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

instrument_id: fida
celex: "52023PC0360"
eli: null
full_title: Financial Data Access Regulation (Proposal)
short_title: FiDA
instrument_type: regulation
document_type: proposal
normative_weight: non_binding
jurisdiction: EU
effective_period:
  from: null
  to: null
dates:
  proposed: "2023-06-28"
status: proposal
legal_status: proposal
structure_levels:
  - title
  - chapter
  - article
total_articles: 36
total_recitals: 54
total_annexes: 0
definitions_article: 3
chunk_strategy: by_chapter
chunks:
  - /fida/chunks/preamble.md
  - /fida/chunks/recitals.md
  - /fida/chunks/fida_t01_subject_matter_scope_and_definitions.md
  - /fida/chunks/fida_t02_data_access.md
  - /fida/chunks/fida_t03_responsible_data_use_and_permission_dash.md
  - /fida/chunks/fida_t04_financial_data_sharing_schemes.md
  - /fida/chunks/fida_t05_eligibility_for_data_access_and_organisa.md
  - /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
  - /fida/chunks/fida_t07_cross_border_access_to_data.md
  - /fida/chunks/fida_t08_final_provisions.md
key_dates:
  - date: "2003-05-06"
    type: citation
    article: "10"
    context: "…as defined in Article 2 of the Annex to Commission Recommendation 2003/361/EC of 6 May 2003[42], any compensation agreed shall…"
  - date: "2008-04-23"
    type: citation
    article: "32"
    context: "…* Directive 2008/48/EC Of the European Parliament and of the Council of 23 April 2008 on credit agreements for consumers…"
  - date: "2011-06-08"
    type: citation
    article: "34"
    context: "…___________ * Directive 2011/61/EU of the European Parliament and of the Council of 8 June 2011 on Alternative Investment Fund…"
  - date: "2013-06-26"
    type: citation
    article: "32"
    context: "…p. 66). ** Regulation (EU) No 575/2013 of the European Parliament and of the Council of 26 June 2013 on prudential requirements for credit…"
  - date: "2013-10-15"
    type: citation
    article: "32"
    context: "…(EU) 2019/1937 (OJ L ..., ...., p.). ********* Council Regulation (EU) No 1024/2013 of 15 October 2013 conferring specific tasks on the…"
  - date: "2014-04-16"
    type: citation
    article: "32"
    context: "…p. 338). **** Directive 2014/49/EU of the European Parliament and of the Council of 16 April 2014 on deposit guarantee schemes (OJ L…"
  - date: "2014-05-15"
    type: citation
    article: "34"
    context: "…p. 1). ** Directive 2014/65/EU of the European Parliament and of the Council of 15 May 2014 on markets in financial instruments…"
  - date: "2014-07-23"
    type: citation
    article: "32"
    context: "…p. 149). ***** Directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 on the comparability of fees related…"
  - date: "2015-11-25"
    type: citation
    article: "32"
    context: "…214). ****** Directive (EU) 2015/2366 of the European Parliament and of the Council of 25 November 2015 on payment services in the internal…"
  - date: "2016-01-20"
    type: citation
    article: "33"
    context: "…...., p.). ** Directive (EU) 2016/97 of the European Parliament and of the Council of 20 January 2016 on insurance distribution (OJ L 26,…"
  - date: "2016-04-13"
    type: citation
    article: "30"
    context: "…in accordance with the principles laid down in the Interinstitutional Agreement of 13 April 2016 on Better Law-Making. 5. As soon as…"
  - date: "2016-12-14"
    type: citation
    article: "33"
    context: "…p. 19). *** Directive (EU) 2016/2341 of the European Parliament and of the Council of 14 December 2016 on the activities and supervision of…"
  - date: "2017-06-14"
    type: citation
    article: "34"
    context: "…p. 349). *** Regulation (EU) 2017/1129 of the European Parliament and of the Council of 14 June 2017 on the prospectus to be published…"
  - date: "2023-05-31"
    type: citation
    article: "32"
    context: "…35). ******* Regulation (EU) 2023/1114 of the European Parliament and of the Council of 31 May 2023 on markets in crypto-assets, and…"
  - date: "2023-05-31"
    type: citation
    article: "34"
    context: "…p. 12). **** Regulation (EU) 2023/1114 of the European Parliament and of the Council of 31 May 2023 on markets in crypto-assets, and…"
  - date: "2023-06-28"
    type: lifecycle
    context: "Proposed"

generated_at: "2026-09-08T12:36:51.411Z"

articles:
  - article_number: 1
    article_title: Subject matter
    chunk_file: /fida/chunks/fida_t01_subject_matter_scope_and_definitions.md
    path: "Title I > Article 1"
    applies_to_entities: []
    topics:
      - data_access
      - financial_services
      - scope
      - general_provisions
      - definitions
      - authorisation
    keywords:
      - authorisation
      - data
      - access
      - customer
      - customer data
      - financial information service provider
    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: []

