Article 22 Additional information on the intended nature of the business relationship

This is a draft act

This text has been parsed from the AMLA final report draft as published on 30 September 2026. While we run a suite of validations, the automated parsing can result in errors. Also, before it is finally adopted by the Commission, its wording, numbering and references may change, and entire articles might be removed or added.

Earlier drafts: AMLA consultation paper draft (9 February 2026)

Summary What does Article 22 of the RTS on customer due diligence say?

This article supports the enhanced due diligence framework established under Article 34(4), point (b), of Regulation (EU) 2024/1624 by specifying what additional information obliged entities may gather to better understand the intended nature of a business relationship.

Rather than prescribing a rigid checklist, it outlines a range of information types — from fund destination consistency to transaction patterns and the customer's wider commercial network — that collectively build a more complete picture of the relationship's legitimacy.

Important points:

Collect additional information to confirm that the destination of funds aligns with the stated nature of the business relationship and the customer's risk profile.
Gather details on the expected number, size, type, volume and frequency of transactions to enable enhanced scrutiny of business relationship activity.
Obtain information on the customer's key customers, business partners or associates, extending this where relevant to the beneficial owner's associates.

Springlex's summary of the article is a reading aid, not a substitute for the legal text.

For the purposes of Article 34(4), point (b), of Regulation (EU) 2024/1624, additional information on the intended nature of the business relationship may include:
1. information to be satisfied that the destination of funds is consistent with the stated nature of the business relationship or occasional transaction and the customer’s risk profile;
2. information on the expected number, size, type, volume and frequency of transactions expected to be performed, to enable enhanced scrutiny of the activities taking place within the business relationship;
3. information on the customer’s key customers, business partners or associates, including, where relevant, the beneficial owner’s business partners or associates.

Table of contents

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Article 22 Additional information on the intended nature of the business relationship

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