<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9">
<url>
<loc>https://acd.mlaw.gov.sg/</loc>
<lastmod>2026-06-19T06:58:21.804Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/appeals-submission-guide/</loc>
<lastmod>2026-06-18T01:39:35.263Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/compliance/</loc>
<lastmod>2026-05-01T10:39:55.028Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/compliance/entity-based-requirements/</loc>
<lastmod>2026-06-08T02:21:17.775Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/compliance/transaction-based-requirements/</loc>
<lastmod>2026-05-23T07:44:13.983Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/compliance/other-regulatory-requirements/</loc>
<lastmod>2026-06-18T08:14:05.594Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/compliance/red-flag-indicators/</loc>
<lastmod>2026-06-08T00:50:08.878Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/compliance/aml-cft-cpf-supervisory-expectations/</loc>
<lastmod>2026-06-08T00:28:37.241Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/compliance/offences-breaches-under-the-pspm-act-and-pmltf-regulations/</loc>
<lastmod>2026-05-01T10:14:04.070Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/compliance/compliance-review-programme/</loc>
<lastmod>2026-06-08T00:41:57.806Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/compliance/aml-cft-cpf-resources/</loc>
<lastmod>2026-06-05T09:12:50.111Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/crp-reviewers/</loc>
<lastmod>2026-06-16T09:15:19.887Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/customers/</loc>
<lastmod>2026-05-01T10:30:43.920Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/customers/what-i-should-know/</loc>
<lastmod>2026-05-26T15:26:22.803Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/customers/notice-for-customers/</loc>
<lastmod>2026-04-30T07:41:39.031Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/faq/</loc>
<lastmod>2026-06-08T02:38:39.253Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/</loc>
<lastmod>2026-06-19T07:11:15.209Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/acd-enforcement-report-2021-to-2024/</loc>
<lastmod>2026-06-16T07:39:13.079Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/additional-guidance-feb-2025/</loc>
<lastmod>2026-06-16T07:23:52.430Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/amendments-to-guidelines-2-may-2024/</loc>
<lastmod>2026-06-16T07:24:52.242Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/amendments-to-guidelines-13-feb-2026/</loc>
<lastmod>2026-06-16T07:24:10.823Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/amendments-to-subsidiary-legislation-under-pspm-act-15-nov-2023/</loc>
<lastmod>2026-06-16T07:25:32.598Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/amendments-to-subsidiary-legislation-under-the-pspm-act-and-the-guidelines-for-regulated-dealers--version-2-0--with-effect-from-14-dec-2020/</loc>
<lastmod>2026-06-16T07:38:25.886Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/amendments-to-subsidiary-legislation-20-dec-2024/</loc>
<lastmod>2026-06-16T07:25:13.124Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/amendments-to-guidelines-15-nov-2023/</loc>
<lastmod>2026-06-16T07:24:31.355Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/amendments-to-the-guidelines-for-regulated-dealers-with-effect-from-28-aug-2019--version-1-1-/</loc>
<lastmod>2026-06-16T07:35:45.900Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/amendments-to-the-pspm-act-1-may-2024/</loc>
<lastmod>2026-06-16T07:27:10.990Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-february-2020-fatf-statement/</loc>
<lastmod>2026-06-16T07:34:53.288Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-february-2021-fatf/</loc>
<lastmod>2026-06-16T07:36:55.332Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/february-2023-fatf-statement/</loc>
<lastmod>2026-06-16T07:29:03.001Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/february-2024-fatf-statement/</loc>
<lastmod>2026-06-16T07:29:18.252Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-february-2025-fatf-statement/</loc>
<lastmod>2026-06-16T07:27:25.897Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-february-2026-fatf-statement/</loc>
<lastmod>2026-06-24T02:43:21.016Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-june-2020-fatf-statement/</loc>
<lastmod>2026-06-16T07:37:22.908Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-june-2021-fatf-statement/</loc>
<lastmod>2026-06-16T07:37:36.374Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/june-2022-fatf-statement/</loc>
<lastmod>2026-06-16T07:37:09.802Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/june-2023-fatf-statement/</loc>
<lastmod>2026-06-16T07:37:49.758Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/june-2024-fatf-statement/</loc>
<lastmod>2026-06-16T07:29:31.776Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-june-2025-fatf-statement/</loc>
<lastmod>2026-06-16T07:28:03.803Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-june-2026-fatf-statement/</loc>
<lastmod>2026-06-24T04:24:54.754Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/march-2022-fatf-statement/</loc>
