natgillin/translations-raw huggingface dataset:
The Member States may waive or allow their competent authorities to waive the application of all or part of the obligations pursuant to this paragraph in respect of electronic money institutions that carry out one or more of the activities listed in Article 6(1)(e).
Države članice lahko opustijo, ali dovolijo svojim pristojnim organom, da opustijo, uporabo dela ali celotnih obveznosti v skladu s tem odstavkom za institucije za izdajo elektronskega denarja, ki izvajajo eno ali več dejavnosti, navedenih v točki (e) člena 6(1).
Member States shall allow electronic money institutions to distribute and redeem electronic money through natural or legal persons which act on their behalf.
Države članice dovolijo institucijam za izdajo elektronskega denarja, da distribuirajo in unovčujejo elektronski denar prek fizičnih ali pravnih oseb, ki nastopajo v njihovem imenu.
Where the electronic money institution wishes to distribute electronic money in another Member State by engaging such a natural or legal person, it shall follow the procedure set out in Article 25 of Directive 2007/64/EC.
Če institucija za izdajo elektronskega denarja želi distribuirati elektronski denar v drugi državi članici s sodelovanjem takšnih fizičnih ali pravnih oseb, mora uporabljati postopke iz člena 25 Direktive 2007/64/ES.
Notwithstanding paragraph 4, electronic money institutions shall not issue electronic money through agents.
Ne glede na odstavek 4, institucije za izdajo elektronskega denarja ne izdajajo elektronskega denarja prek agentov.
Electronic money institutions shall be allowed to provide payment services referred to in Article 6(1)(a) through agents only if the conditions in Article 17 of Directive 2007/64/EC are met.
Institucije za izdajo elektronskega denarja lahko opravljajo plačilne storitve, kot je navedeno v točki (a) člena 6(1), prek agentov samo, če so izpolnjeni pogoji iz člena 17 Direktive 2007/64/ES.
Member States shall require electronic money institutions to hold, at the time of authorisation, initial capital, comprised of the items set out in Article 57(a) and (b) of Directive 2006/48/EC, of not less than EUR 350000.
Države članice od institucij za izdajo elektronskega denarja zahtevajo, da njihov ustanovni kapital, ki je sestavljen iz postavk, določenih v točkah (a) in (b) člena 57 Direktive 2006/48/ES, v času izdaje dovoljenja znaša vsaj 350000 EUR.
The electronic money institution’s own funds, as set out in Articles 57 to 61, 63, 64 and 66 of Directive 2006/48/EC shall not fall below the amount required under paragraphs 2 to 5 of this Article or under Article 4 of this Directive, whichever the higher.
Lastna sredstva institucij za izdajo elektronskega denarja, kakor so opredeljena v členih 57 do 61, 63, 64 in 66 Direktive 2006/48/ES, ne smejo biti nižja od višjega izmed zneskov, ki se zahtevajo v skladu z odstavki od 2 do 5 tega člena ali členom 4 te direktive.
In regard to the activities referred to in Article 6(1)(a) that are not linked to the issuance of electronic money, the own funds requirements of an electronic money institution shall be calculated in accordance with one of the three methods (A, B or C) set out in Article 8(1) and (2) of Directive 2007/64/EC.
Za dejavnosti iz točke (a) člena 6(1), ki niso povezane z izdajo elektronskega denarja, se zahteve po lastnih sredstvih institucije za izdajo elektronskega denarja izračunajo v skladu z eno od treh metod (A, B ali C), določenih v členu 8(1) in (2) Direktive 2007/64/ES.
The appropriate method shall be determined by the competent authorities in accordance with national legislation.
Ustrezno metodo določijo pristojni organi v skladu z nacionalno zakonodajo.
In regard to the activity of issuing electronic money, the own funds requirements of an electronic money institution shall be calculated in accordance with Method D as set out in paragraph 3.
