{"id":5638,"date":"2025-10-02T13:48:15","date_gmt":"2025-10-02T11:48:15","guid":{"rendered":"https:\/\/rp.pleeg-staging.de\/?post_type=news&p=5638"},"modified":"2026-03-02T17:01:15","modified_gmt":"2026-03-02T16:01:15","slug":"gwgmeldv-datengetrieben-und-standardisiert","status":"publish","type":"news","link":"https:\/\/rp.pleeg-staging.de\/eng\/news\/gwgmeldv-datengetrieben-und-standardisiert\/","title":{"rendered":"GwGMeldV: Data-driven and standardized"},"content":{"rendered":"

Submission format for suspicious activity reports<\/strong><\/h2>\n\n\n\n

Suspicious activity reports (SARs) must still be submitted either via the web interface of the goAML system or in a structured, machine-readable XML format. Other transmission methods are not permitted.\nAttachments must be submitted in a format specified by the FIU, which is machine-readable and electronically searchable.\nExceptions to these formal requirements are only permitted in the event of system disruptions. In such cases, obliged entities may use alternative submission channels, as published on the FIU\u2019s website.<\/p>\n\n\n\n

Mandatory fields in a suspicious activity report<\/strong><\/h2>\n\n\n\n

The GwGMeldV puts a stronger focus on standardisation.\nData such as personal and account details, payment information, reporting reasons, and background facts must now be provided in required fields and filled out completely.\nThe possibility of describing complex cases solely in free text fields is significantly reduced.\n\nEspecially for transactions, the regulation now requires more detailed data than before. Funds must be recorded with precision \u2014 including date, amount, currency, account details, payment references, and the beneficial owner involved.<\/p>\n\n\n\n

The goal is clear: the FIU should be able to process reports automatically and reduce the need for manual follow-ups or clarifications.<\/p>\n\n\n\n

However, this also means that submitting a legally compliant, data-driven SAR will become more demanding and time-consuming for obliged entities.<\/p>\n\n\n\n

Requirements for case descriptions<\/strong><\/h2>\n\n\n\n

The GwGMeldV ties the factual description of a case even more closely to the due diligence obligations under the AML Act.\nSpecifically, the data collected in accordance with:\nSection 10 GwG (type and purpose of the business relationship) and Section 11 GwG (identification obligations and beneficial ownership) are now explicitly required in every suspicious activity report. These KYC details are now a mandatory part of the report content.<\/p>\n\n\n\n

Additional requirements for crypto transactions<\/strong><\/h2>\n\n\n\n

For the first time, the regulation explicitly requires the following information for transactions involving crypto assets: Blockchain transaction ID, amount in cryptocurrency, conversion rate to euros.\n\nThis represents a clear tightening of reporting obligations for crypto service providers, who must ensure their systems can record and transmit these data in structured form.\nBanks that are involved in crypto transactions are also affected and cannot opt out.\nWithout this information, a report will not be considered legally compliant.<\/p>\n\n\n\n

New requirements for real estate transactions<\/strong><\/h2>\n\n\n\n

Another area affected by stricter obligations is real estate. The GwGMeldV requires SARs to include additional information beyond previous standards.\n\nIn addition to the usual data on parties and purchase price, reports must now include: Location and type of use, land register reference, size of the property, purchase price. These are now mandatory fields within the SAR submission.<\/p>\n\n\n\n

Technical validation of reports<\/strong><\/h2>\n\n\n\n

To check whether SARs are submitted in the correct format and contain all required information, the FIU may apply technical validation procedures.\nThis makes automated checks binding \u2014 incomplete or incorrect reports can be rejected more quickly or returned for revision.<\/p>\n\n\n\n

More time for implementation<\/strong><\/h2>\n\n\n\n

The effective date of the regulation was postponed by five months compared to the draft issued by the Federal Ministry of Finance on 22 April 2025.\nInstead of taking effect in October 2025, the final version will apply from 1 March 2026.<\/p>\n\n\n\n

This transitional period gives obliged entities valuable time to adapt their systems to the new reporting standards \u2014 time that is urgently needed given the scope of the changes.<\/p>\n\n\n\n

Einfache Umsetzung mit Regpit<\/strong><\/h2>\n\n\n\n

Da die GwGMeldV KYC-Daten nach \u00a7\u00a7 10 und 11 GwG ausdr\u00fccklich als erforderliche Angaben einbezieht, kann eine strukturierte Erhebung und Dokumentation dieser Daten die Abgabe von Verdachtsmeldungen erleichtern. Hinweise zur digitalen Abbildung entsprechender KYC\/KYB-Prozesse finden sich in unserer KYC Solution.<\/a><\/p>\n\n\n\n



Bei Fragen zur Umsetzung oder Interesse an unserer Software: Kontaktieren Sie uns und buchen Sie einen Termin<\/a> oder schreiben Sie an contact@regpit.com.<\/strong><\/p>\n\n\n\n

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