Notice for Lithuanian Real Estate Agents in 2026: FNTT AML Reporting Deadline via STRIX is Approaching

When selling real estate, an Agent becomes an AML subject, including reporting requirements.

A critical regulatory deadline is rapidly approaching for real estate agents, brokers, or intermediaries operating in Lithuania.

The Financial Crime Investigation Service (FNTT) has implemented a mandatory annual reporting requirement regarding Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF) measures for the real estate sector. The absolute deadline for submitting this comprehensive report is March 31, 2026.

This isn't merely a routine transaction log; it is a vital sector-wide risk assessment, conducted via the special STRIX system, aimed at evaluating the effectiveness of AML controls within real estate businesses.

Who Must Comply?

Under the Lithuanian Law on the Prevention of Money Laundering and Terrorist Financing, real estate agents, brokers, and intermediaries are classified as "obligated entities" (įpareigotieji subjektai).

This classification means your business is directly subject to AML/CTF regulations, and failure to comply with this new reporting mandate can have severe consequences.

The FNTT is utilizing the STRIX system for this reporting cycle. The process is digital and questionnaire-based. Here is the timeline established for the 2026 reporting window:

Key Date	Action / Milestone
January 19, 2026	FNTT began sending out email invitations with unique login links to the STRIX platform. These were sent to the official business email addresses registered with the Center of Registers (Registrų centras) or VMI.
February 10, 2026	FNTT conducted specialized training sessions for RE agents regarding the STRIX questionnaire.
February 17, 2026	The deadline for agents who did not receive an invitation to proactively contact the FNTT to update their contact information.
March 31, 2026	The Final Submission Deadline. The questionnaire must be completed and submitted by this date.

What Information Must Be Reported?

The STRIX questionnaire is designed to assess how your business identifies and mitigates money laundering risks. You will need to provide detailed information on:

1. Internal AML/CTF Policies: Documentation regarding your internal controls and risk management procedures.

2. Know Your Customer (KYC): Details on how you implement customer due diligence and identify beneficial owners.

3. Appointed Officers: Information about the designated person(s) responsible for AML compliance within your organization.

4. High-Value Transactions: Data specifically concerning high-value real estate transactions (especially those involving cash payments or high monthly rents exceeding €10,000).

5. Proof of AML training: Specifically focused training that covers main methodologies and procedures for AML compliance, and not only that, but also sanctions-related activities.

This reporting mandate is in accordance to The Lithuanian Law on the Prevention of Money Laundering and Terrorist Financing and FNTT Director’s Order No. V-262 (issued November 6, 2025): Specifically titled "Dėl Nekilnojamojo turto agentų... informacijos, susijusios su pinigų plovimo ir (arba) teroristų finansavimo prevencijos priemonių įgyvendinimą, teikimo FNTT tvarkos aprašo patvirtinimo."

Failure to submit the required information by the March 31, 2026, deadline constitutes a serious violation of AML laws. This can lead to significant administrative fines, heightened regulatory scrutiny, and potential inclusion on the FNTT’s list of high-risk entities for future audits. In the past, we have seen the fines start in mid-4-figures and climb into 5-figures. While this task is rather formal but mandatory, it is strongly recommended to take further actions.

Do not delay your compliance with this requirement, taking the following steps:

1. Search Your Inbox: Check your official business email account (and spam folder) for an email from FNTT containing your unique STRIX login link.

2. Contact FNTT Support (If link is missing): If you are an active RE agent and have not received an invitation, email aml_support@fntt.lt immediately to update your details and request access.

3. Review Official Guidance: Consult the "STRIX AML" user manual available on the FNTT website.

4. Prepare & Submit: Allocate sufficient time to complete the questionnaire accurately and submit it well before March 31, 2026.

For anyone in need of expert assistance navigating the STRIX system or ensuring your AML policies are compliant with Lithuanian law. CAML.lt specializes in practical AML solutions for the real estate sector and other niche markets. We have filed more than 100 STRIX reports in the past year. For further information, do not hesitate to reach out office@caml.lt