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

instrument_id: pad
celex: "32014L0092"
eli: "http://data.europa.eu/eli/dir/2014/92/oj"
full_title: Payment Accounts Directive 2014/92/EU
short_title: PAD
instrument_type: directive
document_type: directive
normative_weight: binding
jurisdiction: EU
effective_period:
  from: "2014-09-17"
  to: null
dates:
  adopted: "2014-07-23"
  entered_into_force: "2014-09-17"
status: in_force
legal_status: in_force
structure_levels:
  - title
  - chapter
  - article
total_articles: 31
total_recitals: 58
total_annexes: 0
definitions_article: 2
chunk_strategy: by_chapter
chunks:
  - /pad/chunks/recitals.md
  - /pad/chunks/pad_t01_subject_matter_scope_and_definitions.md
  - /pad/chunks/pad_t02_comparability_of_fees_connected_with_pay.md
  - /pad/chunks/pad_t03_switching.md
  - /pad/chunks/pad_t04_access_to_payment_accounts.md
  - /pad/chunks/pad_t05_competent_authorities_and_alternative_di.md
  - /pad/chunks/pad_t06_sanctions.md
  - /pad/chunks/pad_t07_final_provisions.md
key_dates:
  - date: "1951-07-28"
    type: citation
    article: "2"
    context: "…with no fixed address and persons seeking asylum under the Geneva Convention of 28 July 1951 Relating to the Status of Refugees,…"
  - date: "1967-01-31"
    type: citation
    article: "2"
    context: "…Convention of 28 July 1951 Relating to the Status of Refugees, the Protocol thereto of 31 January 1967 and other relevant international…"
  - date: "2014-07-23"
    type: lifecycle
    context: "Adopted"
  - date: "2014-09-17"
    type: application
    article: "29"
    context: "…2016. By way of derogation from the first subparagraph: (a) Article 3 shall apply from 17 September 2014; (b) Member States shall apply the…"
  - date: "2014-09-17"
    type: lifecycle
    context: "Entered into force"
  - date: "2015-03-18"
    type: deadline
    article: "3"
    context: "…EBA shall issue guidelines pursuant to Article 16 of Regulation (EU) No 1093/2010 by 18 March 2015. 3. Member States shall notify to the…"
  - date: "2015-09-18"
    type: deadline
    article: "3"
    context: "…notify to the Commission and to EBA the provisional lists referred to in paragraph 1 by 18 September 2015. On request, Member States shall…"
  - date: "2016-09-18"
    type: deadline
    article: "21"
    context: "…The first such notification shall be made as soon as possible and at the latest by 18 September 2016. 5. The competent authorities shall…"
  - date: "2016-09-18"
    type: deadline
    article: "29"
    context: "1. By 18 September 2016, Member States shall adopt and…"
  - date: "2016-09-18"
    type: deadline
    article: "3"
    context: "…EBA shall submit those draft regulatory technical standards to the Commission by 18 September 2016 Power is delegated to the Commission…"
  - date: "2016-09-18"
    type: deadline
    article: "4"
    context: "…EBA shall submit those draft implementing technical standards to the Commission by 18 September 2016. Power is conferred on the Commission…"
  - date: "2016-09-18"
    type: deadline
    article: "5"
    context: "…technical standards referred to in the first subparagraph to the Commission by 18 September 2016. Power is conferred on the Commission…"
  - date: "2018-09-18"
    type: deadline
    article: "27"
    context: "…shall provide the Commission with information on the following for the first time by 18 September 2018 and every two years thereafter: (a)…"
  - date: "2018-09-18"
    type: review
    article: "27"
    context: "…that have been refused. 2. The Commission shall prepare a report for the first time by 18 September 2018 and every two years thereafter, on…"
  - date: "2019-09-18"
    type: review
    article: "28"
    context: "1. By 18 September 2019, the Commission shall submit to the…"

generated_at: "2026-09-08T12:37:03.296Z"

articles:
  - article_number: 1
    article_title: Subject matter and scope
    chunk_file: /pad/chunks/pad_t01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Article 1"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - scope
      - general_provisions
      - definitions
    keywords:
      - consumer
      - transaction
      - transfer
      - credit transfer
      - third party
      - cross-border
      - payment account
      - payment service
      - payment transaction
      - payment service provider
      - credit institution
      - fees
      - switching
      - funds
    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: "2013/36/EU"
      - instrument_type: directive
        reference: "2005/60/EC"
    recitals: []

