{ "attribution": { "source": "legal.exploreworldai.com", "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-643-16", "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-643-16)", "license": "https://legal.exploreworldai.com/revision", "version": "legal-2026-10-28", "fingerprint": "ewai:eu:94f788", "proof": "sha256:eb45de557862104ae12fadf3c814df89bee556a7321a92322b24429d2098214f", "jurisdiction": "eu", "lang": "en", "publisher": "NovaCopilot by ExploreWorld Legal", "terms": "https://legal.exploreworldai.com/om" }, "brand_source": "Source: NovaCopilot", "object_type": "agent", "object_id": "agent:eu:c-643-16", "schema_version": "1", "schema": "https://legal.exploreworldai.com/api/public/v1/schemas/agent", "url": "https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-643-16", "judgment": { "id": "eu:c-643-16", "text": "https://legal.exploreworldai.com/api/public/v1/judgment-text?id=eu:c-643-16" }, "siblings": { "risk": "https://legal.exploreworldai.com/api/public/v1/obj/risk/eu:c-643-16", "relation": "https://legal.exploreworldai.com/api/public/v1/obj/relation/eu:c-643-16", "change": "https://legal.exploreworldai.com/api/public/v1/obj/change/eu:c-643-16", "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-643-16", "status": "https://legal.exploreworldai.com/api/public/v1/obj/status/eu:c-643-16", "precedent": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-643-16", "edge": "https://legal.exploreworldai.com/api/public/v1/obj/edge/eu:c-643-16", "element": "https://legal.exploreworldai.com/api/public/v1/obj/element/eu:c-643-16", "decision": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-643-16", "weight": "https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-643-16", "conflict": "https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-643-16", "citation_graph": "https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-643-16" }, "source": "NovaCopilot", "precedent_graph": "https://legal.exploreworldai.com/api/public/v1/precedent-graph/eu:c-643-16", "item": { "schema_version": "1.0.0", "brand_source": "Source: NovaCopilot", "id": "eu:c-643-16", "standing": { "question": "Gäller domen fortfarande?", "answer": "6 senare avgörande(n) om samma rättsakt finns. Registret anger inte att domen upphävts, men läs de senare domarna innan du lutar dig på den.", "signal": "check_later_decisions" }, "risk": { "question": "Vilken risk?", "answer": "Risknivå low (2 av 10). 6 senare avgöranden om samma rättsakt, kontrollera att läget håller.", "level": "low", "score": 2 }, "changes": { "question": "Vilka domar ändrar bilden?", "answer": "De senaste: N.O. v PKO BP S.A (EU-domstolen, 2026-10-15); Betaal Garant Nederland CV v De Nederlandsche Bank NV (EU-domstolen, 2026-07-16); 'ABC Projektai' UAB v Lietuvos bankas (EU-domstolen, 2024-02-22); Vodafone Kabel Deutschland GmbH v Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband eV (EU-domstolen, 2021-12-02); DenizBank AG v Verein für Konsumenteninformation (EU-domstolen, 2020-11-11).", "decisions": [ { "id": "eu:c-70-25", "name": "N.O. v PKO BP S.A", "court": "EU-domstolen", "decided": "2026-10-15", "citation": "ECLI:EU:C:2026:852", "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-70-25", "page": "https://legal.exploreworldai.com/eu/praxis/c-70-25", "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-70-25", "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-70-25" }, { "id": "eu:c-51-25", "name": "Betaal Garant Nederland CV v De Nederlandsche Bank NV", "court": "EU-domstolen", "decided": "2026-07-16", "citation": "ECLI:EU:C:2026:590", "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-51-25", "page": "https://legal.exploreworldai.com/eu/praxis/c-51-25", "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-51-25", "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-51-25" }, { "id": "eu:c-661-22", "name": "'ABC Projektai' UAB v Lietuvos