Αρχική Τροποποίηση του ν.4557/2018 (Α΄139) για την πρόληψη και καταστολή της νομιμοποίησης εσόδων από εγκληματικές δραστηριότητες και της χρηματοδότησης της τρομοκρατίας- Ενσωμάτωση της Οδηγίας (ΕΕ) 2018/843Άρθρο 07 – Περιπτώσεις εφαρμογής δέουσας επιμέλειας – Τροποποίηση του άρθρου 12 του ν. 4557/2018Σχόλιο του χρήστη Thaer SABRI | 11 Σεπτεμβρίου 2020, 15:02
  • Σχόλιο του χρήστη 'Thaer SABRI' | 11 Σεπτεμβρίου 2020, 15:02

    Anonymous prepaid instruments play an important role in facilitating the uptake of electronic money products by consumers and provide convenient payment functionality to those who either are unable to verify their identity or do not wish do so out of privacy concerns. Anonymous prepaid instruments issued in the EU and EEA are limited by the conditions imposed on their issuance under Article 12 4MLD (as amended), which minimizes the risk that they are used for money laundering or terrorist financing purposes. Limiting the acceptance of these instruments to those issued in the EU only will affect all anonymous products (eg. gift cards, benefit or expense cards) issued in the UK (which has already implemented 5MLD) and other third countries with equivalent regimes without taking into consideration the risk posed and the mitigation applied for the products in question. We therefore propose amending the wording of article 7 (amending article 12) paragraph 5 on page 13 of draft changes: Credit institutions and financial institutions acting as payment card recipients shall accept payments made with anonymous prepaid cards only if these have been issued by liable persons established in the European Union or in third countries where such cards meet requirements equivalent to those set out in paragraphs 2 and 3.