2023
9 June
The recast Transfer of Funds Regulation (EU) 2023/1113 ("TFR") was published in the EU's Official Journal on 09 June 2023, and officially became applicable across the EU on 30 December 2024.
2024
16 January
19 June
The following Level 1 texts were published in the Official Journal of the European Union:
- Regulation (EU) 2024/1620 of the European Parliament and of the Council of 31 May 2024 establishing the Authority for Anti-Money Laundering and Countering the Financing of Terrorism and amending Regulations (EU) No 1093/2010, (EU) No 1094/2010 and (EU) No 1095/2010 ("AMLAR");
- Directive (EU) 2024/1640 of the European Parliament and of the Council of 31 May 2024 on the mechanisms to be put in place by Member States for the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, amending Directive (EU) 2019/1937 and amending and repealing Directive (EU) 2015/849 ("AMLD6"); and
- Regulation (EU) 2024/1624 of the European Parliament and of the Council of 31 May 2024 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing (commonly referred to as the Single Rulebook) ("AMLR").
30 December
The recast Transfer of Funds Regulation (EU) 2023/1113 ("TFR") came into application and expanded the Travel Rule to include crypto-asset service providers ("CASPs")
12 March
The EBA received a Call for Advice ("CfA") from the European Commission on the key components of the new anti-money laundering/countering the financing of terrorism (AML/CFT) framework.
4 July
The EBA issued the Travel Rule Guidelines (EBA/GL/2024/11) under Regulation (EU) 2023/1113 which came into effect on 30 December 2024.
2025
6 March - 6 June
The European Banking Authority ("EBA") launches a public consultation on four draft Regulatory Technical Standards ("RTS") that were part of the EBA’s response to the European Commission’s Call for Advice ("CfA"). The consultation closed on 6 June 2025.
30 October
The CfA addressed the following:
- draft regulatory technical standards ("RTS") on the methodology national supervisors will use to assess the inherent and residual risk profiles of obliged entities under Article 40(2) of AMLD6;
- draft RTS on the risk assessment AMLA will use to determine which institutions it will directly supervise under Article 12(7) of AMLAR;
- draft RTS on the information obliged entities will have to obtain as part of the customer due diligence process under the new AML/CFT regime Article 28(1) of AMLR;
- draft RTS on the way supervisors will classify breaches of the new regime by severity, and the criteria they will apply when setting the level of pecuniary sanctions or taking administrative measures, or when imposing periodic penalty payments under Article 53(10) of AMLD6;
- preparatory work on two additional mandates relating to information exchange within a group pursuant to Article 16(4) of Regulation (EU) 2024/1624 ("AMLR") and on the base amounts for pecuniary fines pursuant to Article 53(11) of AMLD6
31 December
The European Banking Authority’s ("EBA") AML/CFT powers in the financial sector were formally transferred to AMLA, establishing AMLA as the central authority for developing and enforcing a harmonised AML/CFT single rulebook across both financial and non-financial sectors. The handover concluded the EBA's stand-alone AML/CFT mandate that began in 2020 and is part of the overall EU AML/CFT package which established AMLA at the centre of an integrated, European system of AML/CFT supervision.
3 July
AMLA publishes MOUs with European Supervisory Authorities ("ESAs") and the European Central Bank ("ECB").
16 December
AMLA submits to the European Commission its final report on the draft RTS on the risk assessment for the purpose of selection of credit institutions, financial institutions and groups of credit and financial institutions for direct supervision under Article 12(7) of AMLAR.
AMLA submits to the European Commission its final report on the draft RTS on the assessment of the inherent and residual risk profile of obliged entities under Article 40(2) of AMLD6.
AMLA opened a consultation on the Draft Implementing Technical Standards ("ITS") on cooperation within the AML/CFT supervisory system for the purposes of direct supervision under Article 15(3) of AMLAR. This consultation closed on 27 January 2026.
24 December
The European Commission completes its consultation in respect of the implementing acts on the format for the submission of beneficial ownership information to the central register, pursuant to Article 10(6) of AMLD6.
2026
9 February
AMLA opened a consultation on:
- the draft RTS on criteria for identifying business relationships, occasional and linked transactions and lower thresholds under Article 19(9) of AMLR. This consultation closed on 08 May 2026;
- the draft RTS on Customer Due Diligence under Article 28(1) of AMLR. This consultation closed on 08 May 2026; and
- the draft RTS on pecuniary sanctions, administrative measures and periodic penalty payments under Article 53(10) of AMLR. This consultation closed on 09 March 2026.
