Payment Services Directive 2 (PSD2)

Official name

DIRECTIVE (EU) 2015/2366 OF THE EUROPEAN PARLIAMENT AND OF THE COUNCIL of 25 November 2015 on payment services in the internal market, amending Directives 2002/65/EC, 2009/110/EC and 2013/36/EU and Regulation (EU) No 1093/2010, and repealing Directive 2007/64/EC (PSD2)

Type

Directive

Level 1

Initiator

Submitted

24.07.2013

Doc. code

2015/2366

Summary

Status

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Current version

Final version

25.11.2015

Next step

Entry into force

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Application date

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Scope

Relevant for

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Level 1

Payment Services Supervision Act (Zahlungsdiensteaufsichtsgesetz - ZAG) and implementation of PSD2 (binding, Main version, Amendment, DE)

DORA Directive (binding, Amendment, EU)

E-Money Directive (EMD 2) (binding, Main version, EU)

Payment Services Directive (PSD3) (binding, Main version, Amendment, EU)

Regulation on instant payments (binding, Amendment, EU)

Level 2

Strong customer authentication and secure communication under PSD2 (binding, Supplement, EU)

Details and structure of the information in the EBA register under PSD2 (non-binding, EU)

Development, operation and maintenance of the EBA register under PSD2 (non-binding, EU)

Requirements for home-host cooperation under PSD2 (binding, Supplement, EU)

Criteria to be applied when appointing central contact points under PSD2 (binding, Main version, EU)

Amendment of Payment Institute Audit Report Regulation(ZahlPrüfbV) (binding, Amendment, DE)

Amendment of the ZAG Minimum Equity Regulation for Banking Institutions (binding, Amendment, DE)

Cooperation and exchange of information between competent authorities for passport notifications under PSD2 (non-binding, Supplement, EU)

Payments statistics (binding, Main version, EU)

Amendment of the RTS for customer authentication and secure communication under PSD2 (binding, Amendment, EU)

Level 3 / Other

Opinion on the elements of strong customer authentication under PSD2 (non-binding, EU)

Clarifications on APIs under PSD2 - fourth set of issues (binding, EU)

Guidelines on outsourcing (binding, EU)

Fraud reporting under PSD2 (binding, Supplement, EU)

Guidelines on ICT and security risk management (binding, EU)

Procedure for complaints of infringements of PSD2 (binding, Supplement, EU)

Minimum monetary amount under PSD2 (binding, Supplement, EU)

Authorisation and registration under PSD2 (binding, Supplement, EU)

Remuneration policies and practices related to the sale and provision of retail banking products and services (binding, Supplement, EU)

Update guidelines on fraud reporting under PSD2 (binding, EU)

Facilitation of customer authentication (binding, DE)

Guidelines on the interplay of PSD2 and GDPR (binding, Supplement, EU)

Revised Guidelines on major incident reporting under PSD2 (binding, Supplement, EU)

Opinion on the use of eIDAS certificates under PSD2 (non-binding, EU)

Gap assessment of card payment schemes (non-binding, EU)

Opinion on implementation of the RTS on SCA and CSC (non-binding, EU)

Action plan fight against terrorist financing (non-binding, EU)

EBA report on crypto-assets (non-binding, EU)

Opinion on supervisory actions to ensure account access under PSD2 (non-binding, EU)

EBA - FINAL Q&A: PSD2 - Authorisation and registration (binding, EU)

EBA - FINAL Q&A: PSD2 - Fraud reporting (binding, EU)

Banking statistics reports and instructions for payment transaction statistics (binding, DE)

Guidelines on the limited network exclusion under PSD2 (binding, Supplement, EU)

Information sheet on account access interfaces (binding, Supplement, DE)

Clarifications on APIs under PSD2 - seventh set of issues (binding, EU)

Guidelines on the security of internet payments (non-binding, EU)

Statement on the revision of the PSD2 Directive (non-binding, EU)

Clarifications on APIs under PSD2 - first set of issues (binding, EU)

Exception to the provision of an emergency mechanism (non-binding, DE)

Strong Customer Authentication and Common and Secure Communication (binding, Supplement, EU)

Obstacles to the provision of third party provider services under the Payment Services Directive (non-binding, EU)

Clarifications on APIs under PSD2 - sixth set of issues (binding, EU)

Selected payment fraud data under PSD2 (non-binding, EU)

Regulatory classification of certain payment transactions in stationary travel distribution (binding, DE)

EBA Fraud Taxonomy (non-binding, EU)

Completing the migration to SCA for e-commerce card-based payment transactions (non-binding, EU)

Guidelines on the procedures and policies, including the rights of clients, in the context of transfer services for crypto-assets (3rd package) (binding, Supplement, EU)

EBA - Final Q&A: PSD2 - Strong customer authentication and common secure communication (binding, EU)

EBA - FINAL Q&A: PSD2 - other topics (binding, EU)

Guidelines on the uniform implementation of restrictive measures for financial institutions (binding, Supplement, EU)

Source: EU, 2015/2366, 2015