AMLR guidance for Irish firms
Practical, plain-English articles on the EU’s new AML rulebook and what it means for designated persons in Ireland. General information, not legal advice.
The EU AMLR explained for Irish firms: what actually changes on 10 July 2027
From 10 July 2027 the EU AMLR replaces the CJA 2010 rulebook for Irish designated persons. What changes, who supervises you, and how to prepare.
Read article → 7 minCJA 2010 vs AMLR: a side-by-side for Irish designated persons
How the EU AMLR (Regulation 2024/1624) compares with the CJA 2010 for Irish designated persons — CDD thresholds, cash rules, roles and records, side by side.
Read article → 7 minAn AMLR readiness checklist for Irish accountancy practices
A practical AMLR readiness checklist for Irish accountancy practices: what changes on 10 July 2027 and how to update your AML programme in good time.
Read article → 6 minPSRA AML inspections: what estate agents need in their file
What Irish estate and letting agents should keep on file for PSRA AML supervision under the CJA 2010 today, and how the AMLR changes it from 10 July 2027.
Read article → 6 minThe new €10,000 EU cash limit — what it means for Irish businesses
From 10 July 2027 the AMLR caps cash payments at €10,000 across the EU. What the limit covers, how linked payments work, and how Irish firms should prepare.
Read article → 6 minBeneficial ownership under the AMLR: the 25% rule, the RBO, and discrepancy reporting
How the AMLR harmonises the 25% beneficial ownership test, what Irish firms must do with the RBO, and how discrepancy reporting works in practice.
Read article → 7 minHow to file an STR in Ireland: goAML and Revenue ROS dual reporting, step by step
A practical walkthrough of Ireland’s dual STR reporting: registering and filing with FIU Ireland via goAML and with Revenue via ROS, and what the AMLR changes.
Read article → 6 minThe Business-Wide Risk Assessment under the AMLR: a practical walkthrough
How Irish designated persons should rebuild their business-wide risk assessment for Regulation (EU) 2024/1624 before 10 July 2027 - a step-by-step guide.
Read article → 7 minEnhanced due diligence for high-net-worth clients: who the €5m and €50m tests catch
How the AMLR brings enhanced due diligence to high-net-worth clients — the €5m asset and €50m total wealth tests explained for Irish firms before July 2027.
Read article → 6 minAMLA explained: what an EU supervisor in Frankfurt means for a firm in Cork
AMLA, the EU anti-money laundering authority, will not inspect your Irish firm directly — but its standards will shape how your supervisor does.
Read article → 6 minLetting agents and the €10,000-a-month rent rule
What the AMLR’s €10,000-a-month rent threshold means for Irish letting agents, how it fits with PSRA supervision, and how to prepare before 10 July 2027.
Read article → 6 minTCSPs: the AMLCU’s new administrative sanctions powers arrive before the AMLR does
Irish TCSPs face an AMLCU administrative sanctions regime in force since 30 June 2026, a year before the AMLR applies. What it means and how your firm should prepare.
Read article → 6 minObliged entity vs designated person: the terminology shift, explained
Irish law calls your firm a designated person; the EU AMLR calls it an obliged entity. What the change means before 10 July 2027, and what to do now.
Read article → 6 minAMLR vs AMLD6 vs AMLAR: the three EU instruments, untangled
AMLR, AMLD6 and AMLAR explained in plain English for Irish designated persons — what each instrument does, key dates, and what changes on 10 July 2027.
Read article → 6 minThe AMLR’s compliance manager and compliance officer roles: who to appoint in a small firm
The AMLR prescribes a board-level compliance manager and a compliance officer from 10 July 2027. What each role involves and who to appoint in a small firm.
Read article → 6 minRBO extracts step by step: BEN3A1 access, fees, and what to do about discrepancies
How Irish designated persons get RBO access via form BEN3A1, order beneficial ownership extracts, and handle discrepancy reporting before the AMLR applies.
Read article → 7 minCDD thresholds under the AMLR: €15,000 down to €10,000, and the €3,000 cash trigger
From 10 July 2027 the AMLR cuts the occasional-transaction CDD threshold to €10,000 and adds a €3,000 cash trigger. What Irish firms should change now.
Read article → 6 minCDD on conveyancing under the AMLR: a guide for Irish solicitors
How Regulation (EU) 2024/1624 changes client due diligence on Irish conveyancing from 10 July 2027 — thresholds, beneficial ownership, RBO checks and more.
Read article → 6 minClient-account risk and AML: what Irish solicitors should watch
Why the client account is the AML pressure point for Irish solicitors, and what changes when Regulation (EU) 2024/1624 applies from 10 July 2027.
