德国和欧盟经济法数据库

 法规 (EU) No 2015/751

I. 描述

This regulation caps interchange fees. It increases transparency on fees thus permitting retailers to know the level of fees paid when accepting cards. It enhances competition by providing consumers with more and better choices between different types of payment cards and service providers.

Specifically, the regulation:

  • caps interchange fees at 0.2 % of the transaction value for consumer debit cards and at 0.3 % for consumer credit cards;
  • as regards consumer credit cards, allows EU countries to define percentage caps lower than 0.3 %;
  • as regards consumer debit card transactions, allows EU countries to impose a fee of no more than 5 eurocents per transaction interchange fee in combination with the 0.2 % cap;
  • provides for a limited number of exemptions, such as business cards used only for business expenses being charged directly to the account of the company;
  • increases transparency on the level of fees paid by retailers, thus enabling them more easily to select which payment cards to accept.

The regulation is part of a package that includes also the  Directive on Payment Services II, on which political agreement was reached in May 2015. The package aims to promote the digital single market by making payments safer and cheaper and paves the way for innovative payment technologies.

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II. 基本信息

标题

Regulation of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions

缩写
MIF Regulation
状态
现存
法规
(EU) No 2015/751
官方. 版本
公告. EU 号. L (Legislation), 公布 123, 年 2015, S.1
日期
2015/04/29
公告
2015/05/19
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 MIF Regulation:
Regulation of the European Parliament and of the Council of 29 April 2015 on interchange fees for card-based payment transactions

  (EU) No 2015/751

Beschluss:
2015/04/29 (D)
Verkuendung:
2015/05/19 (V)
(D) 日期 | (V)公布

2. 发生史

Datum
Typ / Titel
Textfassungen
2014/02/05
Opinion of the European Central Bank
ABL 2014/C 193/2
2013/12/11
Opinion of the European Economic and Social Committee
ABL 2014/C 170/78
2013/07/24
Proposal
COM(2013) 550 final

3. 意见

Datum
Stellungnahme
Textfassungen
2014/03/24
Centrum für Europäische Politik (cep)
相关意见: Kommissionsvorschlag
2013/11/07
Die Deutsche Kreditwirtschaft (DK)
相关意见: Kommissionsvorschlag

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