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The applicability of the rules of strong customer authentication ("SCA") to direct debit transactions has been subject to various statements by the EBA and the BaFin. On 7 June 2019, the EBA published another statement via its Q&A-tool (Question ID 2019_4664) on the application of SCA to direct debit transaction. It appears that the application of SCA rules on direct debit payments is now clear at an EU-level.
On 19 March 2019, the European Parliament and Council adopted Regulation 2019/518 amending Regulation 924/2009 (the Current Regulation) as regards certain charges on cross-border payments in the Union and currency conversion charges. Regulation 2019/518 came into force on 18 April 2019 but its provisions will progressively become applicable between 15 December 2019 and 19 April 2021 – this consolidated text being referred to below as "CBPR2".
The European Commission (EC) has recently confirmed that MITs are out of scope of SCA following arguments and discussion led by UK Finance supported by Osborne Clarke ("OC"): OC wrote a definitive document setting out the legal rationale for treating MITs as out of scope of the PSD2 SCA requirements, which the European Commission has in large part used to answer the question posed.
On 19 March 2019, the European Parliament and Council adopted Regulation 2019/518 amending Regulation 924/2009 (the Current Regulation) as regards certain charges on cross-border payments in the Union and currency conversion charges. Regulation 2019/518 came into force on 18 April 2019 but its provisions will progressively become applicable between 15 December 2019 and 19 April 2021 – this consolidated text being referred to below as "CBPR2".
Die fortschreitende Digitalisierung des Zahlungsverkehrs erfordert regulatorische Neuregelungen, die den innovativen mobilen Zahlungsmöglichkeiten Rechnung tragen. Zum größten Teil wurden die Vorgaben zum elektronischen Zahlungsverkehr bereits zu Januar 2018 durch die Umsetzung der Zweiten Zahlungsdiensterichtlinie (Payment Service Directive 2 – „PSD2“) überarbeitet. In Bezug auf die starke Kundenauthentifizierung wurde dem Markt ein längerer Umsetzungszeitraum gewährt. So gelten die von der Europäischen Bankenaufsichtsbehörde (EBA) im Rahmen einer Delegierten Verordnung entwickelten technischen Regulierungsstandards für eine starke Kundenauthentifizierung (Regulatory Technical Standard „RTS“) europaweit erst ab dem 14. September 2019.
On 25 February 2019, the European Banking Authority (EBA) issued its final report on the EBA Draft Guidelines on outsourcing arrangements (the Draft EBA Guidelines on outsourcing). This Final Report follows a public consultation which ended on 24 September 2018. That public consultation was preceded by EBA's publication of a Consultation Paper on the EBA Draft Guidelines on Outsourcing arrangements (the Consultation Paper).