AML REGULATION (AMLR)
AML regulation (AMLR) for the sectors that have to live with it
Regulation (EU) 2024/1624 applies from 10 July 2027. Here is what it changes for crypto, payments, gaming, real estate and professional firms, seen from Malta.
Most AMLR explainers treat every firm alike. They should not. A crypto-asset service provider, a casino and a two-partner law firm all face the same text, Regulation (EU) 2024/1624, but the clauses that bite are different for each.
This site is written by Shoulder Compliance, a Malta consultancy that does AML work for regulated and unregulated businesses. We take the AML regulation (AMLR) one sector at a time and say plainly where Maltese practice and cross-border groups add a twist.
Start with the general picture
The Regulation is directly applicable. Malta does not need to pass a transposing act, and from 10 July 2027 it operates alongside the national rulebook you know today. Our page on AML regulation in the EU covers who is in scope and the main building blocks.
Then go to your sector
- Crypto-asset service providers: a EUR 1,000 trigger, self-hosted wallets, no anonymous accounts.
- Payment and e-money institutions: how they fall into the definitions, and what cross-border groups should expect.
- Gambling operators: a EUR 2,000 trigger and a narrow route to exemption.
- Real estate agents: both sides of the deal, and high-rent lettings.
- Lawyers, accountants and TCSPs: the reporting carve-out is narrower than many assume.
- The Malta view: FIAU, MFSA and what stays national.
For groups, read cross-border groups under the AMLR and what AMLA direct supervision means.
What this means for you
If you are not sure which of these descriptions fits you, or whether you fit more than one, tell us what you do through the enquiry form and we will say which provisions matter first. You can also schedule a no-obligation call and talk to an expert before you decide anything.
This site gives general information, not legal advice.
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What we do
AML Regulation in the EU (AMLR) Explained
The EU AML regulation (AMLR), Regulation 2024/1624, applies from 10 July 2027. Who is covered, which thresholds matter and what to do first.
AMLR for Crypto-Asset Service Providers (CASPs)
What the EU AML regulation (AMLR) changes for crypto-asset service providers: EUR 1,000 CDD trigger, self-hosted wallets and anonymous accounts.
AMLR for Gambling Operators and Casinos
What the EU AML regulation (AMLR) asks of gambling operators and casinos: the EUR 2,000 trigger, Article 4 exemptions and casino-entry ID.
AMLR for Lawyers, Accountants and TCSPs
How the EU AML regulation (AMLR) applies to lawyers, accountants, tax advisors and trust or company service providers, and where privilege stops.
AMLR in Malta: FIAU, MFSA and Cross-Border Firms
How the EU AML regulation (AMLR) lands in Malta: roles of the FIAU and MFSA, direct effect from 10 July 2027, and cross-border groups.
AMLR for Payment and E-Money Institutions
How the EU AML regulation (AMLR) treats payment and e-money institutions: financial institution status, EUR 1,000 transfers, low-risk e-money.
AMLR for Real Estate Agents and Intermediaries
What the EU AML regulation (AMLR) means for real estate agents: both parties are customers, high-rent lettings count and cash is capped.