Local view for "http://purl.org/linkedpolitics/eu/plenary/2007-04-23-Speech-1-073"
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".
Mr President, firstly I would like to thank the Committee on Economic and Monetary Affairs, and in particular the rapporteur, Jean-Paul Gauzès, for their excellent work in preparing the report on the directive on payment services in the internal market. I also thank you for your patience regarding the deferral of this plenary vote. This has provided the time needed to find common ground between the three institutions.
Currently, 27 different sets of national rules apply to payment transactions. Although we have the euro, national payments markets continue to be fragmented and, sadly, all too often payments are slow and expensive and consumers poorly served. This makes life for our citizens and businesses more difficult than it should be. It holds up their daily activities and hinders their business development. In some cases, desirable payment products, such as direct debits, are simply not available. The directive aims to remedy this situation in two main ways: on the one hand, by providing greater legal certainty and improved consumer protection, and, on the other hand, by opening up the payments market to more competition to encourage greater efficiency and innovation.
The directive provides greater legal certainty by establishing a harmonised set of rights and obligations for users and providers, as well as clear information requirements. Both are essential to an integrated EU payments market, at the heart of which is SEPA, the Single European Payments Area. SEPA is an industry initiative strongly supported by the European institutions. SEPA will allow for the creation of an integrated market, enabling payments to be executed more quickly and easily throughout the European Union. The efficiency of our payments systems should be enhanced and the cost of payments to the economy as a whole reduced. Adoption of the proposed directive is therefore crucial for the successful launch of SEPA.
But the picture would not be complete without the other objective of the directive, namely that of fostering more competition in payments markets through the establishment of an appropriate and balanced prudential framework for new entrants. New payment institutions, such as money remitters, mobile operators and retailers, should act as a spur to innovation.
Throughout these long months of negotiation, both the Council and the Commission have been very aware of the views set out in the report adopted by the Economic and Monetary Affairs Committee last September. The compromise text, which is now on the table as Amendment 286, therefore seeks to meet these objectives and, in particular, calls for a strengthened prudential framework for the new payment institutions. In addition to the qualitative prudential requirements already proposed by the Commission, these new institutions will now be subject to a regime of appropriate and balanced capital charges – both initial and ongoing, and hybrid institutions, such as retailers or telecom companies, must also meet safeguarding requirements such as ring-fencing.
The directive’s scope will be limited to payments that both originate and end in the European Union. It is, however, important not to forget about payment transactions involving non-EU Member States or non-EU currencies. Consumers rightly expect the provisions protecting them with regard to theft, loss or misappropriation of payment instruments to apply irrespective of whether non-authorised use takes place inside or outside the European Union. Performance, quality and price of payments made towards third countries should also improve. EU consumers transfer considerable amounts of funds to third countries, often to support their families. The costs of such payments can be very high. Therefore, after three years of operation, the scope of the directive should be reviewed in order to assess whether ‘one-leg payments’, where only one of the parties involved is in the EU, or payments in non-EU currencies, should be included.
Let me conclude: European citizens and businesses today need a single payments market, in which payments can be made as quickly, efficiently and conveniently as domestic payments. This directive can provide the market with the necessary legal foundation for SEPA and with a new prudential framework fostering new competition."@en4
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"Mr President, firstly I would like to thank the Committee on Economic and Monetary Affairs, and in particular the rapporteur, Jean-Paul Gauzès, for their excellent work in preparing the report on the directive on payment services in the internal market. I also thank you for your patience regarding the deferral of this plenary vote. This has provided the time needed to find common ground between the three institutions.
Currently, 27 different sets of national rules apply to payment transactions. Although we have the euro, national payments markets continue to be fragmented and, sadly, all too often payments are slow and expensive and consumers poorly served. This makes life for our citizens and businesses more difficult than it should be. It holds up their daily activities and hinders their business development. In some cases, desirable payment products, such as direct debits, are simply not available. The directive aims to remedy this situation in two main ways: on the one hand, by providing greater legal certainty and improved consumer protection, and, on the other hand, by opening up the payments market to more competition to encourage greater efficiency and innovation.
The directive provides greater legal certainty by establishing a harmonised set of rights and obligations for users and providers, as well as clear information requirements. Both are essential to an integrated EU payments market, at the heart of which is SEPA, the Single European Payments Area. SEPA is an industry initiative strongly supported by the European institutions. SEPA will allow for the creation of an integrated market, enabling payments to be executed more quickly and easily throughout the European Union. The efficiency of our payments systems should be enhanced and the cost of payments to the economy as a whole reduced. Adoption of the proposed directive is therefore crucial for the successful launch of SEPA.
But the picture would not be complete without the other objective of the directive, namely that of fostering more competition in payments markets through the establishment of an appropriate and balanced prudential framework for new entrants. New payment institutions, such as money remitters, mobile operators and retailers, should act as a spur to innovation.
Throughout these long months of negotiation, both the Council and the Commission have been very aware of the views set out in the report adopted by the Economic and Monetary Affairs Committee last September. The compromise text, which is now on the table as Amendment 286, therefore seeks to meet these objectives and, in particular, calls for a strengthened prudential framework for the new payment institutions. In addition to the qualitative prudential requirements already proposed by the Commission, these new institutions will now be subject to a regime of appropriate and balanced capital charges – both initial and ongoing, and hybrid institutions, such as retailers or telecom companies, must also meet safeguarding requirements such as ring-fencing.
The directive’s scope will be limited to payments that both originate and end in the European Union. It is, however, important not to forget about payment transactions involving non-EU Member States or non-EU currencies. Consumers rightly expect the provisions protecting them with regard to theft, loss or misappropriation of payment instruments to apply irrespective of whether non-authorised use takes place inside or outside the European Union. Performance, quality and price of payments made towards third countries should also improve. EU consumers transfer considerable amounts of funds to third countries, often to support their families. The costs of such payments can be very high. Therefore, after three years of operation, the scope of the directive should be reviewed in order to assess whether ‘one-leg payments’, where only one of the parties involved is in the EU, or payments in non-EU currencies, should be included.
Let me conclude: European citizens and businesses today need a single payments market, in which payments can be made as quickly, efficiently and conveniently as domestic payments. This directive can provide the market with the necessary legal foundation for SEPA and with a new prudential framework fostering new competition."@cs1
"Hr. formand! Jeg vil gerne indledningsvis takke Økonomi- og Valutaudvalget, herunder navnlig ordføreren Jean-Paul Gauzès, for den fremragende indsats i forbindelse med udarbejdelsen af betænkningen om direktivet om betalingstjenester i det indre marked. Jeg takker også for den tålmodighed, der er blevet udvist i forbindelse med udsættelsen af denne plenarafstemning. Dette har givet de tre institutioner den nødvendige tid til at finde fælles fodslag.
I dag er der 27 forskellige nationale regelsæt til regulering af betalingstransaktioner. Selv om vi har euroen, er de nationale betalingsmarkeder fortsat fragmenterede, og desværre er betalingsprocedurerne alt for ofte langsomme og dyre, og forbrugerne tilbydes en ringe service. Det gør det mere besværligt for vores borgere og virksomheder, end det burde være. Deres daglige aktiviteter forsinkes, og der lægges hindringer i vejen for virksomhedernes udvikling. I visse tilfælde er ønskelige betalingsprodukter som f.eks. direkte debiteringer ganske enkelt ikke tilgængelige. Formålet med direktivet er at rette op på denne situation på to måder, dvs. på den ene side ved at øge retssikkerheden og forbedre forbrugerbeskyttelsen og på den anden side ved at åbne betalingsmarkederne for yderligere konkurrence med henblik på at fremme anvendelsen af effektive og innovative metoder.
Direktivet øger retssikkerheden, idet der fastsættes en række harmoniserede rettigheder og forpligtelser for brugere og tjenesteudbydere såvel som klare informationskrav. Begge disse aspekter er af afgørende betydning for et integreret europæisk betalingsmarked baseret på SEPA, Det Fælles Eurobetalingsområde. SEPA er et brancheinitiativ, som EU-institutionerne støtter kraftigt. SEPA vil skabe mulighed for oprettelse af et integreret marked, hvor betalingerne kan gennemføres hurtigere og nemmere i hele EU. Vores betalingssystemer skal effektiviseres, og betalingsomkostningerne for økonomien som helhed skal reduceres. Det er således af afgørende betydning for en vellykket iværksættelse af SEPA, at direktivforslaget vedtages.
Billedet ville imidlertid ikke være fuldstændigt uden direktivets andet formål, nemlig fremme af øget konkurrence på betalingsmarkederne gennem etablering af en passende og afbalanceret tilsynsramme for nye markedsaktører. Nye betalingsinstitutter som f.eks. remittenter, udbydere af mobile betalinger og detailhandlere bør anspore til innovation.
Under disse månedslange forhandlinger har både Rådet og Kommissionen været meget opmærksom på de synspunkter, der er fremlagt i den betænkning, som Økonomi- og Valutaudvalget vedtog i september sidste år. Formålet med den kompromistekst, der er blevet fremlagt som ændringsforslag 286, er således at opfylde disse målsætninger, og der stilles navnlig krav om en styrkelse af tilsynsrammen for de nye betalingsinstitutter. Ud over de kvalitative tilsynskrav, som Kommissionen allerede har foreslået, vil disse nye institutter nu blive underlagt passende og afbalancerede kapitalkrav både med hensyn til startkapital og egenkapital, og hybridinstitutter som f.eks. detailhandlere eller telekommunikationsselskaber skal også opfylde sikkerhedskrav såsom øremærkning.
Direktivet gælder kun for betalinger i EU. Det er imidlertid vigtigt ikke at se bort fra betalingstransaktioner, der involverer tredjelande eller tredjelandsvalutaer. Forbrugerne forventer med rette, at de bestemmelser, der beskytter dem mod tyveri, tab eller uberettiget tilegnelse af betalingsinstrumenter, finder anvendelse, uanset om den uautoriserede anvendelse sker inden for eller uden for EU. Afviklingen og kvaliteten af og prisen for betalinger til tredjelande bør også forbedres. De europæiske forbrugere overfører betydelige beløb til tredjelande, ofte til understøttelse af deres familier. Betalingsomkostningerne kan være meget høje. Direktivets anvendelsesområde bør derfor tages op til revision tre år efter ikrafttrædelsen med henblik på at vurdere, om "ensidige betalinger", hvor kun den ene af de involverede aktører er hjemmehørende i EU, eller betalinger i tredjelandsvalutaer skal omfattes.