Read article → 6 minSource of funds vs source of wealth: getting the difference right
Source of funds and source of wealth are not the same question. A plain-English guide for Irish designated persons preparing for the AMLR in July 2027.
Read article → 6 minThe 5-year retain-then-delete rule: where AML records meet GDPR
The AMLR sets a five-year retain-then-delete rule for AML records. How Irish designated persons can square retention duties with GDPR before July 2027.
Read article → 6 mineIDAS and the EUDI wallet: where electronic identification fits in Irish CDD
What the AMLR’s recognition of eIDAS electronic identification and the EUDI wallet means for customer due diligence in Irish firms before 10 July 2027.
Read article → 7 minScreening for sanctions and PEPs: what the EU consolidated list covers
What the EU consolidated sanctions list covers, how PEP screening differs, and what the AMLR expects of Irish designated persons from 10 July 2027.
Read article → 6 minFIU Ireland’s 5-working-day clock: responding to information requests
From 10 July 2027 the AMLR requires firms to answer FIU information requests within 5 working days. How Irish designated persons can get response-ready.
Read article → 6 minIreland’s three beneficial-ownership registers: RBO, CRBOT and the Central Bank register
Ireland has three beneficial-ownership registers, not one. Which register covers which client, what your firm must check, and what the AMLR changes in 2027.
Read article → 7 minCash rules at the counter: what high-value goods dealers face from 10 July 2027
The EU AMLR brings a EUR 10,000 cash cap and a EUR 3,000 cash CDD trigger for Irish high-value goods dealers from 10 July 2027. What changes at the counter.
Read article → 6 minJewellers and precious metals dealers: your place in the AMLR
How the EU AMLR changes AML duties for Irish jewellers and precious metals dealers from 10 July 2027: cash caps, CDD thresholds and AMLCU supervision.
Read article → 6 minYour AMLR gap analysis, step by step: a guide for small accountancy practices
A practical, step-by-step AMLR gap analysis for small Irish accountancy practices: what to compare against your CJA 2010 file before 10 July 2027.
Read article → 7 minUnaffiliated accountants and tax advisers: the AMLCU is your supervisor
Not a member of CAI, ACCA or CPA Ireland? The AMLCU supervises your AML compliance — here is what that means now and under the AMLR from 10 July 2027.
Read article → 6 minCDD on vendors AND purchasers: what the rules ask of estate agents
How Irish estate agents should run customer due diligence on both sides of a sale, what changes under the AMLR from 10 July 2027, and where the PSRA fits in.
Read article → 7 minTCSP compliance under the AMLR: nominee arrangements and the transparency agenda
What the AMLR beneficial ownership and transparency rules mean for Irish TCSPs offering nominee arrangements, and how to prepare before 10 July 2027.
Read article → 6 minCASPs and the AMLR: CDD from €1,000 and alignment with MiCA
What the AMLR means for crypto-asset service providers in Ireland: customer due diligence from €1,000, MiCA-aligned scope, and how to prepare for 10 July 2027.
Read article → 6 minCrowdfunding platforms join the obliged-entity list
From 10 July 2027 the EU AMLR brings crowdfunding providers into scope as obliged entities. What Irish platforms need to put in place, and when.
Read article → 6 minFootball clubs and agents: in scope from 10 July 2029
Football clubs and agents come into scope of the EU AMLR on 10 July 2029. What Regulation (EU) 2024/1624 will require, and how Irish clubs can prepare early.
Read article → 6 minBuilding your firm’s AML training log (and why supervisors ask for it)
How Irish firms should build an AML training log that stands up to supervisor inspection, and what to retrain on before the AMLR applies in July 2027.
Read article → 6 minWhat AMLA’s technical standards mean for small Irish firms
AMLA is publishing the technical standards that will flesh out the AMLR before 10 July 2027. What Irish designated persons should watch, and when.
Read article → 6 minPSRA licence renewals and AML: keeping your file inspection-ready
How PSRA-licensed estate and letting agents keep an inspection-ready AML file — risk assessment, CDD records, training logs and STR evidence in one place.
Read article → 6 minAuctioneers under the AMLR: what changes at the rostrum
What the EU AMLR means for Irish auctioneers from 10 July 2027 — bidder CDD, the €10,000 cash cap, €3,000 cash triggers and PSRA supervision explained.
Read article → 6 minProperty management companies and AML: where your duties sit
Where AML duties sit for Irish property management firms — PSRA supervision, CDD on corporate clients, RBO extracts, and what the AMLR changes in 2027.
