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Home/Regulations/Bank Secrecy Act (BSA) — Regulatory Reference
Regulatory Reference
Financial Services Federal (US) high

Bank Secrecy Act (BSA) — Regulatory Reference

AML compliance, CTRs, SAR filing — AI agents accessing transaction data need need-to-know enforcement and tamper-evident audit.

Key Provisions
  • 31 CFR Chapter X — FinCEN regulations implementing the BSA
  • Currency Transaction Reports (CTRs) for transactions over $10,000
  • Suspicious Activity Reports (SARs) — confidentiality of filing required
  • Customer Identification Program (CIP) and Customer Due Diligence (CDD) rules
How AutoPIL Enforces It
  • Pre-retrieval enforcement keeps AI agents out of SAR filings unless explicitly authorized — SAR confidentiality is a hard regulatory floor
  • Sensitivity ceilings classify CTR, SAR, and customer identification data at HIGH
  • Tamper-evident audit chain logs every AI access to AML data for regulator inspection
Audit LogPolicy EngineSensitivity LabelsAgent RegistryKey Scoping
AutoPIL Policy IDs
FS-BSA-SAR-001SAR Confidentiality Enforcement
FS-BSA-CTR-001CTR Data Access Logging
FS-BSA-CDD-001Customer Due Diligence Agent Scope
Official Sources
https://www.fincen.gov/resources/statutes-regulations/bank-secrecy-acthttps://www.ecfr.gov/current/title-31/subtitle-B/chapter-X

This page is a working reference and not a substitute for qualified legal review. Verify against official sources before use in compliance artifacts.

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