Virallinen lehti nro C 151 , 19/06/1995 s. 0370



A4-0089/95 Ehdotus Euroopan parlamentin ja neuvoston direktiiviksi rajat ylittävistä siirroista(KOM(94)0436 - C4-0229/94 - 94/0242(COD)) Ehdotus hyväksyttiin seuraavin tarkistuksin: (Tarkistus 1) Otsikko >Alkuperäinen teksti> Proposal for a European Parliament and Council Directive on cross-border >EP:n äänestyksessä hyväksytty teksti> Proposal for a European Parliament and Council Directive on EU:n luoton transfers >EP:n äänestyksessä hyväksytty teksti> (Vastaavasti tämän tarkistuksen kanssa nimitys "rajat ylittävät siirrot" korvataan nimityksellä "EU:n luotonsiirrot" muualla direktiivissä) (Tarkistus 2) Johdanto-osan kappale 3 >Alkuperäinen teksti> Whereas this Directive intends to follow up the progress towards the liberalization of capital movements reached during stage 1 of economic and monetary union; whereas it takes account of the purpose of facilitating the use of the ECU set out in the Treaty; whereas it is conceived as a step towards the progressive implementation of economic and monetary union; whereas its provisions should apply to credit transfers in any currency, including the ECU; >EP:n äänestyksessä hyväksytty teksti> Whereas this Directive intends to follow up the progress towards liberalization of capital movements reached during stages 1 ja 2 of talous and rahaliitto; whereas it takes account of the purpose of facilitating the use of the ECU; whereas it is conceived as a step towards the progressive implementation of talous and rahaliitto; whereas its provisions should apply to credit transfers in jäsenvaltioiden valuutoissa ja the ECU; (Tarkistus 3) Johdanto-osan kappale 10 >Alkuperäinen teksti> Whereas this Directive should apply to credit transfers for any amount; whereas institutions should be under an obligation to refund in the case of a non- completed transfer; whereas the obligation to refund imposes a contingent liability on institutions which might, if the possibility were not given to exclude high-value transfers, have a prudential effect on the solvency requirement; whereas the possibility of derogation (by Member States and, if so exercised, by institutions) from this obligation should be provided only in the case of high-value payments of more than ECU 10 000; whereas this threshold does not apply to any other Article of this Directive; >EP:n äänestyksessä hyväksytty teksti> Whereas this Directive should apply to credit transfers, jotka ovat enintään 50 000 ecun suuruisia; whereas institutions should be under an obligation to refund in the case of a non-completed transfer; (Tarkistus 4) Johdanto-osan kappale 10 a (uusi) >EP:n äänestyksessä hyväksytty teksti> Tämän direktiivin käsittelemiä alueita varten on oltava käytettävissä riippumaton valitus- ja korvausmenettely antamaan kuluttajalle paremman suojan; tällainen menettely olisi aikaansaatava jäsenvaltioiden tasolla mahdollisimman vähäisin kustannuksin ja käyttäen hyväksi mahdollisesti jo olemassa olevia menettelyjä; (Tarkistus 5) 1 artiklan 2 kohta >Alkuperäinen teksti> 2. This Directive shall apply to credit transfers in any currency, including the ECU, and for any amount save where the derogation in Article 7(3) has been exercised. >EP:n äänestyksessä hyväksytty teksti> 2. This Directive shall apply to credit transfers in jäsenvaltioiden valuutoissa ja ecuissa 50 000 ecuun asti. (Tarkistus 6) 2 artiklan l kohta >Alkuperäinen teksti> «force majeure» shall not include the insolvency of an intermediary institution but shall otherwise have the meaning ascribed to it in indent (ii) of the second subparagraph of Article 4(6) of Council Directive 90/314/EEC; >EP:n äänestyksessä hyväksytty teksti> «force majeure» shall tarkoitetaan poikkeuksellisia ja odottamattomia olosuhteita, jotka eivät ole kyseisen osapuolen hallittavissa ja joiden seurauksia ei olisi voitu välttää, vaikka tilanne olisi ennakoitu indent (ii) of the second subparagraph of Article 4(6) of Council Directive 90/314/EEC; (Tarkistus 7) 2 artiklan m kohta >Alkuperäinen teksti> (m) «interest» shall mean the inter-bank offered rate, increased by two percentage points, in the relevant market for deposits in the currency of any given payment, calculated for the period of the delay; >EP:n äänestyksessä hyväksytty teksti> m) «interest» shall mean sitä korkokantaa, jota laitos soveltaisi asiakkaansa tiliin kyseisenä aikana, jos tämän asiakkaan tili on tuolloin ylittynyt; (Tarkistus 8) 2 artiklan p kohta >Alkuperäinen teksti> (p) 'completion' of a credit transfer shall mean acceptance by the beneficiary's institution; >EP:n äänestyksessä hyväksytty teksti> (p) 'completion' of a credit transfer shall mean