{"id":5103,"date":"2022-08-31T10:32:27","date_gmt":"2022-08-31T08:32:27","guid":{"rendered":"https:\/\/arcad.lu\/?p=5103"},"modified":"2022-11-25T14:35:28","modified_gmt":"2022-11-25T13:35:28","slug":"loi-anti-blanchiment","status":"publish","type":"post","link":"https:\/\/arcad.lu\/en\/loi-anti-blanchiment\/","title":{"rendered":"Modification de la loi anti-blanchiment"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"5103\" class=\"elementor elementor-5103\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6def48f6 elementor-section-height-min-height elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-items-middle\" data-id=\"6def48f6\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t\t<div class=\"elementor-background-overlay\"><\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-27e5314f\" data-id=\"27e5314f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2e224d70 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"2e224d70\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c9ebd3d elementor-widget elementor-widget-heading\" data-id=\"1c9ebd3d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Loi du 29 juillet 2022 modifiant la loi du 12 novembre 2004<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-2e1da521 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"2e1da521\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3ba67c11\" data-id=\"3ba67c11\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-73f13adf elementor-align-center elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"73f13adf\" data-element_type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"far fa-calendar-check\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">12 ao\u00fbt 2022 : Entr\u00e9e en vigueur de la loi du 29 juillet 2022 modifiant la loi anti-blanchiment<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-19bc70cc elementor-widget elementor-widget-spacer\" data-id=\"19bc70cc\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35aabc16 elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"35aabc16\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1280\" height=\"567\" src=\"https:\/\/arcad.lu\/wp-content\/uploads\/2022\/04\/Image-cooperation-blanchiment.jpg\" class=\"attachment-full size-full wp-image-5113\" alt=\"\" srcset=\"https:\/\/arcad.lu\/wp-content\/uploads\/2022\/04\/Image-cooperation-blanchiment.jpg 1280w, https:\/\/arcad.lu\/wp-content\/uploads\/2022\/04\/Image-cooperation-blanchiment-300x133.jpg 300w, https:\/\/arcad.lu\/wp-content\/uploads\/2022\/04\/Image-cooperation-blanchiment-1024x454.jpg 1024w, https:\/\/arcad.lu\/wp-content\/uploads\/2022\/04\/Image-cooperation-blanchiment-768x340.jpg 768w, https:\/\/arcad.lu\/wp-content\/uploads\/2022\/04\/Image-cooperation-blanchiment-18x8.jpg 18w\" sizes=\"(max-width: 1280px) 100vw, 1280px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d8d43af elementor-widget elementor-widget-spacer\" data-id=\"d8d43af\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f304ca9 elementor-widget elementor-widget-text-editor\" data-id=\"f304ca9\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>La loi du 29 juillet 2022 apporte plusieurs modifications \u00e0 la loi du 12 novembre 2004 (loi anti-blanchiment).<\/p><p>L\u2019objectif est d\u2019assurer une coh\u00e9rence entre les textes luxembourgeois et les normes internationales portant sur l\u2019entraide p\u00e9nale internationale et la lutte contre le blanchiment de capitaux et le financement du terrorisme (LBC\/FT).<\/p><p>La loi du 29 juillet 2022 modifie \u00e9galement la loi du 10 juillet 2020 (instituant un registre des fiducies &amp; des trusts), le code de proc\u00e9dure p\u00e9nale et la loi du 8 ao\u00fbt 2000 (relative \u00e0 l&rsquo;entraide judiciaire en mati\u00e8re p\u00e9nale).<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e4b71b1 elementor-widget elementor-widget-spacer\" data-id=\"e4b71b1\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a228e31 elementor-widget elementor-widget-heading\" data-id=\"a228e31\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">1. Modifications apport\u00e9es \u00e0 la loi anti-blanchiment<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d0394cb elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"6d0394cb\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9c5583c elementor-widget elementor-widget-heading\" data-id=\"9c5583c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.1\tModification de l\u2019article 1 (8) de la loi modifi\u00e9e du 12 novembre 