{"id":10737,"date":"2025-12-12T09:42:24","date_gmt":"2025-12-12T09:42:24","guid":{"rendered":"https:\/\/www.amlcc.com\/?p=10737"},"modified":"2025-12-12T09:42:25","modified_gmt":"2025-12-12T09:42:25","slug":"what-cdd-must-a-property-business-complete","status":"publish","type":"post","link":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/","title":{"rendered":"What CDD must a property business complete?"},"content":{"rendered":"\n<div class=\"wp-block-uagb-container uagb-block-8cdf7575 alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\"><h1 style=\"margin-top:0;margin-bottom:0\" class=\"wp-block-post-title\">What CDD must a property business complete?<\/h1>\n\n\n<div class=\"wp-block-uagb-info-box uagb-block-4293da6b uagb-infobox__content-wrap  uagb-infobox-icon-left-title uagb-infobox-left uagb-infobox-image-valign-middle\"><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-left-title-image\"><div class=\"uagb-ifb-image-content\"><img decoding=\"async\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2024\/09\/Richard-Simms-AMLCC-956x1024.png\" alt=\"Richard Simms\" width=\"80\" height=\"85\" loading=\"lazy\"\/><\/div><div class=\"uagb-ifb-title-wrap\"><span class=\"uagb-ifb-title-prefix\">Richard Simms<\/span><h3 class=\"uagb-ifb-title\">Director and Founder of AMLCC and AMLCC Consult<\/h3><\/div><\/div><\/div><\/div>\n\n\n<figure style=\"aspect-ratio:16\/9;height:480px\" class=\"wp-block-post-featured-image\"><img loading=\"lazy\" decoding=\"async\" width=\"2560\" height=\"1707\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-scaled.jpg\" class=\"attachment-post-thumbnail size-post-thumbnail wp-post-image\" alt=\"What CDD must a property business complete?\" style=\"width:100%;height:100%;object-fit:cover;\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-scaled.jpg 2560w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-300x200.jpg 300w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-1024x683.jpg 1024w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-768x512.jpg 768w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-1536x1024.jpg 1536w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 2560px) 100vw, 2560px\" \/><\/figure><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-f4715dae alignfull uagb-is-root-container\"><div class=\"uagb-container-inner-blocks-wrap\">\n<div class=\"wp-block-uagb-container uagb-block-f9c6201f\">\n<p class=\"wp-block-paragraph\">Property professionals have long been regulated for AML. Yet HMRC still reports significant gaps in customer due diligence (CDD). Both estate agents and letting agents must complete CDD, but the triggers and depth of checks can differ depending on the service offered.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.gov.uk\/government\/publications\/money-laundering-regulations-2007-supervision-of-estate-agency-businesses\">We\u2019ve looked at HMRC\u2019s Anti-Money Laundering Supervision: Estate Agency and Letting Agency Businesses<\/a>&nbsp;(HMRC AML guidance) to bring you a quick guide to when CDD applies, what the regulations require and how expectations vary between estate and lettings agents.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The legal basis for customer due diligence in property businesses<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Under the Money Laundering Regulations 2017 (as amended) (MLRs), estate and letting agents must complete customer due diligence when they:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>establish a business relationship;<\/li>\n\n\n\n<li>carry out an occasional transaction above the relevant threshold;<\/li>\n\n\n\n<li>suspect money laundering or terrorist financing in the future; or<\/li>\n\n\n\n<li>doubt the veracity or adequacy of information previously obtained.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">HMRC\u2019s guidance for estate and letting agency businesses reinforces these duties and sets out how CDD should be applied in practice.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When estate agents must complete CDD<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Estate agents must conduct customer due diligence on both the seller and the buyer. The trigger is clear: CDD must be completed as soon as the business relationship is established, which is defined in Section 6.8 as \u2019the point at which an offer is accepted, having already entered into a relationship with the seller, usually at the point of marketing the property\u2019 and includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>identifying and verifying the seller before marketing the property;<\/li>\n\n\n\n<li>identifying and verifying the buyer before the offer is formally accepted;<\/li>\n\n\n\n<li>completing CDD even if the sale does not complete; and<\/li>\n\n\n\n<li>refreshing CDD where circumstances change or new information raises risk.