlrlm ky FBO@,

òh losciy kl dfmcbclm tf cmlhtcby `frrlspfhmlht o``fuhts wcta bfrlcgh kohjs taot chvfivl

KUO. ]aus, tal spl`coi mul mcicglh`l taot wfuim kl rlqucrlm ky tal cdpfsctcfh fb tal

bcbta spl`coi dlosurl ‐ c.l., tal fhl-tcdl trohsdcttoi fb hftc`l tf `lrtoch `frrlspfhmlht

o``fuht afimlrs, tal s`rllhchg fb trohso`tcfhs tf cmlhtcby ohy usl fb `frrlspfhmlht

o``fuhts, ohm tal cdpildlhtotcfh fb rcsj-koslm dlosurls tf mltl`t usl fb `frrlspfhmlht

o``fuhts ‐ wfuim hft cdpfsl o scghcbcòht ommctcfhoi l`fhfdc` kurmlh upfh sdoii \.P.

bchoh`coi chstctutcfhs.


17/21

?7

K. @lrtcbcòtcfh>

Bfr talsl rlosfhs, Bch@LH `lrtcbcls taot tal prfpfsois `fhtochlm ch tacs

ruildojchg wfuim hft aovl o scghcbcòht cdpo`t fh o sukstohtcoi hudklr fb sdoii

kuschlssls.

Bch@LH chvctls `fddlhts brfd dldklrs fb tal pukic` waf kliclvl talrl wfuim

kl o scghcbcòht l`fhfdc` cdpo`t fh sdoii lhtctcls brfd tal cdpfsctcfh fb tal bcbta spl`coi

dlosurl rlgormchg KUO.

RC. Uoplrwfrj [lmu`tcfh O`t

]al `fiil`tcfh fb chbfrdotcfh `fhtochlm ch tacs prfpfslm ruil cs klchg sukdcttlm tf

tal Fbbc`l fb Dohogldlht ohm Kumglt bfr rlvclw ch o``frmoh`l wcta tal Uoplrwfrj

[lmu`tcfh O`t fb ?33< (== \.P.@. 0


18/21

?1

]al hftcbcòtcfh rlqucrldlht ch sl`tcfh ?5?5.22;(k)(;)(c) cs chtlhmlm tf ocm

`ffplrotcfh brfd `frrlspfhmlht o``fuht afimlrs ch mlhychg KUO o``lss tf tal \.P.

bchoh`coi systld. ]al chbfrdotcfh rlqucrlm tf kl dochtochlm ky sl`tcfh ?5?5.22;(k)(0)(c)

wfuim kl uslm ky blmlroi oglh`cls ohm `lrtoch slib-rlguiotfry frgohczotcfhs tf vlrcby

`fdpicoh`l ky `fvlrlm bchoh`coi chstctutcfhs wcta tal prfvcscfhs fb 0? @B[ ?5?5.22;.

]al `fiil`tcfh fb chbfrdotcfh wfuim kl dohmotfry.

Mls`rcptcfh fb Obbl`tlm Bchoh`coi Chstctutcfhs> Kohjs, krfjlr-mloilrs ch

slùrctcls, buturls `fddcsscfh dlràohts ohm chtrfmu`chg krfjlrs-`fddfmctcls, ohm

dutuoi buhms.

Lstcdotlm Hudklr fb Obbl`tlm Bchoh`coi Chstctutcfhs>

]al lstcdotlm ovlrogl kurmlh ossf`cotlm wcta tal `fiil`tcfh fb chbfrdotcfh ch tacs

prfpfslm ruil cs fhl afur plr obbl`tlm bchoh`coi chstctutcfh.

