Directive 2005/60/EC of the European Parliament and of the Council

Direktiva Evropskega parlamenta in Sveta 2005/60/ES

of 26 October 2005

z dne 26. oktobra 2005

on the prevention of the use of the financial system for the purpose of money laundering and terrorist financing

o preprečevanju uporabe finančnega sistema za pranje denarja in financiranje terorizma

(Text with EEA relevance)

(Besedilo velja za EGP)

THE EUROPEAN PARLIAMENT AND THE COUNCIL OF THE EUROPEAN UNION,

EVROPSKI PARLAMENT IN SVET EVROPSKE UNIJE STA –

Having regard to the Treaty establishing the European Community, and in particular Article 47(2), first and third sentences, and Article 95 thereof,

ob upoštevanju Pogodbe o ustanovitvi Evropske skupnosti in zlasti prvega in tretjega stavka člena 47(2) in člena 95 Pogodbe,

Having regard to the proposal from the Commission,

ob upoštevanju predloga Komisije,

Having regard to the opinion of the European Economic and Social Committee [1],

ob upoštevanju mnenja Evropskega ekonomsko-socialnega odbora [1],

Having regard to the opinion of the European Central Bank [2],

ob upoštevanja mnenja Evropske centralne banke [2],

Acting in accordance with the procedure laid down in Article 251 of the Treaty [3],

v skladu s postopkom, določenim v členu 251 Pogodbe [3],

Whereas:

ob upoštevanju naslednjega:

(1) Massive flows of dirty money can damage the stability and reputation of the financial sector and threaten the single market, and terrorism shakes the very foundations of our society. In addition to the criminal law approach, a preventive effort via the financial system can produce results.

(1) Obsežni tokovi umazanega denarja lahko škodujejo stabilnosti in ugledu finančnega sektorja in ogrožajo notranji trg, terorizem pa pretresa temelje naše družbe. Poleg kazenskopravnega pristopa je mogoče doseči rezultate tudi s preventivnimi ukrepi finančnega sistema.

(2) The soundness, integrity and stability of credit and financial institutions and confidence in the financial system as a whole could be seriously jeopardised by the efforts of criminals and their associates either to disguise the origin of criminal proceeds or to channel lawful or unlawful money for terrorist purposes. In order to avoid Member States' adopting measures to protect their financial systems which could be inconsistent with the functioning of the internal market and with the prescriptions of the rule of law and Community public policy, Community action in this area is necessary.

(2) Prizadevanja storilcev kaznivih dejanj in njihovih družabnikov, da bi prikrili izvor protipravne premoženjske koristi ali pa zakonita ali nezakonita sredstva namenili za terorizem, lahko resno ogrozijo trdnost, integriteto in stabilnost kreditnih in finančnih ustanov ter zaupanje v finančni sistem kot celoto. Na tem področju je treba sprejeti ukrep Skupnosti, da bi preprečili, da države članice z namenom, da bi zavarovale svoje finančne sisteme, sprejmejo ukrepe, ki niso v skladu z oblikovanjem notranjega trga ter s predpisi pravne države in javnim redom Skupnosti.

(3) In order to facilitate their criminal activities, money launderers and terrorist financers could try to take advantage of the freedom of capital movements and the freedom to supply financial services which the integrated financial area entails, if certain coordinating measures are not adopted at Community level.

(3) Brez sprejetja nekaterih usklajevalnih ukrepov na ravni Skupnosti bi si tisti, ki perejo denar, in tisti, ki financirajo terorizem, poskušali olajšati izvrševanje svojih kaznivih dejanj z izkoriščanjem prostega pretoka kapitala in svobode zagotavljanja finančnih storitev, ki ju vključuje integrirano finančno območje.

(4) In order to respond to these concerns in the field of money laundering, Council Directive 91/308/EEC of 10 June 1991 on prevention of the use of the financial system for the purpose of money laundering [4] was adopted. It required Member States to prohibit money laundering and to oblige the financial sector, comprising credit institutions and a wide range of other financial institutions, to identify their customers, keep appropriate records, establish internal procedures to train staff and guard against money laundering and to report any indications of money laundering to the competent authorities.

(4) Z namenom poiskati rešitve za izpostavljene probleme na področju pranja denarja je bila sprejeta Direktiva Sveta 91/308/EGS z dne 10. junija 1991 o preprečevanju uporabe finančnega sistema za pranje denarja [4]. Le-ta je od držav članic zahtevala, da prepovejo pranje denarja in zavežejo finančni sektor, vključno s kreditnimi ustanovami in vrsto drugih finančnih ustanov, da identificirajo svoje stranke, vodijo evidence, vzpostavijo notranje postopke za strokovno usposabljanje uslužbencev in zaščito pred pranjem denarja ter poročajo pristojnim organom o vsakem znaku pranja denarja.

(5) Money laundering and terrorist financing are frequently carried out in an international context. Measures adopted solely at national or even Community level, without taking account of international coordination and cooperation, would have very limited effects. The measures adopted by the Community in this field should therefore be consistent with other action undertaken in other international fora. The Community action should continue to take particular account of the Recommendations of the Financial Action Task Force (hereinafter referred to as the FATF), which constitutes the foremost international body active in the fight against money laundering and terrorist financing. Since the FATF Recommendations were substantially revised and expanded in 2003, this Directive should be in line with that new international standard.

(5) Pranje denarja in financiranje terorizma se pogosto izvajata na mednarodni ravni. Ukrepi, sprejeti izključno na nacionalni ravni ali na ravni Skupnosti, vendar brez upoštevanja mednarodne koordinacije in sodelovanja, bi imeli zelo omejene učinke. Ukrepi, ki jih sprejme Skupnost na tem področju, bi morali biti torej usklajeni z drugimi ukrepi, ki so sprejeti na mednarodni ravni. Ukrepi, sprejeti s strani Skupnosti na tem področju, naj predvsem upoštevajo priporočila Projektne skupine za finančno ukrepanje (v nadaljevanju "FATF"), ki predstavlja najpomembnejše mednarodno telo na področju boja proti pranju denarja in financiranju terorizma. Ker je FATF leta 2003 bistveno spremenila in razširila priporočila, bi bilo treba direktivo Skupnosti uskladiti z novim mednarodnim standardom.

(6) The General Agreement on Trade in Services (GATS) allows Members to adopt measures necessary to protect public morals and prevent fraud and adopt measures for prudential reasons, including for ensuring the stability and integrity of the financial system.

(6) Splošni sporazum o trgovini s storitvami (GATS) članicam dovoljuje sprejetje ukrepov, potrebnih za zaščito javne morale in preprečevanje goljufij ter sprejetje ukrepov za varno in skrbno poslovanje ter za zagotavljanje trdnosti in celosti finančnega sistema.

(7) Although initially limited to drugs offences, there has been a trend in recent years towards a much wider definition of money laundering based on a broader range of predicate offences. A wider range of predicate offences facilitates the reporting of suspicious transactions and international cooperation in this area. Therefore, the definition of serious crime should be brought into line with the definition of serious crime in Council Framework Decision 2001/500/JHA of 26 June 2001 on money laundering, the identification, tracing, freezing, seizing and confiscation of instrumentalities and the proceeds of crime [5].

(7) Zadnja leta je opazna potreba po širši opredelitvi pranja denarja, sprva omejeni na nezakonito trgovanje z mamili, ki naj bi zajemala daljši seznam predhodnih kaznivih dejanj. Razširjen obseg predhodnih kaznivih dejanj bi olajšal poročanje o sumljivih transakcijah in mednarodno sodelovanje na tem področju. Zato bi bilo treba opredelitev hudega kaznivega dejanja uskladiti z opredelitvijo hudega kaznivega dejanja iz Okvirnega sklepa Sveta 2001/500/PNZ z dne 26. junija 2001 o pranju denarja, identifikaciji, sledenju, zamrznitvi, zasegu in zaplembi predmetov kaznivih dejanj in premoženjske koristi, pridobljene s kaznivim dejanjem [5].

(8) Furthermore, the misuse of the financial system to channel criminal or even clean money to terrorist purposes poses a clear risk to the integrity, proper functioning, reputation and stability of the financial system. Accordingly, the preventive measures of this Directive should cover not only the manipulation of money derived from crime but also the collection of money or property for terrorist purposes.

(8) Nadalje zloraba finančnega sistema za preusmerjanje nezakonitih ali celo zakonitih sredstev za namene terorizma dejansko jasno ogroža celost, pravilno delovanje, ugled in stabilnost finančnega sistema. Zato bi morali preventivni ukrepi te direktive poleg rokovanja z nezakonitim denarjem pokrivati tudi zbiranje sredstev ali lastnine za namene terorizma.

(9) Directive 91/308/EEC, though imposing a customer identification obligation, contained relatively little detail on the relevant procedures. In view of the crucial importance of this aspect of the prevention of money laundering and terrorist financing, it is appropriate, in accordance with the new international standards, to introduce more specific and detailed provisions relating to the identification of the customer and of any beneficial owner and the verification of their identity. To that end a precise definition of "beneficial owner" is essential. Where the individual beneficiaries of a legal entity or arrangement such as a foundation or trust are yet to be determined, and it is therefore impossible to identify an individual as the beneficial owner, it would suffice to identify the class of persons intended to be the beneficiaries of the foundation or trust. This requirement should not include the identification of the individuals within that class of persons.

(9) Direktiva 91/308/EGS je sicer predpisala obveznost identifikacije strank, vendar je predvidela sorazmerno malo podrobnosti o ustreznih postopkih. Zaradi ključne vloge tega vidika preprečevanja pranja denarja in financiranja terorizma v skladu z novimi mednarodnimi standardi je primerno uvesti bolj specifične in podrobnejše določbe glede identifikacije in preverjanja strank in morebitnih dejanskih lastnikov. Zato je potrebna natančna opredelitev dejanskega lastnika. V primerih, v katerih je treba še določiti posameznike, ki so koristniki pravne osebe ali pravne organizacije, na primer ustanove ali družbe, ki nudijo podjetniške ali fiduciarne storitve, in zato ni mogoče določiti posameznika kot dejanskega lastnika, bi zadoščala določitev "skupine ljudi", predvidene za koristnike ustanove ali družbe, ki nudijo podjetniške ali fiduciarne storitve. Ta zahteva ne vsebuje določitve identitete posameznika znotraj te skupine ljudi.

(10) The institutions and persons covered by this Directive should, in conformity with this Directive, identify and verify the identity of the beneficial owner. To fulfil this requirement, it should be left to those institutions and persons whether they make use of public records of beneficial owners, ask their clients for relevant data or obtain the information otherwise, taking into account the fact that the extent of such customer due diligence measures relates to the risk of money laundering and terrorist financing, which depends on the type of customer, business relationship, product or transaction.

(10) Institucije in osebe, za katere velja ta direktiva, bi morale v skladu z njo identificirati in preveriti dejanske lastnike. Za izpolnitev te zahteve se institucije in osebe same odločijo, ali bodo uporabile javni register dejanskih lastnikov, zaprosile svoje stranke za zadevne podatke ali te informacije pridobile na drug način ob upoštevanju dejstva, da je obseg takih ukrepov za dobro gospodarjenje povezan z nevarnostjo pranja denarja in financiranja terorizma, kar je odvisno od same stranke, poslovnega odnosa, proizvoda ali transakcije.

(11) Credit agreements in which the credit account serves exclusively to settle the loan and the repayment of the loan is effected from an account which was opened in the name of the customer with a credit institution covered by this Directive pursuant to Article 8(1)(a) to (c) should generally be considered as an example of types of less risky transactions.

(11) Kreditni sporazumi, pri katerih kreditni račun služi izključno za poravnavo posojila in pri katerih se poplačilo posojila izvede prek računa, ki je bil odprt v imenu stranke pri kreditni ustanovi, za katero velja ta direktiva v skladu s členom 8(1)(a) do (c), bi se na splošno morali pojmovati kot primer manj tveganih transakcij.

(12) To the extent that the providers of the property of a legal entity or arrangement have significant control over the use of the property they should be identified as a beneficial owner.

(12) V obsegu, v katerem ima oseba, ki zagotavlja sredstva pravnemu subjektu ali organizaciji, pomemben nadzor nad uporabo premoženja, bi morala biti obravnavana kot dejanski lastnik.

(13) Trust relationships are widely used in commercial products as an internationally recognised feature of the comprehensively supervised wholesale financial markets. An obligation to identify the beneficial owner does not arise from the fact alone that there is a trust relationship in this particular case.

(13) Fiduciarni odnosi se množično uporabljajo pri komercialnih produktih kot mednarodno priznan pokazatelj celotnega nadzora grosističnih finančnih trgov. Obveza ugotavljanja dejanskega lastnika ne izhaja zgolj iz samega dejstva, da gre v tem primeru za fiduciaren odnos.

(14) This Directive should also apply to those activities of the institutions and persons covered hereunder which are performed on the Internet.

(14) Ta direktiva bi se morala uporabljati tudi za tiste dejavnosti, ki jih ustanove in osebe, za katere ta direktiva velja, opravljajo preko interneta.

(15) As the tightening of controls in the financial sector has prompted money launderers and terrorist financers to seek alternative methods for concealing the origin of the proceeds of crime and as such channels can be used for terrorist financing, the anti-money laundering and anti-terrorist financing obligations should cover life insurance intermediaries and trust and company service providers.

(15) Storilci kaznivih dejanj pranja denarja in osebe, ki financirajo terorizem, so bili zaradi poostrenega nadzora v finančnem sektorju prisiljeni iskati nadomestne metode za prikrivanje izvora sredstev, pridobljenih s kaznivimi dejanji, hkrati pa se takšne poti lahko uporabljajo za financiranje terorizma, zato bi morali obvezni ukrepi proti pranju denarja in financiranju terorizma veljati tudi za posrednike življenjskega zavarovanja in družbe, ki nudijo podjetniške in fiduciarne storitve.

(16) Entities already falling under the legal responsibility of an insurance undertaking, and therefore falling within the scope of this Directive, should not be included within the category of insurance intermediary.

(16) Subjekte, za katere je že pravno odgovorna zavarovalniška družba in iz tega razloga spadajo v področje uporabe te direktive, se ne bi smelo vključiti v kategorijo zavarovalniških posrednikov.

(17) Acting as a company director or secretary does not of itself make someone a trust and company service provider. For that reason, the definition covers only those persons that act as a company director or secretary for a third party and by way of business.

(17) Opravljanje funkcije direktorja ali poslovodje družbe ne pomeni, da je zadevna oseba samodejno ponudnik storitev za družbe, ki nudijo podjetniške in fiduciarne storitve. Zato opredelitev zajema samo osebe, ki za tretjo osebo opravljajo funkcijo direktorja ali poslovodje družbe kot svojo dejavnost.

(18) The use of large cash payments has repeatedly proven to be very vulnerable to money laundering and terrorist financing. Therefore, in those Member States that allow cash payments above the established threshold, all natural or legal persons trading in goods by way of business should be covered by this Directive when accepting such cash payments. Dealers in high-value goods, such as precious stones or metals, or works of art, and auctioneers are in any event covered by this Directive to the extent that payments to them are made in cash in an amount of EUR 15000 or more. To ensure effective monitoring of compliance with this Directive by that potentially wide group of institutions and persons, Member States may focus their monitoring activities in particular on those natural and legal persons trading in goods that are exposed to a relatively high risk of money laundering or terrorist financing, in accordance with the principle of risk-based supervision. In view of the different situations in the various Member States, Member States may decide to adopt stricter provisions, in order to properly address the risk involved with large cash payments.

(18) Večkrat se je pokazalo, da pri plačilu v gotovini višji zneski predstavljajo veliko tveganje za pranje denarja in financiranje terorizma. Zato bi morala ta direktiva v tistih državah članicah, ki dopuščajo plačevanje v gotovini v znesku, ki presega določen prag, veljati za vse fizične ali pravne osebe, ki trgujejo z blagom, pri prejemu takšnih gotovinskih plačil. Ta direktiva bi morala v vsakem primeru veljati za osebe, ki trgujejo z dragimi predmeti, kot so dragulji, žlahtne kovine ali umetniška dela, vključno s prireditelji dražb, če je vrednost njihovega gotovinskega plačila 15000 EUR ali več. Da bi zagotovili učinkovit nadzor nad spoštovanjem te direktive s strani potencialno velike skupine ustanov in oseb, lahko države članice svoje nadzorne ukrepe, ki ustrezajo načelu nadzora tveganj, osredotočijo posebej na tiste fizične in pravne osebe, pri katerih obstaja visoko tveganje za pranje denarja ali financiranje terorizma. Zaradi različnih razmer v posameznih državah se lahko države članice odločijo sprejeti strožje predpise, da bi se primerno odzvale na tveganje, povezano s plačevanjem visokih zneskov v gotovini.

(19) Directive 91/308/EEC brought notaries and other independent legal professionals within the scope of the Community anti-money laundering regime; this coverage should be maintained unchanged in this Directive; these legal professionals, as defined by the Member States, are subject to the provisions of this Directive when participating in financial or corporate transactions, including providing tax advice, where there is the greatest risk of the services of those legal professionals being misused for the purpose of laundering the proceeds of criminal activity or for the purpose of terrorist financing.

(19) Direktiva 91/308/EGS je določila, da režim Skupnosti proti pranju denarja velja tudi za notarje in druge neodvisne pravne strokovnjake, zato bi se morala ta ureditev ohraniti tudi v tej direktivi. Za te pravne strokovnjake, kakor jih opredeljujejo države članice, veljajo določbe te direktive, kadar so vključeni v finančne ali poslovne transakcije, vključno z davčnim svetovanjem, ki predstavljajo največje tveganje za zlorabo storitev pravnih strokovnjakov z namenom pranja protipravne premoženjske koristi, pridobljene s kaznivimi dejanji, ali za financiranje terorizma.

(20) Where independent members of professions providing legal advice which are legally recognised and controlled, such as lawyers, are ascertaining the legal position of a client or representing a client in legal proceedings, it would not be appropriate under this Directive to put those legal professionals in respect of these activities under an obligation to report suspicions of money laundering or terrorist financing. There must be exemptions from any obligation to report information obtained either before, during or after judicial proceedings, or in the course of ascertaining the legal position for a client. Thus, legal advice shall remain subject to the obligation of professional secrecy unless the legal counsellor is taking part in money laundering or terrorist financing, the legal advice is provided for money laundering or terrorist financing purposes or the lawyer knows that the client is seeking legal advice for money laundering or terrorist financing purposes.

