# PSD3 Article 41 — Full harmonisation

Textual state: amended_substantial. 16 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- Compared against: Council document 8222/26 — superseded.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 42 → 42. Textual state: amended_substantial. 16 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. Without prejudice to [-Article 6(3) and Article -]{+Articles 6(3), +}34, {+37 and 39, +}insofar as this Directive contains harmonised provisions, Member States shall not maintain or introduce provisions other than those laid down in this Directive.

### Paragraph 2

2. A Member State that uses any of the options referred to in [-Article 6(3) or Article -]{+Articles 6(3), +}34, {+37 or 39, +}shall inform the Commission thereof and of any subsequent changes. The Commission shall make the information public on a website or other easily accessible means.

### Paragraph 3

3. Member States shall ensure that payment service providers do not derogate, to the detriment of payment service users, from the provisions of national law transposing this Directive except where explicitly provided for therein. However, payment service providers may decide to grant more favourable terms to payment service users.

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

Article 42 → 41. Textual state: amended_substantial. 16 words changed

- Editorial review state: not_assessed.

### Paragraph 1

1. Without prejudice to {+Article 6(3) and +}Articles [-6(3), 34, -]{+33, +}37 and [-39, -]{+38, +}insofar as this Directive contains harmonised provisions, Member States shall not maintain or introduce provisions other than those laid down in this Directive.

### Paragraph 2

2. A Member State that uses any of the options referred to in [-Articles 6(3), 34, -]{+Article 6(3) or Article 33, +}37 or [-39, -]{+38, +}shall inform the Commission thereof and of any subsequent changes. The Commission shall make the information public on a website or other easily accessible means.

### Paragraph 3

3. Member States shall ensure that payment service providers do not derogate, to the detriment of payment service users, from the provisions of national law transposing this Directive except where explicitly provided for therein. However, payment service providers may decide to grant more favourable terms to payment service users.