CAMS isn't for life: you keep it by recertifying every three years. Here's how it works, based on the ACAMS candidate handbook. Check acams.org for the current fees before you apply.
The rules in short
| Cycle | Every 3 years |
| Credits | 60 recertification credits per cycle |
| From ACAMS | At least 12 of the 60 from ACAMS-provided training |
| Ethics | Up to 2 credits may come from ethics topics |
| Membership | Must stay active for the whole cycle |
| Carry-over | Credits above 60 don't roll over |
Fees and deadlines
- Early (by 1 October of the deadline year): about US$200
- Regular (by 15 December): about US$250
- Late (by 31 March of the following year): about US$300
- Applications after 31 March aren't accepted.
Where credits come from
ACAMS webinars, conferences and courses, other relevant financial crime training, and further ACAMS certifications (e.g. CGSS or CCAS). Keep certificates of attendance; ACAMS can audit your record.
Extensions and alternatives
- A one-time one-year extension (about US$100) if requested at least three months before the deadline.
- Recertification by exam instead of credits (about US$299).
If your CAMS lapses
You'd have to buy the certification package again and pass the exam. Set a reminder a year before your deadline, and spread your credits across the three years.
Keeping your knowledge current
Rules change between cycles: new FATF guidance, the EU AML package, FinCEN reforms. Our news page and updates summarise what changed.
Find out where you stand
Free 10-question CAMS test, scored by exam domain. No account needed.
Independent guide, not affiliated with ACAMS. Facts checked November 2026; always confirm on the official website.