financial institution

Defined in Article 3, Fourth Anti-Money Laundering Directive

Definitions over time (2)

1. 30/12/2024 – today applies on 12/11/2026 Article 3, Fourth Anti-Money Laundering Directive Scope: Whole act

   For the purposes of this Directive, the following definitions apply:

   ‘financial institution’ means: an undertaking other than a credit institution, which carries out one or more of the activities listed in points (2) to (12), (14) and (15) of Annex I to Directive 2013/36/EU of the European Parliament and of the Council (^{4}), including the activities of currency exchange offices (bureaux de change); an insurance undertaking as defined in point (1) of Article 13 of Directive 2009/138/EC of the European Parliament and of the Council (^{5}), insofar as it carries out life assurance activities covered by that Directive; an investment firm as defined in point (1) of Article 4(1) of Directive 2004/39/EC of the European Parliament and of the Council (^{6}); a collective investment undertaking marketing its units or shares; an insurance intermediary as defined in point (5) of Article 2 of Directive 2002/92/EC of the European Parliament and of the Council (^{7}) where it acts with respect to life insurance and other investment-related services, with the exception of a tied insurance intermediary as defined in point (7) of that Article; branches, when located in the Union, of financial institutions as referred to in points (a) to (e), whether their head office is situated in a Member State or in a third country; crypto-asset service providers;

2. 09/07/2018 – 30/12/2024 Article 3, Fourth Anti-Money Laundering Directive Scope: Whole act

   For the purposes of this Directive, the following definitions apply:

   ‘financial institution’ means: an undertaking other than a credit institution, which carries out one or more of the activities listed in points (2) to (12), (14) and (15) of Annex I to Directive 2013/36/EU of the European Parliament and of the Council (^{4}), including the activities of currency exchange offices (bureaux de change); an insurance undertaking as defined in point (1) of Article 13 of Directive 2009/138/EC of the European Parliament and of the Council (^{5}), insofar as it carries out life assurance activities covered by that Directive; an investment firm as defined in point (1) of Article 4(1) of Directive 2004/39/EC of the European Parliament and of the Council (^{6}); a collective investment undertaking marketing its units or shares; an insurance intermediary as defined in point (5) of Article 2 of Directive 2002/92/EC of the European Parliament and of the Council (^{7}) where it acts with respect to life insurance and other investment-related services, with the exception of a tied insurance intermediary as defined in point (7) of that Article; branches, when located in the Union, of financial institutions as referred to in points (a) to (e), whether their head office is situated in a Member State or in a third country;

Used in (48 places in 24 provisions on 12/11/2026)

Fourth Anti-Money Laundering Directive (48 in 24)

Recital 2 · Recital 43 · Recital 47² · Recital 48 · Recital 59 · Article 2 · Article 3⁵ · Article 10 · Article 12 · Article 13³ · Article 14 · Article 17 · Article 18 · Article 18a · Article 19 · Article 24² · Article 30 · Article 31 · Article 39 · Article 45 · Article 48⁴ · Article 57a¹³ · Article 59 · Article 62²