AMLA / AMLR monitoring
in a single inbox.
The EU's AML package — Regulation (EU) 2024/1620 establishing the Authority for Anti-Money Laundering (AMLA, seated in Frankfurt), Regulation (EU) 2024/1624 (the AMLR — the single rulebook for obliged entities), and Directive (EU) 2024/1640 (AMLD6) — is in build-up. AMLA must submit the first draft RTS implementing the AMLR to the Commission by 10 July 2026; the AMLR + AMLD6 become applicable to obliged entities on 10 July 2027; AMLA direct supervision of selected high-risk firms — an estimated ~40 of the most cross-border, highest-risk financial entities, a group that crypto-asset service providers (CASPs) can expressly fall into — starts in 2028. Horizon Scanner watches every consultation, draft RTS, supervisory expectation and Member-State transposition act.
Scope
What AMLA / AMLR covers — and what we crawl for it.
AMLA Regulation (Reg. (EU) 2024/1620)
The authority itself — governance, mandate, direct- and indirect-supervisory model, selection criteria for direct supervision. RTS deadlines, work programme, supervisory convergence outputs.
AMLR — single rulebook (Reg. (EU) 2024/1624)
The horizontal obligations: customer due diligence, beneficial-ownership transparency, internal controls, reporting of suspicious transactions, sectoral specificities. Applies from 10 July 2027.
AMLD6 — Member-State transposition (Dir. (EU) 2024/1640)
FIU powers, supervisory structures at national level, beneficial-ownership-register interconnection, sanctions for breaches. National transpositions tracked per Member State.
Obliged-entity scope incl. CASPs
AMLR Article 3 lists obliged entities. CASPs are explicitly included from the date of application. Insurance undertakings and intermediaries operating life and certain non-life lines remain obliged entities. The scope cross-references MiCA and the IDD respectively.
AMLA Level-2 RTS pipeline
AMLA must draft technical standards on CDD methodology, supervisory practices, peer-review processes, harmonised sanctions, and selection-criteria for direct supervision. Each draft consultation is surfaced; the Commission adoption + Council/Parliament objection windows are tracked.
Cross-cuts with TFR, MiCA, sanctions regimes
TFR (Reg. 2023/1113) provides the crypto-transfer data-rules that feed the AML framework. MiCA Art. 31 governance cross-refers AML obligations. EU sanctions packages (Council Regulations under CFSP) trigger screening obligations under AMLR. We tag findings against all relevant frameworks once.
How Horizon Scanner helps
Specifically for AMLA / AMLR teams.
- 01
Filtered by obliged-entity type
Configure your obliged-entity classification (CASP, credit institution, life insurer, intermediary, etc.). The AMLR has sectoral provisions — your inbox only sees the items that apply to your type.
- 02
Tracks the build-up calendar
RTS deadlines (draft by 10 July 2026), application date (10 July 2027), direct-supervision selection (2028). Each milestone is a tracked-event in the routing engine, with reminders to your AML lead.
- 03
Routes to AML, Compliance and FIU-liaison
Default routing: CDD-RTS to the AML lead, beneficial-ownership-register updates to the KYC team, FIU-reporting changes to the suspicious-transaction-report officer, sanctions-screening to the compliance desk.
- 04
Inspection-ready audit trail
Every action — fetch, score, route, acknowledge, escalate — is recorded immutably with timestamp and actor. 5-year retention is the default. When AMLA peer-reviews or your national FIU follows up, you have the evidence trail in CSV/JSON.
Sources monitored
The regulators we crawl for AMLA / AMLR.
- EUR-LexReg. (EU) 2024/1620 (AMLA), Reg. (EU) 2024/1624 (AMLR), Dir. (EU) 2024/1640 (AMLD6) plus all amending acts.
- AMLAWork programme, draft RTS consultations, supervisory convergence outputs, peer-review reports, selected-obliged-entity announcements.
- EBAUntil AMLA reaches full operational capacity, EBA continues to chair AML guidelines work and joint-Authority opinions. Joint Q&A under the three-ESA framework.
- CommissionDelegated and implementing acts under AMLR/AMLD6, Member-State infringement notices, EU sanctions packages affecting AML screening.
- BaFinAMLA seated in Frankfurt — BaFin GwG (Geldwäschegesetz) circulars, hosts national-level coordination with AMLA. Auslegungs- und Anwendungshinweise zur GwG.
- FIU (national)National Financial Intelligence Units publish typologies, reporting-form changes, sectoral guidance — relevant for the operational SAR/STR processes that AMLR will harmonise.
- ESMACross-references where AML obligations intersect with markets regulation (MiCA, MiFID II) — particularly CASP authorisation and TFR-compliance evidence.
- EIOPAAML guidance for insurance undertakings and intermediaries, life-insurance ML-typologies, IDD-AML cross-references.
Custom sources can be added in minutes — supervisory blog feeds, association circulars, internal counsel memos all route through the same engine.
FAQ
What AMLA / AMLR buyers ask first.
Will my firm be selected for AMLA direct supervision?
AMLA selects "selected obliged entities" based on cross-border activity, ML/TF risk profile and size. The first selection list is expected in 2027 ahead of supervision starting in 2028. We track AMLA's selection-criteria RTS (currently in draft) and surface the methodology so your AML lead can model your firm's likely classification.
How do you handle the gap between national transposition windows for AMLD6?
Each Member-State transposition act is monitored at source, tagged with both EU-level and national jurisdiction. Groups operating across multiple jurisdictions can either subscribe per subsidiary or aggregate. National gold-plating (where it occurs) is surfaced as a separate severity tag.
Do you cover the EU consolidated sanctions list?
Yes. EU Council adoption of new sanctions packages (Council Regulations under CFSP) is surfaced same-day, including the OFSI/OFAC cross-reference table where the EU package corresponds to UK/US designations. Sanctions are tagged under AMLR screening obligations and routed to compliance.
How does AMLR overlap with the TFR for crypto transfers?
TFR is the dedicated regulation for crypto-asset transfers (data fields, self-hosted-wallet thresholds, message-set standards). AMLR is the horizontal obliged-entity framework (CDD, BO-transparency, internal controls). For a CASP, both apply: TFR for transfer-payload rules, AMLR for the underlying obliged-entity programme. We tag dual-relevant findings once and route to AML without duplicates.