{"id":26065,"date":"2026-10-26T00:26:11","date_gmt":"2026-10-26T00:26:11","guid":{"rendered":"https:\/\/globaltax.com.uy\/senaclaft-non-financial-obliged-entities\/"},"modified":"2026-10-26T00:26:11","modified_gmt":"2026-10-26T00:26:11","slug":"senaclaft-non-financial-obliged-entities","status":"publish","type":"post","link":"https:\/\/globaltax.com.uy\/en\/senaclaft-non-financial-obliged-entities\/","title":{"rendered":"SENACLAFT: obligations of non-financial obliged entities in Uruguay"},"content":{"rendered":"<div class=\"gt-keybox\">\n<p><strong>In short:<\/strong><\/p>\n<ul>\n<li><strong>SENACLAFT<\/strong> is the body that checks that <strong>non-financial obliged entities<\/strong> (article 13 of Law 19,574) comply with anti-money laundering and counter-terrorist financing rules; it can inspect and impose sanctions.<\/li>\n<li>They include casinos, real estate agencies, notaries, lawyers and accountants in certain transactions, auctioneers and corporate service providers; <strong>Law 20,469 of 2026<\/strong> added non-financial trustees and certain accounting and administrative service providers.<\/li>\n<li>Most must <strong>register in the Registry of Obliged Entities<\/strong> and set up an <strong>electronic address (DOMEL)<\/strong>; notaries, auctioneers, free zone users and non-profit organisations do not register directly.<\/li>\n<li>The core obligations are: a written risk assessment, customer due diligence, a compliance officer, training, five-year record keeping and suspicious transaction reports to the UIAF.<\/li>\n<li>Fines range from <strong>1,000 UI to 20,000,000 UI<\/strong>; since June 2026 SENACLAFT grades them on a scale by type of breach and the obliged entity&#8217;s income (Resolution 61\/026).<\/li>\n<\/ul>\n<\/div>\n<div class=\"gt-toc\">\n<p>Contents<\/p>\n<ol>\n<li><a href=\"#que-es\">What SENACLAFT is and what it does<\/a><\/li>\n<li><a href=\"#sujetos\">Who the non-financial obliged entities are<\/a><\/li>\n<li><a href=\"#cambios-2026\">What changed in 2026<\/a><\/li>\n<li><a href=\"#registro\">Registration with SENACLAFT and electronic address<\/a><\/li>\n<li><a href=\"#obligaciones\">The obligations, one by one<\/a><\/li>\n<li><a href=\"#inspecciones\">Supervision and inspections<\/a><\/li>\n<li><a href=\"#sanciones\">Sanctions: types of breach and fine scale<\/a><\/li>\n<li><a href=\"#preparacion\">How to prepare<\/a><\/li>\n<li><a href=\"#faq\">Frequently asked questions<\/a><\/li>\n<\/ol>\n<\/div>\n<p>In Uruguay, a real estate agency, an accounting firm that handles client funds or a corporate service provider has its own anti-money laundering obligations and its own supervisor: SENACLAFT. This guide explains, from a practical standpoint, who the non-financial obliged entities are, how they register, what they must have in place, how inspections work and what a breach can cost. The general framework (offences, predicate offences, cash) is covered in our guide to the <a href=\"https:\/\/globaltax.com.uy\/en\/anti-money-laundering-law-uruguay\/\">anti-money laundering law in Uruguay<\/a>.<\/p>\n<p class=\"gt-note\">Main guide: <a href=\"https:\/\/globaltax.com.uy\/en\/compliance-and-governance\/\">compliance and governance<\/a>, where we explain how we design and implement AML programmes for companies and professionals.<\/p>\n<h2 id=\"que-es\">What SENACLAFT is and what it does<\/h2>\n<p>The National Secretariat for the Fight against Money Laundering and Terrorist Financing (SENACLAFT) is a decentralised body of the Office of the President with technical autonomy (article 4 of Law 19,574). Besides proposing the national strategy and providing training, it is responsible for <strong>supervising compliance with AML rules by the obliged entities listed in article 13<\/strong>, with broad investigative and inspection powers and the power to collect the fines it imposes.