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Country or Territory
Afghanistan (Taliban)
Aland Islands
Alderney (Channel Islands)
Algeria
Andorra
Angola (UNITA)
Anguilla
Antigua & Barbuda
Argentina
Aruba
Australia
Austria
CUSTOMER IDENTIFICATION PROGRAM QUICK REFERENCE CHART
COUNTRIES OF CONCERN UPDATED MARCH 17, 2015
2. State
3. Major Money
4. Tax
1. OFAC
5. FATF AML/CFT
Sponsor of
Laundering
Havens/
& FinCEN
Sanctioned
Terrorism
Country
IMF & USDS
MMLC
X**
USDS UC
MMLC
MMLC
MMLC
MMLC
MMLC
Bahamas
Balkans
Bangladesh
Barbados
Belarus
Belgium
BALKANS
MMLC
Benin
Bermuda
Bhutan
Bolivia
Botswana
USDS UC
MMLC
USDS UC
MMLC
USDS UC
MMLC
Brazil
IMF OFC
X**
X**
IG
IG, BMPE
X*
IG
IG
IG
IMF OFC
USDS OFC
BP
TIP
TIP
BP
IG
IG
IMF OFC
USDS OFC
IMF OFC
TIP
IG, BMPE
IMF OFC
TIP
MMLC
MMLC
CAR
MMLC
Caymen Islands
Chile
China
Colombia
Comoros
Congo, Democratic Republic
Cook Islands
Costa Rica
Côte d'Ivoire (Ivory Coast)
Cuba
Curacao
Cyprus
Czech Republic
Denmark
Dominica
Dominican Republic
Ecuador
Egypt
Equatorial Guinea
Eritrea
Estonia
Ethiopia
Fiji
Finland
France
Gambia
Germany
Gibraltar
Grand River Mohawk Lands
Greece
Grenada
Guatemala
Guernsey (Channel Islands)
Guinea
Guinea -Bissau
Guyana
Haiti
Hong Kong
Hungary
IMF OFC
BP, T3TIP
IG
IMF OFC
USDS OFC
MMLC, USDS UC
MMLC
DRCONGO
COTED
X
MMLC
X
USDS UC
MMLC
MMLC
IMF OFC
X**
IMF OFC
MMLC
X*
FinCEN
USDS UC
USDS UC
X**
MMLC
MMLC
IMF OFC
MMLC
MMLC
MMLC
USDS UC
MMLC
MMLC
MMLC
7. Other Concerns
(See Legend)
BP, ST, TIP
IG
IG
T3TIP
IG
BP, TIP
BELARUS
Belize
British Virgin Islands
Brunei
Cambodia
Canada
Central African Republic
IMF OFC
6. Section
311
ML Concerns
IG
DF
IG, BMPE
IG, TIP
BP, T3TIP
IG
IG
BP
T3TIP
IG, DF
IG
IG, TIP
IG
EC, IG
IG
T3TIP
T3TIP
IG
TIP
IG
IG
T3TIP
IG
IG
IG
IG
IG, BMPE
IMF OFC
X**
T3TIP
DF
IG
Country or Territory
Hutt River Principality
Iceland
India
Indonesia
Iran
Iraq
Ireland
Isle of Man (UK)
Israel
Italy
Jamaica
Japan
Jersey (Channel Islands)
Kahnawake (Canada)
Kalmykia
Kazakhstan
Kenya
Korea, Republic of
Kuwait
Lao PDR (Laos)
Latvia
Lebanon
Liberia (Diamonds)
Libya
Liechtenstein
Lithuania
Luxembourg
Macao SAR
Madagascar
Malaysia
Maldives
Malta
Marshall Islands
Mauritania
Mauritius
Mexico
Micronesia, Federated States of
Monaco
Montserrat
Myanmar (Burma)
Nauru
Nepal
Netherlands
Netherlands Antilles
Niger
Nigeria
Norfolk Island
North Korea (DPRK)
Norway
Pakistan
Palau
Panama
Papua New Guinea
Paraguay
Philippines
Poland
Portugal
Russian Federation
Samoa
Saudi Arabia
Serbia
Seychelles
Sierra Leone
Singapore
Slovakia
Slovenia
Solomon Islands
Somalia
South Africa
