# Instrument Metadata
# Output tuned for LLM consumption -- deterministic parse of the
# EUR-Lex source, no LLM involved in generation.

instrument_id: cbpr-2
celex: "32021R1230"
eli: "http://data.europa.eu/eli/reg/2021/1230/oj"
full_title: Cross-Border Payments Regulation (EU) 2021/1230 (Revised)
short_title: CBPR2
instrument_type: regulation
document_type: regulation
normative_weight: binding
jurisdiction: EU
effective_period:
  from: "2021-08-19"
  to: null
dates:
  adopted: "2021-07-14"
  entered_into_force: "2021-08-19"
status: in_force
legal_status: in_force
structure_levels:
  - title
  - chapter
  - article
total_articles: 16
total_recitals: 0
total_annexes: 2
definitions_article: 2
chunk_strategy: by_chapter
chunks:
  - /cbpr-2/chunks/cbpr-2_t01.md
  - /cbpr-2/chunks/annexes.md
key_dates:
  - date: "2021-07-14"
    type: lifecycle
    context: "Adopted"
  - date: "2021-08-19"
    type: lifecycle
    context: "Entered into force"
  - date: "2021-10-19"
    type: review
    article: "14"
    context: "…referred to in paragraph 1 shall cover at least the period from 15 December 2019 until 19 October 2021. When preparing the report, the…"
  - date: "2022-04-19"
    type: review
    article: "14"
    context: "1. By 19 April 2022, the Commission shall present to the…"

generated_at: "2026-09-08T12:36:52.468Z"

articles:
  - article_number: 1
    article_title: Subject matter and scope
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 1"
    applies_to_entities:
      - payment_service_providers
      - member_states
    topics:
      - payments
    keywords:
      - cross-border
      - cross-border payment
      - payment service provider
      - charge
    contains:
      obligations: false
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 13
      - target: Article 4
      - target: Article 5
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 2
    article_title: Definitions
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 2"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
    keywords:
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - electronic money
      - POS
      - consent
      - cross-border
      - scheme
      - ITS
      - cross-border payment
      - national payment
      - payment service provider
      - payment service user
      - payment transaction
      - payment order
      - charge
      - funds
    contains:
      obligations: false
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2009/110/EC"
    recitals: []

  - article_number: 3
    article_title: Charges for cross-border payments and corresponding national payments
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 3"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - competent_authorities
    keywords:
      - transfer
      - credit transfer
      - instant
      - POS
      - cross-border
      - ITS
      - guidelines
      - cross-border payment
      - national payment
      - payment service provider
      - payment service user
      - charge
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 13
    external_references:
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: regulation
        reference: "260/2012"
      - instrument_type: regulation
        reference: "260/2012"
    recitals: []

  - article_number: 4
    article_title: Currency conversion charges related to card-based transactions
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 4"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - european_central_bank
      - consumers
    topics:
      - payments
    keywords:
      - consumer
      - payee
      - payer
      - transaction
      - card
      - POS
      - ATM
      - access
      - payment service provider
      - payment service user
      - payment transaction
      - payment order
      - charge
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 5
    article_title: Currency conversion charges related to credit transfers
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 5"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
    keywords:
      - payee
      - payer
      - transaction
      - transfer
      - credit transfer
      - payment service provider
      - payment transaction
      - charge
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 6
    article_title: Measures for facilitating the automation of payments
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 6"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
    keywords:
      - transaction
      - IBAN
      - cross-border
      - ITS
      - cross-border payment
      - national payment
      - payment service provider
      - payment service user
      - payment transaction
      - charge
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 3
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "260/2012"
    recitals: []

  - article_number: 7
    article_title: Balance of payments reporting obligations
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 7"
    applies_to_entities:
      - payment_service_providers
      - member_states
    topics:
      - payments
    keywords:
      - transaction
      - data
      - settlement
      - reporting
      - payment service provider
      - payment transaction
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 8
    article_title: Competent authorities
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 8"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - payments
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "924/2009"
    recitals: []

  - article_number: 9
    article_title: Complaint procedures for alleged infringements of this Regulation
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 9"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - competent_authorities
      - enforcement
    keywords:
      - payment service provider
      - payment service user
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 10
    external_references: []
    recitals: []

  - article_number: 10
    article_title: Out-of-court complaint and redress procedures
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 10"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
    keywords:
      - consumer
      - POS
      - settlement
      - payment service provider
      - payment service user
      - micro-enterprise
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "924/2009"
    recitals: []

  - article_number: 11
    article_title: Cross-border cooperation
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 11"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - payments
    keywords:
      - cross-border
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 8
      - target: Article 10
    external_references: []
    recitals: []

  - article_number: 12
    article_title: Penalties
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 12"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - payments
      - enforcement
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "924/2009"
    recitals: []

  - article_number: 13
    article_title: Application to currencies other than the euro
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 13"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - payments
    keywords:
      - ITS
      - notification
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 14
    article_title: Review
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 14"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
      - european_central_bank
      - consumers
    topics:
      - payments
    keywords:
      - payee
      - payer
      - transaction
      - POS
      - ATM
      - data
      - cross-border
      - clearing
      - cross-border payment
      - payment service provider
      - payment transaction
      - charge
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 3
      - target: Article 3
        paragraph: "1"
      - target: Article 4
      - target: Article 5
      - target: Article 4
        paragraph: "1"
      - target: Article 4
        paragraph: "3"
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 15
    article_title: Repeal
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 15"
    applies_to_entities: []
    topics:
      - payments
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "924/2009"
    recitals: []

  - article_number: 16
    article_title: Entry into force
    chunk_file: /cbpr-2/chunks/cbpr-2_t01.md
    path: "Title 1 > Article 16"
    applies_to_entities: []
    topics:
      - payments
    keywords:
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references: []
    external_references: []
    recitals: []