73 Amendments of Evelyne GEBHARDT related to 2013/0139(COD)
Amendment 75 #
Proposal for a directive
Recital 27
Recital 27
(27) Consumers who are legally residentstaying in the Union and who do not hold a payment account in a certain Member State should be in a position to open and use a payment account with basic features in that Member State. In order to ensure the widest possible access to such accounts, consumers should have access to them irrespective of their financial circumstances, such as unemployment or personal bankruptcy, and of their place of residence. Moreover, the right to access a payment account with basic features in any Member State should be granted in conformity with the requirements set out in Directive 2005/60/EC of the European Parliament and of the Council of 26 October 2005 on the prevention of the use of the financial system for the purpose of money laundering and terrorist financing16 , in particular with regard to customer due diligence procedures. __________________ 16 OJ L 309, 25.11.2005, p. 15.
Amendment 81 #
Proposal for a directive
Recital 28
Recital 28
(28) Member States should ensure that at least one payment account with basic features is offered to consumers by all payment service providers offers aing payment account with basic features to consumers, covering at least the services listed in Article 16(1), as an integral part of their regular business. Access to payment services should be provided throughout the Union for all consumers legally staying in the Union, including students, workers and homeless people without a fixed address. Access should not be overly difficult and should not entail excessive costsentail only a nominal fee for consumers. In this respect, Member States should consider factors such as the location of the designated payment service providers in their territory. In order to minimise the risk for consumers to become financially excluded, Member States should improve financial education, including at school, and combat over- indebtedness. Furthermore, Member States should promote initiatives of payment service providers in order to facilitate the combination of providing payment accounts with basic features and financial education.
Amendment 83 #
Proposal for a directive
Article 2 – paragraph 1 – point a a (new)
Article 2 – paragraph 1 – point a a (new)
(aa) 'legally staying' means any EU citizen or person from a third-country that is legally staying in the EU territory, including students, workers and homeless people without a fixed address;
Amendment 127 #
Proposal for a directive
Article 10 – paragraph 6 – point d
Article 10 – paragraph 6 – point d
(d) close the payment account free of charge;
Amendment 138 #
Proposal for a directive
Article 14 – paragraph 1
Article 14 – paragraph 1
Member States shall ensure that consumers legally residentstaying in the Union are not discriminated against by reason of their nationality or place of residence when applying for or accessing a payment account within the Union. Holding a basic payment account shall further by no means be discriminating. Making any discrimination visible through for example a different appearance of the card, a different account or card number, shall not be allowed.
Amendment 145 #
Proposal for a directive
Recital 13
Recital 13
(13) The fee terminology should be determined by national competent authorities, allowing for consideration of the specificities of local markets. To be considered representative, services should be subject to a fee or offered free of charge at a minimum of one payment service provider in Member States. In addition, where possible, fee terminology should be standardised at EU level, thus allowing for comparison across the Union. The European Banking Authority (EBA) should establish guidelines to assist Member States to determine the most representative payment services, subject to a fee or offered free of charge, at national level.
Amendment 145 #
Proposal for a directive
Article 15 – paragraph 2
Article 15 – paragraph 2
2. Member States shall ensure that consumers legally residentstaying in the Union have the right to open and use a payment account with basic features with the payment service provider or providers identified pursuant to paragraph 1. Such a right shall apply irrespective of the consumer's place of residence. Member States shall ensure that the exercise of the right is not made excessively difficult or burdensome for the consumer. Before opening the payment account with basic features, payment service providers shall verify by asking the consumer to sign a declaration of honour whether the consumer holds or does not hold a payment account in their territory.
Amendment 149 #
Proposal for a directive
Recital 14
Recital 14
(14) Once national competent authorities have determined a provisional list of the most representative services subject to a fee or offered free of charge at national level together with terms and definitions, the Commission should review them to identify, by means of delegated acts, the services that are common to the majority of Member States and propose standardised EU level terms and definitions for them.
Amendment 165 #
Proposal for a directive
Recital 19
Recital 19
(19) In order to obtain impartial information on bank fees, consumers should be able to access comparison websites which are operationally independent from payment service providers. Member States should therefore ensure that at least one such website is available to consumers in their respective territories. Such comparison websites may be operated by competent authorities, other public authorities and/or accredited private operators. Member States should establish a voluntary accreditation scheme allowing private operators of comparison websites to apply for accreditation in accordance with specified quality criteria. A comparison website operated by a competent authority or other public authority should be established where a privately operated website has not been accredited. Such websites should also comply with the quality criteria. In order to facilitate the overview of fees charged by payment services providers in the European Union, the European Commission shall establish an up-to-date, independent, accurate, reliable and consumer-friendly portal providing all links to the accredited comparison websites in the respective Member States.
