RTS on the assessment of the inherent and residual risk profile of obliged entities (financial sector)

Qué regula

Harmonised methodology supervisors use to rate the inherent and residual ML/TF risk of credit and financial institutions: the data points, risk indicators, weighting and the resulting risk categories. Final report published by AMLA on 16 December 2025 and sent to the Commission; the Commission's Legal Service asked for clarifications and AMLA aims to finalise the RTS before the end of 2026 (General Board, 1 July 2026). The non-financial sector has its own draft RTS under the same article, in consultation since July 2026.

Qué significa en la práctica

Determines how your supervisor classifies your institution and how intensively it is supervised. Expect standardised data requests on customers, products, channels and geography; align the SIRA, risk appetite and management information with these indicators.

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

1. Documento de consulta6 de marzo de 2025
   EBA consultation paper (EBA/CP/2025)

   First public draft, prepared by the EBA. Consultation closed 6 June 2025.

   Fuentes
2. Borrador final16 de diciembre de 2025
   AMLA final report on the draft RTS under Art. 40(2) AMLD6

   Final report published by AMLA on 16 December 2025 with the methodology for supervisors to rate the inherent and residual risk profile of credit and financial institutions (the non-financial sector gets its own RTS).

   Fuentes
3. Presentado a la Comisión16 de diciembre de 2025
   Sent to the European Commission for adoption

   Sent to the Commission in December 2025 (press release of 18 December 2025; AMLA's 2025 annual report). The Commission's Legal Service asked for clarifications; AMLA aims to finalise the RTS before the end of 2026 (General Board, 1 July 2026).

   Fuentes
4. Publicado en el Diario Oficialaún no disponible

Temas de la consulta

• Are the mandatory risk factors for the business-wide risk assessment appropriate for your sector?
• Is the proposed weighting method compatible with existing risk models?
• How often should the business-wide assessment be reviewed?

Fuentes

• AMLA - final report on the RTS under Art. 40(2) AMLD6 (16 Dec 2025)
• AMLA - press release: a major step toward harmonised EU supervision, first two final RTS (18 Dec 2025)
• AMLA - public summary of the 9th General Board, supervisory composition (1 Jul 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

Otros instrumentos

• RTS on group-wide minimum requirements and additional measures for subsidiaries and branches in third countriesTexto final, pendiente de publicación
• RTS on the assessment of the inherent and residual risk profile of obliged entities in the non-financial sectorEn consulta
• Guidelines on ML/TF risk variables and risk factors (successor to the EBA Risk Factors Guidelines)Directriz EBA en vigor, sucesor AMLA pendiente
• Guidelines on the extent of internal policies, procedures and controls (incl. the compliance function)Directriz EBA en vigor, sucesor AMLA pendiente
• Guidelines on targeted financial sanctions (internal policies, procedures and controls)Directriz EBA en vigor, sucesor AMLA pendiente
• Guidelines on ML/TF risks, trends and methods involving third countriesAnunciado, aún sin borrador

Cada RTS, directriz e ITS del AMLR