  - article_number: 2
    article_title: Definitions
    chunk_file: /pad/chunks/pad_t01_subject_matter_scope_and_definitions.md
    path: "Title 1 > Article 2"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - scope
      - general_provisions
      - definitions
    keywords:
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - electronic money
      - POS
      - access
      - consent
      - cross-border
      - ITS
      - legally resident in the union
      - payment account
      - payment service
      - payment transaction
      - services linked to the payment account
      - payment service provider
      - credit institution
    contains:
      obligations: false
      prohibitions: false
      permissions: true
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 21
    external_references:
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: regulation
        reference: "575/2013"
      - instrument_type: directive
        reference: "2009/110/EC"
    recitals: []

  - article_number: 3
    article_title: List of the most representative services linked to a payment account and subject to a fee at national level and standardised terminology
    chunk_file: /pad/chunks/pad_t02_comparability_of_fees_connected_with_pay.md
    path: "Title 2 > Article 3"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_banking_authority
      - european_commission
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
    keywords:
      - consumer
      - POS
      - data
      - EBA
      - guidelines
      - payment account
      - payment service
      - payment service provider
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: true
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 4
    article_title: Fee information document and glossary
    chunk_file: /pad/chunks/pad_t02_comparability_of_fees_connected_with_pay.md
    path: "Title 2 > Article 4"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
    keywords:
      - consumer
      - POS
      - access
      - ITS
      - EBA
      - payment account
      - payment service
      - payment service provider
      - fees
      - durable medium
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: true
      transitional: false
    internal_references:
      - target: Article 3
        paragraph: "5"
      - target: Article 3
        paragraph: "6"
    external_references:
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: directive
        reference: "2008/48/EC"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 5
    article_title: Statement of fees
    chunk_file: /pad/chunks/pad_t02_comparability_of_fees_connected_with_pay.md
    path: "Title 2 > Article 5"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
    keywords:
      - consumer
      - ITS
      - EBA
      - payment account
      - payment service
      - payment service provider
      - fees
      - credit interest rate
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: true
      transitional: false
    internal_references:
      - target: Article 3
        paragraph: "5"
      - target: Article 3
        paragraph: "6"
    external_references:
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: directive
        reference: "2008/48/EC"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals:
      - 56

  - article_number: 6
    article_title: Information for consumers
    chunk_file: /pad/chunks/pad_t02_comparability_of_fees_connected_with_pay.md
    path: "Title 2 > Article 6"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
    keywords:
      - consumer
      - payment service
      - payment service provider
      - fees
    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: "5"
    external_references: []
    recitals:
      - 55

  - article_number: 7
    article_title: Comparison websites
    chunk_file: /pad/chunks/pad_t02_comparability_of_fees_connected_with_pay.md
    path: "Title 2 > Article 7"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
    keywords:
      - consumer
      - ATM
      - access
      - payment account
      - payment service
      - payment service provider
      - fees
    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: "5"
    external_references: []
    recitals: []

  - article_number: 8
    article_title: Payment accounts packaged with another product or service
    chunk_file: /pad/chunks/pad_t02_comparability_of_fees_connected_with_pay.md
    path: "Title 2 > Article 8"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
    keywords:
      - consumer
      - SEPA
      - POS
      - payment account
      - payment service
      - payment service provider
      - fees
    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: Provision of the switching service
    chunk_file: /pad/chunks/pad_t03_switching.md
    path: "Title 3 > Article 9"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
    keywords:
      - consumer
      - payment account
      - payment service
      - payment service provider
      - switching
      - switching service
    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: The switching service
    chunk_file: /pad/chunks/pad_t03_switching.md
    path: "Title 3 > Article 10"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - authorisation
    keywords:
      - authorisation
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - POS
      - consent
      - system
      - ITS
      - payment account
      - payment service
      - payment transaction
      - payment service provider
      - payment instrument
      - transferring payment service provider
      - receiving payment service provider
      - switching
    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:
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: regulation
        reference: "260/2012"
      - instrument_type: directive
        reference: "2007/64/EC"
    recitals: []

  - article_number: 11
    article_title: Facilitation of cross-border account-opening for consumers
    chunk_file: /pad/chunks/pad_t03_switching.md
    path: "Title 3 > Article 11"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
    keywords:
      - consumer
      - transfer
      - direct debit
      - credit transfer
      - POS
      - cross-border
      - ITS
      - payment account
      - payment service
      - payment service provider
      - standing order
      - business day
    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: "2007/64/EC"
    recitals: []

