Which acts and regulators form the core AML framework for insurers in the United States?

• A. Bank Secrecy Act and USA PATRIOT Act under FinCEN, with state insurance regulators overseeing insurers; coordination among regulators is essential.
• B. Dodd-Frank Act and SEC oversight; no state coordination.
• C. GLBA and CFPB with joint federal-state insurance authority.
• D. Sarbanes-Oxley and IRS tax code; internal corporate oversight.

Answer: (A)