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Core Points - The new regulation, titled "Measures for Customer Due Diligence and Customer Identity Information and Transaction Record Management by Financial Institutions," will take effect on January 1, 2026, after being approved by the People's Bank of China and other regulatory bodies [1][4][10] - The regulation eliminates the previous requirement for individuals to register the source of funds for cash withdrawals exceeding 50,000 yuan, aligning with the feedback received during the public consultation phase [4][6][10] - Financial institutions are now required to adopt a risk-based approach in customer due diligence, allowing them to simplify procedures for low-risk transactions while enhancing scrutiny for high-risk cases [5][10][11] Summary by Sections Regulation Overview - The regulation aims to prevent money laundering and terrorist financing, establishing guidelines for customer due diligence and record-keeping for various financial institutions, including banks, securities firms, and insurance companies [10][13][14] Customer Due Diligence - Financial institutions must identify and verify the identity of customers and their beneficial owners, taking into account the nature and risk of transactions [5][10][19] - Enhanced due diligence measures are required for high-risk situations, while simplified measures can be applied for low-risk scenarios [5][10][33] Record Keeping - Financial institutions are mandated to securely store customer identity information and transaction records for a minimum of 10 years after the end of the business relationship or transaction [45][46] - The regulation emphasizes the importance of maintaining accurate and complete records to facilitate monitoring and investigation of suspicious activities [45][46] Cross-Border Transactions - For cross-border remittances, financial institutions must verify the accuracy of remitter information for transactions exceeding 5,000 yuan or the equivalent of 1,000 USD [11][38] - This requirement reinforces existing international standards for remittance transactions [11][38] Implementation and Compliance - The regulation is seen as a practical measure to streamline processes for financial institutions while enhancing customer experience and compliance with anti-money laundering laws [6][10] - Financial institutions are expected to develop internal controls and regularly audit their compliance with the new requirements [15][16]