23 Amendments of Emilie TURUNEN related to 2012/2055(INI)
Amendment 8 #
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-discriminatory cost; whereas basic banking is essential for consumers to reap the benefits of e- commerce; 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 8 #
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 despite the recommendation, 15 Member States still have no legal or voluntary provisions requiring banks to offer basic banking services; whereas only a legislative instrument can guarantee the legal certainty ordinary members of the publicpeople need;
Amendment 11 #
Motion for a resolution
Recital B a (new)
Recital B a (new)
Ba. whereas access to basic banking services is increasingly becoming a prerequisite for social inclusion in terms of access to employment, healthcare and housing;
Amendment 19 #
Draft opinion
Recital N
Recital N
N. whereas both consumers and firms would benefit if the 30 million people over the age of 18 who, according to a study commissioned by the European Parliament, do not have a bank account were to be granted access to a basic payment account; whereas this would also strengthen the internal market and consumers’ rights;
Amendment 21 #
Draft opinion
Recommendation 1 – paragraph 2
Recommendation 1 – paragraph 2
A basic payment account is a bank account enabling a consumer to effect all common payment transacaccount operations to the extent that the balance allows, including enabling money to be placed on the account and transaction to be received as well as executing direct debiting, credit transfer, cash withdrawal and payment transactions through a standard payment card and provision of account statement.
Amendment 26 #
Draft opinion
Recommendation 1 – paragraph 3
Recommendation 1 – paragraph 3
The right of access to a basic payment account should apply to all consumers unless there are serious reasons to the contrary. It does not, however, imply any obligation to have a. Access to a basic payment bank account should under no circumstances be made conditional on the purchase of other products or services, for instance insurance or opening of an additional bank account.
Amendment 28 #
Motion for a resolution
Recital H
Recital H
H. whereas legislative approaches to ensure universal access to basic banking services have had satisfactory results in Belgium and France where the number of unbanked citizens has dropped by 75 % and 30 % respectively, as well as in Finland and Denmark where 100 % of households are covered by banking services;considering however that in those countries consumers still face practical difficulties in exercising their right1 and that the objective pursued must be to offer right of access to banking services to as well as in Finland and Denmark where 100 % of households, as is the case today in Finland and Denmark are covered by banking services; __________________ 1 In France, where 98.4% of the adult population have a bank account, there are still 750 000 French who are unbanked. The procedure of getting a basic bank account established in this country is considered complicated, little known and therefore not used: less than 35 000 people use this right each year.
Amendment 34 #
Draft opinion
Recommendation 2 – paragraph 2
Recommendation 2 – paragraph 2
Member States should ensure that all banks with private customerspayment service providers, as defined in Article 4 paragraph 9 of Directive 2007/64/EC of the European Parliament and of the Council of 13 November 2007 on payment services in the internal market1 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 ____________________ 1 OJ L 319, 5.12.2007, p. 1.
Amendment 42 #
Draft opinion
Recommendation 2 – paragraph 2 a (new)
Recommendation 2 – paragraph 2 a (new)
Amendment 51 #
Draft opinion
Recommendation 3 – paragraph 1
Recommendation 3 – paragraph 1
A basic payment account should serve to effect all operations required in order to open, operate, and close a payment account, perform services enabling money to be placed in a payment account, and transaction to be received as well as execute direct debiting, credit transfer, and payment transactions through a standard payment card.
Amendment 55 #
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 costeferably provided free of charge. The charges may not exceed the costs incurred by the payment service provider in providing the service, and should in any case not exceed ten Euro annually.
