# Instrument Metadata
# Output tuned for LLM consumption -- deterministic parse of the
# EUR-Lex source, no LLM involved in generation.

instrument_id: amld-4
celex: "32015L0849"
eli: "http://data.europa.eu/eli/dir/2015/849/oj"
full_title: Anti-Money Laundering Directive (EU) 2015/849
short_title: AMLD4
instrument_type: directive
document_type: directive
normative_weight: binding
jurisdiction: EU
effective_period:
  from: "2015-05-20"
  to: null
dates:
  adopted: "2015-05-20"
status: in_force
legal_status: in_force
structure_levels:
  - title
  - chapter
  - article
total_articles: 81
total_recitals: 0
total_annexes: 4
definitions_article: 3
chunk_strategy: by_chapter
chunks:
  - /amld-4/chunks/amld-4_t01_ch01_subject_matter_scope_and_definitions.md
  - /amld-4/chunks/amld-4_t01_ch02_risk_assessment.md
  - /amld-4/chunks/amld-4_t01_ch03_third_country_policy.md
  - /amld-4/chunks/amld-4_t02_ch01_general_provisions.md
  - /amld-4/chunks/amld-4_t02_ch02_simplified_customer_due_diligence.md
  - /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
  - /amld-4/chunks/amld-4_t02_ch04_performance_by_third_parties.md
  - /amld-4/chunks/amld-4_t03_beneficial_ownership_information.md
  - /amld-4/chunks/amld-4_t04_ch01_general_provisions.md
  - /amld-4/chunks/amld-4_t04_ch02_prohibition_of_disclosure.md
  - /amld-4/chunks/amld-4_t05_data_protection_record_retention_and_sta.md
  - /amld-4/chunks/amld-4_t06_ch01_internal_procedures_training_and_feedbac.md
  - /amld-4/chunks/amld-4_t06_ch02_supervision.md
  - /amld-4/chunks/amld-4_t06_ch03_cooperation.md
  - /amld-4/chunks/amld-4_t06_ch04_sanctions.md
  - /amld-4/chunks/amld-4_t07_final_provisions.md
  - /amld-4/chunks/annexes.md
key_dates:
  - date: "2015-05-20"
    type: lifecycle
    context: "Adopted"
  - date: "2016-12-26"
    type: deadline
    article: "45"
    context: "…technical standards referred to in the first subparagraph to the Commission by 26 December 2016. 7. Power is delegated to the…"
  - date: "2016-12-26"
    type: deadline
    article: "6"
    context: "…notify the Commission thereof and provide a justification for such a decision. 5. By 26 December 2016, the ESAs, through the Joint…"
  - date: "2017-06-26"
    type: application
    article: "66"
    context: "Directives 2005/60/EC and 2006/70/EC are repealed with effect from 26 June 2017. References to the repealed…"
  - date: "2017-06-26"
    type: deadline
    article: "17"
    context: "By 26 June 2017, the ESAs shall issue guidelines,…"
  - date: "2017-06-26"
    type: deadline
    article: "18"
    context: "…at least the factors of potentially higher-risk situations set out in Annex III. 4. By 26 June 2017, the ESAs shall issue guidelines,…"
  - date: "2017-06-26"
    type: deadline
    article: "45"
    context: "…technical standards referred to in the first subparagraph to the Commission by 26 June 2017. 11. Power is delegated to the…"
  - date: "2017-06-26"
    type: deadline
    article: "48"
    context: "…that those self-regulatory bodies comply with paragraph 2 of this Article. 10. By 26 June 2017, the ESAs shall issue guidelines,…"
  - date: "2017-06-26"
    type: deadline
    article: "67"
    context: "…regulations and administrative provisions necessary to comply with this Directive by 26 June 2017. Member States shall apply Article…"
  - date: "2017-06-26"
    type: review
    article: "6"
    context: "…market and relating to cross-border activities. To that end, the Commission shall, by 26 June 2017, draw up a report identifying,…"
  - date: "2019-01-10"
    type: deadline
    article: "10"
    context: "…safe-deposit boxes be subject to customer due diligence measures no later than 10 January 2019 and in any event before such…"
