natgillin/translations-raw huggingface dataset:
The draft regulatory technical standards shall specify the method, means and details of cooperation in the supervision of payment institutions operating on a cross-border basis and, in particular, the scope and treatment of information to be exchanged, to ensure consistent and efficient supervision of payment institutions exercising cross-border provision of payment services.
Pristojni organ matične države članice brez odlašanja sporoči te ukrepe pristojnemu organu države članice gostiteljice in pristojnim organom vsake druge zadevne države članice.
Those draft regulatory technical standards shall also specify the means and details of any reporting requested by host Member States from payment institutions on the payment business activities carried out in their territories in accordance with paragraph 2, including the frequency of such reporting.
Kadar je v nujnih primerih potrebno takojšnje ukrepanje, da bi odpravili resno grožnjo skupnim interesom uporabnikov plačilnih storitev v državi članici gostiteljici, lahko pristojni organi države članice gostiteljice sprejmejo previdnostne ukrepe hkrati s čezmejnim sodelovanjem med pristojnimi organi in dokler pristojni organi matične države članice ne sprejmejo ukrepov iz člena 29.
Power is delegated to the Commission to adopt the regulatory technical standards referred to in paragraphs 5 and 6 in accordance with Articles 10 to 14 of Regulation (EU) No 1093/2010.
Vsi previdnostni ukrepi iz odstavka 2 so primerni in sorazmerni s svojim namenom, to je zaščito skupnih interesov uporabnikov plačilnih storitev v državah članicah gostiteljicah pred resno grožnjo.
Article 30
Zaradi teh ukrepov uporabniki plačilnih storitev plačilne institucije v državi članici gostiteljici ne bodo imeli prednosti pred uporabniki plačilnih storitev plačilnih institucij v drugih državah članicah.
Measures in case of non-compliance, including precautionary measures
Previdnostni ukrepi so začasni in prenehajo veljati, ko se opredeljene resne grožnje odpravijo, tudi s pomočjo pristojnih organov matične države ali v sodelovanju z njimi ali z EBA, kakor je določeno v členu 27(1).
Without prejudice to the responsibility of the competent authorities of the home Member State, where the competent authority of the host Member State ascertains that a payment institution having agents or branches in its territory does not comply with this Title or with national law transposing Title III or IV, it shall inform the competent authority of the home Member State without delay.
Glede na nujnost primera pristojni organi države članice gostiteljice obvestijo vnaprej, v vsakem primeru pa brez odlašanja, pristojne organe matične države članice in pristojne organe drugih zadevnih držav članice, Komisijo in EBA o previdnostnih ukrepih, sprejetih v skladu z odstavkom 2, in jih utemeljijo.
The competent authority of the home Member State, after having evaluated the information received pursuant to the first subparagraph, shall, without undue delay, take all appropriate measures to ensure that the payment institution concerned puts an end to its irregular situation.
Člen 31
The competent authority of the home Member State shall communicate those measures without delay to the competent authority of the host Member State and to the competent authorities of any other Member State concerned.
Utemeljitev in sporočanje
In emergency situations, where immediate action is necessary to address a serious threat to the collective interests of the payment service users in the host Member State, the competent authorities of the host Member State may, in parallel to the cross-border cooperation between competent authorities and pending measures by the competent authorities of the home Member State as set out in Article 29, take precautionary measures.
Vsak ukrep, ki ga pristojni organi sprejmejo v skladu s členom 23, 28, 29 ali 30, ki vključuje kazni ali omejitve uresničevanja svobode opravljanja storitev ali svobode ustanavljanja, se ustrezno utemelji in sporoči zadevni plačilni instituciji.
Any precautionary measures under paragraph 2 shall be appropriate and proportionate to their purpose to protect against a serious threat to the collective interests of the payment service users in the host Member State.
