Act 2015
Loi organique n° 2015-26 du 7 août 2015 relative à la lutte contre le terrorisme et à la répression du blanchiment d'argent, telle que modifiée par la loi organique n° 2019-9 du 23 janvier 2019 (Organic Law 2015-26 on combating terrorism and preventing money laundering, as amended)
Issued by Commission Tunisienne des Analyses Financières (Tunisian Financial Analysis Committee)
Plain-English summary
Criminalises money laundering and terrorist financing, sets customer due diligence (Arts. 108-110), record-keeping (Art. 113), internal-programme (Art. 115), disciplinary (Arts. 116-117) and suspicious-transaction (Art. 125) duties for covered persons, creates the CTAF at the BCT (Arts. 118-119) and sets criminal penalties for failure to report (Art. 136). The CTAF's English text calls it a 'Basic Law'.
Who it applies to
All industries
Topics
AML / CFT / Sanctions
Obligations arising from this law or regulation
| Obligation | Timing | Regulator | Source | Detail |
|---|---|---|---|---|
| AML/CFT record retention | Retention period 10 years | CTAF | official | |
Art. 113 requires covered persons to keep records for no less than ten years from completion of the transaction or account closing. BCT Circular 2017-08 (Arts. 51-52) repeats ten years for client files after the relationship ends and for transaction records. |
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| Customer due diligence (KYC/CDD) | At onboarding + ongoing | — | source | |
Art. 108 requires covered persons to refuse anonymous or fictitious accounts, verify identity from official documents, identify beneficial owners and understand the purpose of the relationship, and Art. 109 requires data updates and ongoing monitoring. Art. 110 extends group measures and PEP systems; BCT Circular 2017-08 adds risk-based simplified and enhanced measures. |
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| Suspicious transaction reporting to the CTAF | Deadline Immediately, in writing | CTAF | official | |
Art. 125 of Organic Law 2015-26 requires covered persons to report suspicious transactions, including attempts, immediately and in writing to the CTAF. BCT Circular 2017-08 (Art. 58) repeats 'immédiatement', and CTAF Decision 01-2024 requires electronic filing through goAML by the designated liaison officer. Art. 127 bars informing the person concerned, and Art. 136 punishes deliberate failure to report with one to five years' imprisonment and a fine of 5,000 to 50,000 dinars. |
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| No obligations match these filters. | ||||
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