Peru Regulator Opens Comment on Proposed Anti-Money-Laundering Rules

Peru’s banking, insurance and pension regulator opened public comment on proposed anti-money-laundering rules for cash carriers and financial firms, adding detailed compliance duties to businesses already under financial-intelligence oversight.

The Superintendencia de Banca, Seguros y AFP (SBS) oversees banking, insurance and private pension funds. The proposal covers businesses that transport or safeguard cash and securities outside SBS supervision; factoring and financial leasing firms it does not supervise; and managers of privately offered investment funds not supervised by the Superintendencia del Mercado de Valores (SMV), Peru’s securities-market regulator.

The affected businesses already fall under oversight by Peru’s financial intelligence unit, Unidad de Inteligencia Financiera (UIF-Perú). The draft includes requirements for knowing directors, employees and suppliers; customer due diligence; staff training; a prevention code; and money-laundering and terrorist-financing risk factors. It also addresses compliance manuals, corporate and alternate compliance officers where applicable, suspicious-transaction reports, annual reports from compliance officers, internal audits and a threshold for recording transactions in an operations register.

Peru added non-SBS-supervised cash and securities carriers to its reporting framework in March 2025, then added private fund managers and factoring firms in May 2025. Non-SBS-supervised financial leasing firms joined in May 2026. The public comment period closes Nov. 14, 2026.