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Amendments to Luxembourg laws to implement MiCAR and TFR: key takeaways and impact on VASPs

On 21 May 2024, a bill of law n° 8387 was introduced before the Luxembourg Parliament. Its objective is to amend several pieces of Luxembourg legislation to operationalise various European regulations, in particular...more

CRD VI cross-border rules take shape

Final provisions on cross-border banking services in the EU published - CRD VI will bring in uniform minimum prudential requirements for third country branches providing banking services in the EU and, more importantly,...more

Recent amendments to the Luxembourg AML/CTF legal framework

Make sure that your policies and procedures are up-to-date. A series of amendments were introduced into the amended act of 12 November 2004 on the fight against money laundering and terrorist financing (the AML Act 2004)...more

CSSF clarifies the requirements for persons willing to benefit from the limited network exclusion under PSD II

On 18 May 2022, the CSSF published CSSF circular 22/812 (the CSSF Circular) through which it integrates into its administrative practice and regulatory approach the EBA guidelines on the so-called limited network exclusion...more

Impact of amendments to the CSSF circular 12/552 for the industry

On 22 April 2022, the CSSF published CSSF circular 22/807 amending the CSSF circular 12/552 on central administration, internal governance and risk management to take account of amended or new guidelines issued by EBA and/or...more

New intervention powers granted to the CSSF for residential housing loans

In light of the continued growth of residential housing prices and the impact on household debt, the Luxembourg parliament adopted a new act on 4 December 2019 (the Act) to grant specific intervention powers to Luxembourg’s...more

12/17/2019  /  Borrowers , CSSF , Loans , Luxembourg

Register of beneficial owners: make sure you are ready by 31 August 2019

As indicated in our previous e-alert? the Luxembourg register of beneficial owners (the Luxembourg RBE) will go live on 1 September 2019. If you are the director or manager of an entity registered with the Luxembourg trade...more

Third country firms providing investment services on a cross-border basis – challenging times

One of the consequences of the implementation of MiFID II into Luxembourg law is the creation of a new regime for third country firms providing investment services. This new regime is distinct from the regime that is in place...more

Reminder for upcoming legal reporting to the CSSF - The CSSF amends CSSF circular 14/593 to reflect the fact that credit...

Since ensuring the quality of the prudential data reported to the CSSF is key to ensure adequate supervision of credit institutions both at national and EU levels, the CSSF now offers (from the reporting reference period...more

Clarifications on the Operating Conditions of the Register of Beneficial Owners

The Grand Ducal regulation specifying certain practical requirements under the act establishing the register of beneficial owners (registre des bénéficiaires effectifs) (the RBE) was adopted on 15 February 2019 (the...more

The act on the register of beneficial owners has just been published

The long awaited Luxembourg act of 13 January 2019 pertaining to the register of beneficial owners (the Act) has just been published in the Official Journal on 15 January 2019. It will enter into force on 1st March 2019....more

1/24/2019  /  Beneficial Owner , EU , Luxembourg

Interesting changes in relation to applicable cooperation requirements with the Luxembourg Financial Intelligence Unit

Professionals subject to the law of 12 November 2004 relating to the fight against money laundering and terrorist financing, as amended (the AML Law) (the Professionals) should be aware of a few changes introduced by the law...more

Latest developments on the implementation in Luxembourg of the provisions of the fourth AML directive pertaining to the registers...

Since our e-alert of 15 February 2018, the last three pieces of legislation aimed at formally transposing the fourth anti-money laundering directive (AMLD IV) in Luxembourg have been amended in the course of the legislative...more

Product governance obligations also apply to retail banking products

While significant efforts have been deployed by investment firms and credit institutions offering investment services to comply with MiFID II product governance obligations, particular attention should also be paid to...more

Latest developments on the implementation in Luxembourg of the provisions of the fourth AML directive

Since our e-alert of 15 February 2018, the last three pieces of legislation aimed at formally transposing the fourth anti-money laundering directive;(AMLD IV) in Luxembourg have been amended in the course of the legislative...more

The reform of the professional secrecy in the financial and insurance sector: the key changes

The provisions of the long awaited act of 27 February 2018 (the 2018 Act) which aim at smoothing (especially in the context of outsourcing arrangements) the professional secrecy regime that credit institutions, professionals...more

Implementation of the fourth AML directive in Luxembourg: what will be the new obligations?

The Luxembourg Parliament has now finally adopted bill n° 71281, which implements most of the provisions of the Directive (EU) 2015/849, the so-called 4th anti-money laundering directive (AMLD IV), into Luxembourg law. The...more

Professional secrecy and outsourcing arrangements – Latest developments

At the time we released our last e-alert on the bill of law n°7024 aiming, among others, at amending article 41 of the Luxembourg act of 5 April 1993 on the financial sector, as amended (the Banking Act 1993) on professional...more

Professional secrecy and outsourcing arrangements – Final text to be adopted soon?

Since our last e-alert on the bill of law n°7024 (the Bill of Law 7024), aimed, among others, at amending article 41 of the Luxembourg act of 5 April 1993 on the financial sector, as amended (the Banking Act 1993), which...more

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