(20) V skladu s to direktivo ne bi bilo primerno, da bi morali pravni strokovnjaki, ki pripadajo neodvisnim poklicem za pravno svetovanje, ki so pravno priznani in nadzorovani, kot na primer odvetniki, pri ugotavljanju pravnega položaja svoje stranke ali pri zastopanju stranke v pravnem postopku v zvezi s temi dejavnostmi biti zavezani k poročanju o sumu pranja denarja ali financiranja terorizma. Dovoliti se mora izjema od obveznosti posredovanja podatkov, pridobljenih pred, med ali po končanem sodnem postopku ali med ugotavljanjem pravnega položaja stranke. Pravno svetovanje je še vedno zaščiteno z institutom poklicne skrivnosti, razen če je pravni svetovalec udeležen pri pranju denarja ali financiranju terorizma, če je pravno svetovanje podano v zvezi s pranjem denarja ali financiranjem terorizma ali pa odvetnik ve, da stranka išče pravno svetovanje v zvezi s pranjem denarja ali financiranjem terorizma.

(21) Directly comparable services need to be treated in the same manner when provided by any of the professionals covered by this Directive. In order to ensure the respect of the rights laid down in the European Convention for the Protection of Human Rights and Fundamental Freedoms and the Treaty on European Union, in the case of auditors, external accountants and tax advisors, who, in some Member States, may defend or represent a client in the context of judicial proceedings or ascertain a client's legal position, the information they obtain in the performance of those tasks should not be subject to the reporting obligations in accordance with this Directive.

(21) Neposredno primerljive storitve je treba obravnavati enako, kadar jih izvajajo kateri koli strokovnjaki, za katere velja ta direktiva. Da se zagotovi spoštovanje pravic, določenih v Evropski konvenciji o varstvu človekovih pravic in temeljnih svoboščin ter v Pogodbi o Evropski uniji, revizorji, zunanji računovodje in davčni svetovalci, ki lahko v nekaterih državah članicah branijo ali zastopajo stranke v sodnem postopku ali ugotavljajo njihov pravni položaj, naj ne bi bili dolžni posredovati podatke, ki jih pridobijo pri opravljanju teh nalog, kakor je to sicer določeno v tej direktivi.

(22) It should be recognised that the risk of money laundering and terrorist financing is not the same in every case. In line with a risk-based approach, the principle should be introduced into Community legislation that simplified customer due diligence is allowed in appropriate cases.

(22) Treba je poudariti, da se tveganje pranja denarja in financiranja terorizma od primera do primera razlikuje. V skladu s pristopom, ki temelji na oceni tveganja, bi morali v zakonodajo Skupnosti vpeljati možnost, da se v nekaterih primerih dovoli poenostavljeno dolžnost skrbnosti pri ugotavljanju identitete stranke.

(23) The derogation concerning the identification of beneficial owners of pooled accounts held by notaries or other independent legal professionals should be without prejudice to the obligations that those notaries or other independent legal professionals have pursuant to this Directive. Those obligations include the need for such notaries or other independent legal professionals themselves to identify the beneficial owners of the pooled accounts held by them.

(23) Odstopanje v zvezi z identifikacijo dejanskega lastnika zbirnih računov, ki jih vodijo notarji ali neodvisni pravni strokovnjaki, ne posega v obveznosti, ki jih tem notarjem in drugim neodvisnim pravnim strokovnjakom nalaga ta direktiva. Te obveznosti vključujejo zahtevo, da notarji in neodvisni pravni strokovnjaki sami določijo identiteto dejanskega lastnika zbirnih računov, ki jih vodijo.

(24) Equally, Community legislation should recognise that certain situations present a greater risk of money laundering or terrorist financing. Although the identity and business profile of all customers should be established, there are cases where particularly rigorous customer identification and verification procedures are required.

(24) Zakonodaja Skupnosti bi morala predvideti, da nekatere situacije predstavljajo večje tveganje pranja denarja in financiranja terorizma. Kljub temu, da bi bilo treba ugotoviti identiteto in poslovni profil vseh strank, obstajajo primeri, glede katerih je treba zahtevati posebej stroge postopke identifikacije in preverjanja strank.

(25) This is particularly true of business relationships with individuals holding, or having held, important public positions, particularly those from countries where corruption is widespread. Such relationships may expose the financial sector in particular to significant reputational and/or legal risks. The international effort to combat corruption also justifies the need to pay special attention to such cases and to apply the complete normal customer due diligence measures in respect of domestic politically exposed persons or enhanced customer due diligence measures in respect of politically exposed persons residing in another Member State or in a third country.

(25) To še posebej velja za poslovne odnose s posamezniki, ki zavzemajo ali so zavzemali pomembne javne položaje, zlasti če prihajajo iz držav z visoko stopnjo korupcije. Takšni poslovni odnosi lahko v precejšnji meri ogrozijo ugled finančnega sektorja in/ali ga izpostavijo pravnemu tveganju. Mednarodna prizadevanja v boju zoper korupcijo opravičujejo, da se tem primerom posveti posebna pozornost in da se uporabijo ukrepi glede običajne dolžnosti skrbnosti pri ugotavljanju identitete stranke za domače politično izpostavljene osebe ali ukrepi glede poglobljene dolžnosti skrbnosti pri ugotavljanju identitete stranke za politično izpostavljene osebe, ki prebivajo v drugi državi članici ali tretji državi.

(26) Obtaining approval from senior management for establishing business relationships should not imply obtaining approval from the board of directors but from the immediate higher level of the hierarchy of the person seeking such approval.

(26) Pridobitev odobritve s strani višjega vodstva za vzpostavitev poslovnih odnosov ne pomeni pridobitve odobritve uprave, temveč gre za odobritev na neposredno višji hierarhični ravni, kot je oseba, ki je za odobritev zaprosila.

(27) In order to avoid repeated customer identification procedures, leading to delays and inefficiency in business, it is appropriate, subject to suitable safeguards, to allow customers to be introduced whose identification has been carried out elsewhere. Where an institution or person covered by this Directive relies on a third party, the ultimate responsibility for the customer due diligence procedure remains with the institution or person to whom the customer is introduced. The third party, or introducer, also retains his own responsibility for all the requirements in this Directive, including the requirement to report suspicious transactions and maintain records, to the extent that he has a relationship with the customer that is covered by this Directive.

(27) Da bi se izognili podvajanju postopkov identifikacije strank ter s tem zastojem in neučinkovitosti v poslovanju, je ob ustreznih zaščitnih ukrepih primerno sprejeti tudi stranke, ki so že bile identificirane drugje. Kadar se oseba ali ustanova, za katero velja ta direktiva, zanese na tretjo osebo, nosi dokončno odgovornost za uporabo postopka za ugotavljanje identitete stranke ustanova ali oseba, pri kateri je bila stranka sprejeta. Tudi tretja oseba, to je oseba, ki je stranko predstavila, je, dokler ima poslovni odnos s stranko, za katero velja ta direktiva, še nadalje odgovorna za izpolnjevanje obveznosti iz te direktive, vključno z obveznostjo prijave sumljivih transakcij in za hrambo zapiskov in dokazil.

(28) In the case of agency or outsourcing relationships on a contractual basis between institutions or persons covered by this Directive and external natural or legal persons not covered hereby, any anti-money laundering and anti-terrorist financing obligations for those agents or outsourcing service providers as part of the institutions or persons covered by this Directive, may only arise from contract and not from this Directive. The responsibility for complying with this Directive should remain with the institution or person covered hereby.

(28) V primerih zastopanja ali zunanjih izvajalcev, ki temeljijo na pogodbenem odnosu med ustanovami ali osebami, za katere velja ta direktiva, in zunanjimi fizičnimi ali pravnimi osebami, za katere ta direktiva ne velja, lahko kakršni koli obvezni finančni ukrepi proti pranju denarja in financiranju terorizma za te zastopnike in zunanje izvajalce kot dele ustanov ali oseb, za katere velja ta direktiva, izhajajo samo iz pogodbe in ne iz te direktive. Ustanova ali oseba, za katero ta direktiva velja, je še naprej odgovorna za izpolnjevanje zahtev iz te direktive.

(29) Suspicious transactions should be reported to the financial intelligence unit (FIU), which serves as a national centre for receiving, analysing and disseminating to the competent authorities suspicious transaction reports and other information regarding potential money laundering or terrorist financing. This should not compel Member States to change their existing reporting systems where the reporting is done through a public prosecutor or other law enforcement authorities, as long as the information is forwarded promptly and unfiltered to FIUs, allowing them to conduct their business properly, including international cooperation with other FIUs.

(29) Sumljive transakcije bi bilo treba sporočiti Finančni obveščevalni enoti (Financial intelligence unit - FIU), ki deluje kot centralni državni organ za sprejemanje, analiziranje in obveščanje pristojnih organov o poročilih sumljivih transakcij in drugih podatkih o morebitnem pranju denarja ali financiranju terorizma. To ne sili držav članic, da spremenijo svoje obstoječe sisteme obveščanja, kadar postopek prijave poteka preko državnega tožilstva ali drugih organov odkrivanja in pregona, če so podatki posredovani FIU nemudoma in neprečiščeni, da lahko ta svoje naloge opravi temeljito, kar vključuje tudi mednarodno sodelovanje z ostalimi FIU.

(30) By way of derogation from the general prohibition on executing suspicious transactions, the institutions and persons covered by this Directive may execute suspicious transactions before informing the competent authorities, where refraining from the execution thereof is impossible or likely to frustrate efforts to pursue the beneficiaries of a suspected money laundering or terrorist financing operation. This, however, should be without prejudice to the international obligations accepted by the Member States to freeze without delay funds or other assets of terrorists, terrorist organisations or those who finance terrorism, in accordance with the relevant United Nations Security Council resolutions.

(30) Z odstopanjem od splošne prepovedi izvrševanja sumljivih transakcij lahko ustanove in osebe, za katere velja ta direktiva, izvršijo sumljive transakcije, preden so o tem obveščeni pristojni organi, če neizvršitev ni mogoča ali bi lahko onemogočila pregon upravičenca sumljive transakcije pranja denarja ali financiranja terorizma. To pa ne bi smelo vplivati na mednarodne obveznosti, ki so jih prevzele države članice, da se finančna sredstva ali ostalo premoženje teroristov, terorističnih združenj ali tistih, ki financirajo terorizem, takoj zamrzne v skladu z zadevnimi resolucijami Varnostnega sveta Združenih narodov.

(31) Where a Member State decides to make use of the exemptions provided for in Article 23(2), it may allow or require the self-regulatory body representing the persons referred to therein not to transmit to the FIU any information obtained from those persons in the circumstances referred to in that Article.

(31) Če se država članica odloči uporabiti izjeme, predvidene v členu 23(2), lahko samoregulativnemu organu, ki zastopa osebe iz tega člena, dovoli oziroma od njega zahteva, da FIU ne posreduje nikakršnih podatkov, ki jih je pridobil od teh oseb v okoliščinah, navedenih v temu členu.

(32) There has been a number of cases of employees who report their suspicions of money laundering being subjected to threats or hostile action. Although this Directive cannot interfere with Member States' judicial procedures, this is a crucial issue for the effectiveness of the anti-money laundering and anti-terrorist financing system. Member States should be aware of this problem and should do whatever they can to protect employees from such threats or hostile action.

(32) Obstajajo primeri, da so bili zaposleni, ki so poročali o sumih pranja denarja, izpostavljeni grožnjam in drugim sovražnim dejanjem. Ta problematika je odločilnega pomena za učinkovitost sistemov boja proti pranju denarja in boja proti financiranju terorizma, četudi ta direktiva ne more posegati v sodne postopke držav članic. Države članice bi se morale tega problema zavedati in storiti vse v njihovi moči, da bi zaposlene zaščitile pred takšnimi grožnjami in drugimi sovražnimi dejanji.

(33) Disclosure of information as referred to in Article 28 should be in accordance with the rules on transfer of personal data to third countries as laid down in Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data [6]. Moreover, Article 28 cannot interfere with national data protection and professional secrecy legislation.

(33) Razkritje podatkov, kakor je določeno v členu 28, bi moralo biti v skladu s pravili o posredovanju osebnih podatkov tretjim državam, kakor so določena v Direktivi 95/46/ES Evropskega parlamenta in Sveta z dne 24. oktobra 1995 o varstvu posameznikov pri obdelavi osebnih podatkov in o prostem pretoku takih podatkov [6]. Hkrati člen 28 ne sme ovirati nacionalne zakonodaje o varstvu podatkov in poslovni skrivnosti.

(34) Persons who merely convert paper documents into electronic data and are acting under a contract with a credit institution or a financial institution do not fall within the scope of this Directive, nor does any natural or legal person that provides credit or financial institutions solely with a message or other support systems for transmitting funds or with clearing and settlement systems.

(34) Ta direktiva ne velja za osebe, ki zgolj spreminjajo dokumente v papirni obliki v elektronske podatke in imajo s kreditno ali finančno ustanovo v ta namen sklenjeno pogodbo, niti za katero koli fizično ali pravno osebo, ki kreditnim ali finančnim ustanovam zgolj zagotavlja sisteme sporočil, druge sisteme podpore za prenos sredstev ali klirinški sistem in sistem poravnave.

(35) Money laundering and terrorist financing are international problems and the effort to combat them should be global. Where Community credit and financial institutions have branches and subsidiaries located in third countries where the legislation in this area is deficient, they should, in order to avoid the application of very different standards within an institution or group of institutions, apply the Community standard or notify the competent authorities of the home Member State if this application is impossible.

(35) Pranje denarja in financiranje terorizma sta mednarodna problema, zato je potreben globalen pristop v boju proti njima. Da bi se izognili uporabi različnih standardov v ustanovah ali skupini ustanov, bi morale kreditne in finančne ustanove Skupnosti, ki imajo izpostave in podružnice v tretjih državah, kjer je zakonodaja na tem področju pomanjkljiva, uporabiti standarde Skupnosti oziroma obvestiti pristojne organe domače države članice, kadar ta uporaba ni mogoča.

(36) It is important that credit and financial institutions should be able to respond rapidly to requests for information on whether they maintain business relationships with named persons. For the purpose of identifying such business relationships in order to be able to provide that information quickly, credit and financial institutions should have effective systems in place which are commensurate with the size and nature of their business. In particular it would be appropriate for credit institutions and larger financial institutions to have electronic systems at their disposal. This provision is of particular importance in the context of procedures leading to measures such as the freezing or seizing of assets (including terrorist assets), pursuant to applicable national or Community legislation with a view to combating terrorism.

(36) Pomembno je, da so kreditne in finančne ustanove sposobne hitro posredovati podatke o morebitnih poslovnih odnosih z imenovanimi osebami. Za določitev takšnih poslovnih odnosov in hitro posredovanje zadevnih podatkov morajo finančne in kreditne ustanove razpolagati z učinkovitimi sistemi, ki ustrezajo obsegu in načinu poslovanja. Elektronski sistemi bi še posebej ustrezali kreditnim in večjim finančnim ustanovam. Ta določba je še zlasti pomembna v zvezi s postopki, ki povzročajo ukrepe, kot sta zamrznitev ali zaseg premoženjskih sredstev (vključno s premoženjem teroristov), ki so v skladu z zadevnimi nacionalnimi zakonodajami ali zakonodajo Skupnosti v zvezi z bojem proti terorizmu.

(37) This Directive establishes detailed rules for customer due diligence, including enhanced customer due diligence for high-risk customers or business relationships, such as appropriate procedures to determine whether a person is a politically exposed person, and certain additional, more detailed requirements, such as the existence of compliance management procedures and policies. All these requirements are to be met by each of the institutions and persons covered by this Directive, while Member States are expected to tailor the detailed implementation of those provisions to the particularities of the various professions and to the differences in scale and size of the institutions and persons covered by this Directive.

(37) Ta direktiva določa podrobna pravila za dolžnost skrbnosti pri ugotavljanju identitete strank, vključno z okrepljeno dolžnostjo skrbnosti pri ugotavljanju identitete strank ali poslovnih odnosov z velikim tveganjem, kot so na primer pravila za ustrezne postopke za ugotavljanje, ali je oseba politično izpostavljena, kot tudi za nekatere dodatne, bolj podrobne zahteve, kot na primer strategije in postopke zagotavljanja spoštovanja zadevnih predpisov. Vse ustanove in osebe, za katere velja ta direktiva, morajo izpolnjevati te zahteve, medtem ko se od držav članic pričakuje, da podrobnosti prenosa teh določb uskladijo s posebnostmi različnih poklicev in z razlikami v obsegu ustanov in oseb, za katere velja ta direktiva.

(38) In order to ensure that the institutions and others subject to Community legislation in this field remain committed, feedback should, where practicable, be made available to them on the usefulness and follow-up of the reports they present. To make this possible, and to be able to review the effectiveness of their systems to combat money laundering and terrorist financing Member States should keep and improve the relevant statistics.

(38) Da bi ustanove in ostali subjekti, za katere velja zakonodaja Skupnosti na tem področju, ostali motivirani, jim je treba, če je to mogoče, posredovati povratne informacije o koristnosti njihovih poročil in o nadaljnjem ukrepanju. Da bi lahko to omogočili in spremljali učinkovitost svojih sistemov boja proti pranju denarja in financiranju terorizma, morajo države članice zbirati in izboljšati ustrezne statistične podatke.

(39) When registering or licensing a currency exchange office, a trust and company service provider or a casino nationally, competent authorities should ensure that the persons who effectively direct or will direct the business of such entities and the beneficial owners of such entities are fit and proper persons. The criteria for determining whether or not a person is fit and proper should be established in conformity with national law. As a minimum, such criteria should reflect the need to protect such entities from being misused by their managers or beneficial owners for criminal purposes.

(39) Pri vpisu ali registraciji menjalnice, družbe, ki nudi podjetniške ali fiduciarne storitve, ali igralnice na nacionalni ravni morajo pristojni organi zagotoviti, da so osebe, ki dejansko vodijo posle takšnih ustanov ali jih bodo vodile, in dejanski lastniki takšnih ustanov primerne osebe. Merila, s katerimi se ugotovi, ali je oseba primerna, morajo biti določena v skladu z nacionalno zakonodajo. Ta merila morajo odražati najmanj nujnost, da se takšne ustanove zaščiti pred zlorabo v kriminalne namene s strani uprave ali dejanskega lastnika.

