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
(Text with EEA relevance)
CHAPTER I
GENERAL PROVISIONS
SECTION 1
Subject matter, scope and definitions
Article 1
Subject matter
Article 2
Definitions
SECTION 2
National measures in sectors exposed to money laundering and terrorist financing
Article 3
Identification of exposed sectors at national level
Article 4
Requirements relating to certain service providers
Article 5
Requirements relating to the granting of residence rights in exchange for investment
Article 6
Checks on the senior management and beneficial owners of certain obliged entities
SECTION 3
Risk assessments
Article 7
Risk assessment at Union level
Article 8
National risk assessment
Article 9
Statistics
CHAPTER II
REGISTERS
SECTION 1
Central beneficial ownership registers
Article 10
Central beneficial ownership registers
Article 11
General rules regarding access to beneficial ownership registers by competent authorities, self-regulatory bodies and obliged entities
Article 12
Specific access rules to beneficial ownership registers for persons with legitimate interest
Article 13
Procedure for the verification and mutual recognition of a legitimate interest to access beneficial ownership information
Article 14
Templates and procedures
Article 15
Exceptions to the access rules to beneficial ownership registers
SECTION 2
Bank account information
Article 16
Bank account registers and electronic data retrieval systems
Article 17
Implementing acts for the interconnection of registers
SECTION 3
Single access point to real estate information
Article 18
Single access point to real estate information
CHAPTER III
FIUS
Article 19
Establishment of the FIU
Article 20
Fundamental Rights Officer
Article 21
Access to information
Article 22
Responses to requests for information
Article 23
Provision of information to supervisors
Article 24
Suspension or withholding of consent
Article 25
Instructions to monitor transactions or activities
Article 26
Alerts to obliged entities
Article 27
FIU annual report
Article 28
Feedback by FIU
Article 29
Cooperation between FIUs
Article 30
Protected channels of communication
Article 31
Exchange of information between FIUs
Article 32
Joint analyses
Article 33
Use by FIUs of information exchanged between them
Article 34
Consent to further dissemination of information exchanged between FIUs
Article 35
Effect of criminal law provisions
Article 36
Confidentiality of reporting
CHAPTER IV
ANTI-MONEY LAUNDERING SUPERVISION
SECTION 1
General provisions
Article 37
Powers and resources of national supervisors
Article 38
Supervision of forms of infrastructure of certain intermediaries operating under the freedom to provide services
Article 39
Provision of information to obliged entities
Article 40
Risk-based supervision
Article 41
Central contact points
Article 42
Disclosure to FIUs
Article 43
Provision of information to FIUs
Article 44
General principles regarding supervisory cooperation
Article 45
Provision of information on cross-border activities
Article 46
Provisions related to cooperation in the context of group supervision
Article 47
Supervisory cooperation regarding obliged entities carrying out cross-border activities
Article 48
Exchange of information in relation to implementation of group-wide policies in third countries
SECTION 2
Cooperation within AML/CFT supervisory colleges and with counterparts in third countries
Article 49
AML/CFT supervisory colleges in the financial sector
Article 50
AML/CFT supervisory colleges in the non-financial sector
Article 51
Cooperation with supervisors in third countries
SECTION 3
Specific provisions relating to self-regulatory bodies
