natgillin/translations-raw huggingface dataset:
Competent authorities should ensure that payment service providers include the required transaction information with the wire transfer or related message throughout the payment chain.
Pristojni organi bi morali zagotoviti, da ponudniki plačilnih storitev zahtevane informacije o transakciji vključijo v elektronski prenos ali s tem povezano sporočilo po vsej plačilni verigi.
Given the potential threat of money laundering and terrorist financing presented by anonymous transfers, it is appropriate to require payment service providers to request information on the payer and the payee.
Glede na potencialno grožnjo pranja denarja in financiranja terorizma, ki jo predstavljajo anonimni prenosi sredstev, je od ponudnikov plačilnih storitev primerno zahtevati, da zahtevajo informacije o plačniku in prejemniku plačila.
In line with the risk-based approach developed by FATF, it is appropriate to identify areas of higher and lower risk, with a view to better targeting the risk of money laundering and terrorist financing.
V skladu s pristopom na podlagi tveganja, ki ga je razvil FATF, je primerno opredeliti področja višjega in nižjega tveganja za bolj ciljno usmerjeno obravnavo tveganja pranja denarja in financiranja terorizma.
Accordingly, the payment service provider of the payee and the intermediary payment service provider should have effective risk-based procedures that apply where a transfer of funds lacks the required information on the payer or the payee, in order to allow them to decide whether to execute, reject or suspend that transfer and to determine the appropriate follow-up action to take.
Ustrezno s tem bi morala imeti ponudnik plačilnih storitev prejemnika plačila in ponudnik posredniških plačilnih storitev vzpostavljene učinkovite postopke na podlagi tveganja, ki se uporabljajo, kadar prenosa sredstev ne spremljajo zahtevane informacije o plačniku ali prejemniku plačila, na podlagi katerih se lahko odločita, ali naj izvršita, zavrneta ali ustavita ta prenos, ter določita primerno nadaljnje ukrepanje.
The payment service provider of the payee and the intermediary payment service provider should exercise special vigilance, assessing the risks, when either becomes aware that information on the payer or the payee is missing or incomplete, and should report suspicious transactions to the competent authorities in accordance with the reporting obligations set out in Directive (EU) 2015/849 and with national measures transposing that Directive.
Ponudnik plačilnih storitev prejemnika plačila in ponudnik posredniških plačilnih storitev bi morala biti pri oceni tveganj posebej pozorna, če kateri koli od njiju ugotovi, da informacije o plačniku ali prejemniku plačila manjkajo ali so nepopolne, ter bi morala pristojnim organom poročati o sumljivih transakcijah v skladu z obveznostmi poročanja iz Direktive (EU) 2015/849 in z nacionalnimi ukrepi za prenos navedene direktive.
The provisions on transfers of funds in relation to which information on the payer or the payee is missing or incomplete apply without prejudice to any obligations on payment service providers and intermediary payment service providers to suspend and/or reject transfers of funds which breach a provision of civil, administrative or criminal law.
Določbe o prenosih sredstev, v zvezi s katerimi informacije o plačniku ali prejemniku plačila manjkajo ali so nepopolne, se uporabljajo brez poseganja v katere koli obveznosti ponudnikov plačilnih storitev in ponudnikov posredniških plačilnih storitev, da ustavijo in/ali zavrnejo prenose sredstev, ki kršijo določbe civilnega, upravnega ali kazenskega prava.
With the aim of assisting payment service providers to put effective procedures in place to detect cases in which they receive transfers of funds with missing or incomplete payer or payee information and to take follow-up actions, the European Supervisory Authority (European Banking Authority) (EBA), established by Regulation (EU) No 1093/2010 of the European Parliament and of the Council [12], the European Supervisory Authority (European Insurance and Occupational Pensions Authority) (EIOPA), established by Regulation (EU) No 1094/2010 of the European Parliament and of the Council [13], and the European Supervisory Authority (European Securities and Markets Authority) (ESMA), established by Regulation (EU) No 1095/2010 of the European Parliament and of the Council [14], should issue guidelines.
