Activities of Rebecca TAYLOR related to 2013/0264(COD)
Shadow opinions (1)
OPINION on the proposal for a directive of the European Parliament and of the Council on payment services in the internal market and amending Directives 2002/65/EC, 2013/36/EU and 2009/110/EC and repealing Directive 2007/64/EC
Amendments (3)
Amendment 12 #
Proposal for a directive
Article 4 – paragraph 1 – point 22
Article 4 – paragraph 1 – point 22
22. ‘sStrong customer authentication’ meanis a procedure for the validation of the identification of a natural or legal person basedbased on the use of two or more of the following elements – categorised as knowledge, ownership and inherence: i) something only the user knows, e.g. static password, code, personal identification number; ii) something only the use of two or more elements categorised as knowledge, possession and inherence that arer possesses, e.g. token, smart card, mobile phone; iii) something the user is, e.g. biometric characteristic, such as a fingerprint. In addition, the elements selected must be mutually independent, in that.e. the breach of one does not compromise the reliability of the others and isother(s). At least one of the elements should be non- reusable and non-replicable (except for inherence), and not capable of being surreptitiously stolen via the internet. The strong authentication procedure should be designed in such a way as to protect the confidentiality of the authentication data.
Amendment 17 #
Proposal for a directive
Article 66 – paragraph 1 – subparagraph 1
Article 66 – paragraph 1 – subparagraph 1
By way of derogation from Article 65 the payer may be obliged to bear the losses relating to any unauthorised payment transactions, up to a maximum of EUR 50 or equivalent, resulting from the use of a lost or stolen payment instrument or from the misappropriation of a payment instrument.
Amendment 20 #
Proposal for a directive
Article 90 – paragraph 4
Article 90 – paragraph 4
4. The information referred to in paragraph 21 shall be mentioned in an easily, directly, prominently and permanently accessible way on the website of the payment service provider, where one exists, in the general terms and conditions of the contract between the payment service provider and the payment service user and in invoices and receipts relating to such contracts. It shall specify how further information on the out-of-court redress entity concerned and on the conditions for using it can be accessed clear, comprehensible and easily accessible way on the trader’s website, where one exists and if applicable in the general terms and conditions of sales or service contracts between the trader and a consumer.