<lastmod>2026-06-16T07:38:02.645Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-october-2020-fatf-statement/</loc>
<lastmod>2026-06-16T07:36:00.602Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-october-2021-fatf-statement/</loc>
<lastmod>2026-06-16T07:36:28.252Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/october-2022-fatf-statement/</loc>
<lastmod>2026-06-16T07:31:39.992Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/october-2023-fatf-statement/</loc>
<lastmod>2026-06-16T07:32:02.638Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-october-2024-fatf-statement/</loc>
<lastmod>2026-06-16T07:28:17.688Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/call-for-action-in-accordance-with-october-2025-fatf-statement/</loc>
<lastmod>2026-06-16T07:28:31.994Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/compliance-toolkit-for-psmd/</loc>
<lastmod>2026-06-16T07:28:47.360Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/compliance-training/</loc>
<lastmod>2026-06-16T06:56:40.922Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/cyber-risks-associated-with-genai-and-deepfakes/</loc>
<lastmod>2026-06-16T07:12:11.755Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/gois-in-gold-and-jewellery-transactions/</loc>
<lastmod>2026-06-16T07:07:36.605Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/enforcement-actions/</loc>
<lastmod>2026-06-18T01:06:08.522Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/enforcement-report/</loc>
<lastmod>2026-06-16T06:29:35.908Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/environmental-crime-money-laundering-national-risk-assessment/</loc>
<lastmod>2026-06-16T07:30:04.783Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/fatf-publications--horizon-scan-on-ai-and-deepfakes--report-on-stablecoins-and-unhosted-wallets/</loc>
<lastmod>2026-06-16T07:22:57.605Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/gois-involving-luxury-watches-and-anti-scam-posters-for-display/</loc>
<lastmod>2026-06-17T12:19:32.354Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/gst-missing-trader-fraud-involving-precious-metals/</loc>
<lastmod>2026-06-16T07:11:44.013Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/guidance-paper-on-strengthening-aml-cft-controls-in-the-pspm-sector-issued-on-16-june-2021/</loc>
<lastmod>2026-06-16T07:35:29.328Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/guidelines-for-regulated-dealers-issued-on-30-april-2019/</loc>
<lastmod>2026-06-16T07:36:14.734Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/induction-briefings/</loc>
<lastmod>2026-06-16T06:58:30.580Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/information-and-guidance-on-countering-the-financing-of-terrorism/</loc>
<lastmod>2026-06-16T07:29:47.647Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/issuance-of-code-of-practice-on-aml-measures-for-psmds-to-combat-scam-related-money-laundering-cases/</loc>
<lastmod>2026-06-16T07:23:25.416Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/june-2019-fatf-public-statement---countries-or-jurisdictions-with-strategic-deficiencies/</loc>
<lastmod>2026-06-16T07:36:40.615Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/screening-function/</loc>
<lastmod>2026-06-16T07:33:33.487Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/mlaw-imposes-composition-sum-on-spme-and-its-ceo/</loc>
<lastmod>2026-06-16T06:27:44.063Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/money-laundering-from-environmental-crime/</loc>
<lastmod>2026-06-16T07:30:42.511Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/ml-national-risk-assessment-and-asset-recovery-strategy/</loc>
<lastmod>2026-06-16T07:30:58.971Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/monograph-on-objectives-and-principles-of-regulatory-oversight/</loc>
<lastmod>2026-06-16T07:30:27.896Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/national-strategy-for-countering-the-financing-of-terrorism/</loc>
<lastmod>2026-06-17T12:24:53.967Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/new-registration-scheme-and-notification-requirements-with-effect-from-10-april-2021/</loc>
<lastmod>2026-06-16T07:34:18.796Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/news-release-on-the-arrest-of-persons-who-impersonated-government-officials/</loc>
<lastmod>2026-06-16T07:08:04.721Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/nine-individuals-investigated-for-illegal-touting-activities-at-changi-airport/</loc>
<lastmod>2026-06-16T06:42:29.127Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/october-2019-fatf-public-statement---countries-or-jurisdictions-with-strategic-deficiencies/</loc>
<lastmod>2026-06-16T07:34:36.018Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/onboarding-conferences/</loc>
<lastmod>2026-06-18T01:36:51.949Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/onboarding-workshops-for-compliance-officer/</loc>
<lastmod>2026-06-16T06:58:03.153Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/online-briefing-on-guidance-paper/</loc>
