EBA and AMLA complete handover of AML/CFT mandates

The European Union has reached a major milestone in strengthening its fight against financial crime. As of 1 January 2026, all Anti‑Money Laundering and Counter‑Terrorist Financing (AML/CFT) mandates have officially transferred from the European Banking Authority (EBA) to the newly created Authority for Anti‑Money Laundering and Countering the Financing of Terrorism (AMLA).

This transition places AMLA at the centre of a unified EU‑wide supervisory framework—bringing greater consistency, stronger oversight, and enhanced cross‑border intelligence sharing. Key EBA tools, including the EuReCa database, supervisory insights, and risk assessments, have also moved to AMLA, ensuring continuity and strengthening the EU’s overall AML/CFT capabilities.
[eba.europa.eu]

For industry and supervisors, this means:

• Continued regulatory stability as existing EBA AML/CFT guidelines remain in effect until AMLA updates them.
• The emergence of a more harmonised Single Rulebook, reducing fragmentation across member states.
• Increased supervisory focus, as AMLA will directly oversee up to 40 high‑risk financial institutions across the EU.
• The new ESAs-AMLA cooperation framework will enable the EBA to continue addressing ML/TF risks through prudential work.
  
  

For clients of RMC Wise, the message is clear:
The EU is moving toward more consistent, centralised, and proactive AML supervision. Now is the time to strengthen compliance frameworks, ensure cross‑border readiness, and prepare for a more integrated supervisory environment—one that raises expectations but also reduces regulatory uncertainty.

If you'd like support navigating these changes or assessing your AML/CTF risk posture, RMC Wise is here to help.

You can reach us at this number +356 2347 9825 or by sending an email to info@rmcwise.com