21/01/2026
The Spanish Ministry of Economy, Trade and Enterprise has opened a prior public consultation on a draft Royal Decree that will amend Royal Decree 304/2014, the regulation implementing Law 10/2010 on the prevention of money laundering and terrorist financing (AML/CFT).
The initiative reflects Spain’s intention to modernise its AML regulatory framework in response to evolving risks, technological developments, and new international and European requirements.
According to the Ministry, the draft amendment seeks to address several structural drivers:
Evolving money laundering and terrorist financing risks, including new typologies identified in recent years.
Technological innovation and new business models, with explicit reference to crypto-assets and digital activities.
Alignment with international standards, in particular the recommendations of the Financial Action Task Force (FATF).
Consistency with the EU’s new anti-money-laundering package, which aims to strengthen and harmonise AML rules across Member States.
Correction of practical shortcomings identified during the application of the existing regulation.
Although the consultation does not yet include the final legislative text, it signals that Spain is preparing to recalibrate detailed AML obligations at regulatory level, potentially affecting areas such as risk assessments, customer due diligence, reporting obligations, and internal controls.