Členi 28, 29 in 30 ne posegajo v obveznost pristojnih organov, da v skladu z Direktivo (EU) 2015/849 in Uredbo (EU) 2015/847, zlasti členom 48(1) Direktive (EU) 2015/849 in členom 22(1)(f) Uredbe (EU) 2015/847, nadzorujejo ali spremljajo izpolnjevanje zahtev iz navedenih instrumentov.
They shall not result in a preference for payment service users of the payment institution in the host Member State over payment service users of the payment institution in other Member States.
Oddelek 4
Precautionary measures shall be temporary and shall be terminated when the serious threats identified are addressed, including with the assistance of or in cooperation with the home Member State’s competent authorities or with EBA as provided for in Article 27(1).
Izjeme
Where compatible with the emergency situation, the competent authorities of the host Member State shall inform the competent authorities of the home Member State and those of any other Member State concerned, the Commission and EBA in advance and in any case without undue delay, of the precautionary measures taken under paragraph 2 and of their justification.
Člen 32
Article 31
Pogoji
Reasons and communication
Države članice lahko določijo, da svojim pristojnim organom dovolijo uporabljati izjemo za fizične ali pravne osebe, ki opravljajo plačilne storitve iz točk (1) do (6) Priloge I, od uporabe dela ali celotnega postopka in pogojev iz oddelkov 1, 2 in 3, razen iz členov 14, 15, 22, 24, 25 in 26, kadar:
Any measure taken by the competent authorities pursuant to Article 23, 28, 29 or 30 involving penalties or restrictions on the exercise of the freedom to provide services or the freedom of establishment shall be properly justified and communicated to the payment institution concerned.
nobena od fizičnih oseb, ki so odgovorne za vodenje ali opravljanje dejavnosti, ni bila obsojena zaradi kaznivih dejanj pranja denarja ali financiranja terorizma ali drugega finančnega kaznivega dejanja.
Articles 28, 29 and 30 shall be without prejudice to the obligation of competent authorities under Directive (EU) 2015/849 and Regulation (EU) 2015/847, in particular under Article 48(1) of Directive (EU) 2015/849 and Article 22(1) of Regulation (EU) 2015/847, to supervise or monitor the compliance with the requirements laid down in those instruments.
Vsaka fizična ali pravna oseba, registrirana v skladu z odstavkom 1, mora imeti glavni sedež ali prebivališče v državi članici, v kateri dejansko opravlja dejavnost.
Section 4
Osebe iz odstavka 1 tega člena se obravnavajo kot plačilne institucije, vendar se člen 11(9) ter členi 28, 29 in 30 zanje ne uporabljajo.
Exemption
Države članice lahko določijo tudi, da lahko vsaka fizična ali pravna oseba, registrirana v skladu z odstavkom 1 tega člena, opravlja samo nekatere dejavnosti iz člena 18.
Member States may exempt or allow their competent authorities to exempt, natural or legal persons providing payment services as referred to in points (1) to (6) of Annex I from the application of all or part of the procedure and conditions set out in Sections 1, 2 and 3, with the exception of Articles 14, 15, 22, 24, 25 and 26, where:
Odstavki 1 do 5 tega člena se ne uporabljajo v zvezi z Direktivo (EU) 2015/849 ali v zvezi z nacionalnim pravom o preprečevanju pranja denarja.
the monthly average of the preceding 12 months’ total value of payment transactions executed by the person concerned, including any agent for which it assumes full responsibility, does not exceed a limit set by the Member State but that, in any event, amounts to no more than EUR 3 million.
Člen 33
That requirement shall be assessed on the projected total amount of payment transactions in its business plan, unless an adjustment to that plan is required by the competent authorities; and
Ponudniki storitev zagotavljanja informacij o računih
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.
Fizične ali pravne osebe, ki opravljajo le plačilne storitve iz točke (8) Priloge I, so izvzete iz uporabe postopka in pogojev iz oddelkov 1 in 2, z izjemo točk (a), (b), (e) do (h), (j), (l), (n), (p) in (q) člena 5(1), člena 5(3) ter členov 14 in 15.
