5 Amendments of Othmar KARAS related to 2013/0139(COD)
Amendment 71 #
Proposal for a directive
Recital 20
Recital 20
(20) It is current practice for payment service providers to offer a payment account in a package with other financial products or services. This practice can be a means for payment service providers to diversify their offer and to compete against each other, and in the end it can be beneficial for consumers. However the Commission study on tying practices in the financial sector conducted in 2009 as well as relevant consultations and consumer complaints have showed that payment service providers may offer bank accounts packaged with products not requested by consumers and which are not essential for payment accounts, such as household insurance. Moreover, it has been observed that these practices may reduce transparency and comparability of prices, limit purchasing options for consumers and negatively impact upon their mobility. Therefore, Member States should ensure that when payment service providers offer packaged payment accounts bundled with other financial services, consumers are provided with information on the applicable fees for the payment account and for each other financial service included in the package separately, insofar as the payment account and the other financial services can be bought separately. These obligations should not apply to services which are naturally connected to the use of the payment account, such as withdrawals, wire transfers or payment cards. As a result, these services should be excluded from the scope of this provision.
Amendment 97 #
Proposal for a directive
Article 4 – paragraph 2
Article 4 – paragraph 2
2. Where one or more payment services referred to in paragraph 1 is offered as part of a package of financialpayment services, the fee information document shall disclose which of the services referred to in paragraph 1 are included in the package, the fee for the entirthe fee for the entire package, the services which are included in the package, and the fee for any service that is not referred to in paragraph 1covered by the package fee.
Amendment 120 #
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 financial 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 if so provides separate information regarding the costs and fees associated with each of the financial products and services offered in the package, insofar as these can also be bought separately.
Amendment 146 #
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. 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 whetherthat the consumer holds or does not already hold a payment account in their territory. For this purpose, the consumer can provide the payment service provider with a declaration of honour, or with a declaration of a financial institution that verifies that the consumer has been refused the opening of a regular payment account.
Amendment 150 #
Proposal for a directive
Article 15 – paragraph 3 a (new)
Article 15 – paragraph 3 a (new)
3a. Where the consumer has provided false information in order to obtain a payment account with basic features, and would otherwise, i.e. with the correct information, have been denied the right to obtain such account;