  - article_number: 12
    article_title: Fees connected with the switching service
    chunk_file: /pad/chunks/pad_t03_switching.md
    path: "Title 3 > Article 12"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
    keywords:
      - consumer
      - transfer
      - direct debit
      - access
      - ITS
      - payment account
      - payment service
      - payment service provider
      - transferring payment service provider
      - receiving payment service provider
      - fees
      - switching
      - switching service
      - standing order
    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
        paragraph: "4"
      - target: Article 10
    external_references:
      - instrument_type: directive
        reference: "2007/64/EC"
    recitals: []

  - article_number: 13
    article_title: Financial loss for consumers
    chunk_file: /pad/chunks/pad_t03_switching.md
    path: "Title 3 > Article 13"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - liability
    keywords:
      - liability
      - refund
      - consumer
      - RTS
      - ITS
      - payment service
      - payment service provider
      - switching
    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 10
    external_references: []
    recitals: []

  - article_number: 14
    article_title: Information about the switching service
    chunk_file: /pad/chunks/pad_t03_switching.md
    path: "Title 3 > Article 14"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - deposit_guarantee
    keywords:
      - consumer
      - transfer
      - POS
      - access
      - scheme
      - ITS
      - payment service
      - payment service provider
      - receiving payment service provider
      - fees
      - durable medium
      - switching
      - switching service
    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 10
      - target: Article 24
    external_references: []
    recitals: []

  - article_number: 15
    article_title: Non-discrimination
    chunk_file: /pad/chunks/pad_t04_access_to_payment_accounts.md
    path: "Title 4 > Article 15"
    applies_to_entities:
      - credit_institutions
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - data_access
      - payment_systems
    keywords:
      - consumer
      - access
      - legally resident in the union
      - payment account
      - credit 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:
      - target: Article 21
    external_references: []
    recitals: []

  - article_number: 16
    article_title: Right of access to a payment account with basic features
    chunk_file: /pad/chunks/pad_t04_access_to_payment_accounts.md
    path: "Title 4 > Article 16"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - data_access
      - payment_systems
      - enforcement
      - aml
    keywords:
      - consumer
      - POS
      - security
      - access
      - RTS
      - ITS
      - legally resident in the union
      - payment account
      - credit institution
      - business day
      - competent authority
    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 17
        paragraph: "1"
      - target: Article 25
    external_references:
      - instrument_type: directive
        reference: "2005/60/EC"
    recitals: []

  - article_number: 17
    article_title: Characteristics of a payment account with basic features
    chunk_file: /pad/chunks/pad_t04_access_to_payment_accounts.md
    path: "Title 4 > Article 17"
    applies_to_entities:
      - credit_institutions
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - data_access
      - payment_systems
    keywords:
      - consumer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - card
      - terminal
      - access
      - ITS
      - payment account
      - payment transaction
      - credit institution
      - fees
      - standing order
      - funds
      - overdraft facility
    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 18
    external_references:
      - instrument_type: directive
        reference: "2008/48/EC"
    recitals: []

  - article_number: 18
    article_title: Associated fees
    chunk_file: /pad/chunks/pad_t04_access_to_payment_accounts.md
    path: "Title 4 > Article 18"
    applies_to_entities:
      - credit_institutions
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - data_access
      - payment_systems
    keywords:
      - consumer
      - scheme
      - payment account
      - credit institution
      - fees
      - framework contract
    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 17
      - target: Article 16
        paragraph: "2"
    external_references: []
    recitals: []

  - article_number: 19
    article_title: Framework contracts and termination
    chunk_file: /pad/chunks/pad_t04_access_to_payment_accounts.md
    path: "Title 4 > Article 19"
    applies_to_entities:
      - credit_institutions
      - member_states
      - competent_authorities
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - data_access
      - payment_systems
    keywords:
      - consumer
      - transaction
      - POS
      - security
      - access
      - ITS
      - notification
      - legally resident in the union
      - payment account
      - credit institution
      - framework contract
      - 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 17
        paragraph: "1"
    external_references:
      - instrument_type: directive
        reference: "2007/64/EC"
    recitals: []

  - article_number: 20
    article_title: General information on payment accounts with basic features
    chunk_file: /pad/chunks/pad_t04_access_to_payment_accounts.md
    path: "Title 4 > Article 20"
    applies_to_entities:
      - credit_institutions
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - data_access
      - payment_systems
    keywords:
      - consumer
      - access
      - settlement
      - payment account
      - credit institution
      - fees
    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: 21
    article_title: Competent authorities
    chunk_file: /pad/chunks/pad_t05_competent_authorities_and_alternative_di.md
    path: "Title 5 > Article 21"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - recovery_resolution
      - dispute_resolution
      - competent_authorities
    keywords:
      - supervision
      - POS
      - RTS
      - ITS
      - EBA
      - notification
      - payment service
      - payment service provider
      - competent authority
    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:
      - instrument_type: regulation
        reference: "1093/2010"
    recitals:
      - 35