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Customer due diligence applies regardless of property value, whether the parties are individuals or companies, and whether the agent acts for one or both sides.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>CDD for corporate buyers and sellers<\/strong><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Where clients are companies, estate agents must identify and verify beneficial owners, including any individual with more than 25% ownership or control. HMRC\u2019s guidance expects agents to understand the ownership structure and verify identities accordingly.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>obtaining company formation documents;<\/li>\n\n\n\n<li>understanding the control structure;<\/li>\n\n\n\n<li>identifying and verifying beneficial owners; and<\/li>\n\n\n\n<li>making sure the person giving instructions is authorised to act.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">When letting agents must complete CDD<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Letting agents fall under the Regulations only when they handle lettings of \u00a310,000 or more per month. Customer due diligence must be applied to the landlord and the tenant, when the agent establishes a business relationship. This is defined as when \u2018the tenant\u2019s offer is accepted, where the tenancy is for at least a month, and\u2026before the tenancy agreement is confirmed.\u2019&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For letting agents, HMRC expects CDD to cover:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>identifying and verifying landlords, including beneficial owners when the property is owned by a company or trust;<\/li>\n\n\n\n<li>identifying and verifying tenants where the rent exceeds \u00a310,000 per month; and<\/li>\n\n\n\n<li>obtaining information on the source of funds used for deposits and rent where risk indicators appear.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">In lets below \u00a310,000 per month, letting agents are not regulated for AML purposes and do not need to complete CDD. But if suspicious activity is identified, the agent has an&nbsp;obligation&nbsp;to report it&nbsp;under&nbsp;the&nbsp;<a href=\"https:\/\/www.legislation.gov.uk\/ukpga\/2002\/29\/contents\">Proceeds of Crime Act 2002<\/a>&nbsp;(POCA), regardless of AML registration status.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">What customer due diligence must include<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">HMRC\u2019s guidance sets out minimum requirements every property business must follow, whether dealing with estate transactions or regulated lettings business.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>1. Identify the customer<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">You must collect sufficient information to understand who the client is and the nature of the relationship. This applies to individuals, companies, trusts and partnerships.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>2. Verify identity<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Verification must be based on reliable, independent source documents, data or information. HMRC highlights acceptable documents (e.g. passports, driving licences) and advises businesses to consider digital verification where appropriate.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>3. Identify and verify beneficial owners<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If the client is not a natural person, you must find out who ultimately owns or controls it. This often requires reviewing:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Companies House filings<\/li>\n\n\n\n<li>ownership charts<\/li>\n\n\n\n<li>trust deeds<\/li>\n\n\n\n<li>registers of overseas entities (where applicable)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>4. Understand the purpose and nature of the transaction<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>why the client is buying, selling or letting;<\/li>\n\n\n\n<li>how the property fits into their wider activities; and<\/li>\n\n\n\n<li>whether the transaction is consistent with the client\u2019s profile.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>5. Establish\u00a0<a href=\"https:\/\/www.amlcc.com\/whats-source-of-funds\/\">source of funds<\/a>\u00a0and, where appropriate,\u00a0<a href=\"https:\/\/www.amlcc.com\/whats-source-of-wealth\/\">source of wealth<\/a><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Estate agency transactions and high-value lettings, often involve large sums and opaque structures. HMRC expects checks proportionate to the risk, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>verifying deposits;<\/li>\n\n\n\n<li>understanding how the purchase or rent will be funded; and<\/li>\n\n\n\n<li>obtaining evidence where explanations are unclear or inconsistent.