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BSA CDD (31 CFR 1010)

Requires financial institutions to establish and maintain written customer due diligence procedures, including identifying and verifying beneficial owners of legal entity customers. Applies to banks, brokers, mutual funds, and other covered financial institutions.

View official source document

Rules extracted

1,047

Obligations decomposed

15.6x

Avg obligations per rule

🇺🇸 United States

Jurisdiction

What AuditDSS covers

Source

Regulation

Extracted

Rules

Decomposed

1,047

Obligations

15.6x

Decomposition ratio

Each rule is decomposed into an average of 15.6 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 1,047 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in BSA CDD is scored across independent risk dimensions:

Obligation Weight

How critical within the regulatory framework

Violation Likelihood

How often breached in practice

Enforcement Evidence

Regulator enforcement history and penalties

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title: BSA CDD (31 CFR 1010)
Regulatory body: Financial Crimes Enforcement Network
Jurisdiction: 🇺🇸 United States
Document type: regulation
Effective date: May 11, 2018
Industry: AML & Counter-Terrorism Financing
Official source: View source document ↗

Who this applies to

banksbroker-dealersmutual fundsfutures commission merchantsmoney services businesses

Key requirements

customer identification program
beneficial ownership identification
ongoing monitoring
suspicious activity reporting
enhanced due diligence for high-risk customers

Frequently asked questions about BSA CDD

What is BSA CDD?

Who does BSA CDD apply to?

BSA CDD applies to banks, broker-dealers, mutual funds, futures commission merchants, money services businesses.

How many obligations does BSA CDD contain?

AuditDSS has decomposed BSA CDD into 1,047 atomic obligations from 67 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of BSA CDD?

The key requirements include: customer identification program, beneficial ownership identification, ongoing monitoring, suspicious activity reporting, enhanced due diligence for high-risk customers.

How can I assess my BSA CDD compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 1,047 BSA CDD obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces BSA CDD?

BSA CDD is enforced in United States by Financial Crimes Enforcement Network.

When did BSA CDD come into effect?

BSA CDD became effective on May 11, 2018.

What industry does BSA CDD apply to?

BSA CDD is primarily relevant to the AML & Counter-Terrorism Financing industry. AuditDSS covers 64 regulations in this industry sector.

Build a BSA CDD compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for BSA CDD — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering BSA CDD requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine BSA CDD with other regulations into a single unified compliance pack for your business.

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Already have a policy? Assess it against BSA CDD

Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

AI maps against 1,047 obligations

Your document is scored against every obligation in BSA CDD. Each claim is mapped to the obligation tree and evaluated for coverage.

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.