Amendment 167 #
Proposal for a directive
Recital 20
Recital 20
(20) It is current practice for payment service providers to offer a payment account in a package with other financial products or services. This practice can be a means for payment service providers to diversify their offer and to compete against each other, and in the end it can be beneficial for consumers. However the Commission study on tying practices in the financial sector conducted in 2009 as well as relevant consultations and consumer complaints have showed that payment service providers may offer bank accounts packaged with products not requested by consumers and which are not essential for payment accounts, such as household insurance. Moreover, it has been observed that these practices may reduce transparency and comparability of prices, limit purchasing options for consumers and negatively impact upon their mobility. Therefore, Member States should ensure that when payment service providers offer packaged payment accounts consumers are provided with information on the applicable fees for the payment account and for each other financial service included in the package separately. These obligations should not apply to services which are naturally connected to the use of the payment account, such as withdrawals, wire transfers or payment cards. As a result, these services should be excluded from the scope of this provision.
Amendment 184 #
Proposal for a directive
Recital 27
Recital 27
(27) Consumers who are legally resident in the Union and who do not hold a payment account in a certain Member State should be in a position to open and use a payment account with basic features in that Member State. In order to ensure the widest possible access to such accounts, consumers should have access to them irrespective of their financial circumstances, – such as unemployment status, level of income, credit history or personal bankruptcy, – and of their place of residence. Moreover, the right to access a payment account with basic features in any Member State should be granted in conformity with the requirements set out in Directive 2005/60/EC of the European Parliament and of the Council of 26 October 2005 on the prevention of the use of the financial system for the purpose of money laundering and terrorist financing, in particular with regard to customer due diligence procedures.
Amendment 190 #
Proposal for a directive
Recital 28
Recital 28
(28) Member States shouldall ensure that at least one payment account with basic features is offered to consumers by all payment service providers offers aing payment account with basic features to consumers, covering at least the services listed in Article 16(1), as an integral part of their regular business. Access should not be overly difficult and should not entail excessive costsentail only a nominal fee for consumers. In this respect, Member States should consider factors such as the location of the designated payment service providers in their territory. In order to minimise the risk for consumers to become financially excluded, Member States should improve financial education, including at school, and combat over- indebtedness. Furthermore, Member States should promote initiatives of payment service providers in order to facilitate the combination of providing payment accounts with basic features and financial education.
Amendment 199 #
Proposal for a directive
Recital 30
Recital 30
(30) Consumers should be guaranteed access to a range of basic payment services, for which a minimum number of operations shall be determined by Member States in a way that should take into account both the needs of the consumers and the commercial practices in the Member State concerned. Beyond this list of minimumbasic services, banks may apply their regular fees. Services linked to basic payment accounts should include the facility to deposit and withdraw money. Consumers should be able to undertake essential payment transactions such as receiving income or benefits, paying bills or taxes and purchasing goods and services, including via direct debit, credit transfer and the use of a payment card. Such services should allow the purchase of goods and services online and should give consumers the opportunity to initiate payment orders via the payment service provider's online banking facility, where available. However, a payment account with basic features should not be restricted to online usage as this would create an obstacle for consumers without internet access. Consumers should not be given access to an overdraft facility with a payment account with basic features. However, Member States may allow payment services providers to offer buffering facilities for very small amounts in relation to payment accounts with basic features. As long as a payment account with basic features is operated by the consumer for personal use, there should be no limits to the number of operations to be provided to the consumer under the specific pricing rules of this account.
Amendment 229 #
Proposal for a directive
Article 2 – paragraph 1 – point c a (new)
Article 2 – paragraph 1 – point c a (new)
(ca) ‘services that are linked to the payment account’ means all services that are linked to a payment account, also including payment services;
Amendment 235 #
Proposal for a directive
Article 2 – paragraph 1 – point k
Article 2 – paragraph 1 – point k
(k) ‘fees’ means the chargeall costs which are linked to the payment account, including overdraft facilities, penalties and interest rates for credit cards, if any, payable by the consumer to the payment service provider for the provision of payment services or for transactions operated on a payment account;
Amendment 239 #
Proposal for a directive
Article 2 – paragraph 1 – point o
Article 2 – paragraph 1 – point o
(o) ‘credit transfer’ means a national or cross-border payment service for crediting a payee's payment account with a payment transaction or a series of payment transactions from a payer's payment account by the payment service provider which holds the payer's payment account, based on an instruction given by the payer;
Amendment 245 #
Proposal for a directive
Article 3 – title
Article 3 – title
List of the most representativservices that are linked to the payment servicesaccount subject to a fee at national level and standardised terminology
Amendment 248 #
Proposal for a directive
Article 3 – paragraph 1
Article 3 – paragraph 1
1. Member States shall ensure that the competent authorities referred to in Article 20, determine a provisional list of at least 20 payment services accounting for at least 80% of the most representativll services that are linked to the payment servicesaccount subject to a fee at national level. The list shall contain standardised terms and definitions for each of the services identified. To each service only one name shall apply.
Amendment 259 #
Proposal for a directive
Article 3 – paragraph 2
Article 3 – paragraph 2
Amendment 269 #
Proposal for a directive
Article 3 – paragraph 4
Article 3 – paragraph 4
4. The Commission shall be empowered to adopt delegated acts, in accordance with Article 24, concerning the setting out, on the basis of the provisional lists submitted pursuant to paragraph 3, of an EU standardised terminology for those payment services that are linked to the payment account that are common to at least a majority of Member States. The EU standardised terminology will include common terms and definitions for the common services. To each service only one name shall apply.
Amendment 280 #
Proposal for a directive
Article 4 – paragraph 1
Article 4 – paragraph 1
1. Member States shall ensure that beforein an appropriate time prior to entering into a contract for a payment account with a consumer, payment service providers provide and inform the consumer with a fee information document containing the list of the most representative services referred to in paragraph 5 of Article 3 and the corresponding fees for each service.
Amendment 285 #
Proposal for a directive
Article 4 – paragraph 1 a (new)
Article 4 – paragraph 1 a (new)
1a. The payment service providers are not allowed to charge any fees that are not stated in the given fee information document.
Amendment 289 #
Proposal for a directive
Article 4 – paragraph 2
Article 4 – paragraph 2
2. Where one or more payment services that are linked to the payment account referred to in paragraph 1 is offered as part of a package of financial services, the fee information document shall disclose which of the services referred to in paragraph 1 are included in the package, the fee for the entire package and the fee for any service that is not referred to in paragraph 1.
Amendment 303 #
Proposal for a directive
Article 4 – paragraph 4
Article 4 – paragraph 4
4. Member States shall ensure that payment service providers make available to consumers a glossary of at least the list of payment services referred to in paragraph 1 and the related definitions.
Amendment 327 #
Proposal for a directive
Article 5 – paragraph 1
Article 5 – paragraph 1
1. Member States shall ensure that payment service providers provide the consumer free of charge with a statement of all fees incurred on their payment account preferably monthly but at least annualquarterly.
Amendment 345 #
Proposal for a directive
Article 5 – paragraph 2 – point c a (new)
Article 5 – paragraph 2 – point c a (new)
(ca) a pre-notification about possible changes or increases of fees which will be charged in the following period;
Amendment 359 #
Proposal for a directive
Article 6 – paragraph 1
Article 6 – paragraph 1
1. Member States shall ensure that in their contractual and commercial information, payment service providers use, where relevant, the terms and definitions contained in the list of the most representative payment services referred to in Article 3, paragraph 5.
Amendment 372 #
Proposal for a directive
Article 7 – paragraph 1
Article 7 – paragraph 1
1. Member States shall ensure that consumers have free access to at least one website comparing fees charged and interest rates applied by payment service providers for services offered on payment accounts at national level in accordance with paragraphs 2 and 3.
Amendment 378 #
Proposal for a directive
Article 7 – paragraph 2 – point a
Article 7 – paragraph 2 – point a
(a) be operationally independent of any payment service provider;
Amendment 380 #
Proposal for a directive
Article 7 – paragraph 2 – point a a (new)
Article 7 – paragraph 2 – point a a (new)
(aa) clearly disclose their owners and funding;
Amendment 384 #
Proposal for a directive
Article 7 – paragraph 2 – point c
Article 7 – paragraph 2 – point c
(c) provide up-to-date, accurate, reliable and consumer-friendly information;
Amendment 392 #
Proposal for a directive
Article 7 – paragraph 5 a (new)
Article 7 – paragraph 5 a (new)
5a. In order to facilitate the overview of fees charged by payment services providers in the European Union, the European Commission shall establish an up-to-date, independent, accurate, reliable and consumer-friendly portal providing all links to the accredited comparison websites in the respective Member States.
