{"id":7418,"date":"2026-07-15T14:38:33","date_gmt":"2026-07-15T12:38:33","guid":{"rendered":"https:\/\/arcad.lu\/?p=7418"},"modified":"2026-07-15T15:05:05","modified_gmt":"2026-07-15T13:05:05","slug":"amld6-directive-ue-2024-1640","status":"publish","type":"post","link":"https:\/\/arcad.lu\/en\/amld6-directive-ue-2024-1640\/","title":{"rendered":"AMLD6: How Directive (EU) 2024\/1640 is reorganising the European AML\/CFT framework"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"7418\" class=\"elementor elementor-7418\" data-elementor-post-type=\"post\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-6db90f4 elementor-section-full_width elementor-section-height-default elementor-section-height-default\" data-id=\"6db90f4\" 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-ebfbb07\" data-id=\"ebfbb07\" 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-b898738 elementor-widget elementor-widget-html\" data-id=\"b898738\" data-element_type=\"widget\" data-widget_type=\"html.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<!--\nTitre SEO sugg\u00e9r\u00e9 :\nAMLD6 : comment la directive (UE) 2024\/1640 r\u00e9organise le cadre europ\u00e9en LBC\/FT\n\nM\u00e9ta-description sugg\u00e9r\u00e9e :\nD\u00e9couvrez le r\u00f4le de l\u2019AMLD6, son calendrier de transposition et ses cons\u00e9quences pour les CRF, les registres, les superviseurs et les entit\u00e9s assujetties.\n-->\n\n<style>\n.arcad-amld6 {\n    --arcad-navy: #182a49;\n    --arcad-navy-light: #2c4774;\n    --arcad-gold: #d2bc76;\n    --arcad-gold-soft: #f0e8cf;\n    --arcad-cream: #f7f4ed;\n    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inline-flex;\n    align-items: center;\n    justify-content: center;\n    min-height: 52px;\n    padding: 13px 22px;\n    color: var(--arcad-white) !important;\n    background: var(--arcad-navy);\n    border: 1px solid var(--arcad-navy);\n    text-decoration: none !important;\n    font-size: 15px;\n    font-weight: 700;\n    white-space: nowrap;\n    transition: background-color 0.2s ease, color 0.2s ease;\n}\n\n.arcad-amld6 .arcad-button:hover {\n    color: var(--arcad-navy) !important;\n    background: transparent;\n}\n\n.arcad-amld6 .arcad-sources {\n    margin-top: 60px;\n    padding-top: 34px;\n    border-top: 1px solid var(--arcad-line);\n}\n\n.arcad-amld6 .arcad-sources h2 {\n    margin-top: 0;\n    font-size: 27px;\n}\n\n.arcad-amld6 .arcad-sources ol {\n    margin: 18px 0;\n    padding-left: 22px;\n}\n\n.arcad-amld6 .arcad-sources ol li {\n    padding-left: 5px;\n    font-size: 15px;\n}\n\n.arcad-amld6 .arcad-sources ol li::before {\n    display: none;\n}\n\n.arcad-amld6 .arcad-legal {\n    margin-top: 24px;\n    padding: 18px 20px;\n    color: var(--arcad-muted);\n    background: #faf9f6;\n    font-size: 14px;\n    line-height: 1.6;\n}\n\n@media (max-width: 767px) {\n    .arcad-amld6 {\n        font-size: 16px;\n    }\n\n    .arcad-amld6 .arcad-hero {\n        padding: 38px 24px 42px;\n    }\n\n    .arcad-amld6 .arcad-facts,\n    .arcad-amld6 .arcad-cta {\n        grid-template-columns: 1fr;\n    }\n\n    .arcad-amld6 .arcad-section {\n        grid-template-columns: 1fr;\n        gap: 8px;\n        padding: 36px 0;\n    }\n\n    .arcad-amld6 .arcad-button {\n        width: 100%;\n        white-space: normal;\n        text-align: center;\n    }\n}\n<\/style>\n\n<article class=\"arcad-amld6\" lang=\"fr\">\n    <div class=\"arcad-shell\">\n\n        <header class=\"arcad-hero\">\n            <div class=\"arcad-hero-content\">\n                <p class=\"arcad-eyebrow\">Regulatory Decryption \u00b7 European Union<\/p>\n\n                <!-- Si votre mod\u00e8le WordPress affiche d\u00e9j\u00e0 un H1, remplacez la balise h1 par h2. -->\n                <h1 class=\"arcad-title\">\n                    AMLD6: How Directive (EU) 2024\/1640 is reorganising the European AML\/CFT framework\n                <\/h1>\n\n                <p class=\"arcad-lead\">\n                    AMLD6 organises the mechanisms that Member States must put in place to prevent money laundering and terrorist financing: financial intelligence units, registers, supervision, cooperation and sanctions.\n                <\/p>\n\n                <div class=\"arcad-meta\">\n                    <span>Directive (EU) 2024\/1640<\/span>\n\n                <\/div>\n            <\/div>\n        <\/header>\n\n        <div class=\"arcad-content\">\n\n            <p class=\"arcad-intro\">\n                Directive (EU) 2024\/1640, referred to in this article as \u00abAMLD6\u00bb, forms one of the pillars of the new European package for combating money laundering and terrorist financing. Its role should be distinguished from that of the AMLR Regulation: the AMLR primarily contains obligations directly applicable to obliged entities, whereas AMLD6 principally structures the national mechanisms responsible for supporting, supervising and enforcing these obligations.