2004<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4a1c4829 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"4a1c4829\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3e5c1fca elementor-widget elementor-widget-text-editor\" data-id=\"3e5c1fca\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pr\u00e9cisions apport\u00e9es \u00e0 la d\u00e9finition de \u00ab\u00a0Prestataire de services aux soci\u00e9t\u00e9s et fiducies\u00a0\u00bb de l\u2019article 1 (8) de la loi modifi\u00e9e du 12 novembre 2004\u00a0:<\/p><ul><li><strong>Remplacement<\/strong> du terme <strong>\u00ab\u00a0\u00e0 titre professionnel\u00a0\u00bb<\/strong> par <strong>\u00ab\u00a0au titre d\u2019une relation d\u2019affaires\u00a0\u00bb\u00a0<\/strong>;<\/li><li><strong>Ajout<\/strong> des termes <strong>\u00ab\u00a0g\u00e9rant, administrateur, membre du directoire\u00a0\u00bb<\/strong> vis\u00e9s par le terme anglais \u00ab\u00a0director\u00a0\u00bb utilis\u00e9 dans la Directive (UE) 2015\/849\u00a0;<\/li><li><strong>Clarification<\/strong> de l\u2019article 1 (8) de la loi du 12 novembre 2004 avec le terme <strong>\u00ab\u00a0le cas \u00e9ch\u00e9ant\u00a0\u00bb<\/strong> conform\u00e9ment \u00e0 la recommandation 22 du GAFI.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f66153d elementor-widget elementor-widget-text-editor\" data-id=\"f66153d\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Article 1 (8) de la loi coordonn\u00e9e du 12 novembre 2004 :<\/em><\/p><p><em>Par \u00ab prestataire de services aux soci\u00e9t\u00e9s et fiducies \u00bb [\u2026] est d\u00e9sign\u00e9e toute personne physique ou morale qui fournit <strong><u>au titre d\u2019une relation d\u2019affaires<\/u><\/strong>, l\u2019un des services suivants\u00a0: \u00a0<\/em><\/p><p><em>a) constitution des soci\u00e9t\u00e9s ou d\u2019autres personnes morales ;<br \/><\/em><em>b) occupation de la fonction de directeur, <strong><u>g\u00e9rant, administrateur, membre du directoire<\/u><\/strong> ou secr\u00e9taire d&rsquo;une soci\u00e9t\u00e9, d&rsquo;associ\u00e9 d&rsquo;une soci\u00e9t\u00e9 de personnes ou une fonction similaire \u00e0 l&rsquo;\u00e9gard d&rsquo;autres types de personnes morales, ou faire en sorte qu&rsquo;une autre personne occupe une telle fonction ;<br \/><\/em><em>c) fournir un si\u00e8ge statutaire, une adresse commerciale, administrative ou postale ou des locaux professionnels et, <strong><u>le cas \u00e9ch\u00e9ant<\/u><\/strong>, tout autre service li\u00e9 \u00e0 une soci\u00e9t\u00e9, \u00e0 une soci\u00e9t\u00e9 de personnes, \u00e0 toute autre personne morale ou \u00e0 toute autre construction juridique similaire ;<br \/><\/em><em>d) occuper la fonction de fiduciaire dans une fiducie, la fonction de trustee dans un trust expr\u00e8s ou une fonction \u00e9quivalente dans une construction juridique similaire, ou faire en sorte qu\u2019une autre personne occupe une telle fonction ;<br \/><\/em><em>e) faire office d\u2019actionnaire pour le compte d\u2019une autre personne (&#8230;) ou faire en sorte qu\u2019une autre personne occupe une telle fonction.<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-46b416b0 elementor-widget elementor-widget-spacer\" data-id=\"46b416b0\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a7ff748 elementor-widget elementor-widget-heading\" data-id=\"a7ff748\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.2\tModification de l\u2019article 2 (1) de la loi modifi\u00e9e du 12 novembre 2004<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-30f761a elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"30f761a\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bedfef8 elementor-widget elementor-widget-text-editor\" data-id=\"bedfef8\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pr\u00e9cisions apport\u00e9es au champ d\u2019application de l\u2019article 2 (1) de la loi modifi\u00e9e du 12 novembre 2004\u00a0:<\/p><ul><li><strong>Extension <\/strong>du champ d\u2019application relatif aux activit\u00e9s des avocats qui <strong>\u00ab\u00a0agissent en tant que d\u00e9positaires d\u2019actions au porteur\u00a0\u00bb\u00a0;<\/strong><\/li><li><strong>Remplacement<\/strong> du terme <strong>\u00ab \u00e0 titre professionnel\u00a0\u00bb<\/strong> par <strong>\u00ab\u00a0au titre d\u2019une relation d\u2019affaires\u00a0\u00bb.