Directive (EU) 2024/1640 (AMLD6) — mechanisms to be put in place by Member States for the prevention of money laundering and terrorist financing

Current as of 19 June 202480 provisions

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["SECTION 2", "Bank account information", "Article 16"]
Bank account registers and electronic data retrieval systems
Bank account registers and electronic data retrieval systems 1. Member States shall put in place centralised automated mechanisms, such as central registers or…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 55"]
Pecuniary sanctions
and administrative measures — Article 55 — Pecuniary sanctions 1. Member States shall ensure that pecuniary sanctions are imposed on obliged entities for…
["CHAPTER III", "FIUS", "Article 26"]
Alerts to obliged entities
Alerts to obliged entities 1. Member States shall ensure that FIUs are able to alert obliged entities of information relevant for the performance of customer…
["SECTION 1", "General provisions", "Article 42"]
Disclosure to FIUs
Disclosure to FIUs 1. Member States shall ensure that if, in the course of the checks carried out on the obliged entities, or in any other way, supervisors…
["CHAPTER III", "FIUS", "Article 36"]
Confidentiality of reporting
Confidentiality of reporting 1. Member States shall ensure that FIUs have in place mechanisms to protect the identity of the obliged entities and their…
["SECTION 2", "National measures in sectors exposed to money laundering and terrorist financing", "Article 4"]
Requirements relating to certain service providers
Requirements relating to certain service providers 1. Member States shall ensure that currency exchange and cheque cashing offices, and trust or company…
["CHAPTER VII", "FINAL PROVISIONS", "Article 76"]
Review
Review By 10 July 2032, and every 3 years thereafter, the Commission shall submit a report to the European Parliament and to the Council on the implementation…
["CHAPTER III", "FIUS", "Article 22"]
Responses to requests for information
Responses to requests for information 1. Member States shall ensure that FIUs are able to respond in a timely manner to reasoned requests for information…
["CHAPTER III", "FIUS", "Article 28"]
Feedback by FIU
Feedback by FIU 1. Member States shall ensure that FIUs provide obliged entities with feedback on the reporting of suspicions pursuant to Article 69 of…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 56"]
Administrative measures
Administrative measures 1. Member States shall ensure that supervisors are able to apply administrative measures to an obliged entity where they identify: (a)…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 58"]
Publication of pecuniary sanctions, administrative measures and periodic penalty payments
Publication of pecuniary sanctions, administrative measures and periodic penalty payments 1. Member States shall ensure that supervisors publish on their…
["SECTION 2", "Cooperation with other authorities and exchange of confidential information", "Article 66"]
Cooperation with authorities in charge of implementing targeted financial sanctions
Cooperation with authorities in charge of implementing targeted financial sanctions 1. Member States shall ensure that supervisors, their FIU and the…
["CHAPTER III", "FIUS", "Article 33"]
Use by FIUs of information exchanged between them
Use by FIUs of information exchanged between them Information and documents received pursuant to Articles 29, 31 and 32 shall be used for the accomplishment of…
["CHAPTER VII", "FINAL PROVISIONS", "Article 74"]
Amendments to Directive (EU) 2015/849
Amendments to Directive (EU) 2015/849 Directive (EU) 2015/849 is amended as follows: (1) in Article 30(5), the first and second subparagraphs are replaced by…
["SECTION 1", "General provisions", "Article 43"]
Provision of information to FIUs
Provision of information to FIUs Member States shall ensure that supervisors communicate to the FIU at least the following information: (a) the list of…
["CHAPTER III", "FIUS", "Article 29"]
Cooperation between FIUs
Cooperation between FIUs Member States shall ensure that FIUs cooperate with each other to the greatest extent possible, regardless of their organisational…
["CHAPTER VII", "FINAL PROVISIONS", "Article 73"]
Transitional management of FIU.net
Transitional management of FIU.net By 10 July 2027, the Commission shall transfer to AMLA the management of FIU.net. Until such transfer is completed, the…
["CHAPTER VII", "FINAL PROVISIONS", "Article 72"]
Committee procedure
Committee procedure 1. The Commission shall be assisted by the Committee on the Prevention of Money Laundering and Terrorist Financing established by Article…
["SECTION 1", "General provisions", "Article 47"]
Supervisory cooperation regarding obliged entities carrying out cross-border activities
Supervisory cooperation regarding obliged entities carrying out cross-border activities 1. Where obliged entities that are not part of a group carry out…
["SECTION 1", "Subject matter, scope and definitions", "Article 2"]
Definitions
Definitions For the purposes of this Directive, the definitions set out in Article 2 (1) of Regulation (EU) 2024/1624 apply. The following definitions also…
["SECTION 2", "Cooperation with other authorities and exchange of confidential information", "Article 68"]
Exchange of information among supervisors and with other authorities
Exchange of information among supervisors and with other authorities 1. With the exception of cases covered by Article 70 (2) of Regulation (EU) 2024/1624…
["SECTION 1", "AML/CFT cooperation", "Article 62"]
