Annexes to COM(2013)547 - Payment services in the internal market - Main contents
Please note
This page contains a limited version of this dossier in the EU Monitor.
| dossier | COM(2013)547 - Payment services in the internal market. |
|---|---|
| document | COM(2013)547  |
| date | November 25, 2015 |
(15) Directive 98/26/EC of the European Parliament and of the Council of 19 May 1998 on settlement finality in payment and securities settlement systems (OJ L 166, 11.6.1998, p. 45).
(16) Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro, small and medium-sized enterprises (OJ L 124, 20.5.2003, p. 36).
(17) Directive 2005/29/EC of the European Parliament and the Council of 11 May 2005 concerning unfair business-to-consumer commercial practices in the Internal Market and amending Council Directive 84/450/EEC, Directives 97/7/EC, 98/27/EC and 2002/65/EC of the European Parliament and of the Council and Regulation (EC) No 2006/2004 of the European Parliament and of the Council (OJ L 149, 11.6.2005, p. 22).
(18) Directive 2000/31/EC of the European Parliament and the Council of 8 June 2000 on certain legal aspects of information society services, in particular electronic commerce, in the Internal Market (OJ L 178, 17.7.2000, p. 1).
(19) Directive 2002/65/EC of the European Parliament and the Council of 23 September 2002 concerning the distance marketing of consumer financial services and amending Council Directive 90/619/EEC and Directives 97/7/EC and 98/27/EC (OJ L 271, 9.10.2002, p. 16).
(20) Directive 2011/83/EU of the European Parliament and of the Council of 25 October 2011 on consumer rights, amending Council Directive 93/13/EEC and Directive 1999/44/EC of the European Parliament and of the Council and repealing Council Directive 85/577/EEC and Directive 97/7/EC of the European Parliament and of the Council (OJ L 304, 22.11.2011, p. 64).
(21) Directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features (OJ L 257, 28.8.2014, p. 214).
(22) Directive 95/46/EC of the European Parliament and of the Council of 24 October 1995 on the protection of individuals with regard to the processing of personal data and on the free movement of such data (OJ L 281, 23.11.1995, p. 31).
(23) Regulation (EC) No 45/2001 of the European Parliament and of the Council of 18 December 2000 on the protection of individuals with regard to the processing of personal data by the Community institutions and bodies and on the free movement of such data (OJ L 8, 12.1.2001, p. 1).
(24) Regulation (EC) No 593/2008 of the European Parliament and of the Council of 17 June 2008 on the law applicable to contractual obligations (ROME I) (OJ L 177, 4.7.2008, p. 6).
(25) Council Directive 2006/112/EC of 28 November 2006 on the common system of value added tax (OJ L 347, 11.12.2006, p. 1).
(26) OJ C 369, 17.12.2011, p. 14.
(27) OJ C 38, 8.2.2014, p. 14.
(28) Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit institutions and investment firms and amending Regulation (EU) No 648/2012 (OJ L 176, 27.6.2013, p. 1).
(29) Commission Delegated Regulation (EU) No 241/2014 of 7 January 2014 supplementing Regulation (EU) No 575/2013 of the European Parliament and of the Council with regard to regulatory technical standards for Own Funds requirements for institutions (OJ L 74, 14.3.2014, p. 8).
(30) Directive 2002/21/EC of the European Parliament of the Council of 7 March 2002 on a common regulatory framework for electronic communications networks and services (Framework Directive) (OJ L 108, 24.4.2002, p. 33).
(31) Directive (EU) 2015/849 of the European Parliament and of the Council of 20 May 2015 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, amending Regulation (EU) No 648/2012 of the European Parliament and of the Council, and repealing Directive 2005/60/EC of the European Parliament and of the Council and Commission Directive 2006/70/EC (OJ L 141, 5.6.2015, p. 73).
(32) Regulation (EU) 2015/847 of the European Parliament and of the Council of 20 May 2015 on information accompanying transfers of funds and repealing Regulation (EC) No 1781/2006 (OJ L 141, 5.6.2015, p. 1).
