EBA Guidelines on the use of remote customer onboarding solutions (in force until replaced)
- Articles
- Directive (EU) 2015/849 (AMLD5), art. 13(1)
- Legal basis
- AMLD5 art. 13(1); listed by AMLA as applicable
- Applies to
- 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
Published in the Official Journal or by the issuer and in force (or applying from the date shown). EBA guidelines listed by AMLA as applicable keep this status until AMLA replaces them.
What it covers
Steps for verifying a customer's identity remotely, the safeguards for the technology and its outsourcing, and the documentation to keep (EBA/GL/2022/15, published 22 November 2022, applying since 2 October 2023). AMLA lists it among the EBA instruments that continue to apply under Art. 54(5) AMLAR; the AMLR successor is the RTS on CDD, which sets the verification sources including eID and the EU Digital Identity Wallet.
What it means in practice
Reference for remote onboarding until the RTS on CDD applies; map the current process onto the RTS once its final report is published.
Versions and what changed
- Published in the Official JournalNovember 22, 2022EBA final report on the Guidelines on the use of remote customer onboarding solutions (EBA/GL/2022/15)
Applying since 2 October 2023. Listed by AMLA among the EBA instruments that continue to apply until replaced (Art. 54(5) AMLAR).
Sources
Sources
- EBA - Guidelines on the use of remote customer onboarding solutions, EBA/GL/2022/15 (22 Nov 2022, applying since 2 Oct 2023)
- AMLA - regulatory instruments overview (RTS, ITS, Guidelines)
Framework blocks it lands on
This instrument on the dashboard, with the other instruments and the framework: Open on the dashboard