Europejski Urząd Nadzoru Bankowego, Wytyczne w sprawie polityk i kontroli skutecznego zarządzania ryzykiem prania pieniędzy i finansowania terroryzmu (ML/TF) przy zapewnianiu dostępu do usług finansowych

Guidelines on policies and controls for the effective management of money laundering and terrorist financing (ML/TF) risks when providing access to financial services

1. Executive summary

De-risking refers to decisions made by credit and financial institutions to refuse to enter into, or to terminate, business relationships with individual customers or categories of customers associated with higher money laundering and terrorist financing (ML/TF) risk.

In January 2022, the EBA published an Opinion on the scale and impact of de-risking in the EU. This Opinion identified the main drivers of de-risking and the negative impact unwarranted de-risking can have on customers and access to financial services and the fight against financial crime. It also highlighted the steps competent authorities and co-legislators should take to address unwarranted derisking and mitigate its negative impact.

The European Commission welcomed the EBA’s Opinion and asked the EBA to issue guidelines on the steps...