{"change_dates":[],"dossier":{"amendments":[{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-119","location":[["Proposal for a directive","Recital 3"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:26"},"new":["(3) However, more can be done to improve","and develop the single market for retail","banking, although it is not clear that there","is significant demand for cross-border","switching of payment accounts."],"old":["(3) However, more can be done to improve","and develop the single market for retail","banking. In particular, the lack of","transparency and comparability of fees as","well as the difficulties in switching","payment accounts still pose barriers to the","deployment of a fully integrated market."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"119","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-120","justification":" There is almost no evidence to suggest that low mobility of consumers in this area is due to\n lack of transparency or comparability.","location":[["Proposal for a directive","Recital 4"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:26"},"new":["deleted"],"old":["(4) The current conditions of the Single","Market may deter payments services","providers from exercising their freedom to","establish or to provide services within the","Union because of the difficulty in","attracting customers when entering a new","market. Entering new markets often","entails large investments. Such","investments are only justified if the","provider foresees sufficient opportunities","and a corresponding demand from","consumers. The low level of mobility of","consumers with respect to retail financial","services is to a large extent due to the lack","of transparency and comparability as","regards the fees and services on offer, as","well as difficulties in relation to the","switching of payment accounts. These","factors also stifle demand. This is","","particularly true in the cross-border","context."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"120","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-121","location":[[" Proposal for a directive","Recital 4"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:26"},"new":["(4) The current conditions of the Single","Market may deter payments services","providers from exercising their freedom to","establish or to provide services within the","Union because of the difficulty in","attracting customers when entering a new","market. Entering new markets often entails","large investments. Such investments are","only justified if the provider foresees","sufficient opportunities and a","corresponding demand from consumers.","The low level of mobility of consumers in","some Member States with respect to retail","financial services is to a large extent due to","the lack of transparency and comparability","as regards the fees and services on offer, as","well as difficulties in relation to the","switching of payment accounts."],"old":["(4) The current conditions of the Single","Market may deter payments services","providers from exercising their freedom to","establish or to provide services within the","Union because of the difficulty in","attracting customers when entering a new","market. Entering new markets often entails","large investments. Such investments are","only justified if the provider foresees","sufficient opportunities and a","corresponding demand from consumers.","The low level of mobility of consumers","with respect to retail financial services is to","a large extent due to the lack of","transparency and comparability as regards","the fees and services on offer, as well as","difficulties in relation to the switching of","payment accounts. These factors also stifle","demand. This is particularly true in the","cross-border context."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"121","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-122","location":[["Proposal for a directive","Recital 4"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:26"},"new":["(4) The current conditions of the Single","Market may deter payments services","providers from exercising their freedom to","establish or to provide services within the","Union because of the difficulty in","attracting customers when entering a new","market. Entering new markets often entails","large investments. Such investments are","only justified if the provider foresees","sufficient opportunities and a","corresponding demand from consumers.","The low level of mobility of consumers","with respect to retail financial services is to","a large extent due to the lack of","transparency and comparability as regards","the fees and services on offer, as well as","difficulties in relation to the switching of","payment accounts. These factors also stifle","demand."],"old":["(4) The current conditions of the Single","Market may deter payments services","providers from exercising their freedom to","establish or to provide services within the","Union because of the difficulty in","attracting customers when entering a new","market. Entering new markets often entails","large investments. Such investments are","only justified if the provider foresees","sufficient opportunities and a","corresponding demand from consumers.","The low level of mobility of consumers","with respect to retail financial services is to","a large extent due to the lack of","transparency and comparability as regards","the fees and services on offer, as well as","difficulties in relation to the switching of","payment accounts. These factors also stifle","demand. This is particularly true in the","cross-border context."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"122","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-123","justification":" Many assertions relating to the internal market for retail financial services are not based on\n evidence-based research. It is not clear that the setting up an EU level switching service is\n warranted, given the huge costs involved, the progress made in establishing SEPA and the\n lack of demand for such a service","location":[["Proposal for a directive","Recital 5"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:26"},"new":["deleted"],"old":["(5) Moreover, significant barriers to the","completion of the single market in the","area of payment accounts may be created","by the fragmentation of existing national","regulatory frameworks. Existing","provisions at national level with respect to","payment accounts, and particularly with","respect to the comparability of fees and","payment account switching diverge. For","","switching, the lack of uniform binding","measures at EU level has led to divergent","practices and measures at national level.","These differences are even more marked","in the area of comparability of fees, where","no measures, even of a self-regulatory","nature, exist at EU level. Should these","differences become more significant in","the future, as banks tend to tailor their","practices to national markets, this would","raise the cost of operating cross-border","relative to the costs faced by domestic","providers and therefore make the pursuit","of business cross-border less attractive.","Cross-border activity in the internal","market is hampered by obstacles to","consumers opening a payment account","abroad. Existing restrictive eligibility","criteria may prevent European citizens","from moving freely within the Union.","Providing all consumers with access to a","payment account will permit their","participation in the internal market and","allow them to obtain the benefits of the","single market."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"123","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-124","location":[[" Proposal for a directive","Recital 5"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:26"},"new":["(5) Moreover, significant barriers to the","completion of the single market in the area","of payment accounts may be created by the","fragmentation of existing national","regulatory frameworks. Existing provisions","at national level with respect to payment","accounts, and particularly with respect to","the comparability of fees and payment","account switching diverge. In order to","complete the single market in the area of","payment accounts, and make the EU an","inclusive and modern digital space, it is","crucial to dismantle national borders and","incentivise public and private investments","in SEPA. All consumers should be able to","benefit from the SEPA advantages. For","switching, the lack of uniform binding","measures at EU level has led to divergent","practices and measures at national level.","These differences are even more marked in","the area of comparability of fees, where no","measures, even of a self-regulatory nature,","exist at EU level. Should these differences","become more significant in the future, as","banks tend to tailor their practices to","national markets, this would raise the cost","of operating cross-border relative to the","costs faced by domestic providers and","therefore make the pursuit of business","cross-border less attractive. Cross-border","activity in the internal market is hampered","by obstacles to consumers opening a","payment account abroad. Existing","restrictive eligibility criteria may prevent","European citizens from moving freely","within the Union. Providing all consumers","with access to a payment account will","permit their participation in the internal","market and allow them to obtain the","benefits of the single market."],"old":["(5) Moreover, significant barriers to the","","completion of the single market in the area","of payment accounts may be created by the","fragmentation of existing national","regulatory frameworks. Existing provisions","at national level with respect to payment","accounts, and particularly with respect to","the comparability of fees and payment","account switching diverge. For switching,","the lack of uniform binding measures at","EU level has led to divergent practices and","measures at national level. These","differences are even more marked in the","area of comparability of fees, where no","measures, even of a self-regulatory nature,","exist at EU level. Should these differences","become more significant in the future, as","banks tend to tailor their practices to","national markets, this would raise the cost","of operating cross-border relative to the","costs faced by domestic providers and","therefore make the pursuit of business","cross-border less attractive. Cross-border","activity in the internal market is hampered","by obstacles to consumers opening a","payment account abroad. Existing","restrictive eligibility criteria may prevent","European citizens from moving freely","within the Union. Providing all consumers","with access to a payment account will","permit their participation in the internal","market and allow them to obtain the","benefits of the single market."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"124","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-125","location":[[" Proposal for a directive","Recital 6"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:27"},"new":["(6) There is a significant degree of","variation between Member States in terms","of the ability of consumers to access","payment accounts. However in those","Member States where there are significant","unbanked populations, this appears to be","more a consequence of incomplete","banking infrastructure and/or the","consumer's preference not to open a","payment account."],"old":["(6) Moreover, since some prospective","customers do not open accounts, either","because they are denied them or because","they are not offered adequate products the","potential demand for payment account","services in the EU is currently not fully","exploited. Wider consumer participation","in the internal market would further","incentivise payment service providers to","enter new markets. Also, creating the","conditions to allow all consumers to","access a payment account is a necessary","means to foster their participation in the","internal market and to allow them to reap","the benefits the Single Market has","brought about."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"125","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-126","location":[[" Proposal for a directive","Recital 6"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:27"},"new":["(6) Moreover, since some prospective","customers do not open accounts, because","they are denied them, because they are not","offered adequate products or because, for","cultural reasons, they have a preference","for cash, the potential demand for payment","account services in the EU is currently not","fully exploited. Wider consumer","participation in the internal market would","further incentivise payment service","providers to enter new markets. Also,","creating the conditions to allow all","consumers to access a payment account is a","necessary means to foster their","participation in the internal market and to","allow them to reap the benefits the Single","Market has brought about."],"old":["(6) Moreover, since some prospective","customers do not open accounts, either","because they are denied them or because","they are not offered adequate products the","potential demand for payment account","services in the EU is currently not fully","exploited. Wider consumer participation in","the internal market would further","incentivise payment service providers to","enter new markets. Also, creating the","conditions to allow all consumers to access","a payment account is a necessary means to","foster their participation in the internal","market and to allow them to reap the","","benefits the Single Market has brought","about."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"126","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-127","justification":" As drafted, it could be interpreted that all EU PSPs would be obliged to work with all credit\n transfer and direct debit schemes in all EU currencies. Such a requirement would come at\n huge cost and risk, with little obvious benefit given the low level of demand for such a cross\n border service. As of 1 February 2014, cross-border transactions will also be facilitated by\n the implementation of Regulation SEPA260/2012.","location":[["Proposal for a directive","Recital 7"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:27"},"new":["(7) Transparency and comparability of fees","have been addressed in a self-regulatory","initiative, initiated by the banking industry.","However, no final agreement was found on","these guidelines. As regards switching, the","common principles established in 2008 by","the European Banking Industry Committee","provide a model mechanism for switching","between bank accounts offered by payment","service providers located in the same","Member State. Finally, as regards access to","a basic payment account, the Commission","Recommendation 2011/442/EU of 18 July","2011 invited Member States to take the","necessary measures to ensure its","application at the latest six months after its","publication. To date, only few Member","States comply with the main principles of","the Recommendation."],"old":["(7) Transparency and comparability of fees","have been addressed in a self-regulatory","initiative, initiated by the banking industry.","However, no final agreement was found on","these guidelines. As regards switching, the","common principles established in 2008 by","the European Banking Industry Committee","provide a model mechanism for switching","between bank accounts offered by payment","service providers located in the same","Member State. However, given their non-","binding nature, these principles have been","applied in an inconsistent manner","throughout the EU and with ineffective","results. Moreover, the Common Principles","only address bank account switching at","national level and do not address cross-","border switching. Finally, as regards","access to a basic payment account, the","Commission Recommendation","2011/442/EU of 18 July 2011 invited","Member States to take the necessary","measures to ensure its application at the","latest six months after its publication. To","date, only few Member States comply with","the main principles of the","Recommendation."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"127","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-128","location":[[" Proposal for a directive","Recital 7"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:27"},"new":["(7) Transparency and comparability of fees","have been addressed in a self-regulatory","initiative, initiated by the banking industry.","However, no final agreement was found on","these guidelines. As regards switching, the","common principles established in 2008 by","the European Banking Industry Committee","provide a model mechanism for switching","between bank accounts offered by payment","service providers located in the same","Member State. However, given their non-","binding nature, these principles have been","applied in an inconsistent manner","throughout the EU and with ineffective","results. Finally, as regards access to a basic","payment account, the Commission","Recommendation 2011/442/EU of 18 July","2011 invited Member States to take the","necessary measures to ensure its","application at the latest six months after its","publication. To date, only few Member","States comply with the main principles of","the Recommendation."],"old":["(7) Transparency and comparability of fees","have been addressed in a self-regulatory","initiative, initiated by the banking industry.","However, no final agreement was found on","these guidelines. As regards switching, the","common principles established in 2008 by","the European Banking Industry Committee","provide a model mechanism for switching","between bank accounts offered by payment","service providers located in the same","Member State. However, given their non-","binding nature, these principles have been","applied in an inconsistent manner","throughout the EU and with ineffective","results. Moreover, the Common Principles","only address bank account switching at","national level and do not address cross-","border switching. Finally, as regards","access to a basic payment account, the","Commission Recommendation","2011/442/EU of 18 July 2011 invited","Member States to take the necessary","measures to ensure its application at the","latest six months after its publication. To","date, only few Member States comply with","the main principles of the","Recommendation."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"128","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-407","location":[["Proposal for a directive","Article 9 \u2013 title"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:26"},"new":["Provision and timing of implementation of","the switching service"],"old":["Provision of the switching service"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"407","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-129","location":[["Proposal for a directive","Recital 7"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:27"},"new":["(7) Transparency and comparability of fees","have been addressed in a self-regulatory","initiative, initiated by the banking industry.","However, no final agreement was found on","these guidelines. As regards switching, the","common principles established in 2008 by","the European Banking Industry Committee","provide a model mechanism for switching","between bank accounts offered by payment","service providers located in the same","Member State. These principles have been","applied unevenly, but adapted to the","specificities of the national markets","throughout the EU. Moreover, the","Common Principles only address bank","account switching at national level and do","not address cross-border switching.","Finally, as regards access to a basic","payment account, the Commission","Recommendation 2011/442/EU of 18 July","2011 invited Member States to take the","necessary measures to ensure its","application at the latest six months after its","publication. To date, only few Member","States comply with the main principles of","the Recommendation."],"old":["(7) Transparency and comparability of fees","have been addressed in a self-regulatory","initiative, initiated by the banking industry.","However, no final agreement was found on","these guidelines. As regards switching, the","common principles established in 2008 by","the European Banking Industry Committee","provide a model mechanism for switching","between bank accounts offered by payment","service providers located in the same","Member State. However, given their non-","binding nature, these principles have been","applied in an inconsistent manner","throughout the EU and with ineffective","results. Moreover, the Common Principles","only address bank account switching at","national level and do not address cross-","border switching. Finally, as regards access","to a basic payment account, the","Commission Recommendation","2011/442/EU of 18 July 2011 invited","Member States to take the necessary","measures to ensure its application at the","latest six months after its publication. To","date, only few Member States comply with","the main principles of the","Recommendation."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"129","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-408","location":[["Proposal for a directive","Article 9 \u2013 paragraph 1"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:26"},"new":["deleted"],"old":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","the Union."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"408","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-130","justification":" There is not much evidence to suggest that the mobility of EU citizens is majorly hampered by\n lack of fee information or switching possibilities.","location":[["Proposal for a directive","Recital 8"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:27"},"new":["(8) It is essential to adopt adequate","measures to foster customers' participation","in the payment accounts market. These","measures will incentivize entry for","payment service providers in the internal","market and ensure a level playing field,","thereby strengthening competition and the","efficient allocation of resources within the","EU financial retail market to the benefit of","businesses and consumers."],"old":["(8) It is vital, therefore, to establish a","uniform set of rules to tackle the issue of","low customer mobility and in particular to","improve comparison of payment account","services and fees and to incentivise","payment account switching as well as","avoid that consumers who intend to","purchase a payment account cross-border","are discriminated on the basis of","residency. Moreover, it is essential to","adopt adequate measures to foster","customers' participation in the payment","accounts market. These measures will","incentivize entry for payment service","providers in the internal market and ensure","a level playing field, thereby strengthening","competition and the efficient allocation of","resources within the EU financial retail","market to the benefit of businesses and","consumers. Also, transparent fee","information and switching possibilities","combined with the right of access to basic","account services will allow EU citizens to","move and shop around more easily within","the Union and therefore benefit from a","fully functioning internal market in the","area of retail financial services and","contribute to its further development."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"130","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-409","location":[["Proposal for a directive","Article 9 \u2013 paragraph -1 a (new)"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:27"},"new":["-1a. The rules concerning the switching","only apply to the switching of payment","accounts within a Member State."],"old":["",""],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"409","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-131","location":[[" Proposal for a directive","Recital 8"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:27"},"new":["(8) It is vital, therefore, to establish a","uniform set of rules to tackle the issue of","low customer mobility and in particular to","improve comparison of payment account","services and fees and to incentivise","payment account switching. Moreover, it is","essential to adopt adequate measures to","foster customers' participation in the","payment accounts market. These measures","will incentivize entry for payment service","providers in the internal market and ensure","a level playing field, thereby strengthening","competition and the efficient allocation of","resources within the EU financial retail","market to the benefit of businesses and","consumers."],"old":["(8) It is vital, therefore, to establish a","uniform set of rules to tackle the issue of","low customer mobility and in particular to","improve comparison of payment account","services and fees and to incentivise","payment account switching as well as","avoid that consumers who intend to","purchase a payment account cross-border","are discriminated on the basis of","residency. Moreover, it is essential to","adopt adequate measures to foster","customers' participation in the payment","accounts market. These measures will","incentivize entry for payment service","providers in the internal market and ensure","a level playing field, thereby strengthening","competition and the efficient allocation of","resources within the EU financial retail","market to the benefit of businesses and","consumers. Also, transparent fee","information and switching possibilities","combined with the right of access to basic","account services will allow EU citizens to","move and shop around more easily within","the Union and therefore benefit from a","fully functioning internal market in the","area of retail financial services and","contribute to its further development."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"131","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-410","justification":" The switching service should be limited to switching inside a MS. It should not switch\n contracts or obligations (like return of a payment) of the transferring PSP. It should be a one-\n off transfer and require that the consumer him/herself has made an account agreement with\n the receiving PSP.","location":[[" Proposal for a directive","Article 9 \u2013 paragraph 1"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:27"},"new":["Member States shall ensure that the","transferring and receiving payment","service providers located in the Union","provide a switching service within the","same Member State as described in Article","10, or equivalent, to any consumer who","holds a payment account."],"old":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","the Union."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"410","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Schmidt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-132","location":[["Proposal for a directive","Recital 8"]],"meps":[4274],"meta":{"created":"2019-07-03T05:16:27"},"new":["(8) In order to enable effective and","smooth financial mobility in the long","term, it is vital to establish a uniform set of","rules to tackle the issue of low customer","mobility and in particular to improve","comparison of payment account services","and fees and to incentivise payment","account switching as well as avoid that","consumers who intend to purchase a","payment account cross-border are","discriminated on the basis of residency.","Moreover, it is essential to adopt adequate","measures to foster customers' participation","in the payment accounts market. These","measures will incentivize entry for","payment service providers in the internal","market and ensure a level playing field,","thereby strengthening competition and the","efficient allocation of resources within the","EU financial retail market to the benefit of","businesses and consumers. Also,","transparent fee information and switching","possibilities combined with the right of","access to basic account services will allow","EU citizens to move and shop around more","easily within the Union and therefore","benefit from a fully functioning internal","market in the area of retail financial","services and contribute the growth of e-","commerce and to further development of","the internal market."],"old":["(8) It is vital, therefore, to establish a","uniform set of rules to tackle the issue of","low customer mobility and in particular to","improve comparison of payment account","","services and fees and to incentivise","payment account switching as well as","avoid that consumers who intend to","purchase a payment account cross-border","are discriminated on the basis of residency.","Moreover, it is essential to adopt adequate","measures to foster customers' participation","in the payment accounts market. These","measures will incentivize entry for","payment service providers in the internal","market and ensure a level playing field,","thereby strengthening competition and the","efficient allocation of resources within the","EU financial retail market to the benefit of","businesses and consumers. Also,","transparent fee information and switching","possibilities combined with the right of","access to basic account services will allow","EU citizens to move and shop around more","easily within the Union and therefore","benefit from a fully functioning internal","market in the area of retail financial","services and contribute to its further","development."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"132","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-411","justification":"A cross-border switching service would come at huge cost and risk, with little obvious benefit\ngiven the low level of demand for such a cross border service. Cross-border transactions will\nalso be facilitated by the implementation of Regulation 260/2012.","location":[[" Proposal for a directive","Article 9 \u2013 paragraph 1"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:27"},"new":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","the Member State where the consumer","resides."],"old":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","","","the Union."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"411","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-133","location":[[" Proposal for a directive","Recital 8 a (new)"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:27"},"new":["(8a) It is also vital to ensure that this","Directive does not hamper innovation in","the area of retail financial services. Each","year, new technologies become viable,","which sometimes have the potential to","render the current model of payment","accounts out of date. In particular, mobile","banking services, peer-to-peer services","and stored value payment cards must be","encouraged as alternatives to traditional","banking services."],"old":[""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"133","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen, Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-412","location":[["Proposal for a directive","Article 9 \u2013 paragraph 1"]],"meps":[1928,96997],"meta":{"created":"2019-07-03T05:16:27"},"new":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","their territory."],"old":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","the Union."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"412","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Astrid Lulling","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-134","location":[["Proposal for a directive","Recital 9"]],"meps":[1186],"meta":{"created":"2019-07-03T05:16:27"},"new":["(9) This Directive applies to payment","accounts held by consumers.","Consequently, accounts held by businesses,","even small or micro enterprises, unless","held in a personal capacity, are outside its","scope. Furthermore, this Directive does not","cover savings accounts, which may have","more limited payments functions. This","directive shall not apply to payment","service providers that operate solely as","online e-payment accounts providers."],"old":["(9) This Directive applies to payment","accounts held by consumers.","Consequently, accounts held by businesses,","even small or micro enterprises, unless","held in a personal capacity, are outside its","scope. Furthermore, this Directive does not","cover savings accounts, which may have","more limited payments functions."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"134","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Astrid Lulling","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-413","justification":" there is no reason to offer this service cross-border","location":[["Proposal for a directive","Article 9 \u2013 paragraph 1"]],"meps":[1186],"meta":{"created":"2019-07-03T05:16:27"},"new":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider within the","Member State."],"old":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","the Union."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"413","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-135","location":[["Proposal for a directive","Recital 9"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:27"},"new":["(9) This Directive applies to payment","accounts held by consumers.","Consequently, accounts held by businesses,","even small or micro enterprises, unless","held in a personal capacity, are outside its","scope. Furthermore, this Directive does not","cover savings accounts, which may have","more limited payments functions. Also,","this directive does not cover credit cards,","which are not central to achieving its","objectives of enhancing financial","inclusion as well as of the single market."],"old":["(9) This Directive applies to payment","accounts held by consumers.","Consequently, accounts held by businesses,","even small or micro enterprises, unless","held in a personal capacity, are outside its","scope. Furthermore, this Directive does not","cover savings accounts, which may have","more limited payments functions.",""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"135","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-414","location":[[" Proposal for a directive","Article 9 \u2013 paragraph 1"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:27"},"new":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located","within a Member State."],"old":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","the Union."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"414","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-136","location":[[" Proposal for a directive","Recital 11"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:27"},"new":["(11) It is vital for consumers to be able to","understand fees so that they can compare","offers from different payment service","providers and make informed decisions as","to which account is most suitable for their","needs. In this context, the associated","range of services and the quality of what","is on offer also play an essential role,","which should not be disregarded when","comparing fees. Comparison between fees","cannot be achieved where payment service","providers use different terminology for the","same payment services and provide","information in different formats.","Standardised terminology, coupled with","targeted fee information for the most","representative payment services in a","consistent format, can help consumers to","both understand and compare fees."],"old":["(11) It is vital for consumers to be able to","understand fees so that they can compare","offers from different payment service","providers and make informed decisions as","to which account is most suitable for their","needs. Comparison between fees cannot be","achieved where payment service providers","use different terminology for the same","payment services and provide information","in different formats. Standardised","terminology, coupled with targeted fee","information for the most representative","payment services in a consistent format,","can help consumers to both understand and","compare fees."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"136","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-415","justification":"This amendment aims at ensuring that customers using a bank account with basic features\ncan also benefit from a switching service. It is based on a contribution by the Association of\nGerman Retailers and BEUC","location":[[" Proposal for a directive","Article 9 \u2013 paragraph 1"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:27"},"new":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","the Union. The provisions of Article 10","and 11 shall also apply to a bank account","with basic features."],"old":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","the Union."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"415","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-137","location":[[" Proposal for a directive","Recital 11"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:27"},"new":["(11) It is vital for consumers to be able to","understand fees so that they can compare","offers from different payment service","providers and make informed decisions as","to which account is most suitable for their","needs. Comparison between fees cannot be","achieved where payment service providers","use different terminology for the same","payment services and provide information","in different formats. Standardised","terminology, coupled with targeted fee","information for the most representative","payment services in a consistent format,","can help consumers to both understand and","compare fees at national level. Despite","this, it must be recognised that there is a","huge amount of variation across member","states. For those member states with 'free","retail banking models', identifying a large","number of fee terms may be impossible."],"old":["(11) It is vital for consumers to be able to","understand fees so that they can compare","offers from different payment service","providers and make informed decisions as","to which account is most suitable for their","needs. Comparison between fees cannot be","achieved where payment service providers","use different terminology for the same","payment services and provide information","in different formats. Standardised","terminology, coupled with targeted fee","information for the most representative","payment services in a consistent format,","can help consumers to both understand and","compare fees."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"137","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-138","location":[["Proposal for a directive","Recital 11"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:27"},"new":["(11) It is vital for consumers to be able to","understand fees so that they can compare","offers from different payment service","providers and make informed decisions as","to which account is most suitable for their","needs. Comparison between fees cannot be","achieved where payment service providers","use different terminology for the same","payment services and provide information","in different formats. Standardised","terminology, coupled with targeted fee","information for the most representative","payment services in a consistent format,","can help consumers to both understand and","compare fees at national level."],"old":["(11) It is vital for consumers to be able to","understand fees so that they can compare","offers from different payment service","providers and make informed decisions as","to which account is most suitable for their","needs. Comparison between fees cannot be","achieved where payment service providers","use different terminology for the same","payment services and provide information","in different formats. Standardised","terminology, coupled with targeted fee","information for the most representative","","payment services in a consistent format,","can help consumers to both understand and","compare fees."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"138","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-416","location":[["Proposal for a directive","Article 9 \u2013 paragraph 1"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:27"},"new":["2. Member States shall ensure that the","respective payment service providers","provide upon the consumer's request a","switching service as described in Article","10, or equivalent, to a consumer who holds","a payment account with a payment service","provider located in the Union and who has","arranged for the opening of a new","payment account with the receiving","payment service provider."],"old":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","the Union."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"416","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-139","justification":" In order to pursue coherence with the Payment Services Directive, and to avoid any possible\n inconsistency, it would have been more logical to address fee transparency in the PSD which\n is presently under review. In any case, to avoid double standards, it is important that the\n Directive\u2019s provisions on fee information are coordinated with the Payment Services\n Directive rules in Title III and with Title VI of the PSD\u2019s transparency provisions issued by\n national authorities","location":[[" Proposal for a directive","Recital 12"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:27"},"new":["(12) Consumers need information on fees","relating to their payment account that is","concise and easy to compare between","different payment service providers. In this","context, the EC adopted Directive","2007/64/EC which, in the interest of","transparency, lays down conditions and","information requirements for payment","transactions. Fee terminology should only","be standardised for the most representative","terms and definitions within Member","States in order to avoid the risk of","excessive information."],"old":["(12) Consumers would benefit most from","information that is concise and easy to","compare between different payment","service providers. The tools made","available to consumers to compare","payment account offers would not have a","positive impact if the time invested in","going through lengthy lists of fees for","different offers outweighed the benefit of","choosing the offer that represents the best","value. Accordingly, fee terminology","should only be standardised for the most","representative terms and definitions within","Member States in order to avoid the risk of","excessive information."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"139","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-417","location":[["Proposal for a directive","Article 9 \u2013 paragraph 1 a (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:27"},"new":["1a. The switching service request does not","involve the switching of the contract from","the transferring payment service provider","to the receiving payment service provider."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"417","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-140","location":[["Proposal for a directive","Recital 12"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:28"},"new":["(12) Consumers would benefit most from","information that is concise and easy to","compare between different payment","service providers. The tools made available","to consumers to compare payment account","offers would not have a positive impact if","the time invested in going through lengthy","lists of fees for different offers outweighed","the benefit of choosing the offer that","represents the best value. A list of payment","services accounting for 80% of the most","representative payment services subject to","a fee at national level is therefore the best","approach to represent the majority of the","most representative payment services and","take into account the particularity of the","services offered in the Member States.","Accordingly, fee terminology should only","be standardised for the most representative","terms and definitions within Member","States in order to avoid the risk of","excessive information."],"old":["(12) Consumers would benefit most from","information that is concise and easy to","compare between different payment","service providers. The tools made available","to consumers to compare payment account","offers would not have a positive impact if","the time invested in going through lengthy","lists of fees for different offers outweighed","the benefit of choosing the offer that","represents the best value. Accordingly, fee","terminology should only be standardised","for the most representative terms and","definitions within Member States in order","to avoid the risk of excessive information."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"140","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-418","location":[[" Proposal for a directive","Article 9 \u2013 paragraph 1 a (new)"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:27"},"new":["1a. The switching service request does not","involve the switching of the contract from","the transferring payment service provider","to the receiving payment service provider."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"418","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-141","location":[["Proposal for a directive","Recital 12"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:28"},"new":["(12) Consumers would benefit most from","information that is concise and easy to","compare between different payment","service providers. The tools made available","to consumers to compare payment account","offers would not have a positive impact if","the time invested in going through lengthy","lists of fees for different offers outweighed","the benefit of choosing the offer that","represents the best value. A list of payment","services accounting for 80% of the most","representative payment services subject to","a fee at national level is therefore the best","approach to represent the majority of the","most representative payment services and","take into account the particularity of the","offered services in the Member States.","Accordingly, fee terminology should only","be standardised for the most representative","terms and definitions within Member","States in order to avoid the risk of","excessive information."],"old":["(12) Consumers would benefit most from","information that is concise and easy to","compare between different payment","service providers. The tools made available","to consumers to compare payment account","offers would not have a positive impact if","the time invested in going through lengthy","","lists of fees for different offers outweighed","the benefit of choosing the offer that","represents the best value. Accordingly, fee","terminology should only be standardised","for the most representative terms and","definitions within Member States in order","to avoid the risk of excessive information."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"141","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson, Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-419","justification":" Some Member States already have domestic switching service systems that are more efficient,\n for example in terms of automaticity and time limits, than the system set out in Articles 10. As\n long as the consumer benefits from it, all Member States should be allowed to keep or\n introduce such efficiencies.","location":[[" Proposal for a directive","Article 9 \u2013 paragraph 1 a (new)"]],"meps":[96673,1913],"meta":{"created":"2019-07-03T05:16:27"},"new":["Regarding switching between domestic","payment service providers, Member States","may uphold or establish provisions that","deviate slightly from those outlined in","Article 10 if this entails efficiencies that","are clearly in the interest of the consumer."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"419","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-142","justification":"Weighed against the administrative costs involved, it is not clear that the terminology\nstandardisation process delivers real benefit.","location":[[" Proposal for a directive","Recital 13"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:28"},"new":["(13) The fee terminology should be","determined by national competent","authorities, allowing for consideration of","the specificities of local markets. To be","considered representative, services should","be subject to a fee at a minimum of one","payment service provider in Member","States."],"old":["(13) The fee terminology should be","determined by national competent","authorities, allowing for consideration of","the specificities of local markets. To be","considered representative, services should","be subject to a fee at a minimum of one","payment service provider in Member","States. In addition, where possible, fee","terminology should be standardised at EU","level, thus allowing for comparison across","the Union. The European Banking","Authority (EBA) should establish","guidelines to assist Member States to","determine the most representative","payment services subject to a fee at","national level."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"142","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-143","location":[["Proposal for a directive","Recital 13"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:28"},"new":["(13) The fee terminology should be","determined by national competent","authorities, allowing for consideration of","the specificities of local markets. To be","considered representative, services should","be subject to a fee at a minimum of one","payment service provider in Member","States. The European Banking Authority","(EBA) should establish guidelines to assist","Member States to determine the most","representative payment services subject to","a fee at national level."],"old":["(13) The fee terminology should be","determined by national competent","authorities, allowing for consideration of","the specificities of local markets. To be","considered representative, services should","be subject to a fee at a minimum of one","payment service provider in Member","States. In addition, where possible, fee","terminology should be standardised at EU","level, thus allowing for comparison across","the Union. The European Banking","Authority (EBA) should establish","guidelines to assist Member States to","determine the most representative payment","services subject to a fee at national level."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"143","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-420","location":[["Proposal for a directive","Article 9 \u2013 paragraph 1 b (new)"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:28"},"new":["EBA shall develop draft regulatory","technical standards to specify what kinds","of deviations indicated in paragraph 1a","are to be allowed.","EBA shall submit those draft regulatory","technical standards to the Commission","by...","Power is delegated to the Commission to","adopt the regulatory technical standards","referred to in the first subparagraph of","this paragraph in accordance with","Articles 10 to 14 of Regulation (EU) No","1093/2010."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"420","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-144","location":[["Proposal for a directive","Recital 13"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:28"},"new":["(13) The fee terminology should be","determined by national competent","authorities, allowing for consideration of","the specificities of local markets. To be","considered representative, services should","be subject to a fee at a minimum of one","payment service provider in Member","States. In addition, where possible, an EU","standardised list of definitions should be","elaborated, thus allowing for comparison","across the Union. The European Banking","Authority (EBA) should establish","guidelines to assist Member States to","determine the most representative payment","services subject to a fee at national level."],"old":["(13) The fee terminology should be","determined by national competent","authorities, allowing for consideration of","the specificities of local markets. To be","considered representative, services should","","","be subject to a fee at a minimum of one","payment service provider in Member","States. In addition, where possible, fee","terminology should be standardised at EU","level, thus allowing for comparison across","the Union. The European Banking","Authority (EBA) should establish","guidelines to assist Member States to","determine the most representative payment","services subject to a fee at national level."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"144","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-421","location":[["Proposal for a directive","Article 9 \u2013 paragraph 1 b (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:28"},"new":["Member States shall ensure that by two","years after entry into force of this","Directive payment service providers","provide a switching service as described in","Article 10, or provide an equivalent","switching services within (as a maximum)","the same overall timescales as described","in Article 10, to any consumer who holds","a payment account with a payment service","provider located in that Member State."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"421","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson, Evelyne Gebhardt, Emilie Turunen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-145","location":[[" Proposal for a directive","Recital 13"]],"meps":[96673,1913,96703],"meta":{"created":"2019-07-03T05:16:28"},"new":["(13) The fee terminology should be","determined by national competent","authorities, allowing for consideration of","the specificities of local markets. To be","considered representative, services should","be subject to a fee or offered free of","charge at a minimum of one payment","service provider in Member States. In","addition, where possible, fee terminology","should be standardised at EU level, thus","allowing for comparison across the Union.","The European Banking Authority (EBA)","should establish guidelines to assist","Member States to determine the most","representative payment services, subject to","a fee or offered free of charge, at national","level."],"old":["(13) The fee terminology should be","determined by national competent","authorities, allowing for consideration of","the specificities of local markets. To be","considered representative, services should","be subject to a fee at a minimum of one","payment service provider in Member","States. In addition, where possible, fee","terminology should be standardised at EU","level, thus allowing for comparison across","the Union. The European Banking","Authority (EBA) should establish","guidelines to assist Member States to","determine the most representative payment","services subject to a fee at national level."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"145","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-422","location":[[" Proposal for a directive","Article 9 \u2013 paragraph 1 c (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:28"},"new":["Unless the European Commission decides","otherwise through a regulatory impact","assessment, Member States shall ensure","that by six years after the entry into force","of this Directive payment service providers","provide a switching service as described in","article 10, or provide an equivalent","switching services within (as a maximum)","the same overall timescales as described","in Article 10, to any consumer who holds","a payment account with a payment service","provider located in the Union. At the same","time, Member States shall also ensure that","there is a system for automated","redirection of standing orders and direct","debits to the account held by the","consumer with the receiving payment","service provider implemented."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"422","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-146","justification":"Weighed against the administrative costs involved, it is not clear that the terminology\nstandardisation process delivers real benefit.","location":[["Proposal for a directive","Recital 14"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:28"},"new":["deleted"],"old":["(14) Once national competent authorities","have determined a provisional list of the","most representative services subject to a","fee at national level together with terms","and definitions, the Commission should","review them to identify, by means of","delegated acts, the services that are","common to the majority of Member States","and propose standardised EU level terms","and definitions for them."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"146","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-423","location":[[" Proposal for a directive","Article 9 \u2013 paragraph 1 d (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:28"},"new":["Member States shall ensure that as long","as there is no system of cross border","switching implemented, the closing of a","payment account in one Member State","and the transferring of the balance to a","new payment account in another Member","State is not made excessively difficult or","burdensome for the consumer."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"423","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-424","justification":"This amendment is based on a contribution by the German association of consumer\nprotection organisations (VZBV).","location":[["Proposal for a directive","Article 10 \u2013 paragraph 1"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:28"},"new":["1. Member States shall ensure that","payment services linked to the consumer\u00b4s","current or future payment account are","available throughout the whole switching","process, Member States shall also ensure","that the switching service is initiated by","the receiving payment service provider and","provided in accordance with the rules set","out in paragraphs 2 to 7."],"old":["1. Member States shall ensure that the","switching service is initiated by the","receiving payment service provider and","provided in accordance with the rules set","out in paragraphs 2 to 7."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"424","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-147","location":[["Proposal for a directive","Recital 14"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:28"},"new":["(14) Once national competent authorities","have determined a provisional list of the","most representative services subject to a","fee at national level together with terms","and definitions, the Commission may","review them, make recommendations as to","which services are common to the majority","of Member States and propose standardised","EU level terms and definitions for them."],"old":["(14) Once national competent authorities","have determined a provisional list of the","most representative services subject to a","fee at national level together with terms","and definitions, the Commission should","review them to identify, by means of","delegated acts, the services that are","common to the majority of Member States","and propose standardised EU level terms","and definitions for them."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"147","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-425","location":[["Proposal for a directive","Article 10 \u2013 paragraph 1"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:28"},"new":["1. Member States shall ensure that the","switching service is initiated by the","receiving payment service provider and","provided in accordance with the rules set","out in paragraphs 2 to 7, and that account","is taken of relevant contractual relations","between consumers and the economic","players involved."],"old":["1. Member States shall ensure that the","switching service is initiated by the","receiving payment service provider and","provided in accordance with the rules set","out in paragraphs 2 to 7.","",""],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"425","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sharon Bowles","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-426","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 1"]],"meps":[33570],"meta":{"created":"2019-07-03T05:16:28"},"new":["1. Member States shall ensure that the","switching service is automated or initiated","by the receiving payment service provider","and provided in accordance with the rules","set out in paragraphs 2 to 7. Member States","may establish more extensive switching","services."],"old":["1. Member States shall ensure that the","switching service is initiated by the","receiving payment service provider and","provided in accordance with the rules set","out in paragraphs 2 to 7."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"426","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-148","location":[[" Proposal for a directive","Recital 14"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:28"},"new":["(14) Once national competent authorities","have determined a provisional list of the","most representative services subject to a","fee at national level together with the","definitions, the Commission should review","them to identify, by means of delegated","acts, the services that are common to the","majority of Member States and propose an","EU standardised list of definitions."],"old":["(14) Once national competent authorities","have determined a provisional list of the","most representative services subject to a","fee at national level together with terms","and definitions, the Commission should","review them to identify, by means of","delegated acts, the services that are","common to the majority of Member States","and propose standardised EU level terms","and definitions for them."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"148","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-427","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 1"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:28"},"new":["1. Member States shall ensure that the","switching service is initiated by the","receiving payment service provider and","provided in accordance with the rules set","out in paragraphs 2 to 7 and supported by","all third parties involved."],"old":["1. Member States shall ensure that the","switching service is initiated by the","receiving payment service provider and","provided in accordance with the rules set","out in paragraphs 2 to 7."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"427","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson, Evelyne Gebhardt, Emilie Turunen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-149","location":[[" Proposal for a directive","Recital 14"]],"meps":[96673,1913,96703],"meta":{"created":"2019-07-03T05:16:28"},"new":["(14) Once national competent authorities","have determined a provisional list of the","most representative services subject to a","fee or offered free of charge at national","level together with terms and definitions,","the Commission should review them to","identify, by means of delegated acts, the","services that are common to the majority of","Member States and propose standardised","EU level terms and definitions for them."],"old":["(14) Once national competent authorities","have determined a provisional list of the","most representative services subject to a","fee at national level together with terms","and definitions, the Commission should","review them to identify, by means of","delegated acts, the services that are","common to the majority of Member States","and propose standardised EU level terms","and definitions for them."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"149","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-428","location":[["Proposal for a directive","Article 10 \u2013 paragraph 2"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:28"},"new":["2. The switching service shall be initiated","by the receiving payment service provider","upon request of the consumer. The","receiving payment service provider shall","request written authorisation from the","consumer to perform the switching service.","In case of joint accounts the authorisation","must be provided by all holders having","joint signature of the account. The","authorisation shall be drawn up in an","official language of the Member State","where the switching service is being","initiated or in any other language agreed","between the parties. The authorisation","shall allow the consumer to provide","specific consent to the transferring","payment service provider to perform each","of the tasks indicated in paragraphs 3(e)","and 3(f) and to provide specific consent to","the receiving payment service provider to","perform each of the tasks indicated in","paragraphs 4(c), 4(d) and 5. The","authorisation shall allow the consumer to","specifically request the transmission by the","transferring payment service provider of","the information indicated in paragraphs","3(a) and 3(b). The authorisation shall also","specify the date from which recurrent","payments are to be operated from the","account opened with the receiving payment","service provider. This date shall be at least","seven business days from the day the","transferring payment service provider","receives the request to perform the switch","from the receiving payment service","provider pursuant to Article 10 paragraph","6."],"old":["2. The switching service shall be initiated","by the receiving payment service provider.","The receiving payment service provider","shall request written authorisation from the","consumer to perform the switching service.","The authorisation shall allow the consumer","to provide specific consent to the","transferring payment service provider to","perform each of the tasks indicated in","paragraphs 3(e) and 3(f) and to provide","specific consent to the receiving payment","service provider to perform each of the","tasks indicated in paragraphs 4(c), 4(d) and","5. The authorisation shall allow the","consumer to specifically request the","transmission by the transferring payment","service provider of the information","indicated in paragraphs 3(a) and 3(b). The","authorisation shall also specify the date","from which recurrent payments are to be","operated from the account opened with the","receiving payment service provider."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"428","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-429","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 2"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:28"},"new":["2. The switching service shall be initiated","by the receiving payment service provider.","The receiving payment service provider","shall request written authorisation from the","consumer to perform the switching service.","The authorisation shall allow the consumer","to provide specific consent to the","transferring payment service provider to","perform each of the tasks indicated in","paragraphs 3(c), 3(e) and 3(f) and to","provide specific consent to the receiving","payment service provider to perform each","of the tasks indicated in paragraphs 4(c),","4(d) and 5. The authorisation shall allow","the consumer to specifically request the","transmission by the transferring payment","service provider of the information","indicated in paragraphs 3(a) and 3(b). The","authorisation shall also specify the","payment orders referred to in paragraphs","4(a) and 4(b) and the date from which","recurrent payments are to be operated from","the account opened with the receiving","payment service provider."],"old":["2. The switching service shall be initiated","by the receiving payment service provider.","The receiving payment service provider","shall request written authorisation from the","consumer to perform the switching service.","The authorisation shall allow the consumer","to provide specific consent to the","transferring payment service provider to","perform each of the tasks indicated in","paragraphs 3(e) and 3(f) and to provide","specific consent to the receiving payment","service provider to perform each of the","tasks indicated in paragraphs 4(c), 4(d) and","5. The authorisation shall allow the","consumer to specifically request the","transmission by the transferring payment","service provider of the information","indicated in paragraphs 3(a) and 3(b). The","authorisation shall also specify the date","from which recurrent payments are to be","operated from the account opened with the","receiving payment service provider."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"429","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sylvie Goulard","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-150","location":[["Proposal for a directive","Recital 14"]],"meps":[97137],"meta":{"created":"2019-07-03T05:16:28"},"new":["Does not affect the English version."],"old":["(14) Once national competent authorities","have determined a provisional list of the","most representative services subject to a","fee at national level together with terms","and definitions, the Commission should","review them to identify, by means of","delegated acts, the services that are","common to the majority of Member States","and propose standardised EU level terms","and definitions for them."],"orig_lang":"fr","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"150","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Astrid Lulling","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-430","justification":"the timeline of one day is too short regarding internal procedures to be followed","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 introductory part"]],"meps":[1186],"meta":{"created":"2019-07-03T05:16:28"},"new":["3. Within a reasonable time from the","receipt of the authorisation referred to in","paragraph 2, the receiving payment service","provider shall request the transferring","payment service provider to carry out the","following tasks:"],"old":["3. Within one business day from the","receipt of the authorisation referred to in","paragraph 2, the receiving payment service","","provider shall request the transferring","payment service provider to carry out the","following tasks:"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"430","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-151","location":[["Proposal for a directive","Recital 14 a (new)"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:28"},"new":["(14a) All standardised fee terminology, at","EU and national level, should be made as","clear and concise as possible."