From AMLD4 to today
Every step in the EU AML/CFT framework with its exact date and what actually changed — an act adopted, published, entering into force, a directive's transposition deadline, or an RTS moving from consultation to final report.
Background — AMLD4 and AMLD5 (2015–2020)
The directive-based regime that still governs today. AMLD4 set the framework; AMLD5 extended it to crypto-asset service providers, prepaid cards and beneficial ownership register access. Both are repealed by AMLD6 with effect from 10 July 2027.
- Adopted
Directive (EU) 2015/849 (AMLD4)
Directive
Adopted 20 May 2015, published in OJ L 141 on 5 June 2015, entered into force 25 June 2015, transposition deadline 26 June 2017.
Still the operative regime through national law, heavily amended by AMLD5. Repealed by AMLD6 from 10 July 2027.
eur-lex.europa.eu/eli/dir/2015/849/oj/eng ↗ - Adopted
Delegated Regulation (EU) 2016/1675 — high-risk third countries
Delegated Regulation (RTS-type)
Adopted under the AMLD4 mandate, published in the OJ on 20 September 2016, entered into force 9 October 2016. Amended repeatedly since (e.g. 2018/105, 2020/855, and the amendment adopted by the Commission on 10 June 2025 as C(2025) 3815 final).
In force. Always use the consolidated version — the country list changes several times a year.
eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX%3A02016R1675-20250805 ↗ - Adopted
Delegated Regulation (EU) 2018/1108 — central contact points RTS
RTS (adopted delegated act)
RTS on the criteria for appointing central contact points for e-money issuers and payment service providers. OJ L 203.
Applies until an AMLR-era instrument replaces it.
eur-lex.europa.eu/eli/reg_del/2018/1108/oj/eng ↗ - Adopted
Directive (EU) 2018/843 (AMLD5)
Directive
Adopted 30 May 2018, published in OJ L 156 on 19 June 2018, entered into force 9 July 2018, transposition deadline 10 January 2020. Brought virtual-currency exchange and custodian wallet providers into scope and opened beneficial ownership registers.
Applies through national transpositions until 10 July 2027.
eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32018L0843 ↗ - Adopted
Regulation (EU) 2018/1672 — controls on cash entering or leaving the Union
Regulation
Repeals Regulation (EC) 1889/2005. Applies from 3 June 2021.
Fully applicable since 3 June 2021.
eur-lex.europa.eu/eli/reg/2018/1672/oj/eng ↗ - Adopted
Directive (EU) 2018/1673 — criminalisation of money laundering
Directive
OJ L 284. Transposition deadline 3 December 2020. Amended by Directive (EU) 2024/1226.
In force through national criminal law.
eur-lex.europa.eu/eli/dir/2018/1673/oj/eng ↗ - Adopted
Delegated Regulation (EU) 2019/758 — third-country group measures RTS
RTS (adopted delegated act)
Supplements AMLD4 Article 45(7) on minimum action where third-country law prevents group-wide policies. OJ L 125, 14 May 2019.
Applies until replaced by the AMLR Article 16(4)/17(3) RTS now in preparation at AMLA.
eur-lex.europa.eu/eli/reg_del/2019/758/oj/eng ↗ - Adopted
Directive (EU) 2019/1153 — law enforcement access to financial information
Directive
OJ L 186. Transposition deadline 1 August 2021.
In force.
eur-lex.europa.eu/legal-content/EN/NIM/?uri=CELEX%3A32019L1153 ↗
The 2021–2024 AML package
The Commission's July 2021 proposals became the four acts that replace the directive-only regime with a directly applicable single rulebook plus an EU-level supervisor.
- Milestone
Commission AML package proposals
Legislative proposals
COM(2021) 420 (AMLR), COM(2021) 421 (AMLAR), plus the AMLD6 and TFR recast proposals.
Superseded by the adopted texts below.
eur-lex.europa.eu/legal-content/EN/TXT/HTML/?uri=CELEX%3A52021PC0420 ↗ - Adopted
Regulation (EU) 2023/1113 (TFR recast) — transfers of funds and crypto-assets
Regulation
Published in the OJ 9 June 2023, entered into force 29 June 2023, applies from 30 December 2024.
Fully applicable since 30 December 2024 — the travel rule for crypto-asset transfers.
eur-lex.europa.eu/eli/reg/2023/1113/oj ↗ - Adopted
Delegated Regulation (EU) 2024/595 — central AML/CFT database RTS
RTS (adopted delegated act)
Published in the OJ 16 February 2024. Standards for reporting material weaknesses (EuReCA).
In force. The function sits with AMLA after the 1 January 2026 handover.
eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ%3AL_202400595 ↗ - Milestone
AMLA seat set in Frankfurt
Institutional milestone
Parliament and Council agreed Frankfurt as the seat of the Anti-Money Laundering Authority.
