{"id":48776,"date":"2025-10-24T10:14:18","date_gmt":"2025-10-24T07:14:18","guid":{"rendered":"https:\/\/www.cobalt.legal\/?p=48776"},"modified":"2025-10-24T10:16:52","modified_gmt":"2025-10-24T07:16:52","slug":"noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja","status":"publish","type":"post","link":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/","title":{"rendered":"Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161an\u0101 \u2013 riskos balst\u012bta pieeja"},"content":{"rendered":"<p><strong>Eiropas Savien\u012bb\u0101 2027.gad\u0101 paredz\u0113tas v\u0113rien\u012bgas izmai\u0146as noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161anas jom\u0101. Kam\u0113r Eirop\u0101 tikai gatavojas \u0161o izmai\u0146u ievie\u0161anai, Latvij\u0101 jau dr\u012bzum\u0101 gaid\u0101mi pamat\u012bgi groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101. K\u0101 \u0161\u012bs izmai\u0146as ietekm\u0113s uz\u0146\u0113mumus un finan\u0161u sektoru?<\/strong><\/p>\n<p>Pirms tiek ieviestas b\u016btiskas izmai\u0146as klientu izp\u0113tes un dar\u012bjumu uzraudz\u012bbas k\u0101rt\u012bb\u0101, \u0146emot v\u0113r\u0101 jauno\u00a0<a href=\"https:\/\/eur-lex.europa.eu\/eli\/dir\/2024\/1640\/oj\/?locale=LV\" target=\"_blank\" rel=\"noopener\">direkt\u012bvu 2024\/1640<\/a>\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai vai teroristu finans\u0113\u0161anai (AML direkt\u012bva) un\u00a0<a href=\"https:\/\/eur-lex.europa.eu\/eli\/reg\/2024\/1624\/oj\/?locale=LV\" target=\"_blank\" rel=\"noopener\">regulu 2024\/1624<\/a>\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai un teroristu finans\u0113\u0161anai, pl\u0101notie groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101 (NIL likums) papildina un preciz\u0113 jau eso\u0161o regul\u0113jumu, stiprinot pras\u012bbu, lai likuma subjekti vair\u0101k koncentr\u0113tos uz risku b\u016bt\u012bbu, nevis form\u0101liem sliek\u0161\u0146iem vai proced\u016br\u0101m.<\/p>\n<p>Saeim\u0101 \u0161obr\u012bd tiek skat\u012bts NIL likuma groz\u012bjumu projekts, kura m\u0113r\u0137is ir stiprin\u0101t finan\u0161u nozares uzraudz\u012bbu un noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161anas sist\u0113mu. Gaid\u0101mie groz\u012bjumi paredz stiprin\u0101t klienta izp\u0113tes pras\u012bbas val\u016btas tirdzniec\u012bbas sektor\u0101, noteikt skaidr\u0101ku atbild\u012bbas sadal\u012bjumu kriptoakt\u012bvu pakalpojumu sniedz\u0113jiem un veicin\u0101t sadarb\u012bbu starp NIL likuma subjektiem, valsts un pa\u0161vald\u012bbu instit\u016bcij\u0101m un Finan\u0161u izl\u016bko\u0161anas dienestu (FID).<\/p>\n<p><span style=\"color: #9fffec;\"><strong>Val\u016btas tirdzniec\u012bba<\/strong><\/span><\/p>\n<p>NIL likuma\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/178987-noziedzigi-iegutu-lidzeklu-legalizacijas-un-terorisma-un-proliferacijas-finansesanas-noversanas-likums\/#p11\" target=\"_blank\" rel=\"noopener\">11.panta<\/a>\u00a01.da\u013cas 2.punkta c) apak\u0161punkt\u0101 noteiktais 1500 eiro robe\u017elielums paliek sp\u0113k\u0101, ta\u010du groz\u012bjumi paredz, ka klienta izp\u0113te b\u016bs j\u0101veic ar\u012b tad, ja dar\u012bjuma summa ir maz\u0101ka, ja to pamato subjekta veiktais risku nov\u0113rt\u0113jums. Tas noz\u012bm\u0113, ka val\u016btas tirdzniec\u012bbas sabiedr\u012bbai b\u016bs pien\u0101kums v\u0113rst uzman\u012bbu ne tikai uz dar\u012bjuma apjomu, bet ar\u012b uz t\u0101 b\u016bt\u012bbu. Val\u016btas tirdzniec\u012bbas sabiedr\u012bbai b\u016bs iesp\u0113ja noteikt zem\u0101ku klientu izp\u0113tes slieksni, piem\u0113rojot riskos balst\u012btu pieeju.<\/p>\n<p>Praktiski tas var noz\u012bm\u0113t, ka, ja klients atk\u0101rtoti apmaina nelielas summas (piem\u0113ram, vair\u0101kas reizes p\u0113c k\u0101rtas veic val\u016btas mai\u0146as dar\u012bjumus 1200 eiro apm\u0113r\u0101), sabiedr\u012bbai j\u0101secina, ka past\u0101v noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu struktur\u0113\u0161anas risks, un j\u0101piem\u0113ro klienta izp\u0113te. \u0160\u0101da risin\u0101juma pie\u0146em\u0161ana \u013cauj savlaic\u012bgi nov\u0113rst apzin\u0101tu m\u0113\u0123in\u0101jumu sadal\u012bt dar\u012bjumus ar m\u0113r\u0137i izvair\u012bties no likuma pras\u012bb\u0101m.