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"151","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-431","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 introductory part"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:28"},"new":["3. Within a reasonable time from the","receipt of the authorisation referred to in","paragraph 2, the receiving payment service","provider shall request the transferring","payment service provider to carry out the","following tasks:"],"old":["3. Within one business day from the","receipt of the authorisation referred to in","paragraph 2, the receiving payment service","provider shall request the transferring","payment service provider to carry out the","following tasks:"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"431","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-152","location":[["Proposal for a directive","Recital 15"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:28"},"new":["(15) In order to help consumers compare","payment account fees throughout the single","market easily, payment service providers","should provide consumers with a list of","fees charged for the services listed in the","standardised terminology at national level.","This would also contribute towards","establishing a level playing field between","credit institutions competing in the","payment account market. The fee","information document should only contain","information on the most representative","payment services in each Member State. In","order to help consumers understand the","fees they have to pay for their payment","account, a glossary providing explanations","for at least the fees and services contained","in the list should be made available to","them, upon request on a durable medium","at premises accessible to consumers and","be made available in electronic form on","Payment Service Providers websites. The","glossary should serve as a useful tool to","encourage a better understanding of the","meaning of fees, contributing towards","empowering consumers to choose from a","wider choice of payment account offers.","An obligation should also be introduced for","payment service providers to inform","consumers, at least annually, of all the fees","charged on their account. Ex-post","information should be provided in a","dedicated summary. It should provide a","complete overview of the fees incurred to","enable a consumer to understand what fee","expenditures relate to, and to assess the","need to either modify consumption patterns","or move to another provider. This benefit","would be maximised by the ex-post fee","information covering the same services as","the ex-ante information."],"old":["(15) In order to help consumers compare","payment account fees throughout the single","market easily, payment service providers","","should provide consumers with a list of","fees charged for the services listed in the","standardised terminology. This would also","contribute towards establishing a level","playing field between credit institutions","competing in the payment account market.","The fee information document should only","contain information on the most","representative payment services in each","Member State, using the terms and","definitions established at EU level where","relevant. In order to help consumers","understand the fees they have to pay for","their payment account, a glossary","providing explanations for at least the fees","and services contained in the list should be","made available to them. The glossary","should serve as a useful tool to encourage a","better understanding of the meaning of","fees, contributing towards empowering","consumers to choose from a wider choice","of payment account offers. An obligation","should also be introduced for payment","service providers to inform consumers, at","least annually, of all the fees charged on","their account. Ex-post information should","be provided in a dedicated summary. It","should provide a complete overview of the","fees incurred to enable a consumer to","understand what fee expenditures relate to,","and to assess the need to either modify","consumption patterns or move to another","provider. This benefit would be maximised","by the ex-post fee information covering the","same services as the ex-ante information."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"152","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-432","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 introductory part"]],"meps":[96836],"meta":{"created":"2019-07-03T05:16:28"},"new":["3. Within a maximum of two bank","working days from the receipt of the","authorisation referred to in paragraph 2, the","receiving payment service provider shall","request the transferring payment service","provider to carry out the following tasks:"],"old":["3. Within one business day from the","receipt of the authorisation referred to in","paragraph 2, the receiving payment service","provider shall request the transferring","payment service provider to carry out the","following tasks:"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"432","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-433","justification":" One day is too short. A bank may have to concentrate these tasks to the bank group level.","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 introductory part"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:28"},"new":["3. Within three business days from the","receipt of the authorisation referred to in","paragraph 2, the receiving payment service","provider shall request the transferring","payment service provider to carry out the","following tasks:"],"old":["3. Within one business day from the","receipt of the authorisation referred to in","paragraph 2, the receiving payment service","provider shall request the transferring","payment service provider to carry out the","following tasks:"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"433","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-153","location":[[" Proposal for a directive","Recital 15"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:28"},"new":["(15) In order to help consumers compare","payment account fees throughout the single","market easily, payment service providers","should provide consumers with a list of","fees charged for the services listed in the","standardised terminology as well as, where","applicable, all other services linked to the","account. This would also contribute","towards establishing a level playing field","between credit institutions competing in","the payment account market. The fee","information document should be based on","standardised terminology regarding the","most representative payment services in","each Member State, using the terms and","definitions established at EU level where","applicable. In order to help consumers","understand the fees they have to pay for","their payment account, a glossary","providing explanations for all fees and","services contained in the list should be","made available to them. The glossary","should serve as a useful tool to encourage a","better understanding of the meaning of","fees, contributing towards empowering","consumers to choose from a wider choice","of payment account offers. An obligation","should also be introduced for payment","service providers to inform consumers, at","least annually, of all the fees charged and","the interest earned and paid on their","account. Ex-post information should be","provided in a dedicated summary. It should","provide a complete overview of the fees","incurred and the interest earned and paid","to enable a consumer to understand what","fee expenditures and interests relate to,","and to assess the need to either modify","consumption patterns or move to another","provider. This benefit would be maximised","by the ex-post fee information covering the","same services as the ex-ante information.","To consumers who ask for it, the","statement of fees should be sent in paper","format. Otherwise, the statement could be","distributed electronically."],"old":["(15) In order to help consumers compare","payment account fees throughout the single","market easily, payment service providers","should provide consumers with a list of","fees charged for the services listed in the","standardised terminology. This would also","contribute towards establishing a level","playing field between credit institutions","competing in the payment account market.","The fee information document should only","contain information on the most","representative payment services in each","Member State, using the terms and","definitions established at EU level where","relevant. In order to help consumers","understand the fees they have to pay for","their payment account, a glossary","providing explanations for at least the fees","and services contained in the list should be","made available to them. The glossary","should serve as a useful tool to encourage a","better understanding of the meaning of","fees, contributing towards empowering","consumers to choose from a wider choice","of payment account offers. An obligation","should also be introduced for payment","service providers to inform consumers, at","least annually, of all the fees charged on","their account. Ex-post information should","be provided in a dedicated summary. It","should provide a complete overview of the","fees incurred to enable a consumer to","understand what fee expenditures relate to,","and to assess the need to either modify","consumption patterns or move to another","provider. This benefit would be maximised","by the ex-post fee information covering the","same services as the ex-ante information.",""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"153","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-434","justification":" One of the disincentives to switching is the transfer of standing orders and direct debits. By\n requiring the PSP from which the consumer is switching to redirect these automatic payments\n for 1 year + 1 month, the consumer has plenty of time to set them up with the receiving PSP","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point -a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:28"},"new":["(-a) provide for automated redirection of","the standing orders and direct debits to","the account held by the consumer with the","receiving payment service provider during","a period of 13 months;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"434","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-435","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point a"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:28"},"new":["(a) providing the consumer with a","comprehensive summary list of all existing","standing orders for credit transfers and","debtor driven direct debit mandates and","asking for confirmation for transmitting","them to the receiving payment service","provider;"],"old":["(a) transmit to the receiving payment","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer a list of all","existing standing orders for credit transfers","and debtor driven direct debit mandates;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"435","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-436","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point a"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:29"},"new":["(a) transmit to the receiving payment","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer a list of all","existing standing orders for credit transfers","and available direct debit mandates and","credit transfers with execution date from","the date specified in the authorisation;"],"old":["(a) transmit to the receiving payment","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer a list of all","existing standing orders for credit transfers","and debtor driven direct debit mandates;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"436","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-154","justification":"Weighed against the administrative costs involved, it is not clear that the terminology\nstandardisation process delivers real benefit.","location":[[" Proposal for a directive","Recital 15"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:28"},"new":["(15) In order to help consumers compare","payment account fees throughout the single","market easily, payment service providers","should provide consumers with a list of","fees charged for the services listed in the","standardised terminology at national level.","This would also contribute towards","establishing a level playing field between","credit institutions competing in the","payment account market. The fee","information document should only contain","information on the most representative","payment services in each Member State. In","order to help consumers understand the","fees they have to pay for their payment","account, a glossary providing explanations","for at least the fees and services contained","in the list should be made available to","them. The glossary should serve as a useful","tool to encourage a better understanding of","the meaning of fees, contributing towards","empowering consumers to choose from a","wider choice of payment account offers.","An obligation should also be introduced for","payment service providers to inform","consumers, at least annually, of all the fees","charged on their account. Ex-post","information should be provided in a","dedicated summary. It should provide a","complete overview of the fees incurred to","enable a consumer to understand what fee","expenditures relate to, and to assess the","need to either modify consumption patterns","or move to another provider. This benefit","would be maximised by the ex-post fee","information covering the same services as","the ex-ante information."],"old":["(15) In order to help consumers compare","payment account fees throughout the single","market easily, payment service providers","should provide consumers with a list of","fees charged for the services listed in the","standardised terminology. This would also","contribute towards establishing a level","playing field between credit institutions","competing in the payment account market.","The fee information document should only","contain information on the most","representative payment services in each","Member State, using the terms and","definitions established at EU level where","relevant. In order to help consumers","understand the fees they have to pay for","their payment account, a glossary","providing explanations for at least the fees","and services contained in the list should be","made available to them. The glossary","should serve as a useful tool to encourage a","better understanding of the meaning of","fees, contributing towards empowering","consumers to choose from a wider choice","of payment account offers. An obligation","should also be introduced for payment","service providers to inform consumers, at","least annually, of all the fees charged on","their account. Ex-post information should","be provided in a dedicated summary. It","should provide a complete overview of the","fees incurred to enable a consumer to","understand what fee expenditures relate to,","and to assess the need to either modify","","consumption patterns or move to another","provider. This benefit would be maximised","by the ex-post fee information covering the","same services as the ex-ante information."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"154","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-437","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point a"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:29"},"new":["(a) transmit to the receiving payment","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer a list of all","existing standing orders for credit transfers","and available direct debit mandates and","credit transfers with execution date from","the date specified in the authorisation;"],"old":["(a) transmit to the receiving payment","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer a list of all","existing standing orders for credit transfers","and debtor driven direct debit mandates;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"437","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-155","justification":" This level of detail for the fee information document is unnecessary for the purposes of a\n directive.","location":[["Proposal for a directive","Recital 16"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:28"},"new":["(16) To meet the needs of consumers, it is","necessary to ensure that fee information on","payment accounts is accurate, clear and","comparable."],"old":["(16) To meet the needs of consumers, it is","necessary to ensure that fee information on","payment accounts is accurate, clear and","comparable. This Directive should","therefore lay down common presentation","requirements for the fee information","document and the statement of fees, in","order to ensure that they are","understandable and comparable for","consumers. The same format, order of","items and headings should be followed for","every fee information document and","statement of fees in each Member State,","allowing consumers to compare the two","documents, thereby maximising","understanding and use of the","information. The fee information","document and statement of fees should be","clearly distinguishable from other","communications. They should be","identified by a common symbol."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"155","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Astrid Lulling","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-438","justification":" the proposal must take into account the new SEPA scheme","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point a"]],"meps":[1186],"meta":{"created":"2019-07-03T05:16:29"},"new":["(a) transmit to the receiving payment","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer a list of all","existing standing orders for credit transfers;"],"old":["(a) transmit to the receiving payment","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer a list of all","existing standing orders for credit transfers","and debtor driven direct debit mandates;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"438","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-156","location":[[" Proposal for a directive","Recital 16"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:29"},"new":["(16) To meet the needs of consumers, it is","necessary to ensure that fee information on","payment accounts is accurate, clear and","comparable."],"old":["(16) To meet the needs of consumers, it is","necessary to ensure that fee information on","payment accounts is accurate, clear and","comparable. This Directive should","therefore lay down common presentation","requirements for the fee information","document and the statement of fees, in","order to ensure that they are","understandable and comparable for","consumers. The same format, order of","items and headings should be followed for","every fee information document and","statement of fees in each Member State,","allowing consumers to compare the two","documents, thereby maximising","understanding and use of the","information. The fee information","document and statement of fees should be","clearly distinguishable from other","communications. They should be","identified by a common symbol."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"156","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-439","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point a"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:29"},"new":["(a) transmit to the receiving payment","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer a list of all","existing standing orders for credit transfers","and debtor driven direct debit mandates","known to the payment service provider;"],"old":["(a) transmit to the receiving payment","","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer a list of all","existing standing orders for credit transfers","and debtor driven direct debit mandates;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"439","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-157","justification":"Weighed against the administrative costs involved, it is not clear that the terminology\nstandardisation process delivers real benefit.","location":[[" Proposal for a directive","Recital 17"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:29"},"new":["deleted"],"old":["(17) In order to ensure the consistent use","of applicable EU level terminology across","the Union, Member States should","establish an obligation for payment","service providers to use the applicable EU","level terminology together with the","remaining national standardised","terminology identified in the provisional","list when communicating with consumers,","including in the fee information","document and the statement of fees.","Except for in the fee information","document and statement of fees, payment","service providers may use brand names to","denote services."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"157","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-440","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point b"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:29"},"new":["(b) if specifically requested by the","consumer pursuant to paragraph 2,","transmit to the receiving payment service","provider and to the consumer the available","information about incoming credit transfers","and creditor driven direct debits executed","on the consumer's account in the previous","13 months;"],"old":["(b) transmit to the receiving payment","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer the available","information about incoming credit transfers","and creditor driven direct debits executed","on the consumer's account in the previous","13 months;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"440","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-441","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point b"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:29"},"new":["(b) transmit to the receiving payment","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer the available","information about incoming credit transfers","and creditor driven direct debits executed","on the consumer's account in the previous","13 months; the information shall be","provided by the transferring payment","service provider to the consumer only if","the information has not already been","provided to the consumer by the","transferring payment services provider, by","law;"],"old":["(b) transmit to the receiving payment","service provider and, if specifically","requested by the consumer pursuant to","paragraph 2, to the consumer the available","information about incoming credit transfers","and creditor driven direct debits executed","on the consumer's account in the previous","13 months;",""],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"441","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-158","location":[["Proposal for a directive","Recital 17"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:29"},"new":["deleted"],"old":["(17) In order to ensure the consistent use","of applicable EU level terminology across","the Union, Member States should","establish an obligation for payment","service providers to use the applicable EU","level terminology together with the","remaining national standardised","terminology identified in the provisional","list when communicating with consumers,","including in the fee information","document and the statement of fees.","","","Except for in the fee information","document and statement of fees, payment","service providers may use brand names to","denote services."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"158","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-442","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point c"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:29"},"new":["(c) transmit to the receiving payment","service provider any additional information","deemed necessary by the receiving","payment service provider to perform the","switch, on condition that such","transmission is compatible with existing","data protection requirements;"],"old":["(c) transmit to the receiving payment","service provider any additional information","deemed necessary by the receiving","payment service provider to perform the","switch;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"442","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-443","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point c"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:29"},"new":["(c) transmit to the receiving payment","service provider any relevant information","deemed necessary by the receiving","payment service provider to perform the","switch;"],"old":["(c) transmit to the receiving payment","service provider any additional","information deemed necessary by the","receiving payment service provider to","perform the switch;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"443","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-159","location":[[" Proposal for a directive","Recital 17"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:29"},"new":["(17) In order to ensure the consistent use of","applicable EU level terminology across the","Union, Member States should establish an","obligation for payment service providers to","use the EU standardised list when","communicating with consumers, including","in the fee information document and the","statement of fees. Payment service","providers may use brand names to denote","services."],"old":["(17) In order to ensure the consistent use of","applicable EU level terminology across the","Union, Member States should establish an","obligation for payment service providers to","use the applicable EU level terminology","together with the remaining national","standardised terminology identified in the","provisional list when communicating with","consumers, including in the fee","information document and the statement of","fees. Except for in the fee information","document and statement of fees, payment","service providers may use brand names to","denote services."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"159","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-444","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point c"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:29"},"new":["(c) transmit to the receiving payment","service provider relevant information","deemed necessary by the receiving","payment service provider to perform the","switch;"],"old":["(c) transmit to the receiving payment","service provider any additional","information deemed necessary by the","receiving payment service provider to","perform the switch;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"444","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-160","location":[[" Proposal for a directive","Recital 17"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:29"},"new":["(17) In order to ensure the consistent use of","applicable EU level terminology across the","Union, Member States should establish an","obligation for payment service providers to","use the national standardised terminology","identified in the provisional list when","communicating with consumers, including","in the fee information document and the","statement of fees. In the fee information","document and statement of fees, payment","service providers may in addition also use","brand names to denote services."],"old":["(17) In order to ensure the consistent use of","applicable EU level terminology across the","Union, Member States should establish an","obligation for payment service providers to","","use the applicable EU level terminology","together with the remaining national","standardised terminology identified in the","provisional list when communicating with","consumers, including in the fee","information document and the statement of","fees. Except for in the fee information","document and statement of fees, payment","service providers may use brand names to","denote services."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"160","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-445","justification":"PSPs have an incentive to make switching away from them less easy. Not providing an\nautomatic redirection of automated payments is one way to do this. See also Green AM on\nArticle 10-3.-a.","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point d"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:29"},"new":["deleted"],"old":["(d) where the transferring payment","service provider does not provide a system","for automated redirection of the standing","orders and direct debits to the account","held by the consumer with the receiving","payment service provider, cancel standing","orders and stop accepting direct debits on","the date specified in the authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"445","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Astrid Lulling","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-446","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point d"]],"meps":[1186],"meta":{"created":"2019-07-03T05:16:29"},"new":["deleted"],"old":["(d) where the transferring payment","service provider does not provide a system","for automated redirection of the standing","orders and direct debits to the account","held by the consumer with the receiving","payment service provider, cancel standing","orders and stop accepting direct debits on","the date specified in the authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"446","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-161","location":[["Proposal for a directive","Recital 17"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:29"},"new":["(17) In order to ensure the consistent use of","applicable EU level terminology across the","Union, Member States should establish an","obligation for payment service providers to","use the applicable EU level terminology","together with the remaining national","standardised terminology identified in the","provisional list when communicating with","consumers, including in the fee","information document, the statement of","fees and contractual information. In","commercial information, payment service","providers may use brand names to denote","services as long as the corresponding","terms standardised at the EU and national","level, where applicable, are clearly","identified."],"old":["(17) In order to ensure the consistent use of","applicable EU level terminology across the","Union, Member States should establish an","obligation for payment service providers to","use the applicable EU level terminology","together with the remaining national","standardised terminology identified in the","provisional list when communicating with","consumers, including in the fee","information document and the statement of","fees. Except for in the fee information","document and statement of fees, payment","service providers may use brand names to","denote services."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"161","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-447","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point d"]],"meps":[96836],"meta":{"created":"2019-07-03T05:16:29"},"new":["(d) where the transferring payment service","provider does not provide a system for","automated redirection of the standing","orders and direct debits to the account held","by the consumer with the receiving","payment service provider, cancel standing","orders and stop accepting direct debits on","the date specified in the authorisation, but","at the earliest from the day of execution,","which allows a lead time of five bank","working days from receipt of the request","by the transferring payment service","provider;"],"old":["(d) where the transferring payment service","provider does not provide a system for","automated redirection of the standing","orders and direct debits to the account held","by the consumer with the receiving","payment service provider, cancel standing","orders and stop accepting direct debits on","the date specified in the authorisation;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"447","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-162","justification":" The scope of this Directive should not extend to comparison websites, which cover much more\n than just payment accounts.","location":[[" Proposal for a directive","Recital 18"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:29"},"new":["deleted"],"old":["(18) Comparison websites are an effective","means for consumers to assess the merits","of different payment account offers in a","single space. They can provide the right","balance between the need for information","to be clear and concise, yet complete and","comprehensive, by enabling users to","obtain more detailed information where","this is of interest to them. They can also","reduce search costs as consumers will not","need to collect information separately","from payment service providers."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"162","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-448","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point d"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:29"},"new":["(d) where the transferring payment service","provider does not provide a system for","automated redirection of the incoming","credit transfer and direct debits to the","account held by the consumer with the","receiving payment service provider, stop","incoming credit transfers and stop","accepting direct debits from the date","specified in the authorisation;"],"old":["(d) where the transferring payment service","provider does not provide a system for","automated redirection of the standing","orders and direct debits to the account held","by the consumer with the receiving","payment service provider, cancel standing","orders and stop accepting direct debits on","the date specified in the authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"448","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-163","justification":"The scope of this Directive should not extend to comparison websites, which cover much more\nthan just payment accounts.","location":[[" Proposal for a directive","Recital 19"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:29"},"new":["deleted"],"old":["(19) In order to obtain impartial","information on bank fees, consumers","should be able to access comparison","websites which are operationally","independent from payment service","providers. Member States should","therefore ensure that at least one such","website is available to consumers in their","respective territories. Such comparison","websites may be operated by competent","authorities, other public authorities","and/or accredited private operators.","","","Member States should establish a","voluntary accreditation scheme allowing","private operators of comparison websites","to apply for accreditation in accordance","with specified quality criteria. A","comparison website operated by a","competent authority or other public","authority should be established where a","privately operated website has not been","accredited. Such websites should also","comply with the quality criteria."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"163","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-449","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point d"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:29"},"new":["(d) where the transferring payment service","provider does not provide a system for","automated redirection of the incoming","credit transfer and direct debits to the","account held by the consumer with the","receiving payment service provider, stop","incoming credit transfers and stop","accepting direct debits from the date","specified in the authorisation;"],"old":["(d) where the transferring payment service","provider does not provide a system for","automated redirection of the standing","orders and direct debits to the account held","by the consumer with the receiving","payment service provider, cancel standing","orders and stop accepting direct debits on","the date specified in the authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"449","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-164","location":[["Proposal for a directive","Recital 19"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:29"},"new":["(19) In order to obtain impartial","information on fees charged and interest","rates applied on payment accounts,","consumers should have free of charge","access to comparison websites which are","financially and operationally independent","from payment service providers. Member","States should therefore ensure that at least","one such website is available to consumers","in their respective territories. Such","comparison websites may be operated by","competent authorities, other public","authorities and/or accredited private","operators. Member States should establish","a voluntary accreditation scheme allowing","private operators of comparison websites to","apply for accreditation in accordance with","specified quality criteria. A comparison","website operated by a competent authority","or other public authority should be","established where a privately operated","website has not been accredited. Such","websites should also comply with the","quality criteria. In order for consumers to","get easy access to comparison websites","also in other Member States, a Union web","portal containing links to all national","level websites should be established."],"old":["(19) In order to obtain impartial","information on bank fees, consumers","should be able to access comparison","websites which are operationally","independent from payment service","providers. Member States should therefore","ensure that at least one such website is","available to consumers in their respective","territories. Such comparison websites may","be operated by competent authorities, other","public authorities and/or accredited private","operators. Member States should establish","a voluntary accreditation scheme allowing","private operators of comparison websites to","apply for accreditation in accordance with","specified quality criteria. A comparison","website operated by a competent authority","or other public authority should be","","established where a privately operated","website has not been accredited. Such","websites should also comply with the","quality criteria."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"164","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-450","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point e"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:30"},"new":["(e) where the consumer gave specific","consent pursuant to paragraph 2, transfer","any remaining positive balance to the","account opened or held with the receiving","payment service provider on the date","specified by the consumer, or collect the","amount of a negative balance from the","account opened or held with the receiving","payment service provider, where the","consumer gave consent and does not","intend to transfer this amount to the","transferring payment service provider in","some other form; and"],"old":["(e) where the consumer gave specific","consent pursuant to paragraph 2, transfer","any remaining positive balance to the","account opened or held with the receiving","payment service provider on the date","specified by the consumer; and"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"450","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-165","location":[[" Proposal for a directive","Recital 19"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:29"},"new":["(19) In order to obtain impartial","information on bank fees, consumers","should be able to access comparison","websites which are operationally","independent from payment service","providers. Member States should therefore","ensure that at least one such website is","available to consumers in their respective","territories. Such comparison websites may","be operated by competent authorities, other","public authorities and/or accredited private","operators. Member States should establish","a voluntary accreditation scheme allowing","private operators of comparison websites to","apply for accreditation in accordance with","specified quality criteria. A comparison","website operated by a competent authority","or other public authority should be","established where a privately operated","website has not been accredited. Such","websites should also comply with the","quality criteria. In order to facilitate the","overview of fees charged by payment","services providers in the European Union,","the European Commission shall establish","an up-to-date, independent, accurate,","reliable and consumer-friendly portal","providing all links to the accredited","comparison websites in the respective","Member States."],"old":["(19) In order to obtain impartial","information on bank fees, consumers","should be able to access comparison","websites which are operationally","independent from payment service","providers. Member States should therefore","ensure that at least one such website is","available to consumers in their respective","territories. Such comparison websites may","be operated by competent authorities, other","public authorities and/or accredited private","operators. Member States should establish","a voluntary accreditation scheme allowing","private operators of comparison websites to","apply for accreditation in accordance with","specified quality criteria. A comparison","website operated by a competent authority","or other public authority should be","established where a privately operated","website has not been accredited. Such","websites should also comply with the","quality criteria.",""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"165","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-451","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point f"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:30"},"new":["(f) where the consumer gave specific","consent pursuant to paragraph 2, close the","account held with the transferring payment","service provider on the date specified by","the consumer or - if closure on the","specified date is not possible - on the next","possible date after the tasks under","paragraph 3(d) and (e) have been","performed, unless circumstances in need","of clarification or regulation (e.g.","negative balance) have arisen in respect","of which the transferring payment service","provider will contact the consumer."],"old":["(f) where the consumer gave specific","consent pursuant to paragraph 2, close the","account held with the transferring payment","service provider on the date specified by","the consumer."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"451","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-166","justification":" It should be clarified that there is a difference between accounts that offer a range of services\n and accounts that are packaged together with other financial services like insurance. In the\n latter case, it is not possible to unbundle the services. A requirement should be introduced, if\n this is the case, to ensure that the PSP alerts the consumer to the costs involved in opening a\n packaged payment account and has checked whether the customer is eligible for the packaged\n product.","location":[["Proposal for a directive","Recital 20"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:29"},"new":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","Therefore, Member States should ensure","that when payment service providers offer","payment accounts packaged with other","financial services consumers are provided","with information on the applicable fees for","the payment account and for each other","financial service included in the package","separately, where it is possible for","consumers to buy the payment account","and the bundled services separately."],"old":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","Therefore, Member States should ensure","that when payment service providers offer","packaged payment accounts consumers are","provided with information on the","applicable fees for the payment account","and for each other financial service","included in the package separately. These","obligations should not apply to services","which are naturally connected to the use","","of the payment account, such as","withdrawals, wire transfers or payment","cards. As a result, these services should be","excluded from the scope of this provision."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"166","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-452","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point f"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:30"},"new":["(f) where the consumer gave specific","consent pursuant to paragraph 2, close the","account held with the transferring payment","service provider on the date specified by","the consumer or \u2013 if closure on the","specified date is not possible \u2013 on the next","possible date after the tasks under","paragraph 3 (d) and (e) have been","performed, unless circumstances in need","of clarification or regulation (e.g.","negative balance or cards have not been","returned) have arisen in respect of which","the transferring payment service provider","will contact the consumer;","."],"old":["(f) where the consumer gave specific","consent pursuant to paragraph 2, close the","account held with the transferring payment","service provider on the date specified by","the consumer."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"452","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-167","location":[[" Proposal for a directive","Recital 20"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:29"},"new":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","Therefore, Member States should ensure","that when payment service providers offer","packaged payment accounts consumers are","provided with information on the","applicable fees for the payment account","and for each other financial service","included in the package separately."],"old":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","","Therefore, Member States should ensure","that when payment service providers offer","packaged payment accounts consumers are","provided with information on the","applicable fees for the payment account","and for each other financial service","included in the package separately. These","obligations should not apply to services","which are naturally connected to the use","of the payment account, such as","withdrawals, wire transfers or payment","cards. As a result, these services should be","excluded from the scope of this provision."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"167","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-453","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point f a (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:30"},"new":["(fa) cancel standing orders and credit","transfers with execution date from the","date specified in the authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"453","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Schmidt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-168","location":[["Proposal for a directive","Recital 20"]],"meps":[4274],"meta":{"created":"2019-07-03T05:16:29"},"new":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","Therefore, Member States should ensure","that when payment service providers offer","packaged payment accounts consumers are","provided with information whether it is","possible to buy the components of the","package separately and, if so shall provide","information of the costs and charges of","each financial service included in the","package separately. These obligations","should not apply to services which are","naturally connected to the use of the","payment account, such as withdrawals,","wire transfers or payment cards. As a","result, these services should be excluded","from the scope of this provision."],"old":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","Therefore, Member States should ensure","","that when payment service providers offer","packaged payment accounts consumers are","provided with information on the","applicable fees for the payment account","and for each other financial service","included in the package separately. These","obligations should not apply to services","which are naturally connected to the use of","the payment account, such as withdrawals,","wire transfers or payment cards. As a","result, these services should be excluded","from the scope of this provision."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"168","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-454","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point f a (new)"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:30"},"new":["(fa) cancel standing orders and credit","transfers with execution date from the","date specified in the authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"454","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-169","location":[[" Proposal for a directive","Recital 20"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:30"},"new":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","Therefore, Member States should ensure","that when payment service providers offer","packaged payment accounts consumers are","provided with information on the","applicable fees for the payment account","and for each other financial service","included in the package separately. These","obligations should not apply to services","which are naturally connected to the use of","the payment account, such as withdrawals,","wire transfers or payment cards. As a","result, these services and the acquisition of","membership of a cooperative in","accordance with statutes should be","excluded from the scope of this individual","provision."],"old":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","","Therefore, Member States should ensure","that when payment service providers offer","packaged payment accounts consumers are","provided with information on the","applicable fees for the payment account","and for each other financial service","included in the package separately. These","obligations should not apply to services","which are naturally connected to the use of","the payment account, such as withdrawals,","wire transfers or payment cards. As a","result, these services should be excluded","from the scope of this provision."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"169","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-455","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point a"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:30"},"new":["(a) set up within seven business days the","standing orders for credit transfers","mandated by the consumer and execute","them from the date specified in the","authorisation and credit transfers with","execution date from the date specified in","the authorisation; the seven business days","should only start to count after the","payment account with the receiving","payment service provider has been","established or opened and the consumer","has provided all necessary information to","the transferring payment service provider","to start the switching process;"],"old":["(a) set up within seven calendar days the","standing orders for credit transfers","requested by the consumer and execute","them from the date specified in the","authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"455","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-170","justification":" Such a requirement would come at huge cost and risk, with little obvious benefit given the low\n level of demand for such a cross border service. Cross-border transactions will also be\n facilitated by the implementation of Regulation 260/2012.","location":[["Proposal for a directive","Recital 21"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:30"},"new":["(21) Consumers are only incentivised to","switch accounts if the process does not","entail an excessive administrative and","financial burden. The procedure for","switching payment accounts to another","payment service provider should be clear","and quick. The fees, if any, charged by","payment service providers in relation to the","switching service should be in line with the","actual cost incurred by payment service","providers. Consumers are only","incentivised to switch accounts if the","process does not entail an excessive","administrative and financial burden. The","procedure for switching payment accounts","to another payment service provider","should be clear and quick. The fees, if","any, charged by payment service providers","in relation to the switching service should","be in line with the actual cost incurred by","payment service providers. Moreover, the","offering of such services will be","challenging as technical standards,","business rules and legal requirements","between the payment schemes of the EU","Member States are different. In addition,","Regulation 260/2012 that will enter into","force as from 1 February 2014 will make","such services obsolete for consumers that","move within the Eurozone. For those","consumers moving between a Eurozone","country and a non-Eurozone country,","multi-banking is a very commonly used","practice. It allows consumers to open a","new account while at the same time","maintaining their old account, or only","closing it if all their obligations with local","providers have been ended."],"old":["(21) Consumers are only incentivised to","switch accounts if the process does not","entail an excessive administrative and","financial burden. The procedure for","switching payment accounts to another","payment service provider should be clear","and quick. The fees, if any, charged by","payment service providers in relation to the","switching service should be in line with the","actual cost incurred by payment service","providers. In order to have positive impact","on competition, switching should also be","facilitated at cross-border level. Given","that switching cross-border could be more","complex than the switching at national","level and may require payment service","providers to adapt and refine their","internal procedures, longer deadlines for","the cross-border switch should be","","foreseen. The need to maintain different","deadlines should be evaluated in the","context of the review of the proposed","Directive."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"170","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-456","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point a"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:30"},"new":["(a) set up within seven business days the","standing orders for credit transfers","mandated by the consumer and execute","them from the date specified in the","authorisation and set up credit transfers","with execution date from the date","specified in the authorisation; the seven","business days should only start to count","after the payment account with the","receiving payment service provider has","been established or opened and the","consumer has provided all necessary","information to the transferring payment","service provider to start the switching","process;"],"old":["(a) set up within seven calendar days the","standing orders for credit transfers","requested by the consumer and execute","them from the date specified in the","authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"456","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-457","justification":"For the purposes of national switching schemes, the requirement should be termed in business\ndays, not calendar days, given that banks are not open at the weekend.","location":[["Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point a"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:30"},"new":["(a) set up within seven business days the","standing orders for credit transfers","requested by the consumer and execute","them from the date specified in the","authorisation;"],"old":["(a) set up within seven calendar days the","standing orders for credit transfers","requested by the consumer and execute","them from the date specified in the","authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"457","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-171","location":[[" Proposal for a directive","Recital 21"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:30"},"new":["(21) Consumers are only incentivised to","switch accounts if the process does not","entail an excessive administrative and","financial burden. The procedure for","switching payment accounts to another","payment service provider should be clear","and quick. The fees, if any, charged by","payment service providers in relation to the","switching service should be in line with the","actual cost incurred by payment service","providers."],"old":["(21) Consumers are only incentivised to","switch accounts if the process does not","entail an excessive administrative and","financial burden. The procedure for","switching payment accounts to another","payment service provider should be clear","and quick. The fees, if any, charged by","payment service providers in relation to the","switching service should be in line with the","","actual cost incurred by payment service","providers. In order to have positive impact","on competition, switching should also be","facilitated at cross-border level. Given","that switching cross-border could be more","complex than the switching at national","level and may require payment service","providers to adapt and refine their","internal procedures, longer deadlines for","the cross-border switch should be","foreseen. The need to maintain different","deadlines should be evaluated in the","context of the review of the proposed","Directive."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"171","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson, Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-458","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point a"]],"meps":[96673,1913],"meta":{"created":"2019-07-03T05:16:30"},"new":["(a) set up within seven business days the","standing orders for credit transfers","requested by the consumer and execute","them from the date specified in the","authorisation;"],"old":["(a) set up within seven calendar days the","standing orders for credit transfers","requested by the consumer and execute","them from the date specified in the","authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"458","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-172","location":[["Proposal for a directive","Recital 21"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:30"},"new":["(21) Consumers are only incentivised to","switch accounts if the process does not","entail an excessive administrative and","financial burden. The procedure for","switching payment accounts to another","payment service provider should be clear,","quick and inexpensive. In order to have","positive impact on competition, switching","should also be facilitated at cross-border","level. Given that switching cross-border","could be more complex than the switching","at national level and may require payment","service providers to adapt and refine their","internal procedures, longer deadlines for","the cross-border switch should be foreseen.","The need to maintain different deadlines","should be evaluated in the context of the","review of the proposed Directive."],"old":["(21) Consumers are only incentivised to","switch accounts if the process does not","entail an excessive administrative and","financial burden. The procedure for","switching payment accounts to another","payment service provider should be clear","and quick. The fees, if any, charged by","payment service providers in relation to","the switching service should be in line","with the actual cost incurred by payment","service providers. In order to have positive","impact on competition, switching should","also be facilitated at cross-border level.","Given that switching cross-border could be","more complex than the switching at","national level and may require payment","service providers to adapt and refine their","internal procedures, longer deadlines for","the cross-border switch should be foreseen.","The need to maintain different deadlines","should be evaluated in the context of the","","review of the proposed Directive."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"172","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-459","justification":" Only business days are relevant from processing point of view.","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point a"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:30"},"new":["(a) set up within seven business days the","standing orders for credit transfers","requested by the consumer and execute","them from the date specified in the","authorisation;"],"old":["(a) set up within seven calendar days the","standing orders for credit transfers","requested by the consumer and execute","them from the date specified in the","authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"459","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-173","location":[[" Proposal for a directive","Recital 21"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:30"},"new":["(21) Consumers are only incentivised to","switch accounts if potential benefits do not","outweigh perceived risks and if the","process does not entail an excessive","administrative and financial burden. The","procedure for switching payment accounts","to another payment service provider should","be clear and quick. The fees, if any,","charged by payment service providers in","relation to the switching service should be","in line with the actual cost incurred by","payment service providers. In order to have","positive impact on competition, switching","should also be facilitated at cross-border","level. Given that switching cross-border","could be more complex than the switching","at national level and may require payment","service providers to adapt and refine their","internal procedures, longer deadlines for","the cross-border switch should be foreseen.","The need to maintain different deadlines","should be evaluated in the context of the","review of the proposed Directive."],"old":["(21) Consumers are only incentivised to","switch accounts if the process does not","entail an excessive administrative and","financial burden. The procedure for","switching payment accounts to another","payment service provider should be clear","and quick. The fees, if any, charged by","payment service providers in relation to the","switching service should be in line with the","actual cost incurred by payment service","providers. In order to have positive impact","on competition, switching should also be","facilitated at cross-border level. Given that","switching cross-border could be more","complex than the switching at national","level and may require payment service","providers to adapt and refine their internal","procedures, longer deadlines for the cross-","border switch should be foreseen. The need","to maintain different deadlines should be","evaluated in the context of the review of","the proposed Directive."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"173","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Catherine Stihler","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-460","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point a"]],"meps":[4545],"meta":{"created":"2019-07-03T05:16:30"},"new":["(a) set up within seven business days the","standing orders for credit transfers","requested by the consumer and execute","them from the date specified in the","authorisation;"],"old":["(a) set up within seven calendar days the","standing orders for credit transfers","requested by the consumer and execute","them from the date specified in the","authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"460","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-174","justification":"There are a range of member state initiatives either in development or already implemented.\nThis directive should therefore be minimum harmonisation.","location":[[" Proposal for a directive","Recital 22"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:30"},"new":["(22) The switching process should be as","straightforward as possible for the","consumer. Accordingly Member States","should ensure that the receiving payment","service provider is responsible for initiating","and managing the process on behalf of the","consumer. The requirements of this","Directive relating to the provision of the","switching service can be complied with","through law, self-regulation or voluntary","agreement."],"old":["(22) The switching process should be as","straightforward as possible for the","consumer. Accordingly Member States","should ensure that the receiving payment","service provider is responsible for initiating","and managing the process on behalf of the","consumer."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"174","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-461","location":[["Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point b"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:30"},"new":["(b) after the payment account with the","receiving payment service provider has","been opened, accept direct debits from the","date specified in the authorisation subject","to the condition of compatibility with the","payment systems of the receiving payment","service provider;"],"old":["(b) accept direct debits from the date","specified in the authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"461","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-175","location":[["Proposal for a directive","Recital 22"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:30"},"new":["(22) The switching process should be as","straightforward as possible for the","consumer. Accordingly Member States","should ensure that the receiving payment","service provider is responsible for initiating","and managing the process on behalf of the","consumer. The requirements of this","Directive relating to the provision of the","switching service can be complied with","through law, self-regulation or voluntary","agreement."],"old":["(22) The switching process should be as","straightforward as possible for the","consumer. Accordingly Member States","should ensure that the receiving payment","service provider is responsible for initiating","and managing the process on behalf of the","consumer."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"175","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-462","location":[["Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point b"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:30"},"new":["(b) after the payment account with the","receiving payment service provider has","been opened, accept direct debits from the","date specified in the authorisation;"],"old":["(b) accept direct debits from the date","specified in the authorisation;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"462","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-176","location":[[" Proposal for a directive","Recital 22 a (new)"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:30"},"new":["(22a) Regarding switching between","domestic payment service providers,","Member States should be allowed to","uphold or lay down rules that deviate","slightly from those outlined in this","Directive as long as this entails","efficiencies that are clearly in the interest","of the consumer."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"176","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-463","justification":" In support of Rapporteur AM 77 (also recommended by BEUC) - ensures that consumers\n know that they can give their bank instructions concerning the direct debits","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point b a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:30"},"new":["(ba) where relevant, inform the consumer","about his rights in relation to SEPA direct","debits provided for by Article 5(3)(d) of","Regulation 260/2012/EC;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"463","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-177","location":[[" Proposal for a directive","Recital 24"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:30"},"new":["(24) The co-operation of the transferring","payment service provider is necessary for","the switch to be successful. The receiving","payment service provider should be","provided by the transferring payment","service provider with all the information it","considers necessary to reinstate the","recurrent payments on the new payment","account, which should be supplied in","accordance with existing data protection","requirements. However, such information","should not exceed what is necessary to","carry out the switch and the receiving","payment service provider should not ask","for superfluous information."],"old":["(24) The co-operation of the transferring","payment service provider is necessary for","the switch to be successful. The receiving","payment service provider should be","provided by the transferring payment","service provider with all the information it","considers necessary to reinstate the","recurrent payments on the new payment","account. However, such information","should not exceed what is necessary to","carry out the switch and the receiving","payment service provider should not ask","for superfluous information."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"177","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-464","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point c"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:31"},"new":["deleted"],"old":["(c) where the consumer gave specific","consent pursuant to paragraph 2, inform","payers making recurrent credit transfers","into a consumer's payment account of the","details of the consumer's account with the","receiving payment provider. If the","receiving payment service provider does","not have all the information it needs to","inform the payer, it shall ask the","consumer or the transferring payment","service provider to provide the missing","information;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"464","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-178","location":[["Proposal for a directive","Recital 27"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:30"},"new":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. Member States shall ensure that the","exercise of the right is not made","excessively difficult or burdensome for the","consumer."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest","possible access to such accounts,","consumers should have access to them","irrespective of their financial","circumstances, such as unemployment or","personal bankruptcy, and of their place of","residence. Moreover, the right to access a","payment account with basic features in","any Member State should be granted in","conformity with the requirements set out","in Directive 2005/60/EC of the European","Parliament and of the Council of 26","October 2005 on the prevention of the use","of the financial system for the purpose of","money laundering and terrorist financing,","in particular with regard to customer due","diligence procedures."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"178","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-465","location":[["Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point c"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:31"},"new":["(c) where the consumer gave specific","consent pursuant to paragraph 2, inform","payers making;"],"old":["(c) where the consumer gave specific","consent pursuant to paragraph 2, inform","payers making recurrent credit transfers","into a consumer's payment account of the","details of the consumer's account with the","receiving payment provider. If the","receiving payment service provider does","not have all the information it needs to","inform the payer, it shall ask the","consumer or the transferring payment","service provider to provide the missing","information;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"465","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Schmidt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-179","location":[["Proposal for a directive","Recital 27"]],"meps":[4274],"meta":{"created":"2019-07-03T05:16:30"},"new":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances and of their place","of residence. Today, it is necessary to have","access to a bank account to enable","effective and full participation in the","financial and social community.","Consumers without a bank account are","forced to use cash which not only restricts","their choice of payment methods and","serves to exclude them from electronic","transactions, but is also more expensive.","Moreover, the right to access a payment","account with basic features in any Member","State should be granted in conformity with","the requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing , in","particular with regard to customer due","diligence procedures."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy,","and of their place of residence. Moreover,","the right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing , in","particular with regard to customer due","diligence procedures."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"179","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" J\u00fcrgen Klute","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-180","location":[[" Proposal for a directive","Recital 27"]],"meps":[96769],"meta":{"created":"2019-07-03T05:16:30"},"new":["(27) Consumers who are legally resident in","the Union and who do not use a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. All provisions of this directive","regarding transparency and comparability","of fees and switching also apply to","payment accounts with basic features.","Member States should further ensure that","switching from and to a payment account","with basic features should be possible for","the consumer. In order to ensure the","widest possible access to such accounts,","consumers should have access to them","irrespective of their financial","circumstances, such as unemployment or","personal bankruptcy, and of their place of","residence."