  - article_number: 2
    article_title: Scope
    chunk_file: /fida/chunks/fida_t01_subject_matter_scope_and_definitions.md
    path: "Title I > Article 2"
    applies_to_entities:
      - payment_institutions
      - account_information_service_providers
      - credit_institutions
      - data_holders
    topics:
      - data_access
      - financial_services
      - scope
      - general_provisions
      - definitions
      - insurance
      - reinsurance
      - pensions
      - investment_funds
      - crypto_assets
      - fit_and_proper
    keywords:
      - transaction
      - transfer
      - electronic money
      - POS
      - token
      - data
      - access
      - scheme
      - ITS
      - customer
      - customer data
      - data holder
      - data user
      - financial information service provider
      - credit institution
      - investment firm
      - payment institution
      - account information service provider
      - electronic money institution
      - insurance undertaking
    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:
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2014/65/EU"
      - instrument_type: directive
        reference: "2009/138/EC"
      - instrument_type: directive
        reference: "2016/2341"
      - instrument_type: directive
        reference: "2016/97"
      - instrument_type: directive
        reference: "2016/97"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: regulation
        reference: "2022/2554"
    recitals: []

  - article_number: 3
    article_title: Definitions
    chunk_file: /fida/chunks/fida_t01_subject_matter_scope_and_definitions.md
    path: "Title I > Article 3"
    applies_to_entities:
      - payment_institutions
      - account_information_service_providers
      - credit_institutions
      - member_states
      - competent_authorities
      - consumers
      - data_holders
      - financial_entities
    topics:
      - data_access
      - financial_services
      - scope
      - general_provisions
      - definitions
      - authorisation
      - data_protection
      - insurance
      - reinsurance
      - pensions
      - investment_funds
      - crypto_assets
      - credit_rating
    keywords:
      - consumer
      - transaction
      - transfer
      - electronic money
      - POS
      - token
      - data
      - access
      - ITS
      - customer
      - customer data
      - competent authority
      - data holder
      - data user
      - financial information service provider
      - financial institution
      - investment account
      - non-personal data
      - personal data
      - credit institution
    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:
      - target: Article 17
      - target: Article 2
        paragraph: "1"
      - target: Article 2
        paragraph: "2"
      - target: Article 14
    external_references:
      - instrument_type: regulation
        reference: "2022/2554"
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2014/65/EU"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2009/110"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2011/61/EU"
      - instrument_type: directive
        reference: "2009/65/EC"
      - instrument_type: directive
        reference: "2009/138/EC"
      - instrument_type: directive
        reference: "2009/138/EC"
      - instrument_type: directive
        reference: "2016/97"
      - instrument_type: directive
        reference: "2016/97"
      - instrument_type: directive
        reference: "2016/2341"
      - instrument_type: regulation
        reference: "1060/2009"
    recitals: []

  - article_number: 4
    article_title: Obligation to make available data to the customer
    chunk_file: /fida/chunks/fida_t02_data_access.md
    path: "Title II > Article 4"
    applies_to_entities:
      - data_holders
    topics:
      - data_access
      - financial_services
      - payment_systems
    keywords:
      - data
      - customer
      - data holder
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 5
    article_title: Obligations on a data holder to make customer data available to a data user
    chunk_file: /fida/chunks/fida_t02_data_access.md
    path: "Title II > Article 5"
    applies_to_entities:
      - data_holders
    topics:
      - data_access
      - financial_services
      - payment_systems
      - open_banking
    keywords:
      - POS
      - security
      - data
      - access
      - scheme
      - customer
      - customer data
      - data holder
      - data user
    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:
      - target: Article 2
        paragraph: "1"
      - target: Article 9
      - target: Article 10
      - target: Article 11
      - target: Article 8
      - target: Article 5
        paragraph: "1"
    external_references: []
    recitals:
      - 46

