Regulatory Technical Standards
Guidelines
Final Report Guidelines restrictive measures
The Guidelines of the European Banking Authority specify the internal policies, procedures and controls financial institutions that are subject to regulation and supervision pursuant to Directive 2013/36/EU, Directive (EU) 2015/2366 and Directive 2009/110/EC should put in place in accordance with Article 74(1) of Directive 2013/36/EU, Article 11(4) of Directive (EU) 2015/2366 and Article 3(1) of Directive 2009/110/EC to ensure the effective implementation of Union and national restrictive measures.
Travel Rule Guidelines
The Guidelines of the European Banking Authority a) set out the factors that payment service providers, intermediary payment service providers, crypto-asset service providers, and intermediary crypto-asset service providers should consider when establishing procedures to detect and manage transfers of funds and crypto-assets lacking the required information on the payer/originator and/or the payee/beneficiary, and to ensure that these procedures are effective; b) specify what these providers should do to manage the risk of money laundering or terrorist financing where the required information on the payer, originator, payee or beneficiary is missing or incomplete, and c) specify technical aspects of the application of Regulation (EU) 2023/1113 to direct debits.
Guidelines on policies and procedures in relation to compliance management and the role and responsibilities of the AML/CFT Compliance Officer under Article 8 and Chapter VI of Directive (EU) 2015/849
The Guidelines of the European Banking Authority specify the role, tasks and responsibilities of the AML/CFT compliance officer, the management body and senior manager in charge of AML/CFT compliance.
Guidelines on the use of Remote Customer Onboarding Solutions
The Guidelines of the European Banking Authority set out the measures credit and financial institutions should take to ensure safe and effective remote customer onboarding practices in line with applicable anti-money laundering and countering the financing of terrorism (AML/CFT) legislation and the EU’s data protection framework.
Risk Factors Guidelines
Guidelines of the European Banking Authority under Articles 17 and 18(4) of Directive (EU) 2015/849 on customer due diligence and the factors credit and financial institutions should consider when assessing the money laundering and terrorist financing risk associated with individual business relationships and occasional transactions (“The ML/TF Risk Factors Guidelines”), repealing and replacing Guidelines JC/2017/37
Final Amending Guidelines on MLTF Risk Factors
Guidelines of the European Banking Authority amending Guidelines EBA/2021/02 on customer due diligence and the factors credit and financial institutions should consider when assessing the money laundering and terrorist financing risk associated with individual business relationships and occasional transactions (‘The ML/TF Risk Factors Guidelines’) under Articles 17 and 18(4) of Directive (EU) 2015/849
Guidelines on cooperation and information exchange for the purpose of Directive (EU) 2015/849 between competent authorities supervising credit and financial institutions - The AML/CFT Colleges Guidelines
The AML/CFT Colleges Guidelines of the European supervisory authorities set out the practical modalities of cooperation and information exchange between prudential and AML/CFT competent authorities for the purposes of AML/CFT supervision of credit and financial institutions both domestically and on a cross-border basis.
Guidelines on MLTF risk management and access to financial services
The Guidelines of the European Banking Authority complement the Guidelines on ML/TF risk factors and specify further the policies, procedures and controls credit and financial institutions should have in place to mitigate and effectively manage ML/TF risks, including measures with respect to the provision of a basic payment account.
EBA Final Report on GL on RBA AML CFT
Guidelines of the European Banking Authority on the characteristics of a risk‐based approach to anti‐ money laundering and terrorist financing supervision, and the steps to be taken when conducting supervision on a risk‐sensitive basis under Article 48(10) of Directive (EU) 2015/849 (amending the Joint Guidelines ESAs 2016 72).
Opinions
Opinion of the European Banking Authority on money laundering and terrorist financing risks affecting the EU’s financial sector
EBA Opinion and annexed report on de-risking
Opinion of the European Banking Authority on the risks of money laundering and terrorist financing affecting the European Union’s financial sector-3.3.2021
Opinion of the European Banking Authority on the interplay between the EU Anti-Money Laundering Directive and the EU Deposit Guarantee Schemes Directive-11.12.2020
Opinion of the European Banking Authority on how to take into account ML/TF risks in the Supervisory Review and Evaluation Process (SREP)
Opinion of the European Banking Authority on the future AML/CFT framework in the EU
Opinion of the European Banking Authority on communications to supervised entities regarding money laundering and terrorist financing risks in prudential supervision
Joint Opinion of the European Supervisory Authorities on the risks of money laundering and terrorist financing affecting the European Union’s financial sector- 4.10.2019
Opinion of the European Banking Authority on the nature of passport notifications regarding agents and distributors under Directive (EU) 2015/2366 (PSD2), Directive 2009/110/EC (EMD2) and Directive (EU) 2015/849 (AMLD)
Opinion of the European Supervisory Authorities on the use of innovative solutions by credit and financial institutions in the customer due diligence process
Opinion of the European Banking Authority on money laundering and terrorist financing risks affecting the EU’s financial sector
Opinion of the European Banking Authority on the application of customer due diligence measures to customers who are asylum seekers from higher-risk third countries or territories