# Instrument Metadata # Output tuned for LLM consumption -- deterministic parse of the # EUR-Lex source, no LLM involved in generation. instrument_id: ftr celex: "32015R0847" eli: "http://data.europa.eu/eli/reg/2015/847/oj" full_title: Funds Transfer Regulation 2015/847 short_title: FTR instrument_type: regulation document_type: regulation normative_weight: binding jurisdiction: EU effective_period: from: "2015-06-25" to: null dates: adopted: "2015-05-20" entered_into_force: "2015-06-25" status: in_force structure_levels: - title - chapter - article total_articles: 27 total_recitals: 37 definitions_article: 3 chunk_strategy: by_chapter chunks: - /ftr/chunks/recitals.md - /ftr/chunks/ftr_t01_subject_matter_scope_and_definitions.md - /ftr/chunks/ftr_t02_ch01_obligations_on_the_payment_service_provi.md - /ftr/chunks/ftr_t02_ch02_obligations_on_the_payment_service_provi.md - /ftr/chunks/ftr_t02_ch03_obligations_on_intermediary_payment_serv.md - /ftr/chunks/ftr_t03_information_data_protection_and_record_r.md - /ftr/chunks/ftr_t04_sanctions_and_monitoring.md - /ftr/chunks/ftr_t05_implementing_powers.md - /ftr/chunks/ftr_t06_derogations.md - /ftr/chunks/ftr_t07_final_provisions.md generated_at: "2026-05-01T17:48:38.653Z" articles: - article_number: 1 article_title: Subject matter chunk_file: /ftr/chunks/ftr_t01_subject_matter_scope_and_definitions.md path: "Title 1 > Article 1" applies_to_entities: - payment_service_providers - consumers topics: - aml - funds_transfer - scope - general_provisions - definitions keywords: - payee - payer - transfer - POS - terrorist financing - money laundering - payment service provider - funds - transfer of funds contains: obligations: false prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 2 article_title: Scope chunk_file: /ftr/chunks/ftr_t01_subject_matter_scope_and_definitions.md path: "Title 1 > Article 2" applies_to_entities: - payment_service_providers - member_states - consumers topics: - aml - funds_transfer - scope - general_provisions - definitions - payment_systems keywords: - payee - payer - transaction - transfer - electronic money - card - POS - data - settlement - clearing - system - ITS - payment service provider - intermediary payment service provider - payment account - funds - transfer of funds - unique transaction identifier - person-to-person transfer of funds contains: obligations: true prohibitions: true permissions: true definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "2007/64/EC" - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 3 article_title: Definitions chunk_file: /ftr/chunks/ftr_t01_subject_matter_scope_and_definitions.md path: "Title 1 > Article 3" applies_to_entities: - payment_service_providers - consumers topics: - aml - funds_transfer - scope - general_provisions - definitions keywords: - consumer - payee - payer - transaction - transfer - direct debit - credit transfer - electronic money - card - POS - settlement - system - ITS - terrorist financing - money laundering - payment service provider - intermediary payment service provider - payment account - funds - transfer of funds contains: obligations: false prohibitions: false permissions: false definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 1 paragraph: "3" - target: Article 1 paragraph: "4" - target: Article 26 external_references: - instrument_type: directive reference: "2015/849" - instrument_type: directive reference: "2007/64/EC" - instrument_type: directive reference: "2009/110/EC" - instrument_type: directive reference: "2007/64/EC" - instrument_type: regulation reference: "260/2012" recitals: - 13 - article_number: 4 article_title: Information accompanying transfers of funds chunk_file: /ftr/chunks/ftr_t02_ch01_obligations_on_the_payment_service_provi.md path: "Title 2 > Chapter 1 > Article 4" applies_to_entities: - payment_service_providers - consumers topics: - aml - funds_transfer keywords: - payee - payer - transaction - transfer - data - payment service provider - payment account - funds - transfer of funds - unique transaction identifier contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 40 - target: Article 5 - target: Article 6 external_references: - instrument_type: directive reference: "2015/849" - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 5 article_title: Transfers of funds within the Union chunk_file: /ftr/chunks/ftr_t02_ch01_obligations_on_the_payment_service_provi.md path: "Title 2 > Chapter 1 > Article 5" applies_to_entities: - payment_service_providers - consumers topics: - aml - funds_transfer keywords: - payee - payer - transaction - transfer - electronic money - terrorist financing - money laundering - payment service provider - intermediary payment service provider - payment account - funds - unique transaction identifier contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 4 paragraph: "1" - target: Article 4 paragraph: "2" - target: Article 4 paragraph: "3" - target: Article 4 - target: Article 4 paragraph: "4" external_references: - instrument_type: regulation reference: "260/2012" recitals: - 34 - article_number: 6 article_title: Transfers of funds to outside the Union chunk_file: /ftr/chunks/ftr_t02_ch01_obligations_on_the_payment_service_provi.md path: "Title 2 > Chapter 1 > Article 6" applies_to_entities: - payment_service_providers - consumers topics: - aml - funds_transfer keywords: - payee - payer - transaction - transfer - electronic money - terrorist financing - money laundering - payment service provider - payment account - funds - batch file transfer - unique transaction identifier contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 4 paragraph: "1" - target: Article 4 paragraph: "2" - target: Article 4 paragraph: "3" - target: Article 4 paragraph: "4" - target: Article 4 paragraph: "5" external_references: - instrument_type: regulation