<\/p>\n<p><span style=\"color: #9fffec;\"><strong>Kriptoakt\u012bvu pakalpojumi<\/strong><\/span><\/p>\n<p>Groz\u012bjumi paredz papildin\u0101t NIL likumu ar pien\u0101kumu kriptoakt\u012bvu pakalpojumu sniedz\u0113jiem iecelt divus atbild\u012bgos darbiniekus \u2013 vienu augst\u0101k\u0101s vad\u012bbas l\u012bmen\u012b, otru iek\u0161\u0113j\u0101s kontroles strukt\u016brvien\u012bb\u0101. \u0160\u0101da k\u0101rt\u012bba nodro\u0161ina skaidr\u0101ku atbild\u012bbas sadal\u012bjumu \u2013 augst\u0101k\u0101 vad\u012bba b\u016bs atbild\u012bga par strat\u0113\u0123isku pieeju un resursu nodro\u0161in\u0101\u0161anu, savuk\u0101rt iek\u0161\u0113j\u0101s kontroles strukt\u016brvien\u012bba \u2013 par ikdienas uzraudz\u012bbu un praktisko risku p\u0101rvald\u012bbas pas\u0101kumu \u012bsteno\u0161anu.<\/p>\n<p>\u0160\u0101da pieeja ir atbilsto\u0161a starptautiski atz\u012btiem standartiem, tostarp Finan\u0161u dar\u012bjumu darba grupas rekomend\u0101cij\u0101s nostiprin\u0101tajam tr\u012bs aizsargl\u012bniju principam, kur strat\u0113\u0123isk\u0101 uzraudz\u012bba, operacion\u0101l\u0101 kontrole un neatkar\u012bgs audits tiek nodal\u012bti, lai nodro\u0161in\u0101tu efekt\u012bvu risku p\u0101rvald\u012bbu.<\/p>\n<p>Praktiski tas noz\u012bm\u0113s, ka, ja kriptoakt\u012bvu pakalpojumu sniedz\u0113js re\u0123istr\u0113 p\u0101rvedumu no pa\u0161uztur\u0113tas adreses, kur pievienot\u0101 inform\u0101cija ir nepiln\u012bga, iek\u0161\u0113j\u0101s kontroles strukt\u016brvien\u012bba b\u016bs atbild\u012bga par dar\u012bjuma aptur\u0113\u0161anu vai papildu datu piepras\u012b\u0161anu, bet augst\u0101k\u0101 vad\u012bba \u2013 par to, lai uz\u0146\u0113mum\u0101 b\u016btu izstr\u0101d\u0101ta \u0161\u0101da proced\u016bra un nodro\u0161in\u0101ti resursi t\u0101s piem\u0113ro\u0161anai.<\/p>\n<p><span style=\"color: #9fffec;\"><strong>Inform\u0101cijas aprite<\/strong><\/span><\/p>\n<p>Groz\u012bjumi paredz papildin\u0101t NIL likumu ar normu, kas uzliek par pien\u0101kumu valsts un pa\u0161vald\u012bbu instit\u016bcij\u0101m nodro\u0161in\u0101t FID piek\u013cuvi datiem, tostarp izmantojot Datu izplat\u012b\u0161anas un p\u0101rvald\u012bbas platformu. Tas noz\u012bm\u0113, ka klienta izp\u0113tes proces\u0101 subjekti var\u0113s balst\u012bties ne tikai uz klienta pa\u0161a sniegto inform\u0101ciju, bet ar\u012b uz datiem, kas pieejami tie\u0161i no valsts re\u0123istriem.<\/p>\n<p>\u0160\u0101da pieeja nodro\u0161in\u0101s \u0101tr\u0101ku un kvalitat\u012bv\u0101ku klienta izp\u0113ti. Piem\u0113ram, NIL likuma subjekts var\u0113s operat\u012bvi ieg\u016bt inform\u0101ciju no valsts uztur\u0113tiem re\u0123istriem (piem\u0113ram, Sodu re\u0123istra, Valsts ie\u0146\u0113mumu dienesta re\u0123istriem u. c.). Veicot klientu izp\u0113tes, NIL likuma subjektiem \u0161\u012b ties\u012bbu norma dos iesp\u0113ju str\u0101d\u0101t ar kvalitat\u012bviem datiem, mazinot risku, ka klienta iesniegtie dokumenti var\u0113tu b\u016bt fikt\u012bvi.<\/p>\n<p>Groz\u012bjumu projekt\u0101 uzsv\u0113rts, ka NIL likuma subjektiem atgriezenisk\u0101 saikne ir b\u016btisks elements turpm\u0101ko zi\u0146ojumu par aizdom\u012bgiem dar\u012bjumiem iesnieg\u0161anas proces\u0101. Ja tas b\u016bs iesp\u0113jams un neapdraud\u0113s krimin\u0101lprocesa, valsts vai sabiedr\u012bbas intereses, FID b\u016bs pien\u0101kums sniegt atgriezenisko saiti subjektiem un uzraudz\u012bbas un kontroles instit\u016bcij\u0101m par sa\u0146emto zi\u0146ojumu kvalit\u0101ti un to izmanto\u0161anas efektivit\u0101ti. Tom\u0113r \u0161\u012b inform\u0101cija b\u016bs anonimiz\u0113ta \u2013 taj\u0101 neb\u016bs min\u0113ti konkr\u0113ti adres\u0101ti vai nor\u0101d\u012bts, k\u0101d\u0101 veid\u0101 inform\u0101cija izmantota. Piem\u0113ram, netiks atkl\u0101ts, ka zi\u0146ojums ticis nodots ties\u012bbaizsardz\u012bbas iest\u0101dei.<\/p>\n<p><span style=\"color: #9fffec;\"><strong>Izmai\u0146as terminos<\/strong><\/span><\/p>\n<p>L\u012bdz\u0161in\u0113j\u0101 NIL likuma redakcij\u0101 lietots j\u0113dziens \u201csankciju apie\u0161ana\u201d, ta\u010du groz\u012bjumi paredz to aizst\u0101t ar j\u0113dzienu \u201csankciju p\u0101rk\u0101p\u0161ana\u201d. \u0160\u012b \u0161\u0137ietami neliel\u0101 terminolo\u0123isk\u0101 izmai\u0146a ir noz\u012bm\u012bga, jo:<\/p>\n<ul class=\"chevronCircle\">\n<li>\u0161obr\u012bd Latvijas normat\u012bvajos aktos nav noteikta sankciju apie\u0161anas defin\u012bcija;<\/li>\n<li>no juridisk\u0101s kvalifik\u0101cijas viedok\u013ca sankciju apie\u0161anai ir krimin\u0101ltiesisks raksturs un tai ir t\u0101das pa\u0161as sekas k\u0101 sankciju p\u0101rk\u0101p\u0161anai Krimin\u0101llikuma\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/88966-kriminallikums\/#p84\" target=\"_blank\" rel=\"noopener\">84.panta<\/a>\u00a0izpratn\u0113.