<\/p>\n<p>It should not be confused with the <strong>UIAF<\/strong>, the Central Bank&#8217;s financial intelligence unit, which receives suspicious transaction reports from all obliged entities, or with the <strong>BCU<\/strong> as supervisor of financial obliged entities (see <a href=\"https:\/\/globaltax.com.uy\/en\/financial-regulation-in-uruguay\/\">financial regulation in Uruguay<\/a>).<\/p>\n<h2 id=\"sujetos\">Who the non-financial obliged entities are<\/h2>\n<p>Article 13 of Law 19,574, as currently worded following Law 20,469 of 2026, lists the following:<\/p>\n<table>\n<thead>\n<tr>\n<th>Item<\/th>\n<th>Obliged entity<\/th>\n<th>Scope<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>A<\/td>\n<td>Casinos<\/td>\n<td>All their activity.<\/td>\n<\/tr>\n<tr>\n<td>B<\/td>\n<td>Real estate agencies, developers, construction companies and other real estate intermediaries<\/td>\n<td>Real estate transactions, except leases.<\/td>\n<\/tr>\n<tr>\n<td>C<\/td>\n<td>Lawyers<\/td>\n<td>Only when acting on the client&#8217;s behalf in specific transactions (real estate, businesses, managing funds or accounts, creating and managing companies or trusts). Never for advice.<\/td>\n<\/tr>\n<tr>\n<td>D<\/td>\n<td>Notaries and anyone else taking part in those same transactions<\/td>\n<td>The listed transactions, not advice.<\/td>\n<\/tr>\n<tr>\n<td>E<\/td>\n<td>Auctioneers<\/td>\n<td>Their auction activity.<\/td>\n<\/tr>\n<tr>\n<td>F<\/td>\n<td>Dealers in antiques, works of art, precious metals and stones<\/td>\n<td>Those transactions.<\/td>\n<\/tr>\n<tr>\n<td>G<\/td>\n<td>Free zone operators and users<\/td>\n<td>The uses and activities set by regulation.<\/td>\n<\/tr>\n<tr>\n<td>H<\/td>\n<td>Corporate and trust service providers<\/td>\n<td>When they habitually form companies, act as nominee directors or shareholders, provide a registered address or sell legal entities.<\/td>\n<\/tr>\n<tr>\n<td>I<\/td>\n<td>Civil associations, foundations, political parties, trade unions and other non-profit organisations<\/td>\n<td>As set by regulation.<\/td>\n<\/tr>\n<tr>\n<td>J<\/td>\n<td>Public accountants and other independent professionals<\/td>\n<td>The lawyers&#8217; transactions, plus audit and limited review reports.<\/td>\n<\/tr>\n<tr>\n<td>K, L<\/td>\n<td>Pension fund managers and sports corporations<\/td>\n<td>As set by law and regulation.<\/td>\n<\/tr>\n<tr>\n<td>M<\/td>\n<td>Non-financial trustees<\/td>\n<td>Unless supervised by the BCU.<\/td>\n<\/tr>\n<tr>\n<td>N<\/td>\n<td>Providers of administration, accounting or data processing services (article 25)<\/td>\n<td>When, from Uruguay, they support persons or firms that professionally and habitually carry out financial activities abroad.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Lawyers, notaries and accountants do not have to report when the information was obtained to ascertain the client&#8217;s legal position or in defending the client in judicial, administrative, arbitration or mediation proceedings.<\/p>\n<h2 id=\"cambios-2026\">What changed in 2026<\/h2>\n<ul>\n<li><strong>Law 20,469<\/strong> (19 March 2026): reworded several articles of Law 19,574, including article 13. According to the Office of the President, <strong>non-financial trustees<\/strong> not supervised by the BCU and <strong>providers of administration, accounting or data processing services<\/strong> linked to financial activity abroad came under SENACLAFT; Resolution 54\/2026 implemented their inclusion in the registry and the electronic address system.<\/li>\n<li><strong>Resolution 61\/026<\/strong> (26 June 2026): replaced the 2022 sanction guidelines with new breach definitions, grading criteria and a fine scale based on income.<\/li>\n<\/ul>\n<p>Anyone providing accounting or trustee services to structures with financial activity abroad should check whether they are now covered.