(40) Taking into account the international character of money laundering and terrorist financing, coordination and cooperation between FIUs as referred to in Council Decision 2000/642/JHA of 17 October 2000 concerning arrangements for cooperation between financial intelligence units of the Member States in respect of exchanging information [7], including the establishment of an EU FIU-net, should be encouraged to the greatest possible extent. To that end, the Commission should lend such assistance as may be needed to facilitate such coordination, including financial assistance.

(40) Zaradi mednarodnega značaja pranja denarja in financiranja terorizma je treba spodbujati v največjem možnem obsegu usklajevanje in sodelovanje med FIU-ji v skladu s Sklepom Sveta 2000/642/PNZ z dne 17. oktobra 2000 o dogovoru glede sodelovanja med enotami za finančni nadzor (FIU-ji) držav članic pri izmenjavi informacij [7], vključno z vzpostavitvijo mreže FIU-jev v EU. V ta namen mora Komisija ponuditi pomoč, ki je potrebna za lažje uresničevanje takšnega usklajevanja, vključno s finančno podporo.

(41) The importance of combating money laundering and terrorist financing should lead Member States to lay down effective, proportionate and dissuasive penalties in national law for failure to respect the national provisions adopted pursuant to this Directive. Provision should be made for penalties in respect of natural and legal persons. Since legal persons are often involved in complex money laundering or terrorist financing operations, sanctions should also be adjusted in line with the activity carried on by legal persons.

(41) Države članice morajo zaradi pomembnosti boja proti pranju denarja in financiranju terorizma v nacionalni zakonodaji sprejeti učinkovite, sorazmerne in odvračilne kazni za primere nespoštovanja nacionalnih določb, sprejetih na podlagi te direktive. Sprejeti bi bilo treba predpise glede kazni za fizične in pravne osebe. Ker so pravne osebe pogosto udeležene v kompleksnih operacijah pranja denarja ali financiranja terorizma, bi se morale kazni prilagoditi glede na dejavnosti pravnih oseb.

(42) Natural persons exercising any of the activities referred to in Article 2(1)(3)(a) and (b) within the structure of a legal person, but on an independent basis, should be independently responsible for compliance with the provisions of this Directive, with the exception of Article 35.

(42) Fizične osebe, ki v okviru pravne osebe, vendar samostojno, opravljajo dejavnosti iz člena 2(1)(3)(a) in (b), bi morale biti odgovorne za spoštovanje določb te direktive, z izjemo člena 35.

(43) Clarification of the technical aspects of the rules laid down in this Directive may be necessary to ensure an effective and sufficiently consistent implementation of this Directive, taking into account the different financial instruments, professions and risks in the different Member States and the technical developments in the fight against money laundering and terrorist financing. The Commission should accordingly be empowered to adopt implementing measures, such as certain criteria for identifying low and high risk situations in which simplified due diligence could suffice or enhanced due diligence would be appropriate, provided that they do not modify the essential elements of this Directive and provided that the Commission acts in accordance with the principles set out herein, after consulting the Committee on the Prevention of Money Laundering and Terrorist Financing.

(43) Za zagotovitev učinkovitega in doslednega izvajanja te direktive bi bilo treba pojasniti tehnične vidike pravil, določenih v tej direktivi, pri čemer se upošteva različne finančne instrumente, poklicne dejavnosti in tveganja v različnih državah članicah ter tehnični razvoj v boju proti pranju denarja in financiranju terorizma. V skladu s tem mora imeti Komisija pooblastila za sprejetje izvedbenih ukrepov, kot so nekatera merila za prepoznavanje razmer majhnega oziroma velikega tveganja, kjer bi lahko zadostovala poenostavljena dolžnost skrbnosti pri ugotavljanju identitete ali bi bila bolj primerna poglobljena dolžnost skrbnosti pri ugotavljanju identitete, pod pogojem, da ti ukrepi ne spreminjajo bistvenih elementov te direktive in da Komisija deluje v skladu z načeli, opredeljenimi v tej direktivi, po posvetovanju z Odborom za preprečevanje pranja denarja in financiranja terorizma.

(44) The measures necessary for the implementation of this Directive should be adopted in accordance with Council Decision 1999/468/EC of 28 June 1999 laying down the procedures for the exercise of implementing powers conferred on the Commission [8]. To that end a new Committee on the Prevention of Money Laundering and Terrorist Financing, replacing the Money Laundering Contact Committee set up by Directive 91/308/EEC, should be established.

(44) Ukrepe za izvajanje te direktive je potrebno sprejeti v skladu s Sklepom Sveta 1999/468/ES z dne 28. junija 1999 o določitvi postopkov za uresničevanje Komisiji podeljenih izvedbenih pooblastil [8]. V skladu s tem se ustanovi Odbor za preprečevanje pranja denarja in financiranja terorizma, ki nadomesti Kontaktni odbor za pranje denarja, ustanovljen z Direktivo 91/308/EGS.

(45) In view of the very substantial amendments that would need to be made to Directive 91/308/EEC, it should be repealed for reasons of clarity.

(45) Potrebne so bistvene spremembe Direktive 91/308/EGS, zato bi bilo treba navedeno direktivo zaradi večje jasnosti razveljaviti.

(46) Since the objective of this Directive, namely the prevention of the use of the financial system for the purpose of money laundering and terrorist financing, cannot be sufficiently achieved by the Member States and can therefore, by reason of the scale and effects of the action, be better achieved at Community level, the Community may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty. In accordance with the principle of proportionality, as set out in that Article, this Directive does not go beyond what is necessary in order to achieve that objective.

(46) Ker cilja te direktive, in sicer preprečevanje uporabe finančnega sistema za pranje denarja in financiranje terorizma, države članice ne morejo zadovoljivo doseči in ker ta cilj zaradi obsega in učinkov predlaganega ukrepa lažje doseže Skupnost, lahko Skupnost sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe. V skladu z načelom sorazmernosti iz tega člena ta direktiva ne prekoračuje okvirov, ki so potrebni za doseganje navedenega cilja.

(47) In exercising its implementing powers in accordance with this Directive, the Commission should respect the following principles: the need for high levels of transparency and consultation with institutions and persons covered by this Directive and with the European Parliament and the Council; the need to ensure that competent authorities will be able to ensure compliance with the rules consistently; the balance of costs and benefits to institutions and persons covered by this Directive on a long-term basis in any implementing measures; the need to respect the necessary flexibility in the application of the implementing measures in accordance with a risk-sensitive approach; the need to ensure coherence with other Community legislation in this area; the need to protect the Community, its Member States and their citizens from the consequences of money laundering and terrorist financing.

(47) Pri opravljanju svojih izvedbenih pooblastil v skladu s to direktivo bi morala Komisija upoštevati naslednja načela: nujnost visoke stopnje transparentnosti in posvetovanja z ustanovami in osebami, za katere velja ta direktiva, ter z Evropskim parlamentom in Svetom; nujnost zagotovitve, da so pristojni organi zmožni zagotoviti dosledno spoštovanje predpisov; nujnost dolgoročnega ohranjanja ravnovesja med stroški in koristmi pri izvedbenih ukrepih za ustanove in osebe, za katere velja ta direktiva; nujnost zagotavljanja potrebne prilagodljivosti pri uporabi izvedbenih ukrepov z upoštevanjem tveganja; nujnost zagotavljanja usklajenosti z drugimi predpisi Skupnosti na tem področju; nujnost, da se ščitijo Skupnost, njene države članice in njihovi državljani pred posledicami pranja denarja in financiranja terorizma.

(48) This Directive respects the fundamental rights and observes the principles recognised in particular by the Charter of Fundamental Rights of the European Union. Nothing in this Directive should be interpreted or implemented in a manner that is inconsistent with the European Convention on Human Rights,

(48) Ta direktiva spoštuje temeljne pravice in upošteva načela, priznana zlasti v Listini o temeljnih pravicah Evropske unije. Nobene določbe te direktive se ne sme razlagati ali izvajati na način, ki ni združljiv z Evropsko konvencijo o človekovih pravicah –

HAVE ADOPTED THIS DIRECTIVE:

SPREJELA NASLEDNJO DIREKTIVO:

CHAPTER I

POGLAVJE I

SUBJECT MATTER, SCOPE AND DEFINITIONS

PREDMET UREJANJA, PODROČJE UPORABE IN OPREDELITEV POJMOV

Article 1

Člen 1

1. Member States shall ensure that money laundering and terrorist financing are prohibited.

1. Države članice zagotovijo, da sta pranje denarja in financiranje terorizma prepovedana.

2. For the purposes of this Directive, the following conduct, when committed intentionally, shall be regarded as money laundering:

2. V tej direktivi pomeni pranje denarja naslednje ravnanje, če je storjeno naklepno:

(a) the conversion or transfer of property, knowing that such property is derived from criminal activity or from an act of participation in such activity, for the purpose of concealing or disguising the illicit origin of the property or of assisting any person who is involved in the commission of such activity to evade the legal consequences of his action;

(a) preoblikovanje ali prenos premoženja, vedoč, da to premoženje izvira iz kaznivega dejanja ali udeležbe v takem dejanju, z namenom utaje ali prikrivanja nezakonitega izvora premoženja ali pomoči osebi, ki je vpletena v storitev tega dejanja, da bi se izognila pravnim posledicam svojega dejanja;

(b) the concealment or disguise of the true nature, source, location, disposition, movement, rights with respect to, or ownership of property, knowing that such property is derived from criminal activity or from an act of participation in such activity;

(b) utaja ali prikrivanje prave narave, vira, kraja, razpolaganja ali pretoka premoženja ali pa pravic ali lastništva na premoženju, vedoč, da to premoženje izvira iz kaznivega dejanja ali udeležbe pri takem dejanju;

(c) the acquisition, possession or use of property, knowing, at the time of receipt, that such property was derived from criminal activity or from an act of participation in such activity;

(c) pridobitev, lastništvo ali uporaba premoženja, vedoč v času prejema, da to premoženje izvira iz kaznivega dejanja ali udeležbe pri takem dejanju;

(d) participation in, association to commit, attempts to commit and aiding, abetting, facilitating and counselling the commission of any of the actions mentioned in the foregoing points.

(d) udeležba, združevanje za izvrševanje, poskus storitve, pomoč, napeljevanje ter omogočanje in svetovanje pri storitvi katerega koli dejanja iz prejšnjih točk.

3. Money laundering shall be regarded as such even where the activities which generated the property to be laundered were carried out in the territory of another Member State or in that of a third country.

3. Kot pranje denarja se štejejo tudi kazniva dejanja, iz katerih izvira premoženje, namenjeno pranju, ki so storjena na območju druge države članice ali tretje države.

4. For the purposes of this Directive, "terrorist financing" means the provision or collection of funds, by any means, directly or indirectly, with the intention that they should be used or in the knowledge that they are to be used, in full or in part, in order to carry out any of the offences within the meaning of Articles 1 to 4 of Council Framework Decision 2002/475/JHA of 13 June 2002 on combating terrorism [9].

4. V tej direktivi pomeni "financiranje terorizma" zagotavljanje ali zbiranje finančnih sredstev, ne glede na način, neposredno ali posredno, z namenom ali vedoč, da bodo delno ali v celoti uporabljena za storitev enega od kaznivih dejanj v smislu členov 1 do 4 Okvirnega sklepa Sveta 2002/475/PNZ z dne 13. junija 2002 o boju proti terorizmu [9].

5. Knowledge, intent or purpose required as an element of the activities mentioned in paragraphs 2 and 4 may be inferred from objective factual circumstances.

5. O vedenju, naklepu ali namenu kot potrebnem elementu dejanj, navedenih v odstavkih 2 in 4, je mogoče sklepati iz objektivnih dejanskih okoliščin.

Article 2

Člen 2

1. This Directive shall apply to:

1. Ta direktiva se uporablja za:

(1) credit institutions;

1. kreditne ustanove;

(2) financial institutions;

2. finančne ustanove;

(3) the following legal or natural persons acting in the exercise of their professional activities:

3. naslednje pravne ali fizične osebe pri izvajanju njihovih poklicnih dejavnosti:

(a) auditors, external accountants and tax advisors;

(a) revizorje, zunanje računovodje in davčne svetovalce;

(b) notaries and other independent legal professionals, when they participate, whether by acting on behalf of and for their client in any financial or real estate transaction, or by assisting in the planning or execution of transactions for their client concerning the:

(b) notarje in ostale neodvisne pravne strokovnjake, kadar v imenu in za svojo stranko sodelujejo pri kakršni koli finančni ali nepremičninski transakciji ali kadar svojim strankam pomagajo pri načrtovanju ali opravljanju transakcij v zvezi z:

(i) buying and selling of real property or business entities;

(i) nakupom ali prodajo nepremičnin ali poslovnih subjektov;

(ii) managing of client money, securities or other assets;

(ii) upravljanjem z denarjem stranke, vrednostnimi papirji ali drugim premoženjem;

(iii) opening or management of bank, savings or securities accounts;

(iii) odpiranjem ali upravljanjem z bančnimi, varčevalnimi računi ali računi vrednostnih papirjev;

(iv) organisation of contributions necessary for the creation, operation or management of companies;

(iv) urejanjem prispevkov, potrebnih za ustanovitev, delovanje ali upravljanje podjetij;

(v) creation, operation or management of trusts, companies or similar structures;

(v) ustanavljanjem, delovanjem ali upravljanjem skladov, družb ali podobnih organizacij;

(d) real estate agents;

(d) nepremičninske zastopnike;

(e) other natural or legal persons trading in goods, only to the extent that payments are made in cash in an amount of EUR 15000 or more, whether the transaction is executed in a single operation or in several operations which appear to be linked;

(e) druge pravne ali fizične osebe, ki trgujejo z blagom, če so plačila v gotovini in znašajo 15000 EUR ali več, bodisi da gre za posamično transakcijo ali za več več medsebojno povezanih transakcij;

(f) casinos.

(f) igralnice.

2. Member States may decide that legal and natural persons who engage in a financial activity on an occasional or very limited basis and where there is little risk of money laundering or terrorist financing occurring do not fall within the scope of Article 3(1) or (2).

2. Države članice lahko odločijo, da pravne in fizične osebe, ki le občasno ali v omejenem obsegu sodelujejo pri finančnih dejavnostih in pri katerih obstaja majhno tveganje pranja denarja ali financiranja terorizma, niso zajete v področje uporabe člena 3(1) ali (2).

Article 3

Člen 3

For the purposes of this Directive the following definitions shall apply:

V tej direktivi se uporabljajo naslednje opredelitve pojmov:

(1) "credit institution" means a credit institution, as defined in the first subparagraph of Article 1(1) of Directive 2000/12/EC of the European Parliament and of the Council of 20 March 2000 relating to the taking up and pursuit of the business of credit institutions [10], including branches within the meaning of Article 1(3) of that Directive located in the Community of credit institutions having their head offices inside or outside the Community;

1. "kreditna ustanova" pomeni kreditno ustanovo, kakor je opredeljena v prvem pododstavku člena 1(1) Direktive 2000/12/ES Evropskega parlamenta in Sveta z dne 20. marca 2000 o začetku opravljanja in opravljanju dejavnosti kreditnih institucij [10], vključno s podružnicami v smislu člena 1(3) navedene direktive, ki se nahajajo na ozemlju Skupnosti in imajo sedež znotraj ali zunaj Skupnosti;

(2) "financial institution" means:

2. "finančna ustanova" pomeni:

(a) an undertaking other than a credit institution which carries out one or more of the operations included in points 2 to 12 and 14 of Annex I to Directive 2000/12/EC, including the activities of currency exchange offices (bureaux de change) and of money transmission or remittance offices;

(a) podjetje, ki ni kreditna ustanova, ki opravlja eno ali več dejavnosti, vključenih v točke 2 do 12 in v točko 14 Priloge I k Direktivi 2000/12/ES, vključno z menjalnicami (bureaux de change) in organizacijami za posredovanje denarja ter storitve v plačilnem prometu;

(b) an insurance company duly authorised in accordance with Directive 2002/83/EC of the European Parliament and of the Council of 5 November 2002 concerning life assurance [11], insofar as it carries out activities covered by that Directive;

(b) zavarovalniško družbo, pooblaščeno v skladu z Direktivo 2002/83/ES Evropskega parlamenta in Sveta z dne 5. novembra 2002 o življenjskem zavarovanju [11], kolikor izvaja dejavnosti, za katere velja navedena direktiva;

(c) an investment firm as defined in point 1 of Article 4(1) of Directive 2004/39/EC of the European Parliament and of the Council of 21 April 2004 on markets in financial instruments [12];

(c) investicijsko podjetje, kakor je opredeljeno v točki 1 člena 4(1) Direktive 2004/39/ES Evropskega parlamenta in Sveta z dne 21. aprila 2004 o trgih finančnih instrumentov [12];

(d) a collective investment undertaking marketing its units or shares;

(d) kolektivno naložbeno podjetje, ki trži svoje enote ali delnice;

(e) an insurance intermediary as defined in Article 2(5) of Directive 2002/92/EC of the European Parliament and of the Council of 9 December 2002 on insurance mediation [13], with the exception of intermediaries as mentioned in Article 2(7) of that Directive, when they act in respect of life insurance and other investment related services;

(e) zavarovalnega posrednika, kakor je opredeljen v členu 2(5) Direktive 2002/92/ES Evropskega parlamenta in Sveta z dne 9. decembra 2002 o zavarovalnem posredovanju [13], razen zavarovalnega posrednika pri sklepanju življenjskega zavarovanja in drugih naložbenih zavarovanj iz člena 2(7) navedene direktive;

(f) branches, when located in the Community, of financial institutions as referred to in points (a) to (e), whose head offices are inside or outside the Community;

(f) podružnice, če se nahajajo v Skupnosti, finančnih ustanov iz točk (a) do (e), ki imajo sedež znotraj ali zunaj Skupnosti;

(3) "property" means assets of every kind, whether corporeal or incorporeal, movable or immovable, tangible or intangible, and legal documents or instruments in any form including electronic or digital, evidencing title to or an interest in such assets;

3. "premoženje" pomeni kakršna koli sredstva, bodisi materialna bodisi nematerialna, premičnine ali nepremičnine, opredmetena ali neopredmetena ter pravne listine ali instrumente v kakršni koli obliki, tudi elektronski ali digitalni, ki dokazujejo lastništvo ali delež v teh sredstvih;

(4) "criminal activity" means any kind of criminal involvement in the commission of a serious crime;

4. "kriminalna dejavnost" pomeni vsako udeležbo pri storitvi hudega kaznivega dejanja;

(5) "serious crimes" means, at least:

5. "hudo kaznivo dejanje" pomeni najmanj:

(a) acts as defined in Articles 1 to 4 of Framework Decision 2002/475/JHA;

(a) dejanje, kakor je opredeljeno v členih 1 do 4 Okvirnega sklepa 2002/475/PNZ;

(b) any of the offences defined in Article 3(1)(a) of the 1988 United Nations Convention against Illicit Traffic in Narcotic Drugs and Psychotropic Substances;

(b) vsako kaznivo dejanje, opredeljeno v členu 3(1)(a) Konvencije Združenih narodov proti nezakonitem prometu z nedovoljenimi drogami in psihotropnimi snovmi iz leta 1988;

(c) the activities of criminal organisations as defined in Article 1 of Council Joint Action 98/733/JHA of 21 December 1998 on making it a criminal offence to participate in a criminal organisation in the Member States of the European Union [14];

(c) dejavnosti kriminalnih organizacij, kakor so opredeljene v členu 1 Skupnega ukrepa Sveta 98/733/PNZ z dne 21. decembra 1998 o kaznivosti udeležbe v hudodelski združbi v državah članicah Evropske unije [14];

(d) fraud, at least serious, as defined in Article 1(1) and Article 2 of the Convention on the Protection of the European Communities' Financial Interests [15];

(d) goljufijo, vsaj težjo, kakor je opredeljena v členih 1(1) in 2 Konvencije o zaščiti finančnih interesov Evropskih skupnosti [15];

(e) corruption;

(e) korupcijo;

(f) all offences which are punishable by deprivation of liberty or a detention order for a maximum of more than one year or, as regards those States which have a minimum threshold for offences in their legal system, all offences punishable by deprivation of liberty or a detention order for a minimum of more than six months;

(f) vsa kazniva dejanja, ki se kaznujejo z odvzemom prostosti ali varnostnim ali vzgojnim ukrepom v trajanju več kot eno leto, ali v primeru držav, katerih pravni sistem vsebuje minimalni prag za kazniva dejanja, vsa kazniva dejanja, ki se kaznujejo z odvzemom prostosti ali varnostnim ali vzgojnim ukrepom v trajanju najmanj šest mesecev;

(6) "beneficial owner" means the natural person(s) who ultimately owns or controls the customer and/or the natural person on whose behalf a transaction or activity is being conducted. The beneficial owner shall at least include:

6. "dejanski lastnik" pomeni fizično osebo(-e), ki poseduje(-jo) ali nadzira(-jo) stranko in/ali fizično osebo, v imenu katere se izvaja transakcija ali opravlja dejavnost. Dejanski lastnik zajema vsaj:

(a) in the case of corporate entities:

(a) za gospodarske subjekte:

(i) the natural person(s) who ultimately owns or controls a legal entity through direct or indirect ownership or control over a sufficient percentage of the shares or voting rights in that legal entity, including through bearer share holdings, other than a company listed on a regulated market that is subject to disclosure requirements consistent with Community legislation or subject to equivalent international standards; a percentage of 25 % plus one share shall be deemed sufficient to meet this criterion;

(i) fizično(-e) osebo (-e), ki poseduje(-jo) ali nadzira(-jo) pravni subjekt preko posrednega ali neposrednega lastništva ali nadzora zadostnega deleža delnic ali glasovalnih pravic pravnega subjekta, vključno z udeležbo v obliki imetniških delnic, ki ne predstavlja družbe na organiziranem trgu, ki mora v skladu z zakonodajo Skupnosti ali primerljivim mednarodnim standardom spoštovati zahtevo po razkritju; za izpolnitev tega merila zadostuje 25 % delež in ena delnica;

(ii) the natural person(s) who otherwise exercises control over the management of a legal entity:

(ii) fizično(-e) osebo(-e), ki drugače izvaja(-jo) nadzor nad vodstvom pravne osebe;

(b) in the case of legal entities, such as foundations, and legal arrangements, such as trusts, which administer and distribute funds:

(b) v primeru pravnih subjektov, na primer ustanov, ali pravnih organizacij, na primer skladov, ki upravljajo ali razdeljujejo sredstva:

(i) where the future beneficiaries have already been determined, the natural person(s) who is the beneficiary of 25 % or more of the property of a legal arrangement or entity;

(i) če so bodoči upravičenci že bili določeni, fizično(-e) osebo(-e), ki je (so) prejemnik koristi 25 % ali več premoženja pravne organizacije ali pravnega subjekta;

(ii) where the individuals that benefit from the legal arrangement or entity have yet to be determined, the class of persons in whose main interest the legal arrangement or entity is set up or operates;

(ii) če je treba posameznike, ki imajo koristi od pravne organizacije ali subjekta, še določiti, kategorijo oseb, v interesu katerih je ustanovitev in delovanje pravne organizacije ali subjekta;

(iii) the natural person(s) who exercises control over 25 % or more of the property of a legal arrangement or entity;

(iii) fizično(-e) osebo(-e), ki ima(-jo) nadzor nad 25 % ali več premoženja pravne organizacije ali pravnega subjekta;

(7) "trust and company service providers" means any natural or legal person which by way of business provides any of the following services to third parties:

7. "družba, ki nudi podjetniške in fiduciarne storitve" pomeni vsako fizično ali pravno osebo, ki za tretje osebe poslovno opravlja katero izmed naslednjih storitev:

(a) forming companies or other legal persons;

(a) ustanavlja družbe ali druge pravne osebe;

(b) acting as or arranging for another person to act as a director or secretary of a company, a partner of a partnership, or a similar position in relation to other legal persons;

(b) opravlja vlogo ali drugi osebi omogoča, da opravlja vlogo direktorja ali poslovodje podjetja, partnerja v partnerstvu ali podobnega položaja v odnosu do drugih pravnih oseb;

(c) providing a registered office, business address, correspondence or administrative address and other related services for a company, a partnership or any other legal person or arrangement;

(c) podjetju, partnerstvu ali drugi pravni osebi ali organizaciji nudi registriran sedež, poslovni naslov, dopisni ali upravni naslov in druge s tem povezane storitve;

(d) acting as or arranging for another person to act as a trustee of an express trust or a similar legal arrangement;

(d) opravlja vlogo ali drugi osebi omogoča, da opravlja vlogo skrbnika sklada ali podobne pravne ureditve;

(e) acting as or arranging for another person to act as a nominee shareholder for another person other than a company listed on a regulated market that is subject to disclosure requirements in conformity with Community legislation or subject to equivalent international standards;

(e) opravlja vlogo ali drugi osebi omogoča, da opravlja vlogo zastopnika v imenu drugega delničarja, razen družb, ki so uvrščene na urejen trg in morajo v skladu z zakonodajo Skupnosti ali primerljivim mednarodnim standardom spoštovati zahtevo po razkritju;

(8) "politically exposed persons" means natural persons who are or have been entrusted with prominent public functions and immediate family members, or persons known to be close associates, of such persons;

8. "politično izpostavljena oseba" pomeni fizično osebo, ki deluje ali je delovala na vidnem javnem položaju, in njene ožje družinske člane ali osebe, za katere je znano, da so ožji sodelavci takšne osebe;

(9) "business relationship" means a business, professional or commercial relationship which is connected with the professional activities of the institutions and persons covered by this Directive and which is expected, at the time when the contact is established, to have an element of duration;

9. "poslovni odnos" pomeni poslovni, poklicni ali trgovinski odnos, ki je povezan s poklicnimi dejavnostmi institucij in oseb, za katere velja ta direktiva, in za katerega se ob vzpostavitvi stikov predvideva, da bo trajal;

(10) "shell bank" means a credit institution, or an institution engaged in equivalent activities, incorporated in a jurisdiction in which it has no physical presence, involving meaningful mind and management, and which is unaffiliated with a regulated financial group.

10. "navidezna banka" pomeni kreditno ustanovo ali ustanovo, ki opravlja enakovredne dejavnosti, ki je bila ustanovljena v okviru jurisdikcije, v kateri ni fizično prisotna, da bi se zagotovilo resnično vodstvo in upravo, in ki ni povezana z regulirano finančno skupino.

Article 4

Člen 4

1. Member States shall ensure that the provisions of this Directive are extended in whole or in part to professions and to categories of undertakings, other than the institutions and persons referred to in Article 2(1), which engage in activities which are particularly likely to be used for money laundering or terrorist financing purposes.

1. Države članice zagotovijo, da določbe te direktive v celoti ali delno zajemajo poklice in vrste podjetij, ki niso ustanove in osebe iz člena 2(1), vendar pa opravljajo dejavnosti, za katere obstaja velika verjetnost, da bodo zlorabljene za pranje denarja in financiranje terorizma.

2. Where a Member State decides to extend the provisions of this Directive to professions and to categories of undertakings other than those referred to in Article 2(1), it shall inform the Commission thereof.

2. Če država članica odloči, da se določbe te direktive uporabljajo za poklice in vrste podjetij, ki niso navedeni v členu 2(1), o tem obvesti Komisijo.

Article 5

Člen 5

The Member States may adopt or retain in force stricter provisions in the field covered by this Directive to prevent money laundering and terrorist financing.

Države članice lahko na področju, ki ga ureja ta direktiva, za preprečevanje pranja denarja in financiranja terorizma sprejmejo ali obdržijo v veljavi strožje predpise.

CHAPTER II

POGLAVJE II

CUSTOMER DUE DILIGENCE

DOLŽNOST SKRBNOSTI PRI UGOTAVLJANJU IDENTITETE STRANKE

SECTION 1

ODDELEK 1

General provisions

Splošne določbe

Article 6

Člen 6

Member States shall prohibit their credit and financial institutions from keeping anonymous accounts or anonymous passbooks. By way of derogation from Article 9(6), Member States shall in all cases require that the owners and beneficiaries of existing anonymous accounts or anonymous passbooks be made the subject of customer due diligence measures as soon as possible and in any event before such accounts or passbooks are used in any way.

Države članice svojim kreditnim in finančnim ustanovam prepovejo vodenje anonimnih računov ali anonimnih bančnih kreditnih knjižic. Z odstopanjem od člena 9(6) države članice določijo, da v vseh primerih za imetnike in koristnike obstoječih anonimnih bančnih računov ali anonimnih bančnih hranilnih knjižic čim prej, najpozneje pa pred kakršno koli uporabo bančnih računov ali bančnih hranilnih knjižic, veljajo ukrepi glede dolžnosti skrbnosti pri ugotavljanju identitete stranke.

Article 7

Člen 7

The institutions and persons covered by this Directive shall apply customer due diligence measures in the following cases:

Ustanove in osebe, za katere velja ta direktiva, morajo upoštevati ukrepe glede dolžnosti skrbnosti pri ugotavljanju identitete strank v naslednjih primerih:

(a) when establishing a business relationship;

(a) ob sklepanju poslovnega odnosa;

(b) when carrying out occasional transactions amounting to EUR 15000 or more, whether the transaction is carried out in a single operation or in several operations which appear to be linked;

(b) kadar opravljajo občasne transakcije, ki znašajo 15000 EUR ali več, bodisi da transakcija poteka posamično bodisi z večimi transakcijami, ki se zdijo povezane;

(c) when there is a suspicion of money laundering or terrorist financing, regardless of any derogation, exemption or threshold;

(c) kadar obstaja sum pranja denarja ali financiranja terorizma, ne glede na kakršno koli odstopanje, izjemo ali določene mejne vrednosti;

(d) when there are doubts about the veracity or adequacy of previously obtained customer identification data.

(d) v primeru dvoma v verodostojnost in ustreznost predhodno pridobljenih podatkov o identifikaciji stranke.

Article 8

Člen 8

1. Customer due diligence measures shall comprise:

1. Dolžnost skrbnosti pri ugotavljanju identitete stranke vključuje:

(a) identifying the customer and verifying the customer's identity on the basis of documents, data or information obtained from a reliable and independent source;

(a) identifikacijo stranke in preverjanje njene identitete na podlagi dokumentov, podatkov ali informacij, pridobljenih od zanesljivega in neodvisnega vira;

(b) identifying, where applicable, the beneficial owner and taking risk-based and adequate measures to verify his identity so that the institution or person covered by this Directive is satisfied that it knows who the beneficial owner is, including, as regards legal persons, trusts and similar legal arrangements, taking risk-based and adequate measures to understand the ownership and control structure of the customer;

(b) kjer je mogoče, identifikacijo dejanskega lastnika in sprejetje ukrepov za oceno tveganja in primernih ukrepov, ki so potrebni za potrditev njegove identitete, tako da ustanova ali oseba, za katero velja ta direktiva, zagotovo ve, kdo je dejanski lastnik, vključno s tem, da se za pravne osebe, sklade in podobne pravne ureditve zagotovijo ukrepi za oceno tveganja in primerni ukrepi za poznavanje lastništva in strukture stranke;

(d) conducting ongoing monitoring of the business relationship including scrutiny of transactions undertaken throughout the course of that relationship to ensure that the transactions being conducted are consistent with the institution's or person's knowledge of the customer, the business and risk profile, including, where necessary, the source of funds and ensuring that the documents, data or information held are kept up-to-date.

(d) nenehno spremljanje poslovnih odnosov, vključno s pregledovanjem in spremljanjem transakcij, ki se izvajajo v času odnosa, s čimer se zagotovi, da so opravljene transakcije v skladu s poznavanjem institucije ali osebe svoje stranke, poslovnega profila in profila tveganj, vključno s poznavanjem izvora sredstev, in se zagotovi, da so listine, podatki oziroma informacije redno posodobljene.

2. The institutions and persons covered by this Directive shall apply each of the customer due diligence requirements set out in paragraph 1, but may determine the extent of such measures on a risk-sensitive basis depending on the type of customer, business relationship, product or transaction. The institutions and persons covered by this Directive shall be able to demonstrate to the competent authorities mentioned in Article 37, including self-regulatory bodies, that the extent of the measures is appropriate in view of the risks of money laundering and terrorist financing.

2. Ustanove in osebe, za katere velja ta direktiva, izvajajo zahteve glede dolžnosti skrbnosti pri ugotavljanju identitete strank iz odstavka 1, vendar lahko v skladu z oceno tveganja, ki je odvisna od vrste stranke, poslovnega odnosa, produkta ali transakcije, same določijo obseg potrebnih ukrepov. Ustanove in osebe, za katere velja ta direktiva, dokažejo pristojnim organom iz člena 37, vključno s samoregulativnimi organi, da je obseg ukrepov ob upoštevanju tveganj pranja denarja in financiranja terorizma primeren.

Article 9

Člen 9

1. Member States shall require that the verification of the identity of the customer and the beneficial owner takes place before the establishment of a business relationship or the carrying-out of the transaction.

1. Države članice zahtevajo, da se preverjanje identitete stranke in dejanskega lastnika izvede pred sklenitvijo poslovnega odnosa ali izvedbo transakcije.

2. By way of derogation from paragraph 1, Member States may allow the verification of the identity of the customer and the beneficial owner to be completed during the establishment of a business relationship if this is necessary not to interrupt the normal conduct of business and where there is little risk of money laundering or terrorist financing occurring. In such situations these procedures shall be completed as soon as practicable after the initial contact.

2. Z odstopanjem od odstavka 1 države članice dovolijo, da se preverjanje identitete strank in dejanskih lastnikov izvede med sklepanjem poslovnega odnosa, če se izkaže, da je to potrebno, da se ne prekine običajno poslovanje, in če obstaja neznatno tveganje glede pranja denarja ali financiranja terorizma. V tem primeru se zadevni postopki zaključijo kar najhitreje po prvem stiku.

3. By way of derogation from paragraphs 1 and 2, Member States may, in relation to life insurance business, allow the verification of the identity of the beneficiary under the policy to take place after the business relationship has been established. In that case, verification shall take place at or before the time of payout or at or before the time the beneficiary intends to exercise rights vested under the policy.

3. Z odstopanjem od odstavkov 1 in 2 države članice v zvezi s posli življenjskega zavarovanja dovolijo, da se preverjanje identitete upravičencev po polici izvede šele po sklenitvi poslovnega odnosa. V tem primeru se preverjanje izvede v času izplačila ali pred njim ali pa v času, ko ima upravičenec po polici namen uveljavljati pravice iz police, ali pred njim.

4. By way of derogation from paragraphs 1 and 2, Member States may allow the opening of a bank account provided that there are adequate safeguards in place to ensure that transactions are not carried out by the customer or on its behalf until full compliance with the aforementioned provisions is obtained.

4. Z odstopanjem od odstavkov 1 in 2 države članice lahko dovolijo odprtje bančnega računa, če so vzpostavljena ustrezna varovala, ki zagotavljajo, da transakcij ne opravlja stranka in da se te ne opravljajo v njenem imenu, dokler ni dosežena popolna skladnost s prej navedenimi določbami.

5. Member States shall require that, where the institution or person concerned is unable to comply with points (a), (b) and (c) of Article 8(1), it may not carry out a transaction through a bank account, establish a business relationship or carry out the transaction, or shall terminate the business relationship, and shall consider making a report to the financial intelligence unit (FIU) in accordance with Article 22 in relation to the customer.

5. Države članice zahtevajo, da zadevna ustanova ali oseba, ki ne more zagotoviti skladnosti s točkami (a) (b) in (c) člena 8(1), ne sme opravljati transakcij prek bančnih računov, odpreti računa, skleniti poslovnega odnosa ali opraviti transakcije ali pa mora prekiniti poslovni odnos in FIU podati poročilo o stranki v skladu s členom 22.

Member States shall not be obliged to apply the previous subparagraph in situations when notaries, independent legal professionals, auditors, external accountants and tax advisors are in the course of ascertaining the legal position for their client or performing their task of defending or representing that client in, or concerning judicial proceedings, including advice on instituting or avoiding proceedings.

Države članice niso dolžne uporabljati prejšnjega pododstavka takrat, ko notarji, neodvisni pravni strokovnjaki, revizorji, zunanji računovodje in davčni svetovalci ugotavljajo pravni položaj za svojo stranko ali ko branijo ali zastopajo to stranko v ali v zvezi s sodnim postopkom, vključno s svetovanjem o sprožitvi postopka ali njegovem izogibanju.

6. Member States shall require that institutions and persons covered by this Directive apply the customer due diligence procedures not only to all new customers but also at appropriate times to existing customers on a risk-sensitive basis.

6. Države članice od ustanov in oseb, za katere velja ta direktiva, zahtevajo dolžnost skrbnosti pri ugotavljanju identitete tako novih kot tudi, kadar je to potrebno, obstoječih strank na osnovi ocene tveganja.