Da se ponudnikom plačilnih storitev pomaga vzpostaviti učinkovite postopke za odkrivanje primerov, v katerih prejmejo prenose sredstev pri katerih informacije o plačniku ali prejemniku plačila manjkajo ali so nepopolne, ter nadalje ustrezno ukrepati, bi morali evropski nadzorni organ (Evropski bančni organ) (EBA), ustanovljen z Uredbo (EU) št. 1093/2010 Evropskega parlamenta in Sveta [12], evropski nadzorni organ (Evropski organ za zavarovanja in poklicne pokojnine) (EIOPA), ustanovljen z Uredbo (EU) št. 1094/2010 Evropskega parlamenta in Sveta [13], ter evropski nadzorni organ (Evropski organ za vrednostne papirje in trge) (ESMA), ustanovljen z Uredbo (EU) št. 1095/2010 Evropskega parlamenta in Sveta [14], izdati smernice.
To enable prompt action to be taken in the fight against money laundering and terrorist financing, payment service providers should respond promptly to requests for information on the payer and the payee from the authorities responsible for combating money laundering or terrorist financing in the Member State where those payment service providers are established.
Za omogočanje hitrega ukrepanja v boju proti pranju denarja in financiranju terorizma bi se morali ponudniki plačilnih storitev hitro odzvati na zahteve po informacijah o plačniku in prejemniku plačila, ki jih podajo organi, pristojni za boj proti pranju denarja ali financiranju terorizma v državi članici, v kateri imajo ti ponudniki plačilnih storitev sedež.
The number of working days in the Member State of the payment service provider of the payer determines the number of days to respond to requests for information on the payer.
Število dni, ki so na voljo za odgovor na zahtevo po informacijah o plačniku, se določi na podlagi števila delovnih dni v državi članici ponudnika plačilnih storitev plačnika.
As it may not be possible in criminal investigations to identify the data required or the individuals involved in a transaction until many months, or even years, after the original transfer of funds, and in order to be able to have access to essential evidence in the context of investigations, it is appropriate to require payment service providers to keep records of information on the payer and the payee for a period of time for the purposes of preventing, detecting and investigating money laundering and terrorist financing.
Ker se lahko zgodi, da v kazenskih preiskavah zahtevanih podatkov ali posameznikov, vpletenih v transakcijo, ni mogoče identificirati več mesecev ali celo let po prvotnem prenosu sredstev, in da se omogoči dostop do ključnih dokazov v okviru preiskav, je primerno od ponudnikov plačilnih storitev zahtevati, da določeno obdobje vodijo evidence informacij o plačniku in prejemniku plačila za namene preprečevanja, odkrivanja in preiskovanja pranja denarja in financiranja terorizma.
That period should be limited to five years, after which all personal data should be deleted unless national law provides otherwise.
To obdobje bi moralo biti omejeno na pet let, po tem obdobju pa bi se morali izbrisati vsi osebni podatki, razen če nacionalno pravo določa drugače.
If necessary for the purposes of preventing, detecting or investigating money laundering or terrorist financing, and after carrying out an assessment of the necessity and proportionality of the measure, Member States should be able to allow or require retention of records for a further period of no more than five years, without prejudice to national criminal law on evidence applicable to ongoing criminal investigations and legal proceedings.
Državam članicam bi bilo treba, če je to potrebno za namene preprečevanja, odkrivanja in preiskovanja pranja denarja in financiranja terorizma in po izvedbi ocene nujnosti in sorazmernosti ukrepa, omogočiti, da dovolijo ali zahtevajo hrambo evidenc za nadaljnje obdobje največ petih let, brez poseganja v nacionalno kazensko pravo o dokazih, ki se uporablja v tekočih kazenskih preiskavah in pravnih postopkih.
