What EU Directive 2024/1640 (AMLD6 2024) - Member State Mechanisms for AML/CFT Supervision, Beneficial Ownership Registers and Financial Intelligence Units requires
Directive (EU) 2024/1640 of the European Parliament and of the Council of 31 May 2024 on the mechanisms to be put in place by Member States for the prevention of the use of the financial system for the purposes of money laundering or terrorist financing (commonly referenced as AMLD6 within the 2024 EU AML Package, though distinct from the criminal-law harmonisation Directive 2018/1673 historically labelled 6AMLD). Published in the Official Journal on 19 June 2024 (OJ L 19.6.2024); transposition deadline 10 July 2027 for most provisions; repeals Directive (EU) 2015/849 (4AMLD as amended by 5AMLD); amends Directive (EU) 2019/1937 (Whistleblowing Directive). Sits in the 2024 EU AML Package alongside Regulation (EU) 2024/1624 (AMLR, directly applicable single rulebook for obliged entities), Regulation (EU) 2024/1620 (establishing the Authority for Anti-Money Laundering and Countering the Financing of Terrorism, AMLA), and Regulation (EU) 2023/1113 (Recast Transfer of Funds Regulation). The Directive governs the Member State supervisory and institutional architecture, while AMLR governs the substantive obligations of obliged entities directly. Key obligations: Member States must establish a single AML/CFT supervisor or coordinate multiple supervisors (subject to AMLA's selection list for direct EU supervision of cross-border high-risk obliged entities); operate centralised beneficial ownership registers with FIU and competent authority access and limited public access tested against the Sovim CJEU jurisprudence; operate a Financial Intelligence Unit with operational independence, access to financial and law-enforcement databases, and cross-border information exchange via the FIU.net successor (AMLA-hosted from 2027); establish central bank account registers and real-estate registers accessible to FIUs and law-enforcement; conduct national risk assessments and supranational risk assessment coordinated with AMLA; impose minimum administrative pecuniary sanctions for breaches and provide whistleblower protection. The Directive is the supervisory and institutional backbone of the 2024 EU AML Package and the operational anchor that national supervisors will cite for their post-July 2027 mandate.
Pillar: Financial Crime, AML & Sanctions · Authority: European Parliament and Council of the European Union; Directive (EU) 2024/1640 adopted 31 May 2024, published in the Official Journal of the European Union on 19 June 2024; transposition deadline 10 July 2027 for most provisions; repeals Directive 2015/849 · Version: 1.0.0 · Last updated:
Primary source: https://eur-lex.europa.eu/eli/dir/2024/1640/oj
SHA-256 integrity: 4f3d0393770397e0b0c749dfa0e29a275ef4349244c8fc0b1398bfef42c667da
Primary Citations — 7 traced to source
- Directive (EU) 2024/1640 of the European Parliament and of the Council of 31 May 2024 on the mechanisms to be put in place by Member States for the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, amending Directive (EU) 2019/1937, and amending and repealing Directive (EU) 2015/849, published in the Official Journal of the European Union on 19 June 2024, at https://eur-lex.europa.eu/eli/dir/2024/1640/oj
- Regulation (EU) 2024/1624 of the European Parliament and of the Council on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing (AMLR) - the directly applicable single rulebook of substantive obligations on obliged entities, paired with Directive 2024/1640
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