BETA


1994/0242(COD) Cross-border bank transfers

Progress: Procedure completed

RoleCommitteeRapporteurShadows
Former Responsible Committee ECON PEIJS Karla M.H. (icon: PPE PPE)
Former Responsible Committee ECON PEIJS Karla M.H. (icon: PPE PPE)
Former Committee Opinion JURI GEBHARDT Evelyne (icon: PES PES)
Former Committee Opinion ENVI KUHN Annemarie (icon: PES PES)
Lead committee dossier:
Legal Basis:
EC before Amsterdam E 100A

Events

2002/11/29
   EC - Follow-up document
1997/02/14
   Final act published in Official Journal
1997/01/27
   CSL - Final act signed
1997/01/27
   EP - End of procedure in Parliament
1997/01/16
   EP - Text adopted by Parliament, 3rd reading
1997/01/16
   EP - Decision by Parliament, 3rd reading
Documents
1997/01/15
   EP - Debate in Parliament
Details

The rapporteur, Mrs Peijs (EPP, NL), welcomed the compromise reached with the Council and stated that the new directive should end the practice of banks applying double charges for the same cross-border transfers. In addition, if the transfer was not successfully completed, compensation of up to ECU 12 500 would be paid. The rapporteur then pointed out that some banks already provided euro transfer services (euro transfers). Finally, the Council had undertaken to set 1 January 1999 as the final deadline for the directive’s entry into force in the Member States. Commissioner Marín purely underlined that the positive outcome of the conciliation procedure would not only lead to immediate benefits for financial operators but would also increase transparency in the sector with regard to the public and the requirements of the single market.

1996/12/20
   CSL - Decision by Council, 3rd reading
1996/12/20
   CSL - Council Meeting
1996/12/19
   EP - Report tabled for plenary by Parliament delegation to Conciliation Committee, 3rd reading
1996/12/19
   EP - Report tabled for plenary, 3rd reading
Documents
1996/11/22
   CSL/EP - Joint text approved by Conciliation Committee co-chairs
Documents
1996/11/22
   EP/CSL - Joint text approved by Conciliation Committee co-chairs
Documents
1996/11/06
   EP/CSL - Final decision by Conciliation Committee
1996/10/10
   EP/CSL - Formal meeting of Conciliation Committee
1996/05/13
   CSL - Parliament's amendments rejected by Council
Details

Noting that it was not possible to take over the fourteen amendments to the common position as voted for by Parliament at second reading during its sitting of March 1996, the Council decided to convene the Conciliation Committee under the terms of Article 189b(3) of the Treaty.

1996/05/13
   CSL - Council Meeting
1996/04/19
   EC - Commission opinion on Parliament's position at 2nd reading
1996/03/13
   EP - Text adopted by Parliament, 2nd reading
1996/03/13
   EP - Decision by Parliament, 2nd reading
Documents
1996/03/12
   EP - Debate in Parliament
Details

The rapporteur, Mrs Peijs (EPP, NL), said that in preparing for monetary union the consumers and SMEs should be protected from the risk of excessive charging in the case of cross-border credit transfers. Commissioner Monti announced that the Commission could take over 11 of the 14 amendments: these were Amendments Nos 1 to 9, 11 and 14; it would also accept Nos 10 and 12 in part, but rejected, for technical reasons and for the purpose of legislative consistency, Amendment No 13 relating to the four-week harmonised period for following-up complaints and to the compulsory advertising of the list of those bodies that had been set up to provide help to consumers.

1996/02/12
   EP - Committee recommendation tabled for plenary, 2nd reading
1996/02/12
   EP - Vote in committee, 2nd reading
1996/02/12
   EP - Committee recommendation tabled for plenary, 2nd reading
Documents
1996/01/26
   EP - Committee draft report
Documents
1996/01/21
   EP - Committee draft report
Documents
1995/12/14
   EP - Committee referral announced in Parliament, 2nd reading
1995/12/11
   EC - Commission communication on Council's position
1995/12/04
   CSL - Council position
1995/12/04
   CSL - Council position published
Documents
1995/12/04
   CSL - Council Meeting
1995/09/18
   CSL - Council Meeting
1995/09/13
   ESC - Economic and Social Committee: opinion, report
Details

On 31 May 1995 the Economic and Social Committee unanimously adopted an Opinion (ESC 573/95) on ‘EU Funds Transfers: Transparency, Performance and Stability’, which followed on from a Council consultation. On 6 June 1995 the Commission had presented an ‘Amended proposal for a European Parliament and Council Directive on EU credit transfers’, which, as the Commission itself stated, ‘takes largely into account the proposals of the Committee’. The ESC considered, however, that the directive could gain in precision and in balance if two amendments suggested in the earlier Opinion were adopted (the Commission did not adopt them in the amended proposal). This Opinion therefore sought to reiterate the ESC’s proposals on the obligation to execute transfers in good time (Article 5) and the obligation of institutions to refund in cases of non-completed credit transfers (Article 7).

