Article 5 Specification on nationalities

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 5 of the RTS on customer due diligence say?

This brief but precise article builds directly on the customer due diligence identification requirements set out in Regulation (EU) 2024/1624.

It clarifies the scope of nationality information that obliged entities must collect, making clear that the obligation extends beyond the customer alone to cover anyone acting on their behalf or benefiting from a transaction.

Important points:

Obtain information on all nationalities held by the relevant individuals, not just one.
Where a person holds no nationality, collect information on their statelessness, refugee, or subsidiary protection status instead.
The obligation applies to the customer, any natural person acting on their behalf, and any natural person on whose behalf or for whose benefit a transaction or activity is being conducted.

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

For the purposes of Article 22 (1), point (a)(iii), of Regulation (EU) 2024/1624 obliged entities shall obtain information on all nationalities or, where applicable, the statelessness and refugee or subsidiary protection status of the customer, any natural person purporting to act on behalf of the customer, and the natural persons on whose behalf or for the benefit of whom a transaction or activity is being conducted.

Table of contents

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