Za dejavnost izdajanja elektronskega denarja se zahteve po lastnih sredstvih institucije za izdajo elektronskega denarja izračunajo v skladu z metodo D iz odstavka 3.
Electronic money institutions shall at all times hold own funds that are at least equal to the sum of the requirements referred to in the first and second subparagraphs.
Institucije za izdajo elektronskega denarja imajo v vsakem trenutku lastna sredstva, ki so najmanj enaka znesku iz zahtev iz prvega in drugega pododstavka.
Method D: The own funds of an electronic money institution for the activity of issuing electronic money shall amount to at least 2 % of the average outstanding electronic money.
Metoda D: lastna sredstva institucij za izdajo elektronskega denarja za dejavnost izdajanja elektronskega denarja morajo znašati najmanj 2 % povprečnega zneska elektronskega denarja v obtoku.
Where an electronic money institution carries out any of the activities referred to in Article 6(1)(a) that are not linked to the issuance of electronic money or any of the activities referred to in Article 6(1)(b) to (e) and the amount of outstanding electronic money is unknown in advance, the competent authorities shall allow that electronic money institution to calculate its own funds requirements on the basis of a representative portion assumed to be used for the issuance of electronic money, provided such a representative portion can be reasonably estimated on the basis of historical data and to the satisfaction of the competent authorities.
Če institucija za izdajo elektronskega denarja opravlja katero koli od dejavnosti iz točke (a) člena 6(1), ki ni povezana z izdajo elektronskega denarja, ali katero koli od dejavnosti iz točk (b) do (e) člena 6(1) in znesek elektronskega denarja v obtoku ni znan vnaprej, pristojni organi omogočijo tej instituciji za izdajo elektronskega denarja, da izračuna zahteve po lastnih sredstvih na podlagi reprezentativnega dela, predvidenega za izdajo elektronskega denarja, če je mogoče takšen reprezentativni del razumno oceniti na podlagi preteklih podatkov in v zadostitev pristojnih organov.
Where an electronic money institution has not completed a sufficient period of business, its own funds requirements shall be calculated on the basis of projected outstanding electronic money evidenced by its business plan subject to any adjustment to that plan having been required by the competent authorities.
Kjer institucija za izdajo elektronskega denarja ni zaključila zadosti dolgega obdobja poslovne dejavnosti, se zahteve po lastnih sredstvih izračunajo na podlagi predvidenega zneska elektronskega denarja v obtoku, ki je potrjen s poslovnim načrtom institucije, ob upoštevanju kakršnih koli prilagoditev tega načrta, ki jih zahtevajo pristojni organi.
On the basis of an evaluation of the risk-management processes, of the risk loss databases and internal control mechanisms of the electronic money institution, the competent authorities may require the electronic money institution to hold an amount of own funds which is up to 20 % higher than the amount which would result from the application of the relevant method in accordance with paragraph 2, or permit the electronic money institution to hold an amount of own funds which is up to 20 % lower than the amount which would result from the application of the relevant method in accordance with paragraph 2.
Na podlagi ocene procesov obvladovanja tveganj, podatkovnih zbirk o tveganju izgub in mehanizmov notranjega nadzora institucije za izdajo elektronskega denarja lahko pristojni organi od institucije za izdajo elektronskega denarja zahtevajo, da ima na voljo znesek lastnih sredstev, ki je do 20 % večji od zneska, izračunanega na podlagi ustrezne metode v skladu z odstavkom 2, ali dovolijo instituciji za izdajo elektronskega denarja, da ima na voljo znesek lastnih sredstev, ki je do 20 % manjši od zneska, izračunanega na podlagi ustrezne metode v skladu z odstavkom 2.
