EU AML Regulation / AMLA package

Effective: 2024-07-09

Sectors

Banking & Finance Crypto & Digital Assets Insurance Gambling & Gaming Professional Services Real Estate & Construction

Articles (198)

Article 1 — Subject matterArticle 2 — DefinitionsArticle 3 — Obliged entitiesArticle 4 — Exemptions for certain providers of gambling servicesArticle 5 — Exemptions for certain professional football clubsArticle 6 — Exemptions for certain financial activitiesArticle 7 — Prior notification of exemptionsArticle 8 — Notification of cross-border operations and application of national lawArticle 9 — Scope of internal policies, procedures and controlsArticle 10 — Business-wide risk assessmentArticle 11 — Compliance functionsArticle 12 — Awareness of requirementsArticle 13 — Integrity of employeesArticle 14 — Reporting of breaches and protection of reporting personsArticle 15 — Situation of specific employeesArticle 16 — Group-wide requirementsArticle 17 — Branches and subsidiaries in third countriesArticle 18 — OutsourcingArticle 19 — Application of customer due diligence measuresArticle 20 — Customer due diligence measuresArticle 21 — Inability to comply with the requirement to apply customer due diligence measuresArticle 22 — Identification and verification of the identity of customers and beneficial ownersArticle 23 — Timing of the verification of the customer and beneficial owner identityArticle 24 — Reporting of discrepancies with information contained in beneficial ownership registersArticle 25 — Identification of the purpose and intended nature of a business relationship or occasional transactionArticle 26 — Ongoing monitoring of the business relationship and monitoring of transactions performed by customersArticle 27 — Temporary measures for customers subject to UN financial sanctionsArticle 28 — Regulatory technical standards on the information necessary for the performance of customer due diligenceArticle 29 — Identification of third countries with significant strategic deficiencies in their national AML/CFT regimesArticle 30 — Identification of third countries with compliance weaknesses in their national AML/CFT regimesArticle 31 — Identification of third countries posing a specific and serious threat to the Union’s financial systemArticle 32 — Guidelines on money laundering and terrorist financing risks, trends and methodsArticle 33 — Simplified due diligence measuresArticle 1 — Establishment and scope of actionArticle 34 — Scope of application of enhanced due diligence measuresArticle 2 — DefinitionsArticle 35 — Countermeasures to mitigate money laundering and terrorist financing threats from outside the UnionArticle 3 — Legal statusArticle 36 — Specific enhanced due diligence measures for cross-border correspondent relationshipsArticle 4 — SeatArticle 37 — Specific enhanced due diligence measures for cross-border correspondent relationships for crypto-asset service providersArticle 5 — TasksArticle 38 — Specific measures for individual third-country respondent institutionsArticle 6 — Powers of the AuthorityArticle 39 — Prohibition of correspondent relationships with shell institutionsArticle 7 — Cooperation within the AML/CFT supervisory systemArticle 40 — Measures to mitigate risks in relation to transactions with a self-hosted addressArticle 8 — AML/CFT supervisory methodologyArticle 41 — Specific provisions regarding applicants for residence by investment schemesArticle 9 — Thematic reviewsArticle 42 — Specific provisions regarding politically exposed personsArticle 10 — Mutual assistance in the AML/CFT supervisory systemArticle 43 — List of prominent public functionsArticle 11 — Central AML/CFT databaseArticle 44 — Politically exposed persons who are beneficiaries of insurance policiesArticle 12 — Assessment of credit institutions and financial institutions for the purposes of selection for direct supervisionArticle 45 — Measures for persons who cease to be politically exposed personsArticle 13 — The listing of selected obliged entitiesArticle 46 — Family members and persons known to be close associates of politically exposed personsArticle 14 — Additional transfer of direct supervision tasks and powers in exceptional circumstances upon the request of a financial supervisorArticle 47 — Specifications for the life and other investment-related insurance sectorArticle 15 — Cooperation within the AML/CFT supervisory system for the purposes of direct supervisionArticle 48 — General provisions relating to reliance on other obliged entitiesArticle 16 — Joint supervisory teamsArticle 49 — Process of reliance on another obliged entityArticle 17 — Requests for informationArticle 50 — Guidelines on reliance on other obliged entitiesArticle 18 — General investigationsArticle 51 — Identification of beneficial owners for legal entitiesArticle 19 — On-site inspectionsArticle 52 — Beneficial ownership through ownership interestArticle 20 — Authorisation by a judicial authorityArticle 53 — Beneficial ownership through controlArticle 21 — Administrative measuresArticle 54 — Coexistence of ownership interest and control in the ownership structureArticle 22 — Pecuniary sanctionsArticle 55 — Ownership structures involving legal arrangements or similar legal entitiesArticle 23 — Periodic penalty paymentsArticle 56 — NotificationsArticle 24 — Hearing of persons subject to proceedingsArticle 57 — Identification of beneficial owners for legal entities similar to express trustArticle 25 — Publication of administrative measures, pecuniary sanctions and periodic penalty paymentsArticle 58 — Identification of beneficial owners for express trusts and similar legal arrangementsArticle 26 — Enforcement of pecuniary sanctions and periodic penalty payments and allocation of the amounts of those sanctions and paymentsArticle 59 — Identification of a class of beneficiariesArticle 27 — Procedural rules for taking supervisory measures and imposing pecuniary sanctions and periodic penalty paymentsArticle 60 — Identification of objects of a