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>6. Complete a client risk assessment<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A detailed client risk assessment must be completed on both the buyer and the seller including many risk factors such as client, transaction and geographic as well as proliferation financing risk.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>7. Conduct ongoing monitoring<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Customer due diligence is not a one-off event. Property businesses must:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>update records when circumstances change;<\/li>\n\n\n\n<li>identify unusual payment patterns;<\/li>\n\n\n\n<li>reassess risk if the client\u2019s behaviour shifts; and<\/li>\n\n\n\n<li>refresh ID if the relationship is ongoing or transactions continue.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Higher-risk situations might require EDD<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Both estate and letting agents must apply&nbsp;<a href=\"https:\/\/www.amlcc.com\/what-is-enhanced-due-diligence\/\">enhanced due diligence<\/a>&nbsp;(EDD) when risk is higher. HMRC\u2019s guidance highlights common risk factors, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>politically exposed persons;<\/li>\n\n\n\n<li>high-risk jurisdictions;<\/li>\n\n\n\n<li>complex or opaque ownership structures;<\/li>\n\n\n\n<li>transactions with no clear economic rationale; or<\/li>\n\n\n\n<li>clients reluctant to provide documentation.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">EDD may involve:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>obtaining further documentation;<\/li>\n\n\n\n<li>deeper source of funds and source of wealth checks;<\/li>\n\n\n\n<li>more frequent monitoring; or<\/li>\n\n\n\n<li>senior management approval to proceed.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Common CDD pitfalls in the property sector<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">HMRC\u2019s supervisory findings show several recurring issues:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Completing CDD too late in the process<\/li>\n\n\n\n<li>Relying solely on estate agency identity checks without assessing risk<\/li>\n\n\n\n<li>Failing to verify beneficial owners of companies or overseas entities<\/li>\n\n\n\n<li>Accepting funds from third parties without explanation<\/li>\n\n\n\n<li>Applying the same CDD to all clients rather than using a risk-based approach<\/li>\n\n\n\n<li>Missing CDD for buyers (a common estate agency inspection failing)<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">They\u2019ve penalised many firms for inconsistent client due diligence, weak record-keeping and poor understanding of source of funds requirements. The guidance stresses that firms must keep documented, verifiable evidence to demonstrate compliance.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Final thoughts<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Customer due diligence is not a formality. For property businesses it\u2019s your primary defence against being used to move illicit funds through the UK property market.&nbsp;<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Estate agents and letting agents face different triggers and expectations, but the core principles are the same: start CDD early, gather enough information to understand and verify the client, and build your checks around the risk they present. To achieve this a detailed client risk assessment must be carried out.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Doing this well protects your firm, reduces the chances of supervisory penalties and helps maintain trust in one of the sectors most targeted by money launderers.