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The EU AML Single Rulebook applies to 18 obliged-entity categoriesunder AMLR Art. 3 — financial and non-financial. Pick your sector to see when obligations start and which rules matter most. We provide extra orientation for non-financial sectors that are often new to AML.
Not sure where you fit?
Use the guided scope wizard — a few questions to match your business to an AMLR Art. 3 sector.
If you audit, account for, or advise on tax matters as your principal professional activity, you are an obliged entity. The AMLR sets EU-wide standards for identifying clients, assessing risk, and reporting suspicions.
Notaries and lawyers become subject to AML rules when they help clients with real estate deals, company formation, trust structures, or managing assets — not for all legal advice.
TCSPs forming companies, acting as directors, providing registered offices, or managing trusts face direct AML obligations under the EU Single Rulebook from July 2027.
Estate agents and other real estate intermediaries must identify clients, assess risk, and report suspicions under the same EU rules as banks — a major change for a sector with limited AML experience.
Dealers in gold, diamonds, and other precious metals or stones are high-risk obliged entities. The AMLR replaces patchy national rules with one EU standard for customer checks and reporting.
Professionals trading luxury cars, yachts, aircraft, and other high-value goods must apply AML controls. Criminals target portable, high-value items — the EU rulebook now treats you as a gatekeeper.
Art galleries, auction houses, and intermediaries trading cultural goods must apply AML measures when transactions reach EUR 10,000 — including linked transactions that add up to that threshold.
Businesses storing or trading cultural goods and high-value items in free zones and customs warehouses face AML obligations when transactions hit EUR 10,000 — a niche but high-risk area.
Casinos, online gambling operators, and sports betting providers must identify customers and report suspicions. The AMLR harmonises when and how CDD applies across the EU gambling sector.
Mortgage and consumer credit brokers — other than those operating fully under a creditor's responsibility — are obliged entities under the AMLR and must apply customer due diligence from July 2027.
Operators helping third-country nationals obtain residence rights through investment — property purchases, government bonds, donations — must apply robust AML controls under the EU Single Rulebook.
Non-financial holding companies with at least one obliged-entity subsidiary must themselves comply with AML rules — ensuring group-level policies flow through complex corporate structures.
Football agents representing players or clubs in contract and transfer negotiations are newly designated obliged entities. You will need AML policies, client due diligence, and reporting channels — with extra time to prepare.
Professional football clubs must apply AML measures on investor, sponsor, agent, and player-transfer transactions. This is entirely new territory for most clubs — the EU gives you until July 2029 to build compliance capacity.
In a financial sector? · EBA legacy guidelines