Links to Regulations and Regulatory Bodies

Stay informed. Access key regulatory frameworks, official guidance and competent authorities involved in financial crime compliance.

AML Academy provides direct access to trusted legal, regulatory, and institutional resources that shape AML/CFT, sanctions and compliance across Europe and beyond. Use this page to explore latest regulations, directives and oversight bodies guiding financial institutions and compliance professionals.

European Union Regulations and Authorities

Official website: https://www.amla.europa.eu/

What it is:
AMLA is the new EU authority for anti-money laundering and countering the financing of terrorism (AML/CFT). It will coordinate national supervisors, directly supervise high-risk cross-border institutions, and help harmonise AML supervision across the EU. It is based in Frankfurt and is expected to become operational in 2025.

Key regulations / documents:

Proposal for a Regulation establishing AMLA (COM/2021/421 final): Creates AMLA as an EU-level supervisor and coordination hub for FIUs.
EU AML/CFT Legislative Package overview (European Commission): The full 2021 reform package that set up AMLA and the single EU AML rulebook.
Regulation (EU) 2024/1620 of the European Parliament and of the Council of 31 May 2024 establishing the Authority for Anti-Money Laundering and Countering the Financing of Terrorism and amending Regulations (EU) No 1093/2010, (EU) No 1094/2010 and (EU) No 1095/2010.
Regulation (EU) 2024/1624 of the European Parliament and of the Council of 31 May 2024 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing.
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.

Proposal for a REGULATION 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.

This is the directly applicable EU AML Regulation — it harmonises AML/CFT requirements across all obliged entities in the EU (customer due diligence, beneficial owner transparency, etc.). It replaces the patchwork of national rules with one rulebook.

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.

What it is:
AMLD6 sets out how Member States must organise supervision, FIUs, access to information, and cooperation. It focuses on enforcement, information sharing, and FIU powers. It replaces and repeals earlier AML directives.

EU Sanctions Map (official consolidated restrictive measures & legal acts).

What it is:
Interactive, official EU view of all current sanctions regimes (financial sanctions, asset freezes, travel bans, sectoral bans). Used for sanctions screening and compliance.

Official website: https://www.eba.europa.eu/homepage

The EBA develops the EU “single rulebook” for banking and issues AML/CFT guidelines for financial institutions. It promotes consistent supervision across all EU banks and investment firms.

Key regulations / guidelines:

EBA Guidelines on ML/TF Risk Factors: Risk-based approach expectations for customer due diligence and ongoing monitoring.
EBA Guidelines on the role of the AML/CFT Compliance Officer: Defines responsibilities of AML officers and the management body.
EBA Opinions on ML/TF Risk in the EU Financial Sector (periodic risk assessment).
Guidelines on information requirements in relation to transfers of funds and certain crypto-assets transfers under Regulation (EU) 2023/1113.

Official website (AML/CFT page): https://www.bankingsupervision.europa.eu/framework/legal-framework/anti-money-laundering/html/index.en.html

The ECB supervises significant euro-area banks for prudential safety and soundness. While AML/CFT supervision formally sits with national AML authorities, the ECB integrates AML/CFT findings (governance, fit & proper management assessments, internal controls) into prudential supervision.

Key supervisory documents:

ECB Guide to Fit and Proper assessment: Sets expectations for management suitability, including integrity and AML/CFT concerns.
Directive 2013/36/EU of the European Parliament and of the Council of 26 June 2013 on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms.

Official AML/CFT page:
https://finance.ec.europa.eu/financial-crime/anti-money-laundering-and-countering-financing-terrorism-overview_en

The Commission drafts EU AML/CFT legislation (Regulations, Directives, transfer of funds rules), proposes the creation of AMLA, coordinates on sanctions policy, and drives the EU AML Action Plan.

Key documents:

AML/CFT Action Plan (2020) and Legislative Package (2021)
Transfer of Funds / Crypto Travel Rule updates (part of the same package).

