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No brilliance is needed in the law. Nothing but common
sense, and reasonably clean nger nails.
John Mortimer, British author (and lawyer)
The American anti-money-laundering effort rests on the
three pillars of regulation, compliance, and enforcement. The
foundation for these pillars is not just the civil and criminal
provisions of the money laundering laws we have already
examined. A number of other laws and regulations create the
basis for a comprehensive attack on money laundering that
aims not only to capture and punish those who violate the law
but also to prevent lawbreaking in the rst place.
When this chapter