AMLR 2027 for EU law, accounting and real estate firms
The EU Anti-Money Laundering Regulation (Regulation (EU) 2024/1624, known as AMLR) comes into force across all 27 EU member states on 10 July 2027.
What changes under the EU Anti-Money Laundering Regulation?
The EU Anti-Money Laundering Regulation (AMLR), Regulation (EU) 2024/1624, applies from 10 July 2027 to law firms carrying out activities within its scope. It introduces more specific requirements for client identification, beneficial ownership, ongoing monitoring and group-wide compliance arrangements.
For EU firms many obligations will be familiar, however implementation means assessing whether existing information, workflows and systems meet those requirements. The extent of change depends on current national rules and the firm’s existing controls. AMLR creates directly applicable EU requirements, while national provisions and professional guidance remain relevant.
Explore the changes
AMLR replaces much of the directive-based framework with a common EU rulebook. It makes existing obligations more specific while introducing additional requirements, including prescribed client information update intervals and more detailed beneficial ownership calculations.
Client onboarding and verification
AMLR specifies required identity data and verification rules more closely, with changes to transaction thresholds and checks on relevant parties.
Ownership and client structures
AMLR specifies ownership-chain calculations, requires a separate control assessment and clarifies requirements for trusts and other complex structures.
Risk and ongoing monitoring
AMLR sets maximum client information update intervals, differentiates country-related EDD and makes sanctions checks an explicit part of CDD.
Group-wide arrangements
AMLR strengthens information-sharing and oversight requirements across qualifying groups and structures, while each regulated entity retains responsibility for its compliance decisions.
Delivery, oversight and reporting
AMLR sets more detailed rules for outsourcing, CDD reliance and governance, alongside specific deadlines for providing evidence and responding to FIU requests.
Latest legislative updates
[Updated 23 October 2026]
Customer due diligence
Draft regulatory technical standards under AMLR Article 28(1) address the information required for customer due diligence. These are relevant to collection fields, evidence requirements and the design of onboarding workflows.
Read the final report and draft standards | Read the factsheet
Business relationships and transaction thresholds
Draft regulatory technical standards under AMLR Article 19(9) address business relationships, occasional and linked transactions, and lower thresholds. These help determine when particular due diligence requirements apply.
Group-wide arrangements and third-country restrictions
Draft regulatory technical standards under AMLR Articles 16(4) and 17(3) address group-wide controls, information sharing and measures where third-country laws prevent compliance.
Final Report - draft RTS | Factsheet - Group-wide minimum requirements | Factsheet on legal impediments in third countries | Layman's guide to AMLR 16 (4) and 17 (3)
One EU rulebook: what remains national?
AMLR applies directly, without being transposed into national law. That does not remove every national difference.
The wider framework includes AMLD6, which addresses national mechanisms such as supervision, financial intelligence units and registers. National provisions and professional guidance also remain relevant, including where AMLR permits Member State choices.
Firms therefore need to assess the common requirements alongside the provisions applicable in each jurisdiction where they operate.
Legislation and professional guidance
EU legislation and technical standards
AMLR: Regulation (EU) 2024/1624 - the directly applicable regulation.
AMLD6: Directive (EU) 2024/1640 - national mechanisms supporting the framework.
AMLA regulatory instruments - technical standards and guidance.
AMLA public consultations - proposals open for comment.
European legal profession
CCBE: Anti-money laundering - resources on AML issues affecting the legal profession.
National legal-profession resources
Belgium - Orde van Vlaamse Balies | AVOCATS.BE
France - Conseil National des Barreaux
Germany - Bundesrechtsanwaltskammer
Italy - Consiglio Nazionale Forense
Luxembourg - Ordre des Avocats du Barreau de Luxembourg
Netherlands - Nederlandse Orde van Advocaten
Spain - Abogacía Española