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US 20070232261A1 (19) United States (12) Patent Application Publication (10) Pub. No.: US 2007/0232261 A1 Spector (43) Pub. Date: Oct. 4, 2007 (54) APPARATUS AND METHOD FOR (60) BROADCASTING MESSAGES
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Spector UM stands for Unusual Movement Report, a form utilized to report unusual transactions or movements of funds.
Financial institutions and individuals engaged in financial activities are required to file Spector UM.
Spector UM can be filled out electronically through the designated platform provided by the relevant regulatory authority.
The purpose of Spector UM is to detect and prevent money laundering, fraud, and other financial crimes by monitoring unusual financial activities.
Information such as the nature of the transaction, parties involved, amount, and reasons for the transaction must be reported on Spector UM.
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