natgillin/translations-raw huggingface dataset:
Kommissionen tillægges beføjelse til at vedtage de i første afsnit omhandlede gennemførelsesmæssige tekniske standarder i overensstemmelse med artikel 15 i forordning (EU) nr. 1093/2010.
EBA shall submit those draft regulatory technical standards to the Commission by 13 January 2018.
Artikel 16
EBA shall develop draft implementing technical standards on the details and structure of the information to be notified pursuant to paragraph 1, including the common format and model in which this information is to be provided.
Bevarelse af tilladelse
EBA shall submit those draft implementing technical standards to the Commission by 13 July 2017.
Hvis der sker ændringer, som har indflydelse på de oplysninger eller det materiale, der er fremlagt i overensstemmelse med artikel 5, underretter betalingsinstituttet snarest muligt de kompetente myndigheder i hjemlandet herom.
Power is conferred on the Commission to adopt the implementing technical standards referred to in the first subparagraph in accordance with Article 15 of Regulation (EU) No 1093/2010.
Regnskaber og lovpligtig revision
Maintenance of authorisation
Direktiv 86/635/EØF og 2013/34/EU samt Europa-Parlamentets og Rådets forordning (EF) nr. 1606/2002 [34] finder tilsvarende anvendelse på betalingsinstitutter.
Where any change affects the accuracy of information and evidence provided in accordance with Article 5, the payment institution shall, without undue delay, inform the competent authorities of its home Member State accordingly.
Medmindre de er undtaget i henhold til direktiv 2013/34/EU og, hvor det er relevant, direktiv 86/635/EØF, revideres betalingsinstitutternes årsregnskaber og konsoliderede regnskaber af en revisor eller et revisionsfirma som omhandlet i direktiv 2006/43/EF.
Article 17
Medlemsstaterne kræver med henblik på tilsyn, at betalingsinstitutterne fremlægger særskilte regnskabsoplysninger om de betalingstjenester og de aktiviteter, der er omhandlet i artikel 18, stk. 1; oplysningerne skal forsynes med en revisionserklæring.
Accounting and statutory audit
Erklæringen udarbejdes, hvor det er relevant, af revisorerne eller et revisionsfirma.
Directives 86/635/EEC and 2013/34/EU, and Regulation (EC) No 1606/2002 of the European Parliament and of the Council [34], shall apply to payment institutions mutatis mutandis.
Forpligtelserne i artikel 63 i direktiv 2013/36/EU finder tilsvarende anvendelse på betalingsinstitutternes revisorer eller revisionsfirmaer for så vidt angår aktiviteter vedrørende betalingstjenester.
Unless exempted under Directive 2013/34/EU and, where applicable, Directive 86/635/EEC, the annual accounts and consolidated accounts of payment institutions shall be audited by statutory auditors or audit firms within the meaning of Directive 2006/43/EC.
Artikel 18
For supervisory purposes, Member States shall require that payment institutions provide separate accounting information for payment services and activities referred to in Article 18(1), which shall be subject to an auditor’s report.
Aktiviteter
That report shall be prepared, where applicable, by the statutory auditors or an audit firm.
Ud over at udbyde betalingstjenester har betalingsinstitutter ret til at udøve følgende aktiviteter:
The obligations established in Article 63 of Directive 2013/36/EU shall apply mutatis mutandis to the statutory auditors or audit firms of payment institutions in respect of payment services activities.
at udbyde driftsmæssige og nært tilknyttede accessoriske tjenester som f.eks. sikkerhed for gennemførelse af betalingstransaktioner, valutaveksling, depottjenester samt lagring og behandling af data
Article 18
at drive betalingssystemer, jf. dog artikel 35
Activities
andre forretningsaktiviteter end betalingstjenester, under hensyn til gældende EU-ret og national ret.
Apart from the provision of payment services, payment institutions shall be entitled to engage in the following activities:
Hvis betalingsinstitutter beskæftiger sig med udbud af en eller flere betalingstjenester, må de kun føre betalingskonti, der udelukkende anvendes til betalingstransaktioner.
the provision of operational and closely related ancillary services such as ensuring the execution of payment transactions, foreign exchange services, safekeeping activities, and the storage and processing of data;
Midler, som betalingsinstitutter modtager fra betalingstjenestebrugere med henblik på udbud af betalingstjenester, må ikke betragtes som indlån eller andre tilbagebetalingspligtige midler, jf. artikel 9 i direktiv 2013/36/EU, eller elektroniske penge som defineret i artikel 2, nr. 2), i direktiv 2009/110/EF.
the operation of payment systems, without prejudice to Article 35;
Betalingsinstitutter må kun yde kredit i forbindelse med betalingstjenester som omhandlet i punkt 4 eller 5 i bilag I, hvis alle følgende betingelser er opfyldt:
business activities other than the provision of payment services, having regard to applicable Union and national law.
kreditten er accessorisk og ydes udelukkende i forbindelse med gennemførelse af en betalingstransaktion
Where payment institutions engage in the provision of one or more payment services, they may hold only payment accounts which are used exclusively for payment transactions.
kredit, der ydes i forbindelse med en betaling og gennemføres i overensstemmelse med artikel 11, stk. 9, og artikel 28, tilbagebetales uanset nationale regler om kredit med kreditkort inden for et kort tidsrum, der i intet tilfælde må overstige 12 måneder
Any funds received by payment institutions from payment service users with a view to the provision of payment services shall not constitute a deposit or other repayable funds within the meaning of Article 9 of Directive 2013/36/EU, or electronic money as defined in point (2) of Article 2 of Directive 2009/110/EC.
en sådan kredit ydes ikke med brug af midler, som er modtaget eller besiddes for at gennemføre en betalingstransaktion
Payment institutions may grant credit relating to payment services as referred to in point (4) or (5) of Annex I only if all of the following conditions are met:
betalingsinstituttets kapitalgrundlag er til enhver tid og efter tilsynsmyndighedernes opfattelse passende i forhold til den samlede kredit, der ydes.
the credit shall be ancillary and granted exclusively in connection with the execution of a payment transaction;
Betalingsinstitutter må ikke erhvervsmæssigt tage imod indlån eller andre tilbagebetalingspligtige midler som omhandlet i artikel 9 i direktiv 2013/36/EU.
notwithstanding national rules on providing credit by credit cards, the credit granted in connection with a payment and executed in accordance with Article 11(9) and Article 28 shall be repaid within a short period which shall in no case exceed 12 months;
Dette direktiv berører ikke direktiv 2008/48/EF, anden relevant EU-ret eller nationale foranstaltninger vedrørende betingelser for ydelse af kredit til forbrugere, der ikke er harmoniseret ved nærværende direktiv og overholder EU-retten.
such credit shall not be granted from the funds received or held for the purpose of executing a payment transaction;
Afdeling 2
the own funds of the payment institution shall at all times and to the satisfaction of the supervisory authorities be appropriate in view of the overall amount of credit granted.
Andre krav
Payment institutions shall not conduct the business of taking deposits or other repayable funds within the meaning of Article 9 of Directive 2013/36/EU.
Artikel 19
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.
Anvendelse af agenter, filialer eller enheder, hvortil aktiviteter outsources
Section 2
Når et betalingsinstitut har til hensigt at udbyde betalingstjenester gennem en agent, meddeler det de kompetente myndigheder i hjemlandet følgende:
Other requirements
navn og adresse på agenten
Article 19
en beskrivelse af de interne kontrolmekanismer, som agenten vil anvende for at opfylde forpligtelserne vedrørende hvidvask af penge og finansiering af terrorisme i henhold til direktiv (EU) 2015/849; kontrolmekanismerne skal straks ajourføres i tilfælde af væsentlige ændringer af de elementer, der blev oplyst i den oprindelige meddelelse
Use of agents, branches or entities to which activities are outsourced
identiteten af direktører og ledelsesansvarlige for den agent, der skal formidle udbud af betalingstjenester, og for andre agenter end betalingstjenesteudbydere dokumentation for, at de besidder den nødvendige egnethed og hæderlighed
Where a payment institution intends to provide payment services through an agent it shall communicate the following information to the competent authorities in its home Member State:
de af betalingsinstituttets betalingstjenester, som agenten er bemyndiget til at udbyde, og
the name and address of the agent;
i givet fald agentens identifikationskode eller -nummer.
a description of the internal control mechanisms that will be used by the agent in order to comply with the obligations in relation to money laundering and terrorist financing under Directive (EU) 2015/849, to be updated without delay in the event of material changes to the particulars communicated at the initial notification;
Senest to måneder efter modtagelsen af de i stk. 1 omhandlede oplysninger meddeler hjemlandets kompetente myndighed betalingsinstituttet, om agenten er blevet opført i det register, der er omhandlet i artikel 14.
