AMLR register · Guideline · AMLA

Guidelines on ML/TF risk variables and risk factors (successor to the EBA Risk Factors Guidelines)

EBA guideline in force, AMLA successor pendingStatus reviewed October 6, 2026

Articles: Art. 20(3) AMLR
Legal basis: AMLR art. 20(3)
Expected: December 31, 2026
Applies to: every type of obliged entity

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.

What it covers

The risk variables and risk factors obliged entities take into account when entering into business relationships or carrying out occasional transactions, and how they weigh them in the customer risk assessment. Statutory deadline 10 July 2026; AMLA schedules the consultation for Q3 2026 and the final guidelines for Q4 2026, and intends one common set of Risk Factor Guidelines covering seven mandates, with a separate workstream for the indicators of suspicion (General Board, 30 June 2026). Until then the EBA ML/TF Risk Factors Guidelines (EBA/GL/2021/02, amended on 16 January 2024 for crypto-asset service providers) remain in force.

What it means in practice

Revise the CRA model (risk factors, weighting) and the review frequency per risk class; document deviations from the EBA guidelines that still apply today.

Versions and what changed

Consultation papernot yet available
Final draftnot yet available
Submitted to the Commissionnot yet available
Published in the Official Journalnot yet available

Sources

Framework blocks it lands on

Client Risk Assessment resulting in new/updated/confirmed AML/CFT risk classificationPeriodic review

This instrument on the dashboard, with the other instruments and the framework: Open on the dashboard

Other instruments

Every RTS, Guideline and ITS under the AMLR