  - date: "2019-01-10"
    type: deadline
    article: "57a"
    context: "…shall be subject to the conditions of professional secrecy indicated in paragraph 1. By 10 January 2019, the competent authorities…"
  - date: "2019-06-01"
    type: deadline
    article: "65"
    context: "…a risk-based application of the measures referred to in point (b) of Article 20. 2. By 1 June 2019, the Commission shall assess the…"
  - date: "2019-07-10"
    type: deadline
    article: "31"
    context: "…legal basis of the trusts and similar legal arrangements referred to in paragraph 1 by 10 July 2019. The Commission shall publish the…"
  - date: "2019-09-10"
    type: review
    article: "31"
    context: "…trusts and similar legal arrangements in the Official Journal of the European Union by 10 September 2019. By 26 June 2020, the Commission…"
  - date: "2020-01-10"
    type: deadline
    article: "67"
    context: "…of 10 July 2020. Member States shall set up the registers referred to in Article 30 by 10 January 2020 and the registers referred to in…"
  - date: "2020-03-10"
    type: deadline
    article: "67"
    context: "…to in Article 30 by 10 January 2020 and the registers referred to in Article 31 by 10 March 2020 and the centralised automated…"
  - date: "2020-06-26"
    type: review
    article: "31"
    context: "…arrangements in the Official Journal of the European Union by 10 September 2019. By 26 June 2020, the Commission shall submit a report…"
  - date: "2020-06-26"
    type: review
    article: "32a"
    context: "…Directive to be accessible and searchable through the centralised mechanisms. 5. By 26 June 2020, the Commission shall submit a report…"
  - date: "2020-09-10"
    type: deadline
    article: "67"
    context: "…by 10 March 2020 and the centralised automated mechanisms referred to in Article 32a by 10 September 2020. The Commission shall ensure the…"
  - date: "2020-12-31"
    type: review
    article: "32b"
    context: "…electronic data retrieval systems where such registers or systems are available. 2. By 31 December 2020, the Commission shall submit a report…"
  - date: "2021-03-10"
    type: deadline
    article: "67"
    context: "…of registers referred to in Articles 30 and 31 in cooperation with the Member States by 10 March 2021. Member States shall immediately…"
  - date: "2022-01-11"
    type: review
    article: "65"
    context: "1. By 11 January 2022, and every three years thereafter,…"
  - date: "2024-01-01"
    type: deadline
    article: "24a"
    context: "By 1 January 2024, EBA shall issue guidelines…"
  - date: "2024-06-30"
    type: deadline
    article: "19b"
    context: "…measures to be taken to mitigate the risks associated with the respondent entity. 3. By 30 June 2024, EBA shall issue guidelines to…"
  - date: "2024-12-30"
    type: application
    article: "67"
    context: "…the text of those measures to the Commission. They shall apply those measures from 30 December 2024."
  - date: "2024-12-30"
    type: deadline
    article: "18"
    context: "…and, where appropriate and proportionate, specific measures shall be laid down. 5. By 30 December 2024, EBA shall issue guidelines on risk…"
  - date: "2024-12-30"
    type: deadline
    article: "19a"
    context: "…sanctions and proliferation financing-related targeted financial sanctions. 2. By 30 December 2024, EBA shall issue guidelines to…"
  - date: "2024-12-30"
    type: deadline
    article: "67"
    context: "…in the field covered by this Directive. 3. Member States shall adopt and publish, by 30 December 2024, the laws, regulations and…"

