{"id":6807,"date":"2025-12-04T13:30:44","date_gmt":"2025-12-04T12:30:44","guid":{"rendered":"https:\/\/rp.pleeg-staging.de\/?post_type=blogartikel&p=6807"},"modified":"2025-12-22T09:56:33","modified_gmt":"2025-12-22T08:56:33","slug":"orientierungshilfe-verdachtsmeldungen","status":"publish","type":"blogartikel","link":"https:\/\/rp.pleeg-staging.de\/eng\/orientierungshilfe-verdachtsmeldungen\/","title":{"rendered":"Guidance on Suspicious Activity Reports"},"content":{"rendered":"
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\u201cIf there are facts indicating the circumstances referred to in Section 43 (1) GwG,<\/p>\n\n\n\n

he obliged entity must report this matter to the FIU without delay, regardless of the<\/p>\n\n\n\n

value of the asset concerned or the transaction amount.\u201d<\/p>\n\n\n\n

\u2013 Excerpt from the BaFin and FIU guidance<\/p>\n\n\n\n

<\/p>\n<\/blockquote>\n<\/blockquote>\n\n\n\n

Help is on the way:\nAt the end of November 2025, the financial supervisory authority BaFin and the Financial Intelligence Unit (FIU) published an updated version of the guidance on suspicious activity reports. <\/p>\n\n\n\n

What is the purpose of the guidance? <\/h2>\n\n\n\n

The guidance supplements previous publications by both authorities and is based on the Interpretative and Application Notes (AuA) to the GwG as well as the FIU\u2019s general requirements for presenting the facts (financial sector). It is intended to help obliged entities submit accurate and complete suspicious activity reports. <\/p>\n\n\n\n


What does the guidance include? <\/h2>\n\n\n\n

The guidance clarifies the concepts of \u201ctimeliness\u201d and \u201ccompleteness\u201d of a suspicious activity report under Section 43 GwG. The updated version also includes comments from the private sector and practical examples designed to support obliged entities in application. <\/p>\n\n\n\n

In addition, the document provides a visual decision-making aid: <\/p>\n\n\n\n

\"-<\/figure>\n\n\n\n

Diese Abbildung ist angelehnt an die Ver\u00f6ffentlichung der FIU.<\/p>\n\n\n\n

The joint guidance by BaFin and the FIU can be accessed here: Guidance on Suspicious Activity Reports <\/a><\/p>\n\n\n\n

<\/p>\n\n\n\n

What if it is still unclear whether a matter must be reported?<\/h2>\n\n\n\n

If there is uncertainty as to whether the conditions outlined in the guidance for reporting under Section 43 (1) sentence 1 GwG are met, institutions must, in case of doubt, submit a suspicious activity report. This is set out in the general section of BaFin\u2019s Interpretative and Application Notes under section 10.3.<\/p>\n\n\n\n


Do you have questions or need support with your AML compliance? <\/h2>\n\n\n\n

We at Regpit are happy to assist you. Contact us via our form or by email at contact@regpit.com.<\/strong><\/p>\n\n\n\n

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