Regulatory monitor · status as of 6 Oct 2026

Where every RTS, Guideline and ITS under the AMLR stands

34 instruments, status reviewed 6 Oct 2026, checked daily against AMLA, the EBA and EUR-Lex. Every row links to its source.

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34 RTS / GL / ITSChecked dailyEBA · AMLA · EUR-LexEN · NL · FR · DE · ESEncrypted
AMLR applies10 Jul 2027
255
days until 10 Jul 2027
2 in consultation3 consultation closed, being finalised2 published / definitive

1All instruments

ArticlesSource
RTS
AMLA · Art. 28(1) AMLR
Art. (1) AMLRFinal, awaiting publication
10 Jul 2027
Expected
1 Oct 2026
Final draft
AMLA
RTS
AMLA · Art. 19(9) AMLR
Art. () AMLRFinal, awaiting publication
10 Jul 2027
Expected
1 Oct 2026
Final draft
AMLA
RTS
AMLA · Art. 16(4), 17(3) AMLR
Art. (4), (3) AMLRFinal, awaiting publication
10 Jul 2027
Expected
1 Oct 2026
Final draft
AMLA
RTS
AMLA · Art. 46(4) AMLD6
Art. (4) AMLD6Final, awaiting publication
10 Jul 2027
Expected
1 Oct 2026
Final draft
AMLA
NL
MinFin · AMLD6 (whole)
AMLD6 (whole)Closed, being finalised
10 Jul 2027
Expected
17 Aug 2026
Submitted
MinFin
ITS
AMLA · Art. 15(3) AMLAR
Art. (3) AMLARFinal, awaiting publication—
21 Jul 2026
Final draft
AMLA
RTS
AMLA · Art. 40(2) AMLD6
Art. (2) AMLD6In consultation
27 Sept 2026
Consultation closed
13 Jul 2026
Consultation
AMLA
RTS
AMLA · Art. 53(10) AMLD6
Art. (10) AMLD6Final, awaiting publication
10 Jul 2027
Expected
8 Jul 2026
Final draft
AMLA
RTS
AMLA · Art. 31(3) AMLD6
Art. (3) AMLD6In consultation
6 Oct 2026
Consultation closed
6 Jul 2026
Consultation
AMLA
ITS
AMLA · Art. 81(1) AMLR
Art. (1) AMLRFinal, awaiting publication
10 Jul 2027
Expected
3 Jul 2026
Final draft
AMLA
ITS
AMLA · Art. 41(2) AMLAR
Art. (2) AMLARFinal, awaiting publication
10 Jul 2027
Expected
3 Jul 2026
Final draft
AMLA
ITS
AMLA · Art. 31(2) AMLD6
Art. (2) AMLD6Final, awaiting publication
10 Jul 2027
Expected
3 Jul 2026
Final draft
AMLA
ITS
AMLA · Art. 69 AMLR
Art. AMLRClosed, being finalised
31 Dec 2026
Expected
2 Jul 2026
Consultation
AMLA
GL
AMLA · Art. 26 AMLR
Art. AMLRClosed, being finalised
31 Dec 2026
Expected
3 Jun 2026
Consultation
AMLA
GL
AMLA · Art. 10 AMLR
Art. AMLRClosed, being finalised
31 Dec 2026
Expected
16 Apr 2026
Consultation
AMLA
RTS
AMLA · Art. 40(2) AMLD6
Art. (2) AMLD6Final, awaiting publication
31 Dec 2026
Expected
16 Dec 2025
Final draft
AMLA
RTS
AMLA · Art. 12 AMLAR
Art. AMLARFinal, awaiting publication
31 Dec 2026
Expected
16 Dec 2025
Final draft
AMLA
GL
EBA · Regulation (EU) 2023/1113 (TFR), art. 36
Regulation (EU) 2023/1113 (TFR), art. 36Published—