Article 10

Člen 10

1. Member States shall require that all casino customers be identified and their identity verified if they purchase or exchange gambling chips with a value of EUR 2000 or more.

1. Države članice zahtevajo identifikacijo vseh gostov v igralnicah, njihovo identiteto pa je treba preveriti, če kupijo ali zamenjajo igralne žetone v vrednosti 2000 EUR ali več.

2. Casinos subject to State supervision shall be deemed in any event to have satisfied the customer due diligence requirements if they register, identify and verify the identity of their customers immediately on or before entry, regardless of the amount of gambling chips purchased.

2. Igralnice pod državnim nadzorom izpolnjujejo zahteve glede dolžnosti skrbnosti pri ugotavljanju identitete strank, če vodijo evidenco o svojih strankah, jih identificirajo in preverjajo njihovo identiteto pred ali takoj ob prihodu, ne glede na vsoto kupljenih igralnih žetonov.

SECTION 2

ODDELEK 2

Simplified customer due diligence

Poenostavljena dolžnost skrbnosti pri ugotavljanju identitete stranke

Article 11

Člen 11

1. By way of derogation from Articles 7(a), (b) and (d), 8 and 9(1), the institutions and persons covered by this Directive shall not be subject to the requirements provided for in those Articles where the customer is a credit or financial institution covered by this Directive, or a credit or financial institution situated in a third country which imposes requirements equivalent to those laid down in this Directive and supervised for compliance with those requirements.

1. Z odstopanjem od členov 7(a), (b) in (d), 8 in 9(1) zahteve teh členov ne veljajo za ustanove in osebe, za katere velja ta direktiva, če je stranka kreditna ali finančna ustanova, za katero velja ta direktiva, ali pa kreditna ali finančna ustanova s sedežem v tretji državi, ki nalaga enake zahteve, kakor so predvidene v tej direktivi, in preverja izpolnjevanje teh zahtev.

2. By way of derogation from Articles 7(a), (b) and (d), 8 and 9(1) Member States may allow the institutions and persons covered by this Directive not to apply customer due diligence in respect of:

2. Z odstopanjem od členov 7(a), (b) in (d), 8 in 9(1) lahko države članice ustanovam in osebam, za katere velja ta direktiva, dovolijo neupoštevanje dolžnosti skrbnosti pri ugotavljanju identitete naslednjih strank:

(a) listed companies whose securities are admitted to trading on a regulated market within the meaning of Directive 2004/39/EC in one or more Member States and listed companies from third countries which are subject to disclosure requirements consistent with Community legislation;

(a) družb, ki kotirajo na borzi, katerih vrednostni papirji so sprejeti v trgovanje na urejenem trgu v eni ali več državah članicah v smislu Direktive 2004/39/ES, in družb, ki kotirajo na borzi, iz tretjih držav, za katere veljajo zahteve po razkritju, ki so skladne z zakonodajo Skupnosti;

(b) beneficial owners of pooled accounts held by notaries and other independent legal professionals from the Member States, or from third countries provided that they are subject to requirements to combat money laundering or terrorist financing consistent with international standards and are supervised for compliance with those requirements and provided that the information on the identity of the beneficial owner is available, on request, to the institutions that act as depository institutions for the pooled accounts;

(b) dejanskih lastnikov skupnih računov, ki jih vodijo notarji in neodvisni pravni strokovnjaki iz držav članic ali iz tretjih držav, pod pogojem, da za njih veljajo zahteve boja proti pranju denarja ali financiranju terorizma v skladu z mednarodnimi standardi in so nadzorovani glede spoštovanja teh zahtev ter če so ustanovam, ki delujejo kot skrbniki skupnih računov, na zahtevo na voljo podatki o identiteti dejanskega lastnika;

or in respect of any other customer representing a low risk of money laundering or terrorist financing which meets the technical criteria established in accordance with Article 40(1)(b).

ali v zvezi z drugimi strankami, pri katerih je le neznatno tveganje pranja denarja ali financiranja terorizma in ki izpolnjujejo tehnična merila, določena v skladu s členom 40(1)(b).

3. In the cases mentioned in paragraphs 1 and 2, institutions and persons covered by this Directive shall in any case gather sufficient information to establish if the customer qualifies for an exemption as mentioned in these paragraphs.

3. V primerih iz odstavkov 1 in 2 zberejo ustanove in osebe, za katere velja ta direktiva, v vsakem primeru zadostne informacije, da lahko ugotovijo, ali se za stranko lahko uporabi izjema iz navedenih odstavkov.

4. The Member States shall inform each other and the Commission of cases where they consider that a third country meets the conditions laid down in paragraphs 1 or 2 or in other situations which meet the technical criteria established in accordance with Article 40(1)(b).

4. Države članice se obveščajo med seboj in Komisijo, če po njihovem mnenju tretja država izpolnjuje pogoje iz odstavka 1 ali 2 ali če so izpolnjena tehnična merila, določena v skladu s členom 40(1)(b).

5. By way of derogation from Articles 7(a), (b) and (d), 8 and 9(1), Member States may allow the institutions and persons covered by this Directive not to apply customer due diligence in respect of:

5. Z odstopanjem od členov 7(a), (b) in (d), 8 in 9(1) lahko države članice ustanovam in osebam, za katere velja ta direktiva, dovolijo neupoštevanje dolžnosti skrbnosti pri ugotavljanju identitete strank v zvezi z:

(a) life insurance policies where the annual premium is no more than EUR 1000 or the single premium is no more than EUR 2500;

(a) življenjskim zavarovanjem, kadar letna premija ne presega 1000 EUR ali posamezna premija ne presega 2500 EUR;

(b) insurance policies for pension schemes if there is no surrender clause and the policy cannot be used as collateral;

(b) zavarovalno polico pokojninskega sistema, če ne predvideva odstopne klavzule in se polica ne more uporabiti kot zavarovanje;

(c) a pension, superannuation or similar scheme that provides retirement benefits to employees, where contributions are made by way of deduction from wages and the scheme rules do not permit the assignment of a member's interest under the scheme;

(c) pokojninskim ali drugim podobnim sistemom, ki zaposlenim zagotavlja dajatve iz naslova pokojnine, kadar se prispevki vplačujejo z odtegovanjem od plače in kadar v okviru pravil sistema ni dovoljen prenos pravic na drugo osebo;

(d) electronic money, as defined in Article 1(3)(b) of Directive 2000/46/EC of the European Parliament and of the Council of 18 September 2000 on the taking up, pursuit of and prudential supervision of the business of electronic money institutions [16], where, if the device cannot be recharged, the maximum amount stored in the device is no more than EUR 150, or where, if the device can be recharged, a limit of EUR 2500 is imposed on the total amount transacted in a calendar year, except when an amount of EUR 1000 or more is redeemed in that same calendar year by the bearer as referred to in Article 3 of Directive 2000/46/EC,

(d) elektronskim denarjem, kakor je opredeljen v členu 1(3)(b) Direktive 2000/46/ES Evropskega parlamenta in Sveta z dne 18. septembra 2000 o začetku opravljanja in opravljanju dejavnosti ter nadzoru skrbnega in varnega poslovanja institucij za izdajo elektronskega denarja [16], če znesek, shranjen na nosilcu podatkov (če nanj ni mogoče ponovno naložiti podatkov), ne presega 150 EUR ali če je znesek celega koledarskega leta (če je mogoče podatke ponovno naložiti na nosilec podatkov) omejen na 2500 EUR, razen če imetnik v skladu s členom 3 Direktive 2000/46/ES vnovči znesek v višini 1000 EUR ali več v istem koledarskem letu;

or in respect of any other product or transaction representing a low risk of money laundering or terrorist financing which meets the technical criteria established in accordance with Article 40(1)(b).

ali v zvezi z drugimi produkti ali transakcijami, pri katerih obstaja le neznatno tveganje pranja denarja ali financiranja terorizma in ki izpolnjujejo tehnična merila, določena v skladu s členom 40(1)(b).

Article 12

Člen 12

Where the Commission adopts a decision pursuant to Article 40(4), the Member States shall prohibit the institutions and persons covered by this Directive from applying simplified due diligence to credit and financial institutions or listed companies from the third country concerned or other entities following from situations which meet the technical criteria established in accordance with Article 40(1)(b).

Če sprejme Komisija odločitev na podlagi člena 40(4), države članice ustanovam in osebam, za katere velja ta direktiva, prepovejo uporabo poenostavljene dolžnosti skrbnosti pri ugotavljanju identitete stranke za kreditne in finančne ustanove ali za navedene družbe iz zadevne tretje države ali za druge subjekte, ki izhajajo iz okoliščin, ki ustrezajo tehničnim merilom, določenim v skladu s členom 40(1)(b).

SECTION 3

ODDELEK 3

Enhanced customer due diligence

Poglobljena dolžnost skrbnosti pri ugotavljanju identitete stranke

Article 13

Člen 13

1. Member States shall require the institutions and persons covered by this Directive to apply, on a risk-sensitive basis, enhanced customer due diligence measures, in addition to the measures referred to in Articles 7, 8 and 9(6), in situations which by their nature can present a higher risk of money laundering or terrorist financing, and at least in the situations set out in paragraphs 2, 3, 4 and in other situations representing a high risk of money laundering or terrorist financing which meet the technical criteria established in accordance with Article 40(1)(c).

1. Države članice zahtevajo, da ustanove in osebe, za katere velja ta direktiva, na podlagi ocene tveganja poleg ukrepov iz členov 7, 8 in 9(6) izvajajo ukrepe glede poglobljene dolžnosti skrbnosti pri ugotavljanju identitete stranke v okoliščinah, ki zaradi svoje narave predstavljajo večje tveganje pranja denarja in financiranja terorizma, in sicer v okoliščinah iz odstavkov 2, 3 in 4 ter v drugih okoliščinah, ki predstavljajo veliko tveganje pranja denarja ali financiranja terorizma, ki ustrezajo tehničnim merilom, določenim v skladu s členom 40(1)(c).

2. Where the customer has not been physically present for identification purposes, Member States shall require those institutions and persons to take specific and adequate measures to compensate for the higher risk, for example by applying one or more of the following measures:

2. Kadar stranka ni bila fizično prisotna pri identifikaciji, države članice od ustanov in oseb zahtevajo, da sprejmejo posebne in primerne ukrepe za nadomestitev večjega tveganja, na primer z izvajanjem naslednjih ukrepov:

(a) ensuring that the customer's identity is established by additional documents, data or information;

(a) zagotavljanjem, da je identiteta stranke ugotovljena z dodatnimi listinami, podatki ali informacijami;

(b) supplementary measures to verify or certify the documents supplied, or requiring confirmatory certification by a credit or financial institution covered by this Directive;

(b) dopolnilnimi ukrepi za preverjanje ali potrditev predloženih listin ali pa z dodatno potrditvijo s strani kreditne ali finančne ustanove, za katere velja ta direktiva;

(c) ensuring that the first payment of the operations is carried out through an account opened in the customer's name with a credit institution.

3. In respect of cross-frontier correspondent banking relationships with respondent institutions from third countries, Member States shall require their credit institutions to:

3. Kadar kreditne ustanove sklepajo čezmejne korespondenčne bančne odnose s korespondenčnimi ustanovami iz tretjih držav, države članice od svojih kreditnih ustanov zahtevajo, da:

(a) gather sufficient information about a respondent institution to understand fully the nature of the respondent's business and to determine from publicly available information the reputation of the institution and the quality of supervision;

(a) zberejo potrebne podatke o korespondenčni tuji ustanovi in v celoti spoznajo naravo njenega poslovanja ter iz javno dostopnih podatkov ocenijo ugled te ustanove ter kakovost nadzora;

(b) assess the respondent institution's anti-money laundering and anti-terrorist financing controls;

(b) presodijo, kakšni so nadzorni ukrepi glede pranja denarja in financiranja terorizma v tuji ustanovi;

(d) document the respective responsibilities of each institution;

(d) dokumentirajo ustrezne pristojnosti vsake ustanove;

(e) with respect to payable-through accounts, be satisfied that the respondent credit institution has verified the identity of and performed ongoing due diligence on the customers having direct access to accounts of the correspondent and that it is able to provide relevant customer due diligence data to the correspondent institution, upon request.

(e) se prepričajo, da je korespondenčna ustanova preverila identiteto stranke, ki ima neposreden dostop do računov te ustanove, in je dalje nenehno skrbno spremljala poslovanje stranke ter da je korespondenčna ustanova na zahtevo domače ustanove sposobna predložiti podatke, zbrane pri skrbnem spremljanju poslovanja stranke.

4. In respect of transactions or business relationships with politically exposed persons residing in another Member State or in a third country, Member States shall require those institutions and persons covered by this Directive to:

4. Glede transakcij ali poslovnih odnosov s politično izpostavljenimi osebami, ki prebivajo v drugi državi članici ali tretji državi, države članice od ustanov in oseb, za katere velja ta direktiva, zahtevajo, da:

(a) have appropriate risk-based procedures to determine whether the customer is a politically exposed person;

(a) vzpostavijo primerne postopke, ki temeljijo na tveganju, s katerimi lahko ugotovijo, ali je stranka politično izpostavljena oseba;

(b) have senior management approval for establishing business relationships with such customers;

(b) pridobijo privolitev uprave za vzpostavitev poslovnih odnosov s takšno stranko;

(c) take adequate measures to establish the source of wealth and source of funds that are involved in the business relationship or transaction;

(d) conduct enhanced ongoing monitoring of the business relationship.

(d) poglobljeno neprekinjeno spremljajo poslovne odnose.

5. Member States shall prohibit credit institutions from entering into or continuing a correspondent banking relationship with a shell bank and shall require that credit institutions take appropriate measures to ensure that they do not engage in or continue correspondent banking relationships with a bank that is known to permit its accounts to be used by a shell bank.

5. Države članice kreditnim ustanovam prepovejo, da sklepajo ali nadaljujejo s korespondenčnim bančnim odnosom z navidezno banko, in zahtevajo, da kreditne ustanove sprejmejo ustrezne ukrepe za zagotovitev, da ne vzpostavljajo oziroma nadaljujejo korespondenčnih odnosov z banko, za katero je znano, da dovoljuje uporabo svojih računov navideznim bankam.

6. Member States shall ensure that the institutions and persons covered by this Directive pay special attention to any money laundering or terrorist financing threat that may arise from products or transactions that might favour anonymity, and take measures, if needed, to prevent their use for money laundering or terrorist financing purposes.

6. Države članice zagotovijo, da ustanove in osebe, za katere velja ta direktiva, posvetijo posebno pozornost vsaki grožnji pranja denarja ali financiranja terorizma, ki bi lahko izhajala iz produktov ali transakcij, ki se nagibajo k anonimnosti, in da po potrebi sprejemajo ukrepe proti zlorabi njihovih storitev za pranje denarja ali financiranje terorizma.

SECTION 4

ODDELEK 4

Performance by third parties

Tretje osebe

Article 14

Člen 14

Member States may permit the institutions and persons covered by this Directive to rely on third parties to meet the requirements laid down in Article 8(1)(a) to (c). However, the ultimate responsibility for meeting those requirements shall remain with the institution or person covered by this Directive which relies on the third party.

Države članice lahko dovolijo ustanovam in osebam, za katere velja ta direktiva, da se zanesejo, da tretje osebe izpolnjujejo zahteve iz členov 8(1)(a) do (c). Vendar končno odgovornost za izpolnitev teh zahtev nosi ustanova ali oseba, za katero velja ta direktiva, ki zaupa tretji osebi.

Article 15

Člen 15

1. Where a Member State permits credit and financial institutions referred to in Article 2(1)(1) or (2) situated in its territory to be relied on as a third party domestically, that Member State shall in any case permit institutions and persons referred to in Article 2(1) situated in its territory to recognise and accept, in accordance with the provisions laid down in Article 14, the outcome of the customer due diligence requirements laid down in Article 8(1)(a) to (c), carried out in accordance with this Directive by an institution referred to in Article 2(1)(1) or (2) in another Member State, with the exception of currency exchange offices and money transmission or remittance offices, and meeting the requirements laid down in Articles 16 and 18, even if the documents or data on which these requirements have been based are different to those required in the Member State to which the customer is being referred.

1. Če država članica dovoli kreditnim in finančnim ustanovam iz člena 2(1) ali (2), ki se nahajajo na njenem ozemlju, da se znotraj države uporabljajo kot tretje osebe, ta država članica dovoli v skladu s členom 14, da ustanove in osebe iz člena 2(1), ki se nahajajo na njenem ozemlju, v vsakem primeru priznajo in sprejmejo rezultat zahtev glede dolžnosti skrbnosti pri ugotavljanju identitete stranke, določenih v členu 8(1)(a) do (c), ki jih je v skladu s to direktivo izvedla ustanova iz člena 2(1)(1) ali (2) v drugi državi članici, z izjemo menjalnic in organizacij za posredovanje denarja ter storitve v plačilnem prometu, in ki izpolnjujejo zahteve iz členov 16 in 18, četudi gre pri dokumentih ali podatkih, ki so bili v zvezi s temi zahtevami vzeti kot osnova, za drugačne dokumente ali podatke, kot so predpisani v državi članici, na katero se stranka obrača.

2. Where a Member State permits currency exchange offices and money transmission or remittance offices referred to in Article 3(2)(a) situated in its territory to be relied on as a third party domestically, that Member State shall in any case permit them to recognise and accept, in accordance with Article 14, the outcome of the customer due diligence requirements laid down in Article 8(1)(a) to (c), carried out in accordance with this Directive by the same category of institution in another Member State and meeting the requirements laid down in Articles 16 and 18, even if the documents or data on which these requirements have been based are different to those required in the Member State to which the customer is being referred.

2. Če država članica dovoli, da se menjalnice in organizacije za posredovanja denarja ter storitve v plačilnem prometu iz člena 3(2)(a), ki se nahajajo na njenem ozemlju, znotraj države uporabljajo kot tretje osebe, jim mora ta država članica dovoliti v skladu s členom 14, da v vsakem primeru priznajo in sprejmejo rezultat zahteve po dolžnosti skrbnosti pri ugotavljanju identitete stranke, določenih v členu 8(1)(a) do (c), ki jih je v skladu s to direktivo v drugi državi članici izvedla ustanova iste vrste in ki izpolnjujejo zahteve iz členov 16 in 18, četudi gre pri dokumentih ali podatkih, ki so bili v zvezi s temi zahtevami vzeti kot osnova, za drugačne dokumente ali podatke kot tiste, ki so zahtevani v državi članici, na katero se stranka obrača.