Jeg vil gerne afslutningsvis påpege, at de europæiske borgere og virksomheder har brug for et indre marked for betalinger til udlandet, hvor betalingerne kan gennemføres lige så hurtigt, effektivt og hensigtsmæssigt som indenlandske betalinger. Dette direktiv kan sikre markedet det nødvendige retsgrundlag for SEPA og en ny tilsynsramme, der øger konkurrencen."@da2
"Herr Präsident! Zuerst möchte ich dem Ausschuss für Wirtschaft und Währung und insbesondere dem Berichterstatter, Jean-Paul Gauzès, für die ausgezeichnete Arbeit in Vorbereitung des Berichts über die Richtlinie über Zahlungsdienste im Binnenmarkt meinen Dank aussprechen. Ferner bedanke ich mich für Ihre Geduld, die Sie in Bezug auf die Verschiebung der Abstimmung im Plenum an den Tag gelegt haben. Damit haben wir genügend Zeit für eine Abstimmung zwischen den drei Organen gewonnen.
Für Zahlungsvorgänge gelten gegenwärtig 27 verschiedene nationale Regelungen. Obwohl wir den Euro haben, sind die nationalen Zahlungsverkehrsmärkte auch weiterhin zersplittert, und leider erfolgen Zahlungen allzu oft nur langsam, sind teuer und die Dienstleistungen für den Kunden sind schlecht. Damit wird das Leben unserer Bürger und Unternehmen mehr als notwendig erschwert. Ihr alltägliches Handeln und die Entwicklung der Unternehmen werden behindert. In einigen Fällen stehen wünschenswerte Zahlungsprodukte wie das Lastschriftverfahren einfach nicht zur Verfügung. Mit dieser Richtlinie soll diese Situation in zweierlei Hinsicht verbessert werden: Sie soll einerseits für größere Rechtssicherheit und verbesserten Verbraucherschutz sorgen und andererseits mehr Effizienz und Innovation fördern, indem der Zahlungsmarkt stärker für den Wettbewerb geöffnet wird.
Die Richtlinie sorgt für mehr Rechtssicherheit, indem für Nutzer und Anbieter einheitliche Rechte und Pflichten eingeführt sowie eindeutige Informationsanforderungen aufgestellt werden. Beides ist für einen integrierten EU-Zahlungsverkehrsmarkt unabdingbar, in dessen Mittelpunkt der einheitliche Euro-Zahlungsverkehrsraum – SEPA – steht. SEPA geht auf eine Initiative der Branche zurück, die von den Institutionen der Gemeinschaft ausdrücklich unterstützt wird. SEPA ermöglicht die Schaffung eines integrierten Marktes, so dass Zahlungen in der gesamten Europäischen Union schneller und leichter ausgeführt werden können. Die Effizienz unserer Zahlungsverkehrssysteme muss erhöht und die Kosten der Zahlungen müssen für die Wirtschaft insgesamt verringert werden. Daher ist die Annahme der vorgeschlagenen Richtlinie für die erfolgreiche Errichtung des SEPA von entscheidender Bedeutung.
Das Bild wäre jedoch nicht vollständig ohne das andere Ziel der Richtlinie, nämlich die Förderung von mehr Wettbewerb in den Zahlungsverkehrsmärkten durch die Einrichtung eines angemessenen und ausgewogenen aufsichtsrechtlichen Rahmens für neue Marktteilnehmer. Neue Zahlungsinstitute wie Finanztransferdienstleister, mobile Zahlungsdienste und Einzelhändler dürften Innovationen Auftrieb geben.
In den vielen Monaten, in denen die Verhandlungen stattfanden, waren sich Rat und Kommission der Ansichten sehr gewärtig, die in dem vom Ausschuss für Wirtschaft und Währung im letzten September angenommenen Bericht dargelegt werden. Mit dem Kompromisstext, der uns nunmehr als Änderungsantrag 286 vorliegt, wird deshalb versucht, diese Zielsetzungen zu erreichen. Insbesondere wird darin ein besserer Aufsichtsrahmen für die neuen Zahlungsinstitute gefordert. Neben den von der Kommission bereits vorgeschlagenen qualitativen Aufsichtsanforderungen wird für diese neuen Institute nunmehr eine angemessene und ausgewogene Eigenkapitalausstattung vorgeschrieben – sowohl als Anfangskapital als auch für die laufenden Kapitaltransaktionen, und Hybridinstitutionen wie Einzelhändler oder Telefongesellschaften müssen ebenfalls Aufsichtsvorschriften wie die Zweckbindung erfüllen.
Der Geltungsbereich der Richtlinie wird auf Zahlungen beschränkt, die ihren Ursprung in der Europäischen Union haben bzw. in diese gehen. Dabei dürfen allerdings Zahlungsvorgänge mit Nicht-EU-Mitgliedstaaten und Nicht-EU-Währungen nicht vergessen werden. Die Verbraucher erwarten zu Recht, dass die Bestimmungen, die sie vor Verlust, Diebstahl oder einer widerrechtlichen Aneignung der Zahlungsinstrumente schützen, für sie Gültigkeit besitzen, unabhängig davon, ob die nicht autorisierte Nutzung innerhalb oder außerhalb der Europäischen Union erfolgt. Verbesserungsbedürftig sind auch die Erbringung, die Qualität und der Preis der Zahlungsdienste in Bezug auf Drittländer. EU-Verbraucher überweisen beträchtliche Beträge in Drittländer, vielfach um ihre Familien zu unterstützen. Die Kosten solcher Zahlungen können enorm hoch sein. Deshalb sollte nach drei Jahren der Inhalt der Richtlinie dahingehend überprüft werden, ob in eine Richtung gehende Zahlungen, d. h. bei denen lediglich eine der Parteien in der EU ansässig ist, oder Zahlungen in Nicht-EU-Währungen einbezogen werden sollten.
Ich möchte zum Schluss kommen: Die Bürgerinnen und Bürger sowie die Unternehmen Europas brauchen heute einen einheitlichen Zahlungsverkehrsmarkt, auf dem der Zahlungsverkehr genau so schnell, effizient und bequem abgewickelt werden kann wie der Verkehr im Inland. Diese Richtlinie kann die erforderliche Rechtsgrundlage für SEPA schaffen und für einen neuen aufsichtsrechtlichen Rahmen sorgen, der zu neuem Wettbewerb führt."@de9
"Κύριε Πρόεδρε, θα ήθελα καταρχάς να ευχαριστήσω την Επιτροπή Οικονομικών και Νομισματικών Θεμάτων, και ειδικότερα τον εισηγητή Jean-Paul Gauzès, για την εξαιρετική δουλειά τους στην προετοιμασία της έκθεσης για την οδηγία σχετικά με τις υπηρεσίες πληρωμών στην εσωτερική αγορά. Σας ευχαριστώ επίσης για την υπομονή σας όσον αφορά την αναβολή αυτής της ψηφοφορίας στην Ολομέλεια. Αυτό μας έδωσε τον απαιτούμενο χρόνο για να βρούμε κοινά σημεία μεταξύ των τριών θεσμικών οργάνων.
Επί του παρόντος, εφαρμόζονται 27 διαφορετικές δέσμες εθνικών κανόνων στις συναλλαγές πληρωμών. Παρά την ύπαρξη του ευρώ, οι εθνικές αγορές πληρωμών εξακολουθούν να είναι κατακερματισμένες και, δυστυχώς, πολύ συχνά οι πληρωμές είναι καθυστερημένες και ακριβές και οι καταναλωτές δεν εξυπηρετούνται σωστά. Αυτό καθιστά τη ζωή για τους πολίτες και τις επιχειρήσεις μας δυσκολότερη από όσο θα έπρεπε. Εμποδίζει τις καθημερινές δραστηριότητές τους και παρακωλύει την επιχειρηματική ανάπτυξή τους. Σε ορισμένες περιπτώσεις, επιθυμητά προϊόντα πληρωμών, όπως η αυτόματη χρέωση λογαριασμού, απλά δεν διατίθενται. Η οδηγία στοχεύει στο να θεραπεύσει αυτήν την κατάσταση με δύο τρόπους: αφενός, παρέχοντας μεγαλύτερη ασφάλεια δικαίου και αυξημένη προστασία των καταναλωτών και, αφετέρου, ανοίγοντας την αγορά πληρωμών σε περισσότερο ανταγωνισμό, ώστε να ενθαρρύνεται η μεγαλύτερη αποτελεσματικότητα και καινοτομία.
Η οδηγία παρέχει μεγαλύτερη ασφάλεια δικαίου θεσπίζοντας μια εναρμονισμένη δέσμη δικαιωμάτων και υποχρεώσεων για χρήστες και παρόχους, όπως και σαφείς απαιτήσεις πληροφόρησης. Και τα δύο είναι σημαντικά σε μια ολοκληρωμένη αγορά πληρωμών της ΕΕ, στο επίκεντρο της οποίας βρίσκεται ο SEPA, ο ενιαίος χώρος πληρωμών σε ευρώ. Ο SEPA είναι μια πρωτοβουλία των βιομηχανιών που υποστηρίζεται θερμά από τα ευρωπαϊκά θεσμικά όργανα. Ο SEPA θα επιτρέψει τη δημιουργία μιας ολοκληρωμένης αγοράς, παρέχοντας τη δυνατότητα να εκτελούνται οι πληρωμές ταχύτερα και ευκολότερα σε ολόκληρη την Ευρωπαϊκή Ένωση. Η αποτελεσματικότητα των συστημάτων πληρωμών μας θα πρέπει να αυξηθεί και το κόστος των πληρωμών στην οικονομία συνολικά να μειωθεί. Η έγκριση της προτεινόμενης οδηγίας είναι, επομένως, σημαντική για την επιτυχή λειτουργία του SEPA.
Όμως, η εικόνα δεν θα ήταν πλήρης χωρίς τον άλλο στόχο της οδηγίας, δηλαδή αυτόν της ενθάρρυνσης του περισσότερου ανταγωνισμού στις αγορές πληρωμών μέσω της θέσπισης ενός κατάλληλου και ισορροπημένου πλαισίου για τους νεοεισερχόμενους. Νέα όργανα πληρωμών, όπως αποστολείς εμβασμάτων, φορείς εκμετάλλευσης κινητής τηλεφωνίας και λιανέμποροι, θα πρέπει να ενεργούν ως κίνητρο στην καινοτομία.
Κατά τη διάρκεια αυτών των πολύμηνων διαπραγματεύσεων, τόσο το Συμβούλιο όσο και η Επιτροπή είχαν πλήρη επίγνωση των απόψεων που παρατίθενται στην έκθεση που εγκρίθηκε από την Επιτροπή Οικονομικών και Νομισματικών Θεμάτων τον προηγούμενο Σεπτέμβριο. Το κείμενο συμβιβασμού, που βρίσκεται τώρα στο τραπέζι ως τροπολογία 286, στοχεύει επομένως στο να ανταποκριθεί σε αυτούς τους στόχους και, ειδικότερα, ζητεί να θεσπιστεί ένα ενισχυμένο πλαίσιο προληπτικής εποπτείας για τα νέα όργανα πληρωμών. Πέρα από τις ποιοτικές απαιτήσεις προληπτικής εποπτείας που έχουν ήδη προταθεί από την Επιτροπή, αυτοί οι νέοι φορείς θα υπόκεινται τώρα σε ένα καθεστώς κατάλληλων και ισορροπημένων κεφαλαιουχικών δαπανών – τόσο αρχικά όσο και μεταγενέστερα, και οι υβριδικοί φορείς όπως οι λιανέμποροι και οι εταιρίες τηλεπικοινωνιών, πρέπει επίσης να ανταποκρίνονται σε απαιτήσεις προστασίας όπως ο διαχωρισμός.
