# Article 13 — Assessment and reporting (intermediary PSPs)

**Source:** [Regulation (EU) 2023/1113 — EUR-Lex](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX%3A32023R1113)

The intermediary payment service provider shall take into account missing information on the payer or the payee as a factor when assessing whether a transfer of funds, or any related transaction, is suspicious, and whether it is to be reported to the FIU in accordance with Directive (EU) 2015/849.

## What this means in practice

Mirror of [Art. 9](/tofr/transfer-of-funds-regulation/chapter-ii-psp-obligations/article-9-assessment-and-reporting.md) for intermediaries: missing information feeds into the AMLD5 suspicion test and may trigger an FIU report at the intermediary stage of the chain.


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