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

instrument_id: cbpr
celex: "32009R0924"
eli: "http://data.europa.eu/eli/reg/2009/924/oj"
full_title: Cross-Border Payments Regulation (EC) 924/2009
short_title: CBPR
instrument_type: regulation
document_type: regulation
normative_weight: non_binding
jurisdiction: EU
effective_period:
  from: "2009-10-29"
  to: "2021-08-19"
dates:
  adopted: "2009-09-16"
  entered_into_force: "2009-10-29"
status: repealed
legal_status: repealed
structure_levels:
  - title
  - chapter
  - article
total_articles: 17
total_recitals: 22
total_annexes: 0
definitions_article: 2
chunk_strategy: by_chapter
chunks:
  - /cbpr/chunks/recitals.md
  - /cbpr/chunks/cbpr_t01.md
key_dates:
  - date: "2000-09-18"
    type: citation
    article: "2"
    context: "…1(3)(b) of Directive 2000/46/EC of the European Parliament and of the Council of 18 September 2000 on the taking up, pursuit of and…"
  - date: "2003-05-06"
    type: citation
    article: "2"
    context: "…1 and Article 2(1) and (3) of the Annex to Commission Recommendation 2003/361/EC of 6 May 2003 concerning the definition of micro,…"
  - date: "2006-06-14"
    type: citation
    article: "2"
    context: "…in Article 2 of Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit…"
  - date: "2009-09-16"
    type: lifecycle
    context: "Adopted"
  - date: "2009-10-29"
    type: lifecycle
    context: "Entered into force"
  - date: "2009-11-01"
    type: application
    article: "16"
    context: "Regulation (EC) No 2560/2001 is repealed, as from 1 November 2009. References to the repealed…"
  - date: "2009-11-01"
    type: application
    article: "17"
    context: "…its publication in the Official Journal of the European Union. It shall apply from 1 November 2009."
  - date: "2009-11-01"
    type: deadline
    article: "7"
    context: "…or other agreed remuneration for a national direct debit transaction executed before 1 November 2009 applies between the payment service…"
  - date: "2010-01-01"
    type: application
    article: "5"
    context: "1. With effect from 1 January 2010, Member States shall remove…"
  - date: "2010-04-29"
    type: deadline
    article: "11"
    context: "…establish new bodies. 2. Member States shall notify the Commission of those bodies by 29 April 2010. They shall notify the Commission…"
  - date: "2010-04-29"
    type: deadline
    article: "9"
    context: "…Regulation. Member States shall notify the Commission of those competent authorities by 29 April 2010. They shall notify the Commission…"
  - date: "2010-06-01"
    type: deadline
    article: "13"
    context: "Without prejudice to Article 17, Member States shall, by 1 June 2010, lay down rules on the penalties…"
  - date: "2010-10-29"
    type: deadline
    article: "13"
    context: "…and dissuasive. Member States shall notify those provisions to the Commission by 29 October 2010 and shall notify it without delay of…"
  - date: "2010-11-01"
    type: deadline
    article: "8"
    context: "…Payment service providers shall comply with the requirements of paragraphs 1 and 2 by 1 November 2010. 4. Notwithstanding paragraph 3,…"
  - date: "2011-10-31"
    type: review
    article: "15"
    context: "1. By 31 October 2011, the Commission shall present to the…"
  - date: "2012-10-31"
    type: review
    article: "15"
    context: "…obligations. That report shall be accompanied, where appropriate, by a proposal. 2. By 31 October 2012, the Commission shall present to the…"
  - date: "2012-11-01"
    type: deadline
    article: "6"
    context: "…the payer, shall apply for each cross-border direct debit transaction executed before 1 November 2012, unless a lower multilateral…"
  - date: "2012-11-01"
    type: deadline
    article: "7"
    context: "…remuneration shall apply for any national direct debit transaction executed before 1 November 2012. 2. Where such a multilateral…"
  - date: "2013-11-01"
    type: deadline
    article: "8"
    context: "…If, however, the euro is introduced as the currency of any such Member State before 1 November 2013, the payment service provider located…"
  - date: "2014-11-01"
    type: deadline
    article: "8"
    context: "…requirements of paragraphs 1 and 2 for direct debit transactions denominated in euro by 1 November 2014. If, however, the euro is introduced…"
  - date: "2021-08-19"
    type: lifecycle
    context: "Repealed"

generated_at: "2026-09-08T12:36:52.427Z"

articles:
  - article_number: 1
    article_title: Subject matter and scope
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 1"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
    keywords:
      - payee
      - payer
      - transaction
      - direct debit
      - cross-border
      - cross-border payment
      - payment service provider
      - charge
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 14
      - target: Article 6
      - target: Article 7
      - target: Article 8
    external_references:
      - instrument_type: directive
        reference: "2007/64/EC"
    recitals: []

