هندوراس KYC, KYB & AML compliance checklist
قائمة عملية وموثقة بالمصادر لتنفيذ متطلبات KYC وKYB وAML في هندوراس.
- تاريخ آخر مراجعة
- تاريخ آخر مراجعة:
- الإصدار
- الإصدار 1.0
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ هندوراس؟
تحوّل قائمة هندوراس قواعد KYC وKYB وAML الأساسية إلى 11 مجالات رقابية و35 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- FIU
- Unidad de Inteligencia Financiera (UIF), attached to the CNBS Presidency
- Primary framework
- Decree 144-2014; CNBS Resolution SB 348/27-04-2016
- Suspicion reporting
- To UIF regardless of amount; reconcile immediate statutory duty with 60/30-day regulatory case limits
- Periodic reports
- BCH-set thresholds; generally due within first 10 business days of the following month
- Retention
- At least 5 years after the relationship or transaction, as applicable
- FATF status
- Not on FATF public lists dated 13 February 2026; recheck live lists
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في هندوراس
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Scope, authorities, and licensingClassify each entity, activity and delivery model before applying sector rules.3 عناصر+
Determine whether each activity is a supervised financial activity, APNFD or other obliged activity.
- إجراء التنفيذ
- Map services and entities against Decrees 144-2014 and 131-2014 and the current CNBS, UIF/URMOPRELAFT and sector rules; obtain advice for uncertain scope.
- الأدلة الواجب الاحتفاظ بها
- Applicability memo, service map and authority or counsel confirmation.
- المصدر الأساسي
- Decree 144-2014 arts. 2, 18-19; Decree 131-2014
Treat UIF as the national financial intelligence unit and reporting recipient.
- إجراء التنفيذ
- Register the compliance officer and approved reporting channels, test access and maintain current UIF contact and submission procedures.
- الأدلة الواجب الاحتفاظ بها
- Registration, access test, appointments and channel procedure.
- المصدر الأساسي
- Decree 144-2014 arts. 27-30
Obtain required authorisation before regulated financial, remittance, payment or electronic-money activity.
- إجراء التنفيذ
- Classify the product under CNBS and BCH rules and secure the necessary licence, registration or approval before launch.
- الأدلة الواجب الاحتفاظ بها
- Licence analysis, approval and permitted-activity register.
- المصدر الأساسي
- Financial System Law; BCH electronic-money and payment rules; CNBS supervisory inventory
02Governance and risk assessmentThe prevention system must be proportionate, documented and overseen by accountable management.3 عناصر+
Maintain a board-approved, risk-based compliance programme.
- إجراء التنفيذ
- Cover policies, sanctions, ethics, training, monitoring and independent internal and external review; refresh for products and risk changes.
- الأدلة الواجب الاحتفاظ بها
- Board approvals, programme, training and audit reports.
- المصدر الأساسي
- Decree 144-2014 arts. 6, 10; CNBS Resolution SB 348/2016 arts. 5, 17-24
Appoint an independent senior compliance officer and appropriate committee or unit.
- إجراء التنفيذ
- Document authority, resources, access, reporting line, substitution and UIF notification; justify any permitted proportional structure.
- الأدلة الواجب الاحتفاظ بها
- Appointments, UIF notice, job descriptions and minutes.
- المصدر الأساسي
- Decree 144-2014 art. 9; CNBS Resolution SB 348/2016 arts. 4-12
Assess customer, product, channel and geographic risks continuously.
- إجراء التنفيذ
- Maintain enterprise and customer risk models, validate controls and record enhanced or simplified measures only where supported.
- الأدلة الواجب الاحتفاظ بها
- Risk assessment, model governance, scores and control mapping.
- المصدر الأساسي
- Decree 144-2014 art. 6; CNBS Resolution SB 348/2016 chs. V-VI
03Natural-person identificationIdentify and verify customers, users and representatives from reliable independent evidence.4 عناصر+
Identify and verify each customer before or during establishment of the relationship under the approved risk procedure.
- إجراء التنفيذ
- Collect official identity, address, occupation, economic activity, purpose and expected activity; authenticate documents and resolve inconsistencies.
