西班牙更新反洗钱规章：皇家法令修订11项金融规章、10月28日生效
西班牙官方公报10月8日刊登第813/2026号皇家法令，修改金融领域多项皇家法令，以适应当行有效的监管框架。该法令由第一副首相兼经济、贸易与企业部部长提出，经10月6日内阁会议审议通过，将于10月28日生效。
法令的核心是更新反洗钱与反恐怖融资规则，特别是修改执行第10/2010号法律的规章。经济部在法令说明中表示，修订是为了应对近年来出现的新风险、新手法和技术进步，并满足西班牙作为金融行动特别工作组成员应遵守的国际要求；该组织对西班牙的相互评估将于2026年启动，将全面审查西班牙的反洗钱与反恐怖融资框架。
按新规，在线博彩等行业的核查要求同步收紧，包括核对玩家账户持有人与支付工具持有人是否一致，以减少冒用他人支付手段的风险。法令共十一条，另有一项附加条款、三项过渡条款、一项废止条款和四项最终条款，涉及的修订对象包括多部与支付、金融机构监管相关的旧规章。
官方公报同日还刊登了其他例行决议。金融业机构将按法令的过渡安排调整内部流程，迎接10月28日的生效日期。（来源：西班牙经济、贸易与企业部）
Spain Updates Anti-Money-Laundering Rules: Royal Decree Amends 11 Financial Regulations, in Force October 28
Spain's Official State Gazette published Royal Decree 813/2026 on October 8, amending a series of royal decrees in the financial sector to bring them into line with the current regulatory framework. The decree, proposed by the First Vice-President and Minister of Economy, Trade and Business and deliberated by the Council of Ministers on October 6, enters into force on October 28.
Its core is an update of the rules against money laundering and terrorist financing, in particular the regulation implementing Law 10/2010. The ministry explains that the revision responds to new risks, methods and technological advances of recent years, and to the international requirements Spain must meet as a member of the Financial Action Task Force, whose mutual evaluation of Spain will begin in 2026 with a full review of the country's anti-money-laundering framework.
The new rules also tighten checks in sectors such as online gambling, including verifying that a gaming account holder matches the holder of the payment method used, to reduce the misuse of third-party payment instruments. The decree has eleven articles, one additional provision, three transitional provisions, one repealing provision and four final provisions, amending older regulations on payments and financial supervision.
Financial institutions will adjust their internal procedures under the decree's transitional arrangements ahead of the October 28 entry into force. (Source: Ministry of Economy, Trade and Business, Spain)
来源：西班牙经济、贸易与企业部
发布：GSM·美国（发布链接）
图片来源：图：西班牙银行总部大楼，位于马德里（资料图）。Wikimedia Commons 开放授权。 / Photo: Bank of Spain headquarters in Madrid (file photo). Wikimedia Commons, open license.
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