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest","possible access to such accounts,","consumers should have access to them","irrespective of their financial","circumstances, such as unemployment or","personal bankruptcy, and of their place of","","residence. Moreover, the right to access a","payment account with basic features in any","Member State should be granted in","conformity with the requirements set out","in Directive 2005/60/EC of the European","Parliament and of the Council of 26","October 2005 on the prevention of the use","of the financial system for the purpose of","money laundering and terrorist financing,","in particular with regard to customer due","diligence procedures."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"180","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-466","location":[["Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point c"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:31"},"new":["(c) where the consumer gave specific","consent pursuant to paragraph 2, inform","payers making recurrent credit transfers","into a consumer's payment account of the","details of the consumer's account with the","receiving payment provider. If the","receiving payment service provider does","not have all the information it needs to","inform the payer, it may ask the consumer","to provide the missing information;"],"old":["(c) where the consumer gave specific","consent pursuant to paragraph 2, inform","payers making recurrent credit transfers","into a consumer's payment account of the","details of the consumer's account with the","receiving payment provider. If the","receiving payment service provider does","not have all the information it needs to","inform the payer, it shall ask the consumer","or the transferring payment service","provider to provide the missing","information;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"466","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-181","justification":" In view of anti-money laundering requirements and protections against fraud, a consumer\n must demonstrate a need for the opening of a payment account in another country.","location":[["Proposal for a directive","Recital 27"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:30"},"new":["(27) Consumers who have previously been","denied access to a basic payment account,","are resident in and can justify a sufficient","relationship with the Member State of the","PSP where they apply for access to a","payment account with basic features","should be in a position to open and use a","payment account with basic features in that","Member State. In order to ensure the","widest possible access to such accounts,","consumers should have access to them","irrespective of their financial","circumstances, such as unemployment or","personal bankruptcy. Moreover, the right to","access a payment account with basic","features in any Member State should be","granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing, in","particular with regard to customer due","diligence procedures."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy,","and of their place of residence. Moreover,","the right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing, in","particular with regard to customer due","diligence procedures.",""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"181","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-467","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point d"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:31"},"new":["deleted"],"old":["(d) where the consumer gave specific","consent pursuant to paragraph 2, inform","payees using a direct debit to collect funds","from the consumer's account of the","details of the consumer's account with the","receiving payment service provider and","the date from which direct debits shall be","collected from that account. If the","receiving payment service provider does","not have all the information it needs to","inform the payee, it shall ask the","consumer or the transferring payment","service provider to provide the missing","information;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"467","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-182","location":[[" Proposal for a directive","Recital 27"]],"meps":[96997],"meta":{"created":"2019-07-03T05:16:30"},"new":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in the Union should be in a","position to open and use a payment account","with basic features in the State in which","they have their habitual residence. In","order to ensure the widest possible access","to such accounts, consumers should have","access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy, and","of their place of residence. Personal ties,","in the form of a centre of interests or","place of work of study, with the particular","Member State and with the area of","operation of the payment service provider","must be proved by the consumer.","Moreover, the right to access a payment","account with basic features in any Member","State should be granted in conformity with","the requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing, in","particular with regard to customer due","diligence procedures."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy, and","of their place of residence. Moreover, the","right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing, in","particular with regard to customer due","diligence procedures."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"182","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-468","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point d"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:31"},"new":["deleted"],"old":["(d) where the consumer gave specific","consent pursuant to paragraph 2, inform","payees using a direct debit to collect funds","from the consumer's account of the","details of the consumer's account with the","receiving payment service provider and","the date from which direct debits shall be","collected from that account. If the","receiving payment service provider does","","not have all the information it needs to","inform the payee, it shall ask the","consumer or the transferring payment","service provider to provide the missing","information;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"468","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-183","location":[["Proposal for a directive","Recital 27"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:30"},"new":["(27) Consumers who are legally resident in","the Union, who can justify a genuine link","with the Member State of the Payment","Service provider, and who do not hold a","payment account in a certain Member State","should be in a position to open and use a","payment account with basic features in that","Member State. Consumers should have","access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy, and","of their place of residence. Consumers","should be required to attend in person at","an office of the payment service provider","in the Member State of their choosing.","Member States shall ensure that the","exercise of the right is not made","excessively difficult or burdensome for the","consumer. Moreover, the right to access a","payment account with basic features in any","Member State should be granted in","conformity with the requirements set out in","Directive 2005/60/EC of the European","Parliament and of the Council of 26","October 2005 on the prevention of the use","of the financial system for the purpose of","money laundering and terrorist financing,","in particular with regard to customer due","diligence procedures."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest","possible access to such accounts,","consumers should have access to them","irrespective of their financial","circumstances, such as unemployment or","personal bankruptcy, and of their place of","residence. Moreover, the right to access a","payment account with basic features in any","Member State should be granted in","conformity with the requirements set out in","Directive 2005/60/EC of the European","Parliament and of the Council of 26","October 2005 on the prevention of the use","of the financial system for the purpose of","money laundering and terrorist financing,","in particular with regard to customer due","diligence procedures."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"183","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-469","location":[["Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point d"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:31"},"new":["(d) where the consumer gave specific","consent pursuant to paragraph 2, inform","payees using a direct debit to collect funds","from the consumer's account of the details","of the consumer's account with the","receiving payment service provider and the","date from which direct debits shall be","collected from that account. If the","receiving payment service provider does","not have all the information it needs to","inform the payee, it may ask the consumer","to provide the missing information;"],"old":["(d) where the consumer gave specific","consent pursuant to paragraph 2, inform","payees using a direct debit to collect funds","from the consumer's account of the details","of the consumer's account with the","receiving payment service provider and the","date from which direct debits shall be","collected from that account. If the","receiving payment service provider does","not have all the information it needs to","inform the payee, it shall ask the consumer","or the transferring payment service","provider to provide the missing","information;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"469","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson, Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-184","location":[[" Proposal for a directive","Recital 27"]],"meps":[96673,1913],"meta":{"created":"2019-07-03T05:16:30"},"new":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances \u2013 such as","employment status, level of income, credit","history or personal bankruptcy \u2013 and of","their place of residence. Moreover, the","right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing, in","particular with regard to customer due","diligence procedures."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy,","and of their place of residence. Moreover,","the right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing, in","particular with regard to customer due","diligence procedures."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"184","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-470","location":[["Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point e"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:31"},"new":["(e) provide the consumer with standard","letters by means of which the consumer","may inform payers making recurrent","credit transfers into the consumer's","payment account, and payees using a","direct debit to collect funds from the","consumer's account, of the details of the","consumer's account with the receiving","payment service provider and the date","from which direct debits may be collected","from that account."],"old":["(e) where the consumer chooses to","personally provide the information","indicated in points (c) and (d), provide the","","consumer with standard letters providing","details of the new account and the starting","date indicated in the authorisation."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"470","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-185","location":[[" Proposal for a directive","Recital 27"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:31"},"new":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in the Union should be in a","position to open and use a payment account","with basic features in the Member State","with which they have a connection. In","order to ensure the widest possible access","to such accounts, consumers should have","access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy, and","of their place of residence. Moreover, the","right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing, in","particular with regard to customer due","diligence procedures."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy, and","of their place of residence. Moreover, the","right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing, in","particular with regard to customer due","diligence procedures."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"185","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-471","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point e"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:31"},"new":["(e) provide the consumer with standard","letters providing details of the new account","and the starting date indicated in the","authorisation."],"old":["(e) where the consumer chooses to","personally provide the information","indicated in points (c) and (d), provide the","consumer with standard letters providing","details of the new account and the starting","date indicated in the authorisation."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"471","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-186","location":[["Proposal for a directive","Recital 27 a (new)"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:31"},"new":["(27a) The right to access a payment","account with basic features in any","Member State should be granted in","accordance with Directive 2005/60/EC of","the European Parliament and of the","Council of 26 October 2005 on the","prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing, in","particular with regard to customer due","diligence procedures."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"186","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-472","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 4 \u2013 point e"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:31"},"new":["(e) where the consumer chooses to","personally provide the information","indicated in points (c) and (d), provide the","consumer with standard letters providing","details of the new account and the starting","date indicated in the authorisation. The","standard letter shall be drawn up in an","official language of the Member State","where the switching service is being","initiated or in any other language agreed","between the parties."],"old":["(e) where the consumer chooses to","personally provide the information","indicated in points (c) and (d), provide the","consumer with standard letters providing","details of the new account and the starting","date indicated in the authorisation.",""],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"472","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-187","location":[[" Proposal for a directive","Recital 28"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:31"},"new":["(28) Member States should ensure that a","payment account with basic features is","offered to consumers by all payment","service providers offering payment","accounts to consumers as an integral part","of their regular business. Access should","not be overly difficult and should not","entail excessive costs for consumers. In","order to minimise the risk for consumers to","become financially excluded, Member","States should improve financial education,","including at school, and combat over-","indebtedness. Furthermore, Member States","should promote initiatives of payment","service providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education."],"old":["(28) Member States should ensure that at","least one payment service provider offers","a payment account with basic features to","consumers. Access should not be overly","difficult and should not entail excessive","costs for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their","territory. In order to minimise the risk for","consumers to become financially excluded,","Member States should improve financial","education, including at school, and combat","over-indebtedness. Furthermore, Member","States should promote initiatives of","payment service providers in order to","facilitate the combination of providing","payment accounts with basic features and","financial education."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"187","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-473","location":[["Proposal for a directive","Article 10 \u2013 paragraph 4 a (new)"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:31"},"new":["4a. Member States shall ensure that","deadlines are set at national level for both","payers and payees to take into account the","new account details of the consumer","transmitted by the receiving payment","service provider;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"473","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Schmidt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-188","location":[[" Proposal for a directive","Recital 28"]],"meps":[4274],"meta":{"created":"2019-07-03T05:16:31"},"new":["(28) Member States should ensure that","banks active in the retail banking","business offer a payment account with","basic features to consumers. Access should","not be overly difficult and should not entail","excessive costs for consumers. In this","respect, Member States should ensure that","exemptions are only based on the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing , in","particular with regard to customer due","diligence procedures. In order to minimise","the risk for consumers to become","financially excluded, Member States","should improve financial education,","including at school, and combat over-","indebtedness. Furthermore, Member States","should promote initiatives of payment","service providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education."],"old":["(28) Member States should ensure that at","least one payment service provider offers","a payment account with basic features to","consumers. Access should not be overly","difficult and should not entail excessive","costs for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their","territory. In order to minimise the risk for","","consumers to become financially excluded,","Member States should improve financial","education, including at school, and combat","over-indebtedness. Furthermore, Member","States should promote initiatives of","payment service providers in order to","facilitate the combination of providing","payment accounts with basic features and","financial education."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"188","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-474","location":[["Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point a"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:31"},"new":["(a) send the receiving payment service","provider the information indicated in points","(a), (b) and (c) of paragraph 3 within seven","business days of receiving the request, the","time limit starting from the point after the","transferring payment service provider","received the consumer's verification;"],"old":["(a) send the receiving payment service","provider the information indicated in points","(a), (b) and (c) of paragraph 3 within seven","calendar days of receiving the request;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"474","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-189","location":[["Proposal for a directive","Recital 28"]],"meps":[96997],"meta":{"created":"2019-07-03T05:16:31"},"new":["(28) Member States should ensure that \u2013","taking into account the principles of a","level playing field for competition and","proportionality \u2013 at least one payment","service provider offers a payment account","with basic features to consumers. Access","should not be overly difficult and should","not entail excessive costs for consumers. In","this respect, Member States should","consider factors such as the location of the","designated payment service providers in","their territory. In order to minimise the risk","for consumers to become financially","excluded, Member States should improve","financial education, including at school.","Furthermore, Member States should","promote initiatives of payment service","providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education."],"old":["(28) Member States should ensure that at","least one payment service provider offers a","payment account with basic features to","consumers. Access should not be overly","difficult and should not entail excessive","costs for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their territory.","In order to minimise the risk for consumers","to become financially excluded, Member","States should improve financial education,","including at school, and combat over-","indebtedness. Furthermore, Member States","should promote initiatives of payment","service providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","","education."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"189","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-475","justification":" For the purposes of national switching schemes, the requirement should be termed in business\n days, not calendar days, given that banks are not open at the weekend.","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point a"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:31"},"new":["(a) send the receiving payment service","provider the information indicated in points","(a), (b) and (c) of paragraph 3 within seven","business days of receiving the request;"],"old":["(a) send the receiving payment service","provider the information indicated in points","(a), (b) and (c) of paragraph 3 within seven","calendar days of receiving the request;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"475","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-190","location":[[" Proposal for a directive","Recital 28"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:31"},"new":["(28) Member States shall ensure that a","payment account with basic features is","offered to consumers by all payment","service providers offering payment","accounts, covering at least the services","listed in Article 16(1), as an integral part","of their regular business. Access should","not be overly difficult and should entail","only a nominal fee for consumers. In this","respect, Member States should consider","factors such as the location of the","designated payment service providers in","their territory. In order to minimise the risk","for consumers to become financially","excluded, Member States should improve","financial education, including at school,","and combat over-indebtedness.","Furthermore, Member States should","promote initiatives of payment service","providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education."],"old":["(28) Member States should ensure that at","least one payment service provider offers","a payment account with basic features to","consumers. Access should not be overly","difficult and should not entail excessive","costs for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their territory.","In order to minimise the risk for consumers","to become financially excluded, Member","States should improve financial education,","including at school, and combat over-","indebtedness. Furthermore, Member States","should promote initiatives of payment","service providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"190","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson, Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-476","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point a"]],"meps":[96673,1913],"meta":{"created":"2019-07-03T05:16:31"},"new":["(a) send the receiving payment service","provider the information indicated in points","(a), (b) and (c) of paragraph 3 within seven","business days of receiving the request;"],"old":["(a) send the receiving payment service","provider the information indicated in points","(a), (b) and (c) of paragraph 3 within seven","calendar days of receiving the request;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"476","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-191","location":[[" Proposal for a directive","Recital 28"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:31"},"new":["(28) Member States should ensure that at","least one payment service provider offers a","payment account with basic features to","consumers. Access should not be overly","difficult and should not entail excessive","costs for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their territory.","In order to minimise the risk for consumers","to become financially excluded, Member","States should improve financial education,","including at school, and combat over-","indebtedness. Furthermore, Member States","should promote initiatives of payment","service providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education. The requirements of this","Directive relating to the provision of basic","payment accounts can be complied with","through law, self-regulation or voluntary","agreement."],"old":["(28) Member States should ensure that at","least one payment service provider offers a","payment account with basic features to","consumers. Access should not be overly","difficult and should not entail excessive","costs for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their territory.","In order to minimise the risk for consumers","to become financially excluded, Member","States should improve financial education,","including at school, and combat over-","indebtedness. Furthermore, Member States","should promote initiatives of payment","service providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"191","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-477","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point a"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:31"},"new":["(a) send the receiving payment service","provider the information indicated in points","(a), (b) and (c) of paragraph 3 within seven","business days of receiving the request;"],"old":["(a) send the receiving payment service","provider the information indicated in points","(a), (b) and (c) of paragraph 3 within seven","","calendar days of receiving the request;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"477","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sylvie Goulard, Jean Lambert","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-192","location":[["Proposal for a directive","Recital 28"]],"meps":[97137,4531],"meta":{"created":"2019-07-03T05:16:31"},"new":["(28) Member States should ensure that at","least one payment service provider offers a","payment account with basic features to","consumers. Access should not be overly","difficult and should not entail excessive","costs for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their territory.","In order to minimise the risk for consumers","to become financially excluded, Member","States should improve financial education,","including at school, and combat over-","indebtedness. Furthermore, Member States","should promote initiatives of payment","service providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education to advise vulnerable people on","aspects of budgeting and over-","indebtedness."],"old":["(28) Member States should ensure that at","least one payment service provider offers a","payment account with basic features to","consumers. Access should not be overly","difficult and should not entail excessive","costs for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their territory.","","In order to minimise the risk for consumers","to become financially excluded, Member","States should improve financial education,","including at school, and combat over-","indebtedness. Furthermore, Member States","should promote initiatives of payment","service providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education."],"orig_lang":"fr","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"192","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-478","location":[["Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point a"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:31"},"new":["(a) send the receiving payment service","provider the information indicated in points","(a), (b) and (c) of paragraph 3 within seven","business days of receiving the request"],"old":["(a) send the receiving payment service","provider the information indicated in points","(a), (b) and (c) of paragraph 3 within seven","calendar days of receiving the request;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"478","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sharon Bowles","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-193","location":[[" Proposal for a directive","Recital 28 a (new)"]],"meps":[33570],"meta":{"created":"2019-07-03T05:16:31"},"new":["(28a) Member States should ensure that","measures are in place to facilitate the","education of consumers in relation to the","management of their basic payment","account. Clear, informative documents","outlining the functioning of the account","should be provided to all account holders."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"193","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-194","location":[[" Proposal for a directive","Recital 29"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:31"},"new":["(29) To exercise their right to access a","basic payment account, consumers should","not already hold a payment account or","should have previously been denied access","to a regular payment account in the same","territory. When it is not possible to use","electronic systems to establish whether or","not a consumer already holds a payment","account, payment service providers should","accept a declaration by consumers as a","reliable means of verifying that they do not","already hold a payment account. They","should justify a genuine link with the","Member State of the payment service","provider.","In this respect, the consumer shall","provide:","i) a declaration of honour that can be","used by Payment service providers as a","reliable means of verifying that he/she","does not already hold a payment account","based on a purposive test which should","demonstrate a clear need for a payment","account with basic features, or;","ii) a simple declaration of at least one","financial institution in the Member States","concerned which demonstrates that in the","Member State concerned he/she has been","refused a payment account.","Non-limitative examples of a genuine link","with the Member States are: nationality,","place of residence, job related issues,","enrolment in an institution that provides","education or vocational training, family","related issues, or any other factor which","could constitute a link with the Member","State concerned;"],"old":["(29) To exercise their right to access a","basic payment account, consumers should","not already hold a payment account in the","","same territory. When it is not possible to","use electronic systems to establish whether","or not a consumer already holds a payment","account, payment service providers should","accept a declaration by consumers as a","reliable means of verifying that they do not","already hold a payment account."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"194","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-479","location":[["Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point b"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:31"},"new":["(b) where the transferring payment service","provider does not provide a system for","automated redirection of the incoming","credit transfers and direct debits to the","account held by the consumer with the","receiving payment service provider, stop","incoming credit transfers and stop","accepting direct debits on the payment","account from the date requested by the","receiving payment service provider;"],"old":["(b) where the transferring payment service","provider does not provide a system for","automated redirection of the standing","orders and direct debits to the account held","by the consumer with the receiving","payment service provider, cancel any","standing orders and stop accepting direct","debits on the payment account on the date","requested by the receiving payment service","provider;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"479","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-195","justification":" The right to a basic bank account should only apply when the consumer does not already\n have a payment account and has been denied access to a regular one.","location":[["Proposal for a directive","Recital 29"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:31"},"new":["(29) To exercise their right to access a","basic payment account, consumers should","not already hold a payment account and","must have been denied access to a","payment account in the Member State.","They should justify a sufficient","relationship with the Member State of the","PSP where they apply for access to a","payment account with basic features.","When it is not possible to use electronic","systems to establish whether or not a","consumer already holds a payment","account, payment service providers should","accept a declaration by consumers as a","reliable means of verifying that they have","been denied access to a payment account"],"old":["(29) To exercise their right to access a","basic payment account, consumers should","not already hold a payment account in the","same territory. When it is not possible to","use electronic systems to establish whether","or not a consumer already holds a payment","account, payment service providers should","accept a declaration by consumers as a","reliable means of verifying that they do not","already hold a payment account."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"195","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-480","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point b"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:31"},"new":["(b) where the transferring payment service","provider does not provide a system for","automated redirection of the incoming","credit transfers and direct debits to the","account held by the consumer with the","receiving payment service provider, stop","incoming credit transfers and stop","accepting direct debits on the payment","account on from the date requested by the","receiving payment service provider;"],"old":["(b) where the transferring payment service","provider does not provide a system for","automated redirection of the standing","orders and direct debits to the account held","by the consumer with the receiving","payment service provider, cancel any","standing orders and stop accepting direct","debits on the payment account on the date","requested by the receiving payment service","provider;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"480","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-196","location":[[" Proposal for a directive","Recital 29"]],"meps":[96997],"meta":{"created":"2019-07-03T05:16:31"},"new":["(29) To exercise their right to access a","basic payment account, consumers should","not already hold a payment account in the","Union and should demonstrably have","been denied the opportunity to open a","payment account. When it is not possible","to use electronic systems to establish","whether or not a consumer already holds a","payment account, payment service","providers should accept a declaration by","consumers as a reliable means of verifying","that they do not already hold a payment","account. After it has been established that","a consumer has a need for it, the payment","service provider should offer the customer","a payment account with basic features."],"old":["(29) To exercise their right to access a","basic payment account, consumers should","not already hold a payment account in the","same territory. When it is not possible to","use electronic systems to establish whether","or not a consumer already holds a payment","account, payment service providers should","accept a declaration by consumers as a","reliable means of verifying that they do not","already hold a payment account.","",""],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"196","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-481","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point c"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:31"},"new":["(c) transfer the remaining positive balance","from the payment account to the account","held with the receiving payment service","provider or collect the amount of a","negative balance from the account opened","or held with the receiving payment service","provider, where the consumer gave","consent;"],"old":["(c) transfer the remaining positive balance","from the payment account to the account","held with the receiving payment service","provider;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"481","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-197","location":[["Proposal for a directive","Recital 29"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:31"},"new":["(29) To exercise their right to access a","basic payment account, consumers should","not already hold a payment account in the","EU. When it is not possible to use","electronic systems to establish whether or","not a consumer already holds a payment","account, payment service providers should","accept a declaration by consumers as a","reliable means of verifying that they do not","already hold a payment account."],"old":["(29) To exercise their right to access a","basic payment account, consumers should","not already hold a payment account in the","same territory. When it is not possible to","use electronic systems to establish whether","or not a consumer already holds a payment","account, payment service providers should","accept a declaration by consumers as a","reliable means of verifying that they do not","already hold a payment account."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"197","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-482","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point d"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:32"},"new":["(d) close the payment account as soon as","the steps listed in points (a) to (c) have","been carried out and the account is","balanced;"],"old":["(d) close the payment account;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"482","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-198","location":[["Proposal for a directive","Recital 29"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:31"},"new":["(29) To exercise their right to access a","basic payment account, consumers should","not already hold a payment account in the","same territory. When it is not possible to","use electronic systems to establish whether","or not a consumer already holds a payment","account, payment service providers should","accept a formal declaration by consumers","as a reliable means of verifying that they","do not already hold a payment account."],"old":["(29) To exercise their right to access a","basic payment account, consumers should","not already hold a payment account in the","same territory. When it is not possible to","use electronic systems to establish whether","or not a consumer already holds a payment","","account, payment service providers should","accept a declaration by consumers as a","reliable means of verifying that they do not","already hold a payment account."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"198","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-483","location":[["Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point d"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:32"},"new":["(d) close the payment account after the","fulfilment of the duties as per Article 10","paragraph 6(b) and (c);"],"old":["(d) close the payment account;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"483","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson, Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-199","location":[[" Proposal for a directive","Recital 30"]],"meps":[96673,1913],"meta":{"created":"2019-07-03T05:16:31"},"new":["(30) Consumers should be guaranteed","access to a range of basic payment","services. Beyond this list of basic services,","banks may apply their regular fees.","Services linked to basic payment accounts","should include the facility to deposit and","withdraw money. Consumers should be","able to undertake essential payment","transactions such as receiving income or","benefits, paying bills or taxes and","purchasing goods and services, including","via direct debit, credit transfer and the use","of a payment card. Such services should","allow the purchase of goods and services","online and should give consumers the","opportunity to initiate payment orders via","the payment service provider's online","banking facility, where available.","However, a payment account with basic","features should not be restricted to online","usage as this would create an obstacle for","consumers without internet access.","Consumers should not be given access to","an overdraft facility with a payment","account with basic features. However,","Member States may allow payment","services providers to offer buffering","facilities for very small amounts in relation","to payment accounts with basic features.","As long as a payment account with basic","features is operated by the consumer for","personal use, there should be no limits to","the number of operations to be provided to","the consumer under the specific pricing","rules of this account."],"old":["(30) Consumers should be guaranteed","access to a range of basic payment","services, for which a minimum number of","operations shall be determined by","Member States in a way that should take","into account both the needs of the","consumers and the commercial practices","in the Member State concerned. Beyond","this list of minimum services, banks may","apply their regular fees. Services linked to","basic payment accounts should include the","facility to deposit and withdraw money.","Consumers should be able to undertake","essential payment transactions such as","receiving income or benefits, paying bills","or taxes and purchasing goods and","services, including via direct debit, credit","transfer and the use of a payment card.","Such services should allow the purchase of","goods and services online and should give","consumers the opportunity to initiate","payment orders via the payment service","provider's online banking facility, where","available. However, a payment account","with basic features should not be restricted","to online usage as this would create an","obstacle for consumers without internet","access. Consumers should not be given","access to an overdraft facility with a","payment account with basic features.","However, Member States may allow","","payment services providers to offer","buffering facilities for very small amounts","in relation to payment accounts with basic","features."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"199","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"J\u00fcrgen Klute","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-200","location":[["Proposal for a directive","Recital 30"]],"meps":[96769],"meta":{"created":"2019-07-03T05:16:31"},"new":["(30) Consumers should be guaranteed","access to a range of basic payment","services, for which a minimum number of","operations shall be determined by Member","States in a way that should take into","account both the needs of the consumers","and the commercial practices in the","Member State concerned. Beyond this list","of minimum services, banks may apply","their regular fees. Services linked to basic","payment accounts should include the","facility to place and withdraw money via","the different channels available.","Consumers should be able to undertake","essential payment transactions such as","receiving income or benefits, paying bills","or taxes and purchasing goods and","services, including via direct debit, credit","transfer including standing orders and the","use of a personalized payment instrument","(e.g. payment card or software product).","Such services should allow the purchase of","goods and services online and should give","consumers the opportunity to initiate","payment orders via the payment service","provider's online banking facility, where","available. However, a payment account","with basic features should not be restricted","to online usage as this would create an","obstacle for consumers without internet","access. Consumers should not be given","access to an overdraft facility with a","payment account with basic features.","However, Member States may allow","payment services providers to offer","buffering facilities for very small amounts","in relation to payment accounts with basic","features where the charges for such funds","are separately disclosed to the consumer","and at least as favourable as the","provider's charges for overdrafts."],"old":["(30) Consumers should be guaranteed","access to a range of basic payment","services, for which a minimum number of","operations shall be determined by Member","States in a way that should take into","account both the needs of the consumers","and the commercial practices in the","Member State concerned. Beyond this list","of minimum services, banks may apply","their regular fees. Services linked to basic","payment accounts should include the","facility to deposit and withdraw money.","Consumers should be able to undertake","essential payment transactions such as","receiving income or benefits, paying bills","or taxes and purchasing goods and","services, including via direct debit, credit","transfer and the use of a payment card.","Such services should allow the purchase of","goods and services online and should give","consumers the opportunity to initiate","payment orders via the payment service","provider's online banking facility, where","available. However, a payment account","with basic features should not be restricted","to online usage as this would create an","obstacle for consumers without internet","access. Consumers should not be given","access to an overdraft facility with a","payment account with basic features.","However, Member States may allow","","payment services providers to offer","buffering facilities for very small amounts","in relation to payment accounts with basic","features."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"200","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-484","location":[["Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point d"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:32"},"new":["(d) close the payment account which can","only be closed after fulfilment of the","duties as per Article 10 paragraph 6 (b)","and (c)."],"old":["(d) close the payment account;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"484","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-485","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point e a (new)"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:32"},"new":["(ea) the above referenced tasks are subject","to a \"positive\" balance on the payment","account.","Insofar as transferring payment service","providers consider personal confirmation","(written or oral) of the request received","pursuant to sentence 1 necessary, they","will request the consumer within two","business days of their receipt of the","request pursuant to sentence 1 to forward","such confirmation. Subsequent to the","receipt of the consumer's personal","confirmation, the transferring payment","service provider will perform the tasks","under paragraph 6 within the deadlines","specified therein. As far as the request","pursuant to sentence 1 releases a time","limit and in case the transferring payment","service provider requests the consumer's","confirmation, this time limit will start with","receipt of the consumer's confirmation."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"485","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson, Emilie Turunen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-201","location":[[" Proposal for a directive","Recital 31"]],"meps":[96673,96703],"meta":{"created":"2019-07-03T05:16:32"},"new":["(31) In order to ensure that basic payment","accounts are available to the widest","possible range of consumers, they should","be offered free of charge or for a","reasonable fee. Furthermore, any additional","charges to the consumer for non-","compliance with the terms laid down in the","contract should be reasonable and never","higher than the fees of the regular pricing","policy of the provider. Payment service","providers should be required to ensure","that, among the products they offer, the","payment account with basic features is","always the most affordable account for","carrying out basic payment transactions.","There should be a reasonable upper limit","for the total amount of fees charged in a","year by a payment service provider to the","consumer for the operation of a payment","account with basic features. Member","States should establish what constitutes a","reasonable charge, and a reasonable upper","limit for the total amount of fees in a year,","according to national circumstances, inter","alia with regard to the average income of","people living at risk of poverty or social","exclusion. In order to ensure consistency","and efficiency in the implementation of the","principle of a reasonable charge, the EBA","should be tasked with issuing guidelines as","regards the general criteria identified in","this Directive."],"old":["(31) In order to ensure that basic payment","accounts are available to the widest","possible range of consumers, they should","be offered free of charge or for a","reasonable fee. Furthermore, any additional","charges to the consumer for non-","compliance with the terms laid down in the","contract should be reasonable. Member","States should establish what constitutes a","reasonable charge according to national","circumstances. In order to ensure","consistency and efficiency in the","implementation of the principle of a","reasonable charge, the EBA should be","tasked with issuing guidelines as regards","the general criteria identified in this","Directive.",""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"201","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-486","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point e a (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:32"},"new":["(ea) the above referenced tasks are subject","to a \"positive\" balance on the payment","account;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"486","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-202","location":[["Proposal for a directive","Recital 32"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:32"},"new":["(32) The payment service provider should","refuse to open or should terminate a","contract for a payment account with basic","features only in specific circumstances, for","example in case of non-compliance with","the legislation on money laundering and","terrorist financing or on the prevention and","investigation of crimes or if the consumer","hasn't been previously denied access to a","payment account. Even in these cases, a","refusal can only be justified where the","consumer does not comply with the","provisions of that legislation and not","because the procedure to check compliance","with the legislation is too burdensome or","costly."],"old":["(32) The payment service provider should","refuse to open or should terminate a","contract for a payment account with basic","features only in specific circumstances,","such as non-compliance with the","legislation on money laundering and","terrorist financing or on the prevention and","investigation of crimes. Even in these","cases, a refusal can only be justified where","the consumer does not comply with the","provisions of that legislation and not","because the procedure to check compliance","with the legislation is too burdensome or","costly."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"202","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-487","location":[["Proposal for a directive","Article 10 \u2013 paragraph 8"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:32"},"new":["deleted"],"old":["8. Member States shall ensure that the","provisions contained in paragraphs 1 to 7","also apply when the switching service is","initiated by a payment service provider","located in another Member State."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"487","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Schmidt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-203","location":[["Proposal for a directive","Recital 33"]],"meps":[4274],"meta":{"created":"2019-07-03T05:16:32"},"new":["(33) Clear and comprehensible information","on the availability to a bank account with","basic features should be provided by","Member States. The information should","cover the main features and conditions for","using the account and also the steps","consumers should follow to exercise their","right to open a payment account with basic","features. Notably, consumers should be","informed that the purchase of additional","services is not compulsory in order to","access a payment account with basic","features."],"old":["(33) Clear and comprehensible information","on the right to a bank account with basic","features should be provided by Member","States and payment service providers to","consumers. The information should cover","the main features and conditions for using","the account and also the steps consumers","should follow to exercise their right to","open a payment account with basic","features. Notably, consumers should be","informed that the purchase of additional","services is not compulsory in order to","access a payment account with basic","features."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"203","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-204","location":[[" Proposal for a directive","Recital 34 a (new)"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:32"},"new":["(34a) Where appropriate, and in","particular with regard to people with no","fixed address, Member States should put","in place non-discriminatory and flexible","mechanisms to assist consumers in","meeting customer due diligence","requirements related to the payment","accounts with basic features, while","complying with the legislation on money","laundering and terrorist financing."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"204","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-488","justification":"A cross-border switching service would come at huge cost and risk, with little obvious benefit\ngiven the low level of demand for such a cross border service. Cross-border transactions will\nalso be facilitated by the implementation of Regulation 260/2012.","location":[["Proposal for a directive","Article 10 \u2013 paragraph 8"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:32"},"new":["deleted"],"old":["8. Member States shall ensure that the","provisions contained in paragraphs 1 to 7","also apply when the switching service is","initiated by a payment service provider","located in another Member State."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"488","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-205","location":[["Proposal for a directive","Recital 34 b (new)"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:32"},"new":["(34b) In order for customers holding","payment accounts with basic features to","be serviced in an appropriate manner,","Member States should ensure that the","relevant employees at payment service","providers offering these accounts are","given adequate training, sufficient time","and, where applicable, reasonably","adapted sales targets."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"205","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-206","location":[["Proposal for a directive","Recital 36"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:32"},"new":["deleted"],"old":["(36) In order to attain the objectives set","out in this Directive, the power to adopt","acts in accordance with Article 290 of the","Treaty should be delegated to the","Commission in respect of identifying the","standardised terminology at EU level for","payment services common to a number of","Member States and the related definitions","for these terms"],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"206","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Astrid Lulling","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-489","location":[["Proposal for a directive","Article 10 \u2013 paragraph 8"]],"meps":[1186],"meta":{"created":"2019-07-03T05:16:32"},"new":["deleted"],"old":["8. Member States shall ensure that the","provisions contained in paragraphs 1 to 7","also apply when the switching service is","initiated by a payment service provider","located in another Member State."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"489","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-207","justification":" Weighed against the administrative costs involved, it is not clear that the terminology\n standardisation process delivers real benefit.","location":[["Proposal for a directive","Recital 36"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:32"},"new":["deleted"],"old":["(36) In order to attain the objectives set","out in this Directive, the power to adopt","acts in accordance with Article 290 of the","Treaty should be delegated to the","Commission in respect of identifying the","standardised terminology at EU level for","payment services common to a number of","Member States and the related definitions","for these terms"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"207","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-208","location":[[" Proposal for a directive","Recital 36"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:32"},"new":["(36) In order to attain the objectives set out","in this Directive, the power to adopt acts in","accordance with Article 290 of the Treaty","should be delegated to the Commission in","respect of identifying the EU standardised","list of definitions for payment services","common to a number of Member States."],"old":["(36) In order to attain the objectives set out","in this Directive, the power to adopt acts in","accordance with Article 290 of the Treaty","should be delegated to the Commission in","respect of identifying the standardised","terminology at EU level for payment","services common to a number of Member","States and the related definitions for these","terms"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"208","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-490","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 8"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:32"},"new":["deleted"],"old":["8. Member States shall ensure that the","provisions contained in paragraphs 1 to 7","also apply when the switching service is","initiated by a payment service provider","located in another Member State."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"490","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-491","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 8"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:32"},"new":["deleted"],"old":["8. Member States shall ensure that the","provisions contained in paragraphs 1 to 7","also apply when the switching service is","initiated by a payment service provider","located in another Member State."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"491","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-209","justification":"Weighed against the administrative costs involved, it is not clear that the terminology\nstandardisation process delivers real benefit.","location":[["Proposal for a directive","Recital 37"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:32"},"new":["deleted"],"old":["(37) In order to ensure uniform","conditions for the implementation of this","Directive, implementing powers should be","conferred on the Commission. These","powers relate to the definition of the","format of the fee information document,","its common symbol and the order in","which the services contained in it shall be","presented, as well as to the format of the","statement of fees, its common symbol and","the order in which the services contained","in it shall be presented. These powers","should be exercised in accordance with","Regulation (EU) No 182/2011 of the","European Parliament and of the Council","of 16 February 2011 laying down the","rules and general principles concerning","mechanisms for control by Member States","of the Commission's exercise of","implementing powers."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"209","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-492","justification":"This should not be regulated cross-border.","location":[["Proposal for a directive","Article 10 \u2013 paragraph 8"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:32"},"new":["deleted"],"old":["8. Member States shall ensure that the","provisions contained in paragraphs 1 to 7","also apply when the switching service is","initiated by a payment service provider","located in another Member State."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"492","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-210","location":[["Proposal for a directive","Recital 38"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:32"},"new":["(38) Within two years from entry into force","of this Directive and every two years","thereafter, Member States should obtain","reliable annual statistics on the functioning","of the measures introduced by the present","Directive. They should use any relevant","sources of information and communicate","that information to the Commission."],"old":["(38) Within three years from entry into","force of this Directive and every two years","thereafter, Member States should obtain","reliable annual statistics on the functioning","","","of the measures introduced by the present","Directive. They should use any relevant","sources of information and communicate","that information to the Commission."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"210","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-493","justification":"A cross-border switching service would come at huge cost and risk, with little obvious benefit\ngiven the low level of demand for such a cross border service. Cross-border transactions will\nalso be facilitated by the implementation of Regulation 260/2012.","location":[["Proposal for a directive","Article 10 \u2013 paragraph 9"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:32"},"new":["deleted"],"old":["9. In the case indicated in paragraph 8,","the deadlines indicated in paragraphs 3, 4","and 6 shall be doubled. The present","provision shall be subject to review","pursuant to Article 27."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"493","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-211","location":[[" Proposal for a directive","Recital 39"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:32"},"new":["(39) A review of this Directive should be","carried out five years after its entry into","force in order to take account of market","developments, such as the emergence of","new types of payment accounts and","payment services, as well as developments","in other areas of Union law and the","experiences of Member States. The review","should assess whether the measures","introduced have improved consumer","understanding of payment account fees, the","comparability of payment accounts and the","ease of switching accounts. It should also","determine how many basic payment","accounts have been opened including by","previously unbanked consumers. Also, it","should assess whether the provisions on the","information to be provided by payment","service providers when offering packaged","products are sufficient or whether","additional measures are needed. A study","should also be conducted looking at","whether there is demand for a cross-","border switching service, or whether the","status quo is responsive to consumer","demand. The Commission should submit a","report to the European Parliament and the","Council accompanied, if appropriate, by","legislative proposals."],"old":["(39) A review of this Directive should be","carried out five years after its entry into","force in order to take account of market","developments, such as the emergence of","new types of payment accounts and","payment services, as well as developments","in other areas of Union law and the","experiences of Member States. The review","should assess whether the measures","introduced have improved consumer","understanding of payment account fees, the","comparability of payment accounts and the","ease of switching accounts. It should also","determine how many basic payment","accounts have been opened including by","previously unbanked consumers. It should","also assess whether extended deadlines","for payment service providers performing","cross-border switching are to be","maintained for a longer period. Also, it","should assess whether the provisions on the","information to be provided by payment","service providers when offering packaged","products are sufficient or whether","additional measures are needed. The","Commission should submit a report to the","European Parliament and the Council","accompanied, if appropriate, by legislative","proposals."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"211","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-494","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 9"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:32"},"new":["deleted"],"old":["9. In the case indicated in paragraph 8,","the deadlines indicated in paragraphs 3, 4","and 6 shall be doubled. The present","provision shall be subject to review","pursuant to Article 27."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"494","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-212","location":[["Proposal for a directive","Recital 39"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:32"},"new":["(39) A review of this Directive should be","carried out three years after its entry into","force in order to take account of market","developments, such as the emergence of","new types of payment accounts and","payment services, as well as developments","in other areas of Union law and the","experiences of Member States. The review","should assess whether the measures","introduced have improved consumer","understanding of payment account fees, the","comparability of payment accounts and the","ease of switching accounts. It should also","determine how many basic payment","accounts have been opened including by","previously unbanked consumers. It should","also assess whether extended deadlines for","payment service providers performing","cross-border switching are to be","maintained for a longer period. Also, it","should assess whether the provisions on the","information to be provided by payment","service providers when offering packaged","products are sufficient or whether","additional measures are needed. The","Commission should submit a report to the","European Parliament and the Council","accompanied, if appropriate, by legislative","proposals."],"old":["(39) A review of this Directive should be","carried out five years after its entry into","force in order to take account of market","developments, such as the emergence of","new types of payment accounts and","payment services, as well as developments","in other areas of Union law and the","experiences of Member States. The review","should assess whether the measures","introduced have improved consumer","understanding of payment account fees, the","comparability of payment accounts and the","ease of switching accounts. It should also","determine how many basic payment","accounts have been opened including by","previously unbanked consumers. It should","also assess whether extended deadlines for","payment service providers performing","cross-border switching are to be","maintained for a longer period. Also, it","should assess whether the provisions on the","information to be provided by payment","service providers when offering packaged","products are sufficient or whether","additional measures are needed. The","Commission should submit a report to the","European Parliament and the Council","accompanied, if appropriate, by legislative","proposals."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"212","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-495","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 9"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:33"},"new":["deleted"],"old":["9. In the case indicated in paragraph 8,","the deadlines indicated in paragraphs 3, 4","and 6 shall be doubled. The present","provision shall be subject to review","pursuant to Article 27."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"495","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sylvie Goulard, Jean Lambert","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-213","location":[[" Proposal for a directive","Recital 39"]],"meps":[97137,4531],"meta":{"created":"2019-07-03T05:16:32"},"new":["(39) A review of this Directive should be","carried out five years after its entry into","force in order to take account of market","developments, such as the emergence of","new types of payment accounts and","payment services, as well as developments","in other areas of Union law and the","experiences of Member States. The review","should assess whether the measures","introduced have improved consumer","understanding of payment account fees, the","comparability of payment accounts and the","ease of switching accounts. It should also","determine how many basic payment","accounts have been opened including by","previously unbanked consumers, the","periods for which such accounts are held,","the number of refusals to open basic","payment accounts and the number of","closures of such accounts and the reasons","for them, as well as the associated","charges. It should also assess whether","extended deadlines for payment service","providers performing cross-border","switching are to be maintained for a longer","period. Also, it should assess whether the","provisions on the information to be","provided by payment service providers","when offering packaged products are","sufficient or whether additional measures","are needed. The Commission should","submit a report to the European Parliament","and the Council accompanied, if","appropriate, by legislative proposals."],"old":["(39) A review of this Directive should be","carried out five years after its entry into","force in order to take account of market","developments, such as the emergence of","new types of payment accounts and","payment services, as well as developments","in other areas of Union law and the","experiences of Member States. The review","should assess whether the measures","introduced have improved consumer","understanding of payment account fees, the","comparability of payment accounts and the","ease of switching accounts. It should also","determine how many basic payment","accounts have been opened including by","previously unbanked consumers. It should","also assess whether extended deadlines for","payment service providers performing","cross-border switching are to be","maintained for a longer period. Also, it","should assess whether the provisions on the","information to be provided by payment","service providers when offering packaged","products are sufficient or whether","additional measures are needed. The","Commission should submit a report to the","European Parliament and the Council","accompanied, if appropriate, by legislative","proposals."],"orig_lang":"fr","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"213","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-496","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 9"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:33"},"new":["deleted"],"old":["9. In the case indicated in paragraph 8,","the deadlines indicated in paragraphs 3, 4","and 6 shall be doubled. The present","provision shall be subject to review","","pursuant to Article 27."