# Instrument Metadata
# Output tuned for LLM consumption -- deterministic parse of the
# EUR-Lex source, no LLM involved in generation.

instrument_id: tfr
celex: "32023R1113"
eli: "http://data.europa.eu/eli/reg/2023/1113/oj"
full_title: Regulation (EU) 2023/1113 on information accompanying transfers of funds and certain crypto-assets (recast)
short_title: TFR
instrument_type: regulation
document_type: regulation
normative_weight: binding
jurisdiction: EU
effective_period:
  from: "2023-06-29"
  to: null
dates:
  adopted: "2023-05-31"
  entered_into_force: "2023-06-29"
status: in_force
legal_status: in_force
structure_levels:
  - title
  - chapter
  - article
total_articles: 40
total_recitals: 65
total_annexes: 2
definitions_article: 3
chunk_strategy: by_chapter
chunks:
  - /tfr/chunks/recitals.md
  - /tfr/chunks/tfr_t01_subject_matter_scope_and_definitions.md
  - /tfr/chunks/tfr_t02_ch01_obligations_on_the_payment_service_provi.md
  - /tfr/chunks/tfr_t02_ch02_obligations_on_the_payment_service_provi.md
  - /tfr/chunks/tfr_t02_ch03_obligations_on_intermediary_payment_serv.md
  - /tfr/chunks/tfr_t03_ch01_obligations_on_the_crypto_asset_service_.md
  - /tfr/chunks/tfr_t03_ch02_obligations_on_the_crypto_asset_service_.md
  - /tfr/chunks/tfr_t03_ch03_obligations_on_intermediary_crypto_asset.md
  - /tfr/chunks/tfr_t04_common_measures_applicable_by_payment_se.md
  - /tfr/chunks/tfr_t05_information_data_protection_and_record_r.md
  - /tfr/chunks/tfr_t06_sanctions_and_monitoring.md
  - /tfr/chunks/tfr_t07_implementing_powers.md
  - /tfr/chunks/tfr_t08_derogations.md
  - /tfr/chunks/tfr_t09_other_provisions.md
  - /tfr/chunks/tfr_t10_final_provisions.md
  - /tfr/chunks/annexes.md
key_dates:
  - date: "2023-05-31"
    type: citation
    article: "38"
    context: "…(*1) Regulation (EU) 2023/1114 of the European Parliament and of the Council of 31 May 2023 on markets in crypto-assets, and…"
  - date: "2023-05-31"
    type: lifecycle
    context: "Adopted"
  - date: "2023-06-29"
    type: lifecycle
    context: "Entered into force"
  - date: "2024-01-01"
    type: deadline
    article: "38"
    context: "…is not registered or licensed.’; (5) the following article is inserted: ‘Article 24a By 1 January 2024, EBA shall issue guidelines…"
  - date: "2024-06-30"
    type: deadline
    article: "36"
    context: "…as regards the implementation of Articles 7, 8, 11 and 12 of this Regulation. By 30 June 2024, EBA shall issue guidelines addressed…"
  - date: "2024-06-30"
    type: deadline
    article: "38"
    context: "…measures to be taken to mitigate the risks associated with the respondent entity. 3. By 30 June 2024, EBA shall issue guidelines to…"
  - date: "2024-12-30"
    type: application
    article: "38"
    context: "…the text of those measures to the Commission. They shall apply those measures from 30 December 2024.’."
  - date: "2024-12-30"
    type: application
    article: "40"
    context: "…of its publication in the Official Journal of the European Union. It shall apply from 30 December 2024."
  - date: "2024-12-30"
    type: deadline
    article: "23"
    context: "…under this Regulation. The European Banking Authority (EBA) shall issue guidelines by 30 December 2024 specifying the measures referred to…"
  - date: "2024-12-30"
    type: deadline
    article: "38"
    context: "…150, 9.6.2023, p. 1).’;\" (3) in Article 18, the following paragraphs are added: ‘5. By 30 December 2024, EBA shall issue guidelines on risk…"
  - date: "2026-07-01"
    type: review
    article: "37"
    context: "…the financial system for the purposes of money laundering or terrorist financing. 2. By 1 July 2026, the Commission, after consulting…"
  - date: "2026-12-31"
    type: review
    article: "33"
    context: "…of breaches of the provisions of this Regulation to competent authorities. 2. By 31 December 2026, and every three years thereafter,…"
  - date: "2027-06-30"
    type: review
    article: "37"
    context: "…mitigate those risks, and propose, if appropriate, amendments to this Regulation. 3. By 30 June 2027, the Commission shall submit to the…"