  - article_number: 6
    article_title: Obligations on a data user receiving customer data
    chunk_file: /fida/chunks/fida_t02_data_access.md
    path: "Title II > Article 6"
    applies_to_entities:
      - member_states
      - competent_authorities
      - financial_entities
    topics:
      - data_access
      - financial_services
      - payment_systems
      - authorisation
    keywords:
      - authorisation
      - transfer
      - POS
      - security
      - data
      - access
      - ITS
      - customer
      - customer data
      - competent authority
      - data user
      - financial information service provider
      - financial institution
    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 5
        paragraph: "1"
      - target: Article 14
      - target: Article 2
        paragraph: "1"
    external_references: []
    recitals:
      - 48

  - article_number: 7
    article_title: Data use perimeter
    chunk_file: /fida/chunks/fida_t03_responsible_data_use_and_permission_dash.md
    path: "Title III > Article 7"
    applies_to_entities:
      - european_banking_authority
      - consumers
    topics:
      - data_access
      - financial_services
      - data_protection
      - risk_assessment
    keywords:
      - consumer
      - POS
      - data
      - EBA
      - guidelines
      - customer
      - personal data
    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 2
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1094/2010"
      - instrument_type: regulation
        reference: "2016/679"
    recitals: []

  - article_number: 8
    article_title: Financial Data Access permission dashboards
    chunk_file: /fida/chunks/fida_t03_responsible_data_use_and_permission_dash.md
    path: "Title III > Article 8"
    applies_to_entities:
      - data_holders
    topics:
      - data_access
      - financial_services
    keywords:
      - interface
      - POS
      - data
      - access
      - ITS
      - customer
      - customer data
      - data holder
      - data 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: []
    external_references: []
    recitals: []

  - article_number: 9
    article_title: Financial data sharing scheme membership
    chunk_file: /fida/chunks/fida_t04_financial_data_sharing_schemes.md
    path: "Title IV > Article 9"
    applies_to_entities:
      - data_holders
    topics:
      - data_access
      - financial_services
      - open_banking
    keywords:
      - data
      - access
      - scheme
      - customer
      - customer data
      - data holder
      - data 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: true
    internal_references:
      - target: Article 10
    external_references: []
    recitals:
      - 48

  - article_number: 10
    article_title: Financial data sharing scheme governance and content
    chunk_file: /fida/chunks/fida_t04_financial_data_sharing_schemes.md
    path: "Title IV > Article 10"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_banking_authority
      - consumers
      - data_holders
    topics:
      - data_access
      - financial_services
      - liability
      - data_protection
      - competent_authorities
      - open_banking
    keywords:
      - interface
      - liability
      - consumer
      - POS
      - ATM
      - security
      - data
      - access
      - system
      - scheme
      - ITS
      - EBA
      - reporting
      - notification
      - customer
      - customer data
      - competent authority
      - data holder
      - data user
      - personal data
    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 5
        paragraph: "1"
      - target: Article 2
        paragraph: "1"
    external_references:
      - instrument_type: regulation
        reference: "2016/679"
      - instrument_type: directive
        reference: "2013/11/EU"
    recitals: []

  - article_number: 11
    article_title: Empowerment for Delegated Act in the event of absence of a financial data sharing scheme
    chunk_file: /fida/chunks/fida_t04_financial_data_sharing_schemes.md
    path: "Title IV > Article 11"
    applies_to_entities:
      - european_commission
      - data_holders
    topics:
      - data_access
      - financial_services
      - liability
      - open_banking
    keywords:
      - interface
      - liability
      - data
      - scheme
      - customer
      - customer data
      - data holder
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
        paragraph: "1"
      - target: Article 30
      - target: Article 5
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 12
    article_title: Application for authorisation of financial information service providers
    chunk_file: /fida/chunks/fida_t05_eligibility_for_data_access_and_organisa.md
    path: "Title V > Article 12"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - data_access
      - financial_services
      - payment_systems
      - fraud_prevention
      - authorisation
      - liability
      - data_protection
      - operational_resilience
      - incident_reporting
      - outsourcing
      - information_requirements
      - security
      - risk_assessment
      - internal_control
    keywords:
      - fraud
      - API
      - liability
      - authorisation
      - POS
      - security
      - data
      - access
      - outsourcing
      - system
      - ITS
      - EBA
      - reporting
      - notification
      - customer
      - customer data
      - competent authority
      - financial information service provider
      - legal representative
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 5
        paragraph: "1"
      - target: Article 13
    external_references:
      - instrument_type: regulation
        reference: "2022/2554"
    recitals: []

