RTS on business relationships, occasional and linked transactions and lower CDD thresholds
- Artikel
- Art. 19(9) AMLR
- Rechtsgrundlage
- AMLR art. 19(9)
- Konsultation beendet
- 8. Mai 2026
- Erwartet
- 10. Juli 2027
- Gilt für
- jede Art von Verpflichtetem
The final text has been adopted or submitted to the Commission but is not yet published in the Official Journal, so it does not apply yet.
Worum es geht
Criteria for deciding when a contact becomes a business relationship, when transactions are occasional or linked, and which lower thresholds (below the EUR 10 000 default) trigger customer due diligence for higher-risk sectors and products. Consulted by AMLA from 9 February to 8 May 2026 (public hearing 24 March 2026). On 1 October 2026 AMLA published the final report and submitted the final draft to the European Commission (press release of 1 October 2026); adoption and publication in the Official Journal still to follow.
Was es in der Praxis bedeutet
Sets the moment CDD starts. Check the onboarding trigger, the linked-transaction logic in transaction monitoring and any sector threshold that applies to your products.
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
- Konsultationspapier9. Februar 2026AMLA consultation paper on the draft RTS under Art. 19(9) and 19(11) AMLR
First public draft. Consultation closed 8 May 2026.
Quellen - Endgültiger Entwurf1. Oktober 2026AMLA final report on the draft RTS under Art. 19(9) and 19(11) AMLR
Final report published with the press release of 1 October 2026, together with the RTS on customer due diligence and on group-wide requirements.
Quellen - Bei der Kommission eingereicht1. Oktober 2026Submitted to the European Commission for adoption
The press release of 1 October 2026 states that the final draft standards are submitted to the Commission; adoption and publication in the Official Journal still to follow.
Quellen - Im Amtsblatt veröffentlichtnoch nicht verfügbar
Konsultationsthemen
- Are the criteria for a business relationship and for linked transactions workable in your onboarding and monitoring systems?
- Which lower thresholds should apply to your sector or products?
Quellen
- AMLA - press release: AMLA finalises key standards for the private sector (1 Oct 2026)
- AMLA - consultation on the draft RTS on business relationships, occasional and linked transactions and lower thresholds (9 Feb - 8 May 2026)
- AMLA - planning of RTS, ITS and Guidelines: Annex XI to the Single Programming Document 2026-2028 (4 Feb 2026)
- AMLA - Authority for Anti-Money Laundering
- AMLR - Regulation (EU) 2024/1624 (EUR-Lex)
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