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The Cuban regime has already begun to roll out nationwide the implementation of the Resolution 86/2026 from the Ministry of Finance and Prices, a regulation that requires self-employed individuals, MIPYMES, and other non-state actors to report suspicious transactions related to financial crimes and terrorism.
According to information provided by the Ministry itself on its social media, a nationwide training program is being implemented for officials, aimed at ensuring the effective application of the measure. These actions are coordinated with local governments and are part of the enforcement of the regulation signed on April 8.
During Saturday's session, Deputy Minister Yenisley Ortiz Mantecón, accompanied by the Vice Governor of Havana, conducted training sessions for mayors and officials of the administration councils in the capital as part of this process.
The Resolution 86 establishes that non-state economic actors who keep accounting records become "obligated subjects" in the prevention of money laundering, financing of terrorism, and other illegal activities. In practice, this means that they must monitor their clients' operations, report any suspicions to the authorities without informing the clients, and comply with strict confidentiality obligations.
The rollout of training programs demonstrates that the measure has entered an operational phase and that its implementation will be directly supervised by the state's territorial structures. The involvement of local authorities in the process also suggests closer oversight of the private sector, in a context of increasing regulatory pressure.
Article four of the resolution states that these subjects "are responsible for not providing services to clients who are on international lists or on the National List of individuals and entities linked to terrorist activities."
When a match is detected, they must issue a Suspicious Activity Report (SAR) to the General Directorate of Financial Operations Investigation (DGIOF) of the Central Bank of Cuba "without delay," without informing the investigated client under any circumstances.
The obligation of confidentiality is absolute: private parties "may not disclose the information contained in the ROS, unless requested by a competent authority," according to Article 14.
In addition, they must retain all relevant customer data for five years after the contractual relationship ends and must cooperate with the authorities when requested.
The failure to comply with these obligations may escalate to the Attorney General's Office of the Republic, the Ministry of the Interior, and the General Comptroller's Office of the Republic, according to Article 16 of the resolution.
The measure significantly expands state control over the Cuban private sector amid the crisis, which has more than 11,000 registered MIPYMES, generates 31.2% of employment, and contributes 23% of tax revenues.
This regulation adds to other recent provisions that have tightened the conditions for the exercise of non-state economic activities in Cuba, amidst a crisis that has forced thousands of entrepreneurs to operate under stricter legal and administrative restrictions.
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