10 Amendments of Gay MITCHELL related to 2012/2055(INI)
Amendment 37 #
Motion for a resolution
Recital J
Recital J
J. whereas in order to be effective a basic bank account needs to be straightforward to open, even for those with non-standard proof of identity and to provide a specified range of core services, and there need to be measures in place for effective supervision and settlement of conflicts;
Amendment 42 #
Motion for a resolution
Recital K
Recital K
K. whereas as part of their corporate social responsibility strategies, banks should share responsibility with public authorities and civil society for the provision of access to basic banking serviceopening of basic bank accounts without cost;
Amendment 98 #
Proposal for a recommendation
Annex – recommendation 1 – paragraph 4
Annex – recommendation 1 – paragraph 4
Amendment 104 #
Proposal for a recommendation
Annex – recommendation 2 – paragraph 5
Annex – recommendation 2 – paragraph 5
5. The legislation should ensure that any consumer, that is to say any natural person who is acting for purposes other than his trade, business, craft or profession, legally resident in the Union has the right to open and use a basic bank account, in the country where he or she habitually resides, with a payment service provider operating in a Member State provided that the consumer does not already hold a current account or basic bank account meeting the requirements of Union legislation as specified in these Recommendations in the territory of that Member State. Proof of identity when opening a basic bank account is necessary.
Amendment 146 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 15
Annex – recommendation 3 – paragraph 15
15. Access toThe opening of a basic bank account should be free of charge.
Amendment 153 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 16
Annex – recommendation 3 – paragraph 16
16. Any default charges should be affordablewithin reason and at least as favourable as the provider’s usual pricing policy. The legislation should ensure that the consumer does not bear any fee or penalty arising from circumstances independent of his/her will, such as insufficient funds in his account due to late payment of wages or social benefits.
Amendment 166 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 17 – section A – subparagraph 1
Annex – recommendation 3 – paragraph 17 – section A – subparagraph 1
The consumer should be provided with non-discriminatory access to personal service, such as over-the-counter service in branches and to the use of automatic teller machines (ATMs), including other banks’ ATMs where technically possible. The provider should not charge anyminimal fees related to the execution of basic account management services.
Amendment 176 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 17 – section C
Annex – recommendation 3 – paragraph 17 – section C
Amendment 181 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 17 – section D
Annex – recommendation 3 – paragraph 17 – section D
Member States may require further functionalities to be included to the basic bank account. Payment service providers should be permitted to, at their own initiative, enlarge the range of functionalities, with the exception of providing an overdraft facility, such as a facility for savings or international money remittances. Access to a basic bank account should not be made conditional on the purchase of such additional services.
Amendment 199 #
Proposal for a recommendation
Annex – recommendation 4 – paragraph 21
Annex – recommendation 4 – paragraph 21
21. Providers should, after identifying consumers’ needs, recommend a basic bank account if it fits the needs expressed by the consumer. Consumers interested in opening a basic bank account should receive information in a durable medium setting out the services included, the fact that they are not tied to purchasing other products or services, and the cost, if any. The information should be understandable, standardised and as simple as possible and distributed in any Union language requested by the costumer. Staff should make sure that the consumer has understood what his rights and obligations are when contracting such an account.