# PSR Article 82 — Fraud reporting

Textual state: amended_substantial. 164 words changed; 2 paragraphs 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- Compared against: COM(2023) 367 final — superseded.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. Payment service providers shall provide, at least on an annual basis, statistical data on fraud relating to different means of payment to their competent authorities. Those competent authorities shall provide the EBA and the ECB with such data in an aggregated form. {+Statistical data on fraud shall include the number and value of refunded fraudulent transactions and of transactions where refund has been refused in accordance with this Regulation, together with the reason for that refusal, such as stating that the consumer has acted fraudulently or with gross negligence.+}

## New paragraph 1a

{+1a. Competent authorities may allow payment service providers to fulfill the obligation in paragraph 1 by reporting fraud data under another data reporting requirement, if that requirement is not less extensive than the reporting requirement under this Article and if arrangements have been made under which the EBA and the ECB will receive the data that is due under this Article.+}

## New paragraph 1b

{+1b. The EBA and the ECB shall publish in an annual joint report the statistical data in aggregated form and an analysis of the trends observed on the basis of those data.+}

## Paragraph 2

2. The EBA shall, in close cooperation with the ECB, develop draft regulatory technical standards on statistical data to be provided in accordance with paragraph 1 on the fraud reporting requirements referred to in paragraph 1. The EBA shall submit the regulatory technical standards referred to in first subparagraph to the Commission by [ OP please insert the date= one year after the date of entry into force of this Regulation]. Power is delegated on the Commission to adopt the regulatory technical standards referred to in the first subparagraph in accordance with Articles 10 to 14 of Regulation (EU) No 1093/2010.

## Paragraph 3

3. The EBA shall develop draft implementing technical standards establishing the standard forms and templates for the submission of the payment fraud data by competent authorities to the EBA, as referred to in paragraph 1. {+These implementing technical standards shall not be applicable if the competent authority makes use of the option referred to in paragraph 1a. +}The EBA shall submit the implementing technical standards referred to in first subparagraph to the Commission by [ OP please insert the date= one year after the date of entry into force of this Regulation]. Power is delegated on the Commission to adopt the [-regulatory -]{+implementing +}technical standards referred to in the first subparagraph in accordance with Article 15 of Regulation (EU) No 1093/2010.