8 Amendments of Emilie TURUNEN related to 2013/0139(COD)
Amendment 145 #
Proposal for a directive
Recital 13
Recital 13
(13) The fee terminology should be determined by national competent authorities, allowing for consideration of the specificities of local markets. To be considered representative, services should be subject to a fee or offered free of charge at a minimum of one payment service provider in Member States. In addition, where possible, fee terminology should be standardised at EU level, thus allowing for comparison across the Union. The European Banking Authority (EBA) should establish guidelines to assist Member States to determine the most representative payment services, subject to a fee or offered free of charge, at national level.
Amendment 149 #
Proposal for a directive
Recital 14
Recital 14
(14) Once national competent authorities have determined a provisional list of the most representative services subject to a fee or offered free of charge at national level together with terms and definitions, the Commission should review them to identify, by means of delegated acts, the services that are common to the majority of Member States and propose standardised EU level terms and definitions for them.
Amendment 201 #
Proposal for a directive
Recital 31
Recital 31
(31) In order to ensure that basic payment accounts are available to the widest possible range of consumers, they should be offered free of charge or for a reasonable fee. Furthermore, any additional charges to the consumer for non- compliance with the terms laid down in the contract should be reasonable. Member States should establish what constitutes a reasonable charge according to national circumstances and never higher than the fees of the regular pricing policy of the provider. Payment service providers should be required to ensure that, among the products they offer, the payment account with basic features is always the most affordable account for carrying out basic payment transactions. There should be a reasonable upper limit for the total amount of fees charged in a year by a payment service provider to the consumer for the operation of a payment account with basic features. Member States should establish what constitutes a reasonable charge, and a reasonable upper limit for the total amount of fees in a year, according to national circumstances, inter alia with regard to the average income of people living at risk of poverty or social exclusion. In order to ensure consistency and efficiency in the implementation of the principle of a reasonable charge, the EBA should be tasked with issuing guidelines as regards the general criteria identified in this Directive.
Amendment 249 #
Proposal for a directive
Article 3 – paragraph 1
Article 3 – paragraph 1
1. Member States shall ensure that the competent authorities referred to in Article 20, determine a provisional list of at least 2015 payment services accounting for at least 890% of the most representative payment services, subject to a fee at national level. The listor offered free of charge, at national level. The list, to be made clear and concise, shall contain terms and definitions for each of the services identified.
Amendment 284 #
Proposal for a directive
Article 4 – paragraph 1 a (new)
Article 4 – paragraph 1 a (new)
1a. Member States shall ensure that payment service providers do not apply any fees that are not explicitly mentioned in the fee information document.
Amendment 372 #
Proposal for a directive
Article 7 – paragraph 1
Article 7 – paragraph 1
1. Member States shall ensure that consumers have free access to at least one website comparing fees charged and interest rates applied by payment service providers for services offered on payment accounts at national level in accordance with paragraphs 2 and 3.
Amendment 649 #
Proposal for a directive
Article 17 – paragraph 2 b (new)
Article 17 – paragraph 2 b (new)
2b. Member States shall establish a reasonable upper limit for the total amount of fees charged in a year by a payment service provider to the consumer for the services listed in Article 16(1).
Amendment 652 #
Proposal for a directive
Article 17 – paragraph 3 – introductory part
Article 17 – paragraph 3 – introductory part
3. Member States shall ensure that the competent authorities establish what constitutes a reasonable fee, as well as a reasonable upper limit for the total amount of fees charged in a year, according to one or several of the following criteria: