natgillin/translations-raw huggingface dataset:
Member States shall establish a public register of authorised payment institutions, their agents and branches, as well as of natural and legal persons, their agents and branches, benefiting from a waiver under Article 26, and of the institutions referred to in Article 2(3) that are entitled under national law to provide payment services.
Države članice vzpostavijo javni register plačilnih institucij z dovoljenjem, njihovih zastopnikov in podružnic ter fizičnih in pravnih oseb, njihovih zastopnikov in podružnic, katerim je bila odobrena opustitev v skladu s členom 26, ter institucij iz člena 2(3), kolikor so na podlagi nacionalne zakonodaje upravičena opravljati plačilne storitve.
They shall be entered in the register of the home Member State.
Vpisane so v register matične države članice.
This register shall identify the payment services for which the payment institution is authorised or for which the natural or legal person has been registered.
Ta register opredeljuje plačilne storitve, za katere je bilo plačilni instituciji izdano dovoljenje ali za katere je bila registrirana fizična ali pravna oseba.
Authorised payment institutions shall be listed in the register separately from natural and legal persons that have been registered in accordance with Article 26.
Plačilne institucije z dovoljenjem so v registru navedene ločeno od fizičnih in pravnih oseb, ki so bile registrirane v skladu s členom 26.
The register shall be publicly available for consultation, accessible online, and updated on a regular basis.
Register je na vpogled javnosti in dostopen prek spletne strani ter se redno posodablja.
Maintenance of authorisation
Ohranjanje dovoljenja
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.
Če sprememba vpliva na natančnost podatkov in dokazil, predloženih v skladu s členom 5, plačilna institucija o tem nemudoma obvesti pristojne organe svoje matične države članice.
Accounting and statutory audit
Računovodstvo in obvezna revizija
Directive 78/660/EEC and, where applicable, Directives 83/349/EEC and 86/635/EEC and Regulation (EC) 1606/2002 of the European Parliament and of the Council of 19 July 2002 on the application of international accounting standards shall apply to payment institutions mutatis mutandis.
Za plačilne institucije se smiselno uporabljajo Direktiva 78/660/EGS ter, če je ustrezno, Direktiva 83/349/EGS in Direktiva 86/635/EGS ter Uredba (ES) 1606/2002 Evropskega parlamenta in Sveta z dne 19. julija 2002 o uporabi mednarodnih računovodskih standardov.
Unless exempted under Directive 78/660/EEC and, where applicable, Directives 83/349/EEC and 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.
Zakoniti revizorji ali revizijska podjetja v smislu Direktive 2006/43/ES revidirajo letne računovodske izkaze in konsolidirane računovodske izkaze plačilnih institucij, razen če so oproščene v skladu z Direktivo 78/660/EGS ter, če je ustrezno, direktivama 83/349/EGS in 86/635/EGS.
For supervisory purposes, Member States shall require that payment institutions provide separate accounting information for payment services listed in the Annex and activities referred to in Article 16(1), which shall be subject to an auditor's report.
Države članice zaradi nadzora zahtevajo, da plačilne institucije predložijo ločene računovodske informacije o plačilnih storitvah, navedenih v Prilogi, in dejavnostih iz člena 16(1), ki bodo vključene v revizorjevo poročilo.
That report shall be prepared, where applicable, by the statutory auditors or an audit firm.
Če je ustrezno, to poročilo pripravijo zakoniti revizorji ali revizorsko podjetje.
The obligations established in Article 53 of Directive 2006/48/EC shall apply mutatis mutandis to the statutory auditors or audit firms of payment institutions in respect of payment services activities.
Pri dejavnostih plačilnih storitev se za zakonite revizorje ali revizorska podjetja plačilnih institucij smiselno uporabljajo obveznosti, določene v členu 53 Direktive 2006/48/ES.
Apart from the provision of payment services listed in the Annex payment institutions shall be entitled to engage in the following activities:
Poleg opravljanja plačilnih storitev, navedenih v Prilogi, imajo plačilne institucije pravico do opravljanja naslednjih dejavnosti:
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;
opravljanje operativnih in tesno povezanih sorodnih pomožnih storitev, kakor so zagotavljanje izvršitve plačilnih transakcij, storitve menjave valut, dejavnosti hrambe ter shranjevanje in obdelava podatkov;
the operation of payment systems, without prejudice to Article 28;
upravljanje plačilnih sistemov, brez poseganja v člen 28;
business activities other than the provision of payment services, having regard to applicable Community and national law.
poslovne dejavnosti, ki niso opravljanje plačilnih storitev, ob upoštevanju veljavne zakonodaje Skupnosti in nacionalne zakonodaje.
When payment institutions engage in the provision of one or more of the payment services listed in the Annex, they may hold only payment accounts used exclusively for payment transactions.
