# Instrument Metadata
# Output tuned for LLM consumption -- deterministic parse of the
# EUR-Lex source, no LLM involved in generation.

instrument_id: sepa
celex: "32012R0260"
eli: "http://data.europa.eu/eli/reg/2012/260/oj"
full_title: SEPA Regulation (EU) 260/2012
short_title: SEPA
instrument_type: regulation
document_type: regulation
normative_weight: binding
jurisdiction: EU
effective_period:
  from: "2012-03-14"
  to: null
dates:
  adopted: "2012-03-14"
status: in_force
legal_status: in_force
structure_levels:
  - title
  - chapter
  - article
total_articles: 22
total_recitals: 0
total_annexes: 1
definitions_article: 2
chunk_strategy: by_chapter
chunks:
  - /sepa/chunks/sepa_t01.md
  - /sepa/chunks/annexes.md
key_dates:
  - date: "1998-05-19"
    type: citation
    article: "4"
    context: "…designated under Directive 98/26/EC of the European Parliament and of the Council of 19 May 1998 on settlement finality in payment and…"
  - date: "2006-06-14"
    type: citation
    article: "2"
    context: "…in Article 2 of Directive 2006/48/EC of the European Parliament and of the Council of 14 June 2006 relating to the taking up and pursuit…"
  - date: "2009-09-16"
    type: citation
    article: "1"
    context: "…of Article 2 of Directive 2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and…"
  - date: "2009-09-16"
    type: citation
    article: "17"
    context: "…Article 2(2) of Directive 2009/110/EC of the European Parliament and of the Council of 16 September 2009 on the taking up, pursuit and…"
  - date: "2012-03-14"
    type: citation
    article: "17"
    context: "…with Regulation (EU) No 260/2012 of the European Parliament and of the Council of 14 March 2012 establishing technical and business…"
  - date: "2012-03-14"
    type: lifecycle
    context: "Adopted"
  - date: "2012-11-01"
    type: deadline
    article: "6"
    context: "…requirements set out in Article 8(1) by 1 February 2017 for national payments and by 1 November 2012 for cross-border payments. 4. For…"
  - date: "2013-02-01"
    type: deadline
    article: "10"
    context: "…notify the Commission of the competent authorities designated under paragraph 1 by 1 February 2013. They shall notify the Commission and…"
  - date: "2013-02-01"
    type: deadline
    article: "11"
    context: "1. Member States shall, by 1 February 2013, lay down rules on the penalties…"
  - date: "2013-02-01"
    type: deadline
    article: "12"
    context: "…Member States shall notify the Commission of the bodies referred to in paragraph 1 by 1 February 2013. They shall notify the Commission…"
  - date: "2013-02-01"
    type: deadline
    article: "16"
    context: "…paragraph 1, 3, 4, 5 or 6, that Member State shall notify the Commission accordingly by 1 February 2013, and shall subsequently allow its…"
  - date: "2013-08-01"
    type: deadline
    article: "11"
    context: "…dissuasive. Member States shall notify the Commission of those rules and measures by 1 August 2013 and shall notify it without delay of…"
  - date: "2013-08-01"
    type: deadline
    article: "12"
    context: "…microenterprises. Member States shall inform the Commission of any such provision by 1 August 2013."
  - date: "2014-02-01"
    type: deadline
    article: "4"
    context: "…benefiting from a waiver under Article 16(4), this Article shall be effective by 1 February 2014."
  - date: "2014-02-01"
    type: deadline
    article: "5"
    context: "…its payment account identifier specified in point (1)(a) of the Annex and, until 1 February 2014 for national payment transactions and…"
  - date: "2014-02-01"
    type: deadline
    article: "6"
    context: "1. By 1 February 2014, credit transfers shall be carried…"
  - date: "2014-08-01"
    type: deadline
    article: "16"
    context: "1. By way of derogation from Article 6(1) and (2), PSPs may continue, until 1 August 2014, to process payment transactions in…"
  - date: "2015-10-31"
    type: deadline
    article: "16"
    context: "…If, however, the euro is introduced as the currency of any such Member State before 31 October 2015, the PSP located in that Member State…"
  - date: "2016-02-01"
    type: application
    article: "17"
    context: "…(4) in Article 5, paragraph 1 is replaced by the following: ‘1. With effect from 1 February 2016, Member States shall remove…"
  - date: "2016-02-01"
    type: deadline
    article: "16"
    context: "…from Article 6(1) and (2), Member States may allow PSPs to provide PSUs, until 1 February 2016, with conversion services for…"
  - date: "2016-02-01"
    type: deadline
    article: "5"
    context: "…of the Annex and, until 1 February 2014 for national payment transactions and until 1 February 2016 for cross-border payment…"
  - date: "2016-10-31"
    type: deadline
    article: "16"
    context: "…shall comply with Article 3 when offering payment services denominated in euro by 31 October 2016. If, however, the euro is introduced…"
  - date: "2017-02-01"
    type: deadline
    article: "6"
    context: "…shall be carried out in accordance with the requirements set out in Article 8(1) by 1 February 2017 for national payments and by 1…"
  - date: "2017-02-01"
    type: review
    article: "15"
    context: "1. By 1 February 2017, the Commission shall present to the…"
  - date: "2024-06-09"
    type: review
    article: "15"
    context: "…standards referred to in the first subparagraph of this paragraph to the Commission by 9 June 2024. Power is conferred on the Commission…"
  - date: "2025-01-09"
    type: deadline
    article: "5a"
    context: "…service of receiving instant credit transfers in euro as laid down in this Article by 9 January 2025, and the payment service of sending…"
  - date: "2025-01-09"
    type: deadline
    article: "5b"
    context: "…located in a Member State whose currency is the euro shall comply with this Article by 9 January 2025. PSPs located in a Member State whose…"
  - date: "2025-01-09"
    type: deadline
    article: "5d"
    context: "…of money laundering and terrorist financing. 3. PSPs shall comply with this Article by 9 January 2025."
  - date: "2025-04-09"
    type: deadline
    article: "11"
    context: "…1a. By way of derogation from paragraph 1 of this Article, Member States shall, by 9 April 2025, lay down rules on the penalties…"
  - date: "2025-10-09"
    type: deadline
    article: "5a"
    context: "…service of sending instant credit transfers in euro as laid down in this Article by 9 October 2025. PSPs as referred to in paragraph 1…"
  - date: "2025-10-09"
    type: deadline
    article: "5c"
    context: "…located in a Member State whose currency is the euro shall comply with this Article by 9 October 2025. PSPs located in a Member State whose…"
  - date: "2025-10-09"
    type: review
    article: "15"
    context: "…the period starting on 26 October 2022 until the end of preceding calendar year. 4. By 9 October 2025, and annually thereafter, competent…"
  - date: "2027-01-09"
    type: deadline
    article: "5a"
    context: "…service of receiving instant credit transfers in euro as laid down in this Article by 9 January 2027, and the payment service of sending…"
  - date: "2027-01-09"
    type: deadline
    article: "5b"
    context: "…in a Member State whose currency is not the euro shall comply with this Article by 9 January 2027."
  - date: "2027-04-09"
    type: deadline
    article: "16"
    context: "…on 31 March 2012. 9. If the euro is introduced as the currency of a Member State before 9 April 2027, the PSPs in that Member State shall…"
  - date: "2027-04-09"
    type: deadline
    article: "5a"
    context: "…sending and receiving instant credit transfers in euro as laid down in this Article by 9 April 2027. Notwithstanding the second…"
  - date: "2027-04-09"
    type: review
    article: "15"
    context: "…accordance with Article 15 of Regulation (EU) No 1093/2010. 6. The Commission shall, by 9 April 2027, submit to the European Parliament…"
  - date: "2027-07-09"
    type: deadline
    article: "5a"
    context: "…service of sending instant credit transfers in euro as laid down in this Article by 9 July 2027. By way of derogation from the second…"
  - date: "2027-07-09"
    type: deadline
    article: "5c"
    context: "…in a Member State whose currency is not the euro shall comply with this Article by 9 July 2027."
  - date: "2028-06-09"
    type: deadline
    article: "5a"
    context: "…9 July 2027. By way of derogation from the second subparagraph of this paragraph, until 9 June 2028 PSPs as referred to in paragraph 1 of…"
  - date: "2028-10-09"
    type: review
    article: "15"
    context: "…on the application of this Regulation accompanied, if appropriate, by a proposal. 2. By 9 October 2028 the Commission shall present a report…"

