يجب أن تكون لدى المؤسسات المصرفية سياسات وإجراءات منظمة لتحديد هوية العملاء الجدد ومن يعملون نيابة عنهم، ويجب ألا تدخل في علاقة مصرفية إلا بعد التحقق من هوية العميل الجديد.
The financial institutions should have a systematic identification policy and procedure for new customers and for those acting on their behalf, and should not establish a banking relationship until the identity of the new customer is verified. All information necessary for adequate identification of each new customer, including purpose, nature of the business relationship, should be obtained.