11 Amendments of Sharon BOWLES related to 2013/0139(COD)
Amendment 193 #
Proposal for a directive
Recital 28 a (new)
Recital 28 a (new)
(28a) Member States should ensure that measures are in place to facilitate the education of consumers in relation to the management of their basic payment account. Clear, informative documents outlining the functioning of the account should be provided to all account holders.
Amendment 371 #
Proposal for a directive
Article 7 – paragraph 1
Article 7 – paragraph 1
1. Member States shall ensure that consumers have access to at least one website, which includes a comparingson of fees charged by payment service providers for services offered on payment accounts at national level in accordance with paragraphs 2 andor 3.
Amendment 399 #
Proposal for a directive
Article 8 – paragraph 1
Article 8 – paragraph 1
1. Member States shall ensure that when a payment account is offered together with another service or product as part of a package, the payment service provider informs the consumer of whether it is possible to buy the payment account separately and provides separate information regarding the costs and fees associated with each of the products and services offered in the package, in order to ensure full transparency on cross-subsidy payments.
Amendment 426 #
Proposal for a directive
Article 10 – paragraph 1
Article 10 – paragraph 1
1. Member States shall ensure that the switching service is automated or initiated by the receiving payment service provider and provided in accordance with the rules set out in paragraphs 2 to 7. Member States may establish more extensive switching services.
Amendment 534 #
Proposal for a directive
Article 15 – paragraph 1
Article 15 – paragraph 1
1. Member States shall ensure that at least one payment service provider in their territory or a defined region, with a sufficient geographic coverage across the Member State and a sufficiently large network of operations to provide adequate access for consumers, offers a payment account with basic features to consumers. Member States shall ensure that payment accounts with basic features are not only offered by payment service providers that provide the account solely with online banking facilities.
Amendment 549 #
Proposal for a directive
Article 15 – paragraph 2
Article 15 – paragraph 2
2. Member States shall ensure that consumers legally resident in the Union have the right to open and use a payment account with basic features with the payment service provider or providers identified pursuant to paragraph 1. Such a right shall apply irrespective of the consumer's place of residence, but is however dependent on the consumer having a genuine link with the Member State of the provider. A genuine link may be established in advance for a Member State in which an individual is taking up residence or employment. An account may be opened remotely one month in advance with evidence of the intended residence or job offer. In such circumstances the individual shall subsequently attend in person, within a further month, for account verification purposes once in the Member State. Limits may be placed on the amounts that can be transferred prior to verification. Member States shall ensure that the exercise of the right is not made excessively difficult or burdensome for the consumer. Before opening the payment account with basic features, payment service providers shall verify whether the consumer holds or does not hold a payment account in their territory.
Amendment 575 #
Proposal for a directive
Article 15 – paragraph 3 – point b a (new)
Article 15 – paragraph 3 – point b a (new)
(ba) where the financial institution would be failing to meet their obligations in relation to the prevention of money laundering and the countering of terrorist financing;
Amendment 580 #
Proposal for a directive
Article 15 – paragraph 3 – point b b (new)
Article 15 – paragraph 3 – point b b (new)
(bb) the provision of the account would otherwise be contrary to national law; and
Amendment 581 #
Proposal for a directive
Article 15 – paragraph 3 – point b c (new)
Article 15 – paragraph 3 – point b c (new)
(bc) where payment service providers suspect that a consumer will use the account for unauthorised or fraudulent purposes;
Amendment 641 #
Proposal for a directive
Article 17 – paragraph 1
Article 17 – paragraph 1
1. Member States shall ensure that the services indicated in Article 16 are offered by payment service providers free of charge or for a reasonable feeat a low cost to the consumer.
Amendment 734 #
Proposal for a directive
Article 28 – paragraph 1 – subparagraph 1 a (new)
Article 28 – paragraph 1 – subparagraph 1 a (new)
Where the documents accompanying notification of transposition measures provided by the Member States are not sufficient to assess fully the compliance of those measures with certain provisions of this Directive, the Commission may, upon EBA's request with a view to carrying out its tasks under Regulation (EU) No 1093/2010, or on its own initiative, require Member States to provide more detailed information regarding the transposition of this Directive and the implementation of those measures.