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FFIEC BSA/AML Examination Manual

United States

2005

AML/CFT

Overview

The Federal Financial Institutions Examination Council (FFIEC) first issued the BSA/AML Examination Manual in 2005, with the most recent updates released in 2020. The manual provides standardized guidance for federal and state examiners to assess how well financial institutions comply with the Bank Secrecy Act (BSA), the USA PATRIOT Act, and related AML/CFT regulations. It outlines examination procedures, risk-based approaches, and core program requirements, ensuring consistency across supervisory reviews.

The manual applies to all regulated U.S. financial institutions, particularly banks, credit unions, savings associations, and trust companies supervised by the federal banking agencies. It also serves as a reference for BSA/AML officers, compliance teams, and auditors, helping them prepare for regulatory examinations, strengthen internal programs, and align practices with examiner expectations.

Key Obligations

FAQ

Related Regulations

Bank Secrecy Act AML Law

USA PATRIOT Act AML Provisions

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