{ "name": "Clientvo KYC Obligations", "title": "KYC Obligations", "url": "https://clientvo.com/datasets/kyc-obligations/", "csv": "https://clientvo.com/datasets/kyc-obligations.csv", "markdown": "https://clientvo.com/datasets/kyc-obligations/index.md", "computed_at": "2026-10-18", "license": "https://clientvo.com/terms", "headline": "The KYC Obligations carries 4 published figures read from 3 sources' own pages, from 15 to 25 percent, read 17 October 2026.", "quotes": [ "The KYC Obligations carries 4 published figures read from 3 sources' own pages, from 15 to 25 percent, read 17 October 2026.", "3 of the 15 named sources read in full publish a figure; 12 publish none, read 17 October 2026.", "KYC Obligations, jurisdiction United States: median 25 percent across 2 sources, read 17 October 2026.", "KYC Obligations, jurisdiction European Union: median 20 percent across 1 source, read 17 October 2026." ], "citation": "\"Clientvo KYC Obligations\", updated 2026-10-18, https://clientvo.com/datasets/kyc-obligations/.", "changed_since": null, "national": { "unit": "%", "n": 3, "median": 25, "min": 20, "max": 25, "p25": 20, "p75": 25, "mean": 23.3333, "units": { "%": 3 }, "published_sources": 3, "named_sources": 16, "read_sources": 15, "not_published": 12, "published_share": 0.2 }, "by_axis": { "jurisdiction": { "United States": { "%": { "n": 2, "median": 25, "min": 25, "max": 25, "p25": null, "p75": null, "mean": 25 } }, "European Union": { "%": { "n": 1, "median": 20, "min": 20, "max": 20, "p25": 20, "p75": 20, "mean": 20 } } } }, "rows": [ { "source": "FinCEN CDD Rule FAQs", "url": "https://www.fincen.gov/resources/statutes-and-regulations/cdd-rule-faqs", "figure": "25%", "value": 25, "unit": "%", "vat": null, "axis": { "jurisdiction": "United States" }, "retrieved_at": "2026-10-17", "quote": "Are there circumstances where covered financial institutions should consider collecting beneficial ownership information at a lower equity interest threshold under the AML program rules with regard to certain customers? When a legal entity is identified as owning 25% or more of a legal entity customer that is opening an account, is it necessary for a covered financial institution to request benefi", "source_class": "primary-government", "text_sha256": "7664cd7f2d9b75e6c7472832c9098597c84dc23bdc6ee7314cc5ff388eff545d" }, { "source": "Federal Register: Customer Due Diligence Requirements for Financial Institutions", "url": "https://www.federalregister.gov/documents/2016/05/11/2016-10567/customer-due-diligence-requirements-for-financial-institutions", "figure": "25 percent", "value": 25, "unit": "%", "vat": null, "axis": { "jurisdiction": "United States" }, "retrieved_at": "2026-10-17", "quote": "Many commenters supported FinCEN's decision in the proposal to set the minimum threshold for equity holdings constituting ownership at 25 percent.", "source_class": "primary-government", "text_sha256": "222dfa383add72244f05fbe7208332cc378b73cdda27b32e384f3499572b8a43" }, { "source": "Regulation (EU) 2024/1624 on EUR-Lex (CELEX)", "url": "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32024R1624", "figure": "25 %", "value": 25, "unit": "%", "vat": null, "axis": { "jurisdiction": "European Union" }, "retrieved_at": "2026-10-17", "quote": "An ownership of 25 % or more of the shares or voting rights or other ownership interest in general establishes the beneficial ownership of a corporate entity.", "source_class": "primary-government", "text_sha256": "5372eef16c495b7d6e4e0c06dacc9798d2fb52e31e1b726fee96ff5c7d5990f2" }, { "source": "Regulation (EU) 2024/1624 on EUR-Lex (CELEX)", "url": "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32024R1624", "figure": "15 %", "value": 15, "unit": "%", "vat": null, "axis": { "jurisdiction": "European Union" }, "retrieved_at": "2026-10-17", "quote": "To that end, that lower threshold should in general not be set at more than 15 % of the shares or voting rights or other ownership interest.", "source_class": "primary-government", "text_sha256": "5372eef16c495b7d6e4e0c06dacc9798d2fb52e31e1b726fee96ff5c7d5990f2" } ], "not_published": [ { "source": "31 CFR 1010.230 beneficial ownership requirements for legal entity customers", "url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-B/section-1010.230", "retrieved_at": "2026-10-17", "reason": "read in full and no accepted figure on the page" }, { "source": "31 CFR 1020.220 customer identification program for banks", "url": "https://www.ecfr.gov/current/title-31/section-1020.220", "retrieved_at": "2026-10-17", "reason": "read in full and no accepted figure on the page" }, { "source": "FFIEC BSA/AML manual: beneficial ownership requirements", "url": "https://bsaaml.ffiec.gov/manual/AssessingComplianceWithBSARegulatoryRequirements/03", "retrieved_at": "2026-09-12", "reason": "every candidate on the page was refused" }, { "source": "Money Laundering Regulations 2017 regulation 28 (customer due diligence measures)", "url": "https://www.legislation.gov.uk/uksi/2017/692/regulation/28", "retrieved_at": "2026-10-17", "reason": "read in full and no accepted figure on the page" }, { "source": "Money Laundering Regulations 2017 regulation 33 (enhanced due diligence)", "url": "https://www.legislation.gov.uk/uksi/2017/692/regulation/33", "retrieved_at": "2026-10-17", "reason": "read in full and no accepted figure on the page" }, { "source": "Money Laundering Regulations 2017 (contents)", "url": "https://www.legislation.gov.uk/uksi/2017/692/contents", "retrieved_at": "2026-10-17", "reason": "read in full and no accepted figure on the page" }, { "source": "FCA Handbook SYSC 6.3 financial crime", "url": "https://www.handbook.fca.org.uk/handbook/SYSC/6/3.html", "retrieved_at": "2026-10-17", "reason": "read