Member States shall take the necessary measures to prevent the multiple use of elements eligible for own funds:
Države članice sprejmejo potrebne ukrepe za preprečevanje večkratne uporabe elementov, ki so sprejemljivi kot lastna sredstva:
where the electronic money institution belongs to the same group as another electronic money institution, a credit institution, a payment institution, an investment firm, an asset management company or an insurance or reinsurance undertaking;
če institucija za izdajo elektronskega denarja sodi v isto skupino kot druga institucija za izdajo elektronskega denarja, kreditna institucija, plačilna institucija, investicijska družba, družba za upravljanje s premoženjem ali zavarovalnica ali pozavarovalnica;
where an electronic money institution carries out activities other than the issuance of electronic money.
če institucija za izdajo elektronskega denarja poleg izdajanja elektronskega denarja opravlja tudi druge dejavnosti.
Where the conditions laid down in Article 69 of Directive 2006/48/EC are met, Member States or their competent authorities may choose not to apply paragraphs 2 and 3 of this Article to electronic money institutions which are included in the consolidated supervision of the parent credit institutions pursuant to Directive 2006/48/EC.
Če so izpolnjeni pogoji iz člena 69 Direktive 2006/48/ES, državam članicam ali njihovim pristojnim organom ni treba uporabljati odstavkov 2 in 3 tega člena za institucije za izdajo elektronskega denarja, ki so v skladu z Direktivo 2006/48/ES zajete v konsolidirani nadzor matične kreditne institucije.
In addition to issuing electronic money, electronic money institutions shall be entitled to engage in any of the following activities:
Poleg izdajanja elektronskega denarja lahko institucije za izdajo elektronskega denarja opravljajo tudi katero koli izmed naslednjih dejavnosti:
the provision of payment services listed in the Annex to Directive 2007/64/EC;
opravljanje plačilnih storitev, navedenih v Prilogi k Direktivi 2007/64/ES;
the granting of credit related to payment services referred to in points 4, 5 or 7 of the Annex to Directive 2007/64/EC, where the conditions laid down in Article 16(3) and (5) of that Directive are met;
odobritev posojil v zvezi s plačilnimi storitvami iz točk 4, 5 ali 7 Priloge k Direktivi 2007/64/ES, če so izpolnjeni pogoji, določeni v členu 16(3) in (5) navedene direktive;
the provision of operational services and closely related ancillary services in respect of the issuing of electronic money or to the provision of payment services referred to in point (a);
opravljanje operativnih storitev in tesno povezanih pomožnih storitev v zvezi z izdajanjem elektronskega denarja ali opravljanjem plačilnih storitev v skladu s točko (a);
the operation of payment systems as defined in point 6 of Article 4 of Directive 2007/64/EC and without prejudice to Article 28 of that Directive;
upravljanje plačilnih sistemov, kot je določeno v točki 6 člena 4 Direktive 2007/64/ES in brez poseganja v člen 28 navedene direktive;
business activities other than issuance of electronic money, having regard to the applicable Community and national law.
poslovne dejavnosti, ki niso izdajanje elektronskega denarja, ob upoštevanju veljavne zakonodaje Skupnosti in nacionalne zakonodaje.
Credit referred to in point (b) of the first subparagraph shall not be granted from the funds received in exchange of electronic money and held in accordance with Article 7(1).
Posojila iz točke (b) prvega pododstavka se ne odobrijo iz sredstev, prejetih v zameno za elektronski denar in hranjenih v skladu s členom 7(1).
Electronic money institutions shall not take deposits or other repayable funds from the public within the meaning of Article 5 of Directive 2006/48/EC.
Institucije za izdajo elektronskega denarja od javnosti ne sprejemajo depozitov ali drugih vračljivih sredstev v smislu člena 5 Direktive 2006/48/ES.
Any funds received by electronic money institutions from the electronic money holder shall be exchanged for electronic money without delay.
Sredstva, ki jih institucije za izdajo elektronskega denarja prejmejo od imetnika elektronskega denarja, se nemudoma zamenjajo za elektronski denar.
Such funds shall not constitute either a deposit or other repayable funds received from the public within the meaning of Article 5 of Directive 2006/48/EC.
