Activities of Hans-Peter MAYER related to 2012/2055(INI)
Shadow opinions (1)
OPINION on Access to Basic Banking Services
Amendments (12)
Amendment 3 #
Draft opinion
Recital C
Recital C
C. whereas this right should also apply to people who want to open a bank account in a Member State because of a connection they have to that state without being forced to close an existing account in another Member State;
Amendment 7 #
Draft opinion
Recital F
Recital F
F. whereas in its 2011 work programme the Commission announced its intention of publishing a proposal for a legislative instrument concerning access to a bank account, but whereas on 18 July 2011 it instead merely published a recommendation on access to a basic payment account; whereas voluntary commitment on the part of the banks has not yet succeeded in effectively securing universal access to basic payment accounts; whereas only a legislative instrument can guarantee the legal certainty ordinary members of the public need;
Amendment 11 #
Draft opinion
Recital F a (new)
Recital F a (new)
Fa. whereas the market must also adapt by broadly accepting basic bank account cards alongside credit cards if basic payment accounts are to become more widespread;
Amendment 16 #
Draft opinion
Recital K
Recital K
K. whereas, although the purpose of the current single European payment area (SEPA) is to ensure that a bank account is all that is needed to complete all national and international transactions, the process of establishing the SEPA has not yet been completed; whereas ensuring transparency in terms of services and the associated costs, and additional measures to make the SEPA more effective in all Member States, are therefore essential;
Amendment 30 #
Draft opinion
Recommendation 2 – paragraph 1
Recommendation 2 – paragraph 1
Member States should ensure that every consumer legally resident in the EU is entitled to open and keep an account with any payment service provider operating on their territory. Consumers must, however, have a demonstrable connection to the Member State in which they intend to open a basic payment account, for example a (prospective) home, a (future) place of work or a (future) course of study. It should make no difference, when opening an account, whether the consumer has an account in another Member State enabling him or her to make use in that Member State of the services specified in recommendation 3. This entitlement is applicable regardless of the consumer’s financial circumstances.
Amendment 37 #
Draft opinion
Recommendation 2 – paragraph 2
Recommendation 2 – paragraph 2
Member States should ensure that all banks with private customersinvolved in general retail banking 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 38 #
Draft opinion
Recommendation 2 – paragraph 2 a (new)
Recommendation 2 – paragraph 2 a (new)
Amendment 50 #
Draft opinion
Recommendation 3 – paragraph 1
Recommendation 3 – paragraph 1
A basic payment account should serve, without discrimination, to effect all operations required in order to open, operate, and close a payment account, produce statements, perform services enabling money to be placed in a payment account and services enabling cash withdrawals from a payment account, and execute direct debiting, credit transfer, and payment transactions through a standard payment card.
Amendment 52 #
Draft opinion
Recommendation 3 – paragraph 2
Recommendation 3 – paragraph 2
Access to a basic payment account should not be made subject to the purchase of additional services such as insurance, or to non-monetary considerations such as the prior signing of a rental contract.
Amendment 69 #
Draft opinion
Recommendation 3 – paragraph 7
Recommendation 3 – paragraph 7
Amendment 72 #
Draft opinion
Recommendation 3 – paragraph 10
Recommendation 3 – paragraph 10
Member States should launch information campaigns through public bodies and in cooperation with consumer organisations or important social institutions on the concept of basic payment accounts in order to increase consumer understanding of the right of access to such accounts and of the ways of using out-of- court complaint and dispute settlement procedures. Imparting financial knowledge is a matter of crucial importance, since it strengthens consumers’ position and enables them to integrate into the single market.
Amendment 86 #
Draft opinion
Recommendation 5 – paragraph 1
Recommendation 5 – paragraph 1
No later than twohree years after the legislation has entered into force, the Commission should submit a detailed report to the European Parliament and the Council on its enforcement and transposition. The report should, in addition, discuss whether additional measures are required and contain such proposals as might be necessary to adapt or amend the legislation.