Scope: all 34 tofr/**/article-*.md pages, limited to ## What this means in practice and nearby editorial checklists or cross-references.

Official sources used:

• Regulation (EU) 2023/1113 on EUR-Lex: https://eur-lex.europa.eu/eli/reg/2023/1113/oj
• EBA/GL/2024/11 Travel Rule Guidelines, applicable from 30 December 2024: https://www.eba.europa.eu/sites/default/files/2024-07/6de6e9b9-0ed9-49cd-985d-c0834b5b4356/Travel%20Rule%20Guidelines.pdf
• EBA restrictive-measures guidelines press release and documents, published 14 November 2024: https://www.eba.europa.eu/publications-and-media/press-releases/eba-issues-final-guidance-internal-policies-procedures-and-controls-ensure-implementation-union-and
• Directive (EU) 2015/849 (AMLD5 consolidated source for CDD, FIU reporting, central contact points, sanctions publication): https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32015L0849
• Regulation (EU) 2016/679 (GDPR): https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=CELEX:32016R0679

Article file	Practical claims reviewed	Source basis	Risk	Outcome / edit
article-1-subject-matter.md	Information-accompanying-transfer limb; restrictive-measures controls; Union nexus.	ToFR Arts. 1, 2(1), 23; MiCA Art. 59(2).	Medium	Needs edit: changed sanctions wording from screening/enforcement to implementation of restrictive measures.
article-2-scope.md	CASP registered-office trigger; crypto-ATM inclusion; EMT treatment; person-to-person and own-book CASP carve-outs; no crypto EUR 1,000 scope threshold.	ToFR Art. 2(1), (3), (4), (5); Recitals 24-25; EBA GL paras. 16, 77-80.	High	Needs edit: narrowed non-EU-to-EU example to beneficiary-side obligations.
article-3-definitions.md	Self-hosted address definition; crypto-ATM channel; crypto transfer trigger; originator/payer distinction; EMT/funds distinction.	ToFR Art. 3(8), (10), (13), (17), (20), (21); Art. 2(4).	High	Needs edit: removed overstatement that Article 14 information must be exchanged with the non-EU entity instead of collected from the client.
article-4-information-accompanying-transfers-of-funds.md	Default funds rule; LEI condition; payer verification and AMLD CDD reliance.	ToFR Art. 4(1)-(5); EBA GL paras. 25-32.	High	Needs edit: qualified “one-time” verification language.
article-5-transfers-of-funds-within-the-union.md	Intra-Union minimum payload; three-working-day response; small-transfer verification carve-out.	ToFR Art. 5(1)-(3); EBA GL paras. 16-23, 56.	Medium	Accurate.
article-6-transfers-of-funds-to-outside-the-union.md	Extra-Union full payload; batch and small non-linked concessions; cash/anonymous e-money and suspicion exceptions.	ToFR Art. 6(1)-(2); EBA GL paras. 16-23.	Medium	Accurate.
article-7-detection-of-missing-information.md	Payee PSP syntax/substance detection; intra-/extra-Union data sets; payee verification threshold and AMLD CDD reliance.	ToFR Art. 7(1)-(5); EBA GL paras. 49-51.	High	Needs edit: qualified verification language.
article-8-transfers-with-missing-or-incomplete-information.md	Payee PSP reject/suspend/execute-and-request options; repeat-failure escalation and reporting.	ToFR Art. 8(1)-(2); EBA GL paras. 52-75.	High	Accurate.
article-9-assessment-and-reporting.md	Missing/incomplete information as suspicion-assessment factor.	ToFR Art. 9; EBA GL paras. 47-48.	High	Needs edit: clarified missing information is not automatically suspicious by itself.
article-10-retention-of-information.md	Intermediary PSP passes received payer/payee information with the transfer.	ToFR Art. 10.	Low	Accurate.
article-11-detection-of-missing-information.md	Intermediary PSP syntax/substance detection in transit.	ToFR Art. 11; EBA GL paras. 49-51.	Medium	Accurate.
article-12-transfers-with-missing-information.md	Intermediary PSP execute/reject/request triad; repeat-failure reporting.	ToFR Art. 12; EBA GL paras. 52-75.	High	Accurate.
article-13-assessment-and-reporting.md	Intermediary PSP missing-information suspicion factor and FIU reporting where suspicious.	ToFR Art. 13; EBA GL paras. 47-48.	Medium	Accurate.
article-14-information-accompanying-transfers-of-crypto-assets.md	Outgoing CASP data set; secure timing; not on-chain payload; beneficiary data; originator verification; self-hosted address baseline and above-EUR 1,000 ownership/control check; hard stop.	ToFR Art. 14(1)-(8); Recital 39; EBA GL paras. 24-32, 76-87.	High	Needs edit: removed vendor/protocol examples, qualified verification, corrected threshold wording to above EUR 1,000, replaced unsupported self-hosted examples with final EBA methods.
article-15-batch-file-transfers.md	Single-originator batch carve-out; batch wrapper data; individual leg traceability; simultaneous secure submission.	ToFR Art. 15; Recital 41.	Medium	Accurate.
