As AML supervision is organised at national level, it fails to safeguard a level playing field. This presents the risk that precisely those members states that are most active in uncovering money laundering and terrorist financing, are also the ones suffering most from reputational damage. 3  Fout! Onbekende naam voor documenteigenschap. Lastly, different member states implement European norms in different ways.
Therefore, they face a greater financial burden when hit by an unexpected event, such as the untimely death of a family member, deadly illness or injury, or loss of assets from natural disasters. The reality is that when low income households are faced with such difficulties, harsh choices are made to endure such ordeals and just to get by.