{"product_id":"amlr-lyxbilar-250000-euro-kundkannedom-2027","title":"Luxury Cars 2027 – AMLR, the €250,000 Threshold, Customer Due Diligence and Reporting Log | Word\/PDF\/Excel","description":"\n\u003cp\u003e\u003cstrong\u003eAMLR for Exclusive Cars 2027 – customer due diligence, threshold amounts and secure decision-making in transactions involving high-value motor vehicles.\u003c\/strong\u003e The EU's new anti-money laundering regulation \u003cstrong\u003e(EU) 2024\/1624\u003c\/strong\u003e will generally apply from \u003cstrong\u003e10 July 2027\u003c\/strong\u003e. It covers, among others, persons who regularly or as their main professional activity trade in high-value goods. For certain sales of motor vehicles for non-commercial purposes, there is also special threshold-based reporting under \u003cstrong\u003eArticle 74\u003c\/strong\u003e. This document package is tailored for Swedish car dealers who need to assess the rules for specific transactions.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eQuick facts:\u003c\/strong\u003e 7 editable Word (DOCX) files + 7 corresponding searchable PDFs + 1 Excel (XLSX) file with nine tabs = \u003cstrong\u003e15 files in a digital ZIP\u003c\/strong\u003e. Five Swedish operational templates, a Swedish user guide and a separate English User Guide. The Swedish forms are not available as full English translations. The PDF files are printable and searchable, not digitally fillable.\u003c\/p\u003e\n\u003cdiv style=\"border:2px solid #86b1d0;border-radius:9px;background:#eaf4fb;padding:18px 20px;margin:20px 0\"\u003e\n\n\u003ch2 style=\"margin-top:0\"\u003e01. Package Contents\u003c\/h2\u003e\n\n\u003cp\u003e\u003cstrong\u003eFive business-specific templates:\u003c\/strong\u003e applicability and borderline cases, customer due diligence\/beneficial owner, vehicle transaction\/payment chain, reporting assessment under Article 74, foreign legal buyer and manual decision under Article 67. In addition, a Swedish and English guide and a separate Excel register with nine tabs and a total of 894 formula cells. 15 customer files in total.\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\u003cdiv style=\"border:2px solid #86b1d0;border-radius:9px;background:#f4f9fd;padding:18px 20px;margin:20px 0\"\u003e\n\n\u003ch2 style=\"margin-top:0\"\u003e02. What the Files Contain\u003c\/h2\u003e\n\n\u003cp\u003eSpecific fields for the dealer's business, masked vehicle ID, amount\/currency, documented exchange rate, private versus commercial purpose, identity and ownership structure via secure references, payment risks, suspicion questions, Article 74 and Article 67, and the responsible person's manual attestation. \u003cstrong\u003eExcel can only indicate that information has been recorded – never that a customer, transaction or report is legally approved.\u003c\/strong\u003e\u003c\/p\u003e\n\n\n\u003c\/div\u003e\n\u003ch2\u003eWho Can Benefit Practically from the Product?\u003c\/h2\u003e\n\u003cp\u003eSwedish dealers of exclusive cars, companies that mainly or regularly trade in particularly high-value motor vehicles, importers who sell exclusive cars, finance managers, AML\/compliance officers and internal auditors. The product is not intended for private individuals who only want to draw up a purchase agreement for a standard passenger car.\u003c\/p\u003e\n\u003ch2\u003eTwo Different €250,000 Thresholds – The Crucial Detail\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eAnnex IV\u003c\/strong\u003e to AMLR defines high-value motor vehicles using the wording \u003cstrong\u003eprice exceeding €250,000\u003c\/strong\u003e or the equivalent amount in national currency. This is relevant to the dealer's status under \u003cstrong\u003eArticle 3.3(f)\u003c\/strong\u003e. However, \u003cstrong\u003eArticle 74.1(a)\u003c\/strong\u003e uses the wording \u003cstrong\u003eat least €250,000\u003c\/strong\u003e for certain threshold-based reports when vehicles are acquired for \u003cem\u003enon-commercial purposes\u003c\/em\u003e. The wordings should not be confused.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eEspecially at exactly €250,000:\u003c\/strong\u003e Annex IV uses \"exceeding\", while Article 74 uses \"at least\". A borderline case requires a qualified manual assessment of the scope of the business, Article 3, applicable rules and the actual transaction circumstances. The package flags the case for investigation – it does not grant an automatic exemption or automatic reporting obligation.\u003c\/p\u003e\n\u003cp\u003eIf the purchase price is in SEK, an actual and documented relevant exchange rate and its date must be assessed. Excel supports calculating a \u003cem\u003epreliminary\u003c\/em\u003e euro amount from a rate entered by the user. It does not fetch live rates or determine the legally correct rate.