13 Amendments of Udo BULLMANN related to 2013/0139(COD)
Amendment 282 #
Proposal for a directive
Article 4 – paragraph 1 – subparagraph 1a (new)
Article 4 – paragraph 1 – subparagraph 1a (new)
In the event of a change to the fees to be paid, payment service providers shall inform consumers of the reason for, and amount of, the change in writing.
Amendment 310 #
Proposal for a directive
Article 4 – paragraph 6
Article 4 – paragraph 6
6. The fee information document and the glossary shall be made available free of charge at all times by payment service providers on a durable medium at premises accessible to consumers and shall be made available in electronic form on their websites, where it must be easy to find.
Amendment 340 #
Proposal for a directive
Article 5 – paragraph 2 – point c a (new)
Article 5 – paragraph 2 – point c a (new)
(ca) the overdraft interest rate and the total amount of overdraft interest paid during the relevant period.
Amendment 516 #
Proposal for a directive
Article 13 – paragraph 2
Article 13 – paragraph 2
2. The information shall be provided free of charge on a durable medium at all branches of the payment service providers accessible to consumers and be available and easily findable in electronic form on their websites at all times.
Amendment 523 #
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, in particular by reason of their nationality or place of residence when applying for or accessing a payment account within the Union.
Amendment 529 #
Proposal for a directive
Article 15 – paragraph 1
Article 15 – paragraph 1
1. Member States shall ensure that at least onell payment service provider in their territory offerss who operate branches or establishments in the respective territory and whose product range includes, in principle, payment accounts with features as specified in Article 16, offer a payment account with basic features to consumers. Member States shall ensure that payment accounts with basic features are not only offered by payment service providers that provide the account solely with online banking facilities.
Amendment 550 #
Proposal for a directive
Article 15 – paragraph 2
Article 15 – paragraph 2
2. Member States shall ensure that consumers legally resident in the Union and persons whose expulsion is impossible for reasons of fact or of law and who have no residence permit 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 whether the consumer holds or does not hold a payment account in their territon active and equivalent payment account with access to all the features listed in Article 16 in their territory. Such verification shall take account of the information provided by the consumer. The payment service provider may not confine himself exclusively to information from credit bureaus where the consumer provides valid reasons for contradicting an existing entry.
Amendment 551 #
Proposal for a directive
Article 15 – paragraph 2
Article 15 – paragraph 2
2. Member States shall ensure that consumers legally resident in the Union and persons whose expulsion is not possible for reasons of fact or of law and who have not been issued with a residence permit 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 whether the consumer holds or does not hold a payment account in their territory.
Amendment 605 #
Proposal for a directive
Article 16 – paragraph 1 – point c
Article 16 – paragraph 1 – point c
(c) services enabling cash withdrawals within the Union from a payment account at branch offices and at cash dispensers both during and outside business hours;
Amendment 621 #
Proposal for a directive
Article 16 – paragraph 1 – point d – point 3
Article 16 – paragraph 1 – point d – point 3
(3) credit transfers and standing orders at bank branch terminals or branch offices and on the online banking system currently used by the bank concerned.
Amendment 659 #
Proposal for a directive
Article 18 – paragraph 2 – introductory part
Article 18 – paragraph 2 – introductory part
2. The payment service provider may unilaterally terminate a framework contract only where at least one of the following conditions is met:
Amendment 673 #
Proposal for a directive
Article 18 – paragraph 2 – point d
Article 18 – paragraph 2 – point d
(d) the consumer is no longer legally president in the Union or has subsequently opened a second payment account in the Member State where he already holds a payment account with basic features.
Amendment 693 #
Proposal for a directive
Article 19 – paragraph 2
Article 19 – paragraph 2
2. Member States shall ensure that payment service providers actively make available to consumers information about the specific features of the payment account with basic features on offer, their associated fees and their conditions of use in writing and on their websites in easily accessible form. Member States shall also ensure that the consumer is informed that the purchase of additional services is not compulsory to access a payment account with basic features.