Joint AMLA-EBA Guidelines on access to financial services and de-risking
- Artículos
- Art. 21(4) AMLR
- Base jurídica
- AMLR art. 21(4)
- Previsto
- 10 de julio de 2027
- Se aplica a
- 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.
Qué regula
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.
Qué significa en la práctica
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.
Los títulos, resúmenes y notas de versión son la redacción oficial en inglés del registro y se mantienen en inglés en cada versión lingüística; las etiquetas de estado y las fechas están traducidas.
Versiones y qué cambió
- Documento de consultaaún no disponible
- Borrador finalaún no disponible
- Presentado a la Comisiónaún no disponible
- Publicado en el Diario Oficialaún no disponible
Fuentes
- 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)
Bloques del marco afectados
Este instrumento en el panel, con los demás instrumentos y el marco: Abrir en el panel