10 Amendments of Peter SIMON related to 2012/2055(INI)
Amendment 90 #
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 92 #
Proposal for a recommendation
Annex – recommendation 1 – paragraph 3 – point b
Annex – recommendation 1 – paragraph 3 – point b
Amendment 102 #
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 meeting the requirements of Union legislation as specified in these Recommendations in the territory of that Member State. The existence of other basic bank accounts in other Member States and States outside the Union should not prevent the opening of a basic bank account in such a case.
Amendment 110 #
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 territory of the Member State concerned, and provide for a declaration by the consumer to that effect during the application process.
Amendment 117 #
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 or information held by credit bureaus concerning an individual’s financial circumstances 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.
Amendment 157 #
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.
Amendment 182 #
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 to accounts outside the Union. Access to a basic bank account should not be made conditional on the purchase of such additional services.
Amendment 184 #
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 provide clear information to consumers, including in writing, and to actively provide information about the possibility of a basic bank account.
Amendment 203 #
Proposal for a recommendation
Annex – recommendation 4 – paragraph 23
Annex – recommendation 4 – paragraph 23
23. Member States should be required to ensure that providers provide national authorities with reliable information annually, at least on the number of basic bank accounts opened, the number of applications for basic bank accounts refused and the grounds for such refusals, the number of terminations of such accounts. Such information should be provided in an aggregated form.
Amendment 209 #
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 and for infringing obligations to provide information, which ensure that 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.