Article 52
Oversight of self-regulatory bodies
SECTION 4
Pecuniary sanctions and administrative measures
Article 53
General provisions
Article 54
Supervisory measures towards establishments of obliged entities and certain activities carried out under the freedom to provide services
Article 55
Pecuniary sanctions
Article 56
Administrative measures
Article 57
Periodic penalty payments
Article 58
Publication of pecuniary sanctions, administrative measures and periodic penalty payments
Article 59
Exchange of information on pecuniary sanctions and administrative measures
SECTION 5
Reporting of breaches
Article 60
Reporting of breaches and protection of reporting persons
CHAPTER V
COOPERATION
SECTION 1
AML/CFT cooperation
Article 61
General provisions
Article 62
Communication of the list of the competent authorities
Article 63
Cooperation with AMLA
SECTION 2
Cooperation with other authorities and exchange of confidential information
Article 64
Cooperation in relation to credit institutions or financial institutions
Article 65
Cooperation in relation to auditors
Article 66
Cooperation with authorities in charge of implementing targeted financial sanctions
Article 67
Professional secrecy requirements
Article 68
Exchange of information among supervisors and with other authorities
SECTION 3
Guidelines on cooperation
Article 69
AML/CFT cooperation guidelines
CHAPTER VI
DATA PROTECTION
Article 70
Processing of certain categories of personal data
CHAPTER VII
FINAL PROVISIONS
Article 71
Exercise of the delegation
Article 72
Committee procedure
Article 73
Transitional management of FIU.net
Article 74
Amendments to Directive (EU) 2015/849
Article 75
Amendment to Directive (EU) 2019/1937
Article 76
Review
Article 77
Repeal
Article 78
Transposition
Article 79
Entry into force
Article 80
Addressees
ANNEX
Directive (EU) 2015/849 |
This Directive |
Regulation (EU) 2024/1624 |
Article 1(1) |
— |
— |
Article 1(2) |
— |
— |
Article 1(3) |
— |
Article 2(1), point (1) |
Article 1(4) |
— |
Article 2(1), point (1) |
Article 1(5) |
— |
Article 2(1), point (2) |
Article 1(6) |
— |
Article 2(1), points (1) and (2) |
Article 2(1) |
— |
Article 3 |
Article 2(2) |
— |
Article 4 |
Article 2(3) |
— |
Article 6(1) |
Article 2(4) |
— |
Article 6(2) |
Article 2(5) |
— |
Article 6(3) |
Article 2(6) |
— |
Article 6(4) |
Article 2(7) |
— |
Article 6(5) |
Article 2(8) |
— |
Article 7 |
Article 2(9) |
— |
Article 4(3) and Article 6(6) |
Article 3, point (1) |
— |
Article 2(1), point (5) |
Article 3, point (2) |
— |
Article 2(1), point (6) |
Article 3, point (3) |
— |
Article 2(1), point (4) |
Article 3, point (4) |
— |
Article 2(1), point (3) |
Article 3, point (5) |
— |
Article 2(1), point (47) |
Article 3, point (6) |
— |
Article 2(1), point (28) |
Article 3, point (6) (a) |
— |
Articles 51 to 55 |
Article 3, point (6) (b) |
— |
Article 58 |
Article 3, point (6) (c) |
— |
Article 57 |
Article 3, point (7) |
— |
Article 2(1), point (11) |
Article 3, point (8) |
— |
Article 2(1), point (22) |
Article 3, point (9) |
— |
Article 2(1), point (34) and Article 2(2) |
Article 3, point (10) |
— |
Article 2(1), point (35) and Article 2(5) |
Article 3, point (11) |
— |
Article 2(1), point (36) |
Article 3, point (12) |
— |
Article 2(1), point (40) |
Article 3, point (13) |
— |
Article 2(1), point (19) |
Article 3, point (14) |
— |
Article 2(1), point (12) |
Article 3, point (15) |
— |
Article 2(1), point (41) |
Article 3, point (16) |
— |
Article 2(1), point (17) |
Article 3, point (17) |
— |
Article 2(1), point (23) |
Article 3, point (18) |
— |
Article 2(1), point (7) |
Article 3, point (19) |
— |
— |
Article 4 |
Article 3 |
— |
Article 5 |
— |