<\/strong><\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1916788 elementor-widget elementor-widget-text-editor\" data-id=\"1916788\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Article 2 (1) points 12, 13 &amp; 13 bis de la loi coordonn\u00e9e du 12 novembre 2004 :<\/em><\/p><p><em>Les avocats [\u2026] [font partie du champ d\u2019application], lorsqu\u2019ils :<\/em><\/p><p><em>a) assistent leur client dans la pr\u00e9paration ou la r\u00e9alisation de transactions concernant :<br \/><\/em><em>i. l\u2019achat et la vente de biens immeubles ou d\u2019entreprises commerciales,<br \/><\/em><em>ii. la gestion de fonds, de titres ou d\u2019autres actifs, appartenant au client,<br \/>iii. <\/em><em>l\u2019ouverture ou la gestion de comptes bancaires ou d\u2019\u00e9pargne ou de portefeuilles,<br \/>iv. <\/em><em>l\u2019organisation des apports n\u00e9cessaires \u00e0 la constitution, \u00e0 la gestion ou \u00e0 la direction de soci\u00e9t\u00e9s,<br \/>v. <\/em><em>la constitution, la domiciliation, la gestion ou la direction de fiducies, de soci\u00e9t\u00e9s ou de structures similaires,<br \/><\/em><em>b) ou agissent au nom de leur client et pour le compte de celui-ci dans toute transaction financi\u00e8re ou immobili\u00e8re ;<br \/><\/em><em>c) ou fournissent l\u2019un des services de prestataire de services aux soci\u00e9t\u00e9s et fiducies ;<br \/><\/em><em>d) ou exercent une activit\u00e9 de Family Office ;<br \/><\/em><em><strong><u>e) ou agissent en tant que d\u00e9positaires d\u2019actions au porteur<\/u><\/strong>.<\/em><\/p><p><em>13. les personnes [\u2026] qui [font partie du champ d\u2019application] :<\/em><br \/><em>a) exercent <strong><u>au titre d\u2019une relation d\u2019affaires<\/u><\/strong> au Luxembourg l\u2019activit\u00e9 de conseil fiscal ;<\/em><br \/><em>b) exercent <strong><u>au titre d\u2019une relation d\u2019affaires<\/u><\/strong> au Luxembourg l\u2019une des activit\u00e9s d\u00e9crites au point 12, lettres a) et b) ci-dessus; ou<\/em><br \/><em>c) s\u2019engagent \u00e0 fournir, directement ou par le truchement d\u2019autres personnes auxquelles elles sont li\u00e9es, une aide mat\u00e9rielle, une assistance ou des conseils en mati\u00e8re fiscale comme activit\u00e9 \u00e9conomique ou professionnelle principale ; <\/em><\/p><p><em>13 bis . les personnes autres [\u2026] <strong><u>au titre d\u2019une relation d\u2019affaires<\/u><\/strong> au Luxembourg l\u2019activit\u00e9 d\u2019un prestataire de services aux soci\u00e9t\u00e9s et fiducies.<br \/><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-494bb65a elementor-widget elementor-widget-spacer\" data-id=\"494bb65a\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c23f9ab elementor-widget elementor-widget-heading\" data-id=\"c23f9ab\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.3\tModification de l\u2019article 3 de la loi modifi\u00e9e du 12 novembre 2004<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3a7e7e9 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"3a7e7e9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dffed82 elementor-widget elementor-widget-text-editor\" data-id=\"dffed82\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pr\u00e9cisions apport\u00e9es aux obligations de vigilance \u00e0 l\u2019\u00e9gard de la client\u00e8le\u00a0:<\/p><ul><li><strong>Pr\u00e9cision<\/strong> portant sur l\u2019obligation d\u2019identification du client et du b\u00e9n\u00e9ficiaire effectif. L\u2019<strong>identification du client et du b\u00e9n\u00e9ficiaire effectif<\/strong> \u00e0 l\u2019aide de sources fiables et ind\u00e9pendantes (art. 3 (2) a) et b)) est <strong>ind\u00e9pendante de l\u2019appr\u00e9ciation des risques des professionnels\u00a0;<\/strong><\/li><li><strong>Pr\u00e9cision<\/strong> portant sur l\u2019obligation des professionnels de consulter le registre des b\u00e9n\u00e9ficiaires effectifs (RBE) ou le registre des fiducies ou des trusts (RFT) lors de la v\u00e9rification de l\u2019identit\u00e9 des b\u00e9n\u00e9ficiaires effectifs avant l\u2019entr\u00e9e en relation d\u2019affaires ou l\u2019ex\u00e9cution d\u2019une transaction;<\/li><li><strong>Suppression<\/strong> du terme <strong>\u00ab\u00a0ou les r\u00e9f\u00e9rences\u00a0\u00bb<\/strong> pour \u00e9viter une confusion quant aux obligations de conservation des documents, donn\u00e9es et informations.