<\/li>\n<\/ul>\n<p>Ar terminu \u201capie\u0161ana\u201d praks\u0113 nereti tika saist\u012bti gad\u012bjumi, kuros persona apzin\u0101ti izmanto starpniekus, sare\u017e\u0123\u012btas dar\u012bjumu strukt\u016bras vai citus meh\u0101nismus, lai form\u0101li nep\u0101rk\u0101ptu sankcijas, bet faktiski pan\u0101ktu sankcion\u0113ta dar\u012bjuma \u012bsteno\u0161anu. Jaunais formul\u0113jums \u201csankciju p\u0101rk\u0101p\u0161ana\u201d aptver gan \u0161\u0101dus \u201capvedce\u013cus\u201d sankcion\u0113tu dar\u012bjumu izpild\u0113, gan ar\u012b tie\u0161us, nepastarpin\u0101tus p\u0101rk\u0101pumus. Tas \u013cauj piem\u0113rot vien\u0101du pieeju visiem gad\u012bjumiem, kad tiek m\u0113\u0123in\u0101ts ignor\u0113t starptautisk\u0101s vai nacion\u0101l\u0101s sankcijas.<\/p>\n<p>V\u0113sturiski NIL likuma subjektiem bija divi at\u0161\u0137ir\u012bgi zi\u0146o\u0161anas pien\u0101kumi \u2013 par sankciju p\u0101rk\u0101p\u0161anu bija j\u0101zi\u0146o Valsts dro\u0161\u012bbas dienestam, bet par aizdom\u0101m par sankciju apie\u0161anu finan\u0161u ierobe\u017eojumu izpild\u0113 \u2013 FID. \u0160obr\u012bd atbilsto\u0161i Starptautisko un Latvijas Republikas nacion\u0101lo sankciju likuma\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/280278-starptautisko-un-latvijas-republikas-nacionalo-sankciju-likums\/#p17\" target=\"_blank\" rel=\"noopener\">17.pantam<\/a>\u00a0NIL likuma subjektiem ir pien\u0101kums zi\u0146ot tikai FID, ja rodas aizdomas par sankciju p\u0101rk\u0101p\u0161anu vai p\u0101rk\u0101p\u0161anas m\u0113\u0123in\u0101jumu. T\u0101d\u0113j\u0101di \u0161\u012b terminolo\u0123isk\u0101 izmai\u0146a sal\u0101go terminolo\u0123iju ties\u012bbu aktos.<\/p>\n<p><span style=\"color: #9fffec;\"><strong>Izmai\u0146as grupas uz\u0146\u0113mumiem<\/strong><\/span><\/p>\n<p>B\u016btiski ir atg\u0101din\u0101t par iepriek\u0161\u0113jiem, 2024.gada 22.oktobra, groz\u012bjumiem NIL likum\u0101 un subjekta statusa iest\u0101\u0161anos. Lai gan groz\u012bjumos juridisk\u0101 funkcija nav tie\u0161i min\u0113ta, t\u0101 ir interpret\u0113jama l\u012bdz\u012bgi k\u0101 citas atbalsta funkcijas \u2013 ja tiek sniegti juridiskie pakalpojumi tikai grupas uz\u0146\u0113mumiem, tas netiek uzskat\u012bts par \u0101rpakalpojumu un uz to neattiecas NIL likuma subjekta pien\u0101kumi. Tiek preciz\u0113ts, k\u0101 tiek uzraudz\u012btas un defin\u0113tas \u0161\u0101das atbalsta funkcijas grupas ietvaros, no\u0161\u0137irot grupas uz\u0146\u0113mumu atbalsta darb\u012bbas no \u0101rpakalpojuma sniedz\u0113jiem.<\/p>\n<p>Vienlaikus, tas iet roku rok\u0101 ar 2024.gada 22.oktobra groz\u012bjumiem NIL likum\u0101, kas preciz\u0113ja likuma piem\u0113ro\u0161anas tv\u0113rumu uz\u0146\u0113mumu grup\u0101s. Proti, likuma\u00a0<a href=\"https:\/\/likumi.lv\/ta\/id\/178987-noziedzigi-iegutu-lidzeklu-legalizacijas-un-terorisma-un-proliferacijas-finansesanas-noversanas-likums\/#p3\" target=\"_blank\" rel=\"noopener\">3.pant\u0101<\/a>\u00a0noteikts, ka par likuma subjektiem netiek uzskat\u012bti \u0101rpakalpojuma gr\u0101matve\u017ei, ja tie sniedz pakalpojumus tikai vienai uz\u0146\u0113mumu grupai, k\u0101 ar\u012b komersanti, kas uz\u0146\u0113mumu grup\u0101 veic nekustam\u0101 \u012bpa\u0161uma dar\u012bjumu starpniec\u012bbas vai p\u0101rvald\u012b\u0161anas darb\u012bbas citam grupas komersantam, tostarp ar\u012b tad, ja \u0161ie \u012bpa\u0161umi tiek iznom\u0101ti vai iz\u012br\u0113ti tre\u0161aj\u0101m person\u0101m.<\/p>\n<p>\u0160\u0101di groz\u012bjumi ievie\u0161 diferenc\u0113tu pieeju, atbr\u012bvojot no NIL likuma pras\u012bbu piem\u0113ro\u0161anas gad\u012bjumos, kad pakalpojumi tiek sniegti tikai uz\u0146\u0113mumu grup\u0101 un p\u0113c b\u016bt\u012bbas nerada noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas riskus. Ja \u0101rpakalpojuma gr\u0101matvedis nodro\u0161ina pakalpojumus tikai vienai uz\u0146\u0113mumu grupai, piem\u0113ram, m\u0101tes sabiedr\u012bbai un t\u0101s meitas uz\u0146\u0113mumiem, \u0161\u0101ds pakalpojumu sniedz\u0113js netiks uzskat\u012bts par NIL likuma subjektu.