新西兰正在对反洗钱身份验证体系进行“去繁化与风险分级改革”，目标是在打击金融犯罪的同时，显著降低普通民众的合规负担与办事门槛。
新版反洗钱身份核验规则出台，新西兰简化身份验证流程
内政部长 Brooke van Velden 与副司法部长 Nicole McKee 今日宣布更新《反洗钱身份验证行为准则（AML Identity Verification Code of Practice）》，旨在减少新西兰人在证明身份时面临的不必要障碍。
核心变化：减少繁琐验证流程
新规将于 2026年7月1日 起大部分正式生效，这是自2013年以来首次全面更新。
McKee表示：
“反洗钱制度已经变得过慢、过于重复，并且让普通民众和企业感到沮丧。”
她指出，新规将：
- 提供更清晰的指导
- 增强规则一致性
- 采用更“实用”的风险导向方式
风险导向：低风险客户减少负担
政府强调，新制度将更聚焦真实金融犯罪：
“AML规则应针对真正的金融犯罪，而不是低风险客户。”
在风险较低的情况下：
- 身份核验要求将减少
- 流程将更加简化
使用更灵活的身份证明方式
内政部长 Brooke van Velden 表示，新规将允许更灵活的身份验证方式，包括：
- 更容易使用 SuperGold Card（老年卡）
- 更容易使用 Total Mobility Card（残障出行卡）
作为辅助身份证明
其他重要调整
新规还包括：
1. 扩大可信证明人员范围
- 将 Māori Land Court 官员纳入可信推荐人名单
2. 标准化例外处理流程
减少逐案风险评估，例如：
- 养老院居民
- 海外居住客户
3. 海外身份验证更灵活
允许使用更多可靠的海外政府数据源进行身份核验
企业保护机制：“安全港”条款
新代码属于“行业行为准则”，并非强制法律，但：
- 企业若正确遵循该准则
- 将获得“安全港保护（safe harbour）”
这意味着企业在合规操作下可减少法律风险。
政府立场：减少“红色合规负担”
McKee表示：
“多年AML合规导致成本上升、交易变慢、体验恶化。”
她称本次改革是：
- 自AML制度建立以来最大规模的“减负改革之一”
- 目标是减少不必要的监管负担
后续立法
政府还计划：
- 在本届任期内提交一项综合性“Omnibus Bill”
- 进一步削减AML相关监管成本
- 简化企业合规流程
政策意义简析
这次改革主要体现三点趋势：
1. 从“严格合规”转向“风险导向监管”
不再一刀切要求所有人提供相同级别证明。
2. 提升服务效率
减少银行、企业与普通民众的身份验证摩擦。
3. 数字化与现实需求结合
更适应老年人、残障人士以及跨境用户的实际情况。
New Zealanders will soon face fewer unnecessary barriers to proving who they are under a refreshed anti-money laundering Identity Verification Code of Practice announced today by Internal Affairs Minister Brooke van Velden and Associate Justice Minister Nicole McKee.
The majority of the Code will come into force on 1 July 2026, marking its first update since 2013.
“The AML regime has become too slow, too repetitive, and too frustrating for ordinary New Zealanders and the businesses serving them,” says Mrs McKee.
“This refreshed Code is an early example of our improvements to the AML regime – with clearer guidance, more consistency, and a more practical approach for businesses that have been crying out for reform.
“AML rules should target real financial crime, not low-risk customers. When the risk is low, requirements will be less burdensome.”
“The new Code makes it easier for businesses to check Kiwis are who they say they are in ways that are safe, sensible, and proportionate to risk,” says Ms van Velden.
“In particular, it will make it easier for elderly and disabled New Zealanders to use SuperGold Cards and Total Mobility Cards as secondary ID.
“While following the Code is not mandatory, it provides a safe harbour for businesses that apply it correctly.
“That means fewer barriers for customers, clearer rules for businesses, and a system focused on managing real risks.”
Other changes include:
adding officers of the Māori Land Court to the list of trusted referees
endorsing standardised exceptions processes, reducing the need for individual risk assessments in common circumstances such as customers in rest homes or living overseas
allowing more flexibility for reliable overseas government sources of identity verification.
“These practical changes to make New Zealanders’ lives easier are what we can expect to see more of as the new AML system comes into force,” says Mrs McKee.
“A final Omnibus Bill, which will provide further regulatory relief for businesses, is expected to be introduced to the House in the current term of Government.
“For years, AML compliance has meant higher costs, slower transactions, and endless frustration. This Government’s changes deliver the most meaningful reduction in AML red tape since the regime was introduced.”
The Code was developed following public consultation and testing with sector representatives.
The new code can be found on the Department of Internal Affairs website here: AML-CFT Information for Crown entities – dia.govt.nz