1995/07/10
   CSL - Debate in Council
Details

The Council considered the main problem regarding this proposal for a directive on cross-­border credit transfers, i.e. defining the scope of the directive. This proposal was presented by the Commission in November 1994 after it had become apparent that the banking sector’s ‘voluntary’ approach had failed to produce progress towards a rapid and efficient system of transfers and the elimination of abusive charges. It was in line with both the completion of the internal market and the implementation of EMU, and was part of a broader policy advocated by the Commission to put the system of cross-­border payments within the EU on a par with the best national systems. The question regarding the scope is whether to limit it by setting a ceiling for all provisions of the directive. It proved impossible to find a solution on this basis in view of Member States’ widely divergent positions. In these circumstances the Presidency proposed a dual-ceiling compromise - with a relatively modest amount for the guarantee required from banks for refunding customers in the event of non-execution of transfers, and - a substantially higher amount for the other obligations stemming from the directive. Some progress was made on this basis but no definitive outcome was reached. The Council concluded by instructing Coreper to continue work in order to submit a solution that might be adopted.

Documents
1995/07/10
   CSL - Council Meeting
1995/06/06
   EC - Modified legislative proposal
1995/06/06
   EC - Modified legislative proposal published
1995/05/31
   ESC - Economic and Social Committee: opinion, report
Details

The proposal for a directive, which sought to regulate intra-Community (rather than cross-border) transfers, was linked to the problem of competition. The ESC appreciated the Commission’s efforts to improve the transparency and quality of the implementation of these transfers, by providing a minimum frame of reference and general rules in accordance with the principles of the internal market. It noted, however, that in one respect the draft Directive differed significantly from the plans repeatedly expressed by the Commission: whereas it had been repeatedly stated that the rules were intended to assist consumers and SMEs to transfer funds easily in the internal market, the document under review aimed to improve cross-border transfer services for ‘citizens and businesses’, which implied that the directive should extend to all payments, and especially high-value and urgent transfers. The Opinion also highlighted an inconsistency between the declared aim of the proposal for a directive, which was to prepare the way for economic and monetary union, and its scope, which included credit transfers denominated in third-country currencies, which would not be absorbed by the single currency. The ESC thus called for the scope of the directive to be confined to the currencies of the EU countries, including the ecu, and to transfers sent from one EU country to another EU country. As regards the draft communication, the ESC noted that in various parts of the document terms and concepts were used which were too vague and likely to give rise to doubts, not certainty. It thus recommended reviewing the text to make it clearer and allow minimum scope for interpretation by the parties concerned. It also stressed that the provisions should cover not only banks but also any other institution offering payment services to the public.

1995/05/19
   EP - Text adopted by Parliament, 1st reading/single reading
1995/05/19
   EP - Decision by Parliament, 1st reading/single reading
Documents
1995/05/16
   EP - Debate in Parliament
Details

Commissioner MONTI outlined the Commission’s position on Parliament’s amendments: Amendments Nos 1, 2, 4, 6, 7, 9, 11, 12, 13, 15, 19, 20 and 22 were taken over in full; Amendments Nos 5, 10, 14, 16, 18 and 21 were taken over in part or in substance. Further details: Amendments Nos 5, 23 and 25 could not be taken over as they changed the scope of the Directive by concentrating solely on payments up to ECU 50 000; Amendment No 10, which introduced a standard format for information to customers, did not take account of the different advertising techniques; Amendment No 14, which limited compensation to cases in which the delay was attributable to the beneficiary’s institution, neglected the responsibility of the agents; Amendments Nos 16 and 18, which deleted the phrase ‘without prejudice to demands for compensation’, left a degree of uncertainty surrounding any specific reference to possible subsequent rights recognised by national law; finally, as regards the question of changing the monetary limits of the transfers covered by the Directive, Mr Monti preferred to deal with this matter elsewhere; Amendments Nos 3, 8 and 17 could not be taken over as they stood: Amendment No 3 because it limited the scope of the Directive by reducing the level of protection of consumers and small and medium-sized enterprises; Amendment No 8 because the term ‘receipt’ as introduced could lead to legal uncertainty; Amendment No 17 for the same reasons as Amendments Nos 16 and 18; Amendment No 27 was superfluous as its content was covered by Amendment No 20, which provided for a general derogation.

