AMLA consults on guidelines for ongoing monitoring of business relationships (EU AML package)

In brief

• What: consultation on draft guidelines for ongoing monitoring of business relationships.
• Who issues it: AMLA — the EU Anti-Money Laundering Authority (Frankfurt).
• Status / timing: consultation opened 3 June 2026; the comment deadline is published on the AMLA page.

What changes

AMLA has opened a public consultation on draft guidelines for the ongoing monitoring of business relationships under the EU AML package (the AML Regulation and the AMLD6 directive). The guidelines aim to clarify supervisory expectations of obliged entities regarding the continuous monitoring of customers and transactions — that is, what happens after a customer is onboarded, throughout the relationship.

Who is affected

EU obliged entities: banks, financial institutions, crypto-asset service providers (CASPs) and other entities subject to the AMLR.

What it means for non-financial firms

Today the guidelines mainly address the financial sector, so they do not yet create a new obligation for a typical non-financial firm. They are, however, another piece of the AMLR puzzle, which from 10 July 2027 will apply directly across the EU and cover a wider set of entities. “Ongoing monitoring” is not a one-off check of a customer at the point of contract, but a continuous process — and that is a practical pointer for firms only now building compliance. Start by establishing whether you have a sanction screening obligation and how the EU AML package and AMLA work. For relationship-driven sectors such as insurance, the ongoing-monitoring theme is especially relevant.

What’s next

After the consultation, AMLA will publish the final guidelines. Press release: AMLA consults on draft Guidelines on ongoing monitoring of business relationships.