# Instrument Metadata # Output tuned for LLM consumption -- deterministic parse of the # EUR-Lex source, no LLM involved in generation. instrument_id: psd-3 celex: "52023PC0366" eli: null full_title: Third Payment Services Directive (Proposal) short_title: PSD3 instrument_type: directive document_type: proposal normative_weight: non_binding jurisdiction: EU effective_period: from: null to: null dates: proposed: "2023-06-28" status: proposal structure_levels: - title - chapter - article total_articles: 51 total_recitals: 77 definitions_article: 2 chunk_strategy: by_chapter chunks: - /psd-3/chunks/preamble.md - /psd-3/chunks/recitals.md - /psd-3/chunks/psd-3_t01_subject_matter_scope_and_definitions.md - /psd-3/chunks/psd-3_t02_payment_institutions.md - /psd-3/chunks/psd-3_t03_delegated_acts_and_regulatory_technical_.md - /psd-3/chunks/psd-3_t04_final_provisions.md generated_at: "2026-05-01T17:47:30.428Z" articles: - article_number: 1 article_title: Subject matter and scope chunk_file: /psd-3/chunks/psd-3_t01_subject_matter_scope_and_definitions.md path: "Title I > Article 1" applies_to_entities: - payment_service_providers - payment_institutions - member_states topics: - payments - payment_services - scope - general_provisions - definitions keywords: - supervision - electronic money - access - payment service - payment institution - payment service provider - electronic money services 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: "5" external_references: - instrument_type: directive reference: "2013/36/EU" recitals: [] - article_number: 2 article_title: Definitions chunk_file: /psd-3/chunks/psd-3_t01_subject_matter_scope_and_definitions.md path: "Title I > Article 2" applies_to_entities: - payment_service_providers - payment_institutions - account_servicing_payment_service_providers - payment_initiation_service_providers - account_information_service_providers - credit_institutions - member_states - consumers - technical_service_providers - payment_systems topics: - payments - payment_services - scope - general_provisions - definitions - fraud_prevention - authorisation - payment_systems - own_funds - funds_transfer keywords: - fraud - API - authorisation - consumer - payee - payer - transaction - transfer - electronic money - POS - ATM - credential - security - data - agent - branch - settlement - clearing - system - ITS 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 13 - target: Article 34 - target: Article 36 - target: Article 38 - target: Article 22 paragraph: "1" - target: Article 4 - target: Article 5 - target: Article 6 - target: Article 7 - target: Article 10 paragraph: "1" - target: Article 113 paragraph: "6" - target: Article 4 paragraph: "1" - target: Article 50 external_references: - instrument_type: regulation reference: "2022/2554" - instrument_type: directive reference: "2013/34/EU" - instrument_type: regulation reference: "575/2013" recitals: - 13 - 71 - article_number: 3 article_title: Applications for authorisation chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 3" applies_to_entities: - payment_service_providers - payment_institutions - account_information_service_providers - member_states - competent_authorities - european_banking_authority - european_commission - consumers - payment_systems topics: - payments - payment_services - fraud_prevention - authorisation - liability - data_protection - operational_resilience - incident_reporting - outsourcing - information_requirements - payment_systems - security - winding_up - aml - risk_assessment - internal_control keywords: - fraud - API - liability - authorisation - transaction - electronic money - POS - ATM - security - data - access - outsourcing - agent - branch - system - ITS - EBA - reporting - notification - home member state 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 2 paragraph: "1" - target: Article 34 - target: Article 36 - target: Article 37 - target: Article 38 - target: Article 5 - target: Article 9 - target: Article 6 - target: Article 7 - target: Article 56 - target: Article 57 - target: Article 59 - target: Article 76 - target: Article 10 external_references: - instrument_type: regulation reference: "2022/2554" - instrument_type: regulation reference: "2016/679" - instrument_type: directive reference: "2015/849" - instrument_type: regulation reference: "2015/847" - instrument_type: regulation reference: "575/2013" - instrument_type: directive reference: "2006/43/EC" - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "1093/2010" recitals: [] - article_number: 4 article_title: Control of the shareholding chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 4" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - competent_authorities - information_requirements keywords: - API - penalty - POS - ITS - payment institution 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: - instrument_type: regulation reference: "575/2013" - instrument_type: directive reference: "2013/36/EU" recitals: [] - article_number: 5 article_title: Initial capital chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 5" applies_to_entities: - payment_institutions - member_states topics: - payments - payment_services - authorisation keywords: - API - authorisation - electronic money - ITS - payment service - payment institution - electronic money services 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: "575/2013" recitals: - 67 - article_number: 6 article_title: Own funds chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 6" applies_to_entities: - payment_institutions - credit_institutions - member_states - competent_authorities topics: - payments - payment_services - supervision - own_funds - insurance keywords: - API - supervision - electronic money - payment institution - funds - group - own funds - electronic money services 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 - target: Article 7 - target: Article 8 external_references: - instrument_type: regulation reference: "575/2013" - instrument_type: directive reference: "2013/36/EU" recitals: [] - article_number: 7 article_title: Calculation of own funds for payment institutions not offering electronic money services chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 7" applies_to_entities: - payment_institutions - member_states - competent_authorities - european_banking_authority - european_commission topics: - payments - payment_services - outsourcing - competent_authorities - own_funds - internal_control keywords: - SCA - API - supervision - transaction - electronic money - POS - data - outsourcing - ITS - EBA - payment service - payment institution - payment transaction - payment initiation service - account information service - funds - own funds - electronic money services contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: true implementing_powers: false rts_mandate: true its_mandate: false transitional: true internal_references: - target: Article 5 - target: Article 10 external_references: - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "1093/2010" recitals: [] - article_number: 8 article_title: Calculation of own funds for payment institutions offering electronic money services chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 8" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - own_funds keywords: - API - electronic money - data - ITS - payment service - payment institution - funds - own funds - average outstanding electronic money - electronic money services 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 5 - target: Article 7 - target: Article 10 external_references: [] recitals: [] - article_number: 9 article_title: Safeguarding requirements chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 9" applies_to_entities: - payment_service_providers - payment_institutions - credit_institutions - member_states - competent_authorities - european_banking_authority - european_commission - consumers topics: - payments - payment_services - authorisation - large_exposures - investment_funds keywords: - API - consumer - payee - transaction - transfer - SEPA - electronic money - POS - security - data - ITS - EBA - home member state - payment service - payment institution - payment transaction - payment service user - payment service provider - payment account - funds contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: true implementing_powers: false rts_mandate: true its_mandate: false transitional: true internal_references: - target: Article 336 paragraph: "4" - target: Article 10 - target: Article 11 - target: Article 12 - target: Article 13 external_references: - instrument_type: regulation reference: "575/2013" - instrument_type: directive reference: "2009/65/EC" - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "1093/2010" recitals: - 33 - 70 - article_number: 10 article_title: Activities chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 10" applies_to_entities: - payment_institutions - competent_authorities - consumers - payment_systems topics: - payments - payment_services - own_funds keywords: - consumer - transaction - electronic money - card - POS - data - system - ITS - payment service - payment institution - payment transaction - execution of a payment transaction - payment system - payment service user - payment account - funds - own funds - electronic money services 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 13 paragraph: "6" - target: Article 30 - target: Article 9 external_references: - instrument_type: directive reference: "2013/36/EU" - instrument_type: directive reference: "2013/36" - instrument_type: directive reference: "2008/48/EC" recitals: [] - article_number: 11 article_title: Accounting and statutory audit chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 11" applies_to_entities: - payment_institutions - member_states topics: - payments - payment_services - audit keywords: - SEPA - electronic money - POS - payment service - payment institution - electronic money services 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: "1" external_references: - instrument_type: directive reference: "2013/34/EU" - instrument_type: directive reference: "2006/43/EC" - instrument_type: directive reference: "2013/36/EU" recitals: [] - article_number: 12 article_title: Record-keeping chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 12" applies_to_entities: - payment_institutions - member_states topics: - payments - payment_services - authorisation - data_protection keywords: - authorisation - POS - data - payment institution 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 16 external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 13 article_title: Granting of authorisation chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 13" applies_to_entities: - payment_institutions - credit_institutions - member_states - competent_authorities - european_banking_authority topics: - payments - payment_services - authorisation - competent_authorities - internal_control - passporting keywords: - SCA - API - authorisation - SEPA - electronic money - POS - ITS - EBA - guidelines - home member state - payment service - payment institution - electronic money services 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: "3" - target: Article 5 - target: Article 3 paragraph: "4" - target: Article 3 external_references: - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "575/2013" recitals: [] - article_number: 14 article_title: Communication of the decision to authorise or refuse authorisation chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 14" applies_to_entities: - competent_authorities topics: - payments - payment_services - authorisation - competent_authorities keywords: - authorisation 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 - target: Article 3 paragraph: "3" external_references: [] recitals: [] - article_number: 15 article_title: Maintenance of the authorisation as a payment institution chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 15" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - authorisation keywords: - authorisation - payment 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 3 external_references: [] recitals: [] - article_number: 16 article_title: Withdrawal of the authorisation as a payment institution chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 16" applies_to_entities: - payment_institutions - member_states - competent_authorities - payment_systems topics: - payments - payment_services - authorisation - competent_authorities - payment_systems - aml keywords: - authorisation - electronic money - system - ITS - home member state - payment service - payment institution - payment system - electronic money services 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 17 - target: Article 18 external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 17 article_title: Register of payment institutions in the home Member State chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 17" applies_to_entities: - payment_institutions - member_states - competent_authorities - european_banking_authority topics: - payments - payment_services - authorisation - competent_authorities keywords: - authorisation - SEPA - electronic money - access - agent - branch - EBA - home member