the identity of directors and persons responsible for the management of the agent to be used in the provision of payment services and, for agents other than payment service providers, evidence that they are fit and proper persons;
Ved opførelse i registeret må agenten begynde at udbyde betalingstjenester.
the payment services of the payment institution for which the agent is mandated; and
Før de kompetente myndigheder opfører agenten i registret, træffer de, hvis de skønner, at de oplysninger, de har modtaget, ikke er korrekte, yderligere foranstaltninger til at kontrollere oplysningerne.
where applicable, the unique identification code or number of the agent.
Hvis de kompetente myndigheder efter at have kontrolleret oplysningerne ikke finder det godtgjort, at de oplysninger, som de har modtaget i henhold til stk. 1, er korrekte, afviser de at opføre agenten i det register, der er omhandlet i artikel 14, og underretter uden unødig forsinkelse betalingsinstituttet herom.
Within 2 months of receipt of the information referred to in paragraph 1, the competent authority of the home Member State shall communicate to the payment institution whether the agent has been entered in the register provided for in Article 14.
Hvis betalingsinstituttet ønsker at udbyde betalingstjenester i en anden medlemsstat ved at anvende en agent eller oprette en filial, skal det følge procedurerne i artikel 28.
Upon entry in the register, the agent may commence providing payment services.
Hvis et betalingsinstitut har til hensigt at outsource betalingstjenesters driftsmæssige funktioner, underretter det de kompetente myndigheder i hjemlandet herom.
Before listing the agent in the register, the competent authorities shall, if they consider that the information provided to them is incorrect, take further action to verify the information.
Vigtige driftsmæssige funktioner, herunder IT-systemer, må ikke outsources på en måde, der i væsentlig grad forringer kvaliteten af betalingsinstituttets interne kontrol og de kompetente myndigheders mulighed for at kunne overvåge og spore, om betalingsinstituttet opfylder alle forpligtelserne i dette direktiv.
If, after taking action to verify the information, the competent authorities are not satisfied that the information provided to them pursuant to paragraph 1 is correct, they shall refuse to list the agent in the register provided for in Article 14 and shall inform the payment institution without undue delay.
I den i andet afsnit omhandlede betydning betragtes en driftsmæssig funktion som vigtig, hvis en fejl eller et svigt i gennemførelsen i væsentlig grad vil forringe betalingsinstituttets vedvarende overholdelse af de krav i forbindelse med dets tilladelse i henhold til dette afsnit, eller dets øvrige forpligtelser efter dette direktiv, dets driftsmæssige resultat eller dets betalingstjenesters soliditet eller fortsatte beståen.
If the payment institution wishes to provide payment services in another Member State by engaging an agent or establishing a branch it shall follow the procedures set out in Article 28.
Medlemsstaterne sikrer, at betalingsinstitutter, når de outsourcer vigtige driftsmæssige funktioner, opfylder følgende betingelser:
Where a payment institution intends to outsource operational functions of payment services, it shall inform the competent authorities of its home Member State accordingly.
outsourcing må ikke føre til, at den daglige ledelse delegerer sit ansvar
Outsourcing of important operational functions, including IT systems, shall not be undertaken in such way as to impair materially the quality of the payment institution’s internal control and the ability of the competent authorities to monitor and retrace the payment institution’s compliance with all of the obligations laid down in this Directive.
betalingsinstituttets forhold til og forpligtelser over for sine betalingstjenestebrugere i henhold til dette direktiv må ikke ændres
For the purposes of the second subparagraph, an operational function shall be regarded as important if a defect or failure in its performance would materially impair the continuing compliance of a payment institution with the requirements of its authorisation requested pursuant to this Title, its other obligations under this Directive, its financial performance, or the soundness or the continuity of its payment services.
de betingelser, som betalingsinstituttet skal opfylde for at blive meddelt tilladelse og bevare denne i overensstemmelse med dette afsnit, skal fortsat opfyldes
Member States shall ensure that when payment institutions outsource important operational functions, the payment institutions meet the following conditions:
ingen af de øvrige betingelser, som lå til grund for meddelelsen af tilladelse, må ophæves eller ændres.
the outsourcing shall not result in the delegation by senior management of its responsibility;
Betalingsinstitutter sikrer, at agenter eller filialer, der handler på deres vegne, underretter betalingstjenestebrugerne herom.
the relationship and obligations of the payment institution towards its payment service users under this Directive shall not be altered;
Betalingsinstitutter meddeler straks de kompetente myndigheder i deres hjemland ændringer vedrørende anvendelse af enheder, hvortil aktiviteter er outsourcet, og, i overensstemmelse med proceduren i stk. 2, 3 og 4, agenter, herunder yderligere agenter.
the conditions with which the payment institution is to comply in order to be authorised and remain so in accordance with this Title shall not be undermined;
Artikel 20
none of the other conditions subject to which the payment institution’s authorisation was granted shall be removed or modified.
Ansvar
Payment institutions shall ensure that agents or branches acting on their behalf inform payment service users of this fact.
Medlemsstaterne sikrer, at betalingsinstitutter, der lader tredjemand udføre driftsmæssige funktioner, træffer de nødvendige foranstaltninger for at sikre, at bestemmelserne i dette direktiv overholdes.
Payment institutions shall communicate to the competent authorities of their home Member State without undue delay any change regarding the use of entities to which activities are outsourced and, in accordance with the procedure provided for in paragraphs 2, 3 and 4, agents, including additional agents.
Medlemsstaterne kræver, at betalingsinstitutterne har det fulde erstatningsansvar for enhver handling, der foretages af deres ansatte eller agenter, filialer eller enheder, hvortil der er outsourcet aktiviteter.
Article 20
Artikel 21
Liability
Opbevaring af dokumentation
Member States shall ensure that, where payment institutions rely on third parties for the performance of operational functions, those payment institutions take reasonable steps to ensure that the requirements of this Directive are complied with.
Medlemsstaterne pålægger betalingsinstitutter at registrere og opbevare alle de oplysninger, der er relevante for dette afsnit, i mindst fem år, jf. dog direktiv (EU) 2015/849 eller anden relevant EU-ret.
Member States shall require that payment institutions remain fully liable for any acts of their employees, or any agent, branch or entity to which activities are outsourced.
Afdeling 3
Article 21
Kompetente myndigheder og tilsyn
Record-keeping
Artikel 22
Member States shall require payment institutions to keep all appropriate records for the purpose of this Title for at least 5 years, without prejudice to Directive (EU) 2015/849 or other relevant Union law.
Udpegning af kompetente myndigheder
Section 3
Som kompetente myndigheder med ansvar for meddelelse af tilladelse til og tilsyn med betalingsinstitutter, der skal udføre de i dette afsnit omhandlede opgaver, udpeger medlemsstaterne enten offentlige myndigheder eller organer, der er anerkendt i national ret eller af de offentlige myndigheder, som udtrykkeligt har beføjelse hertil efter national ret, herunder nationale centralbanker.
Competent authorities and supervision
De kompetente myndigheder skal være uafhængige af økonomiske organer, og interessekonflikter skal undgås.
Article 22
Uden at dette berører første afsnit, må betalingsinstitutter, kreditinstitutter, udstedere af elektroniske penge eller postgirokontorer ikke udpeges som kompetente myndigheder.
Designation of competent authorities
Medlemsstaterne underretter Kommissionen herom.
Member States shall designate as the competent authorities responsible for the authorisation and prudential supervision of payment institutions which are to carry out the duties provided for under this Title either public authorities, or bodies recognised by national law or by public authorities expressly empowered for that purpose by national law, including national central banks.
Medlemsstaterne sikrer, at de kompetente myndigheder, der udpeges efter stk. 1, har alle de beføjelser, der er nødvendige for at varetage deres opgaver.
The competent authorities shall guarantee independence from economic bodies and avoid conflicts of interest.
Medlemsstater, på hvis område der er mere end én kompetent myndighed for de spørgsmål, der er omfattet af dette afsnit, sikrer, at disse myndigheder samarbejder tæt, således at de kan varetage deres respektive opgaver effektivt.
Without prejudice to the first subparagraph, payment institutions, credit institutions, electronic money institutions, or post office giro institutions shall not be designated as competent authorities.
Det samme gælder i de tilfælde, hvor de myndigheder, der er kompetente i forbindelse med spørgsmål, der er omfattet af dette afsnit, ikke er de kompetente myndigheder, der er ansvarlige for tilsyn med kreditinstitutter.
