diff --git a/api-schema/src/main/java/org/stellar/anchor/api/callback/SendEventRequestPayload.java b/api-schema/src/main/java/org/stellar/anchor/api/callback/SendEventRequestPayload.java
index 3b900f975e..4785202b20 100644
--- a/api-schema/src/main/java/org/stellar/anchor/api/callback/SendEventRequestPayload.java
+++ b/api-schema/src/main/java/org/stellar/anchor/api/callback/SendEventRequestPayload.java
@@ -4,6 +4,7 @@
 import lombok.Data;
 import lombok.NoArgsConstructor;
 import org.stellar.anchor.api.event.AnchorEvent;
+import org.stellar.anchor.api.platform.CustomerUpdatedResponse;
 import org.stellar.anchor.api.platform.GetQuoteResponse;
 import org.stellar.anchor.api.platform.GetTransactionResponse;
 
@@ -13,6 +14,7 @@
 public class SendEventRequestPayload {
   GetTransactionResponse transaction;
   GetQuoteResponse quote;
+  CustomerUpdatedResponse customer;
 
   /**
    * Creates a SendEventRequestPayload from an AnchorEvent.
@@ -23,6 +25,8 @@ public class SendEventRequestPayload {
   public static SendEventRequestPayload from(AnchorEvent event) {
     SendEventRequestPayload payload = new SendEventRequestPayload();
     switch (event.getType()) {
+      case CUSTOMER_UPDATED:
+        payload.setCustomer(event.getCustomer());
       case QUOTE_CREATED:
         payload.setQuote(event.getQuote());
       case TRANSACTION_CREATED:
diff --git a/api-schema/src/main/java/org/stellar/anchor/api/exception/SepCustomerInfoNeededException.java b/api-schema/src/main/java/org/stellar/anchor/api/exception/SepCustomerInfoNeededException.java
new file mode 100644
index 0000000000..49eb2d0aa4
--- /dev/null
+++ b/api-schema/src/main/java/org/stellar/anchor/api/exception/SepCustomerInfoNeededException.java
@@ -0,0 +1,12 @@
+package org.stellar.anchor.api.exception;
+
+import java.util.List;
+import lombok.Getter;
+import lombok.RequiredArgsConstructor;
+
+/** Thrown when a customer's info is needed to complete a request. */
+@RequiredArgsConstructor
+@Getter
+public class SepCustomerInfoNeededException extends AnchorException {
+  private final List<String> fields;
+}
diff --git a/api-schema/src/main/java/org/stellar/anchor/api/sep/CustomerInfoNeededResponse.java b/api-schema/src/main/java/org/stellar/anchor/api/sep/CustomerInfoNeededResponse.java
new file mode 100644
index 0000000000..25ac39a272
--- /dev/null
+++ b/api-schema/src/main/java/org/stellar/anchor/api/sep/CustomerInfoNeededResponse.java
@@ -0,0 +1,12 @@
+package org.stellar.anchor.api.sep;
+
+import java.util.List;
+import lombok.Data;
+import lombok.RequiredArgsConstructor;
+
+@RequiredArgsConstructor
+@Data
+public class CustomerInfoNeededResponse {
+  private final String type = "non_interactive_customer_info_needed";
+  private final List<String> fields;
+}
diff --git a/api-schema/src/main/java/org/stellar/anchor/api/sep/sep12/Sep12Status.java b/api-schema/src/main/java/org/stellar/anchor/api/sep/sep12/Sep12Status.java
index fb7c9b992a..7d5cfd23eb 100644
--- a/api-schema/src/main/java/org/stellar/anchor/api/sep/sep12/Sep12Status.java
+++ b/api-schema/src/main/java/org/stellar/anchor/api/sep/sep12/Sep12Status.java
@@ -13,10 +13,7 @@ public enum Sep12Status {
   PROCESSING("PROCESSING"),
 