<\/p>\n<p><span style=\"color: #9fffec;\"><strong>Stiprin\u0101s riskos balst\u012btas pieejas praksi<\/strong><\/span><\/p>\n<p>Kopum\u0101 gaid\u0101mie groz\u012bjumi NIL likum\u0101 v\u0113rt\u0113jami pozit\u012bvi, jo tie stiprina riskos balst\u012btas pieejas piem\u0113ro\u0161anu praks\u0113. Tas noz\u012bm\u0113 maz\u0101k form\u0101lu pras\u012bbu un vair\u0101k riska izv\u0113rt\u0113\u0161anas p\u0113c b\u016bt\u012bbas. \u0160\u0101da virz\u012bba atbilst starptautiskajiem standartiem, tostarp Finan\u0161u dar\u012bjumu darba grupas ieteikumiem, k\u0101 ar\u012b Latvijas Bankas vadl\u012bnij\u0101m, kas uzsver, ka noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas risku p\u0101rvald\u012bbas pas\u0101kumi j\u0101piem\u0113ro atbilsto\u0161i identific\u0113tajiem riskiem, nevis form\u0101l\u0101m pras\u012bb\u0101m. T\u0101d\u0113j\u0101di uzman\u012bbas centr\u0101 non\u0101k nevis tikai dar\u012bjuma summa vai dokumentu skaits, bet gan konkr\u0113tie apst\u0101k\u013ci un risku b\u016bt\u012bba. Efekt\u012bvas un riskos balst\u012btas iek\u0161\u0113j\u0101s kontroles sist\u0113mas politikas un proced\u016bras noz\u012bm\u0113 ne tikai augst\u0101ku atbilst\u012bbas kvalit\u0101ti, bet ar\u012b zem\u0101kas atbilst\u012bbas izmaksas, jo efektivit\u0101te samazina resursu izmaksas.<\/p>\n<p>Pozit\u012bvi v\u0113rt\u0113jams ar\u012b tas, ka groz\u012bjumi paredz FID pien\u0101kumu sniegt atgriezenisko saiti par sa\u0146emtajiem zi\u0146ojumiem. \u0160\u0101da inform\u0101cija \u013cauj NIL likuma subjektiem lab\u0101k izprast sava darba noz\u012bm\u012bgumu. Sa\u0146emot \u0161\u0101du atgriezenisko saiti, likuma subjekti apzin\u0101s, ka ar savu darbu un ties\u012bbu aktu pras\u012bbu iev\u0113ro\u0161anu tie pasarg\u0101 sevi no reput\u0101cijas, finan\u0161u un tiesiskajiem riskiem, k\u0101 ar\u012b veicina finan\u0161u sist\u0113mas kop\u0113jo dro\u0161\u012bbu. Vienlaikus groz\u012bjumi nostiprina ar\u012b kriptoakt\u012bvu pakalpojumu sniedz\u0113ju pien\u0101kumu nodro\u0161in\u0101t atbild\u012bbas sadal\u012bjumu starp vad\u012bbas un iek\u0161\u0113j\u0101s kontroles funkcij\u0101m, kas ir noz\u012bm\u012bgs priek\u0161noteikums efekt\u012bvai risku p\u0101rvald\u012bbai.<\/p>\n<p>T\u0101 viet\u0101, lai klienta izp\u0113ti uztvertu k\u0101 administrat\u012bvu pien\u0101kumu, regul\u0113jums paredz to izmantot k\u0101 praktisku instrumentu risku atpaz\u012b\u0161anai un mazin\u0101\u0161anai. L\u012bdz ar to subjektiem tiek dota skaidra nor\u0101de, ka ties\u012bbu aktu iev\u0113ro\u0161ana vienlaikus noz\u012bm\u0113 ar\u012b ieguld\u012bjumu pa\u0161u uz\u0146\u0113mumu dro\u0161\u012bb\u0101 un finan\u0161u sist\u0113mas stabilit\u0101t\u0113 kopum\u0101.<\/p>\n<p>Vienlaikus j\u0101uzsver, ka 2027.gad\u0101 Eiropas Savien\u012bb\u0101 sagaid\u0101mas b\u016btiskas p\u0101rmai\u0146as, st\u0101joties sp\u0113k\u0101 jaunajai AML direkt\u012bvai, regulai 2024\/162 un regulat\u012bvajiem tehniskajiem standartiem. Tie detaliz\u0113ti noteiks, k\u0101 \u012bstenojami pien\u0101kumi klientu izp\u0113tes, identifik\u0101cijas un dar\u012bjumu uzraudz\u012bbas jom\u0101, k\u0101 ar\u012b iek\u0161\u0113j\u0101s kontroles sist\u0113mas izveid\u0113, pilnveido\u0161an\u0101 un efekt\u012bvu risku p\u0101rvald\u012bb\u0101. Jaun\u0101s pras\u012bbas b\u016btiski at\u0161\u0137irsies no \u0161obr\u012bd sp\u0113k\u0101 eso\u0161aj\u0101m, t\u0101p\u0113c jau \u0161obr\u012bd NIL likuma subjektiem ir j\u0101s\u0101k pl\u0101not un v\u0113rt\u0113t nepiecie\u0161am\u0101s izmai\u0146as sav\u0101s iek\u0161\u0113j\u0101s kontroles sist\u0113mas politik\u0101s un proced\u016br\u0101s, lai nodro\u0161in\u0101tu savlaic\u012bgu atbilst\u012bbu jaunajam regul\u0113jumam.<\/p>\n<p><span style=\"color: #9fffec;\">Publik\u0101cija: <a style=\"color: #9fffec;\" href=\"https:\/\/ibizness.lv\/raksti\/uznemuma-vadiba\/uznemuma-vadiba\/biz-new-noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/33413?_gl=1*cnnwoq*_ga*MjE5Njc1MDkuMTc1MTUyNDU3MQ..*_ga_L5TGWFJ7G7*czE3NjEyODkzNDQkbzEzJGcwJHQxNzYxMjg5MzQ5JGo1NSRsMCRoMA..