generated_at: "2026-09-08T12:36:52.224Z"

articles:
  - article_number: 1
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t01_ch01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Chapter 1 > Article 1"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - scope
      - definitions
    keywords:
      - transfer
      - POS
      - system
      - property
      - criminal activity
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 2
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t01_ch01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Chapter 1 > Article 2"
    applies_to_entities:
      - credit_institutions
      - member_states
      - european_commission
      - financial_entities
    topics:
      - aml
      - scope
      - definitions
      - risk_assessment
    keywords:
      - SCA
      - transaction
      - POS
      - agent
      - RTS
      - ITS
      - credit institution
      - financial institution
      - property
      - trust or company service provider
      - gambling services
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 6
    external_references:
      - instrument_type: directive
        reference: "2007/64/EC"
    recitals: []

  - article_number: 3
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t01_ch01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Chapter 1 > Article 3"
    applies_to_entities:
      - credit_institutions
      - member_states
      - financial_entities
    topics:
      - aml
      - scope
      - definitions
      - fraud_prevention
      - liability
      - insurance
      - beneficial_ownership
      - pep
      - investment_funds
      - trading_venues
      - crypto_assets
    keywords:
      - fraud
      - liability
      - transaction
      - transfer
      - electronic money
      - POS
      - branch
      - clearing
      - system
      - RTS
      - ITS
      - credit institution
      - financial institution
      - property
      - criminal activity
      - self-regulatory body
      - beneficial owner
      - trust or company service provider
      - correspondent relationship
      - politically exposed person
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 1
        paragraph: "1"
      - target: Article 2
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2009/138/EC"
      - instrument_type: directive
        reference: "2013/34"
      - instrument_type: directive
        reference: "2013/34/EU"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1113"
    recitals: []

  - article_number: 4
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t01_ch01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Chapter 1 > Article 4"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - scope
      - definitions
      - risk_assessment
    keywords:
      - POS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 5
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t01_ch01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Chapter 1 > Article 5"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - scope
      - definitions
    keywords:
      - ITS
    contains:
      obligations: false
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 6
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t01_ch02_risk_assessment.md
    path: "Title 1 > Chapter 2 > Article 6"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - aml
      - risk_assessment
    keywords:
      - transaction
      - cross-border
      - RTS
      - ITS
      - EBA
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 9
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 7
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t01_ch02_risk_assessment.md
    path: "Title 1 > Chapter 2 > Article 7"
    applies_to_entities:
      - member_states
      - european_banking_authority
      - european_commission
    topics:
      - aml
      - risk_assessment
      - data_protection
      - suspicious_transactions
    keywords:
      - data
      - RTS
      - ITS
      - EBA
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 6
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 8
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t01_ch02_risk_assessment.md
    path: "Title 1 > Chapter 2 > Article 8"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - risk_assessment
      - customer_due_diligence
      - internal_control
    keywords:
      - transaction
      - reporting
      - senior management
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 9
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t01_ch03_third_country_policy.md
    path: "Title 1 > Chapter 3 > Article 9"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
    keywords:
      - sanction
      - transaction
      - POS
      - system
      - RTS
      - beneficial owner
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: true
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 64
    external_references: []
    recitals: []

  - article_number: 10
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch01_general_provisions.md
    path: "Title 2 > Chapter 1 > Article 10"
    applies_to_entities:
      - credit_institutions
      - member_states
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - POS
      - credit institution
      - financial institution
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 11
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch01_general_provisions.md
    path: "Title 2 > Chapter 1 > Article 11"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
      - funds_transfer
    keywords:
      - transaction
      - transfer
      - data
      - business relationship
      - gambling services
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "2015/847"
    recitals: []

  - article_number: 12
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch01_general_provisions.md
    path: "Title 2 > Chapter 1 > Article 12"
    applies_to_entities:
      - credit_institutions
      - member_states
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - risk_assessment
    keywords:
      - transaction
      - electronic money
      - card
      - credit institution
      - financial institution
      - business relationship
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 13
        paragraph: "1"
      - target: Article 14
      - target: Article 4
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 13
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch01_general_provisions.md
    path: "Title 2 > Chapter 1 > Article 13"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - financial_entities
    topics:
      - aml
      - authorisation
      - customer_due_diligence
      - beneficial_ownership
      - digital_identity
    keywords:
      - transaction
      - POS
      - data
      - third party
      - ITS
      - credit institution
      - financial institution
      - beneficial owner
      - business relationship
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 3
        paragraph: "6"
    external_references:
      - instrument_type: regulation
        reference: "910/2014"
    recitals: []

