In line with the GAFI, the financial information unit raised the minimum amounts to report operations and eliminated demands such as accounting certification in customer profiles.
The Financial Information Unit (FIU) officialized on Wednesday a deep regulatory update that modifies thresholds and requirements applicable to obliged subjects to prevent money laundering, terrorism financing and financing of the proliferation of mass destruction (the/FT/FP).
Through the Resolution 78/2025 Published Thursday in the Official Gazette, the Agency raised the minimum amounts from which certain operations must be reported and simplified documentary procedures to define customer profiles. The objective is to simplify the use of dollars in the formal circuit.
One by one, all the changes established by the FIU
1. Among the main changes, the increase in the threshold for the Registration of sale of real estate which must be reported by real -property records, which passes from 200 to 750 minimum, vital and mobile salaries (SMVM). A similar criterion applies to Public Noteswho now must report cash transactions due to the purchase of real estate when they exceed that same threshold.
2. In the case of Automotive recordsArticle 16 of the FIIF resolution No. 127/2012 is modified: now, customer profiles will be required for operations by operations $ 115 million or moreand now It will not be necessary to present an accounting certificationbut only supporting documentation. In addition, the threshold of article 26 is updated, to consider all relevant acquisition of vehicles that exceed $ 50 million.
3. Regarding financial entitiesthe threshold that activates reinforced controls on deposits and cash operations doubled: 20 to 40 SMVM. This impacts both the identification of people who make deposits, as well as the reports of high -amount cash transactions (RTE) and exchange operations (RTEOC).
4. The measure also simplifies and redefines the requirements for the preparation of Transactional profilesboth in banks and in the notarial activity, eliminating the need for tax affidavits. In all cases, the profile is required to be based on supporting documentation and a risk analysis, which reinforces a more effective and flexible approach.
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“Mattress dollars”: Since when the new regulations govern
This update is part of the process of Regulatory adaptation to the standards of the International Financial Action Group (GAFI)organism that promotes global policies against money laundering and terrorism financing. Decree 353/2025, published in May, had instructed the FIU to review its regulation within 30 days after its entry into force, in response to those international demands.
The regulations will begin to govern As of June 6, 2025and suspend the automatic update of some thresholds, which will be adjusted again in January 2026 based on the price index of the automotive sector published by Acara.
With this step, the FIU is looking for Improve the efficiency of the preventive system, avoid unnecessary reports and focus resources on truly risky operationsin line with the risk -based approach recommended by the GAFI since 2012.
Source: Ambito
