Parliament approves protocol with Monaco on automatic financial data exchange

The European Parliament approved the Amending Protocol to update automatic exchange of financial account information with the Principality of Monaco.

Decision

Parliament adopted the draft legislative resolution approving the conclusion of the Amending Protocol and instructed its President to forward its position to the Council, the Commission and the governments and parliaments of the Member States and of the Principality of Monaco. The text was adopted under a simplified procedure on 13.10.2025.

What Changes

The protocol aligns the Agreement with the updated Common Reporting Standard and with EU rules implemented by DAC8, extends the CRS scope to electronic money products and central bank digital currencies and updates legal references by replacing Directive 95/46/EC with the GDPR while adding safeguards because Monaco does not have an adequacy decision. It also includes provisions to ensure interaction with the Crypto‑Asset Reporting Framework, whose application by Monaco is postponed, and the CRS modifications will apply from 1 January 2026 with corresponding DAC8 provisions applying in the EU.

Who Is Affected

The measures affect EU Member States and the Principality of Monaco and cover financial-account reporting obligations including electronic money products and central bank digital currencies.

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