6 Amendments of Elena BĂSESCU related to 2013/0264(COD)
Amendment 125 #
Proposal for a directive
Recital 5
Recital 5
(5) New rules should be provided in order to close the regulatory gaps while at the same time providing for more legal clarity and ensuring a consistent application of the legislative framework across the Union. Equivalent operating conditions should be guaranteed to both existing and new players on the market, facilitating new means of payment to reach a broader market and ensuring a high level of consumer protection in the use of these payment services across the whole of the Union. This should lead to a downward trend in costs and prices for payment services users and more choice and transparency of payment services, while strengthening the trust of consumers in a harmonised payments market.
Amendment 164 #
Proposal for a directive
Recital 30
Recital 30
(30) To enhance transparency on the payment institutions authorised by or registered with competent authorities, including their agents and branches, a web portal serving as European electronic access point should be established with EBA, interconnecting the national registers. These measures should aim at contributing to the enhancement of the cooperation between the competent authorities, fully contributing to a payments environment which nurtures competition, innovation and security to the benefits of all stakeholders and consumers in particular.
Amendment 173 #
Proposal for a directive
Recital 43
Recital 43
(43) The information required should be proportionate to the needs of users and communicated in a standard format, enhancing efficiency. However, the information requirements for a single payment transaction should be different from those of a framework contract which provides for the series of payment transactions.
Amendment 175 #
Proposal for a directive
Recital 45
Recital 45
(45) In single payment transactions only the essential information should always be given on the payment service provider’s own initiative. As the payer is usually present when he gives the payment order, it is not necessary to require that information should in every case be provided on paper or on another durable medium. The payment service provider may give information orally over the counter orand make it otherwise easily accessible, for example by keeping the conditions on a notice board on the premises. Information should also be given on where other more detailed information is available (e.g. the address of the website). However, if the consumer so requests, the essential information should be given on paper or on another durable medium.
Amendment 176 #
Proposal for a directive
Recital 46
Recital 46
(46) This Directive should provide for the consumer’s right to receive relevant information free of charge before being bound by any payment service contract. The consumer should also be able to request prior information as well as the framework contract, on paper, free of charge at any time during the contractual relationship, so as to enable them to compare payment service providers’ services and their conditions and in case of any dispute verify their contractual rights and obligations, therefore maintaining a high level of consumer protection. Those provisions should be compatible with Directive 2002/65/EC. The explicit provisions on free information in this Directive should not have the effect of allowing charges to be imposed for the provision of information to consumers under other applicable Directives.
Amendment 204 #
Proposal for a directive
Recital 66
Recital 66
(66) In order to strengthen the trust of consumers in a harmonised payment market it is essential for payment service users to know the real costs and charges of payment services in order to make their choice. Accordingly, the use of non- transparent pricing methods should not be allowed, since it is commonly accepted that those methods make it extremely difficult for users to establish the real price of the payment service. Specifically, the use of value dating to the disadvantage of the user should not be permitted.