   @SerializedName("REJECTED")
-  REJECTED("REJECTED"),
-
-  @SerializedName("VERIFICATION_REQUIRED")
-  VERIFICATION_REQUIRED("VERIFICATION_REQUIRED");
+  REJECTED("REJECTED");
 
   private final String name;
 
diff --git a/api-schema/src/main/java/org/stellar/anchor/api/sep/sep6/StartWithdrawExchangeRequest.java b/api-schema/src/main/java/org/stellar/anchor/api/sep/sep6/StartWithdrawExchangeRequest.java
index 048413e341..3888ead1b9 100644
--- a/api-schema/src/main/java/org/stellar/anchor/api/sep/sep6/StartWithdrawExchangeRequest.java
+++ b/api-schema/src/main/java/org/stellar/anchor/api/sep/sep6/StartWithdrawExchangeRequest.java
@@ -33,6 +33,9 @@ public class StartWithdrawExchangeRequest {
   @SerializedName("quote_id")
   String quoteId;
 
+  /** The account to withdraw from. */
+  String account;
+
   /** The amount of the source asset the user would like to withdraw. */
   @NonNull String amount;
 
diff --git a/api-schema/src/main/java/org/stellar/anchor/api/sep/sep6/StartWithdrawRequest.java b/api-schema/src/main/java/org/stellar/anchor/api/sep/sep6/StartWithdrawRequest.java
index c60fbc2d2b..fe30c031da 100644
--- a/api-schema/src/main/java/org/stellar/anchor/api/sep/sep6/StartWithdrawRequest.java
+++ b/api-schema/src/main/java/org/stellar/anchor/api/sep/sep6/StartWithdrawRequest.java
@@ -23,6 +23,9 @@ public class StartWithdrawRequest {
   /** Type of withdrawal. */
   String type;
 
+  /** The account to withdraw from. */
+  String account;
+
   /** The amount to withdraw. */
   String amount;
 
diff --git a/core/src/main/java/org/stellar/anchor/sep6/RequestValidator.java b/core/src/main/java/org/stellar/anchor/sep6/RequestValidator.java
index 4193a4500c..677cc652ff 100644
--- a/core/src/main/java/org/stellar/anchor/sep6/RequestValidator.java
+++ b/core/src/main/java/org/stellar/anchor/sep6/RequestValidator.java
@@ -1,10 +1,14 @@
 package org.stellar.anchor.sep6;
 
 import java.math.BigDecimal;
+import java.util.ArrayList;
 import java.util.List;
 import lombok.NonNull;
 import lombok.RequiredArgsConstructor;
-import org.stellar.anchor.api.exception.SepValidationException;
+import org.stellar.anchor.api.callback.CustomerIntegration;
+import org.stellar.anchor.api.callback.GetCustomerRequest;
+import org.stellar.anchor.api.callback.GetCustomerResponse;
+import org.stellar.anchor.api.exception.*;
 import org.stellar.anchor.api.sep.AssetInfo;
 import org.stellar.anchor.asset.AssetService;
 import org.stellar.sdk.KeyPair;
@@ -13,6 +17,7 @@
 @RequiredArgsConstructor
 public class RequestValidator {
   @NonNull private final AssetService assetService;
+  @NonNull private final CustomerIntegration customerIntegration;
 
   /**
    * Validates that the requested asset is valid and enabled for deposit.
@@ -102,11 +107,33 @@ public void validateTypes(String requestType, String assetCode, List<String> val
    * @param account the account
    * @throws SepValidationException if the account is invalid
    */
-  public void validateAccount(String account) throws SepValidationException {
+  public void validateAccount(String account) throws AnchorException {
     try {
       KeyPair.fromAccountId(account);
     } catch (RuntimeException ex) {
       throw new SepValidationException(String.format("invalid account %s", account));
     }
+
+    GetCustomerRequest request = GetCustomerRequest.builder().account(account).build();
+    GetCustomerResponse response = customerIntegration.getCustomer(request);
+
+    if (response == null || response.getStatus() == null) {
+      throw new ServerErrorException("unable to get required fields for customer") {};
+    }
+
+    switch (response.getStatus()) {
+      case "NEEDS_INFO":
+        throw new SepCustomerInfoNeededException(new ArrayList<>(response.getFields().keySet()));
+      case "PROCESSING":
+        throw new SepNotAuthorizedException("customer is being reviewed by anchor");
+      case "REJECTED":
+        throw new SepNotAuthorizedException("customer rejected by anchor");
+      case "ACCEPTED":
+        // do nothing
+        break;
+      default:
+        throw new ServerErrorException(
+            String.format("unknown customer status: %s", response.getStatus()));
+    }
   }
 }
diff --git a/core/src/main/java/org/stellar/anchor/sep6/Sep6Service.java b/core/src/main/java/org/stellar/anchor/sep6/Sep6Service.java
index 91538673ca..72203f1b2d 100644
--- a/core/src/main/java/org/stellar/anchor/sep6/Sep6Service.java
+++ b/core/src/main/java/org/stellar/anchor/sep6/Sep6Service.java
@@ -227,6 +227,8 @@ public StartWithdrawResponse withdraw(Sep10Jwt token, StartWithdrawRequest reque
           asset.getWithdraw().getMinAmount(),
           asset.getWithdraw().getMaxAmount());
     }
+    String sourceAccount = request.getAccount() != null ? request.getAccount() : token.getAccount();
+    requestValidator.validateAccount(sourceAccount);
 
