RTS on business relationships, occasional and linked transactions and lower CDD thresholds
- Artículos
- Art. 19(9) AMLR
- Base jurídica
- AMLR art. 19(9)
- Consulta cerrada
- 8 de mayo de 2026
- Previsto
- 10 de julio de 2027
- Se aplica a
- todo tipo de entidad obligada
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.
Qué regula
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.
Qué significa en la práctica
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.
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 consulta9 de febrero de 2026AMLA consultation paper on the draft RTS under Art. 19(9) and 19(11) AMLR
First public draft. Consultation closed 8 May 2026.
Fuentes - Borrador final1 de octubre de 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.
Fuentes - Presentado a la Comisión1 de octubre de 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.
Fuentes - Publicado en el Diario Oficialaún no disponible
Temas de la consulta
- 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?
Fuentes
- 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)
Bloques del marco afectados
Este instrumento en el panel, con los demás instrumentos y el marco: Abrir en el panel