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<div class=\"wp-block-uagb-info-box uagb-block-7e2f0fec uagb-infobox__content-wrap  uagb-infobox-icon-above-title uagb-infobox-image-valign-top has-ast-global-color-4-background-color\"><div class=\"uagb-ifb-content\"><div class=\"uagb-ifb-title-wrap\"><\/div><p class=\"uagb-ifb-desc\"><strong>Explore how AMLCC&#8217;s features can keep your property business completely compliant<\/strong><\/p><div class=\"uagb-ifb-button-wrapper wp-block-button\"><a href=\"https:\/\/www.amlcc.com\/product-features\/training\/\" class=\"uagb-infobox-cta-link wp-block-button__link\" target=\"_self\" rel=\"noopener noreferrer\" onclick=\"return true;\"><span class=\"uagb-inline-editing\">Learn more<\/span><\/a><\/div><\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container article-cta uag-hide-desktop uagb-block-f6be450a\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-69b8c097\"><h3 class=\"uagb-heading-text\">The one-stop AML solution<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-ebdcd75c82448b1b24200aa26878c3fb wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\" style=\"justify-content: center;\">\n<div class=\"wp-block-button is-style-fill\"><a href=\"\" class=\"wp-block-button__link wp-element-button demo-secondary\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/lisa-jco\/amlcc-demo?hide_gdpr_banner=1&#038;primary_color=ff4f5b'});return false;\">Book now<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uag-hide-desktop uagb-block-c5c14d25\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-a787415a\"><h3 class=\"uagb-heading-text\">We know AML<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-b9d9651e7d805b3930e06c1a2fdeee6c wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">We\u2019re regulated professionals too. We know what you need to comply with the Regulations.<br><\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-cffcf54f\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-082e00ee\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-ebce1a01\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-352e4894\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-fc153394\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-79a4148c wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.amlcc.com\/consult\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-99e38104\">\t\t\t\t<div class=\"wp-block-uagb-table-of-contents uagb-toc__align-left uagb-toc__columns-1  uagb-block-1daea5fd article-toc     \"\n\t\t\t\t\tdata-scroll= \"1\"\n\t\t\t\t\tdata-offset= \"30\"\n\t\t\t\t\tstyle=\"\"\n\t\t\t\t>\n\t\t\t\t<div class=\"uagb-toc__wrap\">\n\t\t\t\t\t\t<div class=\"uagb-toc__title\">\n\t\t\t\t\t\t\tJump to:\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"uagb-toc__list-wrap \">\n\t\t\t\t\t\t<ol class=\"uagb-toc__list\"><li class=\"uagb-toc__list\"><a href=\"#the-legal-basis-for-customer-due-diligence-in-property-businesses\" class=\"uagb-toc-link__trigger\">The legal basis for customer due diligence in property businesses<\/a><li class=\"uagb-toc__list\"><a href=\"#when-estate-agents-must-complete-cdd\" class=\"uagb-toc-link__trigger\">When estate agents must complete CDD<\/a><li class=\"uagb-toc__list\"><a href=\"#when-letting-agents-must-complete-cdd\" class=\"uagb-toc-link__trigger\">When letting agents must complete CDD<\/a><li class=\"uagb-toc__list\"><a href=\"#what-customer-due-diligence-must-include\" class=\"uagb-toc-link__trigger\">What customer due diligence must include<\/a><li class=\"uagb-toc__list\"><a href=\"#higher-risk-situations-might-require-edd\" class=\"uagb-toc-link__trigger\">Higher-risk situations might require EDD<\/a><li class=\"uagb-toc__list\"><a href=\"#common-cdd-pitfalls-in-the-property-sector\" class=\"uagb-toc-link__trigger\">Common CDD pitfalls in the property sector<\/a><li class=\"uagb-toc__list\"><a href=\"#final-thoughts\" class=\"uagb-toc-link__trigger\">Final thoughts<\/a><\/ol>\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\n\n\n<div class=\"wp-block-uagb-container article-cta uag-hide-tab uag-hide-mob uagb-block-9b41d3fe\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-28078d4a\"><h3 class=\"uagb-heading-text\">The one-stop AML solution<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-5d272eb52ee2429e4d9aca3147f023ba wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Educate your teams, improve efficiency and achieve AML compliance all in one place, using AMLCC. <\/p>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-1d59a108b13f9b62392e8e9a08c592ee wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">Talk to our experts about how we can help you secure your business.<\/p>\n\n\n\n<div class=\"wp-block-buttons is-layout-flex wp-container-core-buttons-is-layout-2 wp-block-buttons-is-layout-flex\" style=\"justify-content: center;\">\n<div class=\"wp-block-button is-style-fill\"><a href=\"\" class=\"wp-block-button__link wp-element-button demo-secondary\" onclick=\"Calendly.initPopupWidget({url: 'https:\/\/calendly.com\/lisa-jco\/amlcc-demo?hide_gdpr_banner=1&#038;primary_color=ff4f5b'});return false;\">Book a demo<\/a><\/div>\n<\/div>\n<\/div>\n\n\n\n<div class=\"uagb-position__sticky wp-block-uagb-container uag-hide-tab uag-hide-mob uagb-block-353bcb12\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-45cdaeb7\"><h3 class=\"uagb-heading-text\">We know AML<\/h3><\/div>\n\n\n\n<p class=\"has-ast-global-color-6-color has-text-color has-link-color wp-elements-b9d9651e7d805b3930e06c1a2fdeee6c wp-block-paragraph\" style=\"margin-top:0px;margin-bottom:0px;font-size:20px;line-height:1.3\">We\u2019re regulated professionals too. We know what you need to comply with the Regulations.