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The AMF invites financial market participants to AMLA’s consultations on three draft AML/CFT implementing standards

AI Analysis

Executive Summary

The AMF is urging financial market participants, especially in asset management and related sectors, to engage in AMLA's public consultations on three draft Regulatory Technical Standards (RTS) under the new EU AML/CFT package, covering customer due diligence (CDD), identification of business relationships/transactions, and enforcement measures. These RTS aim to provide harmonized, proportionate implementation guidance, significantly impacting CDD processes and supervisory consistency across the EU, with underlying rules applying from 10 July 2027.[Source URL: https://www.amf-france.org/en/news-publications/news/amf-invites-financial-market-participants-amlas-consultations-three-draft-amlcft-implementing#xts=607212&xtor=RSS-11&type=RSS] #

What Changed

- CDD RTS: Builds on EBA's prior draft with AMLA refinements for legal clarity, proportionality, and risk adaptation; specifies information/sources for identity verification of natural persons/legal entities, remote onboarding measures, business relationship purpose/nature identification, politically exposed persons (PEPs) measures, sectoral measures (e.g., for asset managers under Article 17 where units/shares are distributed via intermediaries), enhanced due diligence additions, and sanctions checks.[Source URL: https://www.amf-france.org/en/news-publications/news/amf-invites-financial-market-participants-amlas-consultations-three-draft-amlcft-implementing#xts=607212&xtor=RSS-11&type=RSS] - Business Relationships/Occasional/Linked Transactions RTS: Defines criteria under AMLR Article 19(

What You Need To Do

  • Participate in consultations
  • Gap analysis and preparation
  • Engage hearings
  • Monitor post-consultation

Key Dates

9 February 2026 - Consultations opened by AMLA on three draft RTS.[Source URL: https://www.amf-france.org/en/news-publications/news/amf-invites-financial-market-participants-amlas-consultations-three-draft-amlcft-implementing#xts=607212&xtor=RSS-11&type=RSS]
24 March 2026 - Online public hearing on CDD and business relationships RTS.
9 March 2026 - Consultation closes on RTS for pecuniary sanctions/administrative measures.
8 May 2026 - Consultations close on CDD RTS and business relationships/linked transactions RTS.[Source URL: https://www.amf-france.org/en/news-publications/news/amf-invites-financial-market-participants-amlas-consultations-three-draft-amlcft-implementing#xts=607212&xtor=RSS-11&type=RSS]
10 July 2026 - AMLA submits final draft RTS to European Commission for adoption.
10 July 2027 - AMLR underlying requirements apply, requiring updates to AML/CFT policies, procedures, systems, and controls.

Compliance Impact

Urgency: High - These RTS operationalize core AMLR/AMLD6 mandates with July 2027 applicability, demanding immediate consultation input to influence final rules and 18-month lead time for system/process overhauls (e.g., CDD verification sources, harmonized transaction linking). Failure to engage risks non-compliant frameworks amid AMLA's push for EU-wide consistency, elevated direct supervision ris

Who is Affected

Primarily collective investment management companies, financial investment advisors, crowdfunding service providers (soon fully obliged), and crypto-asset service providers.[Source URL: https://www.amf-france.org/en/news-publications/news/amf-invites-financial-market-participants-amlas-consultations-three-draft-amlcft-implementing#xts=607212&xtor=RSS-11&type=RSS]Broader scope: All EU financial (credit/financial institutions) and non-financial obliged entities under AMLR/AMLD6, with universal criteria in enforcement RTS.

Summary

Anti-money Laundering Asset management The AMF invites financial market participants to AMLA’s consultations on three draft AML/CFT implementing standards

Relevant Firm Types

Asset ManagerCrypto ExchangeAll Firms
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