Amendment 394 #
Proposal for a directive
Article 7 – paragraph 5 a (new)
Article 7 – paragraph 5 a (new)
5a. By the end of 2018 also European websites comparing fees charged by payment service providers for services offered on payment accounts in the different Member States shall be developed. European Commission shall establish, by that date, a public European comparison website, operated in cooperation with EBA. By that date, European Commission shall also develop through delegated act, in accordance with Art 24, a voluntary accreditation scheme for private European comparison websites. In order to be granted accreditation, European comparison websites operated by private operators shall respect all conditions listed in Paragraph 2. European Commission shall retain the right to refuse or withdraw accreditation from private operators in the event of a failure to comply with the obligations listed in Paragraph 2.
Amendment 395 #
Proposal for a directive
Article 7 – paragraph 5 b (new)
Article 7 – paragraph 5 b (new)
5b. European Commission shall establish and continuously update a single portal to provide the links of accredited comparison websites for each Member State and at European level. This portal shall also provide consumers with a glossary of the Union standardised terminology adopted in accordance with Article 3 and guidelines about cross- border switching of payment accounts. The portal shall also make public and easily available the list and the contacts of the different national competent authorities referred to in Art 20.
Amendment 402 #
Proposal for a directive
Article 8 – paragraph 1
Article 8 – paragraph 1
1. Member States shall ensure that when a payment account is offered together with another service or product as part of a package, the payment service provider informs the consumer of whetherin an appropriate time prior to entering into a contract for a payment account that it is possible to buy the payment account separately and provides separate information regarding the costs and fees associated with each of the products and services offered in the package.
Amendment 403 #
Proposal for a directive
Article 8 – paragraph 1 a (new)
Article 8 – paragraph 1 a (new)
1a. The consumer shall be able to purchase services separately that are not included in the payment account with basic features as defined in Article 16.
Amendment 404 #
Proposal for a directive
Article 8 – paragraph 1 b (new)
Article 8 – paragraph 1 b (new)
1b. Providers should, moreover, be free to offer credit products, as separate services, to basic payment account customers, where appropriate. The access to or use of the basic payment account should in no way be restricted by or made conditional on the purchase of such services or products.
Amendment 406 #
Proposal for a directive
Article 8 – paragraph 2
Article 8 – paragraph 2
Amendment 419 #
Proposal for a directive
Article 9 – paragraph 1 a (new)
Article 9 – paragraph 1 a (new)
Regarding switching between domestic payment service providers, Member States may uphold or establish provisions that deviate slightly from those outlined in Article 10 if this entails efficiencies that are clearly in the interest of the consumer.
Amendment 435 #
Proposal for a directive
Article 10 – paragraph 3 – point a
Article 10 – paragraph 3 – point a
(a) transmit to the receiving payment service provider and, if specifically requested by the consumer pursuant to paragraph 2, to the consumer aproviding the consumer with a comprehensive summary list of all existing standing orders for credit transfers and debtor driven direct debit mandates and asking for confirmation for transmitting them to the receiving payment service provider;
Amendment 458 #
Proposal for a directive
Article 10 – paragraph 4 – point a
Article 10 – paragraph 4 – point a
(a) set up within seven calendarbusiness days the standing orders for credit transfers requested by the consumer and execute them from the date specified in the authorisation;
Amendment 476 #
Proposal for a directive
Article 10 – paragraph 6 – point a
Article 10 – paragraph 6 – point a
(a) send the receiving payment service provider the information indicated in points (a), (b) and (c) of paragraph 3 within seven calendarbusiness days of receiving the request;
Amendment 498 #
Proposal for a directive
Article 11 – paragraph 3
Article 11 – paragraph 3
3. Member States shall ensure that no fees, if any, are applied by the transferring payment service provider to the consumer for the termination of the payment account held with it are determined in accordance with. Article 45(2) of Directive 2007/64/EC shall be amended accordingly.
Amendment 501 #
Proposal for a directive
Article 11 – paragraph 4
Article 11 – paragraph 4
4. Member States shall ensure that no fees, if any, are applied by the transferring or the receiving payment service provider to the consumer for any service provided under Article 10, other than those referred to in paragraphs 1 to 3, shall be appropriate and in line with the actual costs of that payment service provider.
