# Chapter VI — Sanctions

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

Chapter VI sets out the **enforcement regime**: how Member States must sanction breaches, what specific breaches trigger the heightened AMLD5 sanctions schedule, and how the Commission monitors application.

The chapter aligns ToFR sanctions with **AMLD5 Chapter VI, Section 4** — the same dissuasiveness, effectiveness and proportionality standards apply. Member States retain discretion to impose criminal sanctions on top of (or in lieu of) administrative ones, provided they notify the Commission.

## Articles in this chapter

| Article                                                                                                                               | Title                                                          | One-liner                                                                                                                                   |
| ------------------------------------------------------------------------------------------------------------------------------------- | -------------------------------------------------------------- | ------------------------------------------------------------------------------------------------------------------------------------------- |
| [Art. 28](/tofr/transfer-of-funds-regulation/chapter-vi-sanctions-and-monitoring/article-28-administrative-sanctions-and-measures.md) | Administrative sanctions and measures                          | Effective, proportionate, dissuasive sanctions consistent with AMLD5; legal-person liability built in.                                      |
| [Art. 29](/tofr/transfer-of-funds-regulation/chapter-vi-sanctions-and-monitoring/article-29-specific-provisions.md)                   | Specific provisions                                            | The four breach categories that trigger the AMLD5 Art. 59(2)–(3) sanctions schedule (incl. up to 10% of annual turnover for legal persons). |
| [Art. 30](/tofr/transfer-of-funds-regulation/chapter-vi-sanctions-and-monitoring/article-30-publication-of-sanctions-and-measures.md) | Publication of sanctions and measures                          | Public disclosure of sanctions imposed, in line with AMLD5 Art. 60.                                                                         |
| [Art. 31](/tofr/transfer-of-funds-regulation/chapter-vi-sanctions-and-monitoring/article-31-application-of-sanctions-and-measures.md) | Application of sanctions and measures by competent authorities | Mitigating-aggravating factors per AMLD5 Art. 60(4); right of appeal per AMLD5 Art. 62.                                                     |
| [Art. 32](/tofr/transfer-of-funds-regulation/chapter-vi-sanctions-and-monitoring/article-32-reporting-of-breaches.md)                 | Reporting of breaches                                          | Whistleblowing mechanisms inside CASPs and externally to the supervisor.                                                                    |
| [Art. 33](/tofr/transfer-of-funds-regulation/chapter-vi-sanctions-and-monitoring/article-33-monitoring.md)                            | Monitoring                                                     | Member State supervision duty + triennial Commission reports on Chapter VI application from 31 December 2026.                               |


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