Settled.
www.consilium.europa.eu/en/press/press-releases/2024/02/22/frankfurt-to-host-the-eus-new-anti-money-laundering-authority-amla/ ↗ - Adopted
Regulation (EU) 2024/1624 (AMLR) — the single rulebook
Regulation
Published in the OJ 19 June 2024, entered into force 9 July 2024. Applies from 10 July 2027 under Article 90, with limited later dates.
Not yet applicable. All operational obligations begin 10 July 2027.
eur-lex.europa.eu/eli/reg/2024/1624/oj ↗ - Adopted
Directive (EU) 2024/1640 (AMLD6) — supervision, FIUs, registers
Directive
Published in the OJ 19 June 2024, entered into force 9 July 2024. Transposition deadline 10 July 2027, with later dates for register interconnection. Repeals AMLD4 and AMLD5 from 10 July 2027.
Transposition ongoing in the Member States.
eur-lex.europa.eu/eli/dir/2024/1640/oj ↗ - Adopted
Regulation (EU) 2024/1620 (AMLAR) — establishing AMLA
Regulation
Entered into force 26 June 2024. Most provisions apply from 1 July 2025; direct supervision of selected obliged entities starts 1 January 2028.
In force. AMLA is operational; direct supervision begins 2028.
eur-lex.europa.eu/eli/reg/2024/1620/oj ↗
AMLA takes over (2025–2026)
AMLA started operations on 1 July 2025 and took over the EBA's AML/CFT mandates on 1 January 2026. From here the change that matters is each RTS/ITS moving consultation → final report → Commission adoption → Official Journal. Nothing below has been adopted by the Commission and published in the OJ yet.
- Milestone
Bruna Szego appointed AMLA Chair
Institutional milestone
Approved by the European Parliament on 18 December 2024, formally appointed by the Council on 21 January 2025.
Current.
www.amla.europa.eu/bruna-szego_en ↗ - Milestone
AMLA takes up operations in Frankfurt
Institutional milestone
AMLA formally begins work; the 2025 work programme is published the same day.
Operational.
www.amla.europa.eu/ ↗ - Final report
EBA final response to the Commission Call for Advice on six AMLA mandates
Final report (EBA/REP/2025/35)
EBA delivered its advice and draft standards to the Commission shortly before the handover.
Superseded operationally by AMLA's own mandate from 1 January 2026.
www.eba.europa.eu/regulation-and-policy/anti-money-laundering-and-countering-financing-terrorism ↗ - Final report
Draft RTS on the risk assessment for selecting entities for direct supervision
RTS — Article 12(7) AMLAR
Moved from consultation to final report submitted to the Commission.
Draft. Not adopted, not in the OJ. Text can still change.
www.amla.europa.eu/system/files/2025-12/2.1_20251216_Final%20report%20-%20RTS%20under%20art.%2012%287%29%20AMLAR.pdf ↗ - Final report
Draft RTS on the inherent and residual risk profile of obliged entities — financial sector
RTS — Article 40(2) AMLD6
Moved from consultation to final report submitted to the Commission. The non-financial sector was split out into a separate consultation in July 2026.
Draft. Not adopted, not in the OJ.
www.amla.europa.eu/document/download/c8782141-45bf-4ef9-9d66-33e2f90e607e_en?filename=1.1_20251216_FINAL+REPORT+RTS+40%282%29+AMLD+financial+only_Final.pdf ↗ - Consultation
Consultation on draft ITS on supervisory cooperation
ITS — Article 15(3) AMLAR
Consultation opened 16 December 2025, closed 27 January 2026.
Later became a final report on 21 July 2026 (below).
www.amla.europa.eu/policy/public-consultations/consultation-draft-its-under-art-153-amlar_en ↗ - Milestone
EBA AML/CFT mandates transferred to AMLA
Article 54 AMLAR
All EU-level AML/CFT standard-setting for the financial sector moved from the EBA to AMLA.
Under Article 54(5) AMLAR, existing EBA guidelines and standards keep applying until an AMLA instrument covers the same subject.
www.amla.europa.eu/eba-and-amla-complete-handover-amlcft-mandates_en ↗ - Consultation
Consultation on draft RTS on customer due diligence
RTS — Article 28(1) AMLR
Opened 9 February 2026, closed 8 May 2026; public hearing 24 March 2026.
Closed. Final text pending; the consultation draft is the newest public text.
www.amla.europa.eu/policy/public-consultations/consultation-draft-rts-customer-due-diligence_en ↗ - Consultation
Consultation on draft RTS on business relationships, occasional and linked transactions and lower thresholds
RTS — Article 19(9) AMLR
Opened 9 February 2026; public hearing 24 March 2026.
