natgillin/translations-raw huggingface dataset:
EBA shall develop, operate and maintain an electronic, central register that contains the information as notified by the competent authorities in accordance with paragraph 2.
EBA pripravi osnutke izvedbenih tehničnih standardov o podrobnostih in strukturi informacij, ki se uradno sporočajo na podlagi odstavka 1, vključno z enotno obliko in načinom, na katerega se zagotavljajo te informacije.
EBA shall be responsible for the accurate presentation of that information.
EBA navedene osnutke izvedbenih tehničnih standardov predloži Komisiji do 13. julija 2017.
EBA shall make the register publicly available on its website, and shall allow for easy access to and easy search for the information listed, free of charge.
Na Komisijo se prenese pooblastilo za sprejetje izvedbenih tehničnih standardov iz prvega pododstavka v skladu s členom 15 Uredbe (EU) št. 1093/2010.
Competent authorities shall, without delay, notify EBA of the information entered in their public registers as referred to in Article 14 in a language customary in the field of finance.
Člen 16
Competent authorities shall be responsible for the accuracy of the information specified in paragraph 2 and for keeping that information up-to-date.
Ohranjanje dovoljenja
EBA shall develop draft regulatory technical standards setting technical requirements on development, operation and maintenance of the electronic central register and on access to the information contained therein.
Kadar na točnost podatkov in dokazil, predloženih v skladu s členom 5, vpliva kakršna koli sprememba, plačilna institucija o tem nemudoma obvesti pristojne organe svoje matične države članice.
The technical requirements shall ensure that modification of the information is only possible by the competent authority and EBA.
Člen 17
EBA shall submit those draft regulatory technical standards to the Commission by 13 January 2018.
Računovodstvo in obvezna revizija
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.
Za plačilne institucije se smiselno uporabljajo direktivi 86/635/EGS in 2013/34/EU ter Uredba (ES) št. 1606/2002 Evropskega parlamenta in Sveta [35].
EBA shall submit those draft implementing technical standards to the Commission by 13 July 2017.
Zakoniti revizorji ali revizijska podjetja v smislu Direktive 2006/43/ES revidirajo letne računovodske izkaze in konsolidirane računovodske izkaze plačilnih institucij, razen če so izvzete iz obveznosti revizije v skladu z Direktivo 2013/34/EU ter, če je primerno, Direktivo 86/635/EGS.
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.
Države članice zaradi nadzora od plačilnih institucij zahtevajo, da predložijo ločene računovodske informacije o plačilnih storitvah in dejavnostih iz člena 18(1), ki so predmet revizorjevega poročila.
Article 16
Če je primerno, navedeno poročilo pripravijo zakoniti revizorji ali revizijsko podjetje.
Maintenance of authorisation
Pri dejavnostih plačilnih storitev se za zakonite revizorje ali revizijska podjetja plačilnih institucij smiselno uporabljajo obveznosti, določene v členu 63 Direktive 2013/36/EU.
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.
Člen 18
Article 17
Dejavnosti
Accounting and statutory audit
Poleg opravljanja plačilnih storitev imajo plačilne institucije pravico do opravljanja naslednjih dejavnosti:
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.
opravljanja operativnih in z njimi tesno povezanih pomožnih storitev, kot so zagotavljanje izvršitve plačilnih transakcij, storitve menjave valut, dejavnosti varovanja ter shranjevanje in obdelava podatkov;
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.
upravljanja plačilnih sistemov, brez poseganja v člen 35;
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.
poslovnih dejavnosti, ki niso plačilne storitve, ob upoštevanju veljavnega prava Unije in nacionalnega prava.
That report shall be prepared, where applicable, by the statutory auditors or an audit firm.
Kadar plačilne institucije opravljajo eno ali več plačilnih storitev, lahko vodijo samo plačilne račune, ki se uporabljajo izključno za plačilne transakcije.
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.
Denarna sredstva, ki jih plačilne institucije prejmejo od uporabnikov plačilnih storitev zaradi opravljanja plačilnih storitev, ne predstavljajo vlog ali drugih vračljivih sredstev v smislu člena 9 Direktive 2013/36/EU ali elektronskega denarja, kakor je opredeljen v točki 2 člena 2 Direktive 2009/110/ES.