article-16-detection-of-missing-information.md	Beneficiary CASP detection; no Article 7-style syntax rule; inbound self-hosted baseline and above-EUR 1,000 ownership/control check; beneficiary verification.	ToFR Art. 16(1)-(4); EBA GL paras. 49-51, 76-87.	High	Needs edit: qualified verification, narrowed Travel Rule channel wording, corrected threshold wording.
article-17-transfers-with-missing-or-incomplete-information.md	Beneficiary CASP execute/reject/return/request choices; repeat-failure escalation; competent-authority reporting; return mechanics.	ToFR Art. 17(1)-(2); EBA GL paras. 52-75.	High	Needs edit: removed speculative FIU/supervisor parenthetical for repeat-failure reporting.
article-18-assessment-and-reporting.md	Beneficiary CASP missing/incomplete information as suspicion-assessment factor.	ToFR Art. 18; EBA GL paras. 47-48.	High	Needs edit: clarified not automatically suspicious by itself.
article-19-retention-of-information.md	Intermediary CASP transmit, retain, and make records available.	ToFR Art. 19; Art. 26.	Medium	Accurate.
article-20-detection-of-missing-information.md	Intermediary CASP detection subset; self-hosted coverage; during/after detection.	ToFR Art. 20; EBA GL paras. 49-51.	Medium	Accurate.
article-21-transfers-with-missing-information.md	Intermediary CASP execute/reject/return/request choices; narrower trigger set; repeat-failure escalation/reporting.	ToFR Art. 21(1)-(2); EBA GL paras. 52-75.	High	Needs edit: corrected reporting trigger to repeated failures and steps taken.
article-22-assessment-and-reporting.md	Intermediary CASP own suspicion assessment; FIU reporting where suspicious.	ToFR Art. 22; EBA GL paras. 47-48.	High	Needs edit: clarified not automatically suspicious by itself.
article-23-internal-policies-restrictive-measures.md	Restrictive-measures policies, procedures and controls; screening against Union/national lists; final EBA guidelines.	ToFR Art. 23; Recital 18; EBA restrictive-measures guidelines press release.	High	Needs edit: updated final guideline status, replaced broad sanctions-screening wording, removed UN-list overstatement, qualified DLT address screening.
article-24-provision-of-information.md	Authority requests; Member State of establishment/registered office; central contact point.	ToFR Art. 24; AMLD5 Art. 45(9).	Medium	Needs edit: qualified central-contact-point statement.
article-25-data-protection.md	GDPR processing; purpose limitation; onboarding notice; third-country transfers; security; vendor controls.	ToFR Art. 25(1)-(4); GDPR Arts. 13, 32, Chapter V.	High	Needs edit: broadened non-EU recipient wording and removed vendor-specific overstatement.
article-26-record-retention.md	Five-year retention; deletion; national-law extension; intermediary CASP Art. 19 relation.	ToFR Art. 26(1)-(3); GDPR Art. 5(1)(e).	High	Needs edit: removed unsupported start-date phrasing.
article-27-cooperation-among-competent-authorities.md	AMLD5 cooperation framework and onward authority exchange.	ToFR Art. 27; AMLD5 Chapter VI.	Medium	Accurate.
article-28-administrative-sanctions-and-measures.md	AMLD5-consistent sanctions regime; personal and legal-person liability.	ToFR Art. 28(1)-(6).	Medium	Accurate.
article-29-specific-provisions.md	Four heightened breach categories; AMLD5 sanction ceilings; repeated/systematic/serious qualifiers.	ToFR Art. 29(1); AMLD5 Art. 59(2)-(3).	High	Accurate.
article-30-publication-of-sanctions-and-measures.md	Publication of sanctions; identity disclosure; necessity/proportionality; anonymous publication carve-outs.	ToFR Art. 30; AMLD5 Art. 60(1)-(3).	Medium	Accurate.
article-31-application-of-sanctions-and-measures.md	Sanctioning factors; appeal rights and safeguards.	ToFR Art. 31(1)-(2); AMLD5 Arts. 60(4), 62.	Medium	Accurate.
article-32-reporting-of-breaches.md	External breach reporting mechanisms; internal anonymous channels; proportionality.	ToFR Art. 32(1)-(2); AMLD5 Art. 61(2); Directive (EU) 2019/1937 as implementation context.	Medium	Accurate.
article-33-monitoring.md	Active competent-authority monitoring; Commission reports every three years from 31 December 2026.	ToFR Art. 33(1)-(2).	Medium	Accurate.
article-34-committee-procedure.md	Examination procedure for implementing acts; no direct CASP obligation.	ToFR Art. 34; Regulation (EU) No 182/2011 Art. 5.	Low	Accurate.

• Sections reviewed: 34 article practice sections.
• Sections changed: Articles 1, 2, 3, 4, 7, 9, 14, 16, 17, 18, 21, 22, 23, 24, 25 and 26.
• Unresolved legal questions: none requiring escalation.
• Main consistency checks: PSP/CASP verification language, self-hosted address threshold language, missing-information suspicion language, repeat-failure reporting, restrictive-measures controls, retention/data-protection wording.