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

instrument_id: amlr
celex: "32024R1624"
eli: "http://data.europa.eu/eli/reg/2024/1624/oj"
full_title: Anti-Money Laundering Regulation (EU) 2024/1624
short_title: AMLR
instrument_type: regulation
document_type: regulation
normative_weight: binding
jurisdiction: EU
effective_period:
  from: "2024-07-09"
  to: null
dates:
  adopted: "2024-05-31"
  entered_into_force: "2024-07-09"
status: in_force
legal_status: in_force
structure_levels:
  - title
  - chapter
  - article
total_articles: 90
total_recitals: 175
total_annexes: 6
definitions_article: 2
chunk_strategy: by_chapter
chunks:
  - /amlr/chunks/recitals.md
  - /amlr/chunks/amlr_t01_ch01_subject_matter_and_definitions.md
  - /amlr/chunks/amlr_t01_ch02_scope.md
  - /amlr/chunks/amlr_t01_ch03_cross_border_operations.md
  - /amlr/chunks/amlr_t02_ch01_internal_policies_procedures_and_control.md
  - /amlr/chunks/amlr_t02_ch02_provisions_applying_to_groups.md
  - /amlr/chunks/amlr_t02_ch03_outsourcing.md
  - /amlr/chunks/amlr_t03_ch01_general_provisions.md
  - /amlr/chunks/amlr_t03_ch02_third_country_policy_and_money_launderin.md
  - /amlr/chunks/amlr_t03_ch03_simplified_due_diligence.md
  - /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
  - /amlr/chunks/amlr_t03_ch05_specific_customer_due_diligence_provisio.md
  - /amlr/chunks/amlr_t03_ch06_reliance_on_customer_due_diligence_perfo.md
  - /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
  - /amlr/chunks/amlr_t05_reporting_obligations.md
  - /amlr/chunks/amlr_t06_information_sharing.md
  - /amlr/chunks/amlr_t07_data_protection_and_record_retention.md
  - /amlr/chunks/amlr_t08_measures_to_mitigate_risks_deriving_from.md
  - /amlr/chunks/amlr_t09_ch01_cooperation_between_fius_and_the_eppo.md
  - /amlr/chunks/amlr_t09_ch02_cooperation_between_fius_and_olaf.md
  - /amlr/chunks/amlr_t09_ch03_other_provisions.md
  - /amlr/chunks/annexes.md
key_dates:
  - date: "2016-04-13"
    type: citation
    article: "85"
    context: "…in accordance with the principles laid down in the Interinstitutional Agreement of 13 April 2016 on Better Law-Making. 5. As soon as…"
  - date: "2024-05-31"
    type: lifecycle
    context: "Adopted"
  - date: "2024-07-09"
    type: lifecycle
    context: "Entered into force"
  - date: "2024-10-10"
    type: deadline
    article: "80"
    context: "…shall continue to apply. Member States shall notify those limits to the Commission by 10 October 2024. 4. The limit referred to in…"
  - date: "2025-01-10"
    type: deadline
    article: "68"
    context: "…provided for shall be effective, proportionate and dissuasive. Member States shall by 10 January 2025 notify the Commission of those rules…"
  - date: "2026-07-10"
    type: deadline
    article: "10"
    context: "…where the specific risks inherent in the sector are clear and understood. 4. By 10 July 2026, AMLA shall issue guidelines on the…"
  - date: "2026-07-10"
    type: deadline
    article: "16"
    context: "…data protection and use of the information, including to prevent its disclosure. 4. By 10 July 2026, AMLA shall develop draft regulatory…"
  - date: "2026-07-10"
    type: deadline
    article: "17"
    context: "…to undertake transactions, or to close down its operations in the third country. 3. By 10 July 2026, AMLA shall develop draft regulatory…"
  - date: "2026-07-10"
    type: deadline
    article: "19"
    context: "…in place that enable them to attribute transactions to specific customers. 9. By 10 July 2026, AMLA shall develop draft regulatory…"
  - date: "2026-07-10"
    type: deadline
    article: "20"
    context: "…apply simplified due diligence measures pursuant to Section 3 of this Chapter. 3. By 10 July 2026, AMLA shall issue guidelines on the…"
  - date: "2026-07-10"
    type: deadline
    article: "26"
    context: "…verification of the client base against lists of targeted financial sanctions. 5. By 10 July 2026, AMLA shall issue guidelines on…"
  - date: "2026-07-10"
    type: deadline
    article: "28"
    context: "1. By 10 July 2026, AMLA shall develop draft regulatory…"
  - date: "2026-07-10"
    type: deadline
    article: "68"
    context: "…and shall notify it, without delay, of any subsequent amendment affecting them. 2. By 10 July 2026, the Commission shall adopt delegated…"
  - date: "2026-07-10"
    type: deadline
    article: "69"
    context: "…obtained pursuant to Chapter III including the risk profile of the client. 3. By 10 July 2026, AMLA shall develop draft…"
  - date: "2026-07-10"
    type: deadline
    article: "81"
    context: "…in accordance with Article 22 and Article 25(2) and (3) of that Regulation. By 10 July 2026, AMLA shall, in consultation with the…"
  - date: "2026-07-10"
    type: deadline
    article: "9"
    context: "…and controls up-to-date, and enhance them where weaknesses are identified. 4. By 10 July 2026, AMLA shall issue guidelines on the…"
  - date: "2027-07-10"
    type: application
    article: "90"
    context: "…of its publication in the Official Journal of the European Union. It shall apply from 10 July 2027, except in relation to obliged…"
  - date: "2027-07-10"
    type: deadline
    article: "18"
    context: "…activities or transactions carried out by the collective investment undertaking. 8. By 10 July 2027, AMLA shall issue guidelines…"
  - date: "2027-07-10"
    type: deadline
    article: "21"
    context: "…a business relationship or apply alternative measures pursuant to paragraph 1. 4. By 10 July 2027, AMLA shall issue joint guidelines…"
  - date: "2027-07-10"
    type: deadline
    article: "32"
    context: "1. By 10 July 2027, AMLA shall issue guidelines defining…"
  - date: "2027-07-10"
    type: deadline
    article: "34"
    context: "…tasks related to that obliged entity’s compliance in relation to that customer. By 10 July 2027, AMLA shall issue guidelines on the…"
  - date: "2027-07-10"
    type: deadline
    article: "37"
    context: "…measures to be taken to mitigate the risks associated with the respondent entity. 3. By 10 July 2027, AMLA shall issue guidelines to…"
  - date: "2027-07-10"
    type: deadline
    article: "40"
    context: "…as the risk of non-implementation and evasion of targeted financial sanctions. 2. By 10 July 2027, AMLA shall issue guidelines to…"
  - date: "2027-07-10"
    type: deadline
    article: "42"
    context: "…(c) conduct enhanced, ongoing monitoring of those business relationships. 2. By 10 July 2027, AMLA shall issue guidelines on the…"
  - date: "2027-07-10"
    type: deadline
    article: "50"
    context: "By 10 July 2027, AMLA shall issue guidelines…"
  - date: "2027-07-10"
    type: deadline
    article: "69"
    context: "…3 of this Article in accordance with Article 53 of Regulation (EU) 2024/1620. 5. By 10 July 2027, AMLA shall issue guidelines on…"
  - date: "2027-10-10"
    type: deadline
    article: "56"
    context: "Each Member State shall notify to the Commission by 10 October 2027 a list of the types of legal entities…"
  - date: "2027-10-10"
    type: deadline
    article: "57"
    context: "…the positions listed in paragraph 1. 3. Member States shall notify to the Commission by 10 October 2027 a list of types of legal entities, of…"
  - date: "2027-10-10"
    type: deadline
    article: "58"
    context: "…the positions listed in paragraph 1. 4. Member States shall notify to the Commission by 10 October 2027 a list of types of legal arrangements…"
  - date: "2027-10-10"
    type: review
    article: "7"
    context: "…their national risk assessment pursuant to Article 8 of Directive (EU) 2024/1640. 4. By 10 October 2027, Member States shall notify to the…"
  - date: "2028-01-10"
    type: deadline
    article: "67"
    context: "…to the central register and accompanied by a justification for that submission by 10 January 2028. However, the first subparagraph…"
  - date: "2029-07-10"
    type: application
    article: "90"
    context: "…entities referred to in Article 3, points (3)(n) and (o), to which it shall apply from 10 July 2029."
  - date: "2029-07-10"
    type: deadline
    article: "52"
    context: "…on the sectors in which they operate, they shall inform the Commission thereof. By 10 July 2029, the Commission shall assess whether…"
  - date: "2029-07-10"
    type: deadline
    article: "79"
    context: "…(3), of Regulation (EU) No 909/2014, or deposit them with a financial institution by 10 July 2029. However, companies with securities…"
  - date: "2030-07-10"
    type: deadline
    article: "79"
    context: "…immobilisation or deposit. All such shares not converted, immobilised or deposited by 10 July 2030 shall be cancelled, leading to a…"
  - date: "2030-07-10"
    type: deadline
    article: "88"
    context: "By 10 July 2030, the Commission shall submit reports…"
  - date: "2032-07-10"
    type: review
    article: "87"
    context: "By 10 July 2032, and every 3 years thereafter, the…"