generated_at: "2026-09-08T12:37:03.543Z"

articles:
  - article_number: 1
    article_title: Subject matter and scope
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 1"
    applies_to_entities:
      - payment_service_providers
      - consumers
      - payment_schemes
      - payment_systems
    topics:
      - payments
      - payment_systems
    keywords:
      - supervision
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - IBAN
      - electronic money
      - card
      - agent
      - branch
      - system
      - scheme
      - ITS
      - payment account
      - payment system
      - payment scheme
      - psp
      - payment transaction
    contains:
      obligations: false
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: directive
        reference: "2009/110/EC"
    recitals: []

  - article_number: 2
    article_title: Definitions
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 2"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_service_providers
      - credit_institutions
      - member_states
      - consumers
      - payment_schemes
      - payment_systems
    topics:
      - payments
      - authorisation
      - payment_systems
      - funds_transfer
    keywords:
      - authorisation
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - instant
      - IBAN
      - SEPA
      - POS
      - consent
      - cross-border
      - settlement
      - clearing
      - system
      - scheme
      - RTS
      - ITS
    contains:
      obligations: false
      prohibitions: false
      permissions: false
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: directive
        reference: "2007/64/EC"
    recitals: []

  - article_number: 3
    article_title: Reachability
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 3"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
      - payment_schemes
    topics:
      - payments
      - payment_systems
    keywords:
      - consumer
      - payee
      - payer
      - transfer
      - direct debit
      - credit transfer
      - scheme
      - ITS
      - payment scheme
      - psp
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 4
    article_title: Interoperability
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 4"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_commission
      - consumers
      - payment_schemes
      - payment_systems
    topics:
      - payments
      - competent_authorities
      - payment_systems
    keywords:
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - POS
      - cross-border
      - settlement
      - system
      - scheme
      - ITS
      - payment system
      - payment scheme
      - psp
      - retail payment system
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 16
        paragraph: "4"
    external_references:
      - instrument_type: directive
        reference: "98/26/EC"
    recitals: []

  - article_number: 5
    article_title: Requirements for credit transfer and direct debit transactions
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 5"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
      - payment_schemes
      - payment_systems
    topics:
      - payments
      - authorisation
      - refunds
      - payment_systems
    keywords:
      - refund
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - card
      - data
      - consent
      - third party
      - cross-border
      - system
      - scheme
      - ITS
      - payment account
      - payment system
      - payment scheme
      - psp
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "95/46/EC"
      - instrument_type: directive
        reference: "2007/64/EC"
    recitals: []

  - article_number: 5a
    article_title: Instant credit transfer transactions
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 5a"
    applies_to_entities:
      - payment_service_providers
      - payment_institutions
      - payment_initiation_service_providers
      - credit_institutions
      - member_states
      - competent_authorities
      - european_commission
      - european_central_bank
      - consumers
    topics:
      - payments
      - competent_authorities
    keywords:
      - payee
      - payer
      - transaction
      - transfer
      - credit transfer
      - instant
      - electronic money
      - POS
      - access
      - system
      - ITS
      - instant credit transfer
      - payment initiation channel
      - payment initiation service provider
      - payment account
      - psp
      - psu
      - payment transaction
      - payment order
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 5
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2015/2366"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 5b
    article_title: Charges in respect of credit transfers and verification of the payee
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 5b"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
    keywords:
      - payee
      - payer
      - transfer
      - credit transfer
      - instant
      - instant credit transfer
      - psp
      - psu
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 5c
    external_references: []
    recitals: []

