# Delaying the Effective Date of the Anti-Money Laundering/Countering the Financing of Terrorism Program and Suspicious Activity Report Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers
> **FinCEN** · Final rule. · Published 2026-01-02 · Effective 2028-01-01 · 91 FR 36
## Document
- **Document number:** 2025-24184
- **Category:** aml-bsa-fincen
- **Sub-agency:** FinCEN
- **Federal Register citation:** 91 FR 36
- **CFR reference:** 31 CFR 1010
- **Publication date:** 2026-01-02
- **Effective date:** 2028-01-01
## Abstract

FinCEN is amending the Anti-Money Laundering/Countering the Financing of Terrorism (AML/CFT) Program and Suspicious Activity Report (SAR) Filing Requirements for Registered Investment Advisers and Exempt Reporting Advisers (IA AML Rule) to delay the effective date by two years. As part of this delay, FinCEN is amending the date by which an investment adviser must develop and implement an AML/CFT program.

## Source
- [Federal Register document](https://www.federalregister.gov/documents/2026/01/02/2025-24184/delaying-the-effective-date-of-the-anti-money-launderingcountering-the-financing-of-terrorism)
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