+Articolul 18 Activități
---+Article 18 1.
---+Article 18 2.
---+Article 18 3.
---+Article 18 4.
---+Article 18 5.
---+Article 18 6.
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Articolul 18 Activități
1. Prezentare generală
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Reglementare |
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Article 18 1.
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Apart from the provision of payment services, payment institutions shall be entitled to engage in the following activities:
(a)
the provision of operational and closely related ancillary services such as ensuring the execution of payment transactions, foreign exchange services, safekeeping activities, and the storage and processing of data;
(b)
the operation of payment systems, without prejudice to Article 35;
(c)
business activities other than the provision of payment services, having regard to applicable Union and national law.
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Article 18 2.
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Where payment institutions engage in the provision of one or more payment services, they may hold only payment accounts which are used exclusively for payment transactions.
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Article 18 3.
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Any funds received by payment institutions from payment service users with a view to the provision of payment services shall not constitute a deposit or other repayable funds within the meaning of Article 9 of Directive 2013/36/EU, or electronic money as defined in point (2) of Article 2 of Directive 2009/110/EC.
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Article 18 4.
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Payment institutions may grant credit relating to payment services as referred to in point (4) or (5) of Annex I only if all of the following conditions are met:
(a)
the credit shall be ancillary and granted exclusively in connection with the execution of a payment transaction;
(b)
notwithstanding national rules on providing credit by credit cards, the credit granted in connection with a payment and executed in accordance with Article 11(9) and Article 28 shall be repaid within a short period which shall in no case exceed 12 months;
(c)
such credit shall not be granted from the funds received or held for the purpose of executing a payment transaction;
(d)
the own funds of the payment institution shall at all times and to the satisfaction of the supervisory authorities be appropriate in view of the overall amount of credit granted.
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Article 18 5.
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Payment institutions shall not conduct the business of taking deposits or other repayable funds within the meaning of Article 9 of Directive 2013/36/EU.
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Article 18 6.
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This Directive shall be without prejudice to Directive 2008/48/EC, other relevant Union law or national measures regarding conditions for granting credit to consumers not harmonised by this Directive that comply with Union law.
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1.1 Referințe
1.2 Cerințe identificate
1.3 Standarde asociate
2. Cerințe identificate
3. Standarde asociate
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