In order to improve compliance with this Regulation, and in accordance with the Commission Communication of 9 December 2010 entitled ‘Reinforcing sanctioning regimes in the financial services sector’, the power to adopt supervisory measures and the sanctioning powers of competent authorities should be enhanced.
Za izboljšanje skladnosti s to uredbo in v skladu s Sporočilom Komisije z dne 9. decembra 2010 z naslovom „Krepitev sistemov sankcij v sektorju finančnih storitev“ bi bilo treba povečati pooblastila pristojnih organov za sprejemanje nadzornih ukrepov in izrekanje sankcij.
Administrative sanctions and measures should be provided for and, given the importance of the fight against money laundering and terrorist financing, Member States should lay down sanctions and measures that are effective, proportionate and dissuasive.
Določiti bi bilo treba upravne sankcije in ukrepe, glede na pomembnost boja proti pranju denarja in financiranju terorizma pa bi morale države članice določiti sankcije in ukrepe, ki so učinkoviti, sorazmerni in odvračilni.
Member States should notify the Commission and the Joint Committee of EBA, EIOPA and ESMA (the ‘ESAs’) thereof.
Države članice bi morale o tem uradno obvestiti Komisijo ter skupni odbor EBA, EIOPA in ESMA (v nadaljnjem besedilu: evropski nadzorni organi).
In order to ensure uniform conditions for the implementation of Chapter V of this Regulation, implementing powers should be conferred on the Commission.
Za zagotovitev enotnih pogojev za izvajanje poglavja V te uredbe bi bilo treba na Komisijo prenesti izvedbena pooblastila.
Those powers should be exercised in accordance with Regulation (EU) No 182/2011 of the European Parliament and of the Council [15].
Ta pooblastila bi bilo treba izvajati v skladu z Uredbo (EU) št. 182/2011 Evropskega parlamenta in Sveta [15].
A number of countries and territories which do not form part of the territory of the Union share a monetary union with a Member State, form part of the currency area of a Member State or have signed a monetary convention with the Union represented by a Member State, and have payment service providers that participate directly or indirectly in the payment and settlement systems of that Member State.
Več držav in ozemelj, ki niso sestavni del ozemlja Unije, je v monetarni uniji s posamezno državo članico, je sestavni del valutnega območja države članice ali je podpisalo monetarni sporazum z Unijo, ki jo zastopa ena od držav članic, in imajo ponudnike plačilnih storitev, ki neposredno ali posredno sodelujejo v plačilnih sistemih in sistemih poravnave te države članice.
In order to avoid the application of this Regulation to transfers of funds between the Member States concerned and those countries or territories having a significant negative effect on the economies of those countries or territories, it is appropriate to provide for the possibility for such transfers of funds to be treated as transfers of funds within the Member States concerned.
Da bi se izognili uporabi te uredbe za prenose sredstev med zadevnimi državami članicami in temi državami ali ozemlji, ki bi občutno negativno vplivala na gospodarstva teh držav ali ozemelj, je primerno določiti možnost, da se taki prenosi sredstev obravnavajo kot prenosi sredstev znotraj zadevnih držav članic.
Given the number of amendments that would need to be made to Regulation (EC) No 1781/2006 of the European Parliament and of the Council [16] pursuant to this Regulation, that Regulation should be repealed for reasons of clarity.
Glede na to, da bi bile na podlagi te uredbe potrebne številne spremembe Uredbe (ES) št. 1781/2006 Evropskega parlamenta in Sveta [16], bi bilo treba navedeno uredbo zaradi jasnosti razveljaviti.
Since the objectives of this Regulation cannot be sufficiently achieved by the Member States but can rather, by reason of the scale or effects of the action, be better achieved at Union level, the Union may adopt measures, in accordance with the principle of subsidiarity as set out in Article 5 of the Treaty on European Union (TEU).
