Article 1 – Subject matter

Article 2 – Definitions

Article 3 – Obliged entities

Article 4 – Exemptions for certain providers of gambling services

Article 5 – Exemptions for certain professional football clubs

Article 6 – Exemptions for certain financial activities

Article 7 – Prior notification of exemptions

Article 8 – Notification of cross-border operations and application of national law

Article 9 – Scope of internal policies, procedures and controls

Article 10 – Business-wide risk assessment

Article 11 – Compliance functions

Article 12 – Awareness of requirements

Article 13 – Integrity of employees

Article 14 – Reporting of breaches and protection of reporting persons

Article 15 – Situation of specific employees

Article 16 – Group-wide requirements

Article 17 – Branches and subsidiaries in third countries

Article 18 – Outsourcing

Article 19 – Application of customer due diligence measures

Article 20 – Customer due diligence measures

Article 21 – Inability to comply with the requirement to apply customer due diligence measures

Article 22 – Identification and verification of the identity of customers and beneficial owners

Article 23 – Timing of the verification of the customer and beneficial owner identity

Article 24 – Reporting of discrepancies with information contained in beneficial ownership registers

Article 25 – Identification of the purpose and intended nature of a business relationship or occasional transaction

Article 26 – Ongoing monitoring of the business relationship and monitoring of transactions performed by customers

Article 27 – Temporary measures for customers subject to UN financial sanctions

Article 28 – Regulatory technical standards on the information necessary for the performance of customer due diligence

Article 29 – Identification of third countries with significant strategic deficiencies in their national AML/CFT regimes

Article 30 – Identification of third countries with compliance weaknesses in their national AML/CFT regimes

Article 31 – Identification of third countries posing a specific and serious threat to the Union’s financial system

Article 32 – Guidelines on money laundering and terrorist financing risks, trends and methods

Article 33 – Simplified due diligence measures

Article 34 – Scope of application of enhanced due diligence measures

Article 35 – Countermeasures to mitigate money laundering and terrorist financing threats from outside the Union

Article 36 – Specific enhanced due diligence measures for cross-border correspondent relationships

Article 37 – Specific enhanced due diligence measures for cross-border correspondent relationships for crypto-asset service providers

Article 38 – Specific measures for individual third-country respondent institutions

Article 39 – Prohibition of correspondent relationships with shell institutions

Article 40 – Measures to mitigate risks in relation to transactions with a self-hosted address

Article 41 – Specific provisions regarding applicants for residence by investment schemes

Article 42 – Specific provisions regarding politically exposed persons

Article 43 – List of prominent public functions

Article 44 – Politically exposed persons who are beneficiaries of insurance policies

Article 45 – Measures for persons who cease to be politically exposed persons

Article 46 – Family members and persons known to be close associates of politically exposed persons

Article 47 – Specifications for the life and other investment-related insurance sector

Article 48 – General provisions relating to reliance on other obliged entities

Article 49 – Process of reliance on another obliged entity

Article 50 – Guidelines on reliance on other obliged entities

Article 51 – Identification of beneficial owners for legal entities

Article 52 – Beneficial ownership through ownership interest

Article 53 – Beneficial ownership through control

Article 54 – Coexistence of ownership interest and control in the ownership structure

Article 55 – Ownership structures involving legal arrangements or similar legal entities

Article 56 – Notifications

Article 57 – Identification of beneficial owners for legal entities similar to express trust

Article 58 – Identification of beneficial owners for express trusts and similar legal arrangements

Article 59 – Identification of a class of beneficiaries

Article 60 – Identification of objects of a power and default takers in discretionary trusts

Article 61 – Identification of beneficial owners of collective investment undertakings

Article 62 – Beneficial ownership information

Article 63 – Obligations of legal entities

Article 64 – Trustee obligations

Article 65 – Exceptions to obligations of legal entities and legal arrangements

Article 66 – Nominee obligations

Article 67 – Foreign legal entities and foreign legal arrangements

Article 68 – Penalties

Article 69 – Reporting of suspicions

Article 70 – Specific provisions for reporting of suspicions by certain categories of obliged entities

Article 71 – Refraining from carrying out transactions

Article 72 – Disclosure to FIU

Article 73 – Prohibition of disclosure

Article 74 – Threshold-based reports of transactions in certain high-value goods

Article 75 – Exchange of information in the framework of partnerships for information sharing

Article 76 – Processing of personal data

Article 77 – Record retention

Article 78 – Provision of records to competent authorities

Article 79 – Anonymous accounts and bearer shares and bearer share warrants

Article 80 – Limits to large cash payments in exchange for goods or services

Article 81 – Cooperation between FIUs and the EPPO

Article 82 – Requests for information to the EPPO

Article 83 – Cooperation between FIUs and OLAF

Article 84 – Requests for information to OLAF

Article 85 – Exercise of the delegation

Article 86 – Committee procedure

Article 87 – Review

Article 88 – Reports

Article 89 – Relation to Directive (EU) 2015/849

Article 90 – Entry into force and application