  - article_number: 13
    article_title: Legal representatives
    chunk_file: /fida/chunks/fida_t05_eligibility_for_data_access_and_organisa.md
    path: "Title V > Article 13"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - data_access
      - financial_services
      - payment_systems
      - liability
    keywords:
      - liability
      - data
      - access
      - competent authority
      - financial information service provider
      - legal representative
    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: 14
    article_title: Granting and withdrawal of authorisation of financial information service providers
    chunk_file: /fida/chunks/fida_t05_eligibility_for_data_access_and_organisa.md
    path: "Title V > Article 14"
    applies_to_entities:
      - competent_authorities
      - consumers
    topics:
      - data_access
      - financial_services
      - payment_systems
      - authorisation
      - outsourcing
      - competent_authorities
      - consumer_protection
      - internal_control
    keywords:
      - SCA
      - authorisation
      - supervision
      - consumer
      - POS
      - security
      - data
      - outsourcing
      - ITS
      - competent authority
      - financial information service provider
      - legal representative
    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:
      - target: Article 11
        paragraph: "1"
      - target: Article 11
        paragraph: "2"
      - target: Article 12
      - target: Article 13
    external_references: []
    recitals: []

  - article_number: 15
    article_title: Register
    chunk_file: /fida/chunks/fida_t05_eligibility_for_data_access_and_organisa.md
    path: "Title V > Article 15"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_banking_authority
      - data_holders
    topics:
      - data_access
      - financial_services
      - payment_systems
      - authorisation
      - competent_authorities
      - open_banking
    keywords:
      - authorisation
      - POS
      - data
      - access
      - scheme
      - ITS
      - EBA
      - data holder
      - data user
      - financial information service provider
    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: 16
    article_title: Organisational requirements for financial information service providers
    chunk_file: /fida/chunks/fida_t05_eligibility_for_data_access_and_organisa.md
    path: "Title V > Article 16"
    applies_to_entities: []
    topics:
      - data_access
      - financial_services
      - payment_systems
      - outsourcing
      - security
      - risk_assessment
      - internal_control
    keywords:
      - POS
      - security
      - data
      - access
      - outsourcing
      - third party
      - system
      - ITS
      - reporting
      - notification
      - customer
      - financial information service provider
    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:
      - instrument_type: regulation
        reference: "2022/2554"
    recitals: []

  - article_number: 17
    article_title: Competent authorities
    chunk_file: /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
    path: "Title VI > Article 17"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
      - financial_entities
    topics:
      - data_access
      - financial_services
      - supervision
    keywords:
      - POS
      - competent authority
      - financial institution
    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: "2022/2554"
    recitals: []

  - article_number: 18
    article_title: Powers of competent authorities
    chunk_file: /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
    path: "Title VI > Article 18"
    applies_to_entities:
      - member_states
      - competent_authorities
      - consumers
    topics:
      - data_access
      - financial_services
      - supervision
      - competent_authorities
      - information_requirements
      - enforcement
      - sanctions
      - conflicts_of_interest
    keywords:
      - interface
      - supervision
      - sanction
      - consumer
      - POS
      - data
      - access
      - third party
      - notification
      - customer
      - competent authority
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 19
    article_title: Settlement agreements and expedited enforcement procedures
    chunk_file: /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
    path: "Title VI > Article 19"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - data_access
      - financial_services
      - supervision
      - enforcement
      - sanctions
    keywords:
      - sanction
      - POS
      - settlement
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 20
    external_references: []
    recitals: []

  - article_number: 20
    article_title: Administrative penalties and other administrative measures
    chunk_file: /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
    path: "Title VI > Article 20"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - data_access
      - financial_services
      - supervision
      - authorisation
      - competent_authorities
      - enforcement
      - sanctions
      - governance
      - financial_statements
      - consolidation
    keywords:
      - authorisation
      - sanction
      - POS
      - ITS
      - financial information service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 18
      - target: Article 4
      - target: Article 5
      - target: Article 6
      - target: Article 7
      - target: Article 8
      - target: Article 9
      - target: Article 13
      - target: Article 16
      - target: Article 28
    external_references:
      - instrument_type: directive
        reference: "2013/34/EU"
    recitals: []

