Source: OJ L 150, 9.6.2023, pp. 1–39

Article 13 Évaluation et déclaration

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.

Le prestataire de services de paiement intermédiaire prend en compte les informations manquantes sur le donneur d’ordre ou le bénéficiaire de fonds comme un facteur pour apprécier si un transfert de fonds, ou toute transaction qui s’y rattache, présente un caractère suspect et doit être déclaré à la CRF conformément à la directive (UE) 2015/849.

Table of contents

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Relevant recitals