# PSR Article 41 — Obligations of account servicing payment service providers regarding account information services

Textual state: amended_substantial. 48 words changed; 1 paragraph added

- Current text: Council final compromise text (Council document 8221/26) — not yet law.
- Compared against: COM(2023) 367 final — superseded.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. The account servicing payment service provider shall perform the following actions to ensure the payment service user’s right to use the account information service: (a) communicate securely with the account information service provider; (b) treat data requests transmitted through the services of an account information service provider as if the data were requested by the payment service user via the interface that the account servicing payment service provider makes available to its payment service users for directly accessing their payment account.

## Paragraph 2

2. Account servicing payment service providers shall allow account information service providers to access information from designated payment accounts and associated payment transactions held by account servicing payment service providers for the purposes of performing the account information service whether or not the payment service user is actively requesting such information.

## New paragraph 2a

{+2a. Where the account information service provider intends to access information based on paragraph 2 at times when the payment service user is not actively requesting such information, it shall ensure that the payment service user is duly aware of that intention before making use of that functionality.+}