Če plačilne institucije opravljajo eno ali več plačilnih storitev, navedenih v Prilogi, lahko vodijo samo plačilne račune, ki se uporabljajo izključno za plačilne transakcije.
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 5 of Directive 2006/48/EC, or electronic money within the meaning of Article 1(3) of Directive 2000/46/EC.
Sredstva, ki jih plačilne institucije prejmejo od uporabnikov plačilnih storitev zaradi opravljanja plačilnih storitev, ne predstavljajo depozitov ali drugih vračljivih sredstev v smislu člena 5 Direktive 2006/48/ES ali elektronskega denarja v smislu člena 1(3) Direktive 2000/46/ES.
Payment institutions may grant credit related to payment services referred to in points 4, 5 or 7 of the Annex only if the following conditions are met:
Plačilne institucije lahko odobrijo posojilo, ki se nanaša na plačilne storitve iz točke 4, 5 ali 7 Priloge, samo če so izpolnjeni naslednji pogoji:
the credit shall be ancillary and granted exclusively in connection with the execution of a payment transaction;
posojilo je pomožno in se odobri izključno v povezavi z izvršitvijo plačilne transakcije in
notwithstanding national rules on providing credit by credit cards, the credit granted in connection with a payment and executed in accordance with Article 10(9) and Article 25 shall be repaid within a short period which shall in no case exceed twelve months;
ne glede na nacionalne predpise o dajanju posojil prek kreditnih kartic, se posojilo, odobreno v povezavi s plačilom in izvršeno v skladu s členoma 10(9) in 25, odplača v kratkem roku, ki v nobenem primeru ne presega dvanajstih mesecev;
such credit shall not be granted from the funds received or held for the purpose of executing a payment transaction; and
takšno posojilo ni odobreno iz sredstev, ki so prejeta ali se hranijo z namenom izvršitve plačilne transakcije; ter
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.
lastna sredstva plačilne institucije morajo biti za nadzorne organe vedno zadostna glede na skupni znesek odobrenega posojila.
Payment institutions shall not conduct the business of taking deposits or other repayable funds within the meaning of Article 5 of Directive 2006/48/EC.
Plačilne institucije ne opravljajo poslov sprejemanja depozitov ali drugih vračljivih sredstev v smislu člena 5 Direktive 2006/48/ES.
This Directive shall be without prejudice to national measures implementing Directive 87/102/EEC.
Ta direktiva ne posega v nacionalne ukrepe, s katerimi se izvaja Direktiva 87/102/EGS.
This Directive shall also be without prejudice to other relevant Community or national legislation regarding conditions for granting credit to consumers not harmonised by this Directive that are in conformity with Community law.
V skladu s pravom Skupnosti ta direktiva prav tako ne posega v drugo ustrezno zakonodajo Skupnosti ali nacionalno zakonodajo glede pogojev odobritve kredita potrošnikom, ki s to direktivo niso usklajeni.
Other requirements
Druge zahteve
Use of agents, branches or entities to which activities are outsourced
Uporaba zastopnikov, podružnic ali zunanjih izvajalcev
When 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:
Kadar namerava plačilna institucija opravljati plačilne storitve preko zastopnika, sporoči pristojnim organom v matični državi članici naslednje informacije:
the name and address of the agent;
ime in naslov zastopnika;
a description of the internal control mechanisms that will be used by agents in order to comply with the obligations in relation to money laundering and terrorist financing under Directive 2005/60/EC; and
opis mehanizmov notranje kontrole, ki jih bodo uporabljali zastopniki zaradi izpolnjevanja obveznosti v zvezi s pranjem denarja in financiranjem terorizma na podlagi Direktive 2005/60/ES; in
the identity of directors and persons responsible for the management of the agent to be used in the provision of payment services and evidence that they are fit and proper persons.
identiteto direktorjev in oseb, odgovornih za vodenje zastopnika, ki se uporabi za opravljanje plačilnih storitev, in dokazila, da so to sposobne in primerne osebe.
When the competent authorities receive the information in accordance with paragraph 1 then they may list the agent in the register provided for in Article 13.
Ko pristojni organi prejmejo informacije v skladu z odstavkom 1, lahko vpišejo navedenega zastopnika v register, določen v členu 13.
Before listing the agent in the register, the competent authorities may, if they consider that the information provided to them is incorrect, take further action to verify the information.
Pristojni organi lahko pred vpisom zastopnika v register sprejmejo nadaljnje ukrepe, s katerimi se predložene informacije preverijo, če dvomijo v njihovo pravilnost.
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 13.
Če pristojni organi tudi po ukrepih preverjanja informacij niso prepričani, da so informacije, ki so jim bile predložene v skladu z odstavkom 1, pravilne, zavrnejo vpis zastopnika v register, določen v členu 13.
