Methodological and interpretative documents

Official information

• Official information of the Czech national bank of 26 May 2009 (pdf, 28 kB) on certain requirements for the system of internal principles, procedures and control measures against the legitimisation of the proceeds of crime and financing of terrorism

Guidelines of the European Supervisory Authorities

• EBA Guidelines amending Guidelines EBA/2021/02 on customer due diligence and the factors credit and financial institutions should consider when assessing the money laundering and terrorist financing risk associated with individual business relationships and occasional transactions (‘The ML/TF Risk Factors Guidelines’) under Articles 17 and 18(4) of Directive (EU) 2015/849 (EBA/GL/2024/01, external link)
• EBA Guidelines amending Guidelines EBA/GL/2021/16 on the characteristics of a risk-based approach to anti‐money laundering and terrorist financing supervision, and the steps to be taken when conducting supervision on a risk‐sensitive basis under Article 48(10) of Directive (EU) 2015/849 (The Risk‐Based Supervision Guidelines) (EBA/GL/2023/07, external link)
• EBA Guidelines on policies and controls for the effective management of money laundering and terrorist financing (ML/TF) risks when providing access to financial services (EBA/GL/2023/04, external link)
• EBA Guidelines amending Guidelines EBA/2021/02 on customer due diligence and the factors credit and financial institutions should consider when assessing the money laundering and terrorist financing risk associated with individual business relationships and occasional transactions (‘The ML/TF Risk Factors Guidelines’) under Articles 17 and 18(4) of Directive (EU) 2015/849 (EBA/GL/2023/03, external link)
• EBA Guidelines on the use of Remote Customer Onboarding Solutions under Article 13(1) of Directive (EU) 2015/849 (EBA/GL/2022/15, external link)
• EBA Guidelines on the equivalence of confidentiality and professional secrecy regimes of third-country authorities (EBA/GL/2022/04, external link)
• EBA Guidelines on policies and procedures in relation to compliance management and the role and responsibilities of the AML/CFT Compliance Officer under Article 8 and Chapter VI of Directive (EU) 2015/849 (EBA/GL/2022/05) (external link)
• EBA Guidelines on the characteristics of a risk‐based approach to anti‐money laundering and terrorist financing supervision, and the steps to be taken when conducting supervision on a risk‐sensitive basis under Article 48(10) of Directive (EU) 2015/849 (amending the Joint Guidelines ESAs 2016 72) (EBA/GL/2021/16, external link)
• EBA Guidelines on cooperation and information exchange between prudential supervisors, AML/CFT supervisors and financial intelligence units under Directive 2013/36/EU (EBA/GL/2021/15, external link)
• EBA Guidelines on customer due diligence and the factors credit and financial institutions should consider when assessing the money laundering and terrorist financing risk associated with individual business relationships and occasional transactions (The ML/TF Risk Factors Guidelines) under Articles 17 and 18(4) of Directive (EU) 2015/849 (EBA/GL/2021/02, external link)
• Joint Guidelines under Article 25 of Regulation (EU) 2015/847 on the measures payment service providers should take to detect missing or incomplete information on the payer or the payee, and the procedures they should put in place to manage a transfer of funds lacking the required information (JC/GL/2017/16, external link)

 Questions and answers

• List of the CNB Opinions regarding special regulatory questions (available in Czech only) is published in a separate web application 
• CNB answers to frequently asked questions (FAQ, available in Czech only)
• Questions and answers of the Commission and the EBA regarding financial market regulation (Single Rulebook Q&A) (external link) – to Regulation (EU) No 575/2013 (CRR) of the European Parliament and of the Council on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012, to Regulation (EU) 2017/2402 (SecReg) laying down a general framework for securitisation and creating a specific framework for simple, transparent and standardised securitisation, to Regulation (EU) No 648/2012 (EMIR) of the European Parliament and of the Council of 4 July 2012 on OTC derivatives, central counterparties and trade repositories, to Regulation (EU) No 909/2014 (CSDR) of the European Parliament and of the Council of 23 July 2014 on improving securities settlement in the European Union and on central securities depositories, to  Regulation (EU) 2015/847 (WTR) on information accompanying transfers of funds and to Regulation (EU) 2015/751 (IFR) of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions,  to Directive 2013/36/EU (CRD) of the European Parliament and of the Council on access to the activity of credit institutions and the prudential supervision of credit institutions and investment firms, to Directive 2014/59/EU (BRRD) of the European Parliament and of the Council establishing a framework for the recovery and resolution of credit institutions and investment firms, to Directive 2014/49/EU (DGSD) of the European Parliament and of the Council on deposit guarantee schemes, to Directive (EU) 2015/2366 (PSD2) of the European Parliament and of the Council on payments services in the internal market, to Directive 2014/17/EU (MCD) of the European Parliament and of the Council on credit agreements for consumers relating to residential immovable property, to Directive  2008/48/EC (CCD) of the European Parliament and of the Council on credit agreements for consumers, to Directive (EU) 2015/849 (AMLD) of the European Parliament and of the Council on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, to Directive 2014/92/EU (PAD) on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features, to Directive 2009/110/EC (EMD) on the taking up, pursuit and prudential supervision of the business of electronic money institutions, to Directive 2002/65/EC (DMD) concerning the distance marketing of consumer financial services and to binding technical standards (RTS, ITS) and EBA guidelines (GL)

Other documents

• Supervisory benchmark No 2/2023 (pdf, 881 kB) – On client due diligence via the transaction monitoring system
• Supervisory benchmark No 4/2022 (pdf, 276 kB) – On prudent approach of credit institutions to publicly available information with AML/CFT implications
• Supervisory benchmark No 2/2018 as amended on 22 July 2022 (pdf, 345 kB) – On the requirements for selected procedures for the implementation of international sanctions (pdf, 345 kB)
• Available in Czech Only.