generated_at: "2026-10-05T22:50:38.370Z"

articles:
  - article_number: 1
    article_title: Subject matter
    chunk_file: /amlr/chunks/amlr_t01_ch01_subject_matter_and_definitions.md
    path: "Chapter I > Section 1 > Article 1"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - scope
      - general_provisions
      - definitions
      - beneficial_ownership
    keywords:
      - money laundering
      - terrorist financing
      - express trust
      - legal arrangement
    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: []

  - article_number: 2
    article_title: Definitions
    chunk_file: /amlr/chunks/amlr_t01_ch01_subject_matter_and_definitions.md
    path: "Chapter I > Section 1 > Article 2"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_commission
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - scope
      - general_provisions
      - definitions
      - fraud_prevention
      - authorisation
      - liability
      - insurance
      - group_supervision
      - beneficial_ownership
      - suspicious_transactions
      - pep
      - funds_transfer
      - investment_funds
      - crypto_assets
      - governance
    keywords:
      - fraud
      - liability
      - license
      - licence
      - supervision
      - sanction
      - transaction
      - transfer
      - IBAN
      - electronic money
      - agent
      - branch
      - cross-border
      - clearing
      - system
      - money laundering
      - terrorist financing
      - criminal activity
      - funds
      - property
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 3
    external_references:
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2009/138/EC"
      - instrument_type: directive
        reference: "2009/138/EC"
      - instrument_type: directive
        reference: "2016/97"
      - instrument_type: directive
        reference: "2014/65/EU"
      - instrument_type: directive
        reference: "2009/65/EC"
      - instrument_type: directive
        reference: "2009/65/EC"
      - instrument_type: directive
        reference: "2011/61/EU"
      - instrument_type: regulation
        reference: "909/2014"
      - instrument_type: directive
        reference: "2008/48/EC"
      - instrument_type: directive
        reference: "2008/48/EC"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1113"
      - instrument_type: regulation
        reference: "2020/1503"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1113"
      - instrument_type: directive
        reference: "2013/34/EU"
      - instrument_type: directive
        reference: "2013/34/EU"
      - instrument_type: regulation
        reference: "2024/1620"
      - instrument_type: directive
        reference: "2024/1640"
      - instrument_type: directive
        reference: "2013/34/EU"
    recitals: []

  - article_number: 3
    article_title: Obliged entities
    chunk_file: /amlr/chunks/amlr_t01_ch02_scope.md
    path: "Chapter I > Section 2 > Article 3"
    applies_to_entities:
      - credit_institutions
      - consumers
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - scope
    keywords:
      - consumer
      - transaction
      - transfer
      - agent
      - property
      - credit institution
      - financial institution
      - crypto-asset
      - trust or company service provider
      - gambling service
      - crowdfunding service provider
      - linked transactions
      - professional football club
      - football agent
      - high-value goods
      - precious metals and stones
      - cultural goods
    contains:
      obligations: false
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals:
      - 92

  - article_number: 4
    article_title: Exemptions for certain providers of gambling services
    chunk_file: /amlr/chunks/amlr_t01_ch02_scope.md
    path: "Chapter I > Section 2 > Article 4"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - scope
      - risk_assessment
    keywords:
      - transaction
      - access
      - money laundering
      - terrorist financing
      - gambling service
    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: []
    external_references: []
    recitals:
      - 9
      - 17
      - 51
      - 53
      - 73
      - 158