state - payment institution - distributor - electronic money services 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 34 - target: Article 36 - target: Article 38 - target: Article 13 - target: Article 1 paragraph: "2" external_references: - instrument_type: regulation reference: "1093/2010" recitals: [] - article_number: 18 article_title: EBA register chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 18" applies_to_entities: - payment_service_providers - payment_institutions - credit_institutions - competent_authorities - european_banking_authority - european_commission topics: - payments - payment_services - authorisation - competent_authorities keywords: - authorisation - data - access - agent - branch - ITS - EBA - payment service - payment institution - payment service provider - business day - distributor contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: true implementing_powers: false rts_mandate: true its_mandate: true transitional: true internal_references: - target: Article 34 - target: Article 36 - target: Article 38 - target: Article 17 - target: Article 10 external_references: - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "1093/2010" recitals: [] - article_number: 19 article_title: Use of agents chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 19" applies_to_entities: - payment_service_providers - payment_institutions - member_states - competent_authorities - consumers topics: - payments - payment_services - competent_authorities - fit_and_proper - internal_control keywords: - agent - ITS - home member state - payment service - payment institution - payment service user - payment 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: - target: Article 17 - target: Article 30 external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 20 article_title: Distributors of electronic money services chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 20" applies_to_entities: - payment_institutions - member_states topics: - payments - payment_services keywords: - electronic money - payment institution - distributor - electronic money services contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: true implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 19 - target: Article 30 - target: Article 31 - target: Article 32 - target: Article 33 - target: Article 31 paragraph: "4" - target: Article 31 paragraph: "5" - target: Article 30 paragraph: "5" external_references: [] recitals: [] - article_number: 21 article_title: Branches chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 21" applies_to_entities: - payment_institutions - member_states - consumers topics: - payments - payment_services keywords: - branch - home member state - payment service - payment institution - payment service user contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 30 external_references: [] recitals: [] - article_number: 22 article_title: Entities to which activities are outsourced chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 22" applies_to_entities: - payment_institutions - member_states - competent_authorities - consumers topics: - payments - payment_services - authorisation - outsourcing - internal_control keywords: - authorisation - electronic money - outsourcing - system - ITS - home member state - payment service - payment institution - payment service user - electronic money services 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: 23 article_title: Liability chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 23" applies_to_entities: - payment_institutions - member_states topics: - payments - payment_services - liability - outsourcing keywords: - liability - agent - branch - payment institution - distributor 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: 24 article_title: Designation of competent authorities chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 24" applies_to_entities: - payment_institutions - credit_institutions - member_states - competent_authorities - european_commission topics: - payments - payment_services - authorisation - competent_authorities - conflicts_of_interest keywords: - authorisation - supervision - POS - home member state - payment service - payment institution 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 paragraph: "1" external_references: [] recitals: [] - article_number: 25 article_title: Supervision chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 25" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - authorisation - outsourcing - competent_authorities - enforcement keywords: - API - authorisation - supervision - electronic money - POS - agent - branch - guidelines - payment service - payment institution - distributor - electronic money services 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 16 - target: Article 5 - target: Article 6 paragraph: "1" - target: Article 6 paragraph: "2" - target: Article 7 - target: Article 8 external_references: [] recitals: [] - article_number: 26 article_title: Professional secrecy chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 26" applies_to_entities: - member_states - competent_authorities topics: - payments - payment_services 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: - target: Article 28 - target: Article 53 - target: Article 54 - target: Article 55 - target: Article 56 - target: Article 57 - target: Article 58 - target: Article 59 - target: Article 60 external_references: - instrument_type: directive reference: "2013/36/EU" recitals: [] - article_number: 27 article_title: Right to apply to the courts chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 27" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services keywords: - RTS - payment 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: [] recitals: [] - article_number: 28 article_title: Cooperation and exchange of information chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 28" applies_to_entities: - payment_service_providers - payment_institutions - credit_institutions - member_states - competent_authorities - european_banking_authority - european_central_bank topics: - payments - payment_services - authorisation keywords: - authorisation - supervision - settlement - system - ITS - EBA - payment service - payment institution - payment 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: - instrument_type: regulation reference: "1093/2010" - instrument_type: directive reference: "2015/849" - instrument_type: regulation reference: "1093/2010" recitals: [] - article_number: 29 article_title: Settlement of disagreements between competent authorities of different Member States chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 29" applies_to_entities: - member_states - competent_authorities - european_banking_authority topics: - payments - payment_services keywords: - cross-border - settlement - ITS - 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: - target: Article 28 - target: Article 30 - target: Article 31 - target: Article 32 - target: Article 33 - target: Article 19 paragraph: "1" - target: Article 19 external_references: - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "1093/2010" recitals: [] - article_number: 30 article_title: Application to exercise the right of establishment and freedom to provide services chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 30" applies_to_entities: - payment_institutions - member_states - competent_authorities - european_banking_authority - european_commission - consumers topics: - payments - payment_services - authorisation - outsourcing - aml - passporting keywords: - authorisation - electronic money - ATM - agent - branch - cross-border - ITS - EBA - notification - home member state - host member state - payment service - payment institution - payment service user - distributor - electronic money services contains: obligations: true prohibitions: false permissions: true definitions: true penalties: false delegated_powers: true implementing_powers: false rts_mandate: true its_mandate: false transitional: true internal_references: - target: Article 19 - target: Article 20 - target: Article 3 paragraph: "3" - target: Article 17 - target: Article 10 external_references: - instrument_type: directive reference: "2015/849" - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "1093/2010" recitals: [] - article_number: 31 article_title: Supervision of payment institutions exercising the right of establishment and freedom to provide services chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 31" applies_to_entities: - payment_institutions - member_states - competent_authorities - european_banking_authority - european_commission topics: - payments - payment_services - competent_authorities - enforcement - passporting keywords: - supervision - transaction - electronic money - POS - agent - branch - RTS - EBA - reporting - home member state - host member state - payment service - payment institution - distributor - electronic money services contains: obligations: true prohibitions: false permissions: true definitions: false penalties: false delegated_powers: true implementing_powers: false rts_mandate: true its_mandate: false transitional: true internal_references: - target: Article 26 - target: Article 13 paragraph: "3" - target: Article 10 external_references: - instrument_type: regulation reference: "1093/2010" - instrument_type: regulation reference: "1093/2010" recitals: [] - article_number: 32 article_title: "Measures in case of non-compliance, including precautionary measures" chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 32" applies_to_entities: - payment_institutions - member_states - competent_authorities - european_banking_authority - european_commission - consumers topics: - payments - payment_services - competent_authorities keywords: - POS - agent - branch - cross-border - ITS - EBA - home member state - host member state - payment service - payment institution - payment service user - distributor 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 31 - target: Article 29 paragraph: "1" external_references: - instrument_type: regulation reference: "1093/2010" recitals: [] - article_number: 33 article_title: Reasons and communication chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 33" applies_to_entities: - payment_institutions - competent_authorities topics: - payments - payment_services - passporting keywords: - payment institution 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 25 - target: Article 30 - target: Article 29 - target: Article 32 external_references: - instrument_type: directive reference: "2015/849" - instrument_type: regulation reference: "2015/847" recitals: [] - article_number: 34 article_title: Optional exemptions chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 34" applies_to_entities: - payment_institutions - member_states - competent_authorities - consumers topics: - payments - payment_services - authorisation - competent_authorities - aml keywords: - authorisation - consumer - transaction - electronic money - POS - data - agent - ITS - home member state - payment service - payment institution - payment transaction - payment account - payment instrument - average outstanding electronic money - electronic money services 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 17 - target: Article 18 - target: Article 24 - target: Article 26 - target: Article 27 - target: Article 28 - target: Article 10 - target: Article 3 paragraph: "3" - target: Article 13 paragraph: "6" - target: Article 30 - target: Article 31 - target: Article 32 - target: Article 13 external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 35 article_title: Notification and information chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 35" applies_to_entities: - member_states - european_commission topics: - payments - payment_services keywords: - transaction - electronic money - ITS - notification - payment transaction 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 34 - target: Article 34 paragraph: "1" external_references: [] recitals: [] - article_number: 36 article_title: Account information service providers chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 36" applies_to_entities: - payment_service_providers - payment_institutions - account_servicing_payment_service_providers - account_information_service_providers - member_states - competent_authorities - consumers topics: - payments - payment_services - authorisation - liability - data_protection - operational_resilience keywords: - fraud - API - liability - authorisation - POS - security - data - access - system - ITS - home member state - payment service - payment institution - payment service user - payment service provider - payment account - account servicing payment service provider - account information service - account 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: - target: Article 3 paragraph: "3" - target: Article 25 paragraph: "3" external_references: - instrument_type: regulation reference: "2022/2554" recitals: [] - article_number: 37 article_title: Services where cash is provided in retail stores without a purchase chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 37" applies_to_entities: - member_states topics: - payments - payment_services - aml 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: false internal_references: [] external_references: - instrument_type: directive reference: "2015/849" recitals: [] - article_number: 38 article_title: Services enabling cash withdrawals offered by ATM deployers not servicing payment accounts chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 38" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - authorisation - data_protection - operational_resilience keywords: - liability - authorisation - POS - ATM - security - data - system - ITS - home member state - payment service - payment institution - payment account - atm deployer 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 3 paragraph: "3" - target: Article 25 paragraph: "3" external_references: - instrument_type: regulation reference: "2022/2554" recitals: [] - article_number: 39 article_title: Duty of notification chunk_file: /psd-3/chunks/psd-3_t02_payment_institutions.md path: "Title II > Article 39" applies_to_entities: - member_states - competent_authorities - european_banking_authority topics: - payments - payment_services - competent_authorities keywords: - transaction - network - ITS - EBA - notification - payment transaction 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" - target: Article 17 - target: Article 18 external_references: - instrument_type: regulation reference: "1093/2010" recitals: [] - article_number: 40 article_title: Delegated acts chunk_file: /psd-3/chunks/psd-3_t03_delegated_acts_and_regulatory_technical_.md path: "Title III > Article 40" applies_to_entities: [] topics: - payments - payment_services - delegated_acts keywords: [] contains: obligations: true prohibitions: false permissions: false definitions: false penalties: false delegated_powers: true implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 41 - target: Article 5 - target: Article 34 paragraph: "1" - target: Article 37 external_references: [] recitals: [] - article_number: 41 article_title: Exercise of the delegation chunk_file: /psd-3/chunks/psd-3_t03_delegated_acts_and_regulatory_technical_.md path: "Title III > Article 41" applies_to_entities: - european_commission topics: - payments - payment_services - delegated_acts keywords: - 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 40 external_references: [] recitals: [] - article_number: 42 article_title: Full harmonisation chunk_file: /psd-3/chunks/psd-3_t04_final_provisions.md path: "Title IV > Article 42" applies_to_entities: - payment_service_providers - member_states - european_commission - consumers topics: - payments - payment_services - final_provisions keywords: - POS - access - payment service - payment service user - payment service provider 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: - target: Article 6 paragraph: "3" - target: Article 34 external_references: [] recitals: - 77 - article_number: 43 article_title: Review clause chunk_file: /psd-3/chunks/psd-3_t04_final_provisions.md path: "Title IV > Article 43" applies_to_entities: - payment_institutions - european_commission - european_central_bank - technical_service_providers - payment_schemes - payment_systems topics: - payments - payment_services - final_provisions keywords: - wallet - POS - system - scheme - ITS - payment institution - payment system - funds - technical 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: "2014/49/EU" recitals: [] - article_number: 44 article_title: Transitional provisions chunk_file: /psd-3/chunks/psd-3_t04_final_provisions.md path: "Title IV > Article 44" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - final_provisions - authorisation - competent_authorities keywords: - authorisation - payment service - payment institution contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: true internal_references: - target: Article 3 - target: Article 13 - target: Article 17 - target: Article 18 - target: Article 34 external_references: - instrument_type: directive reference: "2015/2366" - instrument_type: directive reference: "2015/2366" recitals: [] - article_number: 45 article_title: Transitional provision – electronic money institutions authorised under Directive 2009/110/EC chunk_file: /psd-3/chunks/psd-3_t04_final_provisions.md path: "Title IV > Article 45" applies_to_entities: - payment_institutions - member_states - competent_authorities topics: - payments - payment_services - final_provisions - authorisation - competent_authorities keywords: - authorisation - electronic money - POS - payment institution - electronic money services contains: obligations: true prohibitions: true permissions: true definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: true internal_references: - target: Article 3 - target: Article 13 - target: Article 17 - target: Article 18 - target: Article 34 external_references: - instrument_type: directive reference: "2009/110" - instrument_type: directive reference: "2009/110/EC" - instrument_type: directive reference: "2009/110/EC" recitals: [] - article_number: 46 article_title: Amendments to Directive 98/26/EC chunk_file: /psd-3/chunks/psd-3_t04_final_provisions.md path: "Title IV > Article 46" applies_to_entities: - payment_institutions - credit_institutions - member_states - payment_systems topics: - payments - payment_services - final_provisions - authorisation - payment_systems - counterparty_credit_risk - derivatives_clearing keywords: - transfer - POS - agent - settlement - clearing - system - payment institution - payment system - payment system operator 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 34 - target: Article 36 - target: Article 38 external_references: - instrument_type: directive reference: "98/26/EC" - instrument_type: regulation reference: "575/2013" - instrument_type: directive reference: "2014/65/EU" - instrument_type: regulation reference: "648/2012" - instrument_type: directive reference: "98/26/EC" recitals: [] - article_number: 47 article_title: Amendment to Directive (EU) 2020/1828 chunk_file: /psd-3/chunks/psd-3_t04_final_provisions.md path: "Title IV > Article 47" applies_to_entities: [] topics: - payments - payment_services - final_provisions keywords: - data - access 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: "1093/2010" - instrument_type: regulation reference: "2022/2554" recitals: [] - article_number: 48 article_title: Repeal chunk_file: /psd-3/chunks/psd-3_t04_final_provisions.md path: "Title IV > Article 48" applies_to_entities: [] topics: - payments - payment_services - final_provisions 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: - instrument_type: directive reference: "2015/2366" - instrument_type: directive reference: "2009/110/EC" recitals: - 6 - article_number: 49 article_title: Transposition chunk_file: /psd-3/chunks/psd-3_t04_final_provisions.md path: "Title IV > Article 49" applies_to_entities: - member_states - european_commission topics: - payments - payment_services - final_provisions keywords: - POS 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: - target: Article 46 external_references: [] recitals: [] - article_number: 50 article_title: Entry into force chunk_file: /psd-3/chunks/psd-3_t04_final_provisions.md path: "Title IV > Article 50" applies_to_entities: [] topics: - payments - payment_services - 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: true internal_references: [] external_references: [] recitals: [] - article_number: 51 article_title: Addresses chunk_file: /psd-3/chunks/psd-3_t04_final_provisions.md path: "Title IV > Article 51" applies_to_entities: - payment_service_providers - member_states topics: - payments - payment_services - final_provisions - funds_transfer keywords: - transaction - transfer - electronic money - ITS - payment service - payment transaction - payment service provider - payment account - payment instrument - payment initiation service - account information service - money remittance - funds - acquiring of payment transactions - issuing of payment instruments - electronic money services contains: obligations: false prohibitions: false permissions: false definitions: false penalties: false delegated_powers: false implementing_powers: false rts_mandate: false its_mandate: false transitional: false internal_references: - target: Article 2 - target: Article 1 paragraph: "1" - target: Article 2 paragraph: "1" - target: Article 1 paragraph: "2" - target: Article 1 paragraph: "3" - target: Article 3 - target: Article 2 paragraph: "2" - target: Article 1 paragraph: "4" - target: Article 1 paragraph: "5" - target: Article 2 paragraph: "3" - target: Article 2 paragraph: "4" - target: Article 2 paragraph: "5" - target: Article 2 paragraph: "6" - target: Article 2 paragraph: "7" - target: Article 2 paragraph: "8" - target: Article 4 - target: Article 3 paragraph: "1" - target: Article 3 paragraph: "2" - target: Article 5 paragraph: "1" - target: Article 3 paragraph: "3" - target: Article 9 paragraph: "5" - target: Article 5 paragraph: "2" - target: Article 3 paragraph: "4" - target: Article 5 paragraph: "3" - target: Article 36 paragraph: "4" - target: Article 5 paragraph: "4" - target: Article 5 paragraph: "5" - target: Article 5 paragraph: "6" - target: Article 3 paragraph: "5" - target: Article 3 paragraph: "6" - target: Article 5 paragraph: "7" - target: Article 6 paragraph: "1" - target: Article 4 paragraph: "1" - target: Article 20 paragraph: "1" - target: Article 20 paragraph: "2" - target: Article 20 paragraph: "3" - target: Article 6 paragraph: "2" - target: Article 4 paragraph: "2" - target: Article 6 paragraph: "3" - target: Article 4 paragraph: "3" - target: Article 6 paragraph: "4" - target: Article 4 paragraph: "4" - target: Article 7 - target: Article 5 - target: Article 8 paragraph: "1" - target: Article 8 paragraph: "2" - target: Article 8 paragraph: "3" - target: Article 9 paragraph: "1" - target: Article 7 paragraph: "1" - target: Article 7 paragraph: "2" - target: Article 9 paragraph: "2" - target: Article 7 paragraph: "3" - target: Article 7 paragraph: "4" - target: Article 9 paragraph: "3" - target: Article 7 paragraph: "5" - target: Article 8 paragraph: "4" - target: Article 8 paragraph: "5" - target: Article 8 paragraph: "6" - target: Article 10 paragraph: "1" - target: Article 10 paragraph: "2" - target: Article 9 paragraph: "4" - target: Article 11 paragraph: "1" - target: Article 13 paragraph: "1" - target: Article 11 paragraph: "2" - target: Article 13 paragraph: "2" - target: Article 11 paragraph: "3" - target: Article 13 paragraph: "3" - target: Article 11 paragraph: "4" - target: Article 13 paragraph: "4" - target: Article 11 paragraph: "5" - target: Article 13 paragraph: "5" - target: Article 11 paragraph: "6" - target: Article 13 paragraph: "6" - target: Article 11 paragraph: "7" - target: Article 13 paragraph: "7" - target: Article 11 paragraph: "8" - target: Article 13 paragraph: "8" - target: Article 11 paragraph: "9" - target: Article 13 paragraph: "9" - target: Article 12 - target: Article 14 - target: Article 16 paragraph: "1" - target: Article 16 paragraph: "2" - target: Article 16 paragraph: "3" - target: Article 14 paragraph: "1" - target: Article 17 paragraph: "1" - target: Article 14 paragraph: "2" - target: Article 17 paragraph: "2" - target: Article 14 paragraph: "3" - target: Article 17 paragraph: "3" - target: Article 14 paragraph: "4" - target: Article 17 paragraph: "4" - target: Article 15 paragraph: "1" - target: Article 18 paragraph: "1" - target: Article 15 paragraph: "2" - target: Article 18 paragraph: "2" - target: Article 15 paragraph: "3" - target: Article 18 paragraph: "3" - target: Article 15 paragraph: "4" - target: Article 18 paragraph: "4" - target: Article 15 paragraph: "5" - target: Article 18 paragraph: "5" - target: Article 18 paragraph: "6" - target: Article 16 - target: Article 15 - target: Article 10 paragraph: "3" - target: Article 10 paragraph: "4" - target: Article 10 paragraph: "5" - target: Article 10 paragraph: "6" - target: Article 10 paragraph: "7" - target: Article 19 paragraph: "1" - target: Article 19 paragraph: "2" - target: Article 19 paragraph: "3" - target: Article 19 paragraph: "4" - target: Article 19 paragraph: "5" - target: Article 19 paragraph: "6" - target: Article 22 paragraph: "1" - target: Article 19 paragraph: "7" - target: Article 21 paragraph: "2" - target: Article 19 paragraph: "8" - target: Article 22 paragraph: "2" - target: Article 23 paragraph: "1" - target: Article 23 paragraph: "2" - target: Article 21 - target: Article 24 paragraph: "1" - target: Article 24 paragraph: "2" - target: Article 22 paragraph: "3" - target: Article 24 paragraph: "3" - target: Article 22 paragraph: "4" - target: Article 24 paragraph: "4" - target: Article 22 paragraph: "5" - target: Article 24 paragraph: "5" - target: Article 25 paragraph: "1" - target: Article 25 paragraph: "2" - target: Article 25 paragraph: "3" - target: Article 23 paragraph: "3" - target: Article 25 paragraph: "4" - target: Article 26 paragraph: "1" - target: Article 26 paragraph: "2" - target: Article 26 paragraph: "3" - target: Article 27 paragraph: "1" - target: Article 27 paragraph: "2" - target: Article 28 paragraph: "1" - target: Article 28 paragraph: "2" - target: Article 29 paragraph: "1" - target: Article 