<br><\/p>\n\n\n\n<div class=\"wp-block-uagb-icon-list uagb-block-b41f0db0\"><div class=\"uagb-icon-list__wrap\">\n<div class=\"wp-block-uagb-icon-list-child uagb-block-333d0a11\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We\u2019re internationally recognised AML experts<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-b485c460\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">We work with most accountancy supervisors and the Law Society<\/span><\/div>\n\n\n\n<div class=\"wp-block-uagb-icon-list-child uagb-block-c0d2ec75\"><span class=\"uagb-icon-list__source-wrap\"><svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox=\"0 0 512 512\"><path d=\"M0 256C0 114.6 114.6 0 256 0C397.4 0 512 114.6 512 256C512 397.4 397.4 512 256 512C114.6 512 0 397.4 0 256zM371.8 211.8C382.7 200.9 382.7 183.1 371.8 172.2C360.9 161.3 343.1 161.3 332.2 172.2L224 280.4L179.8 236.2C168.9 225.3 151.1 225.3 140.2 236.2C129.3 247.1 129.3 264.9 140.2 275.8L204.2 339.8C215.1 350.7 232.9 350.7 243.8 339.8L371.8 211.8z\"><\/path><\/svg><\/span><span class=\"uagb-icon-list__label\">Bespoke AML consultancy available for all sectors<\/span><\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-27986e97\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-5e096d1b wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"https:\/\/www.amlcc.com\/consult\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">Find out more<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-container half-blue-desktop uagb-block-89ea4904 alignfull uagb-is-root-container\">\n<div class=\"wp-block-uagb-container uagb-block-fdab8534\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-52a83ed5\"><h3 class=\"uagb-heading-text\">What others have said<\/h3><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider amlcc-testimonial-slider uagb-block-6c68dd50 uagb-slider-container\"><div class=\"uagb-slides uagb-swiper\"><div class=\"swiper-wrapper\">\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-b998a2d4\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-04f3c45e\">\n<div class=\"wp-block-uagb-container uagb-block-02c01de1\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-b215507c\"><h3 class=\"uagb-heading-text\">&#8220;We had the man from the ICAEW here yesterday to carry out a QAD practice review. We got a clean bill of health \u2013 not a single action point\u2026That is in no small measure due to AMLCC so I just wanted to say \u2018thank you\u2019&#8221;<\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-949a56df\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"812\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1.jpg\" alt=\"\" class=\"wp-image-495\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-1-203x300.jpg 203w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-cc23ebfe\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-af8628f6\">\n<div class=\"wp-block-uagb-container uagb-block-9e1b5830\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-bdd14157\"><h3 class=\"uagb-heading-text\">&#8220;Thank you for such a perfect and informative [solution]. You have given me a clear direction for my AML training and CPD.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-ef336e36\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"786\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2.jpg\" alt=\"\" class=\"wp-image-496\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-2-210x300.jpg 210w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-040a7367\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-3b2e0080\">\n<div class=\"wp-block-uagb-container uagb-block-64ce7dad\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-3d47ccc6\"><h3 class=\"uagb-heading-text\">&#8220;I just wanted to say \u2018thank you\u2019 to you, Richard, and all the team at AMLCC for providing a service that really does minimise the burden of AML compliance.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-e1d755c8\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"732\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3.jpg\" alt=\"\" class=\"wp-image-494\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-3-225x300.jpg 225w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-403770d4\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-a0d5a66b\">\n<div class=\"wp-block-uagb-container uagb-block-a9b0dbd5\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-302585b3\"><h3 class=\"uagb-heading-text\">&#8220;What a refreshing pleasure working with a company who actually listens to the feedback from their customers and communicates with them!