{"id":7439,"date":"2026-07-15T15:26:30","date_gmt":"2026-07-15T13:26:30","guid":{"rendered":"https:\/\/arcad.lu\/?p=7439"},"modified":"2026-07-15T15:42:17","modified_gmt":"2026-07-15T13:42:17","slug":"amla","status":"publish","type":"post","link":"https:\/\/arcad.lu\/en\/amla\/","title":{"rendered":"AMLA: the new European authority at the heart of AML\/CFT supervision"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"7439\" class=\"elementor elementor-7439\" 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\" 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color 0.2s ease;\n}\n\n.arcad-amla .arcad-button:hover {\n    color: var(--arcad-navy) !important;\n    background: transparent;\n}\n\n.arcad-amla .arcad-sources {\n    margin-top: 60px;\n    padding-top: 34px;\n    border-top: 1px solid var(--arcad-line);\n}\n\n.arcad-amla .arcad-sources h2 {\n    margin-top: 0;\n    font-size: 27px;\n}\n\n.arcad-amla .arcad-sources ol {\n    margin: 18px 0;\n    padding-left: 22px;\n}\n\n.arcad-amla .arcad-sources ol li {\n    padding-left: 5px;\n    font-size: 15px;\n}\n\n.arcad-amla .arcad-sources ol li::before {\n    display: none;\n}\n\n.arcad-amla .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-amla {\n        font-size: 16px;\n    }\n\n    .arcad-amla .arcad-hero {\n        padding: 38px 24px 42px;\n    }\n\n    .arcad-amla .arcad-facts,\n    .arcad-amla .arcad-pillars,\n    .arcad-amla .arcad-cta {\n        grid-template-columns: 1fr;\n    }\n\n    .arcad-amla .arcad-section {\n        grid-template-columns: 1fr;\n        gap: 8px;\n        padding: 36px 0;\n    }\n\n    .arcad-amla .arcad-timeline li {\n        grid-template-columns: 1fr;\n        gap: 8px;\n    }\n\n    .arcad-amla .arcad-event {\n        margin-left: 6px;\n    }\n\n    .arcad-amla .arcad-button {\n        width: 100%;\n        white-space: normal;\n        text-align: center;\n    }\n}\n<\/style>\n\n<article class=\"arcad-amla\" lang=\"fr\">\n    <div class=\"arcad-shell\">\n\n        <header class=\"arcad-hero\">\n            <div class=\"arcad-hero-content\">\n                <p class=\"arcad-eyebrow\">European supervision \u00b7 Cooperation \u00b7 Convergence<\/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                    AMLA: the new European authority at the heart of AML\/CFT supervision\n                <\/h1>\n\n                <p class=\"arcad-lead\">\n                    Based in Frankfurt, AMLA coordinates the European AML\/CFT supervision system, supports cooperation between financial intelligence units and will directly supervise a selection of cross-border financial entities.\n                <\/p>\n\n                <div class=\"arcad-meta\">\n                    <span>Regulation (EU) 2024\/1620<\/span>\n                    <span>General application: 1st July 2025<\/span>\n                <\/div>\n            <\/div>\n        <\/header>\n\n        <div class=\"arcad-content\">\n\n            <p class=\"arcad-intro\">\n                Regulation (EU) 2024\/1620 has established the Anti-Money Laundering and Counter-Terrorist Financing Authority, known by the acronym AMLA. This decentralised agency of the European Union forms a central element of the new European framework, but it does not replace national supervisory authorities or national financial intelligence units.\n            <\/p>\n\n            <div class=\"arcad-facts\" aria-label=\"Essential information\">\n                <div class=\"arcad-fact\">\n                    <strong>Frankfurt<\/strong>\n                    <span>Seat of AMLA, the European authority for anti-money laundering.<\/span>\n                <\/div>\n\n                <div class=\"arcad-fact\">\n                    <strong>2027<\/strong>\n                    <span>First selection cycle of entities under direct supervision.<\/span>\n                <\/div>\n\n                <div class=\"arcad-fact\">\n                    <strong>Up to 40<\/strong>\n                    <span>Entities or groups planned during the first cycle of direct supervision.<\/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>Why a dedicated European authority?<\/h2>\n\n                    <p>\n                        The previous framework relied heavily on national authorities,\nvarying supervisory practices and implementation that was often\ninfluenced by the specific characteristics of each jurisdiction. This organisation\ncould lead to discrepancies in risk assessment, the supervision of cross-border\ngroups and the handling of cases involving multiple Member States.\n                    <\/p>\n\n                    <p>\n                        AMLA was created to strengthen the consistency of the system, improve the quality and convergence of supervision, facilitate information exchange, and support cooperation between financial intelligence units.\n                    <\/p>\n\n                    <p>\n                        The regulation establishing AMLA generally applies from\n                        <strong>1 July 2025<\/strong>. The seat of authority is established in Frankfurt am Main, Germany.\n                    <\/p>\n\n                    <p>\n                        The <strong>1 January 2026<\/strong>, the European Banking Authority\n                        and AMLA have completed the transfer of the AML\/CFT mandates and functions from\n                        the European Banking Authority to AMLA.