Official webiste: https://www.esma.europa.eu/about-esma

What is it:
ESMA, or the European Securities and Markets Authority, is the EU's financial markets regulator and supervisor, established in 2011. Its mission is to enhance investor protection, promote orderly financial markets, and safeguard financial stability. ESMA oversees the functioning of EU financial markets, investigates incidents, and develops policies to ensure transparency and integrity in the markets. It plays a crucial role in creating a single rulebook for EU financial markets and collaborates with other European Supervisory Authorities to ensure consistent supervision across Member States.

ESMA is the supervisor of administrators of EU critical benchmarks, and of third-country administrators recognised in the EU. Starting 1 January 2026, ESMA will be the single entry point for all third country benchmarks administrators in the EU, and will be in charge of supervising both third country benchmarks administrators in the EU, and will be in charge of supervising both third country recognised and endorsed benchmarks. ESMA is also responsible for promoting the consistent implementation of the Benchmarks Regulation across the EU, using a variety of policy tools.

International Standards and Frameworks

Official website: https://www.fatf-gafi.org/en/

FATF is the global standard-setter for anti-money laundering, counter-terrorist financing, and counter-proliferation financing. Its 40 Recommendations are the baseline AML/CFT standard worldwide.

Key standards / guidance:

The FATF Recommendations
Guidance for a Risk-Based Approach to Virtual Assets and Virtual Asset Service Providers (VASPs): Explains how AML/CFT obligations apply to crypto/virtual asset service providers, incl. Travel Rule expectations.
Targeted Update on Virtual Assets / VASPs (June 2023)

Official website: https://www.oecd.org/

The OECD sets international anti-bribery and corporate governance standards. The OECD Anti-Bribery Convention criminalises bribery of foreign public officials in international business. It also issues the G20/OECD Principles of Corporate Governance.

Key instruments:

OECD Anti-Bribery Convention (“Convention on Combating Bribery of Foreign Public Officials in International Business Transactions”)
G20/OECD Principles of Corporate Governance (2023): Global benchmark for governance, transparency, board responsibility, and investor protection.

Official website (hosted by the Bank for International Settlements): https://www.bis.org/bcbs/

BCBS issues global prudential standards for banks. Its AML/CFT-related guidance focuses on customer due diligence, KYC, governance, and risk management in banks.

Key documents:

Customer due diligence for banks (BCBS): Sets expectations for customer acceptance policies, identification, beneficial owner verification, and ongoing monitoring of higher-risk accounts.
Fit & proper / governance expectations often feed into ECB prudential supervision and EU SSM practice. (Inference based on ECB fit and proper guide and BCBS governance standards.)

Official website: https://egmontgroup.org/

The Egmont Group is a global network of Financial Intelligence Units (FIUs). It provides a secure platform for FIUs to exchange financial intelligence, cooperate across borders, and strengthen AML/CFT investigations.

Key materials:

Egmont Group resources on FIU cooperation and information exchange are published here: (FIU best practices, typologies, training.)

Slovenian Regulations and Authorities

Official website (EN): https://www.a-tvp.si/eng

ATVP is the Slovenian securities regulator. It supervises investment firms, brokerage services, market abuse, transparency, and licensing in the Slovenian capital markets. Itis an independent public authority.

Key regulations / guidance:

Rules and supervisory notices for investment firms, fund managers, and other licensed entities published by ATVP (on the ATVP site under “Lists / Registers” and regulatory publications)
National implementation of EU AML/CFT and market abuse rules in the Slovenian securities sector (ATVP supervises compliance within its remit).

(Urad RS za preprečevanje pranja denarja – Slovenian FIU)

Official website (EN): https://www.gov.si/en/state-authorities/bodies-within-ministries/office-for-money-laundering-prevention/

This is Slovenia’s Financial Intelligence Unit (FIU). It sits under the Ministry of Finance and is responsible for receiving, analysing, and disseminating suspicious transaction/activity reports, supervising AML/CFT obligations, and coordinating with obliged entities and foreign FIUs.

