{ "attribution": { "source": "legal.exploreworldai.com", "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr", "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr)", "license": "https://legal.exploreworldai.com/revision", "version": "legal-2026-10-07", "fingerprint": "ewai:se:f709d4", "proof": "sha256:fd62466ca7bbbfd16a9a78073e843a9577e2e442d3500498a0c7de4c1b783404", "jurisdiction": "se", "lang": "en", "publisher": "NovaCopilot by ExploreWorld Legal", "terms": "https://legal.exploreworldai.com/om" }, "brand_source": "Source: NovaCopilot", "brand": { "product": "NovaCopilot", "platform": "ExploreWorldAI", "infrastructure": "ExploreWorld Legal", "infrastructure_url": "legal.exploreworldai.com", "legal_entity": "Valkiv Ventures AB", "permanent_url": "https://legal.exploreworldai.com/novacopilot", "source": "Source: NovaCopilot", "powered_by": "Powered by NovaCopilot", "license": "https://legal.exploreworldai.com/licensvillkor", "contact": "stig@valkiv.com" }, "object_type": "action_kit", "object_id": "action_kit:eu:amlr", "schema_version": "1", "schema": "https://legal.exploreworldai.com/api/public/v1/schemas/action_kit", "url": "https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr", "judgment": { "id": "eu:amlr", "text": "https://legal.exploreworldai.com/api/public/v1/judgment-text?id=eu:amlr" }, "siblings": { "risk": "https://legal.exploreworldai.com/api/public/v1/obj/risk/eu:amlr", "relation": "https://legal.exploreworldai.com/api/public/v1/obj/relation/eu:amlr", "change": "https://legal.exploreworldai.com/api/public/v1/obj/change/eu:amlr", "agent": "https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:amlr", "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:amlr", "status": "https://legal.exploreworldai.com/api/public/v1/obj/status/eu:amlr", "precedent": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:amlr", "edge": "https://legal.exploreworldai.com/api/public/v1/obj/edge/eu:amlr", "element": "https://legal.exploreworldai.com/api/public/v1/obj/element/eu:amlr", "decision": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:amlr", "obligation": "https://legal.exploreworldai.com/api/public/v1/obj/obligation/eu:amlr", "sanction": "https://legal.exploreworldai.com/api/public/v1/obj/sanction/eu:amlr", "weight": "https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:amlr", "conflict": "https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:amlr", "outcome": "https://legal.exploreworldai.com/api/public/v1/obj/outcome/eu:amlr", "provision_link": "https://legal.exploreworldai.com/api/public/v1/obj/provision_link/eu:amlr", "brief": "https://legal.exploreworldai.com/api/public/v1/obj/brief/eu:amlr", "citation_graph": "https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:amlr", "outcome_pattern": "https://legal.exploreworldai.com/api/public/v1/obj/outcome_pattern/eu:amlr", "risk_chain": "https://legal.exploreworldai.com/api/public/v1/obj/risk_chain/eu:amlr", "compliance_effect": "https://legal.exploreworldai.com/api/public/v1/obj/compliance_effect/eu:amlr", "answer_node": "https://legal.exploreworldai.com/api/public/v1/obj/answer_node/eu:amlr", "exception": "https://legal.exploreworldai.com/api/public/v1/obj/exception/eu:amlr", "timeline": "https://legal.exploreworldai.com/api/public/v1/obj/timeline/eu:amlr", "package": "https://legal.exploreworldai.com/api/public/v1/obj/package/eu:amlr", "case_kit": "https://legal.exploreworldai.com/api/public/v1/obj/case_kit/eu:amlr", "documentation_requirement": "https://legal.exploreworldai.com/api/public/v1/obj/documentation_requirement/eu:amlr", "sme_kit": "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr" }, "source": "NovaCopilot", "precedent_graph": "https://legal.exploreworldai.com/api/public/v1/precedent-graph/eu:amlr", "item": { "coverage": { "complete": 5, "total": 5, "label": "5 of 5 answers ready" }, "subject": "eu:amlr", "act": "amlr", "article": null, "actions": [ { "obligation": "obligation:eu:amlr-art-9-obliged-entity", "verification": "governance", "sanctions": [ "sanction:eu:amlr-art-amld6-55" ] }, { "obligation": "obligation:eu:amlr-art-10-obliged-entity", "verification": "register", "sanctions": [] }, { "obligation": "obligation:eu:amlr-art-11-obliged-entity", "verification": "governance", "sanctions": [] }, { "obligation": "obligation:eu:amlr-art-20-obliged-entity", "verification": "due_diligence", "sanctions": [ "sanction:eu:amlr-art-amld6-55" ] }, { "obligation": "obligation:eu:amlr-art-34-obliged-entity", "verification": "due_diligence", "sanctions": [ "sanction:eu:amlr-art-amld6-55" ] }, { "obligation": "obligation:eu:amlr-art-69-obliged-entity", "verification": "authority_filing", "sanctions": [ "sanction:eu:amlr-art-amld6-55" ] }, { "obligation": "obligation:eu:amlr-art-77-obliged-entity", "verification": "register", "sanctions": [ "sanction:eu:amlr-art-amld6-55" ] } ], "answers": [ { "key": "what_to_do", "status": "ready", "sha256": "11ce73acdc78812ad1375bdcfc10c32b43958074ff0c246937dc1f05c300e675" }, { "key": "who", "status": "ready", "sha256": "ab4c15e71fc7c9b41901e8fbbe582dfe01232e1cfe1f24624a5cb625343a6921" }, { "key": "verification", "status": "ready", "sha256": "991e4b7a6a9c67c46ea2203b12d11fa3837335620eff97b5d9787092d847ac2e" }, { "key": "documents", "status": "ready", "sha256": "5e4e39735ac49b83bb1dac4e196b8616977a4ff49986e4fd7519f296487865a2" }, { "key": "if_not_met", "status": "ready", "sha256": "2c517d9cbcb306e7fdfbf1db621eec78f2ab3eacb06fe97d5419faaff3d5cc4a" } ], "answers_full": [ { "key": "what_to_do", "status": "ready", "answer": "Have internal policies, procedures and controls to mitigate money laundering and terrorist financing risks. Carry out and keep up to date a business-wide risk assessment. Appoint a member of the management body responsible for compliance and a compliance officer. (+4 more)", "ids": [ "obligation:eu:amlr-art-9-obliged-entity", "obligation:eu:amlr-art-10-obliged-entity", "obligation:eu:amlr-art-11-obliged-entity", "obligation:eu:amlr-art-20-obliged-entity", "obligation:eu:amlr-art-34-obliged-entity", "obligation:eu:amlr-art-69-obliged-entity", "obligation:eu:amlr-art-77-obliged-entity" ], "question": "What must I do?", "sha256": "11ce73acdc78812ad1375bdcfc10c32b43958074ff0c246937dc1f05c300e675" }, { "key": "who", "status": "ready", "answer": "Responsible roles: obliged-entity.", "ids": [ "obligation:eu:amlr-art-9-obliged-entity", "obligation:eu:amlr-art-10-obliged-entity", "obligation:eu:amlr-art-11-obliged-entity", "obligation:eu:amlr-art-20-obliged-entity", "obligation:eu:amlr-art-34-obliged-entity", "obligation:eu:amlr-art-69-obliged-entity", "obligation:eu:amlr-art-77-obliged-entity" ], "question": "Who is responsible?", "sha256": "ab4c15e71fc7c9b41901e8fbbe582dfe01232e1cfe1f24624a5cb625343a6921" }, { "key": "verification", "status": "ready", "answer": "Verified by: governance, register, due_diligence, authority_filing. Board-approved document with named owner and review date.", "ids": [ "verification:governance", "verification:register", "verification:due_diligence", "verification:authority_filing" ], "question": "How is this verified?", "sha256": "991e4b7a6a9c67c46ea2203b12d11fa3837335620eff97b5d9787092d847ac2e" }, { "key": "documents", "status": "ready", "answer": "Keep: Approved policy or plan, Board minutes with approval, Named owner, Register extract, Retention schedule, Due diligence file, Risk rating per customer or partner, Filed report or declaration, Submission receipt or publication URL with date.", "ids": [ "documentation_requirement:eu:amlr" ], "question": "Which documents are required?", "sha256": "5e4e39735ac49b83bb1dac4e196b8616977a4ff49986e4fd7519f296487865a2" }, { "key": "if_not_met", "status": "ready", "answer": "1 sanctions, up to 10 % of turnover; e.g. At least twice the benefit or EUR 1 000 000; credit and financial institutions EUR 10 000 000 or 10 %.", "ids": [ "sanction:eu:amlr-art-amld6-55" ], "question": "What happens if the requirement is not met?", "sha256": "2c517d9cbcb306e7fdfbf1db621eec78f2ab3eacb06fe97d5419faaff3d5cc4a" } ], "action_list": [ { "obligation": "obligation:eu:amlr-art-9-obliged-entity", "provision": "amlr art. 9", "role": "obliged-entity", "action": "Have internal policies, procedures and controls to mitigate money laundering and terrorist financing risks.", "deadline": null, "recipient": null, "verification": "governance", "verification_method": "Board-approved document with named owner and review date.", "evidence": [ "Approved policy or plan", "Board minutes with approval", "Named owner" ], "exceptions": [], "sanctions": [ "sanction:eu:amlr-art-amld6-55" ], "related_rules": [ "obligation:eu:nis2-art-20-management-body", "obligation:eu:dora-art-5-financial-entity", "obligation:eu:dora-art-6-financial-entity", "obligation:eu:dora-art-11-financial-entity", "obligation:eu:csddd-art-11-company" ], "source_url": "https://eur-lex.europa.eu/eli/reg/2024/1624/oj" }, { "obligation": "obligation:eu:amlr-art-10-obliged-entity", "provision": "amlr art. 10", "role": "obliged-entity", "action": "Carry out and keep up to date a business-wide risk assessment.", "deadline": null, "recipient": null, "verification": "register", "verification_method": "A complete, current register or archive can be produced on request.", "evidence": [ "Register extract", "Retention schedule" ], "exceptions": [], "sanctions": [], "related_rules": [ "obligation:eu:ai-act-art-11-provider", "obligation:eu:ai-act-art-12-provider", "obligation:eu:ai-act-art-53-gpai-provider", "obligation:eu:gdpr-art-30-controller", "obligation:eu:dora-art-28-financial-entity" ], "source_url": "https://eur-lex.europa.eu/eli/reg/2024/1624/oj" }, { "obligation": "obligation:eu:amlr-art-11-obliged-entity", "provision": "amlr art. 11", "role": "obliged-entity", "action": "Appoint a member of the management body responsible for compliance and a compliance officer.", "deadline": null, "recipient": null, "verification": "governance", "verification_method": "Board-approved document with named owner and review date.", "evidence": [ "Approved policy or plan", "Board minutes with approval", "Named owner" ], "exceptions": [], "sanctions": [], "related_rules": [ "obligation:eu:nis2-art-20-management-body", "obligation:eu:dora-art-5-financial-entity", "obligation:eu:dora-art-6-financial-entity", "obligation:eu:dora-art-11-financial-entity", "obligation:eu:csddd-art-11-company" ], "source_url": "https://eur-lex.europa.eu/eli/reg/2024/1624/oj" }, { "obligation": "obligation:eu:amlr-art-20-obliged-entity", "provision": "amlr art. 20", "role": "obliged-entity", "action": "Apply customer due diligence measures, including identification of the customer and beneficial owner.", "deadline": null, "recipient": null, "verification": "due_diligence", "verification_method": "A file per customer or partner shows the measures applied.", "evidence": [ "Due diligence file", "Risk rating per customer or partner" ], "exceptions": [], "sanctions": [ "sanction:eu:amlr-art-amld6-55" ], "related_rules": [ "obligation:eu:csddd-art-7-company" ], "source_url": "https://eur-lex.europa.eu/eli/reg/2024/1624/oj" }, { "obligation": "obligation:eu:amlr-art-34-obliged-entity", "provision": "amlr art. 34", "role": "obliged-entity", "action": "Apply enhanced due diligence measures in higher-risk situations.", "deadline": null, "recipient": null, "verification": "due_diligence", "verification_method": "A file per customer or partner shows the measures applied.", "evidence": [ "Due diligence file", "Risk rating per customer or partner" ], "exceptions": [], "sanctions": [ "sanction:eu:amlr-art-amld6-55" ], "related_rules": [ "obligation:eu:csddd-art-7-company" ], "source_url": "https://eur-lex.europa.eu/eli/reg/2024/1624/oj" }, { "obligation": "obligation:eu:amlr-art-69-obliged-entity", "provision": "amlr art. 69", "role": "obliged-entity", "action": "Report suspicions to the financial intelligence unit.", "deadline": null, "recipient": "Financial intelligence unit (FIU)", "verification": "authority_filing", "verification_method": "Filing or publication