In relation to AML/CFT, the EBA proposed some amendments that would help address unwarranted de-risking practices by banks affecting payment and e-money institutions. It also reflects on the interplay between PSD2 and AMLD, in particular, it questions the inclusion of account information service providers as obliged entities under AMLD. The proposal suggests that certain  aspects of the passporting regime should also be clarified, including  the nature and status of agents and distributors of electronic money institutions.