Lei nº 14.478/2022 e seus impactos na prevenção à lavagem de capitais no brasil: compliance, desafios e perspectivas.

Abstract

This monograph analyzes Law No. 14,478/2022 and its impacts on anti-money laundering (AML) efforts in Brazil, focusing on compliance challenges and future perspectives. With technological advancements and the increasing popularity of cryptoassets, it became imperative for the Brazilian legal system to adapt in order to mitigate the risks of using these assets in illicit activities. In this context, the aforementioned law represents a fundamental regulatory milestone, establishing clear guidelines for the virtual asset market and imposing obligations on Virtual Asset Service Providers (VASPs) regarding the fight against money laundering and terrorist financing. The objective of this research was to analyze the principles and impacts of cryptocurrency regulation on the challenges of preventing and combating money laundering, assessing the adequacy of current regulations and the role of regulatory authorities in balancing innovation and security. Regulatory and operational perspectives will be analyzed, considering the need for international cooperation, the development of advanced analytical tools, and constant regulatory adaptation in response to the technological evolution of crypto-assets.Regarding methodology, a qualitative approach was adopted, based on bibliographic and documentary analysis, through a legal and economic examination of national and international regulatory frameworks.It is concluded that, although Law No. 14,478/2022 represents a significant advance, the effective combat of money laundering in the virtual asset environment will demand continuous efforts in oversight, legislative updates, and the improvement of compliance practices by all involved actors, aiming at building a safer and more transparent digital financial environment.