29 paragraph: "2" - target: Article 30 paragraph: "1" - target: Article 30 paragraph: "2" - target: Article 28 paragraph: "3" - target: Article 30 paragraph: "3" - target: Article 28 paragraph: "4" - target: Article 30 paragraph: "4" - target: Article 28 paragraph: "5" - target: Article 30 paragraph: "5" - target: Article 31 paragraph: "1" - target: Article 31 paragraph: "2" - target: Article 29 paragraph: "3" - target: Article 31 paragraph: "3" - target: Article 29 paragraph: "4" - target: Article 31 paragraph: "4" - target: Article 29 paragraph: "5" - target: Article 31 paragraph: "5" - target: Article 29 paragraph: "6" - target: Article 31 paragraph: "6" - target: Article 32 paragraph: "1" - target: Article 32 paragraph: "2" - target: Article 32 paragraph: "3" - target: Article 32 paragraph: "4" - target: Article 33 paragraph: "1" - target: Article 33 paragraph: "2" - target: Article 34 paragraph: "1" - target: Article 34 paragraph: "2" - target: Article 34 paragraph: "3" - target: Article 34 paragraph: "4" - target: Article 32 paragraph: "5" - target: Article 9 paragraph: "6" - target: Article 9 paragraph: "7" - target: Article 34 paragraph: "5" - target: Article 32 paragraph: "6" - target: Article 9 paragraph: "8" - target: Article 34 paragraph: "6" - target: Article 36 paragraph: "1" - target: Article 36 paragraph: "2" - target: Article 47 paragraph: "2" - target: Article 34 - target: Article 9 paragraph: "9" - target: Article 35 - target: Article 37 paragraph: "1" - target: Article 37 paragraph: "2" - target: Article 37 paragraph: "3" - target: Article 38 paragraph: "1" - target: Article 38 paragraph: "2" - target: Article 10 - target: Article 45 paragraph: "2" - target: Article 45 paragraph: "4" - target: Article 30 paragraph: "6" - target: Article 30 paragraph: "7" - target: Article 30 paragraph: "8" - target: Article 13 - target: Article 35 paragraph: "1" - target: Article 35 paragraph: "2" - target: Article 31 paragraph: "7" - target: Article 36 - target: Article 32 paragraph: "7" - target: Article 39 paragraph: "1" - target: Article 39 paragraph: "2" - target: Article 37 paragraph: "4" - target: Article 39 paragraph: "3" - target: Article 37 paragraph: "5" - target: Article 39 paragraph: "4" - target: Article 38 paragraph: "3" - target: Article 39 - target: Article 40 paragraph: "1" - target: Article 40 paragraph: "2" - target: Article 40 paragraph: "3" - target: Article 41 - target: Article 9 - target: Article 42 paragraph: "1" - target: Article 42 paragraph: "2" - target: Article 43 paragraph: "1" - target: Article 43 paragraph: "2" - target: Article 44 paragraph: "1" - target: Article 12 paragraph: "1" - target: Article 44 paragraph: "2" - target: Article 12 paragraph: "2" - target: Article 44 paragraph: "3" - target: Article 12 paragraph: "3" - target: Article 45 - target: Article 45 paragraph: "3" - target: Article 46 - target: Article 47 - target: Article 48 - target: Article 49 - target: Article 17 - target: Article 50 - target: Article 18 - target: Article 51 paragraph: "1" - target: Article 51 paragraph: "2" - target: Article 51 paragraph: "3" - target: Article 52 - target: Article 20 - target: Article 53 - target: Article 54 paragraph: "1" - target: Article 54 paragraph: "2" - target: Article 54 paragraph: "3" - target: Article 55 paragraph: "1" - target: Article 55 paragraph: "2" - target: Article 55 paragraph: "3" - target: Article 55 paragraph: "4" - target: Article 23 paragraph: "4" - target: Article 55 paragraph: "5" - target: Article 23 paragraph: "5" - target: Article 55 paragraph: "6" - target: Article 23 paragraph: "6" - target: Article 56 - target: Article 24 - target: Article 57 paragraph: "1" - target: Article 57 paragraph: "2" - target: Article 57 paragraph: "3" - target: Article 58 paragraph: "1" - target: Article 58 paragraph: "2" - target: Article 58 paragraph: "3" - target: Article 59 paragraph: "1" - target: Article 59 paragraph: "2" - target: Article 60 paragraph: "1" - target: Article 60 paragraph: "2" - target: Article 60 paragraph: "3" - target: Article 61 paragraph: "1" - target: Article 61 paragraph: "2" - target: Article 61 paragraph: "3" - target: Article 27 paragraph: "3" - target: Article 61 paragraph: "4" - target: Article 62 paragraph: "1" - target: Article 62 paragraph: "2" - target: Article 62 paragraph: "3" - target: Article 62 paragraph: "4" - target: Article 62 paragraph: "5" - target: Article 63 paragraph: "1" - target: Article 63 paragraph: "2" - target: Article 63 paragraph: "3" - target: Article 64 paragraph: "1" - target: Article 49 paragraph: "1" - target: Article 49 paragraph: "2" - target: Article 64 paragraph: "2" - target: Article 49 paragraph: "3" - target: Article 49 paragraph: "5" - target: Article 49 paragraph: "4" - target: Article 64 paragraph: "3" - target: Article 49 paragraph: "7" - target: Article 64 paragraph: "4" - target: Article 49 paragraph: "6" - target: Article 65 paragraph: "1" - target: Article 65 paragraph: "2" - target: Article 65 paragraph: "3" - target: Article 65 paragraph: "4" - target: Article 65 paragraph: "5" - target: Article 65 paragraph: "6" - target: Article 66 paragraph: "1" - target: Article 66 paragraph: "2" - target: Article 66 paragraph: "4" - target: Article 40 - target: Article 66 paragraph: "3" - target: Article 46 paragraph: "2" - target: Article 66 paragraph: "5" - target: Article 67 paragraph: "1" - target: Article 67 paragraph: "2" - target: Article 47 paragraph: "1" - target: Article 67 paragraph: "3" - target: Article 41 paragraph: "1" - target: Article 67 paragraph: "4" - target: Article 68 paragraph: "1" - target: Article 68 paragraph: "2" - target: Article 68 paragraph: "3" - target: Article 68 paragraph: "4" - target: Article 51 paragraph: "4" - target: Article 68 paragraph: "5" - target: Article 68 paragraph: "6" - target: Article 43 paragraph: "3" - target: Article 43 paragraph: "4" - target: Article 45 paragraph: "1" - target: Article 46 paragraph: "1" - target: Article 48 paragraph: "1" - target: Article 48 paragraph: "2" - target: Article 48 paragraph: "3" - target: Article 48 paragraph: "4" - target: Article 48 paragraph: "5" - target: Article 50 paragraph: "1" - target: Article 50 paragraph: "2" - target: Article 50 paragraph: "3" - target: Article 50 paragraph: "4" - target: Article 50 paragraph: "5" - target: Article 50 paragraph: "6" - target: Article 50 paragraph: "7" - target: Article 50 paragraph: "8" - target: Article 50 paragraph: "9" - target: Article 69 paragraph: "1" - target: Article 69 paragraph: "2" - target: Article 70 paragraph: "1" - target: Article 53 paragraph: "1" - target: Article 70 paragraph: "2" - target: Article 53 paragraph: "2" - target: Article 71 paragraph: "1" - target: Article 71 paragraph: "2" - target: Article 72 paragraph: "1" - target: Article 72 paragraph: "2" - target: Article 73 paragraph: "1" - target: Article 56 paragraph: "1" - target: Article 56 paragraph: "3" - target: Article 56 paragraph: "2" - target: Article 73 paragraph: "2" - target: Article 56 paragraph: "4" - target: Article 73 paragraph: "3" - target: Article 56 paragraph: "5" - target: Article 57 paragraph: "4" - target: Article 57 paragraph: "5" - target: Article 57 paragraph: "6" - target: Article 58 - target: Article 59 paragraph: "3" - target: Article 59 paragraph: "4" - target: Article 59 paragraph: "5" - target: Article 74 paragraph: "1" - target: Article 74 paragraph: "2" - target: Article 74 paragraph: "3" - target: Article 60 paragraph: "4" - target: Article 75 paragraph: "1" - target: Article 75 paragraph: "2" - target: Article 76 paragraph: "1" - target: Article 76 paragraph: "2" - target: Article 76 paragraph: "3" - target: Article 76 paragraph: "4" - target: Article 77 paragraph: "1" - target: Article 77 paragraph: "2" - target: Article 78 paragraph: "1" - target: Article 78 paragraph: "2" - target: Article 79 paragraph: "1" - target: Article 79 paragraph: "2" - target: Article 79 paragraph: "3" - target: Article 80 paragraph: "1" - target: Article 80 paragraph: "2" - target: Article 80 paragraph: "3" - target: Article 80 paragraph: "4" - target: Article 80 paragraph: "5" - target: Article 81 paragraph: "1" - target: Article 81 paragraph: "2" - target: Article 81 paragraph: "3" - target: Article 82 paragraph: "1" - target: Article 82 paragraph: "2" - target: Article 83 paragraph: "1" - target: Article 83 paragraph: "2" - target: Article 83 paragraph: "3" - target: Article 69 paragraph: "3" - target: Article 84 - target: Article 70 - target: Article 85 - target: Article 71 - target: Article 86 - target: Article 72 - target: Article 87 paragraph: "1" - target: Article 87 paragraph: "2" - target: Article 87 paragraph: "3" - target: Article 88 paragraph: "1" - target: Article 88 paragraph: "2" - target: Article 88 paragraph: "3" - target: Article 88 paragraph: "4" - target: Article 74 paragraph: "4" - target: Article 88 paragraph: "5" - target: Article 74 paragraph: "5" - target: Article 74 paragraph: "6" - target: Article 89 paragraph: "1" - target: Article 89 paragraph: "2" - target: Article 89 paragraph: "3" - target: Article 75 paragraph: "3" - target: Article 90 paragraph: "1" - target: Article 90 paragraph: "2" - target: Article 91 - target: Article 77 - target: Article 92 paragraph: "1" - target: Article 92 paragraph: "2" - target: Article 93 - target: Article 79 - target: Article 94 - target: Article 80 - target: Article 95 paragraph: "1" - target: Article 95 paragraph: "2" - target: Article 95 paragraph: "3" - target: Article 95 paragraph: "4" - target: Article 95 paragraph: "5" - target: Article 96 paragraph: "1" - target: Article 96 paragraph: "2" - target: Article 96 paragraph: "3" - target: Article 96 paragraph: "4" - target: Article 96 paragraph: "5" - target: Article 96 paragraph: "6" - target: Article 82 - target: Article 83 paragraph: "4" - target: Article 83 paragraph: "5" - target: Article 83 paragraph: "6" - target: Article 84 paragraph: "1" - target: Article 84 paragraph: "2" - target: Article 84 paragraph: "3" - target: Article 97 paragraph: "1" - target: Article 85 paragraph: "1" - target: Article 97 paragraph: "2" - target: Article 85 paragraph: "8" - target: Article 85 paragraph: "9" - target: Article 97 paragraph: "3" - target: Article 85 paragraph: "10" - target: Article 97 paragraph: "4" - target: Article 86 paragraph: "1" - target: Article 97 paragraph: "5" - target: Article 86 paragraph: "2" - target: Article 86 paragraph: "3" - target: Article 86 paragraph: "4" - target: Article 87 - target: Article 98 paragraph: "1" - target: Article 98 paragraph: "2" - target: Article 98 paragraph: "4" - target: Article 98 paragraph: "3" - target: Article 85 paragraph: "11" - target: Article 98 paragraph: "5" - target: Article 99 paragraph: "1" - target: Article 99 paragraph: "2" - target: Article 100 paragraph: "1" - target: Article 91 paragraph: "2" - target: Article 100 paragraph: "2" - target: Article 91 paragraph: "3" - target: Article 100 paragraph: "3" - target: Article 91 paragraph: "1" - target: Article 100 paragraph: "4" - target: Article 100 paragraph: "5" - target: Article 91 paragraph: "4" - target: Article 91 paragraph: "5" - target: Article 100 paragraph: "6" - target: Article 91 paragraph: "6" - target: Article 92 - target: Article 93 paragraph: "1" - target: Article 93 paragraph: "2" - target: Article 93 paragraph: "3" - target: Article 93 paragraph: "4" - target: Article 101 paragraph: "1" - target: Article 94 paragraph: "1" - target: Article 101 paragraph: "2" - target: Article 94 paragraph: "2" - target: Article 101 paragraph: "3" - target: Article 94 paragraph: "3" - target: Article 101 paragraph: "4" - target: Article 94 paragraph: "4" - target: Article 102 paragraph: "1" - target: Article 102 paragraph: "2" - target: Article 103 paragraph: "1" - target: Article 103 paragraph: "2" - target: Article 102 - target: Article 104 - target: Article 105 - target: Article 105 paragraph: "1" - target: Article 106 paragraph: "1" - target: Article 105 paragraph: "2" - target: Article 41 paragraph: "2" - target: Article 106 paragraph: "2" - target: Article 105 paragraph: "3" - target: Article 41 paragraph: "3" - target: Article 106 paragraph: "3" - target: Article 106 paragraph: "4" - target: Article 105 paragraph: "4" - target: Article 41 paragraph: "4" - target: Article 106 paragraph: "5" - target: Article 105 paragraph: "5" - target: Article 41 paragraph: "5" - target: Article 106 paragraph: "6" - target: Article 106 - target: Article 107 paragraph: "1" - target: Article 107 paragraph: "2" - target: Article 107 paragraph: "3" - target: Article 42 paragraph: "3" - target: Article 107 - target: Article 108 - target: Article 43 - target: Article 109 paragraph: "1" - target: Article 109 paragraph: "2" - target: Article 109 paragraph: "3" - target: Article 109 paragraph: "4" - target: Article 44 paragraph: "4" - target: Article 109 paragraph: "5" - target: Article 114 - target: Article 115 paragraph: "1" - target: Article 115 paragraph: "2" - target: Article 115 paragraph: "3" - target: Article 115 paragraph: "4" - target: Article 115 paragraph: "5" - target: Article 115 paragraph: "6" - target: Article 116 - target: Article 23 - target: Article 112 - target: Article 117 - target: Article 51 external_references: [] recitals: []