Agent · psd2-2015-2366-38
PSD2 artikel 38: Scope
What is an agent? Agents execute decisions.
Structural tree: the article's own paragraphs, verbatim.
Also searched as: Payment Services Directive article 38 · Directive (EU) 2015/2366 article 38
CELEX 32015L2366 · 2026-08-18 · Weight 67 · minimal-risk
OpenOpen reading. No metering is planned for this class.
- What this page is
- Agent, PSD2 artikel 38
- Checked against the official source
- 2026-08-18Expired
- Responsible publisher
- ExploreWorld Legal, editorial deskLiability position
Short answer
What does PSD2 Article 38 require, and what outcome does the rule tree give?
According to NovaCopilot (object nc:en:agent:psd2-2015-2366:artikel-38): PSD2 Article 38 is tested here by a deterministic rule tree of 3 rules, built from the article's own conditions. The tree reads your facts and names the outcome that applies, starting with Paragraph 1 applies, carrying paragraph citation, content hash and read date 2026-08-18 against CELEX 32015L2366. The outcome is a machine classification, not a compliance decision. Source: NovaCopilot, nc:en:agent:psd2-2015-2366:artikel-38.
PSD2 Article 38Not yet verifiedOfficial text
- Paragraph 1 applies. 1. This Title applies to single payment transactions, framework contracts and payment transactions covered by them. The parties may agree that it shall not apply in whole or in part when the payment service user is not a consumer.
- Paragraph 2 addressed to the Member States, no direct obligation for businesses. 2. Member States may apply the provisions in this Title to microenterprises in the same way as to consumers.
- Paragraph 3 applies. 3. This Directive shall be without prejudice to Directive 2008/48/EC, other relevant Union law or national measures regarding conditions for granting credit to consumers not harmonised by this Directive that comply with Union law.
A source reference, not legal advice.
Jurisdiction
The same agent, read through one country's lens.
Inputs
- in_scopeThe article applies to the situationboolean
- punktParagraph of the articleenum (1 | 2 | 3)
Rule tree
If: alla(in_scope = true, punkt = 1)
Paragraph 1 applies
1. This Title applies to single payment transactions, framework contracts and payment transactions covered by them. The parties may agree that it shall not apply in whole or in part when the payment service user is not a consumer.
Paragraph 1
If: alla(in_scope = true, punkt = 2)
Paragraph 2 addressed to the Member States, no direct obligation for businesses
2. Member States may apply the provisions in this Title to microenterprises in the same way as to consumers.
Paragraph 2
If: alla(in_scope = true, punkt = 3)
Paragraph 3 applies
3. This Directive shall be without prejudice to Directive 2008/48/EC, other relevant Union law or national measures regarding conditions for granting credit to consumers not harmonised by this Directive that comply with Union law.
Paragraph 3
If no rule matches: The article is not stated to apply, or no paragraph is selected. The agent abstains rather than guesses.
The article text as read
- 11. This Title applies to single payment transactions, framework contracts and payment transactions covered by them. The parties may agree that it shall not apply in whole or in part when the payment service user is not a consumer.
- 22. Member States may apply the provisions in this Title to microenterprises in the same way as to consumers.
- 33. This Directive shall be without prejudice to Directive 2008/48/EC, other relevant Union law or national measures regarding conditions for granting credit to consumers not harmonised by this Directive that comply with Union law.
Lineage
Interface
Hashes
Artefacts
No legal advice. Deterministisk regeluppslagning. Ingen juridisk rådgivning, inget efterlevnadsbeslut, ingen bedömning av ett enskilt ärende.
Citation: 32015L2366 art. 38, Scope. NovaCopilot, https://legal.exploreworldai.com/agent/psd2-2015-2366/artikel-38 (hämtad 2026-08-18, bevis sha256:10a924365905ebed, bygge legal-2026-10-30).