Poland amends its AML Act — bill UC75 transposes AMLD6

In brief

• What: a bill amending the Polish AML Act, transposing Directive AMLD6 (EU) 2024/1640 and supplementing the transposition of Directive (EU) 2015/849
• Who issues it: the Ministry of Finance (sponsor), the Government Legislation Centre (RCL, Poland)
• Status / timing: government bill (UC75) at the Standing Committee of the Council of Ministers stage — activity recorded on 11 June 2026; further stages (Legal Committee, Council of Ministers, Sejm) and the entry-into-force date are to be verified

What changes

Bill UC75 is a comprehensive amendment of the Act on counteracting money laundering and terrorist financing. Its purpose is to transpose Directive AMLD6 (EU) 2024/1640 into the Polish legal order, as well as to supplement the earlier transposition of Directive (EU) 2015/849. The bill has already completed inter-ministerial consultations, public consultations and opinions (September 2025), and the stages of the Council of Ministers Committee for Digital Affairs and the European Affairs Committee (January 2026). According to RCL information, on 11 June 2026 new activity was recorded at the Standing Committee of the Council of Ministers stage — the details of the changes introduced at this step are to be verified in the RCL documents.

Who is affected

The bill concerns all obliged entities within the meaning of the AML Act: banks, payment institutions, currency exchange offices, crypto-asset market participants, lawyers, accountants, real-estate agents and other entities listed in the Act. The supervisory body and addressee of the new rules is also the Polish FIU — GIIF (the General Inspector of Financial Information).

What it means for non-financial firms

This is not a change only for banks. The Polish AML Act covers many firms outside the financial sector — and bill UC75 maintains, or may extend, that scope in line with the requirements of AMLD6.

If you run a real-estate brokerage, a law firm, an accounting office or a tax-advisory practice, you are already an obliged entity today. The amendment may change specific obligations in these sectors: the scope of documentation, transaction thresholds, risk-assessment rules or reporting to GIIF. The detailed shape of the changes will only become clear after the next legislative stages.

Regardless of the final wording of the Act, it is worth making sure now that you have a sanction screening obligation in place — because that one already follows from rules in force today, not only from UC75.

What’s next

The bill still has to pass through the Legal Committee, the Council of Ministers and the Sejm — none of these dates is yet known. It is worth monitoring the government’s register of legislative work. Full documentation is available at RCL — project UC75.