27 May
AMLA held a public hearing on
- draft ITS on FIU-to-FIU exchanges under Article 31(2) of AMLD6;
- draft ITS specifying the format to be used by Financial Intelligence Units ("FIUs") for reporting to the European Public Prosecutor’s Office (the "EPPO") under Article 81(1) of AMLR; and
- draft ITS specifying the format to be used by AMLA for reporting to the EPPO under Article 41(2) of AMLAR.
3 June
Consultation on:
- draft Guidelines on ongoing monitoring of a business relationship and on the monitoring of the transactions carried out in the context of such relationships pursuant to Article 26(5) of AMLR; and
- on draft Guidelines under Article 26(5) of Regulation (EU) 2024/1624
10 July
Publication of:
- ITS on the Format for FIU-to-FIU Information Exchange pursuant to of AMLD6;
- Guidelines on Risk Variables and Risk Factors - Customer-level risk assessment pursuant to Article 20(3) of AMLR;
- RTS on Cross-Border Relevance of Suspicious Transaction Report ("STRs") - forwarding of STRs across Member States pursuant to Article 31(3) of AMLD6;
- RTS on Risk Profile Methodology for Supervised Entities, including risk-based supervision benchmarks, pursuant to Article 40(2) of AMLD6;
- RTS on Central Contact Points - CCPs for cross-border e-money, PSPs and CASPs pursuant to Article 41(2) of AMLD6;
- RTS on Home-Host Supervisory Cooperation - Provisions related to cooperation in the context of group supervision to Article 46(4) of AMLD6;
- RTS on AML/CFT Supervisory Colleges (Financial Sector) - operation of supervisory colleges in the financial sector pursuant to Article 49(14) of AMLD6;
- RTS on AML/CFT Supervisory Colleges (Non-Financial Sector) - operation of supervisory colleges in the non-financial sector pursuant to Article 50(13) AMLD6;
- RTS on Pecuniary Sanctions and Administrative Measures - sanctions framework pursuant to Article 53(10) AMLD6;
- Guidelines on Base Amounts for Pecuniary Sanctions - calibration of monetary sanctions pursuant to Article 53(11) AMLD6;
- Guidelines on the Business-Wide Risk Assessment - Content of the obliged entity's business-wide risk assessment pursuant to Article 10(4) of AMLR;
- RTS on Branches and Subsidiaries in Third Countries - Additional measures where third-country law prevents compliance Article 17(3) of AMLR;
- RTS on Branches and Subsidiaries in Third Countries - Additional measures where third-country law prevents compliance Article 17(3) AMLR;
- RTS on criteria for identifying business relationships, occasional and linked transactions and lower thresholds - Higher-risk sectors / lower transaction thresholds for CDD Article 19(9) and 19(10) of AMLR;
- Guidelines on Ongoing Monitoring of Business Relationships and on the monitoring of the transactions carried out in the context of such relationships pursuant to Article 26(5) of AMLR;
- RTS on Customer Due Diligence (including but not limited to, customer due diligence content and reliable sources) pursuant to Article 28(1) of AMLR;
- ITS on the Format for Reporting Suspicions to FIUs - STR reporting format pursuant to Article 69(3) of AMLR;
- ITS on FIU-EPPO Reporting Format pursuant to Article 81(1) of AMLR; and
- Guidelines on Internal Policies, Procedures and Controls - Scope of obliged entities' internal AML/CFT controls pursuant to Article 9(4) of AMLR.
16 April
AMLA opened a consultation on:
- the draft RTS on group-wide minimum requirements and additional measures for subsidiaries and branches in third countries under Articles 16(4) and 17(3) of AMLR. The consultation closed on 15 June 2026; and
- the draft Guidelines on business-wide risk assessment under Article 10(4) of AMLR. The consultation remains open until 15 July 2026.
28 May
Draft RTS on Home-Host Supervisory Cooperation under Article 46(4) of AMLD6.
27June
Date for closure of the consultation on draft ITS specifying the format to be used by AMLA for the reporting of information to the EPPO.
Quarter three / four (anticipated)
RTS specifying certain information to be kept in the Central AML/CFT database, conditions for requesting additional information, and materiality thresholds for the transmission and disclosure of information related to obliged entities, including those in the non-financial sector pursunt to Article 11(6) of AMLAR.
Delegated acts pursuant to Article 68(2) of AMLR defining: (a) the categories of breaches that are subject to penalties and the persons liable for such breaches; (b) indicators to classify the level of gravity of breaches that are subject to penalties; (c) the criteria to be taken into account when setting the level of penalties.
