Guía para la interpretación y aplicación del concepto "Cliente del Cliente" | Argentina.gob.ar

https://www.argentina.gob.ar/noticias/guia-para-la-interpretacion-y-aplicacion-del-concepto-cliente-del-cliente-0
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gobierno, argentino, nacional, gobierno argentino, gobierno nacional, República Argentina, administración, gestión, pública, administración pública, gestión pública, digital, trámites, servicios, trámites en línea, gobierno digital, servicios en línea, servicios digitales, Estado, transparencia, ciudadanos, modernización, organismo, organismo público, organismos públicos, organismos, beneficios, beneficios

2026-08-14 08:29:43 · rghosh@vixio.com
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En el marco del trabajo conjunto continuo de la Comisión Nacional de Valores (CNV) y la Unidad de Información Financiera (UIF), compartimos la “Guía para la interpretación y aplicación del concepto ‘Cliente del Cliente’”, una herramienta destinada a brindar mayor claridad y criterios comunes para su correcta aplicación en materia de prevención del LA/FT/FP.

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TITLE: Argentina's Financial Intelligence Unit Publishes Guidance on Customer of Customer Concept BODY: On August 13, 2026, Argentina's Financial Intelligence Unit (UIF) and the Financial Supervisory Organisms (OCES) published guidance on interpreting and applying the "Customer of Customer" concept. The guidance provides clear criteria for managing risks in commercial relationships with clients that administer or operate third-party funds. The guidance clarifies that operating with third-party funds does not automatically result in a high-risk classification. Instead, authorities require case-by-case evaluation based on the activity, transaction volume, and controls applied. The document emphasises proportionate, reasonable, and documented application of identification and monitoring measures. A key principle is that the guidance promotes cooperation between obligated subjects and encourages justified and confidential information exchange, preventing compliance requirements from becoming parallel audits. The guidance aims to balance anti-money laundering, counter-terrorism financing, and proliferation financing (AML/CTF/FP) risk mitigation with financial inclusion protection, avoiding automatic approaches or disproportionate requirements. The UIF's Supervision Directorate developed the guidance in collaboration with the Central Bank of the Argentine Republic (BCRA), the National Securities Commission (CNV), the Insurance Superintendency of the Nation (SSN), and the National Institute of Associativism and Social Economy (INAES). The guidance applies to financial entities, payment operators, capital market agents, insurance companies, mutual associations, and cooperatives. This initiative strengthens public-private cooperation, unifies criteria across system actors, and provides greater regulatory predictability for Argentina's national preventive scheme. REFERENCES: Argentina Ministry of Justice and Human Rights: https://www.argentina.gob.ar/
  • ✓ Scraped:2026-08-14 08:29:43
  • ✓ Created:2026-08-14 08:29:43
  • ✓ By:rghosh@vixio.com (52)