# KYC compliance: KYC Obligations

> The KYC Obligations carries 4 published figures read from 3 sources' own pages, from 15 to 25 percent, read 17 October 2026.

Clientvo · https://clientvo.com/datasets/kyc-obligations/ · computed 2026-10-18

**Range of the published figures:** 15 to 25 % (range 20 to 25 %; 3 sources with a figure; 3 of 15 sources read publish one).

3 of the 15 named sources read in full publish a figure; 12 publish none, read 17 October 2026.

## By jurisdiction

| Breakdown | Median | Range | Sources |
|---|---|---|---|
| jurisdiction United States | 25 % | 25 to 25 % | 2 |
| jurisdiction European Union | 20 % | 20 to 20 % | 1 |

## Every figure, with its source

One row per source: the figure the source's own page publishes, the page, and the day it was read.

| Source | Figure | Breakdown | Read |
|---|---|---|---|
| [FinCEN CDD Rule FAQs](https://www.fincen.gov/resources/statutes-and-regulations/cdd-rule-faqs) | 25 % | United States | 2026-10-17 |
| [Federal Register: Customer Due Diligence Requirements for Financial Institutions](https://www.federalregister.gov/documents/2016/05/11/2016-10567/customer-due-diligence-requirements-for-financial-institutions) | 25 % | United States | 2026-10-17 |
| [Regulation (EU) 2024/1624 on EUR-Lex (CELEX)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32024R1624) | 25 % | European Union | 2026-10-17 |
| [Regulation (EU) 2024/1624 on EUR-Lex (CELEX)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32024R1624) | 15 % | European Union | 2026-10-17 |

## The sentence each figure was read from (4)

- [FinCEN CDD Rule FAQs](https://www.fincen.gov/resources/statutes-and-regulations/cdd-rule-faqs), read 2026-10-17: "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"
- [Federal Register: Customer Due Diligence Requirements for Financial Institutions](https://www.federalregister.gov/documents/2016/05/11/2016-10567/customer-due-diligence-requirements-for-financial-institutions), read 2026-10-17: "Many commenters supported FinCEN's decision in the proposal to set the minimum threshold for equity holdings constituting ownership at 25 percent."
- [Regulation (EU) 2024/1624 on EUR-Lex (CELEX)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32024R1624), read 2026-10-17: "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."
- [Regulation (EU) 2024/1624 on EUR-Lex (CELEX)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32024R1624), read 2026-10-17: "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."

## Read in full, publishes no figure

- [31 CFR 1010.230 beneficial ownership requirements for legal entity customers](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-B/section-1010.230), read 2026-10-17: read in full and no accepted figure on the page
- [31 CFR 1020.220 customer identification program for banks](https://www.ecfr.gov/current/title-31/section-1020.220), read 2026-10-17: read in full and no accepted figure on the page
- [FFIEC BSA/AML manual: beneficial ownership requirements](https://bsaaml.ffiec.gov/manual/AssessingComplianceWithBSARegulatoryRequirements/03), read 2026-09-12: every candidate on the page was refused
- [Money Laundering Regulations 2017 regulation 28 (customer due diligence measures)](https://www.legislation.gov.uk/uksi/2017/692/regulation/28), read 2026-10-17: read in full and no accepted figure on the page
- [Money Laundering Regulations 2017 regulation 33 (enhanced due diligence)](https://www.legislation.gov.uk/uksi/2017/692/regulation/33), read 2026-10-17: read in full and no accepted figure on the page
- [Money Laundering Regulations 2017 (contents)](https://www.legislation.gov.uk/uksi/2017/692/contents), read 2026-10-17: read in full and no accepted figure on the page
- [FCA Handbook SYSC 6.3 financial crime](https://www.handbook.fca.org.uk/handbook/SYSC/6/3.html), read 2026-10-17: read in full and no accepted figure on the page
- [JMLSG current guidance](https://www.jmlsg.org.uk/guidance/current-guidance/), read 2026-10-17: read in full and no accepted figure on the page
- [Regulation (EU) 2024/1624 (AMLR), consolidated text](https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng), read 2026-10-17: every candidate on the page was refused
- [MAS Notice 626 (banks): prevention of money laundering and CFT](https://www.mas.gov.sg/regulation/notices/notice-626), read 2026-09-12: read in full and no accepted figure on the page
- [FATF Recommendations](https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html), read 2026-10-10: read in full and no accepted figure on the page
- [FATF Recommendations (topic page)](https://www.fatf-gafi.org/en/topics/fatf-recommendations.html), read 2026-10-10: read in full and no accepted figure on the page