\" target=\"_blank\" rel=\"noopener\">ibizness.lv<\/a><\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Eiropas Savien\u012bb\u0101 2027.gad\u0101 paredz\u0113tas v\u0113rien\u012bgas izmai\u0146as noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161anas jom\u0101. Kam\u0113r Eirop\u0101 tikai gatavojas \u0161o izmai\u0146u ievie\u0161anai, Latvij\u0101 jau dr\u012bzum\u0101 gaid\u0101mi pamat\u012bgi groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101. K\u0101 \u0161\u012bs izmai\u0146as ietekm\u0113s..<\/p>\n","protected":false},"author":10,"featured_media":48777,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[3],"country":[96],"class_list":["post-48776","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized-lv","country-latvia-lv"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161an\u0101 \u2013 riskos balst\u012bta pieeja | COBALT<\/title>\n<meta name=\"description\" content=\"Eiropas Savien\u012bb\u0101 2027.gad\u0101 paredz\u0113tas v\u0113rien\u012bgas izmai\u0146as noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161anas jom\u0101. Kam\u0113r Eirop\u0101 tikai gatavojas \u0161o izmai\u0146u ievie\u0161anai, Latvij\u0101 jau dr\u012bzum\u0101 gaid\u0101mi pamat\u012bgi groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101. K\u0101 \u0161\u012bs izmai\u0146as ietekm\u0113s uz\u0146\u0113mumus un finan\u0161u sektoru?Pirms tiek ieviestas b\u016btiskas izmai\u0146as klientu izp\u0113tes un dar\u012bjumu uzraudz\u012bbas k\u0101rt\u012bb\u0101, \u0146emot v\u0113r\u0101 jauno\u00a0direkt\u012bvu 2024\/1640\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai vai teroristu finans\u0113\u0161anai (AML direkt\u012bva) un\u00a0regulu 2024\/1624\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai un teroristu finans\u0113\u0161anai, pl\u0101notie groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101 (NIL likums) papildina un preciz\u0113 jau eso\u0161o regul\u0113jumu, stiprinot pras\u012bbu, lai likuma subjekti vair\u0101k koncentr\u0113tos uz risku b\u016bt\u012bbu, nevis form\u0101liem sliek\u0161\u0146iem vai proced\u016br\u0101m.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/\" \/>\n<meta property=\"og:locale\" content=\"lv_LV\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161an\u0101 \u2013 riskos balst\u012bta pieeja | COBALT\" \/>\n<meta property=\"og:description\" content=\"Eiropas Savien\u012bb\u0101 2027.gad\u0101 paredz\u0113tas v\u0113rien\u012bgas izmai\u0146as noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161anas jom\u0101. Kam\u0113r Eirop\u0101 tikai gatavojas \u0161o izmai\u0146u ievie\u0161anai, Latvij\u0101 jau dr\u012bzum\u0101 gaid\u0101mi pamat\u012bgi groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101. K\u0101 \u0161\u012bs izmai\u0146as ietekm\u0113s uz\u0146\u0113mumus un finan\u0161u sektoru?Pirms tiek ieviestas b\u016btiskas izmai\u0146as klientu izp\u0113tes un dar\u012bjumu uzraudz\u012bbas k\u0101rt\u012bb\u0101, \u0146emot v\u0113r\u0101 jauno\u00a0direkt\u012bvu 2024\/1640\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai vai teroristu finans\u0113\u0161anai (AML direkt\u012bva) un\u00a0regulu 2024\/1624\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai un teroristu finans\u0113\u0161anai, pl\u0101notie groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101 (NIL likums) papildina un preciz\u0113 jau eso\u0161o regul\u0113jumu, stiprinot pras\u012bbu, lai likuma subjekti vair\u0101k koncentr\u0113tos uz risku b\u016bt\u012bbu, nevis form\u0101liem sliek\u0161\u0146iem vai proced\u016br\u0101m.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/\" \/>\n<meta property=\"og:site_name\" content=\"COBALT\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/CobaltLegal\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-10-24T07:14:18+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-10-24T07:16:52+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2025\/10\/robert-clark-iq1w0dewkp8-unsplash.