Ker ciljev te uredbe države članice ne morejo zadovoljivo doseči, temveč se zaradi obsega ali učinkov ukrepa lažje dosežejo na ravni Unije, lahko Unija sprejme ukrepe v skladu z načelom subsidiarnosti iz člena 5 Pogodbe o Evropski uniji (PEU).
This Regulation respects the fundamental rights and observes the principles recognised by the Charter of Fundamental Rights of the European Union, in particular the right to respect for private and family life (Article 7), the right to the protection of personal data (Article 8), the right to an effective remedy and to a fair trial (Article 47) and the principle of ne bis in idem.
Ta uredba spoštuje temeljne pravice in upošteva načela, ki jih priznava Listina Evropske unije o temeljnih pravicah, še posebej pravico do spoštovanja zasebnega in družinskega življenja (člen 7), pravico do varstva osebnih podatkov (člen 8), pravico do učinkovitega pravnega sredstva in nepristranskega sodišča (člen 47) ter načelo ne bis in idem.
In order to ensure the smooth introduction of the anti-money laundering and terrorist financing framework, it is appropriate that the date of application of this Regulation be the same as the deadline for transposition of Directive (EU) 2015/849.
Da se zagotovi nemotena uvedba okvira za boj proti pranju denarja in financiranju terorizma, je primerno, da dan začetka uporabe te uredbe sovpada z dnem izteka roka za prenos Direktive (EU) 2015/849.
The European Data Protection Supervisor was consulted in accordance with Article 28(2) of Regulation (EC) No 45/2001 of the European Parliament and of the Council [17] and delivered an opinion on 4 July 2013 [18],
V skladu s členom 28(2) Uredbe (ES) št. 45/2001 Evropskega parlamenta in Sveta [17] je bilo opravljeno posvetovanje z Evropskim nadzornikom za varstvo podatkov, ki je podal mnenje 4. julija 2013 [18] –
This Regulation lays down rules on the information on payers and payees, accompanying transfers of funds, in any currency, for the purposes of preventing, detecting and investigating money laundering and terrorist financing, where at least one of the payment service providers involved in the transfer of funds is established in the Union.
Ta uredba določa pravila o informacijah o plačnikih in prejemnikih plačil, ki spremljajo prenose sredstev, v vsaki valuti, za namene preprečevanja, odkrivanja in preiskovanja pranja denarja in financiranja terorizma, kadar ima vsaj eden od ponudnikov plačilnih storitev, udeležen v prenosu sredstev, sedež v Uniji.
This Regulation shall apply to transfers of funds, in any currency, which are sent or received by a payment service provider or an intermediary payment service provider established in the Union.
Ta uredba se uporablja za prenose sredstev v kateri koli valuti, ki jih pošlje ali prejme ponudnik plačilnih storitev ali ponudnik posredniških plačilnih storitev s sedežem v Uniji.
This Regulation shall not apply to the services listed in points (a) to (m) and (o) of Article 3 of Directive 2007/64/EC.
Ta uredba se ne uporablja za storitve, navedene v točkah (a) do (m) in (o) člena 3 Direktive 2007/64/ES.
This Regulation shall not apply to transfers of funds carried out using a payment card, an electronic money instrument or a mobile phone, or any other digital or IT prepaid or postpaid device with similar characteristics, where the following conditions are met:
Ta uredba se ne uporablja za prenose sredstev, ki se izvedejo z uporabo plačilne kartice, instrumenta elektronskega denarja, prek mobilnega telefona ali katere koli druge digitalne naprave ali predplačniške ali naročniške IT naprave s podobnimi značilnostmi, kadar so izpolnjeni naslednji pogoji:
that card, instrument or device is used exclusively to pay for goods or services; and
ta kartica, instrument ali naprava se uporablja izključno za plačilo blaga ali storitev, ter
the number of that card, instrument or device accompanies all transfers flowing from the transaction.
številka te kartice, instrumenta ali naprave se navede pri vseh prenosih, ki izhajajo iz transakcije.
