# FATF R.11 — Record-keeping - **Part of:** [[FATF Recommendations]] Financial institutions must maintain, for at least five years, all records on domestic and international transactions, sufficient to reconstruct individual transactions as evidence for prosecuting criminal activity. They must likewise keep all documents obtained through customer due diligence, account files and business correspondence, including any analysis undertaken, for at least five years after a business relationship ends or an occasional transaction occurs. These records must be maintained under law and made available promptly to domestic competent authorities on request. ## Keyed AMLR articles - [[AMLR Art. 77 - Record retention|AMLR Art. 77]] — Record retention - [[AMLR Art. 78 - Records to authorities|AMLR Art. 78]] — Records to authorities ## Further AMLR connections - [[AMLR Art. 21 - Inability to comply with CDD|AMLR Art. 21]] — FATF R.11 requires keeping CDD documents, account files and analyses; AMLR Art. 21(3) requires records of CDD actions and decisions with supporting documents and justifications. *(related)* ## Authoritative text > [!quote]- FATF Recommendation 11 — text of the Recommendation (FATF Recommendations, updated June 2026); interpretive note not reproduced > **11. Record-keeping** > Financial institutions should be required to maintain, for at least five years, all necessary records on transactions, both domestic and international, to enable them to comply swiftly with information requests from the competent authorities. Such records must be sufficient to permit reconstruction of individual transactions (including the amounts and types of currency involved, if any) so as to provide, if necessary, evidence for prosecution of criminal activity. > Financial institutions should be required to keep all records obtained through CDD measures (e.g. copies or records of official identification documents like passports, identity cards, driving licences or similar documents), account files and business correspondence, including the results of any analysis undertaken (e.g. inquiries to establish the background and purpose of complex, unusual large transactions), for at least five years after the business relationship is ended, or after the date of the occasional transaction. > Financial institutions should be required by law to maintain records on transactions and information obtained through the CDD measures. > The CDD information and the transaction records should be available to domestic competent authorities upon appropriate authority.