Το πεδίο εφαρμογής της οδηγίας θα περιορίζεται σε πληρωμές που προέρχονται και καταλήγουν στην Ευρωπαϊκή Ένωση. Είναι, ωστόσο, σημαντικό να μην λησμονούμε τις συναλλαγές πληρωμών στις οποίες συμμετέχουν μη μέλη της Ένωσης και νομίσματα διαφορετικά από εκείνα της Ένωσης. Οι καταναλωτές δικαίως αναμένουν ότι οι διατάξεις που θα τους προστατεύουν από την κλοπή, την απώλεια ή τις καταχρήσεις των οργάνων πληρωμών, θα εφαρμόζονται άσχετα από το εάν η μη εξουσιοδοτημένη χρήση λαμβάνει χώρα εντός ή εκτός της Ευρωπαϊκής Ένωσης. Η απόδοση, η ποιότητα και το τίμημα των πληρωμών προς τρίτες χώρες θα πρέπει επίσης να βελτιωθεί. Οι καταναλωτές της ΕΕ μεταφέρουν σημαντικά ποσά σε τρίτες χώρες, συχνά για να στηρίξουν τις οικογένειες τους. Το κόστος αυτών των πληρωμών μπορεί να είναι πολύ υψηλό. Επομένως, μετά από τρία χρόνια λειτουργίας, το πεδίο εφαρμογής της οδηγίας θα πρέπει να αναθεωρηθεί προκειμένου να αξιολογηθεί εάν θα πρέπει να περιληφθούν και οι «μονόδρομες πληρωμές», όπου μόνον το ένα από τα συμμετέχοντα μέρη βρίσκεται στην ΕΕ, ή οι πληρωμές σε μη κοινοτικά νομίσματα.
Επιτρέψτε μου να συνοψίσω: οι πολίτες και οι επιχειρήσεις της Ευρώπης χρειάζονται σήμερα μία αγορά ενιαίων πληρωμών, όπου οι πληρωμές μπορούν να πραγματοποιούνται τόσο γρήγορα, αποτελεσματικά και άνετα όσο και οι εγχώριες πληρωμές. Αυτή η οδηγία μπορεί να παράσχει στην αγορά τα απαραίτητα νομικά θεμέλια για τον SEPA και με ένα νέο πλαίσιο προληπτικής εποπτείας που θα ενθαρρύνει τον νέο ανταγωνισμό."@el10
".
Señor Presidente, en primer lugar quiero dar las gracias a la Comisión de Asuntos Económicos y Monetarios, en particular al ponente, Jean-Paul Gauzès, por el excelente trabajo que ha realizado en la elaboración del informe relativo a la Directiva sobre servicios de pago en el mercado interior. También les doy las gracias por su paciencia en relación con el retraso de esta votación en el Pleno. Esto nos ha proporcionado el tiempo necesario para acercar posiciones entre las tres instituciones.
En la actualidad se aplican 27 conjuntos diferentes de normas nacionales a las transacciones de pago. Aunque tenemos el euro, los mercados nacionales de pagos siguen estando fragmentados y, por desgracia, demasiado a menudo los pagos son lentos y caros y los consumidores reciben un mal servicio. Eso hace que la vida de nuestros ciudadanos y nuestras empresas sea más difícil de lo que debería ser. Entorpece sus actividades diarias y dificulta el desarrollo de sus empresas. En algunos casos, sencillamente no se dispone de los productos de pago deseables, como los débitos directos. La Directiva pretende resolver esta situación principalmente en dos formas: por una parte, ofreciendo una mayor seguridad jurídica y una mejor protección del consumidor y, por otra, abriendo el mercado de pagos para que haya más competencia y fomentar así la eficiencia y la innovación.
La Directiva proporciona una mayor seguridad jurídica al establecer un grupo armonizado de derechos y obligaciones para usuarios y proveedores, así como unos claros requisitos de información. Ambos elementos son esenciales para un mercado de pagos integrado en la UE, en cuyo centro se encuentra el SEPA, el espacio único de pago en euros. El SEPA responde a una iniciativa del sector que cuenta con el firme apoyo de las instituciones europeas. El SEPA permitirá la creación de un mercado integrado, en el que los pagos puedan realizarse de forma más rápida y fácil en toda la Unión Europea. Es preciso mejorar la eficiencia de nuestros sistemas de pago y reducir el coste de los pagos para la economía en su conjunto. La adopción de la Directiva propuesta es, pues, esencial para un lanzamiento efectivo del SEPA.
Pero el cuadro no estaría completo sin el otro objetivo de la Directiva, a saber, fomentar la competencia en los mercados de pagos mediante el establecimiento de un marco prudencial adecuado y equilibrado para los nuevos proveedores de servicios de pago. Las nuevas entidades de pago, como las agencias de transferencia de dinero, los operadores y móviles y los minoristas, deben servir de acicate para la innovación.
Durante esos largos meses de negociación, tanto el Consejo como la Comisión han sido muy conscientes de los puntos de vista expresados en el informe adoptado por la Comisión de Asuntos Económicos y Monetarios el pasado mes de septiembre. Así pues, el texto de compromiso, que ahora está sobre el tapete en forma de enmienda 286, pretende satisfacer esos objetivos y, en concreto, pide un marco prudencial fortalecido para las nuevas entidades de pago. Además de los requisitos prudenciales cualitativos ya propuestos por la Comisión, estas nuevas entidades estarán sujetas ahora a un régimen de requisitos de capital adecuados y equilibrados, tanto iniciales como continuos, y las entidades híbridas, como los minoristas o las compañías de telecomunicaciones, deberán cumplir también requisitos de salvaguardia como el bloqueo.
El ámbito de aplicación de la Directiva se limitará a los pagos que se originen y finalicen en la Unión Europea. Ahora bien, es importante no olvidar las transacciones de pago que implican a Estados que no son miembros de la UE y monedas que no son de la UE. Los consumidores esperan, con razón, que las disposiciones que les protegen contra el robo, la pérdida o la apropiación indebida de instrumentos de pago se aplique al margen de si el uso no autorizado se produce dentro o fuera de la Unión Europea. El rendimiento, la calidad y el precio de los pagos realizados a terceros países también deben mejorar. Los consumidores de la UE transfieren cantidades considerables de fondos a terceros países, a menudo para ayudar a sus familias. Los costes de esos pagos pueden ser muy elevados. Por lo tanto, después de tres años de vigencia, el alcance de la Directiva debería revisarse para valorar si deben incluirse en la misma aquellos pagos en los que solo una de las partes implicadas pertenece a la UE y los pagos en divisas que no son de la UE:
Permítanme concluir: los ciudadanos y las empresas europeas de hoy necesitan un mercado de pagos único, en el que los pagos se puedan hacer con la misma rapidez, eficiencia y comodidad que los pagos nacionales. Esta Directiva puede proporcionar al mercado el fundamento jurídico necesario para el SEPA y un nuevo marco prudencial que fomente la competencia de nuevos proveedores."@es21
"Mr President, firstly I would like to thank the Committee on Economic and Monetary Affairs, and in particular the rapporteur, Jean-Paul Gauzès, for their excellent work in preparing the report on the directive on payment services in the internal market. I also thank you for your patience regarding the deferral of this plenary vote. This has provided the time needed to find common ground between the three institutions.
Currently, 27 different sets of national rules apply to payment transactions. Although we have the euro, national payments markets continue to be fragmented and, sadly, all too often payments are slow and expensive and consumers poorly served. This makes life for our citizens and businesses more difficult than it should be. It holds up their daily activities and hinders their business development. In some cases, desirable payment products, such as direct debits, are simply not available. The directive aims to remedy this situation in two main ways: on the one hand, by providing greater legal certainty and improved consumer protection, and, on the other hand, by opening up the payments market to more competition to encourage greater efficiency and innovation.
The directive provides greater legal certainty by establishing a harmonised set of rights and obligations for users and providers, as well as clear information requirements. Both are essential to an integrated EU payments market, at the heart of which is SEPA, the Single European Payments Area. SEPA is an industry initiative strongly supported by the European institutions. SEPA will allow for the creation of an integrated market, enabling payments to be executed more quickly and easily throughout the European Union. The efficiency of our payments systems should be enhanced and the cost of payments to the economy as a whole reduced. Adoption of the proposed directive is therefore crucial for the successful launch of SEPA.
But the picture would not be complete without the other objective of the directive, namely that of fostering more competition in payments markets through the establishment of an appropriate and balanced prudential framework for new entrants. New payment institutions, such as money remitters, mobile operators and retailers, should act as a spur to innovation.
Throughout these long months of negotiation, both the Council and the Commission have been very aware of the views set out in the report adopted by the Economic and Monetary Affairs Committee last September. The compromise text, which is now on the table as Amendment 286, therefore seeks to meet these objectives and, in particular, calls for a strengthened prudential framework for the new payment institutions. In addition to the qualitative prudential requirements already proposed by the Commission, these new institutions will now be subject to a regime of appropriate and balanced capital charges – both initial and ongoing, and hybrid institutions, such as retailers or telecom companies, must also meet safeguarding requirements such as ring-fencing.
The directive’s scope will be limited to payments that both originate and end in the European Union. It is, however, important not to forget about payment transactions involving non-EU Member States or non-EU currencies. Consumers rightly expect the provisions protecting them with regard to theft, loss or misappropriation of payment instruments to apply irrespective of whether non-authorised use takes place inside or outside the European Union. Performance, quality and price of payments made towards third countries should also improve. EU consumers transfer considerable amounts of funds to third countries, often to support their families. The costs of such payments can be very high. Therefore, after three years of operation, the scope of the directive should be reviewed in order to assess whether ‘one-leg payments’, where only one of the parties involved is in the EU, or payments in non-EU currencies, should be included.
Let me conclude: European citizens and businesses today need a single payments market, in which payments can be made as quickly, efficiently and conveniently as domestic payments. This directive can provide the market with the necessary legal foundation for SEPA and with a new prudential framework fostering new competition."@et5
".
