AML/CFT obligations by obliged sector
Law No. 05-01, as amended, subjects financial institutions and designated non-financial businesses and professions to anti-money laundering and counter-terrorist financing obligations, each under the oversight of an authority designated by law. Find, sector by sector, the applicable texts, key obligations, red flags and mistakes to avoid.
Banks and financial institutionsRegulation 24-03, Instruction 04-2026, suspicious transaction reports: what the Banking Commission expects from banks and financial institutions.Supervisory authority : Banking Commission (Bank of Algeria)Leasing companiesLessee, supplier, financed asset: how leasing companies apply Regulation 24-03 and the unified KYC procedure of Instruction 04-2026.Supervisory authority : Banking Commission (Bank of Algeria)Algérie Poste and postal financial servicesPostal accounts, cash, mobile payments: what the Banking Commission and Instruction 04-2026 require from Algérie Poste's financial services.Supervisory authority : Banking Commission (Bank of Algeria)Insurance companies and brokersRisk-based approach, KYC, life policy beneficiaries, PEPs, reporting to the CTRF: the AML/CFT obligations of insurers and brokers.Supervisory authority : Insurance Supervision Commission (CSA)Exchange offices and exchange agentsIdentifying every client, detecting structuring, sanctions screening, reporting to the CTRF: the AML/CFT obligations of manual currency exchange.Supervisory authority : Banking CommissionCapital market participants (COSOB)Brokers, custodians, collective investment schemes, private equity and crowdfunding platforms: what COSOB expects from your AML/CFT framework.Supervisory authority : Stock Exchange Operations Organisation and Surveillance Commission (COSOB)NotariesReal estate, company formation, beneficial owners: what Law 05-01 requires of notaries and what the National Chamber of Notaries checks.Supervisory authority : National Chamber of Notaries (Chambre nationale des notaires)LawyersFinancial transactions on behalf of clients, third-party funds, professional secrecy: what Law 05-01 expects of Algerian lawyers.Supervisory authority : Bar councils (conseils de l'ordre des avocats)Bailiffs and auctioneersDebt recovery, auctions, third-party funds: the AML/CFT obligations of bailiffs and auctioneers and the chambers that supervise them.Supervisory authority : National Chamber of Bailiffs (Chambre nationale des huissiers de justice) for bailiffs; National Chamber of Auctioneers (Chambre nationale des commissaires-priseurs) for auctioneersChartered accountants and statutory auditorsThe 14 April 2026 regulation, risk assessment, KYC, suspicious transaction reports: what Law 05-01 now requires of accounting and audit firms.Supervisory authority : National Accounting Council (chartered accountants); National Chamber of Statutory Auditors (statutory auditors)Real estate agentsThe 21 May 2025 order, due diligence above DZD 2 million, beneficial owners, the CTRF: what Law 05-01 requires of real estate agencies.Supervisory authority : Ministry of Housing, Urban Planning and the CityDealers in precious metals and stones, jewellersThe 3 July 2025 order, the DZD 2 million threshold, PEPs, the annual report: what Law 05-01 requires of jewellers and gold dealers supervised by the DGI.Supervisory authority : Directorate General of Taxes (DGI)Associations and non-profit organisationsOversight, no cash without prior authorisation, source of funds: the AML/CFT regime for Algerian associations explained.Supervisory authority : Ministry of the Interior