generated_at: "2026-09-08T12:37:01.527Z"

articles:
  - article_number: 1
    article_title: Subject matter
    chunk_file: /tfr/chunks/tfr_t01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Article 1"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - scope
      - general_provisions
      - definitions
    keywords:
      - payee
      - payer
      - transfer
      - POS
      - ITS
      - terrorist financing
      - money laundering
      - payment service provider
      - funds
      - transfer of funds
      - transfer of crypto-assets
      - crypto-asset
      - crypto-asset service provider
      - originator
    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: /tfr/chunks/tfr_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
      - crypto_assets
      - scope
      - general_provisions
      - definitions
      - payment_systems
      - securitisation
    keywords:
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - electronic money
      - card
      - POS
      - ATM
      - token
      - data
      - settlement
      - clearing
      - system
      - ITS
      - payment service provider
      - intermediary payment service provider
      - payment account
      - funds
      - 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: "2015/2366"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: directive
        reference: "2015/849"
    recitals:
      - 3

  - article_number: 3
    article_title: Definitions
    chunk_file: /tfr/chunks/tfr_t01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Article 3"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - scope
      - general_provisions
      - definitions
      - securitisation
    keywords:
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - electronic money
      - card
      - terminal
      - POS
      - ATM
      - cross-border
      - settlement
      - system
      - network
      - ITS
      - terrorist financing
      - money laundering
      - payment service provider
      - intermediary payment service provider
    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: []
    external_references:
      - instrument_type: directive
        reference: "2015/849"
      - instrument_type: directive
        reference: "2015/849"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1114"
    recitals:
      - 23

  - article_number: 4
    article_title: Information accompanying transfers of funds
    chunk_file: /tfr/chunks/tfr_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
      - crypto_assets
    keywords:
      - payee
      - payer
      - transaction
      - transfer
      - data
      - ITS
      - payment service provider
      - payment account
      - funds
      - transfer of funds
      - unique transaction identifier
      - lei
    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 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: /tfr/chunks/tfr_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
      - crypto_assets
    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:
      - 62

  - article_number: 6
    article_title: Transfers of funds to outside the Union
    chunk_file: /tfr/chunks/tfr_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
      - crypto_assets
    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: /tfr/chunks/tfr_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
      - crypto_assets
    keywords:
      - payee
      - payer
      - transaction
      - transfer
      - electronic money
      - 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"
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/849"
      - instrument_type: directive
        reference: "2015/849"
    recitals:
      - 63

  - article_number: 8
    article_title: Transfers of funds with missing or incomplete information on the payer or the payee
    chunk_file: /tfr/chunks/tfr_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
      - crypto_assets
    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 4
        paragraph: "2"
      - target: Article 5
        paragraph: "1"
      - target: Article 6
      - target: Article 7
        paragraph: "1"
    external_references:
      - instrument_type: directive
        reference: "2015/849"
    recitals:
      - 63

  - article_number: 9
    article_title: Assessment and reporting
    chunk_file: /tfr/chunks/tfr_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
      - crypto_assets
      - 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 accompanying the transfer
    chunk_file: /tfr/chunks/tfr_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
      - crypto_assets
    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: /tfr/chunks/tfr_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
      - crypto_assets
    keywords:
      - payee
      - payer
      - transfer
      - 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: /tfr/chunks/tfr_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
      - crypto_assets
    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 4
        paragraph: "2"
      - 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: /tfr/chunks/tfr_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
      - crypto_assets
      - 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: Information accompanying transfers of crypto-assets
    chunk_file: /tfr/chunks/tfr_t03_ch01_obligations_on_the_crypto_asset_service_.md
    path: "Title 3 > Chapter 1 > Article 14"
    applies_to_entities: []
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - financial_markets
      - securitisation
    keywords:
      - transaction
      - transfer
      - data
      - network
      - ITS
      - transfer of crypto-assets
      - unique transaction identifier
      - crypto-asset
      - crypto-asset service provider
      - distributed ledger address
      - crypto-asset account
      - self-hosted address
      - originator
      - beneficiary
      - lei
      - dlt
    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: regulation
        reference: "2016/679"
      - instrument_type: directive
        reference: "2015/849"
      - instrument_type: directive
        reference: "2015/849"
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 15
    article_title: Batch file transfers of crypto-assets
    chunk_file: /tfr/chunks/tfr_t03_ch01_obligations_on_the_crypto_asset_service_.md
    path: "Title 3 > Chapter 1 > Article 15"
    applies_to_entities: []
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - financial_markets
      - securitisation
    keywords:
      - transaction
      - transfer
      - transfer of crypto-assets
      - batch file transfer
      - unique transaction identifier
      - crypto-asset
      - distributed ledger address
      - crypto-asset account
      - originator
    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 14
        paragraph: "1"
      - target: Article 14
        paragraph: "2"
      - target: Article 14
        paragraph: "3"
      - target: Article 14
        paragraph: "6"
      - target: Article 14
        paragraph: "7"
    external_references: []
    recitals: []

