> For the complete documentation index, see [llms.txt](https://www.mica.wtf/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://www.mica.wtf/mica.wtf/tofr/transfer-of-funds-regulation/standards-and-guidelines/eba/guidelines/internal-policies-restrictive-measures-psps-casps.md).

# Restrictive Measures Guidelines (PSPs/CASPs)

> **Published:** 2024-11-14 · **Status:** In force · **Reference:** EBA/GL/2024/15 · **Applies from:** 2025-12-30 · [**Source**](https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-internal-policies-procedures-and-controls-ensure-implementation-union-and-national)

## What this document covers

These Guidelines specify what payment service providers and crypto-asset service providers should do to be able to comply with Union and national restrictive measures when performing transfers of funds or crypto-assets under Regulation (EU) 2023/1113. They are issued under the mandate in [Article 23](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iv-common-measures/article-23-internal-policies-restrictive-measures.md) of ToFR and are addressed to PSPs and CASPs. A companion set of Guidelines (EBA/GL/2024/14) is addressed to all institutions within the EBA's supervisory remit and is published in the same Final Report; only EBA/GL/2024/15 is mandated by ToFR.

## Key provisions / requirements

* Sets out the internal policies, procedures and controls PSPs and CASPs should have to comply with Union and national restrictive measures when performing transfers of funds or crypto-assets.
* Specifies measures to identify subjects of restrictive measures, including expectations on KYC, screening and due diligence.
* Requires PSPs and CASPs to ensure that no funds or crypto-assets are made available to designated persons and that no prohibited financial transactions or services are carried out.
* Addresses the risk of circumvention of restrictive measures, including in the context of transfers involving self-hosted addresses.
* Implements the EBA's mandate under [Article 23](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iv-common-measures/article-23-internal-policies-restrictive-measures.md) of Regulation (EU) 2023/1113.
* Applies from 30 December 2025, providing a transitional period for institutions to adjust their systems.

## Relevant ToFR articles

* [Article 23](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iv-common-measures/article-23-internal-policies-restrictive-measures.md) — Internal policies, procedures and controls to ensure implementation of restrictive measures.

## Source

* [EBA page](https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-internal-policies-procedures-and-controls-ensure-implementation-union-and-national)
* [Final Report PDF (EBA/GL/2024/14 and EBA/GL/2024/15)](https://www.eba.europa.eu/sites/default/files/2024-11/eaeae49d-81a5-4154-8af9-5014f6ee8881/Final%20Report%20Guidelines%20restrictive%20measures%20.pdf)


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