Joint AMLA-EBA Guidelines on access to financial services and de-risking
- Artikel
- Art. 21(4) AMLR
- Rechtsgrundlage
- AMLR art. 21(4)
- Erwartet
- 10. Juli 2027
- Gilt für
- Bank / credit institution, Other financial institution, Mortgage lender / credit intermediary, Payment / e-money institution, Investment firm / fund manager, Life insurer / intermediary, Pension fund / administrator, Crowdfunding service provider, Crypto-asset service provider
Today's EBA guideline or EBA-drafted standard on this topic is final and applies (Art. 54(5) AMLAR). AMLA will replace it with its own text under the AML package; no consultation paper exists yet. The expected date follows AMLA's programming document or the statutory deadline.
Worum es geht
Joint guidelines with the EBA on the measures credit and financial institutions may take to comply with AML/CFT rules when applying the Payment Accounts Directive, including for relationships most affected by de-risking. Statutory deadline 10 July 2027; the EBA continues its de-risking guidelines jointly with AMLA (transition factsheet). Until then the EBA Guidelines on the effective management of ML/TF risks when providing access to financial services (31 March 2023) apply.
Was es in der Praxis bedeutet
Document the decision process before refusing or ending a relationship on ML/TF grounds; the AMLR requires the risk-based alternative to be considered and recorded.
Titel, Zusammenfassungen und Änderungshinweise sind der offizielle englische Wortlaut des Registers und bleiben in jeder Sprachfassung englisch; Statusbezeichnungen und Daten sind übersetzt.
Fassungen und Änderungen
- Konsultationspapiernoch nicht verfügbar
- Endgültiger Entwurfnoch nicht verfügbar
- Bei der Kommission eingereichtnoch nicht verfügbar
- Im Amtsblatt veröffentlichtnoch nicht verfügbar
Quellen
- EBA - Guidelines on the management of ML/TF risks when providing access to financial services, de-risking (31 Mar 2023, applying since 3 Nov 2023)
- AMLA - EBA-AMLA transition factsheet: existing EBA guidelines and standards stay in force until replaced
- AMLR - Regulation (EU) 2024/1624 (EUR-Lex)
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