If the payment institution wishes to provide payment services in another Member State by engaging an agent it shall follow the procedures set out in Article 25.
Če želi plačilna institucija opravljati plačilne storitve v drugi državi članici prek zastopnika, se ravna po postopkih, določenih v členu 25.
In that case, before the agent may be registered under this Article, the competent authorities of the home Member State shall inform the competent authorities of the host Member State of their intention to register the agent and take their opinion into account.
V tem primeru pristojni organi matične države članice pred vpisom zastopnika v register v skladu s tem členom pristojne organe države članice gostiteljice obvestijo o svoji nameri, da zastopnika vpišejo v register, in upoštevajo njihovo mnenje.
If the competent authorities of the host Member State have reasonable grounds to suspect that, in connection with the intended engagement of the agent or establishment of the branch, money laundering or terrorist financing within the meaning of Directive 2005/60/EC is taking place, has taken place or been attempted, or that the engagement of such agent or establishment of such branch could increase the risk of money laundering or terrorist financing, they shall so inform the competent authorities of the home Member State, which may refuse to register the agent or branch, or may withdraw the registration, if already made, of the agent or branch.
Če imajo pristojni organi države članice gostiteljice utemeljene razloge za sum, da gre ali je šlo v povezavi z nameravano zaposlitvijo zastopnika ali vzpostavitvijo podružnice za poskus ali storitev kaznivega dejanja pranja denarja ali financiranja terorizma v smislu Direktive 2005/60/ES, ali da bi zaposlitev takega zastopnika ali vzpostavitev takšne podružnice lahko povečala tveganje za pranje denarja ali financiranje terorizma, primerno obvestijo pristojne organe matične države članice, ki lahko zavrnejo vpis zastopnika ali podružnice v register, oziroma lahko vpis zastopnika ali podružnice v register, če je že bil opravljen, prekličejo.
Where a payment institution intends to outsource operational functions of payment services, it shall inform the competent authorities of its home Member State accordingly.
Kadar namerava plačilna institucija uporabiti zunanje zmogljivosti za izvajanje operativnih funkcij plačilnih storitev, o tem obvesti pristojne organe svoje matične države članice.
Outsourcing of important operational functions may 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 the payment institution's compliance with all obligations laid down in this Directive.
Uporaba zunanjih zmogljivosti za izvajanje pomembnih operativnih funkcij ne sme biti taka, da bi bistveno škodovala kakovosti notranje kontrole plačilne institucije in zmožnosti pristojnih organov, da spremljajo, kako družba izpolnjuje svoje obveznosti, določene v tej direktivi.
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 under this Title or its other obligations under this Directive, or its financial performance, or the soundness or the continuity of its payment services.
Za namene drugega pododstavka je operativna funkcija pomembna, če bi napaka ali izpad v njenem izvajanju bistveno škodovala neprekinjenemu izpolnjevanju obveznosti iz dovoljenja, za katero je plačilna institucija zaprosila na podlagi tega naslova, ali drugih obveznosti plačilne institucije po tej direktivi, njeni finančni uspešnosti ali trdnosti ali kontinuiranosti njenih plačilnih storitev.
Member States shall ensure that when payment institutions outsource important operational functions, the payment institutions comply with the following conditions:
Države članice zagotovijo, da plačilne institucije pri uporabi zunanjih zmogljivosti za izvajanje pomembnih operativnih funkcij izpolnjujejo naslednje pogoje:
the outsourcing shall not result in the delegation by senior management of its responsibility;
zunanje izvajanje ne povzroči prenosa odgovornosti višjega vodstva s strani slednjega;
the relationship and obligations of the payment institution towards its payment service users under this Directive shall not be altered;
odnos in obveznosti plačilne institucije do njenih uporabnikov plačilnih storitev v skladu s to direktivo se ne spremenijo;
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; and
pogoji, ki jih izpolnjuje plačilna institucija za pridobitev in ohranitev dovoljenja v skladu s tem naslovom, ne smejo biti ogroženi; in
none of the other conditions subject to which the payment institution's authorisation was granted shall be removed or modified.
nobeden od drugih pogojev, ki jih plačilna institucija izpolnjuje za pridobitev dovoljenja, ni odpravljen ali spremenjen.
Payment institutions shall ensure that agents or branches acting on their behalf inform payment service users of this fact.
Plačilne institucije zagotovijo, da zastopniki ali podružnice, ki delujejo v njihovem imenu, o tem primerno obvestijo uporabnike plačilnih storitev.
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.
Države članice zagotovijo, da plačilne institucije v primeru, ko uporabljajo tretje osebe za opravljanje operativnih funkcij, sprejmejo ustrezne ukrepe, da zagotovijo izpolnitev zahtev iz te direktive.
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.