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bf9b78e elementor-widget elementor-widget-text-editor\" data-id=\"bf9b78e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Article 3 (2) bis de la loi coordonn\u00e9e du 12 novembre 2004 : <\/em><\/p><p><em>Les professionnels appliquent chacune des obligations de vigilance \u00e0 l\u2019\u00e9gard de la client\u00e8le [\u2026]. <strong><u>A l\u2019exception de l\u2019identification pr\u00e9vue \u00e0 l\u2019article 3, paragraphe (2), lettres a) et b), <\/u><\/strong>les professionnels d\u00e9terminent l\u2019\u00e9tendue de ces mesures en fonction de leur appr\u00e9ciation des risques li\u00e9s aux types de clients, aux pays ou zones g\u00e9ographiques et aux produits, services, transactions ou canaux de distribution particuliers. En toutes circonstances, les professionnels proc\u00e8dent \u00e0 l\u2019identification du client et du b\u00e9n\u00e9ficiaire effectif [\u2026]. <\/em><\/p><p><em>Article 3 (4) de la loi coordonn\u00e9e du 12 novembre 2004 :<\/em><\/p><p><em>La v\u00e9rification de l&rsquo;identit\u00e9 du client et du b\u00e9n\u00e9ficiaire effectif doit avoir lieu avant l&rsquo;\u00e9tablissement d&rsquo;une relation d&rsquo;affaires ou l&rsquo;ex\u00e9cution de la transaction. Lorsqu\u2019ils nouent une nouvelle relation d\u2019affaires avec une soci\u00e9t\u00e9 ou une autre entit\u00e9 juridique, une fiducie, un trust ou une construction juridique pr\u00e9sentant une structure ou des fonctions similaires \u00e0 celles d\u2019un trust pour lesquels des informations sur les b\u00e9n\u00e9ficiaires effectifs doivent \u00eatre enregistr\u00e9es [\u2026], les professionnels recueillent la preuve de l\u2019enregistrement ou un extrait du registre <strong><u>et comparent leurs informations \u00e0 celles des registres pour y d\u00e9celer soit d\u2019\u00e9ventuelles donn\u00e9es erron\u00e9es ou le d\u00e9faut de tout ou partie des donn\u00e9es soit le d\u00e9faut d\u2019une inscription, d\u2019une modification ou d\u2019une radiation. Les professionnels proc\u00e8dent de fa\u00e7on identique dans le cadre de l\u2019exercice de la vigilance constante de la relation d\u2019affaires<\/u><\/strong>. [\u2026] <\/em><\/p><p><em>Article 3 (6) a) de la loi coordonn\u00e9e du 12 novembre 2004<\/em><\/p><p><em>En ce qui concerne les mesures de vigilance \u00e0 l&rsquo;\u00e9gard du client, une copie <strong><span style=\"text-decoration: line-through;\"><u>ou les r\u00e9f\u00e9rences <\/u><\/span><\/strong>des documents, des donn\u00e9es et informations qui sont n\u00e9cessaires pour se conformer aux obligations de vigilance \u00e0 l&rsquo;\u00e9gard de la client\u00e8le[\u2026], y compris, le cas \u00e9ch\u00e9ant, les donn\u00e9es obtenues par l\u2019utilisation de moyens d\u2019identification \u00e9lectronique, des services de confiance pertinents [\u2026], ou tout autre processus d\u2019identification s\u00e9curis\u00e9, \u00e9lectronique ou \u00e0 distance, r\u00e9glement\u00e9, reconnu, approuv\u00e9 ou accept\u00e9 par les autorit\u00e9s nationales comp\u00e9tentes, les livres de comptes, la correspondance commerciale, ainsi que les r\u00e9sultats de toute analyse r\u00e9alis\u00e9e, pendant cinq ans apr\u00e8s la fin de la relation d&rsquo;affaires avec le client ou apr\u00e8s la date de la transaction conclue \u00e0 titre occasionnel [\u2026].<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-33b369a7 elementor-widget elementor-widget-spacer\" data-id=\"33b369a7\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0335fc7 elementor-widget elementor-widget-heading\" data-id=\"0335fc7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.4\tModification de l\u2019article 3-1 (1) de la loi modifi\u00e9e du 12 novembre 2004<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4bdd7d9 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"4bdd7d9\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ddf9a92 elementor-widget elementor-widget-text-editor\" data-id=\"ddf9a92\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pr\u00e9cision relative \u00e0 la prise en compte de <strong>l\u2019appr\u00e9ciation du risque<\/strong> du professionnel lors de l\u2019application de mesures de vigilance simplifi\u00e9es.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3418185 elementor-widget elementor-widget-text-editor\" data-id=\"3418185\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Article 3-1 (1) de la loi coordonn\u00e9e du 12 novembre 2004 : <\/em><\/p><p><em>Lorsque les professionnels identifient, <u>en fonction de leur appr\u00e9ciation du risque<\/u> un risque de blanchiment et de financement du terrorisme moins \u00e9lev\u00e9, ils peuvent appliquer des mesures simplifi\u00e9es de vigilance \u00e0 l\u2019\u00e9gard de la client\u00e8le. <\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-690f60b elementor-widget elementor-widget-spacer\" data-id=\"690f60b\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ca054b elementor-widget elementor-widget-heading\" data-id=\"9ca054b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.5\tModification de l\u2019article 3-2 (4) de la loi modifi\u00e9e du 12 novembre 2004<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed8c4ab elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"ed8c4ab\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d6f744 elementor-widget elementor-widget-text-editor\" data-id=\"6d6f744\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pr\u00e9cision apport\u00e9e \u00e0 l\u2019obligation renforc\u00e9e de vigilance \u00e0 l\u2019\u00e9gard de la client\u00e8le.