South Korea
South Sudan
Spain
Sri Lanka
CUSTOMER IDENTIFICATION PROGRAM QUICK REFERENCE CHART
COUNTRIES OF CONCERN UPDATED MARCH 17, 2015
2. State
3. Major Money
4. Tax
1. OFAC
5. FATF AML/CFT
Sponsor of
Laundering
Havens/
& FinCEN
Sanctioned
Terrorism
Country
IMF & USDS
X
IRAQ2 & IRAQ3
X
MMLC
MMLC
MMLC, USDS UC
MMLC
MMLC
MMLC
MMLC
MMLC
MMLC
6. Section
311
ML Concerns
X**
X & FinCEN
X**
IG
IG
IG
IG
IG
TIP
IG
IG
IG
IG
IMF OFC
MMLC
LEBANON
LIBERIA
LIBYA2
X**
USDS UC
MMLC
FinCEN
MMLC, USDS UC
MMLC
USDS UC
MMLC
USDS UC
MMLC, USDS UC
USDS UC
USDS UC
MMLC
USDS UC
MMLC
X
IMF OFC
USDS OFC
IMF OFC
MMLC
USDS UC
MMLC
MMLC
MMLC
SOMALIA
MMLC, USDS UC
SOUTH SUDAN
USDS UC
MMLC
IG
Entities
IG
T3TIP
IG
IG
IG
IG
T3TIP
TIP
IG
TIP
T3TIP
IG
BMPE
IMF OFC
IMF OFC
IG
X*
X + Entities
BP
IG, TIP
IMF OFC
IG
X & FinCEN
IMF OFC
IMF OFC
IMF OFC
IMF OFC
MMLC, USDS UC
TIP
T3TIP
IMF OFC
USDS UC
MMLC
IG
IG
IG
T3TIP
IMF OFC
USDS UC
MMLC
MMLC
7. Other Concerns
(See Legend)
X**
X**
IG
IG, BP, T3TIP
IG
TIP
TIP
IG, DF
T3TIP
IG, BMPE
IG
IG
IG
IG, T3TIP
T3TIP
IG
IG
TIP
IG, TIP
IG
IG
IG, TIP
TIP
IG
IG, DF
TIP
IG, DF
TIP
Country or Territory
St. Kitts & Nevis
St. Lucia
St. Maarten
St. Vincent & the Grenadines
Sudan
Swaziland
Sweden
Switzerland
Syria
Taiwan
Tajikistan
Tanzania
Tasmania
Thailand
Tonga
Tunisia
Turkey
Turks & Caicos
Uganda
Ukraine
United Arab Emirates
United Kingdom
Uruguay
US Virgin Islands
Uzbekistan
Vanuatu
Venezuela
Vietnam
Yemen
Zimbabwe
CUSTOMER IDENTIFICATION PROGRAM QUICK REFERENCE CHART
COUNTRIES OF CONCERN UPDATED MARCH 17, 2015
2. State
3. Major Money
4. Tax
1. OFAC
5. FATF AML/CFT
Sponsor of
Laundering
Havens/
& FinCEN
Sanctioned
Terrorism
Country
IMF & USDS
6. Section
311
ML Concerns
MMLC
SUDAN
X
X
X
X**
MMLC
USDS UC
MMLC
X** & FinCEN
X**
MMLC
MMLC
UKRAINE-EO...
MMLC
MMLC, USDS UC
MMLC
MMLC
MMLC
YEMEN
ZIMBABWE
MMLC
IMF OFC
FinCEN
X**
X**
USDS OFC
IMF OFC
X**
Entities
7. Other Concerns
(See Legend)
EC, IG
IG
IG
BP, TIP
IG
IG
IG
BP, T3TIP
IG
IG
IG
T3TIP
TIP
IG
TIP
IG
BMPE
IG
T3TIP
IG
IG, BMPE, T3TIP
IG
BP, T3TIP
BP, T3TIP
Legend:
1. Office of Foreign Assets Control (OFAC) Sanctioned Countries http://www.treas.gov/ofac. OFAC maintains a country sanctions webpage with active links to detailed
information about each. If the country tag is listed in column 1 rather than an “X”, the sanction program is not all encompassing and impacts only transactions with or
benefitting designated persons. Each individual country tag (e.g. YEMEN, SUDAN) in column 1 is hyperlinked to the webpage dedicated to that country’s sanction programs.
