{ "attribution": { "source": "legal.exploreworldai.com", "canonical": "https://legal.exploreworldai.com/api/public/v1/topic-graph/eu/aml", "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/topic-graph/eu/aml)", "license": "https://legal.exploreworldai.com/revision", "version": "legal-2026-09-29", "fingerprint": "ewai:eu:2244e1", "proof": "sha256:ab13f2084072d9bb02c5ff02dd0b73fc6d92fa03ca984abf7cbbe497011b653e", "jurisdiction": "eu", "lang": "en" }, "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" }, "id": "topic:eu:aml", "object_type": "topic", "schema_version": "1", "jurisdiction": "eu", "title": "Penningtvätt (AMLR)", "title_en": "Anti-money laundering (AMLR)", "short_answer": "Verksamheter som omfattas måste känna sina kunder, identifiera verkliga huvudmän och rapportera misstänkta transaktioner. Kontanter över 10 000 euro förbjuds.", "short_answer_en": "Obliged entities must know their customers, identify beneficial owners and report suspicious transactions. Cash over EUR 10,000 is banned.", "applies": "Gäller från 10 juli 2027. Sanktionerna finns i direktiv (EU) 2024/1640.", "law": { "title": "Förordning (EU) 2024/1624", "celex": "32024R1624", "source_url": "https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32024R1624", "act_url": "https://legal.exploreworldai.com/eu/rattsakter/penningtvatt-2024-1624" }, "chain": { "elements": [ { "id": "topic:eu:aml#element-1", "label": "Verksamhetsutövare (banker, kryptotjänster, revisorer, fastighetsmäklare m.fl.)" }, { "id": "topic:eu:aml#element-2", "label": "Affärsförbindelse eller transaktion" }, { "id": "topic:eu:aml#element-3", "label": "Misstanke om penningtvätt" } ], "obligations": [ { "id": "topic:eu:aml#obligation-1", "duty": "Kundkännedom: identifiera och kontrollera kunden", "article": "art. 19–20", "source": "art. 19–20 Förordning (EU) 2024/1624" }, { "id": "topic:eu:aml#obligation-2", "duty": "Identifiera verklig huvudman", "article": "art. 51 och följande", "source": "art. 51 och följande Förordning (EU) 2024/1624" }, { "id": "topic:eu:aml#obligation-3", "duty": "Rapportera misstänkta transaktioner till finansunderrättelseenheten", "article": "art. 69", "source": "art. 69 Förordning (EU) 2024/1624" }, { "id": "topic:eu:aml#obligation-4", "duty": "Kontantgräns 10 000 euro för varor och tjänster", "article": "art. 80", "source": "art. 80 Förordning (EU) 2024/1624" } ], "sanction": { "id": "topic:eu:aml#sanction-1", "text": "Minst upp till dubbla vinsten eller 1 miljon euro. Kredit och finansinstitut: minst upp till 10 miljoner euro eller 10 % av omsättningen.", "article": "direktiv 2024/1640 art. 55" }, "compliance": [ "Riskbedömning", "Kundkännedomsrutin", "Register över verkliga huvudmän", "Rapporteringsrutin", "Utbildning" ] }, "next_questions": [ { "id": "topic:eu:aml#q:vem-ar-verklig-huvudman", "question": "Vem är verklig huvudman?", "answer": "Den fysiska person som äger eller kontrollerar mer än 25 % av företaget, eller på annat sätt har kontroll över det.", "question_en": "Who is a beneficial owner?", "answer_en": "The natural person who owns or controls more than 25% of the entity, or otherwise controls it.", "url": "https://legal.exploreworldai.com/eu/amne/aml/vem-ar-verklig-huvudman", "leads_to": null }, { "id": "topic:eu:aml#q:nar-ska-man-rapportera", "question": "När ska en misstänkt transaktion rapporteras?", "answer": "Genast när det finns misstanke eller skäl att misstänka att tillgångar härrör från brott eller finansierar terrorism.", "question_en": "When must a suspicious transaction be reported?", "answer_en": "Promptly when there is suspicion or reasonable grounds to suspect funds derive from crime or finance terrorism.", "url": "https://legal.exploreworldai.com/eu/amne/aml/nar-ska-man-rapportera", "leads_to": null }, { "id": "topic:eu:aml#q:galler-kontantgransen-alla", "question": "Gäller kontantgränsen på 10 000 euro alla?", "answer": "Ja, den gäller alla som säljer varor eller tjänster, inte bara verksamhetsutövare. Medlemsstaterna får ha lägre gräns.", "question_en": "Does the EUR 10,000 cash limit apply to everyone?", "answer_en": "Yes, it applies to anyone selling goods or services, not only obliged entities. Member states may set a lower limit.", "url": "https://legal.exploreworldai.com/eu/amne/aml/galler-kontantgransen-alla", "leads_to": null } ], "edges": [ { "type": "related", "to": "topic:eu:mica", "url": "https://legal.exploreworldai.com/api/public/v1/topic-graph/eu/mica" }, { "type": "related", "to": "topic:eu:dora", "url": "https://legal.exploreworldai.com/api/public/v1/topic-graph/eu/dora" }, { "type": "related", "to": "topic:eu:csddd", "url": "https://legal.exploreworldai.com/api/public/v1/topic-graph/eu/csddd" } ], "sha256": "77973e56eefbe50645a83ae526bdc02dc0330e21cbd9307140411de09ce776ce", "page": "https://legal.exploreworldai.com/eu/amne/aml", "permanent_url": "https://legal.exploreworldai.com/api/public/v1/topic-graph/eu/aml", "ask": "https://legal.exploreworldai.com/api/public/v1/agent/ask?q=Who%20is%20a%20beneficial%20owner%3F", "watch": { "changes": "https://legal.exploreworldai.com/api/public/v1/changes", "recheck_after_seconds": 86400, "how": "Send If-None-Match with the ETag; unchanged returns 304." }, "disclaimer": "Source reference with official identifier. Not legal advice and not a compliance decision.", "source": "NovaCopilot", "hash": "sha256:ab13f2084072d9bb02c5ff02dd0b73fc6d92fa03ca984abf7cbbe497011b653e", "version": "legal-2026-09-29", "expires": "2026-10-01T00:00:00.000Z", "dependency": { "index_version": "legal-2026-09-29+legal-2026-09-29+2026-09-29T21:40:00", "content_hash": "sha256:ab13f2084072d9bb02c5ff02dd0b73fc6d92fa03ca984abf7cbbe497011b653e", "revalidate_after": "2026-09-30T02:59:07.319Z", "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/topic-graph/eu/aml", "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" }