&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-64782dba\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"732\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4.jpg\" alt=\"\" class=\"wp-image-497\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-4-225x300.jpg 225w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n\n<div class=\"wp-block-uagb-slider-child uagb-slider-child-wrap swiper-slide uagb-block-9b9b7e36\"><div class=\"swiper-content\">\n<div class=\"wp-block-uagb-container uagb-block-3a9f75d3\">\n<div class=\"wp-block-uagb-container uagb-block-aa8435c0\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-afe45a8b\"><h3 class=\"uagb-heading-text\">&#8220;Your team they have been excellent from the moment Fiona did a demo for me with only 15 minutes notice, and thoroughly going through the AMLCC product, answering the many questions I had! It was at this point at which I made up my mind this is the sort of business I want to work with for my AML.&#8221;<br><\/h3><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-8f4648c6\">\n<figure class=\"wp-block-image aligncenter size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"550\" height=\"798\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5.jpg\" alt=\"\" class=\"wp-image-498\" style=\"aspect-ratio:3\/4;object-fit:contain;width:auto;height:382px\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5.jpg 550w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/testimonial-5-207x300.jpg 207w\" sizes=\"auto, (max-width: 550px) 100vw, 550px\" \/><\/figure>\n<\/div>\n<\/div>\n<\/div><\/div>\n<\/div><\/div><div class=\"swiper-pagination\"><\/div><\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-uagb-container uagb-block-bd594624\">\n<div class=\"wp-block-uagb-advanced-heading uagb-block-deefd48d\"><h3 class=\"uagb-heading-text\">Making compliance easier<\/h3><\/div>\n\n\n\n<div class=\"wp-block-uagb-image aligncenter uagb-block-94cd8a56 wp-block-uagb-image--layout-default wp-block-uagb-image--effect-static wp-block-uagb-image--align-center\"><figure class=\"wp-block-uagb-image__figure\"><img decoding=\"async\" srcset=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png ,https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png 780w, https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png 360w\" sizes=\"auto, (max-width: 480px) 150px\" src=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/image-22-1.png\" alt=\"AMLCC newsroom\" class=\"uag-image-1454\" width=\"700\" height=\"450\" title=\"image-22-1\" loading=\"lazy\" role=\"img\"\/><\/figure><\/div>\n\n\n\n<div class=\"wp-block-uagb-buttons uagb-buttons__outer-wrap uagb-btn__default-btn uagb-btn-tablet__default-btn uagb-btn-mobile__default-btn uagb-block-d88e5ed5\"><div class=\"uagb-buttons__wrap uagb-buttons-layout-wrap \">\n<div class=\"wp-block-uagb-buttons-child uagb-buttons__outer-wrap uagb-block-762fbc5a wp-block-button\"><div class=\"uagb-button__wrapper\"><a class=\"uagb-buttons-repeater wp-block-button__link\" aria-label=\"\" href=\"\/press\/\" rel=\"follow noopener\" target=\"_self\" role=\"button\"><div class=\"uagb-button__link\">View more articles<\/div><\/a><\/div><\/div>\n<\/div><\/div>\n<\/div>\n<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Property professionals have long been regulated for AML. Yet HMRC still reports significant gaps in customer due diligence (CDD). Both estate agents and letting agents must complete CDD, but the triggers and depth of checks can differ depending on the service offered. We\u2019ve looked at HMRC\u2019s Anti-Money Laundering Supervision: Estate Agency and Letting Agency Businesses&nbsp;(HMRC [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":10738,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"unboxed","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-10737","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.7 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>What CDD Must Property Businesses Complete? | AML Guide<\/title>\n<meta name=\"description\" content=\"Estate and letting agents must complete CDD when a business relationship begins - and carry out more check when risk indicators appear.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What CDD Must Property Businesses Complete? | AML Guide\" \/>\n<meta property=\"og:description\" content=\"Estate and letting agents must complete CDD when a business relationship begins - and carry out more check when risk indicators appear.