歐洲議會(huì)和歐盟理事會(huì)關(guān)于修訂理事會(huì)關(guān)于防止利用金融系統(tǒng)洗(編輯修改稿)
2025-07-25 15:24 本頁面
【文章內(nèi)容簡(jiǎn)介】 is paid amounting to EUR 2500 or less. [16]If the periodic premium amount or amounts to be paid in any given year is or are increased so as to exceed the EUR 1000 threshold, identification shall be required. 4. Member States may provide that the identification requirement is not pulsory for insurance policies in respect of pension schemes taken out[17] by virtue of[18] a contract of employment or the insured39。s occupation[19], provided that such policies contain no surrender clause and may not be used as collateral for a loan. 5. By way of derogation from the preceding paragraphs, all casino customers shall be identified if they purchase or sell gambling chips with a value of EUR 1000 or more. 6. Casinos subject to State supervision shall be deemed[20] in any event to have plied with the identification requirement laid down in this Directive if they register and identify their customers immediately on entry, regardless of the number of gambling chips purchased. 7. In the event of doubt as to whether the customers referred to in the above paragraphs are acting on their own behalf, or where it is certain that they are not acting on their own behalf, the institutions and persons subject to this Directive shall take reasonable measures to obtain information as to the real identity of the persons on whose behalf those customers are acting. 8. The institutions and persons subject to this Directive shall carry out such identification, even where the amount of the transaction is lower than the threshold laid down, wherever there is suspicion of money laundering. 9. The institutions and persons subject to this Directive shall not be subject to the identification requirements provided for in this Article where the customer is a credit or financial institution covered by this Directive or a credit or financial institution situated in a third country which imposes, in the opinion of the relevant Member States, equivalent requirements to those laid down by this Directive. 10. Member States may provide that the identification requirements regarding transactions referred to in paragraphs 3 and 4 are fulfilled when it is established that the payment for the transaction is to be debited[21] from an account opened in the customer39。s name with a credit institution subject to this Directive according to the requirements of paragraph 1.[22] 11. Member States shall, in any case, ensure that the institutions and persons subject to this Directive take specific and adequate measures necessary to pensate for the greater risk of money laundering which arises when establishing business relations or entering into a transaction with a customer who has not been physically present for identification purposes (39。nonface to face39。 operations). Such measures shall ensure that the customer39。s identity is established, for example, by requiring additional documentary evidence, or supplementary measures to verify or certify the documents supplied, or confirmatory certification by an institution subject to this Directive, or by requiring that the first payment of the operations is carried out through an account opened in the customer39。s name with a credit institution subject to this Directive. The internal control procedures laid down in Article 11(1) shall take specific account of these measures. Article 4 Member States shall ensure that the institutions and persons subject to this Directive keep the following for use as evidence in any investigation into money laundering: in the case of identification, a copy or the references[23] of the evidence required, for a period of at least five years after the relationship with their customer has ended, in the case of transactions, the supporting evidence and records, consisting of the original documents or copies admissible[24] in court proceedings under the applicable national legislation for a period
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