10 Amendments of Jean LAMBERT related to 2013/0139(COD)
Amendment 192 #
Proposal for a directive
Recital 28
Recital 28
(28) Member States should ensure that at least one payment service provider offers a payment account with basic features to consumers. Access should not be overly difficult and should not entail excessive costs for consumers. In this respect, Member States should consider factors such as the location of the designated payment service providers in their territory. In order to minimise the risk for consumers to become financially excluded, Member States should improve financial education, including at school, and combat over- indebtedness. Furthermore, Member States should promote initiatives of payment service providers in order to facilitate the combination of providing payment accounts with basic features and financial education to advise vulnerable people on aspects of budgeting and over- indebtedness.
Amendment 213 #
Proposal for a directive
Recital 39
Recital 39
(39) A review of this Directive should be carried out five years after its entry into force in order to take account of market developments, such as the emergence of new types of payment accounts and payment services, as well as developments in other areas of Union law and the experiences of Member States. The review should assess whether the measures introduced have improved consumer understanding of payment account fees, the comparability of payment accounts and the ease of switching accounts. It should also determine how many basic payment accounts have been opened including by previously unbanked consumers, the periods for which such accounts are held, the number of refusals to open basic payment accounts and the number of closures of such accounts and the reasons for them, as well as the associated charges. It should also assess whether extended deadlines for payment service providers performing cross-border switching are to be maintained for a longer period. Also, it should assess whether the provisions on the information to be provided by payment service providers when offering packaged products are sufficient or whether additional measures are needed. The Commission should submit a report to the European Parliament and the Council accompanied, if appropriate, by legislative proposals.
Amendment 353 #
Proposal for a directive
Article 5 – paragraph 4
Article 5 – paragraph 4
4. The Commission shall be empowered to adopt implementing acts pursuant to Article 265 to define the format of the statement of fees, its common symbol and the order in which the services referred to in paragraph 5 of Article 3 shall be presented in the statement of fees.
Amendment 607 #
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 counters and automatic teller machines, including outside branch opening hours;
Amendment 631 #
Proposal for a directive
Article 16 – paragraph 2
Article 16 – paragraph 2
2. Member StatesThe Commission shall determine, for all the services referred to in paragraph 1, a minimum number of operations which will be provided to the consumer for the fee, if any, referred to in Article 17. The minimum number of operations shall be reasonable and in line with the common commercial practice in the Member State concernedEuropean Union.
Amendment 636 #
Proposal for a directive
Article 16 – paragraph 4
Article 16 – paragraph 4
4. Member States shall ensure that the consumer is not offered any overdraft facilities other than a temporary buffering facility for a very small amount in conjunction with the payment account with basic features.
Amendment 638 #
Proposal for a directive
Article 16 – paragraph 4 a (new)
Article 16 – paragraph 4 a (new)
4a. The Commission shall be empowered to adopt implementing acts in accordance with Article 25 in order to determine what the minimum number of operations as referred to in paragraph 2 shall be.
Amendment 697 #
Proposal for a directive
Article 19 – paragraph 2 a (new)
Article 19 – paragraph 2 a (new)
2a. Member States shall ensure that measures are taken to assist vulnerable members of society with matters concerning budgeting and overindebtedness.
Amendment 718 #
Proposal for a directive
Article 26 – paragraph 1 – point d
Article 26 – paragraph 1 – point d
(d) the number of payment accounts with basic features opened, the length of time for which such accounts are held, the number and grounds for refusal and closure and the associated charges.
Amendment 719 #
Proposal for a directive
Article 26 – paragraph 1 – point d a (new)
Article 26 – paragraph 1 – point d a (new)
(da) the measures taken to assist vulnerable members of society with matters concerning budgeting and overindebtedness.