  - article_number: 5
    article_title: Exemptions for certain professional football clubs
    chunk_file: /amlr/chunks/amlr_t01_ch02_scope.md
    path: "Chapter I > Section 2 > Article 5"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - scope
      - risk_assessment
    keywords:
      - transaction
      - cross-border
      - money laundering
      - terrorist financing
      - professional football club
    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: "2024/1640"
    recitals:
      - 174

  - article_number: 6
    article_title: Exemptions for certain financial activities
    chunk_file: /amlr/chunks/amlr_t01_ch02_scope.md
    path: "Chapter I > Section 2 > Article 6"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
      - scope
    keywords:
      - transaction
      - money laundering
      - terrorist financing
      - linked transactions
    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 3
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2013/36/EU"
    recitals:
      - 133

  - article_number: 7
    article_title: Prior notification of exemptions
    chunk_file: /amlr/chunks/amlr_t01_ch02_scope.md
    path: "Chapter I > Section 2 > Article 7"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - scope
      - risk_assessment
    keywords:
      - notification
    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 4
      - target: Article 5
      - target: Article 6
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
      - instrument_type: directive
        reference: "2015/849"
    recitals:
      - 133

  - article_number: 8
    article_title: Notification of cross-border operations and application of national law
    chunk_file: /amlr/chunks/amlr_t01_ch03_cross_border_operations.md
    path: "Chapter I > Section 3 > Article 8"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
      - authorisation
      - passporting
    keywords:
      - authorisation
      - agent
      - cross-border
      - notification
      - establishment
      - supervisor
    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:
      - instrument_type: directive
        reference: "2024/1640"
      - instrument_type: directive
        reference: "2024/1640"
    recitals: []

  - article_number: 9
    article_title: "Scope of internal policies, procedures and controls"
    chunk_file: /amlr/chunks/amlr_t02_ch01_internal_policies_procedures_and_control.md
    path: "Chapter II > Section 1 > Article 9"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
      - risk_assessment
      - data_protection
      - outsourcing
      - beneficial_ownership
      - pep
      - governance
      - risk_management
      - internal_control
    keywords:
      - sanction
      - transaction
      - data
      - outsourcing
      - agent
      - guidelines
      - reporting
      - money laundering
      - terrorist financing
      - beneficial owner
      - politically exposed person
      - family member
      - person known to be a close associate
      - management body
      - management body in its management function
      - supervisor
      - targeted financial sanctions
    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 76
      - target: Article 77
    external_references:
      - instrument_type: regulation
        reference: "2023/1113"
    recitals:
      - 152

  - article_number: 10
    article_title: Business-wide risk assessment
    chunk_file: /amlr/chunks/amlr_t02_ch01_internal_policies_procedures_and_control.md
    path: "Chapter II > Section 1 > Article 10"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - european_commission
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - risk_assessment
      - governance
    keywords:
      - sanction
      - transaction
      - guidelines
      - money laundering
      - terrorist financing
      - credit institution
      - financial institution
      - crowdfunding service provider
      - management body
      - management body in its management function
      - management body in its supervisory function
      - supervisor
      - targeted financial sanctions
    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: []
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
      - instrument_type: directive
        reference: "2024/1640"
    recitals:
      - 44

  - article_number: 11
    article_title: Compliance functions
    chunk_file: /amlr/chunks/amlr_t02_ch01_internal_policies_procedures_and_control.md
    path: "Chapter II > Section 1 > Article 11"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
      - risk_assessment
      - suspicious_transactions
      - governance
    keywords:
      - sanction
      - transaction
      - data
      - access
      - reporting
      - notification
      - beneficial owner
      - management body
      - management body in its management function
      - management body in its supervisory function
      - senior management
      - group
      - supervisor
      - targeted financial sanctions
    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 69
        paragraph: "6"
      - target: Article 9
        paragraph: "2"
    external_references:
      - instrument_type: regulation
        reference: "2023/1113"
      - instrument_type: directive
        reference: "2024/1640"
      - instrument_type: directive
        reference: "2024/1640"
    recitals: []

  - article_number: 12
    article_title: Awareness of requirements
    chunk_file: /amlr/chunks/amlr_t02_ch01_internal_policies_procedures_and_control.md
    path: "Chapter II > Section 1 > Article 12"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - risk_assessment
      - data_protection
    keywords:
      - data
      - agent
      - money laundering
      - terrorist financing
      - supervisor
    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: []
    external_references:
      - instrument_type: regulation
        reference: "2023/1113"
    recitals: []

  - article_number: 13
    article_title: Integrity of employees
    chunk_file: /amlr/chunks/amlr_t02_ch01_internal_policies_procedures_and_control.md
    path: "Chapter II > Section 1 > Article 13"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - risk_assessment
      - conflicts_of_interest
    keywords:
      - agent
      - supervisor
    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: []
    external_references:
      - instrument_type: regulation
        reference: "2023/1113"
    recitals: []

  - article_number: 14
    article_title: Reporting of breaches and protection of reporting persons
    chunk_file: /amlr/chunks/amlr_t02_ch01_internal_policies_procedures_and_control.md
    path: "Chapter II > Section 1 > Article 14"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - risk_assessment
    keywords:
      - reporting
      - supervisor
    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:
      - instrument_type: directive
        reference: "2019/1937"
      - instrument_type: regulation
        reference: "2023/1113"
    recitals: []

  - article_number: 15
    article_title: Situation of specific employees
    chunk_file: /amlr/chunks/amlr_t02_ch01_internal_policies_procedures_and_control.md
    path: "Chapter II > Section 1 > Article 15"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - risk_assessment
    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 3
    external_references: []
    recitals: []

  - article_number: 16
    article_title: Group-wide requirements
    chunk_file: /amlr/chunks/amlr_t02_ch02_provisions_applying_to_groups.md
    path: "Chapter II > Section 2 > Article 16"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - data_protection
      - suspicious_transactions
      - risk_assessment
      - governance
    keywords:
      - transaction
      - data
      - branch
      - network
      - money laundering
      - terrorist financing
      - criminal activity
      - funds
      - establishment
      - business relationship
      - beneficial owner
      - management body
      - management body in its management function
      - group
      - parent undertaking
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 9
      - target: Article 10
      - target: Article 69
      - target: Article 2
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "2024/1620"
    recitals: []