     String id = SepHelper.generateSepTransactionId();
 
@@ -245,7 +247,7 @@ public StartWithdrawResponse withdraw(Sep10Jwt token, StartWithdrawRequest reque
             .sep10AccountMemo(token.getAccountMemo())
             .memo(generateMemo(id))
             .memoType(memoTypeAsString(MEMO_HASH))
-            .fromAccount(token.getAccount())
+            .fromAccount(sourceAccount)
             .withdrawAnchorAccount(asset.getDistributionAccount())
             .toAccount(asset.getDistributionAccount())
             .refundMemo(request.getRefundMemo())
@@ -295,6 +297,8 @@ public StartWithdrawResponse withdrawExchange(
         sellAsset.getSignificantDecimals(),
         sellAsset.getWithdraw().getMinAmount(),
         sellAsset.getWithdraw().getMaxAmount());
+    String sourceAccount = request.getAccount() != null ? request.getAccount() : token.getAccount();
+    requestValidator.validateAccount(sourceAccount);
 
     String id = SepHelper.generateSepTransactionId();
 
@@ -330,7 +334,7 @@ public StartWithdrawResponse withdrawExchange(
             .sep10AccountMemo(token.getAccountMemo())
             .memo(generateMemo(id))
             .memoType(memoTypeAsString(MEMO_HASH))
-            .fromAccount(token.getAccount())
+            .fromAccount(sourceAccount)
             .withdrawAnchorAccount(sellAsset.getDistributionAccount())
             .refundMemo(request.getRefundMemo())
             .refundMemoType(request.getRefundMemoType())
diff --git a/core/src/test/kotlin/org/stellar/anchor/sep6/RequestValidatorTest.kt b/core/src/test/kotlin/org/stellar/anchor/sep6/RequestValidatorTest.kt
index 044b6aee9b..f3e75f44c3 100644
--- a/core/src/test/kotlin/org/stellar/anchor/sep6/RequestValidatorTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/sep6/RequestValidatorTest.kt
@@ -1,9 +1,8 @@
 package org.stellar.anchor.sep6
 
-import io.mockk.MockKAnnotations
-import io.mockk.every
+import io.mockk.*
 import io.mockk.impl.annotations.MockK
-import io.mockk.mockk
+import kotlin.test.assertEquals
 import org.junit.jupiter.api.BeforeEach
 import org.junit.jupiter.api.Test
 import org.junit.jupiter.api.assertThrows
@@ -11,19 +10,28 @@ import org.junit.jupiter.params.ParameterizedTest
 import org.junit.jupiter.params.provider.ValueSource
 import org.stellar.anchor.TestConstants.Companion.TEST_ACCOUNT
 import org.stellar.anchor.TestConstants.Companion.TEST_ASSET
+import org.stellar.anchor.api.callback.CustomerIntegration
+import org.stellar.anchor.api.callback.GetCustomerRequest
+import org.stellar.anchor.api.callback.GetCustomerResponse
+import org.stellar.anchor.api.exception.SepCustomerInfoNeededException
+import org.stellar.anchor.api.exception.SepNotAuthorizedException
 import org.stellar.anchor.api.exception.SepValidationException
+import org.stellar.anchor.api.exception.ServerErrorException
 import org.stellar.anchor.api.sep.AssetInfo
+import org.stellar.anchor.api.sep.sep12.Sep12Status
+import org.stellar.anchor.api.shared.CustomerField
 import org.stellar.anchor.asset.AssetService
 
 class RequestValidatorTest {
   @MockK(relaxed = true) lateinit var assetService: AssetService
+  @MockK(relaxed = true) lateinit var customerIntegration: CustomerIntegration
 
   private lateinit var requestValidator: RequestValidator
 
   @BeforeEach
   fun setup() {
     MockKAnnotations.init(this, relaxUnitFun = true)
-    requestValidator = RequestValidator(assetService)
+    requestValidator = RequestValidator(assetService, customerIntegration)
   }
 