Arvoisa puhemies, haluan aluksi esittää kiitokset talous- ja raha-asioiden valiokunnalle sekä erityisesti esittelijä Gauzès'lle erinomaisesta työstä maksupalveluja sisämarkkinoilla koskevaa direktiiviä käsittelevän mietinnön valmistelussa. Kiitän teitä myös kärsivällisyydestä täysistunnossa toimitettavan äänestyksen lykkäämistä koskevassa asiassa. Näin saatiin aikaa, jota tarvittiin kolmen toimielimen välisen yhteisen perustan löytämiseksi.
Maksutapahtumiin sovelletaan nykyisin 27:ää erilaista kansallista säännöstöä. Vaikka euro on otettu käyttöön, kansalliset maksumarkkinat ovat edelleen pirstaleisia, ja valitettavasti maksut ovat aivan liian usein hitaita ja kalliita ja kuluttajien palvelu heikkoa. Tämä tekee EU:n kansalaisten ja yritysten elämästä vaikeampaa kuin se voisi olla. Tilanne viivyttää päivittäisiä toimia ja estää liiketoiminnan kehitystä. Haluttuja maksutuotteita, kuten suoraveloitusta, ei toisinaan ole edes saatavilla. Direktiivillä pyritään korjaamaan tämä tilanne pääasiassa kahdella tavalla: toisaalta lisäämällä oikeusvarmuutta ja parantamalla kuluttajansuojaa sekä toisaalta avaamalla maksumarkkinoita kilpailulle tehokkuuden ja innovoinnin lisäämiseksi.
Direktiivillä lisätään oikeusvarmuutta vahvistamalla yhdenmukaistetut maksupalvelunkäyttäjien ja -tarjoajien oikeudet ja velvollisuudet sekä tiedonantovaatimukset. Nämä molemmat ovat välttämättömiä yhdennetyille EU:n maksumarkkinoille, joiden ytimen muodostaa yhtenäinen euromaksualue (SEPA). Yhtenäinen euromaksualue on alan toimijoiden aloite, jota Euroopan unionin toimielimet tukevat voimakkaasti. Aloitteen avulla voidaan luoda yhdennetyt markkinat, joissa maksut voidaan suorittaa nopeammin ja helpommin kaikkialla Euroopan unionissa. Maksujärjestelmien tehokkuutta olisi kohennettava ja maksuista kokonaistaloudelle aiheutuvia kustannuksia vähennettävä. Direktiiviehdotuksen hyväksyminen on tämän vuoksi ratkaisevan tärkeää yhtenäisen euromaksualueen toteuttamisen kannalta.
Kuva ei kuitenkaan olisi täydellinen ilman direktiivin toista tavoitetta eli sitä, että lisätään kilpailua maksumarkkinoilla luomalla asianmukainen ja tasapainoinen toiminnan vakautta koskeva kehys uusille markkinatoimijoille. Uusien maksulaitosten, kuten rahansiirtopalvelujen tarjoajien, matkapuhelinoperaattoreiden ja vähittäiskauppiaiden, olisi toimittava innoittajina innovointiin.
Kuukausia kestäneiden pitkien neuvottelujen aikana sekä neuvosto että komissio ovat koko ajan olleet hyvin perillä talous- ja raha-asioiden valiokunnan viime syyskuussa hyväksymässä mietinnössä esitetyistä näkemyksistä. Kompromissitekstissä, joka on nyt käsiteltävänä tarkistuksena 286, pyritään tämän vuoksi saavuttamaan nämä tavoitteet ja edellytetään erityisesti tiukempaa toiminnan vakautta koskevaa kehystä uusille maksulaitoksille. Komission jo ehdottamien toiminnan vakautta koskevien kvalitatiivisten vaatimusten lisäksi näitä uusia laitoksia koskevat asianmukaiset ja tasapainoiset pääomavaatimukset, jotka käsittävät sekä alkupääoman että jatkuvan pääoman. Lisäksi hybridilaitosten, kuten vähittäismyyjien tai televiestintäyritysten, on täytettävä myös asiakkaiden varojen turvaamista koskevat vaatimukset, kuten varojen erillään pitämistä koskeva säännös.
Direktiivin soveltamisala rajoitetaan maksuihin, jotka sekä saavat alkunsa Euroopan unionista että päätyvät Euroopan unioniin. On kuitenkin tärkeää, ettei unohdeta maksutapahtumia, joissa on mukana muita kuin EU:n jäsenvaltioita ja muita kuin EU:n jäsenvaltioiden valuuttoja. Kuluttajat odottavat hyvällä syyllä, että heitä varkauden, katoamisen tai luvattoman käytön yhteydessä suojelevia säännöksiä sovelletaan riippumatta siitä, tapahtuuko luvaton käyttö Euroopan unionissa vai sen ulkopuolella. Kolmansiin maihin suoritettavien maksujen toteuttamisen, laadun ja hinnan olisi myös parannuttava. EU:n kuluttajat siirtävät huomattavasti varoja kolmansiin maihin, usein tueksi perheilleen. Tällaisten maksujen kustannukset voivat olla hyvin suuria. Tämän vuoksi direktiivin soveltamisalaa olisi tarkasteltava uudelleen kolmen vuoden kuluttua sen voimaantulosta, jotta voidaan arvioida, olisiko direktiivin soveltamisalaan sisällytettävä sellaiset maksut, joissa vain yksi maksutapahtumaan osallistuvista osapuolista on sijoittautunut EU:hun tai jotka ovat jonkin muun kuin EU:n jäsenvaltioiden valuuttojen määräisiä.
Lopuksi toteaisin, että Euroopan unionin kansalaiset ja yritykset tarvitsevat nykyisin maksujen yhtenäismarkkinoita, joilla ulkomaanmaksut voidaan suorittaa yhtä nopeasti, tehokkaasti ja vaivattomasti kuin kotimaiset maksut. Tällä direktiivillä voidaan luoda markkinoille tarvittava oikeudellinen perusta yhtenäisen euromaksualueen toteuttamista varten ja uusi toiminnan vakautta koskeva kehys, joka lisää kilpailua."@fi7
".
Monsieur le Président, je voudrais tout d’abord remercier la commission des affaires économiques et monétaires, et en particulier le rapporteur, Jean-Paul Gauzès, pour leur excellent travail de préparation du rapport sur la proposition de directive concernant les services de paiement dans le marché intérieur. Je vous remercie également pour votre patience relativement au report de ce vote en plénière. Celui-ci a permis de ménager le délai nécessaire pour trouver un terrain d’entente entre les trois institutions.
Actuellement, les transactions de paiement sont régies par 27 ensembles de règles nationales différents. Bien que nous ayons l’euro, les marchés de paiement nationaux sont toujours fragmentés et, malheureusement, les paiements sont trop souvent lents et chers, et le service au consommateur médiocre. Cela rend la vie des citoyens et des entreprises plus difficile qu’elle ne devrait l’être. Cette situation retarde leurs activités quotidiennes et freine le développement de leurs affaires. Dans certains cas, des produits de paiement souhaitables, comme les débits directs, n’existent tout simplement pas. La directive vise à remédier à cette situation de deux façons: d’une part, en apportant une plus grande sécurité juridique et en améliorant la protection des consommateurs et, d’autre part, en ouvrant le marché des paiements à une plus large concurrence, afin de stimuler l’efficacité et l’innovation.
La directive garantit une plus grande sécurité juridique en instaurant un ensemble harmonisé de droits et d’obligations applicables aux utilisateurs et aux prestataires, ainsi que des exigences claires en matière d’information. Ces deux éléments sont essentiels à l’établissement d’un marché intégré des paiements dans l’UE, dont le cœur sera le SEPA, l’espace unique de paiement en euros. Le SEPA est une initiative du secteur bancaire fortement soutenue par les institutions européennes. Le SEPA permettra la création d’un marché intégré facilitant une exécution plus rapide et plus facile des paiements à l’intérieur de l’Union européenne. L’efficacité de nos systèmes de paiement devrait s’en trouver renforcée et le coût des paiements réduit pour l’ensemble de l’économie. L’adoption de la directive proposée est donc cruciale pour la réussite du lancement du SEPA.
Mais le tableau ne serait pas complet sans l’autre objectif de la directive, à savoir favoriser une plus grande concurrence des marchés de paiement moyennant l’établissement d’un cadre prudentiel approprié et équilibré pour les nouveaux intervenants. Les nouveaux établissements de paiement, comme les expéditeurs de fonds, les opérateurs mobiles et les détaillants, devraient agir en tant que stimulants de l’innovation.
Au fil de ces longs mois de négociation, le Conseil et la Commission ont tenu précisément compte des avis exprimés dans le rapport adopté par la commission des affaires économiques et monétaires en septembre dernier. Le texte de compromis, qui est maintenant déposé sous la forme de l’amendement 286, vise par conséquent à atteindre ces objectifs et appelle, notamment, à un cadre prudentiel renforcé pour les nouveaux établissements de paiement. Outre les exigences prudentielles qualitatives déjà proposées par la Commission, ces nouveaux établissements seront désormais soumis à un régime de charges de capital approprié et équilibré - initial et permanent - et les établissements hybrides, comme les détaillants ou les opérateurs de télécommunications, devront également satisfaire à des exigences de protection telles que le cantonnement.
Le champ d’application de la directive sera limité aux paiements qui ont été à la fois initiés dans l’Union européenne et sont à destination de celle-ci. Toutefois, il importe de ne pas oublier les transactions de paiement impliquant des pays tiers ou des monnaies non européennes. Les consommateurs attendent, à juste titre, des dispositions qui les protègent contre le vol, la perte ou le détournement des instruments de paiement et applicables indépendamment du fait que l’utilisation illégale ait lieu dans, ou hors de l’Union européenne. La performance, la qualité et le prix des paiements à destination de pays tiers devraient également être améliorés. Les consommateurs de l’UE transfèrent des montants considérables de fonds vers les pays tiers, souvent pour aider leurs familles. Les coûts de ces paiements peuvent être très élevés. Par conséquent, après trois ans de mise en application, le champ d’application de la directive devrait être révisé pour évaluer si les paiements mixtes - où seule l’une des parties impliquées est localisée dans l’UE - ou les paiements en monnaie non européenne, devraient être inclus.
En conclusion: les entreprises et les citoyens européens d’aujourd’hui ont besoin d’un marché unique des paiements, où les paiements peuvent être exécutés aussi rapidement, efficacement et facilement que les paiements domestiques. Cette directive peut doter le marché de la base juridique nécessaire au SEPA et d’un nouveau cadre prudentiel favorisant une nouvelle concurrence."@fr8
"Mr President, firstly I would like to thank the Committee on Economic and Monetary Affairs, and in particular the rapporteur, Jean-Paul Gauzès, for their excellent work in preparing the report on the directive on payment services in the internal market. I also thank you for your patience regarding the deferral of this plenary vote. This has provided the time needed to find common ground between the three institutions.
