|
+DIRECTIVE (EU) 2015/2366 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (Text with EEA relevance) ---+TITLE I SUBJECT MATTER, SCOPE AND DEFINITIONS ------+Article 1 Subject matter ------+Article 2 Scope ------+Article 3 Exclusions ------+Article 4 Definitions ---+TITLE II PAYMENT SERVICE PROVIDERS ------+CHAPTER 1 Payment institutions ---------+Section 1 General rules ------------+Article 5 Applications for authorisation ------------+Article 6 Control of the shareholding ------------+Article 7 Initial capital ------------+Article 8 Own funds ------------+Article 9 Calculation of own funds ------------+Article 10 Safeguarding requirements ------------+Article 11 Granting of authorisation ------------+Article 12 Communication of the decision ------------+Article 13 Withdrawal of authorisation ------------+Article 14 Registration in the home Member State ------------+Article 15 EBA register ------------+Article 16 Maintenance of authorisation ------------+Article 17 Accounting and statutory audit ------------+Article 18 Activities ---------+Section 2 Other requirements ------------+Article 19 Use of agents, branches or entities to which activities are outsourced ------------+Article 20 Liability ------------+Article 21 Record-keeping ---------+Section 3 Competent authorities and supervision ------------+Article 22 Designation of competent authorities ------------+Article 23 Supervision ------------+Article 24 Professional secrecy ------------+Article 25 Right to apply to the courts ------------+Article 26 Exchange of information ------------+Article 27 Settlement of disagreements between competent authorities of different Member States ------------+Article 28 Application to exercise the right of establishment and freedom to provide services ------------+Article 29 Supervision of payment institutions exercising the right of establishment and freedom to provide services ------------+Article 30 Measures in case of non-compliance, including precautionary measures ------------+Article 31 Reasons and communication ---------+Section 4 Exemption ------------+Article 32 Conditions ------------+Article 33 Account information service providers ------------+Article 34 Notification and information ------+CHAPTER 2 Common provisions ---------+Article 35 Access to payment systems ---------+Article 35a Conditions for requesting participation in designated payment systems ---------+Article 36 Access to accounts maintained with a credit institution ---------+Article 37 Prohibition of persons other than payment service providers from providing payment services and duty of notification ---+TITLE III TRANSPARENCY OF CONDITIONS AND INFORMATION REQUIREMENTS FOR PAYMENT SERVICES ------+CHAPTER 1 General rules ---------+Article 38 Scope ---------+Article 39 Other provisions in Union law ---------+Article 40 Charges for information ---------+Article 41 Burden of proof on information requirements ---------+Article 42 Derogation from information requirements for low-value payment instruments and electronic money ------+CHAPTER 2 Single payment transactions ---------+Article 43 Scope ---------+Article 44 Prior general information ---------+Article 45 Information and conditions ---------+Article 46 Information for the payer and payee after the initiation of a payment order ---------+Article 47 Information for payer’s account servicing payment service provider in the event of a payment initiation service ---------+Article 48 Information for the payer after receipt of the payment order ---------+Article 49 Information for the payee after execution ------+CHAPTER 3 Framework contracts ---------+Article 50 Scope ---------+Article 51 Prior general information ---------+Article 52 Information and conditions ---------+Article 53 Accessibility of information and conditions of the framework contract ---------+Article 54 Changes in conditions of the framework contract ---------+Article 55 Termination ---------+Article 56 Information before execution of individual payment transactions ---------+Article 57 Information for the payer on individual payment transactions ---------+Article 58 Information for the payee on individual payment transactions ------+CHAPTER 4 Common provisions ---------+Article 59 Currency and currency conversion ---------+Article 60 Information on additional charges or reductions ---+TITLE IV RIGHTS AND OBLIGATIONS IN RELATION TO THE PROVISION AND USE OF PAYMENT SERVICES ------+CHAPTER 1 Common provisions ---------+Article 61 Scope ---------+Article 