Communication of the list of the competent authorities
Communication of the list of the competent authorities 1. In order to facilitate and promote effective cooperation, and in particular the exchange of…
["CHAPTER III", "FIUS", "Article 21"]
Access to information
Access to information 1. Member States shall ensure that FIUs, regardless of their organisational status, have access to the information that they require to…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 49"]
AML/CFT supervisory colleges in the financial sector
AML/CFT supervisory colleges in the financial sector 1. Member States shall ensure that dedicated AML/CFT supervisory colleges are set up by the financial…
["SECTION 2", "Cooperation with other authorities and exchange of confidential information", "Article 65"]
Cooperation in relation to auditors
Cooperation in relation to auditors 1. Member States shall ensure that supervisors in charge of auditors and, where relevant, public authorities overseeing…
["SECTION 1", "General provisions", "Article 37"]
Powers and resources of national supervisors
Powers and resources of national supervisors 1. Each Member State shall ensure that all obliged entities established in its territory, except for the…
["CHAPTER III", "FIUS", "Article 23"]
Provision of information to supervisors
Provision of information to supervisors 1. Member States shall ensure that FIUs provide supervisors, spontaneously or upon request, information that may be…
["CHAPTER VI", "DATA PROTECTION", "Article 70"]
Processing of certain categories of personal data
Processing of certain categories of personal data 1. To the extent that it is necessary for the purposes of this Directive, competent authorities may process…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 50"]
AML/CFT supervisory colleges in the non-financial sector
AML/CFT supervisory colleges in the non-financial sector 1. Member States shall ensure that the non-financial supervisors in charge of the parent undertaking…
["CHAPTER III", "FIUS", "Article 27"]
FIU annual report
FIU annual report Each Member State shall ensure that its FIU publishes an annual report on its activities. The report shall contain statistics on: (a) the…
["SECTION 1", "General provisions", "Article 44"]
General principles regarding supervisory cooperation
General principles regarding supervisory cooperation Member States shall ensure that supervisors cooperate with each other to the greatest extent possible…
["SECTION 3", "Risk assessments", "Article 7"]
Risk assessment at Union level
Risk assessment at Union level 1. The Commission shall conduct an assessment of the risks of money laundering and terrorist financing and of non-implementation…
["SECTION 1", "General provisions", "Article 48"]
Exchange of information in relation to implementation of group-wide policies in third countries
Exchange of information in relation to implementation of group-wide policies in third countries Supervisors, including AMLA, shall inform each other of…
["SECTION 1", "General provisions", "Article 40"]
Risk-based supervision
Risk-based supervision 1. Member States shall ensure that supervisors apply a risk-based approach to supervision. To that end, Member States shall ensure that…
["SECTION 1", "Central beneficial ownership registers", "Article 13"]
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information 1. Member States shall ensure that…
["CHAPTER III", "FIUS", "Article 32"]
Joint analyses
Joint analyses 1. Member States shall ensure that their FIUs are able to carry out joint analyses of suspicious transactions and activities. 2. For the purpose…
["SECTION 3", "Specific provisions relating to self-regulatory bodies", "Article 52"]
Oversight of self-regulatory bodies
Oversight of self-regulatory bodies 1. Where Member States decide, pursuant to Article 37 (3) of this Directive, to allow self-regulatory bodies to perform…
["SECTION 2", "National measures in sectors exposed to money laundering and terrorist financing", "Article 3"]
Identification of exposed sectors at national level
Identification of exposed sectors at national level 1. Where a Member State identifies that, in addition to obliged entities, entities in other sectors are…
["SECTION 3", "Single access point to real estate information", "Article 18"]
Single access point to real estate information
— Article 18 — Single access point to real estate information 1. Member States shall ensure that competent authorities have immediate and direct access free of…
["CHAPTER III", "FIUS", "Article 24"]
Suspension or withholding of consent
Suspension or withholding of consent 1. Member States shall ensure that FIUs are empowered to take urgent action, directly or indirectly, where there is a…
["CHAPTER III", "FIUS", "Article 19"]
Establishment of the FIU
Establishment of the FIU 1. Each Member State shall establish an FIU in order to prevent, detect and effectively combat money laundering and terrorist…
["SECTION 1", "Central beneficial ownership registers", "Article 12"]
Specific access rules to beneficial ownership registers for persons with legitimate interest
Specific access rules to beneficial ownership registers for persons with legitimate interest 1. Member States shall ensure that any natural or legal person…
["SECTION 1", "Subject matter, scope and definitions", "Article 1"]
Subject matter
Subject matter This Directive lays down rules concerning: (a) the measures applicable to sectors exposed to money laundering and terrorist financing, at…
["CHAPTER VII", "FINAL PROVISIONS", "Article 80"]
Addressees
Addressees This Directive is addressed to the Member States.
