> Do you actually have those rights if they aren't enforced? Not functionally, no. It's worth noting that one reason that banks take AML regs so seriously is

> Do you actually have those rights if they aren't enforced? Not functionally, no. It's worth noting that one reason that banks take AML regs so seriously is that the fines are so large, and regulators check compliance, that you don't want to get caught not delivering.