126. Competent authorities should assess whether guidance may be needed for the sector as a whole …

Competent authorities should assess whether guidance may be needed for the sector as a whole or specifically for a particular subsector or cover a specific topic. Competent authorities should ensure that guidance provided by them is clear and unambiguous as well as:

•  A1
• a) facilitates and supports the implementation, by subjects of assessment, of an effective risk-based approach, including through the publication of best practices identified in the sector;
• b) does not directly or indirectly foster or condone unwarranted de-risking of entire categories of customers in accordance with the Guidelines on policies and controls for the effective management of money laundering and terrorist financing (ML/TF) risks whe n providing access to financial services under Directive (EU) 2015/849 and the EBA’s ML/TF Risk Factor Guidelines and in particular guidelines 4.9., 4.10. and 4.11²⁵ ;
• c) where multiple competent authorities are responsible for the AML/CFT supervision of subjects of assessment in the same sector in the Member State, these competent authorities should coordinate their actions and consider issuing joint guidance to set consistent expectations. Competent authorities should consider whether other authorities may be responsible for issuing guidance on related matters and, if so, coordinate with those authorities as appropriate.

²⁵ EBA Guidelines on customer due diligence and the factors credit and financial institutions should consider when assessing the money laundering and terrorist financing risk associated with individual business relationships and occasional transactions (‘The ML/TF Risk Factors Guidelines’) under Articles 17 and 18(4) of Directive (EU) 2015/849, EBA/GL/2021/02.

1. Prezentare generală

1.1 Referințe

1.2 Cerințe identificate

1.3 Standarde asociate

2. Cerințe identificate

3. Standarde asociate

• EBA -

  EN: Guidelines and other publications of the European Banking Authority (EBA), https://www.eba.europa.eu/. © European Banking Authority. Reproduction is authorised provided the source is acknowledged (EBA legal notice). Divided into sections and converted into the GRCA format, the wording unchanged. Only the versions published by the EBA are authoritative.

  DE: Leitlinien und weitere Veröffentlichungen der Europäischen Bankenaufsichtsbehörde (EBA), https://www.eba.europa.eu/. © European Banking Authority. Wiedergabe mit Quellenangabe gestattet (Rechtlicher Hinweis der EBA). In Abschnitte aufgeteilt und in das GRCA-Format umgewandelt, der Wortlaut unverändert. Maßgeblich sind allein die von der EBA veröffentlichten Fassungen.