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Table of Contents

CHAPTER I GENERAL PROVISIONS
⊞ ▼
SECTION 1 — Subject matter and definitions
⊞ ▼
  • Article 1 Subject matter
  • Article 2 Definitions
SECTION 2 — Scope
⊞ ▼
  • Article 3 Obliged entities
  • Article 4 Exemptions for certain providers of gambling services
  • Article 5 Exemptions for certain professional football clubs
  • Article 6 Exemptions for certain financial activities
  • Article 7 Prior notification of exemptions
SECTION 3 — Cross-border operations
⊞ ▼
  • Article 8 Notification of cross-border operations and application of national law
CHAPTER II INTERNAL POLICIES, PROCEDURES AND CONTROLS OF OBLIGED ENTITIES
⊞ ▼
SECTION 1 — Internal policies, procedures and controls, risk assessment and staff
⊞ ▼
  • Article 9 Scope of internal policies, procedures and controls
  • Article 10 Business-wide risk assessment
  • Article 11 Compliance functions
  • Article 12 Awareness of requirements
  • Article 13 Integrity of employees
  • Article 14 Reporting of breaches and protection of reporting persons
  • Article 15 Situation of specific employees
SECTION 2 — Provisions applying to groups
⊞ ▼
  • Article 16 Group-wide requirements
  • Article 17 Branches and subsidiaries in third countries
SECTION 3 — Outsourcing
⊞ ▼
  • Article 18 Outsourcing
CHAPTER III CUSTOMER DUE DILIGENCE
⊞ ▼
SECTION 1 — General provisions
⊞ ▼
  • Article 19 Application of customer due diligence measures
  • Article 20 Customer due diligence measures
  • Article 21 Inability to comply with the requirement to apply customer due diligence measures
  • Article 22 Identification and verification of the identity of customers and beneficial owners
  • Article 23 Timing of the verification of the customer and beneficial owner identity
  • Article 24 Reporting of discrepancies with information contained in beneficial ownership registers
  • Article 25 Identification of the purpose and intended nature of a business relationship or occasional transaction
  • Article 26 Ongoing monitoring of the business relationship and monitoring of transactions performed by customers
  • Article 27 Temporary measures for customers subject to UN financial sanctions
  • Article 28 Regulatory technical standards on the information necessary for the performance of customer due diligence
SECTION 2 — Third-country policy and money laundering and terrorist financing threats from outside the Union
⊞ ▼
  • Article 29 Identification of third countries with significant strategic deficiencies in their national AML/CFT regimes
  • Article 30 Identification of third countries with compliance weaknesses in their national AML/CFT regimes
  • Article 31 Identification of third countries posing a specific and serious threat to the Union’s financial system
  • Article 32 Guidelines on money laundering and terrorist financing risks, trends and methods
SECTION 3 — Simplified due diligence
⊞ ▼
  • Article 33 Simplified due diligence measures
SECTION 4 — Enhanced due diligence
⊞ ▼
  • Article 34 Scope of application of enhanced due diligence measures
  • Article 35 Countermeasures to mitigate money laundering and terrorist financing threats from outside the Union
  • Article 36 Specific enhanced due diligence measures for cross-border correspondent relationships
  • Article 37 Specific enhanced due diligence measures for cross-border correspondent relationships for crypto-asset service providers
  • Article 38 Specific measures for individual third-country respondent institutions
  • Article 39 Prohibition of correspondent relationships with shell institutions
  • Article 40 Measures to mitigate risks in relation to transactions with a self-hosted address
  • Article 41 Specific provisions regarding applicants for residence by investment schemes
  • Article 42 Specific provisions regarding politically exposed persons
  • Article 43 List of prominent public functions
  • Article 44 Politically exposed persons who are beneficiaries of insurance policies
  • Article 45 Measures for persons who cease to be politically exposed persons
  • Article 46 Family members and persons known to be close associates of politically exposed persons
SECTION 5 — Specific customer due diligence provisions
⊞ ▼
  • Article 47 Specifications for the life and other investment-related insurance sector
SECTION 6 — Reliance on customer due diligence performed by other obliged entities
⊞ ▼
  • Article 48 General provisions relating to reliance on other obliged entities
  • Article 49 Process of reliance on another obliged entity
  • Article 50 Guidelines on reliance on other obliged entities
CHAPTER IV BENEFICIAL OWNERSHIP TRANSPARENCY
⊞ ▼
  • Article 51 Identification of beneficial owners for legal entities
  • Article 52 Beneficial ownership through ownership interest
  • Article 53 Beneficial ownership through control
  • Article 54 Coexistence of ownership interest and control in the ownership structure
  • Article 55 Ownership structures involving legal arrangements or similar legal entities
  • Article 56 Notifications
  • Article 57 Identification of beneficial owners for legal entities similar to express trust
  • Article 58 Identification of beneficial owners for express trusts and similar legal arrangements
  • Article 59 Identification of a class of beneficiaries
  • Article 60 Identification of objects of a power and default takers in discretionary trusts
  • Article 61 Identification of beneficial owners of collective investment undertakings
  • Article 62 Beneficial ownership information
  • Article 63 Obligations of legal entities
  • Article 64 Trustee obligations
  • Article 65 Exceptions to obligations of legal entities and legal arrangements
  • Article 66 Nominee obligations
  • Article 67 Foreign legal entities and foreign legal arrangements
  • Article 68 Penalties
CHAPTER V REPORTING OBLIGATIONS
⊞ ▼
  • Article 69 Reporting of suspicions
  • Article 70 Specific provisions for reporting of suspicions by certain categories of obliged entities
  • Article 71 Refraining from carrying out transactions
  • Article 72 Disclosure to FIU
  • Article 73 Prohibition of disclosure
  • Article 74 Threshold-based reports of transactions in certain high-value goods
CHAPTER VI INFORMATION SHARING
⊞ ▼
  • Article 75 Exchange of information in the framework of partnerships for information sharing
CHAPTER VII DATA PROTECTION AND RECORD RETENTION
⊞ ▼
  • Article 76 Processing of personal data
  • Article 77 Record retention
  • Article 78 Provision of records to competent authorities
CHAPTER VIII MEASURES TO MITIGATE RISKS DERIVING FROM ANONYMOUS INSTRUMENTS
⊞ ▼
  • Article 79 Anonymous accounts and bearer shares and bearer share warrants
  • Article 80 Limits to large cash payments in exchange for goods or services
CHAPTER IX FINAL PROVISIONS
⊞ ▼
SECTION 1 — Cooperation between FIUs and the EPPO
⊞ ▼
  • Article 81 Cooperation between FIUs and the EPPO
  • Article 82 Requests for information to the EPPO
SECTION 2 — Cooperation between FIUs and OLAF
⊞ ▼
  • Article 83 Cooperation between FIUs and OLAF
  • Article 84 Requests for information to OLAF
SECTION 3 — Other provisions
⊞ ▼
  • Article 85 Exercise of the delegation
  • Article 86 Committee procedure
  • Article 87 Review
  • Article 88 Reports
  • Article 89 Relation to Directive (EU) 2015/849
  • Article 90 Entry into force and application
Annexes
▼
  • Annex I Indicative list of risk variables
  • Annex II Lower risk factors
  • Annex III Higher risk factors
  • Annex IV
  • Annex V
  • Annex VI
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