   @Test
@@ -140,11 +148,63 @@ class RequestValidatorTest {
 
   @Test
   fun `test validateAccount`() {
+    every {
+      customerIntegration.getCustomer(GetCustomerRequest.builder().account(TEST_ACCOUNT).build())
+    } returns GetCustomerResponse.builder().status(Sep12Status.ACCEPTED.name).build()
     requestValidator.validateAccount(TEST_ACCOUNT)
   }
 
   @Test
   fun `test validateAccount with invalid account`() {
     assertThrows<SepValidationException> { requestValidator.validateAccount("??") }
+
+    verify { customerIntegration wasNot called }
+  }
+
+  @Test
+  fun `test validateAccount customerIntegration failure`() {
+    every {
+      customerIntegration.getCustomer(GetCustomerRequest.builder().account(TEST_ACCOUNT).build())
+    } throws RuntimeException("test")
+    assertThrows<RuntimeException> { requestValidator.validateAccount(TEST_ACCOUNT) }
+  }
+
+  @Test
+  fun `test validateAccount with needs info customer`() {
+    every {
+      customerIntegration.getCustomer(GetCustomerRequest.builder().account(TEST_ACCOUNT).build())
+    } returns
+      GetCustomerResponse.builder()
+        .status(Sep12Status.NEEDS_INFO.name)
+        .fields(mapOf("first_name" to CustomerField.builder().build()))
+        .build()
+    val ex =
+      assertThrows<SepCustomerInfoNeededException> {
+        requestValidator.validateAccount(TEST_ACCOUNT)
+      }
+    assertEquals(listOf("first_name"), ex.fields)
+  }
+
+  @Test
+  fun `test validateAccount with processing customer`() {
+    every {
+      customerIntegration.getCustomer(GetCustomerRequest.builder().account(TEST_ACCOUNT).build())
+    } returns GetCustomerResponse.builder().status(Sep12Status.PROCESSING.name).build()
+    assertThrows<SepNotAuthorizedException> { requestValidator.validateAccount(TEST_ACCOUNT) }
+  }
+
+  @Test
+  fun `test validateAccount with rejected customer`() {
+    every {
+      customerIntegration.getCustomer(GetCustomerRequest.builder().account(TEST_ACCOUNT).build())
+    } returns GetCustomerResponse.builder().status(Sep12Status.REJECTED.name).build()
+    assertThrows<SepNotAuthorizedException> { requestValidator.validateAccount(TEST_ACCOUNT) }
+  }
+
+  @Test
+  fun `test validateAccount with unknown status customer`() {
+    every { customerIntegration.getCustomer(any()) } returns
+      GetCustomerResponse.builder().status("??").build()
+    assertThrows<ServerErrorException> { requestValidator.validateAccount(TEST_ACCOUNT) }
   }
 }
diff --git a/core/src/test/kotlin/org/stellar/anchor/sep6/Sep6ServiceTest.kt b/core/src/test/kotlin/org/stellar/anchor/sep6/Sep6ServiceTest.kt
index 9c7c4e05f6..bbd07b80e7 100644
--- a/core/src/test/kotlin/org/stellar/anchor/sep6/Sep6ServiceTest.kt
+++ b/core/src/test/kotlin/org/stellar/anchor/sep6/Sep6ServiceTest.kt
@@ -4,7 +4,7 @@ import com.google.gson.Gson
 import io.mockk.*
 import io.mockk.impl.annotations.MockK
 import java.time.Instant
-import java.util.UUID
+import java.util.*
 import kotlin.test.assertEquals
 import kotlin.test.assertNotNull
 import org.junit.jupiter.api.BeforeEach
@@ -363,6 +363,7 @@ class Sep6ServiceTest {
         asset.deposit.maxAmount,
       )
     }
+    verify(exactly = 1) { requestValidator.validateAccount(TEST_ACCOUNT) }
 
     // Verify effects
     verify(exactly = 1) {
@@ -443,6 +444,7 @@ class Sep6ServiceTest {
         asset.deposit.maxAmount,
       )
     }
+    verify(exactly = 1) { requestValidator.validateAccount(TEST_ACCOUNT) }
 
