15 Amendments of Jürgen KLUTE related to 2012/2055(INI)
Amendment 1 #
Motion for a resolution
Citation 3 a (new)
Citation 3 a (new)
- having regard to the Commission Communication entitled 'Europe 2020: A strategy for smart, sustainable and inclusive growth' (COM(2010)2020),
Amendment 29 #
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 right and that the objective pursued must be to offer right of access to banking services to 100 % of households as is the case today in Finland and Denmark;
Amendment 33 #
Motion for a resolution
Recital I
Recital I
I. whereas Member States have not reactedtaken adequately to the Commission's above- mentioned Recommendation and in 15 action required by the Commission Recommendation on access to a basic payment account with 10 Member States not having sent any response to the Commission until March, 6th 2012. Whereas Italy and Ireland are the only Member States where concrete follow up measures have been taken. Whereas in a majority of Member States, there i political will to work for progress in financial inclusion and bank account penetration is clearly lacking and too many Member States still have no legal or voluntary requirement for banks to provide basic banking services;
Amendment 50 #
Motion for a resolution
Recital L
Recital L
L. whereas any initiativeover-indebtedness has become the most important "new social risk" across the Union with further aggravation to be expected as a consequence of the persistent social and economic crisis in the Union. Whereas in order to ensure access to basic banking services, any initiative must include protection against garnishment, to establish consumers' trust and prevent costs arising from unused accounts;
Amendment 88 #
Proposal for a recommendation
Annex –recommendation 1 – paragraph 3
Annex –recommendation 1 – paragraph 3
3. Member States should be permitted to exempt payment service providers from the obligation to provide a basic bank account if they fulfil at least one of the following:
Amendment 91 #
Proposal for a recommendation
Annex – recommendation 1 – paragraph 3 – point a
Annex – recommendation 1 – paragraph 3 – point a
a. Payment service providers operating on a cooperative business model, on a non- profit basis or requiring membership on defined criteria, such as profession.
Amendment 103 #
Proposal for a recommendation
Annex – recommendation 2 – paragraph 5
Annex – recommendation 2 – paragraph 5
5. The legislation should ensure that any consumer, that is to say any natural person who is acting for purposes other than his trade, business, craft or profession, legally resident in the Union has the right to open and use a basic bank account with a payment service provider operating in a Member State provided that the consumer does not already hold a basic bank account fully meeting the requirements of Union legislation as specified in these Recommendations in the territory of that Member State. The right to open a basic bank account should not be limited if the consumer already holds additional bank accounts, including basic bank accounts, in another Member State.
Amendment 109 #
Proposal for a recommendation
Annex – recommendation 2 – paragraph 6
Annex – recommendation 2 – paragraph 6
6. The legislation should ensure that it is not unduly burdensome for consumers to demonstrate that they do not already hold a basic bank account, in the same Member State, a basic bank account that fully meets the requirements of the legislation, and provide for a declaration by the consumer to that effect during the application process.
Amendment 131 #
Proposal for a recommendation
Annex – recommendation 2 – paragraph 11
Annex – recommendation 2 – paragraph 11
11. The legislation should oblige payment service providers to act transparently in relation to a decision to deny or close a basic bank account. In order to allow the consumer to question the payment service provider's decision, the payment service provider should inform the consumer in writing of the reason for the refusal to open or decision to close a basic bank account. The provider should also be obliged to inform the consumer about possibilities for alternative dispute resolution mechanisms. The provider may not charge the consumer for receiving such information, including in a written form.
Amendment 132 #
Proposal for a recommendation
Annex – recommendation 2 – paragraph 12
Annex – recommendation 2 – paragraph 12
12. The legislation should require the provider to act rapidly when verifying whether the consumer has right to access a basic bank account, whereby the provider must inform the consumer in writing, and stating the justification, about grounds for any delay longer than two weeks. Grounds for which the provider is responsible, such as an excessive workload, cannot justify such a delay. The provider may require consumers to be physically present in the nearest available branch to open the account.
Amendment 159 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 16
Annex – recommendation 3 – paragraph 16
16. Any default chargepenalty payments 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.
Amendment 180 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 17 – section D
Annex – recommendation 3 – paragraph 17 – section D
Member States may require further functionalities to be included to the basic bank account. Payment service providers should be permitted to, at their own initiative, enlarge the range of functionalities, such as a facility for savings or international money remittances from and to States outside the Union. Access to a basic bank account should not be made conditional on the purchase of such additional services.
Amendment 186 #
Proposal for a recommendation
Annex – recommendation 4 – paragraph 18
Annex – recommendation 4 – paragraph 18
18. The legislation should aim to make consumers aware about the possibility of opening a basic bank account. Accordingly, it should be accompanied by an ambitious communication strategy both at Union and Member State level and include duties for payment service providers to actively provide clear information to consumers.
Amendment 191 #
Proposal for a recommendation
Annex – recommendation 4 – paragraph 19
Annex – recommendation 4 – paragraph 19
19. 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. Member States should oblige the financial service providers to share the financial burden of such information campaigns.
Amendment 210 #
Proposal for a recommendation
Annex – recommendation 5 – paragraph 26
Annex – recommendation 5 – paragraph 26
26. Member States should be obliged to specify principles for sanctions to be imposed on providers for non-compliance with the basic bank account framework, including obligations for service providers to provide information, which ensure the sanctions constitute a deterrent, and competent authorities should be required and enabled to impose such sanctions . Funds collected via sanctions should be used for the purpose of the legislation to be adopted, for example for financial education or compensatory payments.