3. Where a Member State permits persons referred to in Article 2(1)(3)(a) to (c) situated in its territory to be relied on as a third party domestically, that Member State shall in any case permit them to recognise and accept, in accordance with Article 14, the outcome of the customer due diligence requirements laid down in Article 8(1)(a) to (c), carried out in accordance with this Directive by a person referred to in Article 2(1)(3)(a) to (c) in another Member State and meeting the requirements laid down in Articles 16 and 18, even if the documents or data on which these requirements have been based are different to those required in the Member State to which the customer is being referred.

3. Če država članica dovoli, da se osebe iz člena 2(1)(3)(a) do (c), ki se nahajajo na njenem ozemlju, znotraj države uporabljajo kot tretje osebe, ta država članica tem osebam dovoli v skladu s členom 14, da v vsakem primeru priznajo in sprejmejo rezultat zahtev glede dolžnosti skrbnosti pri ugotavljanju identitete strank, določenih v členu 8(1)(a) do (c), ki jih je v skladu s to direktivo v drugi državi članici izvedla oseba iz člena 2(1)(3)(a) do (c) in ki izpolnjuje zahteve iz členov 16 in 18, četudi gre pri dokumentih ali podatkih, ki so bili v zvezi s temi zahtevami vzeti kot osnova, za drugačne dokumente ali podatke kot tiste, ki so zahtevani v državi članici, na katero se stranka obrača.

Article 16

Člen 16

1. For the purposes of this Section, "third parties" shall mean institutions and persons who are listed in Article 2, or equivalent institutions and persons situated in a third country, who meet the following requirements:

1. V tem oddelku "tretje osebe" pomenijo ustanove in osebe, ki so navedene v členu 2, ali enakovredne ustanove in osebe v tretji državi, ki izpolnjujejo naslednje zahteve:

(a) they are subject to mandatory professional registration, recognised by law;

(a) so predmet pravno priznane obvezne poslovne registracije;

(b) they apply customer due diligence requirements and record keeping requirements as laid down or equivalent to those laid down in this Directive and their compliance with the requirements of this Directive is supervised in accordance with Section 2 of Chapter V, or they are situated in a third country which imposes equivalent requirements to those laid down in this Directive.

(b) izvajajo zahteve za skrbno preverjanje poslovanja strank in zahteve za vodenje evidence, enake ali enakovredne zahtevam, ki so določene v tej direktivi, pri čemer se v skladu z oddelkom 2 poglavja V nadzoruje skladnost z zahtevami te direktive, oziroma se nahajajo v tretji državi, ki predpisuje zahteve, enakovredne tistim, določenim v tej direktivi.

2. Member States shall inform each other and the Commission of cases where they consider that a third country meets the conditions laid down in paragraph 1(b).

2. Države članice se obvestijo med seboj in obvestijo Komisijo, kadar menijo, da tretja država izpolnjuje pogoje iz odstavka 1(b).

Article 17

Člen 17

Where the Commission adopts a decision pursuant to Article 40(4), Member States shall prohibit the institutions and persons covered by this Directive from relying on third parties from the third country concerned to meet the requirements laid down in Article 8(1)(a) to (c).

Če sprejme Komisija odločitev na podlagi člena 40(4), države članice prepovejo ustanovam in osebam, za katere velja ta direktiva, da prepustijo tretjim osebam iz navedenih tretjih držav, da izpolnjujejo zahteve iz člena 8(1)(a) do (c).

Article 18

Člen 18

1. Third parties shall make information requested in accordance with the requirements laid down in Article 8(1)(a) to (c) immediately available to the institution or person covered by this Directive to which the customer is being referred.

1. Tretje osebe takoj posredujejo podatke, zahtevane v skladu z zahtevami iz člena 8(1)(a) do (c), ustanovi ali osebi, za katero velja ta direktiva, h kateri se napoti stranka.

2. Relevant copies of identification and verification data and other relevant documentation on the identity of the customer or the beneficial owner shall immediately be forwarded, on request, by the third party to the institution or person covered by this Directive to which the customer is being referred.

2. Tretje osebe ustanovi ali osebi, za katero velja ta direktiva, h kateri se napoti stranka, na zahtevo takoj posredujejo pomembne kopije identifikacijskih in potrditvenih podatkov ter ostalih pomembnih listin o identiteti stranke ali dejanskega lastnika.

Article 19

Člen 19

This Section shall not apply to outsourcing or agency relationships where, on the basis of a contractual arrangement, the outsourcing service provider or agent is to be regarded as part of the institution or person covered by this Directive.

Ta oddelek se ne uporablja za odnose z zunanjimi izvajalci ali zastopniki, če je zunanji izvajalec ali zastopnik del ustanove ali osebe, za katero velja ta direktiva.

CHAPTER III

POGLAVJE III

REPORTING OBLIGATIONS

DOLŽNOST SPOROČANJA

SECTION 1

ODDELEK 1

General provisions

Splošne določbe

Article 20

Člen 20

Member States shall require that the institutions and persons covered by this Directive pay special attention to any activity which they regard as particularly likely, by its nature, to be related to money laundering or terrorist financing and in particular complex or unusually large transactions and all unusual patterns of transactions which have no apparent economic or visible lawful purpose.

Države članice zahtevajo, da ustanove in osebe, za katere velja ta direktiva, posvetijo posebno pozornost vsem dejavnostim, za katere menijo, da bi utegnile biti povezane s pranjem denarja ali financiranjem terorizma, zlasti pa zapletenim ali nenavadno obsežnim transakcijam in vsem nenavadnim vzorcem transakcij, ki nimajo očitnega ekonomskega ali razvidnega pravno utemeljenega namena.

Article 21

Člen 21

1. Each Member State shall establish a FIU in order effectively to combat money laundering and terrorist financing.

1. Vsaka država članica za namene učinkovitega boja proti pranju denarja in financiranju terorizma ustanovi FIU.

2. That FIU shall be established as a central national unit. It shall be responsible for receiving (and to the extent permitted, requesting), analysing and disseminating to the competent authorities, disclosures of information which concern potential money laundering, potential terrorist financing or are required by national legislation or regulation. It shall be provided with adequate resources in order to fulfil its tasks.

2. FIU se ustanovi kot centralni nacionalni organ. Ta organ je pristojen za prejemanje (in v dovoljenem obsegu za zahtevanje), analiziranje in posredovanje podatkov o morebitnem pranju denarja, financiranju terorizma ali kakšne druge podatke, ki jih zahteva nacionalna zakonodaja, in za njihovo posredovanje pristojnim organom. Za izpolnjevanje svojih nalog prejme ustrezna sredstva.

3. Member States shall ensure that the FIU has access, directly or indirectly, on a timely basis, to the financial, administrative and law enforcement information that it requires to properly fulfil its tasks.

3. Države članice morajo zagotoviti, da ima FIU pravočasni, posredni ali neposredni dostop do finančnih in upravnih podatkov ter podatkov v zvezi s pregonom, ki jih potrebuje za ustrezno opravljanje svojih nalog.

Article 22

Člen 22

1. Member States shall require the institutions and persons covered by this Directive, and where applicable their directors and employees, to cooperate fully:

1. Države članice zahtevajo, da ustanove in osebe, za katere velja ta direktiva, ter, kjer je to primerno, njihovi direktorji in zaposleni v celoti sodelujejo, in sicer tako da:

(a) by promptly informing the FIU, on their own initiative, where the institution or person covered by this Directive knows, suspects or has reasonable grounds to suspect that money laundering or terrorist financing is being or has been committed or attempted;

(a) nemudoma obvestijo FIU na svojo pobudo, kadar institucija ali oseba, za katero velja ta direktiva, ve, sumi ali ima razlog za sum, da gre ali je šlo za poskus ali storitev kaznivega dejanja pranja denarja ali financiranja terorizma.

(b) by promptly furnishing the FIU, at its request, with all necessary information, in accordance with the procedures established by the applicable legislation.

(b) FIU na njeno zahtevo nemudoma posredujejo potrebne podatke v skladu s postopki, določenimi v veljavni zakonodaji.

2. The information referred to in paragraph 1 shall be forwarded to the FIU of the Member State in whose territory the institution or person forwarding the information is situated. The person or persons designated in accordance with the procedures provided for in Article 34 shall normally forward the information.

2. Podatki iz odstavka 1 se posredujejo FIU v tisti državi članici, na ozemlju katere se nahaja ustanova ali oseba, ki podatke posreduje. Podatke običajno posreduje oseba ali osebe, ki so določene v skladu s postopki, predvidenimi v členu 34.

Article 23

Člen 23

1. By way of derogation from Article 22(1), Member States may, in the case of the persons referred to in Article 2(1)(3)(a) and (b), designate an appropriate self-regulatory body of the profession concerned as the authority to be informed in the first instance in place of the FIU. Without prejudice to paragraph 2, the designated self-regulatory body shall in such cases forward the information to the FIU promptly and unfiltered.

1. Z odstopanjem od člena 22(1) lahko države članice za osebe iz člena 2(1)(3)(a) in (b) imenujejo ustrezen samoregulativen organ omenjene stroke kot tisti pristojni organ, ki se ga na prvi stopnji obvesti namesto FIU. Brez poseganja v odstavek 2 v takšnih primerih imenovan samoregulativni organ posreduje podatke FIU nemudoma in nepregledane.

2. Member States shall not be obliged to apply the obligations laid down in Article 22(1) to notaries, independent legal professionals, auditors, external accountants and tax advisors with regard to information they receive from or obtain on one of their clients, in the course of ascertaining the legal position for their client or performing their task of defending or representing that client in, or concerning judicial proceedings, including advice on instituting or avoiding proceedings, whether such information is received or obtained before, during or after such proceedings.

2. Države članice niso dolžne upoštevati obveznosti, določenih v členu 22(1), v zvezi s podatki, ki jih notarji, neodvisni pravni strokovnjaki, revizorji, zunanji računovodje in davčni svetovalci pridobijo o svojih strankah med ugotavljanjem njihovega pravnega položaja ali ko branijo ali zastopajo svojo stranko v ali v zvezi s sodnim postopkom, vključno s svetovanjem o sprožitvi postopka ali njegovem izogibu, bodisi da takšne podatke pridobijo pred, med ali po končanem postopku.

Article 24

Člen 24

1. Member States shall require the institutions and persons covered by this Directive to refrain from carrying out transactions which they know or suspect to be related to money laundering or terrorist financing until they have completed the necessary action in accordance with Article 22(1)(a). In conformity with the legislation of the Member States, instructions may be given not to carry out the transaction.

1. Države članice ustanovam in osebam, za katere velja ta direktiva, za katere vedo ali sumijo, da so povezane s pranjem denarja ali financiranjem terorizma, prepovejo opravljanje transakcij, dokler v skladu s členom 22(1)(a) ne sprejmejo potrebnih ukrepov. V skladu z nacionalnimi zakonodajami držav članic se lahko izda navodilo, da se transakcija ne izvede.

2. Where such a transaction is suspected of giving rise to money laundering or terrorist financing and where to refrain in such manner is impossible or is likely to frustrate efforts to pursue the beneficiaries of a suspected money laundering or terrorist financing operation, the institutions and persons concerned shall inform the FIU immediately afterwards.

2. Kadar obstaja sum, da bo transakcija povzročila pranje denarja ali financiranje terorizma in jo je nemogoče opustiti na zgoraj opisan način oziroma je verjetno, da bi opustitev onemogočila pregon upravičencev sumljive transakcije pranja denarja ali financiranja terorizma, te ustanove obvestijo FIU nemudoma za tem.

Article 25

Člen 25

1. Member States shall ensure that if, in the course of inspections carried out in the institutions and persons covered by this Directive by the competent authorities referred to in Article 37, or in any other way, those authorities discover facts that could be related to money laundering or terrorist financing, they shall promptly inform the FIU.

1. Države članice zagotovijo, da pristojni organi iz člena 37, ki pri pregledovanju ustanov in oseb, za katere velja ta direktiva, ali kakor koli drugače odkrijejo dejstva, ki bi lahko bila povezana s pranjem denarja ali financiranjem terorizma, o tem nemudoma obvestijo FIU.

2. Member States shall ensure that supervisory bodies empowered by law or regulation to oversee the stock, foreign exchange and financial derivatives markets inform the FIU if they discover facts that could be related to money laundering or terrorist financing.

2. Države članice zagotovijo, da nadzorni organi, ki so z zakonom ali drugim predpisom pooblaščeni za nadzor nad delniškimi in deviznimi trgi ter trgi izvedenih finančnih instrumentov, obvestijo FIU, če odkrijejo dejstva, ki bi lahko bila povezana s pranjem denarja ali financiranjem terorizma.

Article 26

Člen 26

The disclosure in good faith as foreseen in Articles 22(1) and 23 by an institution or person covered by this Directive or by an employee or director of such an institution or person of the information referred to in Articles 22 and 23 shall not constitute a breach of any restriction on disclosure of information imposed by contract or by any legislative, regulatory or administrative provision, and shall not involve the institution or person or its directors or employees in liability of any kind.

Če ustanova ali oseba, za katero velja ta direktiva, ali direktor ali zaposleni v takšni ustanovi ali pri takšni osebi v dobri veri, kakor je predvideno v členih 22(1) in 23, razkrije podatke iz členov 22 in 23, se tako razkritje ne šteje za kršitev zaupnosti podatkov, določene s pogodbo ali s katero koli določbo zakona ali drugega predpisa, in ne predstavlja nikakršne odgovornosti za škodo s strani ustanove ali osebe oziroma njihovega direktorja ali zaposlenih.

Article 27

Člen 27

Member States shall take all appropriate measures in order to protect employees of the institutions or persons covered by this Directive who report suspicions of money laundering or terrorist financing either internally or to the FIU from being exposed to threats or hostile action.

Države članice sprejmejo ustrezne ukrepe, s katerimi se zaposlene v ustanovah ali pri osebah, za katere velja ta direktiva, ki o sumu pranja denarja ali financiranja terorizma poročajo bodisi interno bodisi neposredno FIU, zaščiti pred grožnjami ali drugimi sovražnimi dejanji.

SECTION 2

ODDELEK 2

Prohibition of disclosure

Prepoved razkritja

Article 28

Člen 28

1. The institutions and persons covered by this Directive and their directors and employees shall not disclose to the customer concerned or to other third persons the fact that information has been transmitted in accordance with Articles 22 and 23 or that a money laundering or terrorist financing investigation is being or may be carried out.

1. Ustanove in osebe, za katere velja ta direktiva, ter njihovi direktorji in zaposleni zadevnim strankam ali ostalim tretjim osebam ne smejo razkriti dejstva, da so v skladu s členoma 22 in 23 posredovali podatke ali da poteka oziroma bi se lahko uvedla preiskava o pranju denarja ali financiranju terorizma.

2. The prohibition laid down in paragraph 1 shall not include disclosure to the competent authorities referred to in Article 37, including the self-regulatory bodies, or disclosure for law enforcement purposes.

2. Prepoved, določena v odstavku 1, ne velja za razkritja pristojnim organom iz člena 37, vključno s samoregulativnimi organi, ali razkritja podatkov za namene kazenskega pregona.

3. The prohibition laid down in paragraph 1 shall not prevent disclosure between institutions from Member States, or from third countries provided that they meet the conditions laid down in Article 11(1), belonging to the same group as defined by Article 2(12) of Directive 2002/87/EC of the European Parliament and of the Council of 16 December 2002 on the supplementary supervision of credit institutions, insurance undertakings and investment firms in a financial conglomerate [17].

3. Prepoved iz odstavka 1 ne nasprotuje razkritju podatkov med ustanovami iz držav članic ali tretjih držav, če izpolnjujejo pogoje iz člena 11(1), ki spadajo v isto skupino v smislu člena 2(12) Direktive 2002/87/ES Evropskega parlamenta in Sveta z dne 16. decembra 2002 o dopolnilnem nadzoru kreditnih institucij, zavarovalnic in investicijskih družb v finančnem konglomeratu [17].

4. The prohibition laid down in paragraph 1 shall not prevent disclosure between persons referred to in Article 2(1)(3)(a) and (b) from Member States, or from third countries which impose requirements equivalent to those laid down in this Directive, who perform their professional activities, whether as employees or not, within the same legal person or a network. For the purposes of this Article, a "network" means the larger structure to which the person belongs and which shares common ownership, management or compliance control.

4. Prepoved iz odstavka 1 ne nasprotuje razkritju podatkov med osebami iz držav članic iz člena 2(1)(3)(a) in (b) ali tretjih držav, v katerih veljajo zahteve, enakovredne zahtevam te direktive, če zadevne osebe opravljajo svojo poklicno dejavnost, bodisi kot zaposleni ali ne, v isti pravni osebi ali mreži. V tem členu pomeni "mreža" obsežno strukturo, kateri pripada oseba in ki ima skupnega lastnika in skupno upravo ter skupni nadzor nad izvajanjem predpisov.

5. For institutions or persons referred to in Article 2(1)(1), (2) and (3)(a) and (b) in cases related to the same customer and the same transaction involving two or more institutions or persons, the prohibition laid down in paragraph 1 shall not prevent disclosure between the relevant institutions or persons provided that they are situated in a Member State, or in a third country which imposes requirements equivalent to those laid down in this Directive, and that they are from the same professional category and are subject to equivalent obligations as regards professional secrecy and personal data protection. The information exchanged shall be used exclusively for the purposes of the prevention of money laundering and terrorist financing.

5. Prepoved iz odstavka 1 za ustanove ali osebe iz člena 2(1)(1), (2) in (3)(a) in (b), v primerih, ki se nanašajo na iste stranke in iste transakcije, v kateri sodelujeta dve ali več ustanov ali oseb, ni v nasprotju z razkritjem podatkov med zadevnimi ustanovami ali osebami, če se nahajajo v državi članici ali v tretji državi, v kateri veljajo zahteve, enakovredne zahtevam te direktive, in če pripadajo isti kategoriji poklicev in zanje veljajo enakovredne obveznosti glede varovanja poslovne skrivnosti in osebnih podatkov. Izmenjani podatki se lahko uporabijo izključno za namene preprečevanja pranja denarja in financiranja terorizma.

6. Where the persons referred to in Article 2(1)(3)(a) and (b) seek to dissuade a client from engaging in illegal activity, this shall not constitute a disclosure within the meaning of the paragraph 1.