maksun vastaanottoa by the beneficiary's institution; (Tarkistus 9) 2 artiklan q kohta >Alkuperäinen teksti> (q) «intermediary institution» shall mean an institution which is neither that of the originator nor that of the beneficiary; >EP:n äänestyksessä hyväksytty teksti> (q) «intermediary institution» shall mean an institution which is neither that of the originator nor that of the beneficiary, ja joka osallistuu EU:n luotonsiirron toteuttamiseen. (Tarkistus 10) 3 artikla >Alkuperäinen teksti> Information prior to a credit transfer (made or received) The institution shall supply its customers with clear written information about the services it provides to effect or receive credit transfers. This information shall include: - an indication of the time needed for the funds to be credited to the account of the beneficiary's institution or to the beneficiary, as appropriate; - the basis of the calculation of any commissions and charges payable by the customer to the institution; - the value date, if any, applicable by the institution; - and a reference to the redress procedures available to the customer and the method of gaining access to them. >EP:n äänestyksessä hyväksytty teksti> Information prior to a credit transfer (made or received) The institution shall supply its customer with clear written information, tarvittaessa myös sähköisessä muodossa, about the services it provides to effect or receive credit transfers. This information shall vähintään include: - the time needed for the funds to be credited to the account of the beneficiary's institution or to the beneficiary, as appropriate, - kaikki siirto commissions and charges payable by the customer to the institution sisältäen kaikki sovellettavat verot ja perusteet, joiden mukaan vaihtokurssit lasketaan; - the value date, if any, applicable by the institution, - and a reference to the redress ja valitus procedures available to the customer and the method of gaining access to them. Tämä tieto on toimitettava suoraan asiakkaalle ja vakioidussa muodossa kuluvertailun mahdollistamiseksi. (Tarkistus 11) 4 artikla, johdanto sekä ensimmäinen ja toinen luetelmakohta >Alkuperäinen teksti> The institution shall supply its customers with clear written information subsequent to their making or receiving a credit transfer. This information shall at least include: - a reference enabling its customer to identify the payment, - the amount of any charges payable by its customer. Where the originator has authorized a deduction from the amount of a credit transfer, this fact and the original amount of the credit transfer shall be stated by the beneficiary's bank to the beneficiary, >EP:n äänestyksessä hyväksytty teksti> The institution shall supply its customers with clear written information tarvittaessa myös sähköisessä muodossa subsequent to their making or receiving a credit transfer. This information shall at least include: - a reference enabling its customer to identify the payment, - the kulut payable by its customer. Where the originator has authorized a deduction from the amount of a credit transfer, this fact and the original amount of the credit transfer shall be stated by the beneficiary's bank to the beneficiary, (Tarkistus 12) 5 artiklan 1 kohta, johdanto >Alkuperäinen teksti> 1. Each institution having accepted a payment order shall execute the related credit transfer within the time scale agreed with the customer (or institution) making the payment order. In the absence of a specific agreement as to the time scale, the institution shall act soon enough to enable its published clear time scale to be achieved. Where there is neither a specific agreement nor an applicable published time scale, the following obligations shall apply: >EP:n äänestyksessä hyväksytty teksti> 1. Each institution having accepted a payment order shall execute the related credit transfer mahdollisimman nopeasti within the time scale agreed with the customer (or institution) making the payment order. In the absence of a specific agreement, the following obligations shall apply: (Tarkistus 13) 5 artiklan 2 kohta >Alkuperäinen teksti> 2. The originator's institution shall compensate the originator by the payment of interest on the amount of the credit transfer where it is completed late, but shall not be liable for consequential losses under this Directive. No compensation shall be payable where the originator's bank can establish that the delay was attributable to the originator. >EP:n äänestyksessä hyväksytty teksti> 2. The originator's institution shall compensate the originator by the payment of interest on the amount of the credit transfer where it is completed