\n            <\/p>\n\n            <div class=\"arcad-facts\" aria-label=\"Essential information\">\n                <div class=\"arcad-fact\">\n                    <strong>Nature of the text<\/strong>\n                    <span>A directive that must be transposed into the national law of Member States.<\/span>\n                <\/div>\n\n                <div class=\"arcad-fact\">\n                    <strong>General deadline<\/strong>\n                    <span>10 July 2027 for the majority of the provisions, subject to specific deadlines.<\/span>\n                <\/div>\n\n                <div class=\"arcad-fact\">\n                    <strong>Main object<\/strong>\n                    <span>CRF, registers, risk-based supervision, cooperation and enforcement mechanisms.<\/span>\n                <\/div>\n            <\/div>\n\n            <section class=\"arcad-section\">\n                <div class=\"arcad-number\" aria-hidden=\"true\">01<\/div>\n                <div>\n                    <h2>A new distribution of European rules<\/h2>\n\n                    <p>\n                        AMLD6 was published in the Official Journal of the European Union on 19 June 2024. It amends Directive (EU) 2019\/1937 and amends then repeals Directive (EU) 2015\/849, which had previously been one of the main cornerstones of the European AML\/CFT preventive framework.\n                    <\/p>\n\n                    <p>\n                        The new architecture more clearly separates two categories of rules. On the one hand, Regulation (EU) 2024\/1624, or AMLR, lays down a harmonised set of obligations for obliged entities. On the other hand, AMLD6 requires Member States to organise the authorities, registers, information resources, cooperation procedures and supervisory arrangements necessary for the system to function.\n                    <\/p>\n\n                    <div class=\"arcad-callout\">\n                        <strong>Point of vigilance:<\/strong>\n                        this division is not absolute. The AMLR and AMLD6 are complementary and must be read together, as well as with the national texts adopted to transpose the directive.\n                    <\/div>\n                <\/div>\n            <\/section>\n\n            <section class=\"arcad-section\">\n                <div class=\"arcad-number\" aria-hidden=\"true\">02<\/div>\n                <div>\n                    <h2>The central role of financial intelligence cells<\/h2>\n\n                    <p>\n                        Each Member State shall have a Financial Intelligence Unit, or FIU. The FIU constitutes the national central unit responsible for receiving and analysing the declarations transmitted by the obliged entities, as well as other relevant information concerning money laundering, predicate offences and the financing of terrorism.\n                    <\/p>\n\n                    <p>\n                        When the analysis reveals grounds for suspicion, the FIU disseminates the relevant results and information to the competent national authorities. The AMLD6 also governs the access of FIUs to financial, administrative, and law enforcement information necessary for their missions, as well as exchanges between FIUs in cross-border cases.\n                    <\/p>\n\n                    <h3>What does not change for declarants<\/h3>\n\n                    <p>\n                        Suspicion notifications continue to be addressed to the competent national FIU in accordance with the applicable rules and channels in the relevant Member State. The European AMLA Authority supports cooperation and joint analysis between FIUs, but it does not replace national FIUs as central receiving and analysis authorities.\n                    <\/p>\n                <\/div>\n            <\/section>\n\n            <section class=\"arcad-section\">\n                <div class=\"arcad-number\" aria-hidden=\"true\">03<\/div>\n                <div>\n                    <h2>Beneficial ownership registers, bank accounts and real estate<\/h2>\n\n                    <p>\n                        The AMLD6 requires the maintenance of central registers containing information on the beneficial owners of legal entities, express trusts, and similar legal arrangements. Member States must provide mechanisms to promote the accuracy, adequacy, and up-to-date nature of the recorded information.\n                    <\/p>\n\n                    <p>\n                        The directive also addresses centralised mechanisms for identifying holders or controllers of bank accounts, payment accounts, securities accounts, certain crypto-asset accounts and safe deposit boxes.\n                    <\/p>\n\n                    <p>\n                        Another aspect concerns access to information on real estate. Article 18 provides for the creation, in each Member State, of a single access point enabling competent authorities to obtain the information provided for by the directive concerning real estate, its owners, and certain transactions.