> ## Knowledge Base Index
> Fetch the complete knowledge base index at: https://help.sound.money/sitemap.xml
> Use this file to discover available pages before exploring further.
> Pure-Markdown content can be obtained by appending a '.md' suffix to the content URLs listed in the sitemap (without the trailing slash).

# Is SoundMoney regulated by a government agency?

While SoundMoney is not a bank or a brokerage for paper securities (and therefore not regulated by the SEC), we operate in strict compliance with all **U.S. federal and state regulatory requirements** for precious metals dealers.

Our compliance framework includes:
* **FinCEN (U.S. Treasury):** We are governed by the **Bank Secrecy Act (BSA)** and the **USA PATRIOT Act**. We maintain a formal Anti-Money Laundering (AML) program and "Know Your Customer" (KYC) protocols to prevent financial crime.
* **IRS Reporting:** We adhere to all Internal Revenue Code requirements regarding the reporting of cash transactions (Form 8300) and specific bullion sale thresholds (Form 1099-B).
* **State-Level Compliance:** We comply with individual state regulations regarding the sale and storage of precious metals, as well as general consumer protection laws.
* **Independent Oversight:** To ensure your assets are protected, our partner vaults undergo regular independent audits and are fully insured.