Loi n° 43-05 relative à la lutte contre le blanchiment de capitaux, telle que modifiée et complétée par la loi n° 12-18

The AML/CFT backbone. Loi 12-18 (BO of 2 September 2021) rebuilt the framework: the FIU was upgraded from UTRF to the ANRF (Autorité Nationale du Renseignement Financier, reporting to the Head of Government, decree 2.21.633); a National Commission (CNASNU) implements UN Security Council targeted financial sanctions; a NATIONAL REGISTER OF BENEFICIAL OWNERS was created; beneficial-owner identification, systematic reporting and suspicious-transaction reporting (via goAML) were tightened; sanction ceilings doubled; money-laundering jurisdiction extended to the Casablanca, Fès and Marrakech courts alongside Rabat. Morocco was REMOVED FROM THE FATF GREY LIST in February 2023 - a material country-risk upgrade.