Any natural or legal person registered in accordance with paragraph 1 shall be required to have its head office or place of residence in the Member State in which it actually carries out its business.
Uporablja se oddelek 3 z izjemo člena 23(3).
The persons referred to in paragraph 1 of this Article shall be treated as payment institutions, save that Article 11(9) and Articles 28, 29 and 30 shall not apply to them.
Osebe iz odstavka 1 tega člena se obravnavajo kot plačilne institucije, vendar se naslova III in IV zanje ne uporabljata, z izjemo členov 41, 45 in, če je ustrezno, 52 ter členov 67, 69 in 95 do 98.
Member States may also provide that any natural or legal person registered in accordance with paragraph 1 of this Article may engage only in certain activities listed in Article 18.
Člen 34
The persons referred to in paragraph 1 of this Article shall notify the competent authorities of any change in their situation which is relevant to the conditions specified in that paragraph.
Obveščanje in informacije
Member States shall take the necessary steps to ensure that where the conditions set out in paragraph 1, 2 or 4 of this Article are no longer met, the persons concerned shall seek authorisation within 30 calendar days in accordance with Article 11.
Če država članica uporablja izjemo na podlagi člena 32, o tem ustrezno obvesti Komisijo do 13. januarja 2018 in jo nemudoma obvesti o vseh naknadnih spremembah.
Paragraphs 1 to 5 of this Article shall not apply in respect of Directive (EU) 2015/849 or of national anti-money-laundering law.
Poleg tega država članica obvesti Komisijo o številu zadevnih fizičnih in pravnih oseb, enkrat letno pa tudi o skupni vrednosti izvršenih plačilnih transakcij po stanju na dan 31. decembra vsakega koledarskega leta, kakor je navedeno v točki (a) člena 32(1).
Article 33
POGLAVJE 2
Account information service providers
Skupne določbe
Natural or legal persons providing only the payment service as referred to in point (8) of Annex I shall be exempt from the application of the procedure and conditions set out in Sections 1 and 2, with the exception of points (a), (b), (e) to (h), (j), (l), (n), (p) and (q) of Article 5(1), Article 5(3) and Articles 14 and 15.
Člen 35
Section 3 shall apply, with the exception of Article 23(3).
Dostop do plačilnih sistemov
The persons referred to in paragraph 1 of this Article shall be treated as payment institutions, save that Titles III and IV shall not apply to them, with the exception of Articles 41, 45 and 52 where applicable, and of Articles 67, 69 and 95 to 98.
Države članice zagotovijo, da so pravila o dostopu ponudnikov plačilnih storitev, ki imajo dovoljenje za opravljanje plačilnih storitev ali so registrirani in so pravne osebe, do plačilnih sistemov objektivna, nediskriminatorna in sorazmerna ter ne omejujejo dostopa bolj, kot je potrebno za varovanje pred posebnimi tveganji, kot so tveganje poravnave, operativno tveganje in poslovno tveganje, ter za varovanje finančne in operativne stabilnosti plačilnega sistema.
Article 34
Plačilni sistemi ponudnikom plačilnih storitev, uporabnikom plačilnih storitev ali drugim plačilnim sistemom ne smejo naložiti nobene od naslednjih zahtev:
Notification and information
omejevalnih pravil v zvezi z dejansko udeležbo v drugih plačilnih sistemih;
If a Member State applies an exemption pursuant to Article 32, it shall, by 13 January 2018, notify the Commission of its decision accordingly and it shall notify the Commission forthwith of any subsequent change.
pravil, ki razlikujejo med ponudniki plačilnih storitev, ki imajo dovoljenje za opravljanje plačilnih storitev, ali med registriranimi ponudniki plačilnih storitev glede pravic, obveznosti in upravičenj udeležencev;
In addition, the Member State shall inform the Commission of the number of natural and legal persons concerned and, on an annual basis, of the total value of payment transactions executed as of 31 December of each calendar year, as referred to in point (a) of Article 32(1).
omejitev na podlagi institucionalnega statusa.
