“What we need from you and why . . .”
As a client or potential client we understadn how frustrating it may be when we ask you for documents related to complying with the Anti-Money Laundering legislation (AML).
All law firms in the UK must comply with the The Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017.
We have to comply with these AML checks as part of our service to you, which we hope will demonstrate our commitment to protecting all clients and that we always act with integrity.
The following list of FAQs will enable you to have a clearer understanding of what we need from you in terms of AML ID documentation, and more importantly, why.
"Why do you need all this information?"
By law, we must check who our clients are before we start working together or handle their money. That means confirming identity, understanding the purpose of the matter, and, where relevant, identifying beneficial owners. These checks aren’t unique to law firms – banks and other financial institutions must do the same.
"Why are you asking about my source of funds?"
We’re required by law to understand where your money is coming from. This isn’t about judging your finances. Rather, it’s about preventing money laundering and protecting everyone involved. It also helps us ensure the transaction is legitimate and transparent.
"Is this going to delay my case?"
Usually not. With digital tools like Legl, most checks only take a few hours, compared to days in the past. The only time it may take longer is if extra steps are required, but even then we work to complete it as quickly as possible.
"What happens if I don’t provide the documents?"
Unfortunately, we can’t start or continue work without the required information. The law prohibits us from doing so until the checks are complete. What’s more, completing these checks shows that our solicitors (and our firm more generally) acts with integrity. It’s an important part of our processes that shows we take our responsibilities seriously.
"Can’t you just check this information yourself?"
Some details, like your ID, need to come directly from you. While we use digital tools to make checks faster, certain documents must be verified at the source. Providing them upfront helps us avoid delays later on.
"I’ve worked with you before – why are you asking again?"
We have to keep information up to date and carry out ongoing monitoring. If your circumstances change – for example, you have a new address, a change of business ownership, or links to higher-risk jurisdictions – we may need to carry out additional checks.
"Why are these checks stricter than last time?"
AML rules are constantly evolving to keep up with new threats and risks. As regulations tighten, we update our processes to stay compliant. This might mean asking for additional information, even from long-standing clients.
"I’m the director of a company – do you need personal documents too?"
Yes. If we’re working with a business, we also need to verify key individuals behind it, such as directors and beneficial owners. This is a legal requirement designed to prevent misuse of corporate structures.
"Will my information be kept confidential?"
Yes. Your data is protected under law and by our AML policies. The only exception is if we suspect criminal activity. In that case, we may be required to make a confidential report to the National Crime Agency. The law prevents us from informing you if this happens.
"How long will you keep my information?"
We’ll keep your ID documents only for as long as required by law – typically five years after your matter ends.