- الأدلة الواجب الاحتفاظ بها
- Identity file, verification result, profile and approval.
- المصدر الأساسي
- Decree 144-2014 art. 7; CNBS Resolution SB 348/2016 arts. 27-30
Apply CDD to customers and occasional users without treating a reporting threshold as a safe harbour.
- إجراء التنفيذ
- Configure relationship, transaction, suspicion and unreliable-data triggers; apply enhanced checks where risk requires.
- الأدلة الواجب الاحتفاظ بها
- CDD trigger matrix, linked-transaction logic and case files.
- المصدر الأساسي
- Decree 144-2014 arts. 6-7; CNBS Resolution SB 348/2016 arts. 27-35
Do not maintain anonymous, fictitious or concealed-identity accounts.
- إجراء التنفيذ
- Reject false, anonymous or coded identities and verify every person acting for the customer and their authority.
- الأدلة الواجب الاحتفاظ بها
- Account controls, identity results and authority documents.
- المصدر الأساسي
- Decree 144-2014 art. 7(9); CNBS Resolution SB 348/2016 art. 29
Stop or end service when required identity evidence remains inconsistent or inadequate.
- إجراء التنفيذ
- Document the failure, refuse or terminate as appropriate and assess a confidential ROS to UIF.
- الأدلة الواجب الاحتفاظ بها
- Decline or exit record, escalation and ROS decision.
- المصدر الأساسي
- Decree 144-2014 art. 7(5); CNBS Resolution SB 348/2016 art. 30
04KYB, registries, and beneficial ownershipRegistry evidence supports but does not replace ownership and control verification.4 عناصر+
Verify legal existence, purpose, address, tax identity and authority to act.
- إجراء التنفيذ
- Obtain current Mercantile Registry evidence, constitutive documents, RTN, directors, signatories and powers; verify through the competent registry.
- الأدلة الواجب الاحتفاظ بها
- Registry extract, constitutive documents, RTN and powers.
- المصدر الأساسي
- Commercial Code; Decree 144-2014 art. 7; CNBS Resolution SB 348/2016 arts. 29, 37
Identify the natural person who ultimately owns or controls the customer.
- إجراء التنفيذ
- Trace ownership and effective control to natural persons and apply the regulation's control sequence; do not invent a universal percentage threshold.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, source records, control analysis and verified identities.
- المصدر الأساسي
- Decree 144-2014 arts. 2(5), 7(2); CNBS Resolution SB 348/2016 art. 38
Keep company and beneficial-owner information current and plausible.
- إجراء التنفيذ
- Refresh on ownership, management, activity or risk change; escalate discrepancies and consider a ROS where explanations are inadequate.
- الأدلة الواجب الاحتفاظ بها
- Refresh log, change monitoring and discrepancy decisions.
- المصدر الأساسي
- Decree 144-2014 arts. 6-8; CNBS Resolution SB 348/2016 arts. 27-38
Do not assume one complete public national beneficial-ownership database.
- إجراء التنفيذ
- Use the competent territorial Mercantile Registry and tax or sector evidence where lawfully accessible, then independently verify natural-person ownership and control.
- الأدلة الواجب الاحتفاظ بها
- Registry searches, access logs, customer evidence and discrepancy memo.
- المصدر الأساسي
- Commercial Code; Institute of Property / CCIT registry framework; GAFILAT Honduras follow-up
05PEPs, EDD, and remote onboardingHigher-risk relationships require senior oversight, provenance evidence and enhanced monitoring.3 عناصر+
Detect domestic, foreign and international-organisation PEPs and relevant connected persons.
- إجراء التنفيذ
- Screen customers and beneficial owners at onboarding and periodically and document match disposition.
- الأدلة الواجب الاحتفاظ بها
- Screening output, disposition and refresh schedule.
- المصدر الأساسي
- Decree 144-2014 art. 7(8); CNBS Resolution SB 348/2016 arts. 39-40
Apply enhanced PEP controls.