(33) Directive 2006/43/EC of the European Parliament and of the Council of 17 May 2006 on statutory audits of annual accounts and consolidated accounts, amending Council Directives 78/660/EEC and 83/349/EEC and repealing Council Directive 84/253/EEC (OJ L 157, 9.6.2006, p. 87).
(34) Regulation (EC) No 1606/2002 of the European Parliament and of the Council of 19 July 2002 on the application of international accounting standards (OJ L 243, 11.9.2002, p. 1).
(35) Directive 2013/11/EU of the European Parliament and of the Council of 21 May 2013 on alternative dispute resolution for consumer disputes and amending Regulation (EC) No 2006/2004 and Directive 2009/22/EC (Directive on consumer ADR) (OJ L 165, 18.6.2013, p. 63).
ANNEX I
PAYMENT SERVICES
(as referred to in point (3) of Article 4)
| 1. | Services enabling cash to be placed on a payment account as well as all the operations required for operating a payment account. |
| 2. | Services enabling cash withdrawals from a payment account as well as all the operations required for operating a payment account. |
| 3. | Execution of payment transactions, including transfers of funds on a payment account with the user’s payment service provider or with another payment service provider:
|
| 4. | Execution of payment transactions where the funds are covered by a credit line for a payment service user:
|
| 5. | Issuing of payment instruments and/or acquiring of payment transactions. |
| 6. | Money remittance. |
| 7. | Payment initiation services. |
| 8. | Account information services. |
ANNEX II
CORRELATION TABLE
| This Directive | Directive 2007/64/EC |
| Article 1(1) | Article 1(1) |
| Article 1(2) | Article 1(2) |
| Article 2(1) | Article 2(1) |
| Article 2(2) | |
| Article 2(3) | |
| Article 2(4) | |
| Article 2(5) | Article 2(3) |
| Article 3 | Article 3 |
| Article 4: | Article 4: |
| points (1), (2), (3), (4), (5) and (10) | points 1, 2, 3, 4, 5 and 10 |
| point (7) | point 6 |
| point (8) | point 7 |
| point (9) | point 8 |
| point (11) | point 9 |
| point (12) | point 14 |
| point (13) | point 16 |
| point (14) | point 23 |
| points (20), (21), (22) | points 11, 12, 13 |
| point (23) | point 28 |
| point (25) | point 15 |
| points (26), (27) | points 17, 18 |
| point (28) | point 20 |
| point (29) | point 19 |
| point (33) | point 21 |
| points (34), (35), (36), (37) | points 24, 25, 26, 27 |
| point (38) | point 22 |
| points (39), (40) | points 29, 30 |
| points (6), (15)-(19), (24), (30)-(32), (41)-(48) | — |
| Article 5(1) | Article 5 |
| Article 5(2) | — |
| Article 5(3) | — |
| Article 5(4) | — |
| Article 5(5) | — |
| Article 5(6) | — |
| Article 5(7) | — |
| Article 6(1) | — |
| Article 6(2) | — |
| Article 6(3) | — |
| Article 6(4) | — |
| Article 7 | Article 6 |
| Article 8(1) | Article 7(1) |
| Article 8(2) | Article 7(2) |
| Article 8(3) | Article 7(3) |
| Article 9(1) | Article 8(1) |
| Article 9(2) | Article 8(2) |
| Article 9(3) | Article 8(3) |
| Article 10(1) | Article 9(1) |
| Article 10(2) | Article 9(2) |
| — | Article 9(3) and (4) |
| Article 11(1) | Article 10(1) |
| Article 11(2) | Article 10(2) |
| Article 11(3) | Article 10(3) |
| Article 11(4) | Article 10(4) |
| Article 11(5) | Article 10(5) |
| Article 11(6) | Article 10(6) |
| Article 11(7) | Article 10(7) |
| Article 11(8) | Article 10(8) |
| Article 11(9) | Article 10(9) |
| Article 12 | Article 11 |
| Article 13(1) | Article 12(1) |
| Article 13(2) | Article 12(2) |
| Article 13(3) | Article 12(3) |
| Article 14(1) | Article 13 |
| Article 14(2) | Article 13 |
| Article 14(3) | — |
| Article 14(4) | — |
| Article 15(1) | — |
| Article 15(2) | — |
| Article 15(3) | — |
| Article 15(4) | — |
| Article 15(5) | — |
| Article 16 | Article 14 |
| Article 17(1) | Article 15(1) |
| Article 17(2) | Article 15(2) |
| Article 17(3) | Article 15(3) |
| Article 17(4) | Article 15(4) |
| Article 18(1) | Article 16(1) |
| Article 18(2) | Article 16(2) |
| Article 18(3) | Article 16(2) |
| Article 18(4) | Article 16(3) |
| Article 18(5) | Article 16(4) |
| Article 18(6) | Article 16(5) |
| Article 19(1) | Article 17(1) |
| Article 19(2) | Article 17(2) |
| Article 19(3) | Article 17(3) |
| Article 19(4) | Article 17(4) |
| Article 19(5) | Article 17(5) |
| Article 19(6) | Article 17(7) |
| Article 19(7) | Article 17(8) |
| Article 19(8) | — |
| Article 20(1) | Article 18(1) |
| Article 20(2) | Article 18(2) |
| Article 21 | Article 19 |
| Article 22(1) | Article 20(1) |
| Article 22(2) | Article 20(2) |
| Article 22(3) | Article 20(3) |
| Article 22(4) | Article 20(4) |
| Article 22(5) | Article 20(5) |
| Article 23(1) | Article 21(1) |
| Article 23(2) | Article 21(2) |
| Article 23(3) | Article 21(3) |
| Article 24(1) | Article 22(1) |
| Article 24(2) | Article 22(2) |
| Article 24(3) | Article 22(3) |
| Article 25(1) | Article 23(1) |
| Article 25(2) | Article 23(2) |
| Article 26(1) | Article 24(1) |
| Article 26(2) | Article 24(2) |
| Article 27(1) | — |
| Article 27(2) | — |
| Article 28(1) | Article 25(1) |
| Article 28(2) | — |
| Article 28(3) | — |
| Article 28(4) | — |
| Article 28(5) | — |
| Article 29(1) | Article 25(2) and (3) |
| Article 29(2) | — |
| Article 29(3) | Article 25(4) |
| Article 29(4) | — |
| Article 29(5) | — |
| Article 29(6) | — |
| Article 30(1) | — |
| Article 30(2) | — |
| Article 30(3) | — |
| Article 30(4) | — |
| Article 31(1) | — |
| Article 31(2) | Article 25(4) |
| Article 32(1) | Article 26(1) |
| Article 32(2) | Article 26(2) |
| Article 32(3) | Article 26(3) |
| Article 32(4) | Article 26(4) |
| Article 32(5) | Article 26(5) |
| Article 32(6) | Article 26(6) |
| Article 33(1) | — |
| Article 33(2) | — |
| Article 34 | Article 27 |
| Article 35(1) | Article 28(1) |
| Article 35(2) | Article 28(2) |
| Article 36 | — |
| Article 37(1) | Article 29 |
| Article 37(2) | — |
| Article 37(3) | — |
| Article 37(4) | — |
| Article 37(5) | — |
| Article 38(1) | Article 30(1) |
| Article 38(2) | Article 30(2) |
| Article 38(3) | Article 30(3) |
| Article 39 | Article 31 |
| Article 40(1) | Article 32(1) |
| Article 40(2) | Article 32(2) |
| Article 40(3) | Article 32(3) |
| Article 41 | Article 33 |
| Article 42(1) | Article 34(1) |
| Article 42(2) | Article 34(2) |
| Article 43(1) | Article 35(1) |
| Article 43(2) | Article 35(2) |