["CHAPTER III", "FIUS", "Article 31"]
Exchange of information between FIUs
Exchange of information between FIUs 1. Member States shall ensure that FIUs exchange, spontaneously or upon request, any information that may be relevant for…
["SECTION 2", "Cooperation with other authorities and exchange of confidential information", "Article 64"]
Cooperation in relation to credit institutions or financial institutions
Cooperation in relation to credit institutions or financial institutions 1. Member States shall ensure that financial supervisors, FIUs, and authorities…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 59"]
Exchange of information on pecuniary sanctions and administrative measures
Exchange of information on pecuniary sanctions and administrative measures 1. Member States shall ensure that their supervisors and, where relevant, the public…
["CHAPTER III", "FIUS", "Article 20"]
Fundamental Rights Officer
may be a member of the existing staff of the FIU. 2. The Fundamental Rights Officer shall perform the following tasks: (a) advise the staff of the FIU on any…
["SECTION 1", "AML/CFT cooperation", "Article 61"]
General provisions
General provisions 1. Member States shall ensure that policy makers, the FIUs, supervisors, including AMLA, and other competent authorities, as well as tax…
["CHAPTER VII", "FINAL PROVISIONS", "Article 78"]
Transposition
Transposition 1. Member States shall bring into force the laws, regulations and administrative provisions necessary to comply with this Directive by 10 July…
["CHAPTER VII", "FINAL PROVISIONS", "Article 79"]
Entry into force
Entry into force This Directive shall enter into force on the twentieth day following that of its publication in the Official Journal of the European Union.
["CHAPTER III", "FIUS", "Article 25"]
Instructions to monitor transactions or activities
Instructions to monitor transactions or activities Member States shall ensure that FIUs are empowered to instruct obliged entities to monitor, for a period to…
["CHAPTER VII", "FINAL PROVISIONS", "Article 71"]
Exercise of the delegation
Exercise of the delegation 1. The power to adopt delegated acts is conferred on the Commission subject to the conditions laid down in this Article. 2. The…
["SECTION 1", "General provisions", "Article 46"]
Provisions related to cooperation in the context of group supervision
Provisions related to cooperation in the context of group supervision 1. In the case of credit institutions and financial institutions that are part of a…
["SECTION 1", "AML/CFT cooperation", "Article 63"]
Cooperation with AMLA
Cooperation with AMLA FIU and supervisory authorities shall cooperate with AMLA and shall provide it with all the information necessary to allow it to carry…
["SECTION 1", "General provisions", "Article 38"]
Supervision of forms of infrastructure of certain intermediaries operating under the freedom to provide services
Supervision of forms of infrastructure of certain intermediaries operating under the freedom to provide services 1. Where the activities of the following…
["CHAPTER III", "FIUS", "Article 35"]
Effect of criminal law provisions
Effect of criminal law provisions Differences between national law definitions of predicate offences shall not impede the ability of FIUs to provide assistance…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 51"]
Cooperation with supervisors in third countries
Cooperation with supervisors in third countries 1. Member States shall ensure that supervisors are able to conclude cooperation agreements providing for…
["SECTION 2", "National measures in sectors exposed to money laundering and terrorist financing", "Article 6"]
Checks on the senior management and beneficial owners of certain obliged entities
Checks on the senior management and beneficial owners of certain obliged entities 1. Member States shall require supervisors to verify that the members of the…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 53"]
General provisions
General provisions 1. Member States shall ensure that obliged entities can be held liable for breaches of Regulations (EU) 2024/1624 and (EU) 2023/1113 in…
["SECTION 2", "Bank account information", "Article 17"]
Implementing acts for the interconnection of registers
Implementing acts for the interconnection of registers 1. The Commission may set out, by means of implementing acts, technical specifications and procedures…
["CHAPTER III", "FIUS", "Article 34"]
Consent to further dissemination of information exchanged between FIUs
Consent to further dissemination of information exchanged between FIUs 1. Member States shall ensure that the information exchanged pursuant to Articles 29, 31…
["CHAPTER VII", "FINAL PROVISIONS", "Article 77"]
Repeal
Repeal Directive (EU) 2015/849 is repealed with effect from 10 July 2027. References to the repealed Directive shall be construed as references to this…
["SECTION 1", "Central beneficial ownership registers", "Article 10"]
Central beneficial ownership registers
— Article 10 — Central beneficial ownership registers 1. Member States shall ensure that beneficial ownership information as referred to in Article62 of…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 54"]
Supervisory measures towards establishments of obliged entities and certain activities carried out under the freedom to provide services
Supervisory measures towards establishments of obliged entities and certain activities carried out under the freedom to provide services 1. In the case of…
["SECTION 2", "National measures in sectors exposed to money laundering and terrorist financing", "Article 5"]
Requirements relating to the granting of residence rights in exchange for investment