However, this Regulation shall apply when a payment card, an electronic money instrument or a mobile phone, or any other digital or IT prepaid or postpaid device with similar characteristics, is used in order to effect a person-to-person transfer of funds.
Vendar se ta uredba uporablja, kadar se plačilna kartica, instrument elektronskega denarja, mobilni telefon ali katera koli druga digitalna naprava ali predplačniška ali naročniška IT naprava s podobnimi značilnostmi uporablja za izvrševanje prenosov sredstev z osebe na osebo.
This Regulation shall not apply to persons that have no activity other than to convert paper documents into electronic data and that do so pursuant to a contract with a payment service provider, or to persons that have no activity other than to provide payment service providers with messaging or other support systems for transmitting funds or with clearing and settlement systems.
Ta uredba se ne uporablja za osebe, ki nimajo druge dejavnosti kot zgolj spreminjati dokumente v papirni obliki v elektronske informacije in ki to opravljajo na podlagi pogodbe, sklenjene s ponudnikom plačilnih storitev, ali osebe, ki nimajo druge dejavnosti kot zgolj ponudnikom plačilnih storitev zagotavljati sisteme sporočil ali druge sisteme podpore za posredovanje sredstev ali klirinške sisteme in sisteme poravnave.
that involve the payer withdrawing cash from the payer's own payment account;
ki vključujejo plačnika, ki dvigne gotovino s svojega lastnega plačilnega računa;
that transfer funds to a public authority as payment for taxes, fines or other levies within a Member State;
ki sredstva prenesejo javnemu organu kot plačilo davkov, kazni ali drugih dajatev v državi članici;
where both the payer and the payee are payment service providers acting on their own behalf;
kadar sta tako plačnik kot prejemnik plačila ponudnika plačilnih storitev in delujeta v lastnem imenu;
that are carried out through cheque images exchanges, including truncated cheques.
ki se izvedejo prek čekov v elektronski obliki, vključno z elektronsko obdelanimi čeki.
A Member State may decide not to apply this Regulation to transfers of funds within its territory to a payee's payment account permitting payment exclusively for the provision of goods or services where all of the following conditions are met:
Država članica se lahko odloči, da te uredbe ne uporablja za prenose sredstev na svojem ozemlju na plačilnem računu prejemnika plačila, s katerega je mogoče plačevati izključno dobavo blaga ali storitev, kadar so izpolnjeni vsi naslednji pogoji:
the payment service provider of the payee is subject to Directive (EU) 2015/849;
za ponudnika plačilnih storitev prejemnika plačila velja Direktiva (EU) 2015/849;
the payment service provider of the payee is able to trace back, through the payee, by means of a unique transaction identifier, the transfer of funds from the person who has an agreement with the payee for the provision of goods or services;
ponudnik plačilnih storitev prejemnika plačila lahko z enolično identifikacijsko oznako transakcije prek prejemnika plačila izsledi prenos sredstev od osebe, ki je s prejemnikom plačila sklenila dogovor o dobavi blaga ali opravljanju storitev;
the amount of the transfer of funds does not exceed EUR 1000.
znesek prenosa sredstev ne presega 1000 EUR.