Key regulations / guidance:

Prevention of Money Laundering and Terrorist Financing Act (ZPPDFT-2): Prevention of Money Laundering and Terrorist Financing Act (Zakon o preprečevanju pranja denarja in financiranja terorizma, ZPPDFT-2, as amended). This Act transposes EU AML directives into Slovenian law and sets out obligations for banks, fintechs, notaries, casinos, etc.

Official website (EN): https://www.bsi.si/en

At the Bank of Slovenia, in accordance with the provisions of the Prevention of Money Laundering and Terrorism Financing Act (ZPPDFT-2) in connection with other laws (ZBan-3, ZPlaSSIED), supervision is carried out over the implementation of the provisions of ZPPDFT-2 for the following supervisory entities:

1. banks, savings banks, and branches of foreign banks in the Republic of Slovenia,

2. payment institutions and payment institutions with exemptions,

3. electronic money issuers and electronic money issuers with exemptions,

4. exchange offices,

5. legal and natural persons providing virtual currency services or other activitiesrelated to these services (so-called virtual currency service providers).

Information on Banka Slovenije Measures Imposed: https://www.bsi.si/en/banking-supervision/information-on-banka-slovenije-measures-imposed

Legal framework: https://www.bsi.si/en/legal-framework?q[area]=1&q[child_area]=19

Publications: https://www.bsi.si/en/publications

Official website (EN): https://www.gov.si/en/state-authorities/bodies-within-ministries/office-for-money-laundering-prevention/

The Supervision Insurance Agency’s basic

Crypto & Virtual Assets Regulation

Regulation (EU) 2023/1114 of the European Parliament and of the Council of 31 May 2023 on markets in crypto-assets, and amending Regulations (EU) No 1093/2010 and (EU)No 1095/2010 and Directives 2013/36/EU and (EU) 2019/1937.

What it is:
MiCA is the EU’s comprehensive crypto framework. It sets licensing, conduct, disclosure, capital, and governance requirements for crypto-asset issuers and crypto-asset service providers (exchanges, custodians, stable coin issuers). It’s the first broad crypto rulebook of its kind globally and links directly to AML/CFT expectations.

Guidance: https://www.fatf-gafi.org/en/publications/Fatfrecommendations/Guidance-rba-virtual-assets-2021.html

Update (June 2023): Targeted update on implementation of the FATF Standards on Virtual Assets Service Providers

What it is:
Global AML/CFT expectations for crypto. Covers Travel Rule, VASP registration/supervision, risk-based controls for wallet providers, exchanges, stablecoin issuers, etc.

Anti-Corruption & Corporate Governance

Official website (Anti-Corruption & Economic Crime Branch): https://www.unodc.org/corruption/en/index.html

UNODC supports implementation of the UN Convention against Corruption, helps countries strengthen anti-corruption enforcement, asset recovery, and corporate integrity programs.

Official website: https://www.transparency.org/en

Global civil society organization focused on fighting corruption, promoting transparency, and publishing tools like the Corruption Perceptions Index. Often used in corporate ESG / integrity programs.

Key resources:

Corruption Perceptions Index (annual global ranking of perceived public-sector corruption).
Anti-corruption helpdesk

Reference page: https://www.iso.org/standard/37001

What it is:
ISO 37001 is the international standard for establishing, implementing, maintaining, and improving an anti-bribery management system. Organizations use it to build and certify internal anti-bribery controls, due diligence, whistleblowing channels, and governance. The latest update (ISO 37001:2025) strengthens expectations around compliance culture and conflict-of-interest management.

Document: G20/OECD Principles of Corporate Governance (2023)

What it is:
Global benchmark for board accountability, disclosure, shareholder rights, sustainability oversight, and anti-abuse of corporate structures. These principles are widely used by regulators, stock exchanges, and listed companies.

Note

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