Requirements relating to the granting of residence rights in exchange for investment 1. Member States whose national law enables the granting of residence…
["SECTION 1", "Central beneficial ownership registers", "Article 14"]
Templates and procedures
Templates and procedures 1. The Commission shall define, by means of implementing acts, technical specifications and procedures necessary for the…
["SECTION 5", "Reporting of breaches", "Article 60"]
Reporting of breaches and protection of reporting persons
Reporting of breaches and protection of reporting persons 1. Directive (EU) 2019/1937 shall apply to the reporting of breaches of Regulations (EU) 2024/1624…
["SECTION 3", "Risk assessments", "Article 9"]
Statistics
Statistics 1. Member States shall maintain comprehensive statistics on matters relevant to the effectiveness of their AML/CFT frameworks in order to review the…
["SECTION 2", "Cooperation with other authorities and exchange of confidential information", "Article 67"]
Professional secrecy requirements
Professional secrecy requirements 1. Member States shall require that all persons working for or who have worked for supervisors and the public authorities…
["SECTION 1", "Central beneficial ownership registers", "Article 11"]
General rules regarding access to beneficial ownership registers by competent authorities, self-regulatory bodies and obliged entities
General rules regarding access to beneficial ownership registers by competent authorities, self-regulatory bodies and obliged entities 1. Member States shall…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 57"]
Periodic penalty payments
Periodic penalty payments 1. Member States shall ensure that, where obliged entities fail to comply with administrative measures applied by the supervisor…
["CHAPTER VII", "FINAL PROVISIONS", "Article 75"]
Amendment to Directive (EU) 2019/1937
Amendment to Directive (EU) 2019/1937 In Directive (EU) 2019/1937, the Annex, Part II, Section A, point 2, the following point is added: ‘(iii) Regulation (EU)…
["SECTION 1", "General provisions", "Article 45"]
Provision of information on cross-border activities
Provision of information on cross-border activities 1. Member States shall ensure that the supervisors of the home Member State inform the supervisors of the…
["SECTION 3", "Guidelines on cooperation", "Article 69"]
AML/CFT cooperation guidelines
AML/CFT cooperation guidelines By 10 July 2029, AMLA shall, in cooperation with the ECB, the European Supervisory Authorities, Europol, Eurojust, and EPPO…
["SECTION 1", "General provisions", "Article 41"]
Central contact points
Central contact points 1. For the purposes of Article 37(1) and Article 38(1), Member States may require electronic money issuers, payment service providers…
["SECTION 3", "Risk assessments", "Article 8"]
National risk assessment
National risk assessment 1. Each Member State shall carry out a national risk assessment to identify, assess, understand and mitigate the risks of money…
["SECTION 1", "Central beneficial ownership registers", "Article 15"]
Exceptions to the access rules to beneficial ownership registers
Exceptions to the access rules to beneficial ownership registers In exceptional circumstances to be laid down in national law, where the access referred to in…
["SECTION 1", "General provisions", "Article 39"]
Provision of information to obliged entities
Provision of information to obliged entities 1. Member States shall ensure that supervisors make information on money laundering and terrorist financing…
["CHAPTER III", "FIUS", "Article 30"]
Protected channels of communication
Protected channels of communication 1. A system for the exchange of information between FIUs of Member States (FIU.net) shall be set up. FIU.net shall ensure…
["SECTION 3", "Single access point to real estate information", "Article 18"]
Single access point to real estate information
— Article 18 — Single access point to real estate information 2. Member States shall ensure that at least the following information is made available through…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 54"]
Supervisory measures towards establishments of obliged entities and certain activities carried out under the freedom to provide services
Supervisory measures towards establishments of obliged entities and certain activities carried out under the freedom to provide services 4. By way of…
["SECTION 3", "Risk assessments", "Article 9"]
Statistics
Statistics (38) where such information is available, and the value in euro of property that has been frozen, seized or confiscated; (c) the number and…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 53"]
General provisions
General provisions 4. In the event of a breach of Regulations (EU) 2024/1624 and (EU) 2023/1113, Member States shall ensure that where obligations apply to…
["CHAPTER III", "FIUS", "Article 30"]
Protected channels of communication
Protected channels of communication (1), point (d), and Article 47 of Regulation (EU) 2024/1620. 4. Member States shall ensure that FIUs are able to use the…
["SECTION 1", "Central beneficial ownership registers", "Article 10"]
Central beneficial ownership registers
— Article 10 — Central beneficial ownership registers (1) of Regulation (EU) 2024/1624 triggers the registration of the foreign legal entity or foreign legal…
["SECTION 2", "Cooperation with other authorities and exchange of confidential information", "Article 64"]
Cooperation in relation to credit institutions or financial institutions
Cooperation in relation to credit institutions or financial institutions (1). 2. Member States shall ensure that, where financial supervisors identify…
