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

Consultation on draft Guidelines under Articles 17 and 18(4) of Directive (EU) 2015/849 on customer due diligence and ML/TF risk factors

  • Status: Closed
  • Deadline: 6 JULY 2020
Consultation paper

(1.87 MB - PDF) Last update 5 February 2020


The form is now closed.

Public hearings

Public hearing on draft revised ML/TF Risk Factors Guidelines


(3.11 MB - Powerpoint Presentation) Last update 15 May 2020

Press contacts

Franca Rosa Congiu