Activities of Jürgen KLUTE related to 2013/0139(COD)
Plenary speeches (4)
Payment accounts (A7-0398/2013 - Jürgen Klute) (vote)
Payment accounts (A7-0398/2013 - Jürgen Klute) (vote)
Payment accounts (debate)
Payment accounts (debate)
Reports (1)
REPORT on the proposal for a directive of the European Parliament and of the Council on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features PDF (585 KB) DOC (462 KB)
Amendments (8)
Amendment 180 #
Proposal for a directive
Recital 27
Recital 27
(27) Consumers who are legally resident in the Union and who do not holduse a payment account in a certain Member State should be in a position to open and use a payment account with basic features in that Member State. In order to ensure the widest possible access to such accounts, consumers should have access to them irrespective of their financial circumstances, such as unemployment or personal bankruptcy, and of their place of residence. Moreover, the right to access aAll provisions of this directive regarding transparency and comparability of fees and switching also apply to payment accounts with basic features in any. Member States should be granted in conformity with the requirements set out in Directive 2005/60/EC of the European Parliament and of the Council of 26 October 2005 on the prevention of the usfurther ensure that switching from and to a payment account with basic features should be possible for the consumer. In order to ensure the widest possible access to such accounts, consumers should have access to them irrespective of their financial system for the purpose of money laundering and terrorist financing, in particular with regard to customer due diligence procedurescircumstances, such as unemployment or personal bankruptcy, and of their place of residence.
Amendment 200 #
Proposal for a directive
Recital 30
Recital 30
(30) Consumers should be guaranteed access to a range of basic payment services, for which a minimum number of operations shall be determined by Member States in a way that should take into account both the needs of the consumers and the commercial practices in the Member State concerned. Beyond this list of minimum services, banks may apply their regular fees. Services linked to basic payment accounts should include the facility to depositplace and withdraw money via the different channels available. Consumers should be able to undertake essential payment transactions such as receiving income or benefits, paying bills or taxes and purchasing goods and services, including via direct debit, credit transfer and the use of a payment cardincluding standing orders and the use of a personalized payment instrument (e.g. payment card or software product). Such services should allow the purchase of goods and services online and should give consumers the opportunity to initiate payment orders via the payment service provider's online banking facility, where available. However, a payment account with basic features should not be restricted to online usage as this would create an obstacle for consumers without internet access. Consumers should not be given access to an overdraft facility with a payment account with basic features. However, Member States may allow payment services providers to offer buffering facilities for very small amounts in relation to payment accounts with basic features where the charges for such funds are separately disclosed to the consumer and at least as favourable as the provider's charges for overdrafts.
Amendment 509 #
Proposal for a directive
Article 12 – paragraph 1
Article 12 – paragraph 1
1. Member States shall ensure that any financial loss incurred by the consumer resulting from the non-compliance of a payment service provider involved in the switching process with its obligations under Article 10 is refunded by that payment service provider within the shortest possible delay.
Amendment 518 #
Proposal for a directive
Article 14 – paragraph 1
Article 14 – paragraph 1
Member States shall ensure that consumers legally resident or residing in the Union are not discriminated against by reason of their nationality or place of residence when applying for or accessinghave the right to open and use a payment account with basic features. Such a right shall apply irrespective of the consumer's place of residence. Criteria such as the consumer's level of income, employment, credit history, level of indebtedness or expected turnover shall not be taken into account for the opening of a payment account within the Union basic features.
Amendment 543 #
Proposal for a directive
Article 15 – paragraph 1 a (new)
Article 15 – paragraph 1 a (new)
Amendment 692 #
Proposal for a directive
Article 19 – title
Article 19 – title
Amendment 698 #
Proposal for a directive
Article 19 – paragraph 2 a (new)
Article 19 – paragraph 2 a (new)
2a. Member States shall ensure that payment service providers required to offer payment accounts with basic features publish, on an annual basis, data on the number of payment accounts with basic features applied for, rejected, opened, and closed during the relevant year. This data should be analysed and published by the following categories: income; employment status; ethnicity, age; gender, disability status. Where appropriate, the relevant data should be collected and published at three levels: (a) bank branch/ office level; (b) inclusion Assessment Area: this should be based on the appropriate and relevant assessment area agreed by Member States; (c) corporate level: data should be aggregated from branch and assessment area level to allow for an overall assessment of the bank's performance.
Amendment 699 #
Proposal for a directive
Article 19 – paragraph 2 b (new)
Article 19 – paragraph 2 b (new)
2b. Member States shall ensure that the competent authorities publish, including on their website, an audit of the performance of each bank in terms of its compliance with the right of access requirement. To this purpose, relevant payment providers shall be independently rated according to their performance in the provision of payment accounts with basic features and a rating of the top ten banks by market share shall be published at an annual basis. All relevant data shall be passed to the European Commission and to the European Banking Authority (EBA).