bankas", "court": "EU-domstolen", "decided": "2024-02-22", "citation": "ECLI:EU:C:2024:148", "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-661-22", "page": "https://legal.exploreworldai.com/eu/praxis/c-661-22", "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-661-22", "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-661-22" }, { "id": "eu:c-484-20", "name": "Vodafone Kabel Deutschland GmbH v Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband eV", "court": "EU-domstolen", "decided": "2021-12-02", "citation": "ECLI:EU:C:2021:975", "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-484-20", "page": "https://legal.exploreworldai.com/eu/praxis/c-484-20", "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-484-20", "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-484-20" }, { "id": "eu:c-287-19", "name": "DenizBank AG v Verein für Konsumenteninformation", "court": "EU-domstolen", "decided": "2020-11-11", "citation": "ECLI:EU:C:2020:897", "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-287-19", "page": "https://legal.exploreworldai.com/eu/praxis/c-287-19", "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-287-19", "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-287-19" } ] }, "subject": { "name": "American Express Co. v The Lords Commissioners of Her Majesty’s Treasury", "court": "EU-domstolen", "decided": "2018-02-07", "citation": "ECLI:EU:C:2018:67", "case_kind": "judgment", "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-643-16" }, "acts": [ { "id": "directive-2015-2366", "url": "https://legal.exploreworldai.com/api/public/v1/acts/directive-2015-2366", "basis": "domstolens nyckelord" } ], "b2b_value": { "score": 4, "areas": [ "financial_services", "energy", "intellectual_property" ] }, "assessment_scope": { "risk_type": "evidence_reliance", "business_risk": "not_assessed", "legal_validity": "not_assessed", "later_decision_search": "bounded_same_act_register_search", "later_decisions_observed": 6, "later_decisions_limit": 25, "no_results_proves_validity": false, "source_verification": "not_verified", "verified_at": null }, "source_business_topics": { "status": "in_register", "basis": "registered_court_keywords", "matches": [ { "area": "financial_services", "source_term": "Payment" } ], "business_impact": "not_assessed", "exhaustive": false }, "registered_summary": "Reference for a preliminary ruling — Directive (EU) 2015/2366 — Payment services in the internal market — Article 35(1) — Obligation to provide authorised or registered payment service providers with access to payment systems — Point (b) of the first subparagraph of Article 35(2) — Inapplicability of that obligation to payment systems composed exclusively of payment service providers belonging to a group — Applicability of that obligation to three party payment card schemes that have entered into co-branding or agency arrangements — Validity.", "source_url": "https://eur-lex.europa.eu/legal-content/SV/TXT/?uri=CELEX:62016CJ0643", "reliance_guidance": { "legacy_standing_is_validity_verification": false, "legacy_b2b_value_is_business_impact": false, "no_act_link_means_unknown_not_low_business_risk": true }, "sha256": "fac55f22166bc17e65997224299af66b33b2737dcd295ec8c1c866399f2b57a3", "extended": { "obligations": { "question": "Vad måste företaget göra?", "answer": "Börja i skyldigheterna enligt directive-2015-2366, Directive 2015/2366 och läs domen som tolkning av dem, med fokus på financial_services, energy, intellectual_property.", "compliance_chains": [ { "act": "directive-2015-2366", "url": "https://legal.exploreworldai.com/api/public/v1/compliance-chain?act=directive-2015-2366" } ] }, "provisions": { "question": "Vilka regler tolkar domen?", "answer": "Domen rör directive-2015-2366, Directive 2015/2366.", "acts": [ { "id": "directive-2015-2366", "url": "https://legal.exploreworldai.com/api/public/v1/acts/directive-2015-2366", "basis": "domstolens nyckelord" } ], "instruments": [ { "id": "directive-2015-2366", "label": "Directive 2015/2366", "basis": "domstolens nyckelord" } ] }, "practice_line": { "question": "Var ligger domen i praxislinjen?", "answer": "Domen ingår i 2 