4 Jul 2024
Published
EBA
L1
EU · Entire text
Entire textPublished—
19 Jun 2024
Published
EU
L1
EU · Entire text
Entire textPublished—
19 Jun 2024
Published
EU
L1
EU · Entire text
Entire textPublished—
19 Jun 2024
Published
EU
GL
EBA · Directive (EU) 2015/849 (AMLD5), art. 13(1)
Directive (EU) 2015/849 (AMLD5), art. 13(1)Published—
22 Nov 2022
Published
EBA
RTS
AMLA · Art. 41(2) AMLD6
Art. (2) AMLD6EBA applies, AMLA pending
31 Dec 2026
Expected
No dated step yetAMLA
GL
AMLA · Art. 20(3) AMLR
Art. (3) AMLREBA applies, AMLA pending
31 Dec 2026
Expected
No dated step yetAMLA
GL
AMLA · Art. 9(4) AMLR
Art. (4) AMLREBA applies, AMLA pending
30 Jun 2027
Expected
No dated step yetAMLA
GL
AMLA · Art. 27 AMLR
Art. AMLREBA applies, AMLA pending
30 Jun 2027
Expected
No dated step yetAMLA
GL
AMLA · Art. 42(2) AMLR
Art. (2) AMLREBA applies, AMLA pending
10 Jul 2027
Expected
No dated step yetAMLA
GL
AMLA · Art. 37(3), 40(2) AMLR
Art. (3), (2) AMLREBA applies, AMLA pending
10 Jul 2027
Expected
No dated step yetAMLA
GL
AMLA · Art. 21(4) AMLR
Art. (4) AMLREBA applies, AMLA pending
10 Jul 2027
Expected
No dated step yetAMLA
RTS
AMLA · Art. 49(14), 50(13) AMLD6
Art. (14), (13) AMLD6Announced, no draft
31 Mar 2027
Expected
No dated step yetAMLA
RTS
AMLA · Art. 11(6) AMLAR
Art. (6) AMLARAnnounced, no draft
31 Dec 2026
Expected
No dated step yetAMLA
GL
AMLA · Art. 53(11) AMLD6
Art. (11) AMLD6Announced, no draft
31 Dec 2026
Expected
No dated step yetAMLA
GL
AMLA · Art. 75 AMLR
Art. AMLRAnnounced, no draft
10 Jul 2027
Expected
No dated step yetAMLA
GL
AMLA · Art. 18(8) AMLR
Art. (8) AMLRAnnounced, no draft
10 Jul 2027
Expected
No dated step yetAMLA
GL
AMLA · Art. 50 AMLR
Art. AMLRAnnounced, no draft
10 Jul 2027
Expected
No dated step yetAMLA
GL
AMLA · Art. 32(1) AMLR
Art. (1) AMLRAnnounced, no draft
10 Jul 2027
Expected
No dated step yetAMLA
GL
AMLA · Art. 34(5) AMLR
Art. (5) AMLRAnnounced, no draft
10 Jul 2027
Expected
No dated step yetAMLA
GL
AMLA · Art. 69(5) AMLR
Art. (5) AMLRAnnounced, no draft
10 Jul 2027
Expected
No dated step yetAMLA
NL
DNB · Wwft, Sw 1977
Wwft, Sw 1977Published—No dated step yetDNB
NL
AFM · Wwft
WwftPublished—No dated step yetAFM
NL
FIU-NL · Wwft art. 16; AMLR Art. 69
Wwft art. ; AMLR Art. Published—No dated step yetFIU-NL
NL
MinFin · AMLR Art. 43
AMLR Art. Published—No dated step yetMinFin
At a glance. 32 of the 34 Level-2/3 instruments are not yet definitive. The AMLR itself is final and applies in 255 days; the detailed rules are still to come. The greatest uncertainty sits in:
Status as of 6 Oct 2026. Sources: EBA, AMLA, EUR-Lex.

