AMLR Framework: Integrated Compliance Architecture

The AMLR is Regulation (EU) 2024/1624, the EU Anti-Money Laundering Regulation. It is the "single rulebook" of the EU AML package: directly applicable customer due diligence, beneficial ownership, internal control and reporting obligations for obliged entities across the EU. It applies from 10 July 2027.

The AMLR applies from 10 July 2027 (Article 90). Football clubs and agents follow from 10 July 2029. The same date, 10 July 2027, is the transposition deadline of the Sixth Anti-Money Laundering Directive (AMLD6, Directive (EU) 2024/1640).

A Regulatory Technical Standard (RTS) is a binding delegated act that specifies how an AMLR article must be applied; AMLA drafts it and the European Commission adopts it. An Implementing Technical Standard (ITS) is a binding act that sets formats and templates, such as the template for reporting suspicious transactions. Guidelines are issued by AMLA on a comply-or-explain basis and set supervisory expectations without being directly binding law.

AMLA is the Authority for Anti-Money Laundering and Countering the Financing of Terrorism, established by Regulation (EU) 2024/1620 and based in Frankfurt. It became operational in 2025, develops the RTS, ITS and Guidelines under the AML package, and will directly supervise a first group of up to 40 cross-border financial institutions from 2028.

A draft RTS has been published for public consultation. Obliged entities and industry bodies can respond until the consultation closes. After that the draft is finalised, submitted to the European Commission and adopted as a delegated regulation, then published in the Official Journal of the EU.

Most Wwft obligations are replaced by the directly applicable AMLR; the Dutch implementation act keeps national elements such as supervision by DNB, AFM and BFT, FIU-Netherlands reporting and possibly lower cash limits. Key changes include suspicion-based reporting instead of "unusual transaction" indicators, an EU-wide beneficial ownership threshold, a board-level compliance manager and harmonised enhanced due diligence.

From 10 July 2027 the AMLR obligations apply and national supervisors review compliance under the AMLD6 implementation act. From 2028 AMLA directly supervises a first group of up to 40 cross-border financial institutions selected in 2027, with new selection rounds every three years. From 10 July 2029 football clubs and agents are covered. AMLA keeps issuing and revising Guidelines, Q&As and technical standards, so compliance becomes a standing cycle of risk assessments, periodic customer reviews, reporting and training rather than a one-off project.

The public dashboard shows the status of every RTS, Guideline and ITS under the AMLR, filtered by type of obliged entity, mapped onto a compliance framework with article links and "what changes" notes. The workspace (free account per organisation) adds a company profile with an AI impact assessment, a readiness tracker shown as a heat map, country-specific points for every EU country, an AI consultant that knows your organisation, consultation tracking, daily source alerts, tasks, a team, exports and a board report.

Regulatory statuses are reviewed manually and dated on the page. In addition, an automated check fetches the EBA, AMLA, EUR-Lex and DNB source pages every day and lists any new AML-related publication for signed-in users in the workspace.

Every obliged entity in Article 3 AMLR: credit and financial institutions, payment and e-money institutions, investment firms and fund managers, life insurers, crypto-asset service providers, crowdfunding platforms, trust and company service providers, accountants, tax advisers, lawyers and notaries for listed transactions, estate agents, dealers in high-value goods, gambling operators and, from 2029, professional football clubs and agents. The overview page lists every type with its scope.

Traders in goods and services may not accept cash payments of 10,000 euro or more (Article 80 AMLR). Member States may set a lower limit; the Netherlands has 3,000 euro. Payments between private individuals and payments at credit, payment and e-money institutions are excluded.

25 percent of shares, voting rights or other ownership interest, directly or indirectly, plus control through other means such as veto rights or the power to appoint the majority of the board (Articles 51 to 56). Member States may set a lower threshold for high-risk sectors.

Yes. MiCA-licensed CASPs are obliged entities under the AMLR with specific enhanced due diligence for cross-border correspondent relationships and self-hosted addresses (Articles 37 and 38), next to the Transfer of Funds Regulation travel rule.

In consultation: a draft is open for comment. Consultation closed, being finalised: AMLA processes the responses. Final text, awaiting publication: adopted or submitted to the Commission, not yet in the Official Journal. EBA guideline in force, AMLA successor pending: the current EBA guideline applies today; AMLA's replacement under the AMLR is not yet consulted on or published. Published: in force or applying from the date shown.