# PSR Article 42 — Obligations of account servicing payment service providers regarding account information services

Textual state: amended_substantial. 27 words changed

- Compared text: Council position at first reading (Council document 8543/26) — not yet law.
- Compared against: Council document 8221/26 — superseded.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 41 → 41. Textual state: amended_substantial. 48 words changed; 1 paragraph added

- Editorial review state: not_assessed.

### 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.+}

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

Article 41 → 42. Textual state: amended_substantial. 27 words changed

- Editorial review state: not_assessed.

### 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 -]{+to allow them direct access to +}their payment account.

### Paragraph 2

2. [-Account -]{+The account +}servicing payment service [-providers -]{+provider +}shall allow account information service providers to access information from designated payment accounts and associated payment transactions held by {+that +}account servicing payment service [-providers -]{+provider +}for the [-purposes -]{+purpose +}of [-performing -]{+providing +}the account information service whether or not the payment service user is actively requesting such information.

### Paragraph 2a → 3

[-2a. -]{+3. +}Where the account information service provider intends to access information [-based on -]{+pursuant to +}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.