     // Verify effects
     verify(exactly = 1) { exchangeAmountsCalculator.calculate(any(), any(), "100", TEST_ACCOUNT) }
@@ -629,6 +631,7 @@ class Sep6ServiceTest {
         asset.deposit.maxAmount,
       )
     }
+    verify(exactly = 1) { requestValidator.validateAccount(TEST_ACCOUNT) }
 
     // Verify effects
     verify(exactly = 1) { txnStore.save(any()) }
@@ -668,6 +671,7 @@ class Sep6ServiceTest {
         asset.withdraw.maxAmount,
       )
     }
+    verify(exactly = 1) { requestValidator.validateAccount(TEST_ACCOUNT) }
 
     // Verify effects
     verify(exactly = 1) { txnStore.save(any()) }
@@ -704,6 +708,32 @@ class Sep6ServiceTest {
     )
   }
 
+  @Test
+  fun `test withdraw from requested account`() {
+    val slotTxn = slot<Sep6Transaction>()
+    every { txnStore.save(capture(slotTxn)) } returns null
+
+    val slotEvent = slot<AnchorEvent>()
+    every { eventSession.publish(capture(slotEvent)) } returns Unit
+
+    val request =
+      StartWithdrawRequest.builder()
+        .assetCode(TEST_ASSET)
+        .account("requested_account")
+        .refundMemo("some text")
+        .refundMemoType("text")
+        .build()
+    sep6Service.withdraw(TestHelper.createSep10Jwt(TEST_ACCOUNT), request)
+
+    // Verify validations
+    verify(exactly = 1) { requestValidator.getWithdrawAsset(TEST_ASSET) }
+    verify(exactly = 1) { requestValidator.validateAccount("requested_account") }
+
+    // Verify effects
+    assertEquals("requested_account", slotTxn.captured.fromAccount)
+    assertEquals("requested_account", slotEvent.captured.transaction.sourceAccount)
+  }
+
   @Test
   fun `test withdraw without amount or type`() {
     val slotTxn = slot<Sep6Transaction>()
@@ -722,6 +752,7 @@ class Sep6ServiceTest {
 
     // Verify validations
     verify(exactly = 1) { requestValidator.getWithdrawAsset(TEST_ASSET) }
+    verify(exactly = 1) { requestValidator.validateAccount(TEST_ACCOUNT) }
 
     // Verify effects
     verify(exactly = 1) { txnStore.save(any()) }
@@ -879,6 +910,7 @@ class Sep6ServiceTest {
         asset.withdraw.maxAmount,
       )
     }
+    verify(exactly = 1) { requestValidator.validateAccount(TEST_ACCOUNT) }
 
     // Verify effects
     verify(exactly = 1) { txnStore.save(any()) }
@@ -932,6 +964,7 @@ class Sep6ServiceTest {
         asset.withdraw.maxAmount,
       )
     }
+    verify(exactly = 1) { requestValidator.validateAccount(TEST_ACCOUNT) }
 
     // Verify effects
     verify(exactly = 1) {
@@ -1017,6 +1050,7 @@ class Sep6ServiceTest {
         asset.withdraw.maxAmount,
       )
     }
+    verify(exactly = 1) { requestValidator.validateAccount(TEST_ACCOUNT) }
 
     // Verify effects
     verify(exactly = 1) { exchangeAmountsCalculator.calculate(any(), any(), "100", TEST_ACCOUNT) }
@@ -1054,6 +1088,38 @@ class Sep6ServiceTest {
     )
   }
 
+  @Test
+  fun `test withdraw-exchange from requested account`() {
+    val sourceAsset = TEST_ASSET
+    val destinationAsset = "iso4217:USD"
+
+    val slotTxn = slot<Sep6Transaction>()
+    every { txnStore.save(capture(slotTxn)) } returns null
+
+    val slotEvent = slot<AnchorEvent>()
+    every { eventSession.publish(capture(slotEvent)) } returns Unit
+
+    val request =
+      StartWithdrawExchangeRequest.builder()
+        .sourceAsset(sourceAsset)
+        .destinationAsset(destinationAsset)
+        .type("bank_account")
+        .amount("100")
+        .account("requested_account")
+        .refundMemo("some text")
+        .refundMemoType("text")
+        .build()
+    sep6Service.withdrawExchange(TestHelper.createSep10Jwt(TEST_ACCOUNT), request)
+
+    // Verify validations
+    verify(exactly = 1) { requestValidator.getWithdrawAsset(TEST_ASSET) }
+    verify(exactly = 1) { requestValidator.validateAccount("requested_account") }
+
+    // Verify effects
+    assertEquals("requested_account", slotTxn.captured.fromAccount)
+    assertEquals("requested_account", slotEvent.captured.transaction.sourceAccount)
+  }
+
   @Test
   fun `test withdraw-exchange with unsupported source asset`() {
     val unsupportedAsset = "??"
@@ -1203,6 +1269,7 @@ class Sep6ServiceTest {
         asset.withdraw.maxAmount,
       )
     }
+    verify(exactly = 1) { requestValidator.validateAccount(TEST_ACCOUNT) }
 