1995/04/20
   EP - Committee report tabled for plenary, 1st reading/single reading
1995/04/20
   EP - Vote in committee, 1st reading/single reading
1995/04/20
   EP - Committee report tabled for plenary, 1st reading/single reading
Documents
1995/04/11
   EP - Committee opinion
Documents
1995/03/30
   CSL - Debate in Council
Documents
1995/03/30
   CSL - Council Meeting
1995/03/21
   EP - Committee opinion
Documents
1995/03/16
   EP - Committee draft report
Documents
1995/02/02
   EP - GEBHARDT Evelyne (PES) appointed as rapporteur in JURI
1994/12/20
   EP - KUHN Annemarie (PES) appointed as rapporteur in ENVI
1994/12/12
   EP - Committee referral announced in Parliament, 1st reading/single reading
1994/11/30
   EP - PEIJS Karla M.H. (PPE) appointed as rapporteur in ECON
1994/11/30
   EP - PEIJS Karla M.H. (PPE) appointed as rapporteur in ECON
1994/11/18
   EC - Legislative proposal
1994/11/18
   EC - Legislative proposal published
1994/09/30
   all - Additional information

Documents

History

(these mark the time of scraping, not the official date of the change)

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activities
  • date: 1994-09-30T00:00:00 body: all type: Additional information
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  • date: 1994-12-12T00:00:00 body: EP type: Committee referral announced in Parliament, 1st reading/single reading committees: body: EP responsible: True committee: ECON date: 1994-11-30T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: PPE name: PEIJS Karla M.H. body: EP responsible: False committee: ENVI date: 1994-12-20T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PSE name: KUHN Annemarie body: EP responsible: False committee: JURI date: 1995-02-02T00:00:00 committee_full: Legal Affairs, Citizens' Rights rapporteur: group: PSE name: GEBHARDT Evelyne
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  • date: 1995-05-19T00:00:00 docs: type: Decision by Parliament, 1st reading/single reading title: T4-0262/1995 body: EP type: Decision by Parliament, 1st reading/single reading
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  • date: 1995-09-18T00:00:00 body: CSL type: Council Meeting council: Economic and Financial Affairs ECOFIN meeting_id: 1867
  • body: CSL meeting_id: 1891 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=ADV&RESULTSET=1&DOC_ID=11262%2F95&DOC_LANCD=EN&ROWSPP=25&NRROWS=500&ORDERBY=DOC_DATE+DESC type: Council position published title: 11262/1/1995 council: General Affairs date: 1995-12-04T00:00:00 type: Council Meeting
  • date: 1995-12-14T00:00:00 body: EP type: Committee referral announced in Parliament, 2nd reading committees: body: EP responsible: True committee: ECON date: 1994-11-30T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: PPE name: PEIJS Karla M.H.
  • body: EP committees: body: EP responsible: True committee: ECON date: 1994-11-30T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: PPE name: PEIJS Karla M.H. docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A4-1996-33&language=EN type: Committee recommendation tabled for plenary, 2nd reading title: A4-0033/1996 date: 1996-02-12T00:00:00 type: Vote in committee, 2nd reading
  • date: 1996-03-12T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=19960312&type=CRE type: Debate in Parliament title: Debate in Parliament body: EP type: Debate in Parliament
  • date: 1996-03-13T00:00:00 docs: type: Decision by Parliament, 2nd reading title: T4-0117/1996 body: EP type: Decision by Parliament, 2nd reading
  • body: CSL meeting_id: 1922 council: General Affairs date: 1996-05-13T00:00:00 type: Council Meeting
  • date: 1996-10-10T00:00:00 body: EP/CSL type: Formal meeting of Conciliation Committee
  • date: 1996-11-06T00:00:00 body: EP/CSL type: Final decision by Conciliation Committee
  • date: 1996-11-22T00:00:00 docs: type: Joint text approved by Conciliation Committee co-chairs title: 3632/1996 body: EP/CSL type: Joint text approved by Conciliation Committee co-chairs
  • date: 1996-12-19T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A4-1997-4&language=EN type: Report tabled for plenary, 3rd reading title: A4-0004/1997 body: EP type: Report tabled for plenary, 3rd reading
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  • date: 1997-01-16T00:00:00 docs: type: Decision by Parliament, 3rd reading title: T4-0010/1997 body: EP type: Decision by Parliament, 3rd reading
  • date: 1997-01-27T00:00:00 body: CSL type: Final act signed
  • date: 1997-01-27T00:00:00 body: EP type: End of procedure in Parliament
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committees/0/associated
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committees/0/date
Old
1994-11-30T00:00:00
New
  • 1994-11-30T00:00:00
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committees/0/type
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committees/1/associated
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committees/1/committee
Old
ENVI
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ECON
committees/1/committee_full