\n                    <\/p>\n                <\/div>\n            <\/section>\n\n            <section class=\"arcad-section\">\n                <div class=\"arcad-number\" aria-hidden=\"true\">02<\/div>\n                <div>\n                    <h2>Three complementary functions<\/h2>\n\n                    <div class=\"arcad-pillars\">\n                        <div class=\"arcad-pillar\">\n                            <span class=\"arcad-pillar-number\">01<\/span>\n                            <h3>Supervision<\/h3>\n                            <p>\n                                The AMLA will directly supervise a selection of financial entities or groups with a cross-border profile and a high level of risk.\n                            <\/p>\n                        <\/div>\n\n                        <div class=\"arcad-pillar\">\n                            <span class=\"arcad-pillar-number\">02<\/span>\n                            <h3>Convergence<\/h3>\n                            <p>\n                                The authority helps to bring the practices of national supervisors closer together, in the financial and non-financial sectors.\n                            <\/p>\n                        <\/div>\n\n                        <div class=\"arcad-pillar\">\n                            <span class=\"arcad-pillar-number\">03<\/span>\n                            <h3>CRF Cooperation<\/h3>\n                            <p>\n                                AMLA supports information exchange, joint analyses, and cooperation between financial intelligence units.\n                            <\/p>\n                        <\/div>\n                    <\/div>\n\n                    <p>\n                        AMLA also contributes to the development of the European regulatory framework by preparing draft technical standards, guidelines, and other instruments provided for by Union legislative acts.\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>Which entities will be able to be directly supervised?<\/h2>\n\n                    <p>\n                        Permanent direct supervision does not apply to all obliged entities. The process targets credit institutions, financial institutions or financial groups that meet the eligibility criteria and present a high level of residual risk of money laundering or terrorist financing.\n                    <\/p>\n\n                    <p>\n                        Entities or groups carrying out activities in at least\n                        <strong>six Member States<\/strong> may be eligible under the conditions\nlaid down by the applicable regulation and methodology. Eligibility does not\nautomatically lead to selection.\n                    <\/p>\n\n                    <p>\n                        AMLA assesses inherent risk, then residual risk after considering the entity's policies, procedures, and controls.\nThe first selection cycle is expected to take place in 2027. AMLA's official documentation provides for the selection of <strong>up to 40 entities or groups<\/strong> during this first cycle, for a start of direct supervision in 2028.\n                    <\/p>\n\n                    <div class=\"arcad-callout\">\n                        <strong>The selection is based on risk and cross-border activity.<\/strong>\n                        The size of an institution or its presence in multiple countries is not sufficient, in itself, to establish that it will be directly supervised by AMLA.\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>How will direct supervision work?<\/h2>\n\n                    <p>\n                        For each selected entity, supervision will rest with a joint team comprising AMLA staff and representatives from the relevant national authorities.\n                    <\/p>\n\n                    <p>As part of its remit, AMLA will be able, among other things, to:<\/p>\n\n                    <ul>\n                        <li>assess compliance with applicable European AML\/CFT requirements; ;<\/li>\n                        <li>examine governance, policies, procedures, and internal controls; ;<\/li>\n                        <li>carry out AML\/CFT prudential reviews, investigations and on-site inspections; ;<\/li>\n                        <li>request corrective actions ;<\/li>\n                        <li>to take administrative measures when the legal conditions are met; ;<\/li>\n                        <li>to impose financial penalties and daily fines within the framework provided for by the regulation.<\/li>\n                    <\/ul>\n\n                    <p>\n                        The selection process must be renewed periodically. AMLA's regulations and official publications provide for a selection cycle every three years.\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>National authorities remain at the heart of the system<\/h2>\n\n                    <p>\n                        Financial entities not selected for direct supervision remain primarily under the oversight of their national supervisor. AMLA and national authorities together form the European AML\/CFT supervisory system.\n                    <\/p>\n\n                    <p>\n                        For the financial sector as a whole, AMLA promotes the convergence of methods, facilitates supervisory colleges, coordinates certain information exchanges and helps to resolve divergences in the conditions provided for by the regulation.