What is the AMLR?
The AMLR is the Anti-Money Laundering Regulation, Regulation (EU) 2024/1624 of 31 May 2024. It is the first EU regulation that sets the anti-money-laundering and counter-terrorist-financing obligations of banks, payment institutions, crypto-asset service providers, accountants, lawyers, notaries, estate agents, traders in high-value goods and other obliged entities directly, without national transposition. It applies from 10 July 2027 and replaces most of what the national AML laws implemented from the earlier directives.
The AMLR in one paragraph
One rulebook, directly applicable in all 27 Member States, for who must comply (Article 3), how customers are identified and verified (Articles 19 to 28), how beneficial owners are determined (Articles 51 to 67), when enhanced due diligence applies (Articles 33 to 47), how suspicious transactions are reported to the FIU (Articles 69 to 74), how records are kept (Articles 77 to 78) and a Union-wide cash limit of 10,000 euro. The technical detail is written by AMLA in Regulatory Technical Standards, Implementing Technical Standards and Guidelines.
The AMLR, AMLD6 and AMLAR: three texts, one package
The EU AML package of June 2024 has three parts. The AMLR contains the obligations of obliged entities. The Sixth Anti-Money Laundering Directive (AMLD6, Directive (EU) 2024/1640) governs national supervisors, financial intelligence units, beneficial ownership registers and sanctions, and must be transposed by 10 July 2027. The AMLA Regulation (AMLAR, Regulation (EU) 2024/1620) creates the Authority for Anti-Money Laundering, which drafts the technical standards and directly supervises selected cross-border financial institutions from 2028.
What the AMLR replaces
Until 10 July 2027 the obligations sit in national law that implemented the Fourth and Fifth AML Directives: the Wwft in the Netherlands, the Geldwäschegesetz in Germany, the Code monétaire et financier in France, Ley 10/2010 in Spain. From that date the AMLR applies directly and those national obligations fall away, except where the AMLR leaves an option to Member States (a lower cash limit, extra obliged entities, the FIU channel).
Where the AMLR stands today
The regulation itself is final and published. The detailed rules are not: AMLA consulted on the first RTS in 2025, more RTS, ITS and Guidelines follow through 2026 and 2027, and each one moves through consultation, final draft, adoption by the Commission and publication. AMLR Monitor tracks that status for every instrument, with the consultation deadline, the expected date and a link to the source.
Frequently asked questions
What does AMLR stand for?
Anti-Money Laundering Regulation. Its official name is Regulation (EU) 2024/1624 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing.
Is the AMLR the same as AMLD6?
No. The AMLR is a regulation that applies directly to obliged entities; AMLD6 is a directive aimed at Member States (supervision, FIUs, registers) that must be transposed into national law. Both apply from 10 July 2027.
Does the AMLR apply outside the EU?
It applies in the EU Member States and, after incorporation, in the EEA states. Third-country branches and subsidiaries of EU groups are covered through the group-wide requirements in Articles 16 and 17.
Where can I read the AMLR text?
On EUR-Lex under ELI eur-lex.europa.eu/eli/reg/2024/1624/oj. Every article reference on the AMLR Monitor dashboard links to that text.
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