9 Amendments of Wolf KLINZ related to 2012/2055(INI)
Amendment 10 #
Motion for a resolution
Recital B
Recital B
B. whereas access to basic banking services is a precondition for consumers to benefit from the internal market, notably from cross-border migration, money transfer and the purchase of goods and services at non-discriminatoryappropriate cost; whereas the annual opportunity cost of not having access to a payment account is estimated at between EUR 185 to EUR 365 per consumer;
Amendment 44 #
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 services weithouter free of charge or at appropriate cost;
Amendment 80 #
Proposal for a recommendation
Annex – recommendation 1 – paragraph 1
Annex – recommendation 1 – paragraph 1
1. The legislation should obliencourage as many payment service providers as possible, as defined in Article 4(9) of Directive 2007/64/EC, to provide basic banking services.
Amendment 96 #
Proposal for a recommendation
Annex – recommendation 1 – paragraph 4
Annex – recommendation 1 – paragraph 4
Amendment 125 #
Proposal for a recommendation
Annex – recommendation 2 – paragraph 10
Annex – recommendation 2 – paragraph 10
Amendment 137 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 14
Annex – recommendation 3 – paragraph 14
14. The payment service provider should not offer, explicitly or tacitly, any overdraft facilities or overrunning in conjunction with a basic bank account. A payment order to the consumer’s payment service provider should not be executed where such an execution would result in a negative balance of the consumer’s basic bank account. Access to credit should not be considered as a component of or a right related to a basic bank account, whatever the purpose or the form of the credit.
Amendment 145 #
Proposal for a recommendation
Annex – recommendation 2 – paragraph 15
Annex – recommendation 2 – paragraph 15
15. Access to a basic bank account should be either free of charge or upon an appropriate fee.
Amendment 164 #
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 anyppropriate fees related to the execution of basic account management services.
Amendment 229 #
Proposal for a recommendation
Annex – recommendation 2 – paragraph 32
Annex – recommendation 2 – paragraph 32
32. The Commission should complement basic banking legislation by further initiatives aiming at further integration and harmonisation of retail banking services, better and more efficient financial education and prevention of financial exclusion. Such a package should: