AMLR: Anti-Money Laundering Regulation (single rulebook)
The AMLR, Regulation (EU) 2024/1624, is the EU's single rulebook against money laundering and terrorist financing. From 10 July 2027 it binds banks, payment and e-money institutions, investment firms and crypto-asset service providers directly. It harmonises customer due diligence, beneficial ownership and reporting rules, and it sets an EU-wide limit on large cash payments.
At a glance
| Official title | Regulation (EU) 2024/1624 of the European Parliament and of the Council of 31 May 2024 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing1 |
|---|---|
| English title | Anti-Money Laundering Regulation (single rulebook) |
| Citation | Regulation (EU) 2024/1624 |
| Jurisdiction | European Union (applies in every EU/EEA state) |
| Type | regulation |
| Adopted | 2024-05-31 |
| In force from | 2024-07-09 |
| Status | In force; applies in general from 10 July 2027 |
Full text
Official full text: Anti-Money Laundering Regulation (single rulebook) (PDF, en)1 · 2,353 KB · file checked 2026-09-24
Official page: eur-lex.europa.eu1
Summary
The AMLR replaces most of the old anti-money-laundering directives with one rulebook that applies directly across the EU. It defines who counts as an obliged entity, credit and financial institutions, payment and e-money institutions, and crypto-asset service providers among them. On top of that it harmonises the rules on internal controls, customer due diligence, enhanced due diligence for high-risk situations, beneficial ownership transparency and reporting of suspicious transactions. It also caps large cash payments EU-wide. Alongside it sit the new Anti-Money Laundering Authority (AMLA) and the sixth AML directive.
Summary written by the Atlas from the official text; the law itself prevails.
Main articles
- Art. 3: Names the obliged entities, crypto-asset service providers among them.
- Chapter III: Covers customer due diligence and the enhanced version for higher-risk cases.
- Chapter IV: Deals with beneficial ownership transparency.
- Art. 80: Caps large cash payments across the EU.
Licences it governs
Regulators that apply it
- Netherlands
Authority for the Financial Markets (AFM)
The Autoriteit Financiële Markten (AFM) is the Netherlands' autonomous conduct-of-business supervisory authority (zelfstandig bestuursorgaan
- France
Financial Markets Authority (AMF)
The Autorité des marchés financiers (AMF) is France's independent financial markets authority. It protects savings invested in financial pro
- European Union
European Banking Authority (EBA)
The European Banking Authority is an independent EU agency that creates the European Single Rulebook for banking and payments, fosters super
- Estonia
Estonian Financial Intelligence Unit (FIU)
The Estonian Financial Intelligence Unit (Rahapesu Andmebüroo) is an independent government agency under the jurisdiction of the Ministry of
Upcoming changes
- 2027-07-10: The AMLR applies in general, replacing the national rules transposing Directive (EU) 2015/849.1
Sources
- EUR-Lex: CELEX 32024R1624 · retrieved 2026-09-24
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