What is the beneficial-ownership threshold under AMLR?

AMLR standardises the beneficial-ownership definition across the EU at 25% of ownership, voting rights, or other ownership interest. For higher-risk sectors the European Commission may lower the threshold to 15%.

Does AMLR replace the earlier AML directives?

AMLR is a single, directly-applicable rulebook that consolidates the customer-due-diligence and beneficial-ownership rules previously spread across AMLD4/5. A parallel directive, AMLD6 (Directive (EU) 2024/1640), still requires national transposition and covers supervision and registers.

AMLA is the new EU Authority for Anti-Money Laundering, based in Frankfurt am Main. It coordinates national supervisors, will directly supervise selected high-risk cross-border institutions, and issues the Regulatory Technical Standards behind AMLR — the first batch due by 10 July 2026.

What is the AMLR timeline for 2026 and 2027?

The AML package was adopted in 2024, AMLA was set up in 2025, its first Regulatory Technical Standards were due on 10 July 2026, and Regulation (EU) 2024/1624 applies directly on 10 July 2027, when AMLD6 transposition is also due.

What is the application date of Regulation (EU) 2024/1624?

10 July 2027. It is a regulation, so it applies in every member state from that date without national transposition.

Is KYB mandatory under AMLR?

AMLR does not use the word KYB. It requires obliged entities to identify and verify customers that are legal entities, including their beneficial owners, and to monitor the relationship. KYB is how that is done in practice.

What is on an AMLR readiness checklist?

Verify the legal entity against an official registry, resolve beneficial owners at the 25% threshold, screen against sanctions continuously, monitor for material changes, and keep an audit trail of what was checked, against which source, and when.

AMLR 2026-2027: the EU anti-money-laundering compliance timeline

Regulation (EU) 2024/1624 (AMLR) applies directly across the EU on 10 July 2027. Because it is a regulation, not a directive, it needs no national transposition — one rulebook binds obliged entities EU-wide, replacing twenty-seven slightly different definitions of a beneficial owner.

The timeline

2024 — the AML package is adopted: AMLR, AMLD6 (Dir. (EU) 2024/1640) and the AMLA Regulation enter into force.
2025 — AMLA, the new EU AML authority, stands up in Frankfurt am Main.
10 Jul 2026 — AMLA delivers the first tranche of Regulatory Technical Standards.
10 Jul 2027 — AMLR applies directly; AMLD6 national transposition is due.

What changes for KYB

One EU-wide rulebook for customer due diligence; a standard beneficial-ownership bar of 25% (Commission may lower to 15% for higher-risk sectors); continuous ongoing monitoring rather than point-in-time checks; and tighter, auditable records.

Where Prometiam fits — and where it doesn't

Prometiam is the company-data and screening layer: official-registry verification across Europe (for example BORME, BODACC/RNE and Companies House), UK PSC beneficial-ownership links, sanctions plus US export-control screening (beta) across six sources (EU, UN, OFAC, UK, French gels, US Consolidated Screening List), and change monitoring for Spain, Ireland, Poland, Finland, Sweden, Belgium, Croatia, Denmark, Estonia, Slovakia, Switzerland, Latvia, Cyprus, Romania, Lithuania, Canada, Australia, Japan, Israel, Singapore, Colombia, Taiwan, Brazil and the United States — hosted in the EU (Frankfurt). It is not legal advice, not a PEP or adverse-media database, and not a full UBO register for every country: Ireland, Poland, Finland, Sweden, Belgium, Denmark, Estonia, Slovakia, Switzerland, Latvia, Cyprus, Romania, Croatia, Lithuania, Canada, Australia, Japan, Israel, Singapore, Colombia, Taiwan, Brazil and the United States are company-level only, and ES/FR/NO ownership leans on directors and structure. A readiness checklist maps onboarding flows to these requirements.

The timeline

When	What
2024	The AML package is adopted: AMLR (Reg. (EU) 2024/1624), AMLD6 (Dir. (EU) 2024/1640) and the AMLA Regulation enter into force.
2025	AMLA — the new EU AML authority — stands up in Frankfurt am Main and begins building its rulebook.
10 Jul 2026	AMLA delivers the first tranche of Regulatory Technical Standards (RTS) that operationalise AMLR.
10 Jul 2027	AMLR applies directly across the EU. AMLD6 national transposition is due. Obliged entities operate under the single rulebook.