  - article_number: 14
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch01_general_provisions.md
    path: "Title 2 > Chapter 1 > Article 14"
    applies_to_entities:
      - credit_institutions
      - member_states
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
      - suspicious_transactions
      - transaction_reporting
    keywords:
      - transaction
      - transfer
      - POS
      - ITS
      - credit institution
      - financial institution
      - beneficial owner
      - business relationship
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 30
      - target: Article 13
        paragraph: "1"
      - target: Article 33
    external_references: []
    recitals: []

  - article_number: 15
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch02_simplified_customer_due_diligence.md
    path: "Title 2 > Chapter 2 > Article 15"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - transaction
      - business relationship
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 16
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch02_simplified_customer_due_diligence.md
    path: "Title 2 > Chapter 2 > Article 16"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - transaction
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 17
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch02_simplified_customer_due_diligence.md
    path: "Title 2 > Chapter 2 > Article 17"
    applies_to_entities:
      - credit_institutions
      - competent_authorities
      - european_banking_authority
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - EBA
      - guidelines
      - credit institution
      - financial institution
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 18
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 18"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - risk_assessment
      - crypto_assets
    keywords:
      - transaction
      - wallet
      - POS
      - privacy
      - branch
      - EBA
      - guidelines
      - credit institution
      - financial institution
      - business relationship
      - group
      - crypto-asset
      - crypto-asset service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 45
    external_references: []
    recitals: []

  - article_number: 18a
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 18a"
    applies_to_entities:
      - credit_institutions
      - member_states
      - european_commission
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
    keywords:
      - transaction
      - POS
      - branch
      - system
      - RTS
      - reporting
      - credit institution
      - financial institution
      - beneficial owner
      - correspondent relationship
      - senior management
      - business relationship
      - group
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 9
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 19
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 19"
    applies_to_entities:
      - credit_institutions
      - member_states
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - supervision
      - data
      - access
      - cross-border
      - credit institution
      - financial institution
      - correspondent relationship
      - senior management
      - business relationship
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 13
    external_references: []
    recitals: []

  - article_number: 19a
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 19a"
    applies_to_entities:
      - member_states
      - european_banking_authority
    topics:
      - aml
      - customer_due_diligence
      - securitisation
      - beneficial_ownership
      - crypto_assets
    keywords:
      - sanction
      - transaction
      - transfer
      - EBA
      - guidelines
      - beneficial owner
      - crypto-asset
      - crypto-asset service provider
      - self-hosted address
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 19b
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 19b"
    applies_to_entities:
      - member_states
      - european_banking_authority
    topics:
      - aml
      - customer_due_diligence
      - authorisation
      - crypto_assets
    keywords:
      - license
      - supervision
      - transfer
      - data
      - access
      - cross-border
      - EBA
      - guidelines
      - correspondent relationship
      - senior management
      - business relationship
      - crypto-asset
      - crypto-asset service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 19
      - target: Article 13
    external_references:
      - instrument_type: regulation
        reference: "2023/1114"
    recitals: []

  - article_number: 20
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 20"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
      - pep
    keywords:
      - transaction
      - POS
      - system
      - beneficial owner
      - politically exposed person
      - senior management
      - business relationship
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 13
    external_references: []
    recitals: []

  - article_number: 20a
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 20a"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - POS
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 3
      - target: Article 41
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 21
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 21"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
    keywords:
      - POS
      - beneficial owner
      - politically exposed person
      - senior management
      - business relationship
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 13
    external_references: []
    recitals: []

  - article_number: 22
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 22"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
      - pep
    keywords:
      - POS
      - politically exposed person
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 23
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 23"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - POS
      - politically exposed person
      - family members
      - persons known to be close associates
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 20
      - target: Article 21
    external_references: []
    recitals: []

  - article_number: 24
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 24"
    applies_to_entities:
      - credit_institutions
      - member_states
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - ITS
      - credit institution
      - financial institution
      - correspondent relationship
      - shell bank
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 24a
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch03_enhanced_customer_due_diligence.md
    path: "Title 2 > Chapter 3 > Article 24a"
    applies_to_entities:
      - european_banking_authority
    topics:
      - aml
      - customer_due_diligence
      - securitisation
      - crypto_assets
    keywords:
      - transfer
      - EBA
      - guidelines
      - crypto-asset
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1113"
    recitals: []

