AMLD4 (2015/849) and AMLD5 (2018/843) built the EU AML framework that most national laws still implement today, covering risk-based CDD, beneficial ownership registers and suspicious transaction reporting, with AMLD5 extending scope to crypto-asset service providers and prepaid cards from 10 January 2020. They are superseded by the 2024 AML package, AMLR (2024/1624) and AMLD6 (2024/1640), which apply from 10 July 2027 with AMLA direct supervision from 2028. Job postings still name AMLD4 and AMLD5 by number: see the EU AML package entry for the regime that replaces them.