- إجراء التنفيذ
- Obtain authorised senior approval, establish source of wealth and funds and conduct enhanced ongoing monitoring.
- الأدلة الواجب الاحتفاظ بها
- Approval, provenance file and monitoring plan.
- المصدر الأساسي
- CNBS Resolution SB 348/2016 arts. 39-40
Treat non-face-to-face onboarding as higher risk under the statutory rule.
- إجراء التنفيذ
- Use enhanced document, liveness, device and first-payment controls and update relevant information at least annually where Decree 144-2014 art. 7(7) applies.
- الأدلة الواجب الاحتفاظ بها
- Remote-onboarding test, annual refresh and approval.
- المصدر الأساسي
- Decree 144-2014 art. 7(7); CNBS Resolution SB 348/2016 art. 35
06Monitoring and suspicious reportingSuspicion is independent of amount and reporting information is confidential.4 عناصر+
Monitor activity against customer profile and risk.
- إجراء التنفيذ
- Detect unusual, complex, linked and unjustified activity; investigate and preserve a confidential documented conclusion.
- الأدلة الواجب الاحتفاظ بها
- Alerts, investigation, disposition and rule governance.
- المصدر الأساسي
- Decree 144-2014 arts. 6-7, 27; CNBS Resolution SB 348/2016 arts. 55-58
Report suspicious operations to UIF regardless of amount or completion.
- إجراء التنفيذ
- File attempted, rejected and completed activity using the live UIF channel; do not wait for a threshold or proof of crime.
- الأدلة الواجب الاحتفاظ بها
- ROS decision, supporting file, submission receipt and UIF reference.
- المصدر الأساسي
- Decree 144-2014 art. 27; CNBS Resolution SB 348/2016 arts. 58-59
Reconcile immediate statutory escalation with the regulation's outer case-processing periods.
- إجراء التنفيذ
- Escalate suspicion immediately internally and to UIF where the statute requires; never use the 60-calendar-day first-ROS or 30-day supplemental limits to delay an urgent report, and document the applicable timeline.
- الأدلة الواجب الاحتفاظ بها
- Detection, escalation, decision and filing timestamps.
- المصدر الأساسي
- Decree 144-2014 art. 27; CNBS Resolution SB 348/2016 art. 59
Prevent tipping off and protect ROS confidentiality.
- إجراء التنفيذ
- Restrict access, exclude ROS material from customer disclosures and train staff and agents on prohibited communications.
- الأدلة الواجب الاحتفاظ بها
- Access logs, confidentiality procedure and training.
- المصدر الأساسي
- Decree 144-2014 arts. 28, 31; CNBS Resolution SB 348/2016 art. 60
07Payments, wires, thresholds, and agentsBCH-set thresholds and UIF channels must be confirmed live and applied by report type.4 عناصر+
Apply the current BCH threshold to required cash, multiple, non-cash, transfer and remittance reports.
- إجراء التنفيذ
- Obtain the current operative BCH/UIF threshold and reporting specification before configuring controls; do not rely on an undated historical amount.
- الأدلة الواجب الاحتفاظ بها
- Current resolution, configuration approval and test results.
- المصدر الأساسي
- Decree 144-2014 arts. 23-25; CNBS Resolution SB 348/2016 arts. 62-64
Send periodic threshold reports within the applicable deadline.
- إجراء التنفيذ
- Report through the authorised UIF method within the first ten business days of the following month unless a current sector rule specifies otherwise.
- الأدلة الواجب الاحتفاظ بها
- Submission log, receipt and exception record.
- المصدر الأساسي
- CNBS Resolution SB 348/2016 art. 62
Carry required originator and beneficiary information in transfers at or above the BCH-set amount.
- إجراء التنفيذ
- Validate names, accounts, originator address or identification and amount; manage missing information under the approved risk procedure.
- الأدلة الواجب الاحتفاظ بها
- Payment message, validation and exception decision.
- المصدر الأساسي
- Decree 144-2014 art. 12; CNBS Resolution SB 348/2016 art. 36
Control agents, third parties and outsourced providers while retaining accountability.