  - article_number: 25
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch04_performance_by_third_parties.md
    path: "Title 2 > Chapter 4 > Article 25"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - third party
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 13
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 26
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch04_performance_by_third_parties.md
    path: "Title 2 > Chapter 4 > Article 26"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - POS
      - branch
      - group
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
      - target: Article 45
    external_references: []
    recitals: []

  - article_number: 27
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch04_performance_by_third_parties.md
    path: "Title 2 > Chapter 4 > Article 27"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
      - digital_identity
    keywords:
      - data
      - third party
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 13
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "910/2014"
    recitals: []

  - article_number: 28
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch04_performance_by_third_parties.md
    path: "Title 2 > Chapter 4 > Article 28"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - third party
      - branch
      - ITS
      - group
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 26
      - target: Article 27
    external_references: []
    recitals: []

  - article_number: 29
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t02_ch04_performance_by_third_parties.md
    path: "Title 2 > Chapter 4 > Article 29"
    applies_to_entities: []
    topics:
      - aml
      - outsourcing
    keywords:
      - outsourcing
      - agent
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 30
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t03_beneficial_ownership_information.md
    path: "Title 3 > Article 30"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_commission
      - financial_entities
    topics:
      - aml
      - beneficial_ownership
      - fraud_prevention
      - data_protection
      - customer_due_diligence
      - risk_assessment
      - implementing_acts
    keywords:
      - fraud
      - SCA
      - sanction
      - POS
      - data
      - access
      - system
      - credit institution
      - financial institution
      - beneficial owner
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: true
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
        paragraph: "3"
      - target: Article 31a
    external_references: []
    recitals: []

  - article_number: 31
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t03_beneficial_ownership_information.md
    path: "Title 3 > Article 31"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_commission
      - financial_entities
    topics:
      - aml
      - beneficial_ownership
      - fraud_prevention
      - data_protection
      - customer_due_diligence
      - risk_assessment
      - implementing_acts
    keywords:
      - fraud
      - SCA
      - sanction
      - transaction
      - POS
      - data
      - access
      - system
      - credit institution
      - financial institution
      - beneficial owner
      - business relationship
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: true
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 11
      - target: Article 2
        paragraph: "3"
      - target: Article 31a
    external_references: []
    recitals: []

  - article_number: 31a
    article_title: Implementing acts
    chunk_file: /amld-4/chunks/amld-4_t03_beneficial_ownership_information.md
    path: "Title 3 > Article 31a"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - beneficial_ownership
      - committee_procedure
      - implementing_acts
    keywords:
      - transaction
      - data
      - access
      - system
      - ITS
      - beneficial owner
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: true
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 30
      - target: Article 30
        paragraph: "10"
      - target: Article 31
        paragraph: "9"
      - target: Article 30
        paragraph: "5"
      - target: Article 31
        paragraph: "4"
      - target: Article 64a
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 32
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t04_ch01_general_provisions.md
    path: "Title 4 > Chapter 1 > Article 32"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - aml
      - suspicious_transactions
    keywords:
      - transaction
      - POS
      - access
      - consent
      - RTS
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 34
        paragraph: "2"
      - target: Article 33
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 32a
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t04_ch01_general_provisions.md
    path: "Title 4 > Chapter 1 > Article 32a"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - aml
      - beneficial_ownership
      - suspicious_transactions
    keywords:
      - IBAN
      - POS
      - data
      - access
      - system
      - credit institution
      - beneficial owner
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 53
      - target: Article 13
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "260/2012"
    recitals: []