— |
Article 6 |
Article 7 |
— |
Article 7 |
Article 8 |
— |
Article 8(1) |
— |
Article 10(1) |
Article 8(2) |
— |
Article 10(2) and (3) |
Article 8(3) |
— |
Article 9(1) |
Article 8(4) |
— |
Article 9(2) |
Article 8(5) |
— |
Article 9(2) and (3) |
Article 9 |
— |
Article 29 |
Article 10(1) |
— |
Article 79(1) |
Article 10(2) |
— |
Article 79(3) |
Article 11 |
— |
Article 19(1), (2) and (5) |
Article 12 |
— |
Article 19(7) and Article 79(2) |
Article 13(1) |
— |
Article 20(1) |
Article 13(2) |
— |
Article 20(2) |
Article 13(3) |
— |
Article 20(2) |
Article 13(4) |
— |
Article 20(4) |
Article 13(5) |
— |
Article 47 |
Article 13(6) |
— |
Article 22(4) |
Article 14(1) |
— |
Article 23(1) and (4) |
Article 14(2) |
— |
Article 23(2) |
Article 14(3) |
— |
Article 23(3) |
Article 14(4) |
— |
Article 21(1) and (2) |
Article 14(5) |
— |
Article 26(2) and (3) |
Article 15 |
— |
Article 20(2), second subparagraph and Article 33 |
Article 16 |
— |
Article 33(1) and (8) |
Article 17 |
— |
— |
Article 18(1) |
— |
Article 34(1) |
Article 18(2) |
— |
Article 34(2) |
Article 18(3) |
— |
Article 34(3) |
Article 18(4) |
— |
— |
Article 18a(1) |
— |
Article 29(4) |
Article 18a(2) |
— |
Article 29(5) and (6) and Article 35, point (a) |
Article 18a(3) |
— |
Article 29(5) and (6) and Article 35, point (b) |
Article 18a(4) |
— |
— |
Article 18a(5) |
— |
Article 29(6) |
Article 19 |
— |
Article 36 |
Article 20 |
— |
Article 9(2), Article 20(1) and Article 42(1) |
Article 20, point (a) |
— |
Article 9(2), point (a)(iii) and Article 20(1), point (g) |
Article 20, point (b) |
— |
Article 42(1) |
Article 20a |
— |
Article 43 |
Article 21 |
— |
Article 44 |
Article 22 |
— |
Article 45 |
Article 23 |
— |
Article 46 |
Article 24 |
— |
Article 39 |
Article 25 |
— |
Article 48(1) |
Article 26 |
— |
Article 48 |
Article 27 |
— |
Article 49 |
Article 28 |
— |
Article 48(3) |
Article 29 |
— |
— |
Article 30(1) |
— |
Article 63(1), (2), second subparagraph and (4) and Article 68 |
Article 30(2) |
— |
Article 63(5) |
Article 30(3) |
Article 10(1) |
— |
Article 30(4) |
Article 10(7) and (10) |
Article 24 |
Article 30(5), first subparagraph |
Article 11 and Article 12(2) |
— |
Article 30(5), second subparagraph |
Article 12(1) |
— |
Article 30(5), third subparagraph |
— |
— |
Article 30(5a) |
Article 11(4) and Article 13(12) |
— |
Article 30(6) |
Article 11(1), (2) and (3) |
— |
Article 30(7) |
Article 61(2) |
— |
Article 30(8) |
— |
Article 22(7) |
Article 30(9) |
Article 15 |
— |
Article 30(10) |
Article 10(19) and (20) |
— |
Article 31(1) |
— |
Articles 58, Article 64(1) and Article 68 |
Article 31(2) |
— |
Article 64(3) |
Article 31(3) |
— |
Article 64(5) |
Article 31(3a) |
Article 10(1), (2) and (3) |
Article 67 |
Article 31(4), first subparagraph |
Article 11 and Article 12(2) |
— |
Article 31(4), second subparagraph |
Article 12(1) |
— |
Article 31(4), third subparagraph |
— |
— |
Article 31(4), fourth subparagraph |
Article 11(2) |
— |
Article 31(4a) |
Article 11(4) and Article 13(12) |
— |
Article 31(5) |
Article 10(7) and (10) |
Article 24 |
Article 31(6) |
— |
Article 22(7) |
Article 31(7) |
Article 61(2) |
— |
Article 31(7a) |
Article 15 |
— |
Article 31(9) |
Article 10(19) and (20) |
— |
Article 31(10) |
— |
Article 58(4) |
Article 31a |
Article 17(1) |
— |
Article 32(1) |
Article 19(1) |
— |
Article 32(2) |
Article 62(1) |
— |
Article 32(3) |
Article 19(2), (3), first subparagraph, (4) and (5) |
— |
Article 32(4) |
Articles 21(1) and Article 22(1), first subparagraph |
— |
Article 32(5) |
Article 22(1), second subparagraph |
— |
Article 32(6) |
Article 22(2) |
— |
Article 32(7) |
Article 24(1) |
— |
Article 32(8) |
Article 19(3), second subparagraph |
— |
Article 32(9) |
Article 21(4) |
— |
Article 32a(1) |
Article 16(1) |
— |
Article 32a(2) |
Article 16(2) |
— |
Article 32a(3) |
Article 16(3) |
— |
Article 32a(4) |
Article 16(5) |
— |
Article 32b |
Article 18 |
— |
Article 33(1) |
— |
Article 69(1) |
Article 33(2) |
— |
Article 69(6) |
Article 34(1) |
— |
Article 70(1) |
Article 34(2) |
— |
Article 70(2) |
Article 34(3) |
Article 40(5) |
— |
Article 35 |
— |
Article 71 |
Article 36 |
Article 42 |
— |
Article 37 |
— |
Article 72 |
Article 38 |
Article 60 |
Article 11(2), fourth subparagraph, and (4), Article 14 and Article 69(7) |
Article 39 |
— |
Article 73 |
Article 40 |
— |
Article 77 |
Article 41 |
Article 70 |
Article 76 |
Article 42 |
— |
Article 78 |
Article 43 |
— |
— |
Article 44(1) |
Article 9(1) |
— |
Article 44(2) |
Article 9(2) |
— |
Article 44(3) |
— |
— |
Article 44(4) |
Article 9(3) and (6) |
— |
Article 45(1) |
— |
Article 16(1) |
Article 45(2) |
— |
Article 8(3), (4) and (5) |
Article 45(3) |
— |
Article 17(1) |
Article 45(4) |
Article 48 |
— |
Article 45(5) |
— |
Article 17(2) |
Article 45(6) |
— |
Article 17(3) |
Article 45(7) |
— |
Article 17(4) |
Article 45(8) |
— |
Article 16(3) |
Article 45(9) |
Article 41(1) |
— |
Article 45(10) |
Article 41(2) |
— |
Article 45(11) |
Article 41(3) |
— |
Article 46(1) |
— |
Articles 12 and 15 |
Article 46(2) |
Article 39(2) |
— |
Article 46(3) |
Article 28(1) |
— |
Article 46(4) |
— |
Article 11(1) |
Article 47(1) |
Article 4(1) and (2) |
— |
Article 47(2) |
Article 6(1) |
— |
Article 47(3) |
Article 6(2) |
— |
Article 48(1) |
Article 37(1) |
— |
Article 48(1a) |
Article 37(5) and Article 62(1) |
— |
Article 48(2) |
Article 37(2) and (6) |
— |
Article 48(3) |
Article 37(7) |
— |
Article 48(4) |
Article 37(1), first subparagraph, Article 46 and Article 54(4) |
— |
Article 48(5) |
Article 46(2) and (3) and Article 47 |
— |
Article 48(6) |
Article 40(1) |
— |
Article 48(7) |
Article 40(2) |
— |
Article 48(8) |
Article 40(4) |
— |
Article 48(9) |
Article 37(3) |
— |
Article 48(10) |
Article 40(3) |
— |
Article 49 |
Article 61(1) |
— |
Article 50 |
Article 63 |
— |
Article 50a |
Article 61(3) |
— |
Article 51 |
— |
— |
Article 52 |
Article 29 |
— |
Article 53 |
Article 31 |
— |
Article 54 |
Article 33 |
— |
Article 55 |
Article 34 |
— |
Article 56 |
Article 30(2) and (3) |
— |
Article 57 |
Article 35 |
— |
Article 57a(1) |
Article 67(1) |
— |
Article 57a(2) |
Article 67(2) |
— |
Article 57a(3) |
Article 67(3) |
— |
Article 57a(4) |
Article 44, Article 46(1) and Article 47(1) |
— |
Article 57a(5) |
Article 51 |
— |
Article 57b |
Article 68 |
— |
Article 58(1) |
Article 53(1) |
— |
Article 58(2) |
Article 53(2) and (3) |
— |
Article 58(3) |
Article 53(4) |
— |
Article 58(4) |
— |
— |
Article 58(5) |
Article 53(5) |
— |
Article 59(1) |
Article 55(1) |
— |
Article 59(2) |
Article 55(2) and Article 56(2) and (3) |
— |
Article 59(3) |
Article 55(3) |
— |
Article 59(4) |
Article 55(4) |
— |
Article 60(1) |
Article 58(1), (2), first subparagraph and (3) |
— |
Article 60(2) |
Article 58(2), third subparagraph |
— |
Article 60(3) |
Article 58(4) |
— |
Article 60(4) |
Article 53(6) |
— |
Article 60(5) |
Article 53(7) |
— |
Article 60(6) |
Article 53(8) |
— |
Article 61 |
Article 60 |
— |
Article 62(1) |
Article 59(1) |
— |
Article 62(2) |
Article 6(6) |
— |
Article 62(3) |
Article 59(2) |
— |
Article 63 |
— |
— |
Article 64 |
— |
Article 85 |
Article 64a |
Article 72 |
Article 86 |
Article 65 |
— |
— |
Article 66 |
— |
— |
Article 67 |
— |
— |
Article 68 |
— |
— |
Article 69 |
— |
— |
Annex I |
— |
Annex I |
Annex II |
— |
Annex II |
Annex III |
— |
Annex III |
Annex IV |
— |
— |