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"496","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Catherine Stihler","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-497","location":[["Proposal for a directive","Article 11 \u2013 paragraph 3"]],"meps":[4545],"meta":{"created":"2019-07-03T05:16:33"},"new":["deleted"],"old":["3. Member States shall ensure that fees, if","any, applied by the transferring payment","service provider to the consumer for the","termination of the payment account held","with it are determined in accordance with","Article 45(2) of Directive 2007/64/EC."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"497","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-214","location":[["Proposal for a directive","Recital 39"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:32"},"new":["(39) A review of this Directive should be","carried out five years after its entry into","force in order to take account of market","developments, such as the emergence of","new types of payment accounts and","payment services, as well as developments","in other areas of Union law and the","experiences of Member States. The review","should assess whether the measures","introduced have improved consumer","understanding of payment account fees, the","comparability of payment accounts and the","ease of switching accounts. It should also","determine how many basic payment","accounts have been opened including by","previously unbanked consumers. Also, it","should assess whether the provisions on the","information to be provided by payment","service providers when offering packaged","products are sufficient or whether","additional measures are needed. The","Commission should submit a report to the","European Parliament and the Council","accompanied, if appropriate, by legislative","proposals."],"old":["(39) A review of this Directive should be","carried out five years after its entry into","force in order to take account of market","developments, such as the emergence of","new types of payment accounts and","payment services, as well as developments","in other areas of Union law and the","experiences of Member States. The review","should assess whether the measures","introduced have improved consumer","understanding of payment account fees, the","comparability of payment accounts and the","ease of switching accounts. It should also","determine how many basic payment","accounts have been opened including by","previously unbanked consumers. It should","also assess whether extended deadlines","for payment service providers performing","cross-border switching are to be","maintained for a longer period. Also, it","should assess whether the provisions on the","information to be provided by payment","service providers when offering packaged","products are sufficient or whether","additional measures are needed. The","Commission should submit a report to the","European Parliament and the Council","accompanied, if appropriate, by legislative","proposals."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"214","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-498","location":[["Proposal for a directive","Article 11 \u2013 paragraph 3"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:33"},"new":["3. Member States shall ensure that no fees","are applied by the transferring payment","service provider to the consumer for the","termination of the payment account held","with it. Article 45(2) of Directive","2007/64/EC shall be amended","accordingly."],"old":["3. Member States shall ensure that fees, if","any, applied by the transferring payment","service provider to the consumer for the","termination of the payment account held","with it are determined in accordance with","Article 45(2) of Directive 2007/64/EC."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"498","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-215","location":[["Proposal for a directive","Recital 41 a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:33"},"new":["(41a) Financial services are complex","products and thus consumers shall be","provided advice of quality. Moreover,","competition in the payment service sector","shall be promoted to foster innovation and","achieve reasonable prices for consumers.","Comparison websites for payment","accounts can be a helpful device to","achieve the objectives of competition and","quality, if they take into account not only","indicators which reflect prices, but also","the ones revealing service quality. Against","this backdrop, it is crucial to include","indicators, such as the branch network of","a payment service provider, in the range","of indicators of comparison websites."],"old":[""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"215","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-216","justification":"Making it easier to switch payment accounts, given that consumers tend to conduct most of\ntheir business with the bank where they have one, should not lead to banks competing on costs\nalone. It is important that consumer choice also be informed by summary information on the\nfinancial strength of the bank. The CAMELS system used by the US FDIC and Federal\nReserve for supervisory purposes provides an example of categories that could be presented,\ne.g. as a traffic light system, to consumers.","location":[[" Proposal for a directive","Recital 41 b (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:33"},"new":["(41b) It is important not only that","consumers awareness of the types of","services and their costs is enhanced, but","also that their choice of the bank with","which they conduct their business, often","the same one as with which the consumer","has a payment account, is informed by","information on the bank's overall","financial strength. This will promote","consumer pressure, one of the most","powerful incentives for corporations to","change, in addition to investor and","supervisory pressure, for credit","institutions to compete on institutional","strength as well as cost and quality of","service. To this end it is appropriate that","the Commission assess the options","available for introducing a Union-wide","financial strength indicator for credit","institutions, based on supervisory","assessment of, inter alia, capital","adequacy, assets quality, governance and","risk management as well as earnings and","liquidity strength and presented in a","simple, easy to understand format, such","as a traffic light system and aimed at","providing consumers with such","information as a complement to","transparency on charges for payment","accounts and other retail banking","services;"],"old":[""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"216","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-499","justification":" Switching fees are likely to discourage this form of market discipline. While switching every\n few months should be discouraged, where an account has been open for more than a year\n there is no justification for charging the consumer (this is the principle already in operation\n in UK, Austria and Italy according to BEUC - without damage to the PSP market)","location":[[" Proposal for a directive","Article 11 \u2013 paragraph 3 \u2013 subparagraph 1 a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:33"},"new":["Member States shall ensure that no fees","are applied by the transferring payment","service provider where the consumer has","held the payment account for a period of","at least 12 months prior to the receipt of","the switching service request pursuant to","Article 10(4)."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"499","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-217","justification":" A cross-border switching service would come at huge cost and risk, with little obvious benefit\n given the low level of demand for such a cross border service. Cross-border transactions will\n also be facilitated by the implementation of Regulation 260/2012.","location":[["Proposal for a directive","Article 1 \u2013 paragraph 1"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:33"},"new":["1. This Directive lays down rules","concerning the transparency and","comparability of fees charged to consumers","on their payment accounts held within the","European Union and provided by payment","service providers located in the Union and","rules concerning the switching of payment","accounts within a Member State."],"old":["1. This Directive lays down rules","concerning the transparency and","comparability of fees charged to consumers","on their payment accounts held within the","European Union and provided by payment","service providers located in the Union and","rules concerning the switching of payment","accounts within the Union."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"217","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Catherine Stihler","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-500","location":[[" Proposal for a directive","Article 11 \u2013 paragraph 4"]],"meps":[4545],"meta":{"created":"2019-07-03T05:16:33"},"new":["deleted"],"old":["4. Member States shall ensure that fees, if","any, applied by the transferring or the","receiving payment service provider to the","consumer for any service provided under","Article 10, other than those referred to in","paragraphs 1 to 3, shall be appropriate","and in line with the actual costs of that","payment service provider."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"500","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen, Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-218","location":[[" Proposal for a directive","Article 1 \u2013 paragraph 1"]],"meps":[1928,96997],"meta":{"created":"2019-07-03T05:16:33"},"new":["1. This Directive lays down rules","concerning the transparency and","comparability of fees charged to consumers","on their payment accounts held within the","European Union and provided by payment","service providers located in the Union and","rules concerning the switching of payment","accounts within a Member State."],"old":["1. This Directive lays down rules","concerning the transparency and","comparability of fees charged to consumers","on their payment accounts held within the","European Union and provided by payment","service providers located in the Union and","rules concerning the switching of payment","accounts within the Union."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"218","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-501","location":[["Proposal for a directive","Article 11 \u2013 paragraph 4"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:33"},"new":["4. Member States shall ensure that no fees","are applied by the transferring or the","receiving payment service provider to the","consumer for any service provided under","Article 10."],"old":["4. 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Member States shall ensure that any","financial loss incurred by the consumer","resulting from the non-compliance of a","payment service provider involved in the","switching process with its obligations","under Article 10 is refunded by that","payment service provider."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"504","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-505","justification":"It is critical that consumers be refunded as soon as an error comes to light as insufficient\nbalance on the payment account could lead to further damage to the consumer","location":[[" Proposal for a directive","Article 12 \u2013 paragraph 1"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:33"},"new":["1. 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Member States shall ensure that any","financial loss incurred by the consumer","resulting from the non-compliance of a","payment service provider involved in the","switching process with its obligations","under Article 10 is refunded by that","payment service provider."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"505","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-222","location":[[" Proposal for a directive","Article 1 \u2013 paragraph 1"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:33"},"new":["1. 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This is especially important when a bank has not previously offered a service to\n a consumer.","location":[["Proposal for a directive","Article 1 \u2013 paragraph 4 a (new)"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:33"},"new":["4a. In order to adhere to the requirements","set out in this Directive, Member States","shall ensure that a payment service","provider has access to comprehensive,","functional databases by which they are","able to verify the address, identity and","credit worthiness of consumers in the","Member State, in order to assist with","fraud prevention, monitoring the","consumers' compliance with credit","obligations and compliance with their","requirements under Directive","2005/60/EC. 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Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-233","justification":" FSUG/BEUC. Fee transparency and comparability needs to apply to all charges, fees,\n expenses and costs linked to the payment account, including penalties, overdraft facilities and\n credit card interest rates.","location":[["Proposal for a directive","Article 2 \u2013 paragraph 1 \u2013 point k"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:34"},"new":["(k) 'fees' means all charges, fees, expenses","and costs for services linked to the","payment account, including penalties,","interest rates for credit cards or overdraft","facilities, if any, payable by the consumer","to the payment service provider;"],"old":["(k) \u2018fees\u2019 means the charges, if any,","payable by the consumer to the payment","service provider for the provision of","payment services or for transactions","operated on a payment 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direct debits and","recurring incoming credit transfers","executed on a payment account, with or","without transferring the positive account","balance from one payment account to the","other or closing the former account;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"236","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-515","location":[["Proposal for a directive","Article 13 \u2013 paragraph 2"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:34"},"new":["2. 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The information shall be provided free","of charge on a durable medium at all","branches of the payment service providers","accessible to consumers and be available in","electronic form on their websites at all","times."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"515","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-237","location":[["Proposal for a directive","Article 2 \u2013 paragraph 1 \u2013 point m"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:34"},"new":["(m) \u2018switching\u2019 means, upon a consumer's","request, transferring from one payment","service provider to another the information","about all or some standing orders for credit","transfers, recurring direct debits and","recurring incoming credit transfers","executed on a payment account, with or","without transferring the positive account","balance from one payment account to the","other or closing the former account; only","an account with a positive or nil balance","can be subject to switching;"],"old":["(m) \u2018switching\u2019 means, upon a consumer's","request, transferring from one payment","service provider to another the information","about all or some standing orders for credit","transfers, recurring direct debits and","recurring incoming credit transfers","executed on a payment account, with or","without transferring the positive account","","balance from one payment account to the","other or closing the former account;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"237","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Peter Simon, Udo Bullmann","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-516","location":[[" Proposal for a directive","Article 13 \u2013 paragraph 2"]],"meps":[96836,4267],"meta":{"created":"2019-07-03T05:16:35"},"new":["2. The information shall be provided free","of charge on a durable medium at all","branches of the payment service providers","accessible to consumers and be available","and easily findable in electronic form on","their websites at all times."],"old":["2. The information shall be provided free","of charge on a durable medium at all","branches of the payment service providers","accessible to consumers and be available in","electronic form on their websites at all","times."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"516","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-238","justification":" This amendment aims at clarifying that switching should be possible in the whole EU.","location":[[" Proposal for a directive","Article 2 \u2013 paragraph 1 \u2013 point m"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:34"},"new":["(m) \u2018switching\u2019 means, upon a consumer's","request, transferring from one payment","service provider to another within the","European Union the information about all","or some standing orders for credit transfers,","recurring direct debits and recurring","incoming credit transfers executed on a","payment account, with or without","transferring the positive account balance","from one payment account to the other or","closing the former account;"],"old":["(m) \u2018switching\u2019 means, upon a consumer's","request, transferring from one payment","service provider to another the information","about all or some standing orders for credit","transfers, recurring direct debits and","recurring incoming credit transfers","executed on a payment account, with or","without transferring the positive account","balance from one payment account to the","other or closing the former account;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"238","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sergio Gaetano Cofferati, Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-517","location":[[" Proposal for a directive","Article -14 a (new)"]],"meps":[96915,1913],"meta":{"created":"2019-07-03T05:16:35"},"new":["Article -14 a","Right to have access to a payment account","with basic features","All legal residents in the European Union","shall enjoy the right to have access to a","payment account with basic features free","of charge or as a maximum for a nominal","fee."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"517","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-239","location":[[" Proposal for a directive","Article 2 \u2013 paragraph 1 \u2013 point o"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:34"},"new":["(o) \u2018credit transfer\u2019 means a payment","service for crediting a payee's payment","account with a payment transaction or a","series of payment transactions from a","payer's payment account by the payment","service provider which holds the payer's","payment account, based on an instruction","given by the payer;"],"old":["(o) \u2018credit transfer\u2019 means a national or","","","cross-border payment service for crediting","a payee's payment account with a payment","transaction or a series of payment","transactions from a payer's payment","account by the payment service provider","which holds the payer's payment account,","based on an instruction given by the payer;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"239","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" J\u00fcrgen Klute","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-518","location":[[" Proposal for a directive","Article 14 \u2013 paragraph 1"]],"meps":[96769],"meta":{"created":"2019-07-03T05:16:35"},"new":["Member States shall ensure that consumers","legally resident or residing in the Union","have the right to open and use a payment","account with basic features. 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Member States shall establish that","consumers wishing to open an account in","the respective territory shall provide","evidence of a link to the Member State","concerned."],"old":["Member States shall ensure that","consumers legally resident in the Union are","not discriminated against by reason of their","nationality or place of residence when","applying for or accessing a payment","account within the Union."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"519","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-520","location":[["Proposal for a directive","Article 14 \u2013 paragraph 1"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:35"},"new":["Member States shall ensure that consumers","legally resident in the Union are not","discriminated against by reason of their","nationality when applying for or accessing","a payment account within the Union,","provided that the communication and the","contractual agreements made between the","payment service provider and the","consumer is done in an official language","of the Member State where the account is","offered or in any other language agreed","between the parties, as provided by","Directive 2007/64/EC on Payment","Services."],"old":["Member States shall ensure that","consumers legally resident in the Union are","","not discriminated against by reason of their","nationality or place of residence when","applying for or accessing a payment","account within the Union."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"520","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-241","location":[["Proposal for a directive","Article 2 \u2013 paragraph 1 \u2013 point r a (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:34"},"new":["(ra) 'business day' means a day on which","the relevant payment service provider of","the payer or the payment service provider","of the payee involved in the execution of a","payment transaction is open for business","as required for the execution of a payment","transaction, as defined in Article 4 (27) of","Directive 2007/64/EC;"],"old":[""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"241","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-521","justification":" This amendment aims at ensuring access to the basic payment account for vulnerable groups\n threatened by financial exclusion, such as homeless people, third country residents who wait\n for the renewal of their residence permit, wait for the outcome of their asylum and/or\n migration application or study in a host country. It is based on contributions by the Social\n Platform and the German Association of Independent Organisations of Welfare Work.","location":[[" Proposal for a directive","Article 14 \u2013 paragraph 1"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:35"},"new":["Member States shall ensure that consumers","legally resident or residing in the Union","are not discriminated against by reason of","their nationality, financial situation and","credit history or living circumstance when","applying for or accessing a payment","account within the Union."],"old":["Member States shall ensure that","consumers legally resident in the Union are","not discriminated against by reason of their","nationality or place of residence when","applying for or accessing a payment","account within the 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The BPA set out in this Directive represents a set of services already covered by\nthe vast majority of payment accounts that all banks offer. It is therefore not onerous for them\nto adapt their existing accounts to be \"BPA + extras\".","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 1"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:35"},"new":["1. Member States shall ensure that all","payment service providers offer a payment","account with basic features to consumers.","Member States shall ensure that payment","accounts with basic features are not only","offered by payment service providers that","provide the account solely with online","banking facilities."],"old":["1. Member States shall ensure that at least","one payment service provider in their","territory offers a payment account with","basic features to consumers. 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The list shall contain terms","and definitions for each of the services","identified."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"247","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-527","justification":"All providers in the payment accounts market should be obliged to offer basic accounts. If not,\nmany consumers will have major practical problems in accessing the basic accounts. With\njust one or a couple of providers offering the basic accounts, there is also the risk of basic\naccount customers being negatively stigmatised.","location":[["Proposal for a directive","Article 15 \u2013 paragraph 1"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:36"},"new":["1. 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Member","States shall ensure that payment accounts","with basic features are not only offered by","payment service providers that provide the","account solely with online banking","facilities."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"529","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-530","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 1"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:36"},"new":["1. Member States shall ensure that all","payment service providers in their territory","offer a payment account with basic","features to consumers. 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Member","States shall ensure that payment accounts","with basic features are not only offered by","payment service providers that provide the","account solely with online banking","facilities."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"530","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson, Emilie Turunen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-249","justification":"In order to get a proper overview of the fee structure of payment accounts, the services that\nare offered for free should also be included. Since certain services are offered for free in some\nMember States but are subject to a fee in other Member States, this aspect is particularly\nimportant when it comes to cross-border standardisation and comparison.","location":[["Proposal for a directive","Article 3 \u2013 paragraph 1"]],"meps":[96673,96703],"meta":{"created":"2019-07-03T05:16:35"},"new":["1. Member States shall ensure that the","competent authorities referred to in Article","20, determine a provisional list of at least","15 payment services accounting for at least","90% of the most representative payment","services, subject to a fee or offered free of","charge, at national level. The list, to be","made clear and concise, shall contain","terms and definitions for each of the","services identified."],"old":["1. 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The list","shall contain definitions for each of the","services identified."],"old":["1. Member States shall ensure that the","competent authorities referred to in Article","20, determine a provisional list of at least","20 payment services accounting for at least","80% of the most representative payment","services subject to a fee at national level.","The list shall contain terms and definitions","for each of the services identified."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"250","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Schmidt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-251","location":[[" Proposal for a directive","Article 3 \u2013 paragraph 1"]],"meps":[4274],"meta":{"created":"2019-07-03T05:16:35"},"new":["1. 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Member","States shall ensure that payment accounts","with basic features are not only offered by","payment service providers that provide the","account solely with online banking","facilities."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"532","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-252","justification":"Weighed against the administrative costs involved, it is not clear that the terminology\nstandardisation process delivers real benefit.","location":[[" Proposal for a directive","Article 3 \u2013 paragraph 1"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:35"},"new":["1. 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This amendment is based on contributions by the Social Platform,\n the German Association of Debt Counsellors, the German association of consumer protection\n organisations (VZBV) and the German Association of Independent Organisations of Welfare\n\nWork.","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 1"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:36"},"new":["1. Member States shall ensure that all","payment service providers, which have","branches or agencies in their territory","offer a payment account with basic","features to consumers. Member States shall","ensure that payment accounts with basic","features are not only offered by payment","service providers that provide the account","solely with online banking facilities."],"old":["1. Member States shall ensure that at least","one payment service provider in their","territory offers a payment account with","basic features to consumers. Member","States shall ensure that payment accounts","with basic features are not only offered by","payment service providers that provide the","account solely with online banking","facilities."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"533","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-253","justification":"The lists by the competent authorities should be final. The minimum of 20 services can lead\nto strange results, like splitting a service. What about if a PSP does not provide all\nstandardised payment services? The scope of this directive covers the payment services\ndefined in the PSD and the SEPA end-date regulation.","location":[["Proposal for a directive","Article 3 \u2013 paragraph 1"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:35"},"new":["1. Member States shall ensure that the","competent authorities referred to in Article","20, determine a list of payment services","accounting for at least 80% of the most","representative payment services subject to","a fee at national level. The list shall contain","terms and definitions for each of the","services identified."],"old":["1. 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Member States shall ensure that \u2013 taking","into account the principles of a level","playing field for competition and","proportionality \u2013 at least one payment","service provider in their territory offers a","payment account with basic features to","consumers. Member States shall ensure","that payment accounts with basic features","are not only offered by payment service","providers that provide the account solely","with online banking facilities."],"old":["1. Member States shall ensure that at least","one payment service provider in their","territory offers a payment account with","basic features to consumers. Member","States shall ensure that payment accounts","with basic features are not only offered by","payment service providers that provide the","account solely with online banking","facilities.",""],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"535","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-256","location":[["Proposal for a directive","Article 3 \u2013 paragraph 1"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:35"},"new":["1. Member States shall ensure that the","competent authorities referred to in Article","20, determine a provisional list of at least","20 payment services accounting for at least","80% of the most representative payment","services subject to a fee at national level.","The list shall contain terms and definitions","for each of the services identified and","clearly indicate whether they are subject","to national or EU regulation."],"old":["1. Member States shall ensure that the","competent authorities referred to in Article","20, determine a provisional list of at least","20 payment services accounting for at least","80% of the most representative payment","services subject to a fee at national level.","The list shall contain terms and definitions","for each of the services identified."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"256","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sylvie Goulard","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-536","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 1"]],"meps":[97137],"meta":{"created":"2019-07-03T05:16:36"},"new":["1. Member States shall ensure that at least","one payment service provider which is well","established in their territory offers a","payment account with basic features to","consumers. Member States shall ensure","that payment accounts with basic features","are not only offered by payment service","providers that provide the account solely","with online banking facilities."],"old":["1. Member States shall ensure that at least","one payment service provider in their","territory offers a payment account with","basic features to consumers. Member","States shall ensure that payment accounts","with basic features are not only offered by","payment service providers that provide the","account solely with online banking","facilities."],"orig_lang":"fr","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"536","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-257","justification":" Since there is no justification for limiting the list of payment services, the criteria for selecting\n them are not necessary.","location":[["Proposal for a directive","Article 3 \u2013 paragraph 2"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:35"},"new":["deleted"],"old":["2. For the purposes of paragraph 1, the","competent authorities shall have regard to","the services:","(1) most commonly used by consumers in","relation to their payment account;","(2) which generate the highest cost for","consumers per service;","(3) which generate the highest overall cost","for consumers;","(4) which generate the highest profit for","payment service providers per service;","(5) which generate the highest overall","profit for payment service providers.","The EBA shall develop guidelines","pursuant to Article 16 of Regulation (EU)","No 1093/2010 to assist the competent","","","authorities."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"257","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-537","justification":"A PSP active in many MSs should be required offering the service only in the specific MS.\nOne should be able to use the account independent of the MS where it is situated according to\nSEPA-principles.","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 1"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:36"},"new":["1. Member States shall ensure that at least","one payment service provider in their","territory within a Member State offers a","payment account with basic features to","consumers. Member States shall ensure","that payment accounts with basic features","are not only offered by payment service","providers that provide the account solely","with online banking facilities."],"old":["1. Member States shall ensure that at least","one payment service provider in their","territory offers a payment account with","basic features to consumers. Member","States shall ensure that payment accounts","with basic features are not only offered by","payment service providers that provide the","account solely with online banking","facilities."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"537","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-258","justification":" \u00b4Member State competent authorities should be given the flexibility to identify appropriate\n payment services to be included in the scope of the glossary.","location":[[" Proposal for a directive","Article 3 \u2013 paragraph 2"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:35"},"new":["deleted"],"old":["2. For the purposes of paragraph 1, the","competent authorities shall have regard to","the services:","(1) most commonly used by consumers in","relation to their payment account;","(2) which generate the highest cost for","consumers per service;","(3) which generate the highest overall cost","for consumers;","(4) which generate the highest profit for","payment service providers per service;","(5) which generate the highest overall","profit for payment service providers.","The EBA shall develop guidelines","pursuant to Article 16 of Regulation (EU)","No 1093/2010 to assist the competent","authorities."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"258","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer, Olle Schmidt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-538","location":[["Proposal for a directive","Article 15 \u2013 paragraph 1 \u2013 subparagraph 1 (new)"]],"meps":[109337,4274],"meta":{"created":"2019-07-03T05:16:36"},"new":["Member States shall ensure that when a","consumer is denied a payment account on","the free market, the refusal letter of the","payment service provider contains a","mandatory notice about the legal right to","a basic payment account and the","alternative dispute resolution body and its","contact details."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"538","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-259","location":[["Proposal for a directive","Article 3 \u2013 paragraph 2"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:35"},"new":["deleted"],"old":["2. For the purposes of paragraph 1, the","competent authorities shall have regard to","the services:","(1) most commonly used by consumers in","relation to their payment account;","(2) which generate the highest cost for","consumers per service;","(3) which generate the highest overall cost","for consumers;","(4) which generate the highest profit for","payment service providers per service;","(5) which generate the highest overall","profit for payment service providers.","The EBA shall develop guidelines","pursuant to Article 16 of Regulation (EU)","No 1093/2010 to assist the competent","authorities."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"259","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-539","location":[["Proposal for a directive","Article 15 \u2013 paragraph 1 a (new)"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:37"},"new":["1a. Member States should be permitted to","exempt payment service providers from","the obligation to provide a payment","account with basic features. Any","exemptions shall be granted on the basis","of objective and restrictive criteria and","may apply only to payment service","providers whose business model does not","pursue a commercial purpose or who","generally do not operate in the field of","retail banking, or where exemptions are","justified in the light of the nature of the","payment institution or the range of","payment services."],"old":["",""],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"539","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-540","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 1 a (new)"]],"meps":[96997],"meta":{"created":"2019-07-03T05:16:37"},"new":["1a. Member States should be permitted to","exempt from the obligation to provide a","basic bank account:","- payment service providers operating on","a non-profit basis, or not operating in","general retail banking, or requiring","membership on defined criteria, such as","profession;","- payment service providers having","carried out transactions totalling less than","\u20ac3m in the previous year."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"540","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-541","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 1 a (new)"]],"meps":[96836],"meta":{"created":"2019-07-03T05:16:37"},"new":["1a. Member States may exempt payment","service providers operating on a non-","profit basis, or requiring membership on","defined criteria, such as profession, from","the requirements set out in paragraph 1."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"541","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-542","justification":"One should ensure a level playing field for competition.","location":[["Proposal for a directive","Article 15 \u2013 paragraph 1 a (new)"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:37"},"new":["1a. Member States shall be able to","designate, based on the principles of","transparency, non-discrimination and","proportionality, one, several or all","payment service providers. The measures","to be adopted by Member States in this","respect shall not create distortions of","competition between payment service","providers and shall be based on the","principles of transparency, non-","discrimination and proportionality."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"542","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-260","location":[["Proposal for a directive","Article 3 \u2013 paragraph 2"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:35"},"new":["deleted"],"old":["2. For the purposes of paragraph 1, the","competent authorities shall have regard to","the services:","(1) most commonly used by consumers in","relation to their payment account;","","(2) which generate the highest cost for","consumers per service;","(3) which generate the highest overall cost","for consumers;","(4) which generate the highest profit for","payment service providers per service;","(5) which generate the highest overall","profit for payment service providers.","The EBA shall develop guidelines","pursuant to Article 16 of Regulation (EU)","No 1093/2010 to assist the competent","authorities."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"260","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"J\u00fcrgen Klute","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-543","location":[["Proposal for a directive","Article 15 \u2013 paragraph 1 a (new)"]],"meps":[96769],"meta":{"created":"2019-07-03T05:16:37"},"new":["1a. Member States shall ensure that a","system is in place within their territory to","offer a payment account with basic","features to consumers.","Member States shall ensure that the","system referred to in the first sub-","paragraph satisfies the following","conditions:","(a) An obligation is placed at least on","payment service providers which provide","payment accounts including all the","services indicated in Article 16 to offer","and provide a payment account with basic","features except in the cases referred to in","paragraph 3;","(b) Payment accounts with basic features","are not only offered by payment service","providers that provide the account solely","through online facilities;","(c) A mechanism is in place to enable","consumers with no fixed address, asylum","seekers and consumers who are not","granted a residence permit but whose","expulsion is impossible for legal reasons","to meet the requirements of Chapter II of","Directive 2005/60;","(d) A mechanism is in place to ensure that","unbanked, vulnerable consumers as well","as mobile consumers are informed about","the availability of payment accounts with","basic features;","(e) The exercise of the right shall not be","made excessively difficult or burdensome","for the consumer;","(f) A mechanism is in place to enable","payment providers to verify in a","transparent, reliable and rapid way","whether a consumer uses another","payment account in that Member State;","when it is not possible to use electronic","systems to establish whether or not a","consumer uses another account in the","Member State, payment service providers","shall accept a formal declaration by","consumers as a reliable means of","verifying that they do not hold another","payment account or have closed such an","account; if a consumer can prove the","submission of a cancellation of the","current contract or if they have instructed","the payment provider to start a switching","service in accordance with this Directive;","(g) Member States shall ensure that the","switching service provided for in Articles","10 and 11 of this Directive applies where","a consumer wishes to switch to a payment","account with basic features from another","payment account within the scope of the","switching service;","(h) Member States shall be entitled to","exempt payment service providers other","than those listed in point (b) from the","obligation to provide a payment account","with basic features where such objection","is objectively justified in view of the","nature of the payment institution or the","range of payment services it provides and","do not undermine the right of access for","consumers."],"old":["",""],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"543","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-261","justification":"The criteria are very difficult to put into practice and it would be a heavy process, and their\ndefinition by EBA would be difficult. Individual consumption habits influence the use of\npayment services, and they may vary every second week or month. PSPs have also loyalty\nprograms with different reductions for different clients. The criteria do not take into account\nthe different cost structures of PSPs. Furthermore the information is often business or\nprofessional secrets.","location":[[" Proposal for a directive","Article 3 \u2013 paragraph 2"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:36"},"new":["deleted"],"old":["2. For the purposes of paragraph 1, the","competent authorities shall have regard to","the services:","(1) most commonly used by consumers in","relation to their payment account;","(2) which generate the highest cost for","consumers per service;","(3) which generate the highest overall cost","for consumers;","(4) which generate the highest profit for","payment service providers per service;","(5) which generate the highest overall","profit for payment service providers.","The EBA shall develop guidelines","pursuant to Article 16 of Regulation (EU)","No 1093/2010 to assist the competent","authorities."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"261","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-544","location":[["Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[96997],"meta":{"created":"2019-07-03T05:16:37"},"new":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1 in the","State in which they have their habitual","residence. Such a right shall apply","irrespective of the consumer\u2019s place of","residence. The consumer shall, however,","have a link \u2013 in the form of personal ties","such as a centre of interests or place of","work or study \u2013 to the Member State","concerned and to the field of business of","the payment service provider in which he","intends to open a basic bank account. The","right of access to a payment account with","basic features should apply only to","consumers who do not already hold a","payment account in the Union and who","demonstrably have been denied the","opportunity to open a payment account.","When it is not possible to use electronic","systems to establish whether or not a","consumer already holds a payment","account, payment service providers should","accept a declaration by consumers as a","reliable means of verifying that they do","not already hold a payment account.","Member States shall ensure that the","exercise of the right is not made","excessively difficult or burdensome for the","consumer. Once it has been established","that a consumer has a need for it, the","payment service provider shall offer the","customer a payment account with basic","features."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer\u2019s place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory.","",""],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"544","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-262","location":[["Proposal for a directive","Article 3 \u2013 paragraph 2"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:36"},"new":["deleted"],"old":["2. For the purposes of paragraph 1, the","competent authorities shall have regard to","the services:","(1) most commonly used by consumers in","relation to their payment account;","(2) which generate the highest cost for","consumers per service;","(3) which generate the highest overall cost","for consumers;","(4) which generate the highest profit for","payment service providers per service;","(5) which generate the highest overall","profit for payment service providers."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"262","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-545","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:37"},"new":["2. Member States shall ensure that","consumers who can prove that they are","legally resident in the Union have the right","to open and use a payment account with","basic features with the payment service","provider or providers identified pursuant to","paragraph 1. Such a right shall apply for all","consumers who demonstrate a link to the","Member State (e.g. citizenship, place of","residence, property, place of work, close","family ties, place of study), whose","previous application for an account with","basic features with a payment service","provider in the same Member State has","been rejected and who do not already hold","a payment account in the EU. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in the EU.","Such verification shall take account of the","information and explanations provided by","the consumer."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer\u2019s place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory.",""],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"545","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-263","justification":" Weighed against the administrative costs involved, it is not clear that the terminology\n standardisation process delivers real benefit.","location":[["Proposal for a directive","Article 3 \u2013 paragraph 3"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:36"},"new":["deleted"],"old":["3. Member States shall notify to the","Commission the provisional lists referred","to in paragraph 1 within 6 months of the","entry into force of this Directive."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"263","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-546","justification":"Where the basic payment account would seem a tool to combat financial exclusion, there is no\n\n justification to oblige PSPs to grant a payment account with basic features to those who have\n access to a \u201cregular\u201d payment accounts. In addition, the consumer\u2019s place of residence or\n relationship with the country where the application for the basic payment account is made is\n of importance for the PSP in order to be able to fulfil the anti-money-laundering rules","location":[["Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:37"},"new":["2. Member States shall ensure that","consumers who are resident in or can","prove a sufficient relationship with the","Member State of the PSP where they","apply for access to a payment account with","basic features have the right to open and","use such account with the payment service","provider or providers identified pursuant to","paragraph 1. Member States shall ensure","that the exercise of the right is granted to","consumers who can give information","about the purpose and intended nature of","business relationship which justifies the","opening of a payment account in the","territory of the PSP and that this is not","made excessively difficult or burdensome","for the consumer. Member States shall","ensure that the right to open a payment","account with basic features is guaranteed","solely for customers who were previously","denied access to a payment account in their","territory."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"546","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-264","justification":" 6 months is a very short time for the creation of the lists, one year would be more practical.","location":[[" Proposal for a directive","Article 3 \u2013 paragraph 3"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:36"},"new":["3. Member States shall notify to the","Commission the lists referred to in","paragraph 1 within one year of the entry","into force of this Directive."],"old":["3. Member States shall notify to the","Commission the provisional lists referred","to in paragraph 1 within 6 months of the","entry into force of this Directive."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"264","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-265","location":[[" Proposal for a directive","Article 3 \u2013 paragraph 3"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:36"},"new":["3. Member States shall notify to the","Commission the provisional lists referred","to in paragraph 1 within a year of the entry","into force of this Directive."],"old":["3. Member States shall notify to the","","Commission the provisional lists referred","to in paragraph 1 within 6 months of the","entry into force of this Directive."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"265","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-547","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:37"},"new":["2. Member States shall ensure that","consumers legally resident in the Union","who have previously been denied access to","a regular payment account and can justify","a genuine link with the Member State of","the payment service provider, have the","right to open and use a payment account","with basic features with the payment","service provider or providers identified","pursuant to paragraph 1, provided that","the consumer:","(a) does not already hold a payment","account in that Member State;","(b) provides:","(i) a declaration of honour that can be","used by payment service providers as a","reliable means of verifying that he/she","does not already hold a payment account","with basic features or;","(ii) a simple declaration of at least one","financial institution in the Member States","concerned which demonstrates that in the","Member State concerned he/she has been","refused a payment account."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such","a right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"547","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-266","justification":"Weighed against the administrative costs involved, it is not clear that the terminology\nstandardisation process delivers real benefit.","location":[["Proposal for a directive","Article 3 \u2013 paragraph 4"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:36"},"new":["deleted"],"old":["4. The Commission shall be empowered to","adopt delegated acts, in accordance with","Article 24, concerning the setting out, on","the basis of the provisional lists submitted","pursuant to paragraph 3, of an EU","standardised terminology for those","payment services that are common to at","least a majority of Member States. The","EU standardised terminology will include","common terms and definitions for the","common services."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"266","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-548","location":[["Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:37"},"new":["2. Member States shall ensure that","consumers legally resident in the Union","and can justify a genuine link with the","Member State of the Payment Service","Provider, have the right to open and use a","payment account with basic features with","the payment service provider or providers","identified pursuant to paragraph 1,","provided that the consumer","(a) does not already hold a payment","account;","(b) provides a declaration of honour that","can be used by Payment Service Providers","as a reliable means of verifying that","he/she does not already hold a payment","account based on a purposive test which","should demonstrate a clear need for a","payment account with basic features.","Member States shall ensure that the","exercise of the right is not made","excessively difficult or burdensome for the","consumer."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"548","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-267","justification":" Standardisation at the EU-level would be problematic due to national differences, language\n problems, different interpretations etc. Consumer habits and expectations vary from MS to\n MS. For example in Finland cheques or direct debits are very seldom used and the use of\n cash is becoming smaller. In Finland the share of direct debits of all payments non-cash\n payments is only 4% but much greater in France or Germany.","location":[["Proposal for a directive","Article 3 \u2013 paragraph 4"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:36"},"new":["deleted"],"old":["4. The Commission shall be empowered to","adopt delegated acts, in accordance with","","","Article 24, concerning the setting out, on","the basis of the provisional lists submitted","pursuant to paragraph 3, of an EU","standardised terminology for those","payment services that are common to at","least a majority of Member States. 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The EU standardised list","will include common definitions that thus","provide explanations for the common","services, used at least in a majority of the","Member States. This list would make it","easier for consumers to compare cross-","border the same services."],"old":["4. The Commission shall be empowered to","adopt delegated acts, in accordance with","Article 24, concerning the setting out, on","the basis of the provisional lists submitted","pursuant to paragraph 3, of an EU","standardised terminology for those","payment services that are common to at","least a majority of Member States. The EU","standardised terminology will include","common terms and definitions for the","common services."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"268","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sharon Bowles","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-549","location":[["Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[33570],"meta":{"created":"2019-07-03T05:16:37"},"new":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence, but is","however dependent on the consumer","having a genuine link with the Member","State of the provider.","A genuine link may be established in","advance for a Member State in which an","individual is taking up residence or","employment. An account may be opened","remotely one month in advance with","evidence of the intended residence or job","offer. In such circumstances the","individual shall subsequently attend in","person, within a further month, for","account verification purposes once in the","Member State. Limits may be placed on","the amounts that can be transferred prior","to verification.","Member States shall ensure that the","exercise of the right is not made","excessively difficult or burdensome for the","consumer. Before opening the payment","account with basic features, payment","service providers shall verify whether the","consumer holds or does not hold a payment","account in their territory."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"549","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-269","location":[["Proposal for a directive","Article 3 \u2013 paragraph 4"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:36"},"new":["4. The Commission shall be empowered to","adopt delegated acts, in accordance with","Article 24, concerning the setting out, on","the basis of the provisional lists submitted","pursuant to paragraph 3, of an EU","standardised terminology for those services","that are linked to the payment account","that are common to at least a majority of","Member States. The EU standardised","terminology will include common terms","and definitions for the common services.","To each service only one name shall","apply."],"old":["4. The Commission shall be empowered to","adopt delegated acts, in accordance with","Article 24, concerning the setting out, on","the basis of the provisional lists submitted","pursuant to paragraph 3, of an EU","standardised terminology for those","payment services that are common to at","least a majority of Member States. 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Such a","right shall apply irrespective of the","consumer\u2019s place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold an active and equivalent payment","account with access to all the features","listed in Article 16 in their territory. Such","verification shall take account of the","information provided by the consumer.","The payment service provider may not","confine himself exclusively to information","from credit bureaus where the consumer","provides valid reasons for contradicting","an existing entry."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer\u2019s place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"550","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Udo Bullmann, Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-551","location":[["Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[4267,96836],"meta":{"created":"2019-07-03T05:16:38"},"new":["2. Member States shall ensure that","consumers legally resident in the Union","and persons whose expulsion is not","possible for reasons of fact or of law and","who have not been issued with a residence","permit have the right to open and use a","payment account with basic features with","the payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer\u2019s place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer\u2019s place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"551","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-270","location":[["Proposal for a directive","Article 3 \u2013 paragraph 4"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:36"},"new":["4. 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The EU","standardised terminology will include","common terms and definitions for the","common services."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"270","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-552","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:38"},"new":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service providers identified","pursuant to paragraph 1. Such a right shall","apply irrespective of the consumer's","financial circumstances and place of","residence. Member States shall ensure that","the exercise of the right is not made","excessively difficult or burdensome for the","consumer. Before opening the payment","account with basic features, payment","service providers shall verify whether the","consumer holds or does not hold a payment","account in their territory."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"552","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-271","location":[[" Proposal for a directive","Article 3 \u2013 paragraph 4"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:36"},"new":["4. The Commission may, in the light of","guidelines, on the basis of the provisional","lists submitted pursuant to paragraph 3,","propose an EU standardised terminology","for those payment services that are","common to at least a majority of Member","States. 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Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify by asking the consumer to sign a","declaration of honour, whether the","consumer holds or does not hold a payment","account in their territory."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"553","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-272","location":[[" Proposal for a directive","Article 3 \u2013 paragraph 4"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:36"},"new":["4. The Commission shall be empowered to","adopt delegated acts, in accordance with","Article 24, concerning the setting out, on","the basis of the provisional lists submitted","pursuant to paragraph 3, of an EU","standardised terminology for those","payment services that are common to at","least a majority of Member States. 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The EU","standardised terminology will include","common terms and definitions for the","common services."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"272","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-554","justification":" One should be able to follow the anti-money laundering legislation, KYC-duties and guidance\n of the competent authority also in this issue. The duty to verify may be problematic in view of\n the bank secrecy and other secrecy duties, as well as data protection legislation. Therefore\n one should be able to rely on the information given by the customer.","location":[["Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:38"},"new":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory. Member States shall ensure that","the payment service provider may rely on","the declaration of the consumer to","determine whether he/she already holds a","payment account within its territory."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"554","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-273","location":[["Proposal for a directive","Article 3 \u2013 paragraph 5"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:36"},"new":["deleted"],"old":["5. After the publication in the Official","Journal of the European Union of the","delegated acts referred to in paragraph 4,","each Member State shall without delay","integrate the EU standardised","terminology adopted pursuant to","paragraph 4 into the provisional list","referred to in paragraph 1 and shall","publish this list."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"273","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-555","justification":"This amendment aims at ensuring effective access to the basic payment account. It is based on\na contribution by the Social Platform and the German Association of Independent\nOrganisations of Welfare Work.","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:38"},"new":["2. Member States shall ensure that","consumers legally resident or residing in","the Union and persons, whose expulsion is","impossible for factual or legal reasons","and who are not granted a residence","permit, have the right to open and use a","payment account with basic features with","the payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold an active and equivalent payment","account in their territory with access to all","functions named in Article 16. For the","verification, information provided by","consumers about themselves has to be","taken into account by the payment service","provider. The payment service providers","are not allowed to only base their","verification on official data bases when","the consumer plausibly challenges an","existing entry in a database."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory.",""],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"555","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-274","location":[["Proposal for a directive","Article 3 \u2013 paragraph 5"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:36"},"new":["deleted"],"old":["5. After the publication in the Official","Journal of the European Union of the","delegated acts referred to in paragraph 4,","each Member State shall without delay","integrate the EU standardised","terminology adopted pursuant to","paragraph 4 into the provisional list","referred to in paragraph 1 and shall","publish this list."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"274","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-275","location":[[" Proposal for a directive","Article 3 \u2013 paragraph 5"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:36"},"new":["5. After the publication in the Official","Journal of the European Union of the","delegated acts referred to in paragraph 4,","each Member State shall without delay","publish the EU standardised list pursuant","to paragraph 4."],"old":["5. After the publication in the Official","Journal of the European Union of the","delegated acts referred to in paragraph 4,","each Member State shall without delay","integrate the EU standardised terminology","adopted pursuant to paragraph 4 into the","provisional list referred to in paragraph 1","and shall publish this list."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"275","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-556","location":[["Proposal for a directive","Article 15 \u2013 paragraph 2 \u2013 subparagraph 1 (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:38"},"new":["The right to open a payment account with","basic features shall apply irrespective of","the consumer's place of residence.","Member States shall ensure that the","exercise of the right is not made","excessively difficult or burdensome for the","consumer.","Consumers also should be required to","attend in person at an office of the","payment service provider in the Member","State of their choosing."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"556","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-276","justification":"Despite the introduction of a standardised EU terminology for payment account service fees,\ndifferences in the national legal structures in regards to the applicability of these fees will\nhave to be taken into account. This amendment is based on a contribution by the German\nassociation of consumer protection organisations (VZBV).","location":[[" Proposal for a directive","Article 3 \u2013 paragraph 5"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:36"},"new":["5. After the publication in the Official","Journal of the European Union of the","delegated acts referred to in paragraph 4,","each Member State shall without delay","integrate the EU standardised terminology","adopted pursuant to paragraph 4 into the","provisional list referred to in paragraph 1","and shall publish this list. Payment","account service fees, which are included","in this list may not be legally allowed in","all member states. Whether a certain","service fee is applicable in a member state","shall be determined by the respective legal","provisions of the member state."],"old":["5. After the publication in the Official","Journal of the European Union of the","delegated acts referred to in paragraph 4,","each Member State shall without delay","integrate the EU standardised terminology","adopted pursuant to paragraph 4 into the","provisional list referred to in paragraph 1","and shall publish this list."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"276","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-557","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 2 a (new)"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:38"},"new":["2a. Member States shall ensure that the","competent authorities referred to in","Article 20, determine national criteria","entitling a consumer to open a payment","account with basic features.","The EBA shall develop guidelines","pursuant to Article 16 of Regulation (EU)","No 1093/2010 to assist the competent","authorities."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"557","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-277","justification":"This amendment is based on contributions by the Social Platform and the German\nAssociation of Independent Organisations of Welfare Work.","location":[["Proposal for a directive","Article 4 \u2013 paragraph 1"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:37"},"new":["1. Member States shall ensure that before","entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a","comprehensive fee information document","highlighting the list of the most","representative services referred to in","paragraph 5 of Article 3 and the","corresponding fees for each service. If the","payment service provider modifies the","fees, consumers shall be informed","comprehensively and in written form","about the changes."],"old":["1. Member States shall ensure that before","entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a fee","information document containing the list","of the most representative services referred","to in paragraph 5 of Article 3 and the","corresponding fees for each service."