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<classification authority="sudocs">GA 1.13:GAO-05-412</classification>
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 <subject>Consumer protection</subject>
 <subject>Federal regulations</subject>
 <subject>Financial institutions</subject>
 <subject>Identity verification</subject>
 <subject>Interagency relations</subject>
 <subject>Law enforcement agencies</subject>
 <subject>Federal law</subject>
 <subject>Program management</subject>
 <subject>Strategic planning</subject>
 <subject>Information sharing</subject>
 <subject>Customer Identification Program</subject>
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<titleInfo>
 <title>USA Patriot Act: Additional Guidance Could Improve Implementation of Regulations Related to Customer Identification and Information Sharing Procedures</title>
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<abstract>Title III of the USA PATRIOT Act of 2001, passed after the
September 11 terrorist attacks, amended U.S. anti-money 	 
laundering laws and imposed new requirements on financial	 
institutions. Section 326 of the act required the development of 
minimum standards for verifying the identity of financial	 
institution customers. Section 314 required the development of	 
regulations encouraging the further sharing of information	 
between law enforcement agencies and the financial industry and  
between the institutions themselves. Because of concerns about	 
the implementation of these new provisions, GAO determined how	 
(1) the government developed the regulations, educated the	 
financial industry on them, and challenges it encountered; (2)	 
regulators have updated guidance, trained examiners, and examined
firms for compliance; and (3) the new regulations have affected  
law enforcement investigations.</abstract>
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 <topic>Federal regulations</topic>
 <topic>Financial institutions</topic>
 <topic>Identity verification</topic>
 <topic>Interagency relations</topic>
 <topic>Law enforcement agencies</topic>
 <topic>Federal law</topic>
 <topic>Program management</topic>
 <topic>Strategic planning</topic>
 <topic>Information sharing</topic>
 <topic>Customer Identification Program</topic>
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  <partNumber>Title 12 Section 1818(s)</partNumber>
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  <title>United States Statutes at Large</title>
  <partNumber>Volume 84 Page 1114</partNumber>
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  <title>United States Statutes at Large</title>
  <partNumber>Volume 115 Page 272</partNumber>
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 <identifier type="Statute citation">115 Stat. 272</identifier>
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  <title>United States Public Law 508 (91st Congress)</title>
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