  - article_number: 17
    article_title: Branches and subsidiaries in third countries
    chunk_file: /amlr/chunks/amlr_t02_ch02_provisions_applying_to_groups.md
    path: "Chapter II > Section 2 > Article 17"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - data_protection
    keywords:
      - transaction
      - data
      - branch
      - money laundering
      - terrorist financing
      - business relationship
      - third country
      - group
      - parent undertaking
      - supervisor
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 16
    external_references:
      - instrument_type: regulation
        reference: "2024/1620"
    recitals: []

  - article_number: 18
    article_title: Outsourcing
    chunk_file: /amlr/chunks/amlr_t02_ch03_outsourcing.md
    path: "Chapter II > Section 3 > Article 18"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
      - outsourcing
      - third_party_risk
      - liability
      - suspicious_transactions
      - risk_assessment
      - investment_funds
    keywords:
      - transaction
      - outsourcing
      - guidelines
      - reporting
      - money laundering
      - terrorist financing
      - funds
      - establishment
      - business relationship
      - group
      - supervisor
      - supervisory authority
    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 10
        paragraph: "2"
      - target: Article 9
      - target: Article 69
      - target: Article 74
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
      - instrument_type: regulation
        reference: "2023/1113"
      - instrument_type: regulation
        reference: "2023/1113"
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 19
    article_title: Application of customer due diligence measures
    chunk_file: /amlr/chunks/amlr_t03_ch01_general_provisions.md
    path: "Chapter III > Section 1 > Article 19"
    applies_to_entities:
      - payment_initiation_service_providers
      - credit_institutions
      - member_states
      - european_commission
      - financial_entities
      - merchants
    topics:
      - aml
      - customer_due_diligence
      - authorisation
      - risk_assessment
      - funds_transfer
      - crypto_assets
    keywords:
      - merchant
      - transaction
      - transfer
      - electronic money
      - data
      - agent
      - system
      - network
      - money laundering
      - terrorist financing
      - funds
      - credit institution
      - financial institution
      - crypto-asset
      - crypto-asset service provider
      - gambling service
      - crowdfunding service provider
      - business relationship
      - linked transactions
      - legal arrangement
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 20
        paragraph: "1"
      - target: Article 80
        paragraph: "2"
      - target: Article 80
        paragraph: "3"
      - target: Article 3
    external_references:
      - instrument_type: regulation
        reference: "2023/1113"
      - instrument_type: directive
        reference: "2024/1640"
      - instrument_type: regulation
        reference: "2024/1620"
    recitals: []

  - article_number: 20
    article_title: Customer due diligence measures
    chunk_file: /amlr/chunks/amlr_t03_ch01_general_provisions.md
    path: "Chapter III > Section 1 > Article 20"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - authorisation
      - beneficial_ownership
      - pep
      - risk_assessment
    keywords:
      - sanction
      - transaction
      - guidelines
      - money laundering
      - terrorist financing
      - funds
      - business relationship
      - beneficial owner
      - legal arrangement
      - politically exposed person
      - family member
      - person known to be a close associate
      - supervisor
      - targeted financial sanctions
    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
    external_references: []
    recitals: []

  - article_number: 21
    article_title: Inability to comply with the requirement to apply customer due diligence measures
    chunk_file: /amlr/chunks/amlr_t03_ch01_general_provisions.md
    path: "Chapter III > Section 1 > Article 21"
    applies_to_entities:
      - credit_institutions
      - european_banking_authority
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - insurance
      - suspicious_transactions
    keywords:
      - transaction
      - data
      - guidelines
      - reporting
      - money laundering
      - terrorist financing
      - funds
      - credit institution
      - financial institution
      - 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 20
        paragraph: "1"
      - target: Article 69
      - target: Article 26
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2014/92/EU"
    recitals:
      - 172

  - article_number: 22
    article_title: Identification and verification of the identity of customers and beneficial owners
    chunk_file: /amlr/chunks/amlr_t03_ch01_general_provisions.md
    path: "Chapter III > Section 1 > Article 22"
    applies_to_entities:
      - credit_institutions
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
      - digital_identity
      - passporting
    keywords:
      - transaction
      - IBAN
      - data
      - access
      - credit institution
      - financial institution
      - business relationship
      - virtual iban
      - legal entity identifier
      - beneficial owner
      - express trust
      - objects of a power
      - default taker
      - legal arrangement
      - basic information
    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 62
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "910/2014"
    recitals:
      - 150

  - article_number: 23
    article_title: Timing of the verification of the customer and beneficial owner identity
    chunk_file: /amlr/chunks/amlr_t03_ch01_general_provisions.md
    path: "Chapter III > Section 1 > Article 23"
    applies_to_entities:
      - credit_institutions
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
    keywords:
      - transaction
      - transfer
      - agent
      - money laundering
      - terrorist financing
      - funds
      - property
      - credit institution
      - financial institution
      - establishment
      - business relationship
      - beneficial owner
      - express trust
      - legal arrangement
    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 20
        paragraph: "1"
      - target: Article 51
      - target: Article 57
      - target: Article 58
      - target: Article 61
      - target: Article 67
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
    recitals:
      - 157

  - article_number: 24
    article_title: Reporting of discrepancies with information contained in beneficial ownership registers
    chunk_file: /amlr/chunks/amlr_t03_ch01_general_provisions.md
    path: "Chapter III > Section 1 > Article 24"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
    keywords:
      - data
      - reporting
      - beneficial owner
    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 20
        paragraph: "1"
      - target: Article 22
        paragraph: "7"
      - target: Article 63
      - target: Article 64
      - target: Article 67
      - target: Article 21
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 25
    article_title: Identification of the purpose and intended nature of a business relationship or occasional transaction
    chunk_file: /amlr/chunks/amlr_t03_ch01_general_provisions.md
    path: "Chapter III > Section 1 > Article 25"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - transaction
      - funds
      - 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 74
    external_references: []
    recitals: []

  - article_number: 26
    article_title: Ongoing monitoring of the business relationship and monitoring of transactions performed by customers
    chunk_file: /amlr/chunks/amlr_t03_ch01_general_provisions.md
    path: "Chapter III > Section 1 > Article 26"
    applies_to_entities:
      - credit_institutions
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - sanction
      - transaction
      - data
      - guidelines
      - funds
      - credit institution
      - financial institution
      - business relationship
      - beneficial owner
      - group
      - targeted financial sanctions
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 69
        paragraph: "2"
      - target: Article 20
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 27
    article_title: Temporary measures for customers subject to UN financial sanctions
    chunk_file: /amlr/chunks/amlr_t03_ch01_general_provisions.md
    path: "Chapter III > Section 1 > Article 27"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - sanction
      - transaction
      - funds
      - funds or other assets
      - targeted financial sanctions
      - un financial sanctions
    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: []
    external_references: []
    recitals: []

