7 Amendments of Anna HEDH related to 2012/2055(INI)
Amendment 35 #
Draft opinion
Recommendation 2 – paragraph 2
Recommendation 2 – paragraph 2
Member States should ensure that all bankpayment service providers with private customers are obliged to offer basic payment accounts, so as to avoid discrimination and unfair competition among banks, except where specific arrangements are in force in a Member State.
Amendment 45 #
Draft opinion
Recommendation 2 – paragraph 3 a (new)
Recommendation 2 – paragraph 3 a (new)
The Commission and the Member States should aim to further clarify the interpretation of anti-money laundering and anti-terrorist financing legislation in order to ensure that it is applied in a balanced and proportional way in the context of basic banking services. Nobody should be denied access to or be disqualified from a basic payment account on these grounds unless there are well- founded and objective reasons for doing so. Such legislation should never be used as an unfounded pretext for rejecting commercially less attractive consumers.
Amendment 46 #
Draft opinion
Recommendation 2 – paragraph 3 b (new)
Recommendation 2 – paragraph 3 b (new)
Member States should ensure that customer due diligence procedures do not lead to discriminatory practices or to unnecessarily inflexible treatment of consumers with no fixed address or without standard proof of identity. Special consideration should be given to using targeted measures and procedures by which consumers with no fixed address or standard proof of identity can satisfy due diligence requirements. If needed, Member States should set up specific schemes in support of these consumers where authorities and social services, in cooperation with payment service providers, establish solid and secure non- standard tools for pragmatically solving address and identification problems.
Amendment 53 #
Draft opinion
Recommendation 3 – paragraph 3
Recommendation 3 – paragraph 3
Member States should ensure that basic payment accounts are provided either free of charge or at a reasonable cost. If fees are charged, they should be such that no consumer is prevented from opening and using a basic payment account on cost- related grounds.
Amendment 57 #
Draft opinion
Recommendation 3 – paragraph 3 a (new)
Recommendation 3 – paragraph 3 a (new)
Payment service providers should be required to ensure that, among the products that they offer, the basic payment account is always – no matter how the comparison is made – the most affordable account for carrying out basic payment transactions.
Amendment 58 #
Draft opinion
Recommendation 3 – paragraph 3 b (new)
Recommendation 3 – paragraph 3 b (new)
In order to guarantee that costs for basic payment services do not in effect get unreasonable, every Member State should be allowed to establish an upper limit for how high the total annual fees related to opening and using a basic payment account are allowed to be.
Amendment 71 #
Draft opinion
Recommendation 3 – paragraph 9 a (new)
Recommendation 3 – paragraph 9 a (new)
The consumers targeted by the introduction of basic payment accounts make up a customer group with specific interests and needs. In order to ensure that this group can be serviced in an attentive and accommodating way, the employees at payment service providers offering these accounts should in that context be given adequate training, sufficient time and reasonably adapted sales targets.