| Article 44(1) | Article 36(1) |
| Article 44(2) | Article 36(2) |
| Article 44(3) | Article 36(3) |
| Article 45(1) | Article 37(1) |
| Article 45(2) | — |
| Article 45(3) | Article 37(2) |
| Article 46 | — |
| Article 47 | — |
| Article 48 | Article 38 |
| Article 49 | Article 39 |
| Article 50 | Article 40 |
| Article 51(1) | Article 41(1) |
| Article 51(2) | Article 41(2) |
| Article 51(3) | Article 41(3) |
| Article 52, point (1) | Article 42(1) |
| Article 52, point (2) | Article 42(2) |
| Article 52, point (3) | Article 42(3) |
| Article 52, point (4) | Article 42(4) |
| Article 52, point (5) | Article 42(5) |
| Article 52, point (6) | Article 42(6) |
| Article 52, point (7) | Article 42(7) |
| Article 53 | Article 43 |
| Article 54(1) | Article 44(1) |
| Article 54(2) | Article 44(2) |
| Article 54(3) | Article 44(3) |
| Article 55(1) | Article 45(1) |
| Article 55(2) | Article 45(2) |
| Article 55(3) | Article 45(3) |
| Article 55(4) | Article 45(4) |
| Article 55(5) | Article 45(5) |
| Article 55(6) | Article 45(6) |
| Article 56 | Article 46 |
| Article 57(1) | Article 47(1) |
| Article 57(2) | Article 47(2) |
| Article 57(3) | Article 47(3) |
| Article 58(1) | Article 48(1) |
| Article 58(2) | Article 48(2) |
| Article 58(3) | Article 48(3) |
| Article 59(1) | Article 49(1) |
| Article 59(2) | Article 49(2) |
| Article 60(1) | Article 50(1) |
| Article 60(2) | Article 50(2) |
| Article 60(3) | — |
| Article 61(1) | Article 51(1) |
| Article 61(2) | Article 51(2) |
| Article 61(3) | Article 51(3) |
| Article 61(4) | Article 51(4) |
| Article 62(1) | Article 52(1) |
| Article 62(2) | Article 52(2) |
| Article 62(3) | Article 52(3) |
| Article 62(4) | — |
| Article 62(5) | — |
| Article 63(1) | Article 53(1) |
| Article 63(2) | Article 53(2) |
| Article 63(3) | Article 53(3) |
| Article 64(1) | Article 54(1) |
| Article 64(2) | Article 54(2) |
| Article 64(3) | Article 54(3) |
| Article 64(4) | Article 54(4) |
| Article 65(1) | — |
| Article 65(2) | — |
| Article 65(3) | — |
| Article 65(4) | — |
| Article 65(5) | — |
| Article 65(6) | — |
| Article 66(1) | — |
| Article 66(2) | — |
| Article 66(3) | — |
| Article 66(4) | — |
| Article 66(5) | — |
| Article 67(1) | — |
| Article 67(2) | — |
| Article 67(3) | — |
| Article 67(4) | — |
| Article 68(1) | Article 55(1) |
| Article 68(2) | Article 55(2) |
| Article 68(3) | Article 55(3) |
| Article 68(4) | Article 55(4) |
| Article 69(1) | Article 56(1) |
| Article 69(2) | Article 56(2) |
| Article 70(1) | Article 57(1) |
| Article 70(2) | Article 57(2) |
| Article 71(1) | Article 58 |
| Article 71(2) | — |
| Article 72(1) | Article 59(1) |
| Article 72(2) | Article 59(2) |
| Article 73(1) | Article 60(1) |
| Article 73(2) | — |
| Article 73(3) | Article 60(2) |
| Article 74(1) | Article 61(1), 61(2) and 61(3) |
| Article 74(2) | — |
| Article 74(3) | Article 61(4) and (5) |
| Article 75(1) | — |
| Article 75(2) | — |
| Article 76(1) | Article 62(1) |
| Article 76(2) | Article 62(2) |
| Article 76(3) | Article 62(3) |
| Article 76(4) | — |
| Article 77(1) | Article 63(1) |
| Article 77(2) | Article 63(2) |
| Article 78(1) | Article 64(1) |
| Article 78(2) | Article 64(2) |
| Article 79(1) | Article 65(1) |
| Article 79(2) | Article 65(2) |
| Article 79(3) | Article 65(3) |
| Article 80(1) | Article 66(1) |
| Article 80(2) | Article 66(2) |
| Article 80(3) | Article 66(3) |
| Article 80(4) | Article 66(4) |
| Article 80(5) | Article 66(5) |
| Article 81(1) | Article 67(1) |
| Article 81(2) | Article 67(2) |
| Article 81(3) | Article 67(3) |
| Article 82(1) | Article 68(1) |
| Article 82(2) | Article 68(2) |
| Article 83(1) | Article 69(1) |
| Article 83(2) | Article 69(2) |
| Article 83(3) | Article 69(3) |
| Article 84 | Article 70 |
| Article 85 | Article 71 |
| Article 86 | Article 72 |
| Article 87(1) | Article 73(1) |
| Article 87(2) | Article 73(1) |
| Article 87(3) | Article 73(2) |
| Article 88(1) | Article 74(1) |
| Article 88(2) | Article 74(2) |
| Article 88(3) | Article 74(2) |
| Article 88(4) | Article 74(2) |
| Article 88(5) | Article 74(3) |
| Article 89(1) | Article 75(1) |
| Article 89(2) | Article 75(2) |
| Article 89(3) | Article 75(3) |
| Article 90(1) | — |
| Article 90(2) | — |
| Article 91 | Article 76 |
| Article 92(1) | Article 77(1) |
| Article 92(2) | Article 77(2) |
| Article 93 | Article 78 |
| Article 94(1) | Article 79(1) |
| Article 94(2) | — |
| Article 95(1) | — |
| Article 95(2) | — |
| Article 95(3) | — |
| Article 95(4) | — |
| Article 95(5) | — |
| Article 96(1) | — |
| Article 96(2) | — |
| Article 96(3) | — |
| Article 96(4) | — |
| Article 96(5) | — |
| Article 96(6) | — |
| Article 97(1) | — |
| Article 97(2) | — |
| Article 97(3) | — |
| Article 97(4) | — |
| Article 97(5) | — |
| Article 98(1) | — |
| Article 98(2) | — |
| Article 98(3) | — |
| Article 98(4) | — |
| Article 98(5) | — |
| Article 99(1) | Article 80(1) |
| Article 99(2) | Article 80(2) |
| Article 100(1) | — |
| Article 100(2) | — |
| Article 100(3) | — |
| Article 100(4) | Article 82(2) |
| Article 100(5) | — |
| Article 100(6) | — |
| Article 101(1) | — |
| Article 101(2) | — |
| Article 101(3) | — |
| Article 101(4) | — |
| Article 102(1) | Article 83(1) |
| Article 102(2) | Article 83(2) |
| Article 103(1) | Article 81(1) |
| Article 103(2) | — |
| Article 104 | — |
| Article 105(1) | — |
| Article 105(2) | — |
| Article 105(3) | — |
| Article 105(4) | — |
| Article 105(5) | — |
| Article 106(1) | — |
| Article 106(2) | — |
| Article 106(3) | — |
| Article 106(4) | — |
| Article 106(5) | — |
| Article 107(1) | Article 86(1) |
| Article 107(2) | Article 86(2) |
| Article 107(3) | Article 86(3) |
| Article 108 | Article 87 |
| Article 109(1) | Article 88(1) |
| Article 109(2) | Article 88(3) |
| Article 109(3) | Article 88(2) and (4) |
| Article 109(4) | — |
| Article 109(5) | — |
| Article 110 | Article 90 |
| Article 111, point (1) | — |
| Article 111, point (2) | — |
| Article 112, point (1) | — |
| Article 112, point (2) | — |
| Article 113 | Article 92 |
| Article 114 | Article 93 |
| Article 115(1) | Article 94(1) |
| Article 115(2) | Article 94(2) |
| Article 115(3) | — |
| Article 115(4) | — |
| Article 115(5) | — |
| Article 116 | Article 95 |
| Article 117 | Article 96 |
| Annex I | Annex |