<lastmod>2026-06-16T06:57:07.191Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/online-training-on-submission-of-semi-annual-returns/</loc>
<lastmod>2026-06-18T08:06:51.421Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/parliamentary-speech/</loc>
<lastmod>2026-06-16T06:52:32.167Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/press-releases/</loc>
<lastmod>2026-06-16T07:04:02.041Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/psmd-fined--9-000-for-failing-to-submit-cash-transaction-report/</loc>
<lastmod>2026-06-16T06:43:13.809Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/psmd-fined-35k-for-failing-to-perform-customer-due-diligence-measures/</loc>
<lastmod>2026-06-16T06:44:23.496Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/pspm-act--year-in-review-mar-2020/</loc>
<lastmod>2026-06-16T07:14:10.704Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/publication-of-cpf-industry-best-practice-paper/</loc>
<lastmod>2026-06-16T07:32:25.835Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/publication-of-singapore-risk-assessments-and-national-strategies/</loc>
<lastmod>2026-06-16T07:32:44.221Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/regulatory-excellence-award-2022/</loc>
<lastmod>2026-06-16T06:45:05.408Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/regulatory-reforms/</loc>
<lastmod>2026-06-16T07:33:01.329Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/remain-vigilant-during-covid-19/</loc>
<lastmod>2026-06-16T07:38:42.115Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/reporting-requirement-for-regulated-dealers-with-effect-from-1-january-2021/</loc>
<lastmod>2026-06-16T07:33:19.364Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/reports-of-government-official-impersonation-scam-gois/</loc>
<lastmod>2026-06-16T07:07:23.121Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/reports-of-gois-involving-physical-mules/</loc>
<lastmod>2026-06-16T07:07:07.396Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/sttar-2022/</loc>
<lastmod>2026-06-16T07:33:48.629Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/singapore-s-2026-mutual-evaluation-report/</loc>
<lastmod>2026-06-16T07:22:17.997Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/skillsfuture-fellowships-and-skillsfuture-employer-awards-2022/</loc>
<lastmod>2026-06-16T06:54:48.698Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/skillsfuture-fellowships-and-skillsfuture-employer-awards-2024/</loc>
<lastmod>2026-06-16T06:56:03.011Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/skillsfuture-fellowships-and-skillsfuture-employer-awards-2025/</loc>
<lastmod>2026-06-16T06:55:31.673Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/star-partner-award-2020/</loc>
<lastmod>2026-06-18T01:08:09.566Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/terrorism-financing-national-risk-assessment-2020/</loc>
<lastmod>2026-06-16T07:35:09.975Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/news/terrorism-financing-national-risk-assessment/</loc>
<lastmod>2026-06-16T07:34:04.416Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/privacy/</loc>
<lastmod>2026-04-19T06:31:20.283Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulated-dealers/</loc>
<lastmod>2026-05-01T10:24:58.284Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulated-dealers/data-protection/</loc>
<lastmod>2026-06-08T01:37:27.236Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulated-dealers/e-services/</loc>
<lastmod>2026-06-17T12:30:32.747Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulated-dealers/guidance-materials/</loc>
<lastmod>2026-06-17T12:35:47.177Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulated-dealers/guidance-videos-and-posters/</loc>
<lastmod>2026-06-08T09:06:51.903Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulated-dealers/list-of-registered-dealers/</loc>
<lastmod>2026-06-16T08:56:51.183Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulated-dealers/registration/</loc>
<lastmod>2026-06-16T09:12:06.640Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulated-dealers/registration-of-temporary-outlets/</loc>
<lastmod>2026-05-01T09:58:42.799Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulated-dealers/regulation-coverage/</loc>
<lastmod>2026-05-01T09:59:12.828Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulated-dealers/regulatory-regime/</loc>
<lastmod>2026-05-23T07:53:50.027Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulated-dealers/renewal/</loc>
<lastmod>2026-06-16T08:54:41.776Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulation/</loc>
<lastmod>2026-06-24T04:26:39.216Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulation/guidance-papers/</loc>
<lastmod>2026-06-16T09:14:01.941Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/regulation/guidelines/</loc>
<lastmod>2026-05-23T07:59:28.368Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/safeguarding-psmd-sector/</loc>
<lastmod>2026-04-19T06:33:08.831Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/search/</loc>
<lastmod>2026-03-18T11:17:42.030Z</lastmod>
</url>
<url>
<loc>https://acd.mlaw.gov.sg/terms-of-use/</loc>
<lastmod>2026-04-19T06:33:31.879Z</lastmod>
</url>
</urlset>