praxislinje(r), en per rättsakt, med alla avgöranden i tidsordning och en hashkedja.", "lines": [ { "act": "directive-2015-2366", "url": "https://legal.exploreworldai.com/api/public/v1/praxis-line?act=directive-2015-2366" }, { "act": "directive-2015-2366", "url": "https://legal.exploreworldai.com/api/public/v1/praxis-line?act=directive-2015-2366" } ] } }, "extended_sha256": "4985eb3828919f9db4ac572b030bbc2042a5f5b050b06ae76fa00e6f78996ff9", "nearby": [ { "id": "eu:c-778-18-62018cj0778", "name": "Association française des usagers de banques v Ministre de l'Économie et des Finances", "court": "EU-domstolen", "decided": "2020-10-15", "citation": "ECLI:EU:C:2020:831", "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-778-18-62018cj0778", "page": "https://legal.exploreworldai.com/eu/praxis/c-778-18-62018cj0778", "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-778-18-62018cj0778", "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-778-18-62018cj0778", "agent": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-778-18-62018cj0778", "basis": "same_act" }, { "id": "eu:c-287-19", "name": "DenizBank AG v Verein für Konsumenteninformation", "court": "EU-domstolen", "decided": "2020-11-11", "citation": "ECLI:EU:C:2020:897", "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-287-19", "page": "https://legal.exploreworldai.com/eu/praxis/c-287-19", "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-287-19", "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-287-19", "agent": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-287-19", "basis": "same_act" }, { "id": "eu:c-484-20", "name": "Vodafone Kabel Deutschland GmbH v Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband eV", "court": "EU-domstolen", "decided": "2021-12-02", "citation": "ECLI:EU:C:2021:975", "node": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-484-20", "page": "https://legal.exploreworldai.com/eu/praxis/c-484-20", "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu:c-484-20", "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu:c-484-20", "agent": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-484-20", "basis": "same_act" } ], "agent_lists": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/agents", "reasoning": { "standing": { "schema_version": "1.0.0", "question": "Gäller domen fortfarande?", "steps": [ { "step": 1, "kind": "premise", "statement": "Avgörandet American Express Co. v The Lords Commissioners of Her Majesty’s Treasury meddelades 2018-02-07 av EU-domstolen.", "evidence": [ { "label": "American Express Co. v The Lords Commissioners of Her Majesty’s Treasury", "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-643-16" }, { "label": "Officiell källa", "url": "https://eur-lex.europa.eu/legal-content/SV/TXT/?uri=CELEX:62016CJ0643" } ] }, { "step": 2, "kind": "rule", "statement": "Det kopplas i registret till 1 rättsakt(er): directive-2015-2366.", "evidence": [ { "label": "directive-2015-2366", "url": "https://legal.exploreworldai.com/api/public/v1/acts/directive-2015-2366" } ] }, { "step": 3, "kind": "evidence", "statement": "6 senare avgörande(n) om samma rättsakt finns i registret.", "evidence": [ { "label": "N.O. v PKO BP S.A (2026-10-15)", "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-70-25" }, { "label": "Betaal Garant Nederland CV v De Nederlandsche Bank NV (2026-07-16)", "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-51-25" }, { "label": "'ABC Projektai' UAB v Lietuvos bankas (2024-02-22)", "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-661-22" }, { "label": "Vodafone Kabel Deutschland GmbH v Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband eV (2021-12-02)", "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-484-20" }, { "label": "DenizBank AG v Verein für Konsumenteninformation (2020-11-11)", "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-287-19" } ] }, { "step": 4, "kind": "inference", "statement": "Senare avgöranden kan förtydliga, begränsa eller bekräfta domen; registret anger inte