Addressees

These guidelines are addressed to competent authorities, as defined in point (i) of Article 4(2) of Regulation (EU) No 1093/2010, and to the following financial institutions: payment institutions as defined in point (4) of Article 4 of Directive (EU) 2015/2366; electronic money institutions as defined in point (1) of Article 2 of Directive 2009/110/EC; and account information service providers as defined in point (19) of Article 4 of Directive (EU) 2015/2366.