late, but shall not be liable for consequential losses under this Directive. Jos maksunantajan laitos ei ole vastuussa viivästymisestä, se voi vaatia viivästymisen aiheuttaneelta laitokselta takaisin maksettavaksi vaaditun summan sekä vastaavan koron. No compensation shall be payable where the originator's bank can establish that the delay was attributable to the originator. (Tarkistus 14) 5 artiklan 3 kohta >Alkuperäinen teksti> 3. In addition to the obligation of execution in paragraph 1, the beneficiary's institution shall compensate the beneficiary by the payment of interest on the amount of the credit transfer where it is late in being placed at the beneficiary's disposal. >EP:n äänestyksessä hyväksytty teksti> 3. In addition to the obligation of execution in paragraph 1, the beneficiary's institution shall compensate the beneficiary by the payment of interest on the amount of the credit transfer where it is late in being placed at the beneficiary's disposal ja viivästymisen on aiheuttanut maksunsaajan laitos. (Tarkistus 15) 6 artiklan 1 kohta >Alkuperäinen teksti> 1. The originator's institution, any intermediary institution and the beneficiary's institution, once they have accepted the payment order, shall each be obliged to execute the related credit transfer for the full amount thereof unless authorized to make a deduction therefrom. Without prejudice to the duty not to deduct, the beneficiary's institution may, where appropriate, levy an additional change on the beneficiary relating to the administration of his account. However, any such additional administrative charge shall not exceed the charge that would be made for a domestic credit transfer. >EP:n äänestyksessä hyväksytty teksti> 1. The originator's institution, any intermediary institution and the beneficiary's institution, once they have accepted the payment order, shall each be obliged to execute the related credit transfer for the full amount thereof unless maksunantajan authorized to make a deduction therefrom. Without prejudice to the duty not to deduct, the beneficiary's institution may, where appropriate, levy an additional change on the beneficiary relating to the administration of his account. However, any such additional administrative charge shall not exceed the charge that would be made for a domestic credit transfer. (Tarkistus 16) 6 artiklan 2 kohta >Alkuperäinen teksti> Where a breach of the duty to execute in accordance with the payment order as described in paragraph 1 has been caused by any institution other than the beneficiary's institution, the institution of the originator shall be liable to credit to the originator any sum wrongly deducted by any institution, at its own cost. Alternatively, if required to do so by the originator it shall transfer such amount to the credit of the beneficiary, free of all deductions, at its own cost. Any intermediary institution making a deduction in breach of the duty in paragraph 1 shall be liable to credit the sum so deducted to the institution of the originator. Alternatively, if required by the institution of the orginator, it shall transfer such amount, free of all deductions, to the credit of the beneficiary, at its own cost. >EP:n äänestyksessä hyväksytty teksti> Where a breach of the duty to execute in accordance with the payment order as described in paragraph 1 has been caused by any institution other than the beneficiary's institution and without prejudice to any other claim which might be made, the institution of the originator shall be liable to credit to the maksunsaajalle any sum wrongly deducted by any institution, at its own cost. Alternatively, if vaatii to do so by the originator it shall transfer such amount to the credit hänelle free of all deductions, at its own cost. Any intermediary institution making a deduction in breach of the duty in paragraph 1 shall be liable to siirtämään the sum so deducted to the institution of the originator. Alternatively, if vaatii, by the institution of the orginator, it shall transfer such amount, free of all deductions, to the maksunantajan laitokseen omalla at its own cost. (Tarkistus 18) 7 artiklan 1 kohta >Alkuperäinen teksti> 1. If, after a payment order has been accepted by the originator's institution, the related credit transfer is not for any reason completed, and without prejudice to any other claim which may be made, the originator is entitled to have his account credited on demand with the full amount of the credit transfer plus interest and the amount of the charges for the non-completed credit transfer, such demand to be made not earlier than 20 business days after the date on which the credit transfer