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Banks were already collecting beneficial ownership information due to the CDD rule from FINCEN in 2018. Many banks especially those that had past problems with FINCEN/FDIC AML inspectors were doing it long before that. America is hardly a lax jurisdiction, people conflate registering a company with actually being able to do anything with it. Not to mention if the company is paying someone the IRS will know about that, they'll also have the EIN application, etc. Europe has all the supposedly state of the art AML rules but at the end of the day stuff like sanctions violations, money laundering, etc that gets you 7 years in prison in America gets you a suspended sentence and a €100,000 fine in the Netherlands.