  - article_number: 16
    article_title: Detection of missing information on the originator or the beneficiary
    chunk_file: /tfr/chunks/tfr_t03_ch02_obligations_on_the_crypto_asset_service_.md
    path: "Title 3 > Chapter 2 > Article 16"
    applies_to_entities: []
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - financial_markets
      - securitisation
    keywords:
      - transfer
      - data
      - transfer of crypto-assets
      - batch file transfer
      - crypto-asset
      - crypto-asset service provider
      - self-hosted address
      - originator
      - beneficiary
    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 14
        paragraph: "1"
      - target: Article 14
        paragraph: "2"
    external_references:
      - instrument_type: directive
        reference: "2015/849"
      - instrument_type: directive
        reference: "2015/849"
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 17
    article_title: Transfers of crypto-assets with missing or incomplete information on the originator or the beneficiary
    chunk_file: /tfr/chunks/tfr_t03_ch02_obligations_on_the_crypto_asset_service_.md
    path: "Title 3 > Chapter 2 > Article 17"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - financial_markets
      - securitisation
    keywords:
      - transfer
      - ITS
      - terrorist financing
      - money laundering
      - transfer of crypto-assets
      - crypto-asset
      - crypto-asset service provider
      - crypto-asset account
      - originator
      - beneficiary
    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 14
        paragraph: "1"
      - target: Article 15
    external_references:
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 18
    article_title: Assessment and reporting
    chunk_file: /tfr/chunks/tfr_t03_ch02_obligations_on_the_crypto_asset_service_.md
    path: "Title 3 > Chapter 2 > Article 18"
    applies_to_entities: []
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - financial_markets
      - securitisation
      - suspicious_transactions
    keywords:
      - transaction
      - transfer
      - reporting
      - transfer of crypto-assets
      - crypto-asset
      - crypto-asset service provider
      - originator
      - beneficiary
    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: 19
    article_title: Retention of information on the originator and the beneficiary accompanying the transfer
    chunk_file: /tfr/chunks/tfr_t03_ch03_obligations_on_intermediary_crypto_asset.md
    path: "Title 3 > Chapter 3 > Article 19"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - financial_markets
      - securitisation
    keywords:
      - transfer
      - transfer of crypto-assets
      - crypto-asset
      - crypto-asset service provider
      - intermediary crypto-asset service provider
      - originator
      - beneficiary
    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: 20
    article_title: Detection of missing information on the originator or the beneficiary
    chunk_file: /tfr/chunks/tfr_t03_ch03_obligations_on_intermediary_crypto_asset.md
    path: "Title 3 > Chapter 3 > Article 20"
    applies_to_entities: []
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - financial_markets
      - securitisation
    keywords:
      - transfer
      - transfer of crypto-assets
      - batch file transfer
      - crypto-asset
      - crypto-asset service provider
      - intermediary crypto-asset service provider
      - self-hosted address
      - originator
      - beneficiary
    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 14
        paragraph: "1"
      - target: Article 14
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 21
    article_title: Transfers of crypto-assets with missing information on the originator or the beneficiary
    chunk_file: /tfr/chunks/tfr_t03_ch03_obligations_on_intermediary_crypto_asset.md
    path: "Title 3 > Chapter 3 > Article 21"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - financial_markets
      - securitisation
    keywords:
      - transfer
      - ITS
      - terrorist financing
      - money laundering
      - transfer of crypto-assets
      - crypto-asset
      - crypto-asset service provider
      - intermediary crypto-asset service provider
      - originator
      - beneficiary
    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 14
        paragraph: "1"
      - target: Article 14
        paragraph: "2"
      - target: Article 15
        paragraph: "1"
    external_references:
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 22
    article_title: Assessment and reporting
    chunk_file: /tfr/chunks/tfr_t03_ch03_obligations_on_intermediary_crypto_asset.md
    path: "Title 3 > Chapter 3 > Article 22"
    applies_to_entities: []
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - financial_markets
      - securitisation
      - suspicious_transactions
    keywords:
      - transaction
      - transfer
      - reporting
      - transfer of crypto-assets
      - crypto-asset
      - crypto-asset service provider
      - intermediary crypto-asset service provider
      - originator
      - beneficiary
    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: 23
    article_title: "Internal policies, procedures and controls to ensure implementation of restrictive measures"
    chunk_file: /tfr/chunks/tfr_t04_common_measures_applicable_by_payment_se.md
    path: "Title 4 > Article 23"
    applies_to_entities:
      - payment_service_providers
      - european_banking_authority
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - financial_markets
    keywords:
      - transfer
      - EBA
      - guidelines
      - payment service provider
      - funds
      - crypto-asset
      - crypto-asset 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: []
    recitals: []