Article 18
Plačilne institucije lahko odobrijo posojilo, ki se nanaša na plačilne storitve iz točke (4) ali (5) Priloge I, le če so izpolnjeni vsi naslednji pogoji:
Activities
posojilo je pomožno in se odobri izključno v povezavi z izvršitvijo plačilne transakcije;
Apart from the provision of payment services, payment institutions shall be entitled to engage in the following activities:
ne glede na nacionalne predpise o dajanju posojil prek kreditnih kartic se posojilo, odobreno v povezavi s plačilom in izvršeno v skladu s členom 11(9) in členom 28, odplača v kratkem roku, ki v nobenem primeru ne presega 12 mesecev;
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;
takšno posojilo se ne odobri iz sredstev, ki so prejeta ali se hranijo z namenom izvršitve plačilne transakcije;
the operation of payment systems, without prejudice to Article 35;
kapital plačilne institucije je za nadzorne organe vedno zadosten glede na skupni znesek odobrenega posojila.
business activities other than the provision of payment services, having regard to applicable Union and national law.
Plačilne institucije ne opravljajo poslov sprejemanja vlog ali drugih vračljivih sredstev v smislu člena 9 Direktive 2013/36/EU.
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.
Ta direktiva ne posega v Direktivo 2008/48/ES, drugo ustrezno pravo Unije ali nacionalne ukrepe o pogojih za odobritev posojil potrošnikom, ki s to direktivo niso harmonizirani, a so skladni s pravom Unije.
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.
Oddelek 2
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:
Druge zahteve
the credit shall be ancillary and granted exclusively in connection with the execution of a payment transaction;
Člen 19
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;
Uporaba zastopnikov, podružnic ali zunanjih izvajalcev
such credit shall not be granted from the funds received or held for the purpose of executing a payment transaction;
Kadar namerava plačilna institucija opravljati plačilne storitve prek zastopnika, pristojnim organom v matični državi članici sporoči naslednje informacije:
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.
ime in naslov zastopnika;
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.
opis mehanizmov notranje kontrole, ki jih bo uporabljal zastopnik zaradi izpolnjevanja obveznosti v zvezi s pranjem denarja in financiranjem terorizma v skladu z Direktivo (EU) 2015/849, ki se posodablja ob vsaki bistveni spremembi podatkov, ki se sporočijo v prvem uradnem obvestilu;
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.
identiteto direktorjev in oseb, odgovornih za vodenje poslovanja zastopnika, ki se uporablja za opravljanje plačilnih storitev, in dokazila, da so zastopniki, ki niso ponudniki plačilnih storitev, sposobne in primerne osebe;
Section 2
plačilne storitve plačilnih institucij, za katero bo deloval zastopnik, in
Other requirements
edinstveno identifikacijsko kodo ali številko zastopnika, kadar je to primerno.
Article 19
V dveh mesecih po prejemu informacij iz odstavka 1 pristojni organ matične države članice plačilni instituciji sporoči, ali je bil zastopnik vpisan v register iz člena 14.
Use of agents, branches or entities to which activities are outsourced
Zastopnik lahko začne opravljati plačilne storitve po vpisu v register.
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:
Če pristojni organi dvomijo v pravilnost predloženih informacij, pred vpisom zastopnika v register sprejmejo dodatne ukrepe, s katerimi te informacije preverijo.
the name and address of the agent;
Če pristojni organi tudi po ukrepih preverjanja informacij, ki so jim bile predložene v skladu z odstavkom 1, niso prepričani, da so informacije pravilne, zavrnejo vpis zastopnika v register iz člena 14 in o tem nemudoma obvestijo plačilno institucijo.
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;
Če želi plačilna institucija opravljati plačilne storitve v drugi državi članici prek zastopnika ali z ustanovitvijo podružnice, upošteva postopke iz člena 28.
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;
Kadar namerava plačilna institucija za izvajanje operativnih nalog, povezanih z opravljanjem plačilnih storitev, uporabiti zunanje izvajalce, o tem obvesti pristojne organe svoje matične države članice.
the payment services of the payment institution for which the agent is mandated; and
Način uporabe zunanjih izvajalcev za izvajanje pomembnih operativnih nalog, vključno s sistemi IT, ne sme bistveno škodovati kakovosti notranje kontrole plačilne institucije in zmožnosti pristojnih organov, da nadzirajo in sledijo temu, kako plačilna institucija izpolnjuje svoje obveznosti iz te direktive.
where applicable, the unique identification code or number of the agent.