Closed. Final text pending.
www.amla.europa.eu/amla-hold-public-hearing-two-draft-rts_en ↗ - Consultation
Consultation on draft guidelines on the business-wide risk assessment
Guidelines — Article 10(4) AMLR
Opened 16 April 2026 alongside the group-wide requirements RTS, closed 15 July 2026.
Closed. Final text pending.
www.amla.europa.eu/policy/public-consultations/consultation-draft-guidelines-business-wide-risk-assessment_en ↗ - Consultation
Consultation on draft RTS on group-wide minimum requirements and third-country branches and subsidiaries
RTS — Articles 16(4) and 17(3) AMLR
Opened 16 April 2026.
Closed. Will replace Delegated Regulation (EU) 2019/758 once adopted.
www.amla.europa.eu/policy/public-consultations/consultation-draft-rts-group-wide-minimum-requirements-and-additional-measures-subsidiaries-and_en ↗ - Consultation
Consultation on draft RTS on home–host supervisory cooperation
RTS — Article 46(4) AMLD6
Public hearing held 28 May 2026.
Closed. Final text pending.
www.amla.europa.eu/document/download/3d36e49e-c78c-49b0-9d90-e1e21e4ca650_en?filename=Consultation+Paper+under+Article+46%284%29+AMLD.pdf ↗ - Consultation
Consultation on draft guidelines on ongoing monitoring of a business relationship
Guidelines — Article 26(5) AMLR
Opened 3 June 2026, closed 3 September 2026 at 23:59 CEST.
Closed. Final text pending.
www.amla.europa.eu/policy/public-consultations/consultation-draft-guidelines-ongoing-monitoring-business-relationship_en ↗ - Consultation
Consultation on draft ITS on the format for reporting suspicions and transaction records
ITS — Article 69(3) AMLR
Opened 2 July 2026; public hearing 9 September 2026; closes 20 September 2026.
Open at the time of writing.
www.amla.europa.eu/policy/public-consultations/consultation-draft-its-format-reporting-suspicions-and-providing-transaction-records_en ↗ - Consultation
Consultation on draft RTS on cross-border information exchange between FIUs
RTS — Article 31(3) AMLD6
Opened 6 July 2026, closes 6 October 2026.
Open at the time of writing.
www.amla.europa.eu/policy/public-consultations/consultation-draft-rts-cross-border-information-exchange-between-financial-intelligence-units_en ↗ - Final report
Draft RTS on pecuniary sanctions, administrative measures and periodic penalty payments
RTS — Article 53(10) AMLD6
Consultation opened 9 February 2026; final report published 8 July 2026 and submitted to the Commission.
Draft. Not adopted, not in the OJ.
www.amla.europa.eu/document/download/9bf678c2-a39b-4d6a-a12c-8cc6d5aca59c_en?filename=Final+Report+-+RTS+under+Article+53%2810%29+AMLD.pdf ↗ - Consultation
Consultation on draft RTS on the risk profile of obliged entities — non-financial sector
RTS — Article 40(2) AMLD6
Opened 13 July 2026; public hearing 10 September 2026; closes 27 September 2026.
Open at the time of writing.
www.amla.europa.eu/policy/public-consultations/consultation-draft-rts-assessment-inherent-and-residual-risk-profile-obliged-entities-non-financial_en ↗ - Final report
Draft ITS on cooperation within the AML/CFT supervisory system for direct supervision
ITS — Article 15(3) AMLAR
Moved from consultation (closed 27 January 2026) to final report submitted to the Commission.
Draft. Not adopted, not in the OJ.
www.amla.europa.eu/document/download/523b7780-4035-40c4-9d64-f1947ca0259a_en?filename=Final+report+-+ITS+under+Article+15%283%29+AMLAR.pdf ↗ - Final report
Draft ITS on the format for FIU reporting to the EPPO
ITS — Article 81(1) AMLR
Listed as a final report on AMLA's regulatory instruments overview. Exact publication day not stated on the source page.
Draft. Not adopted, not in the OJ.
www.amla.europa.eu/policy/regulatory-instruments_en ↗
What this chronology does not claim
- No AMLA final report has yet been adopted by the European Commission as a delegated or implementing regulation and published in the Official Journal. Every RTS and ITS listed for 2025–2026 is still a draft.
- For a few items AMLA's overview page states only the month, not the day — the draft ITS under Article 81(1) AMLR and the draft ITS under Article 41(2) AMLAR. The day is left out here rather than guessed.
- AMLA's consultations and regulatory instruments pages are the authoritative running index and are updated continuously. The nightly check reads them; anything it finds appears on the News page.