\n                    <\/p>\n\n                    <div class=\"arcad-callout\">\n                        <strong>For subject entities:<\/strong>\n                        The consultation of a register constitutes an important source of information, but it does not replace the analysis and checks that must be carried out as part of customer due diligence.\n                    <\/div>\n                <\/div>\n            <\/section>\n\n            <section class=\"arcad-section\">\n                <div class=\"arcad-number\" aria-hidden=\"true\">04<\/div>\n                <div>\n                    <h2>Risk-based national supervision<\/h2>\n\n                    <p>\n                        Member States shall ensure that obliged entities are subject to effective AML\/CFT supervision. Supervisors shall apply a risk-based approach, understand the risks present in their jurisdiction and appreciate the particular exposure of the entities they supervise.\n                    <\/p>\n\n                    <p>The device must, in particular, allow supervisors to:<\/p>\n\n                    <ul>\n                        <li>obtain the necessary information to carry out their missions; ;<\/li>\n                        <li>to evaluate the policies, procedures and internal controls of regulated entities; ;<\/li>\n                        <li>carry out checks on documents, on-site inspections and thematic reviews; ;<\/li>\n                        <li>to examine resources relating to AML\/CFT functions ;<\/li>\n                        <li>to adopt administrative measures or pecuniary penalties when the legal conditions are met; ;<\/li>\n                        <li>cooperate with other supervisors in cross-border situations.<\/li>\n                    <\/ul>\n\n                    <p>\n                        The creation of AMLA therefore does not remove the competences of national authorities. They remain responsible for supervising entities that do not fall under the direct supervision of the European authority.\n                    <\/p>\n                <\/div>\n            <\/section>\n\n            <section class=\"arcad-section\">\n                <div class=\"arcad-number\" aria-hidden=\"true\">05<\/div>\n                <div>\n                    <h2>A phased transposition schedule<\/h2>\n\n                    <p>\n                        The AMLD6 does not provide for a single transposition deadline. Its Article 78 establishes several dates depending on the provisions concerned.\n                    <\/p>\n\n                    <div class=\"arcad-table-wrap\">\n                        <table>\n                            <thead>\n                                <tr>\n                                    <th scope=\"col\">Due date<\/th>\n                                    <th scope=\"col\">Affected dispositions<\/th>\n                                <\/tr>\n                            <\/thead>\n                            <tbody>\n                                <tr>\n                                    <td>10 July 2025<\/td>\n                                    <td>Necessary measures to comply with Article 74.<\/td>\n                                <\/tr>\n                                <tr>\n                                    <td>10 July 2026<\/td>\n                                    <td>\n                                        Measures required to comply with articles 11, 12, 13 and 15, concerning in particular the arrangements for access to certain information on beneficial owners.\n                                    <\/td>\n                                <\/tr>\n                                <tr>\n                                    <td>10 July 2027<\/td>\n                                    <td>\n                                        General transposition deadline for other provisions.\nDirective (EU) 2015\/849 shall be repealed with effect from that date.\n                                    <\/td>\n                                <\/tr>\n                                <tr>\n                                    <td>10 July 2029<\/td>\n                                    <td>\n                                        Necessary measures to comply with Article 18 relating to the single point of access to property information.\n                                    <\/td>\n                                <\/tr>\n                            <\/tbody>\n                        <\/table>\n                    <\/div>\n\n                    <div class=\"arcad-callout\">\n                        <strong>A European deadline does not, in itself, prove that national transposition is complete.<\/strong>\n                        Before presenting a provision as applicable in a particular country,\n                        it is necessary to check the national legislation adopted, its date of entry into force\n                        and any implementing measures.\n                    <\/div>\n                <\/div>\n            <\/section>\n\n            <section class=\"arcad-section\">\n                <div class=\"arcad-number\" aria-hidden=\"true\">06<\/div>\n                <div>\n                    <h2>What are the practical consequences for professionals?