reference: "260/2012" recitals: [] - article_number: 7 article_title: Detection of missing information on the payer or the payee chunk_file: /ftr/chunks/ftr_t02_ch02_obligations_on_the_payment_service_provi.md path: "Title 2 > Chapter 2 > Article 7" applies_to_entities: - payment_service_providers - consumers topics: - aml - funds_transfer keywords: - payee - payer - transaction - transfer - electronic money - POS - data - settlement - system - terrorist financing - money laundering - payment service provider - payment account - funds - transfer of funds - batch file transfer contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 5 - target: Article 4 paragraph: "1" - target: Article 4 paragraph: "2" - target: Article 69 - target: Article 70 - target: Article 40 external_references: - instrument_type: directive reference: "2007/64/EC" - instrument_type: directive reference: "2015/849" - instrument_type: directive reference: "2015/849" recitals: - 35 - article_number: 8 article_title: Transfers of funds with missing or incomplete information on the payer or the payee chunk_file: /ftr/chunks/ftr_t02_ch02_obligations_on_the_payment_service_provi.md path: "Title 2 > Chapter 2 > Article 8" applies_to_entities: - payment_service_providers - competent_authorities - consumers topics: - aml - funds_transfer keywords: - payee - payer - transfer - settlement - system - ITS - terrorist financing - money laundering - payment service provider - payment account - funds - transfer of funds contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 4 paragraph: "1" - target: Article 5 paragraph: "1" - target: Article 6 - target: Article 7 paragraph: "1" external_references: - instrument_type: directive reference: "2015/849" recitals: - 35 - article_number: 9 article_title: Assessment and reporting chunk_file: /ftr/chunks/ftr_t02_ch02_obligations_on_the_payment_service_provi.md path: "Title 2 > Chapter 2 > Article 9" applies_to_entities: - payment_service_providers - consumers topics: - aml - funds_transfer - suspicious_transactions keywords: - payee - payer - transaction - transfer - reporting - payment service provider - funds - transfer of funds contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 10 article_title: Retention of information on the payer and the payee with the transfer chunk_file: /ftr/chunks/ftr_t02_ch03_obligations_on_intermediary_payment_serv.md path: "Title 2 > Chapter 3 > Article 10" applies_to_entities: - payment_service_providers - consumers topics: - aml - funds_transfer keywords: - payee - payer - transfer - payment service provider - intermediary payment service provider - funds - transfer of funds contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 11 article_title: Detection of missing information on the payer or the payee chunk_file: /ftr/chunks/ftr_t02_ch03_obligations_on_intermediary_payment_serv.md path: "Title 2 > Chapter 3 > Article 11" applies_to_entities: - payment_service_providers - consumers topics: - aml - funds_transfer keywords: - payee - payer - transfer - POS - settlement - system - payment service provider - intermediary payment service provider - funds - transfer of funds - batch file transfer contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 5 - target: Article 4 paragraph: "1" - target: Article 4 paragraph: "2" external_references: [] recitals: [] - article_number: 12 article_title: Transfers of funds with missing information on the payer or the payee chunk_file: /ftr/chunks/ftr_t02_ch03_obligations_on_intermediary_payment_serv.md path: "Title 2 > Chapter 3 > Article 12" applies_to_entities: - payment_service_providers - competent_authorities - consumers topics: - aml - funds_transfer keywords: - payee - payer - transfer - settlement - system - ITS - terrorist financing - money laundering - payment service provider - intermediary payment service provider - funds - transfer of funds contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 4 paragraph: "1" - target: Article 5 paragraph: "1" - target: Article 6 - target: Article 7 paragraph: "1" external_references: [] recitals: [] - article_number: 13 article_title: Assessment and reporting chunk_file: /ftr/chunks/ftr_t02_ch03_obligations_on_intermediary_payment_serv.md path: "Title 2 > Chapter 3 > Article 13" applies_to_entities: - payment_service_providers - consumers topics: - aml - funds_transfer - suspicious_transactions keywords: - payee - payer - transaction - transfer - reporting - payment service provider - intermediary payment service provider - funds - transfer of funds contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 14 article_title: Provision of information chunk_file: /ftr/chunks/ftr_t03_information_data_protection_and_record_r.md path: "Title 3 > Article 14" applies_to_entities: - payment_service_providers - member_states topics: - aml - funds_transfer - consumer_protection - data_protection keywords: - terrorist financing - money laundering - payment service provider contains: obligations: true prohibitions: false permissions: false definitions: true penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 15 article_title: Data protection chunk_file: /ftr/chunks/ftr_t03_information_data_protection_and_record_r.md path: "Title 3 > Article 15" applies_to_entities: - payment_service_providers - european_commission topics: - aml - funds_transfer - consumer_protection - data_protection keywords: - transaction - POS - data - terrorist financing - money laundering - payment service provider contains: obligations: true prohibitions: true permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "95/46/EC" recitals: [] - article_number: 16 article_title: Record retention chunk_file: /ftr/chunks/ftr_t03_information_data_protection_and_record_r.md path: "Title 3 > Article 16" applies_to_entities: - payment_service_providers - member_states - consumers