European Unionnational competent authorities, ESMA, EBA and AMLA
The EU AML Regulation applies from 10 July 2027.
MiCA has brought crypto-asset service providers into an authorisation regime. The EU AML package then replaces the fragmented national AML rules with one directly applicable rulebook, and CASPs are obliged entities under it.
Next dated obligation
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Timeline (3)
EU Anti-Money Laundering Regulation applies
One directly applicable AML rulebook replaces national implementations across all member states: customer due diligence, beneficial ownership, ongoing monitoring and reporting, on the same terms everywhere.
Who is in scope
Obliged entities including crypto-asset service providers, payment institutions and credit institutions operating in the Union.
What to do
A regulation applies directly, so there is no national transposition to wait for and no local variation to plan around. Map your current national-law procedures onto the AMLR text and find where they diverge.
“The regulation will apply from 10 July 2027, with the exception of football clubs”
MiCA requires crypto-asset service providers to be authorised by a national competent authority before providing services in the Union, with a transitional period for firms already operating under national law.
Who is in scope
Crypto-asset service providers offering services in the EU.
What to do
Confirm the CASP application date and the end of your member state's transitional period directly against MiCA and your national competent authority. Reporting places both in the past, but the transitional period varied by member state and this hub does not assert a date it has not read.
When does the EU Anti-Money Laundering Regulation apply?
10 July 2027, according to the EUR-Lex summary of Regulation (EU) 2024/1624, with a later date for football clubs and agents.
Do crypto-asset service providers fall under the AMLR?
Yes. CASPs are obliged entities under the EU AML framework, so customer due diligence, ongoing monitoring and record keeping apply to them as they do to a payment institution.
Is there national transposition to wait for?
Not for the Regulation. It applies directly in every member state. The accompanying Directive is transposed nationally, but the single rulebook itself is not.
Is your policy ready for this date?
Two ways to find out without a call: have your current policy graded against this regulator, or read the rule pack the Onboarding Agent would run for you.
Hub created. AMLR application date verified against the EUR-Lex official summary; the MiCA transitional dates and AMLA's operational date are marked for confirmation.
Dates marked “confirm before launch” are ones we have not yet read in a primary source. We would rather show you that than a date we are not sure of. This is not legal advice.