6. Kadar poskušajo osebe iz člena 2(1)(3)(a) in (b) stranko odvrniti od nezakonite dejavnosti, to ne predstavlja razkritja v smislu odstavka 1.

7. The Member States shall inform each other and the Commission of cases where they consider that a third country meets the conditions laid down in paragraphs 3, 4 or 5.

7. Države članice se obvestijo med seboj in obvestijo Komisijo, kadar po njihovem mnenju tretja država izpolnjuje pogoje iz odstavka 3, 4 ali 5.

Article 29

Člen 29

Where the Commission adopts a decision pursuant to Article 40(4), the Member States shall prohibit the disclosure between institutions and persons covered by this Directive and institutions and persons from the third country concerned.

V primerih, v katerih Komisija sprejme odločitev v skladu s členom 40(4), države članice prepovejo razkritje podatkov med ustanovami in osebami, za katere velja ta direktiva, ter ustanovami in osebami iz zadevne tretje države.

CHAPTER IV

POGLAVJE IV

RECORD KEEPING AND STATISTICAL DATA

VODENJE EVIDENC IN ZBIRANJE STATISTIČNIH PODATKOV

Article 30

Člen 30

Member States shall require the institutions and persons covered by this Directive to keep the following documents and information for use in any investigation into, or analysis of, possible money laundering or terrorist financing by the FIU or by other competent authorities in accordance with national law:

Države članice zahtevajo, da ustanove in osebe, za katere velja ta direktiva, hranijo naslednje listine in podatke, ki se uporabljajo v morebitni preiskavi ali za izvajanje analiz o morebitnem pranju denarja ali financiranju terorizma, ki jih opravlja FIU ali drugi pristojni organi v skladu z nacionalnim pravom:

(a) in the case of the customer due diligence, a copy or the references of the evidence required, for a period of at least five years after the business relationship with their customer has ended;

(a) v postopku skrbnega preverjanja strank kopije ali sklicevanja na zahtevano dokumentacijo, in sicer najmanj pet let po končanem poslovnem odnosu s to stranko;

(b) in the case of business relationships and transactions, the supporting evidence and records, consisting of the original documents or copies admissible in court proceedings under the applicable national legislation for a period of at least five years following the carrying-out of the transactions or the end of the business relationship.

(b) v primeru poslovnih odnosov in transakcij dokazno dokumentacijo in evidence z originalnimi listinami ali kopijami, ki so po veljavni nacionalni zakonodaji sprejemljive kot dokaz v sodnem postopku, in sicer najmanj pet let po opravljeni transakciji ali po končanem poslovnem odnosu.

Article 31

Člen 31

1. Member States shall require the credit and financial institutions covered by this Directive to apply, where applicable, in their branches and majority-owned subsidiaries located in third countries measures at least equivalent to those laid down in this Directive with regard to customer due diligence and record keeping.

1. Države članice zahtevajo od kreditnih in finančnih ustanov, za katere velja ta direktiva, da na ozemlju tretjih držav v svojih podružnicah in hčerinskih družbah v večinski lasti izvajajo, kjer je to mogoče, ukrepe, ki so enakovredni skrbnemu preverjanju strank in vodenju evidenc iz te direktive.

Where the legislation of the third country does not permit application of such equivalent measures, the Member States shall require the credit and financial institutions concerned to inform the competent authorities of the relevant home Member State accordingly.

Kadar zakonodaja tretje države ne dovoljuje izvajanja takšnih enakovrednih ukrepov, države članice zahtevajo od ustanov, da obveščajo pristojne organe v svoji državi članici.

2. Member States and the Commission shall inform each other of cases where the legislation of the third country does not permit application of the measures required under the first subparagraph of paragraph 1 and coordinated action could be taken to pursue a solution.

2. Države članice in Komisija se medsebojno obveščajo v primerih, kadar zakonodaja tretje države ne dovoljuje izvajanja ukrepov, zahtevanih po prvem pododstavku odstavka 1, in je za namen iskanja rešitve možen usklajeni pristop.

3. Member States shall require that, where the legislation of the third country does not permit application of the measures required under the first subparagraph of paragraph 1, credit or financial institutions take additional measures to effectively handle the risk of money laundering or terrorist financing.

3. Države članice zahtevajo, da v primerih, kadar zakonodaja tretje države ne omogoča uporabe ukrepov iz prvega pododstavka odstavka 1, ustanove sprejmejo dodatne ukrepe, s katerimi učinkovito obravnavajo tveganja pranja denarja ali financiranja terorizma.

Article 32

Člen 32

Member States shall require that their credit and financial institutions have systems in place that enable them to respond fully and rapidly to enquiries from the FIU, or from other authorities, in accordance with their national law, as to whether they maintain or have maintained during the previous five years a business relationship with specified natural or legal persons and on the nature of that relationship.

Države članice zahtevajo, da njihove kreditne in finančne ustanove vzpostavijo sisteme, ki jim v skladu z nacionalno zakonodajo omogočajo, da se v celoti in nemudoma odzovejo na poizvedovanja FIU ali drugih organov, če imajo ali so v zadnjih petih letih imele poslovne odnose z določenimi fizičnimi ali pravnimi osebami in kakšna je bila narava teh poslovnih odnosov.

Article 33

Člen 33

1. Member States shall ensure that they are able to review the effectiveness of their systems to combat money laundering or terrorist financing by maintaining comprehensive statistics on matters relevant to the effectiveness of such systems.

1. Države članice zagotovijo, da so z zbiranjem statističnih podatkov o zadevah, pomembnih za učinkovit sistem boja proti pranju denarja ali financiranju terorizma, sposobne preverjati učinkovitost svojih sistemov.

2. Such statistics shall as a minimum cover the number of suspicious transaction reports made to the FIU, the follow-up given to these reports and indicate on an annual basis the number of cases investigated, the number of persons prosecuted, the number of persons convicted for money laundering or terrorist financing offences and how much property has been frozen, seized or confiscated.

2. Ti statistični podatki morajo zajemati vsaj število poročil o sumljivih transakcijah, posredovanim FIU, nadaljnje ukrepanje v zvezi s temi poročili in število proučevanih primerov letno, število kazensko preganjanih oseb, število oseb, obsojenih kaznivega dejanja pranja denarja ali financiranja terorizma, ter obseg zamrznjenih, zaseženih ali odvzetih sredstev.

3. Member States shall ensure that a consolidated review of these statistical reports is published.

3. Države članice zagotovijo objavo prečiščenega pregleda teh statističnih poročil.

CHAPTER V

POGLAVJE V

ENFORCEMENT MEASURES

IZVRŠILNI UKREPI

SECTION 1

ODDELEK 1

Internal procedures, training and feedback

Notranji postopki, usposabljanje in povratne informacije

Article 34

Člen 34

1. Member States shall require that the institutions and persons covered by this Directive establish adequate and appropriate policies and procedures of customer due diligence, reporting, record keeping, internal control, risk assessment, risk management, compliance management and communication in order to forestall and prevent operations related to money laundering or terrorist financing.

1. Države članice zahtevajo, da ustanove in osebe, za katere velja ta direktiva, vzpostavijo ustrezne in primerne politike ter postopke glede dolžnosti skrbnega ugotavljanja identitete stranke, poročanja, vodenja evidenc, notranjega nadzora, ocene in obvladovanja tveganja, zagotavljanja upoštevanja zadevnih predpisov ter komuniciranja, s katerimi lahko preprečijo dejavnosti, povezane s pranjem denarja ali financiranjem terorizma.

2. Member States shall require that credit and financial institutions covered by this Directive communicate relevant policies and procedures where applicable to branches and majority-owned subsidiaries in third countries.

2. Države članice določijo, da kreditne in finančne ustanove, za katere velja ta direktiva, o teh politikah in postopkih obvestijo svoje podružnice ali hčerinske družbe v večinski lasti v tretjih državah, če te obstajajo.

Article 35

Člen 35

1. Member States shall require that the institutions and persons covered by this Directive take appropriate measures so that their relevant employees are aware of the provisions in force on the basis of this Directive.

1. Države članice zahtevajo, da ustanove in osebe, za katere velja ta direktiva, sprejmejo potrebne ukrepe, s katerimi zagotovijo, da se njihovi zadevni zaposleni zavedajo in poznajo določbe, ki veljajo na podlagi te direktive.

These measures shall include participation of their relevant employees in special ongoing training programmes to help them recognise operations which may be related to money laundering or terrorist financing and to instruct them as to how to proceed in such cases.

Ti ukrepi vključujejo udeležbo zaposlenih v posebnih stalnih programih usposabljanja, da bi lažje prepoznali dejavnosti, ki bi utegnile biti povezane s pranjem denarja ali financiranjem terorizma, ter da bi se naučili ukrepati v takih primerih.

Where a natural person falling within any of the categories listed in Article 2(1)(3) performs his professional activities as an employee of a legal person, the obligations in this Section shall apply to that legal person rather than to the natural person.

Kadar fizična oseba, ki spada v katero koli izmed kategorij, navedenih v členu 2(1)(3), svojo poklicno dejavnost izvaja kot zaposlena v pravni osebi, se obveznosti iz tega oddelka nanašajo na pravno osebo in ne na fizično osebo.

2. Member States shall ensure that the institutions and persons covered by this Directive have access to up-to-date information on the practices of money launderers and terrorist financers and on indications leading to the recognition of suspicious transactions.

2. Države članice zagotovijo, da imajo ustanove in osebe, za katere velja ta direktiva, dostop do najnovejših informacij o ravnanjih oseb, ki perejo denar in financirajo terorizem, kakor tudi o indikatorjih za prepoznavanje sumljivih transakcij.

3. Member States shall ensure that, wherever practicable, timely feedback on the effectiveness of and follow-up to reports of suspected money laundering or terrorist financing is provided.

3. Države članice zagotovijo, kadar je to mogoče, pravočasne povratne informacije o učinkovitosti in nadaljnjem ukrepanju v zvezi s poročili, podanimi o sumih pranja denarja in financiranja terorizma.

SECTION 2

ODDELEK 2

Supervision

Nadzor

Article 36

Člen 36

1. Member States shall provide that currency exchange offices and trust and company service providers shall be licensed or registered and casinos be licensed in order to operate their business legally. Without prejudice to future Community legislation, Member States shall provide that money transmission or remittance offices shall be licensed or registered in order to operate their business legally.

1. Države članice zagotovijo, da morajo menjalnice in družbe, ki nudijo podjetniške ali fiduciarne storitve, za zakonito poslovanje pridobiti licenco oziroma morajo biti registrirane, prav tako morajo pridobiti licenco igralnice. Brez poseganja v prihodnjo zakonodajo Skupnosti morajo organizacije za posredovanje denarja ter storitve v plačilnem prometu za zakonito poslovanje pridobiti licenco ali morajo biti registrirane.

2. Member States shall require competent authorities to refuse licensing or registration of the entities referred to in paragraph 1 if they are not satisfied that the persons who effectively direct or will direct the business of such entities or the beneficial owners of such entities are fit and proper persons.

2. Države članice zahtevajo, da pristojni organi zavrnejo registracijo ali izdajo licence subjektom iz odstavka 1, če menijo, da osebe, ki dejansko vodijo ali bodo vodile poslovanje teh subjektov, ali pa dejanski lastniki teh subjektov niso primerne osebe.

Article 37

Člen 37

1. Member States shall require the competent authorities at least to effectively monitor and to take the necessary measures with a view to ensuring compliance with the requirements of this Directive by all the institutions and persons covered by this Directive.

1. Države članice zahtevajo, da pristojni organi vsaj učinkovito nadzorujejo, če ustanove in osebe, za katere velja ta direktiva, spoštujejo zahteve te direktive, in da sprejmejo potrebne ukrepe, s katerimi zagotovijo njihovo izpolnjevanje.

2. Member States shall ensure that the competent authorities have adequate powers, including the power to compel the production of any information that is relevant to monitoring compliance and perform checks, and have adequate resources to perform their functions.

2. Države članice zagotovijo, da imajo pristojni organi ustrezna pooblastila, vključno s pristojnostjo, da zahtevajo vse podatke o spremljanju izpolnjevanja ustreznih predpisov, izvajajo nadzor in imajo ustrezna sredstva za opravljanje svojih nalog.

3. In the case of credit and financial institutions and casinos, competent authorities shall have enhanced supervisory powers, notably the possibility to conduct on-site inspections.

3. Za kreditne in finančne ustanove ter igralnice imajo pristojni organi širša pooblastila za nadzor, zlasti možnost izvajanja preverjanj na kraju samem.

4. In the case of the natural and legal persons referred to in Article 2(1)(3)(a) to (e), Member States may allow the functions referred to in paragraph 1 to be performed on a risk-sensitive basis.

4. Za fizične in pravne osebe iz člena 2(1)(3)(a) do (e) lahko države članice dovolijo opravljanje nalog iz odstavka 1 na podlagi vsakokratne ocene tveganja.

5. In the case of the persons referred to in Article 2(1)(3)(a) and (b), Member States may allow the functions referred to in paragraph 1 to be performed by self-regulatory bodies, provided that they comply with paragraph 2.

5. Za osebe iz člena 2(1)(3)(a) do (b) lahko države članice dovolijo, da naloge iz odstavka 1 opravljajo samoregulativni organi, če izpolnjujejo določbe iz odstavka 2.

SECTION 3

ODDELEK 3

Cooperation

Sodelovanje

Article 38

Člen 38

The Commission shall lend such assistance as may be needed to facilitate coordination, including the exchange of information between FIUs within the Community.

Komisija zagotovi takšno pomoč, ki je potrebna za lažje usklajevanje, vključno z izmenjavo informacij med FIU-ji v Skupnosti.

SECTION 4

ODDELEK 4

Penalties

Kazni

Article 39

Člen 39

1. Member States shall ensure that natural and legal persons covered by this Directive can be held liable for infringements of the national provisions adopted pursuant to this Directive. The penalties must be effective, proportionate and dissuasive.

1. Države članice zagotovijo, da so fizične in pravne osebe, za katere velja ta direktiva, lahko odgovorne za kršitve nacionalnih določb, sprejetih na podlagi te direktive. Kazni morajo biti učinkovite, sorazmerne in odvračilne.

2. Without prejudice to the right of Member States to impose criminal penalties, Member States shall ensure, in conformity with their national law, that the appropriate administrative measures can be taken or administrative sanctions can be imposed against credit and financial institutions for infringements of the national provisions adopted pursuant to this Directive. Member States shall ensure that these measures or sanctions are effective, proportionate and dissuasive.

2. Brez poseganja v zakonodajo držav članic v zvezi z izrekanjem kazenskih sankcij države članice v skladu s svojo nacionalno zakonodajo zagotovijo, da se pri kršitvah nacionalnih določb, sprejetih na podlagi te direktive, sprejmejo ustrezni upravni ukrepi proti kreditnim in finančnim ustanovam ali da se jim naloži sankcije, predvidene v upravnem postopku. Države članice zagotovijo, da so ti ukrepi ali sankcije učinkoviti, sorazmerni in odvračilni.

3. In the case of legal persons, Member States shall ensure that at least they can be held liable for infringements referred to in paragraph 1 which are committed for their benefit by any person, acting either individually or as part of an organ of the legal person, who has a leading position within the legal person, based on:

3. Države članice zagotovijo, da pravne osebe odgovarjajo vsaj za kršitve iz odstavka 1, ki jih v njihovo korist stori oseba, ki ravna kot posameznik ali pa kot del organa pravne osebe, njen vodilni položaj v pravni osebi pa temelji na:

(a) a power of representation of the legal person;

(a) pooblastilu za zastopanje pravne osebe,

(b) an authority to take decisions on behalf of the legal person, or

(b) pooblastilu za sprejemanje odločitev v imenu pravne osebe ali

4. In addition to the cases already provided for in paragraph 3, Member States shall ensure that legal persons can be held liable where the lack of supervision or control by a person referred to in paragraph 3 has made possible the commission of the infringements referred to in paragraph 1 for the benefit of a legal person by a person under its authority.

4. Poleg primerov iz odstavka 3 države članice zagotovijo, da pravne osebe odgovarjajo v primerih, v katerih zaradi pomanjkljivega nadzora ene od oseb iz odstavka 3 ena od oseb, ki je podrejena pravni osebi, stori kršitev iz odstavka 1 v korist pravne osebe.

CHAPTER VI

POGLAVJE VI

IMPLEMENTING MEASURES

IZVEDBENI UKREPI

Article 40

Člen 40

1. In order to take account of technical developments in the fight against money laundering or terrorist financing and to ensure uniform implementation of this Directive, the Commission may, in accordance with the procedure referred to in Article 41(2), adopt the following implementing measures:

1. Da bi v boju proti pranju denarja ali financiranju terorizma upoštevali tehnični razvoj in da bi zagotovili enotno izvajanje te direktive, lahko Komisija v skladu s postopkom iz člena 41(2), sprejme naslednje izvedbene ukrepe:

(a) clarification of the technical aspects of the definitions in Article 3(2)(a) and (d), (6), (7), (8), (9) and (10);

(a) razlago tehničnih vidikov opredelitev pojmov iz člena 3(2)(a) in (d), (6), (7), (8), (9) in (10);

(b) establishment of technical criteria for assessing whether situations represent a low risk of money laundering or terrorist financing as referred to in Article 11(2) and (5);

(b) oblikovanje tehničnih meril za presojo, ali je v primerih iz člena 11(2) in (5) tveganje pranja denarja ali financiranja terorizma neznatno;

(c) establishment of technical criteria for assessing whether situations represent a high risk of money laundering or terrorist financing as referred to in Article 13;

(c) oblikovanje tehničnih meril za presojo, ali je v primerih iz člena 13 tveganje pranja denarja ali financiranja terorizma veliko;

(d) establishment of technical criteria for assessing whether, in accordance with Article 2(2), it is justified not to apply this Directive to certain legal or natural persons carrying out a financial activity on an occasional or very limited basis.

(d) oblikovanje tehničnih meril za presojo, ali je v skladu s členom 2(2) dovoljeno, da se za nekatere pravne ali fizične osebe, ki izvajajo finančne dejavnosti, ki potekajo zgolj občasno ali v omejenem obsegu, ta direktiva ne uporablja.

2. In any event, the Commission shall adopt the first implementing measures to give effect to paragraphs 1(b) and 1(d) by 15 June 2006.

2. V vsakem primeru Komisija sprejme prve ukrepe za izvajanje odstavkov 1(b) in (d) do 15. junija 2006.

3. The Commission shall, in accordance with the procedure referred to in Article 41(2), adapt the amounts referred to in Articles 2(1)(3)(e), 7(b), 10(1) and 11(5)(a) and (d) taking into account Community legislation, economic developments and changes in international standards.

