{"abstract":"FinCEN is amending the Anti-Money Laundering/Countering the Financing of Terrorism (AML/CFT) Program and Suspicious Activity Report (SAR) Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers (IA AML Rule) to delay the effective date by two years. As part of this delay, FinCEN is amending the date by which an investment adviser must develop and implement an AML/CFT program.","action":"Final rule.","agencies":[{"raw_name":"DEPARTMENT OF THE TREASURY","name":"Treasury Department","id":497,"url":"https://www.federalregister.gov/agencies/treasury-department","json_url":"https://www.federalregister.gov/api/v1/agencies/497","parent_id":null,"slug":"treasury-department"},{"raw_name":"Financial Crimes Enforcement Network","name":"Financial Crimes Enforcement Network","id":194,"url":"https://www.federalregister.gov/agencies/financial-crimes-enforcement-network","json_url":"https://www.federalregister.gov/api/v1/agencies/194","parent_id":497,"slug":"financial-crimes-enforcement-network"}],"body_html_url":"https://www.federalregister.gov/documents/full_text/html/2026/01/02/2025-24184.html","cfr_references":[{"chapter":null,"citation_url":null,"part":1010,"title":31},{"chapter":null,"citation_url":null,"part":1032,"title":31}],"citation":"91 FR 36","comment_url":null,"comments_close_on":null,"correction_of":null,"corrections":[],"dates":"As of December 31, 2025, the effective date of the rule published September 4, 2024, at 89 FR 72156 is delayed until January 1, 2028. This rule is effective January 1, 2028.","disposition_notes":null,"docket_ids":[],"dockets":[{"supporting_documents":[],"agency_name":"FINCEN","documents":[{"comment_count":0,"comment_start_date":"2026-01-02","updated_at":"2026-01-02T08:55:39.571-05:00","comment_url":"https://www.regulations.gov/commenton/FINCEN_FRDOC_0001-0232","allow_late_comments":false,"id":"FINCEN_FRDOC_0001-0232","comment_end_date":null,"regulations_dot_gov_open_for_comment":false}],"supporting_documents_count":0,"id":"FINCEN_FRDOC_0001","title":"Recently Posted FINCEN Rules and Notices."}],"document_number":"2025-24184","effective_on":"2028-01-01","end_page":41,"executive_order_notes":null,"executive_order_number":null,"explanation":null,"full_text_xml_url":"https://www.federalregister.gov/documents/full_text/xml/2026/01/02/2025-24184.xml","html_url":"https://www.federalregister.gov/documents/2026/01/02/2025-24184/delaying-the-effective-date-of-the-anti-money-launderingcountering-the-financing-of-terrorism","images":{},"images_metadata":{},"json_url":"https://www.federalregister.gov/api/v1/documents/2025-24184?publication_date=2026-01-02","mods_url":"https://www.govinfo.gov/metadata/granule/FR-2026-01-02/2025-24184/mods.xml","not_received_for_publication":null,"page_length":6,"page_views":{"count":6864,"last_updated":"2026-05-02 10:15:04 -0400"},"pdf_url":"https://www.govinfo.gov/content/pkg/FR-2026-01-02/pdf/2025-24184.pdf","presidential_document_number":null,"proclamation_number":null,"public_inspection_pdf_url":"https://public-inspection.federalregister.gov/2025-24184.pdf?1767188714","publication_date":"2026-01-02","raw_text_url":"https://www.federalregister.gov/documents/full_text/text/2026/01/02/2025-24184.txt","regulation_id_number_info":{"1506-AB58":{"issue":"202404","html_url":"https://www.federalregister.gov/regulations/1506-AB58/anti-money-laundering-program-and-suspicious-activity-report-filing-requirements-for-investment-advi","title":"Anti-Money Laundering Program and Suspicious Activity Report Filing Requirements for Investment Advisers","xml_url":"http://www.reginfo.gov/public/do/eAgendaViewRule?pubId=202404&RIN=1506-AB58&operation=OPERATION_EXPORT_XML","priority_category":"Section 3(f)(1) Significant"},"1506-AB69":null},"regulation_id_numbers":["1506-AB58","1506-AB69"],"regulations_dot_gov_info":{"supporting_documents":[],"comments_count":0,"agency_id":"FINCEN","comments_url":"https://www.regulations.gov/docketBrowser?rpp=50&so=DESC&sb=postedDate&po=0&dct=PS&D=FINCEN_FRDOC_0001","supporting_documents_count":0,"docket_id":"FINCEN_FRDOC_0001","document_id":"FINCEN_FRDOC_0001-0232","regulation_id_number":null,"title":"Recently Posted FINCEN Rules and Notices.","checked_regulationsdotgov_at":"2026-01-14T22:55:03Z"},"regulations_dot_gov_url":null,"significant":false,"signing_date":null,"start_page":36,"subtype":null,"title":"Delaying the Effective Date of the Anti-Money Laundering/Countering the Financing of Terrorism Program and Suspicious Activity Report Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers","toc_doc":"Anti-Money Laundering/Countering the Financing of Terrorism Program and Suspicious Activity Report Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers","toc_subject":null,"topics":["Administrative practice and procedure","Banks, banking","Banks, banking","Banks, banking","Banks, banking","Brokers","Reporting and recordkeeping requirements","Securities","Small businesses"],"type":"Rule","volume":91}