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Environment, Public Health and Consumer Protection
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committees/1/date
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1994-12-20T00:00:00
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  • 1994-11-30T00:00:00
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European People's Party (Christian Democrats)
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PPE
committees/1/rapporteur/0
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PSE
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KUHN Annemarie
committees/1/responsible
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committees/1/type
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committees/2/associated
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committees/2/date
Old
1995-02-02T00:00:00
New
  • 1995-02-02T00:00:00
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GEBHARDT Evelyne
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PES
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PSE
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GEBHARDT Evelyne
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committees/2/type
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EP
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ENVI
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rapporteur
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council
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docs
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  • date: 1995-03-16T00:00:00 docs: title: PE211.598 type: Committee draft report body: EP
  • date: 1995-03-21T00:00:00 docs: title: PE211.733/DEF committee: JURI type: Committee opinion body: EP
  • date: 1995-04-11T00:00:00 docs: title: PE210.963/DEF committee: ENVI type: Committee opinion body: EP
  • date: 1995-04-20T00:00:00 docs: url: https://eur-lex.europa.eu/JOHtml.do?uri=OJ:C:1995:151:SOM:EN:HTML title: OJ C 151 19.06.1995, p. 0002 title: A4-0089/1995 type: Committee report tabled for plenary, 1st reading/single reading body: EP
  • date: 1995-05-19T00:00:00 docs: url: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:C:1995:151:TOC title: OJ C 151 19.06.1995, p. 0358-0370 title: T4-0262/1995 summary: type: Text adopted by Parliament, 1st reading/single reading body: EP
  • date: 1995-05-31T00:00:00 docs: url: https://dm.eesc.europa.eu/EESCDocumentSearch/Pages/redresults.aspx?k=(documenttype:AC)(documentnumber:0573)(documentyear:1995)(documentlanguage:EN) title: CES0573/1995 url: https://eur-lex.europa.eu/JOHtml.do?uri=OJ:C:1995:236:SOM:EN:HTML title: OJ C 236 11.09.1995, p. 0001 summary: The proposal for a directive, which sought to regulate intra-Community (rather than cross-border) transfers, was linked to the problem of competition. The ESC appreciated the Commission’s efforts to improve the transparency and quality of the implementation of these transfers, by providing a minimum frame of reference and general rules in accordance with the principles of the internal market. It noted, however, that in one respect the draft Directive differed significantly from the plans repeatedly expressed by the Commission: whereas it had been repeatedly stated that the rules were intended to assist consumers and SMEs to transfer funds easily in the internal market, the document under review aimed to improve cross-border transfer services for ‘citizens and businesses’, which implied that the directive should extend to all payments, and especially high-value and urgent transfers. The Opinion also highlighted an inconsistency between the declared aim of the proposal for a directive, which was to prepare the way for economic and monetary union, and its scope, which included credit transfers denominated in third-country currencies, which would not be absorbed by the single currency. The ESC thus called for the scope of the directive to be confined to the currencies of the EU countries, including the ecu, and to transfers sent from one EU country to another EU country. As regards the draft communication, the ESC noted that in various parts of the document terms and concepts were used which were too vague and likely to give rise to doubts, not certainty. It thus recommended reviewing the text to make it clearer and allow minimum scope for interpretation by the parties concerned. It also stressed that the provisions should cover not only banks but also any other institution offering payment services to the public. type: Economic and Social Committee: opinion, report body: ESC
  • date: 1995-06-06T00:00:00 docs: url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1995&nu_doc=264 title: EUR-Lex url: https://eur-lex.europa.eu/JOHtml.do?uri=OJ:C:1995:199:SOM:EN:HTML title: OJ C 199 03.08.1995, p. 0016 title: COM(1995)0264 summary: type: Modified legislative proposal body: EC
