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

instrument_id: distance-financial-services
celex: "32023L2673"
eli: "http://data.europa.eu/eli/dir/2023/2673/oj"
full_title: Distance Financial Services Directive (EU) 2023/2673
short_title: DFSD
instrument_type: directive
document_type: directive
normative_weight: binding
jurisdiction: EU
effective_period:
  from: "2023-12-18"
  to: null
dates:
  adopted: "2023-11-22"
  entered_into_force: "2023-12-18"
status: in_force
legal_status: in_force
structure_levels:
  - title
  - chapter
  - article
total_articles: 5
total_recitals: 46
total_annexes: 2
definitions_article: null
chunk_strategy: by_chapter
chunks:
  - /distance-financial-services/chunks/recitals.md
  - /distance-financial-services/chunks/distance-financial-services_t01.md
  - /distance-financial-services/chunks/annexes.md
key_dates:
  - date: "1997-03-03"
    type: citation
    article: "1"
    context: "…p. 149).\" (*2) Directive 97/9/EC of the European Parliament and of the Council of 3 March 1997 on investor-compensation schemes (OJ…"
  - date: "2014-02-04"
    type: citation
    article: "1"
    context: "…p. 22).\" (*3) Directive 2014/17/EU of the European Parliament and of the Council of 4 February 2014 on credit agreements for consumers…"
  - date: "2014-04-16"
    type: citation
    article: "1"
    context: "…Union law. (*1) Directive 2014/49/EU of the European Parliament and of the Council of 16 April 2014 on deposit guarantee schemes (OJ L…"
  - date: "2022-10-19"
    type: citation
    article: "1"
    context: "…(*5) Regulation (EU) 2022/2065 of the European Parliament and of the Council of 19 October 2022 on a Single Market For Digital…"
  - date: "2023-10-18"
    type: citation
    article: "1"
    context: "…p. 34).\" (*4) Directive (EU) 2023/2225 of the European Parliament and of the Council of 18 October 2023 on credit agreements for consumers…"
  - date: "2023-11-22"
    type: lifecycle
    context: "Adopted"
  - date: "2023-12-18"
    type: lifecycle
    context: "Entered into force"
  - date: "2025-12-19"
    type: deadline
    article: "1"
    context: "…and (9), Article 16b(7) and Article 16e, it shall inform the Commission thereof by 19 December 2025, as well as of any subsequent…"
  - date: "2025-12-19"
    type: deadline
    article: "2"
    context: "1. Member States shall adopt and publish by 19 December 2025 at the latest, the laws, regulations…"
  - date: "2026-06-19"
    type: application
    article: "2"
    context: "…the text of those measures to the Commission. They shall apply those measures from 19 June 2026. When Member States adopt those…"
  - date: "2026-06-19"
    type: lifecycle
    article: "3"
    context: "Directive 2002/65/EC is repealed with effect from 19 June 2026. References to the repealed Directive…"
  - date: "2030-07-31"
    type: review
    article: "2"
    context: "…measures in national law which they adopt in the field covered by this Directive. 3. By 31 July 2030, the Commission shall submit a report…"

generated_at: "2026-10-05T22:50:42.483Z"

articles:
  - article_number: 1
    article_title: Amendments to Directive 2011/83/EU
    chunk_file: /distance-financial-services/chunks/distance-financial-services_t01.md
    path: Article 1
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
      - consumers
    topics:
      - consumer_protection
      - financial_services
      - authorisation
      - information_requirements
      - enforcement
      - insurance
      - investment_funds
      - deposit_guarantee
    keywords:
      - interface
      - authorisation
      - penalty
      - consumer
      - transfer
      - data
      - access
      - third party
      - scheme
      - notification
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2011/83/EU"
      - instrument_type: directive
        reference: "2023/2225"
      - instrument_type: directive
        reference: "2023/2225"
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: regulation
        reference: "2022/2065"
      - instrument_type: regulation
        reference: "2022/2065"
      - instrument_type: directive
        reference: "2014/49/EU"
      - instrument_type: directive
        reference: "2008/48/EC"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: directive
        reference: "2008/48/EC"
      - instrument_type: regulation
        reference: "2017/2394"
    recitals: []

  - article_number: 2
    article_title: Transposition and review
    chunk_file: /distance-financial-services/chunks/distance-financial-services_t01.md
    path: Article 2
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - consumer_protection
      - financial_services
    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:
      - 8
      - 19

  - article_number: 3
    article_title: Repeal
    chunk_file: /distance-financial-services/chunks/distance-financial-services_t01.md
    path: Article 3
    applies_to_entities: []
    topics:
      - consumer_protection
      - financial_services
    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: directive
        reference: "2002/65/EC"
      - instrument_type: directive
        reference: "2011/83/EU"
    recitals:
      - 16
      - 19
      - 41

  - article_number: 4
    article_title: Entry into force
    chunk_file: /distance-financial-services/chunks/distance-financial-services_t01.md
    path: Article 4
    applies_to_entities: []
    topics:
      - consumer_protection
      - financial_services
    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: true
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 5
    article_title: Addressees
    chunk_file: /distance-financial-services/chunks/distance-financial-services_t01.md
    path: Article 5
    applies_to_entities:
      - member_states
    topics:
      - consumer_protection
      - financial_services
    keywords: []
    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: []
    external_references: []
    recitals:
      - 45