topics: - aml - funds_transfer - consumer_protection - data_protection keywords: - payee - payer - data - terrorist financing - money laundering - payment service provider contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 4 - target: Article 5 - target: Article 6 - target: Article 7 external_references: [] recitals: [] - article_number: 17 article_title: Administrative sanctions and measures chunk_file: /ftr/chunks/ftr_t04_sanctions_and_monitoring.md path: "Title 4 > Article 17" applies_to_entities: - member_states - competent_authorities - european_commission topics: - aml - funds_transfer - enforcement - sanctions - liability - competent_authorities - governance keywords: - supervision - sanction - POS - cross-border - ITS contains: obligations: true prohibitions: false permissions: true definitions: false penalties: true delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 18 external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 18 article_title: Specific provisions chunk_file: /ftr/chunks/ftr_t04_sanctions_and_monitoring.md path: "Title 4 > Article 18" applies_to_entities: - payment_service_providers - member_states - consumers topics: - aml - funds_transfer - enforcement - sanctions keywords: - sanction - payee - payer - system - payment service provider - intermediary payment service provider contains: obligations: true prohibitions: false permissions: false definitions: false penalties: true delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 59 paragraph: "2" - target: Article 59 paragraph: "3" - target: Article 4 - target: Article 16 - target: Article 8 - target: Article 12 - target: Article 11 external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 19 article_title: Publication of sanctions and measures chunk_file: /ftr/chunks/ftr_t04_sanctions_and_monitoring.md path: "Title 4 > Article 19" applies_to_entities: - competent_authorities topics: - aml - funds_transfer - enforcement - sanctions - competent_authorities keywords: - sanction - POS contains: obligations: true prohibitions: false permissions: false definitions: false penalties: true delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 60 paragraph: "1" - target: Article 60 paragraph: "2" - target: Article 60 paragraph: "3" - target: Article 17 - target: Article 18 external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 20 article_title: Application of sanctions and measures by the competent authorities chunk_file: /ftr/chunks/ftr_t04_sanctions_and_monitoring.md path: "Title 4 > Article 20" applies_to_entities: - competent_authorities topics: - aml - funds_transfer - enforcement - sanctions - competent_authorities keywords: - sanction - POS contains: obligations: true prohibitions: false permissions: false definitions: false penalties: true delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "2015/849" - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 21 article_title: Reporting of breaches chunk_file: /ftr/chunks/ftr_t04_sanctions_and_monitoring.md path: "Title 4 > Article 21" applies_to_entities: - payment_service_providers - member_states - competent_authorities topics: - aml - funds_transfer - enforcement - sanctions keywords: - POS - reporting - payment service provider contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 22 article_title: Monitoring chunk_file: /ftr/chunks/ftr_t04_sanctions_and_monitoring.md path: "Title 4 > Article 22" applies_to_entities: - member_states - competent_authorities - european_commission topics: - aml - funds_transfer - enforcement - sanctions keywords: - cross-border - reporting contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 17 paragraph: "3" external_references: [] recitals: [] - article_number: 23 article_title: Committee procedure chunk_file: /ftr/chunks/ftr_t05_implementing_powers.md path: "Title 5 > Article 23" applies_to_entities: [] topics: - aml - funds_transfer - committee_procedure keywords: - terrorist financing - money laundering contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: [] recitals: [] - article_number: 24 article_title: Agreements with countries and territories which do not form part of the territory of the Union chunk_file: /ftr/chunks/ftr_t06_derogations.md path: "Title 6 > Article 24" applies_to_entities: - payment_service_providers - member_states - european_commission topics: - aml - funds_transfer - authorisation keywords: - transfer - settlement - system - ITS - notification - payment service provider - funds contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 355 - target: Article 23 paragraph: "2" external_references: [] recitals: [] - article_number: 25 article_title: Guidelines chunk_file: /ftr/chunks/ftr_t06_derogations.md path: "Title 6 > Article 25" applies_to_entities: - payment_service_providers - competent_authorities topics: - aml - funds_transfer keywords: - guidelines - payment service provider contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 7 - target: Article 8 - target: Article 11 - target: Article 12 external_references: - instrument_type: regulation reference: "1093/2010" recitals: - 11 - article_number: 26 article_title: Repeal of Regulation (EC) No 1781/2006 chunk_file: /ftr/chunks/ftr_t07_final_provisions.md path: "Title 7 > Article 26" applies_to_entities: [] topics: - aml - funds_transfer - final_provisions keywords: [] contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: [] external_references: - instrument_type: regulation reference: "1781/2006" recitals: - 11 - article_number: 27 article_title: Entry into force chunk_file: /ftr/chunks/ftr_t07_final_provisions.md path: "Title 7 > Article 27" applies_to_entities: [] topics: - aml - funds_transfer - final_provisions keywords: - ITS contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: true internal_references: [] external_references: [] recitals: []