\u003c\/p\u003e\n\u003ch2\u003eArticle 74 – Special Report to the Financial Intelligence Unit\u003c\/h2\u003e\n\u003cp\u003eAccording to \u003ca href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2024\/1624\/oj\"\u003eArticle 74.1(a)\u003c\/a\u003e, the relevant persons shall report the sale of high-value motor vehicles to the financial intelligence unit when the conditions are met, including the price being \u003cstrong\u003eat least €250,000\u003c\/strong\u003e and the purchase being for \u003cstrong\u003enon-commercial purposes\u003c\/strong\u003e. Article 74.3 refers to deadlines established by the financial intelligence unit. The official Swedish channel, format and deadline for this special reporting must be verified when actually applied in 2027. \u003cstrong\u003eThe accompanying templates are not official reporting forms.\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003eIt is important to understand that a \u003cstrong\u003ethreshold report under Article 74\u003c\/strong\u003e does not require suspicion in the same way as \u003cstrong\u003esuspicion reporting under Article 69\u003c\/strong\u003e. Even suspicions below the threshold amount may be covered by other rules. A business must not disclose to the customer that such a suspicion report is planned or made when Article 73 applies.\u003c\/p\u003e\n\u003ch2\u003eArticle 67 – Special Case When the Buyer is a Company Outside the EU\u003c\/h2\u003e\n\u003cp\u003eArticle 67 contains provisions on the registration of the beneficial owner for certain \u003cstrong\u003elegal persons established outside the EU\u003c\/strong\u003e and certain equivalent foreign arrangements. In some situations, this includes a temporary acquisition of high-value motor vehicles for non-commercial purposes. Article 67 is not a general additional registration requirement for every foreign private individual, Swedish legal person or vehicle transaction. Document 05 helps the car dealer investigate what actual buyer role and registration situation exists.\u003c\/p\u003e\n\u003ch2\u003eComplete File List – What Is Included?\u003c\/h2\u003e\n\u003cdiv style=\"overflow-x:auto\"\u003e\u003ctable style=\"border-collapse:collapse;width:100%;min-width:710px\"\u003e\n\n\u003cthead\u003e\u003ctr style=\"background:#e0effa\"\u003e\n\n\u003cth\u003eNo.\u003c\/th\u003e\n\n\u003cth\u003eFile\u003c\/th\u003e\n\n\u003cth\u003ePractical Use\u003c\/th\u003e\n\n\n\u003c\/tr\u003e\u003c\/thead\u003e\n\n\u003ctbody\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003e01\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eApplicability and €250,000\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eAssess the dealer's status and two different threshold wordings.\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003e02\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eCustomer Due Diligence and Beneficial Owner\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eSecure references to identity, ownership structure, PEP, sanctions and financing.\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003e03\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eVehicle Transaction and Payment Chain\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eSeparate the actual payer, changed recipient, currency and purpose.\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003e04\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eArticle 74 – Reporting Assessment\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eThreshold report, FIU channel and separate suspicion assessment under Article 69.\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003e05\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eArticle 67 – Foreign Buyer and Decision\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eCheck certain non-EU established legal persons and manual stop decision.\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003e06\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eSwedish User Guide\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eWorkflow, sources and three fictitious sales scenarios.\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003e07\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eEnglish User Guide\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eEnglish instructions explaining the Swedish operational documents.