62 Charges applicable ---------+Article 63 Derogation for low value payment instruments and electronic money ------+CHAPTER 2 Authorisation of payment transactions ---------+Article 64 Consent and withdrawal of consent ---------+Article 65 Confirmation on the availability of funds ---------+Article 66 Rules on access to payment account in the case of payment initiation services ---------+Article 67 Rules on access to and use of payment account information in the case of account information services ---------+Article 68 Limits of the use of the payment instrument and of the access to payment accounts by payment service providers ---------+Article 69 Obligations of the payment service user in relation to payment instruments and personalised security credentials ---------+Article 70 Obligations of the payment service provider in relation to payment instruments ---------+Article 71 Notification and rectification of unauthorised or incorrectly executed payment transactions ---------+Article 72 Evidence on authentication and execution of payment transactions ---------+Article 73 Payment service provider’s liability for unauthorised payment transactions ---------+Article 74 Payer’s liability for unauthorised payment transactions ---------+Article 75 Payment transactions where the transaction amount is not known in advance ---------+Article 76 Refunds for payment transactions initiated by or through a payee ---------+Article 77 Requests for refunds for payment transactions initiated by or through a payee ------+CHAPTER 3 Execution of payment transactions ---------+Section 1 Payment orders and amounts transferred ------------+Article 78 Receipt of payment orders ------------+Article 79 Refusal of payment orders ------------+Article 80 Irrevocability of a payment order ------------+Article 81 Amounts transferred and amounts received ---------+Section 2 Execution time and value date ------------+Article 82 Scope ------------+Article 83 Payment transactions to a payment account ------------+Article 84 Absence of payee’s payment account with the payment service provider ------------+Article 85 Cash placed on a payment account ------------+Article 86 National payment transactions ------------+Article 87 Value date and availability of funds ---------+Section 3 Liability ------------+Article 88 Incorrect unique identifiers ------------+Article 89 Payment service providers’ liability for non-execution, defective or late execution of payment transactions ------------+Article 90 Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions ------------+Article 91 Additional financial compensation ------------+Article 92 Right of recourse ------------+Article 93 Abnormal and unforeseeable circumstances ------+CHAPTER 4 Data protection ---------+Article 94 Data protection ------+CHAPTER 5 Operational and security risks and authentication ---------+Article 95 Management of operational and security risks ---------+Article 96 Incident reporting ---------+Article 97 Authentication ---------+Article 98 Regulatory technical standards on authentication and communication ------+CHAPTER 6 ADR procedures for the settlement of disputes ---------+Section 1 Complaint procedures ------------+Article 99 Complaints ------------+Article 100 Competent authorities ---------+Section 2 ADR procedures and penalties ------------+Article 101 Dispute resolution ------------+Article 102 ADR procedures ------------+Article 103 Penalties ---+TITLE V DELEGATED ACTS AND REGULATORY TECHNICAL STANDARDS ------+Article 104 Delegated acts ------+Article 105 Exercise of the delegation ------+Article 106 Obligation to inform consumers of their rights ---+TITLE VI FINAL PROVISIONS ------+Article 107 Full harmonisation ------+Article 108 Review clause ------+Article 109 Transitional provision ------+Article 110 Amendments to Directive 2002/65/EC ------+Article 111 Amendments to Directive 2009/110/EC ------+Article 112 Amendments to Regulation (EU) No 1093/2010 ------+Article 113 Amendment to Directive 2013/36/EU ------+Article 114 Repeal ------+Article 115 Transposition ------+Article 116 Entry into force ------+Article 117 Addresses ---+ANNEX I ---+ANNEX II |
DIRECTIVE (EU) 2015/2366 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (Text with EEA relevance)DIRECTIVE (EU) 2015/2366 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (Text with EEA relevance) 1. Übersicht
1.1 Referenzen1.2 Identifizierte Anforderungen1.3 Related Standards2. Identifizierte Anforderungen
3. Related Standards
|