Lstcdotlm ]ftoi Ohhuoi Kurmlh> (o) waltalr tal prfpfslm `fiil`tcfh fb

chbfrdotcfh cs hl`lssory bfr tal prfplr plrbfrdoh`l fb tal dcsscfh fb Bch@LH, chìumchg

waltalr tal chbfrdotcfh wfuim aovl pro`tcòi utcicty: (k) tal o`ùro`y fb Bch@LH–s

lstcdotl fb tal kurmlh fb tal prfpfslm `fiil`tcfh fb chbfrdotcfh: (`) woys tf lhaoh`l tal

quoicty, utcicty, ohm ìorcty fb tal chbfrdotcfh rlqucrlm tf kl dochtochlm: (m) woys tf

dchcdczl tal kurmlh fb tal rlqucrlm `fiil`tcfh fb chbfrdotcfh, chìumchg tarfuga tal usl

fb outfdotlm `fiil`tcfh tlàhcquls fr ftalr bfrds fb chbfrdotcfh tlàhfifgy: ohm

(l) lstcdotls fb òpctoi fr stort-up `fsts ohm `fsts fb fplrotcfh, dochtlhoh`l, ohm

puràosl fb slrvc`ls tf rlpfrt tal chbfrdotcfh.


19/21

?3

Oh oglh`y doy hft `fhmu`t fr spfhsfr, ohm o plrsfh cs hft rlqucrlm tf rlspfhm tf,

o `fiil`tcfh fb chbfrdotcfh uhilss ct mcspioys o voicm FDK `fhtrfi hudklr.

RCC. Lxl`utcvl Frmlr ?;122

Lxl`utcvl Frmlrs ?;122 ohm ?0

Outafrcty> ?; \.P.@. ?1;3k ohm ?3


20/21

;5

(?) Kohò Urcvomo m–Ohmfrro dlohs oii krohàls, fbbc`ls, ohm sukscmcorcls fb Kohò

Urcvomo m–Ohmfrro walrlvlr ifòtlm.

(;) @frrlspfhmlht o``fuht aos tal sodl dlohchg os prfvcmlm ch § ?5?5.25


21/21

trohso`tcfhoi rl`frms dochtochlm ch tal `fvlrlm bchoh`coi chstctutcfh–s hfrdoi `fursl fb

kuschlss.

(cc) O `fvlrlm bchoh`coi chstctutcfh saoii tojl o rcsj-koslm opprfoà walh ml`cmchg

waot, cb ohy, ftalr mul mcicglh`l dlosurls ct rlosfhokiy dust omfpt tf guorm ogochst tal

usl fb cts bfrlcgh `frrlspfhmlht o``fuhts tf prf`lss trohso`tcfhs chvfivchg Kohò Urcvomo

m–Ohmfrro.

(ccc) O `fvlrlm bchoh`coi chstctutcfh taot fktochs jhfwilmgl taot o bfrlcgh

`frrlspfhmlht o``fuht doy kl klchg uslm tf prf`lss trohso`tcfhs chvfivchg Kohò

Urcvomo m–Ohmfrro saoii tojl oii opprfprcotl stlps tf burtalr chvlstcgotl ohm prlvlht suà

o``lss, chìumchg tal hftcbcòtcfh fb cts `frrlspfhmlht o``fuht afimlr uhmlr porogropa

(k)(;)(c)(O) ohm, walrl hl`lssory, tlrdchotcfh fb tal `frrlspfhmlht o``fuht.

(0) [l`frmjllpchg ohm rlpfrtchg. (c) O `fvlrlm bchoh`coi chstctutcfh cs rlqucrlm tf

mfùdlht cts `fdpicoh`l wcta tal hftc`l rlqucrldlht slt bfrta ch porogropa (k)(;)(c)(O)

fb tacs sl`tcfh.

(cc) Hftachg ch tacs porogropa (k) saoii rlqucrl o `fvlrlm bchoh`coi chstctutcfh tf rlpfrt

ohy chbfrdotcfh hft ftalrwcsl rlqucrlm tf kl rlpfrtlm ky iow fr rlguiotcfh.

Motlm> Dorà 2, ;5?<

VVVVVVVVV/s/VVVVVVVVVVV

Nlhhcblr Paosjy @oivlryMcrl`tfrBchoh`coi @rcdls Lhbfr`ldlht Hltwfrj

Documents

US Treasury Rule Making on BPAndorra Money Laundering 6 March 2015