["SECTION 2", "Cooperation with other authorities and exchange of confidential information", "Article 67"]
Professional secrecy requirements
Professional secrecy requirements (44)(c) and (d) of Regulation (EU) 2024/1624; (d) financial supervisors and authorities in charge of supervising credit…
["SECTION 2", "Bank account information", "Article 16"]
Bank account registers and electronic data retrieval systems
Bank account registers and electronic data retrieval systems (1) of Regulation (EU) 2024/1624 or a unique identification number as well as the dates on which…
["SECTION 1", "Subject matter, scope and definitions", "Article 2"]
Definitions
Definitions (9) ‘draft national measure’ means the text of an act, whichever its form, which, once enacted, will have legal effect, the text being at a stage…
["SECTION 3", "Risk assessments", "Article 7"]
Risk assessment at Union level
Risk assessment at Union level 4. The Commission shall make recommendations to Member States on the measures suitable for addressing the identified risks. In…
["SECTION 1", "Central beneficial ownership registers", "Article 11"]
General rules regarding access to beneficial ownership registers by competent authorities, self-regulatory bodies and obliged entities
General rules regarding access to beneficial ownership registers by competent authorities, self-regulatory bodies and obliged entities 5. By 10 October 2026…
["SECTION 3", "Specific provisions relating to self-regulatory bodies", "Article 52"]
Oversight of self-regulatory bodies
Oversight of self-regulatory bodies (5), point (b); (e) regularly informing self-regulatory bodies of any activity planned or task carried out by AMLA that is…
["CHAPTER III", "FIUS", "Article 24"]
Suspension or withholding of consent
Suspension or withholding of consent suspended to challenge that suspension before a court. Member States shall ensure that FIUs are empowered to lift the…
["SECTION 2", "National measures in sectors exposed to money laundering and terrorist financing", "Article 3"]
Identification of exposed sectors at national level
Identification of exposed sectors at national level 4. Before the end of the period referred to in paragraph 3, the Commission, having consulted the Authority…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 55"]
Pecuniary sanctions
and administrative measures — Article 55 — Pecuniary sanctions 3. Member States shall ensure that, by way of derogation from paragraph 2, where the obliged…
["SECTION 1", "General provisions", "Article 45"]
Provision of information on cross-border activities
Provision of information on cross-border activities (1) of Regulation (EU) 2024/1624 that activities in the host Member State have commenced.
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 50"]
AML/CFT supervisory colleges in the non-financial sector
AML/CFT supervisory colleges in the non-financial sector 2. Member States shall ensure that where the non-financial supervisor in charge of the parent…
["CHAPTER III", "FIUS", "Article 31"]
Exchange of information between FIUs
Exchange of information between FIUs (1), first subparagraph, point (a), of Regulation (EU) 2024/1624 concerns another Member State as referred to in paragraph…
["SECTION 2", "National measures in sectors exposed to money laundering and terrorist financing", "Article 6"]
Checks on the senior management and beneficial owners of certain obliged entities
Checks on the senior management and beneficial owners of certain obliged entities 4. Member States shall ensure that supervisors have the power to request the…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 49"]
AML/CFT supervisory colleges in the financial sector
AML/CFT supervisory colleges in the financial sector 5. For the purposes of paragraph 1, Member States shall ensure that financial supervisors identify: (a)…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 58"]
Publication of pecuniary sanctions, administrative measures and periodic penalty payments
Publication of pecuniary sanctions, administrative measures and periodic penalty payments (2), points (a) and (c). Where the publication of the identity of the…
["SECTION 3", "Risk assessments", "Article 8"]
National risk assessment
National risk assessment 4. Member States shall use the national risk assessment to: (a) improve their AML/CFT regimes, in particular by identifying any areas…
["SECTION 2", "Bank account information", "Article 17"]
Implementing acts for the interconnection of registers
Implementing acts for the interconnection of registers (6), with regard to: (a) the technical specification defining the methods of communication by electronic…
["SECTION 1", "General provisions", "Article 47"]
Supervisory cooperation regarding obliged entities carrying out cross-border activities
Supervisory cooperation regarding obliged entities carrying out cross-border activities (3), first subparagraph, points (a), (b) and (d), where that…
["SECTION 1", "Central beneficial ownership registers", "Article 13"]
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information (2), second subparagraph. 4. Member…
["CHAPTER III", "FIUS", "Article 34"]
Consent to further dissemination of information exchanged between FIUs
Consent to further dissemination of information exchanged between FIUs (1) of Regulation (EU) 2024/1624 which concerns another Member State where the obliged…
["CHAPTER III", "FIUS", "Article 19"]
Establishment of the FIU
Establishment of the FIU 4. Each FIU shall be operationally independent and autonomous, which means that it shall have the authority and capacity to carry out…
["SECTION 1", "General provisions", "Article 40"]
Risk-based supervision
