EU AML Framework 2025 -

EU AML Framework 2025

Anti-Financial Crime

The European Union will implement a transformative AML framework in July 2025, taking a significant step in the fight against money laundering and terrorist financing. This new package, already adopted in 2024 in response to persistent vulnerabilities in the financial system and the complexity of cross-border risks, offers an ambitious overhaul of the regulatory landscape.

The pillars of the EU AML Framework

At the heart of this package are several important regulations and directives aimed at harmonizing standards across Member States and increasing the EU’s resilience to financial crime:

AMLD6: Directive (EU) 2024/1640 sets out mechanisms for Member States to prevent the abuse of financial systems, while amending and repealing previous directives to streamline regulations.

AMLR: Regulation (EU) 2024/1624 introduces comprehensive measures to prevent money laundering and terrorist financing.

AMLAR: Regulation (EU) 2024/1620 establishes the Anti-Money Laundering and Terrorist Financing Authority, which improves enforcement and coordination between jurisdictions.

WTR: Regulation (EU) 2023/1113 requires the inclusion of detailed information in transfers of funds, including crypto-assets, to improve transparency and traceability.

Key objectives of the EU AML Framework

The new framework contains strategic objectives:

Harmonizing rules across EU member states, aiming to eliminate regulatory differences and ensure a level playing field for companies and institutions.
Increasing transparency by seting out strict requirements for beneficial ownership reporting, fund traceability and crypto-asset disclosure.
By emphasizing a risk-based methodology, the framework enables tailored responses to new threats and evolving financial landscapes.

AMLD6

The Sixth Anti-Money Laundering Directive, which entered into force on July 10, 2024 and is to apply from July 10, 2025, creates a solid framework for member states to combat money laundering and terrorist financing. Although it still needs to be transposed into national law, its provisions will have a significant impact on the way obliged companies and institutions across the EU operate. It is part of the new EU AML Framework.

Date of entry into force: 10 July 2024
Date of application: 10 July 2025
Start of UBO register: 10 July 2026

The 6th Directive on AML/CFT

Transposition in national law is required; deadline is 10 July 2027 for most of the provisions
Contains provisions regarding national registers: UBO, bank account and real estate registers
Details the powers of national FIUs to receive and analyze STRs/SARs
Arranges the powers of national AML/CFT supervisors

AMLR

The Anti-Money Laundering Regulation (EU) 2024/1624 (AMLR) is a single rulebook, a cornerstone of the EU's ambitious AML framework. Unlike directives, the AMLR is directly applicable as of 10 July 2027 in all Member States without the need for national transposition, ensuring a coherent and harmonized approach to combating money laundering and terrorist financing.

Date of entry into force: 10 July 2024
Date of application: 10 July 2025

The AML Single Rulebook

Direct applicability as of 10 July 2027 (limited exceptions); no transposition through national legislation required
Determines the scope of the AML/CTF policy in the EU
Strengthens and harmonizes the EU’s AML/CFT material requirements, e.g. on CDD, PEP, UBO, reporting, record keeping, outsourcing, information sharing, etc.

AMLAR

Will be published on Tuesday, Jan 21st

WTR

Will be published on Thursday, Jan 23rd