# PSD3 Article 26 — Right of appeal

Textual state: amended_substantial. 29 words changed

- Compared text: Council position at first reading (Council document 8535/26) — not yet law.
- Compared against: Council document 8222/26 — superseded.
- Classification is mechanical; method: https://paymentslaw.eu/method/
- Editorial review state: not_assessed. Editor's notes are selective, not a complete assessment.

Word-level diff for each step, earlier → later edition: `{+text+}` was inserted, `[-text-]` was deleted.

## Step 1 · Commission proposal (2023) to Council compromise text (April 2026)

Article 27 → 27. Textual state: amended_substantial. 23 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. Member States shall ensure that decisions taken by the competent authorities in respect of a payment institution pursuant to the laws, regulations and administrative provisions adopted in accordance with this Directive [-may be contested before the courts. -]{+are subject to appeal.+}

### Paragraph 2

2. Paragraph 1 shall apply also in respect of a failure to {+act where this Directive sets a fixed period for the competent authority to +}act.

## Step 2 · Council compromise text (April 2026) to Council position at first reading (October 2026)

Article 27 → 26. Textual state: amended_substantial. 29 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. Member States shall ensure that decisions taken by the competent authorities in respect of a payment institution pursuant to the laws, regulations and administrative provisions adopted in accordance with this Directive are subject to appeal.

### Paragraph 2

2. [-Paragraph 1 shall apply also in respect of a failure to act where -]{+Where +}this Directive sets a fixed period for [-the -]{+a +}competent authority to [-act. -]{+act, a failure to act within such period shall be subject to appeal.+}