11 Amendments of Liem HOANG NGOC related to 2012/2055(INI)
Amendment 1 #
Draft opinion
Recital A
Recital A
A. whereas consumers throughout the European Union should be guaranteed access to basic payment services free of charge and should be able to take full advantage of the internal market;
Amendment 15 #
Motion for a resolution
Recital C a (new)
Recital C a (new)
Ca. whereas not holding a bank account constitutes a serious handicap in contemporary society, as it is more difficult for the people concerned to find jobs, rent property, pay taxes or receive wages or salaries;
Amendment 23 #
Draft opinion
Recommendation 1 – paragraph 3
Recommendation 1 – paragraph 3
Amendment 49 #
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 execute direct debiting, credit transfer, and payment transactions through a standard payment card. There should be no limitation to the number of operations effected.
Amendment 56 #
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 cost.
Amendment 66 #
Draft opinion
Recommendation 3 – paragraph 6
Recommendation 3 – paragraph 6
Amendment 68 #
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, free of charge, to all consumers living in the Union, following the detailed recommendations set out in the Annex hereto;
Amendment 87 #
Draft opinion
Recommendation 5 – paragraph 2
Recommendation 5 – paragraph 2
Member States should ensure that payment service providers regularly supply accurate information to the national authorities on the number of basic payment accounts opened, the number of cases in which applications to open an account have been rejected, the reasons for such rejections, and account closures, and the costs related to these accounts.
Amendment 134 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 13
Annex – recommendation 3 – paragraph 13
13. The legislation should enable the user of a basic bank account to make, free of charge, any essential payment transactions such as receiving income or benefits, paying bills or taxes and purchasing goods and services via both physical and remote channels using mainstream national systems.
Amendment 151 #
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 asan insufficientcy of funds in his account due to late payment of wages or social benefits.
Amendment 172 #
Proposal for a recommendation
Annex – recommendation 3 – paragraph 17 – section B - subparagraph 1
Annex – recommendation 3 – paragraph 17 – section B - subparagraph 1
For the execution of these services, the consumer should be entitled to non- discriminatory access to the different channels offered by the provider, such as manual transactions, transactions via ATM, online banking and phone banking. Member States should define a sufficient number of standard payment transactions that the provider must, on request, set up and execute on a monthly basis without imposing any charges, regardless of the channel used by the consumer. Where the consumer risks exceeding the maximum number of free transactions the provider should be required to inform the consumer accordingly. The provider should be permitted either to charge additional transactions in a cost-based way and aligned with its usual pricing policy or to refuse the execution of transactions. The provider should be permitted to demand a cost-based one-off charge for providing a payment card.