The Member States shall inform the Commission accordingly.
De kompetente myndigheder i hjemlandet er ansvarlige for de opgaver, som varetages af de kompetente myndigheder, der udpeges efter stk. 1.
Member States shall ensure that the competent authorities designated under paragraph 1 possess all powers necessary for the performance of their duties.
Stk. 1 indebærer ikke, at de kompetente myndigheder skal føre tilsyn med andre af betalingsinstitutternes forretningsaktiviteter end udbud af betalingstjenester og de aktiviteter, der er omhandlet i artikel 18, stk. 1, litra a).
Member States on whose territories there is more than one competent authority for matters covered by this Title shall ensure that those authorities cooperate closely so that they can discharge their respective duties effectively.
Artikel 23
The same applies where the authorities competent for matters covered by this Title are not the competent authorities responsible for the supervision of credit institutions.
Tilsyn
The tasks of the competent authorities designated under paragraph 1 shall be the responsibility of the competent authorities of the home Member State.
Medlemsstaterne sikrer, at de kompetente myndigheders kontrol af overholdelsen af bestemmelserne i dette afsnit er proportional, hensigtsmæssig og afpasset efter de risici, som betalingsinstitutter er udsat for.
Paragraph 1 shall not imply that the competent authorities are required to supervise business activities of the payment institutions other than the provision of payment services and the activities referred to in point (a) of Article 18(1).
For at kontrollere overholdelsen af bestemmelserne i dette afsnit er de kompetente myndigheder berettiget til navnlig at tage følgende skridt:
Article 23
at kræve, at betalingsinstituttet giver alle de oplysninger, der er nødvendige for at kunne kontrollere overholdelse, med angivelse af formålet med kravet, hvis det er relevant, og fristen for indgivelse af disse oplysninger
Supervision
at udføre inspektioner på stedet hos betalingsinstituttet, enhver agent eller filial, der udbyder betalingstjenester under betalingsinstituttets ansvar, eller hos enhver enhed, som aktiviteterne er outsourcet til
Member States shall ensure that the controls exercised by the competent authorities for checking continued compliance with this Title are proportionate, adequate and responsive to the risks to which payment institutions are exposed.
at udstede henstillinger, retningslinjer og i givet fald bindende administrative forskrifter
In order to check compliance with this Title, the competent authorities shall, in particular, be entitled to take the following steps:
at suspendere eller inddrage en tilladelse i henhold til artikel 13.
to require the payment institution to provide any information needed to monitor compliance specifying the purpose of the request, as appropriate, and the time limit by which the information is to be provided;
Med forbehold af procedurerne for inddragelse af tilladelser og strafferetlige bestemmelser sørger medlemsstaterne for, at deres respektive kompetente myndigheder, i tilfælde af at et betalingsinstitut eller dets ansvarlige ledelse har overtrådt love eller administrative bestemmelser om tilsyn med betalingsinstitutter eller om disses betalingstjenestevirksomhed, kan pålægge disse sanktioner eller påbyde foranstaltninger med det klare formål at bringe de konstaterede overtrædelser eller årsagerne hertil til ophør.
to carry out on-site inspections at the payment institution, at any agent or branch providing payment services under the responsibility of the payment institution, or at any entity to which activities are outsourced;
Uanset kravene i artikel 7, artikel 8, stk. 1 og 2, og artikel 9 sikrer medlemsstaterne, at de kompetente myndigheder har tilladelse til at tage de i stk. 1 omhandlede skridt med henblik på at sikre tilstrækkelig kapital til betalingstjenester, navnlig hvis de af betalingsinstituttets aktiviteter, der ikke er betalingstjenester, forringer eller vil kunne forringe betalingsinstituttets finansielle soliditet.
to issue recommendations, guidelines and, if applicable, binding administrative provisions;
Artikel 24
to suspend or to withdraw an authorisation pursuant to Article 13.
Tavshedspligt
Without prejudice to the procedures for the withdrawal of authorisations and the provisions of criminal law, the Member States shall provide that their respective competent authorities, may, as against payment institutions or those who effectively control the business of payment institutions which breach laws, regulations or administrative provisions concerning the supervision or pursuit of their payment service business, adopt or impose in respect of them penalties or measures aimed specifically at ending observed breaches or the causes of such breaches.