Next deadlines and expected dates

Latest updates

Status reviewed Oct 6, 2026Sources checked Oct 28, 2026

Latest steps of the RTS, Guidelines and ITS

  • 2026-10-01RTSRTS Business relationship & thresholds: AMLA final report on the draft RTS under Art. 19(9) and 19(11) AMLR · Final report published with the press release of 1 October 2026, together with the RTS on customer due diligence and on group-wide requirements.Source
  • 2026-10-01RTSRTS Business relationship & thresholds: Submitted to the European Commission for adoption · The press release of 1 October 2026 states that the final draft standards are submitted to the Commission; adoption and publication in the Official Journal still to follow.Source
  • 2026-10-01RTSRTS CDD: AMLA final report on the draft RTS under Art. 28(1) AMLR · Final report published with the press release of 1 October 2026, after the statutory deadline of 10 July 2026 that AMLA had moved to the third quarter in its programming document. Compare the final text with the February draft before building on it.Source
  • 2026-10-01RTSRTS CDD: Submitted to the European Commission for adoption · The press release of 1 October 2026 states that the final draft standards are submitted to the Commission; adoption and publication in the Official Journal still to follow.Source
  • 2026-10-01RTSRTS Group-wide requirements: AMLA final report on the draft RTS under Art. 16(4) and 17(3) AMLR · Final report published with the press release of 1 October 2026, together with the RTS on customer due diligence and on business relationships and thresholds.Source
  • 2026-10-01RTSRTS Group-wide requirements: Submitted to the European Commission for adoption · The press release of 1 October 2026 states that the final draft standards are submitted to the Commission; adoption and publication in the Official Journal still to follow.Source

Latest from EBA, AMLA and the Commission

Every day the EBA, AMLA, EUR-Lex and national supervisor pages are fetched; new AML publications appear here with a link to the source.

2Framework

n In consultationn Consultation closed, being finalisedn Final text, awaiting publicationn EBA guideline in force, AMLA successor pendingn Announced, no draft yetn Published
Strategy & Risk
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Governance, policies & oversight
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People, culture & conduct
Client Lifecycle
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112, 4
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, 2,
1,
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Data, technology & detection
14
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3Developments & milestones

Completed

  1. 15 Aug 2026
    Eligibility data for direct supervision due at AMLA
    National supervisors deliver the data on provisionally eligible credit and financial institutions (six or more Member States, reference date 31 December 2025); AMLA expects the provisional list by the end of September 2026.
    AMLA - reporting package for the identification of provisionally eligible obliged entities (12 May 2026)
  2. 1 Jan 2026
    EBA hands over its AML/CFT mandates to AMLA
    All AML/CFT mandates and functions, including the EuReCA database, transferred from the EBA to AMLA. Existing EBA guidelines and standards remain in force until AMLA replaces them (Art. 54(5) AMLAR).
    AMLA - EBA and AMLA complete the handover of AML/CFT mandates (19 Jan 2026)
  3. 1 Jul 2025
    AMLA operational in Frankfurt
    AMLA became operational on 1 July 2025 (Art. 108 AMLAR); the Commission remained responsible for its establishment until 31 December 2025.
    AMLA - Authority for Anti-Money Laundering
  4. 6 Mar 2025
    EBA consults on four RTS under the AML package
    On the Commission's request the EBA consulted the RTS on CDD, on the risk assessment of obliged entities, on AMLA selection and on sanctions (closed 6 June 2025) and delivered its advice on 31 October 2025. AMLA re-consulted three of them in 2026 to hear the non-financial sector.
    EBA - consultation on 4 RTS under the AML package (6 Mar - 6 Jun 2025)

Upcoming

  1. 1 Jan 2027 in 65 days
    Data collection for the 2027 selection (January to March)
    Provisionally eligible institutions report the selection data through their national supervisor, reference date 31 December 2026, in the EBA reporting framework 4.4.
    AMLA - EBA draft reporting framework 4.4 for the 2027 eligibility data collection (4 Aug 2026)
  2. 1 Jul 2027 in 246 days
    AMLA starts the first selection for direct supervision
    Selection of up to 40 cross-border credit and financial institutions from 1 July 2027 (Art. 13(4) AMLAR); the outcome is communicated by the end of 2027 and repeated every three years.
    AMLA - explainer: towards direct supervision, timeline of the 2027 selection (26 Jan 2026)
  3. 1 Jan 2028 in 430 days
    AMLA direct supervision starts during 2028
    Direct supervision begins six months after publication of the selection list (Art. 13(4) AMLAR); AMLA says "during 2028". Shown at 1 January as the earliest date.
    AMLA - explainer: towards direct supervision, timeline of the 2027 selection (26 Jan 2026)
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Beyond 10 July 2027

430 days until AMLA direct supervision (during 2028)

The application date is the start of supervision, not the end of the work. AMLA keeps issuing and revising Guidelines and technical standards, direct supervision starts in 2028, and the AMLR turns compliance into a standing set of recurring obligations.

