{"object_type":"business_agent","schema_version":1,"title":"Suspicious transaction reporting to the FIU","core":{"id":"agent:eu:business:aml-suspicious-transaction-report","jurisdiction":"eu","domain":"financial","question":"What must I do if a transaction looks like money laundering?","affected_business":["Financial services firm","Obliged entity"],"applies_when":"Obliged entities under Article 2 of the AML Directive.","decision":"Yes, suspicions must be reported to the national financial intelligence unit.","obligation":"Report promptly, refrain from carrying out the transaction until reported and never disclose the report to the customer.","action":["Escalate the suspicion internally","File the report with the FIU","Hold the transaction where possible","Do not tip off the customer"],"deadline":"Promptly (Article 33(1)).","sources":[{"provision":"AMLD Art. 33","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L0849"},{"provision":"AMLD Art. 35","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L0849"},{"provision":"AMLD Art. 39","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L0849"},{"provision":"AMLD Art. 59(3)","url":"https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L0849"}],"read_at":"2026-10-15"},"sha256":"74671f0119674a6451d89f61d166e79aeba9d94fd834471de001ddad275ade8b","fields":["affected_business","decision","obligation","risk","action","deadline","verification"],"affected_business":["Financial services firm","Obliged entity"],"applies_when":"Obliged entities under Article 2 of the AML Directive.","decision":"Yes, suspicions must be reported to the national financial intelligence unit.","obligation":"Report promptly, refrain from carrying out the transaction until reported and never disclose the report to the customer.","risk":{"risk_level":"critical","risk_factors":["fine_cap_pct_turnover"]},"action":["Escalate the suspicion internally","File the report with the FIU","Hold the transaction where possible","Do not tip off the customer"],"deadline":"Promptly (Article 33(1)).","verification":{"sha256":"74671f0119674a6451d89f61d166e79aeba9d94fd834471de001ddad275ade8b","read_at":"2026-10-15","sources":["https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L0849","https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L0849","https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L0849","https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L0849"],"source":"Source: NovaCopilot"},"next_questions":["What is tipping off?","When must a listed company disclose a cyber incident?","Must a non-bank financial firm report a data breach to the FTC?","What must a financial entity report after a major ICT incident?","What is needed before offering a crypto-asset to the public in the EU?"],"related":[{"id":"agent:eu:business:aml-customer-due-diligence","type":"business_agent","url":"https://legal.exploreworldai.com/api/public/v1/business-agent?id=agent:eu:business:aml-customer-due-diligence"},{"id":"agent:eu:business:dora-ict-incident","type":"business_agent","url":"https://legal.exploreworldai.com/api/public/v1/business-agent?id=agent:eu:business:dora-ict-incident"},{"id":"agent:eu:business:mica-asset-referenced-token","type":"business_agent","url":"https://legal.exploreworldai.com/api/public/v1/business-agent?id=agent:eu:business:mica-asset-referenced-token"},{"id":"agent:eu:business:mica-casp-authorisation","type":"business_agent","url":"https://legal.exploreworldai.com/api/public/v1/business-agent?id=agent:eu:business:mica-casp-authorisation"},{"id":"agent:eu:business:mica-e-money-token","type":"business_agent","url":"https://legal.exploreworldai.com/api/public/v1/business-agent?id=agent:eu:business:mica-e-money-token"},{"id":"agent:eu:business:mica-white-paper","type":"business_agent","url":"https://legal.exploreworldai.com/api/public/v1/business-agent?id=agent:eu:business:mica-white-paper"},{"id":"agent:us:business:glba-safeguards-notice","type":"business_agent","url":"https://legal.exploreworldai.com/api/public/v1/business-agent?id=agent:us:business:glba-safeguards-notice"},{"id":"agent:us:business:sec-cyber-incident","type":"business_agent","url":"https://legal.exploreworldai.com/api/public/v1/business-agent?id=agent:us:business:sec-cyber-incident"}],"related_count":8,"page":"https://legal.exploreworldai.com/en/business-agents/eu-aml-suspicious-transaction-report","version":"74671f0119674a64","updated_at":"2026-10-15","first_published":"2026-10-15","changes_url":"https://legal.exploreworldai.com/api/public/v1/business-agent-changes","note":"Not legal advice. Verify each answer against the cited provision. Missing facts are not_in_register.","attribution":"Source: NovaCopilot","versions":{"model":"1.0","agent_version":"04e0dbeadb01f8d0","risk_version":"4f588fbe82a0569b","decision_version":"95858a82bebbdfb3","package_version":"e1b16760d2bc919a","change_score":0.25,"changed_dimensions":["package"],"changed_at":"2026-10-15","verified_at":"2026-10-15","next_check":"2026-10-22","is_current":true,"supersedes":[{"dimension":"package","version":"1d62bb5ea6ffd73f","until":"2026-10-15"}],"verify_url":"https://legal.exploreworldai.com/api/public/v1/versions/verify?id=agent%3Aeu%3Abusiness%3Aaml-suspicious-transaction-report","changes_url":"https://legal.exploreworldai.com/api/public/v1/living-versions","note":"change_score measures freshness only, never ranking.","impact":"not_in_register"},"withheld":{"links_full":8,"risk_model":3},"access":{"status":"partner_key_required","header":"x-partner-key","contact":"https://legal.exploreworldai.com/kontakt","note":"Facts and counts are public. Relationships and decision paths stay inside NovaCopilot."},"access_class":"decision","access_view":"public","freshness":{"freshness_class":"live","as_of":"2026-11-03T09:36:37.347Z","valid_for":3600,"recheck":"https://legal.exploreworldai.com/api/public/v1/business-agent?id=agent%3Aeu%3Abusiness%3Aaml-suspicious-transaction-report","note":"Kontrollera mot recheck efter valid_for sekunder. If-None-Match ger 304 när inget ändrats.","tokens":1713}}