\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\u003ctr\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003e08\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eExcel – KYC and Sales Register\u003c\/td\u003e\n\n\u003ctd style=\"padding:9px;border-bottom:1px solid #c8d8e8;vertical-align:top\"\u003eNine tabs, 894 formula cells, status flags and document references.\u003c\/td\u003e\n\n\n\u003c\/tr\u003e\n\n\n\u003c\/tbody\u003e\n\n\n\u003c\/table\u003e\u003c\/div\u003e\n\u003ch2\u003eExcel with Nine Tabs and 894 Formulas\u003c\/h2\u003e\n\u003cp\u003e\u003cstrong\u003eStart:\u003c\/strong\u003e overview, key figures and legal warnings. \u003cstrong\u003eTransactions:\u003c\/strong\u003e internal case ID, vehicle ID and currency conversion. \u003cstrong\u003eClassification:\u003c\/strong\u003e dealer role and separate flags for Annex IV and Article 74. \u003cstrong\u003eCustomer Due Diligence:\u003c\/strong\u003e protected evidence references for identity, beneficial owner, PEP and financing. \u003cstrong\u003ePayments:\u003c\/strong\u003e transaction chain and account change. \u003cstrong\u003eArt 74:\u003c\/strong\u003e assessment of threshold and non-commercial purpose. \u003cstrong\u003eArt 67:\u003c\/strong\u003e special assessment of non-EU buyer. \u003cstrong\u003eDeviations:\u003c\/strong\u003e stop, completion and responsible case officer. \u003cstrong\u003eSources:\u003c\/strong\u003e links to official legal sources.\u003c\/p\u003e\n\u003cp\u003eThe formulas provide administrative flags: \u003cem\u003eMissing documentation\u003c\/em\u003e, \u003cem\u003eDocumentation recorded – MANUAL ASSESSMENT\u003c\/em\u003e or amount flags that specifically mark \u003cstrong\u003eexactly €250,000\u003c\/strong\u003e. Three types of tests have been carried out with fictitious internal case IDs: the threshold limit, complete fields and removed control fields. The test data is not included in the customer version and the start page shows zero cases.\u003c\/p\u003e\n\u003ch2\u003eThree Concrete Business Situations\u003c\/h2\u003e\n\u003col\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eCar for private use for €275,000.\u003c\/strong\u003e The dealer documents their business status, customer due diligence and whether Article 74 should be assessed separately from any suspicion.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003ePurchase price exactly €250,000.\u003c\/strong\u003e The seller sees that Annex IV uses \"exceeding\", Article 74 \"at least\" and sends the borderline case to the person responsible for legal assessment before a reporting decision.\u003c\/li\u003e\n\n\u003cli\u003e\n\n\u003cstrong\u003eCompany established outside the EU buys a car for €300,000 for non-commercial purposes.\u003c\/strong\u003e The business checks any Article 67 requirements, ownership structure and actual buyer role as well as payment chain and Article 74.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\u003ch2\u003eStep-by-Step: How the Documents Are Used\u003c\/h2\u003e\n\u003col\u003e\n\n\u003cli\u003eRegister a pseudonym internal business reference and document whether the company is a relevant professional trader under Article 3.3(f).\u003c\/li\u003e\n\n\u003cli\u003eAssess the amount in EUR with a verifiable rate reference and note whether the purpose is commercial or non-commercial.\u003c\/li\u003e\n\n\u003cli\u003ePerform actual KYC checks in an authorization-controlled system. Link only document references to the templates.\u003c\/li\u003e\n\n\u003cli\u003eCheck third-party payments, changed accounts, representatives, beneficial owner and risk indicators.\u003c\/li\u003e\n\n\u003cli\u003eAssess Article 74, Article 69 and any Article 67 separately. Do not use the Excel status as the final decision.\u003c\/li\u003e\n\n\u003cli\u003eDocument the responsible case officer's decision, any pause, secure FIU receipt and the next control point.\u003c\/li\u003e\n\n\n\u003c\/ol\u003e\n\u003ch2\u003eGDPR, Information Security and Confidentiality\u003c\/h2\u003e\n\u003cp\u003eThe accompanying templates are designed for \u003cstrong\u003emasked vehicle references, internal customer\/business IDs and secure document references\u003c\/strong\u003e. Full ID documents, personal identity numbers, account numbers, sensitive personal data and actual FIU reports should not be placed in this Excel workbook. Handle real AML data in authorization-controlled systems in accordance with GDPR and applicable sector rules. The Swedish Financial Police currently use \u003ca href=\"https:\/\/polisen.se\/om-polisen\/polisens-arbete\/finanspolisen\/\"\u003egoAML\u003c\/a\u003e for suspicion reporting. The package does not send any authority reports and must not be used to circumvent reporting obligations.\u003c\/p\u003e\n\u003ch2\u003eFrequently Asked Questions\u003c\/h2\u003e\n\u003ch3\u003eWill AMLR apply to luxury car transactions during 2026?