# PSD3 Article 27 — Right to apply to the courts

Textual state: amended_substantial. 23 words changed

- 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- Compared against: COM(2023) 366 final — superseded.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. 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.