Risk-based supervision 3. By 10 July 2028, AMLA shall issue guidelines addressed to supervisors on: (a) the characteristics of a risk-based approach to…
["CHAPTER III", "FIUS", "Article 21"]
Access to information
Access to information (40); (ii) information on public procurement procedures for goods or services, or concessions; (iii) information from BARIS as referred…
["SECTION 1", "Central beneficial ownership registers", "Article 12"]
Specific access rules to beneficial ownership registers for persons with legitimate interest
Specific access rules to beneficial ownership registers for persons with legitimate interest 2. The following natural or legal persons shall be deemed to have…
["SECTION 1", "General provisions", "Article 38"]
Supervision of forms of infrastructure of certain intermediaries operating under the freedom to provide services
Supervision of forms of infrastructure of certain intermediaries operating under the freedom to provide services (2) are not met; and (b) the supervisor of the…
["SECTION 2", "National measures in sectors exposed to money laundering and terrorist financing", "Article 5"]
Requirements relating to the granting of residence rights in exchange for investment
Requirements relating to the granting of residence rights in exchange for investment 3. Member States shall adopt and implement the measures referred to in…
["SECTION 1", "General provisions", "Article 46"]
Provisions related to cooperation in the context of group supervision
Provisions related to cooperation in the context of group supervision 3. For the purposes of this Article, and except in cases where AML/CFT supervisory…
["SECTION 2", "Cooperation with other authorities and exchange of confidential information", "Article 68"]
Exchange of information among supervisors and with other authorities
Exchange of information among supervisors and with other authorities (3) shall not prevent such disclosure. However, confidential information exchanged…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 56"]
Administrative measures
Administrative measures 3. Member States shall ensure that the supervisors are able, by means of the administrative measures referred to in paragraph 2, in…
["SECTION 1", "General provisions", "Article 37"]
Powers and resources of national supervisors
Powers and resources of national supervisors (3)(a) and (b), of Regulation (EU) 2024/1624, Member States may allow the function referred to in paragraph 1 of…
["CHAPTER III", "FIUS", "Article 32"]
Joint analyses
Joint analyses 6. Member States shall ensure that FIUs are able to invite third parties, including Union bodies, offices and agencies, to take part in the…
["SECTION 1", "General provisions", "Article 46"]
Provisions related to cooperation in the context of group supervision
Provisions related to cooperation in the context of group supervision 4. By 10 July 2026, AMLA shall develop draft regulatory technical standards and submit…
["SECTION 1", "Central beneficial ownership registers", "Article 13"]
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information 6. From 10 November 2026, Member…
["SECTION 1", "Central beneficial ownership registers", "Article 12"]
Specific access rules to beneficial ownership registers for persons with legitimate interest
Specific access rules to beneficial ownership registers for persons with legitimate interest conversions, mergers and divisions of limited liability companies…
["SECTION 2", "National measures in sectors exposed to money laundering and terrorist financing", "Article 3"]
Identification of exposed sectors at national level
Identification of exposed sectors at national level 7. Where, on 9 July 2024, Member States have already applied national provisions transposing Directive (EU)…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 50"]
AML/CFT supervisory colleges in the non-financial sector
AML/CFT supervisory colleges in the non-financial sector 3. Where, after an opinion is submitted pursuant to paragraph 2, the non-financial supervisor in…
["SECTION 3", "Specific provisions relating to self-regulatory bodies", "Article 52"]
Oversight of self-regulatory bodies
Oversight of self-regulatory bodies 4. Member States shall ensure that the public authority overseeing self-regulatory bodies performs its functions free of…
["SECTION 2", "National measures in sectors exposed to money laundering and terrorist financing", "Article 6"]
Checks on the senior management and beneficial owners of certain obliged entities
Checks on the senior management and beneficial owners of certain obliged entities 7. Member States shall ensure that decisions taken by supervisors pursuant to…
["SECTION 2", "Cooperation with other authorities and exchange of confidential information", "Article 64"]
Cooperation in relation to credit institutions or financial institutions
Cooperation in relation to credit institutions or financial institutions (18), of Directive 2014/49/EU. Financial supervisors shall inform the authorities…
["SECTION 3", "Risk assessments", "Article 8"]
National risk assessment
National risk assessment extent that this information is available. 5. Member States shall ensure appropriate participation of competent authorities and…
["CHAPTER III", "FIUS", "Article 21"]
Access to information
Access to information (41); (xvii) information on annual financial statements by companies; (xviii) national migration and immigration registers; (xix)…
["SECTION 1", "General provisions", "Article 37"]
Powers and resources of national supervisors
Powers and resources of national supervisors 5. For the purposes of paragraph 1, Member States shall ensure that the national supervisors perform the following…
["CHAPTER III", "FIUS", "Article 31"]
Exchange of information between FIUs