  • date: 1995-09-13T00:00:00 docs: url: https://dm.eesc.europa.eu/EESCDocumentSearch/Pages/redresults.aspx?k=(documenttype:AC)(documentnumber:0962)(documentyear:1995)(documentlanguage:EN) title: CES0962/1995 url: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:C:1995:301:TOC title: OJ C 301 13.11.1995, p. 0001 summary: On 31 May 1995 the Economic and Social Committee unanimously adopted an Opinion (ESC 573/95) on ‘EU Funds Transfers: Transparency, Performance and Stability’, which followed on from a Council consultation. On 6 June 1995 the Commission had presented an ‘Amended proposal for a European Parliament and Council Directive on EU credit transfers’, which, as the Commission itself stated, ‘takes largely into account the proposals of the Committee’. The ESC considered, however, that the directive could gain in precision and in balance if two amendments suggested in the earlier Opinion were adopted (the Commission did not adopt them in the amended proposal). This Opinion therefore sought to reiterate the ESC’s proposals on the obligation to execute transfers in good time (Article 5) and the obligation of institutions to refund in cases of non-completed credit transfers (Article 7). type: Economic and Social Committee: opinion, report body: ESC
  • date: 1995-12-04T00:00:00 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=ADV&RESULTSET=1&DOC_ID=11262%2F95&DOC_LANCD=EN&ROWSPP=25&NRROWS=500&ORDERBY=DOC_DATE+DESC title: 11262/1/1995 url: https://eur-lex.europa.eu/JOHtml.do?uri=OJ:C:1995:353:SOM:EN:HTML title: OJ C 353 30.12.1995, p. 0052 summary: type: Council position body: CSL
  • date: 1995-12-11T00:00:00 docs: url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=SECfinal&an_doc=1995&nu_doc=1976 title: EUR-Lex title: SEC(1995)1976 summary: type: Commission communication on Council's position body: EC
  • date: 1996-01-21T00:00:00 docs: title: PE215.629/REV type: Committee draft report body: EP
  • date: 1996-01-26T00:00:00 docs: title: PE215.629 type: Committee draft report body: EP
  • date: 1996-02-12T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A4-1996-33&language=EN title: A4-0033/1996 url: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:C:1996:078:TOC title: OJ C 078 18.03.1996, p. 0003 type: Committee recommendation tabled for plenary, 2nd reading body: EP
  • date: 1996-03-13T00:00:00 docs: url: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:C:1996:096:TOC title: OJ C 096 01.04.1996, p. 0012-0074 title: T4-0117/1996 summary: type: Text adopted by Parliament, 2nd reading body: EP
  • date: 1996-04-19T00:00:00 docs: url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1996&nu_doc=172 title: EUR-Lex title: COM(1996)0172 summary: type: Commission opinion on Parliament's position at 2nd reading body: EC
  • date: 1996-11-22T00:00:00 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=ADV&RESULTSET=1&DOC_ID=3632%2F96&DOC_LANCD=EN&ROWSPP=25&NRROWS=500&ORDERBY=DOC_DATE+DESC title: 3632/1996 type: Joint text approved by Conciliation Committee co-chairs body: CSL/EP
  • date: 1996-12-19T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A4-1997-4&language=EN title: A4-0004/1997 url: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:C:1997:033:TOC title: OJ C 033 03.02.1997, p. 0023 type: Report tabled for plenary by Parliament delegation to Conciliation Committee, 3rd reading body: EP
  • date: 1997-01-16T00:00:00 docs: url: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:C:1997:033:TOC title: OJ C 033 03.02.1997, p. 0058-0077 title: T4-0010/1997 summary: type: Text adopted by Parliament, 3rd reading body: EP
  • date: 2002-11-29T00:00:00 docs: url: http://www.europarl.europa.eu/registre/docs_autres_institutions/commission_europeenne/com/2002/0663/COM_COM(2002)0663_EN.pdf title: COM(2002)0663 url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=2002&nu_doc=663 title: EUR-Lex summary: type: Follow-up document body: EC
events
  • date: 1994-09-30T00:00:00 type: Additional information body: all summary:
  • date: 1994-11-18T00:00:00 type: Legislative proposal published body: EC docs: url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1994&nu_doc=436 title: EUR-Lex title: COM(1994)0436 summary:
  • date: 1994-12-12T00:00:00 type: Committee referral announced in Parliament, 1st reading/single reading body: EP
  • date: 1995-03-30T00:00:00 type: Debate in Council body: CSL docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=1838*&MEET_DATE=30/03/1995 title: 1838
  • date: 1995-04-20T00:00:00 type: Vote in committee, 1st reading/single reading body: EP summary:
  • date: 1995-04-20T00:00:00 type: Committee report tabled for plenary, 1st reading/single reading body: EP docs: title: A4-0089/1995