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/\" \/>\n<meta property=\"og:site_name\" content=\"AMLCC\" \/>\n<meta property=\"article:published_time\" content=\"2025-12-12T09:42:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-12-12T09:42:25+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-scaled.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2560\" \/>\n\t<meta property=\"og:image:height\" content=\"1707\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Becs Preddle\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@amlcc_global\" \/>\n<meta name=\"twitter:site\" content=\"@amlcc_global\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Becs Preddle\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/\"},\"author\":{\"name\":\"Becs Preddle\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#\\\/schema\\\/person\\\/3b4671ec016b5042bd0f298536dd7e79\"},\"headline\":\"What CDD must a property business complete?\",\"datePublished\":\"2025-12-12T09:42:24+00:00\",\"dateModified\":\"2025-12-12T09:42:25+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/\"},\"wordCount\":1481,\"publisher\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/pexels-karola-g2-5930-scaled.jpg\",\"inLanguage\":\"en-GD\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/\",\"name\":\"What CDD Must Property Businesses Complete? | AML Guide\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/pexels-karola-g2-5930-scaled.jpg\",\"datePublished\":\"2025-12-12T09:42:24+00:00\",\"dateModified\":\"2025-12-12T09:42:25+00:00\",\"description\":\"Estate and letting agents must complete CDD when a business relationship begins - and carry out more check when risk indicators appear.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/#breadcrumb\"},\"inLanguage\":\"en-GD\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GD\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/pexels-karola-g2-5930-scaled.jpg\",\"contentUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2025\\\/12\\\/pexels-karola-g2-5930-scaled.jpg\",\"width\":2560,\"height\":1707,\"caption\":\"What CDD must a property business complete?\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/what-cdd-must-a-property-business-complete\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"What CDD must a property business complete?\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#website\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/\",\"name\":\"AMLCC\",\"description\":\"The single-platform solution for all your AML\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GD\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#organization\",\"name\":\"AMLCC\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GD\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/AMLCClogo-500.png\",\"contentUrl\":\"https:\\\/\\\/www.amlcc.com\\\/wp-content\\\/uploads\\\/2023\\\/11\\\/AMLCClogo-500.png\",\"width\":500,\"height\":146,\"caption\":\"AMLCC\"},\"image\":{\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/x.com\\\/amlcc_global\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/amlcc\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.amlcc.com\\\/gd\\\/#\\\/schema\\\/person\\\/3b4671ec016b5042bd0f298536dd7e79\",\"name\":\"Becs Preddle\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"What CDD Must Property Businesses Complete? | AML Guide","description":"Estate and letting agents must complete CDD when a business relationship begins - and carry out more check when risk indicators appear.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"What CDD Must Property Businesses Complete? | AML Guide","og_description":"Estate and letting agents must complete CDD when a business relationship begins - and carry out more check when risk indicators appear.","og_url":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/","og_site_name":"AMLCC","article_published_time":"2025-12-12T09:42:24+00:00","article_modified_time":"2025-12-12T09:42:25+00:00","og_image":[{"width":2560,"height":1707,"url":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-scaled.jpg","type":"image\/jpeg"}],"author":"Becs Preddle","twitter_card":"summary_large_image","twitter_creator":"@amlcc_global","twitter_site":"@amlcc_global","twitter_misc":{"Written by":"Becs Preddle","Est. reading time":"8 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/#article","isPartOf":{"@id":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/"},"author":{"name":"Becs Preddle","@id":"https:\/\/www.amlcc.com\/gd\/#\/schema\/person\/3b4671ec016b5042bd0f298536dd7e79"},"headline":"What CDD must a property business