  - article_number: 21
    article_title: Periodic penalty payments
    chunk_file: /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
    path: "Title VI > Article 21"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - data_access
      - financial_services
      - supervision
      - competent_authorities
      - enforcement
    keywords:
      - penalty
      - POS
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 22
    article_title: Circumstances to be considered when determining administrative penalties and other administrative measures
    chunk_file: /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
    path: "Title VI > Article 22"
    applies_to_entities:
      - competent_authorities
    topics:
      - data_access
      - financial_services
      - supervision
      - enforcement
    keywords:
      - sanction
      - settlement
      - system
      - ITS
      - customer
      - competent authority
    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 19
      - target: Article 20
    external_references: []
    recitals: []

  - article_number: 23
    article_title: Professional secrecy
    chunk_file: /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
    path: "Title VI > Article 23"
    applies_to_entities:
      - competent_authorities
    topics:
      - data_access
      - financial_services
      - supervision
    keywords:
      - RTS
    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 26
    external_references: []
    recitals: []

  - article_number: 24
    article_title: Right of appeal
    chunk_file: /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
    path: "Title VI > Article 24"
    applies_to_entities:
      - competent_authorities
    topics:
      - data_access
      - financial_services
      - supervision
    keywords:
      - RTS
    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: 25
    article_title: Publication of decisions of competent authorities
    chunk_file: /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
    path: "Title VI > Article 25"
    applies_to_entities:
      - competent_authorities
    topics:
      - data_access
      - financial_services
      - supervision
      - data_protection
      - competent_authorities
      - enforcement
    keywords:
      - penalty
      - POS
      - data
      - settlement
      - competent authority
      - personal data
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 20
        paragraph: "3"
    external_references: []
    recitals: []

  - article_number: 26
    article_title: Cooperation and exchange of information between competent authorities
    chunk_file: /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
    path: "Title VI > Article 26"
    applies_to_entities:
      - member_states
      - competent_authorities
      - financial_entities
    topics:
      - data_access
      - financial_services
      - supervision
      - authorisation
      - data_protection
      - competent_authorities
    keywords:
      - authorisation
      - supervision
      - POS
      - data
      - competent authority
      - financial information service provider
      - financial institution
      - personal data
    contains:
      obligations: true
      prohibitions: true
      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: regulation
        reference: "2016/679"
    recitals: []

  - article_number: 27
    article_title: Settlement of disagreements between competent authorities
    chunk_file: /fida/chunks/fida_t06_competent_authorities_and_supervision_fr.md
    path: "Title VI > Article 27"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_banking_authority
    topics:
      - data_access
      - financial_services
      - supervision
    keywords:
      - cross-border
      - settlement
      - ITS
      - EBA
      - competent authority
    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 28
      - target: Article 29
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 28
    article_title: Cross-border access to data by financial information service providers
    chunk_file: /fida/chunks/fida_t07_cross_border_access_to_data.md
    path: "Title VII > Article 28"
    applies_to_entities:
      - member_states
      - competent_authorities
      - data_holders
      - financial_entities
    topics:
      - data_access
      - financial_services
      - payment_systems
      - authorisation
      - outsourcing
      - open_banking
      - passporting
    keywords:
      - authorisation
      - data
      - access
      - cross-border
      - scheme
      - ITS
      - customer
      - data holder
      - financial information service provider
      - financial institution
    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 2
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 29
    article_title: Reasons and communication
    chunk_file: /fida/chunks/fida_t07_cross_border_access_to_data.md
    path: "Title VII > Article 29"
    applies_to_entities:
      - competent_authorities
    topics:
      - data_access
      - financial_services
      - payment_systems
      - passporting
    keywords:
      - financial information service provider
    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 18
      - target: Article 28
    external_references: []
    recitals: []

  - article_number: 30
    article_title: Exercise of delegation
    chunk_file: /fida/chunks/fida_t08_final_provisions.md
    path: "Title VIII > Article 30"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - data_access
      - financial_services
      - final_provisions
    keywords:
      - POS
      - RTS
      - notification
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 11
    external_references: []
    recitals: []