  • date: 1995-05-16T00:00:00 type: Debate in Parliament body: EP docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=19950516&type=CRE title: Debate in Parliament summary: Commissioner MONTI outlined the Commission’s position on Parliament’s amendments: Amendments Nos 1, 2, 4, 6, 7, 9, 11, 12, 13, 15, 19, 20 and 22 were taken over in full; Amendments Nos 5, 10, 14, 16, 18 and 21 were taken over in part or in substance. Further details: Amendments Nos 5, 23 and 25 could not be taken over as they changed the scope of the Directive by concentrating solely on payments up to ECU 50 000; Amendment No 10, which introduced a standard format for information to customers, did not take account of the different advertising techniques; Amendment No 14, which limited compensation to cases in which the delay was attributable to the beneficiary’s institution, neglected the responsibility of the agents; Amendments Nos 16 and 18, which deleted the phrase ‘without prejudice to demands for compensation’, left a degree of uncertainty surrounding any specific reference to possible subsequent rights recognised by national law; finally, as regards the question of changing the monetary limits of the transfers covered by the Directive, Mr Monti preferred to deal with this matter elsewhere; Amendments Nos 3, 8 and 17 could not be taken over as they stood: Amendment No 3 because it limited the scope of the Directive by reducing the level of protection of consumers and small and medium-sized enterprises; Amendment No 8 because the term ‘receipt’ as introduced could lead to legal uncertainty; Amendment No 17 for the same reasons as Amendments Nos 16 and 18; Amendment No 27 was superfluous as its content was covered by Amendment No 20, which provided for a general derogation.
  • date: 1995-05-19T00:00:00 type: Decision by Parliament, 1st reading/single reading body: EP docs: title: T4-0262/1995 summary:
  • date: 1995-06-06T00:00:00 type: Modified legislative proposal published body: EC docs: url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1995&nu_doc=264 title: EUR-Lex title: COM(1995)0264 summary:
  • date: 1995-07-10T00:00:00 type: Debate in Council body: CSL docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=1863*&MEET_DATE=10/07/1995 title: 1863 summary: The Council considered the main problem regarding this proposal for a directive on cross-­border credit transfers, i.e. defining the scope of the directive. This proposal was presented by the Commission in November 1994 after it had become apparent that the banking sector’s ‘voluntary’ approach had failed to produce progress towards a rapid and efficient system of transfers and the elimination of abusive charges. It was in line with both the completion of the internal market and the implementation of EMU, and was part of a broader policy advocated by the Commission to put the system of cross-­border payments within the EU on a par with the best national systems. The question regarding the scope is whether to limit it by setting a ceiling for all provisions of the directive. It proved impossible to find a solution on this basis in view of Member States’ widely divergent positions. In these circumstances the Presidency proposed a dual-ceiling compromise - with a relatively modest amount for the guarantee required from banks for refunding customers in the event of non-execution of transfers, and - a substantially higher amount for the other obligations stemming from the directive. Some progress was made on this basis but no definitive outcome was reached. The Council concluded by instructing Coreper to continue work in order to submit a solution that might be adopted.
  • date: 1995-12-04T00:00:00 type: Council position published body: CSL docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=ADV&RESULTSET=1&DOC_ID=11262%2F95&DOC_LANCD=EN&ROWSPP=25&NRROWS=500&ORDERBY=DOC_DATE+DESC title: 11262/1/1995 summary:
  • date: 1995-12-14T00:00:00 type: Committee referral announced in Parliament, 2nd reading body: EP
  • date: 1996-02-12T00:00:00 type: Vote in committee, 2nd reading body: EP summary:
  • date: 1996-02-12T00:00:00 type: Committee recommendation tabled for plenary, 2nd reading body: EP docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A4-1996-33&language=EN title: A4-0033/1996
  • date: 1996-03-12T00:00:00 type: Debate in Parliament body: EP docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=19960312&type=CRE title: Debate in Parliament summary: The rapporteur, Mrs Peijs (EPP, NL), said that in preparing for monetary union the consumers and SMEs should be protected from the risk of excessive charging in the case of cross-border credit transfers. Commissioner Monti announced that the Commission could take over 11 of the 14 amendments: these were Amendments Nos 1 to 9, 11 and 14; it would also accept Nos 10 and 12 in part, but rejected, for technical reasons and for the purpose of legislative consistency, Amendment No 13 relating to the four-week harmonised period for following-up complaints and to the compulsory advertising of the list of those bodies that had been set up to provide help to consumers.
  • date: 1996-03-13T00:00:00 type: Decision by Parliament, 2nd reading body: EP docs: title: T4-0117/1996 summary:
  • date: 1996-05-13T00:00:00 type: Parliament's amendments rejected by Council body: CSL summary: Noting that it was not possible to take over the fourteen amendments to the common position as voted for by Parliament at second reading during its sitting of March 1996, the Council decided to convene the Conciliation Committee under the terms of Article 189b(3) of the Treaty.
