The European Union’s New Anti-Money Laundering Regime

Yıl 2025, Cilt: 83 Sayı: 4, 557 - 588, 08.12.2025

Yavuz Akbulak

Öz

The European Commission’s latest regime/package for combating money laundering and the financing of terrorism addresses urgent security gaps in its field and introduces significant improvements to the rules for combating money laundering and the financing of terrorism. The new regime aims to strengthen rules against money laundering and the financing of terrorism across the European Union and close existing legal gaps by harmonizing requirements across Member States. In addition to strengthening the existing regulatory framework, this package also established a new European anti-money laundering supervisory authority, the Anti-Money Laundering Authority, based in Frankfurt, which began operations on July 1, 2025. This article focuses on the elements of the new regime and the new regulations introduced within the scope of the European Union’s fight against money laundering and the financing of terrorism.

Anahtar Kelimeler

European Union , money laundering , combating money laundering , financing of terrorism , obligated entity

AVRUPA BİRLİĞİ'NİN YENİ KARA PARA AKLAMAYLA MÜCADELE REJİMİ

Öz

Avrupa Komisyonu’nun son Kara Para Aklama ve Terörizmin Finansmanıyla Mücadele rejimi/paketi, kendi alanındaki acil güvenlik açıklarını ele almakta ve mücadele kurallarında önemli düzeltmeler gerçekleştirmektedir. Yeni rejimin amacı, Avrupa Birliği genelindeki kara para aklama ve terörizmin finansmanı kurallarını güçlendirmek ve üye devletler genelindeki koşulları uyumlu hale getirerek mevcut yasal boşlukları kapatmaktır. Bu paketle, mevcut düzenleyici çerçevenin güçlendirilmesinin yanı sıra, 01 Temmuz 2025 tarihinde faaliyetlerine başlayan Frankfurt merkezli yeni bir Avrupa kara para aklama denetim otoritesi olan Kara Para Aklamayı Önleme Kurumu da kurulmuştur. Bu yazıda, Avrupa Birliği kara para aklama ve terörizmin finansmanıyla mücadele kapsamındaki yeni rejimin unsurları ve getirilen yeni düzenlemeler üzerinde durulmaktadır.

Anahtar Kelimeler

Avrupa Birliği , kara para aklama , kara para aklamayla mücadele , terörizmin finansmanı , yükümlü kuruluş

Etik Beyan

Bu derleme çalışmada yer alan görüşler yazarına ait olup çalıştığı kurumu bağlamaz, yazarın çalıştığı kurum veya göreviyle ilişki kurulmak suretiyle kullanılamaz. Çalışmadaki tüm hatalar, kusurlar, noksanlıklar ve eksiklikler yazarına aittir.

Kaynakça

• Anti-money laundering and countering the financing of terrorism at EU level, European Commission, < https://finance.ec.europa.eu/financial-crime/anti-money-laundering-and-countering-financing-terrorism-eu-level_en#links > 01 Kasım 2025.
• FORSTMANN, Nadina, Pelin ŞENTÜRK, The New EU AML Package, Deloitte Legal, 02 Jul 2025, < https://www.deloittelegal.de/dl/en/services/legal/perspectives/eu-aml-paket-wendepunkt-geldwaeschepraevention.html > 01 Kasım 2025.
• Navigating the EU Anti-Money Laundering Regulation, Key issues for the accountancy profession, Factsheet, Accountancy Europe, < https://accountancyeurope.eu/wp-content/uploads/2024/12/241218_AML_Regulation_Factsheet_AccountancyEurope.pdf > 01 Kasım 2025.
• Navigating the next wave of AML regulation to drive strategic innovation: The role of AMLA, EY, 2025, < https://www.ey.com/content/dam/ey-unified-site/ey-com/en-gl/noindex/documents/ey-gl-navigating-the-next-wave-of-aml-regulation-to-drive-strategic-innovation-07-2025.pdf > 01 Kasım 2025.
• OVENDEN, Sinead, The EU’s new Anti-Money Laundering Authority: What it means for your business, PwC, June 30, 2025, < https://www.pwc.ie/services/audit-assurance/insights/eu-new-anti-money-laundering-authority.html > 01 Kasım 2025.
• REIMER, Richard, Sarah Wrage, Dominic Hill, Charles Elliot, and Sinead Meany, What is the new EU AML regime? Hogan Lovells, 10 April 2025, < https://www.hoganlovells.com/en/publications/what-is-the-new-eu-aml-regime > 01 Kasım 2025.
• The EU’s New AML/CFT Framework: A Complete Guide, ComplyAdvantage, < https://get.complyadvantage.com/a-guide-to-the-european-unions-new-aml-cft-framework > 01 Kasım 2025.
• The New EU AML Package, Deloitte, 02 Jul 2025, < https://www.deloittelegal.de/dl/en/services/legal/perspectives/eu-aml-paket-wendepunkt-geldwaeschepraevention.html > 01 Kasım 2025.
• The new European AML package – a navigatör, Freshfields Bruckhaus Deringer Rechtsanwälte Steuerberater PartG mbB, < https://www.freshfields.com/globalassets/noindex/documents/the-european-aml-package-a-navigator.pdf > 01 Kasım 2025.
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