Currently, 27 different sets of national rules apply to payment transactions. Although we have the euro, national payments markets continue to be fragmented and, sadly, all too often payments are slow and expensive and consumers poorly served. This makes life for our citizens and businesses more difficult than it should be. It holds up their daily activities and hinders their business development. In some cases, desirable payment products, such as direct debits, are simply not available. The directive aims to remedy this situation in two main ways: on the one hand, by providing greater legal certainty and improved consumer protection, and, on the other hand, by opening up the payments market to more competition to encourage greater efficiency and innovation.
The directive provides greater legal certainty by establishing a harmonised set of rights and obligations for users and providers, as well as clear information requirements. Both are essential to an integrated EU payments market, at the heart of which is SEPA, the Single European Payments Area. SEPA is an industry initiative strongly supported by the European institutions. SEPA will allow for the creation of an integrated market, enabling payments to be executed more quickly and easily throughout the European Union. The efficiency of our payments systems should be enhanced and the cost of payments to the economy as a whole reduced. Adoption of the proposed directive is therefore crucial for the successful launch of SEPA.
But the picture would not be complete without the other objective of the directive, namely that of fostering more competition in payments markets through the establishment of an appropriate and balanced prudential framework for new entrants. New payment institutions, such as money remitters, mobile operators and retailers, should act as a spur to innovation.
Throughout these long months of negotiation, both the Council and the Commission have been very aware of the views set out in the report adopted by the Economic and Monetary Affairs Committee last September. The compromise text, which is now on the table as Amendment 286, therefore seeks to meet these objectives and, in particular, calls for a strengthened prudential framework for the new payment institutions. In addition to the qualitative prudential requirements already proposed by the Commission, these new institutions will now be subject to a regime of appropriate and balanced capital charges – both initial and ongoing, and hybrid institutions, such as retailers or telecom companies, must also meet safeguarding requirements such as ring-fencing.
The directive’s scope will be limited to payments that both originate and end in the European Union. It is, however, important not to forget about payment transactions involving non-EU Member States or non-EU currencies. Consumers rightly expect the provisions protecting them with regard to theft, loss or misappropriation of payment instruments to apply irrespective of whether non-authorised use takes place inside or outside the European Union. Performance, quality and price of payments made towards third countries should also improve. EU consumers transfer considerable amounts of funds to third countries, often to support their families. The costs of such payments can be very high. Therefore, after three years of operation, the scope of the directive should be reviewed in order to assess whether ‘one-leg payments’, where only one of the parties involved is in the EU, or payments in non-EU currencies, should be included.
Let me conclude: European citizens and businesses today need a single payments market, in which payments can be made as quickly, efficiently and conveniently as domestic payments. This directive can provide the market with the necessary legal foundation for SEPA and with a new prudential framework fostering new competition."@hu11
"Signor Presidente, prima di tutto ringrazio la commissione per i problemi economici e monetari e, in particolare, il relatore, onorevole Jean-Paul Gauzès, per l’eccellente lavoro svolto nella stesura della relazione sulla direttiva relativa ai servizi di pagamento nel mercato interno. Vi ringrazio altresì per la pazienza dimostrata in occasione del rinvio del voto in plenaria. In questo modo, infatti, abbiamo avuto il tempo di trovare un terreno comune tra le tre Istituzioni.
Attualmente vigono 27 normative nazionali diverse in materia di transazioni di pagamento. Pur avendo l’euro, i mercati nazionali dei pagamenti permangono frammentati e, purtroppo, troppo spesso i pagamenti sono lenti e costosi, mentre il servizio ai consumatori è assai carente. Di conseguenza, la vita dei cittadini e delle imprese è ben più difficile di quanto potrebbe essere. Le attività ordinarie vengono bloccate e lo sviluppo delle imprese risulta frenato. Talvolta non esiste nemmeno la possibilità di usufruire di prodotti di pagamento appropriati, quali gli addebiti diretti. La direttiva è volta a porre rimedio a tale situazione principalmente agendo su due fronti: da un lato, conferisce maggiore certezza giuridica e intensifica la protezione dei consumatori e, dall’altro, apre i mercati dei pagamenti a una maggiore concorrenza allo scopo di favorire più efficienza e più innovazione.
La direttiva intensifica la certezza giuridica, istituendo una serie di norme armonizzate sui diritti e sugli obblighi per gli utenti e i fornitori, nonché requisiti chiari in materia di informazione. Sono questi i due fattori essenziali per un mercato comunitario integrato dei pagamenti, al cui centro si pone la SEPA, l’area di pagamento unica in euro. La SEPA si configura come un’iniziativa dell’industria che è fortemente sostenuta dalle Istituzioni europee. Tale area consentirà la creazione di un mercato integrato in cui i pagamenti saranno eseguiti in maniera più facile e veloce in tutta l’Unione europea. L’efficienza dei nostri sistemi di pagamento deve infatti essere incrementata, mentre vanno ridotti i costi dei pagamenti che si ripercuotono sull’intera economia. L’adozione della direttiva proposta è quindi fondamentale per assicurare il successo al varo della SEPA.
Ma il quadro non sarebbe completo senza l’altro obiettivo della direttiva, ossia l’incentivo a una maggiore concorrenza nei mercati dei pagamenti attraverso l’istituzione di un quadro prudenziale appropriato e calibrato per i nuovi arrivati. I nuovi istituti di pagamento, come i servizi di rimessa di denaro, gli operatori di telefonia mobile e i commercianti, devono fungere da sprone all’innovazione.
Nel corso di questi lunghi mesi di negoziati sia il Consiglio che la Commissione hanno tenuto presente le posizioni racchiuse nella relazione che la commissione per i problemi economici e monetari ha approvato lo scorso settembre. Il testo di compromesso, che ora è in discussione sotto forma di emendamento n. 286, punta infatti a conseguire siffatti obiettivi e, in particolare, chiede il rafforzamento del quadro prudenziale per i nuovi istituti di pagamento. Oltre ai requisiti prudenziali qualitativi già proposti dalla Commissione, queste nuove istituzioni ora saranno soggette a un regime patrimoniale appropriato e bilanciato – sia in termini di capitale iniziale che operativo, mentre le istituzioni ibride, quali i commercianti o le società di telecomunicazioni, dovranno anch’esse ottemperare a norme di salvaguardia come la separazione dei fondi.
Il campo d’azione della direttiva si limita ai pagamenti che traggono origine e che si concludono nell’Unione europea. Tuttavia, è importante non dimenticare le transazioni di pagamento che interessano i paesi terzi e le valute extracomunitarie. I consumatori giustamente si aspettano che le disposizioni a loro tutela in materia di furto, smarrimento o appropriazione indebita degli strumenti di pagamento si applichino a prescindere dal fatto che l’uso non autorizzato avvenga all’interno o al di fuori dell’Unione europea. Appare infatti opportuno migliorare anche l’operatività, la qualità e il prezzo dei pagamenti effettuati verso paesi terzi. I consumatori comunitari trasferiscono importi ragguardevoli verso paesi terzi, spesso per mantenere le loro famiglie, e il costo di tali operazioni può essere molto elevato. Pertanto, dopo tre anni, il campo d’azione della direttiva dovrebbe essere rivisto per valutare l’opportunità di inserire i cosiddetti pagamenti
in cui solo una delle parti interessate è localizzata nell’UE, e i pagamenti in valute extracomunitarie.
Per concludere, i cittadini e le imprese europee oggi hanno bisogno di un mercato unico dei pagamenti in cui i pagamenti possano essere effettuati in maniera spedita, efficiente e conveniente alla stessa stregua dei pagamenti nazionali. Questa direttiva può dotare il mercato del necessario fondamento giuridico per la SEPA e di un quadro prudenziale atto a favorire una nuova concorrenza."@it12
"Mr President, firstly I would like to thank the Committee on Economic and Monetary Affairs, and in particular the rapporteur, Jean-Paul Gauzès, for their excellent work in preparing the report on the directive on payment services in the internal market. I also thank you for your patience regarding the deferral of this plenary vote. This has provided the time needed to find common ground between the three institutions.
Currently, 27 different sets of national rules apply to payment transactions. Although we have the euro, national payments markets continue to be fragmented and, sadly, all too often payments are slow and expensive and consumers poorly served. This makes life for our citizens and businesses more difficult than it should be. It holds up their daily activities and hinders their business development. In some cases, desirable payment products, such as direct debits, are simply not available. The directive aims to remedy this situation in two main ways: on the one hand, by providing greater legal certainty and improved consumer protection, and, on the other hand, by opening up the payments market to more competition to encourage greater efficiency and innovation.
The directive provides greater legal certainty by establishing a harmonised set of rights and obligations for users and providers, as well as clear information requirements. Both are essential to an integrated EU payments market, at the heart of which is SEPA, the Single European Payments Area. SEPA is an industry initiative strongly supported by the European institutions. SEPA will allow for the creation of an integrated market, enabling payments to be executed more quickly and easily throughout the European Union. The efficiency of our payments systems should be enhanced and the cost of payments to the economy as a whole reduced. Adoption of the proposed directive is therefore crucial for the successful launch of SEPA.
But the picture would not be complete without the other objective of the directive, namely that of fostering more competition in payments markets through the establishment of an appropriate and balanced prudential framework for new entrants. New payment institutions, such as money remitters, mobile operators and retailers, should act as a spur to innovation.
Throughout these long months of negotiation, both the Council and the Commission have been very aware of the views set out in the report adopted by the Economic and Monetary Affairs Committee last September. The compromise text, which is now on the table as Amendment 286, therefore seeks to meet these objectives and, in particular, calls for a strengthened prudential framework for the new payment institutions. In addition to the qualitative prudential requirements already proposed by the Commission, these new institutions will now be subject to a regime of appropriate and balanced capital charges – both initial and ongoing, and hybrid institutions, such as retailers or telecom companies, must also meet safeguarding requirements such as ring-fencing.
The directive’s scope will be limited to payments that both originate and end in the European Union. It is, however, important not to forget about payment transactions involving non-EU Member States or non-EU currencies. Consumers rightly expect the provisions protecting them with regard to theft, loss or misappropriation of payment instruments to apply irrespective of whether non-authorised use takes place inside or outside the European Union. Performance, quality and price of payments made towards third countries should also improve. EU consumers transfer considerable amounts of funds to third countries, often to support their families. The costs of such payments can be very high. Therefore, after three years of operation, the scope of the directive should be reviewed in order to assess whether ‘one-leg payments’, where only one of the parties involved is in the EU, or payments in non-EU currencies, should be included.
Let me conclude: European citizens and businesses today need a single payments market, in which payments can be made as quickly, efficiently and conveniently as domestic payments. This directive can provide the market with the necessary legal foundation for SEPA and with a new prudential framework fostering new competition."@lt14
"Mr President, firstly I would like to thank the Committee on Economic and Monetary Affairs, and in particular the rapporteur, Jean-Paul Gauzès, for their excellent work in preparing the report on the directive on payment services in the internal market. I also thank you for your patience regarding the deferral of this plenary vote. This has provided the time needed to find common ground between the three institutions.