  • date: 1996-10-10T00:00:00 type: Formal meeting of Conciliation Committee body: EP/CSL summary:
  • date: 1996-11-06T00:00:00 type: Final decision by Conciliation Committee body: EP/CSL
  • date: 1996-11-22T00:00:00 type: Joint text approved by Conciliation Committee co-chairs body: EP/CSL docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=ADV&RESULTSET=1&DOC_ID=3632%2F96&DOC_LANCD=EN&ROWSPP=25&NRROWS=500&ORDERBY=DOC_DATE+DESC title: 3632/1996
  • date: 1996-12-19T00:00:00 type: Report tabled for plenary, 3rd reading body: EP docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A4-1997-4&language=EN title: A4-0004/1997
  • date: 1996-12-20T00:00:00 type: Decision by Council, 3rd reading body: CSL
  • date: 1997-01-15T00:00:00 type: Debate in Parliament body: EP docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=19970115&type=CRE title: Debate in Parliament summary: The rapporteur, Mrs Peijs (EPP, NL), welcomed the compromise reached with the Council and stated that the new directive should end the practice of banks applying double charges for the same cross-border transfers. In addition, if the transfer was not successfully completed, compensation of up to ECU 12 500 would be paid. The rapporteur then pointed out that some banks already provided euro transfer services (euro transfers). Finally, the Council had undertaken to set 1 January 1999 as the final deadline for the directive’s entry into force in the Member States. Commissioner Marín purely underlined that the positive outcome of the conciliation procedure would not only lead to immediate benefits for financial operators but would also increase transparency in the sector with regard to the public and the requirements of the single market.
  • date: 1997-01-16T00:00:00 type: Decision by Parliament, 3rd reading body: EP docs: title: T4-0010/1997 summary:
  • date: 1997-01-27T00:00:00 type: Final act signed body: CSL
  • date: 1997-01-27T00:00:00 type: End of procedure in Parliament body: EP
  • date: 1997-02-14T00:00:00 type: Final act published in Official Journal docs: title: Directive 1997/5 url: https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!CELEXnumdoc&lg=EN&numdoc=31997L0005 title: OJ L 043 14.02.1997, p. 0025 url: https://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:L:1997:043:TOC
other
  • body: CSL type: Council Meeting council: Former Council configuration
procedure/dossier_of_the_committee
Old
CODE/4/07872
New
  • CODE/4/07872
procedure/final/url
Old
http://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!CELEXnumdoc&lg=EN&numdoc=31997L0005
New
https://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!CELEXnumdoc&lg=EN&numdoc=31997L0005
procedure/instrument
Old
Directive
New
  • Directive
  • Repealed by 2005/0245(COD)
procedure/legal_basis/0
EC before Amsterdam E 100A
procedure/legal_basis/0
EC before Amsterdam E 100
procedure/subject
Old
  • 2.50.04.02 Electronic money and payments, cross-border credit transfers
New
2.50.04.02
Electronic money and payments, cross-border credit transfers
procedure/summary
  • Repealed by
links/European Commission/title
Old
PreLex
New
EUR-Lex
activities
  • date: 1994-09-30T00:00:00 body: all type: Additional information
  • date: 1994-11-18T00:00:00 docs: url: http://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1994&nu_doc=436 celexid: CELEX:51994PC0436:EN type: Legislative proposal published title: COM(1994)0436 type: Legislative proposal published body: EC commission:
  • date: 1994-12-12T00:00:00 body: EP type: Committee referral announced in Parliament, 1st reading/single reading committees: body: EP responsible: True committee: ECON date: 1994-11-30T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: PPE name: PEIJS Karla M.H. body: EP responsible: False committee: ENVI date: 1994-12-20T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PSE name: KUHN Annemarie body: EP responsible: False committee: JURI date: 1995-02-02T00:00:00 committee_full: Legal Affairs, Citizens' Rights rapporteur: group: PSE name: GEBHARDT Evelyne
  • body: CSL meeting_id: 1838 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=1838*&MEET_DATE=30/03/1995 type: Debate in Council title: 1838 council: Consumers date: 1995-03-30T00:00:00 type: Council Meeting
  • body: EP committees: body: EP responsible: True committee: ECON date: 1994-11-30T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: PPE name: PEIJS Karla M.H. body: EP responsible: False committee: ENVI date: 1994-12-20T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PSE name: KUHN Annemarie body: EP responsible: False committee: JURI date: 1995-02-02T00:00:00 committee_full: Legal Affairs, Citizens' Rights rapporteur: group: PSE name: GEBHARDT Evelyne docs: type: Committee report tabled for plenary, 1st reading/single reading title: A4-0089/1995 date: 1995-04-20T00:00:00 type: Vote in committee, 1st reading/single reading
