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Fourth Anti-Money Laundering Directive (AMLD4)

Directive (EU) 2015/849 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing
32015L0849 · official text on EUR-Lex

Articles

Chapter I GENERAL PROVISIONS

Section 1 Subject-matter, scope and definitions

• Article 1
• Article 2
• Article 3 — For the purposes of this Directive, the following definitions apply:
• Article 4
• Article 5

Section 2 Risk assessment

• Article 6
• Article 7
• Article 8

Section 3 Third-country policy

• Article 9

Chapter II CUSTOMER DUE DILIGENCE

Section 1 General provisions

• Article 10
• Article 11 — Member States shall ensure that obliged entities apply customer due diligence measures in the following circumstances:
• Article 12
• Article 13
• Article 14

Section 2 Simplified customer due diligence

• Article 15
• Article 16
• Article 17

Section 3 Enhanced customer due diligence

• Article 18
• Article 19 — With respect to cross-border correspondent relationships with a third-country respondent institution, Member States shall, in addition to the customer due diligence measures laid down in Article 13, require their credit institutions and financial institutions to:
• Article 20 — With respect to transactions or business relationships with politically exposed persons, Member States shall, in addition to the customer due diligence measures laid down in Article 13, require obliged entities to:
• Article 21 — Member States shall require obliged entities to take reasonable measures to determine whether the beneficiaries of a life or other investment-related insurance policy and/or, where required, the beneficial owner of the beneficiary are politically exposed persons. Those measures shall be taken no later than at the time of the payout or at the time of the assignment, in whole or in part, of the policy. Where there are higher risks identified, in addition to applying the customer due diligence measures laid down in Article 13, Member States shall require obliged entities to:
• Article 22
• Article 23
• Article 24

Section 4 Performance by third parties

• Article 25
• Article 26
• Article 27
• Article 28 — Member States shall ensure that the competent authority of the home Member State (for group-wide policies and procedures) and the competent authority of the host Member State (for branches and subsidiaries) may consider an obliged entity to comply with the provisions adopted pursuant to Articles 26 and 27 through its group programme, where all of the following conditions are met:
• Article 29

Chapter III BENEFICIAL OWNERSHIP INFORMATION

• Article 30
• Article 31

Chapter IV REPORTING OBLIGATIONS

Section 1 General provisions

• Article 32
• Article 33
• Article 34
• Article 35
• Article 36
• Article 37
• Article 38

Section 2 Prohibition of disclosure

• Article 39

Chapter V DATA PROTECTION, RECORD-RETENTION AND STATISTICAL DATA

• Article 40
• Article 41
• Article 42
• Article 43
• Article 44

Chapter VI POLICIES, PROCEDURES AND SUPERVISION

Section 1 Internal procedures, training and feedback

• Article 45
• Article 46

Section 2 Supervision

• Article 47
• Article 48

Section 3 Cooperation

• Article 49 — Member States shall ensure that policy makers, the FIUs, supervisors and other competent authorities involved in AML/CFT have effective mechanisms to enable them to cooperate and coordinate domestically concerning the development and implementation of policies and activities to combat money laundering and terrorist financing, including with a view to fulfilling their obligation under Article 7.
• Article 50 — The competent authorities shall provide the ESAs with all the information necessary to allow them to carry out their duties under this Directive.
• Article 51
• Article 52
• Article 53
• Article 54
• Article 55
• Article 56
• Article 57

Section 4 Sanctions

• Article 58
• Article 59
• Article 60
• Article 61
• Article 62

Chapter VII FINAL PROVISIONS

• Article 63 — Point (d) of paragraph 2 of Article 25 of Regulation (EU) No 648/2012 of the European Parliament and the Council (32) is replaced by the following:
• Article 64
• Article 65
• Article 66 — Directives 2005/60/EC and 2006/70/EC are repealed with effect from 26 June 2017.
• Article 67
• Article 68
• Article 69 — This Directive is addressed to the Member States.