  - article_number: 28
    article_title: Regulatory technical standards on the information necessary for the performance of customer due diligence
    chunk_file: /amlr/chunks/amlr_t03_ch01_general_provisions.md
    path: "Chapter III > Section 1 > Article 28"
    applies_to_entities:
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - risk_assessment
      - digital_identity
    keywords:
      - transaction
      - electronic money
      - data
      - business relationship
      - supervisor
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 20
      - target: Article 22
      - target: Article 25
      - target: Article 33
      - target: Article 34
      - target: Article 33
        paragraph: "1"
      - target: Article 19
        paragraph: "7"
      - target: Article 22
        paragraph: "6"
      - target: Article 22
        paragraph: "7"
      - target: Article 20
        paragraph: "1"
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
      - instrument_type: regulation
        reference: "2024/1620"
    recitals: []

  - article_number: 29
    article_title: Identification of third countries with significant strategic deficiencies in their national AML/CFT regimes
    chunk_file: /amlr/chunks/amlr_t03_ch02_third_country_policy_and_money_launderin.md
    path: "Chapter III > Section 2 > Article 29"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - implementing_acts
    keywords:
      - sanction
      - transaction
      - system
      - notification
      - money laundering
      - terrorist financing
      - business relationship
      - third country
      - un financial sanctions
      - un financial sanctions relating to proliferation financing
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: true
      implementing_powers: true
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 85
      - target: Article 34
        paragraph: "4"
      - target: Article 35
    external_references: []
    recitals:
      - 36

  - article_number: 30
    article_title: Identification of third countries with compliance weaknesses in their national AML/CFT regimes
    chunk_file: /amlr/chunks/amlr_t03_ch02_third_country_policy_and_money_launderin.md
    path: "Chapter III > Section 2 > Article 30"
    applies_to_entities:
      - european_commission
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - sanction
      - transaction
      - system
      - money laundering
      - terrorist financing
      - business relationship
      - third country
      - un financial sanctions
      - un financial sanctions relating to proliferation financing
    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 85
      - target: Article 34
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 31
    article_title: Identification of third countries posing a specific and serious threat to the Union’s financial system
    chunk_file: /amlr/chunks/amlr_t03_ch02_third_country_policy_and_money_launderin.md
    path: "Chapter III > Section 2 > Article 31"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
      - committee_procedure
      - implementing_acts
    keywords:
      - sanction
      - transaction
      - system
      - money laundering
      - terrorist financing
      - business relationship
      - third country
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: true
      implementing_powers: true
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 85
      - target: Article 29
      - target: Article 30
      - target: Article 29
        paragraph: "4"
      - target: Article 29
        paragraph: "5"
      - target: Article 34
        paragraph: "4"
      - target: Article 86
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 32
    article_title: "Guidelines on money laundering and terrorist financing risks, trends and methods"
    chunk_file: /amlr/chunks/amlr_t03_ch02_third_country_policy_and_money_launderin.md
    path: "Chapter III > Section 2 > Article 32"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - guidelines
      - money laundering
      - terrorist financing
    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: Simplified due diligence measures
    chunk_file: /amlr/chunks/amlr_t03_ch03_simplified_due_diligence.md
    path: "Chapter III > Section 3 > Article 33"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
    keywords:
      - sanction
      - transaction
      - money laundering
      - terrorist financing
      - establishment
      - business relationship
      - beneficial owner
      - targeted financial sanctions
    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 28
      - target: Article 9
    external_references: []
    recitals: []

  - article_number: 34
    article_title: Scope of application of enhanced due diligence measures
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 34"
    applies_to_entities:
      - credit_institutions
      - member_states
      - european_commission
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - suspicious_transactions
      - risk_assessment
      - conflicts_of_interest
    keywords:
      - transaction
      - branch
      - system
      - guidelines
      - notification
      - money laundering
      - terrorist financing
      - funds
      - credit institution
      - financial institution
      - trust or company service provider
      - business relationship
      - beneficial owner
      - senior management
      - group
    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 29
      - target: Article 30
      - target: Article 31
      - target: Article 36
      - target: Article 37
      - target: Article 38
      - target: Article 39
      - target: Article 40
      - target: Article 41
      - target: Article 42
      - target: Article 43
      - target: Article 44
      - target: Article 45
      - target: Article 46
      - target: Article 20
        paragraph: "2"
      - target: Article 32
      - target: Article 10
      - target: Article 85
      - target: Article 17
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
    recitals: []

  - article_number: 35
    article_title: Countermeasures to mitigate money laundering and terrorist financing threats from outside the Union
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 35"
    applies_to_entities:
      - credit_institutions
      - member_states
      - european_commission
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - transaction
      - branch
      - system
      - reporting
      - money laundering
      - terrorist financing
      - credit institution
      - financial institution
      - establishment
      - business relationship
      - third country
      - correspondent relationship
      - group
    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:
      - target: Article 29
      - target: Article 31
    external_references: []
    recitals: []

  - article_number: 36
    article_title: Specific enhanced due diligence measures for cross-border correspondent relationships
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 36"
    applies_to_entities:
      - credit_institutions
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - supervision
      - transaction
      - transfer
      - data
      - access
      - cross-border
      - credit institution
      - financial institution
      - business relationship
      - correspondent relationship
      - senior management
    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: 37
    article_title: Specific enhanced due diligence measures for cross-border correspondent relationships for crypto-asset service providers
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 37"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - authorisation
      - crypto_assets
    keywords:
      - license
      - supervision
      - transfer
      - data
      - access
      - cross-border
      - guidelines
      - crypto-asset
      - crypto-asset services
      - crypto-asset service provider
      - business relationship
      - correspondent relationship
      - crypto-asset account
      - senior management
    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 36
      - target: Article 20
    external_references: []
    recitals: []

  - article_number: 38
    article_title: Specific measures for individual third-country respondent institutions
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 38"
    applies_to_entities:
      - credit_institutions
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - system
      - money laundering
      - terrorist financing
      - credit institution
      - financial institution
      - business relationship
      - correspondent relationship
      - supervisor
    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 36
      - target: Article 37
    external_references: []
    recitals: []

  - article_number: 39
    article_title: Prohibition of correspondent relationships with shell institutions
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 39"
    applies_to_entities:
      - credit_institutions
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - crypto_assets
    keywords:
      - credit institution
      - financial institution
      - crypto-asset
      - crypto-asset services
      - crypto-asset service provider
      - correspondent relationship
      - shell institution
    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: 40
    article_title: Measures to mitigate risks in relation to transactions with a self-hosted address
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 40"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - securitisation
      - beneficial_ownership
      - crypto_assets
    keywords:
      - sanction
      - transaction
      - transfer
      - guidelines
      - money laundering
      - crypto-asset
      - crypto-asset service provider
      - self-hosted address
      - beneficial owner
      - targeted financial sanctions
    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: 41
    article_title: Specific provisions regarding applicants for residence by investment schemes
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 41"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - transfer
      - scheme
      - property
    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 34
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 42
    article_title: Specific provisions regarding politically exposed persons
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 42"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - pep
    keywords:
      - transaction
      - guidelines
      - funds
      - business relationship
      - politically exposed person
      - family member
      - person known to be a close associate
      - senior management
    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 45
    external_references: []
    recitals:
      - 175

  - article_number: 43
    article_title: List of prominent public functions
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 43"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - committee_procedure
      - implementing_acts
    keywords:
      - establishment
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: true
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
        paragraph: "1"
      - target: Article 86
        paragraph: "2"
      - target: Article 85
    external_references: []
    recitals: []

  - article_number: 44
    article_title: Politically exposed persons who are beneficiaries of insurance policies
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 44"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
    keywords:
      - business relationship
      - beneficial owner
      - politically exposed person
      - senior management
    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: 45
    article_title: Measures for persons who cease to be politically exposed persons
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 45"
    applies_to_entities:
      - member_states
    topics:
      - aml
      - customer_due_diligence
      - pep
    keywords:
      - transaction
      - money laundering
      - terrorist financing
      - business relationship
      - third country
      - 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:
      - target: Article 20
      - target: Article 34
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 46
    article_title: Family members and persons known to be close associates of politically exposed persons
    chunk_file: /amlr/chunks/amlr_t03_ch04_enhanced_due_diligence.md
    path: "Chapter III > Section 4 > Article 46"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - politically exposed person
      - family member
    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 42
      - target: Article 44
      - target: Article 45
    external_references: []
    recitals: []

  - article_number: 47
    article_title: Specifications for the life and other investment-related insurance sector
    chunk_file: /amlr/chunks/amlr_t03_ch05_specific_customer_due_diligence_provisio.md
    path: "Chapter III > Section 5 > Article 47"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
    keywords:
      - third party
      - beneficial owner
      - legal arrangement
    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: []
    external_references: []
    recitals: []

  - article_number: 48
    article_title: General provisions relating to reliance on other obliged entities
    chunk_file: /amlr/chunks/amlr_t03_ch06_reliance_on_customer_due_diligence_perfo.md
    path: "Chapter III > Section 6 > Article 48"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - branch
      - third country
      - group
      - supervisory authority
    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 20
        paragraph: "1"
      - target: Article 49
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
    recitals: []

  - article_number: 49
    article_title: Process of reliance on another obliged entity
    chunk_file: /amlr/chunks/amlr_t03_ch06_reliance_on_customer_due_diligence_perfo.md
    path: "Chapter III > Section 6 > Article 49"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - digital_identity
    keywords:
      - data
      - business relationship
      - beneficial owner
      - 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 20
        paragraph: "1"
      - target: Article 48
        paragraph: "3"
    external_references:
      - instrument_type: regulation
        reference: "910/2014"
    recitals:
      - 168

  - article_number: 50
    article_title: Guidelines on reliance on other obliged entities
    chunk_file: /amlr/chunks/amlr_t03_ch06_reliance_on_customer_due_diligence_perfo.md
    path: "Chapter III > Section 6 > Article 50"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
    keywords:
      - guidelines
    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: 51
    article_title: Identification of beneficial owners for legal entities
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 51"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
    keywords:
      - beneficial owner
    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: []
    external_references: []
    recitals:
      - 157

  - article_number: 52
    article_title: Beneficial ownership through ownership interest
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 52"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
    keywords:
      - money laundering
      - terrorist financing
      - beneficial owner
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 51
      - target: Article 54
      - target: Article 85
      - target: Article 53
        paragraph: "3"
      - target: Article 53
        paragraph: "4"
      - target: Article 57
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
    recitals: []

  - article_number: 53
    article_title: Beneficial ownership through control
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 53"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
    keywords:
      - family member
    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: []
    external_references: []
    recitals:
      - 170

  - article_number: 54
    article_title: Coexistence of ownership interest and control in the ownership structure
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 54"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
    keywords:
      - beneficial owner
    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: []
    external_references: []
    recitals: []

  - article_number: 55
    article_title: Ownership structures involving legal arrangements or similar legal entities
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 55"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
    keywords:
      - beneficial owner
      - legal arrangement
    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 57
    external_references: []
    recitals: []

  - article_number: 56
    article_title: Notifications
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 56"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
    keywords:
      - notification
      - 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 51
      - target: Article 52
        paragraph: "4"
      - target: Article 63
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 57
    article_title: Identification of beneficial owners for legal entities similar to express trust
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 57"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
      - governance
      - committee_procedure
      - implementing_acts
    keywords:
      - access
      - notification
      - beneficial owner
      - express trust
      - basic information
      - management body
      - management body in its management function
      - management body in its supervisory function
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: true
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 51
      - target: Article 59
      - target: Article 86
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 58
    article_title: Identification of beneficial owners for express trusts and similar legal arrangements
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 58"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
      - committee_procedure
      - implementing_acts
    keywords:
      - access
      - notification
      - beneficial owner
      - express trust
      - legal arrangement
      - basic information
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: true
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 59
      - target: Article 86
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 59
    article_title: Identification of a class of beneficiaries
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 59"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
      - risk_assessment
    keywords:
      - scheme
      - notification
      - money laundering
      - terrorist financing
      - beneficial owner
      - express trust
      - legal arrangement
    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 57
      - target: Article 58
    external_references:
      - instrument_type: directive
        reference: "2016/2341"
    recitals: []

