Malta: Money Laundering

The Malta Financial Services Authority has issued new supervisory guidance following a thematic review of how credit institutions identify and mitigate terrorist financing, proliferation financing and sanctions evasion risks. The review reveals significant gaps in proliferation financing frameworks and sets clear expectations for governance, risk assessment, transaction monitoring and the responsible deployment of artificial intelligence in financial crime compliance.

This quarterly bulletin consolidates significant legal, regulatory, and compliance developments across Malta's financial services, gaming, consumer protection, and data protection sectors. Key regulatory bodies including the MGA, MFSA, FIAU, MCCAA, IDPC, and FSSA have issued consultations, guidance, and enforcement updates addressing artificial intelligence governance, anti-money laundering standards, decentralised finance frameworks, and enhanced consumer protections. The updates reflect Malta's ongoing al

Malta’s anti-money laundering and counter-terrorist financing (AML/CFT) framework has undergone a significant evolution following the introduction of Legal Notice 82 of 2026...

In December 2025, the Financial Intelligence Analysis Unit, together with the Central Bank of Malta, issued a Question and Answers document providing interpretative guidance on the interaction between anti-money laundering and counter-financing of terrorism obligations ...

In the coming months, subject persons must submit their updated Risk Evaluation Questionnaire, confirm their Subject Person Profile and present a complete Business Risk Assessment.

In accordance with the Gaming Definitions Regulations (S.L.583.04), 'gaming' means an activity consisting in participating in a game, offering a gaming service or making a gaming supply...

On the 14th of May 2025, the Malta Financial Intelligence Analysis Unit (‘FIAU') issued a guidance document, bearing code SA25-01, aiding compliance professionals identify indicators...

The FIAU endorses such documents through a Guidance Note on High Risk and Non-Cooperative Jurisdictions published on February 2025 and as a result, subject persons are obliged to compl with the FATF public documents.

The European Banking Authority (hereinafter referred to as "EBA") has launched a public consultation on draft Regulatory Technical Standards (hereinafter referred to as "RTS")...