🇪🇺 Live AML & Counter-Terrorism Financing

EU 6th Anti-Money Laundering Directive (Directive 2024/1640)

Strengthens EU anti-money laundering rules with expanded predicate offences and criminal liability.

View official source document

Rules extracted

147

Obligations decomposed

12.3x

Avg obligations per rule

🇪🇺 European Union

Jurisdiction

About this regulation

AMLD6 establishes the mechanisms Member States must put in place for the prevention of the use of the financial system for the purposes of money laundering or terrorist financing. It replaces Directive 2015/849 (AMLD4/5) and works alongside the directly applicable AML Regulation (EU) 2024/1624 (AMLR) and the AMLA Regulation (EU) 2024/1620. Key innovations include expanded beneficial ownership registers, centralized bank account registers (BARIS), enhanced FIU powers, supervision of self-regulatory bodies, and requirements for virtual asset service providers.

What AuditDSS covers

Source

Regulation

Extracted

Rules

Decomposed

147

Obligations

12.3x

Decomposition ratio

Each rule is decomposed into an average of 12.3 atomic obligations — the smallest testable units that can be independently violated.

Fully extracted & scored

All 147 obligations have been decomposed, titled, risk-scored, and embedded for semantic matching.

Risk scoring

Every obligation in AMLD6 is scored across independent risk dimensions:

Obligation Weight

How critical within the regulatory framework

Violation Likelihood

How often breached in practice

Enforcement Evidence

Regulator enforcement history and penalties

Cascade Dependency

How many obligations depend on this one

Regulatory details

Full title: EU 6th Anti-Money Laundering Directive (Directive 2024/1640)
Regulatory body: European Parliament and Council
Jurisdiction: 🇪🇺 European Union
Document type: directive
Effective date: July 10, 2027
Issuing authority: European Parliament and Council of the European Union
Industry: AML & Counter-Terrorism Financing
Official source: View source document ↗

Who this applies to

credit institutionsfinancial institutionsvirtual asset service providerslawyersnotariesauditorstax advisorstrust and company service providersestate agentsdealers in precious metals and stonescrowdfunding service providers

Key requirements

national risk assessment
beneficial ownership registers
bank account registers (BARIS)
FIU establishment and powers
risk-based supervision
self-regulatory body oversight
cross-border cooperation
administrative sanctions (EUR 10M or 10% turnover)
whistleblower protection

Frequently asked questions about AMLD6

What is AMLD6?

Who does AMLD6 apply to?

AMLD6 applies to credit institutions, financial institutions, virtual asset service providers, lawyers, notaries, auditors, tax advisors, trust and company service providers, estate agents, dealers in precious metals and stones, crowdfunding service providers.

How many obligations does AMLD6 contain?

AuditDSS has decomposed AMLD6 into 147 atomic obligations from 12 rules. Each obligation is independently testable and risk-scored.

What are the key requirements of AMLD6?

The key requirements include: national risk assessment, beneficial ownership registers, bank account registers (BARIS), FIU establishment and powers, risk-based supervision, self-regulatory body oversight, cross-border cooperation, administrative sanctions (EUR 10M or 10% turnover), whistleblower protection.

How can I assess my AMLD6 compliance?

Upload your compliance policy to AuditDSS. The platform maps your document against all 147 AMLD6 obligations using deterministic AI scoring — not checklists or LLM summaries. You get a risk-scored gap analysis showing exactly which obligations are covered, partially covered, or missing.

Which jurisdiction enforces AMLD6?

AMLD6 is enforced in European Union by European Parliament and Council.

When did AMLD6 come into effect?

AMLD6 became effective on July 10, 2027.

What industry does AMLD6 apply to?

AMLD6 is primarily relevant to the AML & Counter-Terrorism Financing industry. AuditDSS covers 64 regulations in this industry sector.

Build a AMLD6 compliance pack

Don't have a compliance policy yet? AuditDSS generates a complete compliance pack for AMLD6 — alone or combined with other regulations your business needs. Every clause is mapped to specific obligations.

Policy

High-level commitments and governance framework covering AMLD6 requirements.

Procedures

Step-by-step operational procedures to implement each policy commitment.

Forms & checklists

Ready-to-use forms, registers, and checklists for day-to-day compliance operations.

Multi-regulation

Combine AMLD6 with other regulations into a single unified compliance pack for your business.

Build AMLD6 compliance pack

Already have a policy? Assess it against AMLD6

Upload your document

Upload your compliance policy, program manual, or operational document. AuditDSS accepts any text-based document.

AI maps against 147 obligations

Your document is scored against every obligation in AMLD6. Each claim is mapped to the obligation tree and evaluated for coverage.

Risk-scored gap report

Receive every gap ranked by risk priority with remediation guidance, enforcement evidence, and cascade impact analysis.