     // Verify effects
     verify(exactly = 1) { txnStore.save(any()) }
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/test/Sep6End2EndTest.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/test/Sep6End2EndTest.kt
index 365c902ece..80782dcfda 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/test/Sep6End2EndTest.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/test/Sep6End2EndTest.kt
@@ -52,7 +52,9 @@ class Sep6End2EndTest(val config: TestConfig, val jwt: String) {
     val sep6Client = Sep6Client("${config.env["anchor.domain"]}/sep6", token.token)
 
     // Create a customer before starting the transaction
-    anchor.customer(token).add(mapOf("first_name" to "John", "last_name" to "Doe"))
+    anchor
+      .customer(token)
+      .add(mapOf("first_name" to "John", "last_name" to "Doe", "email_address" to "john@email.com"))
 
     val deposit =
       sep6Client.deposit(
@@ -98,7 +100,9 @@ class Sep6End2EndTest(val config: TestConfig, val jwt: String) {
     val sep6Client = Sep6Client("${config.env["anchor.domain"]}/sep6", token.token)
 
     // Create a customer before starting the transaction
-    anchor.customer(token).add(mapOf("first_name" to "John", "last_name" to "Doe"))
+    anchor
+      .customer(token)
+      .add(mapOf("first_name" to "John", "last_name" to "Doe", "email_address" to "john@email.com"))
 
     val withdraw =
       sep6Client.withdraw(
diff --git a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/test/Sep6Tests.kt b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/test/Sep6Tests.kt
index e25229958f..7fdda74c94 100644
--- a/integration-tests/src/test/kotlin/org/stellar/anchor/platform/test/Sep6Tests.kt
+++ b/integration-tests/src/test/kotlin/org/stellar/anchor/platform/test/Sep6Tests.kt
@@ -2,14 +2,22 @@ package org.stellar.anchor.platform.test
 
 import org.skyscreamer.jsonassert.JSONAssert
 import org.skyscreamer.jsonassert.JSONCompareMode
+import org.stellar.anchor.api.sep.sep12.Sep12PutCustomerRequest
 import org.stellar.anchor.platform.CLIENT_WALLET_ACCOUNT
+import org.stellar.anchor.platform.Sep12Client
 import org.stellar.anchor.platform.Sep6Client
 import org.stellar.anchor.platform.gson
 import org.stellar.anchor.util.Log
 import org.stellar.anchor.util.Sep1Helper.TomlContent
 
 class Sep6Tests(val toml: TomlContent, jwt: String) {
-  private val sep6Client = Sep6Client(toml.getString("TRANSFER_SERVER"), jwt)
+  private val sep6Client: Sep6Client
+  private val sep12Client: Sep12Client
+
+  init {
+    sep6Client = Sep6Client(toml.getString("TRANSFER_SERVER"), jwt)
+    sep12Client = Sep12Client(toml.getString("KYC_SERVER"), jwt)
+  }
 
   private val expectedSep6Info =
     """
@@ -150,8 +158,20 @@ class Sep6Tests(val toml: TomlContent, jwt: String) {
     )
   }
 
+  private fun putCustomer() {
+    val request =
+      Sep12PutCustomerRequest.builder()
+        .firstName("John")
+        .lastName("Doe")
+        .emailAddress("john@email.com")
+        .build()
+    sep12Client.putCustomer(request)
+  }
+
   fun testAll() {
     Log.info("Performing SEP6 tests")
+    // Create a customer before running any tests
+    putCustomer()
     `test Sep6 info endpoint`()
     `test sep6 deposit`()
     `test sep6 withdraw`()
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/data/Event.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/data/Event.kt
index 7a5d57c987..5525391d0f 100644
--- a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/data/Event.kt
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/data/Event.kt
@@ -1,5 +1,6 @@
 package org.stellar.reference.data
 
