EBA has published the responses received to the  European Supervisory Authorities’ (ESAs – ESMA, EBA and EIOPA jointly) two sets of anti-money laundering and countering the financing of terrorism (AML/CFT) guidelines (see FReD 23 October 2015). These risk-based supervision and risk-factors guidelines are to be made under the Fourth Money Laundering Directive (MLD4). EBA has made almost 50 responses and opinions available from a range of investment associations and industry participants. JMLSG was among the respondents, making a number of comments on the context and clarity of several parts of the draft. (Source: EBA Publishes Responses to ESAs AML/CTF Guidelines)