The burden shifts when you’re engaging in financial services. So for example you don’t have any real obligation to inquire about source of funds when someone c

The burden shifts when you’re engaging in financial services. So for example you don’t have any real obligation to inquire about source of funds when someone comes into your shack to buy a burger and a shake. If they come into your shack to open a financial account or do any kind of exchanging of financial instruments then you do.