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"277","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-278","justification":" The fee information document should give the consumer the full picture of all costs related to\n a payment account.","location":[["Proposal for a directive","Article 4 \u2013 paragraph 1"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:37"},"new":["1. Member States shall ensure that before","entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a fee","information document containing the list of","the most representative services referred to","in paragraph 5 of Article 3 and the","corresponding fees for each service as well","as, where applicable, all other services","and corresponding fees linked to the","account."],"old":["1. Member States shall ensure that before","entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a fee","information document containing the list of","the most representative services referred to","in paragraph 5 of Article 3 and the","corresponding fees for each service."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"278","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-558","justification":"Consumers, working in an EU country may have to have a payment account in their home\ncountry and in the country where they work and often live as well. The account in the home\ncountry would be a rather dormant one, mostly for used specific payments. This should not be\na reason to refuse the opening of a new account in another EU country. Moreover, in practice\nit takes some time until a payment service provider has made a bank account completely\ninoperative. Thus, it should be sufficient that a consumer only proves the cancellation of the\nprevious bank account or a switching. AM based on contributions by the Social Platform and\nthe German Association of Independent Organisations of Welfare Work.","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 3 \u2013 point a"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:38"},"new":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, and has","made use of one or more the payment","services listed in Article 16 within the","previous 12 months. Moreover,","consumers are not the owners of a","payment account, if they can prove the","submission of a cancellation of the","current contract or if they have instructed","the bank to provide a switching service","according to Chapter III;"],"old":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, which","allows him to make use of the payment","services listed in Article 17(1);"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"558","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-279","location":[[" Proposal for a directive","Article 4 \u2013 paragraph 1"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:37"},"new":["1. Member States shall ensure that before","entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a fee","information document containing the list of","the most representative services referred to","in paragraph 1 of Article 3 and the","corresponding fees for each service. In the","event of changes to the fees to be paid,","consumers must receive appropriate","information about the new provisions","governing fees."],"old":["1. Member States shall ensure that before","entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a fee","information document containing the list of","the most representative services referred to","in paragraph 5 of Article 3 and the","corresponding fees for each service."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"279","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-280","location":[["Proposal for a directive","Article 4 \u2013 paragraph 1"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:37"},"new":["1. Member States shall ensure that in an","appropriate time prior to entering into a","contract for a payment account with a","consumer, payment service providers","provide and inform the consumer with a","fee information document containing the","list of the most representative services","referred to in paragraph 5 of Article 3 and","the corresponding fees for each service."],"old":["1. Member States shall ensure that before","entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a fee","information document containing the list of","the most representative services referred to","in paragraph 5 of Article 3 and the","corresponding fees for each service."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"280","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-559","location":[["Proposal for a directive","Article 15 \u2013 paragraph 3 \u2013 point a"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:38"},"new":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in the EU which allows","him to make use of the payment services","listed in Article 7(1). The consumer shall","not be considered a payment account","holder if he can prove receipt of","notification regarding termination of the","current contract;"],"old":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, which","allows him to make use of the payment","services listed in Article 17(1);"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"559","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-281","justification":"Due to the proposed deletion of 3.5.","location":[["Proposal for a directive","Article 4 \u2013 paragraph 1"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:37"},"new":["1. Member States shall ensure that before","entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a fee","information document containing the list of","the most representative services referred to","in paragraph 1 of Article 3 and the","corresponding fees for each service."],"old":["1. Member States shall ensure that before","entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a fee","information document containing the list of","the most representative services referred to","in paragraph 5 of Article 3 and the","corresponding fees for each service."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"281","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Peter Simon, Udo Bullmann","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-282","location":[[" Proposal for a directive","Article 4 \u2013 paragraph 1 \u2013 subparagraph 1a (new)"]],"meps":[96836,4267],"meta":{"created":"2019-07-03T05:16:37"},"new":["In the event of a change to the fees to be","paid, payment service providers shall","inform consumers of the reason for, and","amount of, the change in writing."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"282","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-560","location":[["Proposal for a directive","Article 15 \u2013 paragraph 3 \u2013 point a"]],"meps":[96997],"meta":{"created":"2019-07-03T05:16:38"},"new":["(a) Where a consumer already holds a","payment account with a payment service","provider located in the Union which","allows him to make use of the payment","services listed in Article 7(1);"],"old":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, which","allows him to make use of the payment","services listed in Article 17(1);"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"560","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-283","justification":" This is necessary to ensure that the FID is comprehensive (BEUC).","location":[[" Proposal for a directive","Article 4 \u2013 paragraph 1 a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:37"},"new":["1a. Member States shall ensure that","payment service providers are not","permitted to charge any fees not listed in","the fee information document."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"283","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-561","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 3 \u2013 point a"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:38"},"new":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, which","allows him to make use of the payment","services listed in Article 16(1);"],"old":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, which","allows him to make use of the payment","services listed in Article 17(1);"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"561","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson, Emilie Turunen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-284","justification":"Consumers must be able to trust that there are no \u201chidden\u201d fees not included in the fee\ninformation document.","location":[[" Proposal for a directive","Article 4 \u2013 paragraph 1 a (new)"]],"meps":[96673,96703],"meta":{"created":"2019-07-03T05:16:37"},"new":["1a. Member States shall ensure that","payment service providers do not apply","any fees that are not explicitly mentioned","in the fee information document."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"284","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-562","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 3 \u2013 point a"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:38"},"new":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, which","allows him to make use of the payment","services listed in Article 16(1);"],"old":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, which","allows him to make use of the payment","services listed in Article 17(1);"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"562","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-285","location":[["Proposal for a directive","Article 4 \u2013 paragraph 1 a (new)"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:37"},"new":["1a. The payment service providers are not","allowed to charge any fees that are not","stated in the given fee information","document."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"285","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sylvie Goulard","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-563","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 3 \u2013 point a"]],"meps":[97137],"meta":{"created":"2019-07-03T05:16:38"},"new":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, which","allows him to make use of the payment","services listed in Article 16;"],"old":["(a) Where a consumer already holds a","payment account, with a payment service","","provider located in their territory, which","allows him to make use of the payment","services listed in Article 17(1);"],"orig_lang":"fr","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"563","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-286","justification":" It should be clarified that there is a difference between accounts that offer a range of services\n and accounts that are packaged together with other financial services like insurance. In the\n latter case, it is not possible to unbundle the services. A requirement should be introduced, if\n this is the case, to ensure that the PSP alerts the consumer to the costs involved in opening a\n packaged payment account and has checked whether the customer is eligible for the packaged\n product.","location":[["Proposal for a directive","Article 4 \u2013 paragraph 2"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:37"},"new":["2. Where one or more payment services","referred to in paragraph 1 is offered as part","of a package of payment services for","which there is a package fee, the fee","information document shall disclose the","fee for the entire package, the services","included in the package, and the fee for","any of those payment services that are not","covered by the package fee."],"old":["2. Where one or more payment services","referred to in paragraph 1 is offered as part","of a package of financial services, the fee","information document shall disclose which","of the services referred to in paragraph 1","are included in the package, the fee for the","","entire package and the fee for any service","that is not referred to in paragraph 1."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"286","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt, Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-564","location":[["Proposal for a directive","Article 15 \u2013 paragraph 3 \u2013 point a"]],"meps":[1913,96836],"meta":{"created":"2019-07-03T05:16:38"},"new":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, which","allows him to make use of the payment","services listed in Article 16(1);"],"old":["(a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, which","allows him to make use of the payment","services listed in Article 17(1);"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"564","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-287","location":[[" Proposal for a directive","Article 4 \u2013 paragraph 2"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:37"},"new":["2. Where one or more services referred to","in paragraph 1 is offered as part of a","package of financial services, the fee","information document shall disclose the fee","for the entire package and the separate fees","for all services included in the package."],"old":["2. Where one or more payment services","referred to in paragraph 1 is offered as part","of a package of financial services, the fee","information document shall disclose which","of the services referred to in paragraph 1","are included in the package, the fee for the","entire package and the fee for any service","that is not referred to in paragraph 1."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"287","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-565","location":[["Proposal for a directive","Article 15 \u2013 paragraph 3 \u2013 point a a (new)"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:38"},"new":["(aa) where least one of the conditions","stipulated in Article 18(a), (c) and (d) is","met;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"565","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-566","justification":" The reasons for rejection need to be more specific. 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Where one or more payment services","referred to in paragraph 1 is offered as part","of a package of financial services, the fee","information document shall disclose which","of the services referred to in paragraph 1","","are included in the package, the fee for the","entire package and the fee for any service","that is not referred to in paragraph 1."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"290","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-570","location":[["Proposal for a directive","Article 15 \u2013 paragraph 3 \u2013 point aa (new)"]],"meps":[96997],"meta":{"created":"2019-07-03T05:16:39"},"new":["(aa) where a consumer is unable to prove","that his application to open a payment","account has been refused;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"570","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-291","justification":" In case of packages on should not require informing about prices of individual services since\n the package is offered on a monthly fixed price. 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Member States shall ensure that payment","service providers provide the consumer","with a statement of all fees incurred on","their payment account at least annually."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"323","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sylvie Goulard, Jean Lambert","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-607","location":[["Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point c"]],"meps":[97137,4531],"meta":{"created":"2019-07-03T05:16:42"},"new":["(c) services enabling cash withdrawals","within the Union from a payment account","at counters and automatic teller","machines, including outside branch","opening hours;"],"old":["(c) services enabling cash withdrawals","within the Union from a payment account;"],"orig_lang":"fr","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"607","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen, Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-324","location":[["Proposal for a directive","Article 5 \u2013 paragraph 1"]],"meps":[1928,96997],"meta":{"created":"2019-07-03T05:16:40"},"new":["1. 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Member States shall ensure that payment","service providers provide the consumer","with a statement of all fees incurred on","their payment account at least annually."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"324","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-608","location":[["Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point c"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:42"},"new":["(c) services enabling cash withdrawals","from a payment account;"],"old":["(c) services enabling cash withdrawals","within the Union from a payment account;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"608","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-325","location":[["Proposal for a directive","Article 5 \u2013 paragraph 1"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:40"},"new":["1. Member States shall ensure that payment","service providers provide the consumer","with a statement of all fees incurred on","their payment account at least annually.","This statement may be forwarded to","consumers through communication","channels agreed among the parties (i.e.","electronically, statement printer, etc.).","Payment service providers shall","implement the technical measures","necessary to meet this obligation within","twelve months of the adoption of the act","pursuant to paragraph 4 of this article."],"old":["1. Member States shall ensure that payment","service providers provide the consumer","with a statement of all fees incurred on","their payment account at least annually.",""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"325","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-609","justification":" Banks may limit the access to their ATMs and terminals to their opening hours, which might\n pose problems for consumers, especially those who do not have regular access to online\n banking facilities. This amendment is based on a contribution by BEUC, the German\n Association of Debt Counsellors, the German Association of Independent Organisations of\n Welfare Work, the Social Platform and the Financial Services User Group","location":[["Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point c a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:42"},"new":["(ca) services enabling the use of ATM and","bank terminals beyond the regular","opening hours of the payment service","provider;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"609","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-326","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 1"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:40"},"new":["1. Member States shall ensure that payment","service providers provide the consumer","with a statement of all fees incurred on","their payment account upon request at","least annually. This statement may be","forwarded to consumers through","communication channels agreed among","the parties (i.e. electronically, statement","printer, etc.).","Payment service providers shall","implement the technical measures","necessary to meet this obligation within","twelve months of the adoption of the act","pursuant to paragraph 4 of this article"],"old":["1. Member States shall ensure that payment","service providers provide the consumer","with a statement of all fees incurred on","their payment account at least annually."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"326","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-610","justification":" Monthly account statements should also form part of the services included in the basic\n payment account to ensure that the customer is well informed about the costs of the account.\n This amendment is based on a contribution by BEUC.","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point c b (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:42"},"new":["(cb) monthly account statements."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"610","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-327","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 1"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:40"},"new":["1. Member States shall ensure that payment","service providers provide the consumer","free of charge with a statement of all fees","incurred on their payment account","preferably monthly but at least quarterly."],"old":["1. Member States shall ensure that payment","service providers provide the consumer","with a statement of all fees incurred on","","their payment account at least annually."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"327","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-611","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:42"},"new":["deleted"],"old":["(d) execution of the following payment","transactions within the Union:","(1) direct debit;","(2) payment transactions through a","payment card, including online payments;","(3) credit transfers."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"611","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-328","justification":"It would be practical to give the information would be practical in connection with the bank\nstatement, which according to PSD should be provided at least once a month. One should\nallow to provide this information in electronic form for example by e-banking (PSD article\n43). The client already gets the information on his or her service charges, when necessary\nspecified, on his or her bank statement, (PSD articles 38(c), 39(c), 47(c), 48(c) and 43(3)(a)).","location":[["Proposal for a directive","Article 5 \u2013 paragraph 1"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:40"},"new":["1. Member States shall ensure that payment","service providers provide upon request by","the consumer with a statement of all fees","incurred on their payment account at least","annually. The statement may be provided","or made available electronically."],"old":["1. Member States shall ensure that payment","service providers provide the consumer","with a statement of all fees incurred on","their payment account at least annually."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"328","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-329","justification":" In Finland the service charges are charged from the account afterwards monthly and this has\n been agreed with the client in advance. There is information on the time period covered by the\n service charges, breakdown of services and service fees. This is a separate part of the bank\n statement. In Finland there is usually a service package and it should suffice to inform the\n client of the price of the package. A separate charge on an individual payment it is informed\n in connection with this payment.","location":[["Proposal for a directive","Article 5 \u2013 paragraph 2 a (new)"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:40"},"new":["2a. If payment services are provided as a","single package, the statement referred to","in paragraph 1 shall include, deviating","from points (a) and (b) in subparagraph 1","in paragraph 2, the fees charged for the","entire package during the relevant period."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"329","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-612","justification":"The SEPA regulation aims at developing common EU-wide payment services. This directive\nplays a key role in achieving this objective and therefore it must be aligned with SEPA.\nLikewise, both transactions in Euro (SEPA transactions) and in other Member States\u2019\ncurrencies should be possible with a basic payment account within the EU. This amendment\nis based on a contribution by BEUC.","location":[["Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 1"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:42"},"new":["(1) SEPA and non-Euro direct debit;"],"old":["(1) direct debit;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"612","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-330","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 2 a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:41"},"new":["2a. Member States shall ensure that","consumers are notified in writing when a","payment service provider intends to","modify any fees at least one calendar","month in advance of their application;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"330","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-613","location":[["Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 1"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:42"},"new":["(1) SEPA and non-Euro direct debit;"],"old":["(1) direct debit;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"613","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer, Olle Schmidt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-331","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 2 a (new)"]],"meps":[109337,4274],"meta":{"created":"2019-07-03T05:16:41"},"new":["2a. Member States shall insure that","consumers are informed comprehensively","and well in advance in written or","electronically when a service provider","intends to increase any fees before the","annual statement is published."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"331","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-614","location":[["Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 2"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:42"},"new":["(2) payment transactions through a direct","debit card, including online payments;"],"old":["(2) payment transactions through a","payment card, including online payments;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"614","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-332","justification":"This requirement would overload the consumer with little added benefit given that much of\nthis information is already available.","location":[["Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point a"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:41"},"new":["deleted"],"old":["(a) the unit fee charged for each service,","the number of times the service was used","during the relevant period and the date on","which the service was used;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"332","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-615","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 2"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:42"},"new":["(2) payment transactions through a debit","card, including online payments;"],"old":["(2) payment transactions through a","payment card, including online payments;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"615","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-333","justification":"This requirement would provide the client an uncontrollable amount of information. Services\nare for example credit transfers, direct debits, card payments, cash withdrawals. According to\nthe PSD service charges for individual payments should be informed, articles 38(c), 39(c),\n47(c), 48(c) ja 43(3)(a). There is no need for overlapping information.","location":[["Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point a"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:41"},"new":["deleted"],"old":["(a) the unit fee charged for each service,","the number of times the service was used","during the relevant period and the date on","which the service was used;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"333","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-334","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point a"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:41"},"new":["(a) the unit fee charged for each service,","the number of times the service was used","during the relevant period and the date on","which the service was used, or when the","consumer bought different services","combined in a package the fee charged","for the package of services;"],"old":["(a) the unit fee charged for each service,","the number of times the service was used","during the relevant period and the date on","which the service was used;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"334","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-616","justification":" The SEPA regulation aims at developing common EU-wide payment services. This directive\n plays a key role in achieving this objective and therefore it must be aligned with SEPA.\n Likewise, both transactions in Euro (SEPA transactions) and in other Member States\u2019\n currencies should be possible with a basic payment account within the EU. This amendment\n is based on a contribution by BEUC.","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 2"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:42"},"new":["(2) SEPA and non-Euro payment","transactions through a payment card,","including online payments;"],"old":["(2) payment transactions through a","payment card, including online payments;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"616","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-617","location":[["Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 2"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:42"},"new":["(2) SEPA and non-Euro payment","transactions through a payment card,","including online payments;"],"old":["(2) payment transactions through a","payment card, including online payments;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"617","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-335","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point b"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:41"},"new":["(b) the total amount of fees incurred for","each service provided during the relevant","period, or when the consumer bought","different services combined in a package","the extra cost per service when exceeding","the maximum amount of services included","in the package and the extra cost per","service used that was not included in the","package;"],"old":["(b) the total amount of fees incurred for","each service provided during the relevant","period;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"335","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-618","justification":"Specifically, in regards to e-commerce card payments represent only a part of the currently\napplied payment processes. In order to enable the holder of the basic payment account to\nparticipate effectively in online payments, he should also be enabled to use payment\nprocesses, which are based on a direct debit, such as the ELV system. This amendment is\nbased on a contribution by the Association of German Retailers.","location":[["Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 2"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:42"},"new":["(2) payment transactions through a","payment card and online payments;"],"old":["(2) payment transactions through a","payment card, including online payments;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"618","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-336","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point c"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:41"},"new":["(c) the total amount of fees incurred for all","services provided during the relevant","period, or when the consumer bought","different services combined in a package","the total amount of extra costs when","exceeding the maximum amount of","services included in the package and the","total amount of extra costs of services","used that were not included in the","package."],"old":["(c) the total amount of fees incurred for all","services provided during the relevant","period."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"336","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-619","justification":" The SEPA regulation aims at developing common EU-wide payment services. This directive\n plays a key role in achieving this objective and therefore it must be aligned with SEPA.\n Likewise, both transactions in Euro (SEPA transactions) and in other Member States\u2019\n currencies should be possible with a basic payment account within the EU. This amendment\n is based on a contribution by BEUC.","location":[["Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 3"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:43"},"new":["(3) SEPA and non-Euro credit transfers."],"old":["(3) credit transfers."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"619","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-337","location":[["Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point c a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:41"},"new":["(ca) the average balance and the total","amount of interest earned during the","relevant period;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"337","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-620","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 3"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:43"},"new":["(3) SEPA and non-Euro credit transfers."],"old":["(3) credit transfers."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"620","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-338","location":[["Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point c a (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:41"},"new":["(ca) the total amount of interest earned","during the relevant period;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"338","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Udo Bullmann, Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-621","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 3"]],"meps":[4267,96836],"meta":{"created":"2019-07-03T05:16:43"},"new":["(3) credit transfers and standing orders at","bank branch terminals or branch offices","and on the online banking system","currently used by the bank concerned."],"old":["(3) credit 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Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-339","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point c a (new)"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:41"},"new":["(ca) the interest earned and paid on the","account during the relevant period;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"339","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-623","location":[["Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 3 a (new)"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:43"},"new":["(3a) SEPA and non-Euro standing orders","and direct debit authorisations."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"623","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Peter Simon, Udo Bullmann","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-340","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point c a (new)"]],"meps":[96836,4267],"meta":{"created":"2019-07-03T05:16:41"},"new":["(ca) the overdraft interest rate and the","total amount of overdraft interest paid","during the relevant period."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"340","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-624","justification":" The SEPA regulation aims at developing common EU-wide payment services. This directive\n plays a key role in achieving this objective and therefore it must be aligned with SEPA.\n Likewise, both transactions in Euro (SEPA transactions) and in other Member States\u2019\n currencies should be possible with a basic payment account within the EU. This amendment\n is based on a contribution by BEUC.","location":[["Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:43"},"new":["(da) SEPA and non-Euro standing","orders ;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"624","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-341","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point c b (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:41"},"new":["(cb) the number of days the account was","overdrawn and the total amount of","interest paid during the relevant period;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"341","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-625","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 subparagraph 1 a (new)"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:43"},"new":["Member States may stipulate special","conditions for use of online banking","systems."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"625","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sylvie Goulard","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-626","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 1 \u2013 point d \u2013 point 3 a (new)"]],"meps":[97137],"meta":{"created":"2019-07-03T05:16:43"},"new":["(3a) standing orders."],"orig_lang":"fr","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"626","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-342","location":[["Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point c b (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:41"},"new":["(cb) the number of days the account was","overdrawn, the interest rates applied and","the total amount of interest paid during","the relevant period;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"342","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-627","justification":"The fee needs to be reasonable according to article 17, so there is no need for it to be\nrepeated here. Price regulation leads to price distortion and competition problems.","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 2"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:43"},"new":["deleted"],"old":["2. Member States shall determine, for all","the services referred to in paragraph 1, a","","minimum number of operations which","will be provided to the consumer for the","fee, if any, referred to in Article 17. 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This would\ngo against the aim of reducing financial exclusion.","location":[["Proposal for a directive","Article 16 \u2013 paragraph 2"]],"meps":[96673,1913],"meta":{"created":"2019-07-03T05:16:43"},"new":["2. Member States shall ensure that, as","long as a payment account with basic","features is operated by the consumer for","personal use, there are no limits to the","number of operations which will be","provided to the consumer under the","specific pricing rules set out in Article 17."],"old":["2. Member States shall determine, for all","the services referred to in paragraph 1, a","minimum number of operations which","will be provided to the consumer for the","fee, if any, referred to in Article 17. 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Furthermore, it is crucial to\n allow users of basic payment accounts to participate in current payment technologies, such as\n the ELV debit system and its future evolutions. Therefore, it should be ensured that these\n customers receive a payment instrument (such as a card), which fulfils the necessary\n technical standards, especially providing the IBAN. Thus, the second part of this amendment\n also aims at promoting the effective implementation of SEPA. It is based on a contribution by\n Association of German Retailers.","location":[["Proposal for a directive","Article 16 \u2013 paragraph 3"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:43"},"new":["3. Member States shall ensure that the","consumer is able to manage and initiate","payment transactions from the consumer's","payment account with basic features via","the payment service provider's bank","counter or online banking facilities, where","available. 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Member States shall ensure that the","consumer is able to manage and initiate","payment transactions from the consumer's","payment account with basic features via","the payment service provider's online","banking facilities, where available."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"632","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-346","justification":" This level of detail for the fee information document is unnecessary for the purposes of a\n directive.","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 3"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:42"},"new":["deleted"],"old":["3. The title \u2018statement of fees\u2019 shall","prominently appear at the top of the first","page of the statement next to a common","symbol to distinguish the document from","other documentation."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"346","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-633","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 3"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:43"},"new":["3. Member States shall ensure that the","consumer is able to manage and initiate","payment transactions from the consumer's","payment account with basic features via","the payment service provider's bank","counter and online banking facilities,","where available."],"old":["3. Member States shall ensure that the","consumer is able to manage and initiate","payment transactions from the consumer's","payment account with basic features via","the payment service provider's online","banking facilities, where available."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"633","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-634","justification":"This amendment aims at enabling a limited overdraft credit for users of a basic payment\naccount on the condition of a sufficient creditworthiness, which is to be assessed by the\npayment service provider. Likewise, consumers with limited, but appropriate financial\nresources should be allowed to use overdraft credits. This amendment is based on\ncontributions by the German Association of Consumer Protection Organisations (VZBV) and\nthe European Network of Credit Unions.","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 4"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:43"},"new":["4. Member States shall ensure that the","consumer may have access to overdraft","facilities in conjunction with the payment","account with basic features. The","conditions for accessing this facility shall","be fully transparent and agreed upon by","the Payment Service Provider and the","consumer. The right to access the","overdraft facility shall depend on the","Payment Service Provider\u2019s assessment of","the consumer\u00b4s creditworthiness. The","amount of the overdraft facility shall be","limited to one monthly gross income of","the account holder."],"old":["4. 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Member States shall ensure that the","consumer is not offered any overdraft","facilities in conjunction with the payment","account with basic features."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"635","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sylvie Goulard, Jean Lambert","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-636","justification":" It is important that consumers should have access to a buffering facility to offset the fact that\n the debit and credit dates for transactions involving their accounts are outside their control.\n A buffering facility is not a loan, but rather a temporary arrangement which ensures that\n transactions are not refused on the grounds of a lack of funds.","location":[[" Proposal for a directive","Article 16 \u2013 paragraph 4"]],"meps":[97137,4531],"meta":{"created":"2019-07-03T05:16:44"},"new":["4. 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Member States shall ensure that the","competent authorities establish what","constitutes a reasonable fee, as well as a","reasonable upper limit for the total","amount of fees charged in a year,","according to one or several of the","following criteria:"],"old":["3. Member States shall ensure that the","competent authorities establish what","constitutes a reasonable fee according to","one or several of the following criteria:"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"652","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-653","justification":" For the provision of basic payment accounts to be really meaningful, individuals in all income\n groups in society must be able to afford them. Otherwise, financial exclusion will just be\n cemented.","location":[["Proposal for a directive","Article 17 \u2013 paragraph 3 \u2013 point a"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:45"},"new":["(a) national income levels, with particular","regard to the average income of people","living at risk of poverty or social","exclusion;"],"old":["(a) national income levels;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"653","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-360","location":[[" Proposal for a directive","Article 6 \u2013 paragraph 1"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:42"},"new":["1. Member States shall ensure that in their","contractual and commercial information,","payment service providers use, where","applicable, the terms and definitions","contained in the list of the most","representative payment services referred to","in Article 3, paragraph 5."],"old":["1. Member States shall ensure that in their","","contractual and commercial information,","payment service providers use, where","relevant, the terms and definitions","contained in the list of the most","representative payment services referred to","in Article 3, paragraph 5."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"360","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-654","location":[[" Proposal for a directive","Article 17 \u2013 paragraph 3 \u2013 point c"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:45"},"new":["(c) the cost / revenue profile of offering","the payment account with basic features as","a complement to the regular product line;"],"old":["(c) total costs relating to the provision of","the payment account with basic features;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"654","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-655","location":[[" Proposal for a directive","Article 17 \u2013 paragraph 3 \u2013 subparagraph 1 a (new)"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:45"},"new":["Fees for a payment account with basic","functions shall always be based on the","most favourable rate for an account for","basic transactions, compared with the","overall range of products offered,","irrespective of the yardstick, or shall not","be higher than the fees charged by the","payment service provider for the type of","account most frequently made available."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"655","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-361","location":[["Proposal for a directive","Article 6 \u2013 paragraph 1"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:42"},"new":["1. Member States shall ensure that in their","contractual and commercial information,","payment service providers use, where","relevant, the terms and definitions","contained in the list of the most","representative payment services referred to","in Article 3, paragraph 1."],"old":["1. Member States shall ensure that in their","contractual and commercial information,","payment service providers use, where","relevant, the terms and definitions","contained in the list of the most","representative payment services referred to","in Article 3, paragraph 5."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"361","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-656","location":[["Proposal for a directive","Article 17 \u2013 paragraph 4"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:45"},"new":["deleted"],"old":["4. The EBA shall develop guidelines","pursuant to Article 16 of Regulation (EU)","No 1093/2010 to assist the competent","authorities"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"656","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-362","justification":" Due to proposed deletion of 3.5.","location":[["Proposal for a directive","Article 6 \u2013 paragraph 1"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:43"},"new":["1. Member States shall ensure that in their","contractual and commercial information,","payment service providers use, where","relevant, the terms and definitions","contained in the list of the most","representative payment services referred to","in Article 3, paragraph 1."],"old":["1. Member States shall ensure that in their","contractual and commercial information,","payment service providers use, where","relevant, the terms and definitions","contained in the list of the most","representative payment services referred to","in Article 3, paragraph 5."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"362","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-657","location":[["Proposal for a directive","Article 17 \u2013 paragraph 4"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:45"},"new":["deleted"],"old":["4. The EBA shall develop guidelines","pursuant to Article 16 of Regulation (EU)","No 1093/2010 to assist the competent","authorities"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"657","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-363","justification":" Informing before and afterwards on service charges is an essential part of commercial\n information and the contract with the client. How can the consumer connect the payment\n charges to the statement of fees and the standardized price list if there is no connection to the\n brand and his or her contract? The last sentence of 6.2 seems to conflict with the PSD and\n normal consumer information requirements, as well as with article 4(2) of this directive.","location":[[" Proposal for a directive","Article 6 \u2013 paragraph 2"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:43"},"new":["2. Payment service providers may use","brand names to designate their services in","their contractual and commercial","information, subject to the condition that","they identify, where relevant, the","corresponding term in the list referred to in","Article 3, paragraph 1."],"old":["2. Payment service providers may use","brand names to designate their services in","their contractual and commercial","information, subject to the condition that","they identify, where relevant, the","corresponding term in the list referred to in","Article 3, paragraph 5. Payment service","providers shall not use brand names in","the fee information document or the","statement of fees."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"363","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-658","location":[["Proposal for a directive","Article 18 \u2013 paragraph 1 a (new)"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:45"},"new":["1a. Member States shall ensure that a","payment service provider may unilaterally","terminate a framework contract under","terms and conditions which are non-","discriminatory and reasonable under","relevant Union or national legislation."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"658","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Udo Bullmann, Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-659","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 introductory part"]],"meps":[4267,96836],"meta":{"created":"2019-07-03T05:16:45"},"new":["2. The payment service provider may","unilaterally terminate a framework contract","only where at least one of the following","conditions is met:"],"old":["2. The payment service provider may","unilaterally terminate a framework contract","where at least one of the following","conditions is met:"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"659","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-364","location":[[" Proposal for a directive","Article 6 \u2013 paragraph 2"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:43"},"new":["2. Payment service providers may use","brand names to designate their services in","their contractual and commercial","information, in the fee information","document or the statement of fees, subject","to the condition that they identify, where","relevant, the corresponding definition in","the list referred to in Article 3, paragraph 5."],"old":["2. Payment service providers may use","brand names to designate their services in","their contractual and commercial","","information, subject to the condition that","they identify, where relevant, the","corresponding term in the list referred to in","Article 3, paragraph 5. Payment service","providers shall not use brand names in","the fee information document or the","statement of fees."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"364","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-660","justification":" One needs to take account other legislation on contractual relationships. \"Criminal activities\"\n may often not be proved. Criminal law is national and all breaches of a contract may not\n have been criminalized, but according to consumer protection legislation they are valid\n grounds.","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 introductory part"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:45"},"new":["2. The payment service provider may","unilaterally terminate a framework contract","for instance when:"],"old":["2. The payment service provider may","unilaterally terminate a framework contract","where at least one of the following","conditions is met:"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"660","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-661","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 introductory part"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:45"},"new":["2. The payment service provider may","unilaterally terminate a framework contract","for compelling reasons to be determined","by Member States, and which shall","include the following conditions:"],"old":["2. The payment service provider may","unilaterally terminate a framework contract","where at least one of the following","conditions is met:"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"661","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-365","location":[["Proposal for a directive","Article 6 \u2013 paragraph 2"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:43"},"new":["2. Payment service providers may use","brand names to designate their services in","their contractual and commercial","information, subject to the condition that","they identify, where relevant, the","corresponding term in the list referred to in","Article 3, paragraph 1."],"old":["2. Payment service providers may use","brand names to designate their services in","their contractual and commercial","information, subject to the condition that","they identify, where relevant, the","corresponding term in the list referred to in","Article 3, paragraph 5. Payment service","providers shall not use brand names in","the fee information document or the","statement of fees."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"365","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-662","location":[["Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point a"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:45"},"new":["(a) the consumer deliberately used or","abused the account for illegal purposes;"],"old":["(a) the consumer deliberately used the","account for criminal activities;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"662","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-663","location":[["Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point a"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:45"},"new":["(a) the consumer deliberately abused the","account services including for criminal","activities;"],"old":["(a) the consumer deliberately used the","account for criminal activities;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"663","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-366","justification":" This amendment aims at increasing comprehensibility of the information documents linked to\n a payment account. It is based on a contribution by the Association of the German Banking\n Sector (Deutsche Kreditwirtschaft) and the Austrian Savings Banks.","location":[["Proposal for a directive","Article 6 \u2013 paragraph 2"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:43"},"new":["2. Payment service providers may use","brand names to designate their services in","their contractual and commercial","information, subject to the condition that","they identify, where relevant, the","corresponding term in the list referred to in","Article 3, paragraph 5. In the fee","information document or the statement of","fees payment service providers shall only","use brand names in addition to the","corresponding term in the list referred to","in Article 3, paragraph 5 and put these","names in brackets."],"old":["2. Payment service providers may use","brand names to designate their services in","their contractual and commercial","information, subject to the condition that","","they identify, where relevant, the","corresponding term in the list referred to in","Article 3, paragraph 5. Payment service","providers shall not use brand names in the","fee information document or the","statement of fees."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"366","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-664","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point a"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:45"},"new":["(a) the consumer used or abused the","account for illegal purposes;"],"old":["(a) the consumer deliberately used the","account for criminal activities;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"664","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-367","location":[[" Proposal for a directive","Article 6 \u2013 paragraph 2"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:43"},"new":["2. Payment service providers may use","brand names to designate their services in","their commercial information, subject to","the condition that they identify, where","applicable, the corresponding term in the","list referred to in Article 3, paragraph 5.","Payment service providers shall not use","brand names in the fee information","document, the statement of fees or","contractual information."],"old":["2. Payment service providers may use","brand names to designate their services in","their contractual and commercial","information, subject to the condition that","they identify, where relevant, the","corresponding term in the list referred to in","Article 3, paragraph 5. Payment service","providers shall not use brand names in the","fee information document or the statement","of fees."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"367","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-665","justification":" It is not unusual that an account is unused for some time. In Finland a PSP does not have to\n pay interest after 10 years unused. The owner of the account still has the right to collect\n his/her deposits. It is unclear if it is legally possible for a bank to one-sidedly close an\n account.","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point b"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:45"},"new":["deleted"],"old":["(b) there has been no transaction on the","account for more than 12 consecutive","months;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"665","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-666","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point b"]],"meps":[96997],"meta":{"created":"2019-07-03T05:16:45"},"new":["(b) there has been no transaction on the","account for more than 12 consecutive","months and fees owing to the payment","service provider have not been paid;"],"old":["(b) there has been no transaction on the","account for more than 12 consecutive","months;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"666","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-368","justification":" Price comparison websites are beyond the scope of this Directive, which relates specifically\n to payment accounts.","location":[["Proposal for a directive","Article 7"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:43"},"new":["deleted"],"old":["Article 7","Comparison websites","1. Member States shall ensure that","consumers have access to at least one","website comparing fees charged by","payment service providers for services","offered on payment accounts at national","level in accordance with paragraphs 2","and 3.","2. Member States shall establish a","voluntary accreditation scheme for","websites comparing fees charged by","payment service providers for services","offered on payment accounts operated by","private operators. In order to be granted","accreditation, comparison websites","operated by private operators shall:","(a) be operationally independent of any","payment service provider;","(b) use plain language and, where","relevant, the terms referred to in Article 3,","paragraph 5;","(c) provide up-to-date information;","(d) provide a sufficiently broad overview","of the payment accounts market;","(e) operate an effective enquiry and","complaints handling procedure.","3. Where no website is accredited","pursuant to paragraph 2, Member States","shall ensure that a website operated by the","competent authority referred to in Article","20 or any other competent public","authority is established. Where a website","has been accredited pursuant to","paragraph 2, Member States may decide","to establish an additional website operated","by the competent authority referred to in","Article 20 or any other competent public","authority. Websites operated by a","","competent authority pursuant to","paragraph 1 shall comply with","paragraphs 2 (a) to (e).","4. Member States shall retain the right to","refuse or withdraw accreditation from","private operators in the event of a failure","to comply with the obligations in","paragraph 2.","5. Member States shall ensure that","adequate information about the websites","referred to in paragraph 1 is available to","consumers. This shall include, where","relevant, the maintenance of a publicly","accessible register of accredited","comparison websites."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"368","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-667","justification":"This amendment aims at achieving an appropriate provision of the basic payment account,\nthereby increasing its effectiveness. It is based on a contribution by BEUC.","location":[["Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point b"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:46"},"new":["(b) there has been no transaction on the","account for more than 24 consecutive","months; provided the consumer has given","his consent;"],"old":["(b) there has been no transaction on the","account for more than 12 consecutive","months;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"667","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-369","justification":"This amendment aims at ensuring that branch and ATM networks are appropriately taken\ninto account by the comparison website, thereby promoting a more effective concept of\ncompetition, whereas the Commission proposal only suggested a narrow focus on prices. This\namendment is based on a contribution by the Confederation of German Cooperative Banks\nand the Confederation of German Savings Banks.","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 1"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:43"},"new":["1. Member States shall ensure that","consumers have access to at least one","website comparing at national level and in","accordance with paragraphs 2 and 3.","(a) fees charged by payment service","providers for services offered on payment","accounts, and","(b) determinants of the level of service","provided by the payment service provider,","including the number of branches and the","number of automated teller machines.","For both indicators, the numbers for the","specific payment service provider and the","respective network of payment service","providers shall be provided, if applicable.","Furthermore, information on how far","away, from the comparison website user,","the closest branch of the payment service","provider is located shall be indicated."],"old":["1. Member States shall ensure that","consumers have access to at least one","website comparing fees charged by","payment service providers for services","offered on payment accounts at national","level in accordance with paragraphs 2","and 3.",""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"369","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-668","location":[["Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point b"]],"meps":[96836],"meta":{"created":"2019-07-03T05:16:46"},"new":["(b) there has been no transaction on the","account for more than 24 consecutive","months;"],"old":["(b) there has been no transaction on the","account for more than 12 consecutive","months;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"668","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-370","location":[["Proposal for a directive","Article 7 \u2013 paragraph 1"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:43"},"new":["1. Member States shall ensure that","consumers have access to at least one","website comparing fees charged by","payment service providers for services","offered on payment accounts at national","level in accordance with paragraphs 2 and","3 and the quality and ranges of services of","the various providers."],"old":["1. Member States shall ensure that","consumers have access to at least one","website comparing fees charged by","payment service providers for services","offered on payment accounts at national","level in accordance with paragraphs 2 and","3."],"orig_lang":"de","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"370","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-669","location":[["Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point c"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:46"},"new":["(c) the consumer knowingly provided","incorrect information in order to obtain the","payment account with basic features where","the correct information would have","resulted in the application being refused;"],"old":["(c) the consumer knowingly provided","incorrect information in order to obtain the","payment account with basic features where","the correct information would have","resulted in the absence of such right;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"669","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sharon Bowles","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-371","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 1"]],"meps":[33570],"meta":{"created":"2019-07-03T05:16:43"},"new":["1. Member States shall ensure that","consumers have access to at least one","website, which includes a comparison of","fees charged by payment service providers","for services offered on payment accounts at","national level in accordance with","paragraphs 2 or 3."],"old":["1. Member States shall ensure that","consumers have access to at least one","website comparing fees charged by","payment service providers for services","offered on payment accounts at national","level in accordance with paragraphs 2 and","3."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"371","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-670","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point d"]],"meps":[96997],"meta":{"created":"2019-07-03T05:16:46"},"new":["(d) the consumer is no longer legally","resident in the Union or has subsequently","opened a second payment account with","basic features in the Union."],"old":["(d) the consumer is no longer legally","resident in the Union or has subsequently","opened a second payment account in the","Member State where he already holds a","payment account with basic features."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"670","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-671","justification":"This amendment aims at achieving an appropriate provision of the basic payment account,\nthereby increasing its effectiveness. It is based on contribution by the Social Platform, the\nGerman Association of Debt Counsellors and the German Association of Independent\nOrganisations of Welfare Work.","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point d"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:46"},"new":["(d) the consumer is no longer legally","resident or residing in the Union and does","not fulfil the criteria of Article or has","subsequently opened a second payment","account in the Member State where he","already holds a payment account with basic","features."],"old":["(d) the consumer is no longer legally","resident in the Union or has subsequently","opened a second payment account in the","Member State where he already holds a","payment account with basic features."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"671","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson, Evelyne Gebhardt, Emilie Turunen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-372","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 1"]],"meps":[96673,1913,96703],"meta":{"created":"2019-07-03T05:16:43"},"new":["1. Member States shall ensure that","consumers have free access to at least one","website comparing fees charged and","interest rates applied by payment service","providers on payment accounts at national","level in accordance with paragraphs 2 and","3."],"old":["1. Member States shall ensure that","consumers have access to at least one","website comparing fees charged by","payment service providers for services","offered on payment accounts at national","level in accordance with paragraphs 2 and","3."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"372","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-672","location":[["Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point d"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:46"},"new":["(d) the consumer is no longer legally","present in the Union or has subsequently","opened a second payment account in the","EU."],"old":["(d) the consumer is no longer legally","resident in the Union or has subsequently","opened a second payment account in the","Member State where he already holds a","payment account with basic features."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"672","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-373","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 1"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:43"},"new":["1. Member States shall ensure that","consumers have access to at least one","website comparing fees charged by","payment service providers for services","linked to payment accounts at national","level in accordance with paragraphs 2 and","3."],"old":["1. Member States shall ensure that","consumers have access to at least one","website comparing fees charged by","","payment service providers for services","offered on payment accounts at national","level in accordance with paragraphs 2 and","3."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"373","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Udo Bullmann, Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-673","location":[["Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point d"]],"meps":[4267,96836],"meta":{"created":"2019-07-03T05:16:46"},"new":["(d) the consumer is no longer legally","present in the Union or has subsequently","opened a second payment account in the","Member State where he already holds a","payment account with basic features."],"old":["(d) the consumer is no longer legally","resident in the Union or has subsequently","opened a second payment account in the","Member State where he already holds a","payment account with basic features."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"673","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-674","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point d a (new)"]],"meps":[96997],"meta":{"created":"2019-07-03T05:16:46"},"new":["(da) the actions of the consumer are such","as to constitute a flagrant disturbance or","threat to the staff or clientele of the","payment service provider."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"674","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-374","justification":"This amendment aims at ensuring that branch and ATM networks are appropriately taken\ninto account by the comparison website, thereby promoting a more effective concept of\ncompetition, whereas the Commission proposal only suggested a narrow focus on prices. This\namendment is based on a contribution by the Confederation of German Cooperative Banks.","location":[["Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 introductory part"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:43"},"new":["2. Member States shall establish a","compulsory accreditation scheme for","websites comparing the elements for","comparison as described in Article 7 (1)","offered on payment accounts operated by","private operators. In order to be granted","accreditation, comparison websites","operated by private operators shall:"],"old":["2. Member States shall establish a","voluntary accreditation scheme for","websites comparing fees charged by","payment service providers for services","offered on payment accounts operated by","private operators. In order to be granted","accreditation, comparison websites","operated by private operators shall:"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"374","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-675","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point d a (new)"]],"meps":[96836],"meta":{"created":"2019-07-03T05:16:46"},"new":["(da) the actions of the consumer are such","as to constitute a flagrantly unacceptable","threat or disturbance to the staff or other","clientele of the credit institution."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"675","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-375","location":[["Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 introductory part"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:43"},"new":["2. 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In order to be granted","accreditation, comparison websites","operated by private operators shall:"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"375","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-676","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 2 \u2013 point d a (new)"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:46"},"new":["(da) the consumer rudely harasses or","endangers other customers or employees","of the bank;"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"676","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-376","justification":" Operational independence is not enough to ensure there is no conflict of interest. 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necessitate closing the account immediately. One has to take into\naccount the duty of PSPs to combat illegal use of payment systems. How about the AML lists\nand freezing the assets, EAPO etc.? Recital 8 notes this for example in the case of terrorism\nor AML.","location":[["Proposal for a directive","Article 18 \u2013 paragraph 2 a (new)"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:47"},"new":["2a. In these or similar cases, the payment","service provider has right to terminate the","contract immediately or as soon as","possible."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"684","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt, Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-384","location":[["Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 point c"]],"meps":[1913,96836],"meta":{"created":"2019-07-03T05:16:44"},"new":["(c) provide up-to-date, accurate, reliable","and consumer-friendly information;"],"old":["(c) provide up-to-date information;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"384","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-385","location":[["Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 point d"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:44"},"new":["(d) provide a sufficiently broad overview","of the payment accounts market, accepting","requests for inclusion in the site by any","payment service provider in the Member","State concerned;"],"old":["(d) provide a sufficiently broad overview","of the payment accounts market;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"385","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-685","location":[["Proposal for a directive","Article 18 \u2013 paragraph 2 b (new)"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:47"},"new":["2b. The payment service provider's right","to terminate a framework contract is","without prejudice to obligations to","terminate the contract or suspend the","provision of the service under relevant","Union or national legislation."],"old":[""],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"685","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Catherine Stihler","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-386","location":[["Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 point d"]],"meps":[4545],"meta":{"created":"2019-07-03T05:16:44"},"new":["(d) provide a sufficiently broad overview","of the payment accounts market and","provide information on how much of the","market share is covered by their website;"],"old":["(d) provide a sufficiently broad overview","of the payment accounts market;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"386","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-686","justification":" This amendment aims at achieving an appropriate provision of the basic payment account\n thereby increasing its effectiveness. It is based on contributions by BEUC, the Social\n Platform, the German Association of Debt Counsellors and the German Association of\n Independent Organisations of Welfare Work.","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 3"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:47"},"new":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination at least 2 months before the","termination enters into force, in writing and","free of charge. The burden of proof shall","lie with the payment service provider.","Furthermore, Member States shall ensure","that consumers have to be informed about","at least one free of charge or low-priced","legal advice or counselling service and the","alternative dispute resolution body, which","is available in the respective Member","State."],"old":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination at least 2 months before the","termination enters into force, in writing and","free of charge."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"686","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-387","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 point e a (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:44"},"new":["(ea) provide information, yet not any kind","of recommendations;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"387","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-687","location":[["Proposal for a directive","Article 18 \u2013 paragraph 3"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:47"},"new":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination, and of the alternative dispute","resolution mechanisms available, at least","2 months before the termination enters into","force, in writing and free of charge."],"old":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination at least 2 months before the","termination enters into force, in writing and","free of charge."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"687","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-388","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 point e a (new)"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:44"},"new":["(ea) provide information, yet not any kind","of recommendations;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"388","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-389","justification":"Amendment intends to avoid bias in PSPs listed on a site based on who pays more","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 5a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:44"},"new":["5a. Where payment service providers are","charged for listing on such sites, the","charges shall be non-discriminatory and","published on the website;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"389","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-688","location":[["Proposal for a directive","Article 18 \u2013 paragraph 3"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:47"},"new":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination at least 2 months before the","termination enters into force, in writing and","free of charge. The written notification","shall contain information for the","consumer regarding at least one channel","of appeal or consultation service available","in the Member State concerned free of","charge or for a reasonable fee in","accordance with detailed provisions","drawn up by the Member States."],"old":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination at least 2 months before the","termination enters into force, in writing and","free of charge."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"688","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Paul Gauz\u00e8s","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-390","location":[["Proposal for a directive","Article 7 \u2013 paragraph 5 a (new)"]],"meps":[28193],"meta":{"created":"2019-07-03T05:16:44"},"new":["5a. Member States shall ensure that","Payment Service Providers are not liable","for the information contained in the","accredited or non-accredited websites,","given that they would not be responsible","for operating them;"],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"390","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-689","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 3"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:47"},"new":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination at least 2 months before the","termination enters into force, in writing and","free of charge, unless such disclosure","would be contrary to the objectives of","national security or public policy."],"old":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination at least 2 months before the","termination enters into force, in writing and","free of charge."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"689","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-391","justification":" This amendment aims at ensuring effective standards to promote competition. It is based on\n contributions by the Confederation of German Cooperative Banks and the Confederation of\n German Savings Banks.","location":[["Proposal for a directive","Article 7 \u2013 paragraph 5 a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:44"},"new":["5a. The competent European Supervisory","Authority shall be empowered to adopt","draft technical standards to define the","standards for the conditions of a","comparison website, as laid out in","paragraph 2, specifically for determinants","of the level of service provided by payment","service provider, including the number of","branches; the number of automated teller","machines of the specific payment service","provider and the respective group of","payment service providers, if applicable;","as well as information on how far away,","from the comparison website user, the","closest branch of the payment service","provider is located."],"old":["",""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"391","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-690","location":[[" Proposal for a directive","Article 18 \u2013 paragraph 3"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:47"},"new":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination at least 2 months before the","termination enters into force, in writing and","free of charge, except if the consumer is","suspected of using the payment account","for criminal or fraudulent activities, in","which case the contract may be","terminated right away."],"old":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination at least 2 months before the","termination enters into force, in writing and","free of charge."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"690","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-392","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 5 a (new)"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:45"},"new":["5a. In order to facilitate the overview of","fees charged by payment services","providers in the European Union, the","European Commission shall establish an","up-to-date, independent, accurate, reliable","and consumer-friendly portal providing","all links to the accredited comparison","websites in the respective Member States."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"392","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-691","justification":"Informing the client may be prohibited in other legislation (AML, police law etc.). Because\n18(1) refers to the time limit of the PSD (at least 2 months) there is no need to refer to it here.\nAny exceptions to the termination time would have been defined in article 18(2).","location":[["Proposal for a directive","Article 18 \u2013 paragraph 3"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:47"},"new":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination before the termination enters","into force, in writing and free of charge","unless otherwise provided by the relevant","Union or national legislation."],"old":["3. Member States shall ensure that where","the payment service provider terminates","the contract of a payment account with","basic features, it informs the consumer of","the grounds and the justification for the","termination at least 2 months before the","termination enters into force, in writing and","free of charge."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"691","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-393","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 5 a (new)"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:45"},"new":["5a. The Commission shall establish and","continuously update a publicly accessible","Union web portal containing links to all","comparison websites run by competent","authorities and accredited private","operators at national level."],"old":["",""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"393","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sergio Gaetano Cofferati, Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-394","location":[["Proposal for a directive","Article 7 \u2013 paragraph 5 a (new)"]],"meps":[96915,1913],"meta":{"created":"2019-07-03T05:16:45"},"new":["5a. By the end of 2018 also European","websites comparing fees charged by","payment service providers for services","offered on payment accounts in the","different Member States shall be","developed.","European Commission shall establish, by","that date, a public European comparison","website, operated in cooperation with","EBA.","By that date, European Commission shall","also develop through delegated act, in","accordance with Art 24, a voluntary","accreditation scheme for private","European comparison websites. In order","to be granted accreditation, European","comparison websites operated by private","operators shall respect all conditions","listed in Paragraph 2. European","Commission shall retain the right to","refuse or withdraw accreditation from","private operators in the event of a failure","to comply with the obligations listed in","Paragraph 2."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"394","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"J\u00fcrgen Klute","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-692","location":[["Proposal for a directive","Article 19 \u2013 title"]],"meps":[96769],"meta":{"created":"2019-07-03T05:16:47"},"new":["Transparency and information","requirements"],"old":["General information on payment","accounts with basic features"],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"692","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sergio Gaetano Cofferati, Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-395","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 5 b (new)"]],"meps":[96915,1913],"meta":{"created":"2019-07-03T05:16:45"},"new":["5b. European Commission shall establish","and continuously update a single portal to","provide the links of accredited comparison","websites for each Member State and at","European level.","This portal shall also provide consumers","with a glossary of the Union standardised","terminology adopted in accordance with","Article 3 and guidelines about cross-","border switching of payment accounts.","The portal shall also make public and","easily available the list and the contacts of","the different national competent","authorities referred to in Art 20."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"395","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-396","justification":"Supports the Rapporteur's AM 57. Necessary to cater for increasingly mobile EU citizens and\npromote a single market in payment account related services","location":[[" Proposal for a directive","Article 7 a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:45"},"new":["Article 7 a","Union portal for comparison websites","1. Member States shall notify the","Commission and EBA of the comparison","websites operating in accordance to","Article 7(1) and (2).","2. The Commission, in cooperation with","EBA, shall establish a publicly accessible","Union portal for comparison websites at","national level, including the ability to","compare side by side payment accounts","offered in different Member States. In","order to complement that information, the","Union portal shall provide to consumers a","glossary containing the Union","standardised terminology adopted in","accordance with Article 3(4) and practical","guidelines about cross-border switching","of payment accounts."],"old":[""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"396","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Peter Simon, Udo Bullmann","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-693","location":[[" Proposal for a directive","Article 19 \u2013 paragraph 2"]],"meps":[96836,4267],"meta":{"created":"2019-07-03T05:16:47"},"new":["2. Member States shall ensure that payment","service providers actively make available","to consumers information about the","specific features of the payment account","with basic features on offer, their","associated fees and the conditions of use in","writing and on their websites in easily","accessible form. Member States shall also","ensure that the consumer is informed that","the purchase of additional services is not","compulsory to access a payment account","with basic features."],"old":["2. Member States shall ensure that payment","service providers make available to","consumers information about the specific","features of the payment account with basic","features on offer, their associated fees and","their conditions of use. Member States","shall also ensure that the consumer is","informed that the purchase of additional","services is not compulsory to access a","payment account with basic features."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"693","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-397","justification":"It should be clarified that there is a difference between accounts that offer a range of services\nand accounts that are packaged together with other financial services like insurance. In the\nlatter case, it is not possible to unbundle the services. A requirement should be introduced, if\nthis is the case, to ensure that the PSP alerts the consumer to the costs involved in opening a\n\n\n packaged payment account and has checked whether the customer is eligible for the packaged\n product.","location":[["Proposal for a directive","Article 8 \u2013 paragraph 1"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:45"},"new":["1. Without prejudice to Article 4(2),","Member States shall ensure that when a","payment account is offered together with","another financial service or product as part","of a package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and, if so, provides separate","information regarding the fees associated","with each of the other financial products","and services offered in the package, where","it is possible to buy each of those financial","products and services separately."],"old":["1. Member States shall ensure that when a","payment account is offered together with","another service or product as part of a","package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and provides separate","information regarding the costs and fees","associated with each of the products and","services offered in the package."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"397","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Claude Moraes, Arlene McCarthy","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-694","location":[[" Proposal for a directive","Article 19 \u2013 paragraph 2"]],"meps":[4519,2173],"meta":{"created":"2019-07-03T05:16:48"},"new":["2. Member States shall ensure that payment","service providers make available to","consumers accessible information and","adequate assistance about the specific","features of the payment account with basic","features on offer, their associated fees and","their conditions of use. Member States","shall also ensure that the consumer is","informed that the purchase of additional","services is not compulsory to access a","payment account with basic features."],"old":["2. Member States shall ensure that payment","service providers make available to","consumers information about the specific","features of the payment account with basic","features on offer, their associated fees and","their conditions of use. Member States","shall also ensure that the consumer is","informed that the purchase of additional","services is not compulsory to access a","payment account with basic features."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"694","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Alfredo Pallone, Fabrizio Bertot","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-398","location":[[" Proposal for a directive","Article 8 \u2013 paragraph 1"]],"meps":[97197,118709],"meta":{"created":"2019-07-03T05:16:45"},"new":["1. Member States shall ensure that when a","payment account is offered together with","another service or product as part of a","package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and provides separate","information regarding the costs and fees","associated."],"old":["1. Member States shall ensure that when a","payment account is offered together with","another service or product as part of a","package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and provides separate","information regarding the costs and fees","associated with each of the products and","services offered in the package."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"398","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Burkhard Balz","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-695","location":[["Proposal for a directive","Article 19 \u2013 paragraph 2 a (new)"]],"meps":[96997],"meta":{"created":"2019-07-03T05:16:48"},"new":["2a. Member States shall support","initiatives to improve financial education","at schools and elsewhere. The risk of","financial exclusion shall be minimised for","all consumers. Furthermore,","encouragement shall be given to","initiatives by payment service providers","seeking to combine provision of a","payment account with basic features and","financial education services."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"695","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sharon Bowles","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-399","location":[[" Proposal for a directive","Article 8 \u2013 paragraph 1"]],"meps":[33570],"meta":{"created":"2019-07-03T05:16:45"},"new":["1. Member States shall ensure that when a","payment account is offered together with","another service or product as part of a","package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and provides separate","information regarding the costs and fees","associated with each of the products and","services offered in the package, in order to","ensure full transparency on cross-subsidy","payments."],"old":["1. Member States shall ensure that when a","payment account is offered together with","another service or product as part of a","package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and provides separate","information regarding the costs and fees","associated with each of the products and","services offered in the package."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"399","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-400","justification":"Tying (i.e. forcing consumers to buy a package where the elements could be provided\nseparately) should not be allowed. All services beyond the payment account must be listed\nseparately and the consumer must be allowed to choose whether to purchase them. 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Member States shall require","educational establishments and","consultation services to develop services","for the most vulnerable customers","providing them with guidance and","assistance in the responsible management","of their finances. The Member States","shall encourage initiatives to achieve this","and improve financial education at","schools and elsewhere;"],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"696","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Schmidt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-401","location":[["Proposal for a directive","Article 8 \u2013 paragraph 1"]],"meps":[4274],"meta":{"created":"2019-07-03T05:16:45"},"new":["1. Member States shall ensure that when a","payment account is offered together with","another service or product as part of a","package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and if so provides separate","information regarding the costs and fees","associated with each of the products and","services offered in the package."],"old":["1. Member States shall ensure that when a","payment account is offered together with","","another service or product as part of a","package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and provides separate","information regarding the costs and fees","associated with each of the products and","services offered in the package."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"401","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sylvie Goulard, Jean Lambert","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-697","location":[["Proposal for a directive","Article 19 \u2013 paragraph 2 a (new)"]],"meps":[97137,4531],"meta":{"created":"2019-07-03T05:16:48"},"new":["2a. Member States shall ensure that","measures are taken to assist vulnerable","members of society with matters","concerning budgeting and","overindebtedness."],"orig_lang":"fr","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"697","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt, Peter Simon","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-402","location":[[" Proposal for a directive","Article 8 \u2013 paragraph 1"]],"meps":[1913,96836],"meta":{"created":"2019-07-03T05:16:45"},"new":["1. Member States shall ensure that when a","payment account is offered together with","another service or product as part of a","package, the payment service provider","informs the consumer in an appropriate","time prior to entering into a contract for a","payment account that it is possible to buy","the payment account separately and","provides separate information regarding","the costs and fees associated with each of","the products and services offered in the","package."],"old":["1. Member States shall ensure that when a","payment account is offered together with","another service or product as part of a","package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and provides separate","information regarding the costs and fees","associated with each of the products and","services offered in the package."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"402","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" J\u00fcrgen Klute","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-698","location":[[" Proposal for a directive","Article 19 \u2013 paragraph 2 a (new)"]],"meps":[96769],"meta":{"created":"2019-07-03T05:16:48"},"new":["2a. Member States shall ensure that","payment service providers required to","offer payment accounts with basic","features publish, on an annual basis, data","on the number of payment accounts with","basic features applied for, rejected,","opened, and closed during the relevant","year. This data should be analysed and","published by the following categories:","income; employment status; ethnicity,","age; gender, disability status. Where","appropriate, the relevant data should be","collected and published at three levels:","(a) bank branch/ office level;","(b) inclusion Assessment Area: this","should be based on the appropriate and","relevant assessment area agreed by","Member States;","(c) corporate level: data should be","aggregated from branch and assessment","area level to allow for an overall","assessment of the bank's performance."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"698","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-403","location":[[" Proposal for a directive","Article 8 \u2013 paragraph 1 a (new)"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:45"},"new":["1a. The consumer shall be able to","purchase services separately that are not","included in the payment account with","basic features as defined in Article 16."],"old":[""],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"403","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-404","location":[["Proposal for a directive","Article 8 \u2013 paragraph 1 b (new)"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:45"},"new":["1b. Providers should, moreover, be free to","offer credit products, as separate services,","to basic payment account customers,","where appropriate. The access to or use of","the basic payment account should in no","way be restricted by or made conditional","on the purchase of such services or","products."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"404","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"J\u00fcrgen Klute","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-699","location":[["Proposal for a directive","Article 19 \u2013 paragraph 2 b (new)"]],"meps":[96769],"meta":{"created":"2019-07-03T05:16:48"},"new":["2b. Member States shall ensure that the","competent authorities publish, including","on their website, an audit of the","performance of each bank in terms of its","compliance with the right of access","requirement. To this purpose, relevant","payment providers shall be independently","rated according to their performance in","the provision of payment accounts with","basic features and a rating of the top ten","banks by market share shall be published","at an annual basis. All relevant data shall","be passed to the European Commission","and to the European Banking Authority","(EBA)."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"699","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-405","justification":"Deleted as not necessary if para 1 allows bundling of services covered in the definition of a\n\n basic payment account in Art 16","location":[["Proposal for a directive","Article 8 \u2013 paragraph 2"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:45"},"new":["deleted"],"old":["2. Paragraph 1 does not apply when only","payment services as defined in Article 4(3)","of Directive 2007/64/EC are offered","together with a payment account."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"405","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sergio Gaetano Cofferati, Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-700","location":[["Proposal for a directive","Article 20 \u2013 paragraph 2"]],"meps":[96915,1913],"meta":{"created":"2019-07-03T05:16:48"},"new":["2. The authorities referred to in paragraph","1 shall possess all the powers necessary for","the performance of their duties. Where","more than one competent authority is","empowered to ensure and monitor effective","compliance with this Directive, Member","States shall ensure that those authorities","collaborate closely so that they can","discharge their respective duties","effectively. Those authorities shall closely","cooperate with the competent authorities","of other Member States to ensure the","correct and full application of the","measures established in this Directive."],"old":["2. The authorities referred to in paragraph","1 shall possess all the powers necessary for","the performance of their duties. Where","more than one competent authority is","empowered to ensure and monitor effective","compliance with this Directive, Member","States shall ensure that those authorities","collaborate closely so that they can","discharge their respective duties","effectively.",""],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"700","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.948-406","location":[[" Proposal for a directive","Article 8 \u2013 paragraph 2"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:45"},"new":["deleted"],"old":["2. Paragraph 1 does not apply when only","payment services as defined in Article 4(3)","of Directive 2007/64/EC are offered","together with a payment account."],"orig_lang":"en","peid":"PE516.948v02-00","reference":"2013/0139(COD)","seq":"406","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.948+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Claude Moraes, Arlene McCarthy","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-701","location":[[" Proposal for a directive","Article 20 \u2013 paragraph 2 a (new)"]],"meps":[4519,2173],"meta":{"created":"2019-07-03T05:16:48"},"new":["2a. The authorities referred to in","paragraph 1 shall regularly consult","relevant stakeholders, including","consumers' representatives, to ensure and","monitor effective compliance with this","Directive, without prejudice to the","independence clause referred to in","paragraph 1."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"701","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-702","justification":" This amendment aims at establishing a balanced representation of key stakeholders in ADR\n\nbodies. It is based on a contribution by BEUC.","location":[[" Proposal for a directive","Article 21 \u2013 paragraph 1 a (new)"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:48"},"new":["1a. Member States shall ensure equal","representation of providers, consumers","and other users within the alternative","dispute resolution bodies."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"702","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-703","location":[["Proposal for a directive","Article 21 \u2013 paragraph 1 a (new)"]],"meps":[1913],"meta":{"created":"2019-07-03T05:16:48"},"new":["1a. Member States shall ensure that the","payment account providers commit to at","least to one or more ADR bodies."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"703","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt, Sergio Gaetano Cofferati","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-704","location":[["Proposal for a directive","Article 21 \u2013 paragraph 1 b (new)"]],"meps":[1913,96915],"meta":{"created":"2019-07-03T05:16:48"},"new":["1b. Member States shall ensure that","payment service providers inform the","consumer about the alternative dispute","resolution entities by which they are","covered and which are competent to deal","with potential disputes between","themselves and the consumer. They shall","also specify whether or not they commit or","are obliged to use these entities to resolve","disputes with consumers."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"704","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt, Sergio Gaetano Cofferati","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-705","location":[["Proposal for a directive","Article 21 \u2013 paragraph 1 c (new)"]],"meps":[1913,96915],"meta":{"created":"2019-07-03T05:16:48"},"new":["1c. The information referred to in","paragraph 1b shall be mentioned in a","clear, comprehensible and easily","accessible way on the providers' website,","where one exists and in the general terms","and conditions of sales or service","contracts between the provider and the","consumer."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"705","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt, Sergio Gaetano Cofferati","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-706","location":[[" Proposal for a directive","Article 21 \u2013 paragraph 1 d (new)"]],"meps":[1913,96915],"meta":{"created":"2019-07-03T05:16:48"},"new":["1d. Member States may maintain or","introduce alternative disputes resolution","procedures dealing jointly with identical","or similar disputes between a payment","service provider and several consumers.","Alternative disputes resolutions systems","for both individual and collective disputes","and redress shall be complementary and","not mutually exclusive procedures."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"706","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Philippe De Backer","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-707","location":[[" Proposal for a directive","Article 23 \u2013 paragraph 1 a (new)"]],"meps":[109337],"meta":{"created":"2019-07-03T05:16:48"},"new":["1a. The pecuniary penalties shall as much","as possible be quantified at European","level to ensure the effective","implementation of the national provisions","adopted pursuant to this Directive.","Member State shall ensure that","administrative measures and sanctions","are systematically published by the","competent authorities."],"old":[""],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"707","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-708","location":[["Proposal for a directive","Article 23"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:49"},"new":["Deleted"],"old":["Article 23","Delegated Acts","The Commission shall be empowered to","adopt delegated acts in accordance with","Article 24 concerning Article 3(4)."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"708","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-709","justification":" Weighed against the administrative costs involved, it is not clear that the terminology\n standardisation process delivers real benefit.","location":[["Proposal for a directive","Article 23"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:49"},"new":["Deleted"],"old":["Article 23","Delegated acts","The Commission shall be empowered to","adopt delegated acts in accordance with","Article 24 concerning Article 3(4)."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"709","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-710","location":[[" Proposal for a directive","Article 23"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:49"},"new":["Deleted"],"old":["Article 23","Delegated acts","The Commission shall be empowered to","adopt delegated acts in accordance with","Article 24 concerning Article 3(4)."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"710","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-711","location":[[" Proposal for a directive","Article 24"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:49"},"new":["Deleted"],"old":["Article 24","Exercise of the delegation","1. The power to adopt delegated acts is","conferred on the Commission subject to","the conditions laid down in this Article.","2. The delegation of power referred to in","Article 23 shall be conferred for an","indeterminate period of time from the date","of entry into force of this Directive.","3. The delegation of powers referred to in","Article 23 may be revoked at any time by","the European Parliament or by the","Council. A decision of revocation shall","","put an end to the delegation of the power","specified in that decision. It shall take","effect the day following the publication of","the decision in the Official Journal of the","European Union or at a later date","specified therein. It shall not affect the","validity of any delegated acts already in","force.","4. As soon as it adopts a delegated act, the","Commission shall notify it simultaneously","to the European Parliament and to the","Council.","5. A delegated act adopted pursuant to","Article 23 shall enter into force only if no","objection has been expressed either by the","European Parliament or the Council","within a period of 2 months of notification","of that act to the European Parliament","and the Council or if, before the expiry of","that period, the European Parliament and","the Council have both informed the","Commission that they will not object. That","period shall be extended by 2 months at","the initiative of the European Parliament","or the Council."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"711","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Syed Kamall","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-712","justification":" Weighed against the administrative costs involved, it is not clear that the terminology\n standardisation process delivers real benefit.","location":[["Proposal for a directive","Article 24"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:49"},"new":["Deleted"],"old":["Article 24","Exercise of the delegation","1. The power to adopt delegated acts is","conferred on the Commission subject to","the conditions laid down in this Article.","2. The delegation of power referred to in","Article 23 shall be conferred for an","indeterminate period of time from the date","","of entry into force of this Directive.","3. The delegation of powers referred to in","Article 23 may be revoked at any time by","the European Parliament or by the","Council. A decision of revocation shall","put an end to the delegation of the power","specified in that decision. It shall take","effect the day following the publication of","the decision in the Official Journal of the","European Union or at a later date","specified therein. It shall not affect the","validity of any delegated acts already in","force.","4. As soon as it adopts a delegated act, the","Commission shall notify it simultaneously","to the European Parliament and to the","Council.","5. A delegated act adopted pursuant to","Article 23 shall enter into force only if no","objection has been expressed either by the","European Parliament or the Council","within a period of 2 months of notification","of that act to the European Parliament","and the Council or if, before the expiry of","that period, the European Parliament and","the Council have both informed the","Commission that they will not object. That","period shall be extended by 2 months at","the initiative of the European Parliament","or the Council."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"712","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-713","location":[[" Proposal for a directive","Article 24"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:49"},"new":["Deleted"],"old":["Article 24","Exercise of the delegation","1. The power to adopt delegated acts is","conferred on the Commission subject to","the conditions laid down in this Article.","2. The delegation of power referred to in","Article 23 shall be conferred for an","indeterminate period of time from the date","of entry into force of this Directive.","3. The delegation of powers referred to in","Article 23 may be revoked at any time by","the European Parliament or by the","Council. A decision of revocation shall","put an end to the delegation of the power","specified in that decision. It shall take","effect the day following the publication of","the decision in the Official Journal of the","European Union or at a later date","specified therein. It shall not affect the","validity of any delegated acts already in","force.","4. As soon as it adopts a delegated act, the","Commission shall notify it simultaneously","to the European Parliament and to the","Council.","5. 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That","period shall be extended by 2 months at","the initiative of the European Parliament","or the Council."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"713","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Werner Langen","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-714","location":[[" Proposal for a directive","Article 25"]],"meps":[1928],"meta":{"created":"2019-07-03T05:16:49"},"new":["Deleted"],"old":["Article 25","Implementing acts","1. For the adoption of implementing acts","under Article 4 and 5, the Commission","shall be assisted by the European","Banking Committee established by","Commission Decision 2004/10/EC. That","committee shall be a committee within the","meaning of Regulation (EU) No","182/2011.","2. Where reference is made to this","paragraph, Article 5 of Regulation (EU)","No 182/2011 shall apply."],"orig_lang":"de","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"714","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":" Sari Essayah","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-715","location":[[" Proposal for a directive","Article 25"]],"meps":[96682],"meta":{"created":"2019-07-03T05:16:49"},"new":["Deleted"],"old":["Article 25","Implementing acts","1. For the adoption of implementing acts","under Article 4 and 5, the Commission","shall be assisted by the European","Banking Committee established by","Commission Decision 2004/10/EC. That","committee shall be a committee within the","meaning of Regulation (EU) No","182/2011.","2. 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Therefore, in order to keep the regulatory framework up to date, it would be\nreasonable to do the review earlier than after five years.","location":[[" Proposal for a directive","Article 27 \u2013 paragraph 1"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:49"},"new":["1. The Commission shall present to the","European Parliament and the Council,","within three years of entry into force of","this Directive, a report on the application","of this Directive accompanied, if","appropriate, by a proposal."],"old":["1. The Commission shall present to the","European Parliament and the Council,","within five years of entry into force of this","Directive, a report on the application of","this Directive accompanied, if appropriate,","by a proposal."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"720","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sven Giegold on behalf of the Verts/ALE Group","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-721","justification":" This amendment aims at increasing the consistency of future financial service legislation,\n providing more guidance for the content of the report (as proposed by Rapporteur) and\n encouraging the development of a consumer friendly financial strength indicator for banks to\n complement other information on services and thus to promote \"market discipline\"","location":[["Proposal for a directive","Article 27 \u2013 paragraph 1 \u2013 subparagraph 1"]],"meps":[96730],"meta":{"created":"2019-07-03T05:16:49"},"new":["Furthermore, the Commission shall","present, if appropriate, the review of this","directive simultaneously and in one","document with the Payment Service","Directive, the Consumer Credit Directive","and the Regulation on Interchange-Fees","for Card-Based Payment Transactions.","The report shall include:","(a) a list of all infringement proceedings","brought by the Commission for incorrect","or incomplete implementation of this","Directive;","(b) an assessment of the impact of this","Directive on the harmonisation and","integration of retail banking within the","Union and on competition and average","fee levels in Member States;","(c) strategies to increase Union-wide","quality transparency and comparability","for payment service provision including","transparency on business models and","investment strategies and social corporate","responsibility;","(d) an assessment of the costs and benefits","of an implementation of full Union-wide","portability of payment account numbers","including a roadmap with concrete steps","necessary for such implementation;","(e) an assessment of the characteristics of","consumers who have opened payment","accounts with basic features since the","transposition of the Directive;","(f) examples of best practices among","Member States for reducing consumer","exclusion from access to payment","services;","(g) an assessment of the charges levied for","basic payment accounts, taking into","account the criteria listed in Article 17(3);","(h) an assessment of options of","establishing a Union-wide upper limit for","the total annual fees relating to opening","and using a payment account with basic","features and ways how to adapt such a","limit to national circumstances;","(i) an assessment of the impact of the","provision of payment accounts with basic","features on the market for other payment","accounts offering similar services.","(j) an assessment of the options available","for introducing a Union-wide financial","strength indicator for credit institutions,","based on supervisory assessment of","capital adequacy, assets quality,","governance and risk management,","earnings and liquidity and presented in a","simple, easy to understand format, such","as a traffic light system and aimed at","providing consumers with such","information as a complement to","transparency on charges for payment","accounts and other retail banking","services;"],"old":["",""],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"721","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Ludvigsson","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-722","location":[["Proposal for a directive","Article 27 \u2013 paragraph 2 a (new)"]],"meps":[96673],"meta":{"created":"2019-07-03T05:16:50"},"new":["2a. 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In light of this, 24 months seems more realistic than the current suggestion of\n\n12 months for implementation.","location":[[" Proposal for a directive","Article 28 \u2013 paragraph 1"]],"meps":[33569],"meta":{"created":"2019-07-03T05:16:50"},"new":["1. Member States shall adopt and publish,","by [two years after entry into force of this","Directive] at the latest, the laws,","regulations and administrative provisions","necessary to comply with this Directive.","They shall forthwith communicate to the","Commission the text of those provisions."],"old":["1. 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Member States shall adopt and publish,","by [two years after entry into force of this","Directive] at the latest, the laws,","regulations and administrative provisions","necessary to comply with this Directive.","They shall forthwith communicate to the","Commission the text of those provisions."],"old":["1. Member States shall adopt and publish,","by [one year after entry into force of this","Directive] at the latest, the laws,","regulations and administrative provisions","necessary to comply with this Directive.","They shall forthwith communicate to the","Commission the text of those provisions."],"orig_lang":"en","peid":"PE516.959v02-00","reference":"2013/0139(COD)","seq":"732","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.959+02+DOC+PDF+V0//EN&language=EN"},{"authors":"Sari Essayah, Sampo Terho","changes":{},"committee":["ECON"],"date":"2013-09-10T00:00:00","id":"PE516.959-733","justification":" One year for implementation is too short. ICT-changes take usually 12 - 18 months and they\n can start only after final national legislation is approved.","location":[[" Proposal for a directive","Article 28 \u2013 paragraph 1"]],"meps":[96682,107385],"meta":{"created":"2019-07-03T05:16:50"},"new":["1. Member States shall adopt and publish,","by [two years after entry into force of this","Directive] at the latest, the laws,","regulations and administrative provisions","necessary to comply with this Directive.","They shall forthwith communicate to the","Commission the text of those provisions"],"old":["1. 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They can also reduce","search costs as consumers will not need to","collect information separately from","payment service providers."],"old":["(18) Comparison websites are an effective","means for consumers to assess the merits","of different payment account offers in a","single space. They can provide the right","balance between the need for information","to be clear and concise, yet complete and","comprehensive, by enabling users to obtain","more detailed information where this is of","interest to them. They can also reduce","search costs as consumers will not need to","collect information separately from","payment service providers."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"68","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Cornelis de Jong","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-69","location":[["Proposal for a directive","Recital 19"]],"meta":{"created":"2019-07-03T05:35:07"},"new":["(19) In order to obtain impartial","information on bank fees as well as on","general banking policies in respect of","social responsibility, consumers should be","able to access comparison websites which","are operationally independent from","payment service providers. Member States","should therefore ensure that at least one","such website is available to consumers in","their respective territories. Such","comparison websites may be operated by","competent authorities, other public","authorities and/or accredited private","operators. Member States should establish","a voluntary accreditation scheme allowing","private operators of comparison websites to","apply for accreditation in accordance with","specified quality criteria. A comparison","website operated by a competent authority","or other public authority should be","established where a privately operated","website has not been accredited. Such","websites should also comply with the","quality criteria."],"old":["(19) In order to obtain impartial","information on bank fees, consumers","should be able to access comparison","websites which are operationally","independent from payment service","providers. Member States should therefore","ensure that at least one such website is","available to consumers in their respective","territories. Such comparison websites may","be operated by competent authorities, other","public authorities and/or accredited private","operators. Member States should establish","","a voluntary accreditation scheme allowing","private operators of comparison websites to","apply for accreditation in accordance with","specified quality criteria. A comparison","website operated by a competent authority","or other public authority should be","established where a privately operated","website has not been accredited. Such","websites should also comply with the","quality criteria."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"69","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Schmidt","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-70","location":[[" Proposal for a directive","Recital 20"]],"meps":[4274],"meta":{"created":"2019-07-03T05:35:07"},"new":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","Therefore, Member States should ensure","that when payment service providers offer","packaged payment accounts consumers are","provided with information whether it is","possible to buy the components of the","package separately and, if so shall provide","information of the costs and charges of","each financial service included in the","package separately. These obligations","should not apply to services which are","naturally connected to the use of the","payment account, such as withdrawals,","wire transfers or payment cards. As a","result, these services should be excluded","from the scope of this provision."],"old":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","Therefore, Member States should ensure","that when payment service providers offer","","packaged payment accounts consumers are","provided with information on the","applicable fees for the payment account","and for each other financial service","included in the package separately. These","obligations should not apply to services","which are naturally connected to the use of","the payment account, such as withdrawals,","wire transfers or payment cards. As a","result, these services should be excluded","from the scope of this provision."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"70","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Othmar Karas","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-71","justification":" It is necessary to distinguish between a packaged payment account that is a bundle of\n payment services, and a payment account that is offered together with other financial\n services, e.g. insurance. Consumers need to be informed about the components of the package\n they purchase, and the costs of that package plus additional costs for financial services that\n can also be bought separately.","location":[["Proposal for a directive","Recital 20"]],"meps":[4246],"meta":{"created":"2019-07-03T05:35:07"},"new":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","Therefore, Member States should ensure","that when payment service providers offer","payment accounts bundled with other","financial services, consumers are provided","with information on the applicable fees for","the payment account and for each other","financial service included in the package","separately, insofar as the payment account","and the other financial services can be","bought separately. These obligations","should not apply to services which are","naturally connected to the use of the","payment account, such as withdrawals,","wire transfers or payment cards. As a","result, these services should be excluded","from the scope of this provision."],"old":["(20) It is current practice for payment","service providers to offer a payment","account in a package with other financial","products or services. This practice can be a","means for payment service providers to","diversify their offer and to compete against","each other, and in the end it can be","beneficial for consumers. However the","Commission study on tying practices in the","financial sector conducted in 2009 as well","as relevant consultations and consumer","complaints have showed that payment","service providers may offer bank accounts","packaged with products not requested by","consumers and which are not essential for","payment accounts, such as household","insurance. Moreover, it has been observed","that these practices may reduce","transparency and comparability of prices,","limit purchasing options for consumers and","negatively impact upon their mobility.","Therefore, Member States should ensure","","that when payment service providers offer","packaged payment accounts consumers are","provided with information on the","applicable fees for the payment account","and for each other financial service","included in the package separately. These","obligations should not apply to services","which are naturally connected to the use of","the payment account, such as withdrawals,","wire transfers or payment cards. As a","result, these services should be excluded","from the scope of this provision."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"71","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-72","location":[[" Proposal for a directive","Recital 21"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:08"},"new":["(21) Consumers are only incentivised to","switch accounts if the process does not","entail an excessive administrative and","financial burden. The procedure for","switching payment accounts to another","payment service provider should be clear","and quick. The fees, if any, charged by","payment service providers in relation to the","switching service should be in line with the","actual cost incurred by payment service","providers."],"old":["(21) Consumers are only incentivised to","switch accounts if the process does not","entail an excessive administrative and","financial burden. The procedure for","switching payment accounts to another","payment service provider should be clear","and quick. The fees, if any, charged by","payment service providers in relation to the","switching service should be in line with the","actual cost incurred by payment service","providers. In order to have positive impact","","on competition, switching should also be","facilitated at cross-border level. Given","that switching cross-border could be more","complex than the switching at national","level and may require payment service","providers to adapt and refine their","internal procedures, longer deadlines for","the cross-border switch should be","foreseen. The need to maintain different","deadlines should be evaluated in the","context of the review of the proposed","Directive."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"72","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sergio Gaetano Cofferati","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-73","location":[["Proposal for a directive","Recital 24 a (new)"]],"meps":[96915],"meta":{"created":"2019-07-03T05:35:08"},"new":["(24a) In all Member States automatic","redirection services in case of switching","should be introduced. The European","Commission should conduct a","preliminary analysis on the establishment","of a system to ensure EU-wide payment","account number portability."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"73","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Cornelis de Jong","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-74","location":[["Proposal for a directive","Recital 25 a (new)"]],"meta":{"created":"2019-07-03T05:35:08"},"new":["(25a) To facilitate payment account","switching in the long term, EU-wide","payment account number portability","system is necessary. The European","Commission should be mandated to","conduct an in-depth cost-benefit analysis","and feasibility study on the EU-wide","payment account number portability with","a view to elaborating a technically","feasible and efficient way to introduce this","policy within the next years. In the","meantime, the automatic redirection","services should be introduced in all","Member States as an intermediary","solution."],"old":[""],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"74","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-75","location":[[" Proposal for a directive","Recital 27"]],"meps":[1913],"meta":{"created":"2019-07-03T05:35:08"},"new":["(27) Consumers who are legally staying in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy, and","of their place of residence. Moreover, the","right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing16 , in","particular with regard to customer due","diligence procedures.","__________________","16","OJ L 309, 25.11.2005, p. 15."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy, and","of their place of residence. Moreover, the","right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing16 , in","particular with regard to customer due","diligence procedures.","","","__________________","16","OJ L 309, 25.11.2005, p. 15."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"75","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Schmidt","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-76","location":[["Proposal for a directive","Recital 27"]],"meps":[4274],"meta":{"created":"2019-07-03T05:35:08"},"new":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances and of their place","of residence. Today, it is necessary to have","access to a bank account to enable","effective and full participation in the","financial and social community.","Consumers without a bank account are","forced to use cash which not only restricts","their choice of payment methods and","serves to exclude them from electronic","transactions, but is also more expensive.","Moreover, the right to access a payment","account with basic features in any Member","State should be granted in conformity with","the requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing16, in","particular with regard to customer due","diligence procedures.","__________________","16","OJ L 309, 25.11.2005, p. 15."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy,","and of their place of residence. Moreover,","the right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing16, in","particular with regard to customer due","diligence procedures.","__________________","16","OJ L 309, 25.11.2005, p. 15."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"76","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Cornelis de Jong","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-77","location":[[" Proposal for a directive","Recital 27"]],"meta":{"created":"2019-07-03T05:35:08"},"new":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances, such as for","example the level and regularity of","income, employment, credit history, or","personal history etc. Moreover, the right to","access a payment account with basic","features in any Member State should be","granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing16 , in","particular with regard to customer due","diligence procedures.","__________________","16","OJ L 309, 25.11.2005, p. 15. OJ L 309, 25.11.2005, p. 15."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy,","and of their place of residence. Moreover,","the right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing16 , in","particular with regard to customer due","diligence procedures.","__________________","16"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"77","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Birgit Collin-Langen","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-78","location":[[" Proposal for a directive","Recital 27"]],"meps":[112788],"meta":{"created":"2019-07-03T05:35:08"},"new":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State, provided that they do not already","have a payment account in another","Member State. In order to ensure the","widest possible access to such accounts,","consumers should have access to them","irrespective of their financial","circumstances, such as unemployment or","personal bankruptcy, and of their place of","residence. Moreover, the right to access a","payment account with basic features in any","Member State should be granted in","conformity with the requirements set out in","Directive 2005/60/EC of the European","Parliament and of the Council of 26","October 2005 on the prevention of the use","of the financial system for the purpose of","money laundering and terrorist financing16,","in particular with regard to customer due","diligence procedures.","__________________","16","OJ L 309, 25.11.2005, p. 15."],"old":["(27) Consumers who are legally resident in","the Union and who do not hold a payment","account in a certain Member State should","be in a position to open and use a payment","account with basic features in that Member","State. In order to ensure the widest possible","access to such accounts, consumers should","have access to them irrespective of their","financial circumstances, such as","unemployment or personal bankruptcy, and","of their place of residence. Moreover, the","right to access a payment account with","basic features in any Member State should","be granted in conformity with the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing16, in","particular with regard to customer due","diligence procedures.","__________________","16","OJ L 309, 25.11.05, p. 15."],"orig_lang":"de","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"78","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-79","location":[["Proposal for a directive","Recital 28"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:08"},"new":["(28) Member States should ensure that all","payment service provider offers a payment","account with basic features to consumers.","Access should not be overly difficult and","should not entail excessive costs for","consumers. In order to minimise the risk","for consumers to become financially","excluded, Member States should improve","financial education, including at school,","and combat over-indebtedness.","Furthermore, Member States should","promote initiatives of payment service","providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education."],"old":["(28) Member States should ensure that at","least one payment service provider offers a","payment account with basic features to","consumers. Access should not be overly","difficult and should not entail excessive","","costs for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their","territory. In order to minimise the risk for","consumers to become financially excluded,","Member States should improve financial","education, including at school, and combat","over-indebtedness. Furthermore, Member","States should promote initiatives of","payment service providers in order to","facilitate the combination of providing","payment accounts with basic features and","financial education."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"79","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Olle Schmidt","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-80","location":[[" Proposal for a directive","Recital 28"]],"meps":[4274],"meta":{"created":"2019-07-03T05:35:08"},"new":["(28) Member States should ensure that","banks active in the retail banking","business offer a payment account with","basic features to consumers. Access should","not be overly difficult and should not entail","excessive costs for consumers. In this","respect, Member States should ensure that","exemptions are only based on the","requirements set out in Directive","2005/60/EC of the European Parliament","and of the Council of 26 October 2005 on","the prevention of the use of the financial","system for the purpose of money","laundering and terrorist financing16 , in","particular with regard to customer due","diligence procedures. In order to minimise","the risk for consumers to become","financially excluded, Member States","should improve financial education,","including at school, and combat over-","indebtedness. Furthermore, Member States","should promote initiatives of payment","service providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education."],"old":["(28) Member States should ensure that at","least one payment service provider offers","a payment account with basic features to","consumers. Access should not be overly","difficult and should not entail excessive","costs for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their","territory. In order to minimise the risk for","consumers to become financially excluded,","Member States should improve financial","education, including at school, and combat","over-indebtedness. Furthermore, Member","States should promote initiatives of","payment service providers in order to","facilitate the combination of providing","payment accounts with basic features and","financial education.",""],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"80","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-81","location":[["Proposal for a directive","Recital 28"]],"meps":[1913],"meta":{"created":"2019-07-03T05:35:08"},"new":["(28) Member States should ensure that a","payment account with basic features is","offered to consumers by all payment","service providers offering payment","accounts, covering at least the services","listed in Article 16(1), as an integral part","of their regular business. Access to","payment services should be provided","throughout the Union for all consumers","legally staying in the Union, including","students, workers and homeless people","without a fixed address. Access should not","be overly difficult and should entail only a","nominal fee for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their territory.","In order to minimise the risk for consumers","to become financially excluded, Member","States should improve financial education,","including at school, and combat over-","indebtedness. Furthermore, Member States","should promote initiatives of payment","service providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education."],"old":["(28) Member States should ensure that at","least one payment service provider offers","a payment account with basic features to","consumers. Access should not be overly","difficult and should not entail excessive","costs for consumers. In this respect,","Member States should consider factors","such as the location of the designated","payment service providers in their territory.","In order to minimise the risk for consumers","to become financially excluded, Member","States should improve financial education,","including at school, and combat over-","indebtedness. Furthermore, Member States","should promote initiatives of payment","service providers in order to facilitate the","combination of providing payment","accounts with basic features and financial","education."