What changed
- The EU Anti-Money Laundering Regulation (AMLR) creates a single, directly applicable rulebook and applies from 10 July 2027.
- The EU Anti-Money Laundering Authority (AMLA) began operating in Frankfurt in 2025 and is set to directly supervise a group of the highest-risk cross-border institutions from 2028.
- The package also extends AML obligations to more sectors, including crypto-asset service providers and high-value goods dealers.
Who's affected
EU banks, payment and e-money firms, CASPs, fund managers, and newly covered sectors such as luxury goods traders.
What compliance teams should do now
- Gap-assess current CDD and screening against AMLR now, rather than in mid-2027.
- Standardise screening across member states — the single rulebook removes national wiggle room.
- Prepare for AMLA-level scrutiny of how alerts are triaged and documented.
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How AMLX helps
AMLX screens against the EU consolidated list alongside OFAC, UN, and UK data in one correlated workspace, with exportable records for supervisors.
Built for: Fintech & Payments · Banks & Credit Unions · Crypto & Digital Assets · Art, Antiques & Luxury Goods Dealers
Jurisdiction coverage: European Union screening · Germany screening · France screening · Netherlands screening · Ireland screening · Luxembourg screening
Related regulatory updates
- FinCEN's 2026 AML/CFT Program Rule Overhaul — FinCEN has proposed a fundamental, risk-based reform of AML/CFT program requirements for every BSA-covered financial institution.
- GENIUS Act: AML Obligations for Stablecoin Issuers — The GENIUS Act brought payment stablecoin issuers inside the Bank Secrecy Act. Sanctions screening is now a launch requirement, not a roadmap item.
- OFAC 10-Year Recordkeeping & Statute of Limitations — Sanctions violations can now be pursued for 10 years, and OFAC extended recordkeeping to match. Your screening evidence has to last a decade.
Frequently asked questions
What is the EU AMLR 2027 AMLA compliance change?
The EU's single AML rulebook applies from July 2027 and AMLA, the new Frankfurt-based authority, is building toward direct supervision.
Who does this affect?
EU banks, payment and e-money firms, CASPs, fund managers, and newly covered sectors such as luxury goods traders.
How can AMLX help us respond?
AMLX screens against the EU consolidated list alongside OFAC, UN, and UK data in one correlated workspace, with exportable records for supervisors. You can start on the free tier with no sales call.
Sources
This page summarises public regulatory developments for general information. It is not legal advice; confirm current status with the regulator or your counsel.