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En ny penningtvättslag, en effektivare penningtvättslag?

Thuresson, Cecilia LU (2016) JURM02 20161
Department of Law
Abstract (Swedish)
Penningtvätt i stor omfattning kan försvaga förtroendet för finansmarknaden, vilket på sikt kan skada hela ekonomin. Penningtvättslagen är en administrativ lagstiftning som omfattar finansiella- och andra aktörer som riskerar att utnyttjas för penningtvätt eller finansiering av terrorism. Lagen innehåller bestämmelser som dessa finansiella aktörer ska efterleva för att minska risken för att utnyttjas.

En av de aktörer som omfattas av penningtvättslagen är banker. Banker är grundläggande i en fungerande ekonomi och löper en stor risk att utnyttjas för penningtvätt. Finansinspektionen är tillsynsmyndighet för svenska bankers efterlevnad av penningtvättslagen. Under våren 2015 vidtog FI åtgärder mot två svenska storbanker som de bedömde... (More)
Penningtvätt i stor omfattning kan försvaga förtroendet för finansmarknaden, vilket på sikt kan skada hela ekonomin. Penningtvättslagen är en administrativ lagstiftning som omfattar finansiella- och andra aktörer som riskerar att utnyttjas för penningtvätt eller finansiering av terrorism. Lagen innehåller bestämmelser som dessa finansiella aktörer ska efterleva för att minska risken för att utnyttjas.

En av de aktörer som omfattas av penningtvättslagen är banker. Banker är grundläggande i en fungerande ekonomi och löper en stor risk att utnyttjas för penningtvätt. Finansinspektionen är tillsynsmyndighet för svenska bankers efterlevnad av penningtvättslagen. Under våren 2015 vidtog FI åtgärder mot två svenska storbanker som de bedömde inte efterlevde penningtvättslagen på ett tillfredsställande sätt. Bankerna riskerade därför att utnyttjas för penningtvätt och finansiering av terrorism utan att ha möjlighet att upptäcka det. FI delade ut en anmärkning och en varning, båda förenade med miljonbötesbelopp.

Brottsförebyggande rådet är en myndighet som tagit fram flera rapporter om penningtvätt. Den senaste rapporten kom i december 2015 och heter Penningtvätt och annan penninghantering. Brå har i rapporten försökt identifiera olika sektorers utsatthet och kommit med förslag åtgärder för att förhindra penningtvätt.

Sverige har en skyldighet att implementera EU:s penningtvättsdirektiv. Det fjärde penningtvättsdirektivet ska vara implementerat i svensk rätt senast sommaren 2017. Regeringen beställde därför en utredning som skulle se över den nuvarande penningtvättslagen, implementera det fjärde penningtvättsdirektivet samt se till att svenskt rätt efterlever The Financial Action Task Force’s reviderade rekommendationer. Utredningen kallas 2015-års penningtvättsutredning och de lämnade sitt betänkande till regeringen i januari 2016. Utredningen föreslår införandet av en ny penningtvättslag. Syftet med denna uppsats är att undersöka förslaget till en ny penningtvättslag och jämföra med tidigare lagstiftning. Undersökningen genomförs med bakgrund av Brå:s senaste rapport om penningtvätt och FI:s beslut mot två storbanker.

Förslaget till en ny penningtvättslagen kommer att innebära vissa förändringar. På flertalet punkter delar Brå och utredningen bedömningen av vilka risker som finns och hur dessa kan minskas. Det finns flera förslag till ändringar i utredningen som förhoppningsvis kan göra det lättare för banker att efterleva penningtvättslagen, minska penningtvätten och öka chanserna att upptäcka misstänkt penningtvätt. Samtidigt kan dessa ändringar leda till att både banker och samhället behöver utöka de resurser som används för att motverka penningtvätt. (Less)
Abstract
Large scale money laundering may weaken the confidence in the financial market, which could harm the entire economy. The Anti-Money Laundering Act is an administrative law that stipulates how financial- and other agents, who face a threat of being used for money laundering and financing of terrorism, shall act in order to reduce the risk of being used in money laundering.

Banks are one of the financial agents that need to comply with The Anti-Money Laundering Act. Banks are essential in a well-functioning economy and face a large threat of being used for money laundering and financing of terrorism. Finansinspektionen (FI) conducts supervision of Swedish banks compliance with The Anti-Money Laundering Act. During the spring of 2015 FI... (More)
Large scale money laundering may weaken the confidence in the financial market, which could harm the entire economy. The Anti-Money Laundering Act is an administrative law that stipulates how financial- and other agents, who face a threat of being used for money laundering and financing of terrorism, shall act in order to reduce the risk of being used in money laundering.