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1707\" \/>\n\t<meta property=\"og:image:height\" content=\"2560\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"L\u012bva Dumpe\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"L\u012bva Dumpe\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/\"},\"author\":{\"name\":\"L\u012bva Dumpe\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#\\\/schema\\\/person\\\/6bbab99ed584e23881516eaa77c49aa3\"},\"headline\":\"Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161an\u0101 \u2013 riskos balst\u012bta pieeja\",\"datePublished\":\"2025-10-24T07:14:18+00:00\",\"dateModified\":\"2025-10-24T07:16:52+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/\"},\"wordCount\":2044,\"publisher\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/robert-clark-iq1w0dewkp8-unsplash.jpg\",\"articleSection\":[\"Uncategorized @lv\"],\"inLanguage\":\"lv-LV\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/\",\"name\":\"Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161an\u0101 \u2013 riskos balst\u012bta pieeja | COBALT\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/robert-clark-iq1w0dewkp8-unsplash.jpg\",\"datePublished\":\"2025-10-24T07:14:18+00:00\",\"dateModified\":\"2025-10-24T07:16:52+00:00\",\"description\":\"Eiropas Savien\u012bb\u0101 2027.gad\u0101 paredz\u0113tas v\u0113rien\u012bgas izmai\u0146as noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161anas jom\u0101. Kam\u0113r Eirop\u0101 tikai gatavojas \u0161o izmai\u0146u ievie\u0161anai, Latvij\u0101 jau dr\u012bzum\u0101 gaid\u0101mi pamat\u012bgi groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101. K\u0101 \u0161\u012bs izmai\u0146as ietekm\u0113s uz\u0146\u0113mumus un finan\u0161u sektoru?Pirms tiek ieviestas b\u016btiskas izmai\u0146as klientu izp\u0113tes un dar\u012bjumu uzraudz\u012bbas k\u0101rt\u012bb\u0101, \u0146emot v\u0113r\u0101 jauno\u00a0direkt\u012bvu 2024\\\/1640\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai vai teroristu finans\u0113\u0161anai (AML direkt\u012bva) un\u00a0regulu 2024\\\/1624\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai un teroristu finans\u0113\u0161anai, pl\u0101notie groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101 (NIL likums) papildina un preciz\u0113 jau eso\u0161o regul\u0113jumu, stiprinot pras\u012bbu, lai likuma subjekti vair\u0101k koncentr\u0113tos uz risku b\u016bt\u012bbu, nevis form\u0101liem sliek\u0161\u0146iem vai proced\u016br\u0101m.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/#breadcrumb\"},\"inLanguage\":\"lv-LV\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"lv-LV\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/#primaryimage\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/robert-clark-iq1w0dewkp8-unsplash.jpg\",\"contentUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2025\\\/10\\\/robert-clark-iq1w0dewkp8-unsplash.jpg\",\"width\":1707,\"height\":2560},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/news-cases\\\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161an\u0101 \u2013 riskos balst\u012bta pieeja\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#website\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/\",\"name\":\"COBALT\",\"description\":\"Top-tier law services in Estonia, Latvia and Lithuania\",\"publisher\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"lv-LV\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#organization\",\"name\":\"COBALT\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"lv-LV\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/cobalt-logo.png\",\"contentUrl\":\"https:\\\/\\\/www.cobalt.legal\\\/wp-content\\\/uploads\\\/2023\\\/04\\\/cobalt-logo.png\",\"width\":400,\"height\":116,\"caption\":\"COBALT\"},\"image\":{\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/CobaltLegal\\\/\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/#\\\/schema\\\/person\\\/6bbab99ed584e23881516eaa77c49aa3\",\"name\":\"L\u012bva Dumpe\",\"url\":\"https:\\\/\\\/www.cobalt.legal\\\/lv\\\/author\\\/liva\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161an\u0101 \u2013 riskos balst\u012bta pieeja | COBALT","description":"Eiropas Savien\u012bb\u0101 2027.gad\u0101 paredz\u0113tas v\u0113rien\u012bgas izmai\u0146as noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161anas jom\u0101. Kam\u0113r Eirop\u0101 tikai gatavojas \u0161o izmai\u0146u ievie\u0161anai, Latvij\u0101 jau dr\u012bzum\u0101 gaid\u0101mi pamat\u012bgi groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101. K\u0101 \u0161\u012bs izmai\u0146as ietekm\u0113s