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Abstract
The comprehensive research article thoroughly examines the legal regime of financial intelligence information within the system for anti-money laundering and the financing of terrorism (AML/CFT). It convincingly argues that this legal regime is complex because it directly intersects with banking and tax secrecy, personal data protection, information security, operational-search activity and criminal-procedural evidentiary rules. At the same time, its main organizational and preventive core remains administrative-legal. The article clearly distinguishes between an initial suspicious transaction report, enriched financial intelligence information and a financial intelligence analytical product. The author logically concludes that an analytical product is not evidence in itself and may acquire evidentiary value only after independent verification by a competent authority through procedural forms prescribed by national law. The article proposes key legislative improvements: defining the three-level terminology model, regulating the entire information lifecycle, clarifying the legal status of analytical products and strengthening institutional oversight without disclosing protected information.
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