{ "attribution": { "source": "legal.exploreworldai.com", "canonical": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-81-24", "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-81-24)", "license": "https://legal.exploreworldai.com/revision", "version": "legal-2026-10-25", "fingerprint": "ewai:se:4cc697", "proof": "sha256:d54b81d3a2447ff4652a05d353b576ccdbf7152b7ac4bc24aa0d855be5b44c14", "jurisdiction": "se", "lang": "en" }, "brand_source": "Source: NovaCopilot", "object_type": "precedent", "object_id": "precedent:eu:c-81-24", "schema_version": "1", "schema": "https://legal.exploreworldai.com/api/public/v1/schemas/precedent", "url": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-81-24", "judgment": { "id": "eu:c-81-24", "text": "https://legal.exploreworldai.com/api/public/v1/judgment-text?id=eu:c-81-24" }, "siblings": { "risk": "https://legal.exploreworldai.com/api/public/v1/obj/risk/eu:c-81-24", "relation": "https://legal.exploreworldai.com/api/public/v1/obj/relation/eu:c-81-24", "change": "https://legal.exploreworldai.com/api/public/v1/obj/change/eu:c-81-24", "agent": "https://legal.exploreworldai.com/api/public/v1/obj/agent/eu:c-81-24", "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-81-24", "status": "https://legal.exploreworldai.com/api/public/v1/obj/status/eu:c-81-24", "edge": "https://legal.exploreworldai.com/api/public/v1/obj/edge/eu:c-81-24", "element": "https://legal.exploreworldai.com/api/public/v1/obj/element/eu:c-81-24", "decision": "https://legal.exploreworldai.com/api/public/v1/obj/decision/eu:c-81-24", "weight": "https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-81-24", "conflict": "https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-81-24", "citation_graph": "https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-81-24" }, "source": "NovaCopilot", "precedent_graph": "https://legal.exploreworldai.com/api/public/v1/precedent-graph/eu:c-81-24", "item": { "judgment": "eu:c-81-24", "issue": "Reference for a preliminary ruling – Approximation of laws – Financial services – Access to a payment account with basic features – Directive 2014/92/EU – Article 16(4) – Prevention of the use of the financial system for the purposes of money laundering and terrorist financing – Directive (EU) 2015/849 – Consumer included on the list of the United States Office of Foreign Assets Control – Refusal to open such a payment account.", "court": "CJ", "decided": "2026-06-11", "binding": "binding", "status": "final", "holdings": [ { "n": 1, "paragraph_id": "para_217", "text": "Article 16(4) of Directive 2014/92/EU of the European Parliament and of the Council of 23 July 2014 on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features, read in conjunction with Directive (EU) 2015/849 of the European Parliament and of the Council of 20 May 2015 on the prevention of the use of the financial system for the purposes of money laundering or terrorist financing, amending Regulation (EU) No 648/2012 of the European Parliament and of the Council, and repealing Directive 2005/60/EC of the European Parliament and of the Council and Commission Directive 2006/70/EC, as amended by Directive (EU) 2018/843 of the European Parliament and of the Council of 30 May 2018,", "kind": "operative_part", "precedent_id": "precedent:eu:c-81-24#1" }, { "n": 2, "paragraph_id": "para_218", "text": "must be interpreted as not permitting Member States to require credit institutions to refuse to open a payment account with basic features for a consumer for the sole reason that that consumer is included on a list of persons subject to restrictive measures imposed by a third country, unless the credit institution concerned has carried out an individual assessment of the risk of money laundering or terrorist financing connected with the intended business relationship.", "kind": "operative_part", "precedent_id": "precedent:eu:c-81-24#2" } ], "text_sha256": "6c282711f507988eb1b7370303f799474e1fb5fe62fd6c7661b337769d6fb784", "method": "Domslutet efter 'On those grounds' i domens egen text.", "limits": [], "hash": "c821ced2b748612c5f837453edef16efab47c1c04982d7629021979299ca8107" }, "links": { "provisions": null, "case_law": { "precedent": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-81-24", "conflict": "https://legal.exploreworldai.com/api/public/v1/obj/conflict/eu:c-81-24", "citation_graph": "https://legal.exploreworldai.com/api/public/v1/obj/citation_graph/eu:c-81-24", "weight": "https://legal.exploreworldai.com/api/public/v1/obj/weight/eu:c-81-24" }, "evidence": { "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-81-24", "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/precedent/eu:c-81-24?view=compact", "representations": { "sv": "https://legal.exploreworldai.com/eu/praxis/c-81-24", "en": "https://legal.exploreworldai.com/en/eu/praxis/c-81-24" }, "machine_languages": [ "en", "sv" ], "ref": "eu:c-81-24" }, "watch": { "risk": "https://legal.exploreworldai.com/api/public/v1/risk?id=eu%3Ac-81-24", "relations": "https://legal.exploreworldai.com/api/public/v1/relations?id=eu%3Ac-81-24", "risk_changes": "https://legal.exploreworldai.com/api/public/v1/risk-changes", "provenance": "https://legal.exploreworldai.com/api/public/v1/obj/provenance/eu:c-81-24" }, "metadata": { "schema": "novacopilot_object_metadata/1", "canonical_url": "https://legal.exploreworldai.com/api/public/v1/obj/precedent/eu:c-81-24", "source": "Source: NovaCopilot", "official_source": null, "short_answer": null, "short_answer_status": "not_in_register", "hash": "c821ced2b748612c5f837453edef16efab47c1c04982d7629021979299ca8107", "schema_version": "1", "last_verified_at": null, "verification_status": "not_verified_yet", "integrity_check_scope": "stored_content_only" }, "hash": "sha256:d54b81d3a2447ff4652a05d353b576ccdbf7152b7ac4bc24aa0d855be5b44c14", "version": "legal-2026-10-25", "expires": "2026-10-27T00:00:00.000Z", "dependency": { "index_version": "legal-2026-10-25+legal-2026-10-25+2026-10-25T13:37:31", "content_hash": "sha256:d54b81d3a2447ff4652a05d353b576ccdbf7152b7ac4bc24aa0d855be5b44c14", "revalidate_after": "2026-10-26T09:16:42.813Z", "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/precedent/eu:c-81-24", "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" }