uz\u0146\u0113mumus un finan\u0161u sektoru?Pirms tiek ieviestas b\u016btiskas izmai\u0146as klientu izp\u0113tes un dar\u012bjumu uzraudz\u012bbas k\u0101rt\u012bb\u0101, \u0146emot v\u0113r\u0101 jauno\u00a0direkt\u012bvu 2024\/1640\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai vai teroristu finans\u0113\u0161anai (AML direkt\u012bva) un\u00a0regulu 2024\/1624\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai un teroristu finans\u0113\u0161anai, pl\u0101notie groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101 (NIL likums) papildina un preciz\u0113 jau eso\u0161o regul\u0113jumu, stiprinot pras\u012bbu, lai likuma subjekti vair\u0101k koncentr\u0113tos uz risku b\u016bt\u012bbu, nevis form\u0101liem sliek\u0161\u0146iem vai proced\u016br\u0101m.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/","og_locale":"lv_LV","og_type":"article","og_title":"Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161an\u0101 \u2013 riskos balst\u012bta pieeja | COBALT","og_description":"Eiropas Savien\u012bb\u0101 2027.gad\u0101 paredz\u0113tas v\u0113rien\u012bgas izmai\u0146as noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161anas jom\u0101. Kam\u0113r Eirop\u0101 tikai gatavojas \u0161o izmai\u0146u ievie\u0161anai, Latvij\u0101 jau dr\u012bzum\u0101 gaid\u0101mi pamat\u012bgi groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101. K\u0101 \u0161\u012bs izmai\u0146as ietekm\u0113s uz\u0146\u0113mumus un finan\u0161u sektoru?Pirms tiek ieviestas b\u016btiskas izmai\u0146as klientu izp\u0113tes un dar\u012bjumu uzraudz\u012bbas k\u0101rt\u012bb\u0101, \u0146emot v\u0113r\u0101 jauno\u00a0direkt\u012bvu 2024\/1640\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai vai teroristu finans\u0113\u0161anai (AML direkt\u012bva) un\u00a0regulu 2024\/1624\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai un teroristu finans\u0113\u0161anai, pl\u0101notie groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101 (NIL likums) papildina un preciz\u0113 jau eso\u0161o regul\u0113jumu, stiprinot pras\u012bbu, lai likuma subjekti vair\u0101k koncentr\u0113tos uz risku b\u016bt\u012bbu, nevis form\u0101liem sliek\u0161\u0146iem vai proced\u016br\u0101m.","og_url":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/","og_site_name":"COBALT","article_publisher":"https:\/\/www.facebook.com\/CobaltLegal\/","article_published_time":"2025-10-24T07:14:18+00:00","article_modified_time":"2025-10-24T07:16:52+00:00","og_image":[{"width":1707,"height":2560,"url":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2025\/10\/robert-clark-iq1w0dewkp8-unsplash.jpg","type":"image\/jpeg"}],"author":"L\u012bva Dumpe","twitter_card":"summary_large_image","twitter_misc":{"Written by":"L\u012bva Dumpe","Est. reading time":"6 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/#article","isPartOf":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/"},"author":{"name":"L\u012bva Dumpe","@id":"https:\/\/www.cobalt.legal\/lv\/#\/schema\/person\/6bbab99ed584e23881516eaa77c49aa3"},"headline":"Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161an\u0101 \u2013 riskos balst\u012bta pieeja","datePublished":"2025-10-24T07:14:18+00:00","dateModified":"2025-10-24T07:16:52+00:00","mainEntityOfPage":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/"},"wordCount":2044,"publisher":{"@id":"https:\/\/www.cobalt.legal\/lv\/#organization"},"image":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2025\/10\/robert-clark-iq1w0dewkp8-unsplash.jpg","articleSection":["Uncategorized @lv"],"inLanguage":"lv-LV"},{"@type":"WebPage","@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/","url":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/","name":"Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161an\u0101 \u2013 riskos balst\u012bta pieeja | COBALT","isPartOf":{"@id":"https:\/\/www.cobalt.legal\/lv\/#website"},"primaryImageOfPage":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/#primaryimage"},"image":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/#primaryimage"},"thumbnailUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2025\/10\/robert-clark-iq1w0dewkp8-unsplash.jpg","datePublished":"2025-10-24T07:14:18+00:00","dateModified":"2025-10-24T07:16:52+00:00","description":"Eiropas Savien\u012bb\u0101 2027.gad\u0101 