The EU AML Regulation: what changes in 2027
The single rulebook, the 25% threshold, AMLA supervision, and what the 2027 AMLR means for cross-border family offices.
- The EU AMLR applies from 10 July 2027 with a single 25% threshold across all members.
- AMLA, operational since 2025, supervises the highest-risk cross-border firms.
- Register access is now restricted to legitimate interest, complicating verification.
A single rulebook
The EU Anti-Money Laundering Regulation replaces the older directive patchwork with directly applicable rules. From 10 July 2027 a single 25% beneficial-ownership threshold applies across all member states, ending the country-by-country divergence.
AMLA
The Anti-Money Laundering Authority has been operational since July 2025. It oversees the highest-risk cross-border firms directly and harmonises supervision across the union — a structural shift from national-only oversight.
Restricted register access
Following court rulings, public access to beneficial-ownership registers is now typically granted only on a legitimate-interest basis. This has disrupted verification workflows and pushed firms toward multi-source approaches and RegTech.
FAQ
- EU Regulation 2024/1624 — The AML Regulation.
- EU AMLA — Operational since July 2025.
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