Currently, 27 different sets of national rules apply to payment transactions. Although we have the euro, national payments markets continue to be fragmented and, sadly, all too often payments are slow and expensive and consumers poorly served. This makes life for our citizens and businesses more difficult than it should be. It holds up their daily activities and hinders their business development. In some cases, desirable payment products, such as direct debits, are simply not available. The directive aims to remedy this situation in two main ways: on the one hand, by providing greater legal certainty and improved consumer protection, and, on the other hand, by opening up the payments market to more competition to encourage greater efficiency and innovation.
The directive provides greater legal certainty by establishing a harmonised set of rights and obligations for users and providers, as well as clear information requirements. Both are essential to an integrated EU payments market, at the heart of which is SEPA, the Single European Payments Area. SEPA is an industry initiative strongly supported by the European institutions. SEPA will allow for the creation of an integrated market, enabling payments to be executed more quickly and easily throughout the European Union. The efficiency of our payments systems should be enhanced and the cost of payments to the economy as a whole reduced. Adoption of the proposed directive is therefore crucial for the successful launch of SEPA.
But the picture would not be complete without the other objective of the directive, namely that of fostering more competition in payments markets through the establishment of an appropriate and balanced prudential framework for new entrants. New payment institutions, such as money remitters, mobile operators and retailers, should act as a spur to innovation.
Throughout these long months of negotiation, both the Council and the Commission have been very aware of the views set out in the report adopted by the Economic and Monetary Affairs Committee last September. The compromise text, which is now on the table as Amendment 286, therefore seeks to meet these objectives and, in particular, calls for a strengthened prudential framework for the new payment institutions. In addition to the qualitative prudential requirements already proposed by the Commission, these new institutions will now be subject to a regime of appropriate and balanced capital charges – both initial and ongoing, and hybrid institutions, such as retailers or telecom companies, must also meet safeguarding requirements such as ring-fencing.
The directive’s scope will be limited to payments that both originate and end in the European Union. It is, however, important not to forget about payment transactions involving non-EU Member States or non-EU currencies. Consumers rightly expect the provisions protecting them with regard to theft, loss or misappropriation of payment instruments to apply irrespective of whether non-authorised use takes place inside or outside the European Union. Performance, quality and price of payments made towards third countries should also improve. EU consumers transfer considerable amounts of funds to third countries, often to support their families. The costs of such payments can be very high. Therefore, after three years of operation, the scope of the directive should be reviewed in order to assess whether ‘one-leg payments’, where only one of the parties involved is in the EU, or payments in non-EU currencies, should be included.
Let me conclude: European citizens and businesses today need a single payments market, in which payments can be made as quickly, efficiently and conveniently as domestic payments. This directive can provide the market with the necessary legal foundation for SEPA and with a new prudential framework fostering new competition."@lv13
"Mr President, firstly I would like to thank the Committee on Economic and Monetary Affairs, and in particular the rapporteur, Jean-Paul Gauzès, for their excellent work in preparing the report on the directive on payment services in the internal market. I also thank you for your patience regarding the deferral of this plenary vote. This has provided the time needed to find common ground between the three institutions.
Currently, 27 different sets of national rules apply to payment transactions. Although we have the euro, national payments markets continue to be fragmented and, sadly, all too often payments are slow and expensive and consumers poorly served. This makes life for our citizens and businesses more difficult than it should be. It holds up their daily activities and hinders their business development. In some cases, desirable payment products, such as direct debits, are simply not available. The directive aims to remedy this situation in two main ways: on the one hand, by providing greater legal certainty and improved consumer protection, and, on the other hand, by opening up the payments market to more competition to encourage greater efficiency and innovation.
The directive provides greater legal certainty by establishing a harmonised set of rights and obligations for users and providers, as well as clear information requirements. Both are essential to an integrated EU payments market, at the heart of which is SEPA, the Single European Payments Area. SEPA is an industry initiative strongly supported by the European institutions. SEPA will allow for the creation of an integrated market, enabling payments to be executed more quickly and easily throughout the European Union. The efficiency of our payments systems should be enhanced and the cost of payments to the economy as a whole reduced. Adoption of the proposed directive is therefore crucial for the successful launch of SEPA.
But the picture would not be complete without the other objective of the directive, namely that of fostering more competition in payments markets through the establishment of an appropriate and balanced prudential framework for new entrants. New payment institutions, such as money remitters, mobile operators and retailers, should act as a spur to innovation.
Throughout these long months of negotiation, both the Council and the Commission have been very aware of the views set out in the report adopted by the Economic and Monetary Affairs Committee last September. The compromise text, which is now on the table as Amendment 286, therefore seeks to meet these objectives and, in particular, calls for a strengthened prudential framework for the new payment institutions. In addition to the qualitative prudential requirements already proposed by the Commission, these new institutions will now be subject to a regime of appropriate and balanced capital charges – both initial and ongoing, and hybrid institutions, such as retailers or telecom companies, must also meet safeguarding requirements such as ring-fencing.
The directive’s scope will be limited to payments that both originate and end in the European Union. It is, however, important not to forget about payment transactions involving non-EU Member States or non-EU currencies. Consumers rightly expect the provisions protecting them with regard to theft, loss or misappropriation of payment instruments to apply irrespective of whether non-authorised use takes place inside or outside the European Union. Performance, quality and price of payments made towards third countries should also improve. EU consumers transfer considerable amounts of funds to third countries, often to support their families. The costs of such payments can be very high. Therefore, after three years of operation, the scope of the directive should be reviewed in order to assess whether ‘one-leg payments’, where only one of the parties involved is in the EU, or payments in non-EU currencies, should be included.
Let me conclude: European citizens and businesses today need a single payments market, in which payments can be made as quickly, efficiently and conveniently as domestic payments. This directive can provide the market with the necessary legal foundation for SEPA and with a new prudential framework fostering new competition."@mt15
"Mijnheer de Voorzitter, om te beginnen dank ik de Commissie economische en monetaire zaken, en in het bijzonder de rapporteur, Jean-Paul Gauzès, voor het voortreffelijke werk inzake het verslag over de richtlijn betreffende betalingsdiensten in de interne markt. Ook dank ik u voor uw geduld in verband met het uitstel van deze plenaire stemming. Door de extra tijd was het mogelijk om te achterhalen welke standpunten de drie instellingen delen.
Momenteel gelden er 27 verschillende nationale reglementen voor betalingstransacties. Ondanks de euro zijn de nationale betaalmarkten nog steeds versnipperd en helaas zijn betalingen maar al te vaak traag en duur en wordt de consument slecht bediend. Dit maakt het leven voor onze burgers en bedrijven onnodig ingewikkeld. Het belemmert ze in hun dagelijkse activiteiten en de ontwikkeling van bedrijfsactiviteiten. In sommige gevallen zijn wenselijke betalingsproducten, zoals automatische afschrijvingen, gewoon niet beschikbaar. De richtlijn is bedoeld om op twee belangrijke manieren iets aan deze situatie te doen: enerzijds door grotere rechtszekerheid en consumentenbescherming te bieden en anderzijds door de betaalmarkt meer voor concurrentie open te stellen om een grotere doelmatigheid en vernieuwing te stimuleren.
De richtlijn biedt grotere rechtszekerheid door middel van een reeks geharmoniseerde rechten en plichten voor gebruikers en aanbieders en duidelijke informatievereisten. Beide zijn van essentieel belang voor een geïntegreerde Europese betaalmarkt, waarbij de SEPA, de
(eengemaakte eurobetalingsruimte), centraal staat. De SEPA is een initiatief van de industrie dat veel steun van de Europese instellingen krijgt. Dankzij de SEPA ontstaat er een geïntegreerde markt waar betalingen in de hele Europese Unie sneller en eenvoudig kunnen worden uitgevoerd. De doelmatigheid van onze betalingssystemen moet worden verbeterd en de kosten die betalingen voor de economie als geheel met zich meebrengen moeten omlaag. Daarom is aanneming van de voorgestelde richtlijn cruciaal voor een succesvolle lancering van de SEPA.
Maar het plaatje is niet compleet zonder de andere doelstelling van de richtlijn, namelijk concurrentie op de betaalmarkten bevorderen door middel van een passend en uitgebalanceerd prudentieel kader voor nieuwkomers op de markt. Nieuwe betalingsinstellingen, zoals geldtransactiekantoren, mobiele telefoonaanbieders en de detailhandel, moeten innovatie stimuleren.
De Raad en de Commissie zijn zich al deze maanden van onderhandelingen terdege bewust geweest van de standpunten die zijn geformuleerd in het verslag dat de Commissie economische en monetaire zaken vorig jaar september heeft aangenomen. In de compromistekst, die nu als amendement 286 ter tafel ligt, wordt derhalve uitgegaan van deze doelstellingen en wordt met name gevraagd om een krachtiger prudentieel kader voor nieuwe betalingsinstellingen. Naast de kwalitatieve prudentiële vereisten die de Commissie al heeft voorgesteld, zullen deze nieuwe instellingen nu gebonden zijn aan een regeling met passende en uitgebalanceerde tarieven – zowel nieuwe als bestaande – en zullen hybride instellingen, zoals de detailhandel en telecombedrijven, ook moeten voldoen aan beschermingsvereisten zoals een bepaling over de beperking van een rechtsgevolg.
Het toepassingsgebied van de richtlijn zal beperkt blijven tot betalingen die in de Europese Unie worden ingeleid en eindigen. Maar we moeten ook denken aan betalingstransacties waarbij niet-EU-lidstaten of niet-EU-valuta betrokken zijn. Consumenten gaan er terecht vanuit dat regelingen ter bescherming tegen diefstal, verlies of verduistering van betalingsinstrumenten altijd gelden, of dit onrechtmatige gebruik zich nu binnen of buiten de Europese Unie afspeelt. De uitvoering, de kwaliteit en de prijs van betalingen naar derde landen moeten ook verbeteren. EU-consumenten boeken aanzienlijke geldbedragen over naar derde landen, vaak om hun familie te onderhouden. Met dergelijke betalingen zijn soms zeer hoge kosten gemoeid. Daarom moet het toepassingsgebied van de richtlijn na drie jaar worden geëvalueerd om te beoordelen of betalingen waarbij slechts een van de betrokken partijen zich in de EU bevindt – betalingen die maar met één been in de EU staan – en betalingen in non-EU-valuta ook in de richtlijn moeten worden opgenomen.
