# PSD3 Article 28 — Settlement of disagreements between competent authorities of different Member States

Textual state: amended_substantial. 19 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- Compared against: Council document 8222/26 — superseded.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 29 → 29. Textual state: unchanged. No text changes from the 2023 proposal.

- Editorial review state: not_assessed.

### Paragraph 1

1. A competent authority of a Member State that considers that, in a particular matter, cross-border cooperation with competent authorities of another Member State as referred to in Articles 28, 30, 31, 32 or 33 does not comply with the conditions set out in those provisions may refer the matter to the EBA and request its assistance in accordance with Article 19 of Regulation (EU) No 1093/2010.

### Paragraph 2

2. Where the EBA has been requested to assist pursuant to paragraph 1, it shall take a decision under Article 19(3) of Regulation (EU) No 1093/2010 without undue delay. The EBA may also assist the competent authorities in reaching an agreement on its own initiative in accordance with Article 19(1), second subparagraph, of that Regulation. In either case, the competent authorities involved shall defer their decisions pending resolution under Article 19 of that Regulation.

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

Article 29 → 28. Textual state: amended_substantial. 19 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. A competent authority of a Member State that considers that, in a particular matter, cross-border cooperation with competent authorities of another Member State as referred to in [-Articles 28, -]{+Article 27, 29, +}30, [-31, 32 -]{+31 +}or [-33 -]{+32 of this Directive +}does not comply with the conditions set out in those provisions may refer the matter to [-the -]EBA and request its assistance in accordance with Article 19 of Regulation (EU) No 1093/2010.

### Paragraph 2

2. Where [-the -]EBA has been requested to assist pursuant to paragraph [-1, -]{+1 of this Article, +}it shall take a decision under Article 19(3) of Regulation (EU) No 1093/2010 without undue delay. [-The -]EBA may also assist the competent authorities in reaching an agreement on its own initiative in accordance with Article 19(1), second [-subparagraph, -]{+subparagraph +}of that Regulation. In either case, the competent authorities involved shall defer their decisions pending resolution under Article 19 of that Regulation.