6 Amendments of Jean-Paul GAUZÈS related to 2007/2201(INI)
Amendment 50 #
Motion for a resolution
Paragraph 9
Paragraph 9
9. Stresses the importance of reliable data for bankcredit and fraud data for banks and other credit providers to grant credits, accessible on a fair and transparent basis; insists nevertheless on the necessity to protect consumers' personal data; requestscalls on the Commission to make proposals for the interoperability of data registers while respecting consumers' private lives and rights of access and rectificationidentify obstacles to credit and fraud data sharing;
Amendment 60 #
Motion for a resolution
Paragraph 11
Paragraph 11
11. Requests the Commission to clarify and harmonise the rights and liabilities of intermediaries, since problems often arise in the sale, administration and enforcement of financial services agreements; stresses the importance of differentiating between the types of intermediaries and avoiding a one-size-fits-all approach; requests the Commission to distinguish clearly between information which has to be clear, concise, readable and cost-free and the provision of advisory services;
Amendment 65 #
Motion for a resolution
Paragraph 12
Paragraph 12
12. Is of the opinion that decentralised banking networks such as saving and cooperative banks guarantee along with other continuity of financial markets even in smaller and remote marketredit institutions contribute to the financing of the local economy and facilitating access to financial services for all customers; stresses that pluralistic banking markets and diversity of providers may enhance competition throughout the EU banking market while ensuring the financing of the local economy and facilitating access to financial services for all customersprovided that there is no distortion in competition and that a level playing field is guaranteed to all market participants following the principle, '‘same business, same rules'’;
Amendment 71 #
Motion for a resolution
Paragraph 13
Paragraph 13
13. Is confident that the SEPA and the Payment Services Directive should provide solutions to the fragmentation and lack of competition identified by the sector inquiry concerning payment infrastructures; recalls that the first phase of the SEPA entered into force on 28 January 2008 and requires integrated clearing and settlement platforms, operating on the basis of the 1 OJ L 207, 18.8.2003, p. 1. same rules and technical standards, emphasises that the access criteria for SEPA are fair and open; recalls also that the Payment Services Directive states that there should be no other discrimination on access to payments systems other than those necessary to safeguard against risk and to protect the financial and operational stability; points out that under the principle of neutrality of Community policies, no one method of payment should be favoured over another, and the costs related to the use of the various payments systems should be transparent so that consumers can choose their method of payment in full knowledge of the facts;
Amendment 78 #
Motion for a resolution
Paragraph 14
Paragraph 14
14. Notes that the Commission has repeatedly qualified multilateral interchange fees as anti-competitive and consequently requested the industry to abolish them; is of the opinion that the Commission should provide stakeholders with clear indications, guidelines and transparency requirements that could enable the industry to ensure a fair and transparent calculation method, compatible with EC competition lawlooked at MIF in the context of Article 81(1) and (3) of the Treaty; is of the opinion that the Commission should provide stakeholders with clear indications and guidelines;
Amendment 83 #
Motion for a resolution
Paragraph 15
Paragraph 15
15. Believes in a strong need for better clarification concerning the methodology and rules for the management of multilaterally agreed interchange fees for ATMs and non-card payments; recalls that the SEPA direct debit scheme and the SEPA credit transfer scheme are two sided networks creating economic benefits thanks to network effects; asks the Commission to provide a balancing mechanism in order to distribute more evenly the costs and benefits of network membership; suggests to the Commission to define and communicate to all stakeholders the methodology to be used to calculate all multilaterally agreed interchange fees in order to ensure a real level playing field and the enforcement of all competition rulescard payments and for the mechanism to calculate interbanking fees for ATMs and non card payments; asks the Commission to provide a balancing mechanism in order to distribute more evenly the costs and benefits of network membership;