Those companies and professionals that, depending on the nature of their operations, may be used for the commission of the crime of money laundering, financing of terrorism or financing of the proliferation of weapons of mass destruction or those that arise from the national risk assessment plan for the prevention of PBC / FT / FPADM crimes.

These companies and professionals are the following:

• Companies of the Colon Free Zone, those established in the Panama Pacifico Agency, Barú Free Zone, Panama Diamond Exchange and Free Zones.
• Casinos, games of luck and chance and organization of betting systems and other establishments that carry out these businesses through the internet
• Promoting companies, real estate agent and real estate brokers, when they are involved in transactions for their clients concerning the purchase and sale of real estate
• Companies dedicated to the construction industry: general contractors and specialized contractors
• Securities transport companies
• Pawnshops
• Companies dedicated to the commercialization of precious metals and companies dedicated to the commercialization of precious stones, in any of their forms
• National Charity Lottery
• National Post and Telegraph of Panama
• Companies dedicated to the purchase and sale of new and used cars
• Those activities carried out by professionals, as provided in article 24 of Law 23 of April 27, 2015: lawyers, authorized public accountants and notaries.

Law 23 of April 27, 2015 on the Prevention of Money Laundering, Terrorism Financing and Financing of Proliferation of Weapons of Mass Destruction, modified by Law No. 21 of May 10, 2017, Executive Decree No. 361 of August 12, 2015 and Executive Decree No. 363 of August 13, 2015, establish the current regulation for non-financial obligated subjects and activities subject to supervision, by the Supervisory Body, which for these purposes is the Supervision and Regulation of Non-Financial Subjects of Panama.

Natural person or persons that owns, controls or exercises significant influence over the account relationship, contractual or business relationship or the natural person in whose name or benefit a transaction is carried out, which also includes the natural persons who exercise final control over a legal person, trusts and other legal structures

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• Administrative: (depending on the severity of the fault, the Supervisory Body may cancel, withdraw, restrict, remove or suspend the license, certificate of suitability and other authorizations for the exercise of activities or operations carried out)
• Generic: non-compliance with the provisions of the anti-money laundering regulations, for which a specific sanction is not established, will be sanctioned with fines of five thousand balboas to one million balboas, depending on the severity of the offense and the degree of recidivism.
• Specific: they will be regulated by the Supervisory Body.
• Corporate: civil and criminal responsibilities of directive, dignitary, executive, administrative or operations personnel that fail to comply with the provisions of the PBC regulations.