AML/CFT State Ordinance

The Aruban AML/CFT framework is based on the 40 Recommendations to combat money laundering and the financing of terrorism & proliferation published by the Financial Action Task Force (FATF)

The State Ordinance on the Prevention and Combating Money Laundering and Terrorist Financing (AML/CFT State Ordinance) contains provisions regarding, inter alia:

  • customer due diligence (CDD)
  • reporting of unusual transactions
  • record keeping
  • supervision and enforcement

Non-regulated financial service providers (including insurance brokers, investment brokers, factoring and leasing companies) and designated non-financial service providers (including lawyers, civil notaries, tax advisors, accountants, jewelers, high value dealers, casinos) must comply with the requirements of the AML/CFT State Ordinance. They must also register with the CBA.

Click here for the State Ordinance on the Prevention and Combating Money Laundering and Terrorist Financing Transitional provisions (AML/CFT State Ordinance) (in Dutch English)

Click here for the Enactment Ordinance State Ordinance for the Prevention and Combating of Money Laundering and Terrorist Financing containing the transitional provisions in order to comply with the AML/CFT State Ordinance (in Dutch)

Related decrees and regulations

Further to the AML/CFT State Ordinance, the following subordinate legislation applies:

  • State Decree Wire Transfers (Landsbesluit regeling geldelijke overmakingen) (in English) (in Dutch)
  • State Decree regarding the principles for administrative enforcement AML/CFT State Ordinance (Landsbesluit grondslagen bestuurlijke handhaving LWTF) (in English) (in Dutch)
  • Regulation designated stock exchanges AML/CFT State Ordinance (Regeling erkende aandelenbeurzen LWTF) (in English) (in Dutch).
  • Regulation designated introduction countries AML/CFT State Ordinance (Regeling erkende introductielanden LWTF) (in English) (in Dutch).
  • Regulation verification documents AML/CFT State Ordinance (Regeling verificatiedocumenten LWTF) (in English) (in Dutch).
  • Relevant indicator regulations.(AB 2012 no. 23, AB 2012 no. 47)
  • Regulation Ultimate Beneficial Owner AML/CFT State Ordinance (Regeling uiteindelijk belanghebbende LWTF) (in DutchEnglish) and Explanatory Notes (in DutchEnglish)


Other relevant downloads

Frequently Asked Questions AML/CFT State Ordinance


State Ordinance on the prevention and combating of money laundering and terrorist financing
(including AB 2021 No. 143)
(Dutch, English).