EU Anti-Money Laundering Directive (Directive (EU) 2024/1640)
The EU directive of the 2024 AML/CFT package that tells Member States how to run beneficial ownership and bank account registers, Financial Intelligence Units and AML supervisors, and that reaches obliged entities through licensing and fit and proper checks, register use and discrepancy reporting, FIU suspensions, monitoring instructions and alerts, supervisory inspections, administrative measures and whistleblower protection.
EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) is a compliance framework from European Union (and EEA) with 5 domains and 19 controls. The largest domains are Chapter II, Section 1: Central beneficial ownership registers – EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) (7 controls), Chapter IV: Supervision, administrative measures and pecuniary sanctions – EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) (5 controls), Chapter III: FIU powers that bind obliged entities – EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) (4 controls). Every control below carries what it requires and what an assessor expects to see.
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Framework Domains (5)
Chapter I, Section 2: Licensing, registration and checks on senior management and beneficial owners – EU Anti-Money Laundering Directive (Directive (EU) 2024/1640)
| Code | Title |
|---|---|
| eu-anti-money-laundering-directive-directive-eu-2024-1640::4 | Hold the licence or registration the activity requires before operating |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::6 | Keep senior management and beneficial owners fit and proper and free of relevant convictions |
Chapter II, Section 1: Central beneficial ownership registers – EU Anti-Money Laundering Directive (Directive (EU) 2024/1640)
| Code | Title |
|---|---|
| eu-anti-money-laundering-directive-directive-eu-2024-1640::10.10 | Register entities: resolve reported discrepancies within 30 working days and show them as pending |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::10.17-18 | Register entities: pass suspicions to the FIU and keep staff free of undue influence and conflicts |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::10.5-OE | Obliged entities: report discrepancies to gain access to a no-beneficial-owner statement and its justification |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::10.7 | Register entities: verify beneficial ownership information on submission and regularly, with automated cross-checks |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::10.9 | Register entities: screen beneficial ownership data against targeted financial sanctions and flag matches |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::11.3 | Obliged entities: use the interconnected beneficial ownership registers in customer due diligence |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::12-13 | Register entities: grant legitimate-interest access by category, verify identity and respond within 12 working days |
Chapter II, Sections 2 and 3: Bank account registers and real estate information – EU Anti-Money Laundering Directive (Directive (EU) 2024/1640)
| Code | Title |
|---|---|
| eu-anti-money-laundering-directive-directive-eu-2024-1640::16-FI | Credit and financial institutions: feed the national account register with complete, current holder and beneficial owner data |
Chapter III: FIU powers that bind obliged entities – EU Anti-Money Laundering Directive (Directive (EU) 2024/1640)
| Code | Title |
|---|---|
| eu-anti-money-laundering-directive-directive-eu-2024-1640::21-OE | Give the FIU the information it requests, including transfer of funds and crypto-asset transfer data |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::24 | Apply FIU suspensions of transactions, accounts and business relationships at once |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::25-26 | Carry out FIU monitoring instructions and act on FIU alerts |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::28 | Use FIU feedback to improve suspicious transaction reporting |
Chapter IV: Supervision, administrative measures and pecuniary sanctions – EU Anti-Money Laundering Directive (Directive (EU) 2024/1640)
| Code | Title |
|---|---|
| eu-anti-money-laundering-directive-directive-eu-2024-1640::37 | Cooperate with AML/CFT supervision: produce information, give access and allow unannounced inspections |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::38-41 | E-money issuers, payment service providers and crypto-asset service providers: appoint a central contact point where required |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::39 | Take supervisors' risk information and sanctions designations into the risk assessment and screening |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::53-56 | Remedy breaches through the administrative measures imposed, within the binding deadlines |
| eu-anti-money-laundering-directive-directive-eu-2024-1640::60 | Protect staff who report AML/CFT breaches under the Whistleblower Directive |
What is EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) and who does it apply to?
EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) is a compliance framework from European Union (and EEA) with 5 domains and 19 controls. The EU directive of the 2024 AML/CFT package that tells Member States how to run beneficial ownership and bank account registers, Financial Intelligence Units and AML supervisors, and that reaches obliged entities through licensing and fit and proper checks, register use and discrepancy reporting, FIU suspensions, monitoring instructions and alerts, supervisory inspections, administrative measures and whistleblower protection. It is used by organisations to establish and maintain compliance with industry standards and regulatory requirements.
What does EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) actually require?
EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) has 19 controls organised across 5 domains. The largest domains are Chapter II, Section 1: Central beneficial ownership registers – EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) (7 controls), Chapter IV: Supervision, administrative measures and pecuniary sanctions – EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) (5 controls), Chapter III: FIU powers that bind obliged entities – EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) (4 controls). Each control defines specific requirements that organisations must implement to achieve compliance.
If I already comply with another framework, how much of EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) do I already cover?
EU Anti-Money Laundering Directive (Directive (EU) 2024/1640) does not currently have cross-framework mappings in our system. Check back as we continuously expand our mapping database.
How do I implement EU Anti-Money Laundering Directive (Directive (EU) 2024/1640)?
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