AMLR-blog
Artikelen over de EU-antiwitwasverordening (AMLR), AMLD6, AMLA en de RTS, richtsnoeren en ITS die ze vormgeven: wat verandert, wat het betekent voor meldingsplichtige instellingen en wat u nu moet doen.
Om de paar dagen een nieuw artikel. RSS-feed · Terug naar de monitor
- · AMLR · 10 juli 2027 · cliëntenonderzoek
Wat verandert er op 10 juli 2027: de AMLR in tien verplichtingen
Vanaf 10 juli 2027 is de Europese antiwitwasverordening rechtstreeks van toepassing. Tien verplichtingen die het dagelijkse werk van meldingsplichtige entiteiten veranderen, met de artikelen en wat u nu moet doen.
- · status · AMLA · RTS
Zes weken na de eerste tranche: waar de standaarden van AMLA staan
Een stand van zaken begin september 2026: vier RTS bij de Commissie, drie consultaties open, een dozijn richtsnoeren in definitief ontwerp. Wat vaststaat, wat niet, en wat meldingsplichtige entiteiten dit kwartaal moeten doen.
- · ITS · suspicious transaction report · FIU · EN
The ITS on the suspicious transaction report: prepare your data now
AMLA is consulting on the implementing technical standard that fixes the template for reporting suspicious transactions to FIUs. What the template will ask for and how to get your data ready.
- · Guidelines · business-wide risk assessment · SIRA · EN
The Guidelines on the business-wide risk assessment: what the consultation asks of you
AMLA is consulting on Guidelines for the business-wide risk assessment under Article 10 AMLR. The structure they expect, the link to the supervisory methodology and what changes for institutions with a SIRA.
- · ongoing monitoring · periodic review · transaction monitoring · EN
Ongoing monitoring under the AMLR: review frequencies and event-driven reviews
Article 26 AMLR makes ongoing monitoring a duty with fixed elements, and AMLA is consulting on Guidelines for it. How periodic reviews, event-driven reviews and transaction monitoring fit together.
- · AMLA · direct supervision · selection · EN
Who will AMLA supervise directly in 2028? The selection methodology explained
The RTS on the selection of obliged entities for direct AMLA supervision, submitted to the Commission, sets the criteria: cross-border activity and inherent risk. What the first selection round means for candidate institutions.
- · governance · compliance manager · compliance officer · EN
The compliance manager at board level: who, what and how to evidence it
Article 11 AMLR requires a compliance manager in the management body next to the compliance officer. What the role involves, how it differs from the compliance officer and what supervisors will ask to see.
- · beneficial ownership · UBO · Article 51 · EN
The 25% beneficial ownership threshold and control through other means
Articles 51 to 56 AMLR replace national thresholds with one rule: 25% ownership, plus control through other means, traced through multi-layered structures. What to collect, verify and record from 10 July 2027.
- · outsourcing · reliance · Article 18 · EN
Outsourcing and reliance under the AMLR: what may leave the building and what must stay
Article 18 sets hard limits on outsourcing AML tasks; Articles 48 and 49 govern reliance on other obliged entities. Which tasks stay in-house, what contracts must contain and what AMLA's draft Guidelines add.
- · PEP · enhanced due diligence · Article 42 · EN
Politically exposed persons under the AMLR: the twelve-month rule and the lists of prominent public functions
Articles 42 to 46 AMLR harmonise who counts as a PEP, require Member States to publish lists of prominent public functions and keep measures in place for at least twelve months after office. What changes for screening and reviews.
- · sanctions · screening · Article 27 · EN
Sanctions screening becomes a customer due diligence measure (Article 27 AMLR)
The AMLR makes verifying whether a customer or beneficial owner is subject to EU targeted financial sanctions part of due diligence. What it means for onboarding, list updates and sectors new to screening.
- · enhanced due diligence · high-net-worth · Article 34 · EN
Enhanced due diligence for high-net-worth customers: the €50 million and €5 million tests
Article 34 AMLR requires enhanced measures for customers with wealth of at least €50 million or assets of at least €5 million handled by the institution. Source of wealth, senior approval and what private banks must change.
- · crypto-assets · CASP · self-hosted addresses · EN
Crypto under the AMLR: correspondent relationships with CASPs and self-hosted addresses
Articles 37 and 38 AMLR set enhanced measures for relationships with crypto-asset service providers and for transactions with self-hosted addresses. What CASPs and the banks that serve them must do.
- · group · third countries · Article 16 · EN
Group-wide policies and third-country branches: managing conflicting laws under the AMLR
Articles 16 and 17 AMLR require parent undertakings to implement group-wide policies, including information sharing, and to manage branches in third countries whose law is less strict or forbids the group policy.
- · simplified due diligence · Article 33 · risk-based approach · EN
Simplified due diligence under the AMLR: when low risk really is low
Article 33 AMLR allows simplified measures only after a documented low-risk assessment and never where suspicion exists. What simplified means, which factors count and what the CDD RTS specifies.
- · RTS · AMLA · European Commission · EN
The first tranche of RTS is with the Commission: what happens next
AMLA submitted its first technical standards under the AMLR to the European Commission by the 10 July 2026 deadline. How adoption, scrutiny and publication work, and what obliged entities can already do.
- · programme · planning · 10 July 2027 · EN
One year to go: a twelve-month plan to 10 July 2027
With twelve months left before the AMLR applies, a quarter-by-quarter plan for an obliged entity: gap analysis, design, build, test, and the evidence supervisors will want to see on day one.
- · record keeping · data protection · GDPR · EN
Record retention under the AMLR: five years, then deletion, and the data-protection balance
The AMLR sets a five-year retention period for customer due diligence and transaction records and requires deletion afterwards. How to reconcile it with GDPR, litigation holds and the reporting template.
- · Netherlands · Wwft · AMLD6 · EN
The Dutch implementation act for the AML package: what stays national
The Netherlands is consulting on the Implementatiewet AML-pakket that implements AMLD6 and adjusts the Wwft. What remains national next to the directly applicable AMLR: supervisors, FIU-Netherlands, registers, sanctions and the cash limit.
- · cash limit · traders in goods · dealers · EN
The €10,000 cash limit and what it means for traders in goods and services
The AMLR caps cash payments at €10,000 for traders in goods and services across the EU, with Member States free to set a lower limit. Who is affected, what must be refused and what obliged entities must record.