Source: AMLA final report draft
- Anti-money laundering
AMLR supplemental acts
- RTS on customer due diligence
Article 5 Specification on nationalities
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 5 of the RTS on customer due diligence say?
This brief article addresses how obliged entities must handle nationality information when conducting customer due diligence on natural persons.
It builds directly on the identification requirements set out in Article 22 of Regulation (EU) 2024/1624, specifically filling in the practical steps required where a customer may hold multiple nationalities.
Rather than requiring full verification of every nationality held, the article draws a pragmatic line between the effort to discover multiple nationalities and the verification burden that follows.
Important points:
- Take reasonable measures to establish whether a natural person holds more than one nationality.
- Record all declared nationalities where a natural person declares more than one.
- Verify at least one nationality where multiple nationalities are declared.
Springlex's summary of the article is a reading aid, not a substitute for the legal text.
For the purposes of Article 22(1), point (a)(iii), and Article 22(2) of Regulation (EU) 2024/1624, obliged entities shall take reasonable measures to establish whether a natural person referred to in those Articles holds more than one nationality.
Where a natural person declares more than one nationality, obliged entities shall record this information and verify at least one nationality.
Springlex and this text is meant purely as a documentation tool and has no legal effect. No liability is assumed for its content. The authentic version of this act is the one published in the Official Journal of the European Union.