Read article → 6 minProbate work and AML risk: a solicitor's guide
How Irish solicitors manage AML risk in probate — who the client is, source of funds in estates, beneficiary checks, and what the AMLR changes in 2027.
Read article → 6 minCompany formation with AML checkpoints built in: a TCSP walkthrough
A step-by-step AML walkthrough for Irish TCSPs forming companies — client CDD, beneficial ownership, RBO checks, and the AMLCU sanctions now in force.
Read article → 6 minRegistered-office and nominee services under the AMLR
What the AMLR means for Irish providers of registered-office and nominee services — AMLCU supervision, transparency duties, monitoring and 2027 changes.
Read article → 6 minBookkeepers and payroll providers: are you in AML scope?
Are Irish bookkeepers and payroll providers in AML scope? How the rules attach to services, not titles, who supervises you, and what the AMLR changes.
Read article → 6 minTax advisers under the AMLR: what changes for your practice
What the EU AMLR changes for Irish tax advisers from 10 July 2027 — CDD thresholds, the high-net-worth EDD test, compliance roles and record rules.
Read article → 6 minThe EU high-risk third-country list: how it drives your risk scoring
How the EU high-risk third-country list should feed your AML risk scoring — where geography belongs in client ratings, EDD triggers and the AMLR context.
Read article → 6 minPEPs in Ireland: who counts, and what you must do differently
Who counts as a politically exposed person for Irish AML purposes, how family and close associates are caught, and the enhanced measures PEPs require.
Read article → 6 minOngoing monitoring vs periodic review: the difference that matters
Ongoing monitoring and periodic reviews are different AML duties. What each one involves, how trigger events fit, and how small Irish firms run both well.
Read article → 6 minRisk-rating clients: a practical model for small firms
A practical client risk-rating model for small Irish firms — four factors, three tiers, clear overrides, and documentation that stands up to inspection.
Read article → 6 minIreland's 2026 National Risk Assessment: what small firms should take from it
Ireland launched a National Risk Assessment and 30-point AML action plan on 18 June 2026. What both mean for small firms and their risk assessments.
Read article → 6 minSimplified due diligence under the AMLR: when lighter checks are allowed
When Irish firms can apply simplified due diligence under Regulation (EU) 2024/1624, what lighter checks actually mean, and how to justify them on file.
Read article → 6 minRelying on third parties for CDD: what you can and cannot delegate
What Irish designated persons can and cannot delegate when relying on third parties for customer due diligence under the AMLR - and who carries the risk.
Read article → 6 minAML record-keeping: what an inspector actually wants to see
What Irish AML supervisors look for in your records: CDD files, risk assessments, training logs, STR records and the AMLR five-year retention rule.
Read article → 6 minAML training for Irish firms: who needs it, how often, and how to prove it
Who needs AML training in an Irish firm, how often to run it, and how to build a training log that satisfies your supervisor before the AMLR applies.
Read article → 6 minTargeted financial sanctions: the compliance officer's new duty from July 2027
From 10 July 2027 the AMLR makes your compliance officer responsible for targeted financial sanctions. What the duty involves and how to prepare now.
Read article → 6 minAccepting crypto payments at an Irish firm: the AML angle
Thinking of accepting crypto payments at your Irish firm? The AML risks, the AMLR rules for crypto-asset services, and the checks to build in first.
Read article → 6 minWhat drives the cost of AML compliance for a small Irish firm
The real cost drivers of AML compliance for a small Irish firm: client volume, risk mix, verification tooling, training time and rising supervision.
Read article → 6 minConveyancing red flags: practical indicators for property transactions
Practical money laundering red flags in Irish conveyancing: funding, parties, structures and behaviour that should make a solicitor pause and dig deeper.
Read article → 6 minThe client onboarding checklist for Irish designated persons
A step-by-step client onboarding checklist for Irish designated persons: identify, verify, screen, check the RBO, risk-rate and record - AMLR-ready.
Read article → 6 minLetting agents: getting AMLR-ready before July 2027
How Irish letting agents should prepare for the AMLR before 10 July 2027: the 10,000 euro monthly rent rule, PSRA supervision and the files to build now.
Read article → 6 minBeneficial-ownership discrepancy reporting: your duty and how to do it
Irish designated persons must report discrepancies between the RBO and their own CDD findings. What the duty covers, how to comply and what to keep on file.
Read article → 6 minThe AMLR for sole practitioners: meeting prescribed roles in a firm of one
How a sole practitioner meets the AMLR compliance manager and compliance officer requirements in a firm of one, and what to document before July 2027.
Read article → 6 min