Države članice zahtevajo, da plačilne institucije ostanejo v celoti odgovorne za vsa dejanja svojih zaposlenih, ali vseh zastopnikov, podružnic ali zunanjih izvajalcev.
Member States shall require payment institutions to keep all appropriate records for the purpose of this Title for at least five years, without prejudice to Directive 2005/60/EC or other relevant Community or national legislation.
Države članice zahtevajo, da plačilne institucije za namene tega naslova vodijo vse ustrezne evidence najmanj pet let, brez poseganja v Direktivo 2005/60/ES ali drugo zadevno zakonodajo Skupnosti ali nacionalno zakonodajo.
Competent authorities and supervision
Pristojni organi in nadzor
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.
Države članice kot pristojne organe, odgovorne za izdajo dovoljenj in bonitetni nadzor plačilnih institucij, ki morajo opravljati naloge iz tega naslova, imenujejo javne organe ali organe, ki jih priznajo nacionalna zakonodaja ali javni organi, ki jih v ta namen izrecno pooblasti nacionalna zakonodaja, vključno z nacionalnimi centralnimi bankami.
The competent authorities shall guarantee independence from economic bodies and avoid conflicts of interest.
Pristojni organi zagotovijo neodvisnost od gospodarskih subjektov in se izogibajo navzkrižju interesov.
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.
Brez poseganja v prvi pododstavek plačilne institucije, kreditne institucije, institucije za izdajo elektronskega denarja ali poštne institucije, ki opravljajo storitev brezgotovinskega nakazovanja, niso imenovane kot pristojni organi.
The Member States shall inform the Commission accordingly.
Države članice o tem obvestijo Komisijo.
Member States shall ensure that the competent authorities designated under paragraph 1 possess all the powers necessary for the performance of their duties.
Države članice zagotovijo, da imajo pristojni organi, imenovani na podlagi odstavka 1, vsa potrebna pooblastila za opravljanje svojih nalog.
Where there is more than one competent authority for matters covered by this Title on its territory, Member States shall ensure that those authorities cooperate closely so that they can discharge their respective duties effectively.
Če je za zadeve, ki jih obravnava ta naslov, na njenem ozemlju več kakor en pristojni organ, država članica zagotovi, da navedeni organi tesno sodelujejo, da lahko učinkovito opravljajo svoje naloge.
The same applies in cases where the authorities competent for matters covered by this Title are not the competent authorities responsible for the supervision of credit institutions.
Isto velja za primere, ko organi, pristojni za zadeve, ki jih obravnava ta naslov, niso organi, pristojni za nadzor kreditnih institucij.
The tasks of the competent authorities designated under paragraph 1 shall be the responsibility of the competent authorities of the home Member State.
Pristojni organi matične države članice so odgovorni za naloge pristojnih organov, imenovanih na podlagi odstavka 1.
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 listed in the Annex and the activities listed in Article 16(1)(a).
Odstavek 1 ne pomeni, da morajo pristojni organi nadzorovati druge poslovne dejavnosti plačilnih institucij kot plačilne storitve, določene v Prilogi, in dejavnosti, naštete v členu 16(1)(a).
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.
Države članice zagotovijo, da je nadzor, ki ga izvajajo pristojni organi za preverjanje neprekinjene skladnosti s tem naslovom, sorazmeren, primeren in odziven na tveganja, katerim so izpostavljene plačilne institucije.
In order to check compliance with this Title, the competent authorities shall be entitled to take the following steps, in particular:
Za preverjanje skladnosti s tem naslovom imajo pristojni organi pravico sprejeti zlasti naslednje ukrepe:
to require the payment institution to provide any information needed to monitor compliance;
zahtevati, da plačilna institucija predloži kakršne koli podatke, ki so potrebni za spremljanje skladnosti;
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;
opravljati inšpekcijske preglede na kraju samem v plačilnih institucijah, pri vseh zastopnikih ali podružnicah, ki opravljajo plačilne storitve na odgovornost plačilne institucije ali pri vseh zunanjih izvajalcih plačilnih storitev;
to issue recommendations, guidelines and, if applicable, binding administrative provisions; and
izdajati priporočila, smernice ter, če je ustrezno, zavezujoče upravne ukrepe; in
to suspend or withdraw authorisation in cases referred to in Article 12.
začasno preklicati ali odvzeti dovoljenje v primerih iz člena 12.
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.
Brez poseganja v postopke za odvzem dovoljenj in v določbe kazenskega prava države članice predpišejo, da lahko njihovi pristojni organi v zvezi s plačilnimi institucijami ali tistimi, ki dejansko obvladujejo poslovanje plačilnih institucij, ki kršijo zakone in druge predpise o nadzoru ali opravljanju njihovih dejavnosti plačilnih storitev, sprejmejo ali jim naložijo kazni ali ukrepe s specifičnim ciljem odpraviti ugotovljene kršitve ali vzroke zanje.