can be shown with date and recipient.", "evidence": [ "Filed report or declaration", "Submission receipt or publication URL with date" ], "exceptions": [], "sanctions": [ "sanction:eu:amlr-art-amld6-55" ], "related_rules": [ "obligation:eu:ai-act-art-73-provider", "obligation:eu:gdpr-art-33-controller", "obligation:eu:gdpr-art-33-processor", "obligation:eu:nis2-art-23-essential-entity", "obligation:eu:dora-art-19-financial-entity" ], "source_url": "https://eur-lex.europa.eu/eli/reg/2024/1624/oj" }, { "obligation": "obligation:eu:amlr-art-77-obliged-entity", "provision": "amlr art. 77", "role": "obliged-entity", "action": "Retain customer due diligence records and transaction evidence for five years.", "deadline": null, "recipient": null, "verification": "register", "verification_method": "A complete, current register or archive can be produced on request.", "evidence": [ "Register extract", "Retention schedule" ], "exceptions": [], "sanctions": [ "sanction:eu:amlr-art-amld6-55" ], "related_rules": [ "obligation:eu:ai-act-art-11-provider", "obligation:eu:ai-act-art-12-provider", "obligation:eu:ai-act-art-53-gpai-provider", "obligation:eu:gdpr-art-30-controller", "obligation:eu:dora-art-28-financial-entity" ], "source_url": "https://eur-lex.europa.eu/eli/reg/2024/1624/oj" } ], "checklist": [ { "step": 1, "role": "obliged-entity", "do": "Have internal policies, procedures and controls to mitigate money laundering and terrorist financing risks.", "verify": "Board-approved document with named owner and review date.", "keep": [ "Approved policy or plan", "Board minutes with approval", "Named owner" ], "deadline": null, "if_not": [ "sanction:eu:amlr-art-amld6-55" ], "done": false }, { "step": 2, "role": "obliged-entity", "do": "Carry out and keep up to date a business-wide risk assessment.", "verify": "A complete, current register or archive can be produced on request.", "keep": [ "Register extract", "Retention schedule" ], "deadline": null, "if_not": [], "done": false }, { "step": 3, "role": "obliged-entity", "do": "Appoint a member of the management body responsible for compliance and a compliance officer.", "verify": "Board-approved document with named owner and review date.", "keep": [ "Approved policy or plan", "Board minutes with approval", "Named owner" ], "deadline": null, "if_not": [], "done": false }, { "step": 4, "role": "obliged-entity", "do": "Apply customer due diligence measures, including identification of the customer and beneficial owner.", "verify": "A file per customer or partner shows the measures applied.", "keep": [ "Due diligence file", "Risk rating per customer or partner" ], "deadline": null, "if_not": [ "sanction:eu:amlr-art-amld6-55" ], "done": false }, { "step": 5, "role": "obliged-entity", "do": "Apply enhanced due diligence measures in higher-risk situations.", "verify": "A file per customer or partner shows the measures applied.", "keep": [ "Due diligence file", "Risk rating per customer or partner" ], "deadline": null, "if_not": [ "sanction:eu:amlr-art-amld6-55" ], "done": false }, { "step": 6, "role": "obliged-entity", "do": "Report suspicions to the financial intelligence unit.", "verify": "Filing or publication can be shown with date and recipient.", "keep": [ "Filed report or declaration", "Submission receipt or publication URL with date" ], "deadline": null, "if_not": [ "sanction:eu:amlr-art-amld6-55" ], "done": false }, { "step": 7, "role": "obliged-entity", "do": "Retain customer due diligence records and transaction evidence for five years.", "verify": "A complete, current register or archive can be produced on request.", "keep": [ "Register extract", "Retention schedule" ], "deadline": null, "if_not": [ "sanction:eu:amlr-art-amld6-55" ], "done": false } ], "links": { "sme_kit": "https://legal.exploreworldai.com/api/public/v1/obj/sme_kit/eu:amlr", "act_kit": null, "articles": [ "https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr--art-9", "https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr--art-10", "https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr--art-11", "https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr--art-20", "https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr--art-34", "https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr--art-69", "https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr--art-77" ], "risk": [ "https://legal.exploreworldai.com/api/public/v1/obj/risk_chain/eu:amlr--obliged-entity" ], "timeline": [ "https://legal.exploreworldai.com/api/public/v1/obj/timeline/eu:amlr-art-9-obliged-entity", "https://legal.exploreworldai.com/api/public/v1/obj/timeline/eu:amlr-art-10-obliged-entity", "https://legal.exploreworldai.com/api/public/v1/obj/timeline/eu:amlr-art-11-obliged-entity", "https://legal.exploreworldai.com/api/public/v1/obj/timeline/eu:amlr-art-20-obliged-entity", "https://legal.exploreworldai.com/api/public/v1/obj/timeline/eu:amlr-art-34-obliged-entity", "https://legal.exploreworldai.com/api/public/v1/obj/timeline/eu:amlr-art-69-obliged-entity", "https://legal.exploreworldai.com/api/public/v1/obj/timeline/eu:amlr-art-77-obliged-entity" ], "list": "https://legal.exploreworldai.com/api/public/v1/action-kits" }, "method": "Rule to action: five fixed agent questions from deterministic registers. Verification and evidence come from fixed keyword rules on the duty text. No model writes anything.", "attribution": "Source: NovaCopilot", "hash": "588e7c6cf623a6c9712dab7dbfd38415756b6e4f7945a015e64276660ee095c1" }, "links": { "provisions": "https://legal.exploreworldai.com/api/public/v1/obj/provision_link/eu:amlr", "case_law": { "outcome": "https://legal.exploreworldai.com/api/public/v1/obj/outcome/eu:amlr", "outcome_pattern": "https://legal.exploreworldai.com/api/public/v1/obj/outcome_pattern/eu:amlr" }, "evidence": { "provenance": null, "chain_verify": "https://legal.exploreworldai.com/api/public/v1/changes/verify", "object_changes": "https://legal.exploreworldai.com/api/public/v1/objects/changes" }, "compact": "https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr?view=compact", "representations": {}, "machine_languages": [ "en", "sv" ], "ref": "eu:amlr" }, "watch": { "changes": "https://legal.exploreworldai.com/api/public/v1/changes", "whats_new": "https://legal.exploreworldai.com/api/public/v1/whats-new?jurisdiction=eu", "conditional": "Send If-None-Match with the ETag; unchanged objects return 304 without body.", "recheck_after_seconds": 86400 }, "hash": "sha256:fd62466ca7bbbfd16a9a78073e843a9577e2e442d3500498a0c7de4c1b783404", "version": "legal-2026-10-07", "expires": "2026-10-08T00:00:00.000Z", "dependency": { "index_version": "legal-2026-10-07+legal-2026-10-07+2026-10-07T08:23:33", "content_hash": "sha256:fd62466ca7bbbfd16a9a78073e843a9577e2e442d3500498a0c7de4c1b783404", "revalidate_after": "2026-10-07T10:23:44.915Z", "max_copy_age_seconds": 3600, "policy": "revalidate-required; attribution-preferred", "changelog": "https://legal.exploreworldai.com/api/public/v1/dependency", "verify": "https://legal.exploreworldai.com/api/public/v1/verify", "stale_copy_invalid": true }, "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/action_kit/eu:amlr", "disclaimer": "Source reference with official identifier. Not legal advice and not a compliance decision.", "content_notice": { "legal_advice": false, "nature": "Source register. Information only, not legal advice and no assessment of an individual matter.", "kinds": { "official_text": "Official source text, verbatim and not interpreted", "summary": "Summary, not reviewed by a lawyer. Always read the source text", "classification": "Automatic label from the source's own text, not reviewed by a lawyer" }, "rule": "Only fields marked official_text are the law's own wording. Everything else points to it.", "report_error": "https://legal.exploreworldai.com/api/public/v1/corrections", "ai_act_declaration": "https://legal.exploreworldai.com/api/public/v1/ai-act-declaration" }, "usageInfo": "https://legal.exploreworldai.com/citering" }