Za namene drugega pododstavka se šteje, da je operativna naloga pomembna, če bi napaka pri njenem izvajanju ali njeno neizvajanje bistveno ogrozila neprekinjeno izpolnjevanje obveznosti v skladu z izdanim dovoljenjem, za katero je plačilna institucija zaprosila na podlagi tega naslova, ali drugih obveznosti plačilne institucije iz te direktive, njen finančni položaj oziroma zanesljivo ali neprekinjeno opravljanje plačilnih storitev.
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.
Države članice zagotovijo, da plačilne institucije, ki za izvajanje pomembnih operativnih nalog uporabljajo zunanje izvajalce, izpolnjujejo naslednje pogoje:
Upon entry in the register, the agent may commence providing payment services.
prenos izvajanja teh nalog na zunanjega izvajalca ne povzroči prenosa odgovornosti višjega vodstva na zunanjega izvajalca;
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.
razmerje in obveznosti plačilne institucije do uporabnikov njenih plačilnih storitev v skladu s to direktivo se ne spremenijo;
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.
pogoji, ki jih mora izpolnjevati plačilna institucija za pridobitev in ohranitev dovoljenja v skladu s tem naslovom, niso ogroženi;
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.
nobeden od drugih pogojev, ki jih mora plačilna institucija izpolniti za pridobitev dovoljenja, ni odpravljen ali spremenjen.
Where a payment institution intends to outsource operational functions of payment services, it shall inform the competent authorities of its home Member State accordingly.
Plačilne institucije zagotovijo, da zastopniki ali podružnice, ki delujejo v njihovem imenu, o tem obvestijo uporabnike plačilnih storitev.
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.
Plačilne institucije nemudoma obvestijo pristojne organe svoje matične države članice o vseh spremembah glede uporabe zunanjih izvajalcev njihovih dejavnosti in v skladu s postopkom iz odstavkov 2, 3 in 4 zastopnikov, vključno z dodatnimi zastopniki.
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.
Člen 20
Member States shall ensure that when payment institutions outsource important operational functions, the payment institutions meet the following conditions:
Odgovornost
the outsourcing shall not result in the delegation by senior management of its responsibility;
Države članice zagotovijo, da plačilne institucije, ki za opravljanje operativnih nalog uporabljajo tretje osebe, sprejmejo razumne ukrepe, s katerimi zagotovijo izpolnjevanje zahtev iz te direktive.
the relationship and obligations of the payment institution towards its payment service users under this Directive shall not be altered;
Države članice od plačilnih institucij zahtevajo, da ostanejo v celoti odgovorne za vsa dejanja svojih zaposlenih ter vseh zastopnikov, podružnic ali zunanjih izvajalcev.
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;
Člen 21
none of the other conditions subject to which the payment institution’s authorisation was granted shall be removed or modified.
Vodenje evidenc
Payment institutions shall ensure that agents or branches acting on their behalf inform payment service users of this fact.
Države članice od plačilnih institucij zahtevajo, da za namene tega naslova vsaj pet let vodijo vse ustrezne evidence, brez poseganja v Direktivo (EU) 2015/849 ali drugo zadevno pravo Unije.
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.
Oddelek 3
Article 20
Pristojni organi in nadzor
Liability
Člen 22
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.
Imenovanje pristojnih organov
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 za pristojne organe, odgovorne za izdajo dovoljenj in bonitetni nadzor plačilnih institucij, ki bodo opravljale naloge v skladu s tem naslovom, imenujejo javne organe ali organe, ki jih priznajo nacionalno pravo ali javni organi, ki so v skladu z nacionalnim pravom izrecno pooblaščeni za to, vključno z nacionalnimi centralnimi bankami.
Article 21
Pristojni organi zagotovijo neodvisnost od gospodarskih subjektov in se izogibajo navzkrižju interesov.
Record-keeping
Brez poseganja v prvi pododstavek plačilne institucije, kreditne institucije, institucije za izdajo elektronskega denarja ali poštne institucije za opravljanje storitev brezgotovinskega nakazovanja niso imenovane za pristojne organe.
