Crypto Law Profile
EU AML/CFT package pairing directly applicable AMLR rules for obliged entities, including CASPs, with AMLD6 national mechanisms for supervision, FIUs and beneficial ownership registers.
Regulation (EU) 2024/1624 (the Anti-Money Laundering Regulation, or AMLR) and Directive (EU) 2024/1640 (AMLD6) form the main private-sector rulebook and Member State mechanism layer of the European Union’s 2024 AML/CFT package. Both acts were published in the Official Journal on June 19, 2024 and are listed by EUR-Lex as in force. The AMLR enters the compliance calendar through a later application date: most provisions apply from July 10, 2027, while specified categories of obliged entities are deferred to July 10, 2029. AMLD6 also has a main transposition deadline of July 10, 2027, with separate deadlines for selected beneficial-ownership and real-estate access provisions.
The package moves much of the EU’s preventive AML/CFT framework from directive-based national implementation toward a single, directly applicable regulation for obliged entities. The AMLR is designed to harmonize private-sector requirements across the internal market, including customer due diligence, beneficial ownership checks, internal controls, enhanced due diligence, reporting duties and restrictions relevant to high-risk relationships. AMLD6 sits beside the AMLR by requiring Member States to maintain national AML/CFT architecture, including risk assessments, supervisors, financial intelligence units, beneficial ownership registers, bank account registers and cooperation channels.
For crypto markets, the AMLR ties the AML framework to definitions in the Markets in Crypto-Assets Regulation and the Transfer of Funds Regulation. Crypto-asset service providers are treated as financial obliged entities, meaning the AMLR framework is expected to apply to CASPs that provide covered crypto-asset services. This profile should be read with related CryptoSlate law profiles for MiCA, the Transfer of Funds Regulation and the AMLA Regulation.
The two acts are not merely proposals. EUR-Lex records both as legal acts with an in-force status. Because publication occurred on June 19, 2024 and both acts enter into force on the twentieth day after publication, the entry-into-force date is July 9, 2024. The most important operational date for most AMLR obligations and AMLD6 national implementation is July 10, 2027.
AMLD6 repeals Directive (EU) 2015/849 with effect from July 10, 2027, with references to the repealed directive construed as references to AMLD6 and the AMLR. It also sets staggered transposition dates: Article 74 by July 10, 2025; Articles 11, 12, 13 and 15 by July 10, 2026; the main directive by July 10, 2027; and Article 18 by July 10, 2029. The AMLR likewise has a July 10, 2029 application date for the categories identified in Article 3, points (3)(n) and (o).
For a crypto-law reference profile, the EU AML Package should be framed as an AML/CFT compliance and supervisory framework rather than a market-access statute. It does not replace MiCA’s authorization regime for crypto-asset service providers, and it should not be described as legal advice on how a CASP should comply. The durable crypto relevance is that the AMLR places CASPs inside a harmonized EU AML rulebook while AMLD6 builds the national supervisory, FIU and registry infrastructure that supports enforcement and information access across Member States.
AMLR includes crypto-asset service providers as financial institutions, tying AML duties to MiCA and TFR definitions.
CASPs must apply CDD for occasional transactions of at least EUR 1,000 and identification-related CDD for below-threshold occasional transactions.
CASPs must assess ML/TF risks for transfers to or from self-hosted addresses and apply risk-based mitigating measures.
AMLD6 requires Member State architecture for FIUs, supervision, risk assessments, registers and authority cooperation.
Directive (EU) 2015/849 is repealed from July 10, 2027, with references read as references to AMLD6 and the AMLR.
European Commission presented the AML/CFT legislative package to harmonize EU rules and propose AMLA.
Parliament and Council reached political agreement on the AML/CFT package.
European Parliament plenary voted on the AML/CFT legislative package reports.
Council adopted the AML/CFT rules package, including the AMLA Regulation.
AMLR and AMLD6 were published in the Official Journal as Regulation 2024/1624 and Directive 2024/1640.
Both acts entered into force on the twentieth day after Official Journal publication.
AMLA, Council of the European Union, EU Member States, European Commission, European Parliament, Financial Intelligence Units
Crypto assets
Combined profile for the AMLR and AMLD6. The AMLA Regulation and Transfer of Funds Regulation are related instruments but are not the primary acts profiled here.
