德国和欧盟经济法数据库

 法律指令 2015/2366/EU

I. 描述

Directive on Payment Services II replaces the old Directive on Payment Services of 2007. The new rules aim to protect consumers better when they make payments, promote the development and use of innovative online and mobile payments and make European payment services safer. Some of the changes that the new rules introduce are:

  • Introduction of strict security requirements for the initiation and processing of electronic payments and the protection of consumers' financial data;
  • Opening the EU payment market for companies offering consumer or business-oriented payment services based on the access to information about the payment account – the so called "payment initiation services providers" and "account information services providers";
  • Enhancing consumers’ rights in numerous areas, including reducing the liability for non-authorised payments, introducing an unconditional ("no questions asked") refund right for direct debits in euro; and
  • Prohibition of surcharging (additional charges for the right to pay e.g. with a card) whether the payment instrument is used in shops or online.

(Source: h​t​t​p​:​/​/​e​u​r​o​p​a​.​e​u​/​r​a​p​i​d​/​p​r​e​s​s​-​r​e​l​e​a​s​e​_​I​P​-​1​5​-​5​7​9​2​_​e​n​.​h​t​m​?​l​o​c​a​l​e​=​e​n)

II. 基本信息

标题

Directive of the European Parliament and of the Council on payment services in the internal market and amending Directives 2002/65/EC,   2013/36/EU and 2009/110/EC and repealing Directive 2007/64/EC

缩写
Directive on Payment Services II, PSD II
状态
现存
法律指令
2015/2366/EU
官方. 版本
公告. EU 号. L (Legislation), 公布 337, 年 2015, S.35
日期
2015/11/25
公告
2015/12/23
法案
普通的法律法案
法律基础
Art. 114 AEUV
法的实施
Codecision procedure

III. 文本和产生历史

1. 文本

Titel
Allg. Daten
Textfassung

原始.版本 Directive on Payment Services II, PSD II:
Directive of the European Parliament and of the Council on payment services in the internal market and amending Directives 2002/65/EC,   2013/36/EU and 2009/110/EC and repealing Directive 2007/64/EC

  2015/2366/EU

Beschluss:
2015/11/25 (D)
Verkuendung:
2015/12/23 (V)
(D) 日期 | (V)公布

2. 发生史

Datum
Typ / Titel
Textfassungen
2014/02/05
Opinion of the European Central Bank
O.J. 2014/C 224/01
2013/12/11
Opinion of the European Economic and Social Committee
ABL 2014/C 170/78
2013/12/05
Opinion of the European Data Protection Supervisor
ABL 2014/C 38/15
2013/07/24
Proposal
COM(2013) 547 final

3. 意见

Datum
Stellungnahme
Textfassungen
2013/12/02
Die Deutsche Kreditwirtschaft (DK)
相关意见: Kommissionsvorschlag
2013/11/01
Verbraucherzentrale Bundesverband e.V. (vzbv)
相关意见: Kommissionsvorschlag
2013/03/24
Centrum für Europäische Politik (cep)
相关意见: Kommissionsvorschlag

4. 影响

Auswirkungstyp
Richtlinie
Textfassungen
修改
  法律指令 2013/36/EU
修改
  法律指令 2009/110/EC
保留
  法律指令 2007/64/EC
修改
  法律指令 2002/65/EC

IV. Umsetzung in den Mitgliedstaaten

1. 在德国的实施

2017/07/17 (B)

2017/07/21 (V)

(B) 决定 | (V) 公告

Legend

Legislative Act Status

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目录

I. 描述
II. 基本信息
III. 文本和产生历史
1. 文本
2. 发生史
3. 意见
4. 影响
IV. Umsetzung in den Mitgliedstaaten
1. 在德国的实施