  - article_number: 60
    article_title: Identification of objects of a power and default takers in discretionary trusts
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 60"
    applies_to_entities:
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
    keywords:
      - beneficial owner
      - objects of a power
      - default taker
    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 59
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 61
    article_title: Identification of beneficial owners of collective investment undertakings
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 61"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
      - investment_funds
    keywords:
      - beneficial owner
    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 51
      - target: Article 58
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 62
    article_title: Beneficial ownership information
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 62"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
      - passporting
    keywords:
      - beneficial owner
      - express trust
      - objects of a power
      - default taker
      - legal arrangement
      - basic information
    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 22
        paragraph: "1"
      - target: Article 59
      - target: Article 60
    external_references: []
    recitals: []

  - article_number: 63
    article_title: Obligations of legal entities
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 63"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
      - governance
      - financial_statements
    keywords:
      - beneficial owner
      - legal arrangement
      - management body
    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 51
      - target: Article 52
      - target: Article 53
      - target: Article 54
      - target: Article 55
      - target: Article 56
      - target: Article 57
      - target: Article 20
      - target: Article 62
        paragraph: "1"
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
      - instrument_type: directive
        reference: "2024/1640"
    recitals: []

  - article_number: 64
    article_title: Trustee obligations
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 64"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
      - authorisation
    keywords:
      - transaction
      - agent
      - business relationship
      - beneficial owner
      - express trust
      - legal arrangement
      - basic information
    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 62
      - target: Article 51
      - target: Article 52
      - target: Article 53
      - target: Article 54
      - target: Article 55
      - target: Article 56
      - target: Article 57
      - target: Article 20
      - target: Article 62
        paragraph: "1"
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
    recitals: []

  - article_number: 65
    article_title: Exceptions to obligations of legal entities and legal arrangements
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 65"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
      - trading_venues
    keywords:
      - legal arrangement
    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 63
      - target: Article 64
      - target: Article 67
    external_references: []
    recitals: []

  - article_number: 66
    article_title: Nominee obligations
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 66"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
    keywords:
      - 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: []
    external_references: []
    recitals: []

  - article_number: 67
    article_title: Foreign legal entities and foreign legal arrangements
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 67"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
      - risk_assessment
    keywords:
      - transaction
      - money laundering
      - terrorist financing
      - business relationship
      - express trust
      - legal arrangement
    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 62
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
    recitals: []

  - article_number: 68
    article_title: Penalties
    chunk_file: /amlr/chunks/amlr_t04_beneficial_ownership_transparency.md
    path: "Chapter IV > Article 68"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - transparency
      - information_requirements
      - beneficial_ownership
      - liability
    keywords: []
    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 85
    external_references: []
    recitals: []

  - article_number: 69
    article_title: Reporting of suspicions
    chunk_file: /amlr/chunks/amlr_t05_reporting_obligations.md
    path: "Chapter V > Article 69"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - suspicious_transactions
    keywords:
      - transaction
      - agent
      - guidelines
      - reporting
      - terrorist financing
      - criminal activity
      - funds
      - partnership for information sharing
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: true
      transitional: false
    internal_references:
      - target: Article 11
        paragraph: "2"
      - target: Article 77
    external_references:
      - instrument_type: regulation
        reference: "2024/1620"
      - instrument_type: directive
        reference: "2019/1937"
    recitals: []

  - article_number: 70
    article_title: Specific provisions for reporting of suspicions by certain categories of obliged entities
    chunk_file: /amlr/chunks/amlr_t05_reporting_obligations.md
    path: "Chapter V > Article 70"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - suspicious_transactions
    keywords:
      - transaction
      - reporting
      - money laundering
      - terrorist financing
      - 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 69
        paragraph: "1"
      - target: Article 3
    external_references: []
    recitals: []

  - article_number: 71
    article_title: Refraining from carrying out transactions
    chunk_file: /amlr/chunks/amlr_t05_reporting_obligations.md
    path: "Chapter V > Article 71"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
      - suspicious_transactions
    keywords:
      - transaction
      - terrorist financing
      - criminal activity
      - competent authority
    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 69
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 72
    article_title: Disclosure to FIU
    chunk_file: /amlr/chunks/amlr_t05_reporting_obligations.md
    path: "Chapter V > Article 72"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - liability
      - suspicious_transactions
    keywords:
      - liability
      - 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 69
      - target: Article 70
    external_references: []
    recitals: []

  - article_number: 73
    article_title: Prohibition of disclosure
    chunk_file: /amlr/chunks/amlr_t05_reporting_obligations.md
    path: "Chapter V > Article 73"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
      - data_protection
    keywords:
      - transaction
      - data
      - agent
      - branch
      - network
      - money laundering
      - terrorist financing
      - criminal activity
      - third country
      - 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 69
      - target: Article 16
      - target: Article 3
    external_references: []
    recitals: []

  - article_number: 74
    article_title: Threshold-based reports of transactions in certain high-value goods
    chunk_file: /amlr/chunks/amlr_t05_reporting_obligations.md
    path: "Chapter V > Article 74"
    applies_to_entities:
      - credit_institutions
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - suspicious_transactions
    keywords:
      - transaction
      - transfer
      - reporting
      - credit institution
      - financial institution
      - high-value goods
    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: 75
    article_title: Exchange of information in the framework of partnerships for information sharing
    chunk_file: /amlr/chunks/amlr_t06_information_sharing.md
    path: "Chapter VI > Article 75"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
      - authorisation
      - data_protection
      - beneficial_ownership
      - suspicious_transactions
      - risk_assessment
      - transaction_reporting
      - ai_governance
    keywords:
      - authorisation
      - transaction
      - security
      - data
      - access
      - money laundering
      - terrorist financing
      - criminal activity
      - funds
      - business relationship
      - beneficial owner
      - partnership for information sharing
    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 69
      - target: Article 20
        paragraph: "2"
      - target: Article 77
        paragraph: "1"
      - target: Article 21
        paragraph: "3"
      - target: Article 29
      - target: Article 30
      - target: Article 31
      - target: Article 36
      - target: Article 37
      - target: Article 38
      - target: Article 39
      - target: Article 40
      - target: Article 41
      - target: Article 42
      - target: Article 43
      - target: Article 44
      - target: Article 45
      - target: Article 46
      - target: Article 2
        paragraph: "1"
      - target: Article 70
      - target: Article 49
        paragraph: "1"
      - target: Article 69
        paragraph: "1"
      - target: Article 9
    external_references:
      - instrument_type: directive
        reference: "2024/1640"
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: directive
        reference: "2016/680"
      - instrument_type: regulation
        reference: "2024/1620"
    recitals: []