Takšna sredstva niso niti depoziti niti druga vračljiva sredstva, sprejeta od javnosti v smislu člena 5 Direktive 2006/48/ES.
Article 16(2) and (4) of Directive 2007/64/EC shall apply to funds received for the activities referred to in paragraph 1(a) of this Article that are not linked to the activity of issuing electronic money.
Člen 16(2) in (4) Direktive 2007/64/ES se uporablja za sredstva, ki so bila prejeta za dejavnosti, določene v točki (a) odstavka 1 tega člena, ki niso povezane z dejavnostjo izdajanja elektronskega denarja.
Safeguarding requirements
Zahteve glede zaščitnih ukrepov
Member States shall require an electronic money institution to safeguard funds that have been received in exchange for electronic money that has been issued, in accordance with Article 9(1) and (2) of Directive 2007/64/EC.
Države članice zahtevajo, da institucija za izdajo elektronskega denarja zaščiti sredstva, ki jih je prejela v zameno za izdan elektronski denar, v skladu s členom 9(1) in (2) Direktive 2007/64/ES.
Funds received in the form of payment by payment instrument need not be safeguarded until they are credited to the electronic money institution’s payment account or are otherwise made available to the electronic money institution in accordance with the execution time requirements laid down in the Directive 2007/64/EC, where applicable.
Sredstev, ki se prejmejo v obliki plačila z uporabo plačilnega instrumenta, ni treba zaščititi dokler se ne vknjižijo v dobro na plačilni račun institucije za izdajo elektronskega denarja oziroma drugače dajo na razpolago instituciji za izdajo elektronskega denarja v skladu z zahtevami glede roka izvršitve, določenimi v Direktivi 2007/64/ES, kjer je to primerno.
In any event, such funds shall be safeguarded by no later than five business days, as defined in point 27 of Article 4 of that Directive, after the issuance of electronic money.
V vsakem primeru je treba takšna sredstva zaščititi najkasneje pet delovnih dni, kakor so opredeljeni v točki 27 člena 4 navedene direktive, po izdaji elektronskega denarja.
For the purposes of paragraph 1, secure, low-risk assets are asset items falling into one of the categories set out in Table 1 of point 14 of Annex I to Directive 2006/49/EC of the European Parliament and of the Council of 14 June 2006 on the capital adequacy of investment firms and credit institutions [10] for which the specific risk capital charge is no higher than 1,6 %, but excluding other qualifying items as defined in point 15 of that Annex.For the purposes of paragraph 1, secure, low-risk assets are also units in an undertaking for collective investment in transferable securities (UCITS) which invests solely in assets as specified in the first subparagraph.
Za namene odstavka 1 so varna sredstva z nizkim tveganjem tista sredstva, ki spadajo v eno izmed kategorij iz tabele 1 iz točke 14 Priloge I k Direktivi 2006/49/ES Evropskega parlamenta in Sveta z dne 14. junija 2006 o kapitalski ustreznosti investicijskih podjetij in kreditnih institucij [10], za katere utež za izračun kapitalske zahteve za posebno tveganje ni višja od 1,6 %, izključijo pa se druge postavke kvalificiranih izdajateljev, kakor je opredeljeno v točki 15 navedene priloge.Za namene odstavka 1 so varna sredstva z nizkim tveganjem tudi enote kolektivnih naložbenih podjemov za vlaganja v prenosljive vrednostne papirje (KNPVP), ki vlagajo izključno v sredstva, kakor so opredeljena v prvem pododstavku.
In exceptional circumstances and with adequate justification, the competent authorities may, based on an evaluation of security, maturity, value or other risk element of the assets as specified in the first and second subparagraphs, determine which of those assets do not constitute secure, low-risk assets for the purposes of paragraph 1.
Pristojni organi lahko v izrednih okoliščinah in s primerno obrazložitvijo, na podlagi ocene varnosti, zapadlosti, vrednosti in drugih dejavnikov tveganja sredstev, kakor so opredeljena v prvem in drugem pododstavku, določijo, katera od teh sredstev niso varna sredstva z nizkim tveganjem za namene odstavka 1.
