RTS on business relationships, occasional and linked transactions and lower CDD thresholds

Ce qu'il couvre

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.

Ce que cela signifie en pratique

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.

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

1. Document de consultation9 février 2026
   AMLA consultation paper on the draft RTS under Art. 19(9) and 19(11) AMLR

   First public draft. Consultation closed 8 May 2026.

   Sources
2. Projet final1 octobre 2026
   AMLA 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.

   Sources
3. Soumis à la Commission1 octobre 2026
   Submitted 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.

   Sources
4. Publié au Journal officielpas encore disponible

Thèmes de la consultation

• 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?

Sources

• 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)

Blocs du cadre concernés

Cet instrument sur le tableau de bord, avec les autres instruments et le cadre: Ouvrir sur le tableau de bord

Autres instruments

• RTS on customer due diligence (CDD)Texte final, en attente de publication
• ITS on the format for reporting suspicions and providing transaction records to the FIUConsultation close, en cours de finalisation
• Guidelines on ongoing monitoring and transaction monitoringConsultation close, en cours de finalisation
• Joint AMLA-EBA Guidelines on access to financial services and de-riskingOrientation EBA en vigueur, successeur AMLA en attente

Chaque RTS, orientation et ITS de l'AMLR