‘terrorist financing’ means terrorist financing as defined in Article 1(5) of Directive (EU) 2015/849;
„financiranje terorizma“ pomeni financiranje terorizma, kot je opredeljeno v členu 1(5) Direktive (EU) 2015/849;
‘money laundering’ means the money laundering activities referred to in Article 1(3) and (4) of Directive (EU) 2015/849;
„pranje denarja“ pomeni dejavnosti pranja denarja iz člena 1(3) in (4) Direktive (EU) 2015/849;
‘payer’ means a person that holds a payment account and allows a transfer of funds from that payment account, or, where there is no payment account, that gives a transfer of funds order;
„plačnik“ pomeni osebo, ki je imetnik plačilnega računa in odobri prenos sredstev s tega plačilnega računa, ali, kadar plačilni račun ne obstaja, ki izda nalog za prenos sredstev;
‘payee’ means a person that is the intended recipient of the transfer of funds;
„prejemnik plačila“ pomeni osebo, ki je predvideni prejemnik prenosa sredstev;
‘payment service provider’ means the categories of payment service provider referred to in Article 1(1) of Directive 2007/64/EC, natural or legal persons benefiting from a waiver pursuant to Article 26 thereof and legal persons benefiting from a waiver pursuant to Article 9 of Directive 2009/110/EC of the European Parliament and of the Council [19], providing transfer of funds services;
„ponudnik plačilnih storitev“ pomeni kategorije ponudnikov plačilnih storitev iz člena 1(1) Direktive 2007/64/ES, fizične ali pravne osebe, ki jim je bila odobrena opustitev skladno s členom 26 Direktive in pravne osebe, ki jim je bila odobrena opustitev skladno s členom 9 Direktive 2009/110/ES Evropskega parlamenta in Sveta [19], ki ponujajo storitve prenosa sredstev;
‘intermediary payment service provider’ means a payment service provider that is not the payment service provider of the payer or of the payee and that receives and transmits a transfer of funds on behalf of the payment service provider of the payer or of the payee or of another intermediary payment service provider;
„ponudnik posredniških plačilnih storitev“ pomeni ponudnika plačilnih storitev, ki ni ponudnik plačilnih storitev plačnika niti prejemnika plačila in ki prejme in posreduje prenos sredstev v imenu ponudnika plačilnih storitev plačnika ali prejemnika plačila ali drugega ponudnika posredniških plačilnih storitev;
‘payment account’ means a payment account as defined in point (14) of Article 4 of Directive 2007/64/EC;
„plačilni račun“ pomeni plačilni račun, kot je opredeljen v točki 14 člena 4 Direktive 2007/64/ES;
‘funds’ means funds as defined in point (15) of Article 4 of Directive 2007/64/EC;
„sredstva“ pomeni sredstva, kot so opredeljena v točki 15 člena 4 Direktive 2007/64/ES;
‘transfer of funds’ means any transaction at least partially carried out by electronic means on behalf of a payer through a payment service provider, with a view to making funds available to a payee through a payment service provider, irrespective of whether the payer and the payee are the same person and irrespective of whether the payment service provider of the payer and that of the payee are one and the same, including:
„prenos sredstev“ pomeni katero koli transakcijo, vsaj delno izvedeno z elektronskimi sredstvi v imenu plačnika prek ponudnika plačilnih storitev, z namenom dati sredstva na voljo prejemniku plačila prek ponudnika plačilnih storitev, ne glede na to, ali sta plačnik in prejemnik plačila ista oseba, in ne glede na to, ali je ponudnik plačilnih storitev plačnika in prejemnika plačila isti, vključno s/z:
a credit transfer as defined in point (1) of Article 2 of Regulation (EU) No 260/2012;
kreditnim prenosom, kot je opredeljen v točki 1 člena 2 Uredbe (EU) št. 260/2012;
a direct debit as defined in point (2) of Article 2 of Regulation (EU) No 260/2012;
direktno bremenitvijo, kot je opredeljena v točki 2 člena 2 Uredbe (EU) št. 260/2012;
a money remittance as defined in point (13) of Article 4 of Directive 2007/64/EC, whether national or cross border;
denarnim nakazilom, kot je opredeljeno v točki 13 člena 4 Direktive 2007/64/ES, bodisi nacionalnim ali čezmejnim;
a transfer carried out using a payment card, an electronic money instrument, or a mobile phone, or any other digital or IT prepaid or postpaid device with similar characteristics;
prenosom, izvedenim z uporabo plačilne kartice, instrumenta elektronskega denarja, mobilnega telefona ali katere koli druge digitalne naprave ali predplačniške ali naročniške IT naprave s podobnimi značilnostmi;