Banks are one of the financial agents that need to comply with The Anti-Money Laundering Act. Banks are essential in a well-functioning economy and face a large threat of being used for money laundering and financing of terrorism. Finansinspektionen (FI) conducts supervision of Swedish banks compliance with The Anti-Money Laundering Act. During the spring of 2015 FI took action against two large Swedish banks. FI assessed that these banks didn’t comply in a satisfactory manner with The Anti-Money Laundering Act. Therefore these banks were running the risk of being used for money laundering and financing of terrorism without having opportunity to discover it. These banks were given a remark and a warning, combined with a fine of several millions each.

The Swedish National Council for Crime Prevention (Brå) is a Swedish government agency, which has made several reports on money laundering. The most recent was published in December 2015, in which Brå tried to identify risks in different sectors and made suggestions on measures to prevent money laundering.

Sweden has an obligation to implement EU’s Anti-Money Laundering Directives. The fourth directive needs to be implemented by summer 2017, at the latest. As a consequence the Swedish government ordered a commission to review the Anti-Money Laundering Act, implement The Fourth EU Anti-Money Laundering Directive and make sure Swedish law complies with The Financial Action Task Force’s revised recommendations. The commission is called The 2015 Anti-Money Laundering Commission and they gave their report to the government in January 2016. The commission proposed the introduction of a new Anti-Money Laundering Act. The purpose of this thesis is to analyse the proposal for a new Anti-Money Laundering Act and compare it to previous legislation. The analysis is made in light of The Swedish National Council for Crime Prevention´s last report on money laundering and the actions taken against two large Swedish banks.

Some changes will be introduced in the new Anti-Money Laundering Act. The changes involve risk, in most cases Brå and the commission have a shared view on how these risks could be mitigated. Several suggestions in the commission report can hopefully make it easier for banks to comply with The Anti-Money Laundering Act, reduce the amount of money being laundered and increase chances of discovering money laundering. At the same time these changes may lead to that both banks and society need to increase the resources allocated for prevention of money laundering. (Less)
Please use this url to cite or link to this publication:
author
Thuresson, Cecilia LU
supervisor
organization
alternative title
A new Anti-Money Laundering Act, a more efficient Anti-Money Laundering Act?
course
JURM02 20161
year
type
H3 - Professional qualifications (4 Years - )
subject
keywords
Straffrätt, Penningtvätt, Finansiering av terrorism
language
Swedish
id
8874262
date added to LUP
2016-06-17 15:09:27
date last changed
2016-06-17 15:09:27
@misc{8874262,
  abstract     = {Large scale money laundering may weaken the confidence in the financial market, which could harm the entire economy. The Anti-Money Laundering Act is an administrative law that stipulates how financial- and other agents, who face a threat of being used for money laundering and financing of terrorism, shall act in order to reduce the risk of being used in money laundering. 

Banks are one of the financial agents that need to comply with The Anti-Money Laundering Act. Banks are essential in a well-functioning economy and face a large threat of being used for money laundering and financing of terrorism. Finansinspektionen (FI) conducts supervision of Swedish banks compliance with The Anti-Money Laundering Act. During the spring of 2015 FI took action against two large Swedish banks. FI assessed that these banks didn’t comply in a satisfactory manner with The Anti-Money Laundering Act. Therefore these banks were running the risk of being used for money laundering and financing of terrorism without having opportunity to discover it. These banks were given a remark and a warning, combined with a fine of several millions each.

The Swedish National Council for Crime Prevention (Brå) is a Swedish government agency, which has made several reports on money laundering. The most recent was published in December 2015, in which Brå tried to identify risks in different sectors and made suggestions on measures to prevent money laundering.

Sweden has an obligation to implement EU’s Anti-Money Laundering Directives. The fourth directive needs to be implemented by summer 2017, at the latest. As a consequence the Swedish government ordered a commission to review the Anti-Money Laundering Act, implement The Fourth EU Anti-Money Laundering Directive and make sure Swedish law complies with The Financial Action Task Force’s revised recommendations. The commission is called The 2015 Anti-Money Laundering Commission and they gave their report to the government in January 2016. The commission proposed the introduction of a new Anti-Money Laundering Act. The purpose of this thesis is to analyse the proposal for a new Anti-Money Laundering Act and compare it to previous legislation. The analysis is made in light of The Swedish National Council for Crime Prevention´s last report on money laundering and the actions taken against two large Swedish banks. 

Some changes will be introduced in the new Anti-Money Laundering Act. The changes involve risk, in most cases Brå and the commission have a shared view on how these risks could be mitigated. Several suggestions in the commission report can hopefully make it easier for banks to comply with The Anti-Money Laundering Act, reduce the amount of money being laundered and increase chances of discovering money laundering. At the same time these changes may lead to that both banks and society need to increase the resources allocated for prevention of money laundering.},
  author       = {Thuresson, Cecilia},
  keyword      = {Straffrätt,Penningtvätt,Finansiering av terrorism},
  language     = {swe},
  note         = {Student Paper},
  title        = {En ny penningtvättslag, en effektivare penningtvättslag?},
  year         = {2016},
}