AML / CFT compliance forms and guidance

Estate agents and salespersons in Singapore carry anti-money-laundering obligations under the Estate Agents (Prevention of Money Laundering and Financing of Terrorism) Regulations 2021. In practice that means identifying who you are acting for, assessing the risk they present, and keeping a record that shows you did both — before the agreement is signed, not after.

CEA publishes the forms for this work as annexes to its guide. Annex F holds the client-facing set: Forms A1 to A4 record customer particulars, Form B is the risk determination and screening checklist, Form C covers enhanced due diligence where risk is elevated, and Form D covers ongoing due diligence through the relationship. Annex G mirrors much of that for an unrepresented counterparty — the party on the other side of a transaction who has no agent of their own — as Forms U1 to U6.

Which of them you need depends on who your client is, whether they are acting for someone else, and whether an unrepresented counterparty is involved. The form selector on the library page works through that decision and names the specific forms required.