  1. Now

    Prepare

    Gap analysis against the AMLR text, redesign of onboarding, monitoring and reporting, and responses to AMLA consultations while the RTS, ITS and Guidelines are still being finalised.

  2. 10 Jul 2027

    AMLR applies

    The AMLR obligations apply directly. National supervisors supervise under the national AMLD6 implementation acts. First supervisory reviews test the new customer due diligence, beneficial-ownership and reporting processes.

  3. 2028

    AMLA direct supervision

    AMLA directly supervises the first group of up to 40 cross-border financial institutions selected in 2027, through joint supervisory teams with the national supervisors. AMLA can also take over supervision of other entities in specific cases and coordinates the supervisory colleges.

  4. 10 Jul 2029

    Football sector

    Professional football clubs and agents become obliged entities. Institutions serving them adjust their risk assessment and due diligence.

  5. Ongoing

    Maintain

    AMLA keeps issuing and revising Guidelines, Q&As and technical standards; the Commission updates the high-risk third-country list and runs the supranational risk assessment. Compliance shifts from a project to a standing register of obligations, reviews and findings.

Recurring obligations after go-live

ObligationWhat it involvesCadenceFramework blocks
Business-wide risk assessment (SIRA)Reassess ML/TF risks per product, customer, country and channel; document and approve.At least yearly, and after material change
Business Wide Risk Assessment / SIRARisk AppetitePolicies & procedures
Periodic customer reviewsRefresh customer data, beneficial owners and risk classification; event-driven reviews on triggers.Per risk class (high risk yearly)
Periodic reviewClient Risk Assessment resulting in new/updated/confirmed AML/CFT risk classification
Compliance reporting to the management bodyThe compliance officer reports on the state of compliance, findings and resources.At least yearly
Compliance functionGovernanceManagement information & reporting
Suspicious transaction reportingReport to the FIU on the common template; keep the analysis behind each report.Continuous
FIU ReportingAlert handling
Training and awarenessTrain staff and the management body; keep records.Yearly and at onboarding
Employee Training & Awareness
Regulatory watchFollow new and revised AMLA Guidelines, RTS/ITS, the high-risk country list and national guidance.Continuous (this site checks sources daily)
Policies & proceduresRisk Management and Controls
Supervisory data and AMLA selectionDeliver the data that feeds the supervisory risk profile; prepare for possible selection for direct supervision.Selection rounds every three years
Management information & reportingData & analytics
Record retention and data protectionKeep records five years, then delete; balance with the GDPR.Continuous
Record RetentionData & analytics

Frequently asked questions

What is the AMLR?

The AMLR is Regulation (EU) 2024/1624, the EU Anti-Money Laundering Regulation. It is the "single rulebook" of the EU AML package: directly applicable customer due diligence, beneficial ownership, internal control and reporting obligations for obliged entities across the EU. It applies from 10 July 2027.

When does the AMLR apply?

The AMLR applies from 10 July 2027 (Article 90). Football clubs and agents follow from 10 July 2029. The same date, 10 July 2027, is the transposition deadline of the Sixth Anti-Money Laundering Directive (AMLD6, Directive (EU) 2024/1640).

What is the difference between an RTS, an ITS and a Guideline?

A Regulatory Technical Standard (RTS) is a binding delegated act that specifies how an AMLR article must be applied; AMLA drafts it and the European Commission adopts it. An Implementing Technical Standard (ITS) is a binding act that sets formats and templates, such as the template for reporting suspicious transactions. Guidelines are issued by AMLA on a comply-or-explain basis and set supervisory expectations without being directly binding law.

Who is AMLA?

AMLA is the Authority for Anti-Money Laundering and Countering the Financing of Terrorism, established by Regulation (EU) 2024/1620 and based in Frankfurt. It became operational in 2025, develops the RTS, ITS and Guidelines under the AML package, and will directly supervise a first group of up to 40 cross-border financial institutions from 2028.