Tot slot: Europese burgers en bedrijven hebben tegenwoordig behoefte aan een communautaire betaalmarkt, waar betalingen net zo snel, doelmatig en eenvoudig kunnen worden gedaan als binnenlandse betalingen. Deze richtlijn biedt de markt de noodzakelijke rechtsgrond voor de SEPA en een nieuw prudentieel kader om nieuwe concurrentie te bevorderen."@nl3
"Mr President, firstly I would like to thank the Committee on Economic and Monetary Affairs, and in particular the rapporteur, Jean-Paul Gauzès, for their excellent work in preparing the report on the directive on payment services in the internal market. I also thank you for your patience regarding the deferral of this plenary vote. This has provided the time needed to find common ground between the three institutions.
Currently, 27 different sets of national rules apply to payment transactions. Although we have the euro, national payments markets continue to be fragmented and, sadly, all too often payments are slow and expensive and consumers poorly served. This makes life for our citizens and businesses more difficult than it should be. It holds up their daily activities and hinders their business development. In some cases, desirable payment products, such as direct debits, are simply not available. The directive aims to remedy this situation in two main ways: on the one hand, by providing greater legal certainty and improved consumer protection, and, on the other hand, by opening up the payments market to more competition to encourage greater efficiency and innovation.
The directive provides greater legal certainty by establishing a harmonised set of rights and obligations for users and providers, as well as clear information requirements. Both are essential to an integrated EU payments market, at the heart of which is SEPA, the Single European Payments Area. SEPA is an industry initiative strongly supported by the European institutions. SEPA will allow for the creation of an integrated market, enabling payments to be executed more quickly and easily throughout the European Union. The efficiency of our payments systems should be enhanced and the cost of payments to the economy as a whole reduced. Adoption of the proposed directive is therefore crucial for the successful launch of SEPA.
But the picture would not be complete without the other objective of the directive, namely that of fostering more competition in payments markets through the establishment of an appropriate and balanced prudential framework for new entrants. New payment institutions, such as money remitters, mobile operators and retailers, should act as a spur to innovation.
Throughout these long months of negotiation, both the Council and the Commission have been very aware of the views set out in the report adopted by the Economic and Monetary Affairs Committee last September. The compromise text, which is now on the table as Amendment 286, therefore seeks to meet these objectives and, in particular, calls for a strengthened prudential framework for the new payment institutions. In addition to the qualitative prudential requirements already proposed by the Commission, these new institutions will now be subject to a regime of appropriate and balanced capital charges – both initial and ongoing, and hybrid institutions, such as retailers or telecom companies, must also meet safeguarding requirements such as ring-fencing.
The directive’s scope will be limited to payments that both originate and end in the European Union. It is, however, important not to forget about payment transactions involving non-EU Member States or non-EU currencies. Consumers rightly expect the provisions protecting them with regard to theft, loss or misappropriation of payment instruments to apply irrespective of whether non-authorised use takes place inside or outside the European Union. Performance, quality and price of payments made towards third countries should also improve. EU consumers transfer considerable amounts of funds to third countries, often to support their families. The costs of such payments can be very high. Therefore, after three years of operation, the scope of the directive should be reviewed in order to assess whether ‘one-leg payments’, where only one of the parties involved is in the EU, or payments in non-EU currencies, should be included.
Let me conclude: European citizens and businesses today need a single payments market, in which payments can be made as quickly, efficiently and conveniently as domestic payments. This directive can provide the market with the necessary legal foundation for SEPA and with a new prudential framework fostering new competition."@pl16
"Senhor Presidente, queria começar por agradecer à Comissão dos Assuntos Económicos e Monetários e em particular ao relator, Jean-Paul Gauzès, pelo excelente trabalho que fez na elaboração do relatório sobre a directiva relativa aos serviços de pagamento no mercado interno. Agradeço ainda a vossa paciência no que diz respeito ao adiamento da votação em plenário. Ele proporcionou o tempo necessário para se chegar a um consenso entre as três instituições.
Actualmente, os pagamentos das transacções regem-se por 27 complexos de normas nacionais diferentes. Apesar do euro, os pagamentos nacionais continuam fragmentados e, lamentavelmente, o processamento é, com demasiada frequência, lento e dispendioso e os consumidores são mal servidos. Isto torna a vida dos cidadãos e das empresas mais difícil do que devia ser. Tolhe-os nas suas actividades diárias e entrava o desenvolvimento económico. Nalguns casos, formas de pagamento desejáveis, como o débito directo, estão simplesmente indisponíveis. A directiva visa remediar esta situação de dois modos principais: por um lado, assegurando uma maior certeza jurídica e uma melhor protecção do consumidor e, por outro, aumentando a concorrência no mercado de pagamentos para incrementar a eficiência e a inovação.
A directiva reforça a certeza jurídica instituindo um corpo harmonizado de direitos e deveres para utilizadores e prestadores, assim como requisitos de informação claros. Ambos são essenciais a um mercado comunitário de pagamentos integrado, cujo fulcro é o SEPA, o espaço único de pagamentos em euros. O SEPA é uma iniciativa da indústria, fortemente apoiada pelas instituições europeias. O SEPA lançará as bases para a criação de um mercado integrado, que permitirá uma execução mais rápida e fácil dos pagamentos em toda a União Europeia. A eficiência dos nossos sistemas de pagamento deve ser reforçada e o custo dos pagamentos para a economia no seu todo reduzido. A adopção da directiva proposta é, pois, crucial para um lançamento bem sucedido do SEPA.
Mas o quadro ficaria incompleto sem o outro objectivo da directiva, que é o de fomentar o aumento da concorrência nos mercados de pagamentos mediante o estabelecimento de um enquadramento prudencial adequado e equilibrado aplicável a novos operadores. As novas instituições de pagamento, como instituições de envio de fundos, operadores de redes de telefonia móvel e retalhistas, devem actuar como um motor de inovação.
No decurso destes longos meses de negociação, o Conselho e a Comissão tiveram bem presentes os pontos de vista constantes do relatório adoptado pela Comissão dos Assuntos Económicos e Monetários em Setembro passado. O texto de compromisso, que se encontra agora em cima da mesa sob a forma de alteração 286, procura por conseguinte atingir os objectivos enunciados e propugna, em particular, um reforço do enquadramento prudencial das novas instituições de pagamentos. A par dos requisitos prudenciais qualitativos já propostos pela Comissão, essas novas instituições passarão agora a estar sujeitas a um regime apropriado e equilibrado em matéria de fundos próprios – quer iniciais quer permanentes, e as instituições híbridas, como os retalhistas ou as companhias de telecomunicações, têm igualmente de preencher requisitos de salvaguarda, como a separação das contas de pagamento em relação a outros fundos.
A directiva será exclusivamente aplicável a pagamentos feitos a partir da União Europeia e para a própria União Europeia. Importa, porém, não esquecer os pagamentos de transacções que envolvem Estados não pertencentes à UE ou moedas não comunitárias. Os consumidores esperam legitimamente que as disposições destinadas a protegê-los em caso de roubo, perda ou apropriação abusiva de meios de pagamento sejam aplicáveis independentemente da circunstância de o uso não autorizado dos mesmos ter lugar no território comunitário ou fora dele. O desempenho, a qualidade e o preço dos pagamentos efectuados para países terceiros devem igualmente ser melhorados. Os consumidores da UE transferem verbas consideráveis para países terceiros, que se destinam amiúde ao sustento das suas famílias. Os encargos dessas operações são por vezes muito avultados. Assim, ao fim de três anos de aplicação, a questão do âmbito da directiva deve ser reapreciada, para se avaliar se serão de incluir nele as operações de pagamento em que apenas uma das partes envolvidas se localiza na UE, ou os pagamentos em moedas não comunitárias.
Permitam-me que conclua: os cidadãos e as empresas da Europa precisam hoje de um mercado único de pagamentos, em que os pagamentos possam ser efectuados de forma tão rápida, eficiente e prática como os pagamentos domésticos. Esta directiva pode dotar o mercado da base legal necessária para o SEPA e de um novo enquadramento prudencial que gere mais concorrência."@pt17
"Mr President, firstly I would like to thank the Committee on Economic and Monetary Affairs, and in particular the rapporteur, Jean-Paul Gauzès, for their excellent work in preparing the report on the directive on payment services in the internal market. I also thank you for your patience regarding the deferral of this plenary vote. This has provided the time needed to find common ground between the three institutions.
Currently, 27 different sets of national rules apply to payment transactions. Although we have the euro, national payments markets continue to be fragmented and, sadly, all too often payments are slow and expensive and consumers poorly served. This makes life for our citizens and businesses more difficult than it should be. It holds up their daily activities and hinders their business development. In some cases, desirable payment products, such as direct debits, are simply not available. The directive aims to remedy this situation in two main ways: on the one hand, by providing greater legal certainty and improved consumer protection, and, on the other hand, by opening up the payments market to more competition to encourage greater efficiency and innovation.
The directive provides greater legal certainty by establishing a harmonised set of rights and obligations for users and providers, as well as clear information requirements. Both are essential to an integrated EU payments market, at the heart of which is SEPA, the Single European Payments Area. SEPA is an industry initiative strongly supported by the European institutions. SEPA will allow for the creation of an integrated market, enabling payments to be executed more quickly and easily throughout the European Union. The efficiency of our payments systems should be enhanced and the cost of payments to the economy as a whole reduced. Adoption of the proposed directive is therefore crucial for the successful launch of SEPA.
But the picture would not be complete without the other objective of the directive, namely that of fostering more competition in payments markets through the establishment of an appropriate and balanced prudential framework for new entrants. New payment institutions, such as money remitters, mobile operators and retailers, should act as a spur to innovation.
Throughout these long months of negotiation, both the Council and the Commission have been very aware of the views set out in the report adopted by the Economic and Monetary Affairs Committee last September. The compromise text, which is now on the table as Amendment 286, therefore seeks to meet these objectives and, in particular, calls for a strengthened prudential framework for the new payment institutions. In addition to the qualitative prudential requirements already proposed by the Commission, these new institutions will now be subject to a regime of appropriate and balanced capital charges – both initial and ongoing, and hybrid institutions, such as retailers or telecom companies, must also meet safeguarding requirements such as ring-fencing.
The directive’s scope will be limited to payments that both originate and end in the European Union. It is, however, important not to forget about payment transactions involving non-EU Member States or non-EU currencies. Consumers rightly expect the provisions protecting them with regard to theft, loss or misappropriation of payment instruments to apply irrespective of whether non-authorised use takes place inside or outside the European Union. Performance, quality and price of payments made towards third countries should also improve. EU consumers transfer considerable amounts of funds to third countries, often to support their families. The costs of such payments can be very high. Therefore, after three years of operation, the scope of the directive should be reviewed in order to assess whether ‘one-leg payments’, where only one of the parties involved is in the EU, or payments in non-EU currencies, should be included.
