Article 25 Additional information on the customer and the beneficial owners

This is a draft act

This text has been parsed from the AMLA consultation paper draft as published on 9 February 2026. While we run a suite of validations, the automated parsing can result in errors. Also, before it is finally adopted by the Commission, its wording, numbering and references may change, and entire articles might be removed or added.

Summary What does Article 25 of the RTS on customer due diligence say?

This article sits within the enhanced due diligence framework, directly supporting Article 34(4), point (a), of Regulation (EU) 2024/1624.

It sets out the additional information that obliged entities must gather when enhanced due diligence applies, specifically aimed at deepening their understanding of the customer and any beneficial owners.

Rather than prescribing a single fixed dataset, the article gives obliged entities a degree of flexibility, requiring them to obtain information sufficient to achieve one of three outcomes: confirming the accuracy of existing customer data, assessing reputational factors, or conducting a thorough ML/TF risk assessment of the customer and their known relationships.

Important points:

Obtain additional information on customers and beneficial owners beyond standard due diligence requirements when enhanced due diligence applies.
The additional information gathered must serve at least one of three purposes: verifying authenticity and accuracy of held information, assessing reputation, or identifying and assessing ML/TF risks comprehensively.
The scope of risk assessment extends beyond the customer and beneficial owners to include close relationships known to the obliged entity or publicly known.

Springlex's summary of the article, a reading aid, not a substitute for the legal text.

For the purposes of Article 34(4), point (a), of Regulation (EU) 2024/1624, obliged entities shall obtain one or more of the following additional information that will allow them to:
1. be satisfied that the information they hold on the customer and the beneficial owners or the ownership and control structure of the customer other than a natural person is authentic and accurate; or
2. assess the reputation of the customer and the beneficial owners; or
3. identify and assess in a comprehensive way ML/TF risks associated with the customer, the beneficial owners or any close relationships known to the obliged entity or that are publicly known.

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