Guidelines on ML/TF risk factors

  • Status: Final and awaiting translation into the EU official languages

These revised guidelines on ML/TF risk factors take into account changes to the EU Anti Money Laundering and Counter Terrorism Financing (AML/CFT) legal framework and new ML/TF risks, including those identified by the EBA’s implementation reviews and in the ESAs’ 2019 Joint Opinion on ML/TF risks. They include new guidance on ML/TF risk assessments, customer due diligence for beneficial owners and compliance with the provisions on enhanced customer due diligence related to high-risk third countries. They also incorporate new sectoral guidance on crowdfunding platforms, corporate finance, payment initiation services providers (PISPs) and account information service providers (AISPs) and for firms providing activities of currency exchange offices.

Summary of document history

Current version Ongoing versions

Final report on Guidelines on risk factors

  • Status: In force
  • Application date:
  • Compliance deadline:
Final Guidelines on Risk Factors (JC 2017 37)

(995.83 KB - PDF) Last update 29 June 2017

JC GL 2017 37-CT - (updated) - GLs on simplified and enhanced customer-MLT financing risk.pdf

(252.4 KB - PDF) Last update 23 October 2020

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