COM(2005)603 - Implementing the EC Lisbon programme - Proposal for a Directive of the European Parliament and of the Council on payment services in the internal market

official title

 

Legal instrument	Directive
Decision making procedure	ordinary legislative procedure (COD)
reference by COM-number157	COM(2005)603
Additional COM-numbers	SEC(2005)1535
procedure number159	2005/0245(COD)
CELEX number160	52005PC0603

This page is also available in a full version containing the latest state of affairs, the summary of the European Parliament Legislative Observatory, the legal basis, the legal context, other dossiers related to the dossier at hand, the stakeholders involved (e.g. European Commission directorates-general, European Parliament committees, Council configurations and even individual EU Commissioners and Members of the European Parliament) and finally documents of the European Parliament, the Council of Ministers and the European Commission.

• 1. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 2. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 3. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 4. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 5. 

  CapGemini, 2005.
  
   
• 6. 

  McKinsey, 2005 and others e.g. Van Hove, De Grauwe, T. ten Raa, EPC, Dutch National Bank, Sveriges Riskbank.
  
   
• 7. 

  COM (2005) 330 and SEC (2005) 981 of 20.7.2005.
  
   
• 8. 

  COM (2005) 24 of 2.2.2005.
  
   
• 9. 

  Payment System Government Expert Group and Payment System Market Group.
  
   
• 10. 

  Most of the documents have been made publicly available oneuropa.eu.int/comm/internal_market/payments/.
  
   
• 11. 

  MARKT/208/2001 and MARKT/4007/2002.
  
   
• 12. 

  COM (2003) 718 final.
  
   
• 13. 

  COM (2000) 36 final, public working document on a new legal framework (2002), COM (2003) 718 final.
  
   
• 14. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 15. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 16. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 17. 

  OJ C , , p. .
  
   
• 18. 

  OJ C , , p. .
  
   
• 19. 

  OJ C , , p. .
  
   
• 20. 

  OJ C , , p. .
  
   
• 21. 

  OJ L 43, 14.2.1997, p. 25.
  
   
• 22. 

  OJ L 344, 28.12.2001, p. 13.
  
   
• 23. 

  OJ L 365, 24.12.1987, p. 72.
  
   
• 24. 

  OJ L 317, 24.11.1988, p. 55.
  
   
• 25. 

  OJ L 208, 2.8.1997, p. 52.
  
   
• 26. 

  OJ L 126, 26.5.2000, p. 1.
  
   
• 27. 

  OJ L 275, 27.10.2000, p. 39.
  
   
• 28. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 29. 

  OJ L 124, 20.5.2003, p. 36.
  
   
• 30. 

  OJ L 281, 23.11.1995, p. 31.
  
   
• 31. 

  OJ L 144, 4.6.1997, p. 19; Directive as last amended by Directive 2005/29/EC (OJ L 149, 11.6.2005, p. 22).
  
   
• 32. 

  OJ L 271, 9.10.2002, p. 16; Directive as amended by Directive 2005/29/EC.
  
   
• 33. 

  OJ L 184, 17.7.1999, p. 23.
  
   
• 34. 

  CapGemini, 2005.
  
   
• 35. 

  OJ L 309, 25.11.2005, p. 15.
  
   
• 36. 

  COM (2003) 718 final.
  
   
• 37. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 38. 

  OJ L 166, 11.6.1998, p. 45.
  
   
• 39. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 40. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 41. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 42. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 43. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 44. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 45. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 46. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 47. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 48. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 49. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 50. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 51. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 52. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 53. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 54. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 55. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 56. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 57. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 58. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 59. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 60. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 61. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 62. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 63. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 64. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 65. 

  Directive 1999/93/EC of the European Parliament and of the Council of 13 December 1999 on a Community framework for electronic signatures (OJ L 13, 19.1.2000, p. 12).
  
   
• 66. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 67. 

  CapGemini, 2005.
  
   
• 68. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 69. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 70. 

  CapGemini, 2005.
  
   
• 71. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 72. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 73. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 74. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 75. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 76. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 77. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 78. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 79. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 80. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 81. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 82. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 83. 

  COM (2005) 24 of 2.2.2005.
  
   
• 84. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 85. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 86. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 87. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 88. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 89. 

  OJ L 43, 14.2.1997, p. 25.
  
   
• 90. 

  OJ L 344, 28.12.2001, p. 13.
  
   
• 91. 

