By andreiarga / April 24, 2026

This report analyzes bank de-risking as a systemic risk-reallocation mechanism where financial institutions restrict access to services due to regulatory pressure and legal uncertainty. The document examines FATF standards, the European Banking Authority (EBA) position on combating unjustified account closures, and the implications of the AMLA institutional transition in 2026. It places particular emphasis on the balance between AML/CFT requirements and the right to access basic financial products.

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