10.2 (updated 30 December 2024) | Final Report - Guidelines EBA/2021/02 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 Directive (EU) 2015/849 (EBA/GL/2021/02) (updated 30 December 2024)

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Final Report - Guidelines EBA/2021/02 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 Directive (EU) 2015/849 (EBA/GL/2021/02) (updated 30 December 2024)
Guidelines
Title II: Sector-specific Guidelines
Guideline 10: Sectoral guideline for electronic money issuers (10.1-10.18)
10.2 (updated 30 December 2024)

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Version date: 30 December 2024 - onwards

Version 2 of 2

10.2
(updated 30 December 2024)

Firms that issue e-money should consider the following risk factors and measures along-side those set out in Title I of these guidelines. Firms whose authorisation includes the provision of business activities as payment initiation services and account information services should also refer to the sectoral guideline 18. The sectoral Guideline 11 for money remitters may also be relevant in this context. Firms that provide crypto-asset services should also refer to the sectoral Guideline 21.

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