<\/p><p>Les obligations de l\u2019article 3-2 (4) de la loi modifi\u00e9e du 12 novembre 2004 sont applicables lors de transactions ou relations d\u2019affaires avec des personnes politiquement expos\u00e9es <strong><u>qu\u2019elles soient client, personne pr\u00e9tendant agir au nom et pour le compte du client, ou b\u00e9n\u00e9ficiaire effectif. <\/u>\u00a0<\/strong>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a1c6bf7 elementor-widget elementor-widget-text-editor\" data-id=\"a1c6bf7\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Article 3-2 (4) de la loi coordonn\u00e9e du 12 novembre 2004<\/em><\/p><p><em>En ce qui concerne les transactions ou les relations d\u2019affaires avec des personnes politiquement expos\u00e9es, <strong><u>qu\u2019elles soient client, personne pr\u00e9tendant agir au nom et pour le compte du client, ou b\u00e9n\u00e9ficiaire effectif<\/u><\/strong>, les professionnels doivent, outre les mesures de vigilance \u00e0 l\u2019\u00e9gard de la client\u00e8le [\u2026].<\/em><\/p><p><em>a) disposer de syst\u00e8mes ad\u00e9quats de gestion des risques, y compris des proc\u00e9dures fond\u00e9es sur les risques, afin de d\u00e9terminer si le client, <strong><u>la personne pr\u00e9tendant agir au nom et pour le compte du client<\/u><\/strong> ou le b\u00e9n\u00e9ficiaire effectif est une personne politiquement expos\u00e9e ;<\/em><br \/><em>b) obtenir l&rsquo;autorisation \u00e0 un niveau \u00e9lev\u00e9 de la hi\u00e9rarchie avant de nouer ou, s\u2019il s\u2019agit d\u2019un client existant, de maintenir une relation d&rsquo;affaires avec de telles personnes ;<\/em><br \/><em>c) prendre toute mesure appropri\u00e9e pour \u00e9tablir l&rsquo;origine du patrimoine et l&rsquo;origine des fonds impliqu\u00e9s dans la relation d&rsquo;affaires ou la transaction avec de telles personnes. De surcro\u00eet, les \u00e9tablissements de cr\u00e9dit et les \u00e9tablissements financiers doivent prendre toute mesure appropri\u00e9e pour \u00e9tablir l\u2019origine du patrimoine et l\u2019origine des fonds des clients et des b\u00e9n\u00e9ficiaires effectifs identifi\u00e9s comme des personnes politiquement expos\u00e9es ;<\/em><br \/><em>d) assurer une surveillance continue renforc\u00e9e de la relation d&rsquo;affaires. [\u2026]<\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e9bcee4 elementor-widget elementor-widget-spacer\" data-id=\"6e9bcee4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-d01c29e elementor-widget elementor-widget-heading\" data-id=\"d01c29e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">1.6\tModification de l\u2019article 9-2 bis de la loi modifi\u00e9e du 12 novembre 2004<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-9ffc55f elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"9ffc55f\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6e7b559 elementor-widget elementor-widget-text-editor\" data-id=\"6e7b559\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pr\u00e9cisions apport\u00e9es sur la coop\u00e9ration des autorit\u00e9s de contr\u00f4le avec leurs autorit\u00e9s homologu\u00e9s \u00e9trang\u00e8res\u00a0via l\u2019ajout des <strong>paragraphes 8 et 9<\/strong>.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1db55ff elementor-widget elementor-widget-text-editor\" data-id=\"1db55ff\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Article 9-2 bis (8) &amp; (9) de la loi coordonn\u00e9e du 12 novembre 2004<\/em><\/p><p><em><strong>(8)<\/strong> Les autorit\u00e9s de contr\u00f4le peuvent demander \u00e0 leurs autorit\u00e9s homologues \u00e9trang\u00e8res de mener une enqu\u00eate ou une inspection sur place sur le territoire de l\u2019autorit\u00e9 homologue en question. Sous r\u00e9serve du consentement de leurs autorit\u00e9s homologues \u00e9trang\u00e8res, les agents des autorit\u00e9s de contr\u00f4le peuvent participer \u00e0, ou effectuer l\u2019enqu\u00eate ou l\u2019inspection sur place \u00e0 l\u2019\u00e9tranger.