power and default takers in discretionary trustsArticle 28 — Review by the Court of Justice of the European UnionArticle 61 — Identification of beneficial owners of collective investment undertakingsArticle 29 — Language arrangements in direct supervisionArticle 62 — Beneficial ownership informationArticle 30 — Assessments of the state of supervisory convergenceArticle 63 — Obligations of legal entitiesArticle 31 — Coordination and facilitation of the work of the AML/CFT supervisory colleges in the financial sectorArticle 64 — Trustee obligationsArticle 32 — Requests to act in exceptional circumstances following indications of serious, repeated or systematic breachesArticle 65 — Exceptions to obligations of legal entities and legal arrangementsArticle 33 — Settlement of disagreements between financial supervisors in cross-border situationsArticle 66 — Nominee obligationsArticle 34 — Action in cases of systematic failures of supervisionArticle 67 — Foreign legal entities and foreign legal arrangementsArticle 35 — Peer reviewsArticle 68 — PenaltiesArticle 36 — Coordination and facilitation of the work of AML/CFT supervisory colleges in the non-financial sectorArticle 69 — Reporting of suspicionsArticle 37 — Warnings of breaches of Union law by non-financial supervisors and public authorities overseeing self-regulatory bodiesArticle 70 — Specific provisions for reporting of suspicions by certain categories of obliged entitiesArticle 38 — Settlement of disagreements between non-financial supervisors in cross-border situationsArticle 71 — Refraining from carrying out transactionsArticle 39 — Cooperation between the Authority and Financial Intelligence UnitsArticle 72 — Disclosure to FIUArticle 40 — Conduct of joint analysesArticle 73 — Prohibition of disclosureArticle 41 — Reporting and transmission of the results of joint analysesArticle 74 — Threshold-based reports of transactions in certain high-value goodsArticle 42 — Requests by the Authority for the initiation of a joint analysisArticle 75 — Exchange of information in the framework of partnerships for information sharingArticle 43 — Review of the methods and procedures for, and conduct of, joint analysesArticle 76 — Processing of personal dataArticle 44 — National FIU delegatesArticle 77 — Record retentionArticle 45 — Mutual assistance in the area of cooperation between FIUsArticle 78 — Provision of records to competent authoritiesArticle 46 — Mediation between FIUsArticle 79 — Anonymous accounts and bearer shares and bearer share warrantsArticle 47 — FIU.netArticle 80 — Limits to large cash payments in exchange for goods or servicesArticle 48 — Peer reviewArticle 81 — Cooperation between FIUs and the EPPOArticle 49 — Regulatory technical standardsArticle 82 — Requests for information to the EPPOArticle 50 — Exercise of the delegationArticle 83 — Cooperation between FIUs and OLAFArticle 51 — Objections to regulatory technical standardsArticle 84 — Requests for information to OLAFArticle 52 — Non-endorsement or amendment of draft regulatory technical standardsArticle 85 — Exercise of the delegationArticle 53 — Implementing technical standardsArticle 86 — Committee procedureArticle 54 — Guidelines and recommendationsArticle 87 — ReviewArticle 55 — Opinions and technical adviceArticle 88 — ReportsArticle 56 — Administrative and management structureArticle 89 — Relation to Directive (EU) 2015/849Article 57 — Composition of the General BoardArticle 90 — Entry into force and applicationArticle 58 — Delegation of tasks and decisions, and internal committees of the General BoardArticle 59 — Independence of the General BoardArticle 60 — Tasks of the General BoardArticle 61 — Voting rules of the General BoardArticle 62 — Meetings of the General BoardArticle 63 — Composition and appointment of the Executive BoardArticle 64 — Tasks of the Executive BoardArticle 65 — Annual and multiannual programmingArticle 66 — Voting rules of the Executive BoardArticle 67 — Fundamental Rights OfficerArticle 68 — Appointment of the Chair of the AuthorityArticle 69 — Responsibilities of the Chair of the AuthorityArticle 70 — Appointment of the Executive DirectorArticle 71 — Tasks of the Executive DirectorArticle 72 — Establishment and composition of the Administrative Board of ReviewArticle 73 — Members of the Administrative Board of ReviewArticle 74 — Decisions subject to reviewArticle 75 — Exclusion and objectionArticle 76 — BudgetArticle 77 — Fees levied on selected and non-selected obliged entitiesArticle 78 — Establishment of the budgetArticle 79 — Implementation of the budgetArticle 80 — Presentation of accounts and dischargeArticle 81 — Financial rulesArticle 82 — Anti-fraud measuresArticle 83 — IT securityArticle 84 — Accountability and reportingArticle 85 — General provisionArticle 86 — Privileges and immunitiesArticle 87 — Staff of the Authority previously employed by the EBAArticle 88 — Obligation of professional secrecyArticle 89 — Security rules on the protection of classified and sensitive non-classified informationArticle 90 — Reporting of breaches and protection of reporting personsArticle 91 — Cooperation with the European Supervisory AuthoritiesArticle 92 — Cooperation with non-AML/CFT authoritiesArticle 93 — Partnerships for information sharing in the field of AML/CFTArticle 94 — Cooperation with OLAF, Europol, Eurojust and the EPPOArticle 95 — Cooperation with third countries and international organisationsArticle 96 — Access to documentsArticle 97 — General language arrangementsArticle 98 — Data protectionArticle 99 — Liability of the AuthorityArticle 100 — Delegated actsArticle 101 — Headquarters Agreement and operating conditionsArticle 102 — Evaluation and reviewArticle 103 — Amendments to Regulation (EU) No 1093/2010Article 104 — Amendments to Regulation (EU) No 1094/2010Article 105 — Amendments to Regulation (EU) No 1095/2010Article 106 — Transitional arrangementsArticle 107 — Commencement of the Authority’s activitiesArticle 108 — Entry into force and application