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This Guidance was initially published in 2011 and was revised following the adoption of the new set of FATF Recommendations in 2012. This Guidance focuses on facilitating access to formal services for financially excluded and underserved groups, including low income, rural sectors and undocumented groups and gives an overview of the risk-based approach to implementing AML/CFT measures. The Guidance reviews the different steps of the AML/CFT process (Customer Due Diligence (CDD), record-keeping requirements, report of suspicious transactions, use of agents, internal controls), and for each of them presents how the Standards can be read and interpreted to support financial inclusion.