RTS on customer due diligence (CDD)
- Artículos
- Art. 28(1) AMLR
- Base jurídica
- AMLR art. 28(1)
- 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
Specifies which information must be collected and verified when identifying the customer and beneficial owner, which reliable sources may be used, and the requirements for simplified and enhanced due diligence. The EBA consulted a first draft in 2025; AMLA re-consulted its own draft 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
Affects almost the entire Client Acceptance column: onboarding data model, verification sources (incl. eID/EUDI wallet), SDD/EDD triggers and periodic review frequencies. Until the RTS applies, the EBA Guidelines on remote customer onboarding remain the reference for remote verification.
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 consulta6 de marzo de 2025EBA consultation paper (EBA/CP/2025)
First public draft, prepared by the EBA. Consultation closed 6 June 2025.
Fuentes - Documento de consulta9 de febrero de 2026AMLA consultation paper on the draft RTS under Art. 28(1) AMLR
AMLA re-consulted its own draft to capture the non-financial sector, which barely responded to the EBA round. Public hearing 24 March 2026; consultation closed 8 May 2026.
Fuentes - Borrador final1 de octubre de 2026AMLA final report on the draft RTS under Art. 28(1) AMLR
Final report published with the press release of 1 October 2026, after the statutory deadline of 10 July 2026 that AMLA had moved to the third quarter in its programming document. Compare the final text with the February draft before building on it.
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
- Is the list of identity data for natural and legal persons proportionate and complete?
- Which sources should count as reliable and independent for verification, including eID and digital identity wallets?
- Are the proposed simplified and enhanced due diligence measures workable for your customer base?
- How should existing customers be transitioned to the new requirements?
Fuentes
- AMLA - final report on the draft RTS under Art. 28(1) AMLR (customer due diligence)
- AMLA - press release: AMLA finalises key standards for the private sector (1 Oct 2026)
- AMLA - consultation on the draft RTS on customer due diligence (9 Feb - 8 May 2026)
- AMLA - planning of RTS, ITS and Guidelines: Annex XI to the Single Programming Document 2026-2028 (4 Feb 2026)
- EBA - consultation on 4 RTS under the AML package (6 Mar - 6 Jun 2025)
- AMLA - Authority for Anti-Money Laundering
Bloques del marco afectados
Este instrumento en el panel, con los demás instrumentos y el marco: Abrir en el panel