<\/p>\n<h2 id=\"registro\">Registration with SENACLAFT and electronic address<\/h2>\n<h3>Registry of Obliged Entities<\/h3>\n<p>Decree 379\/018 (articles 92 to 94) requires article 13 entities to register with SENACLAFT. According to the official procedure page:<\/p>\n<ul>\n<li><strong>Must register:<\/strong> entities under items A, B, C, D (except notaries), F, H and J and, since 2026, those under items M and N.<\/li>\n<li><strong>Do not register directly:<\/strong> notaries, auctioneers, free zone users and operators, and non-profit organisations. SENACLAFT obtains their data from the Notarial Fund (Caja Notarial), the National Registry of Auctioneers, the Free Zones Area and the Ministry of Education and Culture.<\/li>\n<li><strong>How:<\/strong> online, with a gub.uy user or digital ID (ID card with reader, Abitab Digital Identity or Antel TuID), by completing the web form. It is free and requires no documents unless SENACLAFT asks for them.<\/li>\n<li><strong>Updates:<\/strong> any change in the data must be reported within <strong>30 days<\/strong>.<\/li>\n<\/ul>\n<p>Nominee shareholders or directors must, when registering, disclose their nominator and the companies they serve (article 83 of the decree).<\/p>\n<h3>Electronic address (DOMEL)<\/h3>\n<p>Decree 355\/021 makes the electronic address the only valid channel for SENACLAFT notifications and requires non-financial obliged entities to set one up. It is a separate procedure from registration. Failing to register, to keep data updated or to subscribe to DOMEL is listed as a <strong>serious<\/strong> breach in the current sanction guidelines.<\/p>\n<h2 id=\"obligaciones\">The obligations, one by one<\/h2>\n<ol class=\"gt-steps\">\n<li><strong>Written risk assessment<\/strong> by customer, geography and transaction, proportionate to the business (article 4 of Decree 379\/018). Each customer or transaction is rated high, medium or low risk, in writing.<\/li>\n<li><strong>Policies and procedures<\/strong> to prevent, detect and report.<\/li>\n<li><strong>Due diligence:<\/strong> identify and verify the customer, identify the <a href=\"https:\/\/globaltax.com.uy\/en\/beneficial-ownership-uruguay\/\">beneficial owner<\/a> (15% of capital or votes, or ultimate control) and, depending on risk, the source of funds. It can be simplified, standard or enhanced; if it cannot be completed, the transaction does not go ahead. Details in <a href=\"https:\/\/globaltax.com.uy\/en\/kyc-compliance-uruguay\/\">KYC and compliance for companies<\/a>.<\/li>\n<li><strong>Compliance officer:<\/strong> a designated person who drives the system and is the point of contact with the UIAF and SENACLAFT. It may be the obliged entity itself, but responsibility remains with it. See <a href=\"https:\/\/globaltax.com.uy\/en\/outsourced-compliance-officer-uruguay\/\">outsourced compliance officer<\/a>.<\/li>\n<li><strong>Regular training<\/strong> for staff involved in covered transactions, where there are employees.<\/li>\n<li><strong>Record keeping<\/strong> of transactions, risk assessments and due diligence for at least <strong>five years<\/strong> after the relationship ends, in a way that allows each transaction to be reconstructed.<\/li>\n<li><strong>Suspicious transaction reports (STRs)<\/strong> to the UIAF, immediately and even if the transaction did not go ahead. They are confidential: the customer and third parties must not be told, and a report made in good faith creates no liability.<\/li>\n<li><strong>Periodic information<\/strong> requested by SENACLAFT; failing to provide it is sanctionable.<\/li>\n<\/ol>\n<h3>Sector-specific rules<\/h3>\n<table>\n<thead>\n<tr>\n<th>Sector<\/th>\n<th>Rule in Decree 379\/018<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>Casinos<\/td>\n<td>Due diligence on transactions above USD 3,000 (or several that exceed it together for the same person).<\/td>\n<\/tr>\n<tr>\n<td>Real estate and construction<\/td>\n<td>Due diligence in every case, with no threshold, on buyers and sellers. Enhanced if the transaction is in cash or exceeds USD 300,000 through banking instruments.