Amendment 67 #
Motion for a resolution
Paragraph 1
Paragraph 1
1. Requests the Commission to submit, by the end of 2012, on the basis of Article 114 of the Treaty on the Functioning of the European Union, a legislative proposal or proposals ensuring access to basic banking services to all consumny natural person living in the Union, following the detailed recommendations set out in the Annex hereto;
Amendment 73 #
Draft opinion
Recommendation 3 – paragraph 10
Recommendation 3 – paragraph 10
Member States and the Commission should launch information campaigns 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 75 #
Draft opinion
Recommendation 3 – paragraph 10 a (new)
Recommendation 3 – paragraph 10 a (new)
Communication campaigns should be developed in cooperation with consumer organisations or social advisory bodies. At Union level, they should, in particular, raise awareness about the Union-wide availability of basic banking services and cross-border rights for access. At Member State level, communication should aim at giving necessary and understandable information about basic bank accounts’ features, conditions and practical steps while addressing specific concerns, including those of unbanked citizens and migrant workers. Communication campaigns at Member State level should be multi-lingual, taking into account the most relevant mother tongues spoken by minority populations or migrants
Amendment 76 #
Draft opinion
Recommendation 3 – paragraph 11
Recommendation 3 – paragraph 11
Payment service providers should be obliged to provide information to consumers in writing on the basic payment accounts that they offer. They should be required to advertise basic bank accounts offering clear and comprehensive information via different available channels, namely the providers’ website and branches where standardised, durable media should be visible to consumers.
Amendment 78 #
Proposal for a recommendation
Annex – recommendation 1 – paragraph 1
Annex – recommendation 1 – paragraph 1
1. The legislation should oblige as many payment service providers as possible, as defined in Article 4(9) of Directive 2007/64/EC, to provide basic banking services.
Amendment 80 #
Draft opinion
Recommendation 4 – paragraph 1 a (new)
Recommendation 4 – paragraph 1 a (new)
Member States should be obliged to ensure that appropriate and effective complaints and redress procedures are established for the out-of-court settlement of disputes concerning the rights and obligations established under the principles set out in the legislation between payment service providers and consumers, using existing bodies where appropriate. Alternative dispute resolution bodies need to be independent, easily accessible and their services should be free of charge. Their decisions should be legally binding. In order to ensure their impartiality, equal representation of providers, consumers and other users needs to be ensured. Member States should be required to ensure that all basic bank account providers adhere to one or more such bodies implementing such complaint and redress procedures
Amendment 81 #
Draft opinion
Recommendation 4 – paragraph 1 b (new)
Recommendation 4 – paragraph 1 b (new)
Member States should be required to ensure that ADR bodies actively cooperate in the resolution of cross-border disputes. Where disputes involve parties in different Member States, FIN NET should be used to resolve consumer complaints
Amendment 85 #
Proposal for a recommendation
Annex – recommendation 1 – paragraph 3
Annex – recommendation 1 – paragraph 3
Amendment 116 #
Proposal for a recommendation
Annex – recommendation 2 – paragraph 7
Annex – recommendation 2 – paragraph 7
7. The right to access a basic bank account should apply irrespective of the consumer's nationality or place of residence in the Union. Criteria such as the level or regularity of income, employment, credit history, level of indebtedness, individual situation regarding bankruptcy or future activity of the account should not be taken into account for the opening a basic bank account. Access to a basic bank account should under no circumstances be made conditional on the purchase of other products or services, for instance insurance or an additional bank account.
Amendment 141 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 15
Annex – recommendation 3 – paragraph 15
15. Access to a basic bank account should preferably be free of charge. The charges may not exceed the costs incurred by the payment service provider in providing the service, and should in any case not exceed 10 Euros annually.
Amendment 158 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 16
Annex – recommendation 3 – paragraph 16
16. Any default charges should be affordable and at least as favourable as the provider’s usual pricing policy. The legislation should ensure that the consumer does not bear any fee or penalty arising from circumstances independent of his/her will, such as insufficient funds in his account due to late payment of wages or social benefits. Any fees attributed to the account should be transparent.
Amendment 224 #
Proposal for a recommendation
Annex – recommendation 6 – paragraph 31 – point (b a) (new)
Annex – recommendation 6 – paragraph 31 – point (b a) (new)
(ba) concrete recommendations for those Member States in which a large part of the population remains without a basic bank account, and generally a structured exchange of best practice;