<\/h2>\n\n                    <p>\n                        A large part of the effects of AMLD6 will reach professionals through national laws, CRF procedures, access to registers and supervisory practices.\n                    <\/p>\n\n                    <p>A structured preparation can include, for example:<\/p>\n\n                    <ul>\n                        <li>to follow the transposition in each Member State in which the organisation carries out an activity; ;<\/li>\n                        <li>identify applicable local supervisory authorities and reporting channels; ;<\/li>\n                        <li>update the national appendices to group policies and procedures; ;<\/li>\n                        <li>check the terms of access to national registers; ;<\/li>\n                        <li>adapt training following the publication of final national measures; ;<\/li>\n                        <li>distinguish European requirements from options or procedures specific to each jurisdiction.<\/li>\n                    <\/ul>\n\n                    <p>\n                        These actions constitute recommended preparatory measures. Their precise content must be determined with regard to the sector of activity, the country concerned and the national provisions actually applicable.\n                    <\/p>\n                <\/div>\n            <\/section>\n\n            <aside class=\"arcad-takeaway\">\n                <h2>To remember<\/h2>\n                <p>\n                    AMLD6 should not be presented as a mere replacement of the previous directive. It redefines the public architecture of the European AML\/CFT framework: powers of the FIUs, access to information, registers, cooperation, supervision and enforcement mechanisms.\n                <\/p>\n                <p>\n                    For cross-border groups, the main challenge will be to combine a more harmonised European framework with the transposition measures and procedures that will continue to be defined at national level.\n                <\/p>\n            <\/aside>\n\n            <section class=\"arcad-cta\">\n                <div>\n                    <h2>Anticipating the evolutions of your AML\/CFT framework<\/h2>\n                    <p>\n                        ARCAD supports organisations in reviewing their governance, procedures, controls, and AML\/CFT documentation.\n                    <\/p>\n                <\/div>\n\n                <a class=\"arcad-button\" href=\"https:\/\/arcad.lu\/en\/audit-aml\/\">\n                    Discover support\n                <\/a>\n            <\/section>\n\n            <section class=\"arcad-sources\">\n                <h2>Official sources<\/h2>\n\n                <ol>\n                    <li>\n                        <a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2024\/1640\/oj\/fra\"\n                           target=\"_blank\" rel=\"noopener noreferrer\">\n                            Directive (EU) 2024\/1640 \u2013 Official text on EUR-Lex\n                        <\/a>\n                    <\/li>\n                    <li>\n                        <a href=\"https:\/\/eur-lex.europa.eu\/FR\/legal-content\/summary\/preventing-abuse-of-the-financial-system-for-money-laundering-and-terrorism-purposes-from-2027-member-states-mechanisms.html\"\n                           target=\"_blank\" rel=\"noopener noreferrer\">\n                            Official EUR-Lex summary of Directive (EU) 2024\/1640\n                        <\/a>\n                    <\/li>\n                    <li>\n                        <a href=\"https:\/\/eur-lex.europa.eu\/legal-content\/FR\/NIM\/?uri=CELEX%3A32024L1640\"\n                           target=\"_blank\" rel=\"noopener noreferrer\">\n                            National transposition measures communicated to EUR-Lex\n                        <\/a>\n                    <\/li>\n                <\/ol>\n\n                <p class=\"arcad-legal\">\n                    <strong>Scope of the article<\/strong> Summary of the legal framework of the European Union, verified on 15 July 2026. It does not replace reading the full text or verifying the transposition measures applicable in Luxembourg or another Member State.\n                <\/p>\n            <\/section>\n\n        <\/div>\n    <\/div>\n<\/article>\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<\/div>","protected":false},"excerpt":{"rendered":"<p>Discover the role of AMLD6, its transposition timeline, and its consequences for the FIUs, registries, supervisors and obliged entities.<\/p>","protected":false},"author":2,"featured_media":7436,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"footnotes":""},"categories":[1],"tags":[24],"class_list":["post-7418","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized","tag-aml"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.3.1 - 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