Amendment 506 #
Proposal for a directive
Article 12 – paragraph 1
Article 12 – paragraph 1
1. Member States shall ensure that any financial loss incurred by the consumer resulting from the non-compliance of a payment service provider involved in the switching process with its obligations under Article 10 is refunded by that payment service provider in due time. The burden of proof shall rest with the payment service provider, which shall demonstrate that the conditions laid down in Article 10 have been respected.
Amendment 507 #
Proposal for a directive
Article 12 – paragraph 1
Article 12 – paragraph 1
1. Member States shall ensure that any financial loss incurred by the consumer resulting from the non-compliance of a payment service provider involved in the switching process with its obligations under Article 10 is refunded by that payment service provider in due time. The burden of proof shall rest with the payment service provider, which shall demonstrate that the conditions laid down in Article 10 have been respected.
Amendment 513 #
Proposal for a directive
Article 13 – paragraph 1 – point c
Article 13 – paragraph 1 – point c
Amendment 517 #
Proposal for a directive
Article -14 a (new)
Article -14 a (new)
Article -14 a Right to have access to a payment account with basic features All legal residents in the European Union shall enjoy the right to have access to a payment account with basic features free of charge or as a maximum for a nominal fee.
Amendment 524 #
Proposal for a directive
Article 14 – paragraph 1
Article 14 – paragraph 1
Member States shall ensure that consumers legally resident in the Union are not discriminated against by reason of their nationality or, place of residence, or any other reason when applying for or accessing a payment account within the Union.
Amendment 528 #
Proposal for a directive
Article 15 – paragraph 1
Article 15 – paragraph 1
1. Member States shall ensure that at least one payment service provider in their territory offersensure that a payment account with basic features is offered to consumers. Member States shall ensure that payment accounts with basic features are not only offered by payment serv by all payment service providers offering payment accounts, covering at least the services listed in Article providers that provide the account solely with online banking facilitie16(1), as an integral part of their regular business.
Amendment 553 #
Proposal for a directive
Article 15 – paragraph 2
Article 15 – paragraph 2
2. Member States shall ensure that consumers legally resident in the Union have the right to open and use a payment account with basic features with the payment service provider or providers identified pursuant to paragraph 1. Such a right shall apply irrespective of the consumer's place of residence. Member States shall ensure that the exercise of the right is not made excessively difficult or burdensome for the consumer. Before opening the payment account with basic features, payment service providers shall verify by asking the consumer to sign a declaration of honour, whether the consumer holds or does not hold a payment account in their territory.
Amendment 564 #
Proposal for a directive
Article 15 – paragraph 3 – point a
Article 15 – paragraph 3 – point a
(a) Where a consumer already holds a payment account, with a payment service provider located in their territory, which allows him to make use of the payment services listed in Article 176(1);
Amendment 588 #
Proposal for a directive
Article 15 – paragraph 4
Article 15 – paragraph 4
4. Member States shall ensure that, in the cases indicated in paragraph 3, the payment service provider immediately informs the consumer of the refusal and the reason for it, in writing and free of charge, unless such disclosure would be contrary to the objectives of national security or public policy.
Amendment 590 #
Proposal for a directive
Article 15 – paragraph 4 a (new)
Article 15 – paragraph 4 a (new)
4a. Consumers already holding a payment account in the corresponding Member State shall also be able to switch to a basic payment account using the switching service provided in Article 10.
Amendment 595 #
Proposal for a directive
Article 16 – paragraph 1 – introductory part
Article 16 – paragraph 1 – introductory part
1. Member States shall ensure that a payment account with basic features includes the following payment services:
Amendment 613 #
Proposal for a directive
Article 16 – paragraph 1 – point d – point 1
Article 16 – paragraph 1 – point d – point 1
(1) SEPA and non-Euro direct debit;
Amendment 617 #
Proposal for a directive
Article 16 – paragraph 1 – point d – point 2
Article 16 – paragraph 1 – point d – point 2
(2) SEPA and non-Euro payment transactions through a payment card, including online payments;
Amendment 620 #
Proposal for a directive
Article 16 – paragraph 1 – point d – point 3
Article 16 – paragraph 1 – point d – point 3
(3) SEPA and non-Euro credit transfers.
Amendment 623 #
Proposal for a directive
Article 16 – paragraph 1 – point d – point 3 a (new)
Article 16 – paragraph 1 – point d – point 3 a (new)
(3a) SEPA and non-Euro standing orders and direct debit authorisations.