<\/td>\n<\/tr>\n<tr>\n<td>Lawyers, notaries and accountants<\/td>\n<td>Enhanced in sales of real estate or businesses paid in cash or above USD 300,000 through banking instruments. Notaries record the due diligence in the deed.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>In addition, SENACLAFT Resolution 272\/024 set binding instructions on how to evidence the customer&#8217;s tax compliance in enhanced due diligence.<\/p>\n<h2 id=\"inspecciones\">Supervision and inspections<\/h2>\n<p>SENACLAFT can demand documents, summon the obliged entity and anyone involved in the transaction, and inspect premises; private homes only with a court order. Failing to appear after more than two consecutive summonses is punished with a fine.<\/p>\n<p>What is reviewed matches the breaches described in the sanction guidelines: a written risk assessment, client files showing identification, beneficial owner, activity, background checks and screening against United Nations lists, enhanced due diligence where required, records kept, registration and DOMEL. SENACLAFT publishes a monitor of inspections and sanctions by sector.<\/p>\n<p>According to the Office of the President, the UIAF received 1,080 suspicious transaction reports in 2025; 107 came from the non-financial sector.<\/p>\n<h2 id=\"sanciones\">Sanctions: types of breach and fine scale<\/h2>\n<p>The law provides for warnings, observations, fines from <strong>1,000 UI to 20,000,000 UI<\/strong> and suspension, either temporary (up to three months) or permanent with court authorisation. Directors and senior management who did not act with due diligence can also be sanctioned.<\/p>\n<p>Resolution 61\/026 classifies breaches into three levels:<\/p>\n<table>\n<thead>\n<tr>\n<th>Type<\/th>\n<th>Examples<\/th>\n<th>Sanction<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td><strong>Serious<\/strong> (<em>grave<\/em>)<\/td>\n<td>Failing to report a suspicious transaction; failing to appear; not registering or updating the registry, or having no DOMEL; not applying enhanced due diligence; not keeping records; not performing due diligence; not identifying the beneficial owner; not correcting observed issues.<\/td>\n<td>Fine, temporary or permanent suspension.<\/td>\n<\/tr>\n<tr>\n<td><strong>Intermediate<\/strong> (<em>severa<\/em>)<\/td>\n<td>A prevention system not suited to the size of the business; not providing requested information; significant gaps in identifying the customer, the beneficial owner or the customer&#8217;s activity, or in list screening.<\/td>\n<td>Fine (or an observation, depending on the circumstances).<\/td>\n<\/tr>\n<tr>\n<td><strong>Minor<\/strong> (<em>leve<\/em>)<\/td>\n<td>Gaps in simplified or standard due diligence; a notary failing to record due diligence; other minor breaches.<\/td>\n<td>Warning or observation.<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p>Fines are set according to the offender&#8217;s income category, based on its tax returns filed with the DGI:<\/p>\n<table>\n<thead>\n<tr>\n<th>Category<\/th>\n<th>Income (UI)<\/th>\n<th>Intermediate breach (UI)<\/th>\n<th>Serious breach (UI)<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>I<\/td>\n<td>Up to 305,000<\/td>\n<td>Up to 45,000<\/td>\n<td>45,001 to 150,000<\/td>\n<\/tr>\n<tr>\n<td>II<\/td>\n<td>Up to 915,000<\/td>\n<td>Up to 150,000<\/td>\n<td>150,001 to 275,000<\/td>\n<\/tr>\n<tr>\n<td>III<\/td>\n<td>Up to 1,830,000<\/td>\n<td>Up to 275,000<\/td>\n<td>275,001 to 550,000<\/td>\n<\/tr>\n<tr>\n<td>IV<\/td>\n<td>Up to 3,660,000<\/td>\n<td>Up to 550,000<\/td>\n<td>550,001 to 1,100,000<\/td>\n<\/tr>\n<tr>\n<td>V<\/td>\n<td>Up to 7,320,000<\/td>\n<td>Up to 1,100,000<\/td>\n<td>1,100,001 to 2,200,000<\/td>\n<\/tr>\n<tr>\n<td>VI<\/td>\n<td>Over 7,320,000<\/td>\n<td>Up to 2,200,000<\/td>\n<td>2,200,001 to 4,400,000<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<ul>\n<li>The amount can rise or fall by <strong>up to 50%<\/strong> for aggravating factors (concealment, benefit obtained, repeat offence within five years, prior record) or mitigating factors (cooperation with the inspection, an isolated breach).