  - article_number: 24
    article_title: Provision of information
    chunk_file: /tfr/chunks/tfr_t05_information_data_protection_and_record_r.md
    path: "Title 5 > Article 24"
    applies_to_entities:
      - payment_service_providers
      - member_states
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - consumer_protection
      - data_protection
    keywords:
      - terrorist financing
      - money laundering
      - payment service provider
      - crypto-asset
      - crypto-asset 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: 25
    article_title: Data protection
    chunk_file: /tfr/chunks/tfr_t05_information_data_protection_and_record_r.md
    path: "Title 5 > Article 25"
    applies_to_entities:
      - payment_service_providers
      - european_banking_authority
      - european_commission
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - consumer_protection
      - data_protection
    keywords:
      - transaction
      - transfer
      - POS
      - data
      - access
      - EBA
      - guidelines
      - terrorist financing
      - money laundering
      - payment service provider
      - funds
      - transfer of funds
      - transfer of crypto-assets
      - crypto-asset
      - crypto-asset 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: regulation
        reference: "2018/1725"
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: regulation
        reference: "2016/679"
    recitals: []

  - article_number: 26
    article_title: Record retention
    chunk_file: /tfr/chunks/tfr_t05_information_data_protection_and_record_r.md
    path: "Title 5 > Article 26"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - consumer_protection
      - data_protection
      - securitisation
    keywords:
      - payee
      - payer
      - data
      - terrorist financing
      - money laundering
      - payment service provider
      - crypto-asset
      - crypto-asset service provider
      - originator
      - beneficiary
    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
      - target: Article 14
      - target: Article 15
      - target: Article 16
    external_references: []
    recitals: []

  - article_number: 27
    article_title: Cooperation among competent authorities
    chunk_file: /tfr/chunks/tfr_t05_information_data_protection_and_record_r.md
    path: "Title 5 > Article 27"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - consumer_protection
      - data_protection
    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: directive
        reference: "2015/849"
    recitals: []

  - article_number: 28
    article_title: Administrative sanctions and measures
    chunk_file: /tfr/chunks/tfr_t06_sanctions_and_monitoring.md
    path: "Title 6 > Article 28"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - enforcement
      - sanctions
      - liability
      - competent_authorities
      - governance
    keywords:
      - supervision
      - sanction
      - POS
      - cross-border
      - ITS
      - terrorist financing
      - payment service provider
      - crypto-asset
      - crypto-asset service provider
    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 29
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 29
    article_title: Specific provisions
    chunk_file: /tfr/chunks/tfr_t06_sanctions_and_monitoring.md
    path: "Title 6 > Article 29"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - enforcement
      - sanctions
      - securitisation
    keywords:
      - sanction
      - payee
      - payer
      - transfer
      - system
      - payment service provider
      - intermediary payment service provider
      - funds
      - transfer of funds
      - transfer of crypto-assets
      - crypto-asset
      - crypto-asset service provider
      - intermediary crypto-asset service provider
      - originator
      - beneficiary
    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 4
      - target: Article 14
      - target: Article 26
      - target: Article 8
      - target: Article 17
      - target: Article 11
      - target: Article 19
    external_references:
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 30
    article_title: Publication of sanctions and measures
    chunk_file: /tfr/chunks/tfr_t06_sanctions_and_monitoring.md
    path: "Title 6 > Article 30"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - 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 28
      - target: Article 29
    external_references:
      - instrument_type: directive
        reference: "2015/849"
    recitals: []

