> 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/travel-rule-guidelines.md). # Travel Rule Guidelines > **Published:** 2024-07-04 · **Status:** In force · **Reference:** EBA/GL/2024/11 · [**Source**](https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers) ## What this document covers These Guidelines specify the information that must accompany a transfer of funds or a transfer of certain crypto-assets under Regulation (EU) 2023/1113, and the steps that PSPs, intermediary PSPs, CASPs and intermediary CASPs should take to detect missing or incomplete information and to manage a transfer that lacks the required information. They repeal the predecessor Joint Guidelines (JC/GL/2017/16) with effect from 30 December 2024. ## Key provisions / requirements * Sets the information requirements accompanying transfers of funds and certain crypto-assets under Regulation (EU) 2023/1113. * Specifies measures PSPs and intermediary PSPs should take to implement [Articles 7](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-7-detection-of-missing-information.md), [8](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-8-transfers-with-missing-or-incomplete-information.md), [11](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-11-detection-of-missing-information.md) and [12](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-12-transfers-with-missing-information.md) of ToFR. * Specifies measures CASPs and intermediary CASPs should take to implement [Articles 14](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iii-casp-obligations/article-14-information-accompanying-transfers-of-crypto-assets.md) to 17 and [Articles 19](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iii-casp-obligations/article-19-retention-of-information.md) to 22 of ToFR. * Covers technical aspects of the application of ToFR to direct debits and to payment initiation service providers as defined in Directive (EU) 2015/2366. * Sets out a risk-based framework for detecting, suspending, rejecting or returning transfers with missing or incomplete information. * Repeals JC/GL/2017/16 with effect from 30 December 2024. ## Relevant ToFR articles * [Article 7](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-7-detection-of-missing-information.md) — Detection of missing information on the payer or the payee. * [Article 8](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-8-transfers-with-missing-or-incomplete-information.md) — Transfers of funds with missing or incomplete information on the payer or the payee. * [Article 11](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-11-detection-of-missing-information.md) — Detection of missing information (intermediary PSPs). * [Article 12](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-12-transfers-with-missing-information.md) — Transfers of funds with missing information (intermediary PSPs). * [Article 14](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iii-casp-obligations/article-14-information-accompanying-transfers-of-crypto-assets.md) — Information accompanying transfers of crypto-assets. * [Article 15](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iii-casp-obligations/article-15-batch-file-transfers.md) — Batch file transfers of crypto-assets. * [Article 16](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iii-casp-obligations/article-16-detection-of-missing-information.md) — Detection of missing information on the originator or the beneficiary. * [Article 17](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iii-casp-obligations/article-17-transfers-with-missing-or-incomplete-information.md) — Transfers of crypto-assets with missing or incomplete information. * [Article 19](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iii-casp-obligations/article-19-retention-of-information.md) — Retention of information (intermediary CASPs). * [Article 20](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iii-casp-obligations/article-20-detection-of-missing-information.md) — Detection of missing information (intermediary CASPs). * [Article 21](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iii-casp-obligations/article-21-transfers-with-missing-information.md) — Transfers of crypto-assets with missing information (intermediary CASPs). * [Article 22](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-iii-casp-obligations/article-22-assessment-and-reporting.md) — Assessment and reporting (intermediary CASPs). * [Article 36](/mica.wtf/tofr/transfer-of-funds-regulation/chapter-ix-other-provisions/article-36-guidelines.md) — Mandate for EBA to issue these Guidelines. ## Source * [EBA page](https://www.eba.europa.eu/activities/single-rulebook/regulatory-activities/anti-money-laundering-and-countering-financing-terrorism/guidelines-information-requirements-relation-transfers-funds-and-certain-crypto-assets-transfers) * [Final Report PDF (EBA/GL/2024/11)](https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf) --- # Agent Instructions This documentation is published with GitBook. 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