in full and no accepted figure on the page" }, { "source": "JMLSG current guidance", "url": "https://www.jmlsg.org.uk/guidance/current-guidance/", "retrieved_at": "2026-10-17", "reason": "read in full and no accepted figure on the page" }, { "source": "Regulation (EU) 2024/1624 (AMLR), consolidated text", "url": "https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng", "retrieved_at": "2026-10-17", "reason": "every candidate on the page was refused" }, { "source": "MAS Notice 626 (banks): prevention of money laundering and CFT", "url": "https://www.mas.gov.sg/regulation/notices/notice-626", "retrieved_at": "2026-09-12", "reason": "read in full and no accepted figure on the page" }, { "source": "FATF Recommendations", "url": "https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html", "retrieved_at": "2026-10-10", "reason": "read in full and no accepted figure on the page" }, { "source": "FATF Recommendations (topic page)", "url": "https://www.fatf-gafi.org/en/topics/fatf-recommendations.html", "retrieved_at": "2026-10-10", "reason": "read in full and no accepted figure on the page" } ], "sources": [ { "url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-B/section-1010.230", "label": "31 CFR 1010.230 beneficial ownership requirements for legal entity customers", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.ecfr.gov/current/title-31/section-1020.220", "label": "31 CFR 1020.220 customer identification program for banks", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fincen.gov/resources/statutes-and-regulations/cdd-rule-faqs", "label": "FinCEN CDD Rule FAQs", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.federalregister.gov/documents/2016/05/11/2016-10567/customer-due-diligence-requirements-for-financial-institutions", "label": "Federal Register: Customer Due Diligence Requirements for Financial Institutions", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://bsaaml.ffiec.gov/manual/AssessingComplianceWithBSARegulatoryRequirements/03", "label": "FFIEC BSA/AML manual: beneficial ownership requirements", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.legislation.gov.uk/uksi/2017/692/regulation/28", "label": "Money Laundering Regulations 2017 regulation 28 (customer due diligence measures)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.legislation.gov.uk/uksi/2017/692/regulation/33", "label": "Money Laundering Regulations 2017 regulation 33 (enhanced due diligence)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.legislation.gov.uk/uksi/2017/692/contents", "label": "Money Laundering Regulations 2017 (contents)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.handbook.fca.org.uk/handbook/SYSC/6/3.html", "label": "FCA Handbook SYSC 6.3 financial crime", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.jmlsg.org.uk/guidance/current-guidance/", "label": "JMLSG current guidance", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng", "label": "Regulation (EU) 2024/1624 (AMLR), consolidated text", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32024R1624", "label": "Regulation (EU) 2024/1624 on EUR-Lex (CELEX)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.mas.gov.sg/regulation/notices/notice-626", "label": "MAS Notice 626 (banks): prevention of money laundering and CFT", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html", "label": "FATF Recommendations", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.fatf-gafi.org/en/topics/fatf-recommendations.html", "label": "FATF Recommendations (topic page)", "license": "the publisher's own terms; quoted for reporting and comment" }, { "url": "https://www.austrac.gov.au/business/core-guidance/customer-identification-and-verification", "label": "AUSTRAC customer identification and verification core guidance", "license": "the publisher's own terms; quoted for reporting and comment" } ], "methodology": "Every row is a verbatim sentence read from the named source's own page through our fetch service on the date shown, hash-pinned to the stored read (the sha of the page's visible text; the raw page is mirrored to R2). 3 of the 15 named sources that could be read published a usable figure; 12 published none and are recorded as not published, never filled in; 1 could not be read (blocked, dead or unreachable) and count nowhere. The headline figures (median, minimum, maximum, quartiles) are over ONE figure per source in % (a source's median where its page yielded several accepted sentences), so N counts sources, never sentences; 38 candidate sentence(s) were refused by a reviewer with the reason recorded. The fuller derivation this dataset is chartered to grow into (not yet what the figures above are; they are each source's own published figure as read): one row per jurisdiction per obligation, quoted verbatim from the instrument or the supervisor's own guidance with its effective date: who is an obliged entity, what must be identified and verified before the relationship starts, the beneficial-ownership threshold, what triggers simplified, standard and enhanced due diligence, the ongoing-monitoring and refresh rule, and the record-retention period. The derivation is the cross-jurisdiction comparison nobody publishes as one table - the beneficial-ownership threshold and the EDD trigger list side by side across seven regimes, which regimes name a fixed refresh cycle and which require risk-based perpetual KYC, and changed-since, which is the news every time a rulebook turns (the EU's single rulebook applies from 10 July 2027; Australia's CDD reform runs a transition to 30 March 2029).", "embed": "

20 to 25 percent

3 published figures, KYC Obligations, across 3 sources, read 17 October 2026

Source: Clientvo KYC Obligations
" }