  - article_number: 32b
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t04_ch01_general_provisions.md
    path: "Title 4 > Chapter 1 > Article 32b"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - aml
    keywords:
      - POS
      - data
      - access
      - system
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 33
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t04_ch01_general_provisions.md
    path: "Title 4 > Chapter 1 > Article 33"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - suspicious_transactions
    keywords:
      - transaction
      - ITS
      - criminal activity
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 8
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 34
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t04_ch01_general_provisions.md
    path: "Title 4 > Chapter 1 > Article 34"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
      - suspicious_transactions
      - transaction_reporting
    keywords:
      - transaction
      - POS
      - RTS
      - reporting
      - self-regulatory body
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 33
        paragraph: "1"
      - target: Article 2
        paragraph: "1"
      - target: Article 58
      - target: Article 59
      - target: Article 60
      - target: Article 61
      - target: Article 47
      - target: Article 10
      - target: Article 11
      - target: Article 12
      - target: Article 13
      - target: Article 14
      - target: Article 15
      - target: Article 16
      - target: Article 17
      - target: Article 18
      - target: Article 19
      - target: Article 20
      - target: Article 21
      - target: Article 22
      - target: Article 23
      - target: Article 24
      - target: Article 33
      - target: Article 34
      - target: Article 35
      - target: Article 45
      - target: Article 46
    external_references: []
    recitals: []

  - article_number: 35
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t04_ch01_general_provisions.md
    path: "Title 4 > Chapter 1 > Article 35"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - suspicious_transactions
    keywords:
      - transaction
      - POS
      - RTS
      - criminal activity
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 33
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 36
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t04_ch01_general_provisions.md
    path: "Title 4 > Chapter 1 > Article 36"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - suspicious_transactions
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 48
    external_references: []
    recitals: []

  - article_number: 37
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t04_ch01_general_provisions.md
    path: "Title 4 > Chapter 1 > Article 37"
    applies_to_entities: []
    topics:
      - aml
      - liability
    keywords:
      - liability
      - POS
      - ITS
      - criminal activity
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 33
      - target: Article 34
    external_references: []
    recitals: []

  - article_number: 38
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t04_ch01_general_provisions.md
    path: "Title 4 > Chapter 1 > Article 38"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - suspicious_transactions
    keywords:
      - POS
      - reporting
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 39
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t04_ch02_prohibition_of_disclosure.md
    path: "Title 4 > Chapter 2 > Article 39"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - financial_entities
    topics:
      - aml
      - data_protection
    keywords:
      - transaction
      - POS
      - data
      - branch
      - credit institution
      - financial institution
      - group
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 33
      - target: Article 45
      - target: Article 2
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 40
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t05_data_protection_record_retention_and_sta.md
    path: "Title 5 > Article 40"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - consumer_protection
      - data_protection
      - customer_due_diligence
      - suspicious_transactions
      - digital_identity
    keywords:
      - transaction
      - POS
      - data
      - access
      - business relationship
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 32a
    external_references:
      - instrument_type: regulation
        reference: "910/2014"
    recitals: []

  - article_number: 41
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t05_data_protection_record_retention_and_sta.md
    path: "Title 5 > Article 41"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - consumer_protection
      - data_protection
    keywords:
      - transaction
      - POS
      - data
      - access
      - ITS
      - business relationship
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 1
      - target: Article 39
        paragraph: "1"
    external_references:
      - instrument_type: directive
        reference: "95/46/EC"
    recitals: []

  - article_number: 42
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t05_data_protection_record_retention_and_sta.md
    path: "Title 5 > Article 42"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - consumer_protection
      - data_protection
      - suspicious_transactions
    keywords:
      - system
      - business relationship
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 43
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t05_data_protection_record_retention_and_sta.md
    path: "Title 5 > Article 43"
    applies_to_entities: []
    topics:
      - aml
      - consumer_protection
      - data_protection
    keywords:
      - POS
      - data
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 1
    external_references:
      - instrument_type: regulation
        reference: "2016/679"
    recitals: []

  - article_number: 44
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t05_data_protection_record_retention_and_sta.md
    path: "Title 5 > Article 44"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - aml
      - consumer_protection
      - data_protection
      - enforcement
      - suspicious_transactions
      - risk_assessment
    keywords:
      - SCA
      - supervision
      - sanction
      - transaction
      - POS
      - data
      - cross-border
      - system
      - RTS
      - ITS
      - reporting
      - property
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 7
      - target: Article 32
    external_references: []
    recitals: []

