1. Directive 2015/849/EU - Fourth Money Laundering Directive (MLD4)

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Version status: Entered into force | Document consolidation status: Updated to reflect all known changes

Published date: 5 June 2015

Directive 2015/849/EU - Fourth Money Laundering Directive (MLD4)

Consolidation Status: Currently being consolidated by Regulation (EU) 2023/1113 of the European Parliament and of the Council of 31 May 2023 on information accompanying transfers of funds and certain crypto-assets and amending Directive (EU) 2015/849 (Text with EEA relevance)

Proposed changes

• Directive 2015/849/EU (MLD4) with proposed changes from COM(2021) 423 final / 2021/0250 (COD)

Comparing proposed amendment...

	Recitals
	Chapter I General Provisions (arts. 1-9)
	Section 1 Subject-matter, scope and definitions (arts. 1-5)
Entered into force	Article 1
Amended	Article 2
Amended	Article 3
Entered into force	Article 4
Entered into force	Article 5
	Section 2 Risk assessment (arts. 6-8)
Amended	Article 6
Amended	Article 7
Entered into force	Article 8
	Section 3 Third-country policy (art. 9)
Amended	Article 9
	Chapter II Customer Due Diligence (arts. 10-29)
	Section 1 General provisions (arts. 10-14)
Amended	Article 10
Entered into force	Article 11
Applicable	Article 12
Amended	Article 13
Amended	Article 14
	Section 2 Simplified customer due diligence (arts. 15-17)
Entered into force	Article 15
Entered into force	Article 16
Amended	Article 17
	Section 3 Enhanced customer due diligence (arts. 18-24)
Amended	Article 18
In force	Article 18a
Amended	Article 19
Entered into force	Article 20
In force	Article 20a
Entered into force	Article 21
Entered into force	Article 22
Entered into force	Article 23
Entered into force	Article 24
	Section 4 Performance by third parties (arts. 25-29)
Entered into force	Article 25
Entered into force	Article 26
Amended	Article 27
Entered into force	Article 28
Entered into force	Article 29
	Chapter III Beneficial Ownership Information (arts. 30-31)
Amended	Article 30
Amended	Article 31
Inserted	Article 31a Implementing acts
	Chapter IV Reporting Obligations (arts. 32-39)
	Section 1 General provisions (arts. 32-38)
Amended	Article 32
Inserted	Article 32a
Inserted	Article 32b
Amended	Article 33
Amended	Article 34
Entered into force	Article 35
Entered into force	Article 36
Entered into force	Article 37
Amended	Article 38
	Section 2 Prohibition of disclosure (art. 39)
Amended	Article 39
	Chapter V Data Protection, Record-retention and Statistical Data (arts. 40-44)
Amended	Article 40
Amended	Article 41
Entered into force	Article 42
Amended	Article 43
Amended	Article 44
	Chapter VI Policies, Procedures and Supervision (arts. 45-62)
	Section 1 Internal procedures, training and feedback (arts. 45-46)
Amended	Article 45
Entered into force	Article 46
	Section 2 Supervision (arts. 47-48)
Amended	Article 47
Amended	Article 48
	Section 3 Cooperation (arts. 49-57b)
	Subsection I National cooperation (art. 49)
Amended	Article 49
	Subsection II Cooperation with EBA (art. 50)
Amended	Article 50
	Subsection IIa Cooperation between competent authorities of the Member States (art. 50a)
Inserted	Article 50a
	Subsection III Cooperation between FIUs and with the Commission (art. 51-57)
Entered into force	Article 51
Entered into force	Article 52
Amended	Article 53
Amended	Article 54
Amended	Article 55
Entered into force	Article 56
Amended	Article 57
	Subsection IIIa Cooperation between competent authorities supervising credit and financial institutions and other authorities bound by professional secrecy (arts. 57a-57b)
Inserted	Article 57a
Inserted	Article 57b
	Section 4 Sanctions (arts. 58-62)
Amended	Article 58
Entered into force	Article 59
Entered into force	Article 60
Amended	Article 61
Amended	Article 62
	Chapter VII Final Provisions (arts. 63-69)
Entered into force	Article 63
Entered into force	Article 64
Amended	Article 65
Inserted	Article 64a
Entered into force	Article 66
Amended	Article 67
Entered into force	Article 68
Entered into force	Article 69
Entered into force	Annex I
Amended	Annex II
Amended	Annex III
Entered into force	Annex IV
	Done at

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