  - article_number: 31
    article_title: Evaluation of this Regulation and report on access to financial data
    chunk_file: /fida/chunks/fida_t08_final_provisions.md
    path: "Title VIII > Article 31"
    applies_to_entities:
      - account_information_service_providers
      - european_commission
      - data_holders
    topics:
      - data_access
      - financial_services
      - final_provisions
      - open_banking
    keywords:
      - POS
      - data
      - access
      - scheme
      - ITS
      - data holder
      - data user
      - account information service provider
    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:
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 32
    article_title: Amendment to Regulation (EU) No 1093/2010
    chunk_file: /fida/chunks/fida_t08_final_provisions.md
    path: "Title VIII > Article 32"
    applies_to_entities:
      - credit_institutions
      - competent_authorities
      - european_central_bank
      - consumers
      - financial_entities
    topics:
      - data_access
      - financial_services
      - final_provisions
      - deposit_guarantee
    keywords:
      - supervision
      - consumer
      - POS
      - data
      - access
      - scheme
      - RTS
      - financial institution
      - credit institution
    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: "1093/2010"
      - instrument_type: directive
        reference: "2002/87/EC"
      - instrument_type: directive
        reference: "2008/48/EC"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2014/49/EU"
      - instrument_type: directive
        reference: "2014/92/EU"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: regulation
        reference: "1024/2013"
      - instrument_type: regulation
        reference: "648/2012"
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1095/2010"
      - instrument_type: directive
        reference: "2019/1937"
      - instrument_type: regulation
        reference: "1095/2010"
      - instrument_type: regulation
        reference: "2022/2554"
      - instrument_type: directive
        reference: "2019/1937"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 33
    article_title: Amendment to Regulation (EU) No 1094/2010
    chunk_file: /fida/chunks/fida_t08_final_provisions.md
    path: "Title VIII > Article 33"
    applies_to_entities: []
    topics:
      - data_access
      - financial_services
      - final_provisions
      - insurance
      - reinsurance
      - pensions
    keywords:
      - supervision
      - data
      - access
      - RTS
      - insurance undertaking
      - reinsurance undertaking
    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: "1094/2010"
      - instrument_type: directive
        reference: "2009/138/EC"
      - instrument_type: directive
        reference: "2002/87/EC"
      - instrument_type: directive
        reference: "2016/97"
      - instrument_type: directive
        reference: "2016/2341"
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1094/2010"
      - instrument_type: regulation
        reference: "1095/2010"
      - instrument_type: regulation
        reference: "1094/2010"
      - instrument_type: regulation
        reference: "2022/2554"
      - instrument_type: directive
        reference: "2019/1937"
      - instrument_type: regulation
        reference: "1094/2010"
    recitals: []

  - article_number: 34
    article_title: Amendment to Regulation (EU) No 1095/2010
    chunk_file: /fida/chunks/fida_t08_final_provisions.md
    path: "Title VIII > Article 34"
    applies_to_entities:
      - competent_authorities
    topics:
      - data_access
      - financial_services
      - final_provisions
      - investment_funds
      - prospectus
      - trading_venues
      - crypto_assets
    keywords:
      - data
      - access
      - RTS
      - ITS
      - financial information service provider
    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: "1095/2010"
      - instrument_type: directive
        reference: "98/26/EC"
      - instrument_type: directive
        reference: "2009/65/EC"
      - instrument_type: directive
        reference: "2011/61/EU"
      - instrument_type: regulation
        reference: "1060/2009"
      - instrument_type: directive
        reference: "2014/65/EU"
      - instrument_type: regulation
        reference: "2017/1129"
      - instrument_type: directive
        reference: "2002/87/EC"
      - instrument_type: directive
        reference: "2002/65/EC"
      - instrument_type: regulation
        reference: "1060/2009"
      - instrument_type: regulation
        reference: "1095/2010"
      - instrument_type: regulation
        reference: "2023/1114"
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: directive
        reference: "2013/36/EU"
      - instrument_type: directive
        reference: "2019/1937"
      - instrument_type: regulation
        reference: "1094/2010"
      - instrument_type: regulation
        reference: "1095/2010"
      - instrument_type: regulation
        reference: "2022/2554"
      - instrument_type: directive
        reference: "2019/1937"
      - instrument_type: regulation
        reference: "1095/2010"
    recitals: []

  - article_number: 35
    article_title: Amendment to Regulation (EU) 2022/2554
    chunk_file: /fida/chunks/fida_t08_final_provisions.md
    path: "Title VIII > Article 35"
    applies_to_entities: []
    topics:
      - data_access
      - financial_services
      - final_provisions
    keywords:
      - financial information service provider
    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:
      - instrument_type: regulation
        reference: "2022/2554"
      - instrument_type: regulation
        reference: "2022/2554"
    recitals: []

  - article_number: 36
    article_title: Entry into force and application
    chunk_file: /fida/chunks/fida_t08_final_provisions.md
    path: "Title VIII > Article 36"
    applies_to_entities:
      - member_states
    topics:
      - data_access
      - financial_services
      - final_provisions
    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: []