{"ok":true,"canonical_url":"https://dealroom.so/glossary/anti-money-laundering","api_url":"https://dealroom.so/api/public/glossary/anti-money-laundering","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-15","timezone":"America/Chicago"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","DealRoom lender and franchise enrichment"],"term":{"slug":"anti-money-laundering","term":"Anti-Money Laundering","aka":"AML","group":"People and paperwork","definition":"AML refers to the laws and regulations designed to prevent criminals from disguising illegally obtained funds as legitimate income. Financial institutions must comply with these rules.","what_it_means":"As a borrower, your lender will perform AML checks as part of their due diligence. Be prepared to provide detailed documentation about the source of your equity injection to prove funds are legitimate and not \"round-tripped\" or from illicit activities.","url":"https://dealroom.so/glossary/anti-money-laundering","official_sources":[{"slug":"sop-50-10","title":"SOP 50 10 — Lender and Development Company Loan Programs","official_url":"https://www.sba.gov/document/sop-50-10-lender-development-company-loan-programs","official_label":"View on SBA.gov","authority_tier":2,"publisher":"U.S. Small Business Administration","source_guide_url":"https://dealroom.so/sba-7a/sources/sop-50-10"}],"related":[{"slug":"bank-secrecy-act","term":"Bank Secrecy Act","url":"https://dealroom.so/glossary/bank-secrecy-act"},{"slug":"due-diligence","term":"Due diligence","url":"https://dealroom.so/glossary/due-diligence"},{"slug":"equity-injection","term":"Equity injection","url":"https://dealroom.so/glossary/equity-injection"},{"slug":"seasoned-funds","term":"Seasoned funds","url":"https://dealroom.so/glossary/seasoned-funds"}],"related_questions":[{"question":"What counts as \"my own money\" for the down payment?","url":"https://dealroom.so/sba-loans/basics/what-counts-as-my-own-money-for-the-down-payment"},{"question":"How does the SBA decide how much money I can borrow?","url":"https://dealroom.so/sba-loans/basics/how-does-the-sba-decide-how-much-money-i-can-borrow"},{"question":"Who actually lends the money for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/who-actually-lends-the-money-for-an-sba-7-a-loan"},{"question":"Who actually provides the money for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/who-actually-provides-the-money-for-an-sba-7-a-loan"},{"question":"Who actually gives me the money for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/who-actually-gives-me-the-money-for-an-sba-7-a-loan"},{"question":"Does the government directly lend money for an SBA 7(a) loan?","url":"https://dealroom.so/sba-loans/basics/does-the-government-directly-lend-money-for-an-sba-7-a-loan"}]},"caveats":["Definitions represent DealRoom's plain-English interpretation for buyers; verify regulatory terms against the official SBA and eCFR sources listed.","Not legal, tax, or financial advice, and not an SBA eligibility determination."],"citation":{"label":"DealRoom.so Glossary — Anti-Money Laundering","url":"https://dealroom.so/glossary/anti-money-laundering","source_type":"DealRoom Data"}}