The glossary to understand and take action

Financial Intelligence Unit (CRF)

The CRF is Luxembourg’s financial intelligence unit within the framework for combating money laundering and terrorist financing. Obliged professionals must be familiar with the procedures arising from their obligations.

Administration ou organisme professionnel · Luxembourg Fiduciaries Editorial Team · Reviewed on

Understand the scope

Its role for your business

A suspicious transaction report is not an ordinary commercial procedure or a simple complaint against a client. It falls within a precise legal framework, particularly regarding confidentiality.

In your file

When to contact them and what to prepare

The professional must organise the detection, analysis and handling of the relevant situations according to its status and official instructions. Internal responsibilities and the retention of relevant information must be defined. Identifying the client does not replace analysis of the relationship and transactions; both aspects complement each other.

A scenario to help you understand

Educational example

An obliged professional examines an unusual transaction within its internal framework and applies the legal process corresponding to its analysis.

Fictitious situation, presented to illustrate the concept.

Prepare for what comes next

Points to check

  • Identifier les obligations du professionnel
  • Organiser le circuit d’analyse
  • Respecter la confidentialité légale

Connecting concepts

Terms to know as well

Continue with the concepts, contacts and procedures related to this topic.

Anti-money laundering — AML/CFTAnti-money laundering and counter-terrorist financing requires the professionals concerned to comply with due diligence, organisational and cooperation obligations.KYC — know your customerKYC covers customer due diligence procedures used in particular as part of anti-money laundering due diligence obligations.Beneficial ownerThe beneficial owner is the natural person identified, according to legal criteria, as ultimately owning or controlling an entity or transaction.RBEThe Register of Beneficial Owners (RBE) receives information on natural persons identified as beneficial owners of the entities concerned.

Put it into practice

Explore further with our guides

Practical guideCompany KYC file: preparing for the fiduciary’s checks

Sources and verification

References consulted on 20 September 2026. Official procedures specify the applicable conditions and exceptions.

This guide explains a general process. The applicable rules depend on your situation; it does not constitute personalised advice. Report a correction.

A definition gives you a reference point. To examine your situation, clarify your question with a professional.