  OJ L 365, 24.12.1987, p. 72.
  
   
• 92. 

  OJ L 317, 24.11.1988, p. 55.
  
   
• 93. 

  OJ L 208, 2.8.1997, p. 52.
  
   
• 94. 

  OJ L 126, 26.5.2000, p. 1.
  
   
• 95. 

  OJ L 275, 27.10.2000, p. 39.
  
   
• 96. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 97. 

  OJ L 124, 20.5.2003, p. 36.
  
   
• 98. 

  OJ L 281, 23.11.1995, p. 31.
  
   
• 99. 

  OJ L 144, 4.6.1997, p. 19; Directive as last amended by Directive 2005/29/EC (OJ L 149, 11.6.2005, p. 22).
  
   
• 100. 

  OJ L 271, 9.10.2002, p. 16; Directive as amended by Directive 2005/29/EC.
  
   
• 101. 

  OJ L 184, 17.7.1999, p. 23.
  
   
• 102. 

  CapGemini, 2005.
  
   
• 103. 

  OJ L 309, 25.11.2005, p. 15.
  
   
• 104. 

  COM (2003) 718 final.
  
   
• 105. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 106. 

  OJ L 166, 11.6.1998, p. 45.
  
   
• 107. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 108. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 109. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 110. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 111. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 112. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 113. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 114. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 115. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 116. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 117. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 118. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 119. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 120. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 121. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 122. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 123. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 124. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 125. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 126. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 127. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 128. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 129. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 130. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 131. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 132. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 133. 

  Directive 1999/93/EC of the European Parliament and of the Council of 13 December 1999 on a Community framework for electronic signatures (OJ L 13, 19.1.2000, p.
   
• 134. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 135. 

  CapGemini, 2005.
  
   
• 136. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 137. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 138. 

  CapGemini, 2005.
  
   
• 139. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 140. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 141. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 142. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 143. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 144. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 145. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 146. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 147. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 148. 

  Estimates of savings are based on a McKinsey study, 2005.
  
   
• 149. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 150. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 151. 

  COM (2005) 24 of 2.2.2005.
  
   
• 152. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 153. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 154. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 155. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 156. 

  Studies (e.g. VISA International and the Commonwealth Business Council, 2004) claim that for every ten per cent increase in the share of electronic payments in an economy, consumption is stimulated by as much as half a percent.
  
   
• 157. 

  De Europese Commissie kent nummers toe aan officiële documenten van de Europese Unie. De Commissie maakt onderscheid in een aantal typen documenten door middel van het toekennen van verschillende nummerseries. Het onderscheid is gebaseerd op het soort document en/of de instelling van de Unie van wie het document afkomstig is.
   
• 158. 

  De Raad van de Europese Unie kent aan wetgevingsdossiers een uniek toe. Dit nummer bestaat uit een vijfcijferig volgnummer gevolgd door een schuine streep met de laatste twee cijfers van het jaartal, bijvoorbeeld 12345/00 - een document met nummer 12345 uit het jaar 2000.
   
• 159. 

  Het interinstitutionele nummer is een nummerreeks die binnen de Europese Unie toegekend wordt aan voorstellen voor regelgeving van de Europese Commissie.
  Binnen de Europese Unie worden nog een aantal andere nummerseries gebruikt. Iedere instelling heeft één of meerdere sets documenten met ieder een eigen nummering. Die reeksen komen niet overeen met elkaar of het interinstitutioneel nummer.
   
• 160. 

  Deze databank van de Europese Unie biedt de mogelijkheid de actuele werkzaamheden (workflow) van de Europese instellingen (Europees Parlement, Raad, ESC, Comité van de Regio's, Europese Centrale Bank, Hof van Justitie enz.) te volgen. EURlex volgt alle voorstellen (zoals wetgevende en begrotingsdossiers) en mededelingen van de Commissie, vanaf het moment dat ze aan de Raad of het Europees Parlement worden voorgelegd.
   
• 161. 

  Als dag van bekendmaking van een Europees besluit geldt de dag waarop het besluit in het Publicatieblad wordt bekendgemaakt, en daardoor in alle officiële talen van de Europese Unie bij het Publicatiebureau beschikbaar is.
   
• 162. 

  This legally binding act of the European Union establishes a set of objectives which all member states of the European Union must fulfil. The member states are required to implement directives. The member states are free to choose the manner they see fit to fulfil the required objectives.