paredz\u0113tas v\u0113rien\u012bgas izmai\u0146as noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161anas jom\u0101. Kam\u0113r Eirop\u0101 tikai gatavojas \u0161o izmai\u0146u ievie\u0161anai, Latvij\u0101 jau dr\u012bzum\u0101 gaid\u0101mi pamat\u012bgi groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101. K\u0101 \u0161\u012bs izmai\u0146as ietekm\u0113s uz\u0146\u0113mumus un finan\u0161u sektoru?Pirms tiek ieviestas b\u016btiskas izmai\u0146as klientu izp\u0113tes un dar\u012bjumu uzraudz\u012bbas k\u0101rt\u012bb\u0101, \u0146emot v\u0113r\u0101 jauno\u00a0direkt\u012bvu 2024\/1640\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai vai teroristu finans\u0113\u0161anai (AML direkt\u012bva) un\u00a0regulu 2024\/1624\u00a0par to, lai nepie\u013cautu finan\u0161u sist\u0113mas izmanto\u0161anu nelikum\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0113\u0161anai un teroristu finans\u0113\u0161anai, pl\u0101notie groz\u012bjumi Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas un terorisma un prolifer\u0101cijas finans\u0113\u0161anas nov\u0113r\u0161anas likum\u0101 (NIL likums) papildina un preciz\u0113 jau eso\u0161o regul\u0113jumu, stiprinot pras\u012bbu, lai likuma subjekti vair\u0101k koncentr\u0113tos uz risku b\u016bt\u012bbu, nevis form\u0101liem sliek\u0161\u0146iem vai proced\u016br\u0101m.","breadcrumb":{"@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/#breadcrumb"},"inLanguage":"lv-LV","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/"]}]},{"@type":"ImageObject","inLanguage":"lv-LV","@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/#primaryimage","url":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2025\/10\/robert-clark-iq1w0dewkp8-unsplash.jpg","contentUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2025\/10\/robert-clark-iq1w0dewkp8-unsplash.jpg","width":1707,"height":2560},{"@type":"BreadcrumbList","@id":"https:\/\/www.cobalt.legal\/lv\/news-cases\/noziedzigi-iegutu-lidzeklu-legalizacijas-noversana-riskos-balstita-pieeja\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/www.cobalt.legal\/lv\/"},{"@type":"ListItem","position":2,"name":"Noziedz\u012bgi ieg\u016btu l\u012bdzek\u013cu legaliz\u0101cijas nov\u0113r\u0161an\u0101 \u2013 riskos balst\u012bta pieeja"}]},{"@type":"WebSite","@id":"https:\/\/www.cobalt.legal\/lv\/#website","url":"https:\/\/www.cobalt.legal\/lv\/","name":"COBALT","description":"Top-tier law services in Estonia, Latvia and Lithuania","publisher":{"@id":"https:\/\/www.cobalt.legal\/lv\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.cobalt.legal\/lv\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"lv-LV"},{"@type":"Organization","@id":"https:\/\/www.cobalt.legal\/lv\/#organization","name":"COBALT","url":"https:\/\/www.cobalt.legal\/lv\/","logo":{"@type":"ImageObject","inLanguage":"lv-LV","@id":"https:\/\/www.cobalt.legal\/lv\/#\/schema\/logo\/image\/","url":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/04\/cobalt-logo.png","contentUrl":"https:\/\/www.cobalt.legal\/wp-content\/uploads\/2023\/04\/cobalt-logo.png","width":400,"height":116,"caption":"COBALT"},"image":{"@id":"https:\/\/www.cobalt.legal\/lv\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/CobaltLegal\/"]},{"@type":"Person","@id":"https:\/\/www.cobalt.legal\/lv\/#\/schema\/person\/6bbab99ed584e23881516eaa77c49aa3","name":"L\u012bva Dumpe","url":"https:\/\/www.cobalt.legal\/lv\/author\/liva\/"}]}},"_links":{"self":[{"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/posts\/48776","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/users\/10"}],"replies":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/comments?post=48776"}],"version-history":[{"count":3,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/posts\/48776\/revisions"}],"predecessor-version":[{"id":48783,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/posts\/48776\/revisions\/48783"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/media\/48777"}],"wp:attachment":[{"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/media?parent=48776"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/categories?post=48776"},{"taxonomy":"country","embeddable":true,"href":"https:\/\/www.cobalt.legal\/lv\/wp-json\/wp\/v2\/country?post=48776"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}