As a criminal liability, money laundering is a kind of crime that can be used to prevent the criminal behaviour and deprive the dirty money. Due to its transnational element, the anti-money laundering regulation spread to globe quickly. Nevertheless, the anti-money mechanism is nothing but a kind of tax and unfairly suppressed the financial institutions which forced to move the burden to ordinary citizens. It also allows the government to monitor people legally which may be unconstitutional. By analysing articles from countries the conclusion that there are two kinds of models of anti-money laundering system in the world though conflict with modern business activities.