Article 9 of Directive 2007/64/EC shall apply to electronic money institutions for the activities referred to in Article 6(1)(a) of this Directive that are not linked to the activity of issuing electronic money.
Člen 9 Direktive 2007/64/ES se uporablja za institucije za izdajo elektronskega denarja za dejavnosti, določene v točki (a) člena 6(1) te direktive, ki niso povezane z dejavnostjo izdajanja elektronskega denarja.
For the purposes of paragraphs 1 and 3, Member States or their competent authorities may determine, in accordance with national legislation, which method shall be used by the electronic money institutions to safeguard funds.
Za namene odstavkov 1 in 3 države članice oziroma njihovi pristojni organi lahko v skladu z nacionalno zakonodajo določijo, katero metodo za zaščito sredstev bodo uporabljale institucije za izdajo elektronskega denarja.
Member States shall not apply to a branch of an electronic money institution having its head office outside the Community, when taking up or pursuing its business, provisions which result in more favourable treatment than that accorded to an electronic money institution having its head office within the Community.
Ko podružnice institucij za izdajo elektronskega denarja s sedeži zunaj Skupnosti začenjajo ali nadaljujejo z opravljanjem dejavnosti, države članice zanje ne uporabljajo določb, ki tem institucijam omogočajo ugodnejše obravnavanje kot institucijam za izdajo elektronskega denarja s sedeži v Skupnosti.
The competent authorities shall notify the Commission of all authorisations for branches of electronic money institutions having their head office outside the Community.
Pristojni organi Komisijo uradno obvestijo o vseh dovoljenjih, izdanih podružnicam institucij za izdajo elektronskega denarja s sedeži zunaj Skupnosti.
Without prejudice to paragraph 1, the Community may, through agreements concluded with one or more third countries, agree to apply provisions that ensure that branches of an electronic money institution having its head office outside the Community are treated identically throughout the Community.
Brez poseganja v odstavek 1 se lahko Skupnost s sporazumi, sklenjenimi z eno ali več tretjimi državami, dogovori, da uporablja določbe, v skladu s katerimi bodo podružnice institucij za izdajo elektronskega denarja s sedeži zunaj Skupnosti deležne enake obravnave v celotni Skupnosti.
Optional exemptions
Možnosti izvzetja
Member States may waive or allow their competent authorities to waive the application of all or part of the procedures and conditions set out in Articles 3, 4, 5 and 7 of this Directive, with the exception of Articles 20, 22, 23 and 24 of Directive 2007/64/EC, and allow legal persons to be entered in the register for electronic money institutions if both of the following requirements are complied with:
Države članice lahko opustijo ali dovolijo svojim pristojnim organom, da opustijo uporabo dela postopka ali celotnega postopka in pogojev, določenih v členih 3, 4, 5 in 7 te direktive, z izjemo členov 20, 22, 23 in 24 Direktive 2007/64/ES, ter dovolijo pravnim osebam vpis v register institucij za izdajo elektronskega denarja, če izpolnjujejo obe naslednji zahtevi:
the total business activities generate an average outstanding electronic money that does not exceed a limit set by the Member State but that, in any event, amounts to no more than EUR 5000000; and
vse poslovne dejavnosti ustvarjajo povprečni znesek elektronskega denarja v obtoku, ki ne presega meje, ki so jo postavile države članice, in ki v nobenem primeru ni višji od 5000000 EUR; in
none of the natural persons responsible for the management or operation of the business has been convicted of offences relating to money laundering or terrorist financing or other financial crimes.
nobena od fizičnih oseb, ki so odgovorne za upravljanje ali izvajanje dejavnosti, ni bila obsojena zaradi kaznivih dejanj pranja denarja ali financiranja terorizma ali drugega finančnega kaznivega dejanja.
