+Artikel 3 Generelle tilsynsregler
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Artikel 3 Generelle tilsynsregler

Artikel 3

Generelle tilsynsregler

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1.  Uden at det berører nærværende direktiv, finder artikel 5 og 11-17, artikel 19, stk. 5 og 6, og artikel 20–31 i Europa-Parlamentets og Rådets direktiv (EU) 2015/2366 ( 1 ), herunder de delegerede retsakter vedtaget efter artikel 15, stk. 4, artikel 28, stk. 5, og artikel 29, stk. 7, tilsvarende anvendelse på e-pengeinstitutter.

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2.  E-pengeinstitutter underretter på forhånd de kompetente myndigheder om væsentlige ændringer i de foranstaltninger, der træffes for at beskytte de midler, der modtages som vederlag for elektroniske penge.

3.  Enhver fysisk eller juridisk person, som enten påtænker direkte eller indirekte at erhverve en kvalificeret deltagelse ifølge artikel 4, nr. 11, i direktiv 2006/48/EF i et e-pengeinstitut eller direkte eller indirekte at forøge eller reducere en sådan kvalificeret deltagelse yderligere med det resultat, at vedkommendes kapitalandele eller andel af stemmerettigheder derved når op på, overstiger eller falder under 20 %, 30 % eller 50 %, eller at e-pengeinstituttet derved bliver eller ophører med at være vedkommendes datterselskab, skal underrette de kompetente myndigheder inden sådan erhvervelse, salg, forøgelse eller reduktion.

Den påtænkte erhverver oplyser de kompetente myndigheder om størrelsen af den påtænkte deltagelse og relevante oplysninger i overensstemmelse med artikel 19a, stk. 4, i direktiv 2006/48/EF.

I tilfælde af at de i andet afsnit omhandlede personer gør deres indflydelse gældende på en måde, der vil kunne skade en forsigtig og sund ledelse af instituttet, skal de kompetente myndigheder gøre indsigelse eller træffe de fornødne foranstaltninger til at bringe denne situation til ophør. Sådanne foranstaltninger kan omfatte påbud, sanktioner over for ledelsen eller ophævelse af den stemmeret, der er knyttet til de aktier eller andele, der besiddes af de pågældende aktionærer eller selskabsdeltagere.

Lignende foranstaltninger skal anvendes over for fysiske eller juridiske personer, som ikke overholder forpligtelsen til forudgående underretning som fastsat i dette stykke.

Hvis en kapitalandel erhverves trods de kompetente myndigheders modvilje, skal disse myndigheder, uafhængigt af andre sanktioner, gøre det muligt at suspendere erhververens stemmerettigheder, erklære de afgivne stemmer ugyldige eller annullere dem.

Medlemsstaterne kan undtage, eller tillade at deres kompetente myndigheder undtager e-pengeinstitutter helt eller delvis for forpligtelserne i dette stykke, såfremt de udøver en eller flere af de aktiviteter, der er omhandlet i artikel 6, stk. 1, litra e).

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4.  Medlemsstaterne tillader, at e-pengeinstitutter distribuerer og indløser elektroniske penge via fysiske eller juridiske personer, der handler på deres vegne. Distribuerer e-pengeinstituttet elektroniske penge i en anden medlemsstat via en sådan fysisk eller juridisk person, finder artikel 27-31, med undtagelse af artikel 29, stk. 4 og 5, i direktiv (EU) 2015/2366, herunder de delegerede retsakter vedtaget efter artikel 28, stk. 5, og artikel 29, stk. 7, tilsvarende anvendelse på sådanne e-pengeinstitutter.

5.  Uanset nærværende artikels stk. 4 må e-pengeinstitutter ikke udstede elektroniske penge via agenter. E-pengeinstitutter kan udbyde betalingstjenester omhandlet i nærværende direktivs artikel 6, stk. 1, litra a), via agenter med forbehold af betingelserne i artikel 19 i direktiv (EU) 2015/2366.

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1. Oversigt

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Article 3 1.
Without prejudice to this Directive, Article 5, Articles 11 to 17, Article 19(5) and (6) and Articles 20 to 31 of Directive (EU) 2015/2366 of the European Parliament and of the Council ( 1 ), including the delegated acts adopted under Article 15(4), Article 28(5) and Article 29(7) thereof, shall apply to electronic money institutions mutatis mutandis.
Article 3 2.
Electronic money institutions shall inform the competent authorities in advance of any material change in measures taken for safeguarding of funds that have been received in exchange for electronic money issued.
Article 3 3.
Any natural or legal person who has taken a decision to acquire or dispose of, directly or indirectly, a qualifying holding within the meaning of point 11 of Article 4 of Directive 2006/48/EC in an electronic money institution, or to further increase or reduce, directly or indirectly, such qualifying holding as a result of which the proportion of the capital or of the voting rights held would reach, exceed or fall below 20 %, 30 % or 50 %, or so that the electronic money institution would become or cease to be its subsidiary, shall inform the competent authorities of their intention in advance of such acquisition, disposal, increase or reduction.

The proposed acquirer shall supply to the competent authority information indicating the size of the intended holding and relevant information referred to in Article 19a(4) of Directive 2006/48/EC.

Where the influence exercised by the persons referred to in the second subparagraph is likely to operate to the detriment of the prudent and sound management of the institution, the competent authorities shall express their opposition or take other appropriate measures to bring that situation to an end. Such measures may include injunctions, sanctions against directors or managers, or the suspension of the exercise of the voting rights attached to the shares held by the shareholders or members in question.

Similar measures shall apply to natural or legal persons who fail to comply with the obligation to provide prior information, as laid down in this paragraph.

If a holding is acquired despite the opposition of the competent authorities, those authorities shall, regardless of any other sanction to be adopted, provide for the exercise of the voting rights of the acquirer to be suspended, the nullity of votes cast or the possibility of annulling those votes.

The Member States may waive or allow their competent authorities to waive the application of all or part of the obligations pursuant to this paragraph in respect of electronic money institutions that carry out one or more of the activities listed in Article 6(1)(e).
Article 3 4.
Member States shall allow electronic money institutions to distribute and redeem electronic money through natural or legal persons which act on their behalf. Where the electronic money institution distributes electronic money in another Member State by engaging such a natural or legal person, Articles 27 to 31, with exception of Article 29(4) and (5), of Directive (EU) 2015/2366, including the delegated acts adopted in accordance with Article 28(5) and Article 29(7) thereof, shall apply mutatis mutandis to such electronic money institution.
Article 3 5.
Notwithstanding paragraph 4 of this Article, electronic money institutions shall not issue electronic money through agents. Electronic money institutions shall be allowed to provide payment services referred to in point (a) of Article 6(1) of this Directive through agents subject to the conditions laid down in Article 19 of Directive (EU) 2015/2366.

1.1 Referencer

1.2 Identificerede krav

1.3 Relaterede standarder

2. Identificerede krav

Krav

3. Relaterede standarder

Standarder
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