CHAPTER 2
Odstavek 1 se ne uporablja za:
Common provisions
plačilne sisteme, določene na podlagi Direktive 98/26/ES;
Article 35
plačilne sisteme, v katerih so izključno ponudniki plačilnih storitev, ki spadajo v skupino.
Access to payment systems
Za namene točke (a) prvega pododstavka države članice zagotovijo, da udeleženec določenega sistema v primeru, ko omogoča ponudniku plačilnih storitev, ki ima dovoljenje za opravljanje plačilnih storitev, ali registriranemu ponudniku plačilnih storitev, ki ni udeleženec sistema, pošiljanje nalogov za prenos skozi sistem, navedeni udeleženec to možnost v skladu z odstavkom 1 na zahtevo na objektiven, sorazmeren in nediskriminatoren način ponudi drugim ponudnikom plačilnih storitev, ki imajo dovoljenje za opravljanje plačilnih storitev, ali registriranim ponudnikom plačilnih storitev.
Member States shall ensure that the rules on access of authorised or registered payment service providers that are legal persons to payment systems are objective, non-discriminatory and proportionate and that they do not inhibit access more than is necessary to safeguard against specific risks such as settlement risk, operational risk and business risk and to protect the financial and operational stability of the payment system.
Udeleženec sporoči ponudniku plačilnih storitev, ki je vložil zahtevo, vse razloge za kakršno koli zavrnitev.
Payment systems shall not impose on payment service providers, on payment service users or on other payment systems any of the following requirements:
Člen 36
restrictive rule on effective participation in other payment systems;
Dostop do računov, ki jih vodi kreditna institucija
rule which discriminates between authorised payment service providers or between registered payment service providers in relation to the rights, obligations and entitlements of participants;
Države članice zagotovijo, da imajo plačilne institucije objektiven, nediskriminatoren in sorazmeren dostop do storitev, povezanih s plačilnimi računi, ki jih opravljajo kreditne institucije.
restriction on the basis of institutional status.
Tak dostop mora biti dovolj širok, da lahko plačilne institucije neovirano in učinkovito opravljajo plačilne storitve.
Paragraph 1 shall not apply to:
Kreditna institucija sporoči pristojnemu organu ustrezno utemeljene razloge za kakršno koli zavrnitev.
payment systems designated under Directive 98/26/EC;
Člen 37
payment systems composed exclusively of payment service providers belonging to a group.
Prepoved opravljanja plačilnih storitev osebam, ki niso ponudniki plačilnih storitev, in obveznost obveščanja
For the purposes of point (a) of the first subparagraph, Member States shall ensure that where a participant in a designated system allows an authorised or registered payment service provider that is not a participant in the system to pass transfer orders through the system that participant shall, when requested, give the same opportunity in an objective, proportionate and non-discriminatory manner to other authorised or registered payment service providers in line with paragraph 1.
Države članice prepovedo opravljanje plačilnih storitev fizičnim ali pravnim osebam, ki niso niti ponudniki plačilnih storitev niti izrecno izključeni iz področja uporabe te direktive.
The participant shall provide the requesting payment service provider with full reasons for any rejection.
Države članice zahtevajo, da ponudniki storitev, ki opravljajo eno ali obe dejavnosti iz točk (i) in (ii) točke (k) člena 3 ali za katere skupna vrednost plačilnih transakcij, ki so bile izvršene v preteklih 12 mesecih, presega 1 milijon EUR, pošljejo obvestilo pristojnim organom, ki vsebuje opis ponujenih storitev in določa, po katerem izvzetju iz točk (i) in (ii) točke (k) člena 3 se šteje, da se dejavnost opravlja.