Amendment 628 #
Proposal for a directive
Article 16 – paragraph 2
Article 16 – paragraph 2
2. Member States shall determine, for all the services referred to in paragraph 1, a minimum number of operations which will be providensure that, as long as a payment account with basic features is operated toby the consumer for the fee, if any, referred to in Article 17. The minimum number of operations shall be reasonable and in line with the common commercial practice in the Member State concernedpersonal use, there are no limits to the number of operations which will be provided to the consumer under the specific pricing rules set out in Article 17.
Amendment 635 #
Proposal for a directive
Article 16 – paragraph 4
Article 16 – paragraph 4
4. Member States shall ensure that the consumer is not offered any overdraft facilities in conjunction with the payment account with basic features. Member States should be able however, where appropriate, to allow payment service providers to provide small overdrafts as a buffer to cover temporary negative balances. The fees charged for such overdrafts and for separate credit products should be transparent and at least as favourable as usual pricing policy of the provider.
Amendment 643 #
Proposal for a directive
Article 17 – paragraph 1
Article 17 – paragraph 1
1. Member States shall ensure that the services indicated in Article 16 are offered by payment service providers free of charge or for a reasonablenominal fee.
Amendment 645 #
Proposal for a directive
Article 17 – paragraph 2
Article 17 – paragraph 2
2. Member States shall ensure that the fees charged to the consumer for non- compliance with the consumer's commitments laid down in the framework contract are reasonable. In situations independent of his will, the consumer shall not be charged any fees, such as in cases of rejected recurrent payments due to a late incoming payment.
Amendment 646 #
Proposal for a directive
Article 17 – paragraph 2
Article 17 – paragraph 2
2. Member States shall ensure that the fees charged to the consumer for non- compliance with the consumer's commitments laid down in the framework contract are reasonable and never higher than the fees of the regular pricing policy of the provider.
Amendment 648 #
Proposal for a directive
Article 17 – paragraph 2 a (new)
Article 17 – paragraph 2 a (new)
2a. In the cases where services indicated in Article 16 are not offered free of charge, Member States shall also ensure that competent authorities establish an upper limit for the total amount of the nominal fees charged in a year by a payment service provider to the consumer.
Amendment 650 #
Proposal for a directive
Article 17 – paragraph 3
Article 17 – paragraph 3
Amendment 657 #
Proposal for a directive
Article 17 – paragraph 4
Article 17 – paragraph 4
Amendment 700 #
Proposal for a directive
Article 20 – paragraph 2
Article 20 – paragraph 2
2. The authorities referred to in paragraph 1 shall possess all the powers necessary for the performance of their duties. Where more than one competent authority is empowered to ensure and monitor effective compliance with this Directive, Member States shall ensure that those authorities collaborate closely so that they can discharge their respective duties effectively. Those authorities shall closely cooperate with the competent authorities of other Member States to ensure the correct and full application of the measures established in this Directive.
Amendment 703 #
Proposal for a directive
Article 21 – paragraph 1 a (new)
Article 21 – paragraph 1 a (new)
1a. Member States shall ensure that the payment account providers commit to at least to one or more ADR bodies.
Amendment 704 #
Proposal for a directive
Article 21 – paragraph 1 b (new)
Article 21 – paragraph 1 b (new)
1b. Member States shall ensure that payment service providers inform the consumer about the alternative dispute resolution entities by which they are covered and which are competent to deal with potential disputes between themselves and the consumer. They shall also specify whether or not they commit or are obliged to use these entities to resolve disputes with consumers.
Amendment 705 #
Proposal for a directive
Article 21 – paragraph 1 c (new)
Article 21 – paragraph 1 c (new)
1c. The information referred to in paragraph 1b shall be mentioned in a clear, comprehensible and easily accessible way on the providers' website, where one exists and in the general terms and conditions of sales or service contracts between the provider and the consumer.
Amendment 706 #
Proposal for a directive
Article 21 – paragraph 1 d (new)
Article 21 – paragraph 1 d (new)
1d. Member States may maintain or introduce alternative disputes resolution procedures dealing jointly with identical or similar disputes between a payment service provider and several consumers. Alternative disputes resolutions systems for both individual and collective disputes and redress shall be complementary and not mutually exclusive procedures.
Amendment 717 #
Proposal for a directive
Article 26 – paragraph 1 – introductory part
Article 26 – paragraph 1 – introductory part
Member States shall provide the Commission with information on the following matters for the first time within 32 years from entry into force of this Directive and every 2 years thereafter: