Regulation (EU) 2024/1624 of the European Parliament and of the Council of 31 May... (32024R1624)
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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 (Text with EEA relevance)
- 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
- (Text with EEA relevance)
- 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
- 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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