  - article_number: 5c
    article_title: Verification of the payee in the case of credit transfers
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 5c"
    applies_to_entities:
      - payment_service_providers
      - payment_initiation_service_providers
      - member_states
      - consumers
    topics:
      - payments
      - liability
      - refunds
    keywords:
      - SCA
      - liability
      - refund
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - credit transfer
      - POS
      - data
      - system
      - ITS
      - notification
      - payment initiation channel
      - payment initiation service provider
      - name of the payee
      - lei
      - payment account
      - psp
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2015/2366"
    recitals: []

  - article_number: 5d
    article_title: Screening of PSUs by PSPs that offer instant credit transfers to verify whether a PSU is a person or entity subject to targeted financial restrictive measures
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 5d"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - aml
    keywords:
      - payee
      - payer
      - transfer
      - credit transfer
      - instant
      - instant credit transfer
      - targeted financial restrictive measure
      - payment account
      - psp
      - psu
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 6
    article_title: End-dates
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 6"
    applies_to_entities:
      - payment_service_providers
      - member_states
    topics:
      - payments
    keywords:
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - cross-border
      - ITS
      - psp
      - payment transaction
      - national payment transaction
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 5
        paragraph: "1"
      - target: Article 5
        paragraph: "2"
      - target: Article 5
        paragraph: "4"
      - target: Article 8
        paragraph: "2"
      - target: Article 8
        paragraph: "3"
      - target: Article 5
        paragraph: "3"
      - target: Article 5
        paragraph: "5"
      - target: Article 5
        paragraph: "6"
      - target: Article 5
        paragraph: "8"
      - target: Article 3
      - target: Article 8
        paragraph: "1"
    external_references: []
    recitals: []

  - article_number: 7
    article_title: Validity of mandates and right to a refund
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 7"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
      - authorisation
      - refunds
    keywords:
      - refund
      - authorisation
      - payee
      - payer
      - direct debit
      - consent
      - scheme
      - ITS
      - psp
      - mandate
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 8
    article_title: Interchange fees for direct debit transactions
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 8"
    applies_to_entities:
      - payment_service_providers
      - consumers
    topics:
      - payments
    keywords:
      - consumer
      - payer
      - transaction
      - direct debit
      - SEPA
      - POS
      - ITS
      - psp
      - psu
      - interchange fee
      - mif
      - r-transaction
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 9
    article_title: Payment accessibility
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 9"
    applies_to_entities:
      - member_states
      - consumers
    topics:
      - payments
    keywords:
      - payee
      - payer
      - transfer
      - direct debit
      - credit transfer
      - access
      - payment account
    contains:
      obligations: true
      prohibitions: true
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 3
    external_references: []
    recitals: []

  - article_number: 10
    article_title: Competent authorities
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 10"
    applies_to_entities:
      - payment_service_providers
      - credit_institutions
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
    topics:
      - payments
      - competent_authorities
    keywords:
      - POS
      - ITS
      - EBA
      - psp
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references:
      - instrument_type: directive
        reference: "2007/64/EC"
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 11
    article_title: Penalties
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 11"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_commission
      - consumers
      - payment_schemes
    topics:
      - payments
      - enforcement
      - payment_systems
    keywords:
      - penalty
      - consumer
      - transfer
      - credit transfer
      - instant
      - POS
      - system
      - scheme
      - instant credit transfer
      - payment account
      - payment scheme
      - psp
      - psu
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 5d
      - target: Article 5a
        paragraph: "1"
    external_references:
      - instrument_type: directive
        reference: "2013/34/EU"
    recitals: []

