Orientamenti EBA sull’utilizzo di soluzioni di onboarding a distanza del cliente per le finalità di cui all’articolo 13, paragrafo 1, della direttiva (UE) 2015/849

The Bank of Italy has updated its Nota n. 32, originally issued on 13 June 2023, as of 28 November 2023.
The revision aims to:
1. Extend the application of the EBA Guidelines on the use of Remote Customer Onboarding Solutions under Article 13(1) of Directive (EU) 2015/849 – EBA/GL/2022/15 (eventid=18452) to include supervised institutions not initially covered by them.
2. Set a final deadline for all institutions to comply with these guidelines.
The EBA/GL/2022/15 govern the procedures and controls that institutions should implement, as well as measures to be taken in case they adopt or revise solutions for remote fulfillment of customer identification, verification, and gathering information on the purpose and nature of the relationship, as part of the customer due diligence process. The guidelines also specify the measures institutions should take if they fulfill these obligations through third parties.
The EBA/GL/2022/15 apply from:
– 2 October 2023, for banks, SIM, SGR, SICAV, SICAF, IMEL, IP.
– 1 March 2024, for financial institutions as per art. 106 TUB, micro-credit providers as per art. 111 TUB, Poste Italiane S.p.A, and CDP.
Credit and financial institutions are expected to apply the provisions of the guidelines when adopting new remote due diligence solutions or revising existing ones for the onboarding of new clients.
All institutions addressed in the Nota n. 32 are required to comply with the EBA/GL/2022/15 by no later than 2 October 2024, concerning all onboarding solutions used.