R-message RR02: Regulated debtor identity

Published on 2026-01-04 · Updated on 2026-05-17

RR02: Regulated debtor identity

SEPA return code RR02 — belongs to the RR group (deudor).

The debtor is on an international sanctions list.

Block the mandate and review your AML obligations.

This code lives inside the <RsnInf> block of the return message (pain.002 or camt.054):

<Rtr>
  <RsnInf>
    <Rsn>
      <Cd>RR02</Cd>
    </Rsn>
    <AddtlInf>Return because of regulated debtor identity</AddtlInf>
  </RsnInf>
</Rtr>

Before sending the batch to your bank, validate it with our SEPA XML Validator. Catch the errors your ERP misses and reduce RR-type returns.

RR02 is a deudor type return. Follow the steps above to fix and re-issue.

Does `RR02` carry a bank fee?: Almost always. Your bank charges a return fee per your contract.
Can I retry the collection?: It depends on the cause. Fix the reason above before retrying.
How do I prevent it?: Validate the batch before sending it and keep IBAN, mandates and CID up to date. Our [SEPA XML Validator](/sepa-direct-debit-xml-validator) catches most of these errors pre-submission.