3. Komisija v skladu s postopkom iz člena 41(2), ob upoštevanju zakonodaje Skupnosti, gospodarskega napredka in sprememb mednarodnih standardov, prilagodi vsote iz členov 2(1)(3)(e), 7(b), 10(1) in 11(5)(a) in (d).

4. Where the Commission finds that a third country does not meet the conditions laid down in Article 11(1) or (2), Article 28(3), (4) or (5), or in the measures established in accordance with paragraph 1(b) of this Article or in Article 16(1)(b), or that the legislation of that third country does not permit application of the measures required under the first subparagraph of Article 31(1), it shall adopt a decision so stating in accordance with the procedure referred to in Article 41(2).

4. Če Komisija ugotovi, da tretja država ne izpolnjuje pogojev iz členov 11(1) ali (2) in 28(3), (4) ali (5) ali pogojev ukrepov, določenih v skladu z odstavkom 1(b) tega člena ali členom16(1)(b), ali da zakonodaja te tretje države ne omogoča izvajanja ukrepov iz prvega pododstavka člena 31(1), sprejme odločitev o tem po postopku iz člena 41(2).

Article 41

Člen 41

1. The Commission shall be assisted by a Committee on the Prevention of Money Laundering and Terrorist Financing, hereinafter "the Committee".

1. Komisiji pomaga Odbor za preprečevanje pranja denarja in financiranja terorizma, v nadaljevanju "odbor".

2. Where reference is made to this paragraph, Articles 5 and 7 of Decision 1999/468/EC shall apply, having regard to the provisions of Article 8 thereof and provided that the implementing measures adopted in accordance with this procedure do not modify the essential provisions of this Directive.

2. Pri sklicevanju na ta odstavek se uporabljata člena 5 in 7 Sklepa 1999/468/ES, ob upoštevanju določb člena 8 Sklepa, če po tem postopku sprejeti izvedbeni ukrepi ne spreminjajo bistvenih določb te direktive.

The period laid down in Article 5(6) of Decision 1999/468/EC shall be set at three months.

Obdobje, določeno v členu 5(6) Sklepa 1999/468/ES, je tri mesece.

3. The Committee shall adopt its Rules of Procedure.

3. Odbor sprejme svoj poslovnik.

4. Without prejudice to the implementing measures already adopted, the implementation of the provisions of this Directive concerning the adoption of technical rules and decisions in accordance with the procedure referred to in paragraph 2 shall be suspended four years after the entry into force of this Directive. On a proposal from the Commission, the European Parliament and the Council may renew the provisions concerned in accordance with the procedure laid down in Article 251 of the Treaty and, to that end, shall review them prior to the expiry of the four-year period.

4. Brez poseganja v že sprejete izvedbene ukrepe se izvajanje določb te direktive, ki predvidevajo sprejetje tehničnih pravil in odločitev v skladu s postopkom iz odstavka 2, prenehajo uporabljati štiri leta po začetku veljavnosti te direktive. Evropski parlament in Svet lahko uporabo teh določb podaljšata na predlog Komisije v skladu s postopkom iz člena 251 Pogodbe in te določbe pregledata pred iztekom obdobja štirih let.

CHAPTER VII

POGLAVJE VII

FINAL PROVISIONS

KONČNE DOLOČBE

Article 42

Člen 42

By 15 December 2009, and at least at three-yearly intervals thereafter, the Commission shall draw up a report on the implementation of this Directive and submit it to the European Parliament and the Council. For the first such report, the Commission shall include a specific examination of the treatment of lawyers and other independent legal professionals.

Do 15. decembra 2009 in nato vsaj vsaka tri leta, Komisija pripravi poročilo o izvajanju te direktive in ga predloži Evropskemu parlamentu in Svetu. V prvo takšno poročilo Komisija vključi poseben pregled ravnanja pravnikov in drugih neodvisnih pravnih strokovnjakov.

Article 43

Člen 43

By 15 December 2010, the Commission shall present a report to the European Parliament and to the Council on the threshold percentages in Article 3(6), paying particular attention to the possible expediency and consequences of a reduction of the percentage in points (a)(i), (b)(i) and (b)(iii) of Article 3(6) from 25 % to 20 %. On the basis of the report the Commission may submit a proposal for amendments to this Directive.

Komisija predloži Evropskemu parlamentu in Svetu poročilo o pragovih iz člena 3(6) do 15. decembra 2010, pri čemer upošteva zlasti možne koristi in posledice znižanja deleža iz točk (a)(i), (b)(i) in (b)(iii) člena 3(6) s 25 % na 20 %. Na podlagi poročila lahko Komisija predlaga spremembo te direktive.

Article 44

Člen 44

Directive 91/308/EEC is hereby repealed.

Direktiva 91/308/EGS se razveljavi.

References made to the repealed Directive shall be construed as being made to this Directive and should be read in accordance with the correlation table set out in the Annex.

Sklicevanja na razveljavljeno direktivo se štejejo kot sklicevanja na to direktivo v skladu s korelacijsko tabelo iz Priloge.

Article 45

Člen 45

1. Member States shall bring into force the laws, regulations and administrative provisions necessary to comply with this Directive by 15 December 2007. They shall forthwith communicate to the Commission the text of those provisions together with a table showing how the provisions of this Directive correspond to the national provisions adopted.

1. Države članice sprejmejo zakone in druge predpise, potrebne za uskladitev s to direktivo, najpozneje do 15. decembra 2007. Države članice Komisiji nemudoma predložijo besedila sprejetih predpisov in korelacijsko tabelo med temi predpisi ter določbami te direktive.

When Member States adopt those measures, they shall contain a reference to this Directive or be accompanied by such a reference on the occasion of their official publication. The methods of making such reference shall be laid down by Member States.

Države članice se v sprejetih predpisih sklicujejo na to direktivo ali pa sklic nanjo navedejo ob njihovi uradni objavi. Način sklicevanja določijo države članice.

2. Member States shall communicate to the Commission the text of the main provisions of national law which they adopt in the field covered by this Directive.

2. Države članice Komisiji predložijo besedila temeljnih predpisov nacionalne zakonodaje, sprejetih na področju, ki ga ureja ta direktiva.

Article 46

Člen 46

This Directive shall enter into force on the 20th day after its publication in the Official Journal of the European Union.

Ta direktiva začne veljati dvajseti dan po objavi v Uradnem listu Evropske unije.

Article 47

Člen 47

This Directive is addressed to the Member States.

Ta direktiva je naslovljena na države članice.

Done at Strasbourg, 26 October 2005.

V Strasbourgu, 26. oktobra 2005

For the European Parliament

Za Evropski parlament

The President

Predsednik

J. Borrell Fontelles

J. Borrell fontelles

For the Council

Za Svet

The President

Predsednik

D. Alexander

[1] Opinion delivered on 11 May 2005 (not yet published in the Official Journal).

[1] Mnenje z dne 11. maja 2005 (še ni objavljeno v Uradnem listu).

[2] OJ C 40, 17.2.2005, p. 9.

[2] UL C 40, 17.2.2005, str. 9.

[3] Opinion of the European Parliament of 26 May 2005 (not yet published in the Official Journal) and Council Decision of 19 September 2005.

[3] Mnenje Evropskega parlamenta z dne 26. maja 2005 (še ni objavljeno v Uradnem listu) in Sklep Sveta z dne 19. septembra 2005.

[4] OJ L 166, 28.6.1991, p. 77. Directive as amended by Directive 2001/97/EC of the European Parliament and of the Council (OJ L 344, 28.12.2001, p. 76).

[4] UL L 166, 28.6.1991, str. 77. Direktiva, kakor je bila spremenjena z Direktivo 2001/97/ES Evropskega parlamenta in Sveta (UL L 344, 28.12.2001, str. 76).

[5] OJ L 182, 5.7.2001, p. 1.

[5] UL L 182, 5.7.2001, str. 1.

[6] OJ L 281, 23.11.1995, p. 31. Directive as amended by Regulation (EC) No 1882/2003 (OJ L 284, 31.10.2003, p. 1).

[6] UL L 281, 23.11.1995, str. 31. Direktiva, kakor je bila spremenjena z Uredbo (ES) št. 1882/2003 (UL L 284, 31.10.2003, str. 1).

[7] OJ L 271, 24.10.2000, p. 4.

[7] UL L 271, 24.10.2000, str. 4.

[8] OJ L 184, 17.7.1999, p. 23.

[8] UL L 184, 17.7.1999, str. 23.

[9] OJ L 164, 22.6.2002, p. 3.

[9] UL L 164, 22.6.2002, str. 3.

[10] OJ L 126, 26.5.2000, p. 1. Directive as last amended by Directive 2005/1/EC (OJ L 79, 24.3.2005, p. 9).

[10] UL L 126, 26.5.2000, str. 1. Direktiva, kakor je bila nazadnje spremenjena z Direktivo 2005/1/ES (UL L 79, 24.3.2005, str. 9).

[11] OJ L 345, 19.12.2002, p. 1. Directive as last amended by Directive 2005/1/EC.

[11] UL L 345, 19.12.2002, str. 1. Direktiva, kakor je bila nazadnje spremenjena z Direktivo 2005/1/ES.

[12] OJ L 145, 30.4.2004, p. 1.

[12] UL L 145, 30.4.2004, str. 1.

[13] OJ L 9, 15.1.2003, p. 3.

[13] UL L 9, 15.1.2003, str. 3.

[14] OJ L 351, 29.12.1998, p. 1.

[14] UL L 351, 29.12.1998, str. 1.

[15] OJ C 316, 27.11.1995, p. 49.

[15] UL C 316, 27.11.1995, str. 49.

[16] OJ L 275, 27.10.2000, p. 39.

[16] UL L 275, 27.10.2000, str. 39.

[17] OJ L 35, 11.2.2003, p. 1.

[17] UL L 35, 11.2.2003, str. 1.

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ANNEX

PRILOGA

CORRELATION TABLE

KORELACIJSKA TABELA

This Directive | Directive 91/308/EEC |

Ta direktiva | Direktiva 91/308/EGS |

Article 1(1) | Article 2 |

Člen 1(1) | Člen 2 |

Article 1(2) | Article 1(C) |

Člen 1(2) | Člen 1(C) |

Article 1(2)(a) | Article 1(C) first point |

Člen 1(2)(a) | Člen 1(C) prva točka |

Article 1(2)(b) | Article 1(C) second point |

Člen 1(2)(b) | Člen 1(C) druga točka |

Article 1(2)(c) | Article 1(C) third point |

Člen 1(2)(c) | Člen 1(C) tretja točka |

Article 1(2)(d) | Article 1(C) fourth point |

Člen 1(2)(d) | Člen 1(C) četrta točka |

Article 1(3) | Article 1(C), third paragraph |

Člen 1(3) | Člen 1(C), tretji odstavek |

Article 1(4) | |

Člen 1(4) | |

Article 1(5) | Article 1(C), second paragraph |

Člen 1(5) | Člen 1(C), drugi odstavek |

Article 2(1)(1) | Article 2a(1) |

Člen 2(1)(1) | Člen 2a(1) |

Article 2(1)(2) | Article 2a(2) |

Člen 2(1)(2) | Člen 2a(2) |

Article 2(1)(3)(a), (b) and (d) to (f) | Article 2a(3) to (7) |

Člen 2(1)(3)(a), (b) in (d) do (f) | Člen 2a(3) do (7) |

Article 2(1)(3)(c) | |

Člen 2(1)(3)(c) | |

Article 2(2) | |

Člen 2(2) | |

Article 3(1) | Article 1(A) |

Člen 3(1) | Člen 1(A) |

Article 3(2)(a) | Article 1(B)(1) |

Člen 3(2)(a) | Člen 1(B)(1) |

Article 3(2)(b) | Article 1(B)(2) |

Člen 3(2)(b) | Člen 1(B)(2) |

Article 3(2)(c) | Article 1(B)(3) |

Člen 3(2)(c) | Člen 1(B)(3) |

Article 3(2)(d) | Article 1(B)(4) |

Člen 3(2)(d) | Člen 1(B)(4) |

Article 3(2)(e) | |

Člen 3(2)(e) | |

Article 3(2)(f) | Article 1(B), second paragraph |

Člen 3(2)(f) | Člen 1(B), drugi odstavek |

Article 3(3) | Article 1(D) |

Člen 3(3) | Člen 1(D) |

Article 3(4) | Article 1(E), first paragraph |

Člen 3(4) | Člen 1(E), prvi odstavek |

Article 3(5) | Article 1(E), second paragraph |

Člen 3(5) | Člen 1(E), drugi odstavek |

Article 3(5)(a) | |

Člen 3(5)(a) | |

Article 3(5)(b) | Article 1(E), first indent |

Člen 3(5)(b) | Člen 1(E), prva alinea |

Article 3(5)(c) | Article 1(E), second indent |

Člen 3(5)(c) | Člen 1(E), druga alinea |

Article 3(5)(d) | Article 1(E), third indent |

Člen 3(5)(d) | Člen 1(E), tretja alinea |

Article 3(5)(e) | Article 1(E), fourth indent |

Člen 3(5)(e) | Člen 1(E), četrta alinea |

Article 3(5)(f) | Article 1(E), fifth indent, and third paragraph |

Člen 3(5)(f) | Člen 1(E), peta alinea, in tretji odstavek |

Article 3(6) | |

Člen 3(6) | |

Article 3(7) | |

Člen 3(7) | |

Article 3(8) | |

Člen 3(8) | |

Article 3(9) | |

Člen 3(9) | |

Article 3(10) | |

Člen 3(10) | |

Article 4 | Article 12 |

Člen 4 | Člen 12 |

Article 5 | Article 15 |

Člen 5 | Člen 15 |

Article 6 | |

Člen 6 | |

Article 7(a) | Article 3(1) |

Člen 7(a) | Člen 3(1) |

Article 7(b) | Article 3(2) |

Člen 7(b) | Člen 3(2) |

Article 7(c) | Article 3(8) |

Člen 7(c) | Člen 3(8) |

Article 7(d) | Article 3(7) |

Člen 7(d) | Člen 3(7) |

Article 8(1)(a) | Article 3(1) |

Člen 8(1)(a) | Člen 3(1) |

Article 8(1)(b) to (d) | |

Člen 8(1)(b) do (d) | |

Article 8(2) | |

Člen 8(2) | |

Article 9(1) | Article 3(1) |

Člen 9(1) | Člen 3(1) |

Article 9(2) to (6) | |

Člen 9(2) do (6) | |

Article 10 | Article 3(5) and (6) |

Člen 10 | Člen 3(5) in (6) |

Article 11(1) | Article 3(9) |

Člen 11(1) | Člen 3(9) |

Article 11(2) | |

Člen 11(2) | |

Article 11(3) and (4) | |

Člen 11(3) in (4) | |

Article 11(5)(a) | Article 3(3) |

Člen 11(5)(a) | Člen 3(3) |

Article 11(5)(b) | Article 3(4) |

Člen 11(5)(b) | Člen 3(4) |

Article 11(5)(c) | Article 3(4) |

Člen 11(5)(c) | Člen 3(4) |

Article 11(5)(d) | |

Člen 11(5)(d) | |

Article 12 | |

Člen 12 | |

Article 13(1) and (2) | Article 3(10) and (11) |

Člen 13(1) in (2) | Člen 3(10) in (11) |

Article 13(3) to (5) | |

Člen 13(3) do (5) | |

Article 13(6) | Article 5 |

Člen 13(6) | Člen 5 |

Article 14 | |

Člen 14 | |

Article 15 | |

Člen 15 | |

Article 16 | |

Člen 16 | |

Article 17 | |

Člen 17 | |

Article 18 | |

Člen 18 | |

Article 19 | |

Člen 19 | |

Article 20 | Article 5 |

Člen 20 | Člen 5 |

Article 21 | |

Člen 21 | |

Article 22 | Article 6(1) and (2) |

Člen 22 | Člen 6(1) in (2) |

Article 23 | Article 6(3) |

Člen 23 | Člen 6(3) |

Article 24 | Article 7 |

Člen 24 | Člen 7 |

Article 25 | Article 10 |

Člen 25 | Člen 10 |

Article 26 | Article 9 |

Člen 26 | Člen 9 |

Article 27 | |

Člen 27 | |

Article 28(1) | Article 8(1) |

Člen 28(1) | Člen 8(1) |

Article 28(2) to (7) | |

Člen 28(2) do (7) | |

Article 29 | |

Člen 29 | |

Article 30(a) | Article 4, first indent |

Člen 30(a) | Člen 4, prva alinea |

Article 30(b) | Article 4, second indent |

Člen 30(b) | Člen 4, druga alinea |

Article 31 | |

Člen 31 | |

Article 32 | |

Člen 32 | |

Article 33 | |

Člen 33 | |

Article 34(1) | Article 11(1) (a) |

Člen 34(1) | Člen 11(1)(a) |

Article 34(2) | |

Člen 34(2) | |

Article 35(1), first paragraph | Article 11(1)(b), first sentence |

Člen 35(1), prvi odstavek | Člen 11(1)(b), prvi stavek |

Article 35(1), second paragraph | Article 11(1)(b) second sentence |

Člen 35(1), drugi odstavek | Člen 11(1)(b) drugi stavek |

Article 35(1), third paragraph | Article 11(1), second paragraph |

Člen 35(1), tretji odstavek | Člen 11(1), drugi odstavek |

Article 35(2) | |

Člen 35(2) | |

Article 35(3) | |

Člen 35(3) | |

Article 36 | |

Člen 36 | |

Article 37 | |

Člen 37 | |

Article 38 | |

Člen 38 | |

Article 39(1) | Article 14 |

Člen 39(1) | Člen 14 |

Article 39(2) to (4) | |

Člen 39(2) do (4) | |

Article 40 | |

Člen 40 | |

Article 41 | |

Člen 41 | |

Article 42 | Article 17 |

Člen 42 | Člen 17 |

Article 43 | |

Člen 43 | |

Article 44 | |

Člen 44 | |

Article 45 | Article 16 |

Člen 45 | Člen 16 |

Article 46 | Article 16 |

Člen 46 | Člen 16 |

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BG CS DA DE EL EN ES ET FI FR HU IT LT LV MT NL PL PT RO SK SL SV	BG CS DA DE EL EN ES ET FI FR HU IT LT LV MT NL PL PT RO SK SL SV
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