{
  "url": "https://openlegislation.uk/eu-regulation-2015-847/article-11",
  "json_url": "https://openlegislation.uk/eu-regulation-2015-847/article-11.json",
  "legislation": "eur/2015/847",
  "legislation_title": "Regulation (EU) 2015/847 of the European Parliament and of the Council of 20 May 2015 on information accompanying transfers of funds and repealing Regulation (EC) No 1781/2006 (Text with EEA relevance)",
  "legislation_url": "https://openlegislation.uk/eu-regulation-2015-847",
  "path": "article/11",
  "kind": "article",
  "number": "11",
  "heading": "Detection of missing information on the payer or the payee",
  "text": "1. The intermediary payment service provider shall implement effective procedures to detect whether the fields relating to the information on the payer and the payee in the messaging or payment and settlement system used to effect the transfer of funds have been filled in using characters or inputs admissible in accordance with the conventions of that system.\n2. The intermediary payment service provider shall implement effective procedures, including, where appropriate, ex-post monitoring or real-time monitoring, in order to detect whether the following information on the payer or the payee is missing:\n(a) for transfers of funds where the payment service providers of the payer and the payee are established in the United Kingdom or Gibraltar, the information referred to in Article 5;\n(b) for transfers of funds where the payment service provider of the payer or of the payee is established outside the United Kingdom or Gibraltar, the information referred to in Article 4(1) and (2);\n(c) for batch file transfers where the payment service provider of the payer or of the payee is established outside the United Kingdom or Gibraltar, the information referred to in Article 4(1) and (2) in respect of that batch file transfer.",
  "extent": "E+W+S+N.I.",
  "status": null,
  "version": "current",
  "annotations": [
    {
      "type": "F",
      "label": "F1",
      "text": "Words in Art. 11(2) substituted (31.12.2020) by The Money Laundering and Transfer of Funds (Information) (Amendment) (EU Exit) Regulations 2019 (S.I. 2019/253), regs. 1(2), 16(7) (with savings in S.I. 2019/680, reg. 11); 2020 c. 1, Sch. 5 para. 1(1)"
    }
  ],
  "outstanding_effects": [],
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eur/2015/847/article/11",
    "retrieved_at": "2026-11-01T14:46:40.519157+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}