Designation of reporting agencies: notification adds National Intelligence Grid and Central Vigilance Commission as PMLA disclosure recipients.
Amendment expands the class of entities authorised to receive disclosures under the Prevention of Money laundering Act, 2002 by inserting the National Intelligence Grid and the Central Vigilance Commission into the list of designated recipients in an existing Ministry of Finance notification made under clause (ii) of section 66.

Central KYC Records Registry authorisation: CERSAI authorised to receive, store and retrieve client KYC records under PMLA rules.
Authorization designates a registry as the Central KYC Records Registry under the Prevention of Money Laundering rules, empowering it to receive, store, safeguard and retrieve digital KYC records of clients as defined in the Act; the authorization takes effect upon publication in the Official Gazette and is limited to records management functions under the maintenance-of-records rules.

Record-retention period extended by amendment, increasing the statutory preservation timeframe for specified records under PMLA rules.
The Fourth Amendment Rules, 2015 substitute the retention period in rule 9A(1) of the Prevention of Money laundering (Maintenance of Records) Rules, 2005, replacing the prior ninety day requirement with a longer statutory preservation period; the amendment is effected by Central Government notification and comes into force on publication in the Official Gazette.

Officially valid document recognition expanded to accept name changes with marriage certificate or Gazette notification; consultative issuance required.
A document shall be deemed an officially valid document even if its name has changed after issuance, provided the change is supported by a State-issued marriage certificate or Gazette notification; and Rule 7 is amended to require that certain instruments, directions or specifications be issued or specified by "the Director in consultation with" the relevant authority, establishing an explicit consultative step in those procedural provisions.

Record retention period extended under PMLA maintenance rules, changing the prescribed time for compliance upon Gazette notification.
Amendment revises the Prevention of Money-laundering (Maintenance of Records) Rules, 2005 by substituting the shorter prescribed time period in the specified rule with a longer period, thereby altering the temporal compliance requirement for entities subject to the Rules; the Third Amendment Rules, 2015 take effect on publication in the Official Gazette and were issued by the Ministry of Finance (Department of Revenue).

Central KYC Records Registry centralises KYC filing and retrieval, enabling unique identifiers and controlled reuse of client records.
The amendment establishes a Central KYC Records Registry to receive, de-duplicate, store and retrieve electronic KYC records and to issue a unique KYC Identifier to each client. Reporting entities must file KYC records with the Registry shortly after commencing account relationships; when presented with a KYC Identifier they shall retrieve records online and not demand duplicate documents except where client information has changed, address verification is required, or enhanced due diligence is necessary. The entity performing the last verification must verify identity/address and update the Registry, which will notify other reporting entities.

Designation of Registrar as a person carrying on designated business or profession under PMLA creates reporting and compliance obligations.
Notification declares a Registrar or Sub Registrar appointed under the Registration Act as a person carrying on designated business or profession under the Prevention of Money laundering Act, invoking the central government's power under sub clause (ii) of clause (sa) of section 2(1) to bring such officers within the Act's compliance and reporting framework.

Person carrying on designated business or profession: insurance brokers licensed under IRDA regulations are deemed included under PMLA.
Entities licensed to perform the functions specified in regulation 3, regulation 4 or regulation 5 of the Insurance Broker Regulations are deemed to be a person carrying on designated business or profession for the purposes of the Prevention of Money-Laundering Act, bringing them within the Act's regulatory and compliance ambit.

Proof of address verification expanded to include specified utility bills and government-issued documents for simplified customer due diligence.
Amendment deems certain documents to be officially valid document for the limited purpose of proof of address where simplified verification measures are applied and a prospective customer cannot produce conventional proof of address; acceptable documents listed include utility bills, property or municipal tax receipts, bank or post office account statements, pension payment orders with address, employer allotment letters or leave and licence agreements for official accommodation, and documents issued by foreign government departments or foreign embassies or missions in India.