Anti-money laundering and counter-terrorist financing return (AML/CFT Return)

The facts

Who files

Primary mortgage banks and microfinance banks are both told to file this monthly, under the same clause in their respective CBN guidelines; the wording suggests it applies to banks and other CBN-regulated institutions generally, but a single page naming every population was not found. Source

How often

Monthly. Source

Deadline

Not stated on the pages read. Source

Format

Other. Filed with the Nigeria Financial Intelligence Unit, not the CBN; file format not stated on the pages read. Source

How it is filed

Filing routes recorded for the CBN: FinA (Financial Analysis application); e-FASS (Electronic Financial Analysis and Surveillance System); FIFX (Financial Institutions Foreign Exchange Reporting System). See how firms file with the CBN.

Status

In force

Legal basis

• Revised Guidelines for Primary Mortgage Banks in Nigeria, section 4.1(b)
• Revised Regulatory and Supervisory Guidelines for Microfinance Banks in Nigeria, section 6.0

Group

Conduct

Templates (0)

The library lists no templates for this return.

No standard form was found on the pages read; the two CBN circulars specifically on AML/CFT returns and on Suspicious Transaction Reports and Currency Transaction Reports (both from 2013) are scanned PDFs with no extractable text (see gaps). Source

Validation rules

No published validation rules were found for this return. No published validation rules for this return were found on the Central Bank of Nigeria's pages read. Source

Public data

No published data from this return was found. Not applicable; suspicious transaction and AML/CFT returns are confidential by nature. Source

Official documents (3)

The CBN's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

• Revised Guidelines for Primary Mortgage Banks in Nigeria

  Guidance · PDF · 418.7 KB · 1 November 2011

  SHA-256 649775b21ca3show in fullhide

  649775b21ca3557a070fc3c5aa85aa885e71c4000b08126c03ca758354bf1a20
• Revised Regulatory and Supervisory Guidelines for Microfinance Banks (MFBs) in Nigeria

  Guidance · PDF · 521.3 KB · 3 January 2013

  SHA-256 2a088b40f1c7show in fullhide

  2a088b40f1c7d2cb3217ec51324456b466cf86ac0e94bf811feb2f788fcdc8db
• AML/CFT Circulars (list data)

  List of returns · JSON

  A live data feed that the CBN's page loads to show its list of documents; it changes whenever a document is added, so no size or SHA-256 is recorded.

Sources

Every page and document this return's facts were read from.

• cbn.gov.ng/Out/2013/OFISD/Revised%20Guidelines%20for%20Primary%20Mortgage%20Banks%20in%20Nigeria.pdf
• cbn.gov.ng/Out/2013/CCD/Amended%20Regulatory%20and%20Supervisory%20Guidelines%20for%20MFB.pdf
• cbn.gov.ng/api/GetAMLCFT

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.