{"ok":true,"canonical_url":"https://dealroom.so/glossary/bsa-aml-regulations","api_url":"https://dealroom.so/api/public/glossary/bsa-aml-regulations","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":"bsa-aml-regulations","term":"BSA/AML regulations","aka":"Bank Secrecy Act / Anti-Money Laundering regulations","group":"People and paperwork","definition":"Federal laws requiring financial institutions to report suspicious transactions to prevent money laundering and other illicit financial activities. Lenders must comply, and your character is assessed against these principles.","what_it_means":"While these regulations primarily apply to your lender, your involvement as a borrower is indirect but critical. The SBA and lenders scrutinize your background and the business's history for any fraud or illicit activity. Your lender's due diligence will include checks to ensure neither you nor the business poses an AML risk.","url":"https://dealroom.so/glossary/bsa-aml-regulations","official_sources":[],"related":[{"slug":"fraud","term":"Fraud","url":"https://dealroom.so/glossary/fraud"},{"slug":"compliance","term":"Compliance","url":"https://dealroom.so/glossary/compliance"},{"slug":"due-diligence","term":"Due diligence","url":"https://dealroom.so/glossary/due-diligence"}],"related_questions":[]},"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 — BSA/AML regulations","url":"https://dealroom.so/glossary/bsa-aml-regulations","source_type":"DealRoom Data"}}