<\/em><\/p><p><em><strong>(9)<\/strong> Les autorit\u00e9s de contr\u00f4le peuvent donner suite \u00e0 une demande d\u00fbment motiv\u00e9e et justifi\u00e9e de la part d\u2019une autorit\u00e9 homologue \u00e9trang\u00e8re de mener une enqu\u00eate ou une inspection sur place, dans le cadre de leurs missions dans le domaine de la lutte contre le blanchiment et contre le financement du terrorisme, aupr\u00e8s des personnes soumises \u00e0 leur pouvoir de surveillance respectif, conform\u00e9ment \u00e0 l\u2019article 2-1 \u00e9tablies au Grand-Duch\u00e9 de Luxembourg, aux conditions suivantes :<\/em><\/p><ol><li><em>l\u2019enqu\u00eate ou l\u2019inspection sur place ne porte pas atteinte \u00e0 la souverainet\u00e9, \u00e0 la s\u00e9curit\u00e9 ou \u00e0 l\u2019ordre public de l\u2019\u00c9tat luxembourgeois ;<\/em><\/li><li><em>l\u2019enqu\u00eate ou l\u2019inspection sur place n\u2019est pas susceptible d\u2019entraver une proc\u00e9dure engag\u00e9e au Luxembourg pour les m\u00eames faits et \u00e0 l\u2019encontre des m\u00eames personnes<\/em><\/li><li><em>les personnes vis\u00e9es n\u2019ont pas \u00e9t\u00e9 d\u00e9finitivement jug\u00e9es pour les m\u00eames faits au Luxembourg ;<\/em><\/li><li><em>l\u2019autorit\u00e9 requ\u00e9rante accorde le m\u00eame droit \u00e0 l\u2019autorit\u00e9 de contr\u00f4le ; et<\/em><\/li><li><em>l\u2019autorit\u00e9 requ\u00e9rante offre des garanties de secret professionnel au moins \u00e9quivalentes au secret professionnel auquel l\u2019autorit\u00e9 de contr\u00f4le est soumise.<\/em><\/li><\/ol><p><em><br \/>L\u2019autorit\u00e9 de contr\u00f4le peut autoriser, sur demande, la pr\u00e9sence d\u2019agents de l\u2019autorit\u00e9 requ\u00e9rante lors de l\u2019enqu\u00eate ou de l\u2019inspection sur place. Cependant, l\u2019enqu\u00eate ou l\u2019inspection sur place est plac\u00e9e sous le contr\u00f4le de l\u2019autorit\u00e9 de contr\u00f4le. Si l\u2019autorit\u00e9 de contr\u00f4le n\u2019est pas en mesure de donner suite \u00e0 une telle demande, elle en informe l\u2019autorit\u00e9 homologue requ\u00e9rante de fa\u00e7on aussi circonstanci\u00e9e que possible.<br \/><\/em><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c73282d elementor-widget elementor-widget-spacer\" data-id=\"c73282d\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ae4e76 elementor-widget elementor-widget-heading\" data-id=\"1ae4e76\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">2.\tModification des articles 2 (2) &amp; 3 (1) de la loi du 10 juillet 2020 instituant un registre des fiducies et des trusts<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ed9c695 elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"ed9c695\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dbc159b elementor-widget elementor-widget-text-editor\" data-id=\"dbc159b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Pr\u00e9cision relative au d\u00e9lai de mise \u00e0 jour (<strong>ne d\u00e9passant pas un mois<\/strong>) des informations d\u2019identification et de v\u00e9rification d\u2019identit\u00e9. \u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b5377c5 elementor-widget elementor-widget-text-editor\" data-id=\"b5377c5\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><em>Article 2 (2) de la loi coordonn\u00e9e du 10 juillet 2020 :<\/em><\/p><p><em> Les informations [sur les b\u00e9n\u00e9ficiaires effectifs de tout trust expr\u00e8s administr\u00e9 au Grand-Duch\u00e9 de Luxembourg et de toute fiducie] sont ad\u00e9quates, exactes et actuelles. Elles sont mises \u00e0 jour dans un d\u00e9lai raisonnable <strong><u>ne d\u00e9passant pas un mois<\/u><\/strong> apr\u00e8s tout changement [\u2026].<\/em><\/p><p><em>Article 3 (1) de la loi coordonn\u00e9e du 10 juillet 2020 :<\/em><\/p><p><em>Les trustees des trusts expr\u00e8s administr\u00e9s au Grand-Duch\u00e9 de Luxembourg et les fiduciaires obtiennent et conservent des informations \u00e9l\u00e9mentaires sur les autres professionnels et les entit\u00e9s de droit \u00e9tranger qui, si leur si\u00e8ge social \u00e9tait situ\u00e9 au Grand-Duch\u00e9 de Luxembourg, seraient consid\u00e9r\u00e9es comme professionnels, qui prestent des services au trust ou \u00e0 la fiducie ou qui entrent en relation d\u2019affaires avec le trust ou la fiducie. Ces informations sont exactes et actuelles. Elles sont mises \u00e0 jour dans un d\u00e9lai raisonnable <strong><u>ne d\u00e9passant pas un mois<\/u><\/strong> apr\u00e8s tout changement. [\u2026]<\/em> <\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-178e6f8f