What does the AMLR mean for my organisation?

If you are an obliged entity today, the AMLR applies to you from 10 July 2027: the topics of your current AML law, set by one EU regulation, with a compliance manager at management-body level, EU-wide rules for customer due diligence and beneficial ownership, harmonised enhanced due diligence and suspicion reporting on one EU template. AMLA writes the detailed rules, but for most organisations the national supervisor stays; only credit and financial institutions active in at least six Member States can come under direct AMLA supervision and pay its annual fee.

What does "RTS in consultation" mean?

A draft RTS has been published for public consultation. Obliged entities and industry bodies can respond until the consultation closes. After that the draft is finalised, submitted to the European Commission and adopted as a delegated regulation, then published in the Official Journal of the EU.

What changes for Dutch institutions compared with the Wwft?

Most Wwft obligations are replaced by the directly applicable AMLR; the Dutch implementation act keeps national elements such as supervision by DNB, AFM and BFT, FIU-Netherlands reporting and possibly lower cash limits. Key changes include suspicion-based reporting instead of "unusual transaction" indicators, an EU-wide beneficial ownership threshold, a board-level compliance manager and harmonised enhanced due diligence.

What happens after 10 July 2027?

From 10 July 2027 the AMLR obligations apply and national supervisors review compliance under the AMLD6 implementation act. From 2028 AMLA directly supervises a first group of up to 40 cross-border financial institutions selected in 2027, with new selection rounds every three years. From 10 July 2029 football clubs and agents are covered. AMLA keeps issuing and revising Guidelines, Q&As and technical standards, so compliance becomes a standing cycle of risk assessments, periodic customer reviews, reporting and training rather than a one-off project.

What can I do with AMLR Monitor?

The public dashboard shows the status of every RTS, Guideline and ITS under the AMLR, filtered by type of obliged entity, mapped onto a compliance framework with article links and "what changes" notes. The workspace (free account per organisation) adds a company profile with an AI impact assessment, a readiness tracker shown as a heat map, country-specific points for every EU country, an AI consultant that knows your organisation, consultation tracking, daily source alerts, tasks, a team, exports and a board report.

How often is this dashboard updated?

Regulatory statuses are reviewed manually and dated on the page. In addition, an automated check fetches the EBA, AMLA, EUR-Lex and DNB source pages every day and lists any new AML-related publication for signed-in users in the workspace.

Who must comply with the AMLR?

Every obliged entity in Article 3 AMLR: credit and financial institutions, payment and e-money institutions, investment firms and fund managers, life insurers, crypto-asset service providers, crowdfunding platforms, trust and company service providers, accountants, tax advisers, lawyers and notaries for listed transactions, estate agents, dealers in high-value goods, gambling operators and, from 2029, professional football clubs and agents. The overview page lists every type with its scope.

What is the AMLR cash limit?

Traders in goods and services may not accept cash payments of 10,000 euro or more (Article 80 AMLR). Member States may set a lower limit; the Netherlands has 3,000 euro. Payments between private individuals and payments at credit, payment and e-money institutions are excluded.

What is the beneficial ownership threshold under the AMLR?

25 percent of shares, voting rights or other ownership interest, directly or indirectly, plus control through other means such as veto rights or the power to appoint the majority of the board (Articles 51 to 56). Member States may set a lower threshold for high-risk sectors.

Does the AMLR apply to crypto-asset service providers?

Yes. MiCA-licensed CASPs are obliged entities under the AMLR with specific enhanced due diligence for cross-border correspondent relationships and self-hosted addresses (Articles 37 and 38), next to the Transfer of Funds Regulation travel rule.

What do the statuses on the dashboard mean?

In consultation: a draft is open for comment. Consultation closed, being finalised: AMLA processes the responses. Final text, awaiting publication: adopted or submitted to the Commission, not yet in the Official Journal. EBA guideline in force, AMLA successor pending: the current EBA guideline applies today; AMLA's replacement under the AMLR is not yet consulted on or published. Published: in force or applying from the date shown.

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