  - article_number: 31
    article_title: Application of sanctions and measures by competent authorities
    chunk_file: /tfr/chunks/tfr_t06_sanctions_and_monitoring.md
    path: "Title 6 > Article 31"
    applies_to_entities:
      - competent_authorities
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - 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: 32
    article_title: Reporting of breaches
    chunk_file: /tfr/chunks/tfr_t06_sanctions_and_monitoring.md
    path: "Title 6 > Article 32"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - enforcement
      - sanctions
    keywords:
      - POS
      - reporting
      - payment service provider
      - crypto-asset
      - crypto-asset 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: 33
    article_title: Monitoring
    chunk_file: /tfr/chunks/tfr_t06_sanctions_and_monitoring.md
    path: "Title 6 > Article 33"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - 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: []
    external_references: []
    recitals: []

  - article_number: 34
    article_title: Committee procedure
    chunk_file: /tfr/chunks/tfr_t07_implementing_powers.md
    path: "Title 7 > Article 34"
    applies_to_entities: []
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - 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: 35
    article_title: Agreements with countries and territories which do not form part of the territory of the Union
    chunk_file: /tfr/chunks/tfr_t08_derogations.md
    path: "Title 8 > Article 35"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - authorisation
      - implementing_acts
    keywords:
      - transfer
      - settlement
      - system
      - ITS
      - notification
      - payment service provider
      - funds
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: true
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 34
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 36
    article_title: Guidelines
    chunk_file: /tfr/chunks/tfr_t09_other_provisions.md
    path: "Title 9 > Article 36"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_service_providers
      - competent_authorities
      - european_banking_authority
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - risk_assessment
    keywords:
      - supervision
      - transaction
      - direct debit
      - ITS
      - EBA
      - guidelines
      - payment service provider
      - crypto-asset
      - crypto-asset 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
      - target: Article 14
      - target: Article 15
      - target: Article 16
      - target: Article 17
      - target: Article 19
      - target: Article 20
      - target: Article 21
      - target: Article 22
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 37
    article_title: Review
    chunk_file: /tfr/chunks/tfr_t09_other_provisions.md
    path: "Title 9 > Article 37"
    applies_to_entities:
      - payment_service_providers
      - european_commission
    topics:
      - aml
      - funds_transfer
      - crypto_assets
    keywords:
      - transaction
      - transfer
      - wallet
      - POS
      - third party
      - system
      - RTS
      - ITS
      - EBA
      - terrorist financing
      - money laundering
      - payment service provider
      - funds
      - crypto-asset
      - crypto-asset service provider
      - self-hosted address
      - dlt
    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: []

  - article_number: 38
    article_title: Amendments to Directive (EU) 2015/849
    chunk_file: /tfr/chunks/tfr_t10_final_provisions.md
    path: "Title 10 > Article 38"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - european_banking_authority
      - european_commission
      - financial_entities
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - final_provisions
      - authorisation
      - liability
      - securitisation
      - customer_due_diligence
      - beneficial_ownership
    keywords:
      - liability
      - license
      - supervision
      - sanction
      - transaction
      - transfer
      - electronic money
      - wallet
      - data
      - access
      - privacy
      - branch
      - cross-border
      - clearing
      - EBA
      - guidelines
      - terrorist financing
      - money laundering
      - payment service provider
      - funds
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      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: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1095/2010"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2019/1937"
      - instrument_type: regulation
        reference: "2023/1113"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1113"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 39
    article_title: Repeal
    chunk_file: /tfr/chunks/tfr_t10_final_provisions.md
    path: "Title 10 > Article 39"
    applies_to_entities: []
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - 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: "2015/847"
    recitals: []

  - article_number: 40
    article_title: Entry into force
    chunk_file: /tfr/chunks/tfr_t10_final_provisions.md
    path: "Title 10 > Article 40"
    applies_to_entities: []
    topics:
      - aml
      - funds_transfer
      - crypto_assets
      - 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: []