Joint AMLA-EBA Guidelines on access to financial services and de-risking
- Articles
- Art. 21(4) AMLR
- Base juridique
- AMLR art. 21(4)
- Attendu
- 10 juillet 2027
- S'applique à
- 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.
Ce qu'il couvre
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.
Ce que cela signifie en pratique
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.
Les titres, résumés et notes de version sont la formulation officielle anglaise du registre et restent en anglais dans chaque version linguistique ; les libellés de statut et les dates sont traduits.
Versions et ce qui a changé
- Document de consultationpas encore disponible
- Projet finalpas encore disponible
- Soumis à la Commissionpas encore disponible
- Publié au Journal officielpas encore disponible
Sources
- 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)
Blocs du cadre concernés
Cet instrument sur le tableau de bord, avec les autres instruments et le cadre: Ouvrir sur le tableau de bord