should have been completed. Each intermediary institution which has accepted the payment order likewise owes an obligation to refund at its own cost the amount of the credit transfer to the institution which instructed it. >EP:n äänestyksessä hyväksytty teksti> 1. If, after a payment order has been accepted by the originator's institution, the related credit transfer is not completed, the originator is entitled to have his account credited omasta pyynnöstään with the full amount of the EU:n credit transfer 10 000 ecuun asti plus interest and the amount of the charges for the non-completed credit transfer, 15 business days after kyseisen pyynnön. Tätä pyyntöä ei voi esittää ennen 5 artiklan 1 kohdassa tarkoitetun ajanjakson umpeutumista. Each intermediary institution which has accepted the payment order likewise owes an obligation to refund at its own cost the amount of the credit transfer to the institution which instructed it. (Tarkistus 19) 7 artiklan 2 kohta >Alkuperäinen teksti> 2. If the non-completion of the credit transfer was caused by defective instructions given by the originator to his institution, the originator's institution and the other institutions involved shall use their best endeavours to make the refund referred to in paragraph 1. >EP:n äänestyksessä hyväksytty teksti> 2. If the non-completion of the credit transfer was caused by defective instructions given by the originator to his institution, the originator's institution and the other institutions involved shall use their best endeavours to make the refund referred to in paragraph 1. Laitokset eivät ole tässä tapauksessa velvollisia korvaamaan kertyneitä maksuja ja korkoa. (Tarkistus 28) 7 artiklan 3 kohta, toinen alakohta >Alkuperäinen teksti> Member States may allow institutions to derogate by contract from the obligation to refund, as described in paragraph I, in the following cases: - where the non-completion of the credit transfer is due to force majeure; or - for payments above ECU 10000. >EP:n äänestyksessä hyväksytty teksti> Artiklan 1 kohdassa määrätty korvausvelvoite ei kuitenkaan rajoita jäsenvaltioiden ja/tai laitosten mahdollisuutta hyvittää suorittamaton EU:n luotonsiirto, jos siirrettävä summa on korkeampi kuin 50 000 ecua. (Tarkistus 21) 7 artiklan 3 a kohta (uusi) >EP:n äänestyksessä hyväksytty teksti> 3 a. Tämän direktiivin säädökset eivät sido laitoksia siinä määrin, että ne voivat turvautua kyseisiä määräyksiä koskeviin force majeure -syihin. (Tarkistus 22) 7 b artikla (uusi) >EP:n äänestyksessä hyväksytty teksti> 7 b artikla 1. Jokaisen EU:n maksutoimintaa harjoittavan laitoksen on annettava viipymättä päätös asiakkaidensa valituksista. 2. Jos valituksen aihetta ei ole oikaistu tai valituksesta ei ole tehty päätöstä neljän viikon kuluessa, valituksen tekijät voivat ottaa yhteyttä riippumattomaan valitustoimistoon, joita jäsenvaltiot perustavat tätä tarkoitusta varten. 3. Tällaisten toimistojen osoiteluettelon on oltava saatavilla kaikissa EU:n maksutoimintaa harjoittavissa laitoksissa. Lainsäädäntöpäätöslauselma, johon sisältyy Euroopan parlamentin lausunto ehdotuksesta Euroopan parlamentin ja neuvoston direktiiviksi rajat ylittävistä siirroista(KOM(94)0436 - C4-0229/94 - 94/0242(COD)) (Yhteispäätösmenettely: ensimmäinen käsittely) Euroopan parlamentti, joka - ottaa huomioon komission ehdotuksen parlamentille ja neuvostolle, KOM(94)0436 - 94/0242(COD) ((EYVL C 360, 17.2.1994, s. 13)), - ottaa huomioon Euroopan yhteisön perustamissopimuksen 189 b artiklan 2 kohdan ja 100 a artiklan, joiden mukaisesti komissio lähetti ehdotuksen parlamentille (C4-0229/94), - ottaa huomioon työjärjestyksensä 58 artiklan, - ottaa huomioon talous- ja raha-asioita sekä teollisuuspolitiikkaa käsittelevän valiokunnan mietinnön ja ympäristö-, terveys- ja kuluttajansuojavaliokunnan sekä oikeusasioita ja kansalaisten oikeuksia käsittelevän valiokunnan lausunnot (A4-0089/95), 1. Hyväksyy komission ehdotuksen parlamentin tekemin tarkistuksin; 2. Pyytää komissiota muuttamaan ehdotustaan vastaavasti Euroopan yhteisön perustamissopimuksen 189 a artiklan 2 kohdan mukaisesti; 3. Pyytää neuvostoa sisällyttämään parlamentin tarkistukset yhteiseen kantaan, jonka se hyväksyy Euroopan yhteisön perustamissopimuksen 189 b + 2 kohdan artiklan mukaisesti; 4. Jos neuvosto aikoo poiketa parlamentin hyväksymästä tekstistä pyytää neuvostoa ilmoittamaan parlamentille ja pyytää, että sovittelumenettely aloitetaan; 5. Huomauttaa, että komission on annettava parlamentin käsiteltäväksi kaikki muutokset, joita se mahdollisesti aikoo tehdä parlamentin tarkistamaan ehdotukseen; 6. Pyytää puhemiestään välittämään tämän lausunnon neuvostolle ja komissiolle.