Traduction de «credit transfer » (Anglais → Français) :

2a. Member States may allow their competent authorities to waive all or some of the requirements referred to in Article 5(1) and (2) for credit transfers and for direct debits for those credit transfer or for direct debit transactions with a cumulative market share, based on the official payment statistics published annually by the ECB, of less than 10 % of the total number of credit transfer or direct debit transactions respectively, in that Member State until .*.

3. In addition to the requirements referred to in paragraph 1, in relation to credit transfer transactions, a payee accepting credit transfers shall communicate its IBAN and the BIC of its payment service provider to its payers, every time a credit transfer is requested.

9. In addition to the requirements referred to in paragraph 1, in relation to credit transfer transactions, a payee accepting credit transfers shall communicate its IBAN and the BIC of its payment service provider to its payers, every time a credit transfer is requested.

Union-wide credit transfers and direct debits do not have the same level of maturity, since a direct debit is a more complex instrument than a credit transfer and, consequently, migration to Union-wide direct debits requires significantly more resources than migration to Union-wide credit transfers.

These include: - discussions with its two consultative groups (the Payments Systems Technical Development Group and the Payment Systems Users Liaison Group) on the ways in which the payment systems can best be prepared for the introduction of the Ecu - rapid progress, in the framework of an existing Task Force of government experts, on harmonising procedures for reporting cross- border credit transfers for the purposes of compiling balance of payments statistics (the Commission wants transactions below 10,000 Ecus exempted) - continuing discussions with Member State legal experts, central bank representatives and the EMI on harmonising t ...[+++]he legal framework for cross-border payments, in particular settlement finality for credit transfers (a Directive on settlement finality could be proposed in 1995) - maintaining contact with interested parties on the establishment of linkages between automatic clearing houses (ACHs, which process payments transfers at the national level) to assess how best to contribute to progress in this area - consulting with the Commission's two consultative groups on the results of an independent study to be completed in June 1995 on the information given to customers when using payment cards for cross-border payments (so-called face-to-face payments), and assessing the appropriate follow-up measures - launching a study on the regulatory implications for the EU of the use of pre-paid payment cards, particularly as regards the stability of the banking system, consumer protection and the promotion of interoperable cross-border banking services.

The package, in the form of a Communication to the European Parliament, the Council of Ministers, the European Monetary Institute and the Economic and Social Committee, includes: - a proposal for a Directive, which would impose an obligation on banks to respect contractual obligations as regards timing of transfers, outlaw double-charging, require lost payments to be reimbursed and sets the transparency rules applicable to transfers; - a call on the banking sector to enter, in agreement with consumer representatives, into voluntary commitments which anticipate the implementation of the provisions laid down in its proposed Directive; - a draft notice concerning the principles which the Commission intends to use when applying EC Treaty competition rules to cro ...[+++]ss-border credit transfer systems (concerning, for example, agreements between banks setting up such systems) - a work programme of accompanying measures in such areas as the preparation of payment systems for the transition to a single currency, risk reduction in cross-border payment systems, transparency of so-called face-to-face cross-border payments (such as credit card purchases in other Member States) and an analysis of the regulatory implications of new generation payment instruments such as electronic purses and wallets.