complete?","datePublished":"2025-12-12T09:42:24+00:00","dateModified":"2025-12-12T09:42:25+00:00","mainEntityOfPage":{"@id":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/"},"wordCount":1481,"publisher":{"@id":"https:\/\/www.amlcc.com\/gd\/#organization"},"image":{"@id":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/#primaryimage"},"thumbnailUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-scaled.jpg","inLanguage":"en-GD"},{"@type":"WebPage","@id":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/","url":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/","name":"What CDD Must Property Businesses Complete? | AML Guide","isPartOf":{"@id":"https:\/\/www.amlcc.com\/gd\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/#primaryimage"},"image":{"@id":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/#primaryimage"},"thumbnailUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-scaled.jpg","datePublished":"2025-12-12T09:42:24+00:00","dateModified":"2025-12-12T09:42:25+00:00","description":"Estate and letting agents must complete CDD when a business relationship begins - and carry out more check when risk indicators appear.","breadcrumb":{"@id":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/#breadcrumb"},"inLanguage":"en-GD","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/"]}]},{"@type":"ImageObject","inLanguage":"en-GD","@id":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/#primaryimage","url":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-scaled.jpg","contentUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-scaled.jpg","width":2560,"height":1707,"caption":"What CDD must a property business complete?"},{"@type":"BreadcrumbList","@id":"https:\/\/www.amlcc.com\/gd\/what-cdd-must-a-property-business-complete\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.amlcc.com\/gd\/"},{"@type":"ListItem","position":2,"name":"What CDD must a property business complete?"}]},{"@type":"WebSite","@id":"https:\/\/www.amlcc.com\/gd\/#website","url":"https:\/\/www.amlcc.com\/gd\/","name":"AMLCC","description":"The single-platform solution for all your AML","publisher":{"@id":"https:\/\/www.amlcc.com\/gd\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.amlcc.com\/gd\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GD"},{"@type":"Organization","@id":"https:\/\/www.amlcc.com\/gd\/#organization","name":"AMLCC","url":"https:\/\/www.amlcc.com\/gd\/","logo":{"@type":"ImageObject","inLanguage":"en-GD","@id":"https:\/\/www.amlcc.com\/gd\/#\/schema\/logo\/image\/","url":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/AMLCClogo-500.png","contentUrl":"https:\/\/www.amlcc.com\/wp-content\/uploads\/2023\/11\/AMLCClogo-500.png","width":500,"height":146,"caption":"AMLCC"},"image":{"@id":"https:\/\/www.amlcc.com\/gd\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/x.com\/amlcc_global","https:\/\/www.linkedin.com\/company\/amlcc"]},{"@type":"Person","@id":"https:\/\/www.amlcc.com\/gd\/#\/schema\/person\/3b4671ec016b5042bd0f298536dd7e79","name":"Becs Preddle"}]}},"uagb_featured_image_src":{"full":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-scaled.jpg",2560,1707,false],"thumbnail":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-150x150.jpg",150,150,true],"medium":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-300x200.jpg",300,200,true],"medium_large":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-768x512.jpg",768,512,true],"large":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-1024x683.jpg",1024,683,true],"1536x1536":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-1536x1024.jpg",1536,1024,true],"2048x2048":["https:\/\/www.amlcc.com\/wp-content\/uploads\/2025\/12\/pexels-karola-g2-5930-2048x1365.jpg",2048,1365,true]},"uagb_author_info":{"display_name":"Becs Preddle","author_link":"https:\/\/www.amlcc.com\/gd\/author\/becskokopelli-london\/"},"uagb_comment_info":0,"uagb_excerpt":"Property professionals have long been regulated for AML. Yet HMRC still reports significant gaps in customer due diligence (CDD). Both estate agents and letting agents must complete CDD, but the triggers and depth of checks can differ depending on the service offered. We\u2019ve looked at HMRC\u2019s Anti-Money Laundering Supervision: Estate Agency and Letting Agency Businesses&nbsp;(HMRC&hellip;","_links":{"self":[{"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/posts\/10737","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/comments?post=10737"}],"version-history":[{"count":0,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/posts\/10737\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/media\/10738"}],"wp:attachment":[{"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/media?parent=10737"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/categories?post=10737"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amlcc.com\/gd\/wp-json\/wp\/v2\/tags?post=10737"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}