# PSD3 Article 1 — Subject matter and scope

Textual state: amended_substantial. 69 words changed; 1 paragraph removed

- Current text: Council final compromise text (Council document 8222/26) — not yet law.
- Compared against: COM(2023) 366 final — superseded.
- Classification is mechanical; method: https://paymentslaw.eu/method/
- Editorial review state: not_assessed. Markers are curated and selective, not a complete assessment.

Word-level diff, proposal → compromise: `{+text+}` was inserted, `[-text-]` was deleted.

## Paragraph 1

1. This Directive lays down rules concerning: (a) access to the activity of providing payment [-services and electronic money -]services, within the Union, by payment institutions; (b) supervisory powers and tools for the supervision of payment institutions.

## Paragraph 2

2. Member States may exempt the institutions referred to in Article [-2 (5), -]{+2(5), +}points (4) to (23), of Directive 2013/36/EU from the application of all or part of the provisions of this Directive.

## Paragraph 3

3. [-Unless specified otherwise, any reference -]{+This Directive does not apply +}to [-payment -]services [-shall be understood -]{+set out +}in [-this Directive as meaning payment -]{+Article 2(2) of the Regulation XXX [PSR], with the exception of Articles 37 +}and [-electronic money services. -]{+39 of this Directive.+}

## Paragraph 4 (removed)

[-4. Unless specified otherwise, any reference to payment service providers shall be understood in this Directive as meaning payment service providers and electronic money service providers.-]