ARTICLE · 11 DECEMBER 2025

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FIAU Issues Guidance On AML/CFT Obligations In The Context Of Instant Payments

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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 ...

MaltaGovernment, Public Sector

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In December 2025, the Financial Intelligence Analysis Unit (FIAU), 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 (AML/CFT) obligations and the requirements imposed by Regulation (EU) 2024/886 on instant credit transfers in euro. This publication offers valuable direction to payment service providers (PSPs) navigating the operational and legal challenges associated with real-time payments.

We have summarised the main positions set out in that guidance, examining how PSPs should balance the regulatory mandate to offer instant payments with their duty to detect, assess, and report suspicious activity.

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