\n                    <\/p>\n\n                    <h3>What about the non-financial sector?<\/h3>\n\n                    <p>\n                        AMLA's ordinary role in the non-financial sector mainly concerns the coordination and convergence of supervisory practices. This may include, in particular, assessments, benchmarking, guidelines, and support for supervisory colleges.\n                    <\/p>\n\n                    <p>\n                        A lawyer, an accountant, a real estate agent or another obliged non-financial entity should therefore not consider AMLA to be automatically their direct supervisor on a day-to-day basis. The supervisory relationship will, in principle, remain organised at the national level.\n                    <\/p>\n                <\/div>\n            <\/section>\n\n            <section class=\"arcad-section\">\n                <div class=\"arcad-number\" aria-hidden=\"true\">06<\/div>\n                <div>\n                    <h2>AMLA supports CRFs, but doesn't replace them<\/h2>\n\n                    <p>\n                        AMLA has a specific mandate to strengthen cooperation between financial intelligence units. Its role includes supporting joint analysis of cross-border cases, developing common methodologies, providing analytical capabilities, and supporting secure information exchange.\n                    <\/p>\n\n                    <p>\n                        However, national Financial Intelligence Units (FIUs) remain responsible for receiving suspicious transaction reports, analysing them, and disseminating the results to the relevant national authorities.\n                    <\/p>\n\n                    <div class=\"arcad-callout\">\n                        <strong>Practical consequence:<\/strong>\n                        a reporting entity continues to submit its declarations to the competent national CRF, according to the procedures applicable in the relevant jurisdiction. It does not submit its ordinary declarations directly to AMLA.\n                    <\/div>\n                <\/div>\n            <\/section>\n\n            <section class=\"arcad-section\">\n                <div class=\"arcad-number\" aria-hidden=\"true\">07<\/div>\n                <div>\n                    <h2>Distinguishing between binding texts and projects and consultations<\/h2>\n\n                    <p>\n                        AMLA has numerous mandates to prepare technical standards,\nguidelines, recommendations and methodologies. However, not all documents\npublished by the authority have the same legal status.\n                    <\/p>\n\n                    <ul>\n                        <li>\n                            The AMLA Regulation, the AMLR and AMLD6 are legislative acts adopted by the European Parliament and the Council.\n                        <\/li>\n                        <li>\n                            A draft technical standard prepared by the AMLA remains a draft until the applicable adoption procedure is completed.\n                        <\/li>\n                        <li>\n                            A technical standard becomes binding after its formal adoption by the Commission and its publication as an applicable legal act.\n                        <\/li>\n                        <li>\n                            A guideline or recommendation does not have the same status as a delegated or implementing regulation.\n                        <\/li>\n                        <li>\n                            A consultation document should never be presented as a definitive obligation that is already in effect.\n                        <\/li>\n                    <\/ul>\n\n                    <p>\n                        This distinction is essential in internal policies and regulatory training. The date, version, and legal status of each document must be clearly indicated.\n                    <\/p>\n                <\/div>\n            <\/section>\n\n            <section class=\"arcad-section\">\n                <div class=\"arcad-number\" aria-hidden=\"true\">08<\/div>\n                <div>\n                    <h2>The main stages of the calendar<\/h2>\n\n                    <ul class=\"arcad-timeline\">\n                        <li>\n                            <div class=\"arcad-year\">19 June 2024<\/div>\n                            <div class=\"arcad-event\">\n                                Publication of Regulation (EU) 2024\/1620 establishing AMLA.\n                            <\/div>\n                        <\/li>\n\n                        <li>\n                            <div class=\"arcad-year\">1 July 2025<\/div>\n                            <div class=\"arcad-event\">\n                                General application date of the AMLA Regulation.\n                            <\/div>\n                        <\/li>\n\n                        <li>\n                            <div class=\"arcad-year\">1 January 2026<\/div>\n                            <div class=\"arcad-event\">\n                                Completion of the transfer of AML\/CFT mandates and functions from the European Banking Authority to the AMLA.