  - article_number: 45
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch01_internal_procedures_training_and_feedbac.md
    path: "Title 6 > Chapter 1 > Article 45"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
      - financial_entities
    topics:
      - aml
      - data_protection
      - suspicious_transactions
      - crypto_assets
    keywords:
      - supervision
      - transaction
      - electronic money
      - POS
      - data
      - branch
      - cross-border
      - ITS
      - EBA
      - credit institution
      - financial institution
      - criminal activity
      - business relationship
      - group
      - crypto-asset
      - crypto-asset service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1094/2010"
      - instrument_type: regulation
        reference: "1095/2010"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 46
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch01_internal_procedures_training_and_feedbac.md
    path: "Title 6 > Chapter 1 > Article 46"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - data_protection
    keywords:
      - transaction
      - data
      - access
      - RTS
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 47
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch02_supervision.md
    path: "Title 6 > Chapter 2 > Article 47"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - supervision
      - authorisation
      - fit_and_proper
    keywords:
      - license
      - beneficial owner
      - trust or company service provider
      - gambling services
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 48
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch02_supervision.md
    path: "Title 6 > Chapter 2 > Article 48"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
      - financial_entities
    topics:
      - aml
      - supervision
      - data_protection
      - competent_authorities
      - enforcement
      - risk_assessment
      - conflicts_of_interest
    keywords:
      - supervision
      - POS
      - data
      - access
      - ITS
      - EBA
      - guidelines
      - credit institution
      - financial institution
      - gambling services
      - group
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
        paragraph: "1"
      - target: Article 45
        paragraph: "9"
      - target: Article 45
        paragraph: "2"
      - target: Article 45
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 49
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 49"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 7
    external_references: []
    recitals: []

  - article_number: 50
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 50"
    applies_to_entities:
      - competent_authorities
      - european_banking_authority
    topics:
      - aml
      - competent_authorities
    keywords:
      - ITS
      - EBA
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 50a
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 50a"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
    keywords:
      - POS
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 34
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 51
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 51"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - suspicious_transactions
    keywords:
      - transaction
      - POS
      - cross-border
      - ITS
      - reporting
    contains:
      obligations: false
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 52
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 52"
    applies_to_entities:
      - member_states
    topics:
      - aml
    keywords:
      - POS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 53
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 53"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - suspicious_transactions
    keywords:
      - transfer
      - POS
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 33
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 54
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 54"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - suspicious_transactions
    keywords:
      - POS
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 52
      - target: Article 53
    external_references: []
    recitals: []

  - article_number: 55
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 55"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - suspicious_transactions
    keywords:
      - POS
      - consent
      - ITS
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 52
      - target: Article 53
    external_references: []
    recitals: []

  - article_number: 56
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 56"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - data_protection
      - suspicious_transactions
    keywords:
      - data
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 57
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 57"
    applies_to_entities: []
    topics:
      - aml
      - suspicious_transactions
    keywords: []
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 3
      - target: Article 53
      - target: Article 54
      - target: Article 55
    external_references: []
    recitals: []

  - article_number: 57a
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 57a"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_central_bank
      - financial_entities
    topics:
      - aml
      - authorisation
      - competent_authorities
    keywords:
      - supervision
      - sanction
      - POS
      - consent
      - RTS
      - ITS
      - financial institution
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "1024/2013"
      - instrument_type: regulation
        reference: "1024/2013"
      - instrument_type: directive
        reference: "2013/36/EU"
    recitals: []

  - article_number: 57b
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch03_cooperation.md
    path: "Title 6 > Chapter 3 > Article 57b"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
    topics:
      - aml
      - authorisation
    keywords:
      - supervision
      - POS
      - access
      - consent
      - RTS
      - credit institution
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 57a
        paragraph: "1"
      - target: Article 57a
        paragraph: "3"
      - target: Article 34
        paragraph: "2"
      - target: Article 2
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 58
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch04_sanctions.md
    path: "Title 6 > Chapter 4 > Article 58"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - aml
      - enforcement
      - sanctions
      - liability
      - competent_authorities
      - governance
    keywords:
      - sanction
      - POS
      - cross-border
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 59
      - target: Article 60
      - target: Article 61
    external_references: []
    recitals: []

