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High Risk Countries

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The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (the ‘MLRs’) require the UK regulated sector to apply enhanced customer due diligence in relation to high-risk third countries

The list of high-risk countries is set out in schedule 3ZA of the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.

The Money Laundering and Terrorist Financing (High-Risk Countries) (Amendment) (No. 2) Regulations  came into force on 5 December 2023 and substitutes the list of high-risk third countries specified in Schedule 3ZA and adds

  • Bulgaria
  • Cameroon
  • Croatia
  • Nigeria
  • South Africa
  • Vietnam

Removed from the list are:

  • Albania
  • Cayman Islands
  • Jordan
  • Panama

HM Treasury have also published an advisory notice on high-risk third countries.


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