elementor-widget elementor-widget-spacer\" data-id=\"178e6f8f\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-34c4f997 elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"34c4f997\" data-element_type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/arcad.lu\/wp-content\/uploads\/2022\/02\/ARCAD-FOND_tab-1024x826-1.jpg);\" role=\"img\" aria-label=\"ARCAD-FOND_tab-1024x826-1.jpg\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-cta__content\">\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<h2 class=\"elementor-cta__title elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tNos experts vous accompagnent dans votre mise en conformit\u00e9 LBC\/FT\t\t\t\t\t<\/h2>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__description elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t\tConseil - Mise \u00e0 niveau - Audit \u00e0 blanc - Formation \t\t\t\t\t<\/div>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-cta__button-wrapper elementor-cta__content-item elementor-content-item\">\n\t\t\t\t\t<a class=\"elementor-cta__button elementor-button elementor-size-\" href=\"\/en\/anti-blanchiment\/\">\n\t\t\t\t\t\tMore information\t\t\t\t\t<\/a>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-101c79 elementor-widget elementor-widget-spacer\" data-id=\"101c79\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-bc707d2 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"bc707d2\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-ed0b309\" data-id=\"ed0b309\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-c31871e elementor-widget-divider--view-line elementor-invisible elementor-widget elementor-widget-divider\" data-id=\"c31871e\" data-element_type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a6ac89 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0a6ac89\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>D\u00e9couvrez nos autres publications :<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ab7d6e elementor-widget__width-initial elementor-align-right elementor-mobile-align-left elementor-hidden-phone elementor-widget elementor-widget-button\" data-id=\"3ab7d6e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/arcad.lu\/en\/nos-actualites\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-chevron-right\"><\/i>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See more news<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-66c2d9f elementor-grid-tablet-3 elementor-grid-3 elementor-grid-mobile-1 elementor-posts--thumbnail-top elementor-card-shadow-yes elementor-posts__hover-gradient elementor-widget elementor-widget-posts\" data-id=\"66c2d9f\" data-element_type=\"widget\" data-settings=\"{&quot;cards_columns_tablet&quot;:&quot;3&quot;,&quot;cards_columns&quot;:&quot;3&quot;,&quot;cards_columns_mobile&quot;:&quot;1&quot;,&quot;cards_row_gap&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:35,&quot;sizes&quot;:[]},&quot;cards_row_gap_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]},&quot;cards_row_gap_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:&quot;&quot;,&quot;sizes&quot;:[]}}\" data-widget_type=\"posts.cards\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-posts-container elementor-posts elementor-posts--skin-cards elementor-grid\">\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-6940 post type-post status-publish format-standard has-post-thumbnail hentry category-news\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/arcad.lu\/en\/autorite-de-lutte-contre-le-blanchiment-de-capitaux-albc\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"800\" height=\"418\" src=\"https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/ALBC-1024x535.png\" class=\"attachment-large size-large wp-image-6941\" alt=\"\" srcset=\"https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/ALBC-1024x535.png 1024w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/ALBC-300x157.png 300w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/ALBC-768x401.png 768w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/ALBC-1536x802.png 1536w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/ALBC-18x9.png 18w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/ALBC.png 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">News<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/arcad.lu\/en\/autorite-de-lutte-contre-le-blanchiment-de-capitaux-albc\/\" >\n\t\t\t\tAutorit\u00e9 de Lutte contre le Blanchiment de Capitaux (ALBC)\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>Le 19 juin 2024, le r\u00e8glement du Parlement europ\u00e9en et du Conseil \u00e9tablissant l\u2019ALBC (AMLA pour Anti Money Laundering Authority en Anglais) a \u00e9t\u00e9 publi\u00e9 dans le Journal Officiel de l&rsquo;Union Europ\u00e9enne.