Exchange of information between FIUs 6. Member States shall ensure that where an FIU is requested to provide information pursuant to paragraph 1, it shall…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 49"]
AML/CFT supervisory colleges in the financial sector
AML/CFT supervisory colleges in the financial sector 9. Member States shall ensure that colleges are used, among others, for exchanging information, providing…
["SECTION 1", "General provisions", "Article 47"]
Supervisory cooperation regarding obliged entities carrying out cross-border activities
Supervisory cooperation regarding obliged entities carrying out cross-border activities (2), Member States shall ensure that the supervisors of the home Member…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 55"]
Pecuniary sanctions
and administrative measures — Article 55 — Pecuniary sanctions (44), the relevant total annual turnover shall be the total annual turnover or the corresponding…
["SECTION 3", "Single access point to real estate information", "Article 18"]
Single access point to real estate information
— Article 18 — Single access point to real estate information 4. Member States shall have measures in place to ensure that information held electronically is…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 58"]
Publication of pecuniary sanctions, administrative measures and periodic penalty payments
Publication of pecuniary sanctions, administrative measures and periodic penalty payments 4. Member States shall ensure that any publication in accordance with…
["CHAPTER III", "FIUS", "Article 19"]
Establishment of the FIU
Establishment of the FIU 10. By 10 July 2028, AMLA shall issue guidelines addressed to FIUs on: (a) the measures to be put in place to preserve the operational…
["SECTION 1", "Central beneficial ownership registers", "Article 10"]
Central beneficial ownership registers
— Article 10 — Central beneficial ownership registers (1), second subparagraph, point (a), of Regulation (EU) 2024/1624. Member States shall ensure that the…
["SECTION 3", "Risk assessments", "Article 9"]
Statistics
Statistics to Article 10 (11) of this Directive; (i) the following information regarding the implementation of Article 12: (i) the number of requests to access…
["SECTION 2", "Bank account information", "Article 16"]
Bank account registers and electronic data retrieval systems
Bank account registers and electronic data retrieval systems (1) of Regulation (EU) 2024/1624, or a unique identification number and the date on which the…
["CHAPTER III", "FIUS", "Article 24"]
Suspension or withholding of consent
Suspension or withholding of consent 2. Where there is a suspicion that a bank account or payment account, a crypto-asset account or a business relationship is…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 53"]
General provisions
General provisions 6. Member States shall ensure that, when determining the type and level of pecuniary sanctions or administrative measures, supervisors take…
["SECTION 1", "Central beneficial ownership registers", "Article 10"]
Central beneficial ownership registers
— Article 10 — Central beneficial ownership registers (2) of this Directive. 7. Member States shall ensure that the beneficial ownership information held in…
["SECTION 3", "Specific provisions relating to self-regulatory bodies", "Article 52"]
Oversight of self-regulatory bodies
Oversight of self-regulatory bodies (1) of that Regulation; (c) the number and description of pecuniary sanctions and periodic penalty payments imposed or…
["CHAPTER III", "FIUS", "Article 24"]
Suspension or withholding of consent
Suspension or withholding of consent 3. The imposition of a suspension or the withholding of consent in accordance with this Article shall not attach liability…
["CHAPTER III", "FIUS", "Article 31"]
Exchange of information between FIUs
Exchange of information between FIUs 8. An FIU may refuse to exchange information only in exceptional circumstances where the exchange could be contrary to…
["SECTION 3", "Risk assessments", "Article 9"]
Statistics
Statistics (2), second subparagraph; (j) the number of searches of bank account registers or data retrieval mechanisms made by competent authorities, broken…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 49"]
AML/CFT supervisory colleges in the financial sector
AML/CFT supervisory colleges in the financial sector 11. Financial supervisors may allow their counterparts in third countries to participate as observers in…
["SECTION 2", "Bank account information", "Article 16"]
Bank account registers and electronic data retrieval systems
Bank account registers and electronic data retrieval systems (2). 5. Member States may require other information deemed essential for FIUs, for AMLA for the…
["SECTION 4", "Pecuniary sanctions and administrative measures", "Article 53"]
General provisions
General provisions 8. Member States shall ensure that legal persons can be held liable where the lack of supervision or control by a person as referred to in…
["SECTION 1", "General provisions", "Article 37"]
Powers and resources of national supervisors
Powers and resources of national supervisors 6. Member States shall ensure that supervisors have adequate powers to perform their tasks as provided for in…
["SECTION 1", "Central beneficial ownership registers", "Article 12"]
Specific access rules to beneficial ownership registers for persons with legitimate interest
Specific access rules to beneficial ownership registers for persons with legitimate interest 3. By 10 July 2026, Member States shall notify to the Commission…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 50"]
AML/CFT supervisory colleges in the non-financial sector
