Commentaries: Art. 19

The dealer shall verify the background to the transaction, namely the origin of the money, and the purpose of the transaction if it appears unusual or if there are indications of money laundering.
There are indications of money laundering in particular if:
1. the person pays predominantly with small denomination banknotes;
2. easily saleable goods with a high degree of standardisation are the main items purchased;
3. the person does not provide any information or provides insufficient information to identify him or herself in accordance with Article 17 or to establish the identity of the beneficial owner in accordance with Article 18;
4. the person makes obviously false or misleading statements;
5. there are doubts about the authenticity of the identity documents presented.
Verification shall be carried out by the dealer asking the customer or its representative about the background and the purpose of the transaction, assessing the plausibility of the information and recording the clarifications in writing.