Countries with broad prohibitions are indicated in Column 1 with an “X.” The country name in the first column is hyperlinked to the webpage detailing the country’s sanctions.
2. US Department of State Designation as State Sponsors of Terrorism: Countries determined by the Secretary of State to have repeatedly provided support for acts of
international terrorism are designated as State Sponsors of Terrorism. For more details about State Sponsors of Terrorism, see "Overview of State Sponsored Terrorism" in
the US State Department’s Country Reports on Terrorism.
3. US Department of State's Bureau for International Narcotics and Law Enforcement Affairs, March 2014 Major Money Laundering Countries (MMLC) are areas where banks
engage in significant transactions involving serious crime proceeds. It is not an assessment of the area's legal framework to combat money laundering (ML); its role in
terrorist financing (TF); or the degree of its cooperation in the international fight against ML and TF. Additionally, the Bureau has identified areas still uncooperative with
international law enforcement and/or have not yet criminalized TF (Comparative Table in Volume II) and are identified on our report as ”USDS UC.”
4A. Organization for Economic Cooperation and Development Designation as Uncooperative Tax Haven (UTH). There are none as of October 2014.
4B. International Monetary Fund (IMF) Offshore Financial Centers (OFC) last published an official list of OFC’s in March 2004. These countries are still listed as additional
country considerations and identified using “IMF OFC” as a point of reference. The IMF integrated OFC assessment with the Financial Sector Assessment Program (FSAP),
a joint effort of IMF and the World Bank. The focus of FSAP assessments is twofold: to gauge the stability of the financial sector and to assess its potential contribution to
growth and development, listed at Jurisdictions with Systemically Important Financial Sectors. These countries are important to stability in our overall global economy, but are
not considered higher AML/CFT and are therefore not listed on this chart.
4C. The International Narcotics Control Strategy Report (INCSR) is an annual report by the Department of State. The report provides a snapshot of the AML/CFT infrastructure of
each country or jurisdiction and its capacity to share information and cooperate in international investigations. Countries of primary concern identified by the US State
Department as still being offshore financial centers in the 2014 Report’s Volume II are listed as “USDS OFC.”
5. Financial Action Task Force (FATF) does not have any jurisdictions listed as Non-Cooperative Countries or Territories (NCCT) as of this update. The countries indicated
above are identified as jurisdictions with strategic Anti-Money Laundering or Combating the Financing of Terrorism (AML/CFT) deficiencies. Refer to recent FinCEN
Advisories in addition to earlier advisories and other FATF guidance for details and updates. FinCEN designation indicates countries involved in recent events that elevate
the risk of increased assets movement or illicit finance threats. X** = Jurisdictions with AML/CFT deficiencies. X* = Jurisdictions have strategic AML/CFT deficiencies
and have not made sufficient progress addressing deficiencies. X = Countries having made significant progress addressing identified strategic AML/CFT deficiencies.
6. USA PATRIOT Act Section 311 authorized Treasury’s designation of jurisdictions as "Primary Money Laundering Concern" to enforce Special Measures for Jurisdictions,
Financial Institutions, or International Transactions. “Entities” in this column indicates the country is not designated, but specifically identified entities within the country are.
7. International Monetary Fund summary of OFC services last published March 2004 and the State Department's listing of OFC services EC= Sells Economic Citizenship; IG
= Internet Gaming; ST = Commit, threaten to commit, or support terrorism; BP - Blocked Property. To compile a comprehensive list of jurisdictions allowing Internet
Gambling, several sources were consulted. The GAO Report to Congress on Internet Gambling, December 2002, as well as comprehensive lists found on Casino City and
Internet Gambling - Google Answers. Countries in the State Department’s 2014 Human Trafficking Report (TIP) that are NOT States Parties to the Protocol to Prevent,
Suppress and Punish Trafficking In Persons, Especially Women and Children, Supplementing the United Nations Convention Against Transnational Organized Crime are
identified as “TIP.” The additional designation of "T3TIP" denotes Countries whose governments do not fully comply with the minimum standards and are not making
significant efforts to do so. BMPE = Countries with Black Market Peso Exchange activity and DF = Duty Free trade zones which may be used in trade-based money
laundering as highlighted in FinCEN 2010-A001.
NOTE: For reference only in complying with BSA/AML regulations. Not legal advice.