  - article_number: 76
    article_title: Processing of personal data
    chunk_file: /amlr/chunks/amlr_t07_data_protection_and_record_retention.md
    path: "Chapter VII > Article 76"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - consumer_protection
      - data_protection
    keywords:
      - transaction
      - security
      - data
      - system
      - money laundering
      - terrorist financing
      - 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 20
      - target: Article 69
    external_references:
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: regulation
        reference: "2016/679"
    recitals: []

  - article_number: 77
    article_title: Record retention
    chunk_file: /amlr/chunks/amlr_t07_data_protection_and_record_retention.md
    path: "Chapter VII > Article 77"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
      - consumer_protection
      - data_protection
      - suspicious_transactions
      - digital_identity
      - transaction_reporting
    keywords:
      - transaction
      - data
      - money laundering
      - terrorist financing
      - 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 69
        paragraph: "2"
      - target: Article 9
    external_references:
      - instrument_type: regulation
        reference: "2016/679"
    recitals: []

  - article_number: 78
    article_title: Provision of records to competent authorities
    chunk_file: /amlr/chunks/amlr_t07_data_protection_and_record_retention.md
    path: "Chapter VII > Article 78"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - customer_due_diligence
      - 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: 79
    article_title: Anonymous accounts and bearer shares and bearer share warrants
    chunk_file: /amlr/chunks/amlr_t08_measures_to_mitigate_risks_deriving_from.md
    path: "Chapter VIII > Article 79"
    applies_to_entities:
      - credit_institutions
      - european_commission
      - financial_entities
    topics:
      - aml
      - customer_due_diligence
      - trading_venues
      - crypto_assets
    keywords:
      - transaction
      - card
      - credit institution
      - financial institution
      - crypto-asset
      - crypto-asset service provider
      - crypto-asset account
      - anonymity-enhancing coins
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 28
    external_references:
      - instrument_type: regulation
        reference: "2015/751"
      - instrument_type: regulation
        reference: "909/2014"
    recitals:
      - 157

  - article_number: 80
    article_title: Limits to large cash payments in exchange for goods or services
    chunk_file: /amlr/chunks/amlr_t08_measures_to_mitigate_risks_deriving_from.md
    path: "Chapter VIII > Article 80"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - european_commission
      - european_central_bank
    topics:
      - aml
      - customer_due_diligence
      - enforcement
      - suspicious_transactions
    keywords:
      - transaction
      - electronic money
      - funds
      - credit institution
      - cash
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 81
    article_title: Cooperation between FIUs and the EPPO
    chunk_file: /amlr/chunks/amlr_t09_ch01_cooperation_between_fius_and_the_eppo.md
    path: "Chapter IX > Section 1 > Article 81"
    applies_to_entities:
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - suspicious_transactions
    keywords:
      - reporting
      - money laundering
      - criminal activity
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: true
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "2024/1620"
    recitals: []

  - article_number: 82
    article_title: Requests for information to the EPPO
    chunk_file: /amlr/chunks/amlr_t09_ch01_cooperation_between_fius_and_the_eppo.md
    path: "Chapter IX > Section 1 > Article 82"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - suspicious_transactions
    keywords: []
    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: "2024/1640"
    recitals: []

  - article_number: 83
    article_title: Cooperation between FIUs and OLAF
    chunk_file: /amlr/chunks/amlr_t09_ch02_cooperation_between_fius_and_olaf.md
    path: "Chapter IX > Section 2 > Article 83"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - fraud_prevention
      - suspicious_transactions
    keywords:
      - fraud
    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: 84
    article_title: Requests for information to OLAF
    chunk_file: /amlr/chunks/amlr_t09_ch02_cooperation_between_fius_and_olaf.md
    path: "Chapter IX > Section 2 > Article 84"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - suspicious_transactions
    keywords: []
    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: "2024/1640"
    recitals: []

  - article_number: 85
    article_title: Exercise of the delegation
    chunk_file: /amlr/chunks/amlr_t09_ch03_other_provisions.md
    path: "Chapter IX > Section 3 > Article 85"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - aml
      - customer_due_diligence
    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 29
      - target: Article 30
      - target: Article 31
      - target: Article 34
      - target: Article 43
      - target: Article 52
      - target: Article 68
    external_references: []
    recitals: []

  - article_number: 86
    article_title: Committee procedure
    chunk_file: /amlr/chunks/amlr_t09_ch03_other_provisions.md
    path: "Chapter IX > Section 3 > Article 86"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
      - committee_procedure
    keywords:
      - money laundering
      - terrorist financing
    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: "2023/1113"
    recitals: []

  - article_number: 87
    article_title: Review
    chunk_file: /amlr/chunks/amlr_t09_ch03_other_provisions.md
    path: "Chapter IX > Section 3 > Article 87"
    applies_to_entities:
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
    keywords:
      - system
      - reporting
      - legal arrangement
    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 69
    external_references: []
    recitals: []

  - article_number: 88
    article_title: Reports
    chunk_file: /amlr/chunks/amlr_t09_ch03_other_provisions.md
    path: "Chapter IX > Section 3 > Article 88"
    applies_to_entities:
      - european_commission
    topics:
      - aml
      - customer_due_diligence
      - beneficial_ownership
    keywords:
      - transaction
      - access
      - reporting
      - cash
      - high-value goods
    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 74
    external_references: []
    recitals: []

  - article_number: 89
    article_title: Relation to Directive (EU) 2015/849
    chunk_file: /amlr/chunks/amlr_t09_ch03_other_provisions.md
    path: "Chapter IX > Section 3 > Article 89"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
    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: "2015/849"
      - instrument_type: directive
        reference: "2024/1640"
    recitals: []

  - article_number: 90
    article_title: Entry into force and application
    chunk_file: /amlr/chunks/amlr_t09_ch03_other_provisions.md
    path: "Chapter IX > Section 3 > Article 90"
    applies_to_entities: []
    topics:
      - aml
      - customer_due_diligence
    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: true
    internal_references: []
    external_references: []
    recitals: []