<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/arcad.lu\/en\/autorite-de-lutte-contre-le-blanchiment-de-capitaux-albc\/\" aria-label=\"Read more about Autorit\u00e9 de Lutte contre le Blanchiment de Capitaux (ALBC)\" tabindex=\"-1\" >\n\t\t\tMore information\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t4 July 2024\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-6923 post type-post status-publish format-standard has-post-thumbnail hentry category-news\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/arcad.lu\/en\/directive-ue-2024-1640-amld6\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img decoding=\"async\" width=\"800\" height=\"418\" src=\"https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-6AMLD-1024x535.png\" class=\"attachment-large size-large wp-image-6926\" alt=\"\" srcset=\"https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-6AMLD-1024x535.png 1024w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-6AMLD-300x157.png 300w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-6AMLD-768x401.png 768w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-6AMLD-1536x802.png 1536w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-6AMLD-18x9.png 18w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-6AMLD.png 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">News<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/arcad.lu\/en\/directive-ue-2024-1640-amld6\/\" >\n\t\t\t\tDirective (UE) 2024\/1640 (AMLD6)\t\t\t<\/a>\n\t\t<\/h3>\n\t\t\t\t<div class=\"elementor-post__excerpt\">\n\t\t\t<p>La Directive (UE) 2024\/1640 (AMLD6) r\u00e9forme profond\u00e9ment les approches r\u00e9glementaires, en se concentrant uniquement sur les responsabilit\u00e9s sp\u00e9cifiques des \u00c9tats membres, tandis que les obligations du secteur priv\u00e9 sont transf\u00e9r\u00e9es au R\u00e8glement AMLR<\/p>\n\t\t<\/div>\n\t\t\n\t\t<a class=\"elementor-post__read-more\" href=\"https:\/\/arcad.lu\/en\/directive-ue-2024-1640-amld6\/\" aria-label=\"Read more about Directive (UE) 2024\/1640 (AMLD6)\" tabindex=\"-1\" >\n\t\t\tMore information\t\t<\/a>\n\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-post__meta-data\">\n\t\t\t\t\t<span class=\"elementor-post-date\">\n\t\t\t4 July 2024\t\t<\/span>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/article>\n\t\t\t\t<article class=\"elementor-post elementor-grid-item post-6911 post type-post status-publish format-standard has-post-thumbnail hentry category-news\">\n\t\t\t<div class=\"elementor-post__card\">\n\t\t\t\t<a class=\"elementor-post__thumbnail__link\" href=\"https:\/\/arcad.lu\/en\/reglement-amlr\/\" tabindex=\"-1\" ><div class=\"elementor-post__thumbnail\"><img loading=\"lazy\" decoding=\"async\" width=\"800\" height=\"418\" src=\"https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-AMLR-1024x535.png\" class=\"attachment-large size-large wp-image-6913\" alt=\"AMLR\" srcset=\"https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-AMLR-1024x535.png 1024w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-AMLR-300x157.png 300w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-AMLR-768x401.png 768w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-AMLR-1536x802.png 1536w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-AMLR-18x9.png 18w, https:\/\/arcad.lu\/wp-content\/uploads\/2024\/07\/NEWS-AMLR.png 2000w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><\/div><\/a>\n\t\t\t\t<div class=\"elementor-post__badge\">News<\/div>\n\t\t\t\t<div class=\"elementor-post__text\">\n\t\t\t\t<h3 class=\"elementor-post__title\">\n\t\t\t<a href=\"https:\/\/arcad.lu\/en\/reglement-amlr\/\" 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internationaux.<\/p>","protected":false},"author":2,"featured_media":5113,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[12],"tags":[],"class_list":["post-5103","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-news"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Modification de la loi anti-blanchiment - ARCAD<\/title>\n<meta name=\"description\" content=\"Modifications apport\u00e9es \u00e0 la loi anti blanchiment (2004) afin d\u2019assurer une coh\u00e9rence entre les textes luxembourgeois et internationaux.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, 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