\n                            <\/div>\n                        <\/li>\n\n                        <li>\n                            <div class=\"arcad-year\">2027<\/div>\n                            <div class=\"arcad-event\">\n                                First selection cycle of entities or groups intended for direct supervision.\n                            <\/div>\n                        <\/li>\n\n                        <li>\n                            <div class=\"arcad-year\">2028<\/div>\n                            <div class=\"arcad-event\">\n                                Planned start of direct supervision of selected entities, in accordance with AMLA's official timetable.\n                            <\/div>\n                        <\/li>\n                    <\/ul>\n                <\/div>\n            <\/section>\n\n            <section class=\"arcad-section\">\n                <div class=\"arcad-number\" aria-hidden=\"true\">09<\/div>\n                <div>\n                    <h2>How can organisations prepare?<\/h2>\n\n                    <p>\n                        The following measures constitute recommended preparatory actions and must be adapted to each organisation's profile:\n                    <\/p>\n\n                    <ul>\n                        <li>to determine whether an entity or group can meet the eligibility criteria for direct supervision; ;<\/li>\n                        <li>to map cross-border activities, establishments and services; ;<\/li>\n                        <li>improve the quality and traceability of data that may be requested by supervisors; ;<\/li>\n                        <li>to harmonise policies and controls across different entities within a group; ;<\/li>\n                        <li>clearly document local deviations and their justification; ;<\/li>\n                        <li>Testing the effectiveness of KYC, monitoring and escalation devices; ;<\/li>\n                        <li>to follow the definitive acts, guidelines, and documents still in draft form separately.<\/li>\n                    <\/ul>\n                <\/div>\n            <\/section>\n\n            <aside class=\"arcad-takeaway\">\n                <h2>To remember<\/h2>\n                <p>\n                    AMLA does not centralise all European supervision. It combines targeted direct supervision of certain financial entities with a broader role of convergence, coordination and support.\n                <\/p>\n                <p>\n                    National authorities and national FCAs remain indispensable.\nThe new model relies on their cooperation with AMLA rather than their replacement by a single authority.\n                <\/p>\n            <\/aside>\n\n            <section class=\"arcad-cta\">\n                <div>\n                    <h2>Strengthen your AML\/CFT teams' preparedness<\/h2>\n                    <p>\n                        ARCAD offers training and reviews tailored to supervised professionals in Luxembourg and organisations operating across Europe.\n                    <\/p>\n                <\/div>\n\n                <a class=\"arcad-button\" href=\"https:\/\/arcad.lu\/en\/webinars\/\">\n                    Discover courses\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\/reg\/2024\/1620\/2025-11-10\/fra\"\n                           target=\"_blank\" rel=\"noopener noreferrer\">\n                            Regulation (EU) 2024\/1620 \u2014 consolidated version on EUR-Lex\n                        <\/a>\n                    <\/li>\n                    <li>\n                        <a href=\"https:\/\/eur-lex.europa.eu\/FR\/legal-content\/summary\/authority-for-anti-money-laundering-and-countering-the-financing-of-terrorism.html\"\n                           target=\"_blank\" rel=\"noopener noreferrer\">\n                            Official EUR-Lex summary relating to AMLA\n                        <\/a>\n                    <\/li>\n                    <li>\n                        <a href=\"https:\/\/www.amla.europa.eu\/document\/download\/5aa923cc-eece-4cff-a9dd-4f687e88962b_en?filename=Explainer+-+Direct+Supervision+by+AMLA.pdf\"\n                           target=\"_blank\" rel=\"noopener noreferrer\">\n                            AMLA \u2014 Official Document on Direct Supervision\n                        <\/a>\n                    <\/li>\n                    <li>\n                        <a href=\"https:\/\/www.amla.europa.eu\/eba-and-amla-complete-handover-amlcft-mandates_en\"\n                           target=\"_blank\" rel=\"noopener noreferrer\">\n                            AMLA and EBA \u2014 transfer of AML\/CFT mandates on 1 January 2026\n                        <\/a>\n                    <\/li>\n                <\/ol>\n\n                <p class=\"arcad-legal\">\n                    <strong>Scope of the article<\/strong> Synthesis of the legal and institutional framework of the European Union, verified on 15 July 2026. Methodologies, technical standards, and other instruments published after this date must be subject to separate verification of their version and legal status.\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>Scope, governance, KYC due diligence, beneficial ownership, suspicious activity reports, and cash payments: the key contributions of the AMLR.<\/p>","protected":false},"author":2,"featured_media":7445,"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-7439","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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