On 3 June 2026, the EU Anti-Money Laundering Authority (AMLA) issued a consultation on draft guidelines on ongoing monitoring of business relationships.
The draft guidelines are developed under Article 26(5) of the Anti-Money Laundering Regulation and are intended to support obliged entities in implementing their ongoing and transaction monitoring duties. They set out core principles applicable across both financial and non-financial sectors.
The draft guidelines are comprised of three parts:
- General principles: applicable to both Guideline 1 and Guideline 2
- Guideline 1: keeping customer information up to date: The guidelines outlines expectations for keeping customer documents, data and information up to date, through both so called periodic and event‑driven reviews, applied in line with a risk‑based approach. It sets out the sources of information that may be used by obliged entities to update the customer due diligence information and shares non exhaustive lists of information that obliged entities should consider and assess during periodic customer information reviews and event-trigger reviews.
- Guideline 2: transaction and activity monitoring framework: The guidelines clarifies how obliged entities should design, implement and test monitoring frameworks to detect unusual or suspicious transactions and activities. It sets out proportionate approaches, including the use of manual, automated or semi-automated processes and controls and, where appropriate, advanced analytical tools. It also establishes expectations for the effective assessment and escalation of monitoring outputs and reinforces the importance of integration of monitoring with customer due diligence to support a holistic and up-to-date understanding of customer behaviour.
Next steps
A public hearing is scheduled for 2 July 2026, 10:00 – 12:00 CEST.
The deadline for comments on the consultation is 3 September 2026.
AMLA will consider the feedback to this consultation when preparing the final guidelines, that will be issued in Q4 2026.