upphävande.", "evidence": [] }, { "step": 5, "kind": "conclusion", "statement": "6 senare avgörande(n) om samma rättsakt finns. Registret anger inte att domen upphävts, men läs de senare domarna innan du lutar dig på den.", "evidence": [] } ], "conclusion": "6 senare avgörande(n) om samma rättsakt finns. Registret anger inte att domen upphävts, men läs de senare domarna innan du lutar dig på den.", "confidence": "medel", "limits": [ "Bygger på registrets kopplingar, inte en läsning av varje senare doms innehåll.", "Inte juridisk rådgivning." ], "reasoning_hash": "sha256:f1b9b5402732ca6a933f59834a4e9f7916402cbd666c3826c400959a3fc7ca52", "method": "Deterministisk kedja ur registret. Varje steg pekar på sitt underlag. Ingen modell skriver stegen." }, "risk": { "schema_version": "1.0.0", "question": "Vilken risk?", "steps": [ { "step": 1, "kind": "premise", "statement": "Risken mäter hur tungt avgörandet bär som underlag, på skalan 0 till 10.", "evidence": [ { "label": "Riskobjekt", "url": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu%3Ac-643-16" } ] }, { "step": 2, "kind": "evidence", "statement": "6 senare avgöranden om samma rättsakt, kontrollera att läget håller (+2).", "evidence": [] }, { "step": 3, "kind": "inference", "statement": "Summan av faktorerna blir 2, vilket motsvarar nivå low.", "evidence": [] }, { "step": 4, "kind": "conclusion", "statement": "Risknivå low (2 av 10). 6 senare avgöranden om samma rättsakt, kontrollera att läget håller.", "evidence": [] } ], "conclusion": "Risknivå low (2 av 10). 6 senare avgöranden om samma rättsakt, kontrollera att läget håller.", "confidence": "hög", "limits": [ "Poängen är en regelstyrd klassificering, inte en bedömning av ett enskilt ärende." ], "reasoning_hash": "sha256:e13f1680855b142cfa11dea7591b1e09405f12226d4ec5be0bc83a18e25142ed", "method": "Deterministisk kedja ur registret. Varje steg pekar på sitt underlag. Ingen modell skriver stegen." }, "changes": { "schema_version": "1.0.0", "question": "Vilka domar ändrar bilden?", "steps": [ { "step": 1, "kind": "premise", "statement": "Senare avgöranden om samma rättsakt är de som kan ändra bilden.", "evidence": [ { "label": "Ändringsflöde", "url": "https://legal.exploreworldai.com/api/public/v1/eu-praxis/changes" } ] }, { "step": 2, "kind": "evidence", "statement": "Registret har 6; de senaste listas.", "evidence": [ { "label": "N.O. v PKO BP S.A (2026-10-15)", "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-70-25" }, { "label": "Betaal Garant Nederland CV v De Nederlandsche Bank NV (2026-07-16)", "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-51-25" }, { "label": "'ABC Projektai' UAB v Lietuvos bankas (2024-02-22)", "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-661-22" }, { "label": "Vodafone Kabel Deutschland GmbH v Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband eV (2021-12-02)", "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-484-20" }, { "label": "DenizBank AG v Verein für Konsumenteninformation (2020-11-11)", "url": "https://legal.exploreworldai.com/api/public/v1/eu-cases/c-287-19" } ] }, { "step": 3, "kind": "conclusion", "statement": "De senaste: N.O. v PKO BP S.A (EU-domstolen, 2026-10-15); Betaal Garant Nederland CV v De Nederlandsche Bank NV (EU-domstolen, 2026-07-16); 'ABC Projektai' UAB v Lietuvos bankas (EU-domstolen, 2024-02-22); Vodafone Kabel Deutschland GmbH v Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband eV (EU-domstolen, 2021-12-02); DenizBank AG v Verein für Konsumenteninformation (EU-domstolen, 2020-11-11).", "evidence": [] } ], "conclusion": "De senaste: N.O. v PKO BP S.A (EU-domstolen, 2026-10-15); Betaal Garant Nederland CV v De Nederlandsche Bank NV (EU-domstolen, 2026-07-16); 'ABC Projektai' UAB v Lietuvos bankas (EU-domstolen, 2024-02-22); Vodafone Kabel Deutschland GmbH v Bundesverband der Verbraucherzentralen und Verbraucherverbände - Verbraucherzentrale Bundesverband eV (EU-domstolen, 2021-12-02); DenizBank AG v Verein für Konsumenteninformation (EU-domstolen, 