Where an electronic money institution carries out any of the activities referred to in Article 6(1)(a) that are not linked to the issuance of electronic money or any of the activities referred to in Article 6(1)(b) to (e) and the amount of outstanding electronic money is unknown in advance, the competent authorities shall allow that electronic money institution to apply point (a) of the first subparagraph on the basis of a representative portion assumed to be used for the issuance of electronic money, provided that such a representative portion can be reasonably estimated on the basis of historical data and to the satisfaction of the competent authorities.
Če institucije za izdajo elektronskega denarja opravljajo katero koli od dejavnosti iz točke (a) člena 6(1), ki ni povezana z izdajo elektronskega denarja ali katero koli od dejavnosti iz točk (b) do (e) člena 6(1) in znesek elektronskega denarja v obtoku ni znan vnaprej, pristojni organi navedenim institucijam za izdajo elektronskega denarja omogočijo uporabo točke (a) prvega pododstavka na podlagi reprezentativnega dela, predvidenega za izdajo elektronskega denarja, če je mogoče takšen reprezentativni del razumno oceniti na podlagi preteklih podatkov in v zadostitev pristojnih organov.
Where an electronic money institution has not completed a sufficiently long period of business, that requirement shall be assessed on the basis of projected outstanding electronic money evidenced by its business plan subject to any adjustment to that plan having been required by the competent authorities.
Kjer institucija za izdajo elektronskega denarja ni zaključila zadosti dolgega obdobja poslovne dejavnosti, se ta zahteva oceni na podlagi predvidenega zneska elektronskega denarja v obtoku, ki je potrjen s poslovnim načrtom, ob upoštevanju kakršnih koli prilagoditev tega načrta, ki jih zahtevajo pristojni organi.
Member States may also provide for the granting of the optional exemptions under this Article to be subject to an additional requirement of a maximum storage amount on the payment instrument or payment account of the consumer where the electronic money is stored.
Države članice lahko določijo, da se odobritev možnosti izvzetja v okviru tega člena pogojuje z dodatno zahtevo glede maksimalnega shranjenega zneska na plačilnem instrumentu ali plačilnem računu potrošnika, kjer je shranjen elektronski denar.
A legal person registered in accordance with this paragraph may provide payment services not related to electronic money issued in accordance with this Article only if conditions set out in Article 26 of Directive 2007/64/EC are met.
Pravna oseba, ki je registrirana v skladu s tem odstavkom, lahko opravlja plačilne storitve, ki niso povezane z elektronskim denarjem, izdanim v skladu s tem členom, vendar samo, če so izpolnjeni pogoji iz člena 26 Direktive 2007/64/ES.
A legal person registered in accordance with paragraph 1 shall be required to have its head office in the Member State in which it actually pursues its business.
Pravna oseba, registrirana v skladu z odstavkom 1, mora imeti sedež v državi članici, v kateri dejansko opravlja dejavnost.
A legal person registered in accordance with paragraph 1 shall be treated as an electronic money institution.
Pravna oseba, ki je registrirana v skladu z odstavkom 1, se obravnava kot institucija za izdajo elektronskega denarja.
However, Article 10(9) and Article 25 of Directive 2007/64/EC shall not apply to it.
Vendar pa se člen 10(9) in člen 25 Direktive 2007/64/ES zanjo ne uporabljata.
Member States may provide for a legal person registered in accordance with paragraph 1 to engage only in some of the activities listed in Article 6(1).
Države članice lahko določijo tudi, da se lahko pravna oseba, registrirana v skladu z odstavkom 1, ukvarja samo z nekaterimi dejavnostmi iz člena 6(1).
A legal person referred to in paragraph 1 shall:
Pravna oseba iz odstavka 1:
notify the competent authorities of any change in its situation which is relevant to the conditions specified in paragraph 1; and
obvesti pristojne organe o vsaki spremembi svojega položaja, ki zadeva pogoje iz odstavka 1, in