  - article_number: 22
    article_title: Obligation to cooperate
    chunk_file: /pad/chunks/pad_t05_competent_authorities_and_alternative_di.md
    path: "Title 5 > Article 22"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_commission
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - recovery_resolution
      - dispute_resolution
      - competent_authorities
    keywords:
      - POS
      - security
      - competent authority
    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: []
    recitals: []

  - article_number: 23
    article_title: Settlement of disagreements between competent authorities of different Member States
    chunk_file: /pad/chunks/pad_t05_competent_authorities_and_alternative_di.md
    path: "Title 5 > Article 23"
    applies_to_entities:
      - member_states
      - competent_authorities
      - european_banking_authority
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - recovery_resolution
      - dispute_resolution
    keywords:
      - settlement
      - EBA
    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"
    recitals: []

  - article_number: 24
    article_title: Alternative dispute resolution
    chunk_file: /pad/chunks/pad_t05_competent_authorities_and_alternative_di.md
    path: "Title 5 > Article 24"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - recovery_resolution
      - dispute_resolution
    keywords:
      - consumer
      - access
      - settlement
    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: "2013/11/EU"
    recitals: []

  - article_number: 25
    article_title: Mechanism in the event of refusal of a payment account for which a fee is charged
    chunk_file: /pad/chunks/pad_t05_competent_authorities_and_alternative_di.md
    path: "Title 5 > Article 25"
    applies_to_entities:
      - credit_institutions
      - member_states
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - recovery_resolution
      - dispute_resolution
    keywords:
      - consumer
      - access
      - payment account
      - credit institution
    contains:
      obligations: false
      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 16
    external_references: []
    recitals: []

  - article_number: 26
    article_title: Sanctions
    chunk_file: /pad/chunks/pad_t06_sanctions.md
    path: "Title 6 > Article 26"
    applies_to_entities:
      - member_states
      - competent_authorities
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - enforcement
      - sanctions
      - liability
    keywords:
      - sanction
      - POS
      - competent authority
    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:
      - 1

  - article_number: 27
    article_title: Evaluation
    chunk_file: /pad/chunks/pad_t07_final_provisions.md
    path: "Title 7 > Article 27"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - european_commission
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - final_provisions
    keywords:
      - payment account
      - payment service
      - payment service provider
      - credit institution
      - switching
    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 4
      - target: Article 5
      - target: Article 6
      - target: Article 7
    external_references: []
    recitals: []

  - article_number: 28
    article_title: Review
    chunk_file: /pad/chunks/pad_t07_final_provisions.md
    path: "Title 7 > Article 28"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - final_provisions
      - enforcement
    keywords:
      - consumer
      - payee
      - payer
      - transfer
      - POS
      - access
      - cross-border
      - ITS
      - notification
      - payment account
      - payment service
      - payment service provider
      - credit institution
      - transferring payment service provider
      - fees
      - switching
      - switching service
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: true
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 10
      - target: Article 11
      - target: Article 27
      - target: Article 7
      - target: Article 8
    external_references: []
    recitals: []

  - article_number: 29
    article_title: Transposition
    chunk_file: /pad/chunks/pad_t07_final_provisions.md
    path: "Title 7 > Article 29"
    applies_to_entities:
      - member_states
      - european_commission
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - final_provisions
    keywords:
      - POS
      - ITS
      - fees
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 3
      - target: Article 4
        paragraph: "1"
      - target: Article 5
        paragraph: "1"
      - target: Article 5
        paragraph: "2"
      - target: Article 5
        paragraph: "3"
      - target: Article 6
        paragraph: "1"
      - target: Article 6
        paragraph: "2"
      - target: Article 7
      - target: Article 3
        paragraph: "4"
    external_references: []
    recitals: []

  - article_number: 30
    article_title: Entry into force
    chunk_file: /pad/chunks/pad_t07_final_provisions.md
    path: "Title 7 > Article 30"
    applies_to_entities: []
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - 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: []

  - article_number: 31
    article_title: Addressees
    chunk_file: /pad/chunks/pad_t07_final_provisions.md
    path: "Title 7 > Article 31"
    applies_to_entities:
      - member_states
    topics:
      - payments
      - payment_accounts
      - consumer_protection
      - final_provisions
    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: []