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.
Države članice o imenovanju ustrezno obvestijo Komisijo.
Section 3
Države članice zagotovijo, da imajo pristojni organi, imenovani na podlagi odstavka 1, vsa potrebna pooblastila za opravljanje svojih nalog.
Competent authorities and supervision
Države članice, na ozemlju katerih je za zadeve, na katere se nanaša ta naslov, pristojen več kot en organ, zagotovijo, da navedeni organi tesno sodelujejo, da lahko učinkovito opravljajo svoje naloge.
Article 22
Enako velja za primere, ko organi, pristojni za zadeve, na katere se nanaša ta naslov, niso organi, pristojni za nadzor kreditnih institucij.
Designation of competent authorities
Pristojni organi matične države članice so odgovorni za naloge pristojnih organov, imenovanih na podlagi odstavka 1.
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.
Odstavek 1 ne pomeni, da morajo pristojni organi poleg nadzorovanja opravljanja plačilnih storitev in dejavnosti iz točke (a) člena 18(1) nadzorovati tudi druge poslovne dejavnosti plačilnih institucij.
The competent authorities shall guarantee independence from economic bodies and avoid conflicts of interest.
Člen 23
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.
Nadzor
The Member States shall inform the Commission accordingly.
Države članice zagotovijo, da je nadzor, ki ga pristojni organi izvajajo zaradi preverjanja stalnega upoštevanja tega naslova, sorazmeren, primeren in prilagojen tveganjem, ki so jim izpostavljene plačilne institucije.
Member States shall ensure that the competent authorities designated under paragraph 1 possess all powers necessary for the performance of their duties.
Za preverjanje upoštevanja tega naslova lahko pristojni organi sprejmejo zlasti naslednje ukrepe:
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.
zahtevajo, da plačilna institucija predloži vse informacije, ki so potrebne za spremljanje skladnosti, v katerih po potrebi navedejo namen zahteve in rok, do katerega je treba zagotoviti informacije;
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.
opravljajo preglede poslovanja na kraju samem v plačilnih institucijah, pri vseh zastopnikih ali podružnicah, ki opravljajo plačilne storitve, za katere so odgovorne plačilne institucije, ali pri vseh zunanjih izvajalcih plačilnih storitev;
The tasks of the competent authorities designated under paragraph 1 shall be the responsibility of the competent authorities of the home Member State.
izdajajo priporočila, smernice ter, če je primerno, zavezujoče upravne ukrepe;
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).
začasno prekličejo ali odvzamejo dovoljenje na podlagi člena 13.
Article 23
Brez poseganja v postopke za odvzem dovoljenj in v določbe kazenskega prava države članice določijo, da lahko njihovi pristojni organi v zvezi s plačilnimi institucijami ali tistimi, ki dejansko obvladujejo poslovanje plačilnih institucij, ki kršijo zakone ali druge predpise o nadzoru ali opravljanju njihovih dejavnosti plačilnih storitev, sprejmejo ali jim naložijo kazni ali ukrepe, izrecno namenjene odpravi ugotovljenih kršitev ali vzrokov zanje.
Supervision
Ne glede na zahteve iz člena 7, člena 8(1) in (2) ter člena 9 države članice zagotovijo, da lahko pristojni organi sprejmejo ukrepe, opisane v odstavku 1 tega člena, da zagotovijo zadosten kapital za plačilne storitve, zlasti če dejavnosti plačilne institucije, ki niso plačilne storitve, škodijo ali utegnejo škoditi finančni stabilnosti plačilne institucije.
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.
Člen 24
In order to check compliance with this Title, the competent authorities shall, in particular, be entitled to take the following steps:
Poklicna skrivnost
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;
Države članice zagotovijo, da vse osebe, ki delajo ali so delale za pristojne organe, ter strokovnjake, ki delujejo v imenu pristojnih organov, zavezuje dolžnost varovanja poklicne skrivnosti, brez poseganja v primere, ki spadajo v kazensko pravo.
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;
Pri izmenjavi informacij v skladu s členom 26 se strogo uporablja načelo poklicne skrivnosti, da se zagotovi varstvo pravic posameznikov in podjetij.