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

Ce qu'il couvre

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.

Ce que cela signifie en pratique

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.

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 consultation6 mars 2025
   EBA consultation paper (EBA/CP/2025)

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

   Sources
2. Projet final16 décembre 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).

   Sources
3. Soumis à la Commission16 décembre 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).

   Sources
4. Publié au Journal officielpas encore disponible

Thèmes de la consultation

• 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?

Sources

• 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

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 group-wide minimum requirements and additional measures for subsidiaries and branches in third countriesTexte final, en attente de publication
• RTS on the assessment of the inherent and residual risk profile of obliged entities in the non-financial sectorEn consultation
• Guidelines on ML/TF risk variables and risk factors (successor to the EBA Risk Factors Guidelines)Orientation EBA en vigueur, successeur AMLA en attente
• Guidelines on the extent of internal policies, procedures and controls (incl. the compliance function)Orientation EBA en vigueur, successeur AMLA en attente
• Guidelines on targeted financial sanctions (internal policies, procedures and controls)Orientation EBA en vigueur, successeur AMLA en attente
• Guidelines on ML/TF risks, trends and methods involving third countriesAnnoncé, pas encore de projet

Chaque RTS, orientation et ITS de l'AMLR