  - article_number: 2
    article_title: Definitions
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 2"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - consumers
    topics:
      - payments
    keywords:
      - supervision
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - electronic money
      - POS
      - consent
      - cross-border
      - scheme
      - cross-border payment
      - national payment
      - payment service provider
      - payment service user
      - payment transaction
      - payment order
      - charge
      - funds
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      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: "2007/64/EC"
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: directive
        reference: "2000/46/EC"
      - instrument_type: directive
        reference: "2000/46/EC"
    recitals: []

  - article_number: 3
    article_title: Charges for cross-border payments and corresponding national payments
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 3"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - competent_authorities
    keywords:
      - POS
      - cross-border
      - ITS
      - guidelines
      - cross-border payment
      - national payment
      - payment service provider
      - payment service user
      - charge
    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:
      - target: Article 14
    external_references:
      - instrument_type: directive
        reference: "2007/64/EC"
    recitals: []

  - article_number: 4
    article_title: Measures for facilitating the automation of payments
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 4"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
    keywords:
      - payee
      - payer
      - transaction
      - IBAN
      - ITS
      - 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: []
    recitals:
      - 7

  - article_number: 5
    article_title: Balance of payments reporting obligations
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 5"
    applies_to_entities:
      - payment_service_providers
      - member_states
    topics:
      - payments
    keywords:
      - transaction
      - data
      - settlement
      - reporting
      - payment service provider
      - payment transaction
    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: []
    recitals:
      - 22

  - article_number: 6
    article_title: Interchange fee for cross-border direct debit transactions
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 6"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
    keywords:
      - payee
      - payer
      - transaction
      - direct debit
      - cross-border
      - payment service provider
      - interchange fee
    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: 7
    article_title: Interchange fee for national direct debit transactions
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 7"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
    keywords:
      - payee
      - payer
      - transaction
      - direct debit
      - payment service provider
      - interchange fee
    contains:
      obligations: true
      prohibitions: true
      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: 8
    article_title: Reachability for direct debit transactions
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 8"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
    keywords:
      - consumer
      - payee
      - payer
      - transaction
      - direct debit
      - scheme
      - ITS
      - payment service provider
      - direct debit scheme
    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: 9
    article_title: Competent authorities
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 9"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - payments
    keywords: []
    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: []
    recitals: []

  - article_number: 10
    article_title: Complaint procedures for alleged infringements of this Regulation
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 10"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - competent_authorities
      - enforcement
    keywords:
      - POS
      - payment service provider
      - payment service user
    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 11
    external_references: []
    recitals: []

  - article_number: 11
    article_title: Out-of-court complaint and redress procedures
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 11"
    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: []
    recitals: []

  - article_number: 12
    article_title: Cross-border cooperation
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 12"
    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 9
      - target: Article 11
    external_references: []
    recitals: []

  - article_number: 13
    article_title: Penalties
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 13"
    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:
      - target: Article 17
    external_references: []
    recitals: []

  - article_number: 14
    article_title: Application to currencies other than the euro
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 14"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - payments
    keywords:
      - ITS
      - notification
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 6
      - target: Article 7
      - target: Article 8
    external_references: []
    recitals: []

  - article_number: 15
    article_title: Review
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 15"
    applies_to_entities:
      - credit_institutions
      - european_commission
      - european_central_bank
    topics:
      - payments
    keywords:
      - IBAN
      - POS
      - settlement
      - reporting
    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 3
        paragraph: "1"
      - target: Article 6
      - target: Article 7
      - target: Article 8
    external_references: []
    recitals: []

  - article_number: 16
    article_title: Repeal
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 16"
    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: []
    recitals: []

  - article_number: 17
    article_title: Entry into force
    chunk_file: /cbpr/chunks/cbpr_t01.md
    path: "Title 1 > Article 17"
    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: []