Five things AMLR expects your KYB to do

Requirement	What it means	Where Prometiam fits
1. Verify the legal entity	Confirm the company exists, its status, legal form, and identifiers against an authoritative source.	Official registries — for example BORME (ES), BODACC/RNE (FR), Companies House (GB), CRO (IE), KRS (PL) and Enhetsregisteret (NO), plus every other registry the API covers — via `/companies/search` + `/companies/{id}`.
2. Resolve beneficial owners	Identify who ultimately owns/controls ≥25% (or 15% high-risk).	UK PSC (person-with-significant-control) links on `/companies/{id}?country=GB` and `/people/{id}`. See the caveat below on other countries.
3. Screen against sanctions	Check names against consolidated sanctions lists at onboarding and continuously.	Six sources (EU, UN, OFAC, UK, FR gels, plus the US Consolidated Screening List) in one fuzzy call via `/sanctions/screen` (beta).
4. Monitor on an ongoing basis	Detect material changes — directors, capital, dissolution, insolvency — after onboarding.	Event subscriptions via `/monitor` and `/company-events/timeline`, refreshed daily from official gazettes.
5. Keep an audit trail	Record what was checked, against which source, and when.	Every response carries the source registry + attribution and a stable record id you can log.

Frequently asked questions

When does AMLR take effect?: Regulation (EU) 2024/1624 — the AML Regulation, or AMLR — applies directly in every EU member state from 10 July 2027. Because it is a regulation, not a directive, it needs no national transposition: the same rulebook binds obliged entities EU-wide on that date.
What is the beneficial-ownership threshold under AMLR?: AMLR standardises the beneficial-ownership definition across the EU at 25% of ownership, voting rights, or other ownership interest. For higher-risk sectors the European Commission may lower the threshold to 15%.
Does AMLR replace the earlier AML directives?: AMLR is a single, directly-applicable rulebook that consolidates the customer-due-diligence and beneficial-ownership rules previously spread across AMLD4/5. A parallel directive, AMLD6 (Directive (EU) 2024/1640), still requires national transposition and covers supervision and registers.
What is AMLA?: AMLA is the new EU Authority for Anti-Money Laundering, based in Frankfurt am Main. It coordinates national supervisors, will directly supervise selected high-risk cross-border institutions, and issues the Regulatory Technical Standards behind AMLR — the first batch due by 10 July 2026.
How does Prometiam help with AMLR readiness?: Prometiam is the data and screening layer: it verifies legal entities against official EU + UK registries, returns UK PSC beneficial-ownership links, screens names against sanctions and US export-control lists (beta; six sources), and supports ongoing monitoring of changes (Spain, Ireland, Poland, Finland, Sweden, Belgium, Croatia, Denmark, Estonia, Slovakia, Switzerland, Latvia, Cyprus, Romania, Lithuania, Canada, Australia, Japan, Israel, Singapore, Colombia, Taiwan, Brazil and the United States). It is not legal advice. PEP screening is beta and Spain-only with no relatives or close associates, and adverse-media data is not provided.
What is the AMLR timeline for 2026 and 2027?: The AML package was adopted in 2024, AMLA was set up in 2025, its first Regulatory Technical Standards were due on 10 July 2026, and Regulation (EU) 2024/1624 applies directly on 10 July 2027, when AMLD6 transposition is also due.
What is the application date of Regulation (EU) 2024/1624?: 10 July 2027. It is a regulation, so it applies in every member state from that date without national transposition.
Is KYB mandatory under AMLR?: AMLR does not use the word KYB. It requires obliged entities to identify and verify customers that are legal entities, including their beneficial owners, and to monitor the relationship. KYB is how that is done in practice.
What is on an AMLR readiness checklist?: Verify the legal entity against an official registry, resolve beneficial owners at the 25% threshold, screen against sanctions continuously, monitor for material changes, and keep an audit trail of what was checked, against which source, and when.