SECTION 3 Enhanced customer due diligence

Article 19

▼M1

Maidir le gaolmhaireacht fhreagróra thrasteorann lena mbaineann forghníomhú íocaíochtaí le hinstitiúid freagróra tríú tír, déanfaidh na Ballstáit, i dteannta na mbeart díchill chuí do chustaiméirí a leagtar síos in Airteagal 13, a cheangal ar a n-institiúidí creidmheasa agus a n-institiúidí airgeadais agus iad ag dul i mbun gaolmhaireacht ghnó:

▼B

Article 20

With respect to transactions or business relationships with politically exposed persons, Member States shall, in addition to the customer due diligence measures laid down in Article 13, require obliged entities to:

Article 21

Member States shall require obliged entities to take reasonable measures to determine whether the beneficiaries of a life or other investment-related insurance policy and/or, where required, the beneficial owner of the beneficiary are politically exposed persons. Those measures shall be taken no later than at the time of the payout or at the time of the assignment, in whole or in part, of the policy. Where there are higher risks identified, in addition to applying the customer due diligence measures laid down in Article 13, Member States shall require obliged entities to:

Article 22

Where a politically exposed person is no longer entrusted with a prominent public function by a Member State or a third country, or with a prominent public function by an international organisation, obliged entities shall, for at least 12 months, be required to take into account the continuing risk posed by that person and to apply appropriate and risk-sensitive measures until such time as that person is deemed to pose no further risk specific to politically exposed persons.

Article 23

The measures referred to in Articles 20 and 21 shall also apply to family members or persons known to be close associates of politically exposed persons.

Article 24

Member States shall prohibit credit institutions and financial institutions from entering into, or continuing, a correspondent relationship with a shell bank. They shall require that those institutions take appropriate measures to ensure that they do not engage in or continue correspondent relationships with a credit institution or financial institution that is known to allow its accounts to be used by a shell bank.

Airteagal 24a

Faoin 1 Eanáir 2024, déanfaidh ÚBE treoirlínte a eisiúint ina sonrófar conas a bheidh feidhm ag bearta díchill chuí feabhsaithe do custaiméirí sa Roinn seo nuair a dhéanann eintitis faoi oibleagáid seirbhísí cripteashócmhainní mar a shainítear in Airteagal 3(1), pointe (16), de Rialachán (AE) 2023/1114, cé is moite de phointe (h) den phointe sin, chomh maith le haistrithe cripteashócmhainne mar a shainmhínítear in Airteagal 3, pointe 10, de Rialachán (AE) 2023/1113. Go háirithe, sonróidh ÚBE conas agus cathain a gheobhaidh na heintitis faoi oibleagáid sin faisnéis bhreise faoin tionscnóir agus faoin tairbhí.