Article 36
Pristojni organ na podlagi tega obvestila sprejme utemeljeno odločitev na podlagi meril iz točke (k) člena 3, kadar dejavnosti ni mogoče obravnavati kot omejeno mrežo, ter o tem ustrezno obvesti ponudnika storitev.
Access to accounts maintained with a credit institution
Države članice zahtevajo, da ponudniki storitev, ki opravljajo dejavnosti iz točke (l) člena 3, pošljejo obvestilo pristojnim organom ter jim zagotovijo letno revizijsko mnenje, ki potrjuje, da je dejavnost v skladu z omejitvami iz točke (l) člena 3.
Member States shall ensure that payment institutions have access to credit institutions’ payment accounts services on an objective, non-discriminatory and proportionate basis.
Ne glede na odstavek 1 pristojni organi obvestijo EBA o storitvah, priglašenih v skladu z odstavkoma 2 in 3, in navedejo, v skladu s katerim izvzetjem se dejavnost opravlja.
Such access shall be sufficiently extensive as to allow payment institutions to provide payment services in an unhindered and efficient manner.
Opis dejavnosti, priglašene v skladu z odstavkoma 2 in 3 tega člena, se objavi v registrih, določenih v členih 14 in 15.
The credit institution shall provide the competent authority with duly motivated reasons for any rejection.
NASLOV III
Article 37
PREGLEDNOST POGOJEV IN ZAHTEVE O INFORMACIJAH V ZVEZI S PLAČILNIMI STORITVAMI
Prohibition of persons other than payment service providers from providing payment services and duty of notification
Člen 38
Member States shall prohibit natural or legal persons that are neither payment service providers nor explicitly excluded from the scope of this Directive from providing payment services.
Ta naslov se uporablja za enkratne plačilne transakcije, okvirne pogodbe in plačilne transakcije iz teh pogodb.
Member States shall require that service providers carrying out either of the activities referred to in points (i) and (ii) of point (k) of Article 3 or carrying out both activities, for which the total value of payment transactions executed over the preceding 12 months exceeds the amount of EUR 1 million, send a notification to competent authorities containing a description of the services offered, specifying under which exclusion referred to in point (k)(i) and (ii) of Article 3 the activity is considered to be carried out.
Pogodbene stranke se lahko dogovorijo, da se v celoti ali delno ne uporablja, če uporabnik plačilnih storitev ni potrošnik.
On the basis of that notification, the competent authority shall take a duly motivated decision on the basis of criteria referred to in point (k) of Article 3 where the activity does not qualify as a limited network, and inform the service provider accordingly.
Države članice lahko uporabljajo določbe tega naslova za mikropodjetja na enak način kot za potrošnike.
Member States shall require that service providers carrying out an activity referred to in point (l) of Article 3 send a notification to competent authorities and provide competent authorities an annual audit opinion, testifying that the activity complies with the limits set out in point (l) of Article 3.
Člen 39
Notwithstanding paragraph 1, competent authorities shall inform EBA of the services notified pursuant to paragraphs 2 and 3, stating under which exclusion the activity is carried out.
Druge določbe prava Unije
The description of the activity notified under paragraphs 2 and 3 of this Article shall be made publicly available in the registers provided for in Articles 14 and 15.
Določbe tega naslova ne posegajo v pravo Unije, ki vsebuje dodatne zahteve glede predhodnih informacij.
TITLE III
Vendar se v primerih, ko se uporablja tudi Direktiva 2002/65/ES, zahteve o informacijah iz člena 3(1) navedene direktive, razen točk (2)(c) do (g), (3)(a), (d) in (e) ter (4)(b) navedenega odstavka, nadomestijo s členi 44, 45, 51 in 52 te direktive.
TRANSPARENCY OF CONDITIONS AND INFORMATION REQUIREMENTS FOR PAYMENT SERVICES
Člen 40
Article 38
Nadomestila za informacije
This Title applies to single payment transactions, framework contracts and payment transactions covered by them.
