Regulations
The regulations, explained
Every regime Sceau operationalises, mapped requirement by requirement to the actual articles — in plain language. No legalese, no hand-waving: what the text obliges you to do, and where the platform does it.
AMLR
Regulation (EU) 2024/1624
The AMLR replaces the patchwork of national AML laws with one directly applicable European rulebook. For non-financial professions this is the biggest compliance change i…
Read the requirement map →AMLD6
Directive (EU) 2024/1640
The AMLR's companion directive rebuilds the institutional plumbing: beneficial-ownership registers, supervisors, FIUs. For your office the practical edges are register ac…
Read the requirement map →Travel Rule
Regulation (EU) 2023/1113
Money — and now crypto — must travel with its paperwork. The recast Transfer of Funds Regulation extends the classic wire-transfer information duties to crypto-asset tran…
Read the requirement map →Sanctions / TFS
Council regulations under art. 215 TFEU (e.g. Reg. (EU) 269/2014); AMLR art. 20 verification duty
Sanctions are the sharpest edge of the compliance landscape: obligations of result, effective immediately, with personal liability. The duty is not just to screen — it is…
Read the requirement map →DAC6
Directive (EU) 2018/822, inserting art. 8ab and Annex IV into Directive 2011/16/EU
DAC6 makes advisers the reporting sensors of aggressive cross-border tax planning. If an arrangement crosses a border and shows one of the Annex IV hallmarks, someone mus…
Read the requirement map →DAC8
Directive (EU) 2023/2226, inserting art. 8ad and Annex VI into Directive 2011/16/EU
DAC8 brings the OECD's crypto-asset reporting framework into EU law: crypto platforms will report their users' transactions to tax authorities, which exchange them automa…
Read the requirement map →CRS / FATCA
Directive 2014/107/EU (DAC2), implementing the OECD CRS; FATCA IGAs
The common reporting standard made foreign accounts visible to home tax authorities years ago — and made helping clients circumvent it a hallmark under DAC6. For advisers…
Read the requirement map →GDPR
Regulation (EU) 2016/679; AMLR arts. 76–79 (processing for AML purposes)
AML work is personal-data processing at industrial intensity: identity documents, beneficial owners, screening results, suspicion reports. The GDPR does not yield to the …
Read the requirement map →Whistleblowing
Directive (EU) 2019/1937
Breach reporting is part of the AML control fabric: the people most likely to see wrongdoing first are your own staff, and the directive obliges you to give them a safe, …
Read the requirement map →This page is a plain-language orientation, not legal advice. Article numbering follows the instrument as published in the Official Journal; where implementing technical standards are still in draft, we say so. The legal text always prevails.
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