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"81","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-82","location":[[" Proposal for a directive","Article 1 \u2013 paragraph 1"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:08"},"new":["1. This Directive lays down rules","concerning the transparency and","comparability of fees charged to consumers","on their payment accounts held within the","European Union and provided by payment","service providers located in the Union and","rules concerning the switching of payment","accounts within a Member State."],"old":["1. This Directive lays down rules","concerning the transparency and","comparability of fees charged to consumers","on their payment accounts held within the","European Union and provided by payment","service providers located in the Union and","rules concerning the switching of payment","accounts within the Union."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"82","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-83","location":[[" Proposal for a directive","Article 2 \u2013 paragraph 1 \u2013 point a a (new)"]],"meps":[1913],"meta":{"created":"2019-07-03T05:35:08"},"new":["(aa) 'legally staying' means any EU","citizen or person from a third-country that","is legally staying in the EU territory,","including students, workers and homeless","people without a fixed address;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"83","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-84","location":[[" Proposal for a directive","Article 2 \u2013 paragraph 1 \u2013 point c a (new)"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:09"},"new":["(ca) 'services linked to the payment","account' mean all services linked to a","payment account, including payment","services;"],"old":[""],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"84","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Cornelis de Jong","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-85","location":[["Proposal for a directive","Article 2 \u2013 paragraph 1 \u2013 point g"]],"meta":{"created":"2019-07-03T05:35:09"},"new":["(g) 'transferring payment service provider'","means the payment service provider from","which the consumer switches the payment","account"],"old":["(g) \u2018transferring payment service provider\u2019","means the payment service provider from","which the information on all or some","recurrent payments is transferred;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"85","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Cornelis de Jong","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-86","location":[["Proposal for a directive","Article 2 \u2013 paragraph 1 \u2013 point h"]],"meta":{"created":"2019-07-03T05:35:09"},"new":["(h) 'receiving payment service provider'","means the payment service provider to","which the consumer switches the payment","account;"],"old":["(h) \u2018receiving payment service provider\u2019","means the payment service provider to","which the information on all or some","recurrent payments is transferred;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"86","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Edvard Ko\u017eu\u0161n\u00edk","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-87","location":[["Proposal for a directive","Article 2 \u2013 paragraph 1 \u2013 point k"]],"meps":[96704],"meta":{"created":"2019-07-03T05:35:09"},"new":["k) 'fees' means the charges, if any, payable","by the consumer to the payment service","provider for the provision of payment","services or for transactions operated on a","payment account; 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Member States shall ensure that the","competent authorities referred to in Article","20, determine a provisional list of services","linked to the payment account","representing 80% of the most","representative services linked to the","payment account subject to a fee at","national level. The list shall contain terms","and definitions for each of the services","identified. A single name shall apply to","each service."],"old":["1. Member States shall ensure that the","competent authorities referred to in Article","20, determine a provisional list of at least","20 payment services accounting for at","least 80% of the most representative","payment services subject to a fee at","national level. 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Member States shall ensure that before","entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a fee","information document containing the list of","the most representative services referred","to in paragraph 5 of Article 3 and the","corresponding fees for each service."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"94","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-95","location":[["Proposal for a directive","Article 4 \u2013 paragraph 2"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:09"},"new":["2. 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Where one or more payment services","referred to in paragraph 1 is offered as part","of a package of financial services, the fee","information document shall disclose which","of the services referred to in paragraph 1","are included in the package, the fee for the","entire package and if possible to buy the","components separately, the fee for any","service that is not referred to in paragraph","1."],"old":["2. Where one or more payment services","referred to in paragraph 1 is offered as part","of a package of financial services, the fee","information document shall disclose which","of the services referred to in paragraph 1","are included in the package, the fee for the","entire package and the fee for any service","that is not referred to in paragraph 1."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"96","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Othmar Karas","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-97","justification":"The aim of this amendment is clarification of what should be included in the fee information\ndocument.","location":[[" Proposal for a directive","Article 4 \u2013 paragraph 2"]],"meps":[4246],"meta":{"created":"2019-07-03T05:35:09"},"new":["2. 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Member States shall insure that","consumers are informed comprehensively","and well in advance in written or","electronically when a service provider","intends to increase any fees before the","annual statement is published."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"103","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-104","location":[["Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point a"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:10"},"new":["(a) the unit fee charged for each service, or","in case of a package, the fee for the entire","package considering it as a single service,","the number of times the service was used","during the relevant period and the date on","which the service was used;"],"old":["(a) the unit fee charged for each service,","the number of times the service was used","during the relevant period and the date on","which the service was used;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"104","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-105","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point b"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:10"},"new":["(b) the total amount of fees incurred for","each service or packages of services","provided during the relevant period;"],"old":["(b) the total amount of fees incurred for","each service provided during the relevant","period;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"105","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-106","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point c"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:10"},"new":["(c) the total amount of fees incurred for all","services or packages of services provided","during the relevant period."],"old":["(c) the total amount of fees incurred for all","services provided during the relevant","period."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"106","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-107","location":[[" Proposal for a directive","Article 5 \u2013 paragraph 2 \u2013 point c a (new)"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:10"},"new":["(ca) the number of days the account was","overdrawn, the interest rates applied and","the total amount of interest paid during","the relevant period;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"107","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-108","location":[["Proposal for a directive","Article 5 \u2013 paragraph 3 a (new)"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:10"},"new":["3a. 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Member States shall ensure that in their","contractual and commercial information,","payment service providers use, where","relevant, the terms and definitions","contained in the list of the most","representative payment services referred to","in Article 3, paragraph 5."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"109","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Cornelis de Jong","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-110","location":[["Proposal for a directive","Article 6 \u2013 paragraph 1"]],"meta":{"created":"2019-07-03T05:35:10"},"new":["1. 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Member States shall ensure that in their","contractual and commercial information,","payment service providers use, where","relevant, the terms and definitions","contained in the list of the most","representative payment services referred to","in Article 3, paragraph 5."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"110","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Cornelis de Jong","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-111","location":[[" Proposal for a directive","Article 6 \u2013 paragraph 2"]],"meta":{"created":"2019-07-03T05:35:10"},"new":["2. 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Payment service","providers shall not use brand names in the","fee information document or the statement","of fees."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"111","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Catherine Stihler","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-112","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 point a"]],"meps":[4545],"meta":{"created":"2019-07-03T05:35:10"},"new":["(a) be operationally independent of any","payment service provider; Information on","the owner and provider of the website","should be easily available and visible;"],"old":["(a) be operationally independent of any","","payment service provider;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"112","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sergio Gaetano Cofferati","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-113","location":[["Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 point a a (new)"]],"meps":[96915],"meta":{"created":"2019-07-03T05:35:11"},"new":["(aa) be impartial and clearly set out the","criteria used to determine a recommended","payment account to a payment service","user;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"113","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sergio Gaetano Cofferati","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-114","location":[["Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 point a b (new)"]],"meps":[96915],"meta":{"created":"2019-07-03T05:35:11"},"new":["(ab) not display advertisements from","payment service providers, their agents,","affiliates or brands on the home page or","on the comparison pages;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"114","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-115","location":[["Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 point c"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:11"},"new":["(c) provide up-to-date accurate and user-","friendly information;"],"old":["(c) provide up-to-date information;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"115","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Catherine Stihler","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-116","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 point d"]],"meps":[4545],"meta":{"created":"2019-07-03T05:35:11"},"new":["(d) provide a sufficiently broad overview","of the payment accounts market and","provide information on how much of the","market share is covered by their website;"],"old":["(d) provide a sufficiently broad overview","of the payment accounts market;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"116","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sergio Gaetano Cofferati","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-117","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 2 \u2013 point e a (new)"]],"meps":[96915],"meta":{"created":"2019-07-03T05:35:11"},"new":["(ea) have systems in place to avoid","conflicts of interest, in order to ensure","that any direct or indirect ownership or","business relationships do not impede","compliance with the conditions listed in","this Paragraph;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"117","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Edvard Ko\u017eu\u0161n\u00edk","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-118","location":[["Proposal for a directive","Article 7 \u2013 paragraph 3"]],"meps":[96704],"meta":{"created":"2019-07-03T05:35:11"},"new":["deleted"],"old":["3. Where no website is accredited","pursuant to paragraph 2, Member States","shall ensure that a website operated by the","competent authority referred to in Article","20 or any other competent public","authority is established. Where a website","has been accredited pursuant to","paragraph 2, Member States may decide","to establish an additional website operated","by the competent authority referred to in","Article 20 or any other competent public","authority. Websites operated by a","competent authority pursuant to","paragraph 1 shall comply with","paragraphs 2 (a) to (e)."],"orig_lang":"cs","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"118","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Wim van de Camp","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-119","justification":" In The Netherlands and some other countries like Belgium it is common practice that the\n consumer pays an all-in fee for a standard payment account. Splitting the costs per service\n will make it more complicated and most probably more expensive for consumers as most\n services are transactional services, meaning a fee per transaction would apply. A package fee\n that includes all standard services is compared to other Member States the cheapest in The\n Netherlands.","location":[["Proposal for a directive","Article 8 \u2013 paragraph 1"]],"meps":[96754],"meta":{"created":"2019-07-03T05:35:11"},"new":["1. Member States shall ensure that when a","payment account is offered together with","another service or product as part of a","package, the payment service provider","informs the consumer of all products and","services being part of the package."],"old":["1. Member States shall ensure that when a","payment account is offered together with","another service or product as part of a","package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and provides separate","information regarding the costs and fees","associated with each of the products and","services offered in the package."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"119","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Othmar Karas","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-120","justification":" It is necessary to distinguish between a packaged payment account that is a bundle of\n payment services, and a payment account that is offered together with other financial\n services, e.g. insurance. Consumers need to be informed about the components of the package\n they purchase, and the costs of that package plus additional costs for financial services that\n can also be bought separately.","location":[[" Proposal for a directive","Article 8 \u2013 paragraph 1"]],"meps":[4246],"meta":{"created":"2019-07-03T05:35:11"},"new":["1. Member States shall ensure that when a","payment account is offered together with","another financial service or product as part","of a package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and if so provides separate","information regarding the costs and fees","associated with each of the financial","products and services offered in the","package, insofar as these can also be","bought separately."],"old":["1. Member States shall ensure that when a","payment account is offered together with","another service or product as part of a","package, the payment service provider","informs the consumer of whether it is","possible to buy the payment account","separately and provides separate","information regarding the costs and fees","associated with each of the products and","services offered in the package."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"120","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Hans-Peter Mayer, Sabine Verheyen, Andreas Schwab, Birgit Collin-Langen","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-121","justification":"Many consumers manage their financial affairs by organising collectively as cooperative\nbanks. Because the essence of a cooperative is the fact that the users are the members, some\ncooperative banks make membership a condition for opening a current account. Given that\nthe EU promotes the cooperative as a form of legal entity, inter alia through the Statute for a\nEuropean Cooperative Society, it is by no means unacceptable to make account opening\ncontingent on membership.","location":[["Proposal for a directive","Article 8 \u2013 paragraph 2 a (new)"]],"meps":[4275,96756,28223,112788],"meta":{"created":"2019-07-03T05:35:11"},"new":["2a. The acquisition of a share in a","cooperative shall not be deemed to be a","product or a service within the meaning of","paragraph 2."],"orig_lang":"de","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"121","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-122","location":[["Proposal for a directive","Article 9 \u2013 paragraph 1"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:11"},"new":["The provisions related to the switching as","laid down in Chapter III apply only to the","switching of payment accounts within a","Member State. Each Member State shall","ensure that payment service providers","provide a switching service as described in","Article 10 to any consumer who holds a","payment account with a payment service","provider located on its territory."],"old":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","the Union."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"122","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Wim van de Camp","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-123","location":[[" Proposal for a directive","Article 9 \u2013 paragraph 1"]],"meps":[96754],"meta":{"created":"2019-07-03T05:35:11"},"new":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider within the","same Member State."],"old":["Member States shall ensure that payment","service providers provide a switching","service as described in Article 10 to any","consumer who holds a payment account","with a payment service provider located in","the Union."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"123","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Cornelis de Jong","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-124","location":[[" Proposal for a directive","Article 9 \u2013 paragraph 1 a (new)"]],"meta":{"created":"2019-07-03T05:35:11"},"new":["Regarding switching between domestic","payment service providers, Member States","may uphold or establish provisions that","deviate from those outlined in Article 10 if","this entails efficiencies that are clearly in","the interest of the consumer. This applies","in particular to existing switching services","systems."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"124","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-125","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 introductory part"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:11"},"new":["3. Within three business days from the","receipt of the authorisation referred to in","paragraph 2, the receiving payment service","provider shall request the transferring","payment service provider to carry out the","following tasks:"],"old":["3. Within one business day from the","receipt of the authorisation referred to in","","paragraph 2, the receiving payment service","provider shall request the transferring","payment service provider to carry out the","following tasks:"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"125","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sergio Gaetano Cofferati","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-126","location":[["Proposal for a directive","Article 10 \u2013 paragraph 3 \u2013 point a a (new)"]],"meps":[96915],"meta":{"created":"2019-07-03T05:35:11"},"new":["(aa) provide a mechanism for automated","redirection of the standing orders and","direct debits to the account held by the","consumer with the receiving payment","service provider during a period of at least","one year.","(This paragraph is (-a). This paragraph is","to be put before Paragraph (a).)"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"126","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Evelyne Gebhardt","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-127","location":[["Proposal for a directive","Article 10 \u2013 paragraph 6 \u2013 point d"]],"meps":[1913],"meta":{"created":"2019-07-03T05:35:11"},"new":["(d) close the payment account free of","charge;"],"old":["(d) close the payment account;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"127","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-128","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 8"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:11"},"new":["deleted"],"old":["8. Member States shall ensure that the","provisions contained in paragraphs 1 to 7","also apply when the switching service is","initiated by a payment service provider","located in another Member State."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"128","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Wim van de Camp","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-129","justification":" A pan-European switching infrastructure will be costly and very difficult to accomplish due to\n practical challenges such as: the very high cost of setting up automated procedures\n throughout the EU (including non-euro zone countries), language barriers (i.e. in the case of\n Greece, Cyprus, Bulgaria, differences in respective alphabets), exchange rate risks,\n conversion of accounts and account mandates across multiple currencies (including non-\n Eurozone countries) as well as ensuring that insurance contract obligations are respected.\n Such an infrastructure is unnecessary not only due to the lack of current demand but also due\n to the very absence of justification for the service, as a change of country generally means a\n change of service providers and/or creditors for the customer. As regards the coherence with\n the Single Euro Payment Area (SEPA), it is suggested that the switching service would only\n apply within a Member State.","location":[[" Proposal for a directive","Article 10 \u2013 paragraph 8"]],"meps":[96754],"meta":{"created":"2019-07-03T05:35:11"},"new":["deleted"],"old":["8. Member States shall ensure that the","provisions contained in paragraphs 1 to 7","also apply when the switching service is","initiated by a payment service provider","located in another Member State."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"129","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-130","location":[["Proposal for a directive","Article 10 \u2013 paragraph 9"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:12"},"new":["deleted"],"old":["9. In the case indicated in paragraph 8,","the deadlines indicated in paragraphs 3, 4","and 6 shall be doubled. The present","provision shall be subject to review","pursuant to Article 27."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"130","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Catherine Stihler","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-131","location":[["Proposal for a directive","Article 11 \u2013 paragraph 3"]],"meps":[4545],"meta":{"created":"2019-07-03T05:35:12"},"new":["deleted"],"old":["3. Member States shall ensure that fees, if","any, applied by the transferring payment","service provider to the consumer for the","termination of the payment account held","with it are determined in accordance with","Article 45(2) of Directive 2007/64/EC."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"131","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Catherine Stihler","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-132","location":[["Proposal for a directive","Article 11 \u2013 paragraph 3"]],"meps":[4545],"meta":{"created":"2019-07-03T05:35:12"},"new":["deleted"],"old":["3. Member States shall ensure that fees, if","any, applied by the transferring payment","service provider to the consumer for the","","termination of the payment account held","with it are determined in accordance with","Article 45(2) of Directive 2007/64/EC."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"132","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-133","location":[[" Proposal for a directive","Article 11 \u2013 paragraph 3"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:12"},"new":["3. Member States shall ensure that no fees","are applied by the transferring payment","service provider to the consumer for the","termination of the payment account held","with it."],"old":["3. Member States shall ensure that fees, if","any, applied by the transferring payment","service provider to the consumer for the","termination of the payment account held","with it are determined in accordance with","Article 45(2) of Directive 2007/64/EC."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"133","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-134","location":[[" Proposal for a directive","Article 11 \u2013 paragraph 4"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:12"},"new":["4. Member States shall ensure that no fees","are applied by the transferring or the","receiving payment service provider to the","consumer for any service provided under","Article 10."],"old":["4. Member States shall ensure that fees, if","any, applied by the transferring or the","receiving payment service provider to the","consumer for any service provided under","Article 10, other than those referred to in","paragraphs 1 to 3, shall be appropriate","and in line with the actual costs of that","payment service provider."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"134","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-135","location":[["Proposal for a directive","Article 12 \u2013 paragraph 1"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:12"},"new":["1. Member States shall ensure that any","financial loss incurred by the consumer","resulting from the non-compliance of a","payment service provider involved in the","switching process with its obligations","under Article 10 is refunded as soon as","possible by that payment service provider."],"old":["1. Member States shall ensure that any","financial loss incurred by the consumer","resulting from the non-compliance of a","payment service provider involved in the","switching process with its obligations","under Article 10 is refunded by that","payment service provider."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"135","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Cornelis de Jong","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-136","location":[["Proposal for a directive","Article 12 \u2013 paragraph 1"]],"meta":{"created":"2019-07-03T05:35:12"},"new":["1. Member States shall ensure that any","financial loss incurred by the consumer","resulting from the non-compliance of a","payment service provider involved in the","switching process with its obligations","under Article 10 is immediately refunded","by that payment service provider. The","burden of proof shall rest with the","payment service provider, which shall","demonstrate that the conditions laid down","in Article 10 have been respected."],"old":["1. Member States shall ensure that any","financial loss incurred by the consumer","resulting from the non-compliance of a","payment service provider involved in the","switching process with its obligations","under Article 10 is refunded by that","payment service provider."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"136","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Catherine Stihler","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-137","location":[[" Proposal for a directive","Article 13 \u2013 paragraph 1 \u2013 point c"]],"meps":[4545],"meta":{"created":"2019-07-03T05:35:12"},"new":["deleted"],"old":["(c) the fees, if any, charged for the","switching process;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"137","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-138","location":[[" Proposal for a directive","Article 14 \u2013 paragraph 1"]],"meps":[1913],"meta":{"created":"2019-07-03T05:35:12"},"new":["Member States shall ensure that consumers","legally staying in the Union are not","discriminated against by reason of their","nationality or place of residence when","applying for or accessing a payment","account within the Union. Holding a basic","payment account shall further by no","means be discriminating. Making any","discrimination visible through for","example a different appearance of the","card, a different account or card number,","shall not be allowed."],"old":["Member States shall ensure that","consumers legally resident in the Union","are not discriminated against by reason of","their nationality or place of residence when","applying for or accessing a payment","account within the Union."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"138","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Edvard Ko\u017eu\u0161n\u00edk","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-139","location":[[" Proposal for a directive","Article 15"]],"meps":[96704],"meta":{"created":"2019-07-03T05:35:12"},"new":["deleted"],"old":["Article 15","Right to have access to a payment account","","","with basic features","1. Member States shall ensure that at least","one payment service provider in their","territory offers a payment account with","basic features to consumers. Member","States shall ensure that payment accounts","with basic features are not only offered by","payment service providers that provide the","account solely with online banking","facilities.","2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such","a right shall apply irrespective of the","consumer\u2019s place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory.","3. Payment services providers may not","refuse an application for access to a","payment account with basic features","except in the following cases:","a) Where a consumer already holds a","payment account, with a payment service","provider located in their territory, which","allows him to make use of the payment","services listed in Article 17(1);","b) where the conditions established by","Chapter II of Directive 2005/60 are not","satisfied.","4. Member States shall ensure that, in the","cases indicated in paragraph 3, the","payment service provider immediately","informs the consumer of the refusal, in","writing and free of charge, unless such","disclosure would be contrary to the","objectives of national security or public","","policy.","5. Member States shall ensure that, in the","cases indicated in paragraph 3(b), the","payment service provider adopts","appropriate measures pursuant to","Chapter III of Directive 2005/60.","6. Member States shall ensure that access","to a payment account with basic features","is not made conditional on the purchase","of additional services."],"orig_lang":"cs","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"139","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-140","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 1"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:12"},"new":["1. Member States shall ensure that all","payment service providers in their territory","offer a payment account with basic","features to consumers. Member States shall","ensure that payment accounts with basic","features are not only offered by payment","service providers that provide the account","solely with online banking facilities."],"old":["1. Member States shall ensure that at least","one payment service provider in their","territory offers a payment account with","basic features to consumers. Member","States shall ensure that payment accounts","with basic features are not only offered by","payment service providers that provide the","account solely with online banking","facilities."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"140","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Edvard Ko\u017eu\u0161n\u00edk","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-141","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 1"]],"meps":[96704],"meta":{"created":"2019-07-03T05:35:12"},"new":["1. Member States shall ensure that at least","one payment service provider in their","territory offers a payment account with","basic features to consumers."],"old":["1. Member States shall ensure that at least","one payment service provider in their","","territory offers a payment account with","basic features to consumers. Member","States shall ensure that payment accounts","with basic features are not only offered by","payment service providers that provide the","account solely with online banking","facilities."],"orig_lang":"cs","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"141","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Catherine Stihler","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-142","location":[["Proposal for a directive","Article 15 \u2013 paragraph 1"]],"meps":[4545],"meta":{"created":"2019-07-03T05:35:12"},"new":["1. Member States shall ensure that all","payment service providers in their territory","offer a payment account with basic","features to consumers. Member States shall","ensure that payment accounts with basic","features are not only offered by payment","service providers that provide the account","solely with online banking facilities."],"old":["1. Member States shall ensure that at least","one payment service provider in their","territory offers a payment account with","basic features to consumers. Member","States shall ensure that payment accounts","with basic features are not only offered by","payment service providers that provide the","account solely with online banking","facilities."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"142","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Olle Schmidt","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-143","location":[["Proposal for a directive","Article 15 \u2013 paragraph 1 a (new)"]],"meps":[4274],"meta":{"created":"2019-07-03T05:35:12"},"new":["1a. Member States shall ensure that when","a consumer is denied a payment account","on the free market, the refusal letter of the","payment service provider contains a","mandatory notice about the legal right to","a basic payment account and the","alternative dispute resolution body and its","contact details."],"old":[""],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"143","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-144","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:12"},"new":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features. Such a right","shall apply irrespective of the consumer's","place of residence. Member States shall","ensure that the exercise of the right is not","made difficult or burdensome for the","consumer. Before opening the payment","account with basic features, payment","service providers shall verify whether the","consumer holds or does not hold a payment","account in their territory."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"144","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyne Gebhardt","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-145","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[1913],"meta":{"created":"2019-07-03T05:35:12"},"new":["2. Member States shall ensure that","consumers legally staying in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify by asking the consumer to sign a","declaration of honour whether the","consumer holds or does not hold a payment","account in their territory."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"145","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Othmar Karas","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-146","justification":" It is questionable whether a payment service provider can or should be allowed to, due to\n data protection reasons, to verify whether the consumer holds a payment account in their\n territory. Therefore, they should accept a declaration of honour of the consumer that he/she is\n not already holder of a payment account, or a declaration of at least one financial institution\n that such a payment account has been denied the consumer.","location":[["Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[4246],"meta":{"created":"2019-07-03T05:35:13"},"new":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify that the consumer does not already","hold a payment account in their territory.","For this purpose, the consumer can","provide the payment service provider with","a declaration of honour, or with a","declaration of a financial institution that","verifies that the consumer has been","refused the opening of a regular payment","account."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer's place of residence. Member","States shall ensure that the exercise of the","right is not made excessively difficult or","burdensome for the consumer. Before","opening the payment account with basic","features, payment service providers shall","verify whether the consumer holds or does","not hold a payment account in their","territory."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"146","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Cornelis de Jong","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-147","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 2 a (new)"]],"meta":{"created":"2019-07-03T05:35:13"},"new":["2a. Member States shall ensure that","vulnerable groups in society, such as the","homeless, as well as the illiterate and low","literate and elderly shall be actively","supported when opening basic payment","accounts by, inter alia, promoting","memoranda of understanding between the","banking sector and non-governmental","organisations committed to supporting","these vulnerable groups."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"147","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-148","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 3 \u2013 point b a (new)"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:13"},"new":["(ba) where criminal offences, such as","fraud, have been identified."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"148","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Birgit Collin-Langen","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-149","location":[["Proposal for a directive","Article 15 \u2013 paragraph 3 \u2013 point b a (new)"]],"meps":[112788],"meta":{"created":"2019-07-03T05:35:13"},"new":["(ba) where a consumer already has a","payment account with basic features in","another Member State."],"orig_lang":"de","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"149","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Othmar Karas","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-150","location":[["Proposal for a directive","Article 15 \u2013 paragraph 3 a (new)"]],"meps":[4246],"meta":{"created":"2019-07-03T05:35:13"},"new":["3a. Where the consumer has provided","false information in order to obtain a","payment account with basic features, and","would otherwise, i.e. with the correct","information, have been denied the right to","obtain such account;"],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"150","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-151","location":[["Proposal for a directive","Article 15 \u2013 paragraph 4"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:13"},"new":["4. Member States shall ensure that, in the","cases indicated in paragraph 3, the payment","service provider immediately informs the","consumer of the refusal and the reason of","the refusal, in writing and free of charge,","unless such disclosure would be contrary to","the objectives of national security or public","policy."],"old":["4. Member States shall ensure that, in the","cases indicated in paragraph 3, the payment","service provider immediately informs the","consumer of the refusal, in writing and free","","of charge, unless such disclosure would be","contrary to the objectives of national","security or public policy."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"151","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Edvard Ko\u017eu\u0161n\u00edk","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-152","location":[[" Proposal for a directive","Article 16"]],"meps":[96704],"meta":{"created":"2019-07-03T05:35:13"},"new":["deleted"],"old":["Article 16","Characteristics of a payment account with","basic features","1. Member States shall ensure that a","payment account with basic features","includes the following payment services:","a) services enabling all the operations","required for the opening, operating and","closing of a payment account;","b) services enabling money to be placed","on a payment account;","c) services enabling cash withdrawals","within the Union from a payment","account;","d) execution of the following payment","transactions within the Union:","1) direct debit;","2) payment transactions through a","payment card, including online payments;","3) credit transfers.","2. Member States shall determine, for all","the services referred to in paragraph 1, a","minimum number of operations which","will be provided to the consumer for the","fee, if any, referred to in Article 17. The","minimum number of operations shall be","reasonable and in line with the common","","commercial practice in the Member State","concerned.","3. Member States shall ensure that the","consumer is able to manage and initiate","payment transactions from the","consumer's payment account with basic","features via the payment service","provider's online banking facilities, where","available.","4. Member States shall ensure that the","consumer is not offered any overdraft","facilities in conjunction with the payment","account with basic features."],"orig_lang":"cs","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"152","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Pierre Audy","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-153","location":[["Proposal for a directive","Article 16 \u2013 paragraph 4"]],"meps":[33775],"meta":{"created":"2019-07-03T05:35:13"},"new":["4. Member States shall ensure that the","consumer is not offered any overdraft","facilities as part of the basic features of","the payment account."],"old":["4. Member States shall ensure that the","consumer is not offered any overdraft","facilities in conjunction with the payment","account with basic features."],"orig_lang":"fr","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"153","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Edvard Ko\u017eu\u0161n\u00edk","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-154","location":[["Proposal for a directive","Article 17"]],"meps":[96704],"meta":{"created":"2019-07-03T05:35:13"},"new":["deleted"],"old":["Article 17","Associated fees","1. Member States shall ensure that the","","services indicated in Article 16 are offered","by payment service providers free of","charge or for a reasonable fee.","2. Member states shall ensure that the","fees charged to the consumer for non-","compliance with the consumer\u2019s","commitments laid down in the framework","contract are reasonable .","3. Member States shall ensure that the","competent authorities establish what","constitutes a reasonable fee according to","one or several of the following criteria:","a) national income levels;","b) average charges associated with","payment accounts in that Member State;","c) total costs relating to the provision of","the payment account with basic features;","d) national consumer prices.","4. The EBA shall develop guidelines","pursuant to Article 16 of Regulation (EU)","No 1093/2010 to assist the competent","authorities"],"orig_lang":"cs","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"154","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-155","location":[[" Proposal for a directive","Article 17 \u2013 paragraph 1"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:13"},"new":["1. Member States shall ensure that the","services indicated in Article 16 are offered","by payment service providers free of","charge or for a nominal fee."],"old":["1. Member States shall ensure that the","services indicated in Article 16 are offered","by payment service providers free of","charge or for a reasonable fee."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"155","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Pierre Audy","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-156","location":[["Proposal for a directive","Article 17 \u2013 paragraph 1"]],"meps":[33775],"meta":{"created":"2019-07-03T05:35:13"},"new":["1. Member States shall ensure that the","services indicated in Article 16 are offered","by payment service providers free of","charge."],"old":["1. Member States shall ensure that the","services indicated in Article 16 are offered","by payment service providers free of","charge or for a reasonable fee."],"orig_lang":"fr","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"156","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Edvard Ko\u017eu\u0161n\u00edk","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-157","location":[["Proposal for a directive","Article 17 \u2013 paragraph 1"]],"meps":[96704],"meta":{"created":"2019-07-03T05:35:13"},"new":["1. Member States shall ensure that the","services indicated in Article 16 are offered","by payment service providers for a","reasonable fee."],"old":["1. Member States shall ensure that the","services indicated in Article 16 are offered","by payment service providers free of","charge or for a reasonable fee."],"orig_lang":"cs","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"157","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Jean-Pierre Audy","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-158","location":[["Proposal for a directive","Article 17 \u2013 paragraph 3"]],"meps":[33775],"meta":{"created":"2019-07-03T05:35:13"},"new":["deleted"],"old":["3. Member States shall ensure that the","competent authorities establish what","constitutes a reasonable fee according to","one or several of the following criteria:","(a) national income levels;","","","(b) average charges associated with","payment accounts in that Member State;","(c) total costs relating to the provision of","the payment account with basic features;","(d) national consumer prices."],"orig_lang":"fr","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"158","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Edvard Ko\u017eu\u0161n\u00edk","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-159","location":[[" Proposal for a directive","Article 18"]],"meps":[96704],"meta":{"created":"2019-07-03T05:35:14"},"new":["deleted"],"old":["Article 18","Framework contracts and termination","1. Framework contracts providing access","to a payment account with basic features","shall be subject to the provisions of","Directive 2007/64/EC unless otherwise","specified in paragraphs 2 and 3.","2. The payment service provider may","unilaterally terminate a framework","contract where at least one of the","following conditions is met:","a) the consumer deliberately used the","account for criminal activities;","b) there has been no transaction on the","account for more than 12 consecutive","months;","c) the consumer knowingly provided","incorrect information in order to obtain","the payment account with basic features","where the correct information would have","resulted in the absence of such right;","d) the consumer is no longer legally","resident in the Union or has subsequently","opened a second payment account in the","Member State where he already holds a","payment account with basic features.","","3. 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Member States shall also ensure that","the consumer is informed that the","purchase of additional services is not","compulsory to access a payment account","with basic features."],"orig_lang":"cs","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"163","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Catherine Stihler","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-164","location":[["Proposal for a directive","Article 19 \u2013 paragraph 2"]],"meps":[4545],"meta":{"created":"2019-07-03T05:35:14"},"new":["2. Member States shall ensure that payment","service providers make available to","consumers accessible information and","adequate assistance about the specific","features of the payment account with basic","features on offer, their associated fees and","their conditions of use. Member States","shall also ensure that the consumer is","informed that the purchase of additional","services is not compulsory to access a","payment account with basic features."],"old":["2. Member States shall ensure that payment","service providers make available to","consumers information about the specific","features of the payment account with basic","features on offer, their associated fees and","their conditions of use. Member States","shall also ensure that the consumer is","informed that the purchase of additional","services is not compulsory to access a","payment account with basic features."],"orig_lang":"en","peid":"PE521.598v01-00","reference":"2013/0139(COD)","seq":"164","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-521.598+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Preslav Borissov","changes":{},"committee":["IMCO"],"date":"2013-10-14T00:00:00","id":"PE521.598-165","location":[["Proposal for a directive","Article 19 \u2013 paragraph 2 a (new)"]],"meps":[116816],"meta":{"created":"2019-07-03T05:35:14"},"new":["2a. 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Member States shall ensure that before","entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a fee","information document containing the list of","the most representative services referred to","in paragraph 5 of Article 3 and the","corresponding fees for each service."],"orig_lang":"de","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"9","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Evelyn Regner","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-10","location":[[" Proposal for a directive","Article 4 \u2013 paragraph 1"]],"meps":[96998],"meta":{"created":"2019-07-03T05:49:27"},"new":["Or. de","Justification"],"old":["entering into a contract for a payment","account with a consumer, payment service","providers provide the consumer with a fee","information document containing the list of","the most representative services referred to","in paragraph 5 of Article 3 and the","corresponding fees for each service.","","",""],"peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"10","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Hans-Peter Martin","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-11","location":[[" Proposal for a directive","Article 4 \u2013 paragraph 3"]],"meps":[4238],"meta":{"created":"2019-07-03T05:49:27"},"new":["deleted"],"old":["3. The title \"fee information document\"","shall prominently appear at the top of the","first page of the fee information document","next to a common symbol to distinguish","the document from other documentation."],"orig_lang":"de","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"11","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Hans-Peter Martin","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-12","location":[["Proposal for a directive","Article 4 \u2013 paragraph 6"]],"meps":[4238],"meta":{"created":"2019-07-03T05:49:28"},"new":["6. The fee information document and the","glossary shall be made available free of","charge and at all times by payment service","providers, at least in their branches and","offices, and shall be made available on","their websites."],"old":["6. The fee information document and the","glossary shall be made available free of","charge at all times by payment service","providers on a durable medium at","premises accessible to consumers and","shall be made available in electronic form","on their websites."],"orig_lang":"de","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"12","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Hans-Peter Martin","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-13","location":[["Proposal for a directive","Article 4 \u2013 paragraph 7"]],"meps":[4238],"meta":{"created":"2019-07-03T05:49:28"},"new":["deleted"],"old":["7. 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The Commission shall be empowered to","adopt implementing acts pursuant to","Article 26 to define the format of the","statement of fees, its common symbol and","the order in which the services referred to","in paragraph 5 of Article 3 shall be","presented in the statement of fees."],"orig_lang":"de","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"15","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Hans-Peter Martin","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-16","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 1"]],"meps":[4238],"meta":{"created":"2019-07-03T05:49:28"},"new":["1. 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Member States shall ensure that","consumers have access to at least one","website comparing fees charged by","payment service providers for services","offered on payment accounts at national","level in accordance with paragraphs 2 and","3."],"orig_lang":"de","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"16","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Hans-Peter Martin","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-17","location":[["Proposal for a directive","Article 7 \u2013 paragraph 2"]],"meps":[4238],"meta":{"created":"2019-07-03T05:49:28"},"new":["deleted"],"old":["2. Member States shall establish a","voluntary accreditation scheme for","websites comparing fees charged by","payment service providers for services","offered on payment accounts operated by","private operators. 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Where no website is accredited","pursuant to paragraph 2, Member States","shall ensure that a website operated by the","competent authority referred to in Article","20 or any other competent public","","authority is established. Where a website","has been accredited pursuant to","paragraph 2, Member States may decide","to establish an additional website operated","by the competent authority referred to in","Article 20 or any other competent public","authority. Websites operated by a","competent authority pursuant to","paragraph 1 shall comply with","paragraphs 2 (a) to (e)."],"orig_lang":"de","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"24","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Hans-Peter Martin","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-25","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 4"]],"meps":[4238],"meta":{"created":"2019-07-03T05:49:28"},"new":["deleted"],"old":["4. Member States shall retain the right to","refuse or withdraw accreditation from","private operators in the event of a failure","to comply with the obligations in","paragraph 2."],"orig_lang":"de","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"25","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Hans-Peter Martin","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-26","location":[[" Proposal for a directive","Article 7 \u2013 paragraph 5"]],"meps":[4238],"meta":{"created":"2019-07-03T05:49:28"},"new":["deleted"],"old":["5. Member States shall ensure that","adequate information about the websites","referred to in paragraph 1 is available to","consumers. This shall include, where","relevant, the maintenance of a publicly","accessible register of accredited","comparison websites."],"orig_lang":"de","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"26","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sergio Gaetano Cofferati","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-27","location":[["Proposal for a directive","Article 7 \u2013 paragraph 5 a (new)"]],"meps":[96915],"meta":{"created":"2019-07-03T05:49:29"},"new":["5a. By the end of 2018 also European","websites comparing fees charged by","payment service providers for services","offered on payment accounts in the","different Member States shall be","developed.","European Commission shall establish, by","that date, a public European comparison","website, operated in cooperation with","EBA.","By that date, European Commission shall","also develop through delegated act, in","accordance with Art 24, a voluntary","accreditation scheme for private","European comparison websites. In order","to be granted accreditation, European","comparison websites operated by private","operators shall respect all conditions","listed in Paragraph 2. European","Commission shall retain the right to","refuse or withdraw accreditation from","private operators in the event of a failure","to comply with the obligations listed in","Paragraph 2."],"orig_lang":"en","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"27","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sergio Gaetano Cofferati","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-28","location":[["Proposal for a directive","Article 7 \u2013 paragraph 5 b (new)"]],"meps":[96915],"meta":{"created":"2019-07-03T05:49:29"},"new":["5b. 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Member States shall ensure that no fees","are applied by the transferring payment","service provider to the consumer for the","termination of the payment account held","with it."],"old":["3. Member States shall ensure that fees, if","any, applied by the transferring payment","service provider to the consumer for the","termination of the payment account held","with it are determined in accordance with","Article 45(2) of Directive 2007/64/EC."],"orig_lang":"en","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"29","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sergio Gaetano Cofferati","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-30","location":[[" Proposal for a directive","Article 11 \u2013 paragraph 4"]],"meps":[96915],"meta":{"created":"2019-07-03T05:49:29"},"new":["4. Member States shall ensure that no fees","are applied by the transferring or the","receiving payment service provider to the","consumer for any service provided under","Article 10."],"old":["4. Member States shall ensure that fees, if","any, applied by the transferring or the","receiving payment service provider to the","consumer for any service provided under","Article 10, other than those referred to in","paragraphs 1 to 3, shall be appropriate","and in line with the actual costs of that","payment service provider."],"orig_lang":"en","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"30","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sergio Gaetano Cofferati","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-31","location":[["Proposal for a directive","Article 12 \u2013 paragraph 1"]],"meps":[96915],"meta":{"created":"2019-07-03T05:49:29"},"new":["1. Member States shall ensure that any","financial loss incurred by the consumer","resulting from the non-compliance of a","payment service provider involved in the","switching process with its obligations","under Article 10 is refunded by that","payment service provider. The burden of","proof shall rest with the payment service","provider, which shall demonstrate that the","conditions laid down in Art 10 have been","respected."],"old":["1. Member States shall ensure that any","financial loss incurred by the consumer","resulting from the non-compliance of a","payment service provider involved in the","switching process with its obligations","under Article 10 is refunded by that","payment service provider."],"orig_lang":"en","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"31","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Hans-Peter Martin","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-32","location":[["Proposal for a directive","Article 13 \u2013 paragraph 2"]],"meps":[4238],"meta":{"created":"2019-07-03T05:49:29"},"new":["2. The information shall be made available","free of charge and at all times by payment","service providers, at least in their","branches and offices, and shall be made","available on their websites."],"old":["2. The information shall be provided free","of charge on a durable medium at all","branches of the payment service providers","accessible to consumers and be available","in electronic form on their websites at all","times."],"orig_lang":"de","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"32","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Sergio Gaetano Cofferati","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-33","location":[[" Proposal for a directive","Article 14 a (new)"]],"meps":[96915],"meta":{"created":"2019-07-03T05:49:29"},"new":["Article 14a","Right to have access to a payment account","with basic features","All legal residents in the European Union","shall enjoy the right to have access to a","payment account with basic features free","of charge or as a maximum for a nominal","fee.","(This new Art should be put before Art 14)"],"orig_lang":"en","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"33","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":" Hans-Peter Martin","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-34","location":[[" Proposal for a directive","Article 15 \u2013 paragraph 2"]],"meps":[4238],"meta":{"created":"2019-07-03T05:49:29"},"new":["2. Member States shall ensure that","consumers legally resident in the Union","have the right - and the possibility of doing","so - to open and use a payment account","with basic features with the payment","service provider or providers identified","pursuant to paragraph 1. Such a right shall","apply irrespective of the consumer\u2019s place","of residence. Member States shall ensure","that the exercise of the right is not made","excessively difficult or burdensome for the","consumer. Before opening the payment","account with basic features, payment","service providers shall verify whether the","consumer holds a payment account in their","territory."],"old":["2. Member States shall ensure that","consumers legally resident in the Union","have the right to open and use a payment","","account with basic features with the","payment service provider or providers","identified pursuant to paragraph 1. Such a","right shall apply irrespective of the","consumer\u2019s place of residence. 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Member States shall ensure that the","services indicated in Article 16 are offered","by payment service providers free of","charge or for a reasonable fee."],"orig_lang":"en","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"35","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"},{"authors":"Sergio Gaetano Cofferati","changes":{},"committee":["JURI"],"date":"2013-08-29T00:00:00","id":"PE516.880-36","location":[["Proposal for a directive","Article 17 \u2013 paragraph 3 \u2013 introductory part"]],"meps":[96915],"meta":{"created":"2019-07-03T05:49:29"},"new":["3. Member States shall ensure that the","competent authorities establish what","constitutes the level of a nominal fee."],"old":["3. 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The authorities referred to in paragraph","1 shall possess all the powers necessary for","the performance of their duties. Where","more than one competent authority is","empowered to ensure and monitor effective","compliance with this Directive, Member","States shall ensure that those authorities","collaborate closely so that they can","discharge their respective duties","effectively. Those authorities shall closely","cooperate with the competent authorities","of other Member States to ensure the","correct and full application of the","measures established in this Directive."],"old":["2. The authorities referred to in paragraph","1 shall possess all the powers necessary for","the performance of their duties. Where","more than one competent authority is","empowered to ensure and monitor effective","compliance with this Directive, Member","States shall ensure that those authorities","collaborate closely so that they can","discharge their respective duties","effectively."],"orig_lang":"en","peid":"PE516.880v01-00","reference":"2013/0139(COD)","seq":"41","src":"http://www.europarl.europa.eu/sides/getDoc.do?pubRef=-//EP//NONSGML+COMPARL+PE-516.880+01+DOC+PDF+V0//EN&language=EN"}],"changes":{"2014-11-09T22:03:51":[{"data":[{"body":"EC","commission":[{"Commissioner":"BARNIER Michel","DG":{"title":"Internal Market and Services","url":"http://ec.europa.eu/dgs/internal_market/"}}],"date":"2013-05-08T00:00:00","docs":[{"celexid":"CELEX:52013PC0266:EN","text":["
PURPOSE: to improve and\ndevelop the single market for retail banking.
\nPROPOSED ACT: Regulation of the European Parliament\nand of the Council.
\nROLE OF THE EUROPEAN PARLIAMENT: the European\nParliament decides in accordance with the ordinary legislative\nprocedure and on an equal footing with the Council.
\nBACKGROUND: the lack of transparency and\ncomparability of charges and the difficulty of switching bank\naccounts continue to figure as obstacles to a fully integrated\ninternal market for retail banking.
\nA survey conducted by Eurobarometer in 2012 showed\nthat only 3% of the respondents declared having opened a payment\naccount cross-border.
\nConsumers were dissuaded from purchasing retail\nfinancial products cross-border by unclear information (21%), lack\nof clarity of the rights available to the consumer (18%) or the\nprocess being too complicated (15%).
\nSurveys and complaints from consumers demonstrate that\nmany citizens have faced difficulties in opening a payment\naccount due to their lack of a permanent address in the Member\nState where the payment service provider is located. This\nproblem affects a large number of EU consumers living in another\nMember State (12.3 million people in 2010).
\nFurthermore, the World Bank estimated that about 58\nmillion EU consumers do not have a payment account and\napproximately 25 million of them would like to open one.
\nThe fact that a large number of consumers does not\ncurrently participate in the internal market for financial services\nhas negative consequences for both payment service providers and\nconsumers.
\nInitiatives have already been taken in these\nareas: (i) the Payment Service\nDirective (2007/64/EC) provides certain transparency\nobligations with respect to the fees charged by payment service\nproviders; (ii) following a request from the Commission in 2010,\nthe banking industry at EU level proposed to develop, through\nself-regulation, a framework ensuring increased transparency\non payment account fees; (iii) in July 2011 the Commission issued\na Recommendation\non access to a basic payment account.
\nHowever, progress remains limited.
\nThe Single Market\nAct II adopted on 3 October 2012, identified a\nlegislative initiative on bank accounts in the EU as one of the\ntwelve priority actions to generate real effects on the ground and\nmake citizens and businesses confident to use the single market to\ntheir advantage.
\nIMPACT ASSESSMENT: the Commission prepared an impact\nassessment of policy options. These options concerned: (i) the\nscope of the new provisions, (ii) the level of standardisation,\n(iii) the setting up and functioning of measures on transparency\nand comparability of fees, switching between payment accounts,\nimproved access to basic payment services and (iv) how to ensure\ntheir effective application for consumers.
\nFollowing an assessment of the available options, the\nCommission concluded that in order to improve the functioning of\nthe switching process, it is necessary to enact measures to give\nbinding legal force to the provisions of the Common Principles on\naccount switching.
\nLEGAL BASIS: Article 114 of the Treaty on the\nFunctioning of the European Union.
\nCONTENT: the draft directive aims to: (i) improve the\ntransparency and comparability of fee information relating to\npayment accounts, (ii) facilitate switching between payment\naccounts, (iii) eliminate discrimination based on residency with\nrespect to payment accounts and (iv) provide access to a payment\naccount with basic features within the EU.
\nThe directive will apply to payment accounts held by\nconsumers. Consequently, accounts held by businesses are outside\nits scope. It will not cover savings accounts.
\n1) Transparency on fees:\nthe proposal requires payment service providers to provide\nconsumers with:
\n\n· \na fee information document containing\ninformation on the most representative payment services in each\nMember State, using the terms and definitions established at EU\nlevel where relevant;
\n\n· \na glossary drafted in clear, unambiguous\nand non-technical language, containing at least the list of payment\nservices and the related definitions;
\n\n· \ninformation on all the fees charged on the\naccount at least annually.
\nConsumers should be able to access comparison websites\nobtain to obtain impartial information on bank fees.
\n2) Changing accounts: the proposal:
\n\n· \nrequires Member States enact a general\nobligation for payment service providers to make a switching\nservice available to any consumer who holds an account with a\npayment service provider located in the Union;
\n\n· \nestablishes the specific roles and\nobligations for the receiving and transferring payment service\nproviders in the context of the switching service;
\n\n· \nestablishes principles to guarantee that the\ncharges related to the switching services are appropriate\nand in line with the costs incurred;
\n\n· \nestablishes the obligation for payment service\nproviders to refund charges incurred by consumers due to\ntheir mistake or delay during the switching service.
\n3) Access to a bank account: the proposal:
\n\n· \nrequires Member States to ensure that consumers\nare not discriminated against on the basis of their\nnationality or residence when applying for a payment account or in\ntheir use of a payment account;
\n\n· \nestablishes a right of access to a basic\npayment account for consumers in any Member State;
\n\n· \nrequires Member States to designate at least\none payment service provider to offer a basic payment\naccount;
\n\n· \nrequires Member States to ensure that services\nare offered by payment service providers free of charge or\nfor a reasonable fee.