\u003c\/h3\u003e\u003cp\u003eThe regulation will generally apply from 10 July 2027. Swedish anti-money laundering rules may, however, apply to certain businesses earlier. Assess the actual roles and subsequent national\/European changes.\u003c\/p\u003e\n\u003ch3\u003eIs a car for exactly €250,000 a reportable transaction?\u003c\/h3\u003e\u003cp\u003eArticle 74 uses \"at least €250,000\" and Annex IV uses \"exceeding €250,000\". The exact borderline case must be analyzed against the dealer's status under Article 3 and the entire regulatory framework; the template flags the need for legal assessment, not an automatic yes or no.\u003c\/p\u003e\n\u003ch3\u003eMust the car dealer report every car over €250,000?\u003c\/h3\u003e\u003cp\u003eNot automatically. Article 74 is linked to the relevant persons, price and the acquisition of the goods for non-commercial purposes. Suspicion reporting may separately be required under other provisions regardless of the amount.\u003c\/p\u003e\n\u003ch3\u003eIs a threshold report under Article 74 the same as a suspicion report?\u003c\/h3\u003e\u003cp\u003eNo. Threshold reporting and suspicion reporting under Article 69 have different conditions. Also keep reporting confidentiality and the relevant channels separate.\u003c\/p\u003e\n\u003ch3\u003eCan Excel automatically calculate the current euro amount from kronor?\u003c\/h3\u003e\u003cp\u003eIt can calculate based on a rate that the user themselves enters and documents. It does not fetch an exchange rate and does not automatically select which day or rate should legally be used.\u003c\/p\u003e\n\u003ch3\u003eDoes Article 67 apply to all foreign buyers?\u003c\/h3\u003e\u003cp\u003eNo. The article applies to special situations for legal persons established outside the EU and certain arrangements. It does not automatically cover all foreign private individuals.\u003c\/p\u003e\n\u003ch3\u003eCan I put passport copies and actual FIU reports in the Excel file?\u003c\/h3\u003e\u003cp\u003eNo. Use only administrative evidence references and store such data in a separate secure and authorization-controlled system.\u003c\/p\u003e\n\u003ch3\u003eAre the templates approved by the Swedish Financial Police or a lawyer?\u003c\/h3\u003e\u003cp\u003eNo. It is a practical preparation tool with AI-assisted source control. It is not an official FIU form, authority certification or independent legal review.\u003c\/p\u003e\n\u003ch2\u003eRelated Mallbutiken Products\u003c\/h2\u003e\n\u003cp\u003eFor broader processes around money laundering, PEP and customer due diligence, there is \u003ca href=\"\/en\/products\/aml-kyc-penningtvatt-compliance-2026-2027-svenska-english-riskbedomning-kyc-pep-goaml-word-pdf-excel\"\u003eAML\/KYC \u0026amp; Anti-Money Laundering Compliance\u003c\/a\u003e. For the purchase transaction itself, there is, for example, \u003ca href=\"\/en\/products\/kopekontrakt-bil-2026-privatperson\"\u003eCar Purchase Agreement – Private Individual\u003c\/a\u003e. This package is instead limited to the business's \u003cstrong\u003eAMLR control of high-value motor vehicle transactions and reporting thresholds\u003c\/strong\u003e.\u003c\/p\u003e\n\u003ch2\u003eLegal Sources and Quality Level\u003c\/h2\u003e\n\u003cp\u003e\u003ca href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2024\/1624\/oj\"\u003eEU AMLR (EU) 2024\/1624\u003c\/a\u003e – Articles 2, 3, 19–22, 67, 69, 73–74, 90 and Annex IV; \u003ca href=\"https:\/\/eur-lex.europa.eu\/EN\/legal-content\/summary\/preventing-abuse-of-the-financial-system-for-money-laundering-and-terrorism-purposes-from-2027.html\"\u003eEUR-Lex Summary\u003c\/a\u003e; \u003ca href=\"https:\/\/polisen.se\/om-polisen\/polisens-arbete\/finanspolisen\/\"\u003eSwedish Financial Police\u003c\/a\u003e; \u003ca href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2016\/679\/oj\"\u003eGDPR (EU) 2016\/679\u003c\/a\u003e. \u003cstrong\u003eVersion 1.0 · AI-assisted source review November 12, 2026.\u003c\/strong\u003e No independent legal review, official reporting channel verification for Article 74 after 2027, FIU reporting or authority approval has been carried out. Check current Swedish regulations and reporting forms before actual use.\u003c\/p\u003e","brand":"Svenska Dokumentmallar","offers":[{"title":"Default Title","offer_id":56597384954198,"sku":"AMLR-LUXCAR-250K-2027-V1","price":79.0,"currency_code":"SEK","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0827\/2373\/3846\/files\/01_amlr_lyxbilar_huvudbild_1600.png?v=1794499032","url":"https:\/\/mallbutiken.se\/en\/products\/amlr-lyxbilar-250000-euro-kundkannedom-2027","provider":"Mallbutiken","version":"1.0","type":"link"}