# Chapter V — Info, GDPR & records

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

Chapter V handles the three "supporting" topics that make the Travel Rule workable:

* **Provision of information** to AML authorities ([Art. 24](/tofr/transfer-of-funds-regulation/chapter-v-information-data-protection-record-retention/article-24-provision-of-information.md)).
* **Data protection** — GDPR compliance and prohibition of commercial reuse ([Art. 25](/tofr/transfer-of-funds-regulation/chapter-v-information-data-protection-record-retention/article-25-data-protection.md)).
* **Record retention** — five-year baseline with conditional five-year extension ([Art. 26](/tofr/transfer-of-funds-regulation/chapter-v-information-data-protection-record-retention/article-26-record-retention.md)).
* **Cooperation among competent authorities**, with cross-border information exchange routed through [AMLD5](https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L0849) ([Art. 27](/tofr/transfer-of-funds-regulation/chapter-v-information-data-protection-record-retention/article-27-cooperation-among-competent-authorities.md)).

## Articles in this chapter

| Article                                                                                                                                                    | Title                                   | One-liner                                                                                                                                    |
| ---------------------------------------------------------------------------------------------------------------------------------------------------------- | --------------------------------------- | -------------------------------------------------------------------------------------------------------------------------------------------- |
| [Art. 24](/tofr/transfer-of-funds-regulation/chapter-v-information-data-protection-record-retention/article-24-provision-of-information.md)                | Provision of information                | Respond fully and without delay to AML authority enquiries; use AMLD5 central contact point where appointed.                                 |
| [Art. 25](/tofr/transfer-of-funds-regulation/chapter-v-information-data-protection-record-retention/article-25-data-protection.md)                         | Data protection                         | GDPR-bound processing; **no commercial reuse**; client notice required before onboarding; EDPB & EBA guidelines for third-country transfers. |
| [Art. 26](/tofr/transfer-of-funds-regulation/chapter-v-information-data-protection-record-retention/article-26-record-retention.md)                        | Record retention                        | Five-year retention of payer/payee and originator/beneficiary information; optional further five years by Member State.                      |
| [Art. 27](/tofr/transfer-of-funds-regulation/chapter-v-information-data-protection-record-retention/article-27-cooperation-among-competent-authorities.md) | Cooperation among competent authorities | Cross-border information exchange under AMLD5.                                                                                               |


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