ITS specifying the template to be used for the conclusion of cooperation agreements between supervisors and their counterparts in third countries pursuant to Article 51(4) of AMLD6.
2027
1 January
Delegated Acts on Procedural rules for taking supervisory measures and imposing pecuniary sanctions and periodic penalty payments pursuant to Article 27(7) of AMLAR.
Delegated act on methodology for determining the individual amount of fees levied by on selected and non selected obliged entities by AMLA pursuant to Article 77(6) of AMLAR.
10 July
Publication of:
- Guidelines on Outsourcing by Obliged Entities - outsourcing of AML/CFT functions pursuant to Article 18(8) of AMLR;
- Joint AMLA/EBA Guidelines on De-Risking under the Payment Accounts Directive (Directive 2014/92/EU) - AML/CFT compliance and access to payment accounts pursuant to Article 21(4) of AMLR;
- Guidelines on ML/TF Risks, Trends and Methods Outside the European Union - Geographical risk and third-country exposure pursuant to Article 32(1) of AMLR
- Guidelines on EDD for High-Net-Worth Customers (Wealth Management) - Identification of EUR 50 million-plus wealth threshold - scope of application of EDD measures pursuant to Article 34(5) of AMLR;
- Guidelines on Crypto-Asset Correspondent Relationships - Cross-border correspondent crypto-asset services pursuant to Article 37(3) of AMLR;
- Guidelines on Self-Hosted Address Transactions - Mitigating measures for transfers to/from self-hosted addresses pursuant to Article 40(2) of AMLR;
- Guidelines on Politically Exposed Persons (PEPs) - Identification and risk assessment of PEPs and close associates pursuant to Article 42(2) of AMLR;
- Guidelines on Reliance on Other Obliged Entities - Reliance regime under Articles 48-50 AMLR pursuant to Article 50 of AMLR; and
- Guidelines on Indicators of Suspicious Activity or Behaviour - STR red flags and typologies pursuant to Article 69(5) of AMLR.
2028
10 July
Publication of:
- Recommendations by the European Commission on the methods and procedures to verify beneficial ownership information and identify and report discrepancies pursuant to Article 10(7) of AMLD6;
- Guidelines for FIUs on Operational Autonomy and Analysis - FIU operations and powers pursuant to article 19(10) of AMLD6;
- Deadline for Member States to make recommendations to FIUs on Feedback to Obliged Entities - feedback loop from FIUs to reporting obliged entities. Member States shall ensure that FIUs provide obliged entities with feedback on the reporting of suspicions pursuant to Article 69 of AMLR. Such feedback shall cover at least the quality of the information provided, the timeliness of reporting, the description of the suspicion and the documentation provided at submission stage;
- Guidelines for FIUs on Cross-Border STRs - procedures for forwarding STRs to other FIUs pursuant to Article 31(4) of AMLD6; and
- Guidelines for Supervisors on Risk-Based Supervision pursuant to Article 40(3) AMLD6.
2029
10 July
Deadline for the European Commission to assess whether the risks associated with those categories of legal entities identified by Member States that are exposed to higher money laundering and terrorist financing risks pursuant to Article 8(4)(c) of AMLD6, are relevant for the internal market and, where it concludes that a lower threshold is appropriate to mitigate those risks, adopt delegated acts in accordance with Article 85 AMLR to amend AMLR by identifying the categories of corporate entities that are associated with higher money laundering and terrorist financing risks and for which a lower threshold shall apply as well as the related thresholds.
To be published:
- Guidelines on Fit and Proper Assessments addressing the criteria to assess good repute, honesty, integrity, knowledge, expertise of senior management / beneficial owners as well as the consistent application by supervisors of the power intrusted to them under Article 6 AMLD6, pursuant to Article 6(8) of AMLD6;
- Guidelines (from AMLA and the EBA) on cooperation between financial supervisors and financial supervisors in charge of credit institutions and financial institutions (in respect of AML/CFT matters), including on the level of involvement of FIUs in such cooperation pursuant to Article 64(6) of AMLD6;
- Guidelines (from AMLA in cooperation with the ECB, the European Supervisory Authorities, Europol, Eurojust, and EPPO) on the multi-authority cooperation framework with respect to the prevention of AML / CFT pursuant to Article 69 of AMLD6;
2030
10 July
Deadline for the European Commission to publish a report summarising and explaining the statistics referred to in Article 9(2) of AMLD6, and make it available on its website. The report shall be published every two years thereafter.