## 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).

## Sources

- [31 CFR 1010.230 beneficial ownership requirements for legal entity customers](https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-B/section-1010.230) (the publisher's own terms; quoted for reporting and comment)
- [31 CFR 1020.220 customer identification program for banks](https://www.ecfr.gov/current/title-31/section-1020.220) (the publisher's own terms; quoted for reporting and comment)
- [FinCEN CDD Rule FAQs](https://www.fincen.gov/resources/statutes-and-regulations/cdd-rule-faqs) (the publisher's own terms; quoted for reporting and comment)
- [Federal Register: Customer Due Diligence Requirements for Financial Institutions](https://www.federalregister.gov/documents/2016/05/11/2016-10567/customer-due-diligence-requirements-for-financial-institutions) (the publisher's own terms; quoted for reporting and comment)
- [FFIEC BSA/AML manual: beneficial ownership requirements](https://bsaaml.ffiec.gov/manual/AssessingComplianceWithBSARegulatoryRequirements/03) (the publisher's own terms; quoted for reporting and comment)
- [Money Laundering Regulations 2017 regulation 28 (customer due diligence measures)](https://www.legislation.gov.uk/uksi/2017/692/regulation/28) (the publisher's own terms; quoted for reporting and comment)
- [Money Laundering Regulations 2017 regulation 33 (enhanced due diligence)](https://www.legislation.gov.uk/uksi/2017/692/regulation/33) (the publisher's own terms; quoted for reporting and comment)
- [Money Laundering Regulations 2017 (contents)](https://www.legislation.gov.uk/uksi/2017/692/contents) (the publisher's own terms; quoted for reporting and comment)
- [FCA Handbook SYSC 6.3 financial crime](https://www.handbook.fca.org.uk/handbook/SYSC/6/3.html) (the publisher's own terms; quoted for reporting and comment)
- [JMLSG current guidance](https://www.jmlsg.org.uk/guidance/current-guidance/) (the publisher's own terms; quoted for reporting and comment)
- [Regulation (EU) 2024/1624 (AMLR), consolidated text](https://eur-lex.europa.eu/eli/reg/2024/1624/oj/eng) (the publisher's own terms; quoted for reporting and comment)
- [Regulation (EU) 2024/1624 on EUR-Lex (CELEX)](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32024R1624) (the publisher's own terms; quoted for reporting and comment)
- [MAS Notice 626 (banks): prevention of money laundering and CFT](https://www.mas.gov.sg/regulation/notices/notice-626) (the publisher's own terms; quoted for reporting and comment)
- [FATF Recommendations](https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Fatf-recommendations.html) (the publisher's own terms; quoted for reporting and comment)
- [FATF Recommendations (topic page)](https://www.fatf-gafi.org/en/topics/fatf-recommendations.html) (the publisher's own terms; quoted for reporting and comment)
- [AUSTRAC customer identification and verification core guidance](https://www.austrac.gov.au/business/core-guidance/customer-identification-and-verification) (the publisher's own terms; quoted for reporting and comment)

## Cite or embed

- 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.

Cite as: "Clientvo KYC Obligations", updated 2026-10-18, https://clientvo.com/datasets/kyc-obligations/.

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