Source: OJ L 150, 9.6.2023, pp. 1–39

Artikel 13 Bewertung und Verdachtsmeldung

Summary What does Article 13 of the Transfer of funds regulation (TFR) say?

This brief article sits alongside Article 9, which imposes the same obligation on the payment service provider of the payee.

Article 13 extends that same principle to intermediary payment service providers, requiring them to treat missing payer or payee information as a red flag when evaluating whether a transfer of funds, or any related transaction, is suspicious and warrants reporting to the Financial Intelligence Unit (FIU).

Important points:

Intermediary payment service providers must factor in missing payer or payee information when assessing whether a transfer is suspicious.
This suspicion assessment is directly linked to the potential obligation to report to the FIU under Directive (EU) 2015/849.
The obligation covers not just the transfer itself but any related transaction.

Springlex's summary of the article, a reading aid, not a substitute for the legal text.

Bei der Bewertung, ob ein Geldtransfer oder eine damit verbundene Transaktion verdächtig ist und ob diese(r) der zentralen Meldestelle gemäß der Richtlinie (EU) 2015/849 zu melden ist, berücksichtigt der zwischengeschaltete Zahlungsdienstleister als einen Faktor, ob Angaben zum Zahler oder zum Zahlungsempfänger fehlen.

Table of contents

Springlex and this text is meant purely as a documentation tool and has no legal effect. No liability is assumed for its content. The authentic version of this act is the one published in the Official Journal of the European Union.

Relevant recitals