<\/li>\n<li>If the entity is not registered with the DGI and there is no information on its activity, the fine can be set at <strong>1% to 5%<\/strong> of the transaction volume detected.<\/li>\n<li>For habitual offenders, deliberate involvement in laundering or altering documents filed with SENACLAFT, it can reach 20,000,000 UI or suspension.<\/li>\n<\/ul>\n<h2 id=\"preparacion\">How to prepare<\/h2>\n<ol class=\"gt-steps\">\n<li><strong>Confirm the scope<\/strong>: for professionals it depends on the transaction, not the job title.<\/li>\n<li><strong>Register and set up DOMEL<\/strong>, keeping data up to date.<\/li>\n<li><strong>Write a tailored risk assessment<\/strong> and a manual consistent with it.<\/li>\n<li><strong>Put client files in order<\/strong>, including older ones.<\/li>\n<li><strong>Train staff and keep evidence<\/strong>; SENACLAFT offers free courses.<\/li>\n<li><strong>Define the internal STR workflow<\/strong> and how confidentiality is protected.<\/li>\n<li><strong>Review the system periodically<\/strong> using Resolution 61\/026 as a checklist.<\/li>\n<\/ol>\n<h2 id=\"faq\">Frequently asked questions<\/h2>\n<div class=\"gt-faq-list\">\n<details>\n<summary>What is SENACLAFT?<\/summary>\n<p>Uruguay&#8217;s National Secretariat for the Fight against Money Laundering and Terrorist Financing, a body under the Office of the President that supervises and sanctions non-financial obliged entities.<\/p>\n<\/details>\n<details>\n<summary>Is an accountant or lawyer always an obliged entity?<\/summary>\n<p>No. Only when taking part in the transactions listed in the law, such as managing client funds or forming companies, or, for accountants, when issuing audit or limited review reports. Advice is not covered.<\/p>\n<\/details>\n<details>\n<summary>Do notaries have to register with SENACLAFT?<\/summary>\n<p>Not directly: the Notarial Fund provides their data. They must still meet all AML obligations and record due diligence in the deed.<\/p>\n<\/details>\n<details>\n<summary>How much does registration cost?<\/summary>\n<p>Nothing. The procedure is online and free; changes in data must be reported within 30 days.<\/p>\n<\/details>\n<details>\n<summary>What is the fine for not registering?<\/summary>\n<p>The current guidelines treat it as a serious breach. The fine depends on the income category (for the lowest, the serious-breach scale runs from 45,001 to 150,000 UI) and can be adjusted by up to 50% for aggravating or mitigating factors.<\/p>\n<\/details>\n<details>\n<summary>Who receives suspicious transaction reports?<\/summary>\n<p>The UIAF of the Central Bank of Uruguay, not SENACLAFT, and the customer must not be informed.<\/p>\n<\/details>\n<\/div>\n<h2>SENACLAFT compliance with GlobalTax<\/h2>\n<p>At GlobalTax we help non-financial obliged entities confirm their scope, register, draft the risk assessment and manual, organise client files and prepare for an inspection. Find out more about our <a href=\"https:\/\/globaltax.com.uy\/en\/compliance-and-governance\/\">compliance and governance<\/a> services or <a href=\"https:\/\/globaltax.com.uy\/en\/contact\/\">contact us<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>In short: SENACLAFT is the body that checks that non-financial obliged entities (article 13 of Law 19,574) comply with anti-money laundering and counter-terrorist financing rules; it\u2026<\/p>\n","protected":false},"author":14,"featured_media":26070,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[295],"tags":[],"class_list":["post-26065","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-company-in-uruguay"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>SENACLAFT: non-financial obliged entities in 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