2020-11-11).", "confidence": "hög", "limits": [ "Följ ändringsflödet med cursor för nya avgöranden." ], "reasoning_hash": "sha256:11757a2f27fdaf077e2dfd4f64d567c866558c91f42ee4b95491cc8bc985e329", "method": "Deterministisk kedja ur registret. Varje steg pekar på sitt underlag. Ingen modell skriver stegen." } }, "method": "Deterministiskt ur registret: rättsaktskopplingar, avgörandeform, domstol och senare avgöranden. Ingen modell skriver svaren.", "citation": "Source: NovaCopilot (ExploreWorld Legal), https://legal.exploreworldai.com/api/public/v1/eu-praxis/agent?id=eu%3Ac-643-16", "disclaimer": "Klassificering ur registret, inte juridisk rådgivning." }, "links": { "provisions": null, "case_law": { "precedent": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-643-16", "conflict": "https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-643-16", "citation_graph": "https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-643-16", "weight": "https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-643-16" }, "evidence": { "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-643-16", "chain_verify": "https://legal.exploreworldai.com/api/public/v1/changes/verify", "object_changes": "https://legal.exploreworldai.com/api/public/v1/objects/changes" }, "compact": "https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-643-16?view=compact", "representations": { "sv": "https://legal.exploreworldai.com/eu/praxis/c-643-16", "en": "https://legal.exploreworldai.com/en/eu/praxis/c-643-16" }, "machine_languages": [ "en", "sv" ], "ref": "eu:c-643-16" }, "watch": { "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu%3Ac-643-16", "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu%3Ac-643-16", "risk_changes": "https://legal.exploreworldai.com/api/public/v1/risk-changes", "node_state": "https://legal.exploreworldai.com/api/public/v1/node-state?id=eu%3Ac-643-16", "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-643-16" }, "metadata": { "schema": "novacopilot_object_metadata/1", "canonical_url": "https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-643-16", "source": "Source: NovaCopilot", "official_source": "https://eur-lex.europa.eu/legal-content/SV/TXT/?uri=CELEX:62016CJ0643", "short_answer": null, "short_answer_status": "not_in_register", "hash": "eb62752c6105fe584fb3cb82cdff8c9682d87d8625c69cd3f055c7b058cdc07e", "schema_version": "1", "last_verified_at": null, "verification_status": "not_verified_yet", "integrity_check_scope": "stored_content_only" }, "hash": "sha256:eb45de557862104ae12fadf3c814df89bee556a7321a92322b24429d2098214f", "version": "legal-2026-10-28", "expires": "2026-10-29T00:00:00.000Z", "dependency": { "index_version": "legal-2026-10-28+legal-2026-10-28+2026-10-28T10:10:35", "content_hash": "sha256:eb45de557862104ae12fadf3c814df89bee556a7321a92322b24429d2098214f", "revalidate_after": "2026-10-28T20:14:53.182Z", "max_copy_age_seconds": 3600, "policy": "revalidate-required; attribution-preferred", "changelog": "https://legal.exploreworldai.com/api/public/v1/dependency", "verify": "https://legal.exploreworldai.com/api/public/v1/verify", "stale_copy_invalid": true }, "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-643-16", "disclaimer": "Source reference with official identifier. Not legal advice and not a compliance decision.", "content_notice": { "legal_advice": false, "nature": "Source register. Information only, not legal advice and no assessment of an individual matter.", "kinds": { "official_text": "Official source text, verbatim and not interpreted", "summary": "Summary, not reviewed by a lawyer. Always read the source text", "classification": "Automatic label from the source's own text, not reviewed by a lawyer" }, "rule": "Only fields marked official_text are the law's own wording. Everything else points to it.", "report_error": "https://legal.exploreworldai.com/api/public/v1/corrections", "ai_act_declaration": "https://legal.exploreworldai.com/api/public/v1/ai-act-declaration" }, "usageInfo": "https://legal.exploreworldai.com/citering" }