- إجراء التنفيذ
- Perform diligence, contract for record access and security, monitor performance and retrieve identity evidence without delay.
- الأدلة الواجب الاحتفاظ بها
- Due diligence, contracts, monitoring and retrieval tests.
- المصدر الأساسي
- Decree 144-2014 art. 13; CNBS Resolution SB 348/2016 arts. 48-50
08Targeted financial sanctionsUse current UN designations and UIF communications and preserve a controlled legal decision trail.3 عناصر+
Screen customers, beneficial owners, counterparties and transactions against applicable UN designations.
- إجراء التنفيذ
- Screen at onboarding, before execution and on list updates, including aliases and ownership or control; subscribe to UIF notices.
- الأدلة الواجب الاحتفاظ بها
- List source, update logs, match logic and dispositions.
- المصدر الأساسي
- Law Against Terrorist Financing art. 23; UIF UN sanctions portal and notices
Act without delay on a confirmed designation under the competent Honduran process.
- إجراء التنفيذ
- Prevent movement or availability of assets, preserve the trail and notify UIF and other competent authorities using the live instruction; do not give advance notice.
- الأدلة الواجب الاحتفاظ بها
- Action timestamp, asset inventory, reports and restrictions.
- المصدر الأساسي
- Law Against Terrorist Financing; UIF sanctions communications; GAFILAT Honduras MER
Release blocked assets only on valid competent-authority instruction.
- إجراء التنفيذ
- Document false-positive or delisting analysis and obtain the legally competent release, exemption or access instruction before action.
- الأدلة الواجب الاحتفاظ بها
- Match file, authority instruction and controlled release approval.
- المصدر الأساسي
- Law Against Terrorist Financing; GAFILAT Honduras MER, Recommendation 6 analysis
09Records and regulator accessRecords must reconstruct the relationship, transactions and compliance decisions.3 عناصر+
Retain CDD and relationship records for at least five years after the relationship ends.
- إجراء التنفيذ
- Preserve identity, beneficial ownership, authority, risk and refresh evidence in retrievable form.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule, archive sample and deletion control.
- المصدر الأساسي
- Decree 144-2014 art. 8; CNBS Resolution SB 348/2016 art. 83
Retain transaction, monitoring, ROS and periodic-report support for at least five years.
- إجراء التنفيذ
- Calculate the correct trigger and preserve complete records, analyses, submissions and receipts.
- الأدلة الواجب الاحتفاظ بها
- Transaction archive, case file and filing copies.
- المصدر الأساسي
- Decree 144-2014 arts. 8, 24; CNBS Resolution SB 348/2016 arts. 57, 62, 83
Respond completely and promptly to lawful UIF, CNBS, prosecutor or court requests.
- إجراء التنفيذ
- Authenticate requests, preserve confidentiality, produce records and log disclosure and receipt.
- الأدلة الواجب الاحتفاظ بها
- Request, legal review, production log and acknowledgement.
- المصدر الأساسي
- Decree 144-2014 arts. 26, 30
10Privacy, biometrics, and transfersA comprehensive enacted general private-sector data-protection law was not confirmed; constitutional, transparency, secrecy and sector duties still apply.2 عناصر+
Protect KYC data for defined necessary purposes.
- إجراء التنفيذ
- Document collection purpose, access roles, security, accuracy and retention and obtain Honduran advice for biometrics, monitoring and cross-border hosting.
- الأدلة الواجب الاحتفاظ بها
- Data inventory, notices, access matrix, security and legal assessment.
- المصدر الأساسي
- Constitution arts. 76, 182; Transparency and Access to Public Information Law; financial secrecy duties
Do not present the IAIP draft personal-data bill as enacted law.
- إجراء التنفيذ
- Track legislative status and assess every data flow under the rules actually in force; contract for confidentiality, security, incidents, deletion and regulator access.
- الأدلة الواجب الاحتفاظ بها
- Legislative check, transfer assessment, data-flow map and contracts.
- المصدر الأساسي
- IAIP Draft Law on Personal Data Protection and Habeas Data; Constitution art. 182
11Practical evidence packsKeep concise packs that let a reviewer reproduce each decision.2 عناصر+
Maintain one reconstructable onboarding pack per customer.