  • date: 1995-05-16T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=19950516&type=CRE type: Debate in Parliament title: Debate in Parliament body: EP type: Debate in Parliament
  • date: 1995-05-19T00:00:00 docs: type: Decision by Parliament, 1st reading/single reading title: T4-0262/1995 body: EP type: Decision by Parliament, 1st reading/single reading
  • date: 1995-06-06T00:00:00 docs: url: http://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!DocNumber&lg=EN&type_doc=COMfinal&an_doc=1995&nu_doc=264 celexid: CELEX:51995PC0264:EN type: Modified legislative proposal published title: COM(1995)0264 type: Modified legislative proposal published body: EC commission:
  • body: CSL meeting_id: 1863 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=SMPL&ROWSPP=25&RESULTSET=1&NRROWS=500&DOC_LANCD=EN&ORDERBY=DOC_DATE+DESC&CONTENTS=1863*&MEET_DATE=10/07/1995 type: Debate in Council title: 1863 council: Economic and Financial Affairs ECOFIN date: 1995-07-10T00:00:00 type: Council Meeting
  • date: 1995-09-18T00:00:00 body: CSL type: Council Meeting council: Economic and Financial Affairs ECOFIN meeting_id: 1867
  • body: CSL meeting_id: 1891 docs: url: http://register.consilium.europa.eu/content/out?lang=EN&typ=SET&i=ADV&RESULTSET=1&DOC_ID=11262%2F95&DOC_LANCD=EN&ROWSPP=25&NRROWS=500&ORDERBY=DOC_DATE+DESC type: Council position published title: 11262/1/1995 council: General Affairs date: 1995-12-04T00:00:00 type: Council Meeting
  • date: 1995-12-14T00:00:00 body: EP type: Committee referral announced in Parliament, 2nd reading committees: body: EP responsible: True committee: ECON date: 1994-11-30T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: PPE name: PEIJS Karla M.H.
  • body: EP committees: body: EP responsible: True committee: ECON date: 1994-11-30T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: PPE name: PEIJS Karla M.H. docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A4-1996-33&language=EN type: Committee recommendation tabled for plenary, 2nd reading title: A4-0033/1996 date: 1996-02-12T00:00:00 type: Vote in committee, 2nd reading
  • date: 1996-03-12T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=19960312&type=CRE type: Debate in Parliament title: Debate in Parliament body: EP type: Debate in Parliament
  • date: 1996-03-13T00:00:00 docs: type: Decision by Parliament, 2nd reading title: T4-0117/1996 body: EP type: Decision by Parliament, 2nd reading
  • body: CSL meeting_id: 1922 council: General Affairs date: 1996-05-13T00:00:00 type: Council Meeting
  • date: 1996-10-10T00:00:00 body: EP/CSL type: Formal meeting of Conciliation Committee
  • date: 1996-11-06T00:00:00 body: EP/CSL type: Final decision by Conciliation Committee
  • date: 1996-11-22T00:00:00 docs: type: Joint text approved by Conciliation Committee co-chairs title: 3632/1996 body: EP/CSL type: Joint text approved by Conciliation Committee co-chairs
  • date: 1996-12-19T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?type=REPORT&mode=XML&reference=A4-1997-4&language=EN type: Report tabled for plenary, 3rd reading title: A4-0004/1997 body: EP type: Report tabled for plenary, 3rd reading
  • date: 1996-12-20T00:00:00 body: CSL type: Council Meeting council: Fisheries meeting_id: 1983
  • date: 1997-01-15T00:00:00 docs: url: http://www.europarl.europa.eu/sides/getDoc.do?secondRef=TOC&language=EN&reference=19970115&type=CRE type: Debate in Parliament title: Debate in Parliament body: EP type: Debate in Parliament
  • date: 1997-01-16T00:00:00 docs: type: Decision by Parliament, 3rd reading title: T4-0010/1997 body: EP type: Decision by Parliament, 3rd reading
  • date: 1997-01-27T00:00:00 body: CSL type: Final act signed
  • date: 1997-01-27T00:00:00 body: EP type: End of procedure in Parliament
  • date: 1997-02-14T00:00:00 type: Final act published in Official Journal docs: url: http://eur-lex.europa.eu/smartapi/cgi/sga_doc?smartapi!celexplus!prod!CELEXnumdoc&lg=EN&numdoc=31997L0005 title: Directive 1997/5 url: http://eur-lex.europa.eu/legal-content/EN/TXT/?uri=OJ:L:1997:043:TOC title: OJ L 043 14.02.1997, p. 0025
committees
  • body: EP responsible: True committee: ECON date: 1994-11-30T00:00:00 committee_full: Economic and Monetary Affairs, Industrial Policy rapporteur: group: PPE name: PEIJS Karla M.H.
  • body: EP responsible: False committee: ENVI date: 1994-12-20T00:00:00 committee_full: Environment, Public Health and Consumer Protection rapporteur: group: PSE name: KUHN Annemarie
  • body: EP responsible: False committee: JURI date: 1995-02-02T00:00:00 committee_full: Legal Affairs, Citizens' Rights rapporteur: group: PSE name: GEBHARDT Evelyne
links
European Commission
other
  • body: CSL type: Council Meeting council: Former Council configuration
procedure
dossier_of_the_committee
CODE/4/07872
reference
1994/0242(COD)
instrument
Directive
legal_basis
EC before Amsterdam E 100
stage_reached
Procedure completed
summary
Repealed by
subtype
Legislation
title
Cross-border bank transfers
type
COD - Ordinary legislative procedure (ex-codecision procedure)
final
subject
2.50.04.02 Electronic money and payments, cross-border credit transfers