+import org.stellar.anchor.api.platform.CustomerUpdatedResponse
 import org.stellar.anchor.api.platform.GetQuoteResponse
 import org.stellar.anchor.api.platform.GetTransactionResponse
 
@@ -10,7 +11,8 @@ data class SendEventRequest(
   val payload: SendEventRequestPayload
 )
 
-public data class SendEventRequestPayload(
-  val transaction: GetTransactionResponse,
-  val quote: GetQuoteResponse
+data class SendEventRequestPayload(
+  val transaction: GetTransactionResponse?,
+  val quote: GetQuoteResponse?,
+  val customer: CustomerUpdatedResponse?
 )
diff --git a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/event/EventService.kt b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/event/EventService.kt
index 27fe58c375..5ba857c1e3 100644
--- a/kotlin-reference-server/src/main/kotlin/org/stellar/reference/event/EventService.kt
+++ b/kotlin-reference-server/src/main/kotlin/org/stellar/reference/event/EventService.kt
@@ -26,7 +26,7 @@ class EventService {
   fun getEvents(txnId: String?): List<SendEventRequest> {
     if (txnId != null) {
       // filter events with txnId
-      return receivedEvents.filter { it.payload.transaction.id == txnId }
+      return receivedEvents.filter { it.payload.transaction?.id == txnId }
     }
     // return all events
     return receivedEvents
diff --git a/platform/src/main/java/org/stellar/anchor/platform/component/sep/SepBeans.java b/platform/src/main/java/org/stellar/anchor/platform/component/sep/SepBeans.java
index 8728664c19..62b134a27a 100644
--- a/platform/src/main/java/org/stellar/anchor/platform/component/sep/SepBeans.java
+++ b/platform/src/main/java/org/stellar/anchor/platform/component/sep/SepBeans.java
@@ -123,9 +123,10 @@ Sep6Service sep6Service(
       AssetService assetService,
       Sep6TransactionStore txnStore,
       EventService eventService,
+      CustomerIntegration customerIntegration,
       FeeIntegration feeIntegration,
       Sep38QuoteStore sep38QuoteStore) {
-    RequestValidator requestValidator = new RequestValidator(assetService);
+    RequestValidator requestValidator = new RequestValidator(assetService, customerIntegration);
     ExchangeAmountsCalculator exchangeAmountsCalculator =
         new ExchangeAmountsCalculator(feeIntegration, sep38QuoteStore, assetService);
     return new Sep6Service(
diff --git a/platform/src/main/java/org/stellar/anchor/platform/controller/AbstractControllerExceptionHandler.java b/platform/src/main/java/org/stellar/anchor/platform/controller/AbstractControllerExceptionHandler.java
index c801f0439a..6f0299886f 100644
--- a/platform/src/main/java/org/stellar/anchor/platform/controller/AbstractControllerExceptionHandler.java
+++ b/platform/src/main/java/org/stellar/anchor/platform/controller/AbstractControllerExceptionHandler.java
@@ -9,6 +9,7 @@
 import org.springframework.web.bind.annotation.ExceptionHandler;
 import org.springframework.web.bind.annotation.ResponseStatus;
 import org.stellar.anchor.api.exception.*;
+import org.stellar.anchor.api.sep.CustomerInfoNeededResponse;
 import org.stellar.anchor.api.sep.SepExceptionResponse;
 
 public abstract class AbstractControllerExceptionHandler {
@@ -41,6 +42,12 @@ public SepExceptionResponse handleAuthError(SepException ex) {
     return new SepExceptionResponse(ex.getMessage());
   }
 
+  @ExceptionHandler(SepCustomerInfoNeededException.class)
+  @ResponseStatus(value = HttpStatus.FORBIDDEN)
+  public CustomerInfoNeededResponse handle(SepCustomerInfoNeededException ex) {
+    return new CustomerInfoNeededResponse(ex.getFields());
+  }
+
   @ExceptionHandler({SepNotFoundException.class, NotFoundException.class})
   @ResponseStatus(value = HttpStatus.NOT_FOUND)
   SepExceptionResponse handleNotFound(AnchorException ex) {