Let me conclude: European citizens and businesses today need a single payments market, in which payments can be made as quickly, efficiently and conveniently as domestic payments. This directive can provide the market with the necessary legal foundation for SEPA and with a new prudential framework fostering new competition."@ro18
"Mr President, firstly I would like to thank the Committee on Economic and Monetary Affairs, and in particular the rapporteur, Jean-Paul Gauzès, for their excellent work in preparing the report on the directive on payment services in the internal market. I also thank you for your patience regarding the deferral of this plenary vote. This has provided the time needed to find common ground between the three institutions.
Currently, 27 different sets of national rules apply to payment transactions. Although we have the euro, national payments markets continue to be fragmented and, sadly, all too often payments are slow and expensive and consumers poorly served. This makes life for our citizens and businesses more difficult than it should be. It holds up their daily activities and hinders their business development. In some cases, desirable payment products, such as direct debits, are simply not available. The directive aims to remedy this situation in two main ways: on the one hand, by providing greater legal certainty and improved consumer protection, and, on the other hand, by opening up the payments market to more competition to encourage greater efficiency and innovation.
The directive provides greater legal certainty by establishing a harmonised set of rights and obligations for users and providers, as well as clear information requirements. Both are essential to an integrated EU payments market, at the heart of which is SEPA, the Single European Payments Area. SEPA is an industry initiative strongly supported by the European institutions. SEPA will allow for the creation of an integrated market, enabling payments to be executed more quickly and easily throughout the European Union. The efficiency of our payments systems should be enhanced and the cost of payments to the economy as a whole reduced. Adoption of the proposed directive is therefore crucial for the successful launch of SEPA.
But the picture would not be complete without the other objective of the directive, namely that of fostering more competition in payments markets through the establishment of an appropriate and balanced prudential framework for new entrants. New payment institutions, such as money remitters, mobile operators and retailers, should act as a spur to innovation.
Throughout these long months of negotiation, both the Council and the Commission have been very aware of the views set out in the report adopted by the Economic and Monetary Affairs Committee last September. The compromise text, which is now on the table as Amendment 286, therefore seeks to meet these objectives and, in particular, calls for a strengthened prudential framework for the new payment institutions. In addition to the qualitative prudential requirements already proposed by the Commission, these new institutions will now be subject to a regime of appropriate and balanced capital charges – both initial and ongoing, and hybrid institutions, such as retailers or telecom companies, must also meet safeguarding requirements such as ring-fencing.
The directive’s scope will be limited to payments that both originate and end in the European Union. It is, however, important not to forget about payment transactions involving non-EU Member States or non-EU currencies. Consumers rightly expect the provisions protecting them with regard to theft, loss or misappropriation of payment instruments to apply irrespective of whether non-authorised use takes place inside or outside the European Union. Performance, quality and price of payments made towards third countries should also improve. EU consumers transfer considerable amounts of funds to third countries, often to support their families. The costs of such payments can be very high. Therefore, after three years of operation, the scope of the directive should be reviewed in order to assess whether ‘one-leg payments’, where only one of the parties involved is in the EU, or payments in non-EU currencies, should be included.
Let me conclude: European citizens and businesses today need a single payments market, in which payments can be made as quickly, efficiently and conveniently as domestic payments. This directive can provide the market with the necessary legal foundation for SEPA and with a new prudential framework fostering new competition."@sk19
"Mr President, firstly I would like to thank the Committee on Economic and Monetary Affairs, and in particular the rapporteur, Jean-Paul Gauzès, for their excellent work in preparing the report on the directive on payment services in the internal market. I also thank you for your patience regarding the deferral of this plenary vote. This has provided the time needed to find common ground between the three institutions.
Currently, 27 different sets of national rules apply to payment transactions. Although we have the euro, national payments markets continue to be fragmented and, sadly, all too often payments are slow and expensive and consumers poorly served. This makes life for our citizens and businesses more difficult than it should be. It holds up their daily activities and hinders their business development. In some cases, desirable payment products, such as direct debits, are simply not available. The directive aims to remedy this situation in two main ways: on the one hand, by providing greater legal certainty and improved consumer protection, and, on the other hand, by opening up the payments market to more competition to encourage greater efficiency and innovation.
The directive provides greater legal certainty by establishing a harmonised set of rights and obligations for users and providers, as well as clear information requirements. Both are essential to an integrated EU payments market, at the heart of which is SEPA, the Single European Payments Area. SEPA is an industry initiative strongly supported by the European institutions. SEPA will allow for the creation of an integrated market, enabling payments to be executed more quickly and easily throughout the European Union. The efficiency of our payments systems should be enhanced and the cost of payments to the economy as a whole reduced. Adoption of the proposed directive is therefore crucial for the successful launch of SEPA.
But the picture would not be complete without the other objective of the directive, namely that of fostering more competition in payments markets through the establishment of an appropriate and balanced prudential framework for new entrants. New payment institutions, such as money remitters, mobile operators and retailers, should act as a spur to innovation.
Throughout these long months of negotiation, both the Council and the Commission have been very aware of the views set out in the report adopted by the Economic and Monetary Affairs Committee last September. The compromise text, which is now on the table as Amendment 286, therefore seeks to meet these objectives and, in particular, calls for a strengthened prudential framework for the new payment institutions. In addition to the qualitative prudential requirements already proposed by the Commission, these new institutions will now be subject to a regime of appropriate and balanced capital charges – both initial and ongoing, and hybrid institutions, such as retailers or telecom companies, must also meet safeguarding requirements such as ring-fencing.
The directive’s scope will be limited to payments that both originate and end in the European Union. It is, however, important not to forget about payment transactions involving non-EU Member States or non-EU currencies. Consumers rightly expect the provisions protecting them with regard to theft, loss or misappropriation of payment instruments to apply irrespective of whether non-authorised use takes place inside or outside the European Union. Performance, quality and price of payments made towards third countries should also improve. EU consumers transfer considerable amounts of funds to third countries, often to support their families. The costs of such payments can be very high. Therefore, after three years of operation, the scope of the directive should be reviewed in order to assess whether ‘one-leg payments’, where only one of the parties involved is in the EU, or payments in non-EU currencies, should be included.
Let me conclude: European citizens and businesses today need a single payments market, in which payments can be made as quickly, efficiently and conveniently as domestic payments. This directive can provide the market with the necessary legal foundation for SEPA and with a new prudential framework fostering new competition."@sl20
"Herr talman! Först vill jag tacka utskottet för ekonomi och valutafrågor och särskilt föredraganden Jean-Paul Gauzès för deras utmärkta arbete med betänkandet om direktivet om betaltjänster på den inre marknaden. Jag vill också tacka er för ert tålamod med uppskjutandet av denna omröstning i plenum. Detta har gett den extra tid som har varit nödvändig för att finna en gemensam utgångspunkt för de tre institutionerna.
För närvarande tillämpas 27 olika system med nationella bestämmelser för betalningstransaktioner. Även om vi har euron är de nationella betalningsmarknaderna fortfarande splittrade och tyvärr är betalningarna alltför ofta långsamma och dyra och konsumenterna får dålig service. Detta gör livet för våra medborgare och företag svårare än det borde vara. Det bromsar deras dagliga verksamhet och hindrar utvecklingen av deras företag. I vissa fall är önskvärda betalningsprodukter helt enkelt inte tillgängliga, som till exempel direkta debiteringar. Syftet med direktivet är att avhjälpa denna situation på framför allt två sätt: å ena sidan genom att erbjuda större rättssäkerhet och bättre konsumentskydd och å andra sidan genom att öppna betalningsmarknaderna för mer konkurrens och uppmuntra till större effektivitet och mer innovation.
Direktivet leder till större rättssäkerhet genom att en harmoniserad uppsättning rättigheter och skyldigheter för användare och tillhandahållare av betaltjänster införs och även genom tydliga krav på information. Båda delarna är viktiga för en integrerad EU-betalningsmarknad där själva kärnan är det gemensamma eurobetalningsområdet (SEPA). SEPA är ett näringslivsinitiativ som har ett starkt stöd från EU-institutionerna. SEPA kommer att bidra till att skapa en integrerad marknad eftersom det möjliggör att betalningar kan utföras snabbare och lättare i hela EU. Effektiviteten hos våra betalningssystem bör höjas och de kostnader som betalningarna innebär för ekonomin som helhet bör minskas. Det är därför mycket viktigt att det föreslagna direktivet antas, så att SEPA kan genomföras framgångsrikt.
Men bilden skulle inte vara fullständig utan direktivets andra syfte, nämligen att främja större konkurrens på betalningsmarknaderna genom att inrätta ett lämpligt, välavvägt och väl genomtänkt regelverk för nya aktörer. Nya betalningsinstitut som till exempel betalningsförmedlare, mobiloperatörer och betalningsinstitut som förmedlar mindre belopp bör genom sin verksamhet sporra till innovation.
Under alla dessa långa månader av förhandlingar har både rådet och kommissionen varit mycket medvetna om åsikterna i det betänkande som utskottet för ekonomi och valutafrågor antog i september i fjol. I den kompromisstext som nu föreligger i form av ändringsförslag 286 försöker man därför nå dessa mål och kräver särskilt ett förstärkt, väl genomtänkt regelverk för de nya betalningsinstituten. Förutom de kvalitativa, väl genomtänkta förslag som redan har föreslagits av kommissionen, kommer dessa nya betalningsinstitut nu att vara underkastade ett system med lämpliga och välavvägda kapitalkrav – både i inledningsskedet och under pågående verksamhet – och hybridinstitut som förmedlare av mindre belopp och telekomföretag måste också uppfylla säkerhetskrav som till exempel öronmärkning.
Direktivets räckvidd kommer att begränsas till betalningar som har både avsändare och mottagare i EU. Men det är viktigt att inte glömma betalningstransaktioner som berör stater utanför EU eller andra valutor än de som förekommer i EU. Konsumenterna förväntar sig med all rätt att de bestämmelser som skyddar dem mot stöld, förlust eller förskingring av betalningsinstrument ska gälla oavsett om icke auktoriserad användning äger rum inom eller utanför EU. Utförandet av betalningar till tredjeländer liksom kvaliteten och priset på dessa betalningar bör också förbättras. EU:s konsumenter överför betydande summor till tredjeländer, ofta för att hjälpa sina familjer. Kostnaderna för sådana betalningar kan vara mycket höga. När direktivet har varit i kraft i tre år bör man därför göra en översyn av dess räckvidd för att bedöma om det även ska omfatta betalningar i en riktning där bara en av de berörda parterna finns i EU eller betalningar i andra valutor än de som förekommer i EU.
Låt mig avslutningsvis säga att EU:s medborgare och företag i dag behöver en enhetlig betalningsmarknad där betalningarna kan utföras lika snabbt, effektivt och bekvämt som betalningar inom de olika medlemsländerna. Detta direktiv kan ge marknaden den nödvändiga rättsliga grunden för SEPA och ett nytt, väl genomtänkt regelverk som främjar ny konkurrens."@sv22
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