Agent layer

PSD2

One agent per article. An operative tree is written by hand from the article's conditions. A structural tree follows the article's paragraphs verbatim.

CELEX 32015L2366 · Read 2026-08-18 · The act

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PSD2 carries 117 article agents, 0 of them with a hand written operative tree. Every agent has its own address, source line and hash.

Checked against the publisher · 2026-08-18

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Showing 117 of 117 agents · Last read against source: 2026-08-18

Article	Heading	Tree	Weight
10	Safeguarding requirements	structuralOpen	67
11	Granting of authorisation	structuralOpen	67
12	Communication of the decision	structuralOpen	67
13	Withdrawal of authorisation	structuralOpen	67
14	Registration in the home Member State	structuralOpen	67
15	EBA register	structuralOpen	67
16	Maintenance of authorisation	structuralOpen	67
17	Accounting and statutory audit	structuralOpen	67
18	Activities	structuralOpen	67
19	Use of agents, branches or entities to which activities are outsourced	structuralOpen	67
20	Liability	structuralOpen	67
21	Record-keeping	structuralOpen	67
22	Designation of competent authorities	structuralOpen	67
23	Supervision	structuralOpen	67
24	Professional secrecy	structuralOpen	67
25	Right to apply to the courts	structuralOpen	67
26	Exchange of information	structuralOpen	67
27	Settlement of disagreements between competent authorities of different Member States	structuralOpen	67
28	Application to exercise the right of establishment and freedom to provide services	structuralOpen	67
29	Supervision of payment institutions exercising the right of establishment and freedom to provide services	structuralOpen	67
30	Measures in case of non-compliance, including precautionary measures	structuralOpen	67
31	Reasons and communication	structuralOpen	67
32	Conditions	structuralOpen	67
33	Account information service providers	structuralOpen	67
34	Notification and information	structuralOpen	67
35	Access to payment systems	structuralOpen	67
36	Access to accounts maintained with a credit institution	structuralOpen	67
37	Prohibition of persons other than payment service providers from providing payment services and duty of notification	structuralOpen	67
38	Scope	structuralOpen	67
39	Other provisions in Union law	structuralOpen	67
40	Charges for information	structuralOpen	67
41	Burden of proof on information requirements	structuralOpen	67
42	Derogation from information requirements for low-value payment instruments and electronic money	structuralOpen	67
43	Scope	structuralOpen	67
44	Prior general information	structuralOpen	67
45	Information and conditions	structuralOpen	67
46	Information for the payer and payee after the initiation of a payment order	structuralOpen	67
47	Information for payer’s account servicing payment service provider in the event of a payment initiation service	structuralOpen	67
48	Information for the payer after receipt of the payment order	structuralOpen	67
49	Information for the payee after execution	structuralOpen	67
5	Applications for authorisation	structuralOpen	67
50	Scope	structuralOpen	67
51	Prior general information	structuralOpen	67
52	Information and conditions	structuralOpen	67
53	Accessibility of information and conditions of the framework contract	structuralOpen	67
54	Changes in conditions of the framework contract	structuralOpen	67
55	Termination	structuralOpen	67
56	Information before execution of individual payment transactions	structuralOpen	67
57	Information for the payer on individual payment transactions	structuralOpen	67
58	Information for the payee on individual payment transactions	structuralOpen	67
59	Currency and currency conversion	structuralOpen	67
6	Control of the shareholding	structuralOpen	67
60	Information on additional charges or reductions	structuralOpen	67
7	Initial capital	structuralOpen	67
8	Own funds	structuralOpen	67
9	Calculation of own funds	structuralOpen	67
1	Subject matter	structuralOpen	63
2	Scope	structuralOpen	63
3	Exclusions	structuralOpen	63
4	Definitions	structuralOpen	63
100	Competent authorities	structuralOpen	59
101	Dispute resolution	structuralOpen	59
102	ADR procedures	structuralOpen	59
103	Penalties	structuralOpen	59
104	Delegated acts	structuralOpen	59
105	Exercise of the delegation	structuralOpen	59
106	Obligation to inform consumers of their rights	structuralOpen	59
107	Full harmonisation	structuralOpen	59
108	Review clause	structuralOpen	59
109	Transitional provision	structuralOpen	59
110	Amendments to Directive 2002/65/EC	structuralOpen	59
111	Amendments to Directive 2009/110/EC	structuralOpen	59
112	Amendments to Regulation (EU) No 1093/2010	structuralOpen	59
113	Amendment to Directive 2013/36/EU	structuralOpen	59
114	Repeal	structuralOpen	59
115	Transposition	structuralOpen	59
116	Entry into force	structuralOpen	59
117	Addresses	structuralOpen	59
61	Scope	structuralOpen	59
62	Charges applicable	structuralOpen	59
63	Derogation for low value payment instruments and electronic money	structuralOpen	59
64	Consent and withdrawal of consent	structuralOpen	59
65	Confirmation on the availability of funds	structuralOpen	59
66	Rules on access to payment account in the case of payment initiation services	structuralOpen	59
67	Rules on access to and use of payment account information in the case of account information services	structuralOpen	59
68	Limits of the use of the payment instrument and of the access to payment accounts by payment service providers	structuralOpen	59
69	Obligations of the payment service user in relation to payment instruments and personalised security credentials	structuralOpen	59
70	Obligations of the payment service provider in relation to payment instruments	structuralOpen	59
71	Notification and rectification of unauthorised or incorrectly executed payment transactions	structuralOpen	59
72	Evidence on authentication and execution of payment transactions	structuralOpen	59
73	Payment service provider’s liability for unauthorised payment transactions	structuralOpen	59
74	Payer’s liability for unauthorised payment transactions	structuralOpen	59
75	Payment transactions where the transaction amount is not known in advance	structuralOpen	59
76	Refunds for payment transactions initiated by or through a payee	structuralOpen	59
77	Requests for refunds for payment transactions initiated by or through a payee	structuralOpen	59
78	Receipt of payment orders	structuralOpen	59
79	Refusal of payment orders	structuralOpen	59
80	Irrevocability of a payment order	structuralOpen	59
81	Amounts transferred and amounts received	structuralOpen	59
82	Scope	structuralOpen	59
83	Payment transactions to a payment account	structuralOpen	59
84	Absence of payee’s payment account with the payment service provider	structuralOpen	59
85	Cash placed on a payment account	structuralOpen	59
86	National payment transactions	structuralOpen	59
87	Value date and availability of funds	structuralOpen	59
88	Incorrect unique identifiers	structuralOpen	59
89	Payment service providers’ liability for non-execution, defective or late execution of payment transactions	structuralOpen	59
90	Liability in the case of payment initiation services for non-execution, defective or late execution of payment transactions	structuralOpen	59
91	Additional financial compensation	structuralOpen	59
92	Right of recourse	structuralOpen	59
93	Abnormal and unforeseeable circumstances	structuralOpen	59
94	Data protection	structuralOpen	59
95	Management of operational and security risks	structuralOpen	59
96	Incident reporting	structuralOpen	59
97	Authentication	structuralOpen	59
98	Regulatory technical standards on authentication and communication	structuralOpen	59
99	Complaints	structuralOpen	59