AML/CFT supervisory colleges in the non-financial sector 6. Where a group in the non-financial sector includes any credit institution or financial institution…
["CHAPTER III", "FIUS", "Article 21"]
Access to information
Access to information 3. Member States shall ensure that, whenever possible, the FIU is granted direct access to the information listed in paragraph 1, first…
["SECTION 1", "General provisions", "Article 47"]
Supervisory cooperation regarding obliged entities carrying out cross-border activities
Supervisory cooperation regarding obliged entities carrying out cross-border activities (1), second subparagraph. 3. Supervisors shall be able to refer to AMLA…
["SECTION 1", "General provisions", "Article 46"]
Provisions related to cooperation in the context of group supervision
Provisions related to cooperation in the context of group supervision (1), second subparagraph. Where the situations referred to in paragraph 5 arise in…
["SECTION 1", "Central beneficial ownership registers", "Article 13"]
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information 7. Member States shall ensure that…
["SECTION 2", "Bank account information", "Article 16"]
Bank account registers and electronic data retrieval systems
Bank account registers and electronic data retrieval systems 8. Member States shall ensure that information on holders of bank accounts or payment accounts…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 50"]
AML/CFT supervisory colleges in the non-financial sector
AML/CFT supervisory colleges in the non-financial sector 8. Member States shall ensure that colleges are used, among others, for exchanging information…
["SECTION 1", "Central beneficial ownership registers", "Article 10"]
Central beneficial ownership registers
— Article 10 — Central beneficial ownership registers 9. Member States shall ensure that the entities in charge of the central registers verify whether…
["SECTION 1", "Central beneficial ownership registers", "Article 12"]
Specific access rules to beneficial ownership registers for persons with legitimate interest
Specific access rules to beneficial ownership registers for persons with legitimate interest (1), point (c), of Regulation (EU) 2016/679. However, Member…
["SECTION 1", "General provisions", "Article 37"]
Powers and resources of national supervisors
Powers and resources of national supervisors 7. Member States shall ensure that financial supervisors and supervisors in charge of gambling service providers…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 49"]
AML/CFT supervisory colleges in the financial sector
AML/CFT supervisory colleges in the financial sector (1) and is used solely for the purposes of performing the supervisory tasks of the participating financial…
["SECTION 1", "Central beneficial ownership registers", "Article 13"]
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information 8. Where entities in charge of…
["SECTION 1", "Central beneficial ownership registers", "Article 12"]
Specific access rules to beneficial ownership registers for persons with legitimate interest
Specific access rules to beneficial ownership registers for persons with legitimate interest (1), point (c), of Regulation (EU) 2016/679, they are provided…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 50"]
AML/CFT supervisory colleges in the non-financial sector
AML/CFT supervisory colleges in the non-financial sector 10. Non-financial supervisors may allow their counterparts in third countries to participate in…
["SECTION 1", "Central beneficial ownership registers", "Article 13"]
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information 12. Member States may choose to make…
["SECTION 1", "Central beneficial ownership registers", "Article 10"]
Central beneficial ownership registers
— Article 10 — Central beneficial ownership registers 10. Member States shall ensure that the entities in charge of the central registers take, within 30…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 49"]
AML/CFT supervisory colleges in the financial sector
AML/CFT supervisory colleges in the financial sector (43), as well as the European Supervisory Authorities and FIUs. 13. Where the members of a college…
["SECTION 2", "Bank account information", "Article 16"]
Bank account registers and electronic data retrieval systems
Bank account registers and electronic data retrieval systems 10. Member States shall ensure that technical and organisational measures are put in place to…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 50"]
AML/CFT supervisory colleges in the non-financial sector
AML/CFT supervisory colleges in the non-financial sector (1) and is used solely for the purposes of performing the supervisory tasks of the participating…
["SECTION 1", "Central beneficial ownership registers", "Article 10"]
Central beneficial ownership registers
— Article 10 — Central beneficial ownership registers (3)(a), (b) or (c), of Regulation (EU) 2024/1624, Member States shall ensure that the entity in charge of…
["SECTION 2", "Cooperation within AML/CFT supervisory colleges and with counterparts in third countries", "Article 50"]
AML/CFT supervisory colleges in the non-financial sector
AML/CFT supervisory colleges in the non-financial sector 13. By 10 July 2026, AMLA shall develop draft regulatory technical standards and submit them to the…
["SECTION 1", "Central beneficial ownership registers", "Article 10"]
Central beneficial ownership registers
— Article 10 — Central beneficial ownership registers 14. Member States shall ensure that where a verification as referred to in paragraph 7, point (a), is…

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