Local view for "http://purl.org/linkedpolitics/eu/plenary/2012-07-04-Speech-3-411-000"
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"en.20120704.25.3-411-000"2
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".
Access to basic payment services is one of the preconditions for consumers to benefit from the internal market, notably from freedom of movement, money transfer and the purchase of goods and services at reasonable transaction costs. Basic payment services are essential for consumers to reap the benefits of e-commerce. Similarly, access to basic payment services is increasingly becoming a prerequisite for social inclusion in terms of access to employment, healthcare and housing. Not all Member States have taken adequate action as required by the Commission in its recommendations on access to a basic payment account, and too many Member States still have no legal or voluntary rules for providers requiring them to offer basic payment services. In order to be effective, in my opinion, it must be easy to open a basic payment account (free of charge or for a reasonable fee) so that a specified range of core services can be provided. Last but not least, the legislation on the fight against money laundering and the financing of terrorism should be applied in a proportional manner and should never be used as an unfounded pretext for rejecting commercially less attractive consumers. Often it is the existing requirements of payment service providers regarding the opening basic payment accounts that are restrictive and may hinder cross-border mobility within the EU."@en1
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