Ponudnik plačilnih storitev uporabniku plačilnih storitev ne sme zaračunati nadomestil za informacije iz tega naslova.
The parties may agree that it shall not apply in whole or in part when the payment service user is not a consumer.
Ponudnik plačilnih storitev in uporabnik plačilnih storitev se lahko dogovorita o nadomestilih za dodatne ali pogostejše informacije ali o pošiljanju informacij s komunikacijskimi sredstvi, ki niso določena v okvirni pogodbi, če so zadevne storitve opravljene na zahtevo uporabnika plačilnih storitev.
Member States may apply the provisions in this Title to microenterprises in the same way as to consumers.
Kadar sme ponudnik plačilnih storitev zaračunati nadomestilo za informacije v skladu z odstavkom 2, mora biti nadomestilo razumno in v skladu z njegovimi dejanskimi stroški.
Article 39
Člen 41
Other provisions in Union law
Breme dokazovanja glede zahtev o informacijah
The provisions of this Title are without prejudice to any Union law containing additional requirements on prior information.
Države članice določijo, da ponudnik plačilnih storitev nosi breme dokazovanja, da je izpolnil zahteve o informacijah iz tega naslova.
However, where Directive 2002/65/EC is also applicable, the information requirements set out in Article 3(1) of that Directive, with the exception of points (2)(c) to (g), (3)(a), (d) and (e), and (4)(b) of that paragraph shall be replaced by Articles 44, 45, 51 and 52 of this Directive.
Člen 42
Article 40
Odstopanje od zahtev o informacijah za instrumente za plačila majhnih vrednosti in elektronski denar
Charges for information
V primeru plačilnih instrumentov, ki v skladu z relevantno okvirno pogodbo omogočajo samo izvrševanje posameznih plačilnih transakcij v vrednosti do največ 30 EUR, ali instrumentov, ki imajo bodisi omejitev porabe na 150 EUR bodisi shranjena denarna sredstva, katerih znesek v nobenem trenutku ne presega 150 EUR:
The payment service provider shall not charge the payment service user for providing information under this Title.
z odstopanjem od členov 51, 52 in 56 ponudnik plačilnih storitev zagotavlja plačniku zgolj informacije o glavnih značilnostih plačilne storitve, vključno z možnim načinom uporabe plačilnega instrumenta, odgovornostjo, zaračunanim nadomestilom in drugimi bistvenimi informacijami, potrebnimi za sprejetje utemeljene odločitve, ter podatek o tem, kje so zlahka na voljo kakršne koli druge informacije ali pogoji iz člena 52;
The payment service provider and the payment service user may agree on charges for additional or more frequent information, or transmission by means of communication other than those specified in the framework contract, provided at the payment service user’s request.
se lahko z odstopanjem od člena 54 sklene dogovor, da ponudniku plačilnih storitev ni treba predlagati sprememb pogodbenih pogojev okvirne pogodbe na enak način, kakor je določeno v členu 51(1);
Where the payment service provider may impose charges for information in accordance with paragraph 2, they shall be reasonable and in line with the payment service provider’s actual costs.
se lahko z odstopanjem od členov 57 in 58 sklene dogovor, da po izvršitvi posamezne plačilne transakcije:
Article 41
ponudnik plačilnih storitev zagotovi ali da na voljo zgolj sklic, ki uporabniku plačilne storitve omogoča identifikacijo plačilne transakcije, znesek plačilne transakcije in vsa nadomestila, in/ali v primeru več plačilnih transakcij iste vrste za istega prejemnika plačila zgolj informacije o celotnem znesku in nadomestilih za te plačilne transakcije;
Burden of proof on information requirements
ponudniku plačilnih storitev ni treba zagotoviti niti dati na voljo informacij iz točke (i), če se plačilni instrument uporabi anonimno ali če jih ponudnik plačilnih storitev tehnično ni zmožen zagotoviti.