  - article_number: 12
    article_title: Out-of-court complaint and redress procedures
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 12"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - european_commission
      - consumers
    topics:
      - payments
    keywords:
      - consumer
      - POS
      - settlement
      - psp
      - psu
      - microenterprise
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references: []
    external_references: []
    recitals: []

  - article_number: 13
    article_title: Delegation of power
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 13"
    applies_to_entities: []
    topics:
      - payments
    keywords: []
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 14
    external_references: []
    recitals: []

  - article_number: 14
    article_title: Exercise of the delegation
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 14"
    applies_to_entities:
      - european_commission
    topics:
      - payments
    keywords:
      - POS
      - notification
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 13
    external_references: []
    recitals: []

  - article_number: 15
    article_title: Review
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 15"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_banking_authority
      - european_commission
      - european_central_bank
    topics:
      - payments
      - competent_authorities
    keywords:
      - transaction
      - transfer
      - credit transfer
      - instant
      - SEPA
      - POS
      - cross-border
      - RTS
      - ITS
      - EBA
      - reporting
      - instant credit transfer
      - targeted financial restrictive measure
      - payment account
      - psp
      - payment transaction
      - cross-border payment transaction
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: false
      penalties: false
      delegated_powers: true
      implementing_powers: false
      rts_mandate: false
      its_mandate: true
      transitional: false
    internal_references:
      - target: Article 5b
        paragraph: "1"
      - target: Article 5d
    external_references:
      - instrument_type: regulation
        reference: "1093/2010"
    recitals: []

  - article_number: 16
    article_title: Transitional provisions
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 16"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - competent_authorities
      - european_commission
      - consumers
      - payment_systems
    topics:
      - payments
      - enforcement
    keywords:
      - consumer
      - payee
      - payer
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - IBAN
      - card
      - POS
      - system
      - ITS
      - payment account
      - payment system
      - psp
      - psu
      - payment transaction
      - bban
      - iban
      - bic
    contains:
      obligations: true
      prohibitions: true
      permissions: true
      definitions: false
      penalties: true
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references:
      - target: Article 6
        paragraph: "1"
      - target: Article 6
        paragraph: "2"
      - target: Article 11
      - target: Article 3
      - target: Article 5
        paragraph: "1"
      - target: Article 5
        paragraph: "4"
      - target: Article 5
        paragraph: "5"
      - target: Article 5
        paragraph: "7"
      - target: Article 5
      - target: Article 4
      - target: Article 4
        paragraph: "2"
      - target: Article 5a
      - target: Article 5b
      - target: Article 5c
    external_references: []
    recitals: []

  - article_number: 17
    article_title: Amendments to Regulation (EC) No 924/2009
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 17"
    applies_to_entities:
      - payment_service_providers
      - member_states
      - consumers
    topics:
      - payments
    keywords:
      - supervision
      - transaction
      - transfer
      - direct debit
      - credit transfer
      - IBAN
      - electronic money
      - cross-border
      - settlement
      - ITS
      - reporting
      - payment account
      - payment transaction
      - iban
      - bic
    contains:
      obligations: true
      prohibitions: false
      permissions: true
      definitions: true
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: false
    internal_references:
      - target: Article 2
      - target: Article 3
      - target: Article 4
      - target: Article 3
        paragraph: "1"
      - target: Article 5
      - target: Article 7
      - target: Article 8
    external_references:
      - instrument_type: regulation
        reference: "924/2009"
      - instrument_type: directive
        reference: "2009/110/EC"
      - instrument_type: regulation
        reference: "260/2012"
    recitals: []

  - article_number: 18
    article_title: Entry into force
    chunk_file: /sepa/chunks/sepa_t01.md
    path: "Title 1 > Article 18"
    applies_to_entities: []
    topics:
      - payments
    keywords:
      - ITS
    contains:
      obligations: true
      prohibitions: false
      permissions: false
      definitions: false
      penalties: false
      delegated_powers: false
      implementing_powers: false
      rts_mandate: false
      its_mandate: false
      transitional: true
    internal_references: []
    external_references: []
    recitals: []