Guidelines on ML/TF risk variables and risk factors (successor to the EBA Risk Factors Guidelines)
- Artículos
- Art. 20(3) AMLR
- Base jurídica
- AMLR art. 20(3)
- Previsto
- 31 de diciembre de 2026
- Se aplica a
- todo tipo de entidad obligada
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
The risk variables and risk factors obliged entities take into account when entering into business relationships or carrying out occasional transactions, and how they weigh them in the customer risk assessment. Statutory deadline 10 July 2026; AMLA schedules the consultation for Q3 2026 and the final guidelines for Q4 2026, and intends one common set of Risk Factor Guidelines covering seven mandates, with a separate workstream for the indicators of suspicion (General Board, 30 June 2026). Until then the EBA ML/TF Risk Factors Guidelines (EBA/GL/2021/02, amended on 16 January 2024 for crypto-asset service providers) remain in force.
Qué significa en la práctica
Revise the CRA model (risk factors, weighting) and the review frequency per risk class; document deviations from the EBA guidelines that still apply today.
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 - ML/TF Risk Factors Guidelines, EBA/GL/2021/02 (consolidated text, in force)
- EBA - amending Guidelines on ML/TF risk factors, crypto-asset service providers (16 Jan 2024, applying since 30 Dec 2024)
- AMLA - planning of RTS, ITS and Guidelines: Annex XI to the Single Programming Document 2026-2028 (4 Feb 2026)
- AMLA - public summary of the 9th General Board, joint session (30 Jun 2026)
- AMLA - Authority for Anti-Money Laundering
Bloques del marco afectados
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