\n\n· \nrecalls that Directive 2007/64/EC is applicable\nto payment accounts with basic features. However the proposal\nprovides for a limited list of grounds that may justify the\ntermination of the framework contract of a payment account with\nbasic features by the payment service provider.
\nLastly, the proposal requires Member States: (i) to\nestablish specific requirements for the settlement of\ndisputes between consumers and payment service providers; (ii)\nto establish rules on sanctions for breaches of the national\nprovisions adopted to implement the directive.
\nBUDGETARY IMPLICATIONS: the proposal has no\nimplications for the EU budget.
\nDELEGATED ACTS: the proposal contains provisions\nempowering the Commission to adopt delegated acts in accordance\nwith Article 290 of the Treaty on the Functioning of the European\nUnion.
\nThe Committee on Economic and Monetary Affairs adopted\nthe report by J|rgen KLUTE (GUE/NGL, DE) on the proposal for a\ndirective of the European Parliament and of the Council on the\ncomparability of fees related to payment accounts, payment account\nswitching and access to payment accounts with basic\nfeatures.
\nThe Committee on the Internal Market and Consumer\nProtection, took up its right as an associated committee in line\nwith Article 50 of the\nEuropean Parliament Rules of Procedure, to be\nequally consulted and to give an opinion on the present\nreport.
\nThe parliamentary committee recommended that the\nposition of the European Parliament adopted at first reading,\nfollowing the ordinary legislative procedure, amend the Commission\nproposal.
\nFee information document: payment service providers should provide consumers\nwith a comprehensive fee information document that states the fees\nfor all services before concluding a contract linked to the\npayment account.
\nThe fee information document should: i) state the fees\nfor all services linked to the payment account contained in the\nlist of the most representative services; ii) mention any further\nfees that can be applied to the account; iii) display a common\nsymbol on the first page, making it clearly distinguishable from\nsales or contractual communications. The consumers must be informed\nof any change in fees.
\nThe document should be accessible at all times\nand be published by providers in an electronic format on their\nwebsite, including for persons who are not clients.
\nIn addition, providers should provide consumers, free\nof charge, with a statement of all fees and the interest rates\napplied to their payment account on an annual basis.
\nThe Commission will have the power to adopt delegated\nacts relating to a standardised terminology at EU level for\npayment services common to a majority at least of Member States. In\neach Member State language a single term will be used for each\nservice.
\nComparison websites at national level: the Committee proposed that an independent and free\nwebsite shall be established in each Member State allowing\ncomparison of fees charged and interest paid by banks, as well as\ntheir level of service.
\nBy three years after the entry into force of this\nDirective, the European Banking Authority (EBA) shall provide a\npublicly accessible Union comparison website that enables\nconsumers to compare payment accounts offered within the internal\nmarket.
\nSwitching accounts:\nclients should be able to switch banks within the EU at reasonable\ncosts.
\nThe costs incurred by a customer during a change of\nbank due to a payment service providers failure to fulfil its\nobligations must be reimbursed within three days from the\nestablishment of non-compliance.
\nIf the Commission does not decide otherwise after a\nregulatory impact assessment, Member States should ensure, at the\nlatest six years after the entry into force of the directive, that\na system be put in place to allow the automated redirection\nof payments from one account to another within the same Member\nState.
\nAccess to a basic account: holding a basic payment account shall be in no way\ndiscriminatory.
\nMember States shall ensure that a payment account with\nbasic features is offered to consumers by all payment service\nproviders that operate in general retail payment\nservices.
\nThis right should apply regardless of the place of\nresidence of the consumer and the exercise of the right should not\nbe made excessively difficult or binding on the\ncustomer.
\nThe banks must process applications for access to a\npayment account with basic features within seven business days\nof receiving a complete application including proof of\nidentity.
\nMember States must also guarantee that a mechanism is\nin place:
\nTo open and use a payment account with basic features\nconsumers shall be required to have a genuine link to the Member\nState where they wish to open an account.That link shall\ninclude at least citizenship, family ties, centre of interests,\nplace of work, internship or apprenticeship, pursuit of job\nopportunities or other professional links, place of study or\nvocational training, residence, property and any outstanding asylum\nor migration application.
\nPayment accounts with basic features shall not\ninclude any overdraft facilities other than a temporary buffer\nfacility for small amounts. Payment service providers may offer\noverdraft facilities and other credit products as clearly separated\nservices.
\nGeneral information on basic accounts: the Committee requested that Member\nStates:
\nAlternative dispute resolution: the report suggests that Member States establish\nadequate and effective out-of-court complaint and redress\nprocedures for the settlement of disputes between consumers and\npayment service providers concerning rights and obligations\nestablished under this Directive. For those purposes, Member States\nshall designate existing bodies and, where appropriate, set up new\nbodies.
\nThe European Parliament adopted amendments to the\nproposal for a directive of the European Parliament and of the\nCouncil on the comparability of fees related to payment accounts,\npayment account switching and access to payment accounts with basic\nfeatures.
\nThe matter was referred back to the competent\ncommittee for re-consideration. The\nvote on the legislative resolution was moved to a later plenary\nsession.
\nThe main amendments were as follows:
\nFee information document: in order to help consumers compare payment account\nfees throughout the internal market easily, payment service\nproviders should provide consumers with a comprehensive fee\ninformation document that states the fees for all services\nlinked to the payment account contained in the list of the most\nrepresentative services and any further fees that can be\napplied to the account. The fee information document should use the\nstandardised terms and definitions established at Union level,\nwhere possible
\nThe document should be accessible at all\ntimes and be published by providers in an electronic\nformat on their website, including for persons who are not\nclients.
\nPayment service providers must make available to\nconsumers a glossary of all services linked to the account\nand the related definitions and explanations.
\nThe glossary must be drafted in clear, unambiguous and\nnon-technical language that it is not misleading.
\nFurthermore, banks should provide consumers, free of\ncharge, with a statement of all fees and the interest rates\napplied to their payment account on an annual\nbasis.
\nThe Commission will have the power to adopt delegated\nacts relating to a standardised terminology at EU\nlevel for payment services common to a majority at least\nof Member States. In each Member State language a single term will\nbe used for each service.
\nComparison websites at national level: Parliament proposed that an independent and free\nwebsite shall be established in each Member\nState allowing comparison of fees charged and interest\npaid by banks, as well as their level of service.
\nBy three years after the entry into force of this\nDirective, the European Banking Authority (EBA) shall\nprovide a publicly accessible Union comparison\nwebsite that enables consumers to compare payment accounts\noffered within the internal market.
\nSwitching accounts:\nclients should be able to switch banks within the EU at reasonable\ncosts.
\nThe costs incurred by a customer during a change of\nbank due to a payment service providers failure to fulfil its\nobligations must be reimbursed within three days\nfrom the establishment of non-compliance.
\nIf the Commission does not decide otherwise after a\nregulatory impact assessment, Member States should ensure, at the\nlatest six years after the entry into force of the directive, that\na system be put in place to allow the automated\nredirection of payments from one account to another within\nthe same Member State.
\nAccess to a basic account: holding a basic payment account shall be in no\nway discriminatory. Making any discrimination visible through,\nfor example, a different appearance of the card, a different\naccount or card number, shall be prohibited.
\nMember States shall ensure that a payment account\nwith basic features is offered to consumers by all payment\nservice providers that operate in general retail payment\nservices.
\nThis right should apply regardless of the place of\nresidence of the consumer and the exercise of the right should\nnot be made excessively difficult or binding on the\ncustomer.
\nAn amendment adopted in plenary stipulates that a\nMember State may decide to exempt payment service providers from\nthis obligation subject to the approval of the Commission and\non objective and restrictive criteria. The Commission shall approve\nthe exemptions where: (i) a level playing field among all payment\nservice providers is guaranteed, (ii) the right of access for\nconsumers is not undermined and (iii) the exemption does not lead\nto a situation in the Member State concerned where basic account\ncustomers face the risk of being stigmatised.
\nThe banks must process applications for access to a\npayment account with basic features within seven business\ndays of receiving a complete application including proof\nof identity.
\nMember States must also guarantee that a\nmechanism is in place:
\n\n· \nto assist consumers with no fixed address,\nasylum seekers and consumers who are not granted a residence permit\nbut whose expulsion is impossible for legal reasons to meet the\nrequirements of Chapter II of Directive 2005/60/EC;
\n\n· \nto ensure that unbanked, vulnerable\nconsumers as well as mobile consumers are informed about\nthe availability of payment accounts with basic\nfeatures.
\nTo open and use a payment account with basic features\nconsumers shall be required to have a genuine link to the\nMember State where they wish to open an account. That link\nshall include at least citizenship, family ties, centre of\ninterests, place of work, internship or apprenticeship, pursuit of\njob opportunities or other professional links, place of study or\nvocational training, residence, property and any outstanding asylum\nor migration application.
\nPayment accounts with basic features shall not\ninclude any overdraft facilities other than a temporary\nbuffer facility for small amounts. Payment service providers may\noffer overdraft facilities and other credit products as clearly\nseparated services.
\nGeneral information on basic accounts: Parliament requested that Member States:
\n\n· \nrequire educational establishments to\ndevelop services for the most vulnerable\ncustomers providing them with guidance and assistance in\nthe responsible management of their finances; encourage financial\neducation, including at schools;
\n\n· \nensure that the competent authorities publish,\nincluding on their website, an audit of the\nperformance of each payment service provider in terms of\nits compliance with the right of access requirement.
\nAlternative dispute resolution: Parliament suggests that Member States establish\nadequate and effective out-of-court complaint and redress\nprocedures for the settlement of disputes between consumers and\npayment service providers concerning rights and obligations\nestablished under this Directive. For those purposes, Member States\nshall designate existing bodies and, where appropriate, set up new\nbodies.
\nThe European Parliament adopted by 603 votes to 21,\nwith 51 abstentions, a legislative resolution on the proposal for a\ndirective of the European Parliament and of the Council on the\ncomparability of fees related to payment accounts, payment account\nswitching and access to payment accounts with basic\nfeatures.
\nThe report was referred back to the competent\ncommittee at the plenary session of 12 December 2013. Parliament\nadopted its position at first reading following the ordinary\nlegislative procedure. The amendments adopted in plenary are the\nresult of a negotiated agreement between the European Parliament\nand the Council. They amend the proposal as follows:
\nPurpose: the directive\nwould set i) rules concerning the transparency and comparability of\nfees charged to consumers on their payment accounts held within the\nEuropean Union; ii) rules concerning the switching of payment\naccounts within a Member State; and iii) assistance for consumers about cross-border opening\nof payment accounts. The directive will apply to accounts\nallowing consumers to make deposits, withdraw funds and make\npayment transactions, including transfers.
\nFee information document: in order to help consumers compare payment account\nfees throughout the internal market easily, payment service\nproviders should provide consumers with a comprehensive fee\ninformation document that states the fees for all services\nlinked to the payment account contained in the list of the most\nrepresentative services and any further fees that can be\napplied to the account. The fee information document should use the\nstandardised terms and definitions established at Union\nlevel, where possible.
\nThe fee information document should be easy to read\nand carry a common symbol. It should be clear and\nunambiguous using the currency of the payment account, and\nworded in the official language of the Member State in which the\naccount is proposed. The document should be accessible at all\ntimes, including for persons who are not clients.
\nPayment service providers must make available to\nconsumers a glossary of all services linked to the account\nproviding clear, non-technical and\nunambiguous explanations for at least the services linked to the payment account and the related\ndefinitions and explanations. The glossary must be drafted\nin clear, unambiguous and non-technical language that it is not\nmisleading.
\nIn addition, banks should provide consumers, free of\ncharge, with a statement of all fees and the interest rates\napplied to their payment account on an annual basis.
\nThe fee terminology should be determined by the\nMember States. In order to ensure a sufficient homogeneity of the\nnational lists, the European Banking\nAuthority (EBA) should establish\nguidelines to assist Member States to determine the services\nwhich are most commonly used and cause the\nhighest cost to consumers at national level.
\nComparison websites:\nconsumers should have free access\nto at least one independent\nwebsite allowing comparison of fees charged by banks for their most\nrepresentative levels of service.
\nSwitching accounts: to\nqualify for the best offers, customers should be able to opt, at\nreasonable cost, for another basic account within the\nEU.
\nThe switch from one bank account to another without\nchange of currency or country should be supported by the recipient\nbank, at the request of the authoriser and with his\nauthorisation.
\nThe authorisation should allow the consumer to specify\nthe incoming transfers, standing orders and direct debits to be\ntransferred. The recipient bank should within two working\ndays of receiving the clients authorisation, request the\ntransfer service provider to carry out the authorised\ntasks.
\nBanks would be required to reimburse the\nclient, as soon as possible, for any financial loss (including\ncosts and interest) directly resulting from errors in the process\nof changing the account. When a client instructs his bank that he\nwishes to open an account in another Member State, the bank\nwith which he holds an account should provide assistance on\nreceiving his request.
\nAccess to a basic payment account: in line with Parliaments wishes, the Member\nStates should ensure that a basic payment account is offered to\nconsumers by all payment service providers or in sufficient numbers\nto guarantee access to such an account for all consumers in\nthe Member State concerned.
\nThe conditions applicable to\nholding a basic payment account should be in no way\ndiscriminatory. All persons legally resident in the EU \nincluding clients without a fixed address or residence\npermit could open a basic account. However, Member\nStates may, so long as fundamental rights are respected, require\npotential clients to explain their reason for opening such a\nbank account in the particular country, so long as\nthe process is not excessively\ndifficult or binding.
\nThe application for access to a basic payment account\nshould be rejected without delay and no later than ten working days\nfrom receiving the completed application. In any case, it would be\nturned down if the opening of an account involved infringing the\nprovisions on the prevention of money laundering or the fight\nagainst terrorism.
\nCharacteristics of a payment account with basic\nfeatures: the basic account would allow clients:
\n\n· \nservices enabling all the operations required\nfor the opening, operating and closing of a payment\naccount;
\n\n· \nservices enabling money to be placed on a payment\naccount
\n\n· \nto withdraw cash withdrawals within the Union\nfrom a payment account at the bank counter and\nat automated teller machines during or outside the bank's opening\nhours;
\n\n· \nexecution of the following within the Union: i)\ndirect debits; ii) payment transactions by way\nof payment card including online payments; iii) credit\ntransfers, including standing orders, at\nterminals, counters and via the online facilities of the payment\nservice provider.
\nThe clients may carry out an\nunlimited number of operations, either free of charge or at a\nreasonable price.
\nWhen they allow credit\ninstitution to provide, at the request of the customer, an\noverdraft facility linked to a basic account, Member States\nwould have the option to set a maximum amount or duration for this\noverdraft.
\nLastly, Member States should\nensure that communication measures are sufficient and well\ntargeted, in particular reaching out to unbanked, vulnerable and\nmobile consumers.
\nPURPOSE: to ensure access to basic payment accounts\nand improve the availability of information on fees related to\npayment accounts.
\nLEGISLATIVE ACT: Directive 2014/92/EU of the European\nParliament and of the Council on the comparability of fees related\nto payment accounts, payment account switching and access to\npayment accounts with basic features.
\nCONTENT: the Directive lays down : (i) rules\nconcerning the transparency and comparability of fees\ncharged to consumers on their payment accounts held within the\nUnion, (ii) rules concerning the switching of payment accounts\nwithin a Member State and (iii) rules to facilitate cross-border\npayment account-opening for consumers.
\nThe Directive also defines a framework for the rules\nand conditions according to which Member States are required to\nguarantee a right for consumers to open and use payment\naccounts with basic features in the Union.
\nIn its resolution of 4 July\n2012, with recommendations to the Commission, the\nEuropean Parliament said that more must be done to improve and\ndevelop the internal market for retail banking.
\nThe main points of the Directive are as\nfollows:
\nComparability of payment account fees: in order to help consumers compare payment account\nfees throughout the internal market easily, banks should provide\nconsumers with:
\n\n· \na fee information document that states the fees for all services linked to\nthe payment account contained in the list of the most\nrepresentative services linked to a payment account and\nsubject to a fee at national level. The document should where\napplicable use the standardised terms and definitions established\nat Union level. It should: (i) be a short and stand-alone document;\n(ii) be presented and laid out in a way that is clear and easy to\nread, using characters of a readable size; (iii) be written in the\nofficial language of the Member State where the payment account is\noffered. The following must be provided in an easily accessible\nmanner, including to non-customers:
\n\n· \na glossary of\nat least the standardised terms set out in the final list of the\nmost representative services and the related definitions. The\nglossary must be drafted in clear, unambiguous and non-technical\nlanguage;
\n\n· \na statement of all fees and the interest rates\napplied to their payment account on an annual\nbasis.
\n\n· \nfree access to at least\none independent website allowing comparison of fees charged by banks for their\nmost representative levels of service.
\nSwitching accounts in a Member State: payment service providers must provide a switching\nservice between payment accounts held in the same currency to any\nconsumer who opens or holds a payment account with a payment\nservice provider located in the territory of the Member State\nconcerned.
\nThe switch from one bank account to another without\nchange of currency or country should be supported by the\nrecipient bank, at the request of the authoriser and with his\nauthorisation.
\nThe authorisation should\nallow the consumer to: (i) specify the incoming transfers, standing\norders and direct debits to be transferred; (ii) specify the date\nfrom which standing orders for credit transfers and direct debits\nare to be executed from the payment account opened or held with the\nreceiving payment service provider. That date shall be at least\nsix business days after the date on which the receiving payment\nservice provider receives the documents transferred from the\ntransferring payment service provider.
\nThe recipient bank should within two working\ndays of receiving the clients authorisation, request\nthe transfer service provider to carry out the authorised\ntasks.
\nFees connected with the\nswitching service must be reasonable. The banks must reimburse\nthe customer without delay for any financial loss, including\ncharges and interest, resulting directly from mistakes in the\nswitching process.
\nWhen a client instructs his bank that he wishes\nto open an account in another Member State, the bank\nwith which he holds an account should\nprovide assistance on receiving his request.
\nAccess to a basic payment account: the Directive ensures that credit institutions do\nnot discriminate against consumers legally resident in the\nUnion by reason of their nationality or place of\nresidence.
\nSpecifically, consumers legally resident in the Union,\nincluding consumers with no fixed address and asylum seekers, and\nconsumers who are not granted a residence permit but whose\nexpulsion is impossible for legal or factual reasons, will have the\nright to open and use a payment account with basic features with\ncredit institutions located in their territory. consumers should\nshow a genuine interest in opening an account, but this\nrequirement must not be made too difficult or burdensome for the\nconsumer.
\nThe application for access to a basic payment account\nshould be rejected without delay and no later than ten working\ndays from receiving the completed application. In any case, it\nwould be turned down if the opening of an account involved\ninfringing the provisions on the prevention of money laundering or\nthe fight against terrorism.
\nBasic accounts will\nallow customers:
\n\n· \nservices enabling all the operations required\nfor the opening, operating and closing of a payment\naccount;
\n\n· \nservices enabling money to be placed\non a payment account
\n\n· \nto withdraw cash withdrawals within the Union\nfrom a payment account at the bank counter and at automated\nteller machines during or outside the bank's opening\nhours;
\n\n· \nexecution of the following within the Union: i)\ndirect debits; ii) payment transactions by way of payment\ncard including online payments; iii) credit transfers,\nincluding standing orders, at terminals, counters and via the\nonline facilities of the payment service provider.
\nCustomers may carry out an unlimited number of\noperations, either free of charge or at a reasonable\nprice.
\nWhen they allow credit institution to provide, at the\nrequest of the customer, an overdraft\nfacility linked to a basic account, Member States have the\noption to set a maximum amount or duration for this\noverdraft.
\nCompetent authorities:\nthe Directive requires Member States to designate the national\ncompetent authorities empowered to ensure the application and\nenforcement of the Directive and ensure that they are granted\ninvestigation and enforcement powers and adequate resources\nnecessary for the efficient and effective performance of their\nduties. Competent authorities of different Member States shall\ncooperate with each other whenever necessary for the purpose of\ncarrying out their duties.
\nReview: by 18 September\n2019, the Commission shall submit a report on the application of\nthe Directive accompanied, if appropriate, by a legislative\nproposal.
\nENTRY INTO FORCE: 17.9.2014.
\nTRANSPOSITION: 18.9.2016.
\nPURPOSE: to improve and\ndevelop the single market for retail banking.
\nPROPOSED ACT: Regulation of the European Parliament\nand of the Council.
\nROLE OF THE EUROPEAN PARLIAMENT: the European\nParliament decides in accordance with the ordinary legislative\nprocedure and on an equal footing with the Council.
\nBACKGROUND: the lack of transparency and\ncomparability of charges and the difficulty of switching bank\naccounts continue to figure as obstacles to a fully integrated\ninternal market for retail banking.
\nA survey conducted by Eurobarometer in 2012 showed\nthat only 3% of the respondents declared having opened a payment\naccount cross-border.
\nConsumers were dissuaded from purchasing retail\nfinancial products cross-border by unclear information (21%), lack\nof clarity of the rights available to the consumer (18%) or the\nprocess being too complicated (15%).
\nSurveys and complaints from consumers demonstrate that\nmany citizens have faced difficulties in opening a payment\naccount due to their lack of a permanent address in the Member\nState where the payment service provider is located. This\nproblem affects a large number of EU consumers living in another\nMember State (12.3 million people in 2010).
\nFurthermore, the World Bank estimated that about 58\nmillion EU consumers do not have a payment account and\napproximately 25 million of them would like to open one.
\nThe fact that a large number of consumers does not\ncurrently participate in the internal market for financial services\nhas negative consequences for both payment service providers and\nconsumers.
\nInitiatives have already been taken in these\nareas: (i) the Payment Service\nDirective (2007/64/EC) provides certain transparency\nobligations with respect to the fees charged by payment service\nproviders; (ii) following a request from the Commission in 2010,\nthe banking industry at EU level proposed to develop, through\nself-regulation, a framework ensuring increased transparency\non payment account fees; (iii) in July 2011 the Commission issued\na Recommendation\non access to a basic payment account.
\nHowever, progress remains limited.
\nThe Single Market\nAct II adopted on 3 October 2012, identified a\nlegislative initiative on bank accounts in the EU as one of the\ntwelve priority actions to generate real effects on the ground and\nmake citizens and businesses confident to use the single market to\ntheir advantage.
\nIMPACT ASSESSMENT: the Commission prepared an impact\nassessment of policy options. These options concerned: (i) the\nscope of the new provisions, (ii) the level of standardisation,\n(iii) the setting up and functioning of measures on transparency\nand comparability of fees, switching between payment accounts,\nimproved access to basic payment services and (iv) how to ensure\ntheir effective application for consumers.
\nFollowing an assessment of the available options, the\nCommission concluded that in order to improve the functioning of\nthe switching process, it is necessary to enact measures to give\nbinding legal force to the provisions of the Common Principles on\naccount switching.
\nLEGAL BASIS: Article 114 of the Treaty on the\nFunctioning of the European Union.
\nCONTENT: the draft directive aims to: (i) improve the\ntransparency and comparability of fee information relating to\npayment accounts, (ii) facilitate switching between payment\naccounts, (iii) eliminate discrimination based on residency with\nrespect to payment accounts and (iv) provide access to a payment\naccount with basic features within the EU.
\nThe directive will apply to payment accounts held by\nconsumers. Consequently, accounts held by businesses are outside\nits scope. It will not cover savings accounts.
\n1) Transparency on fees:\nthe proposal requires payment service providers to provide\nconsumers with:
\n\n· \na fee information document containing\ninformation on the most representative payment services in each\nMember State, using the terms and definitions established at EU\nlevel where relevant;
\n\n· \na glossary drafted in clear, unambiguous\nand non-technical language, containing at least the list of payment\nservices and the related definitions;
\n\n· \ninformation on all the fees charged on the\naccount at least annually.
\nConsumers should be able to access comparison websites\nobtain to obtain impartial information on bank fees.
\n2) Changing accounts: the proposal:
\n\n· \nrequires Member States enact a general\nobligation for payment service providers to make a switching\nservice available to any consumer who holds an account with a\npayment service provider located in the Union;
\n\n· \nestablishes the specific roles and\nobligations for the receiving and transferring payment service\nproviders in the context of the switching service;
\n\n· \nestablishes principles to guarantee that the\ncharges related to the switching services are appropriate\nand in line with the costs incurred;
\n\n· \nestablishes the obligation for payment service\nproviders to refund charges incurred by consumers due to\ntheir mistake or delay during the switching service.
\n3) Access to a bank account: the proposal:
\n\n· \nrequires Member States to ensure that consumers\nare not discriminated against on the basis of their\nnationality or residence when applying for a payment account or in\ntheir use of a payment account;
\n\n· \nestablishes a right of access to a basic\npayment account for consumers in any Member State;
\n\n· \nrequires Member States to designate at least\none payment service provider to offer a basic payment\naccount;
\n\n· \nrequires Member States to ensure that services\nare offered by payment service providers free of charge or\nfor a reasonable fee.
\n\n· \nrecalls that Directive 2007/64/EC is applicable\nto payment accounts with basic features. However the proposal\nprovides for a limited list of grounds that may justify the\ntermination of the framework contract of a payment account with\nbasic features by the payment service provider.
\nLastly, the proposal requires Member States: (i) to\nestablish specific requirements for the settlement of\ndisputes between consumers and payment service providers; (ii)\nto establish rules on sanctions for breaches of the national\nprovisions adopted to implement the directive.
\nBUDGETARY IMPLICATIONS: the proposal has no\nimplications for the EU budget.
\nDELEGATED ACTS: the proposal contains provisions\nempowering the Commission to adopt delegated acts in accordance\nwith Article 290 of the Treaty on the Functioning of the European\nUnion.
\nThe Committee on Economic and Monetary Affairs adopted\nthe report by J|rgen KLUTE (GUE/NGL, DE) on the proposal for a\ndirective of the European Parliament and of the Council on the\ncomparability of fees related to payment accounts, payment account\nswitching and access to payment accounts with basic\nfeatures.
\nThe Committee on the Internal Market and Consumer\nProtection, took up its right as an associated committee in line\nwith Article 50 of the\nEuropean Parliament Rules of Procedure, to be\nequally consulted and to give an opinion on the present\nreport.
\nThe parliamentary committee recommended that the\nposition of the European Parliament adopted at first reading,\nfollowing the ordinary legislative procedure, amend the Commission\nproposal.
\nFee information document: payment service providers should provide consumers\nwith a comprehensive fee information document that states the fees\nfor all services before concluding a contract linked to the\npayment account.
\nThe fee information document should: i) state the fees\nfor all services linked to the payment account contained in the\nlist of the most representative services; ii) mention any further\nfees that can be applied to the account; iii) display a common\nsymbol on the first page, making it clearly distinguishable from\nsales or contractual communications. The consumers must be informed\nof any change in fees.
\nThe document should be accessible at all times\nand be published by providers in an electronic format on their\nwebsite, including for persons who are not clients.
\nIn addition, providers should provide consumers, free\nof charge, with a statement of all fees and the interest rates\napplied to their payment account on an annual basis.
\nThe Commission will have the power to adopt delegated\nacts relating to a standardised terminology at EU level for\npayment services common to a majority at least of Member States. In\neach Member State language a single term will be used for each\nservice.
\nComparison websites at national level: the Committee proposed that an independent and free\nwebsite shall be established in each Member State allowing\ncomparison of fees charged and interest paid by banks, as well as\ntheir level of service.
\nBy three years after the entry into force of this\nDirective, the European Banking Authority (EBA) shall provide a\npublicly accessible Union comparison website that enables\nconsumers to compare payment accounts offered within the internal\nmarket.
\nSwitching accounts:\nclients should be able to switch banks within the EU at reasonable\ncosts.
\nThe costs incurred by a customer during a change of\nbank due to a payment service providers failure to fulfil its\nobligations must be reimbursed within three days from the\nestablishment of non-compliance.
\nIf the Commission does not decide otherwise after a\nregulatory impact assessment, Member States should ensure, at the\nlatest six years after the entry into force of the directive, that\na system be put in place to allow the automated redirection\nof payments from one account to another within the same Member\nState.
\nAccess to a basic account: holding a basic payment account shall be in no way\ndiscriminatory.
\nMember States shall ensure that a payment account with\nbasic features is offered to consumers by all payment service\nproviders that operate in general retail payment\nservices.
\nThis right should apply regardless of the place of\nresidence of the consumer and the exercise of the right should not\nbe made excessively difficult or binding on the\ncustomer.
\nThe banks must process applications for access to a\npayment account with basic features within seven business days\nof receiving a complete application including proof of\nidentity.
\nMember States must also guarantee that a mechanism is\nin place:
\nTo open and use a payment account with basic features\nconsumers shall be required to have a genuine link to the Member\nState where they wish to open an account.That link shall\ninclude at least citizenship, family ties, centre of interests,\nplace of work, internship or apprenticeship, pursuit of job\nopportunities or other professional links, place of study or\nvocational training, residence, property and any outstanding asylum\nor migration application.
\nPayment accounts with basic features shall not\ninclude any overdraft facilities other than a temporary buffer\nfacility for small amounts. Payment service providers may offer\noverdraft facilities and other credit products as clearly separated\nservices.
\nGeneral information on basic accounts: the Committee requested that Member\nStates:
\nAlternative dispute resolution: the report suggests that Member States establish\nadequate and effective out-of-court complaint and redress\nprocedures for the settlement of disputes between consumers and\npayment service providers concerning rights and obligations\nestablished under this Directive. For those purposes, Member States\nshall designate existing bodies and, where appropriate, set up new\nbodies.
\nThe European Parliament adopted amendments to the\nproposal for a directive of the European Parliament and of the\nCouncil on the comparability of fees related to payment accounts,\npayment account switching and access to payment accounts with basic\nfeatures.
\nThe matter was referred back to the competent\ncommittee for re-consideration. The\nvote on the legislative resolution was moved to a later plenary\nsession.
\nThe main amendments were as follows:
\nFee information document: in order to help consumers compare payment account\nfees throughout the internal market easily, payment service\nproviders should provide consumers with a comprehensive fee\ninformation document that states the fees for all services\nlinked to the payment account contained in the list of the most\nrepresentative services and any further fees that can be\napplied to the account. The fee information document should use the\nstandardised terms and definitions established at Union level,\nwhere possible
\nThe document should be accessible at all\ntimes and be published by providers in an electronic\nformat on their website, including for persons who are not\nclients.
\nPayment service providers must make available to\nconsumers a glossary of all services linked to the account\nand the related definitions and explanations.
\nThe glossary must be drafted in clear, unambiguous and\nnon-technical language that it is not misleading.
\nFurthermore, banks should provide consumers, free of\ncharge, with a statement of all fees and the interest rates\napplied to their payment account on an annual\nbasis.
\nThe Commission will have the power to adopt delegated\nacts relating to a standardised terminology at EU\nlevel for payment services common to a majority at least\nof Member States. In each Member State language a single term will\nbe used for each service.
\nComparison websites at national level: Parliament proposed that an independent and free\nwebsite shall be established in each Member\nState allowing comparison of fees charged and interest\npaid by banks, as well as their level of service.
\nBy three years after the entry into force of this\nDirective, the European Banking Authority (EBA) shall\nprovide a publicly accessible Union comparison\nwebsite that enables consumers to compare payment accounts\noffered within the internal market.
\nSwitching accounts:\nclients should be able to switch banks within the EU at reasonable\ncosts.
\nThe costs incurred by a customer during a change of\nbank due to a payment service providers failure to fulfil its\nobligations must be reimbursed within three days\nfrom the establishment of non-compliance.
\nIf the Commission does not decide otherwise after a\nregulatory impact assessment, Member States should ensure, at the\nlatest six years after the entry into force of the directive, that\na system be put in place to allow the automated\nredirection of payments from one account to another within\nthe same Member State.
\nAccess to a basic account: holding a basic payment account shall be in no\nway discriminatory. Making any discrimination visible through,\nfor example, a different appearance of the card, a different\naccount or card number, shall be prohibited.
\nMember States shall ensure that a payment account\nwith basic features is offered to consumers by all payment\nservice providers that operate in general retail payment\nservices.
\nThis right should apply regardless of the place of\nresidence of the consumer and the exercise of the right should\nnot be made excessively difficult or binding on the\ncustomer.
\nAn amendment adopted in plenary stipulates that a\nMember State may decide to exempt payment service providers from\nthis obligation subject to the approval of the Commission and\non objective and restrictive criteria. The Commission shall approve\nthe exemptions where: (i) a level playing field among all payment\nservice providers is guaranteed, (ii) the right of access for\nconsumers is not undermined and (iii) the exemption does not lead\nto a situation in the Member State concerned where basic account\ncustomers face the risk of being stigmatised.
\nThe banks must process applications for access to a\npayment account with basic features within seven business\ndays of receiving a complete application including proof\nof identity.
\nMember States must also guarantee that a\nmechanism is in place:
\n\n· \nto assist consumers with no fixed address,\nasylum seekers and consumers who are not granted a residence permit\nbut whose expulsion is impossible for legal reasons to meet the\nrequirements of Chapter II of Directive 2005/60/EC;
\n\n· \nto ensure that unbanked, vulnerable\nconsumers as well as mobile consumers are informed about\nthe availability of payment accounts with basic\nfeatures.
\nTo open and use a payment account with basic features\nconsumers shall be required to have a genuine link to the\nMember State where they wish to open an account. That link\nshall include at least citizenship, family ties, centre of\ninterests, place of work, internship or apprenticeship, pursuit of\njob opportunities or other professional links, place of study or\nvocational training, residence, property and any outstanding asylum\nor migration application.
\nPayment accounts with basic features shall not\ninclude any overdraft facilities other than a temporary\nbuffer facility for small amounts. Payment service providers may\noffer overdraft facilities and other credit products as clearly\nseparated services.
\nGeneral information on basic accounts: Parliament requested that Member States:
\n\n· \nrequire educational establishments to\ndevelop services for the most vulnerable\ncustomers providing them with guidance and assistance in\nthe responsible management of their finances; encourage financial\neducation, including at schools;
\n\n· \nensure that the competent authorities publish,\nincluding on their website, an audit of the\nperformance of each payment service provider in terms of\nits compliance with the right of access requirement.
\nAlternative dispute resolution: Parliament suggests that Member States establish\nadequate and effective out-of-court complaint and redress\nprocedures for the settlement of disputes between consumers and\npayment service providers concerning rights and obligations\nestablished under this Directive. For those purposes, Member States\nshall designate existing bodies and, where appropriate, set up new\nbodies.
\nThe European Parliament adopted by 603 votes to 21,\nwith 51 abstentions, a legislative resolution on the proposal for a\ndirective of the European Parliament and of the Council on the\ncomparability of fees related to payment accounts, payment account\nswitching and access to payment accounts with basic\nfeatures.
\nThe report was referred back to the competent\ncommittee at the plenary session of 12 December 2013. Parliament\nadopted its position at first reading following the ordinary\nlegislative procedure. The amendments adopted in plenary are the\nresult of a negotiated agreement between the European Parliament\nand the Council. They amend the proposal as follows:
\nPurpose: the directive\nwould set i) rules concerning the transparency and comparability of\nfees charged to consumers on their payment accounts held within the\nEuropean Union; ii) rules concerning the switching of payment\naccounts within a Member State; and iii) assistance for consumers about cross-border opening\nof payment accounts. The directive will apply to accounts\nallowing consumers to make deposits, withdraw funds and make\npayment transactions, including transfers.
\nFee information document: in order to help consumers compare payment account\nfees throughout the internal market easily, payment service\nproviders should provide consumers with a comprehensive fee\ninformation document that states the fees for all services\nlinked to the payment account contained in the list of the most\nrepresentative services and any further fees that can be\napplied to the account. The fee information document should use the\nstandardised terms and definitions established at Union\nlevel, where possible.
\nThe fee information document should be easy to read\nand carry a common symbol. It should be clear and\nunambiguous using the currency of the payment account, and\nworded in the official language of the Member State in which the\naccount is proposed. The document should be accessible at all\ntimes, including for persons who are not clients.
\nPayment service providers must make available to\nconsumers a glossary of all services linked to the account\nproviding clear, non-technical and\nunambiguous explanations for at least the services linked to the payment account and the related\ndefinitions and explanations. The glossary must be drafted\nin clear, unambiguous and non-technical language that it is not\nmisleading.
\nIn addition, banks should provide consumers, free of\ncharge, with a statement of all fees and the interest rates\napplied to their payment account on an annual basis.
\nThe fee terminology should be determined by the\nMember States. In order to ensure a sufficient homogeneity of the\nnational lists, the European Banking\nAuthority (EBA) should establish\nguidelines to assist Member States to determine the services\nwhich are most commonly used and cause the\nhighest cost to consumers at national level.
\nComparison websites:\nconsumers should have free access\nto at least one independent\nwebsite allowing comparison of fees charged by banks for their most\nrepresentative levels of service.
\nSwitching accounts: to\nqualify for the best offers, customers should be able to opt, at\nreasonable cost, for another basic account within the\nEU.
\nThe switch from one bank account to another without\nchange of currency or country should be supported by the recipient\nbank, at the request of the authoriser and with his\nauthorisation.
\nThe authorisation should allow the consumer to specify\nthe incoming transfers, standing orders and direct debits to be\ntransferred. The recipient bank should within two working\ndays of receiving the clients authorisation, request the\ntransfer service provider to carry out the authorised\ntasks.
\nBanks would be required to reimburse the\nclient, as soon as possible, for any financial loss (including\ncosts and interest) directly resulting from errors in the process\nof changing the account. When a client instructs his bank that he\nwishes to open an account in another Member State, the bank\nwith which he holds an account should provide assistance on\nreceiving his request.
\nAccess to a basic payment account: in line with Parliaments wishes, the Member\nStates should ensure that a basic payment account is offered to\nconsumers by all payment service providers or in sufficient numbers\nto guarantee access to such an account for all consumers in\nthe Member State concerned.
\nThe conditions applicable to\nholding a basic payment account should be in no way\ndiscriminatory. All persons legally resident in the EU \nincluding clients without a fixed address or residence\npermit could open a basic account. However, Member\nStates may, so long as fundamental rights are respected, require\npotential clients to explain their reason for opening such a\nbank account in the particular country, so long as\nthe process is not excessively\ndifficult or binding.
\nThe application for access to a basic payment account\nshould be rejected without delay and no later than ten working days\nfrom receiving the completed application. In any case, it would be\nturned down if the opening of an account involved infringing the\nprovisions on the prevention of money laundering or the fight\nagainst terrorism.
\nCharacteristics of a payment account with basic\nfeatures: the basic account would allow clients:
\n\n· \nservices enabling all the operations required\nfor the opening, operating and closing of a payment\naccount;
\n\n· \nservices enabling money to be placed on a payment\naccount
\n\n· \nto withdraw cash withdrawals within the Union\nfrom a payment account at the bank counter and\nat automated teller machines during or outside the bank's opening\nhours;
\n\n· \nexecution of the following within the Union: i)\ndirect debits; ii) payment transactions by way\nof payment card including online payments; iii) credit\ntransfers, including standing orders, at\nterminals, counters and via the online facilities of the payment\nservice provider.
\nThe clients may carry out an\nunlimited number of operations, either free of charge or at a\nreasonable price.
\nWhen they allow credit\ninstitution to provide, at the request of the customer, an\noverdraft facility linked to a basic account, Member States\nwould have the option to set a maximum amount or duration for this\noverdraft.
\nLastly, Member States should\nensure that communication measures are sufficient and well\ntargeted, in particular reaching out to unbanked, vulnerable and\nmobile consumers.
\nPURPOSE: to ensure access to basic payment accounts\nand improve the availability of information on fees related to\npayment accounts.
\nLEGISLATIVE ACT: Directive 2014/92/EU of the European\nParliament and of the Council on the comparability of fees related\nto payment accounts, payment account switching and access to\npayment accounts with basic features.
\nCONTENT: the Directive lays down : (i) rules\nconcerning the transparency and comparability of fees\ncharged to consumers on their payment accounts held within the\nUnion, (ii) rules concerning the switching of payment accounts\nwithin a Member State and (iii) rules to facilitate cross-border\npayment account-opening for consumers.
\nThe Directive also defines a framework for the rules\nand conditions according to which Member States are required to\nguarantee a right for consumers to open and use payment\naccounts with basic features in the Union.
\nIn its resolution of 4 July\n2012, with recommendations to the Commission, the\nEuropean Parliament said that more must be done to improve and\ndevelop the internal market for retail banking.
\nThe main points of the Directive are as\nfollows:
\nComparability of payment account fees: in order to help consumers compare payment account\nfees throughout the internal market easily, banks should provide\nconsumers with:
\n\n· \na fee information document that states the fees for all services linked to\nthe payment account contained in the list of the most\nrepresentative services linked to a payment account and\nsubject to a fee at national level. The document should where\napplicable use the standardised terms and definitions established\nat Union level. It should: (i) be a short and stand-alone document;\n(ii) be presented and laid out in a way that is clear and easy to\nread, using characters of a readable size; (iii) be written in the\nofficial language of the Member State where the payment account is\noffered. The following must be provided in an easily accessible\nmanner, including to non-customers:
\n\n· \na glossary of\nat least the standardised terms set out in the final list of the\nmost representative services and the related definitions. The\nglossary must be drafted in clear, unambiguous and non-technical\nlanguage;
\n\n· \na statement of all fees and the interest rates\napplied to their payment account on an annual\nbasis.
\n\n· \nfree access to at least\none independent website allowing comparison of fees charged by banks for their\nmost representative levels of service.
\nSwitching accounts in a Member State: payment service providers must provide a switching\nservice between payment accounts held in the same currency to any\nconsumer who opens or holds a payment account with a payment\nservice provider located in the territory of the Member State\nconcerned.
\nThe switch from one bank account to another without\nchange of currency or country should be supported by the\nrecipient bank, at the request of the authoriser and with his\nauthorisation.
\nThe authorisation should\nallow the consumer to: (i) specify the incoming transfers, standing\norders and direct debits to be transferred; (ii) specify the date\nfrom which standing orders for credit transfers and direct debits\nare to be executed from the payment account opened or held with the\nreceiving payment service provider. That date shall be at least\nsix business days after the date on which the receiving payment\nservice provider receives the documents transferred from the\ntransferring payment service provider.
\nThe recipient bank should within two working\ndays of receiving the clients authorisation, request\nthe transfer service provider to carry out the authorised\ntasks.
\nFees connected with the\nswitching service must be reasonable. The banks must reimburse\nthe customer without delay for any financial loss, including\ncharges and interest, resulting directly from mistakes in the\nswitching process.
\nWhen a client instructs his bank that he wishes\nto open an account in another Member State, the bank\nwith which he holds an account should\nprovide assistance on receiving his request.
\nAccess to a basic payment account: the Directive ensures that credit institutions do\nnot discriminate against consumers legally resident in the\nUnion by reason of their nationality or place of\nresidence.
\nSpecifically, consumers legally resident in the Union,\nincluding consumers with no fixed address and asylum seekers, and\nconsumers who are not granted a residence permit but whose\nexpulsion is impossible for legal or factual reasons, will have the\nright to open and use a payment account with basic features with\ncredit institutions located in their territory. consumers should\nshow a genuine interest in opening an account, but this\nrequirement must not be made too difficult or burdensome for the\nconsumer.
\nThe application for access to a basic payment account\nshould be rejected without delay and no later than ten working\ndays from receiving the completed application. In any case, it\nwould be turned down if the opening of an account involved\ninfringing the provisions on the prevention of money laundering or\nthe fight against terrorism.
\nBasic accounts will\nallow customers:
\n\n· \nservices enabling all the operations required\nfor the opening, operating and closing of a payment\naccount;
\n\n· \nservices enabling money to be placed\non a payment account
\n\n· \nto withdraw cash withdrawals within the Union\nfrom a payment account at the bank counter and at automated\nteller machines during or outside the bank's opening\nhours;
\n\n· \nexecution of the following within the Union: i)\ndirect debits; ii) payment transactions by way of payment\ncard including online payments; iii) credit transfers,\nincluding standing orders, at terminals, counters and via the\nonline facilities of the payment service provider.
\nCustomers may carry out an unlimited number of\noperations, either free of charge or at a reasonable\nprice.
\nWhen they allow credit institution to provide, at the\nrequest of the customer, an overdraft\nfacility linked to a basic account, Member States have the\noption to set a maximum amount or duration for this\noverdraft.
\nCompetent authorities:\nthe Directive requires Member States to designate the national\ncompetent authorities empowered to ensure the application and\nenforcement of the Directive and ensure that they are granted\ninvestigation and enforcement powers and adequate resources\nnecessary for the efficient and effective performance of their\nduties. Competent authorities of different Member States shall\ncooperate with each other whenever necessary for the purpose of\ncarrying out their duties.
\nReview: by 18 September\n2019, the Commission shall submit a report on the application of\nthe Directive accompanied, if appropriate, by a legislative\nproposal.
\nENTRY INTO FORCE: 17.9.2014.
\nTRANSPOSITION: 18.9.2016.
\n