- إجراء التنفيذ
- Bundle identity, KYB, ownership, screening, risk, approvals and exceptions under stable identifiers.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled onboarding pack.
- المصدر الأساسي
- Operational control supporting Decree 144-2014 and CNBS Resolution SB 348/2016
Maintain one reconstructable monitoring and reporting pack per case.
- إجراء التنفيذ
- Link transactions, alerts, analysis, approvals, UIF submissions and post-filing controls while protecting ROS confidentiality.
- الأدلة الواجب الاحتفاظ بها
- Complete sampled case pack and access log.
- المصدر الأساسي
- Operational control supporting Decree 144-2014 arts. 27-31 and Resolution arts. 55-65
سجل المصادر الأساسية
12 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Special Law Against Money Laundering - Decree 144-2014Congress of Honduras / CNBS · Primary legislation
- Regulation of obligations and controls - Resolution SB 348/27-04-2016CNBS · Binding financial-sector regulation
- Law regulating designated non-financial activities and professions - Decree 131-2014Congress of Honduras / CNBS · Primary legislation
- CNBS national AML/CFT legal inventoryCNBS · Official legal inventory
- UIF guidance on suspicious-operation reportsUIF / CNBS · Official FIU guidance
- UIF data-reporting manualUIF / CNBS · Official reporting guidance
- UN sanctions list and current UIF communicationsUIF / CNBS · Official sanctions guidance
- Mercantile Registry of Francisco Morazan authority and servicesCCIT / Institute of Property · Official delegated registry guidance
- Constitution of Honduras, updated 2025Judicial Branch of Honduras · Primary constitutional text
- Draft Law on Personal Data Protection and Habeas DataIAIP · Official draft - not enacted law
- Honduras seventh enhanced follow-up reportFATF / GAFILAT · Authoritative regional assessment
- FATF black and grey lists - 13 February 2026FATF · Authoritative current status
إجابات مباشرة
أسئلة KYC وKYB وAML في هندوراس
Who receives suspicious-operation reports in Honduras?+
The Unidad de Inteligencia Financiera (UIF), attached to the CNBS Presidency, through its authorised reporting channel.
What is the ROS deadline?+
Decree 144-2014 requires immediate communication. Resolution SB 348/2016 sets outer limits of 60 calendar days for a first ROS and 30 for supplements from the relevant activity; these limits should never be used to delay an urgent statutory report.
Is suspicion tied to a monetary threshold?+
No. A ROS is required regardless of amount, nature or customer type. Periodic transaction reports separately use BCH-set thresholds.
How long are AML records retained?+
At least five years after the relationship or transaction ends, depending on the record and applicable rule.
Is beneficial ownership only a registry check?+
No. The obliged entity must identify the natural person who ultimately owns or controls the customer and independently verify the ownership and control chain.
Is there one public national beneficial-ownership register?+
The reviewed official materials did not establish a single complete public database. Use the competent registry and independently obtain and verify ownership and control evidence.
Is the IAIP personal-data bill enacted?+
No enacted comprehensive general private-sector law was confirmed. The IAIP document is labelled as a draft; constitutional, secrecy, transparency and sector duties still apply.
Is Honduras on a FATF public list?+
Honduras was not named on FATF's 13 February 2026 increased-monitoring or call-for-action lists reviewed on 9 August 2026. Recheck the live lists before reliance.
منهجية البحث والمراجعة
تحدد VOVE ID Compliance Research النطاق التنظيمي، وتحول الالتزامات إلى ضوابط تشغيلية، وتربط الادعاءات الجوهرية بالمصادر، وتسجل تاريخ وإصدار كل مراجعة.
General regulatory information, not legal advice or a licence determination. Reviewed 9 August 2026 and legally scoped as applicable on that date. Confirm live UIF reporting channels, BCH thresholds, APNFD rules, registry and beneficial-ownership access, sanctions release procedures, privacy requirements and product-specific licensing with the competent authority and qualified Honduran counsel before launch.