On 9 February 2026, the Anti-Money Laundering Authority (AMLA) published consultation papers on three draft Regulatory Technical Standards (RTS) in relation to customer due diligence rules, as part of developing harmonised standards for the financial and non-financial sector while ensuring consistent application and enforcement across the EU.

Summary

In relation to uniform standards for the private sector and consistent enforcement across the EU, AMLA published the following:

  1. The draft RTS on Business Relationships establish criteria for identifying business relationships, occasional transactions and linked transactions, which form the structural basis upon which customer due diligence obligations apply.
  2. The draft RTS on Customer Due Diligence build on the anti-money laundering (AML) Regulation framework and set out how obliged entities verify customer identity and conduct ongoing monitoring in a risk-sensitive and proportionate way. 
  3. The draft RTS on Enforcement establish a common supervisory approach to assessing, categorising and responding to breaches of institutions’ AML/counter-terrorist financing obligations.

Next steps

An online Public Hearing on the draft RTS on Business Relationships and Customer Due Diligence is scheduled for 24 March 2026.

AMLA has asked for responses to the consultation on Business Relationships by 9 March 2026, and in relation to Customer Due Diligence and Enforcement by 8 May 2026.