  - article_number: 59
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch04_sanctions.md
    path: "Title 6 > Chapter 4 > Article 59"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - financial_entities
    topics:
      - aml
      - enforcement
      - sanctions
      - authorisation
      - customer_due_diligence
      - suspicious_transactions
      - transaction_reporting
      - governance
      - consolidation
    keywords:
      - authorisation
      - sanction
      - transaction
      - POS
      - system
      - reporting
      - credit institution
      - financial institution
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 10
      - target: Article 11
      - target: Article 12
      - target: Article 13
      - target: Article 14
      - target: Article 15
      - target: Article 16
      - target: Article 17
      - target: Article 18
      - target: Article 19
      - target: Article 20
      - target: Article 21
      - target: Article 22
      - target: Article 23
      - target: Article 24
      - target: Article 33
      - target: Article 34
      - target: Article 35
      - target: Article 45
      - target: Article 46
    external_references:
      - instrument_type: directive
        reference: "2013/34/EU"
    recitals: []

  - article_number: 60
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch04_sanctions.md
    path: "Title 6 > Chapter 4 > Article 60"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - enforcement
      - sanctions
      - liability
      - data_protection
      - competent_authorities
    keywords:
      - supervision
      - sanction
      - POS
      - data
      - ITS
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 59
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 61
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch04_sanctions.md
    path: "Title 6 > Chapter 4 > Article 61"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - enforcement
      - sanctions
      - data_protection
      - suspicious_transactions
    keywords:
      - POS
      - data
      - RTS
      - reporting
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "95/46/EC"
    recitals: []

  - article_number: 62
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t06_ch04_sanctions.md
    path: "Title 6 > Chapter 4 > Article 62"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - financial_entities
    topics:
      - aml
      - enforcement
      - sanctions
    keywords:
      - sanction
      - POS
      - EBA
      - credit institution
      - financial institution
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 58
      - target: Article 59
      - target: Article 60
    external_references: []
    recitals: []

  - article_number: 63
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t07_final_provisions.md
    path: "Title 7 > Article 63"
    applies_to_entities:
      - european_commission
    topics:
      - aml
      - final_provisions
      - authorisation
    keywords:
      - POS
      - system
      - ITS
    contains:
      obligations: false
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "648/2012"
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 64
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t07_final_provisions.md
    path: "Title 7 > Article 64"
    applies_to_entities:
      - european_commission
    topics:
      - aml
      - final_provisions
    keywords:
      - notification
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 9
    external_references: []
    recitals: []

  - article_number: 64a
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t07_final_provisions.md
    path: "Title 7 > Article 64a"
    applies_to_entities: []
    topics:
      - aml
      - final_provisions
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "2015/847"
    recitals: []

  - article_number: 65
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t07_final_provisions.md
    path: "Title 7 > Article 65"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - aml
      - final_provisions
      - competent_authorities
      - beneficial_ownership
    keywords:
      - wallet
      - POS
      - data
      - access
      - system
      - beneficial owner
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 20
    external_references: []
    recitals: []

  - article_number: 66
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t07_final_provisions.md
    path: "Title 7 > Article 66"
    applies_to_entities: []
    topics:
      - aml
      - final_provisions
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2005/60/EC"
    recitals: []

  - article_number: 67
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t07_final_provisions.md
    path: "Title 7 > Article 67"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - final_provisions
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 12
        paragraph: "3"
      - target: Article 30
      - target: Article 31
      - target: Article 32a
      - target: Article 2
        paragraph: "1"
      - target: Article 3
      - target: Article 19a
        paragraph: "1"
      - target: Article 19b
        paragraph: "1"
      - target: Article 19b
        paragraph: "2"
      - target: Article 45
        paragraph: "9"
      - target: Article 47
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 68
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t07_final_provisions.md
    path: "Title 7 > Article 68"
    applies_to_entities: []
    topics:
      - aml
      - final_provisions
    keywords:
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 69
    article_title: ""
    chunk_file: /amld-4/chunks/amld-4_t07_final_provisions.md
    path: "Title 7 > Article 69"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - final_provisions
    keywords: []
    contains:
      obligations: false
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []