4787179H503772017/1877propproppropProposition 2017/18:77PropositionPropositionFinansdepartementetFiU7702018-01-30 00:00:002018-05-24 17:21:472018-01-30 00:00:00Nya regler om betaltjänsterKlarhtml-ecprop-RIMca826114-5ed2-4941-8234-0dc0f62c16afhttps://data.riksdagen.se/dokument/H50377/texthttps://data.riksdagen.se/dokument/H50377https://data.riksdagen.se/dokumentstatus/H50377
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<P class="p0 ft0">Regeringens proposition 2017/18:77</P>
<TABLE cellpadding=0 cellspacing=0 class="t0">
<TR>
<TD class="tr0 td0"><P class="p1 ft1">Nya regler om betaltjänster</P></TD>
<TD class="tr0 td1"><P class="p2 ft1">Prop.</P></TD>
</TR>
<TR>
<TD class="tr1 td2"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td3"><P class="p2 ft1">2017/18:77</P></TD>
</TR>
</TABLE>
<P class="p4 ft3">Regeringen överlämnar denna proposition till riksdagen.</P>
<P class="p5 ft3">Stockholm den 25 januari 2018</P>
<P class="p6 ft4">Stefan Löfven</P>
<P class="p7 ft4">Per Bolund</P>
<P class="p8 ft3">(Finansdepartementet)</P>
<P class="p9 ft1">Propositionens huvudsakliga innehåll</P>
<P class="p10 ft5">Propositionen innehåller förslag till lagändringar som syftar till att utveckla marknaden för elektroniska betalningar och skapa bättre förut- sättningar för säkra och effektiva betalningar. Termen betaltjänst utvid- gas till att omfatta även betalningsinitieringstjänster och kontoinforma- tionstjänster. Tillämpningsområdet utökas i fråga om geografiskt område och valutor. Betaltjänstleverantörer ges rätt till tillgång till betalkonto hos kreditinstituten på objektiva, <NOBR>icke-diskriminerande</NOBR> och proportionella grunder och i den omfattning som krävs för att de effektivt ska kunna tillhandahålla betaltjänster. Det införs även nya bestämmelser som reglerar frågor om säkerhet och hantering av risker.</P>
<P class="p11 ft3">Genom de föreslagna ändringarna genomförs Europaparlamentets och rådets direktiv 2015/2366 av den 25 november 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG.</P>
<P class="p12 ft6">I propositionen föreslås ändringar i lagen (2010:751) om betaltjänster och lagen (2011:755) om elektroniska pengar. Vidare föreslås att lagen (2010:738) om obehöriga transaktioner med betalningsinstrument ska upphöra att gälla och att bestämmelserna i den lagen ska överföras till lagen om betaltjänster. Det föreslås även följdändringar i lagen (1992:160) om utländska filialer m.m., bokföringslagen (1999:1078), lagen (2006:595) om europakooperativ, marknadsföringslagen (2008:486) och lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism.</P>
<P class="p13 ft3">Lagändringarna föreslås träda i kraft den 1 maj 2018.</P>
<P class="p14 ft3">1</P>
</DIV>
<DIV id="page_2">
<DIV>
<DIV id="id_1">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p16 ft3">2</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft1">Innehållsförteckning</P>
<TABLE cellpadding=0 cellspacing=0 class="t1">
<TR>
<TD class="tr1 td4"><P class="p17 ft3">1</P></TD>
<TD colspan=2 class="tr1 td5"><P class="p18 ft5">Förslag till riksdagsbeslut ...............................................................</P></TD>
<TD class="tr1 td6"><P class="p17 ft7">10</P></TD>
</TR>
<TR>
<TD class="tr2 td4"><P class="p17 ft3">2</P></TD>
<TD class="tr2 td5"><P class="p18 ft3">Lagtext</P></TD>
<TD class="tr2 td7"><P class="p17 ft8">............................................................................................</P></TD>
<TD class="tr2 td6"><P class="p17 ft7">11</P></TD>
</TR>
<TR>
<TD class="tr3 td4"><P class="p3 ft2"> </P></TD>
<TD class="tr3 td5"><P class="p18 ft6">2.1</P></TD>
<TD class="tr3 td7"><P class="p3 ft9">Förslag till lag om ändring i lagen (2010:751) om</P></TD>
<TD class="tr3 td6"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td4"><P class="p3 ft10"> </P></TD>
<TD class="tr4 td5"><P class="p17 ft10">......................................................................</P></TD>
<TD class="tr4 td7"><P class="p3 ft9">betaltjänster</P></TD>
<TD class="tr4 td6"><P class="p17 ft10">11</P></TD>
</TR>
</TABLE>
<P class="p19 ft9"><SPAN class="ft10">2.2</SPAN><SPAN class="ft11">Förslag till lag om ändring i lagen (1992:160) om</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t2">
<TR>
<TD class="tr5 td8"><P class="p3 ft9">utländska filialer m.m.......................................................</P></TD>
<TD class="tr5 td6"><P class="p17 ft10">77</P></TD>
</TR>
</TABLE>
<P class="p19 ft9"><SPAN class="ft10">2.3</SPAN><SPAN class="ft11">Förslag till lag om ändring i bokföringslagen</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t3">
<TR>
<TD class="tr6 td8"><P class="p17 ft10">(1999:1078)......................................................................</P></TD>
<TD class="tr6 td6"><P class="p17 ft10">78</P></TD>
</TR>
</TABLE>
<P class="p19 ft9"><SPAN class="ft10">2.4</SPAN><SPAN class="ft11">Förslag till lag om ändring i lagen (2006:595) om</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t4">
<TR>
<TD class="tr7 td8"><P class="p3 ft9">europakooperativ..............................................................</P></TD>
<TD class="tr7 td6"><P class="p17 ft10">80</P></TD>
</TR>
</TABLE>
<P class="p19 ft9"><SPAN class="ft10">2.5</SPAN><SPAN class="ft11">Förslag till lag om ändring i marknadsföringslagen</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t5">
<TR>
<TD class="tr8 td8"><P class="p17 ft10">(2008:486)........................................................................</P></TD>
<TD class="tr8 td6"><P class="p17 ft10">81</P></TD>
</TR>
</TABLE>
<P class="p19 ft9"><SPAN class="ft10">2.6</SPAN><SPAN class="ft11">Förslag till lag om ändring i lagen (2011:755) om</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t6">
<TR>
<TD class="tr9 td8"><P class="p3 ft9">elektroniska pengar ..........................................................</P></TD>
<TD class="tr9 td6"><P class="p17 ft10">83</P></TD>
</TR>
</TABLE>
<P class="p20 ft10"><SPAN class="ft10">2.7</SPAN><SPAN class="ft12">Förslag till lag om ändring i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t7">
<TR>
<TD class="tr10 td4"><P class="p3 ft2"> </P></TD>
<TD class="tr10 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr10 td10"><P class="p17 ft10">terrorism...........................................................................</P></TD>
<TD class="tr10 td6"><P class="p17 ft10">95</P></TD>
</TR>
<TR>
<TD class="tr4 td4"><P class="p17 ft10">3</P></TD>
<TD colspan=2 class="tr4 td5"><P class="p17 ft10">Ärendet och dess beredning............................................................</P></TD>
<TD class="tr4 td6"><P class="p17 ft10">97</P></TD>
</TR>
<TR>
<TD class="tr4 td4"><P class="p17 ft10">4</P></TD>
<TD colspan=2 class="tr4 td5"><P class="p17 ft10">Berörda regelverk och allmänna utgångspunkter............................</P></TD>
<TD class="tr4 td6"><P class="p17 ft10">98</P></TD>
</TR>
<TR>
<TD class="tr4 td4"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td9"><P class="p21 ft10">4.1</P></TD>
<TD class="tr4 td10"><P class="p17 ft10">Bakgrund..........................................................................</P></TD>
<TD class="tr4 td6"><P class="p17 ft10">98</P></TD>
</TR>
</TABLE>
<P class="p19 ft9"><SPAN class="ft10">4.2</SPAN><SPAN class="ft11">Första betaltjänstdirektivet och motsvarande svensk</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t8">
<TR>
<TD class="tr11 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr11 td12"><P class="p3 ft9">reglering</P></TD>
<TD class="tr11 td7"><P class="p17 ft10">...........................................................................</P></TD>
<TD class="tr11 td13"><P class="p17 ft10">99</P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p17 ft10">4.3</P></TD>
<TD colspan=2 class="tr4 td12"><P class="p3 ft9">Andra betaltjänstdirektivet.............................................</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">100</P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td12"><P class="p17 ft10">4.3.1 ..............................................</P></TD>
<TD class="tr4 td7"><P class="p3 ft9">Motiv och syfte</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">100</P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td12"><P class="p17 ft10">4.3.2 ..........................................................</P></TD>
<TD class="tr4 td7"><P class="p3 ft9">Innehåll</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">100</P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td12"><P class="p3 ft9">4.3.3</P></TD>
<TD class="tr4 td7"><P class="p3 ft9">Förhållandet mellan andra</P></TD>
<TD class="tr4 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td12"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td7"><P class="p3 ft9">betaltjänstdirektivet och e -</P></TD>
<TD class="tr4 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td12"><P class="p17 ft10">...........................................</P></TD>
<TD class="tr4 td7"><P class="p3 ft9">penningdirektivet</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">101</P></TD>
</TR>
</TABLE>
<P class="p20 ft10"><SPAN class="ft10">4.4</SPAN><SPAN class="ft12">Rättsakter som antas av kommissionen och riktlinjer och rekommendationer från Europeiska</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t9">
<TR>
<TD class="tr12 td14"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr12 td12"><P class="p17 ft10">bankmyndigheten...........................................................</P></TD>
<TD class="tr12 td13"><P class="p17 ft10">101</P></TD>
</TR>
<TR>
<TD class="tr4 td14"><P class="p17 ft10">4.5</P></TD>
<TD colspan=2 class="tr4 td12"><P class="p17 ft10">Allmänna utgångspunkter...............................................</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">103</P></TD>
</TR>
<TR>
<TD class="tr4 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p22 ft10">4.5.1</P></TD>
<TD class="tr4 td16"><P class="p23 ft10">Ändringar i svensk rätt med anledning av</P></TD>
<TD class="tr4 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td16"><P class="p17 ft10">andra betaltjänstdirektivet .............................</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">103</P></TD>
</TR>
<TR>
<TD class="tr4 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p22 ft10">4.5.2</P></TD>
<TD class="tr4 td16"><P class="p17 ft10">Hänvisningar till <NOBR>EU-rättsakter......................</NOBR></P></TD>
<TD class="tr4 td13"><P class="p17 ft10">104</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr4 td17"><P class="p17 ft10">5 Definitioner...................................................................................</P></TD>
<TD class="tr4 td16"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td13"><P class="p17 ft10">105</P></TD>
</TR>
<TR>
<TD class="tr4 td14"><P class="p17 ft10">5.1</P></TD>
<TD class="tr4 td15"><P class="p17 ft10">Inledning ........................................................................</P></TD>
<TD class="tr4 td16"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td13"><P class="p17 ft10">105</P></TD>
</TR>
</TABLE>
<P class="p19 ft9"><SPAN class="ft10">5.2</SPAN><SPAN class="ft11">Betaltjänst, betalningsinitieringstjänst och</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t10">
<TR>
<TD class="tr13 td11"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr13 td12"><P class="p3 ft9">kontoinformationstjänst..................................................</P></TD>
<TD class="tr13 td13"><P class="p17 ft10">106</P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p17 ft10">5.3</P></TD>
<TD colspan=2 class="tr4 td12"><P class="p3 ft9">Övriga definitioner i betaltjänstlagen.............................</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">111</P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td18"><P class="p3 ft9">5.3.1</P></TD>
<TD class="tr4 td19"><P class="p3 ft9">Kontoförvaltande betaltjänstleverantör .........</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">111</P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td18"><P class="p3 ft9">5.3.2</P></TD>
<TD class="tr4 td19"><P class="p3 ft9">Kontobaserad betalning.................................</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">111</P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td18"><P class="p3 ft9">5.3.3</P></TD>
<TD class="tr4 td19"><P class="p3 ft9">Autentisering.................................................</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">112</P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td18"><P class="p3 ft9">5.3.4</P></TD>
<TD class="tr4 td19"><P class="p3 ft9">Stark kundautentisering.................................</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">113</P></TD>
</TR>
<TR>
<TD class="tr4 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td18"><P class="p3 ft9">5.3.5</P></TD>
<TD class="tr4 td19"><P class="p3 ft9">Personlig behörighetsfunktion.......................</P></TD>
<TD class="tr4 td13"><P class="p17 ft10">114</P></TD>
</TR>
<TR>
<TD class="tr14 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr14 td18"><P class="p24 ft13">5.3.6</P></TD>
<TD class="tr14 td19"><P class="p25 ft14">Känslig betalningsuppgift..............................</P></TD>
<TD class="tr14 td13"><P class="p17 ft15">114</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_3">
<TABLE cellpadding=0 cellspacing=0 class="t11">
<TR>
<TD class="tr1 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td21"><P class="p26 ft3">5.3.7</P></TD>
<TD class="tr1 td22"><P class="p27 ft8">Grupp ...........................................................</P></TD>
<TD class="tr1 td23"><P class="p28 ft3">115</P></TD>
<TD class="tr1 td24"><P class="p25 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td21"><P class="p26 ft3">5.3.8</P></TD>
<TD class="tr15 td22"><P class="p27 ft16">Elektroniskt kommunikationsnät ..................</P></TD>
<TD class="tr15 td23"><P class="p28 ft3">116</P></TD>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td21"><P class="p26 ft6">5.3.9</P></TD>
<TD class="tr16 td22"><P class="p27 ft17">Elektronisk kommunikationstjänst ...............</P></TD>
<TD class="tr16 td23"><P class="p28 ft6">117</P></TD>
<TD class="tr16 td24"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td21"><P class="p26 ft6">5.3.10</P></TD>
<TD class="tr16 td22"><P class="p27 ft18">Inlösen av transaktionsbelopp ......................</P></TD>
<TD class="tr16 td23"><P class="p28 ft6">117</P></TD>
<TD class="tr16 td24"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr17 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr17 td21"><P class="p26 ft3">5.3.11</P></TD>
<TD class="tr17 td22"><P class="p3 ft9">Betalningsinstrument och utgivning av</P></TD>
<TD class="tr17 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr17 td24"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft10"> </P></TD>
<TD class="tr4 td21"><P class="p3 ft10"> </P></TD>
<TD class="tr4 td22"><P class="p27 ft10">betalningsinstrument .....................................</P></TD>
<TD class="tr4 td23"><P class="p28 ft10">118</P></TD>
<TD class="tr4 td24"><P class="p3 ft10"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft10"> </P></TD>
<TD class="tr4 td21"><P class="p3 ft9">5.3.12</P></TD>
<TD class="tr4 td22"><P class="p27 ft10">Kapitalbas .....................................................</P></TD>
<TD class="tr4 td23"><P class="p28 ft10">119</P></TD>
<TD class="tr4 td24"><P class="p3 ft10"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft10"> </P></TD>
<TD class="tr4 td21"><P class="p3 ft9">5.3.13</P></TD>
<TD class="tr4 td22"><P class="p27 ft10">Kreditinstitut .................................................</P></TD>
<TD class="tr4 td23"><P class="p28 ft10">120</P></TD>
<TD class="tr4 td24"><P class="p3 ft10"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft10"> </P></TD>
<TD class="tr4 td21"><P class="p3 ft9">5.3.14</P></TD>
<TD class="tr4 td22"><P class="p27 ft10">Utländskt kreditinstitut .................................</P></TD>
<TD class="tr4 td23"><P class="p28 ft10">120</P></TD>
<TD class="tr4 td24"><P class="p3 ft10"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft10"> </P></TD>
<TD class="tr4 td21"><P class="p3 ft9">5.3.15</P></TD>
<TD class="tr4 td22"><P class="p27 ft10">Obehörig transaktion ....................................</P></TD>
<TD class="tr4 td23"><P class="p28 ft10">121</P></TD>
<TD class="tr4 td24"><P class="p3 ft10"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft10"> </P></TD>
<TD class="tr4 td21"><P class="p3 ft9">5.3.16</P></TD>
<TD class="tr4 td22"><P class="p27 ft10">Säker kommunikation ...................................</P></TD>
<TD class="tr4 td23"><P class="p28 ft10">121</P></TD>
<TD class="tr4 td24"><P class="p3 ft10"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr4 td25"><P class="p27 ft10">6 Tillämpningsområdet ...................................................................</P></TD>
<TD class="tr4 td23"><P class="p28 ft10">122</P></TD>
<TD class="tr4 td24"><P class="p3 ft10"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p17 ft10">6.1</P></TD>
<TD class="tr4 td21"><P class="p3 ft9">Aktörer</P></TD>
<TD class="tr4 td22"><P class="p27 ft10">..........................................................................</P></TD>
<TD class="tr4 td23"><P class="p28 ft10">122</P></TD>
<TD class="tr4 td24"><P class="p3 ft10"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft10"> </P></TD>
<TD class="tr4 td21"><P class="p3 ft9">6.1.1</P></TD>
<TD class="tr4 td22"><P class="p27 ft10">Inledning .......................................................</P></TD>
<TD class="tr4 td23"><P class="p28 ft10">122</P></TD>
<TD class="tr4 td24"><P class="p3 ft10"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft10"> </P></TD>
<TD class="tr4 td21"><P class="p3 ft9">6.1.2</P></TD>
<TD class="tr4 td22"><P class="p27 ft10">Betaltjänstleverantörer ..................................</P></TD>
<TD class="tr4 td23"><P class="p28 ft10">123</P></TD>
<TD class="tr4 td24"><P class="p3 ft10"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft10"> </P></TD>
<TD class="tr4 td21"><P class="p3 ft9">6.1.3 ....................</P></TD>
<TD class="tr4 td22"><P class="p3 ft9">Svenska skeppshypotekskassan</P></TD>
<TD class="tr4 td23"><P class="p28 ft10">123</P></TD>
<TD class="tr4 td24"><P class="p3 ft10"> </P></TD>
</TR>
</TABLE>
<P class="p29 ft9"><SPAN class="ft10">6.2</SPAN><SPAN class="ft19">Geografiska begränsningar och betaltjänster i olika</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t12">
<TR>
<TD class="tr18 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr18 td15"><P class="p3 ft20">valutor............................................................................</P></TD>
<TD class="tr18 td26"><P class="p3 ft2"> </P></TD>
<TD class="tr18 td27"><P class="p17 ft10">124</P></TD>
<TD class="tr18 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.2.1</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Inledning.......................................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">124</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.2.2</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Transaktioner inom EES i en</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">medlemsstats valuta......................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">124</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.2.3</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Transaktioner inom EES i ett tredjelands</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">valuta ...........................................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">125</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.2.4</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Transaktioner där endast en av</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">betaltjänstleverantörerna hör hemma inom</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">EES ...........................................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">126</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p17 ft10">6.3</P></TD>
<TD colspan=2 class="tr4 td29"><P class="p3 ft9">Undantag från tillämpningsområdet..............................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">128</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.3.1</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Inledning.......................................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">128</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.3.2</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Transport av kontanter och</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">uppräkningsverksamhet................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">128</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.3.3</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Betalningsinstrument som används i ett</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">begränsat nätverk..........................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">131</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.3.4</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Betalningstransaktioner via en leverantör</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">av elektroniska kommunikationsnät eller</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">elektroniska kommunikationstjänster...........</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">134</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.3.5</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Tekniska stödtjänster....................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">136</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.3.6</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Information om uttagsavgifter för att</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">automatuttag ska undantas............................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">136</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.3.7</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Betalningstransaktioner genom en</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">handelskommissionär eller handelsagent......</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">137</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p17 ft10">6.4</P></TD>
<TD colspan=2 class="tr4 td29"><P class="p3 ft9">Anmälan om och register över verksamhet som</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr4 td29"><P class="p3 ft9">omfattas av vissa undantag............................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">139</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.4.1</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Anmälan till Finansinspektionen..................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">139</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft9">6.4.2</P></TD>
<TD class="tr4 td26"><P class="p3 ft9">Finansinspektionens register och</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">underrättelse till Europeiska</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td15"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td26"><P class="p3 ft9">bankmyndigheten .........................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">141</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p17 ft10">6.5</P></TD>
<TD colspan=2 class="tr4 td29"><P class="p3 ft9">Tvingande bestämmelser...............................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">142</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr4 td25"><P class="p3 ft9">7 Tredjepartsbetaltjänstleverantörer................................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">144</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td20"><P class="p17 ft10">7.1</P></TD>
<TD class="tr4 td15"><P class="p3 ft20">Inledning........................................................................</P></TD>
<TD class="tr4 td26"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td27"><P class="p17 ft10">144</P></TD>
<TD class="tr4 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr14 td20"><P class="p17 ft13">7.2</P></TD>
<TD colspan=2 class="tr14 td29"><P class="p26 ft14">Leverantörer av betalningsinitieringstjänster ................</P></TD>
<TD class="tr14 td27"><P class="p17 ft13">145</P></TD>
<TD class="tr14 td28"><P class="p17 ft13">3</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_4">
<TABLE cellpadding=0 cellspacing=0 class="t13">
<TR>
<TD class="tr19 td30"><P class="p30 ft7">Prop. 2017/18:77</P></TD>
<TD class="tr19 td31"><P class="p24 ft3">7.2.1</P></TD>
<TD class="tr19 td32"><P class="p31 ft5">Tillståndspliktig verksamhet .........................</P></TD>
<TD class="tr19 td33"><P class="p27 ft7">145</P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p24 ft3">7.2.2</P></TD>
<TD class="tr15 td32"><P class="p31 ft3">Krav på ansvarsförsäkring, startkapital</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">och kapitalbas................................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">146</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.2.3</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Information som ska lämnas i samband</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td32"><P class="p31 ft3">med betalningstransaktioner när det inte</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">finns ett ramavtal...........................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">147</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.2.4</P></TD>
<TD class="tr16 td32"><P class="p31 ft5">Informationsskyldighet vid ramavtal.............</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">151</P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p24 ft3">7.2.5</P></TD>
<TD class="tr15 td32"><P class="p31 ft7">Godkännande av betalningstransaktion.........</P></TD>
<TD class="tr15 td33"><P class="p17 ft3">152</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.2.6</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Rätt att använda sig av</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">betalningsinitieringstjänster...........................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">153</P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p24 ft3">7.2.7</P></TD>
<TD class="tr15 td32"><P class="p31 ft3">Skyldigheter för leverantören av</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">betalningsinitieringstjänster...........................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">154</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.2.8</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Den kontoförvaltande</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td32"><P class="p31 ft7">betaltjänstleverantörens skyldigheter ............</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">156</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.2.9</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Åtkomst till betalkonto för leverantörer av</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">betalningsinitieringstjänster...........................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">157</P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p24 ft3">7.2.10</P></TD>
<TD class="tr15 td32"><P class="p31 ft3">Möjlighet att vägra en betalningsorder</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">som inte strider mot ramavtalet.....................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">161</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.2.11</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Underrättelse vid vägran att initiera en</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td32"><P class="p31 ft5">betalningstransaktion.....................................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">162</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.2.12</P></TD>
<TD class="tr16 td32"><P class="p31 ft5">Återkallelse av en betalningsorder ................</P></TD>
<TD class="tr16 td33"><P class="p17 ft6">163</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.2.13</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Styrkande av att en betalningstransaktion</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td32"><P class="p31 ft5">har godkänts och genomförts korrekt............</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">164</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.2.14</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Ansvar för obehöriga</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">betalningstransaktioner..................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">166</P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p24 ft3">7.2.15</P></TD>
<TD class="tr15 td32"><P class="p31 ft3">Ansvar för uteblivet, bristfälligt eller</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft6">försenat genomförande av en</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">betalningstransaktion.....................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">167</P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p24 ft3">7.2.16</P></TD>
<TD class="tr15 td32"><P class="p31 ft5">Underrättelse och rättelse i samband med</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">felaktiga betalningar......................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">169</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p17 ft6">7.3</P></TD>
<TD colspan=2 class="tr16 td12"><P class="p24 ft5">Leverantörer av kontoinformationstjänster ....................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">170</P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p24 ft3">7.3.1</P></TD>
<TD class="tr15 td32"><P class="p31 ft3">Undantag från tillståndsplikt och krav på</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">ansvarsförsäkring...........................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">170</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.3.2</P></TD>
<TD class="tr16 td32"><P class="p31 ft5">Undantag från vissa krav i direktivet.............</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">173</P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p24 ft3">7.3.3</P></TD>
<TD class="tr15 td32"><P class="p31 ft3">Rätt att tillhandahålla närliggande tjänster</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft6">och tillhandahålla</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft7">kontoinformationstjänster i andra länder.......</P></TD>
<TD class="tr16 td33"><P class="p17 ft6">177</P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p24 ft3">7.3.4</P></TD>
<TD class="tr15 td32"><P class="p31 ft3">Informationskrav vid utförandet av</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">enstaka tjänster..............................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">180</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.3.5</P></TD>
<TD class="tr16 td32"><P class="p31 ft5">Informationskrav vid ramavtal ......................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">182</P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p24 ft3">7.3.6</P></TD>
<TD class="tr15 td32"><P class="p31 ft5">Avgifter för information................................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">184</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.3.7</P></TD>
<TD class="tr16 td32"><P class="p31 ft5">Bevisbörda för informationsgivning..............</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">185</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.3.8</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Rätt att använda</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td32"><P class="p31 ft5">kontoinformationstjänster..............................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">185</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.3.9</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Skyldigheter och tillgång till information</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft6">för leverantören av</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td30"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td32"><P class="p31 ft5">kontoinformationstjänster..............................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">186</P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p24 ft6">7.3.10</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Den kontoförvaltande</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td30"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft7">betaltjänstleverantörens skyldigheter ............</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">190</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr0 td30"><P class="p32 ft3">4</P></TD>
<TD class="tr20 td31"><P class="p24 ft3">7.3.11</P></TD>
<TD class="tr20 td32"><P class="p31 ft5">Möjlighet att vägra tillträde till betalkonto....</P></TD>
<TD class="tr20 td33"><P class="p27 ft7">191</P></TD>
</TR>
<TR>
<TD class="tr21 td31"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td32"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td33"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_5">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t14">
<TR>
<TD class="tr2 td4"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td35"><P class="p26 ft3">7.3.12</P></TD>
<TD class="tr2 td36"><P class="p33 ft5">Övriga tillämpliga bestämmelser för</P></TD>
<TD class="tr2 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td4"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td35"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td36"><P class="p27 ft5">leverantörer av kontoinformationstjänster....</P></TD>
<TD class="tr20 td27"><P class="p17 ft3">192</P></TD>
</TR>
<TR>
<TD class="tr2 td4"><P class="p17 ft3">8</P></TD>
<TD colspan=3 class="tr2 td37"><P class="p27 ft5">Obehöriga transaktioner...............................................................</P></TD>
<TD class="tr2 td27"><P class="p17 ft3">193</P></TD>
</TR>
<TR>
<TD class="tr21 td4"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td34"><P class="p17 ft23">8.1</P></TD>
<TD class="tr21 td35"><P class="p26 ft23">Inledning</P></TD>
<TD class="tr21 td36"><P class="p27 ft24">........................................................................</P></TD>
<TD class="tr21 td27"><P class="p17 ft23">193</P></TD>
</TR>
</TABLE>
<P class="p34 ft3"><SPAN class="ft5">8.2</SPAN><SPAN class="ft25">Reglerna i andra betaltjänstdirektivet bör</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t15">
<TR>
<TD class="tr16 td38"><P class="p3 ft5">genomföras i betaltjänstlagen........................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">194</P></TD>
</TR>
</TABLE>
<P class="p34 ft6"><SPAN class="ft5">8.3</SPAN><SPAN class="ft26">Skyldigheter vid utgivning och användning av</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t16">
<TR>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td29"><P class="p26 ft5">betalningsinstrument .....................................................</P></TD>
<TD class="tr15 td27"><P class="p17 ft3">198</P></TD>
</TR>
<TR>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td18"><P class="p26 ft3">8.3.1</P></TD>
<TD class="tr15 td39"><P class="p25 ft3">Villkor för utgivning och användning av</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft5">betalningsinstrument.....................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">198</P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p26 ft6">8.3.2</P></TD>
<TD class="tr16 td39"><P class="p25 ft6">Skyldigheter avseende</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td18"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td39"><P class="p25 ft5">betalningsinstrument .....................................</P></TD>
<TD class="tr15 td27"><P class="p17 ft3">199</P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p26 ft6">8.3.3</P></TD>
<TD class="tr16 td39"><P class="p25 ft6">Avgifter som får belasta</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft6">betaltjänstanvändaren vid förlust av</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td18"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td39"><P class="p25 ft3">betalningsinstrument eller en obehörig</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft5">transaktion ....................................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">200</P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p17 ft5">8.4</P></TD>
<TD colspan=2 class="tr16 td29"><P class="p26 ft5">Ansvar vid obehöriga transaktioner...............................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">201</P></TD>
</TR>
<TR>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td18"><P class="p26 ft3">8.4.1</P></TD>
<TD class="tr15 td39"><P class="p25 ft3">Betaltjänstleverantörens ansvar att</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft6">återställa den drabbade kontohavarens</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft5">konto ...........................................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">201</P></TD>
</TR>
<TR>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td18"><P class="p26 ft3">8.4.2</P></TD>
<TD class="tr15 td39"><P class="p25 ft5">Valuteringsdag vid återställande av kontot...</P></TD>
<TD class="tr15 td27"><P class="p17 ft3">203</P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p26 ft6">8.4.3</P></TD>
<TD class="tr16 td39"><P class="p25 ft6">Ansvar när den obehöriga transaktionen</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft6">initierats av en leverantör av</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td18"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td39"><P class="p25 ft5">betalningsinitieringstjänster..........................</P></TD>
<TD class="tr15 td27"><P class="p17 ft3">204</P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p26 ft6">8.4.4</P></TD>
<TD class="tr16 td39"><P class="p25 ft6">Kontohavarens ansvar vid obehöriga</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft6">transaktioner till följd av att kontohavaren</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td18"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td39"><P class="p25 ft3">inte har skyddat sin personliga</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft5">behörighetsfunktion......................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">204</P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p26 ft6">8.4.5</P></TD>
<TD class="tr16 td39"><P class="p25 ft6">Kontohavarens ansvar vid grovt</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td18"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td39"><P class="p25 ft3">oaktsamma överträdelser av</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft6">förpliktelserna vid användning av</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft5">betalningsinstrument.....................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">206</P></TD>
</TR>
<TR>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td18"><P class="p26 ft3">8.4.6</P></TD>
<TD class="tr15 td39"><P class="p25 ft3">Ansvaret när stark kundautentisering inte</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft5">har använts....................................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">207</P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p26 ft6">8.4.7</P></TD>
<TD class="tr16 td39"><P class="p25 ft5">Ansvar efter spärranmälan............................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">209</P></TD>
</TR>
<TR>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td18"><P class="p26 ft3">8.4.8</P></TD>
<TD class="tr15 td39"><P class="p25 ft3">Underrättelse och rättelse vid obehöriga</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft6">transaktioner och kontohavarens ansvar</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td39"><P class="p25 ft6">för annan behörig persons hantering av</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td18"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td39"><P class="p25 ft5">betalningsinstrument.....................................</P></TD>
<TD class="tr20 td27"><P class="p17 ft3">210</P></TD>
</TR>
</TABLE>
<P class="p35 ft3"><SPAN class="ft3">9</SPAN><SPAN class="ft27">Tillträde till betalningssystem och tillgång till</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t17">
<TR>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td40"><P class="p27 ft5">betalkontotjänster hos kreditinstitut.............................................</P></TD>
<TD class="tr20 td27"><P class="p17 ft3">211</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p36 ft6">9.1</P></TD>
<TD colspan=2 class="tr16 td41"><P class="p27 ft5">Tillträde till betalningssystem .......................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">211</P></TD>
</TR>
<TR>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p36 ft3">9.2</P></TD>
<TD colspan=2 class="tr20 td41"><P class="p27 ft3">Tillgång till betalkontotjänster hos kreditinstitut...........</P></TD>
<TD class="tr20 td27"><P class="p17 ft3">215</P></TD>
</TR>
<TR>
<TD class="tr22 td6"><P class="p17 ft7">10</P></TD>
<TD colspan=3 class="tr22 td40"><P class="p27 ft5">Avgifter för betaltjänster och förbud mot vissa avgifter..............</P></TD>
<TD class="tr22 td27"><P class="p17 ft3">219</P></TD>
</TR>
<TR>
<TD class="tr22 td6"><P class="p17 ft7">11</P></TD>
<TD colspan=3 class="tr22 td40"><P class="p27 ft5">Operativa risker, säkerhetsrisker och autentisering......................</P></TD>
<TD class="tr22 td27"><P class="p17 ft3">223</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p36 ft5">11.1</P></TD>
<TD class="tr16 td10"><P class="p37 ft6">Inledning</P></TD>
<TD class="tr16 td22"><P class="p27 ft8">........................................................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">223</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p36 ft5">11.2</P></TD>
<TD colspan=2 class="tr16 td41"><P class="p27 ft6">Hantering av operativa risker och säkerhetsrisker.........</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">223</P></TD>
</TR>
<TR>
<TD class="tr23 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr23 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr23 td10"><P class="p37 ft3">11.2.1</P></TD>
<TD class="tr23 td22"><P class="p3 ft9">Skyldighet att ha system för hantering av</P></TD>
<TD class="tr23 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr14 td6"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td23"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td10"><P class="p17 ft13">...........................................................</P></TD>
<TD class="tr14 td22"><P class="p3 ft9">risker</P></TD>
<TD class="tr14 td27"><P class="p17 ft13">223</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft9">Prop. 2017/18:77</P>
<P class="p38 ft9">5</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_6">
<TABLE cellpadding=0 cellspacing=0 class="t13">
<TR>
<TD class="tr19 td42"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td43"><P class="p37 ft3">11.2.2</P></TD>
<TD class="tr19 td16"><P class="p3 ft3">Skyldighet att rapportera om risker och</P></TD>
<TD class="tr19 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td16"><P class="p3 ft5">åtgärder..........................................................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">224</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p39 ft7">11.3</P></TD>
<TD colspan=2 class="tr16 td44"><P class="p37 ft5">Incidentrapportering.......................................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">226</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">11.3.1</P></TD>
<TD class="tr16 td16"><P class="p3 ft6">Skyldighet att rapportera allvarliga</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td16"><P class="p3 ft5">incidenter.......................................................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">226</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">11.3.2</P></TD>
<TD class="tr16 td16"><P class="p3 ft6">Finansinspektionens skyldigheter i</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td16"><P class="p3 ft5">samband med allvarliga incidenter................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">228</P></TD>
</TR>
<TR>
<TD class="tr20 td42"><P class="p39 ft7">11.4</P></TD>
<TD colspan=2 class="tr20 td44"><P class="p37 ft5">Autentisering..................................................................</P></TD>
<TD class="tr20 td33"><P class="p27 ft7">229</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr2 td45"><P class="p40 ft5">12 Alternativ tvistlösning, tillsyn och sanktioner...............................</P></TD>
<TD class="tr2 td33"><P class="p27 ft7">235</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p39 ft7">12.1</P></TD>
<TD colspan=2 class="tr16 td44"><P class="p37 ft5">Klagomål och alternativ tvistlösning..............................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">235</P></TD>
</TR>
<TR>
<TD class="tr20 td42"><P class="p39 ft7">12.2</P></TD>
<TD colspan=2 class="tr20 td44"><P class="p37 ft5">Behöriga myndigheter, tillsyn och sanktioner................</P></TD>
<TD class="tr20 td33"><P class="p27 ft7">239</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr24 td45"><P class="p40 ft3">13 Verksamhet över gränserna och tillhandahållande av</P></TD>
<TD class="tr24 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td45"><P class="p39 ft5">betaltjänster genom ombud eller filial i Sverige ...........................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">243</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p39 ft7">13.1</P></TD>
<TD colspan=2 class="tr16 td44"><P class="p37 ft6">Uppdragsavtal och tillhandahållande av tjänster</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td44"><P class="p37 ft6">genom ombud i Sverige eller ett annat land inom</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p37 ft8">EES.................................................................................</P></TD>
<TD class="tr15 td16"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p27 ft7">243</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.1.1</P></TD>
<TD class="tr16 td16"><P class="p3 ft5">Inledning........................................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">243</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.1.2</P></TD>
<TD class="tr16 td16"><P class="p3 ft6">Uppgifter som ska lämnas till</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td16"><P class="p3 ft3">Finansinspektionen när betaltjänster ska</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td16"><P class="p3 ft5">tillhandahållas genom ombud........................</P></TD>
<TD class="tr16 td33"><P class="p17 ft6">244</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.1.3</P></TD>
<TD class="tr16 td16"><P class="p3 ft6">Tid för Finansinspektionens registrering</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td16"><P class="p3 ft5">av ombud.......................................................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">245</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.1.4</P></TD>
<TD class="tr16 td16"><P class="p3 ft6">Underrättelser om ändringar i</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td16"><P class="p3 ft5">verksamheten.................................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">245</P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p39 ft7">13.2</P></TD>
<TD colspan=2 class="tr15 td44"><P class="p37 ft5">Verksamhet över gränserna............................................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">246</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.2.1</P></TD>
<TD class="tr16 td16"><P class="p3 ft5">Inledning........................................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">246</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.2.2</P></TD>
<TD class="tr16 td16"><P class="p3 ft6">Uppgifter som ska lämnas till</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td16"><P class="p3 ft3">Finansinspektionen när betaltjänster ska</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td16"><P class="p3 ft7">tillhandahållas i ett annat land inom EES......</P></TD>
<TD class="tr16 td33"><P class="p17 ft6">247</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.2.3</P></TD>
<TD class="tr16 td16"><P class="p3 ft6">Anmälan till Finansinspektionen när</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td16"><P class="p3 ft5">verksamhet i ett annat land inom EES ska</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td16"><P class="p3 ft5">utkontrakteras................................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">251</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.2.4</P></TD>
<TD class="tr16 td16"><P class="p3 ft6">Utbyte av information mellan</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td16"><P class="p3 ft3">Finansinspektionen och behöriga</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td16"><P class="p3 ft5">myndigheter i andra länder inom EES...........</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">252</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.2.5</P></TD>
<TD class="tr16 td16"><P class="p3 ft6">Vägran att registrera ett ombud eller en</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td16"><P class="p3 ft5">filial i annat land inom land...........................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">254</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.2.6</P></TD>
<TD class="tr16 td16"><P class="p3 ft6">Tidpunkt för registreringsbeslut och rätt</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td16"><P class="p3 ft5">att inleda verksamhet.....................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">256</P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p37 ft3">13.2.7</P></TD>
<TD class="tr15 td16"><P class="p3 ft3">Skyldighet att lämna underrättelse om</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td16"><P class="p3 ft5">ändringar i verksamheten ..............................</P></TD>
<TD class="tr16 td33"><P class="p17 ft6">258</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p39 ft7">13.3</P></TD>
<TD colspan=2 class="tr16 td44"><P class="p37 ft6">Tillsyn när verksamhet drivs i ett annat land inom</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p37 ft8">EES.................................................................................</P></TD>
<TD class="tr15 td16"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p27 ft7">259</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.3.1</P></TD>
<TD class="tr16 td16"><P class="p3 ft5">Inledning........................................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">259</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.3.2</P></TD>
<TD class="tr16 td16"><P class="p3 ft5">Skyldighet för utländska företag att lämna</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td16"><P class="p3 ft5">uppgifter till Finansinspektionen...................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">259</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p37 ft6">13.3.3</P></TD>
<TD class="tr16 td16"><P class="p3 ft6">Central kontaktpunkt när verksamhet</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td16"><P class="p3 ft5">drivs genom ombud.......................................</P></TD>
<TD class="tr20 td33"><P class="p27 ft7">261</P></TD>
</TR>
<TR>
<TD class="tr25 td42"><P class="p41 ft3">6</P></TD>
<TD class="tr25 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr25 td16"><P class="p3 ft2"> </P></TD>
<TD class="tr25 td33"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_7">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t14">
<TR>
<TD class="tr2 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td47"><P class="p37 ft3">13.3.4</P></TD>
<TD class="tr2 td26"><P class="p3 ft3">Information till behöriga myndigheter i</P></TD>
<TD class="tr2 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td47"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td26"><P class="p3 ft3">hemlandet när ett utländskt företag brutit</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td26"><P class="p3 ft5">mot betaltjänstlagen......................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">262</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td47"><P class="p37 ft6">13.3.5</P></TD>
<TD class="tr16 td26"><P class="p3 ft5">Åtgärder om ett svenskt betalningsinstitut</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td47"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td26"><P class="p3 ft3">överträtt föreskrifter som gäller för</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td26"><P class="p3 ft6">institutets verksamhet i ett annat land</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td26"><P class="p3 ft5">inom EES......................................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">263</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td47"><P class="p37 ft3">13.3.6</P></TD>
<TD class="tr15 td26"><P class="p3 ft3">Möjlighet för Finansinspektionen att vidta</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td26"><P class="p3 ft6">säkerhetsåtgärder samt samarbete och</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td26"><P class="p3 ft6">informationsutbyte med utländska</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td26"><P class="p3 ft5">myndigheter..................................................</P></TD>
<TD class="tr20 td27"><P class="p17 ft3">265</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td48"><P class="p3 ft28">14 Övriga frågor................................................................................</P></TD>
<TD class="tr2 td26"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td27"><P class="p17 ft3">267</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p17 ft6">14.1</P></TD>
<TD colspan=2 class="tr16 td41"><P class="p37 ft5">Ägarprövning och krav på företagets ledning ...............</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">267</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p17 ft6">14.2</P></TD>
<TD colspan=2 class="tr16 td41"><P class="p37 ft5">Skyddskrav....................................................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">270</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p17 ft6">14.3</P></TD>
<TD colspan=2 class="tr16 td41"><P class="p37 ft5">Registerfrågor................................................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">271</P></TD>
</TR>
</TABLE>
<P class="p34 ft6"><SPAN class="ft5">14.4</SPAN><SPAN class="ft29">Betalningstransaktioner där transaktionsbeloppet</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t15">
<TR>
<TD class="tr15 td38"><P class="p3 ft5">inte är känt i förväg .......................................................</P></TD>
<TD class="tr15 td27"><P class="p17 ft3">272</P></TD>
</TR>
</TABLE>
<P class="p34 ft6"><SPAN class="ft5">14.5</SPAN><SPAN class="ft29">Besked om tillgängliga medel på betalarens</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t15">
<TR>
<TD class="tr16 td38"><P class="p3 ft5">betalkonto......................................................................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">275</P></TD>
</TR>
</TABLE>
<P class="p34 ft3"><SPAN class="ft5">14.6</SPAN><SPAN class="ft30">Återbetalning av betalningstransaktioner som</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t15">
<TR>
<TD class="tr16 td38"><P class="p3 ft5">initierats av eller via en betalningsmottagare ................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">278</P></TD>
</TR>
</TABLE>
<P class="p34 ft6"><SPAN class="ft5">14.7</SPAN><SPAN class="ft29">Tidpunkt för när medel ska finnas tillgängliga för</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t18">
<TR>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td49"><P class="p36 ft5">betalningsmottagaren.....................................................</P></TD>
<TD class="tr15 td27"><P class="p17 ft3">281</P></TD>
</TR>
<TR>
<TD class="tr16 td23"><P class="p42 ft5">14.8</P></TD>
<TD class="tr16 td49"><P class="p36 ft5">Felaktiga unika identifikationskoder .............................</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">284</P></TD>
</TR>
</TABLE>
<P class="p34 ft6"><SPAN class="ft5">14.9</SPAN><SPAN class="ft29">Valuteringsdag och ansvar vid felaktigt genomförda</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t19">
<TR>
<TD class="tr15 td50"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td51"><P class="p27 ft5">betalningstransaktioner..................................................</P></TD>
<TD class="tr15 td27"><P class="p17 ft3">285</P></TD>
</TR>
<TR>
<TD class="tr26 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr26 td52"><P class="p18 ft3">14.9.1</P></TD>
<TD class="tr26 td22"><P class="p3 ft9">Betalningstransaktioner som har initierats</P></TD>
<TD class="tr26 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td52"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td22"><P class="p3 ft9">av betalaren men inte genomförts eller</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td52"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td22"><P class="p27 ft10">genomförts bristfälligt ..................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">285</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td52"><P class="p3 ft9">14.9.2</P></TD>
<TD class="tr4 td22"><P class="p3 ft9">Betalningstransaktioner som initieras av</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td52"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td22"><P class="p3 ft9">eller via betalningsmottagaren men inte</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td52"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td22"><P class="p27 ft10">genomförts eller genomförts bristfälligt .......</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">287</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft9">14.10</P></TD>
<TD colspan=2 class="tr4 td51"><P class="p27 ft10">Rätt till återkrav.............................................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">289</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft9">14.11</P></TD>
<TD class="tr4 td52"><P class="p43 ft10">Ramavtal</P></TD>
<TD class="tr4 td22"><P class="p27 ft10">........................................................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">290</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td52"><P class="p3 ft9">14.11.1</P></TD>
<TD class="tr4 td22"><P class="p3 ft9">Information i samband med ingående av</P></TD>
<TD class="tr4 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td52"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td22"><P class="p27 ft10">ramavtal ........................................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">290</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td52"><P class="p3 ft9">14.11.2</P></TD>
<TD class="tr4 td22"><P class="p27 ft10">Ändringar av villkoren enligt ramavtalet ......</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">292</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr4 td52"><P class="p3 ft9">14.11.3 ...............................</P></TD>
<TD class="tr4 td22"><P class="p3 ft9">Uppsägning av ramavtal</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">293</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft9">14.12</P></TD>
<TD colspan=2 class="tr4 td51"><P class="p27 ft10">Information ...............................om avgifter i vissa fall</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">294</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft9">14.13</P></TD>
<TD colspan=2 class="tr4 td51"><P class="p27 ft10">Information ....................i samband med valutaväxling</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">295</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft9">14.14</P></TD>
<TD colspan=2 class="tr4 td51"><P class="p27 ft10">Behandling ......................................av personuppgifter</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">296</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft9">14.15</P></TD>
<TD colspan=2 class="tr4 td51"><P class="p27 ft10">Information .........................................till konsumenter</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">298</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft9">14.16</P></TD>
<TD colspan=2 class="tr4 td51"><P class="p27 ft10">Lösande av ..........tvister mellan behöriga myndigheter</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">300</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft9">14.17</P></TD>
<TD colspan=2 class="tr4 td51"><P class="p27 ft10">Några redovisningsfrågor..............................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">301</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft9">14.18</P></TD>
<TD colspan=2 class="tr4 td51"><P class="p27 ft10">Ändringar .....................i lagen om elektroniska pengar</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">302</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr4 td25"><P class="p27 ft10">15 Ikraftträdande- och ................................övergångsbestämmelser</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">305</P></TD>
</TR>
<TR>
<TD class="tr4 td50"><P class="p3 ft9">15.1</P></TD>
<TD colspan=2 class="tr4 td51"><P class="p27 ft10">Ikraftträdande ................................................................</P></TD>
<TD class="tr4 td27"><P class="p17 ft10">305</P></TD>
</TR>
<TR>
<TD class="tr14 td50"><P class="p37 ft13">15.2</P></TD>
<TD colspan=2 class="tr14 td51"><P class="p27 ft14">Övergångsbestämmelser................................................</P></TD>
<TD class="tr14 td27"><P class="p17 ft13">308</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft9">Prop. 2017/18:77</P>
<P class="p38 ft9">7</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_8">
<DIV>
<DIV id="id_1">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p16 ft3">8</P>
</DIV>
<DIV id="id_2">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr2 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td53"><P class="p37 ft3">15.2.1</P></TD>
<TD class="tr2 td32"><P class="p31 ft3">Betaltjänstleverantörer som driver</P></TD>
<TD class="tr2 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td53"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td32"><P class="p31 ft3">verksamhet med stöd av gällande</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td53"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">reglering ........................................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">308</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td53"><P class="p37 ft6">15.2.2</P></TD>
<TD class="tr16 td32"><P class="p31 ft5">Tredjepartsbetaltjänstleverantörer .................</P></TD>
<TD class="tr16 td33"><P class="p17 ft6">313</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td53"><P class="p37 ft3">15.2.3</P></TD>
<TD class="tr15 td32"><P class="p31 ft5">Uppräkningsverksamhet................................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">315</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td53"><P class="p37 ft6">15.2.4</P></TD>
<TD class="tr16 td32"><P class="p31 ft5">Befintliga avtal..............................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">316</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td53"><P class="p37 ft6">15.2.5</P></TD>
<TD class="tr16 td32"><P class="p31 ft5">Lagen om elektroniska pengar.......................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">318</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td53"><P class="p37 ft3">15.2.6</P></TD>
<TD class="tr15 td32"><P class="p31 ft3">Lagen om europakooperativ och</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td53"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td32"><P class="p31 ft5">penningtvättslagen.........................................</P></TD>
<TD class="tr20 td33"><P class="p27 ft7">320</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr24 td5"><P class="p3 ft5">16 Förslagens konsekvenser ..............................................................</P></TD>
<TD class="tr24 td33"><P class="p27 ft7">320</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p17 ft6">16.1</P></TD>
<TD colspan=2 class="tr16 td44"><P class="p37 ft5">Förslagens syfte och alternativa lösningar......................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">320</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p17 ft3">16.2</P></TD>
<TD colspan=2 class="tr15 td44"><P class="p37 ft5">Berörda företag och andra aktörer..................................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">321</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p17 ft6">16.3</P></TD>
<TD colspan=2 class="tr16 td44"><P class="p37 ft5">Konsekvenser för företagen............................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">322</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td53"><P class="p37 ft6">16.3.1</P></TD>
<TD class="tr16 td32"><P class="p31 ft5">Inledning........................................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">322</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td53"><P class="p37 ft3">16.3.2</P></TD>
<TD class="tr15 td32"><P class="p31 ft3">Aktörer som kommer att omfattas av ett</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td53"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">tillståndskrav eller krav på registrering .........</P></TD>
<TD class="tr16 td33"><P class="p17 ft6">322</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td53"><P class="p37 ft6">16.3.3</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Krav på hantering av risker och</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td53"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td32"><P class="p31 ft5">kommunikation..............................................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">324</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td53"><P class="p37 ft6">16.3.4</P></TD>
<TD class="tr16 td32"><P class="p31 ft6">Konsekvenser för kontoförvaltande</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td53"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td32"><P class="p31 ft5">betaltjänstleverantörer ...................................</P></TD>
<TD class="tr16 td33"><P class="p27 ft7">326</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td53"><P class="p37 ft3">16.3.5</P></TD>
<TD class="tr15 td32"><P class="p31 ft5">Konsekvenser för små företag.......................</P></TD>
<TD class="tr15 td33"><P class="p27 ft7">327</P></TD>
</TR>
<TR>
<TD class="tr21 td46"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td53"><P class="p37 ft23">16.3.6</P></TD>
<TD class="tr21 td32"><P class="p31 ft7">Påverkan på konkurrensförhållanden ............</P></TD>
<TD class="tr21 td33"><P class="p17 ft23">327</P></TD>
</TR>
</TABLE>
<P class="p44 ft3"><SPAN class="ft7">16.4</SPAN><SPAN class="ft30">Konsekvenser för Finansinspektionen,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t21">
<TR>
<TD class="tr16 td54"><P class="p3 ft5">Konkurrensverket och Riksbanken.................................</P></TD>
<TD class="tr16 td13"><P class="p17 ft7">328</P></TD>
</TR>
</TABLE>
<P class="p44 ft6"><SPAN class="ft7">16.5</SPAN><SPAN class="ft29">Konsekvenser för domstolarna och Allmänna</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t22">
<TR>
<TD class="tr15 td55"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td56"><P class="p17 ft5">reklamationsnämnden.....................................................</P></TD>
<TD class="tr15 td13"><P class="p17 ft7">328</P></TD>
</TR>
<TR>
<TD class="tr20 td55"><P class="p42 ft3">16.6</P></TD>
<TD class="tr20 td56"><P class="p17 ft5">Samhällsekonomiska konsekvenser ...............................</P></TD>
<TD class="tr20 td13"><P class="p17 ft7">329</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr24 td5"><P class="p17 ft5">17 Författningskommentar.................................................................</P></TD>
<TD class="tr24 td13"><P class="p17 ft7">330</P></TD>
</TR>
</TABLE>
<P class="p44 ft6"><SPAN class="ft7">17.1</SPAN><SPAN class="ft29">Förslaget till lag om ändring i lagen (2010:751) om</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t21">
<TR>
<TD class="tr16 td54"><P class="p3 ft5">betaltjänster ....................................................................</P></TD>
<TD class="tr16 td13"><P class="p17 ft7">330</P></TD>
</TR>
</TABLE>
<P class="p44 ft3"><SPAN class="ft7">17.2</SPAN><SPAN class="ft30">Förslaget till lag om ändring i lagen (1992:160) om</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t21">
<TR>
<TD class="tr16 td54"><P class="p3 ft5">utländska filialer m.m.....................................................</P></TD>
<TD class="tr16 td13"><P class="p17 ft7">382</P></TD>
</TR>
</TABLE>
<P class="p44 ft6"><SPAN class="ft7">17.3</SPAN><SPAN class="ft29">Förslaget till lag om ändring i bokföringslagen</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t21">
<TR>
<TD class="tr15 td54"><P class="p17 ft5">(1999:1078)....................................................................</P></TD>
<TD class="tr15 td13"><P class="p17 ft7">382</P></TD>
</TR>
</TABLE>
<P class="p44 ft6"><SPAN class="ft7">17.4</SPAN><SPAN class="ft29">Förslaget till lag om ändring i lagen (2006:595) om</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t21">
<TR>
<TD class="tr16 td54"><P class="p3 ft5">europakooperativ............................................................</P></TD>
<TD class="tr16 td13"><P class="p17 ft7">383</P></TD>
</TR>
</TABLE>
<P class="p44 ft3"><SPAN class="ft7">17.5</SPAN><SPAN class="ft30">Förslaget till lag om ändring i marknadsföringslagen</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t21">
<TR>
<TD class="tr16 td54"><P class="p17 ft5">(2008:486)......................................................................</P></TD>
<TD class="tr16 td13"><P class="p17 ft7">383</P></TD>
</TR>
</TABLE>
<P class="p44 ft6"><SPAN class="ft7">17.6</SPAN><SPAN class="ft29">Förslaget till lag om ändring i lagen (2011:755) om</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t21">
<TR>
<TD class="tr15 td54"><P class="p3 ft5">elektroniska pengar ........................................................</P></TD>
<TD class="tr15 td13"><P class="p17 ft7">383</P></TD>
</TR>
</TABLE>
<P class="p44 ft6"><SPAN class="ft7">17.7</SPAN><SPAN class="ft29">Förslaget till lag om ändring i lagen (2017:630) om</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t14">
<TR>
<TD class="tr15 td57"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td54"><P class="p3 ft3">åtgärder mot penningtvätt och finansiering av</P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td57"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td54"><P class="p3 ft5">terrorism.........................................................................</P></TD>
<TD class="tr20 td13"><P class="p17 ft7">389</P></TD>
</TR>
<TR>
<TD class="tr2 td57"><P class="p3 ft3">Bilaga 1</P></TD>
<TD class="tr2 td54"><P class="p3 ft3">Europaparlamentets och rådets direktiv (EU)</P></TD>
<TD class="tr2 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td57"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td54"><P class="p3 ft6">2015/2366 av den 25 november 2015 om</P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td57"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td54"><P class="p3 ft6">betaltjänster på den inre marknaden, om ändring av</P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td57"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td54"><P class="p3 ft3">direktiven 2002/65/EG, 2009/110/EG och</P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td57"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td54"><P class="p3 ft6">2013/36/EU samt förordning (EU) nr 1093/2010 och</P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td57"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td54"><P class="p3 ft5">om upphävande av direktiv 2007/64/EG........................</P></TD>
<TD class="tr20 td13"><P class="p17 ft7">390</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_9">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t14">
<TR>
<TD class="tr2 td57"><P class="p3 ft3">Bilaga 2</P></TD>
<TD class="tr2 td38"><P class="p3 ft3">Sammanfattning av betänkandet Betaltjänster,</P></TD>
<TD class="tr2 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td57"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td38"><P class="p3 ft3">förmedlingsavgifter och grundläggande betalkonton</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td57"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td38"><P class="p3 ft5">(SOU 2016:53)..............................................................</P></TD>
<TD class="tr20 td27"><P class="p17 ft3">483</P></TD>
</TR>
<TR>
<TD class="tr24 td57"><P class="p3 ft3">Bilaga 3</P></TD>
<TD class="tr24 td38"><P class="p3 ft3">Lagförslag i betänkandet Betaltjänster,</P></TD>
<TD class="tr24 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td57"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td38"><P class="p3 ft6">förmedlingsavgifter och grundläggande betalkonton</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td57"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td38"><P class="p3 ft5">(SOU 2016:53)..............................................................</P></TD>
<TD class="tr20 td27"><P class="p17 ft3">489</P></TD>
</TR>
<TR>
<TD class="tr22 td57"><P class="p3 ft3">Bilaga 4</P></TD>
<TD class="tr22 td38"><P class="p3 ft5">Förteckning över remissinstanserna ..............................</P></TD>
<TD class="tr22 td27"><P class="p17 ft3">563</P></TD>
</TR>
<TR>
<TD class="tr19 td57"><P class="p3 ft3">Bilaga 5</P></TD>
<TD class="tr19 td38"><P class="p3 ft5">Lagrådsremissens lagförslag .........................................</P></TD>
<TD class="tr19 td27"><P class="p17 ft3">564</P></TD>
</TR>
<TR>
<TD class="tr19 td57"><P class="p3 ft3">Bilaga 6</P></TD>
<TD class="tr19 td38"><P class="p3 ft5">Lagrådets yttrande.........................................................</P></TD>
<TD class="tr19 td27"><P class="p17 ft3">647</P></TD>
</TR>
<TR>
<TD class="tr22 td57"><P class="p3 ft3">Bilaga 7</P></TD>
<TD class="tr22 td38"><P class="p3 ft3">Parallelluppställning över genomförandet i svensk</P></TD>
<TD class="tr22 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td57"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td38"><P class="p3 ft6">rätt av Europaparlamentets och rådets direktiv (EU)</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td57"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td38"><P class="p3 ft6">2015/2366 av den 25 november 2015 om</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td57"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td38"><P class="p3 ft5">betaltjänster på den inre marknaden, om ändring av</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td57"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td38"><P class="p3 ft6">direktiven 2002/65/EG, 2009/110/EG och</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td57"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td38"><P class="p3 ft5">2013/36/EU samt förordning (EU) nr 1093/2010 och</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td57"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td38"><P class="p3 ft5">om upphävande av direktiv 2007/64/EG.......................</P></TD>
<TD class="tr20 td27"><P class="p17 ft3">684</P></TD>
</TR>
</TABLE>
<P class="p45 ft3">Utdrag ur protokoll vid regeringssammanträde den 25 januari 2018... 694</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p46 ft3">9</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_10">
<TABLE cellpadding=0 cellspacing=0 class="t23">
<TR>
<TD class="tr27 td24"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr27 td58"><P class="p47 ft1">1</P></TD>
<TD class="tr27 td59"><P class="p48 ft31">Förslag till riksdagsbeslut</P></TD>
</TR>
</TABLE>
<P class="p49 ft3">Regeringen föreslår att riksdagen antar regeringens förslag till</P>
<P class="p50 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">lag om ändring i lagen (2010:751) om betaltjänster,</SPAN></P>
<P class="p50 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">lag om ändring i lagen (1992:160) om utländska filialer m.m.,</SPAN></P>
<P class="p50 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft32">lag om ändring i bokföringslagen (1999:1078),</SPAN></P>
<P class="p50 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft33">lag om ändring i lagen (2006:595) om europakooperativ,</SPAN></P>
<P class="p50 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft33">lag om ändring i marknadsföringslagen (2008:486),</SPAN></P>
<P class="p50 ft3"><SPAN class="ft5">6.</SPAN><SPAN class="ft32">lag om ändring i lagen (2011:755) om elektroniska pengar,</SPAN></P>
<P class="p51 ft3"><SPAN class="ft5">7.</SPAN><SPAN class="ft32">lag om ändring i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism.</SPAN></P>
<P class="p52 ft3">10</P>
</DIV>
<DIV id="page_11">
<DIV id="id_1">
<DIV id="id_1_1">
<P class="p53 ft1"><SPAN class="ft31">2</SPAN><SPAN class="ft34">Lagtext</SPAN></P>
</DIV>
<DIV id="id_1_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p54 ft3">Regeringen har följande förslag till lagtext.</P>
<P class="p55 ft37"><SPAN class="ft35">2.1</SPAN><SPAN class="ft36">Förslag till lag om ändring i lagen (2010:751) om betaltjänster</SPAN></P>
<P class="p56 ft40">Härigenom föreskrivs<SPAN class="ft38">1 </SPAN>i fråga om lagen (2010:751) om betaltjänster <SPAN class="ft39">dels </SPAN>att nuvarande 5 kap. <NOBR>6–33</NOBR> §§ ska betecknas 5 kap. <NOBR>28–48,</NOBR> 50, 51,</P>
<P class="p54 ft3"><NOBR>53–55,</NOBR> 57 och 59 §§,</P>
<P class="p57 ft5"><SPAN class="ft41">dels </SPAN>att 1 kap. <NOBR>1–4,</NOBR> 6 och 7 §§, 2 kap. <NOBR>1–3</NOBR> och 6 §§, 3 kap. 1, 2, 6, 7, 9, 13, <NOBR>17–21</NOBR> och <NOBR>23–28</NOBR> §§, 4 kap. 2, 3, <NOBR>5–7,</NOBR> 9, 10, 15 och 20 §§, 4 a kap. 5 §, 5 kap. <NOBR>1–3</NOBR> och 5 §§, de nya 5 kap. 28, <NOBR>32–34,</NOBR> 36, 37, 39, 40, 42, 43, 45, 47, 48, 50, 51, 54, 55 och 59 §§, och 8 kap. 1, 2, <NOBR>3–5,</NOBR> 13, 21, 22 och 27 §§, rubriken till 7 kap. och rubrikerna närmast före 3 kap. 19, 21 och 23 §§, 4 kap. 20 §, 5 kap. 5 § och 8 kap. 5 § ska ha följande lydelse,</P>
<P class="p12 ft3"><SPAN class="ft4">dels </SPAN>att rubriken närmast efter 4 kap. 3 § ska lyda ”Informations- skyldighet vid enstaka betaltjänster”,</P>
<P class="p57 ft5"><SPAN class="ft41">dels </SPAN>att rubrikerna närmast före 5 kap. 6, 9, 13, 16, 17 och <NOBR>30–32</NOBR> §§ ska sättas närmast före 5 kap. 28, 31, 35, 38, 39, 54, 55 respektive 57 §,</P>
<P class="p12 ft6"><SPAN class="ft4">dels </SPAN>att rubriken närmast före 5 kap. 23 § ska sättas närmast efter 5 kap. 44 § och lyda ”Ansvar för genomförandet av en betalningstran- saktion”,</P>
<P class="p57 ft40"><SPAN class="ft39">dels </SPAN>att rubrikerna närmast före 5 kap. 10, 25, 27 och 33 §§ ska sättas närmast före 5 kap. 32, 47, 50 respektive 59 § och ha följande lydelse,</P>
<P class="p58 ft40"><SPAN class="ft39">dels </SPAN>att det ska införas två nya kapitel, 5 a och 5 b kap., 45 nya paragrafer, 1 kap. 1 a, 6 a, 6 b och <NOBR>9–11</NOBR> §§, 3 kap. 18 a och 28 a §§, 4 kap. 3 a, 4 a, 4 b, 7 a, 8 a, 21 och 22 §§, 5 kap. <NOBR>6–27,</NOBR> 49, 52, 56, 58, och 60 §§, 7 kap. 4 och 5 §§ och 8 kap. 23 e §, och närmast före 1 kap. 6, 7, 9, 10 och 11 §§, 4 kap. 3 a, 21 och 22 §§ och 5 kap. 7, 8, 14, 15, 20, 23, 27, 45, 58 och 60 §§ nya rubriker av följande lydelse.</P>
<P class="p59 ft4">Nuvarande lydelse Föreslagen lydelse</P>
<P class="p60 ft42">1 kap.</P>
<P class="p61 ft3">1 §<SPAN class="ft43">2</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t24">
<TR>
<TD class="tr28 td60"><P class="p62 ft3">I denna lag finns bestämmelser</P></TD>
<TD colspan=2 class="tr28 td61"><P class="p17 ft3">I denna lag finns bestämmelser</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft7">om betaltjänster som tillhandahålls</P></TD>
<TD colspan=2 class="tr16 td61"><P class="p17 ft7">om betaltjänster som tillhandahålls</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">i Sverige och utförs inom det</P></TD>
<TD colspan=2 class="tr15 td61"><P class="p17 ft3">i Sverige och utförs inom det</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft6">Europeiska ekonomiska sam-</P></TD>
<TD class="tr16 td62"><P class="p3 ft6">Europeiska</P></TD>
<TD class="tr16 td63"><P class="p17 ft6">ekonomiska sam-</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p62 ft5">arbetsområdet (EES) <SPAN class="ft41">i euro eller i</SPAN></P></TD>
<TD class="tr20 td62"><P class="p3 ft7">arbetsområdet</P></TD>
<TD class="tr20 td63"><P class="p63 ft5">(EES).</P></TD>
</TR>
</TABLE>
<P class="p64 ft45"><SPAN class="ft44">1 </SPAN>Jfr Europaparlamentets och rådets direktiv (EU) 2015/2366 av den 25 november 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG, i den ursprungliga lydelsen.</P>
<P class="p65 ft7"><SPAN class="ft44">2 </SPAN>Senaste lydelse 2017:342.</P>
<P class="p14 ft3">11</P>
</DIV>
</DIV>
<DIV id="page_12">
<P class="p66 ft4"><SPAN class="ft3">Prop. 2017/18:77 </SPAN>någon annan av <NOBR>EES-ländernas</NOBR> valutor<SPAN class="ft3">.</SPAN></P>
<P class="p67 ft3">I denna lag finns också bestämmelser om betalningsinstitut och registrerade betaltjänstleverantörer.</P>
<P class="p68 ft6">I 4 a kap. finns bestämmelser om 1. avgifter för betalkonto,</P>
<P class="p69 ft3">2. byte av betalkonto, och</P>
<P class="p67 ft3">3. kreditinstituts skyldighet att tillhandahålla betalkonto med grund- läggande funktioner till en konsument.</P>
<TABLE cellpadding=0 cellspacing=0 class="t25">
<TR>
<TD class="tr22 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td62"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td65"><P class="p3 ft4">1 a §</P></TD>
<TD class="tr22 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td70"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td65"><P class="p31 ft4">När</P></TD>
<TD class="tr16 td66"><P class="p70 ft4">en</P></TD>
<TD colspan=6 class="tr16 td71"><P class="p17 ft41">betalningstransaktion</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">genomförs i en valuta som inte är</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p3 ft4">någon av <NOBR>EES-ländernas</NOBR> valutor</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">och både betalarens och betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft41">ningsmottagarens betaltjänstlever-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p3 ft4">antörer hör hemma inom EES,</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft4">gäller</P></TD>
<TD class="tr16 td66"><P class="p71 ft4">inte</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p70 ft4">4 kap.</P></TD>
<TD colspan=2 class="tr16 td74"><P class="p71 ft4">4 §</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p27 ft4">första</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td76"><P class="p3 ft4">stycket 2, 10 § 8</P></TD>
<TD class="tr16 td68"><P class="p70 ft4">och</P></TD>
<TD colspan=2 class="tr16 td74"><P class="p72 ft4">16 §</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p27 ft4">första</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p3 ft41">stycket 1 och 5 kap. <NOBR>38–41</NOBR> §§, 42 §</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">första stycket, 43 och 44 §§. Det-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">samma gäller om det bara är en</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td77"><P class="p3 ft4">betaltjänstleverantör i</P></TD>
<TD colspan=4 class="tr15 td78"><P class="p17 ft4">betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td79"><P class="p3 ft41">transaktionen</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p73 ft4">och</P></TD>
<TD colspan=2 class="tr16 td74"><P class="p3 ft4">denne</P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p17 ft4">hör</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td77"><P class="p3 ft4">hemma inom EES.</P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td62"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td65"><P class="p31 ft4">När</P></TD>
<TD colspan=2 class="tr15 td80"><P class="p3 ft4">antingen</P></TD>
<TD colspan=3 class="tr15 td55"><P class="p71 ft4">betalarens</P></TD>
<TD class="tr15 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td70"><P class="p27 ft41">eller</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft41">betalningsmottagarens betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">leverantör i en betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p3 ft4">aktion hör hemma utanför EES,</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft4">gäller</P></TD>
<TD class="tr16 td66"><P class="p71 ft4">inte</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p70 ft4">4 kap.</P></TD>
<TD colspan=2 class="tr16 td74"><P class="p71 ft4">4 §</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p27 ft4">första</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">stycket 2, 10 § 8 och 24 samt 16 §</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td62"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft4">första</P></TD>
<TD colspan=2 class="tr15 td80"><P class="p1 ft4">stycket 1</P></TD>
<TD class="tr15 td68"><P class="p74 ft4">och</P></TD>
<TD colspan=3 class="tr15 td81"><P class="p75 ft41">5 kap.</P></TD>
<TD class="tr15 td70"><P class="p17 ft4">1 §</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft4">andra</P></TD>
<TD colspan=2 class="tr16 td80"><P class="p1 ft4">stycket,</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p3 ft4"><NOBR>28–30,</NOBR></P></TD>
<TD colspan=2 class="tr16 td33"><P class="p76 ft4">38,</P></TD>
<TD class="tr16 td70"><P class="p27 ft4">40,</P></TD>
</TR>
<TR>
<TD class="tr20 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td76"><P class="p3 ft41"><NOBR>47–53</NOBR> och 55 §§.</P></TD>
<TD class="tr20 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td70"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td62"><P class="p17 ft3">2 §</P></TD>
<TD class="tr29 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p31 ft5">Med <SPAN class="ft41">betaltjänster </SPAN>avses i denna lag</P></TD>
<TD class="tr16 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p31 ft3">1. tjänster som gör</P></TD>
<TD class="tr15 td62"><P class="p21 ft3">det möjligt</P></TD>
<TD colspan=3 class="tr15 td76"><P class="p31 ft5">1. tjänster som</P></TD>
<TD class="tr15 td68"><P class="p41 ft3">gör</P></TD>
<TD class="tr15 td13"><P class="p72 ft5">det</P></TD>
<TD colspan=3 class="tr15 td82"><P class="p17 ft3">möjligt</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">att sätta in <SPAN class="ft4">på och ta ut </SPAN>kontanter</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft5">att sätta in kontanter <SPAN class="ft41">på </SPAN>ett betal-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6"><SPAN class="ft4">från </SPAN>ett betalkonto samt de</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft5">konto samt de <SPAN class="ft41">åtgärder </SPAN>som krävs</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft4">transaktioner <SPAN class="ft3">som</SPAN></P></TD>
<TD class="tr15 td62"><P class="p21 ft3">krävs för</P></TD>
<TD colspan=5 class="tr15 td83"><P class="p3 ft3">för förvaltning av kontot,</P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft3">förvaltning av kontot,</P></TD>
<TD class="tr28 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 rowspan=2 class="tr27 td72"><P class="p31 ft4">2. tjänster som gör det möjligt</P></TD>
</TR>
<TR>
<TD class="tr30 td64"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td62"><P class="p3 ft47"> </P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr28 td72"><P class="p3 ft4">att ta ut kontanter från ett betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">konto samt de åtgärder som krävs</P></TD>
</TR>
<TR>
<TD colspan=2 rowspan=2 class="tr25 td60"><P class="p31 ft3"><SPAN class="ft4">2</SPAN>. genomförande av betalnings-</P></TD>
<TD colspan=5 class="tr16 td83"><P class="p3 ft4">för förvaltning av kontot,</P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td77"><P class="p31 ft5"><SPAN class="ft41">3</SPAN>. genomförande av</P></TD>
<TD colspan=4 class="tr15 td78"><P class="p17 ft3">betalnings-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">transaktioner, inklusive överföring</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft5">transaktioner, inklusive överföring</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft4"><SPAN class="ft6">av medel </SPAN>som även kan täckas av</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft41"><SPAN class="ft5">av medel </SPAN>på ett betalkonto<SPAN class="ft5">, genom</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft4">ett kreditutrymme<SPAN class="ft6">, genom</SPAN></P></TD>
<TD class="tr16 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p15 ft3">12</P>
</DIV>
<DIV id="page_13">
<DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<P class="p53 ft3"><SPAN class="ft3">a)</SPAN><SPAN class="ft32">autogiro,</SPAN></P>
<P class="p53 ft3"><SPAN class="ft3">b)</SPAN><SPAN class="ft48">kontokort eller andra betalningsinstrument, eller</SPAN></P>
<P class="p53 ft3"><SPAN class="ft3">c)</SPAN><SPAN class="ft32">kontobaserade betalningar,</SPAN></P>
</DIV>
<DIV id="id_1_2">
<DIV id="id_1_2_1">
<P class="p77 ft3"><SPAN class="ft4">3</SPAN>. <SPAN class="ft4">utfärdande </SPAN>av betalnings- instrument,</P>
<P class="p78 ft50"><SPAN class="ft4">4.</SPAN><SPAN class="ft49">inlösen av transaktionsbelopp där ett betalningsinstrument har använts,</SPAN></P>
<P class="p79 ft6"><SPAN class="ft4">5.</SPAN><SPAN class="ft51">penningöverföring, </SPAN><SPAN class="ft4">eller</SPAN></P>
<P class="p80 ft4"><SPAN class="ft4">6.</SPAN><SPAN class="ft52">genomförande av betalnings- transaktioner där</SPAN></P>
<P class="p80 ft4">a) betalaren godkänner trans- aktionen med någon form av utrustning för telekommunikation, digital teknik eller informations- teknik, och</P>
<P class="p81 ft39">b) betalningen sker till system- operatören, som endast fungerar som mellanhand mellan betaltjänst- användaren och leverantören av varorna eller tjänsterna.</P>
</DIV>
<DIV id="id_1_2_2">
<P class="p82 ft4">4. genomförande av betalnings- transaktioner, när medlen täcks av ett kreditutrymme, genom</P>
<P class="p79 ft4"><SPAN class="ft41">a)</SPAN><SPAN class="ft52">autogiro,</SPAN></P>
<P class="p82 ft50"><SPAN class="ft41">b)</SPAN><SPAN class="ft49">kontokort eller andra betal- ningsinstrument, eller</SPAN></P>
<P class="p79 ft4"><SPAN class="ft4">c)</SPAN><SPAN class="ft53">kontobaserade betalningar,</SPAN></P>
<P class="p82 ft4">5<SPAN class="ft3">. </SPAN>utgivning <SPAN class="ft3">av betalnings- instrument </SPAN>eller inlösen av trans- aktionsbelopp där ett betalnings- instrument har använts<SPAN class="ft3">,</SPAN></P>
<P class="p83 ft3"><SPAN class="ft4">6</SPAN>. penningöverföring,</P>
<P class="p84 ft54">7. betalningsinitieringstjänster, eller</P>
<P class="p85 ft4">8. kontoinformationstjänster<SPAN class="ft3">.</SPAN></P>
</DIV>
</DIV>
<DIV id="id_1_3">
<P class="p86 ft3">3 §<SPAN class="ft43">3</SPAN></P>
<P class="p87 ft3">Med <SPAN class="ft4">betaltjänstleverantörer </SPAN>avses i denna lag följande tillhandahållare av betaltjänster:</P>
<P class="p88 ft4"><SPAN class="ft3">1. </SPAN>banker och kreditmarknads- <SPAN class="ft3">1. </SPAN>kreditinstitut<SPAN class="ft3">, </SPAN>företag enligt lagen (2004:297) om</P>
<P class="p15 ft4">bank- och finansieringsrörelse<SPAN class="ft3">,</SPAN></P>
<P class="p89 ft5"><SPAN class="ft5">2.</SPAN><SPAN class="ft55">institut för elektroniska pengar och de företag som har undantagits från tillståndsplikt enligt lagen (2011:755) om elektroniska pengar,</SPAN></P>
<P class="p82 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">betalningsinstitut och de fysiska eller juridiska personer som har undantagits från tillståndsplikt enligt 2 kap. 3 §,</SPAN></P>
<P class="p82 ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft48">statliga och kommunala myndigheter, när de inte ägnar sig åt myndighetsutövning,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr15 td84"><P class="p90 ft3">5. utländska</P></TD>
<TD class="tr15 td85"><P class="p62 ft3">fysiska och juri-</P></TD>
<TD class="tr15 td61"><P class="p17 ft3">5<SPAN class="ft4">. </SPAN>utländska fysiska och juri-</P></TD>
</TR>
<TR>
<TD class="tr16 td84"><P class="p3 ft6">diska personer</P></TD>
<TD class="tr16 td85"><P class="p62 ft5">samt myndigheter</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">diska personer samt myndigheter</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td60"><P class="p62 ft5">inom EES, <SPAN class="ft41">motsvarande </SPAN>dem i <NOBR>1–4</NOBR></P></TD>
<TD class="tr20 td61"><P class="p17 ft3">inom EES, <SPAN class="ft4">som motsvarar </SPAN>dem i</P></TD>
</TR>
</TABLE>
<P class="p91 ft7"><SPAN class="ft44">3 </SPAN>Senaste lydelse 2011:775.</P>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">13</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_14">
<DIV id="tx1"><SPAN class="ft56">9. filialer till institut för elek- troniska pengar från länder utan- för EES.</SPAN></DIV>
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr19 td86"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=2 class="tr19 td84"><P class="p3 ft3">med undantag</P></TD>
<TD colspan=3 class="tr19 td85"><P class="p21 ft5"><SPAN class="ft41">av </SPAN>sådana fysiska</P></TD>
<TD colspan=4 class="tr19 td72"><P class="p17 ft3"><NOBR>1–4</NOBR> med undantag <SPAN class="ft4">för </SPAN>sådana</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">eller juridiska personer som har</P></TD>
<TD class="tr15 td87"><P class="p3 ft3">fysiska eller</P></TD>
<TD colspan=3 class="tr15 td88"><P class="p27 ft3">juridiska personer</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td55"><P class="p3 ft7">undantagits</P></TD>
<TD colspan=2 class="tr16 td9"><P class="p25 ft6">från</P></TD>
<TD colspan=2 class="tr16 td15"><P class="p21 ft5">tillståndsplikt</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p17 ft7">som har undantagits från tillstånds-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">enligt nationella bestämmelser som</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p17 ft5">plikt enligt nationella bestämmel-</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td89"><P class="p3 ft41"><SPAN class="ft5">genomför </SPAN>Europaparlamentets</P></TD>
<TD class="tr15 td90"><P class="p21 ft4">och</P></TD>
<TD colspan=4 class="tr15 td72"><P class="p27 ft3">ser som genomför <SPAN class="ft4">betaltjänst-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td84"><P class="p3 ft4">rådets direktiv</P></TD>
<TD colspan=2 class="tr16 td91"><P class="p93 ft4">2007/64/EG</P></TD>
<TD class="tr16 td90"><P class="p21 ft4">om</P></TD>
<TD class="tr16 td87"><P class="p3 ft4">direktivet<SPAN class="ft6">,</SPAN></P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td84"><P class="p3 ft4">betaltjänster</P></TD>
<TD class="tr16 td68"><P class="p72 ft4">på</P></TD>
<TD class="tr16 td58"><P class="p94 ft41">den</P></TD>
<TD class="tr16 td90"><P class="p21 ft4">inre</P></TD>
<TD class="tr16 td87"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td60"><P class="p3 ft4">marknaden och om ändring av</P></TD>
<TD class="tr15 td87"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td55"><P class="p3 ft4">direktiven</P></TD>
<TD colspan=2 class="tr16 td9"><P class="p3 ft4">97/7/EG,</P></TD>
<TD colspan=2 class="tr16 td15"><P class="p21 ft4">2002/65/EG,</P></TD>
<TD class="tr16 td87"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td60"><P class="p3 ft4">2005/60/EG och 2006/48/EG samt</P></TD>
<TD class="tr16 td87"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td60"><P class="p3 ft4">upphävande av direktiv 97/5/EG<SPAN class="ft3">,</SPAN></P></TD>
<TD class="tr15 td87"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr16 td93"><P class="p17 ft5">6. Europeiska centralbanken och nationella centralbanker i andra EES-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr16 td93"><P class="p3 ft6">länder, när de inte agerar i egenskap av monetär eller offentlig</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td55"><P class="p3 ft5">myndighet,</P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD colspan=2 rowspan=2 class="tr25 td95"><P class="p31 ft3">7. postgiroinstitut</P></TD>
<TD rowspan=2 class="tr25 td92"><P class="p3 ft3">inom</P></TD>
<TD rowspan=2 class="tr25 td23"><P class="p17 ft3">EES</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td96"><P class="p31 ft6">7. postgiroinstitut</P></TD>
<TD class="tr16 td58"><P class="p94 ft7">inom</P></TD>
<TD class="tr16 td90"><P class="p21 ft5">EES</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td55"><P class="p3 ft6">som enligt</P></TD>
<TD colspan=4 class="tr16 td97"><P class="p21 ft6">nationell lagstiftning</P></TD>
<TD colspan=2 class="tr16 td95"><P class="p3 ft6">som enligt nationell</P></TD>
<TD colspan=2 class="tr16 td98"><P class="p27 ft6">lagstiftning</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">har rätt att tillhandahålla betal-</P></TD>
<TD colspan=4 class="tr15 td72"><P class="p17 ft3">har rätt att tillhandahålla betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td84"><P class="p3 ft3">tjänster, <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td87"><P class="p3 ft3">tjänster,</P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td55"><P class="p31 ft57">8. filialer</P></TD>
<TD class="tr16 td94"><P class="p72 ft57">till</P></TD>
<TD colspan=2 class="tr16 td91"><P class="p1 ft57">kreditinstitut</P></TD>
<TD class="tr16 td90"><P class="p21 ft57">från</P></TD>
<TD class="tr16 td87"><P class="p31 ft57">8. filialer till</P></TD>
<TD colspan=2 class="tr16 td98"><P class="p41 ft4">utländska</P></TD>
<TD class="tr16 td23"><P class="p17 ft57">kredit-</P></TD>
</TR>
<TR>
<TD class="tr28 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr28 td96"><P class="p3 ft57">länder utanför EES<SPAN class="ft4">.</SPAN></P></TD>
<TD class="tr28 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td90"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr28 td72"><P class="p27 ft57">institut från länder utanför EES<SPAN class="ft4">,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td55"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td87"><P class="p3 ft4">och</P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p95 ft3">4 §<SPAN class="ft43">4</SPAN></P>
<P class="p96 ft3">I denna lag betyder</P>
<P class="p97 ft4"><SPAN class="ft58">autentisering</SPAN>: ett förfarande där en betaltjänstanvändares person- liga behörighetsfunktioner an- vänds och genom vilket en betal- tjänstleverantör kan kontrollera betaltjänstanvändarens identitet eller ett betalningsinstruments giltighet<SPAN class="ft3">,</SPAN></P>
<P class="p98 ft40"><SPAN class="ft39">autogiro</SPAN>: en betaltjänst för debitering av en betalares betalkonto, där initiativet till en betalningstransaktion tas av betalningsmottagaren på grundval av betalarens samtycke till mottagaren, mottagarens betaltjänst- leverantör eller betalarens egen betaltjänstleverantör,</P>
<P class="p99 ft6"><SPAN class="ft4">bankdag</SPAN>: en dag på vilken en betaltjänstleverantör har öppet för verk- samhet i den utsträckning som krävs för genomförande av en betalnings- transaktion,</P>
<P class="p98 ft5"><SPAN class="ft41">betalare</SPAN>: en fysisk eller juridisk person som är antingen betalkonto- innehavare och som godkänner en betalningsorder från detta betalkonto, eller en fysisk eller juridisk person som lämnar en betalningsorder,</P>
<P class="p100 ft59"><SPAN class="ft54">betalkonto</SPAN>: ett konto som innehas i en eller flera betaltjänstanvändares namn och som är avsett för genomförandet av betalningstransaktioner,</P>
<P class="p101 ft7"><SPAN class="ft44">4 </SPAN>Senaste lydelse 2017:342.</P>
<P class="p102 ft3">14</P>
</DIV>
<DIV id="page_15">
<DIV id="dimg1">
<INGENBILD zsrc="H5037715x1.jpg/" id="img1">
</DIV>
<DIV>
<DIV id="id_1">
<P class="p82 ft3"><SPAN class="ft4">betalkontodirektivet</SPAN>: Europaparlamentets och rådets direktiv 2014/92/EU av den 23 juli 2014 om jämförbarhet för avgifter som avser betalkonto, byte av betalkonto och tillgång till betalkonto med grund- läggande funktioner, i den ursprungliga lydelsen,</P>
<P class="p103 ft6"><SPAN class="ft4">betalningsinstitut</SPAN>: ett aktiebolag eller en ekonomisk förening som har</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=2 class="tr15 td99"><P class="p3 ft3">fått tillstånd att tillhandahålla betaltjänster enligt 2 kap.,</P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td101"><P class="p90 ft4"><SPAN class="ft58">betalningsinitieringstjänst</SPAN>:</P></TD>
<TD class="tr16 td100"><P class="p17 ft41">en</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td61"><P class="p3 ft4">tjänst för att på begäran av betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td61"><P class="p3 ft41">tjänstanvändaren initiera en betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td61"><P class="p3 ft4">ningsorder från ett betalkonto hos</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr25 td60"><P class="p90 ft4"><SPAN class="ft58">betalningsinstrument</SPAN><SPAN class="ft3">: ett konto-</SPAN></P></TD>
<TD class="tr15 td101"><P class="p3 ft4">en annan betaltjänstleverantör,</P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td61"><P class="p17 ft4"><SPAN class="ft58">betalningsinstrument</SPAN><SPAN class="ft6">: ett konto-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">kort eller något annat personligt</P></TD>
<TD colspan=2 class="tr16 td61"><P class="p3 ft6">kort eller något annat personligt</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">instrument eller en personlig rutin</P></TD>
<TD colspan=2 class="tr15 td61"><P class="p3 ft5">instrument eller en personlig rutin</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">som används för att initiera en</P></TD>
<TD colspan=2 class="tr16 td61"><P class="p3 ft6">som <SPAN class="ft4">enligt avtal </SPAN>används för att</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">betalningsorder,</P></TD>
<TD class="tr16 td101"><P class="p3 ft6">initiera en betalningsorder,</P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p104 ft6"><SPAN class="ft4">betalningsmottagare</SPAN>: en fysisk eller juridisk person som är den avsedda mottagaren av medel vid en betalningstransaktion,</P>
<P class="p104 ft6"><SPAN class="ft4">betalningsorder</SPAN>: varje instruktion som en betalare eller betalningsmottagare ger sin betaltjänstleverantör om att en betalningstransaktion ska genomföras,</P>
<P class="p104 ft3"><SPAN class="ft4">betalningssystem</SPAN>: ett generellt betalsystem enligt 1 kap. 3 § andra stycket lagen (2004:297) om bank- och finansieringsrörelse,</P>
<P class="p104 ft6"><SPAN class="ft4">betalningstransaktion</SPAN>: insättning, uttag eller överföring av medel som initieras av betalaren eller betalningsmottagaren, oberoende av eventuella underliggande förpliktelser mellan betalaren och betalningsmottagaren,</P>
<P class="p104 ft3"><SPAN class="ft4">betaltjänstanvändare</SPAN>: en fysisk eller juridisk person som utnyttjar en betaltjänst,</P>
<P class="p105 ft4"><SPAN class="ft58">betaltjänstdirektivet</SPAN>: Europa– parlamentets och rådets direktiv (EU) 2015/2366 av den 25 novem- ber 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG, i den ursprungliga lydelsen,</P>
<P class="p106 ft3"><SPAN class="ft4">debitera</SPAN>: att medel dras från ett konto,</P>
<P class="p105 ft4"><SPAN class="ft58">elektroniskt kommunikationsnät</SPAN>: detsamma som i 1 kap. 7 § lagen (2003:389) om elektronisk kom- munikation,</P>
<P class="p107 ft50">elektronisk kommunikations- <SPAN class="ft60">tjänst</SPAN>: detsamma som i 1 kap. 7 § lagen om elektronisk kommunika- tion,</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">15</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_16">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr19 td86"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=6 class="tr19 td93"><P class="p17 ft5"><SPAN class="ft41">filial</SPAN>: ett avdelningskontor med självständig förvaltning, varvid även ett</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p17 ft7">utländskt betalningsinstituts etablering av flera driftställen ska anses som</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td102"><P class="p3 ft6">en enda filial,</P></TD>
<TD class="tr16 td103"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td102"><P class="p31 ft4"><SPAN class="ft58">grupp</SPAN><SPAN class="ft6">: </SPAN>detsamma som i 1 kap.</P></TD>
<TD colspan=5 class="tr16 td102"><P class="p17 ft4"><SPAN class="ft58">grupp</SPAN><SPAN class="ft6">: </SPAN>en grupp av företag som</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td102"><P class="p3 ft4">7 § lagen (2006:531) om särskild</P></TD>
<TD colspan=5 class="tr15 td102"><P class="p27 ft4">är knutna till varandra genom ett</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td102"><P class="p3 ft4">tillsyn över finansiella konglo-</P></TD>
<TD colspan=3 class="tr16 td96"><P class="p75 ft4">sådant förhållande</P></TD>
<TD colspan=2 class="tr16 td106"><P class="p17 ft4">som avses i</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td102"><P class="p3 ft4">merat<SPAN class="ft6">,</SPAN></P></TD>
<TD colspan=5 class="tr16 td102"><P class="p17 ft4">1 kap. 4, 5 eller 5 a § årsredovis-</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td102"><P class="p17 ft4">ningslagen (1995:1554) eller en</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td102"><P class="p17 ft4">grupp av företag som avses i artik-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td103"><P class="p75 ft4">larna <NOBR>4–7</NOBR></P></TD>
<TD class="tr16 td100"><P class="p70 ft4">i</P></TD>
<TD colspan=2 class="tr16 td107"><P class="p74 ft4">kommissionens</P></TD>
<TD class="tr16 td105"><P class="p17 ft41">dele-</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td102"><P class="p17 ft41">gerade förordning (EU) nr 241/2014</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td102"><P class="p17 ft4">av den 7 januari 2014 om komp-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td103"><P class="p75 ft4">lettering</P></TD>
<TD class="tr16 td100"><P class="p3 ft41">av</P></TD>
<TD colspan=3 class="tr16 td108"><P class="p27 ft4">Europaparlamentets</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td102"><P class="p27 ft4">och rådets förordning (EU) nr</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td103"><P class="p75 ft4">575/2013</P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft4">med</P></TD>
<TD class="tr16 td104"><P class="p3 ft4">avseende</P></TD>
<TD class="tr16 td105"><P class="p17 ft4">på</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td103"><P class="p75 ft4">tekniska</P></TD>
<TD colspan=3 class="tr16 td24"><P class="p71 ft4">tillsynsstandarder</P></TD>
<TD class="tr16 td105"><P class="p17 ft4">för</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td102"><P class="p17 ft4">kapitalbaskrav på institut och som</P></TD>
</TR>
<TR>
<TD class="tr21 td86"><P class="p3 ft61"> </P></TD>
<TD class="tr21 td102"><P class="p3 ft61"> </P></TD>
<TD colspan=5 class="tr21 td102"><P class="p27 ft62">är knutna till varandra genom ett</P></TD>
</TR>
</TABLE>
<P class="p108 ft4">sådant förhållande som avses i artikel 10.1 eller artikel 113.6 eller 113.7 i tillsynsförordningen<SPAN class="ft3">,</SPAN></P>
<P class="p109 ft6"><SPAN class="ft4">hemland</SPAN>: det land där ett företag har fått tillstånd att driva sådan verksamhet som avses i denna lag,</P>
<P class="p110 ft4"><SPAN class="ft58">inlösen av transaktionsbelopp</SPAN>: en betaltjänst där en betaltjänst- leverantör accepterar och behand- lar betalningsmottagarens betal- ningstransaktioner för att sedan överföra medel till betalningsmot- tagaren,</P>
<P class="p111 ft50"><SPAN class="ft60">kapitalbas</SPAN>: detsamma som i 1 kap. 5 § 9 lagen om bank- och finansieringsrörelse,</P>
<P class="p110 ft4"><SPAN class="ft58">kontobaserad betalning</SPAN>: en betaltjänst för kreditering av en betalningsmottagares betalkonto med en betalningstransaktion från en betalares betalkonto, som utförs av en betaltjänstleverantör som har tillgång till betalarens betal- konto, på grundval av en instruk- tion som lämnats av betalaren,</P>
<P class="p110 ft50"><SPAN class="ft60">kontoförvaltande betaltjänstleve- rantör</SPAN>: en betaltjänstleverantör som tillhandahåller och förvaltar ett betalkonto,</P>
<P class="p97 ft4"><SPAN class="ft58">kontoinformationstjänst</SPAN>: en on- linetjänst för att tillhandahålla sammanställd information om ett eller flera betalkonton som betal-</P>
<P class="p112 ft3">16</P>
</DIV>
<DIV id="page_17">
<DIV id="dimg1">
<INGENBILD zsrc="H5037717x1.jpg/" id="img1">
</DIV>
<DIV>
<DIV id="id_1">
<P class="p113 ft4">tjänstanvändaren har hos en eller flera andra betaltjänstleverantörer, konsument<SPAN class="ft3">: en fysisk person som handlar huvudsakligen för ändamål</SPAN></P>
<P class="p114 ft40">som faller utanför näringsverksamhet, <SPAN class="ft39">kreditera</SPAN>: att medel tillförs ett konto,</P>
<P class="p105 ft4"><SPAN class="ft58">kreditinstitut</SPAN>: detsamma som i 1 kap. 5 § 10 lagen om bank- och finansieringsrörelse,</P>
<P class="p103 ft5"><SPAN class="ft41">kvalificerat innehav</SPAN>: detsamma som i 1 kap. 5 § 15 lagen om bank- och</P>
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD class="tr28 td109"><P class="p3 ft3">finansieringsrörelse,</P></TD>
<TD class="tr28 td71"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td109"><P class="p115 ft4">känslig</P></TD>
<TD class="tr16 td71"><P class="p3 ft41">betalningsuppgift: en</P></TD>
</TR>
</TABLE>
<P class="p116 ft41">personlig behörighetsfunktion eller annan uppgift som kan användas för svikliga förfaranden, dock inte kontoinnehavarens namn och konto- nummer i sådan verksamhet som drivs av en leverantör av betalnings- initieringstjänster eller en leverantör av kontoinformationstjänster,</P>
<P class="p82 ft6"><SPAN class="ft4">lagligen bosatt inom EES</SPAN>: en fysisk person som har rätt att bosätta sig inom EES i enlighet med unionsrätten eller nationell rätt, inbegripet personer utan fast adress och personer som söker asyl inom ramen för Genèvekonventionen av den 28 juli 1951 angående flyktingars rättsliga ställning, protokollet till denna av den 31 januari 1967 och andra relevanta internationella fördrag,</P>
<P class="p117 ft3"><SPAN class="ft4">medel</SPAN>: sedlar och mynt, kontotillgodohavanden samt elektroniska pengar enligt lagen (2011:755) om elektroniska pengar,</P>
<P class="p105 ft4"><SPAN class="ft58">obehörig transaktion</SPAN>: en trans- aktion som genomförs utan sam- tycke från kontohavaren eller någon annan som enligt konto- avtalet är behörig att använda kontot,</P>
<P class="p118 ft64"><SPAN class="ft63">penningöverföring</SPAN>: en betaltjänst där medel tas emot från en betalare, utan att något betalkonto öppnas i betalarens eller betalningsmottagarens namn, uteslutande i syfte att överföra motsvarande belopp till en mot- tagare eller en annan betaltjänstleverantör som agerar på mottagarens vägnar, eller där dessa medel tas emot på mottagarens vägnar och ställs till mottagarens förfogande,</P>
<P class="p119 ft41"><SPAN class="ft65">personlig behörighetsfunktion</SPAN>: en personligt anpassad funktion som betaltjänstleverantören tillhanda- håller betaltjänstanvändaren för autentiseringsändamål,</P>
<P class="p120 ft40"><SPAN class="ft39">ramavtal</SPAN>: ett avtal om betaltjänster som reglerar genomförandet av kommande enskilda och successiva betalningstransaktioner och som kan innehålla skyldigheter och villkor för att öppna ett betalkonto,</P>
<P class="p82 ft3"><SPAN class="ft4">referensväxelkurs</SPAN>: den växelkurs som ligger till grund för beräkningen av eventuell valutaväxling och görs tillgänglig av betaltjänstleverantören eller härrör från en offentligt tillgänglig källa,</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">17</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_18">
<P class="p121 ft40">Prop. 2017/18:77 <SPAN class="ft39">referensräntesats</SPAN>: den räntesats som ligger till grund för beräkningen av eventuell tillämplig ränta och som härrör från en offentligt tillgänglig källa som kan kontrolleras av båda parterna i ett avtal om betaltjänster,</P>
<P class="p67 ft4">registrerad betaltjänstleverantör<SPAN class="ft6">: en betaltjänstleverantör som undan- tagits från krav på tillstånd enligt 2 kap. 3 §,</SPAN></P>
<P class="p122 ft41"><SPAN class="ft65">stark kundautentisering</SPAN>: en auten- tisering som grundas på använd- ning av två eller flera kompo- nenter, kategoriserade som kunskap (något som bara användaren vet), innehav (något som bara använda- ren har) och unik egenskap (något som användaren är), som är fristående från varandra så att det förhållandet att någon har kommit över en av komponenterna inte äventyrar de andra komponent- ernas tillförlitlighet, och som är utformad för att skydda autenti- seringsuppgifterna mot obehörig åtkomst,</P>
<P class="p123 ft3"><SPAN class="ft4">startkapital</SPAN>: detsamma som i 1 kap. 5 § 18 lagen om bank- och finans- ieringsrörelse,</P>
<P class="p124 ft4"><SPAN class="ft58">säker kommunikation</SPAN>: sådan kommunikation som uppfyller kraven i de tekniska standarder som antagits av Europeiska kommissionen i enlighet med artikel 98 i betaltjänstdirektivet,</P>
<P class="p125 ft4"><SPAN class="ft58">tillsynsförordningen</SPAN>: Europa- parlamentets och rådets för- ordning (EU) nr 575/2013 av den 26 juni 2013 om tillsynskrav för kreditinstitut och värdepappers- företag och om ändring av förord- ning (EU) nr 648/2012,</P>
<P class="p126 ft3"><SPAN class="ft4">unik identifikationskod</SPAN>: en kombination av bokstäver, siffror eller symboler som tillhandahållits av en betaltjänstleverantör, och som en betaltjänstanvändare ska uppge för att otvetydigt identifiera en annan betaltjänstanvändare eller dennes betalkonto,</P>
<P class="p124 ft4"><SPAN class="ft58">utgivning av betalningsinstru- ment</SPAN>: en betaltjänst hos en betal- tjänstleverantör om att tillhanda- hålla betalaren ett betalnings- instrument för att initiera och behandla betalarens betalnings- transaktioner,</P>
<P class="p127 ft50"><SPAN class="ft60">utländskt kreditinstitut</SPAN>: detsam- ma som i 1 kap. 5 § 21 lagen om bank- och finansieringsrörelse,</P>
<P class="p15 ft3">18</P>
</DIV>
<DIV id="page_19">
<DIV id="tx1"><SPAN class="ft4">6 a §</SPAN></DIV>
<DIV id="tx2"><SPAN class="ft50">Denna lag, med undantag för bestämmelserna om obehöriga transaktioner i 5 kap. 55 och 56 §§ och 5 a kap. </SPAN><NOBR><SPAN class="ft50">1–4</SPAN></NOBR><SPAN class="ft50"> och </SPAN><NOBR><SPAN class="ft50">6–8</SPAN></NOBR><SPAN class="ft50"> §§, gäller inte tjänster som</SPAN></DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV id="id_1">
<P class="p82 ft3"><SPAN class="ft4">valuteringsdag</SPAN>: den referenstidpunkt som används av en betal- tjänstleverantör för att beräkna räntan på de medel som debiterats eller krediterats ett betalkonto.</P>
<TABLE cellpadding=0 cellspacing=0 class="t28">
<TR>
<TD class="tr1 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td61"><P class="p3 ft58">Undantag för vissa tjänster</P></TD>
</TR>
<TR>
<TD class="tr27 td60"><P class="p17 ft3">6 §</P></TD>
<TD class="tr27 td61"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p90 ft3">Denna lag gäller inte tjänster som</P></TD>
<TD class="tr15 td61"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p90 ft6">1<SPAN class="ft4">. </SPAN>består av yrkesmässig, fysisk</P></TD>
<TD class="tr16 td61"><P class="p90 ft5">1. består av yrkesmässig, fysisk</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">transport av kontanter,</P></TD>
<TD class="tr16 td61"><P class="p3 ft4"><SPAN class="ft6">transport </SPAN>och därmed samman-</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td61"><P class="p3 ft41">hängande hantering <SPAN class="ft5">av kontanter,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td61"><P class="p3 ft4">med undantag för uppräknings-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td61"><P class="p3 ft4">verksamhet,</P></TD>
</TR>
</TABLE>
<P class="p103 ft6">2. ger möjlighet till uttag av kontanter i samband med inköp av varor</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=2 class="tr15 td110"><P class="p3 ft3">eller tjänster,</P></TD>
<TD class="tr15 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td61"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p62 ft6">3. består av valutaväxling genom</P></TD>
<TD class="tr16 td61"><P class="p17 ft6">3. består av valutaväxling genom</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td111"><P class="p3 ft3">utbyte av kontanter,</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td61"><P class="p128 ft5">utbyte av kontanter, <SPAN class="ft41">eller</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td112"><P class="p90 ft6">4. tillhandahålls</P></TD>
<TD colspan=2 class="tr16 td113"><P class="p62 ft4"><SPAN class="ft6">av </SPAN>leverantörer</P></TD>
<TD class="tr16 td61"><P class="p17 ft6">4. tillhandahålls av <SPAN class="ft4">en leverantör</SPAN></P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p62 ft6">av tekniska tjänster <SPAN class="ft4">vilka stödjer</SPAN></P></TD>
<TD class="tr16 td61"><P class="p17 ft6">av tekniska tjänster <SPAN class="ft4">som stöder</SPAN></P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td111"><P class="p3 ft3">betaltjänstleverantörens</P></TD>
<TD class="tr15 td78"><P class="p62 ft7">verksam-</P></TD>
<TD class="tr15 td61"><P class="p17 ft5">betaltjänstleverantörens verksam-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p62 ft6">het med betaltjänster, utan att</P></TD>
<TD class="tr16 td61"><P class="p17 ft6">het med betaltjänster, utan att</P></TD>
</TR>
<TR>
<TD class="tr16 td98"><P class="p3 ft7">leverantören</P></TD>
<TD class="tr16 td68"><P class="p75 ft6">av</P></TD>
<TD colspan=3 class="tr16 td63"><P class="p62 ft5">tekniska tjänster</P></TD>
<TD class="tr16 td61"><P class="p17 ft6">leverantören av tekniska tjänster</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p62 ft5">vid något tillfälle kommer i besitt-</P></TD>
<TD class="tr15 td61"><P class="p17 ft5">vid något tillfälle kommer i besitt-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td110"><P class="p3 ft6">ning av medel,</P></TD>
<TD class="tr16 td4"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td61"><P class="p17 ft4"><SPAN class="ft6">ning av medel, </SPAN>såvida inte det rör</P></TD>
</TR>
<TR>
<TD class="tr16 td98"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td61"><P class="p17 ft4">sig om en betalningsinitierings-</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr31 td98"><P class="p90 ft4">5. baseras</P></TD>
<TD rowspan=2 class="tr31 td68"><P class="p93 ft4">på</P></TD>
<TD colspan=3 rowspan=2 class="tr31 td63"><P class="p62 ft41">betalningsinstru-</P></TD>
<TD class="tr20 td61"><P class="p129 ft41">tjänst eller kontoinformationstjänst.</P></TD>
</TR>
<TR>
<TD class="tr30 td61"><P class="p3 ft47"> </P></TD>
</TR>
<TR>
<TD class="tr15 td98"><P class="p3 ft4">ment som</P></TD>
<TD colspan=2 class="tr15 td34"><P class="p3 ft4">enbart</P></TD>
<TD class="tr15 td34"><P class="p130 ft4">kan</P></TD>
<TD class="tr15 td78"><P class="p62 ft4">utnyttjas</P></TD>
<TD class="tr15 td61"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p131 ft4">inom ett begränsat nätverk av leverantörer, hos en leverantör i dennes affärsställe eller i fråga om ett begränsat varu- eller tjänste- utbud, eller</P>
<P class="p132 ft4">6<SPAN class="ft3">. </SPAN>består av uttag av kontanter med hjälp av uttagsautomater, om den som tillhandahåller tjänsten</P>
<P class="p132 ft50"><SPAN class="ft4">a)</SPAN><SPAN class="ft67">agerar för en eller flera kortutfärdares räkning,</SPAN></P>
<P class="p132 ft4"><SPAN class="ft4">b)</SPAN><SPAN class="ft53">inte är part i ramavtalet med den kund som tar ut medel från ett betalkonto, och</SPAN></P>
<P class="p79 ft4"><SPAN class="ft4">c)</SPAN><SPAN class="ft53">inte tillhandahåller sådana</SPAN></P>
<P class="p133 ft56">andra betaltjänster som anges i 2 §.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">19</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_20">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td114"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr1 td79"><P class="p31 ft4">1. baseras</P></TD>
<TD class="tr1 td27"><P class="p134 ft41">på</P></TD>
<TD class="tr1 td115"><P class="p17 ft41">betalningsinstru-</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft4">ment som enbart kan utnyttjas</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft4">inom ett begränsat nätverk av</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft4">leverantörer, hos en leverantör i</P></TD>
</TR>
<TR>
<TD class="tr15 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td72"><P class="p17 ft4">dennes affärsställe eller i fråga om</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft4">ett mycket begränsat varu- eller</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td116"><P class="p3 ft41">tjänsteutbud, eller</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td79"><P class="p31 ft4">2. baseras</P></TD>
<TD class="tr16 td27"><P class="p135 ft4">på</P></TD>
<TD class="tr16 td115"><P class="p17 ft41">betalningsinstru-</P></TD>
</TR>
</TABLE>
<P class="p136 ft4">ment som</P>
<P class="p137 ft4">a) endast är giltiga i Sverige,</P>
<P class="p97 ft4">b) tillhandahålls på begäran av ett företag eller ett offentligt organ för inköp av en viss vara eller tjänst från en leverantör som har ingått ett avtal om detta med utgivaren av instrumentet, och</P>
<P class="p138 ft56">c) regleras av en myndighet av särskilda sociala eller skatte- mässiga skäl.</P>
<P class="p139 ft4">6 b §</P>
<P class="p110 ft39">Denna lag gäller inte en tjänst som endast möjliggör uttag av kontanter med hjälp av uttagsautomater, om den som tillhandahåller tjänsten</P>
<P class="p97 ft4">1. agerar för en eller flera kort- utgivares räkning,</P>
<P class="p97 ft4">2. inte är part i ramavtalet med den kund som tar ut medel från ett betalkonto,</P>
<P class="p97 ft4">3. inte tillhandahåller sådana andra betaltjänster som anges i 2 §, och</P>
<P class="p140 ft39">4. informerar kunden om even- tuella uttagsavgifter eller växelkurs i 4 kap. 3, 4, 7 och 8 §§ innan uttaget görs och när kontanterna lämnas ut.</P>
<P class="p141 ft68">Undantag för vissa betalningstransaktioner</P>
<P class="p142 ft3">7 §<SPAN class="ft43">5</SPAN></P>
<P class="p96 ft3">Denna lag gäller inte betalningstransaktioner som</P>
<P class="p51 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">sker med pappersbaserade instrument som checkar, växlar, kuponger, resecheckar, postanvisningar eller utbetalningsavier,</SPAN></P>
<P class="p51 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">består av icke yrkesmässig insamling och leverans av kontanter inom ramen för ideell verksamhet eller välgörenhet,</SPAN></P>
<P class="p143 ft7"><SPAN class="ft44">5 </SPAN>Senaste lydelse 2013:582.</P>
<P class="p102 ft3">20</P>
</DIV>
<DIV id="page_21">
<DIV>
<DIV id="id_1">
<P class="p144 ft3">3. genomförs mellan deltagare i ett system för avveckling av betal- ningar eller värdepapper,</P>
<P class="p145 ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft48">genomförs mellan betaltjänstleverantörer, deras ombud eller filialer för egen räkning,</SPAN></P>
<P class="p145 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft51">uteslutande sker i kontanter direkt från betalaren till betalnings- mottagaren, utan medverkan av någon mellanhand,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD colspan=4 class="tr15 td60"><P class="p62 ft3">6. sker från betalaren till betal-</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft3">6. sker från betalaren till betal-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p62 ft3">ningsmottagaren genom en han-</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft3">ningsmottagaren genom en han-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td117"><P class="p3 ft6">delskommissionär, eller</P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td118"><P class="p3 ft6">delskommissionär,</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p17 ft4">handelsagent</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft6">eller</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p93 ft4">liknande</P></TD>
<TD colspan=4 class="tr16 td76"><P class="p17 ft4">uppdragstagare,</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft4">som för endast betalarens eller</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td17"><P class="p3 ft4">betalningsmottagarens</P></TD>
<TD colspan=2 class="tr16 td104"><P class="p17 ft4">räkning</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft4">förhandlar eller ingår avtal om</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft4">köp eller försäljning av varor eller</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td58"><P class="p3 ft4">tjänster,</P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft6">7. avser förvaltning, inlösen eller</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft6">7. avser förvaltning, inlösen eller</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p62 ft3">försäljning av finansiella instru-</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft3">försäljning av finansiella instru-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft6">ment, vilka genomförs av de per-</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft6">ment, vilka genomförs av de per-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft6">soner som deltar i ett system för</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft6">soner som deltar i ett system för</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p62 ft5">avveckling enligt 3 samt av värde-</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft5">avveckling enligt 3 samt av värde-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td47"><P class="p3 ft7">pappersföretag,</P></TD>
<TD class="tr16 td31"><P class="p72 ft5">kreditinstitut,</P></TD>
<TD class="tr16 td82"><P class="p62 ft6">fond-</P></TD>
<TD colspan=6 class="tr16 td117"><P class="p3 ft5">pappersföretag, kreditinstitut,</P></TD>
<TD class="tr16 td68"><P class="p17 ft6">fond-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft6">bolag,</P></TD>
<TD colspan=2 class="tr16 td121"><P class="p3 ft6">förvaltningsbolag,</P></TD>
<TD class="tr16 td82"><P class="p62 ft6">AIF-</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p3 ft6">bolag,</P></TD>
<TD colspan=4 class="tr16 td121"><P class="p3 ft6">förvaltningsbolag,</P></TD>
<TD class="tr16 td68"><P class="p17 ft6">AIF-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p62 ft7">förvaltare, i fråga om specialfonder,</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft3">förvaltare, i fråga om special-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft6">som tillhandahåller investerings-</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft6">fonder, som tillhandahåller inves-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft7">tjänster samt andra företag som har</P></TD>
<TD colspan=4 class="tr16 td118"><P class="p3 ft5">teringstjänster samt</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p17 ft6">andra företag</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft3">tillstånd</P></TD>
<TD class="tr15 td66"><P class="p41 ft3">att</P></TD>
<TD colspan=2 class="tr15 td77"><P class="p62 ft3">förvara finansiella</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft3">som har tillstånd att förvara</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td47"><P class="p3 ft6">instrument<SPAN class="ft4">.</SPAN></P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td117"><P class="p3 ft6">finansiella instrument<SPAN class="ft4">, eller</SPAN></P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td118"><P class="p90 ft4">8. genomförs via</P></TD>
<TD class="tr16 td33"><P class="p3 ft4">en</P></TD>
<TD colspan=2 class="tr16 td104"><P class="p17 ft41">leverantör</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft41">av elektroniska kommunikationsnät</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft4">eller</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p1 ft41">elektroniska</P></TD>
<TD colspan=4 class="tr16 td76"><P class="p17 ft41">kommunikations-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td58"><P class="p3 ft4">tjänster</P></TD>
<TD class="tr16 td119"><P class="p74 ft4">vilken</P></TD>
<TD colspan=3 class="tr16 td122"><P class="p93 ft4">fungerar</P></TD>
<TD class="tr16 td68"><P class="p17 ft4">som</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td76"><P class="p3 ft4">mellanhand, om</P></TD>
<TD colspan=4 class="tr15 td76"><P class="p17 ft4">betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft4">aktionerna faktureras på leveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td118"><P class="p3 ft4">törens faktura och</P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft4">a) avser inköp av digitalt inne-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft4">håll</P></TD>
<TD colspan=4 class="tr16 td112"><P class="p146 ft4">och röstbaserade</P></TD>
<TD colspan=2 class="tr16 td104"><P class="p17 ft4">tjänster,</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft4">eller</P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft4">b) genomförs från eller via elek-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft4">tronisk utrustning för välgören-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft4">hetsändamål eller för inköp av</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td58"><P class="p3 ft4">biljetter<SPAN class="ft3">.</SPAN></P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft4">En förutsättning för undantag</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft4">enligt första stycket 8 är att värdet</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft4">på de enskilda betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft4">aktionerna inte överstiger ett</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft4">belopp motsvarande 50 euro och</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td117"><P class="p3 ft4">betalningstransaktionernas</P></TD>
<TD class="tr15 td68"><P class="p17 ft4">sam-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft4">manlagda värde för en abonnent</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft4">inte</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p3 ft4">överstiger</P></TD>
<TD class="tr16 td120"><P class="p3 ft4">ett</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p70 ft4">belopp</P></TD>
<TD class="tr16 td68"><P class="p17 ft4">mot-</P></TD>
</TR>
<TR>
<TD class="tr20 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr20 td61"><P class="p3 ft4">svarande 300 euro per månad.</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">21</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_22">
<P class="p147 ft3">Prop. 2017/18:77 Denna lag gäller inte heller transaktioner som genomförs mellan ett moderföretag och dess dotterföretag eller mellan dotterföretag till ett och samma moderföretag, utom när en annan betaltjänstleverantör än ett företag i samma grupp medverkar som mellanhand.</P>
<TABLE cellpadding=0 cellspacing=0 class="t29">
<TR>
<TD class="tr19 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr19 td124"><P class="p71 ft69">Anmälningsskyldighet</P></TD>
<TD class="tr19 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td49"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td122"><P class="p71 ft4">9 §</P></TD>
<TD class="tr27 td125"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td127"><P class="p17 ft4">Den som driver sådan verksam-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td127"><P class="p71 ft4">het som avses i 6 a § 1 ska anmäla</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td49"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td122"><P class="p71 ft4">detta till</P></TD>
<TD colspan=3 class="tr15 td128"><P class="p3 ft41">Finansinspektionen</P></TD>
<TD class="tr15 td27"><P class="p27 ft4">om</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td127"><P class="p71 ft4">det sammanlagda värdet av de</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td124"><P class="p71 ft4">betalningstransaktioner</P></TD>
<TD class="tr16 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p27 ft4">som</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td49"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td122"><P class="p71 ft4">genomförts</P></TD>
<TD class="tr15 td125"><P class="p73 ft4">under</P></TD>
<TD class="tr15 td126"><P class="p3 ft4">de</P></TD>
<TD colspan=2 class="tr15 td90"><P class="p17 ft4">senaste</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td127"><P class="p71 ft4">tolv månaderna överstiger ett be-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td127"><P class="p71 ft4">lopp motsvarande en miljon euro.</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td127"><P class="p17 ft4">Den som driver sådan verksam-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td127"><P class="p71 ft4">het som avses i 7 § första stycket 8</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td127"><P class="p71 ft41">ska anmäla detta till Finansinspek-</P></TD>
</TR>
<TR>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td49"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td122"><P class="p71 ft4">tionen.</P></TD>
<TD class="tr20 td125"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr31 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr31 td64"><P class="p71 ft69">Registrering</P></TD>
<TD class="tr31 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td49"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td122"><P class="p71 ft4">10 §</P></TD>
<TD class="tr27 td125"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td64"><P class="p148 ft4">Finansinspektionen</P></TD>
<TD class="tr16 td126"><P class="p71 ft4">ska</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p27 ft4">regist-</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td127"><P class="p71 ft4">rera den som har gjort en anmälan</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td127"><P class="p71 ft4">enligt 9 § om förutsättningarna för</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td124"><P class="p71 ft4">undantag är uppfyllda.</P></TD>
<TD class="tr16 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td127"><P class="p17 ft4">Bestämmelser om register finns i</P></TD>
</TR>
<TR>
<TD class="tr28 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td49"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td122"><P class="p71 ft4">8 kap. 5 §.</P></TD>
<TD class="tr28 td125"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr27 td124"><P class="p71 ft69">Tvingande bestämmelser i</P></TD>
<TD class="tr27 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr28 td124"><P class="p71 ft69">konsumentförhållanden</P></TD>
<TD class="tr28 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td49"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td122"><P class="p71 ft4">11 §</P></TD>
<TD class="tr27 td125"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td127"><P class="p27 ft4">Avtalsvillkor som i jämförelse</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td127"><P class="p71 ft4">med bestämmelserna i denna lag</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td127"><P class="p71 ft4">är till nackdel för en konsument är</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td127"><P class="p71 ft4">utan verkan mot denne, om inte</P></TD>
</TR>
<TR>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td49"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td64"><P class="p71 ft4">annat anges i lagen.</P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td5"><P class="p149 ft42">2 kap.</P></TD>
<TD class="tr29 td125"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p150 ft5">1 §</P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td129"><P class="p151 ft3">För att tillhandahålla en eller flera betaltjänster krävs tillstånd av</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td129"><P class="p152 ft5">Finansinspektionen, om inte något annat framgår av 2 eller 3 §. När det</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td129"><P class="p152 ft5">gäller svenska tillhandahållare av betaltjänster, får tillstånd ges endast</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td130"><P class="p152 ft5">ett svenskt aktiebolag eller en svensk ekonomisk förening.</P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p151 ft6">Särskilda bestämmelser om</P></TD>
<TD class="tr16 td122"><P class="p148 ft7">Särskilda</P></TD>
<TD colspan=3 class="tr16 td128"><P class="p153 ft6">bestämmelser</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">om</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td49"><P class="p152 ft6">utländska företag hemmahörande</P></TD>
<TD colspan=5 class="tr16 td127"><P class="p71 ft5">utländska företag hemmahörande</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td49"><P class="p152 ft3">inom EES finns i 3 kap. 26 <SPAN class="ft4">och</SPAN></P></TD>
<TD colspan=4 class="tr15 td131"><P class="p71 ft5">inom EES finns i 3 kap. 26 §.</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td6"><P class="p17 ft7">22</P></TD>
<TD class="tr28 td49"><P class="p152 ft4">27 <SPAN class="ft3">§</SPAN>§<SPAN class="ft3">.</SPAN></P></TD>
<TD class="tr28 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td125"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_23">
<TABLE cellpadding=0 cellspacing=0 class="t30">
<TR>
<TD class="tr1 td60"><P class="p154 ft3">2 §<SPAN class="ft43">6</SPAN></P></TD>
<TD class="tr1 td132"><P class="p155 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td133"><P class="p3 ft3">Tillstånd enligt denna lag behövs inte för</P></TD>
</TR>
<TR>
<TD class="tr21 td60"><P class="p3 ft62"><SPAN class="ft23">1. </SPAN>banker och kreditmarknads-</P></TD>
<TD class="tr21 td132"><P class="p3 ft62"><SPAN class="ft23">1. </SPAN>kreditinstitut<SPAN class="ft23">,</SPAN></P></TD>
</TR>
</TABLE>
<P class="p156 ft4">företag enligt lagen (2004:297) om bank- och finansieringsrörelse<SPAN class="ft3">,</SPAN></P>
<P class="p57 ft5"><SPAN class="ft5">2.</SPAN><SPAN class="ft55">institut för elektroniska pengar och de företag som har undantagits från tillståndsplikt enligt lagen (2011:755) om elektroniska pengar,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">statliga och kommunala myndigheter, när de inte ägnar sig åt myndighetsutövning,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t24">
<TR height=0>
<TD width=35px></TD>
<TD width=43px></TD>
<TD width=37px></TD>
<TD width=90px></TD>
<TD width=78px></TD>
<TD width=37px></TD>
<TD width=73px></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td91"><P class="p90 ft5">4. utländska</P></TD>
<TD colspan=2 class="tr28 td134"><P class="p62 ft3">fysiska och juri-</P></TD>
<TD class="tr28 td91"><P class="p90 ft5">4. utländska</P></TD>
<TD colspan=2 class="tr28 td121"><P class="p17 ft3">fysiska och juri-</P></TD>
</TR>
<TR>
<TD class="tr15 td135"><P class="p3 ft3">diska</P></TD>
<TD colspan=2 class="tr15 td136"><P class="p157 ft7">personer samt</P></TD>
<TD class="tr15 td137"><P class="p62 ft3">myndigheter</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p3 ft5">diska personer samt myndigheter</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6">inom EES, motsvarande dem i <NOBR>1–3</NOBR></P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft7">inom EES, motsvarande dem i <NOBR>1–3</NOBR></P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6">med undantag av sådana fysiska</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft5">med undantag av sådana fysiska</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p3 ft3">eller juridiska personer som har</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p3 ft3">eller juridiska personer som har</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td91"><P class="p3 ft6">undantagits</P></TD>
<TD class="tr16 td23"><P class="p21 ft6">från</P></TD>
<TD class="tr16 td137"><P class="p62 ft5">tillståndsplikt</P></TD>
<TD class="tr16 td91"><P class="p3 ft6">undantagits</P></TD>
<TD class="tr16 td23"><P class="p3 ft6">från</P></TD>
<TD class="tr16 td138"><P class="p17 ft5">tillståndsplikt</P></TD>
</TR>
<TR>
<TD class="tr16 td135"><P class="p3 ft6">enligt</P></TD>
<TD colspan=2 class="tr16 td136"><P class="p21 ft6">nationella</P></TD>
<TD class="tr16 td137"><P class="p62 ft7">bestämmelser</P></TD>
<TD colspan=2 class="tr16 td139"><P class="p3 ft6">enligt nationella</P></TD>
<TD class="tr16 td138"><P class="p17 ft7">bestämmelser</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p3 ft4"><SPAN class="ft3">som genomför </SPAN>Europaparlamentets</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p3 ft41"><SPAN class="ft5">som genomför </SPAN>betaltjänstdirektivet<SPAN class="ft5">,</SPAN></P></TD>
</TR>
<TR>
<TD colspan=4 class="tr21 td60"><P class="p3 ft62">och rådets direktiv 2007/64/EG<SPAN class="ft23">,</SPAN></P></TD>
<TD class="tr21 td91"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td23"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td138"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p57 ft5">5. Europeiska centralbanken och nationella centralbanker i andra EES- länder, när de inte agerar i egenskap av monetär eller offentlig myndig-</P>
<TABLE cellpadding=0 cellspacing=0 class="t24">
<TR>
<TD class="tr28 td140"><P class="p3 ft3">het,</P></TD>
<TD class="tr28 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td108"><P class="p90 ft6">6. postgiroinstitut</P></TD>
<TD class="tr16 td20"><P class="p3 ft6">inom</P></TD>
<TD class="tr16 td81"><P class="p62 ft5">EES</P></TD>
<TD colspan=2 class="tr16 td139"><P class="p90 ft6">6. postgiroinstitut</P></TD>
<TD class="tr16 td142"><P class="p74 ft6">inom</P></TD>
<TD class="tr16 td135"><P class="p17 ft6">EES</P></TD>
</TR>
<TR>
<TD class="tr15 td140"><P class="p3 ft3">som enligt</P></TD>
<TD class="tr15 td9"><P class="p72 ft3">nationell</P></TD>
<TD colspan=2 class="tr15 td35"><P class="p62 ft3">lagstiftning</P></TD>
<TD class="tr15 td141"><P class="p3 ft3">som enligt</P></TD>
<TD colspan=3 class="tr15 td143"><P class="p17 ft3">nationell lagstiftning</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6">har rätt att tillhandahålla betal-</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft6">har rätt att tillhandahålla betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td140"><P class="p3 ft5">tjänster, <SPAN class="ft41">och</SPAN></P></TD>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft6">tjänster,</P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td140"><P class="p90 ft3">7. filialer</P></TD>
<TD colspan=2 class="tr15 td110"><P class="p3 ft3">till kreditinstitut</P></TD>
<TD class="tr15 td81"><P class="p62 ft3">från</P></TD>
<TD class="tr15 td141"><P class="p90 ft3">7. filialer</P></TD>
<TD colspan=2 class="tr15 td35"><P class="p3 ft4"><SPAN class="ft3">till </SPAN>utländska</P></TD>
<TD class="tr15 td135"><P class="p17 ft5">kredit-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td108"><P class="p3 ft6">länder utanför EES<SPAN class="ft4">.</SPAN></P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft6">institut från länder utanför EES<SPAN class="ft4">,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td140"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft4">och</P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td141"><P class="p90 ft4">8. filialer</P></TD>
<TD colspan=3 class="tr15 td143"><P class="p17 ft4">till institut för elek-</P></TD>
</TR>
<TR>
<TD class="tr16 td140"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td139"><P class="p3 ft4">troniska pengar</P></TD>
<TD class="tr16 td142"><P class="p3 ft4">från</P></TD>
<TD class="tr16 td135"><P class="p17 ft41">länder</P></TD>
</TR>
<TR>
<TD class="tr20 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td139"><P class="p3 ft4">utanför EES.</P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p158 ft3">3 §</P>
<P class="p12 ft3">En fysisk eller juridisk person får ansöka hos Finansinspektionen om att undantas från tillståndsplikt enligt 1 §. Inspektionen ska besluta om ett sådant undantag om</P>
<P class="p57 ft70">1. genomsnittet av de totala betalningstransaktionerna under de senaste 12 månaderna inte överstiger ett belopp motsvarande 3 miljoner euro per</P>
<TABLE cellpadding=0 cellspacing=0 class="t24">
<TR>
<TD class="tr28 td60"><P class="p3 ft3">månad,</P></TD>
<TD class="tr28 td61"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p90 ft6">2. den som ska ingå i ett bolags</P></TD>
<TD class="tr16 td61"><P class="p17 ft6">2. den som ska ingå i ett bolags</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">eller en förenings styrelse, vara</P></TD>
<TD class="tr15 td61"><P class="p17 ft3">eller en förenings styrelse, vara</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">verkställande direktör eller ansvarig</P></TD>
<TD class="tr16 td61"><P class="p17 ft7">verkställande direktör eller ansvarig</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">för betaltjänstverksamheten inte har</P></TD>
<TD class="tr16 td61"><P class="p17 ft7">för betaltjänstverksamheten inte har</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">dömts för brott som rör <SPAN class="ft4">penning-</SPAN></P></TD>
<TD class="tr15 td61"><P class="p17 ft7">dömts för brott som rör finansiering</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6"><SPAN class="ft4">tvätt, </SPAN>finansiering av terrorism eller</P></TD>
<TD class="tr16 td61"><P class="p17 ft41"><SPAN class="ft5">av terrorism </SPAN>eller penningtvätt <SPAN class="ft5">eller</SPAN></P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft3">annan ekonomisk brottslighet,</P></TD>
<TD class="tr20 td61"><P class="p159 ft7">annan ekonomisk brottslighet,</P></TD>
</TR>
<TR>
<TD class="tr32 td60"><P class="p3 ft7"><SPAN class="ft44">6 </SPAN>Senaste lydelse 2011:775.</P></TD>
<TD class="tr32 td61"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p160 ft3">23</P>
</DIV>
<DIV id="page_24">
<P class="p161 ft3">Prop. 2017/18:77 3. det finns skäl att anta att den planerade verksamheten kommer att drivas enligt tillämpliga delar av denna lag och andra författningar som reglerar verksamheten,</P>
<P class="p162 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft33">det för juridiska personer finns skäl att anta att den som har ett kvalificerat innehav i företaget är lämplig att utöva ett väsentligt inflytande över ledningen av företaget, och</SPAN></P>
<P class="p162 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft33">den som ska ingå i ett företags styrelse, vara verkställande direktör, ansvarig för betaltjänstverksamheten eller vara ersättare för någon av dem, har tillräcklig insikt och erfarenhet för att delta i ledningen av företaget eller ansvara för betaltjänstverksamheten och även i övrigt är lämplig för en sådan uppgift.</SPAN></P>
<P class="p163 ft3">Vid bedömningen av om villkoret enligt första stycket 1 är uppfyllt, ska hänsyn även tas till de förväntade totala betalningstransaktionerna i företagets affärsplan.</P>
<P class="p124 ft4">Första stycket gäller inte den som tillhandahåller betalnings- initieringstjänster.</P>
<P class="p164 ft4">Den som endast tillhandahåller kontoinformationstjänster ska undantas från tillståndsplikt om villkoren i första stycket 2, 3 och 5 är uppfyllda och den fysiska eller juridiska personen har en ansvars- försäkring som täcker det geograf- iska område inom vilket verksam- heten drivs eller annan jämförbar garanti som täcker den skade- ståndsskyldighet som kan upp- komma till följd av verksamheten.</P>
<P class="p165 ft3">6 §</P>
<P class="p69 ft3">Tillstånd att tillhandahålla betaltjänster ska ges, om</P>
<P class="p162 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">bolagsordningen eller stadgarna inte strider mot denna lag eller någon annan författning,</SPAN></P>
<P class="p162 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">det finns skäl att anta att den planerade verksamheten kommer att drivas</SPAN></P>
<P class="p163 ft3">a) med tillräckliga styr- och kontrollformer för verksamheten med betaltjänster, och</P>
<P class="p163 ft6">b) i enlighet med denna lag och andra författningar som reglerar företagets verksamhet,</P>
<P class="p162 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft33">det finns skäl att anta att den som har ett kvalificerat innehav i företaget är lämplig att utöva ett väsentligt inflytande över ledningen av företaget,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t13">
<TR>
<TD class="tr20 td144"><P class="p21 ft3">4. den som ska ingå i företagets</P></TD>
<TD class="tr20 td72"><P class="p17 ft3">4. den som ska ingå i företagets</P></TD>
</TR>
<TR>
<TD class="tr16 td144"><P class="p21 ft6">styrelse, vara verkställande direktör</P></TD>
<TD class="tr16 td72"><P class="p17 ft7">styrelse, vara verkställande direktör</P></TD>
</TR>
<TR>
<TD class="tr16 td144"><P class="p21 ft6">eller vara ersättare för någon av</P></TD>
<TD class="tr16 td72"><P class="p17 ft6">eller vara ersättare för någon av</P></TD>
</TR>
<TR>
<TD class="tr15 td144"><P class="p21 ft3">dem, är lämplig för en sådan upp-</P></TD>
<TD class="tr15 td72"><P class="p27 ft4"><SPAN class="ft3">dem, </SPAN>har tillräcklig insikt och</P></TD>
</TR>
<TR>
<TD class="tr16 td144"><P class="p166 ft6">gift, <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr16 td72"><P class="p27 ft4">erfarenhet för att delta i ledningen</P></TD>
</TR>
<TR>
<TD class="tr16 td144"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td72"><P class="p17 ft4">av ett sådant företag och även i</P></TD>
</TR>
<TR>
<TD class="tr15 td144"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td72"><P class="p27 ft5"><SPAN class="ft41">övrigt </SPAN>är lämplig för en sådan upp-</P></TD>
</TR>
<TR>
<TD class="tr28 td144"><P class="p167 ft7">24</P></TD>
<TD class="tr28 td72"><P class="p168 ft3">gift,</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_25">
<TABLE cellpadding=0 cellspacing=0 class="t31">
<TR>
<TD class="tr1 td60"><P class="p62 ft3">5. den som är ansvarig för betal-</P></TD>
<TD colspan=3 class="tr1 td145"><P class="p169 ft3">5. den som är ansvarig för betal-</P></TD>
<TD class="tr1 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft5">tjänstverksamheten eller ersättare</P></TD>
<TD class="tr15 td146"><P class="p3 ft5">tjänstverksamheten</P></TD>
<TD class="tr15 td68"><P class="p170 ft7">eller</P></TD>
<TD class="tr15 td31"><P class="p169 ft7">ersättare</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">för denna person <SPAN class="ft41">är lämplig </SPAN>för en</P></TD>
<TD colspan=3 class="tr16 td145"><P class="p169 ft6">för denna person <SPAN class="ft4">har tillräcklig</SPAN></P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft6">sådan uppgift och <SPAN class="ft4">har tillräcklig</SPAN></P></TD>
<TD colspan=3 class="tr16 td145"><P class="p169 ft4">insikt och erfarenhet <SPAN class="ft6">för en sådan</SPAN></P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p171 ft41">insikt och erfarenhet.</P></TD>
<TD colspan=3 class="tr15 td145"><P class="p169 ft4"><SPAN class="ft3">uppgift</SPAN>, och även i övrigt är</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td147"><P class="p3 ft41">lämplig för uppgiften, och</P></TD>
<TD class="tr16 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p90 ft4">6. företaget, om</P></TD>
<TD class="tr16 td68"><P class="p172 ft41">det</P></TD>
<TD class="tr16 td31"><P class="p169 ft4">ska till-</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p173 ft4">handahålla betalningsinitierings- tjänster eller endast kontoinforma- tionstjänster, har en ansvars- försäkring som täcker det geo- grafiska område inom vilket före- taget driver sin verksamhet, eller annan jämförbar garanti som täcker den skadeståndsskyldighet som kan uppkomma till följd av verksamheten.</P>
<P class="p174 ft3">I fråga om europabolag och europakooperativ som har ett sådant förvaltningssystem som avses i artiklarna <NOBR>39–42</NOBR> i rådets förordning (EG) nr 2157/2001 av den 8 oktober 2001 om stadga för europabolag eller artiklarna <NOBR>37–41</NOBR> i rådets förordning (EG) nr 1435/2003 av den 22 juli 2003 om stadga för europeiska kooperativa föreningar <NOBR>(SCE-föreningar)</NOBR> ska bestämmelserna som avser styrelsen i första stycket 4 om lämplighets- prövning tillämpas på tillsynsorganet.</P>
<P class="p175 ft42"><SPAN class="ft42">3</SPAN><SPAN class="ft71">kap.</SPAN></P>
<P class="p176 ft3">1 §</P>
<P class="p13 ft3">Ett betalningsinstitut ska när det påbörjar sin verksamhet ha ett start-</P>
<TABLE cellpadding=0 cellspacing=0 class="t32">
<TR>
<TD colspan=13 class="tr28 td148"><P class="p3 ft5">kapital som vid tidpunkten för beslut i fråga om tillstånd motsvarar</P></TD>
<TD class="tr28 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td149"><P class="p90 ft6">1. minst</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p134 ft7">20 000 euro,</P></TD>
<TD class="tr16 td92"><P class="p71 ft6">om</P></TD>
<TD class="tr16 td23"><P class="p62 ft6">till-</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p90 ft6">1. minst</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p177 ft7">20 000 euro,</P></TD>
<TD class="tr16 td92"><P class="p71 ft6">om</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">till-</P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft7">ståndet</P></TD>
<TD colspan=3 class="tr16 td87"><P class="p178 ft5">omfattar</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p62 ft7">betaltjänster</P></TD>
<TD class="tr16 td81"><P class="p3 ft5">ståndet</P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td122"><P class="p3 ft6">omfattar</P></TD>
<TD colspan=3 class="tr16 td122"><P class="p17 ft7">betaltjänster</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td77"><P class="p3 ft3">enligt 1 kap. 2 § <SPAN class="ft4">5</SPAN>,</P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td77"><P class="p3 ft3">enligt 1 kap. 2 § <SPAN class="ft4">6</SPAN>,</P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td149"><P class="p90 ft6">2. minst</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p134 ft7">50 000 euro,</P></TD>
<TD class="tr16 td92"><P class="p71 ft6">om</P></TD>
<TD class="tr16 td23"><P class="p62 ft6">till-</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p90 ft6">2. minst</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p177 ft7">50 000 euro,</P></TD>
<TD class="tr16 td92"><P class="p71 ft6">om</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">till-</P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft7">ståndet</P></TD>
<TD colspan=3 class="tr16 td87"><P class="p178 ft5">omfattar</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p62 ft7">betaltjänster</P></TD>
<TD class="tr16 td81"><P class="p3 ft5">ståndet</P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td122"><P class="p3 ft6">omfattar</P></TD>
<TD colspan=3 class="tr16 td122"><P class="p17 ft7">betaltjänster</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td77"><P class="p3 ft3">enligt 1 kap. 2 § <SPAN class="ft4">6</SPAN>,</P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td152"><P class="p3 ft3">enligt 1 kap. 2 § <SPAN class="ft4">7</SPAN>, <SPAN class="ft4">eller</SPAN></P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td149"><P class="p90 ft6">3. minst</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p179 ft7">125 000 euro,</P></TD>
<TD class="tr16 td92"><P class="p74 ft6">om</P></TD>
<TD class="tr16 td23"><P class="p62 ft6">till-</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p90 ft6">3. minst</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p180 ft7">125 000 euro,</P></TD>
<TD class="tr16 td92"><P class="p74 ft6">om</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">till-</P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft7">ståndet</P></TD>
<TD colspan=2 class="tr16 td153"><P class="p41 ft6">omfattar</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p181 ft7">någon</P></TD>
<TD colspan=2 class="tr16 td98"><P class="p62 ft6">av betal-</P></TD>
<TD class="tr16 td81"><P class="p3 ft5">ståndet</P></TD>
<TD colspan=2 class="tr16 td154"><P class="p182 ft5">omfattar</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p3 ft6">någon</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p17 ft6">av betal-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr20 td155"><P class="p3 ft7">tjänsterna enligt 1 kap. 2 § <NOBR>1–<SPAN class="ft72">4</SPAN>.</NOBR></P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr20 td155"><P class="p3 ft7">tjänsterna enligt 1 kap. 2 § <NOBR>1–<SPAN class="ft72">5</SPAN>.</NOBR></P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td91"><P class="p183 ft3">2 §<SPAN class="ft43">7</SPAN></P></TD>
<TD class="tr29 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td142"><P class="p90 ft3">Ett</P></TD>
<TD colspan=4 class="tr15 td156"><P class="p181 ft7">betalningsinstitut</P></TD>
<TD class="tr15 td92"><P class="p71 ft3">ska</P></TD>
<TD class="tr15 td23"><P class="p62 ft3">vid</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p90 ft3">Ett betalningsinstitut ska vid</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">varje tidpunkt ha en kapitalbas</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft6">varje tidpunkt ha en kapitalbas</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">som motsvarar minst startkapitalet</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft7">som motsvarar minst startkapitalet</P></TD>
</TR>
<TR>
<TD class="tr15 td142"><P class="p3 ft3">enligt</P></TD>
<TD class="tr15 td94"><P class="p76 ft3">1 §</P></TD>
<TD class="tr15 td34"><P class="p180 ft3">eller</P></TD>
<TD class="tr15 td70"><P class="p74 ft3">ett</P></TD>
<TD colspan=3 class="tr15 td47"><P class="p62 ft3">kapitalkrav</P></TD>
<TD class="tr15 td81"><P class="p3 ft3">enligt</P></TD>
<TD colspan=2 class="tr15 td154"><P class="p134 ft3">1 § eller</P></TD>
<TD class="tr15 td70"><P class="p74 ft3">ett</P></TD>
<TD colspan=3 class="tr15 td122"><P class="p17 ft3">kapitalkrav</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">beräknat enligt 3 eller 4 §. Betal-</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft6">beräknat enligt 3 eller 4 §. Betal-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr20 td155"><P class="p3 ft5">ningsinstitutets kapitalbas får</P></TD>
<TD class="tr20 td23"><P class="p62 ft5">inte</P></TD>
<TD colspan=6 class="tr20 td155"><P class="p3 ft5">ningsinstitutets kapitalbas får</P></TD>
<TD class="tr20 td13"><P class="p17 ft5">inte</P></TD>
</TR>
</TABLE>
<P class="p184 ft7"><SPAN class="ft44">7 </SPAN>Senaste lydelse 2014:988.</P>
<P class="p14 ft3">25</P>
</DIV>
<DIV id="page_26">
<DIV id="tx1"><SPAN class="ft5">underskrida det högsta av dessa två belopp. </SPAN><SPAN class="ft41">Om betalningsinstitutet endast tillhandahåller betalnings- initieringstjänster gäller enbart kravet att institutet vid varje tidpunkt ska ha en kapitalbas som motsvarar minst startkapitalet enligt 1 §.</SPAN></DIV>
<DIV id="tx2"><SPAN class="ft40">Vid beräkningen av kapitalbasen </SPAN><SPAN class="ft39">tillämpas tillsynsförordningen</SPAN><SPAN class="ft40">. </SPAN><SPAN class="ft39">Minst 75 procent av primärkapitalet ska vara i form av kärnprimärkapital, och supplementärkapitalet får uppgå till högst en tredjedel av primär- kapitalet.</SPAN></DIV>
<P class="p66 ft3">Prop. 2017/18:77 underskrida det högsta av dessa två belopp.</P>
<P class="p185 ft4"><SPAN class="ft3">Vid beräkningen av kapital- basen </SPAN>och dess sammansättning gäller Europaparlamentets och rådets förordning (EU) nr 575/2013 av den 26 juni 2013 om tillsynskrav för kreditinstitut och värdepappersföretag och om ändring av förordning (EU) nr 648/2012<SPAN class="ft3">.</SPAN></P>
<P class="p163 ft6">Ett betalningsinstitut som tillhör samma grupp som ett annat betal- ningsinstitut, eller ett kreditinstitut, ett värdepappersföretag, ett fond- bolag, ett försäkringsföretag, en <NOBR>AIF-förvaltare</NOBR> som förvaltar special- fonder eller ett institut för elektroniska pengar får inte vid beräkning av kapitalbasen ta med sådana poster som ingår i beräkningen av något av dessa företags kapitalbas.</P>
<P class="p186 ft3">Ett betalningsinstitut som driver annan verksamhet i enlighet med 5 § får inte vid beräkningen av kapitalbasen ta med sådana poster som ingår i beräkningen av kapitalbasen i sådan annan verksamhet.</P>
<P class="p163 ft3">För ett betalningsinstitut som har bytt redovisningsvaluta gäller att kapitalbasen inte får understiga det högsta av de belopp som följer av 6 och 7 §§ lagen (2000:35) om byte av redovisningsvaluta i finansiella företag.</P>
<P class="p187 ft3">6 §</P>
<P class="p163 ft3">Ett betalningsinstitut eller en registrerad betaltjänstleverantör får i sin verksamhet med betaltjänster inte</P>
<P class="p162 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">ta emot insättningar eller andra återbetalningspliktiga medel från allmänheten, eller</SPAN></P>
<P class="p162 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">erbjuda andra konton än betalkonton som uteslutande används för betalningstransaktioner.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t33">
<TR>
<TD class="tr15 td60"><P class="p21 ft3">Ett betalningsinstitut eller en</P></TD>
<TD class="tr15 td72"><P class="p17 ft3">Ett betalningsinstitut eller en</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft7">registrerad betaltjänstleverantör får</P></TD>
<TD class="tr16 td72"><P class="p27 ft7">registrerad betaltjänstleverantör får</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft5">i sin verksamhet med betaltjänster</P></TD>
<TD class="tr15 td72"><P class="p27 ft7">i sin verksamhet med betaltjänster</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">bevilja kredit för sådana betal-</P></TD>
<TD class="tr16 td72"><P class="p27 ft6">bevilja kredit för sådana betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft7">tjänster som avses i 1 kap. 2 § <SPAN class="ft72">2, 3,</SPAN></P></TD>
<TD class="tr16 td72"><P class="p27 ft5">tjänster som avses i 1 kap. 2 § 4</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p188 ft5">4 eller <SPAN class="ft41">6 </SPAN>om</P></TD>
<TD class="tr16 td72"><P class="p189 ft5">eller <SPAN class="ft41">5 </SPAN>om</P></TD>
</TR>
</TABLE>
<P class="p162 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">krediten endast utnyttjas i samband med genomförande av en betalningstransaktion,</SPAN></P>
<P class="p162 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">krediten inte beviljas ur medel som innehas för att genomföra en betalningstransaktion, och</SPAN></P>
<P class="p190 ft40"><SPAN class="ft5">3.</SPAN><SPAN class="ft73">kredit via betalningsinstrument som lämnats inom ramen för gräns- överskridande verksamhet inom EES återbetalas inom 12 månader.</SPAN></P>
<P class="p15 ft3">26</P>
</DIV>
<DIV id="page_27">
<DIV>
<DIV id="id_1">
<P class="p82 ft3">Betalningsinstitut får endast bevilja kredit enligt andra stycket om institutets kapitalbas är tillfredsställande med hänsyn till det totala kredit- beloppet.</P>
<TABLE cellpadding=0 cellspacing=0 class="t34">
<TR>
<TD class="tr22 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td122"><P class="p3 ft3">7 §</P></TD>
<TD class="tr22 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td143"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p90 ft6">Ett</P></TD>
<TD colspan=2 class="tr16 td112"><P class="p3 ft6">betalningsinstitut</P></TD>
<TD class="tr16 td123"><P class="p17 ft6">eller en</P></TD>
<TD colspan=3 class="tr16 td157"><P class="p27 ft6">Ett betalningsinstitut eller en</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td138"><P class="p3 ft6">registrerad</P></TD>
<TD colspan=2 class="tr16 td139"><P class="p17 ft6">betaltjänstleverantör</P></TD>
<TD colspan=2 class="tr16 td84"><P class="p191 ft6">registrerad</P></TD>
<TD class="tr16 td143"><P class="p27 ft6">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td61"><P class="p3 ft5">ska vidta särskilda åtgärder för att</P></TD>
<TD colspan=3 class="tr15 td157"><P class="p27 ft3">ska vidta särskilda åtgärder för att</P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft7">skydda</P></TD>
<TD class="tr16 td135"><P class="p90 ft6">en</P></TD>
<TD colspan=2 class="tr16 td139"><P class="p17 ft7">betaltjänstanvändares</P></TD>
<TD class="tr16 td122"><P class="p191 ft6">skydda</P></TD>
<TD class="tr16 td27"><P class="p1 ft6">en</P></TD>
<TD class="tr16 td143"><P class="p27 ft7">betaltjänstanvändares</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p3 ft6">medel som mottagits för genom-</P></TD>
<TD colspan=3 class="tr16 td157"><P class="p17 ft6">medel som mottagits för genom-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td61"><P class="p3 ft7">förande av betalningstransaktioner</P></TD>
<TD class="tr15 td122"><P class="p191 ft3">förande</P></TD>
<TD class="tr15 td27"><P class="p3 ft3">av</P></TD>
<TD class="tr15 td143"><P class="p27 ft7">betalningstransaktioner.</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p3 ft4">och som överstiger ett belopp</P></TD>
<TD colspan=3 class="tr16 td157"><P class="p191 ft6">Sådana medel ska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td138"><P class="p3 ft4">motsvarande</P></TD>
<TD class="tr16 td140"><P class="p90 ft4">300 euro<SPAN class="ft6">.</SPAN></P></TD>
<TD class="tr16 td123"><P class="p17 ft6">Sådana</P></TD>
<TD class="tr16 td122"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td143"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td138"><P class="p3 ft6">medel ska</P></TD>
<TD class="tr16 td140"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td143"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p82 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">hållas avskilda från betalningsinstitutets eller den registrerade betaltjänstleverantörens egna tillgångar och medel som innehas för annans räkning än betaltjänstanvändares, eller</SPAN></P>
<P class="p82 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">omfattas av en försäkring eller garanti som ger samma skydd för betaltjänstanvändaren som om medlen hålls åtskilda enligt 1.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR height=0>
<TD width=36px></TD>
<TD width=21px></TD>
<TD width=25px></TD>
<TD width=89px></TD>
<TD width=34px></TD>
<TD width=81px></TD>
<TD width=54px></TD>
<TD width=41px></TD>
<TD width=12px></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td154"><P class="p90 ft3">Medel</P></TD>
<TD class="tr15 td70"><P class="p146 ft3">för</P></TD>
<TD class="tr15 td15"><P class="p70 ft3">genomförande</P></TD>
<TD class="tr15 td74"><P class="p62 ft3">av</P></TD>
<TD class="tr15 td106"><P class="p90 ft3">Medel för</P></TD>
<TD colspan=2 class="tr15 td107"><P class="p70 ft3">genomförande</P></TD>
<TD class="tr15 td100"><P class="p17 ft3">av</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft5">transaktioner enligt första stycket 1,</P></TD>
<TD class="tr16 td106"><P class="p3 ft6">transaktioner</P></TD>
<TD class="tr16 td158"><P class="p191 ft6">enligt</P></TD>
<TD colspan=2 class="tr16 td9"><P class="p17 ft6">första</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">som fortfarande innehas av betal-</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft5">stycket 1, som fortfarande innehas</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">ningsinstitutet eller den registre-</P></TD>
<TD colspan=2 class="tr15 td159"><P class="p3 ft3">av betalningsinstitutet</P></TD>
<TD colspan=2 class="tr15 td9"><P class="p17 ft3">eller den</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft6">rade</P></TD>
<TD colspan=3 class="tr16 td159"><P class="p3 ft6">betaltjänstleverantören</P></TD>
<TD class="tr16 td74"><P class="p62 ft6">vid</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft7">registrerade betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">slutet av bankdagen efter den dag</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft6">vid slutet av bankdagen efter den</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">då medlen mottogs, ska deponeras</P></TD>
<TD colspan=4 class="tr15 td61"><P class="p3 ft3">dag då medlen mottogs, ska</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">på ett särskilt konto hos <SPAN class="ft4">en svensk</SPAN></P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft7">deponeras på ett särskilt konto hos</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft4">bank,</P></TD>
<TD class="tr16 td33"><P class="p3 ft4">ett</P></TD>
<TD colspan=3 class="tr16 td160"><P class="p62 ft41">svenskt kreditmarknads-</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft41">ett kreditinstitut <SPAN class="ft5">eller </SPAN>ett <SPAN class="ft5">utländskt</SPAN></P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft4">företag <SPAN class="ft3">eller utländskt </SPAN>bank- eller</P></TD>
<TD class="tr15 td106"><P class="p3 ft4">kreditinstitut</P></TD>
<TD colspan=2 class="tr15 td107"><P class="p3 ft3">eller investeras</P></TD>
<TD class="tr15 td100"><P class="p17 ft3">i</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr21 td47"><P class="p3 ft62">kreditföretag</P></TD>
<TD colspan=2 class="tr21 td77"><P class="p62 ft23">eller investeras i</P></TD>
<TD colspan=3 class="tr21 td101"><P class="p3 ft23">likvida tillgångar med låg risk.</P></TD>
<TD class="tr21 td100"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p15 ft6">likvida tillgångar med låg risk.</P>
<P class="p89 ft64">Första och andra styckena gäller även i de fall då ett betalningsinstitut eller en registrerad betaltjänstleverantör tar emot medel där en andel ska användas för framtida betalningstransaktioner och återstoden för andra tjänster än betaltjänster. Om det inte går att fastställa hur stor andel av användares medel som kommer att användas till betalningstransak- tionerna, får ett betalningsinstitut eller en registrerad betaltjänstleveran- tör, om det är möjligt att på grundval av historiska uppgifter och efter tillstånd av Finansinspektionen, göra en uppskattning av denna andel.</P>
<P class="p192 ft3">9 §<SPAN class="ft43">8</SPAN></P>
<P class="p193 ft64">Ett betalningsinstitut ska ha minst en revisor som utses av stämman. Bara den som är auktoriserad eller godkänd revisor får vara revisor. Minst en revisor som stämman utsett ska vara auktoriserad revisor.</P>
<P class="p132 ft50">Ett europakooperativ ska upp- rätta årsredovisning och, i före- kommande fall, koncernredovis-</P>
<P class="p194 ft7"><SPAN class="ft44">8 </SPAN>Senaste lydelse 2013:234. Ändringen innebär att andra stycket tas bort.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">27</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_28">
<P class="p195 ft4"><SPAN class="ft3">Prop. 2017/18:77 </SPAN>ning i enlighet med de bestäm- melser i lagen (1995:1559) om årsredovisning i kreditinstitut och värdepappersbolag som är tillämp- liga på betalningsinstitut som drivs i ekonomisk förening.</P>
<TABLE cellpadding=0 cellspacing=0 class="t35">
<TR>
<TD class="tr22 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td163"><P class="p196 ft3">13 §<SPAN class="ft43">9</SPAN></P></TD>
<TD class="tr22 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td164"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft6">Bestämmelser om skyldighet för</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft6">Bestämmelser om skyldighet för</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft6">fysiska</P></TD>
<TD colspan=2 class="tr16 td164"><P class="p3 ft6">eller</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p71 ft6">juridiska</P></TD>
<TD class="tr16 td78"><P class="p21 ft6">personer</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft6">fysiska eller juridiska personer</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p21 ft7">som tillhandahåller betaltjänster att</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft7">som tillhandahåller betaltjänster att</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td165"><P class="p3 ft6">medverka</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p3 ft6">till</P></TD>
<TD class="tr16 td135"><P class="p146 ft6">att</P></TD>
<TD class="tr16 td78"><P class="p21 ft6">förhindra</P></TD>
<TD class="tr16 td166"><P class="p3 ft6">medverka</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p36 ft6">till</P></TD>
<TD class="tr16 td11"><P class="p3 ft6">att</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p27 ft6">förhindra</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td165"><P class="p3 ft6">penningtvätt</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p71 ft6">och</P></TD>
<TD colspan=2 class="tr16 td167"><P class="p21 ft6">finansiering av</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft6">penningtvätt och finansiering av</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p21 ft3">terrorism finns i lagen (2017:630)</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft3">terrorism finns i lagen (2017:630)</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft5">om åtgärder mot penningtvätt och</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft5">om åtgärder mot penningtvätt och</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td111"><P class="p3 ft5">finansiering av terrorism.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft6">finansiering av terrorism. <SPAN class="ft4">Av den</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p27 ft4">lagen framgår att bestämmelserna</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">inte gäller för registrerade betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft4">tjänstleverantörer som endast till-</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td87"><P class="p3 ft4">handahåller</P></TD>
<TD colspan=4 class="tr15 td88"><P class="p27 ft41">kontoinformations-</P></TD>
</TR>
<TR>
<TD class="tr28 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td166"><P class="p3 ft4">tjänster.</P></TD>
<TD class="tr28 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td164"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr27 td163"><P class="p197 ft3">17 §<SPAN class="ft43">10</SPAN></P></TD>
<TD class="tr27 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td164"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft6">Om ett betalningsinstitut eller en</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft6">Om ett betalningsinstitut eller en</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft7">registrerad betaltjänstleverantör vill</P></TD>
<TD class="tr16 td166"><P class="p3 ft7">registrerad</P></TD>
<TD colspan=5 class="tr16 td168"><P class="p27 ft6">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td165"><P class="p3 ft7">tillhandahålla</P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td169"><P class="p21 ft7">betaltjänster genom</P></TD>
<TD colspan=4 class="tr15 td77"><P class="p3 ft3">vill tillhandahålla</P></TD>
<TD colspan=2 class="tr15 td78"><P class="p27 ft7">betaltjänster</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft7">ombud, ska betalningsinstitutet eller</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft6">genom ombud, ska betalnings-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft7">den registrerade betaltjänstleveran-</P></TD>
<TD class="tr16 td166"><P class="p3 ft6">institutet</P></TD>
<TD class="tr16 td105"><P class="p179 ft6">eller</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p130 ft6">den</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p17 ft7">registrerade</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p21 ft3">tören anmäla ombudet för regist-</P></TD>
<TD colspan=4 class="tr15 td77"><P class="p3 ft7">betaltjänstleverantören</P></TD>
<TD colspan=2 class="tr15 td78"><P class="p27 ft3">anmäla</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">rering hos Finansinspektionen.</P></TD>
<TD class="tr16 td166"><P class="p3 ft6">ombudet</P></TD>
<TD class="tr16 td105"><P class="p182 ft6">för</P></TD>
<TD colspan=3 class="tr16 td138"><P class="p198 ft6">registrering</P></TD>
<TD class="tr16 td164"><P class="p17 ft6">hos</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td77"><P class="p3 ft6">Finansinspektionen.</P></TD>
<TD class="tr16 td135"><P class="p199 ft6">En</P></TD>
<TD class="tr16 td164"><P class="p17 ft7">sådan</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft7">anmälan behöver inte göras när det</P></TD>
</TR>
<TR>
<TD colspan=5 rowspan=2 class="tr27 td111"><P class="p31 ft5">Anmälan ska innehålla</P></TD>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr28 td72"><P class="p3 ft3">gäller kontoinformationstjänster<SPAN class="ft4">.</SPAN></P></TD>
</TR>
<TR>
<TD class="tr30 td78"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td166"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td105"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td33"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td135"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td164"><P class="p3 ft74"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr28 td60"><P class="p21 ft3">1. ombudets namn, adress <SPAN class="ft4">samt</SPAN></P></TD>
<TD colspan=2 class="tr28 td87"><P class="p31 ft3">1. ombudets</P></TD>
<TD colspan=2 class="tr28 td142"><P class="p3 ft3">namn,</P></TD>
<TD colspan=2 class="tr28 td78"><P class="p17 ft3">adress <SPAN class="ft4">och</SPAN></P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">personnummer eller motsvarande,</P></TD>
<TD colspan=2 class="tr16 td87"><P class="p3 ft7">personnummer</P></TD>
<TD colspan=4 class="tr16 td88"><P class="p17 ft6">eller motsvarande</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">samt ombudets unika identi-</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td128"><P class="p3 ft4">fikationskod eller</P></TD>
<TD colspan=3 class="tr15 td43"><P class="p17 ft41">identifikations-</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft41">nummer om sådana uppgifter finns<SPAN class="ft5">,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p31 ft6">2. om</P></TD>
<TD colspan=3 class="tr16 td158"><P class="p1 ft6">ombudet</P></TD>
<TD class="tr16 td135"><P class="p72 ft6">är en</P></TD>
<TD class="tr16 td78"><P class="p21 ft6">juridisk</P></TD>
<TD colspan=3 class="tr16 td128"><P class="p31 ft6">2. om ombudet</P></TD>
<TD class="tr16 td11"><P class="p1 ft6">är</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p17 ft6">en juridisk</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p21 ft5">person, dessutom namn, person-</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft5">person, dessutom namn, person-</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft6">nummer</P></TD>
<TD colspan=2 class="tr16 td164"><P class="p71 ft6">eller</P></TD>
<TD colspan=3 class="tr16 td169"><P class="p21 ft6">motsvarande samt</P></TD>
<TD colspan=2 class="tr16 td87"><P class="p3 ft6">nummer eller</P></TD>
<TD colspan=3 class="tr16 td138"><P class="p76 ft7">motsvarande</P></TD>
<TD class="tr16 td164"><P class="p17 ft6">samt</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft7">adress för <SPAN class="ft72">de </SPAN>som ingår i ombudets</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft6">adress för <SPAN class="ft4">var och en </SPAN>som ingår i</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft3">styrelse</P></TD>
<TD colspan=2 class="tr15 td164"><P class="p70 ft3">eller</P></TD>
<TD class="tr15 td162"><P class="p31 ft3">är</P></TD>
<TD colspan=2 class="tr15 td167"><P class="p21 ft3">verkställande</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft3">ombudets styrelse eller är <SPAN class="ft4">dess</SPAN></P></TD>
</TR>
<TR>
<TD class="tr28 td46"><P class="p3 ft3">direktör,</P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr28 td77"><P class="p3 ft5">verkställande direktör,</P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td164"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p200 ft7"><SPAN class="ft44">9 </SPAN>Senaste lydelse 2017:652.</P>
<P class="p201 ft75"><SPAN class="ft44">10 </SPAN>Senaste lydelse 2017:652.</P>
<P class="p15 ft3">28</P>
</DIV>
<DIV id="page_29">
<DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=2 class="tr2 td136"><P class="p90 ft3">3. uppgifter</P></TD>
<TD class="tr2 td165"><P class="p170 ft3">som visar</P></TD>
<TD class="tr2 td120"><P class="p3 ft3">att</P></TD>
<TD class="tr2 td135"><P class="p62 ft3">de</P></TD>
<TD colspan=3 class="tr2 td136"><P class="p90 ft3">3. uppgifter</P></TD>
<TD class="tr2 td74"><P class="p182 ft7">som</P></TD>
<TD class="tr2 td142"><P class="p146 ft3">visar</P></TD>
<TD class="tr2 td120"><P class="p3 ft3">att</P></TD>
<TD class="tr2 td120"><P class="p17 ft3">de</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">personer som avses i 2 är lämpliga</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft7">personer som avses i 2 är lämpliga</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">för en sådan uppgift eller, om</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft6">för en sådan uppgift eller, om</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">ombudet är en fysisk person, att</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft6">ombudet är en fysisk person, att</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">han eller hon är lämplig att till-</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft3">han eller hon är lämplig att till-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td42"><P class="p3 ft6">handahålla betaltjänster, <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td170"><P class="p3 ft6">handahålla betaltjänster,</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td136"><P class="p90 ft5">4. ombudets</P></TD>
<TD colspan=2 class="tr16 td137"><P class="p177 ft6">interna regler</P></TD>
<TD class="tr16 td135"><P class="p62 ft6">för</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p90 ft5">4. ombudets</P></TD>
<TD colspan=3 class="tr16 td137"><P class="p74 ft6">interna regler</P></TD>
<TD class="tr16 td120"><P class="p17 ft6">för</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">hur ombudet ska leva upp till de</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft3">hur ombudet ska leva upp till de</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">krav som anges i lagen (2017:630)</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft7">krav som anges i lagen (2017:630)</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">om åtgärder mot penningtvätt och</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft5">om åtgärder mot penningtvätt och</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td170"><P class="p3 ft3">finansiering av terrorism<SPAN class="ft4">.</SPAN></P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td42"><P class="p3 ft3">finansiering av terrorism<SPAN class="ft4">, och</SPAN></P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td136"><P class="p90 ft4">5. uppgifter</P></TD>
<TD class="tr16 td74"><P class="p202 ft4">om</P></TD>
<TD class="tr16 td142"><P class="p72 ft4">vilka</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft4">tjänster ombudet har i uppdrag att</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td136"><P class="p3 ft41">tillhandahålla.</P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p90 ft6">Om anmälan uppfyller kraven i</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p90 ft6">Om anmälan uppfyller kraven i</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">andra stycket ska Finansinspek-</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft5">andra stycket ska Finansinspek-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">tionen registrera ombudet i det</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft3">tionen registrera ombudet i det</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft6">register</P></TD>
<TD class="tr16 td23"><P class="p90 ft6">som</P></TD>
<TD colspan=2 class="tr16 td137"><P class="p177 ft7">inspektionen</P></TD>
<TD class="tr16 td135"><P class="p62 ft6">för</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft6">register som inspektionen för</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td170"><P class="p3 ft6">enligt 8 kap. 5 §.</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft5">enligt 8 kap. 5 §. <SPAN class="ft41">Beslut i fråga om</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft4">registrering ska fattas inom två</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft4">månader från det att anmälan togs</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft4">emot.</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td78"><P class="p90 ft4">Ombudet</P></TD>
<TD colspan=2 class="tr15 td73"><P class="p3 ft4">får inte</P></TD>
<TD colspan=3 class="tr15 td18"><P class="p17 ft41">tillhandahålla</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td78"><P class="p3 ft41">betaltjänster</P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p179 ft41">innan</P></TD>
<TD colspan=3 class="tr16 td18"><P class="p17 ft4">registrering</P></TD>
</TR>
<TR>
<TD class="tr20 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr20 td42"><P class="p3 ft4">enligt tredje stycket har gjorts.</P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td31"><P class="p183 ft3">18 §</P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p90 ft6">Om</P></TD>
<TD colspan=3 class="tr16 td134"><P class="p3 ft6">ett betalningsinstitut</P></TD>
<TD class="tr16 td135"><P class="p62 ft6">vill</P></TD>
<TD class="tr16 td65"><P class="p90 ft6">Om</P></TD>
<TD class="tr16 td94"><P class="p3 ft6">ett</P></TD>
<TD colspan=4 class="tr16 td88"><P class="p1 ft6">betalningsinstitut</P></TD>
<TD class="tr16 td120"><P class="p17 ft6">vill</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td136"><P class="p3 ft3">tillhandahålla</P></TD>
<TD class="tr15 td165"><P class="p172 ft7">betaltjänster</P></TD>
<TD colspan=2 class="tr15 td9"><P class="p62 ft7">genom</P></TD>
<TD colspan=3 class="tr15 td136"><P class="p3 ft3">tillhandahålla</P></TD>
<TD colspan=2 class="tr15 td165"><P class="p3 ft3">betaltjänster</P></TD>
<TD colspan=2 class="tr15 td34"><P class="p17 ft7">genom</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">ombud i ett annat land inom EES,</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft5">ombud i ett annat land inom EES,</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">ska betalningsinstitutet underrätta</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft5">ska betalningsinstitutet underrätta</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td42"><P class="p3 ft5">Finansinspektionen om detta.</P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft5">Finansinspektionen om detta. <SPAN class="ft41">Det-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft4">samma gäller om en registrerad</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft41">betaltjänstleverantör vill tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft4">hålla</P></TD>
<TD colspan=6 class="tr15 td171"><P class="p17 ft4">kontoinformationstjänster</P></TD>
</TR>
<TR>
<TD class="tr21 td20"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td23"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td165"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td120"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td135"><P class="p3 ft22"> </P></TD>
<TD colspan=3 class="tr21 td136"><P class="p3 ft62">genom ombud<SPAN class="ft23">.</SPAN></P></TD>
<TD class="tr21 td74"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td142"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td120"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td120"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_1_2">
<DIV id="id_1_2_1">
<P class="p103 ft6">Underrättelsen ska innehålla</P>
<P class="p80 ft4"><SPAN class="ft5">1.</SPAN><SPAN class="ft52">en plan för den avsedda verk- samheten med uppgift om om- budets organisation och de tjänster som ombudet avser att tillhandahålla</SPAN><SPAN class="ft3">, </SPAN>och</P>
<P class="p203 ft50"><SPAN class="ft5">2.</SPAN><SPAN class="ft67">uppgifter om ombudets namn och adress samt dess ansvariga ledning.</SPAN></P>
<P class="p204 ft50">Innan Finansinspektionen bes- lutar att registrera ombudet enligt 8 kap. 5 §, ska inspektionen</P>
</DIV>
<DIV id="id_1_2_2">
<P class="p205 ft50"><SPAN class="ft5">1.</SPAN><SPAN class="ft49">uppgifter om betaltjänstlever- antörens namn och adress</SPAN><SPAN class="ft76">,</SPAN></P>
<P class="p206 ft56"><SPAN class="ft5">2.</SPAN><SPAN class="ft77">uppgift om i vilket land verksamheten ska drivas, och</SPAN></P>
<P class="p207 ft50"><SPAN class="ft4">3.</SPAN><SPAN class="ft49">de uppgifter som anges i 17 § andra stycket.</SPAN></P>
<P class="p208 ft50">Betaltjänstleverantören ska underrätta Finansinspektionen om vilken dag tillhandahållandet av</P>
</DIV>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">29</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_30">
<DIV>
<DIV id="id_1">
<P class="p209 ft4"><SPAN class="ft3">Prop. 2017/18:77 </SPAN>underrätta den behöriga myn- digheten i det andra landet. Underrättelsen ska innehålla upp- gifterna enligt andra stycket. Finansinspektionen får vägra att registrera ombud eller återkalla en utförd registrering, om den behöriga myndigheten i det andra landet har skälig anledning att anta att penningtvätt eller finan- siering av terrorism äger rum eller har ägt rum eller har försökt genomföras i anknytning till om- budet, eller om anlitandet av om- budet kan öka risken för penning- tvätt eller finansiering av terror- ism.</P>
<P class="p210 ft3">30</P>
</DIV>
<DIV id="id_2">
<P class="p211 ft56">betaltjänster genom ombudet påbörjas i det andra landet.</P>
<P class="p212 ft4">18 a §</P>
<P class="p213 ft4">Inom en månad från det att en underrättelse enligt 18 § första eller tredje stycket togs emot ska Finansinspektionen lämna över den till den behöriga myndigheten i det land där ombudet ska verka.</P>
<P class="p214 ft4">Finansinspektionen ska inom tre månader från det att en under- rättelse enligt 18 § första stycket togs emot underrätta den behöriga myndigheten i det andra landet och betaltjänstleverantören om sitt beslut i fråga om registrering. Om Finansinspektionen och den behöriga myndigheten i det andra landet inte har samma uppfattning i frågan om registrering, ska underrättelsen även innehålla skälen för beslutet.</P>
<P class="p215 ft4">Finansinspektionen ska vägra att registrera ett ombud eller åter- kalla en utförd registrering, om det inte är lämpligt att betaltjänst- leverantören anlitar ombudet. Finansinspektionen ska vid denna bedömning beakta den information som inspektionen tagit emot från den behöriga myndigheten i det andra landet.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_31">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD colspan=7 class="tr22 td172"><P class="p3 ft79"><SPAN class="ft78">Svenska </SPAN>betalningsinstituts</P></TD>
<TD class="tr22 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td92"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr22 td61"><P class="p3 ft79"><SPAN class="ft78">Svenska </SPAN>betaltjänstleverantörers</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr24 td174"><P class="p3 ft78">filialverksamhet inom EES</P></TD>
<TD class="tr24 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td92"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr24 td42"><P class="p3 ft42">filialverksamhet inom EES</P></TD>
<TD class="tr24 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr33 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr33 td141"><P class="p216 ft3">19 §</P></TD>
<TD class="tr33 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p90 ft3">Ett</P></TD>
<TD colspan=5 class="tr15 td76"><P class="p1 ft7">betalningsinstitut</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p217 ft3">som</P></TD>
<TD colspan=2 class="tr15 td20"><P class="p28 ft7">avser</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p36 ft5">Ett betalningsinstitut som avser</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft6">att</P></TD>
<TD colspan=4 class="tr16 td62"><P class="p3 ft6">tillhandahålla</P></TD>
<TD colspan=5 class="tr16 td175"><P class="p28 ft6">betaltjänster</P></TD>
<TD colspan=4 class="tr16 td118"><P class="p146 ft6">att tillhandahålla</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p17 ft6">betaltjänster</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft6">genom en filial i ett annat land</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p146 ft6">genom en filial i ett annat land</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr15 td60"><P class="p3 ft3">inom EES ska underrätta Finans-</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p146 ft5">inom EES ska underrätta Finans-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td31"><P class="p3 ft6">inspektionen</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p3 ft6">innan</P></TD>
<TD colspan=5 class="tr16 td175"><P class="p28 ft5">verksamheten</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p146 ft6">inspektionen</P></TD>
<TD class="tr16 td34"><P class="p218 ft6">innan</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p17 ft7">verksamheten</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4"><SPAN class="ft6">påbörjas. </SPAN>Underrättelsen ska inne-</P></TD>
<TD colspan=2 class="tr16 td149"><P class="p146 ft6">påbörjas.</P></TD>
<TD colspan=4 class="tr16 td176"><P class="p3 ft4">Detsamma gäller</P></TD>
<TD class="tr16 td120"><P class="p17 ft4">en</P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft4">hålla</P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td149"><P class="p146 ft41">registrerad</P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td118"><P class="p17 ft41">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p90 ft4">1. en plan för den avsedda verk-</P></TD>
<TD class="tr16 td177"><P class="p146 ft4">som</P></TD>
<TD colspan=2 class="tr16 td23"><P class="p3 ft4">avser</P></TD>
<TD class="tr16 td34"><P class="p28 ft4">att</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p17 ft41">tillhandahålla</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">samheten med uppgift om filialens</P></TD>
<TD colspan=5 class="tr16 td124"><P class="p146 ft4">kontoinformationstjänster</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p17 ft41">genom</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr15 td60"><P class="p3 ft4">organisation och de tjänster som</P></TD>
<TD class="tr15 td177"><P class="p146 ft4">filial.</P></TD>
<TD class="tr15 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td178"><P class="p3 ft41">den avser att tillhandahålla, och</P></TD>
<TD class="tr16 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td31"><P class="p90 ft4">2. uppgifter</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p75 ft4">om</P></TD>
<TD class="tr16 td151"><P class="p3 ft4">i</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p217 ft41">vilket</P></TD>
<TD colspan=2 class="tr16 td20"><P class="p28 ft4">land</P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=10 class="tr15 td60"><P class="p3 ft4">filialen ska inrättas samt om fili-</P></TD>
<TD class="tr15 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">alens adress och ansvariga led-</P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft4">ning.</P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft46"> </P></TD>
<TD colspan=6 rowspan=2 class="tr25 td42"><P class="p36 ft41">Underrättelsen ska innehålla</P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td154"><P class="p90 ft4">Innan</P></TD>
<TD class="tr15 td13"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td179"><P class="p28 ft4">Finansinspektionen</P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td154"><P class="p3 ft4">beslutar</P></TD>
<TD class="tr16 td13"><P class="p3 ft4">att</P></TD>
<TD colspan=4 class="tr16 td18"><P class="p75 ft4">registrera</P></TD>
<TD colspan=3 class="tr16 td158"><P class="p28 ft4">filialen</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p36 ft4">1. uppgifter</P></TD>
<TD class="tr16 td34"><P class="p157 ft4">om</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p17 ft4">betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">enligt 8 kap. 5 §, ska inspektionen</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p146 ft4">leverantörens namn och adress,</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr15 td60"><P class="p3 ft4">underrätta den behöriga myn-</P></TD>
<TD colspan=3 class="tr15 td57"><P class="p36 ft4">2. uppgift</P></TD>
<TD class="tr15 td34"><P class="p157 ft4">om i</P></TD>
<TD class="tr15 td81"><P class="p90 ft41">vilket</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p17 ft4">land</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">digheten i det andra landet.</P></TD>
<TD colspan=4 class="tr16 td118"><P class="p146 ft4">filialen ska inrättas,</P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">Underrättelsen ska innehålla upp-</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p36 ft4">3. uppgifter</P></TD>
<TD class="tr16 td34"><P class="p217 ft4">om</P></TD>
<TD class="tr16 td81"><P class="p74 ft4">vilka</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td154"><P class="p3 ft4">gifterna</P></TD>
<TD colspan=2 class="tr15 td65"><P class="p1 ft4">enligt</P></TD>
<TD colspan=3 class="tr15 td80"><P class="p70 ft4">första</P></TD>
<TD colspan=3 class="tr15 td158"><P class="p28 ft41">stycket.</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p146 ft4">tjänster filialen avser att till-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td118"><P class="p3 ft4">Finansinspektionen</P></TD>
<TD colspan=4 class="tr16 td55"><P class="p1 ft4">får vägra</P></TD>
<TD class="tr16 td92"><P class="p28 ft4">att</P></TD>
<TD colspan=4 class="tr16 td118"><P class="p146 ft4">handahålla, och</P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">registrera en filial eller återkalla</P></TD>
<TD colspan=4 class="tr16 td118"><P class="p36 ft4">4. en beskrivning</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p17 ft4">av filialens</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr15 td60"><P class="p3 ft4">en utförd registrering, om den</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p146 ft41">organisatoriska struktur och vilka</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">behöriga myndigheten i det andra</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p146 ft4">som är ansvariga för ledningen av</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">landet har skälig anledning att</P></TD>
<TD colspan=2 class="tr16 td149"><P class="p146 ft4">filialen.</P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=10 class="tr15 td60"><P class="p3 ft4">anta att penningtvätt eller finan-</P></TD>
<TD class="tr15 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">siering av terrorism äger rum eller</P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">har ägt rum eller har försökt</P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td31"><P class="p3 ft4">genomföras</P></TD>
<TD class="tr15 td27"><P class="p146 ft4">i</P></TD>
<TD colspan=4 class="tr15 td55"><P class="p3 ft4">anknytning</P></TD>
<TD class="tr15 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td92"><P class="p28 ft41">till</P></TD>
<TD class="tr15 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">filialen, eller om anlitandet av</P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft4">filialen kan öka risken för pen-</P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td154"><P class="p3 ft4">ningtvätt</P></TD>
<TD colspan=2 class="tr15 td65"><P class="p71 ft4">eller</P></TD>
<TD colspan=5 class="tr15 td57"><P class="p3 ft4">finansiering</P></TD>
<TD class="tr15 td92"><P class="p28 ft4">av</P></TD>
<TD class="tr15 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td154"><P class="p3 ft4">terrorism.</P></TD>
<TD class="tr28 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td92"><P class="p3 ft46"> </P></TD>
<TD colspan=5 rowspan=2 class="tr27 td124"><P class="p36 ft4">Betaltjänstleverantören</P></TD>
<TD class="tr28 td11"><P class="p3 ft46"> </P></TD>
<TD rowspan=2 class="tr27 td120"><P class="p17 ft41">ska</P></TD>
</TR>
<TR>
<TD class="tr30 td66"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td94"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td13"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td27"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td6"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td151"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td94"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td173"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td6"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td92"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft47"> </P></TD>
</TR>
<TR>
<TD class="tr28 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td92"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr28 td61"><P class="p146 ft41">underrätta Finansinspektionen om</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td177"><P class="p146 ft4">vilken</P></TD>
<TD class="tr16 td162"><P class="p146 ft4">dag</P></TD>
<TD colspan=4 class="tr16 td176"><P class="p41 ft41">tillhandahållandet</P></TD>
<TD class="tr16 td120"><P class="p17 ft4">av</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p146 ft4">betaltjänster genom filialen på-</P></TD>
</TR>
<TR>
<TD class="tr20 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr20 td124"><P class="p146 ft4">börjas i det andra landet.</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr29 td141"><P class="p216 ft3">20 §</P></TD>
<TD class="tr29 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=10 class="tr15 td60"><P class="p90 ft3">Inom en månad från det att en</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft3">Inom en månad från det att en</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft6">underrättelse enligt 19 § togs emot</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p3 ft6">underrättelse</P></TD>
<TD class="tr16 td34"><P class="p27 ft6">enligt</P></TD>
<TD class="tr16 td81"><P class="p130 ft6">19 §</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p17 ft4">första</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td60"><P class="p3 ft6">ska Finansinspektionen lämna över</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft4">eller tredje stycket <SPAN class="ft6">togs emot ska</SPAN></P></TD>
</TR>
<TR>
<TD colspan=10 class="tr15 td60"><P class="p3 ft3">den till den behöriga myndigheten</P></TD>
<TD colspan=4 class="tr15 td118"><P class="p3 ft3">Finansinspektionen</P></TD>
<TD class="tr15 td81"><P class="p74 ft3">lämna</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p17 ft3">över</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr28 td60"><P class="p3 ft3">i det land där filialen ska inrättas.</P></TD>
<TD colspan=7 class="tr28 td61"><P class="p17 ft5">den till den behöriga myndigheten</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">31</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_32">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td97"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr1 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr1 td72"><P class="p3 ft5">i det land där filialen ska inrättas.</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p31 ft41">Finansinspektionen ska inom tre</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">månader från det att en under-</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">rättelse enligt 19 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft41">togs emot underrätta den behöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">myndigheten i det andra landet</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft41">och betaltjänstleverantören om sitt</P></TD>
</TR>
<TR>
<TD class="tr15 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft4">beslut i fråga om registrering. Om</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td128"><P class="p3 ft41">Finansinspektionen</P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td68"><P class="p3 ft4">och</P></TD>
<TD class="tr16 td66"><P class="p17 ft4">den</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">behöriga myndigheten i det andra</P></TD>
</TR>
<TR>
<TD class="tr15 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft4">landet inte har samma uppfattning</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">i frågan om registrering, ska</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td137"><P class="p3 ft4">underrättelsen</P></TD>
<TD colspan=2 class="tr16 td23"><P class="p177 ft4">även</P></TD>
<TD class="tr16 td181"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td154"><P class="p17 ft4">innehålla</P></TD>
</TR>
<TR>
<TD class="tr15 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td128"><P class="p3 ft4">skälen för beslutet.</P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td134"><P class="p31 ft4">Finansinspektionen</P></TD>
<TD colspan=2 class="tr16 td68"><P class="p1 ft4">ska</P></TD>
<TD class="tr16 td66"><P class="p17 ft4">vägra</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">att registrera en filial eller åter-</P></TD>
</TR>
<TR>
<TD class="tr15 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft41">kalla en utförd registrering, om det</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">inte är lämpligt att betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td137"><P class="p3 ft4">leverantören</P></TD>
<TD colspan=3 class="tr16 td65"><P class="p182 ft41">inrättar</P></TD>
<TD colspan=2 class="tr16 td154"><P class="p17 ft4">filialen.</P></TD>
</TR>
<TR>
<TD class="tr15 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td128"><P class="p3 ft41">Finansinspektionen</P></TD>
<TD class="tr15 td33"><P class="p72 ft41">ska</P></TD>
<TD class="tr15 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p217 ft4">vid</P></TD>
<TD class="tr15 td66"><P class="p17 ft41">denna</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft41">bedömning beakta den information</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">som inspektionen tagit emot från</P></TD>
</TR>
<TR>
<TD class="tr15 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft4">den behöriga myndigheten i det</P></TD>
</TR>
<TR>
<TD class="tr28 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr28 td137"><P class="p3 ft4">andra landet.</P></TD>
<TD class="tr28 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td66"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr27 td183"><P class="p40 ft69"><SPAN class="ft42">Svenska </SPAN>betalningsinstituts</P></TD>
<TD class="tr27 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr27 td72"><P class="p3 ft69"><SPAN class="ft42">Svenska </SPAN>betaltjänstleverantörers</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td114"><P class="p40 ft80">gränsöverskridande verksamhet</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft78">gränsöverskridande verksamhet</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr20 td184"><P class="p40 ft42">inom EES</P></TD>
<TD class="tr20 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr20 td137"><P class="p3 ft42">inom EES</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td74"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr29 td91"><P class="p169 ft3">21 §</P></TD>
<TD class="tr29 td154"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td185"><P class="p219 ft5">Ett betalningsinstitut</P></TD>
<TD class="tr16 td74"><P class="p129 ft6">som</P></TD>
<TD class="tr16 td119"><P class="p21 ft7">avser</P></TD>
<TD class="tr16 td66"><P class="p31 ft6">Ett</P></TD>
<TD colspan=3 class="tr16 td76"><P class="p3 ft5">betalningsinstitut</P></TD>
<TD class="tr16 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p157 ft7">som</P></TD>
<TD class="tr16 td66"><P class="p27 ft6">avser</P></TD>
</TR>
<TR>
<TD class="tr15 td97"><P class="p40 ft3">att</P></TD>
<TD class="tr15 td180"><P class="p70 ft3">från</P></TD>
<TD class="tr15 td125"><P class="p31 ft3">Sverige</P></TD>
<TD colspan=3 class="tr15 td76"><P class="p21 ft3">tillhandahålla</P></TD>
<TD colspan=3 class="tr15 td128"><P class="p3 ft3">att från Sverige</P></TD>
<TD colspan=4 class="tr15 td43"><P class="p17 ft3">tillhandahålla</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td114"><P class="p40 ft6">betaltjänster i ett annat land inom</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft5">betaltjänster i ett annat land inom</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td114"><P class="p40 ft6">EES ska underrätta Finansinspek-</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft5">EES ska underrätta Finansinspek-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td114"><P class="p40 ft3">tionen innan verksamheten på-</P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft3">tionen innan verksamheten på-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td114"><P class="p40 ft4"><SPAN class="ft6">börjas. </SPAN>Underrättelsen ska inne-</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4"><SPAN class="ft6">börjas. </SPAN>Detsamma gäller en regist-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td42"><P class="p40 ft4">hålla</P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft4">rerad</P></TD>
<TD colspan=5 class="tr16 td77"><P class="p157 ft4">betaltjänstleverantör</P></TD>
<TD class="tr16 td66"><P class="p27 ft4">som</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td114"><P class="p21 ft4">1. en plan för den avsedda verk-</P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft4">avser att tillhandahålla konto-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td114"><P class="p40 ft4">samheten med uppgift om de tjäns-</P></TD>
<TD colspan=4 class="tr16 td134"><P class="p3 ft4">informationstjänster.</P></TD>
<TD class="tr16 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p40 ft4">ter</P></TD>
<TD class="tr16 td180"><P class="p3 ft4">som</P></TD>
<TD colspan=3 class="tr16 td121"><P class="p217 ft41">betalningsinstitutet</P></TD>
<TD class="tr16 td119"><P class="p21 ft4">avser</P></TD>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td154"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td185"><P class="p40 ft4">att tillhandahålla, och</P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td154"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td184"><P class="p219 ft4">2. uppgifter om</P></TD>
<TD class="tr16 td151"><P class="p3 ft4">i</P></TD>
<TD class="tr16 td74"><P class="p129 ft41">vilket</P></TD>
<TD class="tr16 td119"><P class="p21 ft4">land</P></TD>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td154"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr20 td183"><P class="p40 ft4">verksamheten ska bedrivas.</P></TD>
<TD class="tr20 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 rowspan=2 class="tr31 td72"><P class="p31 ft4">Underrättelsen ska innehålla</P></TD>
</TR>
<TR>
<TD class="tr30 td97"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td180"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td125"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td151"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td74"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td119"><P class="p3 ft47"> </P></TD>
</TR>
<TR>
<TD class="tr15 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td137"><P class="p31 ft4">1. uppgifter</P></TD>
<TD colspan=2 class="tr15 td23"><P class="p72 ft4">om</P></TD>
<TD colspan=3 class="tr15 td149"><P class="p27 ft41">betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">leverantörens namn och adress,</P></TD>
</TR>
<TR>
<TD class="tr15 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td128"><P class="p31 ft4">2. uppgift om</P></TD>
<TD colspan=3 class="tr15 td46"><P class="p218 ft4">i vilket</P></TD>
<TD class="tr15 td66"><P class="p27 ft4">land</P></TD>
</TR>
<TR>
<TD class="tr16 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">leverantören ska driva sin verk-</P></TD>
</TR>
<TR>
<TD class="tr20 td97"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr20 td137"><P class="p3 ft4">samhet, och</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td97"><P class="p1 ft3">32</P></TD>
<TD class="tr27 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td154"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td181"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td66"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_33">
<DIV id="tx1"><SPAN class="ft5">Om ett betalningsinstitut eller en registrerad betaltjänstleverantör avser att ändra den verksamhet som avses i 17</SPAN><SPAN class="ft41">, 18, </SPAN><SPAN class="ft5">19, 21 eller 23 § ska institutet eller leverantören underrätta Finansinspektionen innan ändringen genomförs.</SPAN></DIV>
<DIV id="tx2"><SPAN class="ft70">Om ändringen rör ett betalnings- instituts verksamhet i ett annat land, ska Finansinspektionen </SPAN><SPAN class="ft81">inom en månad från det att under- rättelsen togs emot </SPAN><SPAN class="ft70">underrätta den behöriga myndigheten i det andra landet om ändringen.</SPAN></DIV>
<DIV id="tx3"><SPAN class="ft5">Betalningsinstitut och regist- rerade betaltjänstleverantörer ska säkerställa att ombud som agerar för deras räkning informerar betal- tjänstanvändarna om detta förhål- lande. </SPAN><SPAN class="ft41">Detta gäller inte för konto- informationstjänster.</SPAN></DIV>
<DIV id="tx4"><SPAN class="ft5">Ett betalningsinstitut som </SPAN><SPAN class="ft41">driver </SPAN><SPAN class="ft5">betaltjänstverksamhet genom en filial enligt detta kapitel ska säkerställa att filialen informerar betaltjänstanvändarna om detta förhållande.</SPAN></DIV>
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD class="tr2 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td61"><P class="p90 ft4">3. uppgifter om vilka betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td61"><P class="p3 ft4">tjänster leverantören avser att till-</P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td61"><P class="p3 ft4">handahålla.</P></TD>
</TR>
<TR>
<TD class="tr27 td60"><P class="p3 ft69"><SPAN class="ft42">Svenska </SPAN>betalningsinstituts</P></TD>
<TD class="tr27 td61"><P class="p3 ft79"><SPAN class="ft78">Svenska </SPAN>betaltjänstleverantörers</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft42">filialverksamhet utanför EES</P></TD>
<TD class="tr20 td61"><P class="p3 ft42">filialverksamhet utanför EES</P></TD>
</TR>
</TABLE>
<P class="p220 ft3">23 §</P>
<P class="p89 ft40">Ett betalningsinstitut får efter tillstånd av Finansinspektionen inrätta en filial i ett land utanför EES. Ansökan om tillstånd ska innehålla</P>
<P class="p89 ft5"><SPAN class="ft5">1.</SPAN><SPAN class="ft55">en plan för den avsedda verksamheten med uppgifter om filialens organisation och de tjänster som den avser att tillhandahålla, och</SPAN></P>
<P class="p82 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">uppgifter om i vilket land filialen ska inrättas, om filialens adress och ansvariga ledning.</SPAN></P>
<P class="p221 ft39">Första stycket gäller även en registrerad betaltjänstleverantör som avser att endast tillhandahålla kontoinformationstjänster.</P>
<P class="p222 ft40">24 § Betalningsinstitut och registrerade</P>
<P class="p223 ft3">betaltjänstleverantörer ska säker- ställa att ombud som agerar för deras räkning informerar betal- tjänstanvändarna om detta förhål- lande.</P>
<P class="p224 ft3">Ett betalningsinstitut som <SPAN class="ft4">bedriv- er </SPAN>betaltjänstverksamhet genom en filial enligt detta kapitel ska säkerställa att filialen informerar betaltjänstanvändarna om detta förhållande.</P>
<P class="p225 ft3">25 § Om ett betalningsinstitut eller en</P>
<P class="p131 ft6">registrerad betaltjänstleverantör avser att ändra den verksamhet som avses i <NOBR>17<SPAN class="ft4">–</SPAN>19,</NOBR> 21 eller 23 § ska institutet eller leverantören underrätta Finansinspektionen innan ändringen genomförs.</P>
<P class="p226 ft3">Om ändringen rör ett betalnings- instituts verksamhet i ett annat land, ska Finansinspektionen underrätta den behöriga myndig- heten i det andra landet om änd- ringen.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">33</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_34">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr19 td186"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr19 td75"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr19 td187"><P class="p227 ft3">26 §</P></TD>
<TD class="tr19 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr19 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr19 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr19 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr19 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=10 class="tr15 td188"><P class="p219 ft5">Ett utländskt företag som hör hemma inom EES och som i hemlandet</P></TD>
</TR>
<TR>
<TD colspan=10 class="tr16 td188"><P class="p40 ft5">har tillstånd att tillhandahålla betaltjänster behöver inte tillstånd enligt</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td189"><P class="p40 ft5">2 kap. för att tillhandahålla betaltjänster i Sverige.</P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft4">Ett utländskt företag som hör</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">hemma inom EES och som i</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft4">hemlandet</P></TD>
<TD colspan=4 class="tr16 td167"><P class="p3 ft4">har undantagits</P></TD>
<TD class="tr16 td162"><P class="p17 ft4">från</P></TD>
</TR>
<TR>
<TD class="tr15 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p27 ft41">tillståndsplikt för att tillhandahålla</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft41">betaltjänster behöver inte tillstånd</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">enligt 2 kap. för att tillhandahålla</P></TD>
</TR>
<TR>
<TD class="tr15 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td191"><P class="p3 ft4">kontoinformationstjänster</P></TD>
<TD class="tr15 td162"><P class="p17 ft4">i</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft4">Sverige.</P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p219 ft6">Ett utländskt företag som avses i</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft5">Ett utländskt företag som avses i</P></TD>
</TR>
<TR>
<TD class="tr15 td186"><P class="p40 ft3">första</P></TD>
<TD class="tr15 td81"><P class="p179 ft41">stycket</P></TD>
<TD class="tr15 td75"><P class="p75 ft3">får</P></TD>
<TD class="tr15 td190"><P class="p21 ft3">tillhandahålla</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p27 ft4"><SPAN class="ft3">första </SPAN>och andra styckena <SPAN class="ft3">får</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td192"><P class="p40 ft6">betaltjänster genom</P></TD>
<TD class="tr16 td190"><P class="p21 ft6">ombud eller</P></TD>
<TD colspan=2 class="tr16 td18"><P class="p3 ft5">tillhandahålla</P></TD>
<TD colspan=4 class="tr16 td139"><P class="p17 ft6">betaltjänster genom</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft6">filial i Sverige<SPAN class="ft4">, </SPAN>efter det att</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft6">ombud eller filial i Sverige efter</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td114"><P class="p40 ft3">Finansinspektionen har tagit emot</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft7">det att Finansinspektionen har tagit</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4">en underrättelse <SPAN class="ft6">från den behöriga</SPAN></P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft6">emot <SPAN class="ft4">ett beslut </SPAN>från den behöriga</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4"><SPAN class="ft6">myndigheten i </SPAN>företagets hemland</P></TD>
<TD colspan=2 class="tr16 td18"><P class="p3 ft6">myndigheten</P></TD>
<TD class="tr16 td180"><P class="p182 ft6">i</P></TD>
<TD class="tr16 td67"><P class="p3 ft4">det</P></TD>
<TD class="tr16 td119"><P class="p90 ft4">land</P></TD>
<TD class="tr16 td162"><P class="p17 ft4">där</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td193"><P class="p40 ft4">som innehåller</P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft4">företaget hör hemma om att</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p219 ft4">1. en</P></TD>
<TD class="tr16 td81"><P class="p228 ft41">plan</P></TD>
<TD class="tr16 td75"><P class="p71 ft4">för</P></TD>
<TD class="tr16 td190"><P class="p21 ft4">den avsedda</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">ombudet eller filialen har registre-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4">verksamheten med uppgift om om-</P></TD>
<TD colspan=5 class="tr16 td191"><P class="p3 ft4">rats av den myndigheten.</P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td186"><P class="p40 ft4">budets</P></TD>
<TD colspan=3 class="tr15 td30"><P class="p21 ft4">eller filialens organisation</P></TD>
<TD class="tr15 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4">och de tjänster som ombudet eller</P></TD>
<TD class="tr16 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4">filialen avser att tillhandahålla,</P></TD>
<TD class="tr16 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td186"><P class="p40 ft4">och</P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td190"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td193"><P class="p219 ft4">2. uppgifter</P></TD>
<TD colspan=2 class="tr16 td77"><P class="p21 ft4">om ombudets eller</P></TD>
<TD class="tr16 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4">filialens adress och ansvariga</P></TD>
<TD class="tr16 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td193"><P class="p40 ft4">ledning.</P></TD>
<TD class="tr20 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td190"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr29 td187"><P class="p227 ft3">27 §</P></TD>
<TD class="tr29 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td114"><P class="p219 ft4">Ett utländskt företag som avses i</P></TD>
<TD colspan=5 class="tr15 td191"><P class="p31 ft4">När Finansinspektionen</P></TD>
<TD class="tr15 td162"><P class="p17 ft4">har</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4">26 § första stycket får tillhanda-</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">tagit emot en underrättelse från en</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4">hålla betaltjänster i Sverige från</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">myndighet i ett annat land inom</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td114"><P class="p40 ft4">sitt hemland så snart Finans-</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p27 ft4">EES om att ett utländskt företag</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4">inspektionen har tagit emot en</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">avser att tillhandahålla betal-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4">underrättelse från behörig myn-</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft41">tjänster i Sverige, ska inspektionen</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td114"><P class="p40 ft4">dighet i företagets hemland som</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p27 ft4">inom en månad lämna relevanta</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4">anger vilka tjänster betalnings-</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft41">uppgifter till den behöriga myndig-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td114"><P class="p40 ft4">institutet avser att tillhandahålla i</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft4">heten i det andra landet om det</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td193"><P class="p40 ft4">Sverige.</P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td190"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td122"><P class="p3 ft4">utländska</P></TD>
<TD colspan=3 class="tr15 td50"><P class="p146 ft4">företagets</P></TD>
<TD colspan=2 class="tr15 td140"><P class="p17 ft4">planerade</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td113"><P class="p3 ft4">tillhandahållande</P></TD>
<TD class="tr16 td67"><P class="p3 ft4">av</P></TD>
<TD colspan=2 class="tr16 td140"><P class="p17 ft41">betaltjänster</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft4">här i landet. Om betaltjänster ska</P></TD>
</TR>
<TR>
<TD class="tr15 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft4">tillhandahållas genom ett ombud</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">eller en filial, ska det av under-</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">rättelsen framgå om Finans-</P></TD>
</TR>
<TR>
<TD class="tr15 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p27 ft41">inspektionen har skälig anledning</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft4">att anta att anlitandet av filialen</P></TD>
</TR>
<TR>
<TD class="tr16 td186"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">eller ombudet kan öka risken för</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td186"><P class="p1 ft3">34</P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td190"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td18"><P class="p3 ft4">penningtvätt</P></TD>
<TD class="tr15 td180"><P class="p182 ft41">eller</P></TD>
<TD colspan=3 class="tr15 td84"><P class="p17 ft4">finansiering av</P></TD>
</TR>
<TR>
<TD class="tr28 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td190"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td122"><P class="p3 ft4">terrorism.</P></TD>
<TD class="tr28 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_35">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr2 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td48"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td194"><P class="p229 ft3">28 §</P></TD>
</TR>
<TR>
<TD class="tr15 td142"><P class="p90 ft3">Ett</P></TD>
<TD class="tr15 td48"><P class="p134 ft3">betalningsinstitut eller</P></TD>
<TD class="tr15 td135"><P class="p62 ft3">en</P></TD>
<TD class="tr15 td61"><P class="p17 ft3">Ett betalningsinstitut eller en</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">registrerad betaltjänstleverantör får</P></TD>
<TD class="tr16 td61"><P class="p17 ft7">registrerad betaltjänstleverantör får</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">uppdra åt någon annan att utföra</P></TD>
<TD class="tr16 td61"><P class="p17 ft7">uppdra åt någon annan att utföra ett</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft3">ett visst arbete eller vissa operativa</P></TD>
<TD class="tr15 td61"><P class="p17 ft3">visst arbete eller vissa operativa</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">funktioner som ingår i dess verk-</P></TD>
<TD class="tr16 td61"><P class="p17 ft6">funktioner som ingår i dess verk-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">samhet med betaltjänster. Betal-</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">samhet med betaltjänster. Betal-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft3">ningsinstitutet eller den regist-</P></TD>
<TD class="tr15 td61"><P class="p17 ft7">ningsinstitutet eller den registrerade</P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft6">rerade</P></TD>
<TD class="tr16 td48"><P class="p182 ft7">betaltjänstleverantören</P></TD>
<TD class="tr16 td135"><P class="p62 ft7">ska</P></TD>
<TD class="tr16 td61"><P class="p17 ft7">betaltjänstleverantören ska anmäla</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td42"><P class="p3 ft5">anmäla sådana uppdragsavtal</P></TD>
<TD class="tr16 td135"><P class="p62 ft6">till</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">sådana uppdragsavtal till Finans-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td42"><P class="p3 ft3">Finansinspektionen.</P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td61"><P class="p17 ft4"><SPAN class="ft3">inspektionen. </SPAN>En sådan anmälan</P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td48"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td61"><P class="p17 ft4">behöver inte göras när det gäller</P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td48"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td61"><P class="p196 ft41">kontoinformationstjänster.</P></TD>
</TR>
</TABLE>
<P class="p89 ft70">Uppdrag åt någon annan att utföra sådana funktioner som är av väsent- lig betydelse för betaltjänstverksamheten får bara ges om betalnings- institutet eller den registrerade betaltjänstleverantören ansvarar för att</P>
<P class="p82 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">verksamheten drivs av uppdragstagaren under kontrollerade och säkerhetsmässigt betryggande former, och</SPAN></P>
<P class="p230 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">uppdraget inte väsentligt försämrar kvaliteten på betalningsinsti- tutets eller den registrerade betaltjänstleverantörens internkontroll och Finansinspektionens möjligheter att övervaka att betalningsinstitutet eller den registrerade betaltjänstleverantören följer de regler som gäller för verksamheten.</SPAN></P>
<P class="p231 ft4">28 a §</P>
<P class="p221 ft41">Om ett betalningsinstitut eller en registrerad betaltjänstleverantör avser att ändra den uppdrags- verksamhet som avses i 28 §, ska institutet eller leverantören anmäla detta till Finansinspektionen innan ändringen genomförs.</P>
<P class="p232 ft4">Om ändringen rör ett betal- ningsinstituts verksamhet i ett annat land inom EES, ska Finans- inspektionen inom en månad från det att anmälan togs emot under- rätta den behöriga myndigheten i det andra landet om ändringen.</P>
<P class="p233 ft42"><SPAN class="ft42">4</SPAN><SPAN class="ft71">kap.</SPAN></P>
<P class="p234 ft3">2 §</P>
<P class="p89 ft5">Om betalningsmottagaren erbjuder en nedsättning av en avgift vid användning av ett visst betalningsinstrument, ska mottagaren informera betalaren om detta innan betalningstransaktionen påbörjas.</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr20 td58"><P class="p90 ft3">Om</P></TD>
<TD class="tr20 td187"><P class="p62 ft3">en betaltjänstleverantör</P></TD>
<TD class="tr20 td58"><P class="p90 ft3">Om</P></TD>
<TD class="tr20 td111"><P class="p17 ft3">en betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">begär en avgift vid användning av</P></TD>
<TD colspan=2 class="tr15 td61"><P class="p17 ft3">begär en avgift vid användning av</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft6">ett visst</P></TD>
<TD class="tr16 td187"><P class="p21 ft7">betalningsinstrument, ska</P></TD>
<TD colspan=2 class="tr16 td61"><P class="p17 ft5">ett visst betalningsinstrument, ska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">denne informera betaltjänstanvänd-</P></TD>
<TD colspan=2 class="tr16 td61"><P class="p17 ft7">denne informera betaltjänstanvänd-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">aren om <SPAN class="ft4">detta </SPAN>innan betalnings-</P></TD>
<TD colspan=2 class="tr15 td61"><P class="p17 ft41"><SPAN class="ft5">aren om </SPAN>det sammanlagda avgifts-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td60"><P class="p3 ft3">transaktionen påbörjas.</P></TD>
<TD class="tr28 td58"><P class="p3 ft4">beloppet</P></TD>
<TD class="tr28 td111"><P class="p17 ft5">innan betalningstransak-</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">35</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_36">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td56"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr1 td104"><P class="p148 ft3">tionen</P></TD>
<TD colspan=3 class="tr1 td138"><P class="p180 ft7">påbörjas.</P></TD>
<TD class="tr1 td75"><P class="p41 ft4">Om</P></TD>
<TD colspan=2 class="tr1 td119"><P class="p27 ft4">sådan</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft4">information inte lämnas är betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft4">tjänstanvändaren inte skyldig att</P></TD>
</TR>
<TR>
<TD class="tr20 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td24"><P class="p148 ft4">betala avgiften.</P></TD>
<TD class="tr20 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td56"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td104"><P class="p3 ft3">3 §</P></TD>
<TD class="tr29 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p219 ft6">Om valutaväxling erbjuds före</P></TD>
<TD class="tr16 td104"><P class="p235 ft6">Om</P></TD>
<TD colspan=3 class="tr16 td138"><P class="p178 ft6">valutaväxling</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p75 ft6">erbjuds</P></TD>
<TD class="tr16 td162"><P class="p17 ft6">före</P></TD>
</TR>
<TR>
<TD class="tr15 td56"><P class="p40 ft5">påbörjandet av betalningstransak-</P></TD>
<TD colspan=2 class="tr15 td43"><P class="p148 ft3">påbörjandet</P></TD>
<TD class="tr15 td94"><P class="p182 ft3">av</P></TD>
<TD colspan=4 class="tr15 td195"><P class="p17 ft7">betalningstransak-</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p40 ft6">tionen <SPAN class="ft4">och </SPAN>på platsen för försälj-</P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft5">tionen på platsen för försäljningen</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p40 ft6">ningen eller av betalningsmot-</P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft5">eller av betalningsmottagaren, ska</P></TD>
</TR>
<TR>
<TD class="tr15 td56"><P class="p40 ft3">tagaren, ska den som erbjuder</P></TD>
<TD colspan=7 class="tr15 td60"><P class="p148 ft7">den som erbjuder betalaren denna</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p40 ft6">betalaren denna tjänst informera</P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft5">tjänst informera betalaren om alla</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p40 ft6">betalaren om alla avgifter för</P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft6">avgifter för tjänsten samt <SPAN class="ft4">om </SPAN>den</P></TD>
</TR>
<TR>
<TD class="tr15 td56"><P class="p40 ft5">tjänsten samt den växelkurs som</P></TD>
<TD colspan=2 class="tr15 td43"><P class="p148 ft3">växelkurs</P></TD>
<TD class="tr15 td94"><P class="p179 ft7">som</P></TD>
<TD colspan=4 class="tr15 td195"><P class="p27 ft3">ska användas.</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p40 ft6">ska användas.</P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft41">Detsamma gäller om valutaväxling</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td196"><P class="p148 ft4">erbjuds i en uttagsautomat.</P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td188"><P class="p17 ft3">Betalaren ska godkänna valutaväxlingstjänsten innan betalnings-</P></TD>
</TR>
<TR>
<TD class="tr20 td56"><P class="p40 ft3">transaktionen genomförs.</P></TD>
<TD class="tr20 td104"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr29 td60"><P class="p148 ft69">Information om konsumenters</P></TD>
</TR>
<TR>
<TD class="tr28 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr28 td43"><P class="p148 ft69">rättigheter</P></TD>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td56"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td104"><P class="p148 ft4">3 a §</P></TD>
<TD class="tr27 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p17 ft4">En betaltjänstleverantör ska se</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td104"><P class="p148 ft4">till att</P></TD>
<TD colspan=5 class="tr16 td134"><P class="p130 ft4">informationsmaterial</P></TD>
<TD class="tr16 td162"><P class="p27 ft4">om</P></TD>
</TR>
<TR>
<TD class="tr15 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td24"><P class="p148 ft4">konsumenters</P></TD>
<TD colspan=3 class="tr15 td79"><P class="p1 ft4">rättigheter</P></TD>
<TD class="tr15 td162"><P class="p27 ft4">som</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft4">utarbetats av Europeiska kommis-</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft4">sionen görs tillgängligt för betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td24"><P class="p148 ft4">tjänstanvändare</P></TD>
<TD class="tr15 td33"><P class="p41 ft4">i</P></TD>
<TD colspan=2 class="tr15 td158"><P class="p3 ft4">enlighet</P></TD>
<TD class="tr15 td162"><P class="p27 ft4">med</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft4">föreskrifter som har meddelats</P></TD>
</TR>
<TR>
<TD class="tr20 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr20 td179"><P class="p148 ft4">med stöd av 22 §.</P></TD>
<TD class="tr20 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td56"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td104"><P class="p148 ft4">4 a §</P></TD>
<TD class="tr29 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p17 ft4">Innan en betalningsorder initi-</P></TD>
</TR>
<TR>
<TD class="tr15 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td60"><P class="p148 ft4">eras ska leverantören av betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft41">ningsinitieringstjänster, utöver vad</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft4">som anges i 4 §, informera betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td197"><P class="p148 ft4">tjänstanvändaren om</P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td179"><P class="p235 ft4">1. leverantörens</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p41 ft4">namn</P></TD>
<TD class="tr16 td162"><P class="p17 ft4">och</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft4">adress samt besöksadressen till</P></TD>
</TR>
<TR>
<TD class="tr15 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td24"><P class="p148 ft4">huvudkontoret,</P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td179"><P class="p235 ft4">2. besöksadressen</P></TD>
<TD class="tr16 td75"><P class="p74 ft4">till</P></TD>
<TD colspan=2 class="tr16 td119"><P class="p27 ft41">leveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft4">törens ombud eller filial i det land</P></TD>
</TR>
<TR>
<TD class="tr15 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td60"><P class="p148 ft4">inom EES där betaltjänsten er-</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft41">bjuds, om tjänsterna tillhandahålls</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td197"><P class="p148 ft4">genom ombud eller filial,</P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td43"><P class="p235 ft4">3. övriga</P></TD>
<TD colspan=4 class="tr15 td198"><P class="p146 ft4">kontaktuppgifter</P></TD>
<TD class="tr15 td162"><P class="p17 ft4">som</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td60"><P class="p148 ft4">är relevanta för kommunikation</P></TD>
</TR>
<TR>
<TD class="tr16 td56"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td197"><P class="p148 ft4">med leverantören, och</P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td56"><P class="p1 ft3">36</P></TD>
<TD colspan=4 class="tr15 td179"><P class="p235 ft41">4. kontaktuppgifter</P></TD>
<TD class="tr15 td75"><P class="p130 ft4">till</P></TD>
<TD colspan=2 class="tr15 td119"><P class="p17 ft4">Finans-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr28 td24"><P class="p148 ft4">inspektionen.</P></TD>
<TD class="tr28 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_37">
<DIV>
<DIV id="id_1">
<P class="p236 ft4">4 b §</P>
<P class="p221 ft41">Innan ett avtal om ett enstaka tillhandahållande av en konto- informationstjänst ingås, ska leverantören av kontoinformations- tjänster informera betaltjänst- användaren om</P>
<P class="p237 ft50">1. vilka uppgifter användaren ska lämna för att kontoinforma- tionstjänsten ska kunna utföras korrekt,</P>
<P class="p105 ft4">2. hur lång tid det längst tar att utföra tjänsten, och</P>
<P class="p221 ft41">3. det sammanlagda avgiftsbelop- pet som användaren ska betala till leverantören för tjänsten.</P>
<P class="p221 ft41">Leverantören ska ge betaltjänst- användaren detaljerad information om avgiftsbeloppet enligt första stycket 3, om de olika avgifterna lätt</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr24 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td75"><P class="p3 ft4">kan</P></TD>
<TD class="tr24 td166"><P class="p72 ft4">särskiljas</P></TD>
<TD class="tr24 td142"><P class="p90 ft4">och</P></TD>
<TD class="tr24 td166"><P class="p17 ft4">redovisas</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td190"><P class="p3 ft4">separat.</P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td61"><P class="p17 ft4">Leverantören ska göra infor-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft4">mation enligt 10 § tillgänglig för</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td190"><P class="p3 ft4">användaren.</P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td166"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td60"><P class="p17 ft3">5 §</P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td166"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft6">Information enligt 4 § ska till-</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p17 ft6">Information enligt <NOBR>4<SPAN class="ft4">–4</SPAN></NOBR><SPAN class="ft4"> b §</SPAN>§ ska</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">handahållas på ett lättillgängligt</P></TD>
<TD colspan=4 class="tr15 td61"><P class="p3 ft5">tillhandahållas på ett lättillgängligt</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft6">sätt och vara tydlig och lätt att</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft6">sätt och vara tydlig och lätt att</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft7">förstå. Den ska vara på svenska eller</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft6">förstå. Den ska vara på svenska</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft7">på något annat språk som parterna</P></TD>
<TD class="tr15 td75"><P class="p3 ft3">eller</P></TD>
<TD class="tr15 td166"><P class="p3 ft3">på något</P></TD>
<TD class="tr15 td142"><P class="p3 ft3">annat</P></TD>
<TD class="tr15 td166"><P class="p17 ft5">språk som</P></TD>
</TR>
<TR>
<TD class="tr21 td60"><P class="p238 ft7">kommer överens om.</P></TD>
<TD colspan=4 class="tr21 td61"><P class="p3 ft23">parterna kommer överens om.</P></TD>
</TR>
</TABLE>
<P class="p103 ft6">På begäran av betaltjänstanvändaren ska informationen tillhandahållas</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=6 class="tr20 td199"><P class="p3 ft3">på papper eller något annat varaktigt medium.</P></TD>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 rowspan=2 class="tr35 td61"><P class="p17 ft3">Om ett avtal om en enstaka</P></TD>
<TD class="tr27 td158"><P class="p3 ft3">6 §</P></TD>
<TD class="tr27 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td6"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td158"><P class="p235 ft3">Om</P></TD>
<TD class="tr15 td126"><P class="p71 ft3">ett</P></TD>
<TD class="tr15 td66"><P class="p3 ft3">avtal</P></TD>
<TD colspan=2 class="tr15 td200"><P class="p146 ft3">om en</P></TD>
<TD colspan=2 class="tr15 td90"><P class="p17 ft7">enstaka</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td201"><P class="p3 ft6">betalningstransaktion</P></TD>
<TD colspan=2 class="tr16 td154"><P class="p17 ft6">ingås på</P></TD>
<TD colspan=7 class="tr16 td60"><P class="p191 ft6">betalningstransaktion ingås på</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p17 ft5">distans på begäran av betaltjänst-</P></TD>
<TD colspan=7 class="tr16 td60"><P class="p191 ft5">distans på begäran av betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td61"><P class="p17 ft7">användaren, och detta gör att betal-</P></TD>
<TD colspan=7 class="tr15 td60"><P class="p191 ft7">användaren, och detta gör att betal-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p17 ft6">tjänstleverantören inte kan upp-</P></TD>
<TD colspan=7 class="tr16 td60"><P class="p191 ft6">tjänstleverantören inte kan upp-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p17 ft7">fylla kraven i 4 och 5 §§, ska dessa</P></TD>
<TD colspan=7 class="tr16 td60"><P class="p191 ft5">fylla kraven i 4, <SPAN class="ft41">4 a </SPAN>och 5 §§, ska</P></TD>
</TR>
<TR>
<TD class="tr15 td53"><P class="p3 ft3">krav i stället</P></TD>
<TD class="tr15 td153"><P class="p41 ft3">uppfyllas</P></TD>
<TD class="tr15 td70"><P class="p70 ft3">av</P></TD>
<TD class="tr15 td75"><P class="p17 ft7">denne</P></TD>
<TD class="tr15 td158"><P class="p191 ft3">dessa</P></TD>
<TD class="tr15 td126"><P class="p3 ft3">krav</P></TD>
<TD colspan=2 class="tr15 td58"><P class="p74 ft3">i stället</P></TD>
<TD colspan=2 class="tr15 td149"><P class="p71 ft3">uppfyllas</P></TD>
<TD class="tr15 td6"><P class="p17 ft3">av</P></TD>
</TR>
<TR>
<TD class="tr16 td53"><P class="p3 ft6">omedelbart</P></TD>
<TD class="tr16 td153"><P class="p3 ft6">efter det</P></TD>
<TD class="tr16 td70"><P class="p71 ft6">att</P></TD>
<TD class="tr16 td75"><P class="p17 ft6">betal-</P></TD>
<TD class="tr16 td158"><P class="p191 ft6">denne</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p70 ft6">omedelbart</P></TD>
<TD class="tr16 td135"><P class="p3 ft6">efter</P></TD>
<TD class="tr16 td126"><P class="p3 ft6">det</P></TD>
<TD class="tr16 td6"><P class="p17 ft5">att</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td201"><P class="p3 ft7">tjänsten har genomförts.</P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr20 td202"><P class="p191 ft3">betaltjänsten har genomförts.</P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 rowspan=2 class="tr36 td61"><P class="p17 ft5">Så snart som möjligt efter det att</P></TD>
<TD class="tr29 td158"><P class="p3 ft3">7 §</P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p17 ft6">Så snart som möjligt efter det att</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td61"><P class="p17 ft7">en betalningsorder har tagits emot</P></TD>
<TD colspan=7 class="tr15 td60"><P class="p191 ft7">en betalningsorder har tagits emot</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr28 td61"><P class="p17 ft7">ska betalarens betaltjänstleverantör</P></TD>
<TD colspan=3 class="tr28 td71"><P class="p191 ft3">ska betalarens</P></TD>
<TD colspan=4 class="tr28 td190"><P class="p17 ft41">kontoförvaltande</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">37</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_38">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr19 td86"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td60"><P class="p3 ft3">tillhandahålla betalaren följande</P></TD>
<TD colspan=4 class="tr19 td96"><P class="p3 ft3">betaltjänstleverantör</P></TD>
<TD colspan=4 class="tr19 td138"><P class="p17 ft7">tillhandahålla</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft3">information:</P></TD>
<TD colspan=7 class="tr15 td131"><P class="p3 ft5">betalaren följande information:</P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td93"><P class="p17 ft5">1. en uppgift som gör det möjligt att identifiera betalningstransaktionen</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td203"><P class="p3 ft5">samt, när det är lämpligt, uppgifter som avser betalningsmottagaren,</P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td93"><P class="p31 ft7">2. transaktionens belopp i den valuta som används i betalningsordern,</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td93"><P class="p17 ft6">3. det avgiftsbelopp som betalaren ska betala till leverantören för</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft6">transaktionen, och</P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td204"><P class="p31 ft3">4. datum när betalningsordern togs emot.</P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td93"><P class="p17 ft5">Leverantören ska även ge betalaren detaljerad information om avgifts-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td93"><P class="p17 ft5">beloppet enligt första stycket 3, när de olika avgifterna lätt kan särskiljas</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft3">och redovisas separat.</P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td93"><P class="p17 ft5">Om betalningstransaktionen innebär valutaväxling ska leverantören ge</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td93"><P class="p17 ft5">betalaren information om den faktiska växelkurs eller referensväxelkurs</P></TD>
</TR>
<TR>
<TD class="tr20 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td60"><P class="p3 ft3">som ska gälla för transaktionen.</P></TD>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr29 td46"><P class="p3 ft4">7 a §</P></TD>
<TD class="tr29 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p17 ft4">Leverantören av en betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td205"><P class="p3 ft41">initieringstjänst</P></TD>
<TD class="tr16 td92"><P class="p154 ft4">ska</P></TD>
<TD colspan=4 class="tr16 td138"><P class="p17 ft41">tillhandahålla</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td46"><P class="p3 ft41">betalaren</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p129 ft4">följande</P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td125"><P class="p17 ft41">information</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p17 ft4">omedelbart efter det att en betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td96"><P class="p3 ft41">ningsorder initierats:</P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td179"><P class="p31 ft4">1. en bekräftelse på</P></TD>
<TD class="tr16 td68"><P class="p177 ft41">att</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p17 ft4">ningsordern initierats med betala-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft4">rens</P></TD>
<TD colspan=4 class="tr16 td88"><P class="p180 ft41">kontoförvaltande</P></TD>
<TD colspan=3 class="tr16 td125"><P class="p17 ft41">betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td205"><P class="p3 ft4">leverantör,</P></TD>
<TD class="tr16 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p27 ft4">2. en uppgift som gör det möjligt</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft4">att</P></TD>
<TD colspan=2 class="tr16 td149"><P class="p3 ft4">identifiera</P></TD>
<TD colspan=5 class="tr16 td112"><P class="p17 ft41">betalningstransak-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td46"><P class="p3 ft4">tionen,</P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p17 ft4">3. den information som överförts</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td205"><P class="p3 ft4">tillsammans</P></TD>
<TD class="tr16 td92"><P class="p181 ft4">med</P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td125"><P class="p27 ft41">betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td205"><P class="p3 ft4">transaktionen,</P></TD>
<TD class="tr16 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td131"><P class="p31 ft41">4. transaktionens belopp, och</P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td46"><P class="p31 ft4">5. det</P></TD>
<TD colspan=3 class="tr16 td91"><P class="p72 ft4">avgiftsbelopp</P></TD>
<TD colspan=2 class="tr16 td20"><P class="p93 ft4">som</P></TD>
<TD class="tr16 td120"><P class="p17 ft41">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p17 ft4">betalas till leverantören av betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td179"><P class="p3 ft4">ningsinitieringstjänster</P></TD>
<TD class="tr15 td68"><P class="p72 ft4">för</P></TD>
<TD colspan=2 class="tr15 td75"><P class="p17 ft4">trans-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td46"><P class="p3 ft41">aktionen.</P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td205"><P class="p31 ft4">Leverantören</P></TD>
<TD class="tr16 td92"><P class="p129 ft4">ska</P></TD>
<TD colspan=4 class="tr16 td138"><P class="p17 ft4">ge betalaren</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p17 ft4">detaljerad information om avgifts-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td46"><P class="p3 ft4">beloppet</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p198 ft41">enligt första</P></TD>
<TD colspan=3 class="tr16 td104"><P class="p177 ft41">stycket 5,</P></TD>
<TD class="tr16 td120"><P class="p27 ft4">om</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p27 ft4">de olika avgifterna lätt kan</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p3 ft4">särskiljas och redovisas separat.</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p27 ft4">Uppgift enligt första stycket 2</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p27 ft4">ska göras tillgänglig för betala-</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft4">rens</P></TD>
<TD colspan=4 class="tr15 td88"><P class="p177 ft41">kontoförvaltande</P></TD>
<TD colspan=3 class="tr15 td125"><P class="p17 ft41">betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr28 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr28 td205"><P class="p3 ft4">leverantör.</P></TD>
<TD class="tr28 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr27 td46"><P class="p3 ft4">8 a §</P></TD>
<TD class="tr27 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p17 ft4">Leverantören av en betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td205"><P class="p3 ft41">initieringstjänst</P></TD>
<TD class="tr16 td92"><P class="p129 ft4">ska</P></TD>
<TD colspan=4 class="tr16 td138"><P class="p17 ft41">tillhandahålla</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td86"><P class="p1 ft3">38</P></TD>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td96"><P class="p3 ft41">betalningsmottagaren</P></TD>
<TD class="tr15 td100"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td125"><P class="p17 ft4">följande</P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr28 td131"><P class="p3 ft4">information omedelbart efter</P></TD>
<TD class="tr28 td120"><P class="p17 ft4">det</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_39">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr22 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td46"><P class="p191 ft4">att</P></TD>
<TD class="tr22 td69"><P class="p3 ft4">en</P></TD>
<TD class="tr22 td120"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td112"><P class="p199 ft41">betalningsorder</P></TD>
<TD class="tr22 td13"><P class="p17 ft4">har</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td47"><P class="p191 ft4">initierats:</P></TD>
<TD class="tr15 td62"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td60"><P class="p17 ft4">1. en uppgift som gör det möjligt</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td46"><P class="p191 ft4">för</P></TD>
<TD colspan=4 class="tr16 td159"><P class="p239 ft41">betalningsmottagaren</P></TD>
<TD class="tr16 td13"><P class="p17 ft4">att</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td60"><P class="p191 ft4">identifiera betalaren och betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td186"><P class="p191 ft4">ningstransaktionen, och</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td60"><P class="p17 ft4">2. den information som överförts</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td47"><P class="p191 ft4">tillsammans</P></TD>
<TD colspan=3 class="tr15 td77"><P class="p17 ft4">med betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr28 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr28 td47"><P class="p191 ft4">aktionen.</P></TD>
<TD class="tr28 td62"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 rowspan=2 class="tr37 td206"><P class="p90 ft3">Betaltjänstleverantören</P></TD>
<TD rowspan=2 class="tr37 td162"><P class="p1 ft3">är</P></TD>
<TD rowspan=2 class="tr37 td13"><P class="p17 ft5">inte</P></TD>
<TD class="tr27 td46"><P class="p240 ft5">9 §</P></TD>
<TD class="tr27 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td62"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td186"><P class="p235 ft6">Betaltjänstleverantören</P></TD>
<TD class="tr16 td94"><P class="p241 ft6">är</P></TD>
<TD class="tr16 td13"><P class="p17 ft5">inte</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p3 ft6">skyldig att lämna eller göra infor-</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p191 ft6">skyldig att lämna eller göra infor-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td206"><P class="p3 ft3">mation tillgänglig enligt</P></TD>
<TD colspan=2 class="tr15 td20"><P class="p17 ft3"><NOBR>4–8</NOBR> §§,</P></TD>
<TD colspan=2 class="tr15 td103"><P class="p191 ft3">mation</P></TD>
<TD colspan=2 class="tr15 td116"><P class="p179 ft3">tillgänglig enligt</P></TD>
<TD class="tr15 td94"><P class="p154 ft3">4</P></TD>
<TD class="tr15 td13"><P class="p17 ft4">och</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p3 ft6">om sådan information redan ges</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p191 ft6"><NOBR><SPAN class="ft4">5</SPAN>–8</NOBR> §§,</P></TD>
<TD colspan=4 class="tr16 td207"><P class="p17 ft6">om sådan information</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p3 ft6">eller kommer att ges till betal-</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p191 ft5">redan ges eller kommer att ges till</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft3">tjänstanvändaren på</P></TD>
<TD colspan=2 class="tr15 td73"><P class="p3 ft3">grundval</P></TD>
<TD class="tr15 td13"><P class="p17 ft3">av</P></TD>
<TD colspan=6 class="tr15 td60"><P class="p191 ft7">betaltjänstanvändaren på grundval</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft6">ett ramavtal mellan</P></TD>
<TD colspan=3 class="tr16 td140"><P class="p17 ft6">användaren</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p191 ft5">av ett ramavtal mellan användaren</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td61"><P class="p3 ft7">och en annan betaltjänstleverantör.</P></TD>
<TD colspan=6 class="tr20 td60"><P class="p191 ft7">och en annan betaltjänstleverantör.</P></TD>
</TR>
<TR>
<TD class="tr29 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td208"><P class="p22 ft3">10 §</P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td62"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p17 ft6">I rimlig tid innan ett ramavtal</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p17 ft6">I rimlig tid innan ett ramavtal</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td61"><P class="p3 ft7"><SPAN class="ft72">sluts </SPAN>ska betaltjänstleverantören ge</P></TD>
<TD class="tr15 td46"><P class="p191 ft4">ingås</P></TD>
<TD colspan=2 class="tr15 td75"><P class="p74 ft3">ska</P></TD>
<TD colspan=3 class="tr15 td77"><P class="p17 ft7">betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft7">betaltjänstanvändaren</P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td20"><P class="p17 ft7">följande</P></TD>
<TD colspan=4 class="tr16 td186"><P class="p191 ft6">ge betaltjänstanvändaren</P></TD>
<TD colspan=2 class="tr16 td14"><P class="p17 ft6">följande</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft6">information:</P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td186"><P class="p191 ft6">information:</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p145 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">leverantörens namn och adress och, i tillämpliga fall, adress till dess ombud eller filial,</SPAN></P>
<P class="p145 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">uppgift om att leverantören har tillstånd att tillhandahålla betaltjänster och att leverantören, dess filialer och ombud har registrerats hos behörig myndighet,</SPAN></P>
<P class="p145 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft48">en beskrivning av det huvudsakliga innehållet i den betaltjänst som tillhandahålls,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=6 class="tr15 td60"><P class="p62 ft3">4. vilka uppgifter <SPAN class="ft4">som </SPAN>användaren</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p17 ft3">4. vilka uppgifter användaren ska</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">ska <SPAN class="ft4">uppge </SPAN>för att en betalnings-</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft6"><SPAN class="ft4">lämna </SPAN>för att en betalningsorder</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">order ska kunna utföras korrekt,</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p17 ft41">eller en kontoinformationstjänst <SPAN class="ft5">ska</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td136"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td42"><P class="p3 ft6">kunna utföras korrekt,</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td150"><P class="p90 ft6">5. hur</P></TD>
<TD class="tr16 td120"><P class="p3 ft6">ett</P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td136"><P class="p154 ft7">godkännande</P></TD>
<TD class="tr16 td23"><P class="p62 ft6">att</P></TD>
<TD class="tr16 td9"><P class="p90 ft6">5. hur</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p70 ft6">ett</P></TD>
<TD class="tr16 td47"><P class="p241 ft7">godkännande</P></TD>
<TD class="tr16 td120"><P class="p17 ft6">att</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td150"><P class="p3 ft7">genomföra</P></TD>
<TD colspan=2 class="tr15 td92"><P class="p130 ft3">en</P></TD>
<TD colspan=2 class="tr15 td209"><P class="p62 ft7">betalningstransak-</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p17 ft4">initiera en betalningsorder eller</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft5">tion ges samt hur det kan återkallas</P></TD>
<TD colspan=2 class="tr16 td140"><P class="p3 ft6">genomföra</P></TD>
<TD class="tr16 td13"><P class="p3 ft6">en</P></TD>
<TD colspan=2 class="tr16 td156"><P class="p17 ft7">betalningstransak-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td155"><P class="p3 ft6">enligt 5 kap. <NOBR><SPAN class="ft4">13–15</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft7">tion ges samt hur det kan återkallas</P></TD>
</TR>
<TR>
<TD colspan=3 rowspan=2 class="tr25 td57"><P class="p90 ft3">6. när en</P></TD>
<TD colspan=2 rowspan=2 class="tr25 td115"><P class="p154 ft7">betalningsorder</P></TD>
<TD rowspan=2 class="tr25 td23"><P class="p62 ft5">ska</P></TD>
<TD colspan=4 class="tr15 td42"><P class="p3 ft3">enligt 5 kap. <NOBR><SPAN class="ft4">35–37</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p90 ft6">6. när</P></TD>
<TD class="tr16 td151"><P class="p3 ft6">en</P></TD>
<TD colspan=2 class="tr16 td113"><P class="p241 ft6">betalningsorder</P></TD>
<TD class="tr16 td120"><P class="p17 ft7">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft7">anses</P></TD>
<TD colspan=3 class="tr16 td150"><P class="p74 ft5">mottagen</P></TD>
<TD class="tr16 td136"><P class="p76 ft6">enligt 5 kap.</P></TD>
<TD class="tr16 td23"><P class="p62 ft4">9 <SPAN class="ft6">§</SPAN></P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft5">anses mottagen enligt 5 kap. <SPAN class="ft41">31 </SPAN>§</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td57"><P class="p3 ft5">första stycket,</P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td136"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td210"><P class="p3 ft3">första stycket,</P></TD>
<TD class="tr15 td47"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p62 ft6">7. tidpunkter för mottagande av</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft6">7. tidpunkter för mottagande av</P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft6">en</P></TD>
<TD class="tr16 td180"><P class="p3 ft7">order</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td115"><P class="p242 ft6">enligt 5 kap.</P></TD>
<TD class="tr16 td23"><P class="p62 ft4">9 <SPAN class="ft6">§</SPAN></P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft6">en order enligt 5 kap. <SPAN class="ft4">31 </SPAN>§ <SPAN class="ft4">tredje</SPAN></P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3"><SPAN class="ft4">tredjestycket</SPAN>, om sådana har</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p17 ft5"><SPAN class="ft41">stycket</SPAN>, om sådana har fastställts</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td155"><P class="p3 ft6">fastställts av leverantören,</P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td210"><P class="p3 ft5">av leverantören,</P></TD>
<TD class="tr16 td47"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p62 ft6">8. hur lång tid det som längst tar</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft6">8. hur lång tid det som längst tar</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td155"><P class="p3 ft5">att genomföra en transaktion,</P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td61"><P class="p17 ft5">att genomföra en transaktion <SPAN class="ft41">eller</SPAN></P></TD>
</TR>
<TR>
<TD class="tr28 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td136"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td23"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr28 td42"><P class="p3 ft4">en kontoinformationstjänst<SPAN class="ft3">,</SPAN></P></TD>
<TD class="tr28 td120"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">39</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_40">
<P class="p243 ft3">Prop. 2017/18:77 9. möjligheten att avtala om begränsningar i användningen av betal- ningsinstrumentet enligt 19 §,</P>
<TABLE cellpadding=0 cellspacing=0 class="t13">
<TR height=0>
<TD width=13px></TD>
<TD width=142px></TD>
<TD width=32px></TD>
<TD width=19px></TD>
<TD width=25px></TD>
<TD width=14px></TD>
<TD width=45px></TD>
<TD width=26px></TD>
<TD width=43px></TD>
<TD width=21px></TD>
<TD width=16px></TD>
<TD width=14px></TD>
<TD width=26px></TD>
<TD width=13px></TD>
<TD width=46px></TD>
<TD width=18px></TD>
</TR>
<TR>
<TD class="tr28 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td97"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td105"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td103"><P class="p18 ft4">10. när</P></TD>
<TD colspan=3 class="tr28 td50"><P class="p3 ft4">det gäller</P></TD>
<TD colspan=3 class="tr28 td31"><P class="p17 ft4">kortbaserade</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td17"><P class="p75 ft4">betalningsinstrument,</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p17 ft4">information</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft4">om de rättigheter som följer av</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td103"><P class="p75 ft41">artikel 8.2</P></TD>
<TD class="tr16 td182"><P class="p130 ft4">i</P></TD>
<TD colspan=5 class="tr16 td209"><P class="p17 ft4">Europaparlamentets</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">och rådets förordning (EU)</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft4">2015/751 av den 29 april 2015 om</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td86"><P class="p75 ft4">förmedlingsavgifter</P></TD>
<TD colspan=3 class="tr16 td31"><P class="p17 ft4">för kortbas-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td211"><P class="p75 ft4">erade betalningstransaktioner,</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td8"><P class="p181 ft3"><SPAN class="ft4">10</SPAN>. vilka avgifter <SPAN class="ft4">som </SPAN>använd-</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p17 ft3"><SPAN class="ft4">11</SPAN>. vilka avgifter användaren</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6">aren ska betala till leverantören</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft7">ska betala till leverantören och, när</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6">och, när det är tillämpligt, detalj-</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">det är tillämpligt, detaljuppgifter</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td212"><P class="p152 ft5">uppgifter om dessa,</P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td103"><P class="p75 ft7">om dessa,</P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6"><SPAN class="ft4">11</SPAN>. de räntor och växelkurser</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p27 ft6"><SPAN class="ft4">12</SPAN>. de räntor och växelkurser</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6">som ska tillämpas eller, om refe-</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">som ska tillämpas eller, om refe-</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td127"><P class="p152 ft7">rensräntesatser</P></TD>
<TD class="tr15 td70"><P class="p170 ft7">och</P></TD>
<TD colspan=3 class="tr15 td87"><P class="p181 ft5">referensväxel-</P></TD>
<TD colspan=4 class="tr15 td76"><P class="p75 ft7">rensräntesatser</P></TD>
<TD class="tr15 td105"><P class="p170 ft5">och</P></TD>
<TD colspan=3 class="tr15 td31"><P class="p17 ft5">referensväxel-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6">kurser ska användas, metoden för</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft5">kurser ska användas, metoden för</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6">beräkning av den faktiska räntan</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">beräkning av den faktiska räntan</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td8"><P class="p181 ft3">och relevant dag, index eller und-</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft5">och relevant dag, index eller und-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6">erlag för att bestämma referens-</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">erlag för att bestämma referens-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p152 ft6">räntan eller referensväxelkursen,</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">räntan eller referensväxelkursen,</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td8"><P class="p181 ft3"><SPAN class="ft4">12</SPAN>. sådan omedelbar tillämpning</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p27 ft3"><SPAN class="ft4">13</SPAN>. sådan omedelbar tillämpning</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6">av ändrade räntesatser eller växel-</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft5">av ändrade räntesatser eller växel-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6">kurser som kan avtalas om enligt</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft5">kurser som kan avtalas om enligt</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p152 ft3">14 §</P></TD>
<TD class="tr15 td75"><P class="p3 ft3">samt</P></TD>
<TD class="tr15 td67"><P class="p71 ft3">de</P></TD>
<TD colspan=4 class="tr15 td121"><P class="p181 ft3">informationskrav</P></TD>
<TD class="tr15 td20"><P class="p75 ft3">14 §</P></TD>
<TD colspan=2 class="tr15 td23"><P class="p3 ft3">samt</P></TD>
<TD class="tr15 td69"><P class="p3 ft3">de</P></TD>
<TD colspan=4 class="tr15 td112"><P class="p27 ft3">informationskrav</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td213"><P class="p152 ft6">som är förenade med detta,</P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td211"><P class="p75 ft6">som är förenade med detta,</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6"><SPAN class="ft4">13</SPAN>. i förekommande fall, de</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p17 ft6"><SPAN class="ft4">14</SPAN>. i förekommande fall, de</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td59"><P class="p152 ft7">kommunikationsmedel</P></TD>
<TD class="tr15 td119"><P class="p42 ft3">som</P></TD>
<TD class="tr15 td105"><P class="p181 ft7">ska</P></TD>
<TD colspan=6 class="tr15 td17"><P class="p75 ft7">kommunikationsmedel</P></TD>
<TD class="tr15 td82"><P class="p42 ft3">som</P></TD>
<TD class="tr15 td120"><P class="p17 ft7">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td214"><P class="p152 ft6">användas</P></TD>
<TD class="tr16 td67"><P class="p3 ft6">för</P></TD>
<TD colspan=3 class="tr16 td35"><P class="p42 ft6">överföring</P></TD>
<TD class="tr16 td105"><P class="p181 ft6">av</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p75 ft6">användas</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p31 ft6">för</P></TD>
<TD colspan=3 class="tr16 td87"><P class="p42 ft6">överföring</P></TD>
<TD class="tr16 td120"><P class="p27 ft6">av</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td214"><P class="p152 ft6">information</P></TD>
<TD colspan=2 class="tr16 td14"><P class="p31 ft6">och</P></TD>
<TD colspan=3 class="tr16 td87"><P class="p181 ft5">underrättelser</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p75 ft6">information</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p75 ft6">och</P></TD>
<TD colspan=3 class="tr16 td31"><P class="p27 ft7">underrättelser</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td8"><P class="p181 ft3">mellan parterna, inklusive tekniska</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft7">mellan parterna, inklusive tekniska</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td213"><P class="p152 ft7">krav på användarens utrustning,</P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td211"><P class="p75 ft7">krav på användarens utrustning,</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6"><SPAN class="ft4">14</SPAN>. hur ofta och på vilket sätt</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p27 ft6"><SPAN class="ft4">15</SPAN>. hur ofta och på vilket sätt</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td8"><P class="p181 ft3"><SPAN class="ft4">som </SPAN>information enligt denna lag</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft3">information enligt denna lag ska</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6">ska lämnas till eller göras till-</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">lämnas till eller göras tillgänglig</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td213"><P class="p152 ft6">gänglig för användaren,</P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td76"><P class="p75 ft5">för användaren,</P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td8"><P class="p181 ft3"><SPAN class="ft4">15</SPAN>. vilket språk som ska</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p17 ft3"><SPAN class="ft4">16</SPAN>. vilket språk som ska</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6">användas i ramavtalet samt på</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">användas i ramavtalet samt på</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p152 ft6">vilket</P></TD>
<TD colspan=2 class="tr16 td200"><P class="p90 ft6">språk</P></TD>
<TD colspan=4 class="tr16 td121"><P class="p181 ft6">kommunikationen</P></TD>
<TD class="tr16 td20"><P class="p75 ft6">vilket</P></TD>
<TD colspan=3 class="tr16 td200"><P class="p31 ft6">språk</P></TD>
<TD colspan=4 class="tr16 td112"><P class="p17 ft6">kommunikationen</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td8"><P class="p181 ft3">mellan leverantören och använd-</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft3">mellan leverantören och använd-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td127"><P class="p152 ft6">aren ska ske,</P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td136"><P class="p75 ft7">aren ska ske,</P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p154 ft6"><SPAN class="ft4">16</SPAN>. användarens rätt att få ram-</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p27 ft6"><SPAN class="ft4">17</SPAN>. användarens rätt att få ram-</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td127"><P class="p152 ft3">avtalets villkor</P></TD>
<TD colspan=2 class="tr15 td177"><P class="p74 ft3">samt</P></TD>
<TD colspan=2 class="tr15 td53"><P class="p181 ft3">information</P></TD>
<TD colspan=4 class="tr15 td76"><P class="p75 ft3">avtalets villkor</P></TD>
<TD colspan=2 class="tr15 td177"><P class="p74 ft3">samt</P></TD>
<TD colspan=2 class="tr15 td103"><P class="p27 ft3">information</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td214"><P class="p152 ft6">enligt 13 §,</P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td136"><P class="p75 ft6">enligt 13 §,</P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6"><SPAN class="ft4">17</SPAN>. de åtgärder som användaren</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p17 ft6"><SPAN class="ft4">18</SPAN>. de åtgärder som användaren</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td8"><P class="p181 ft3">ska vidta för att skydda betalnings-</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft5">ska vidta för att skydda betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td214"><P class="p152 ft7">instrumentet</P></TD>
<TD colspan=3 class="tr16 td150"><P class="p228 ft6">och hur</P></TD>
<TD colspan=2 class="tr16 td53"><P class="p181 ft7">användaren</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p75 ft6">instrumentet</P></TD>
<TD colspan=3 class="tr16 td9"><P class="p202 ft6">och hur</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p17 ft7">användaren</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td8"><P class="p181 ft6">ska anmäla att ett betalnings-</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">ska anmäla att ett betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td8"><P class="p181 ft3">instrument kommit bort eller obe-</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft5">instrument kommit bort eller obe-</P></TD>
</TR>
<TR>
<TD class="tr28 td6"><P class="p17 ft7">40</P></TD>
<TD colspan=4 class="tr28 td212"><P class="p152 ft3">hörigen använts,</P></TD>
<TD class="tr28 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td105"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr28 td86"><P class="p75 ft3">hörigen använts,</P></TD>
<TD class="tr28 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td120"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_41">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t36">
<TR>
<TD class="tr2 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr2 td64"><P class="p153 ft4">19. vilka åtgärder</P></TD>
<TD colspan=2 class="tr2 td208"><P class="p17 ft4">betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td215"><P class="p75 ft4">leverantören vidtar för att på ett</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td215"><P class="p75 ft4">säkert sätt underrätta betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td215"><P class="p75 ft4">användaren om obehörig använd-</P></TD>
</TR>
<TR>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td216"><P class="p75 ft4">ning och säkerhetsrisker,</P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft6"><SPAN class="ft4">18</SPAN>. i förekommande fall, under</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p153 ft6"><SPAN class="ft4">20</SPAN>. i förekommande fall, under</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft6">vilka</P></TD>
<TD colspan=3 class="tr16 td205"><P class="p1 ft7">omständigheter</P></TD>
<TD colspan=2 class="tr16 td62"><P class="p154 ft6">leverantören</P></TD>
<TD colspan=4 class="tr16 td64"><P class="p75 ft6">vilka omständigheter</P></TD>
<TD colspan=2 class="tr16 td208"><P class="p17 ft6">leverantören</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft5">förbehåller sig rätten att spärra ett</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p75 ft5">förbehåller sig rätten att spärra ett</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td85"><P class="p3 ft5">betalningsinstrument</P></TD>
<TD colspan=2 class="tr16 td62"><P class="p154 ft5">enligt 5 kap.</P></TD>
<TD colspan=4 class="tr16 td64"><P class="p75 ft5">betalningsinstrument</P></TD>
<TD class="tr16 td23"><P class="p3 ft6">enligt</P></TD>
<TD class="tr16 td66"><P class="p17 ft5">5 kap.</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft6">4 §,</P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td166"><P class="p75 ft6">4 §,</P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft4">19<SPAN class="ft3">. </SPAN>vilket <SPAN class="ft3">ansvar </SPAN>betalaren har</P></TD>
<TD colspan=3 class="tr15 td116"><P class="p153 ft41">21<SPAN class="ft5">. </SPAN>betalarens</P></TD>
<TD colspan=2 class="tr15 td78"><P class="p148 ft3">ansvar</P></TD>
<TD class="tr15 td66"><P class="p17 ft3">enligt</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft4"><SPAN class="ft6">enligt </SPAN>lagen (2010:000) om obe-</P></TD>
<TD class="tr16 td166"><P class="p75 ft4">5 a kap.<SPAN class="ft6">,</SPAN></P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft4">höriga transaktioner med betal-</P></TD>
<TD class="tr16 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td190"><P class="p3 ft4">ningsinstrument<SPAN class="ft5">,</SPAN></P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft6"><SPAN class="ft4">20</SPAN>. hur och inom vilken tidsfrist</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p153 ft5"><SPAN class="ft41">22</SPAN>. hur och inom vilken tidsfrist</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft4">som</P></TD>
<TD colspan=4 class="tr16 td156"><P class="p1 ft6">användaren ska</P></TD>
<TD class="tr16 td122"><P class="p154 ft5">underrätta</P></TD>
<TD colspan=2 class="tr16 td136"><P class="p75 ft6">användaren</P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft6">ska</P></TD>
<TD colspan=2 class="tr16 td208"><P class="p17 ft6">underrätta</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft3">leverantören om felaktigt genom-</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p75 ft3">leverantören om felaktigt genom-</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft6">förda</P></TD>
<TD colspan=5 class="tr16 td89"><P class="p154 ft7">betalningstransaktioner eller</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p75 ft5">förda betalningstransaktioner eller</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td48"><P class="p3 ft7">obehöriga transaktioner,</P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td216"><P class="p75 ft6">obehöriga transaktioner,</P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">21</SPAN>. leverantörens ansvar för</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p153 ft3"><SPAN class="ft4">23</SPAN>. leverantörens ansvar för</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td190"><P class="p3 ft6">genomförande</P></TD>
<TD class="tr16 td126"><P class="p3 ft6">av</P></TD>
<TD colspan=2 class="tr16 td62"><P class="p154 ft7">transaktioner</P></TD>
<TD class="tr16 td166"><P class="p75 ft41">initiering</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p41 ft4">eller</P></TD>
<TD colspan=3 class="tr16 td198"><P class="p17 ft6">genomförande av</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td48"><P class="p3 ft6">enligt 5 kap. <NOBR><SPAN class="ft4">25–29</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§,</P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td136"><P class="p75 ft5">transaktioner</P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td78"><P class="p75 ft6">enligt</P></TD>
<TD class="tr16 td66"><P class="p17 ft5">5 kap.</P></TD>
</TR>
<TR>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td136"><P class="p75 ft4"><NOBR>47–53</NOBR> <SPAN class="ft3">§§,</SPAN></P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft6"><SPAN class="ft4">22</SPAN>. villkoren för återbetalning</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p153 ft6"><SPAN class="ft4">24</SPAN>. villkoren för återbetalning</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td85"><P class="p3 ft6">enligt 5 kap. <NOBR><SPAN class="ft4">6–8</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr16 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td216"><P class="p75 ft6">enligt 5 kap. <NOBR><SPAN class="ft4">28–30</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">23</SPAN>. i förekommande fall, uppgift</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p153 ft5"><SPAN class="ft41">25</SPAN>. i förekommande fall, uppgift</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft6">om att användaren ska anses ha</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p75 ft6">om att användaren ska anses ha</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td165"><P class="p3 ft6">godkänt de</P></TD>
<TD colspan=3 class="tr16 td153"><P class="p31 ft6">ändrade</P></TD>
<TD class="tr16 td122"><P class="p154 ft6">villkoren</P></TD>
<TD class="tr16 td166"><P class="p75 ft6">godkänt</P></TD>
<TD class="tr16 td33"><P class="p74 ft6">de</P></TD>
<TD colspan=4 class="tr16 td96"><P class="p17 ft6">ändrade villkoren</P></TD>
</TR>
<TR>
<TD class="tr15 td75"><P class="p3 ft3">enligt</P></TD>
<TD class="tr15 td90"><P class="p154 ft3">14 §</P></TD>
<TD class="tr15 td67"><P class="p3 ft3">om</P></TD>
<TD colspan=3 class="tr15 td128"><P class="p154 ft3">användaren inte</P></TD>
<TD colspan=2 class="tr15 td136"><P class="p75 ft3">enligt 14 §</P></TD>
<TD class="tr15 td11"><P class="p3 ft7">om</P></TD>
<TD colspan=3 class="tr15 td198"><P class="p17 ft3">användaren inte</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft5">före den dag då de föreslås träda i</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p75 ft5">före den dag då de föreslås träda i</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft6">kraft</P></TD>
<TD colspan=2 class="tr16 td166"><P class="p3 ft7">underrättar</P></TD>
<TD colspan=3 class="tr16 td128"><P class="p154 ft6">leverantören om</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p75 ft6">kraft underrättar leverantören om</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td190"><P class="p3 ft3">att användaren</P></TD>
<TD colspan=2 class="tr15 td81"><P class="p93 ft3">inte</P></TD>
<TD class="tr15 td122"><P class="p154 ft7">godkänner</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p75 ft3">att användaren inte godkänner</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft6">dem,</P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td166"><P class="p75 ft6">dem,</P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td85"><P class="p90 ft6"><SPAN class="ft4">24</SPAN>. avtalets löptid,</P></TD>
<TD class="tr16 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td64"><P class="p153 ft6"><SPAN class="ft4">26</SPAN>. avtalets löptid,</P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">25</SPAN>. <SPAN class="ft4">om </SPAN>uppsägningstider och</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p153 ft5"><SPAN class="ft41">27</SPAN>. uppsägningstider och avgif-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft5">avgifter för uppsägning enligt 14 §</P></TD>
<TD class="tr16 td166"><P class="p75 ft6">ter för</P></TD>
<TD colspan=3 class="tr16 td98"><P class="p3 ft6">uppsägning</P></TD>
<TD class="tr16 td23"><P class="p74 ft6">enligt</P></TD>
<TD class="tr16 td66"><P class="p17 ft6">14 §</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td48"><P class="p3 ft5">tredje stycket eller 15 §,</P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td216"><P class="p75 ft6">tredje stycket eller 15 §,</P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">26</SPAN>. eventuella avtalsbestämmel-</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p153 ft5"><SPAN class="ft41">28</SPAN>. eventuella avtalsbestämmel-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft6">ser om vilket lands lag som ska</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p75 ft6">ser om vilket lands lag som ska</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft6">tillämpas för ramavtalet och om</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p75 ft6">tillämpas för ramavtalet och om</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft3">vilken domstol som är behörig,</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p75 ft3">vilken domstol som är behörig,</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft6">och</P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td166"><P class="p75 ft6">och</P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft6"><SPAN class="ft4">27</SPAN>. vilka förfaranden för klagomål</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p153 ft7"><SPAN class="ft72">29</SPAN>. vilka förfaranden för klagomål</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft5">och prövning utanför domstol som</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p75 ft5">och prövning utanför domstol som</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr28 td85"><P class="p3 ft3">finns för användaren.</P></TD>
<TD class="tr28 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td122"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr28 td64"><P class="p75 ft3">finns för användaren.</P></TD>
<TD class="tr28 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td66"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p244 ft3">15 §</P>
<P class="p230 ft3">Betaltjänstanvändaren får säga upp ramavtalet med omedelbar verkan, såvida inte parterna har kommit överens om en uppsägningstid. Betal- tjänstleverantören får inte göra gällande en längre uppsägningstid för användaren än en månad.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">41</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_42">
<TABLE cellpadding=0 cellspacing=0 class="t37">
<TR>
<TD class="tr19 td86"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td126"><P class="p3 ft3">Om</P></TD>
<TD colspan=3 class="tr19 td79"><P class="p72 ft3">leverantören</P></TD>
<TD colspan=2 class="tr19 td20"><P class="p70 ft3">säger</P></TD>
<TD class="tr19 td33"><P class="p3 ft3">upp</P></TD>
<TD class="tr19 td164"><P class="p181 ft3">ett</P></TD>
<TD colspan=6 class="tr19 td102"><P class="p27 ft3">Om leverantören säger upp ett</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p3 ft5">ramavtal som ingåtts på obestämd</P></TD>
<TD colspan=6 class="tr15 td102"><P class="p75 ft7">ramavtal som ingåtts på obestämd</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft6">tid,</P></TD>
<TD class="tr16 td66"><P class="p72 ft6">ska</P></TD>
<TD colspan=5 class="tr16 td128"><P class="p3 ft6">uppsägningstiden</P></TD>
<TD class="tr16 td164"><P class="p181 ft6">vara</P></TD>
<TD class="tr16 td74"><P class="p75 ft6">tid,</P></TD>
<TD colspan=4 class="tr16 td147"><P class="p71 ft6">ska uppsägningstiden</P></TD>
<TD class="tr16 td162"><P class="p27 ft7">vara</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td113"><P class="p3 ft7">minst två månader.</P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td179"><P class="p75 ft6">minst två månader.</P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p3 ft5">Ett ramavtal som har ingåtts för en</P></TD>
<TD colspan=6 class="tr15 td102"><P class="p27 ft3">Ett ramavtal som har ingåtts för</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">bestämd tid av mer än <SPAN class="ft4">tolv</SPAN></P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft6">en bestämd tid av mer än <SPAN class="ft4">sex</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p3 ft5">månader eller på obestämd tid ska</P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft7">månader eller på obestämd tid ska</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p3 ft3">kunna sägas upp avgiftsfritt av</P></TD>
<TD colspan=6 class="tr15 td102"><P class="p75 ft3">kunna sägas upp avgiftsfritt av</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td191"><P class="p3 ft7">användaren efter <SPAN class="ft72">tolv </SPAN>månader.</P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td214"><P class="p75 ft5">användaren efter <SPAN class="ft41">sex </SPAN>månader.</P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">När leverantören får ta ut en avgift</P></TD>
<TD colspan=6 class="tr16 td102"><P class="p17 ft6">När leverantören får ta ut en</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft3">för</P></TD>
<TD colspan=4 class="tr15 td15"><P class="p3 ft3">uppsägningen,</P></TD>
<TD class="tr15 td68"><P class="p3 ft3">ska</P></TD>
<TD colspan=2 class="tr15 td80"><P class="p181 ft3">avgiften</P></TD>
<TD colspan=2 class="tr15 td104"><P class="p75 ft3">avgift</P></TD>
<TD class="tr15 td164"><P class="p3 ft3">för</P></TD>
<TD colspan=2 class="tr15 td210"><P class="p3 ft3">uppsägningen,</P></TD>
<TD class="tr15 td162"><P class="p17 ft3">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td153"><P class="p3 ft6">motsvara</P></TD>
<TD class="tr16 td33"><P class="p3 ft6">de</P></TD>
<TD colspan=5 class="tr16 td96"><P class="p181 ft6">faktiska kostnader</P></TD>
<TD colspan=2 class="tr16 td104"><P class="p75 ft6">avgiften</P></TD>
<TD colspan=2 class="tr16 td138"><P class="p90 ft6">motsvara</P></TD>
<TD colspan=2 class="tr16 td141"><P class="p17 ft6">de faktiska</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft6">som</P></TD>
<TD colspan=4 class="tr16 td15"><P class="p75 ft6">uppsägningen</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p74 ft6">medför</P></TD>
<TD class="tr16 td164"><P class="p181 ft6">för</P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft7">kostnader som uppsägningen med-</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td106"><P class="p3 ft3">leverantören.</P></TD>
<TD colspan=3 class="tr15 td103"><P class="p3 ft3">Periodiska</P></TD>
<TD colspan=2 class="tr15 td80"><P class="p181 ft3">avgifter</P></TD>
<TD class="tr15 td74"><P class="p75 ft3">för</P></TD>
<TD class="tr15 td33"><P class="p3 ft3">för</P></TD>
<TD colspan=4 class="tr15 td97"><P class="p17 ft3">leverantören. Periodiska</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p3 ft5">för betaltjänster ska betalas endast</P></TD>
<TD colspan=2 class="tr16 td104"><P class="p75 ft6">avgifter</P></TD>
<TD class="tr16 td164"><P class="p90 ft6">för</P></TD>
<TD colspan=2 class="tr16 td210"><P class="p90 ft6">betaltjänster</P></TD>
<TD class="tr16 td162"><P class="p17 ft6">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">för tiden fram till det att avtalet</P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft6">betalas endast för tiden fram till</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p3 ft3">upphör att gälla. Om sådana</P></TD>
<TD colspan=6 class="tr15 td102"><P class="p75 ft5">det att avtalet upphör att gälla. Om</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">avgifter har betalats i förskott, ska</P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft6">sådana avgifter har betalats i</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft6">de</P></TD>
<TD colspan=3 class="tr16 td79"><P class="p1 ft4">återbetalas</P></TD>
<TD class="tr16 td69"><P class="p3 ft6">i</P></TD>
<TD colspan=3 class="tr16 td106"><P class="p181 ft6">motsvarande</P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft6">förskott, ska de <SPAN class="ft4">betalas tillbaka </SPAN>i</P></TD>
</TR>
<TR>
<TD class="tr20 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td106"><P class="p3 ft3">omfattning.</P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr20 td214"><P class="p75 ft3">motsvarande omfattning.</P></TD>
<TD class="tr20 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr29 td206"><P class="p3 ft58">Tvingande bestämmelser</P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr29 td214"><P class="p75 ft69">Möjlighet att avvika från</P></TD>
<TD class="tr29 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr20 td179"><P class="p75 ft69">bestämmelserna</P></TD>
<TD class="tr20 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td122"><P class="p199 ft3">20 §<SPAN class="ft43">11</SPAN></P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td113"><P class="p31 ft4">Bestämmelserna</P></TD>
<TD class="tr15 td69"><P class="p70 ft4">i</P></TD>
<TD class="tr15 td68"><P class="p146 ft41">detta</P></TD>
<TD colspan=2 class="tr15 td80"><P class="p181 ft4">kapitel</P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p3 ft4">får inte frångås till nackdel för en</P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td206"><P class="p3 ft4">betaltjänstanvändare.</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=6 rowspan=2 class="tr25 td102"><P class="p27 ft3"><SPAN class="ft4">En </SPAN>betaltjänstleverantör <SPAN class="ft4">får kom-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p181 ft4">Första stycket hindrar dock inte</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6"><SPAN class="ft4">att en </SPAN>betaltjänstleverantör <SPAN class="ft4">kom-</SPAN></P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft6"><SPAN class="ft4">ma </SPAN>överens med en betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6"><SPAN class="ft4">mer </SPAN>överens med en betaltjänst-</P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft5">användare som inte är konsument</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p3 ft3">användare som inte är konsument</P></TD>
<TD colspan=6 class="tr15 td102"><P class="p75 ft3">om avvikelser från bestämmel-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">om avvikelser från bestämmel-</P></TD>
<TD colspan=4 class="tr16 td179"><P class="p75 ft4"><SPAN class="ft6">serna </SPAN>i detta kapitel<SPAN class="ft6">.</SPAN></P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td153"><P class="p3 ft3">serna.</P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr27 td102"><P class="p75 ft69">Påföljd vid utebliven information</P></TD>
</TR>
<TR>
<TD class="tr31 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td74"><P class="p75 ft4">21 §</P></TD>
<TD class="tr31 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td102"><P class="p17 ft4">Om information inte lämnas i</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td104"><P class="p75 ft4">enlighet</P></TD>
<TD class="tr16 td164"><P class="p75 ft4">med</P></TD>
<TD class="tr16 td65"><P class="p90 ft4"><NOBR>3–6,</NOBR></P></TD>
<TD class="tr16 td82"><P class="p71 ft4"><NOBR>10–13</NOBR></P></TD>
<TD class="tr16 td162"><P class="p17 ft4">och</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td102"><P class="p75 ft4">19 §§, ska även marknadsförings-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft4">lagen (2008:486) tillämpas, med</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft41">undantag av bestämmelserna i 29–</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td104"><P class="p75 ft4">36 §§</P></TD>
<TD class="tr15 td164"><P class="p1 ft4">om</P></TD>
<TD colspan=3 class="tr15 td146"><P class="p17 ft4">marknadsstörnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td104"><P class="p75 ft4">avgift.</P></TD>
<TD colspan=3 class="tr16 td143"><P class="p3 ft4">Sådan information</P></TD>
<TD class="tr16 td162"><P class="p27 ft4">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft4">anses vara väsentlig enligt 10 §</P></TD>
</TR>
<TR>
<TD class="tr20 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr20 td214"><P class="p75 ft4">tredje stycket den lagen.</P></TD>
<TD class="tr20 td162"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p245 ft7"><SPAN class="ft44">11 </SPAN>Ändringen innebär bl.a. att första stycket tas bort.</P>
<P class="p102 ft3">42</P>
</DIV>
<DIV id="page_43">
<DIV>
<DIV id="id_1">
<P class="p236 ft69">Bemyndiganden</P>
<P class="p246 ft4">22 §</P>
<P class="p237 ft4">Regeringen eller den myndighet som regeringen bestämmer får meddela föreskrifter om hur betal- tjänstleverantörer ska göra det informationsmaterial om konsum- enters rättigheter som avses i 3 a § tillgängligt för betaltjänstanvän- dare.</P>
<P class="p247 ft42">4 a kap.</P>
<P class="p248 ft3">5 §<SPAN class="ft43">12</SPAN></P>
<P class="p89 ft5">En betaltjänstleverantör ska i rimlig tid innan den ingår ett avtal om betalkonto ge konsumenten en förteckning över de mest representativa tjänsterna som är knutna till betalkonton i Sverige och, i den utsträckning betaltjänstleverantören tillhandhåller dessa tjänster, informera konsu- menten om avgifterna för dem. Informationen ska lämnas i pappersform eller på annat varaktigt medium.</P>
<P class="p82 ft3">Betaltjänstleverantören ska också hålla förteckningen och en ordlista som minst omfattar de begrepp som fastställts i förteckningen tillgäng- liga för konsumenten.</P>
<P class="p89 ft5">Betaltjänstleverantören ska, utöver de informationskrav som följer av 4 kap. minst en gång per år ge konsumenten kostnadsfri information om aktuella avgifter och räntesatser för de tjänster som är knutna till betalkontot. Betaltjänstleverantören och konsumenten ska komma överens om på vilket sätt avgifterna ska redovisas. Redovisningen ska lämnas i pappersform om konsumenten begär det.</P>
<P class="p107 ft4">Om information inte lämnas i enlighet med denna paragraf, ska även marknadsföringslagen (2008:486) tillämpas, med undan- tag av bestämmelserna i <NOBR>29–36</NOBR> §§ om marknadsstörningsavgift. Sådan information ska anses vara väsentlig enligt 10 § tredje stycket den lagen.</P>
<P class="p249 ft42"><SPAN class="ft42">5</SPAN><SPAN class="ft71">kap.</SPAN></P>
<P class="p250 ft3">1 §</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr20 td155"><P class="p129 ft3">En betaltjänstleverantör får</P></TD>
<TD class="tr20 td23"><P class="p62 ft5">inte</P></TD>
<TD class="tr20 td155"><P class="p90 ft3">En betaltjänstleverantör får</P></TD>
<TD class="tr20 td13"><P class="p17 ft5">inte</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p62 ft5">ta ut någon avgift av en betaltjänst-</P></TD>
<TD colspan=2 class="tr16 td61"><P class="p17 ft5">ta ut någon avgift av en betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p62 ft3">användare för fullgörandet av sin</P></TD>
<TD colspan=2 class="tr15 td61"><P class="p17 ft3">användare för fullgörandet av sin</P></TD>
</TR>
<TR>
<TD class="tr16 td155"><P class="p129 ft6">informationsskyldighet samt</P></TD>
<TD class="tr16 td23"><P class="p62 ft6">av</P></TD>
<TD class="tr16 td155"><P class="p3 ft6">informationsskyldighet samt</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">av</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p62 ft5">skydds- och korrigeringsåtgärder</P></TD>
<TD colspan=2 class="tr16 td61"><P class="p17 ft5">skydds- och korrigeringsåtgärder</P></TD>
</TR>
<TR>
<TD class="tr20 td155"><P class="p17 ft3">enligt detta kapitel förutom i</P></TD>
<TD class="tr20 td23"><P class="p62 ft3">de</P></TD>
<TD class="tr20 td155"><P class="p3 ft3">enligt detta kapitel förutom i</P></TD>
<TD class="tr20 td13"><P class="p17 ft3">de</P></TD>
</TR>
</TABLE>
<P class="p91 ft7"><SPAN class="ft44">12 </SPAN>Senaste lydelse 2017:342.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">43</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_44">
<DIV id="tx1"><SPAN class="ft40">En betalningstransaktion ska betraktas som godkänd om beta- laren </SPAN><SPAN class="ft39">uttryckligen </SPAN><SPAN class="ft40">har lämnat sitt samtycke till att den genomförs.</SPAN></DIV>
<DIV id="tx2"><SPAN class="ft4">Samtycket ska lämnas antingen direkt till den kontoförvaltande betaltjänstleverantören eller via betalningsmottagaren eller, i före- kommande fall, leverantören av betalningsinitieringstjänsten</SPAN><SPAN class="ft3">.</SPAN></DIV>
<TABLE cellpadding=0 cellspacing=0 class="t37">
<TR>
<TD class="tr19 td86"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=2 class="tr19 td60"><P class="p3 ft3">fall som anges i <SPAN class="ft4">10</SPAN>, <SPAN class="ft4">15 </SPAN>och <SPAN class="ft4">23 </SPAN>§§<SPAN class="ft4">.</SPAN></P></TD>
<TD colspan=3 class="tr19 td72"><P class="p27 ft5">fall som anges i <SPAN class="ft41">32</SPAN>, <SPAN class="ft41">37 </SPAN>och <SPAN class="ft41">45 </SPAN>§§<SPAN class="ft41">.</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">När avgifter får tas ut enligt någon</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p27 ft5">När avgifter får tas ut enligt någon</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td60"><P class="p3 ft5">av dessa bestämmelser ska de vara</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft7">av dessa bestämmelser ska de vara</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">skäliga och motsvara betaltjänst-</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p27 ft5">skäliga och motsvara betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">leverantörens faktiska kostnader</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p3 ft5">leverantörens faktiska kostnader.</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p31 ft4">Om en</P></TD>
<TD class="tr16 td17"><P class="p3 ft4">betalningstransaktion</P></TD>
<TD class="tr16 td162"><P class="p31 ft4">I</P></TD>
<TD colspan=2 class="tr16 td191"><P class="p17 ft4">förhållandet mellan betalaren</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft4">inte medför</P></TD>
<TD class="tr16 td17"><P class="p3 ft4">någon valutaväxling,</P></TD>
<TD class="tr16 td162"><P class="p3 ft6">och</P></TD>
<TD class="tr16 td160"><P class="p148 ft6">betalningsmottagaren</P></TD>
<TD class="tr16 td120"><P class="p17 ft41">ska</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3"><SPAN class="ft4">ska betalaren </SPAN>och betalningsmot-</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p17 ft4">betalaren svara för de avgifter som</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">tagaren <SPAN class="ft4">betala </SPAN>de avgifter som</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft41">betalarens betaltjänstleverantör tar</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6"><SPAN class="ft4">deras respektive </SPAN>betaltjänstleveran-</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft41">ut och betalningsmottagaren svara</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td165"><P class="p3 ft3">tör tar ut.</P></TD>
<TD class="tr15 td17"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft4">för</P></TD>
<TD colspan=2 class="tr15 td191"><P class="p17 ft3">de avgifter som <SPAN class="ft4">mottagarens</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td17"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td131"><P class="p3 ft6">betaltjänstleverantör tar ut.</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p17 ft5">Betaltjänstleverantören får inte hindra en betalningsmottagare från att</P></TD>
</TR>
</TABLE>
<P class="p251 ft6">erbjuda betalaren en nedsättning vid användning av ett visst betalnings- instrument.</P>
<P class="p99 ft3">En betalningsmottagare får inte ta ut någon avgift av betalaren vid användning av ett betalningsinstrument.</P>
<P class="p252 ft83">2 §<SPAN class="ft82">13</SPAN></P>
<P class="p253 ft3">För elektroniska pengar och sådana betalningsinstrument som avses i 4 kap. 19 § första stycket får betaltjänstleverantören och betaltjänst- användaren i ramavtal komma överens om</P>
<P class="p51 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">att leverantören inte behöver underrätta användaren att betalnings- ordern har avvisats, om det av sammanhanget klart framgår att den inte har utförts,</SPAN></P>
<P class="p51 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">att betalaren inte får återkalla betalningsordern efter att ha godkänt att den genomförs,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t38">
<TR>
<TD class="tr15 td104"><P class="p31 ft7">3. andra</P></TD>
<TD class="tr15 td205"><P class="p41 ft7">tidsgränser för</P></TD>
<TD class="tr15 td103"><P class="p21 ft3">genom-</P></TD>
<TD class="tr15 td72"><P class="p27 ft3">3. andra tidsgränser för genom-</P></TD>
</TR>
<TR>
<TD class="tr15 td104"><P class="p3 ft3">förandet</P></TD>
<TD class="tr15 td205"><P class="p3 ft3">än de som</P></TD>
<TD class="tr15 td103"><P class="p21 ft3">anges i</P></TD>
<TD class="tr15 td72"><P class="p17 ft3">förandet än de som anges i</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr21 td207"><P class="p3 ft23"><NOBR><SPAN class="ft62">18–22</SPAN></NOBR><SPAN class="ft62"> </SPAN>§§, eller</P></TD>
<TD class="tr21 td103"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td72"><P class="p254 ft24"><NOBR><SPAN class="ft84">40–44</SPAN></NOBR><SPAN class="ft84"> </SPAN>§§, eller</P></TD>
</TR>
</TABLE>
<P class="p96 ft3">4. att det inte ska vara möjligt att spärra betalningsinstrumentet.</P>
<P class="p255 ft76">3 § En betalningstransaktion ska</P>
<P class="p256 ft3">betraktas som godkänd om betalaren har lämnat sitt samtycke till att den genomförs.</P>
<P class="p257 ft7"><SPAN class="ft44">13 </SPAN>Senaste lydelse 2011:775.</P>
<P class="p102 ft3">44</P>
</DIV>
<DIV id="page_45">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=4 class="tr22 td206"><P class="p3 ft78">Betaltjänstleverantörens</P></TD>
<TD class="tr22 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr22 td217"><P class="p3 ft78">Betaltjänstleverantörens</P></TD>
<TD class="tr22 td81"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td206"><P class="p3 ft42">skyldigheter avseende</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft79">respektive betaltjänstanvändarens</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td206"><P class="p3 ft80">betalningsinstrument</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td217"><P class="p3 ft78">skyldigheter avseende <SPAN class="ft79">ett</SPAN></P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td108"><P class="p3 ft78">betalningsinstrument</P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 rowspan=2 class="tr35 td218"><P class="p90 ft3">Betaltjänstleverantören ska</P></TD>
<TD class="tr27 td142"><P class="p17 ft3">5 §</P></TD>
<TD class="tr27 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td81"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=5 rowspan=2 class="tr27 td61"><P class="p17 ft4">1. se till att villkoren för utgiv-</P></TD>
</TR>
<TR>
<TD class="tr38 td81"><P class="p3 ft85"> </P></TD>
<TD class="tr38 td151"><P class="p3 ft85"> </P></TD>
<TD class="tr38 td20"><P class="p3 ft85"> </P></TD>
<TD class="tr38 td82"><P class="p3 ft85"> </P></TD>
<TD class="tr38 td27"><P class="p3 ft85"> </P></TD>
<TD class="tr38 td142"><P class="p3 ft85"> </P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft4">ning och användning av betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft41">ningsinstrument är objektiva, icke-</P></TD>
</TR>
<TR>
<TD colspan=6 rowspan=2 class="tr25 td60"><P class="p90 ft4">1<SPAN class="ft3">. se till att </SPAN>den personliga</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft41">diskriminerande och proportionella,</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td61"><P class="p17 ft4">2<SPAN class="ft6">. se till att </SPAN>de personliga</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft4">koden</P></TD>
<TD colspan=5 class="tr16 td30"><P class="p62 ft5">till betalningsinstrumentet</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft4">behörighetsfunktioner som är</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">inte görs <SPAN class="ft4">tillgänglig </SPAN>av leve-</P></TD>
<TD class="tr15 td81"><P class="p3 ft4">knutna</P></TD>
<TD colspan=4 class="tr15 td217"><P class="p17 ft5">till betalningsinstrumentet</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">rantören för andra än den betal-</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft6">inte görs <SPAN class="ft4">tillgängliga </SPAN>av leve-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">tjänstanvändare som har rätt att</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft6">rantören för andra än den betal-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">använda betalningsinstrumentet,</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft3">tjänstanvändare som har rätt att</P></TD>
</TR>
<TR>
<TD colspan=2 rowspan=2 class="tr31 td50"><P class="p90 ft3"><SPAN class="ft4">2. </SPAN>inte</P></TD>
<TD rowspan=2 class="tr31 td20"><P class="p1 ft3">skicka</P></TD>
<TD colspan=3 rowspan=2 class="tr31 td128"><P class="p62 ft7">betalningsinstru-</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft6">använda betalningsinstrumentet,</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td61"><P class="p17 ft7"><SPAN class="ft72">3</SPAN>. inte skicka betalningsinstrument</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">ment till någon som inte har</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft5">till någon som inte har beställt det,</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">beställt det, förutom då ett betal-</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft7">förutom då ett betalningsinstrument</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft5">ningsinstrument som redan innehas</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft7">som redan innehas av användaren</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td218"><P class="p3 ft3">av användaren ska ersättas,</P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td156"><P class="p3 ft3">ska ersättas,</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p90 ft6"><SPAN class="ft4">3</SPAN>. se till att användare när som</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft6"><SPAN class="ft4">4</SPAN>. se till att användare när som</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">helst har möjlighet att på lämpligt</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft5">helst har möjlighet att på lämpligt</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">sätt anmäla till leverantören att ett</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft5">sätt anmäla till leverantören att ett</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td206"><P class="p3 ft6">betalningsinstrument har</P></TD>
<TD colspan=2 class="tr16 td153"><P class="p62 ft6">kommit</P></TD>
<TD colspan=3 class="tr16 td108"><P class="p3 ft6">betalningsinstrument</P></TD>
<TD class="tr16 td105"><P class="p3 ft6">har</P></TD>
<TD class="tr16 td81"><P class="p17 ft5">kommit</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">bort eller obehörigen använts eller</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft5">bort eller obehörigen använts eller</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">begära att en spärr hävs enligt 4 §</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft5">begära att en spärr hävs enligt 4 §</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td198"><P class="p3 ft5">fjärde stycket, och</P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td156"><P class="p3 ft5">fjärde stycket, och</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p90 ft6"><SPAN class="ft4">4</SPAN>. förhindra användning av betal-</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft6"><SPAN class="ft4">5</SPAN>. förhindra användning av betal-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td198"><P class="p3 ft7">ningsinstrumentet</P></TD>
<TD class="tr15 td82"><P class="p3 ft3">när en</P></TD>
<TD colspan=2 class="tr15 td153"><P class="p62 ft7">anmälan</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft7">ningsinstrumentet när en anmälan</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td206"><P class="p3 ft6">enligt <SPAN class="ft4">3 </SPAN>har lämnats.</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td108"><P class="p3 ft6">enligt <SPAN class="ft4">4 </SPAN>har lämnats.</P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p90 ft6">En</P></TD>
<TD colspan=4 class="tr16 td64"><P class="p72 ft6">betaltjänstleverantör</P></TD>
<TD class="tr16 td142"><P class="p62 ft6">ska</P></TD>
<TD class="tr16 td81"><P class="p90 ft6">En</P></TD>
<TD colspan=4 class="tr16 td217"><P class="p17 ft6">betaltjänstleverantör ska</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">under 18 månader efter det att en</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft5">under 18 månader efter det att en</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">anmälan eller en begäran enligt</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft6">anmälan eller en begäran enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft6">första</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p3 ft6">stycket <SPAN class="ft4">3</SPAN></P></TD>
<TD class="tr16 td82"><P class="p1 ft5">lämnats</P></TD>
<TD colspan=2 class="tr16 td153"><P class="p62 ft6">bevara</P></TD>
<TD class="tr16 td81"><P class="p3 ft6">första</P></TD>
<TD class="tr16 td166"><P class="p3 ft6">stycket <SPAN class="ft4">4</SPAN></P></TD>
<TD colspan=2 class="tr16 td123"><P class="p3 ft6">lämnats</P></TD>
<TD class="tr16 td81"><P class="p17 ft6">bevara</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">information som gör det möjligt</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft3">information som gör det möjligt</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td206"><P class="p3 ft6">för betaltjänstanvändaren</P></TD>
<TD class="tr16 td27"><P class="p1 ft6">att</P></TD>
<TD class="tr16 td142"><P class="p62 ft7">visa</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft6">för betaltjänstanvändaren att visa</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">att en anmälan eller begäran har</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft6">att en anmälan eller begäran har</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td50"><P class="p3 ft3">lämnats.</P></TD>
<TD class="tr15 td20"><P class="p3 ft3">Sådan</P></TD>
<TD colspan=2 class="tr15 td140"><P class="p1 ft3">information</P></TD>
<TD class="tr15 td142"><P class="p62 ft3">ska</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft3">lämnats. Sådan information ska</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">lämnas till användaren om använ-</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft5">lämnas till användaren om använ-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td198"><P class="p3 ft6">daren begär det.</P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td156"><P class="p3 ft6">daren begär det.</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td61"><P class="p17 ft4">En anmälan enligt första stycket 4</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft4">ska vara avgiftsfri för betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft4">användaren. Betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft41">tören får dock ta ut en avgift för de</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td61"><P class="p3 ft41">kostnader som är direkt hänförliga</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td156"><P class="p3 ft4">till ersättandet</P></TD>
<TD class="tr16 td33"><P class="p1 ft4">av</P></TD>
<TD colspan=2 class="tr16 td98"><P class="p17 ft4">betalnings-</P></TD>
</TR>
<TR>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td156"><P class="p3 ft4">instrumentet.</P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">45</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_46">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td219"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr1 td89"><P class="p258 ft4">6 §</P></TD>
<TD class="tr1 td120"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td220"><P class="p259 ft41">Betaltjänstanvändaren är</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p17 ft4">skyldig</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td89"><P class="p258 ft4">att</P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td221"><P class="p259 ft41">1. skydda de personliga behörig-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td221"><P class="p258 ft4">hetsfunktioner som är knutna till</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td220"><P class="p258 ft4">betalningsinstrumentet,</P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td221"><P class="p259 ft4">2. vid vetskap om att betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td221"><P class="p258 ft4">instrumentet har kommit bort eller</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td221"><P class="p258 ft4">obehörigen använts snarast an-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td221"><P class="p258 ft4">mäla detta till betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td222"><P class="p258 ft4">tören, och</P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td221"><P class="p259 ft4">3. i övrigt följa de villkor som</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td221"><P class="p258 ft4">enligt avtalet gäller för använd-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td223"><P class="p258 ft41">ning av betalningsinstrumentet.</P></TD>
<TD class="tr15 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td221"><P class="p259 ft4">Av 5 a kap. 3 § framgår att en</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td220"><P class="p258 ft4">betaltjänstanvändare kan</P></TD>
<TD class="tr16 td13"><P class="p3 ft4">bli</P></TD>
<TD class="tr16 td13"><P class="p27 ft4">an-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td221"><P class="p258 ft4">svarig om skyldigheterna i första</P></TD>
</TR>
<TR>
<TD class="tr28 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr28 td220"><P class="p258 ft4">stycket har åsidosatts.</P></TD>
<TD class="tr28 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr27 td224"><P class="p258 ft69">Rätten att använda</P></TD>
<TD class="tr27 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr28 td223"><P class="p258 ft69">betalningsinitieringstjänster</P></TD>
<TD class="tr28 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td89"><P class="p258 ft4">7 §</P></TD>
<TD class="tr27 td120"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td223"><P class="p259 ft4">Betaltjänstanvändaren har</P></TD>
<TD class="tr16 td13"><P class="p17 ft4">rätt</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td222"><P class="p258 ft4">att använda</P></TD>
<TD colspan=5 class="tr16 td95"><P class="p27 ft4">betalningsinitierings-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td221"><P class="p258 ft4">tjänster om det berörda betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td89"><P class="p258 ft4">kontot</P></TD>
<TD class="tr16 td120"><P class="p3 ft4">är</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p130 ft4">tillgängligt</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p17 ft4">online.</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td221"><P class="p258 ft4">Denna rätt gäller oberoende av</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td221"><P class="p258 ft4">om det finns ett avtal om detta</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td221"><P class="p258 ft41">mellan leverantören av betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td221"><P class="p258 ft4">initieringstjänster och den konto-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td222"><P class="p258 ft4">förvaltande</P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td167"><P class="p17 ft41">betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr28 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td89"><P class="p258 ft4">tören.</P></TD>
<TD class="tr28 td120"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr27 td220"><P class="p258 ft69">Betaltjänstleverantörens</P></TD>
<TD class="tr27 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td225"><P class="p258 ft86">skyldigheter vid</P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td220"><P class="p258 ft86">tillhandahållandet av</P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr20 td223"><P class="p258 ft69">betalningsinitieringstjänster</P></TD>
<TD class="tr20 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td89"><P class="p258 ft4">8 §</P></TD>
<TD class="tr29 td120"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td221"><P class="p259 ft4">Vid tillhandahållandet av betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td221"><P class="p258 ft41">ningsinitieringstjänster får leveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td222"><P class="p258 ft4">tören inte</P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td89"><P class="p259 ft4">1. vid</P></TD>
<TD colspan=2 class="tr15 td177"><P class="p71 ft4">någon</P></TD>
<TD colspan=2 class="tr15 td125"><P class="p93 ft4">tidpunkt</P></TD>
<TD colspan=2 class="tr15 td90"><P class="p27 ft4">inneha</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td224"><P class="p258 ft4">betalarens medel,</P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td224"><P class="p259 ft4">2. lagra känsliga</P></TD>
<TD colspan=3 class="tr16 td62"><P class="p17 ft41">betalningsupp-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td221"><P class="p258 ft41">gifter som tillhör betaltjänstanvän-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td89"><P class="p258 ft4">daren,</P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td222"><P class="p259 ft4">3. begära</P></TD>
<TD colspan=2 class="tr16 td20"><P class="p41 ft4">andra</P></TD>
<TD colspan=2 class="tr16 td166"><P class="p74 ft4">uppgifter</P></TD>
<TD class="tr16 td13"><P class="p17 ft4">av</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td219"><P class="p1 ft3">46</P></TD>
<TD colspan=5 class="tr15 td220"><P class="p258 ft4">betaltjänstanvändaren än</P></TD>
<TD colspan=2 class="tr15 td90"><P class="p27 ft41">sådana</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td222"><P class="p258 ft4">som krävs</P></TD>
<TD class="tr28 td33"><P class="p3 ft4">för</P></TD>
<TD class="tr28 td27"><P class="p72 ft4">att</P></TD>
<TD colspan=3 class="tr28 td62"><P class="p27 ft41">tillhandahålla</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_47">
<DIV>
<DIV id="id_1">
<P class="p15 ft4">betalningsinitieringstjänsten<SPAN class="ft3">,</SPAN></P>
<P class="p89 ft41"><SPAN class="ft41">4.</SPAN><SPAN class="ft87">använda, ha tillgång till eller lagra uppgifter för andra ändamål än för att tillhandahålla den betal- ningsinitieringstjänst som uttryck- ligen begärs av betalaren, eller</SPAN></P>
<P class="p230 ft50"><SPAN class="ft4">5.</SPAN><SPAN class="ft49">ändra beloppet, uppgift om betalaren eller något annat inslag</SPAN></P>
<P class="p35 ft4"><SPAN class="ft4">i</SPAN><SPAN class="ft53">transaktionen.</SPAN></P>
<P class="p260 ft4">9 §</P>
<P class="p261 ft50">Leverantören av en betalnings- initieringstjänst ska säkerställa</P>
<P class="p82 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft52">att betaltjänstanvändarens personliga behörighetsfunktioner inte är tillgängliga för andra än leverantören samt användaren och utgivaren av behörighetsfunk- tionerna, och att dessa uppgifter överförs genom leverantören på ett säkert och effektivt sätt, och</SPAN></P>
<P class="p262 ft39"><SPAN class="ft4">2.</SPAN><SPAN class="ft88">att eventuell övrig information om betaltjänstanvändaren som leverantören har fått vid tillhanda- hållandet av tjänsten endast lämnas till betalningsmottagaren och med användarens uttryckliga godkännan- de.</SPAN></P>
<P class="p263 ft4">10 §</P>
<P class="p117 ft50">Leverantören av en betalnings- initieringstjänst ska identifiera sig gentemot betaltjänstanvändarens kontoförvaltande betaltjänst- leverantör varje gång en betalning initieras.</P>
<P class="p263 ft4">11 §</P>
<P class="p262 ft41">När den kontoförvaltande betal- tjänstleverantören har tagit emot en betalningsorder från leveran- tören av betalningsinitieringstjäns- ter och betalaren uttryckligen godkänt betalningstransaktionen i enlighet med 3 §, ska den konto- förvaltande betaltjänstleveran- tören ge leverantören av betal- ningsinitieringstjänsten all till- gänglig information om initi- eringen och genomförandet av betalningstransaktionen. Informa-</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">47</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_48">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td219"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=3 class="tr1 td221"><P class="p258 ft41">tionen ska lämnas omedelbart efter</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td221"><P class="p258 ft4">det att betalningsordern har tagits</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td221"><P class="p258 ft4">emot från leverantören av betal-</P></TD>
</TR>
<TR>
<TD class="tr20 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr20 td226"><P class="p258 ft4">ningsinitieringstjänsten.</P></TD>
<TD class="tr20 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td191"><P class="p258 ft4">12 §</P></TD>
<TD class="tr29 td88"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td191"><P class="p259 ft4">Den</P></TD>
<TD class="tr16 td88"><P class="p3 ft4">kontoförvaltande</P></TD>
<TD class="tr16 td135"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td221"><P class="p258 ft41">tjänstleverantören ska behandla en</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td221"><P class="p258 ft4">betalningsorder som tas emot från</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td221"><P class="p258 ft4">en leverantör av betalningsinitie-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td221"><P class="p258 ft4">ringstjänsten på samma sätt som</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td221"><P class="p258 ft4">en betalningsorder som tas emot</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td221"><P class="p258 ft41">direkt från betalaren när det gäller</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td221"><P class="p258 ft4">val av tidpunkt, prioritering och</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td221"><P class="p258 ft4">avgifter, om det inte finns objek-</P></TD>
</TR>
<TR>
<TD class="tr20 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td221"><P class="p258 ft4">tiva skäl för en annan behandling.</P></TD>
</TR>
<TR>
<TD class="tr29 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td191"><P class="p258 ft4">13 §</P></TD>
<TD class="tr29 td88"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td191"><P class="p259 ft4">Den</P></TD>
<TD class="tr16 td88"><P class="p3 ft4">kontoförvaltande</P></TD>
<TD class="tr16 td135"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td221"><P class="p258 ft4">tjänstleverantören och leveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td221"><P class="p258 ft41">tören av betalningsinitieringstjäns-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td221"><P class="p258 ft4">ter ska tillämpa säker kommuni-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td221"><P class="p258 ft4">kation när de kommunicerar med</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td221"><P class="p258 ft4">varandra. Leverantören av betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td226"><P class="p258 ft4">ningsinitieringstjänster ska</P></TD>
<TD class="tr16 td135"><P class="p17 ft41">tilläm-</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td221"><P class="p258 ft4">pa säker kommunikation även när</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td221"><P class="p258 ft4">den kommunicerar med betalaren</P></TD>
</TR>
<TR>
<TD class="tr20 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr20 td226"><P class="p258 ft4">och betalningsmottagaren.</P></TD>
<TD class="tr20 td135"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p264 ft89">Rätten att använda kontoinformationstjänster</P>
<P class="p265 ft4">14 §</P>
<P class="p138 ft4">Betaltjänstanvändaren har rätt att använda kontoinformations- tjänster om det berörda betal- kontot är tillgängligt online. Denna rätt gäller oberoende av om det finns ett avtal om detta mellan leverantören av kontoinfor- mationstjänster och den konto- förvaltande betaltjänstleveran- tören.</P>
<P class="p266 ft3">48</P>
</DIV>
<DIV id="page_49">
<DIV>
<DIV id="id_1">
<P class="p267 ft69">Betaltjänstleverantörens skyldigheter vid tillhandahållandet av kontoinformationstjänster</P>
<P class="p268 ft4">15 §</P>
<P class="p82 ft50">Vid tillhandahållandet av konto- informationstjänster får leveran- tören inte</P>
<P class="p82 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft53">tillhandahålla tjänster utan betaltjänstanvändarens uttryckliga godkännande,</SPAN></P>
<P class="p82 ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft53">begära känsliga betalnings- uppgifter som är kopplade till betalkontot, eller</SPAN></P>
<P class="p89 ft41"><SPAN class="ft41">3.</SPAN><SPAN class="ft90">använda, ha tillgång till eller lagra uppgifter för andra ändamål än för att genomföra den konto- informationstjänst som uttryckligen begärs av betaltjänstanvändaren.</SPAN></P>
<P class="p269 ft50">Leverantören har endast rätt till tillgång till information från angivna betalkonton och sådana betalningstransaktioner som hör till kontona.</P>
<P class="p270 ft4">16 §</P>
<P class="p271 ft41">Leverantören av en kontoinfor- mationstjänst ska säkerställa att betaltjänstanvändarens personliga behörighetsfunktioner inte är till- gängliga för andra än leverantören samt användaren och utgivaren av dem och att dessa uppgifter över- förs genom leverantören på ett säkert och effektivt sätt.</P>
<P class="p272 ft4">17 §</P>
<P class="p273 ft50">Leverantören av en kontoinfor- mationstjänst ska för varje kom- munikationssession identifiera sig gentemot den kontoförvaltande betaltjänstleverantören.</P>
<P class="p270 ft4">18 §</P>
<P class="p271 ft39">Den kontoförvaltande betal- tjänstleverantören ska behandla en begäran om uppgifter som över- förs via en leverantör av konto- informationstjänster på samma sätt som en begäran direkt från</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">49</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_50">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td227"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=9 class="tr1 td228"><P class="p274 ft41">betaltjänstanvändaren, om det inte</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft4">finns objektiva skäl för en annan</P></TD>
</TR>
<TR>
<TD class="tr28 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr28 td229"><P class="p274 ft4">behandling.</P></TD>
<TD class="tr28 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td117"><P class="p274 ft4">19 §</P></TD>
<TD class="tr27 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td117"><P class="p275 ft4">Den</P></TD>
<TD colspan=6 class="tr16 td121"><P class="p41 ft4">kontoförvaltande</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft4">tjänstleverantören och leverantör-</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td117"><P class="p274 ft4">en av</P></TD>
<TD colspan=8 class="tr15 td206"><P class="p17 ft4">kontoinformationstjänster</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft41">ska tillämpa säker kommunikation</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft4">när de kommunicerar med</P></TD>
</TR>
<TR>
<TD class="tr20 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr20 td231"><P class="p274 ft4">varandra.</P></TD>
<TD class="tr20 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr29 td228"><P class="p274 ft69">Skyldighet att ge åtkomst eller</P></TD>
</TR>
<TR>
<TD class="tr20 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr20 td36"><P class="p274 ft79">tillträde till betalkonto</P></TD>
<TD class="tr20 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td117"><P class="p274 ft4">20 §</P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td117"><P class="p275 ft4">Den</P></TD>
<TD colspan=6 class="tr15 td121"><P class="p41 ft4">kontoförvaltande</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td232"><P class="p274 ft41">tjänstleverantören</P></TD>
<TD colspan=2 class="tr16 td180"><P class="p130 ft4">får</P></TD>
<TD colspan=2 class="tr16 td177"><P class="p41 ft4">vägra</P></TD>
<TD class="tr16 td27"><P class="p17 ft4">en</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft4">leverantör av en betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td228"><P class="p274 ft4">initieringstjänst åtkomst till ett</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft4">betalkonto endast om den konto-</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td231"><P class="p274 ft4">förvaltande</P></TD>
<TD colspan=6 class="tr16 td113"><P class="p177 ft4">leverantören av</P></TD>
<TD class="tr16 td27"><P class="p17 ft41">skäl</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td228"><P class="p274 ft4">som är objektivt motiverade och</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td231"><P class="p274 ft4">tillräckligt</P></TD>
<TD colspan=5 class="tr16 td15"><P class="p276 ft41">underbyggda</P></TD>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p17 ft4">gör</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td232"><P class="p274 ft4">bedömningen att</P></TD>
<TD colspan=5 class="tr16 td15"><P class="p17 ft4">leverantören av</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td228"><P class="p274 ft41">initieringstjänsten obehörigen har</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft4">fått åtkomst till kontot eller</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td231"><P class="p274 ft4">obehörigen</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p25 ft4">har</P></TD>
<TD colspan=4 class="tr16 td98"><P class="p148 ft4">initierat</P></TD>
<TD class="tr16 td27"><P class="p27 ft4">en</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td228"><P class="p274 ft41">betalningstransaktion från kontot.</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td117"><P class="p275 ft4">Den</P></TD>
<TD colspan=6 class="tr16 td121"><P class="p41 ft4">kontoförvaltande</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td232"><P class="p274 ft41">tjänstleverantören</P></TD>
<TD colspan=2 class="tr16 td180"><P class="p130 ft4">får</P></TD>
<TD colspan=2 class="tr16 td177"><P class="p41 ft4">vägra</P></TD>
<TD class="tr16 td27"><P class="p17 ft4">en</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td228"><P class="p274 ft4">leverantör av en kontoinforma-</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft4">tionstjänst tillträde till ett betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td117"><P class="p274 ft4">konto</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p1 ft4">endast</P></TD>
<TD colspan=2 class="tr16 td68"><P class="p3 ft4">om</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p3 ft4">den</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p17 ft41">konto-</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td231"><P class="p274 ft4">förvaltande</P></TD>
<TD colspan=6 class="tr15 td113"><P class="p177 ft4">leverantören av</P></TD>
<TD class="tr15 td27"><P class="p17 ft41">skäl</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft4">som är objektivt motiverade och</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td231"><P class="p274 ft4">tillräckligt</P></TD>
<TD colspan=5 class="tr16 td15"><P class="p276 ft41">underbyggda</P></TD>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p17 ft4">gör</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td232"><P class="p274 ft4">bedömningen att</P></TD>
<TD colspan=5 class="tr15 td15"><P class="p17 ft4">leverantören av</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td233"><P class="p274 ft4">informationstjänsten</P></TD>
<TD class="tr16 td230"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td125"><P class="p27 ft41">obehörigen</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td199"><P class="p274 ft4">har fått tillträde till kontot.</P></TD>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td117"><P class="p275 ft4">Den</P></TD>
<TD colspan=6 class="tr15 td121"><P class="p41 ft4">kontoförvaltande</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft4">tjänstleverantören ska medge åt-</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft4">komst eller tillträde till betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td117"><P class="p274 ft4">kontot</P></TD>
<TD class="tr15 td33"><P class="p3 ft4">så</P></TD>
<TD class="tr15 td180"><P class="p3 ft4">snart</P></TD>
<TD class="tr15 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft4">det</P></TD>
<TD colspan=2 class="tr15 td75"><P class="p72 ft4">inte</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p17 ft41">längre</P></TD>
</TR>
<TR>
<TD class="tr28 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr28 td233"><P class="p274 ft4">finns skäl för vägran.</P></TD>
<TD class="tr28 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td117"><P class="p274 ft4">21 §</P></TD>
<TD class="tr27 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td229"><P class="p275 ft4">Innan den</P></TD>
<TD colspan=6 class="tr16 td110"><P class="p17 ft4">kontoförvaltande</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td228"><P class="p274 ft41">betaltjänstleverantören enligt 20 §</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td227"><P class="p1 ft3">50</P></TD>
<TD colspan=9 class="tr15 td228"><P class="p274 ft4">vägrar åtkomst eller tillträde till</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr28 td228"><P class="p274 ft41">ett betalkonto ska leverantören på</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_51">
<DIV>
<DIV id="id_1">
<P class="p277 ft4">avtalat sätt underrätta betaltjänst- användaren. I underrättelsen ska skälen för vägran anges. Om användaren inte kan underrättas innan åtkomst eller tillträde vägras, ska en underrättelse lämnas så snart som möjligt efter vägran.</P>
<P class="p278 ft4">Betaltjänstanvändaren får inte underrättas enligt första stycket om en underrättelse är oförenlig med andra föreskrifter. Detsamma gäller om det är motiverat av säkerhetsskäl att inte lämna underrättelsen.</P>
<P class="p279 ft4">22 §</P>
<P class="p262 ft39">Den kontoförvaltande betal- tjänstleverantören ska omedelbart underrätta Finansinspektionen om en vägran enligt 20 §. I underrätt- elsen ska skälen för vägran anges.</P>
<P class="p268 ft69">Besked om tillgängliga medel</P>
<P class="p260 ft4">23 §</P>
<P class="p120 ft41">Den kontoförvaltande betal- tjänstleverantören ska, på begäran av en betaltjänstleverantör som har gett ut ett kortbaserat betalnings- instrument, omedelbart ge ett klart besked om huruvida det belopp som krävs för genomförande av en kortbaserad betalningstransaktion är tillgängligt på betalarens betal- konto eller inte, om</P>
<P class="p280 ft50"><SPAN class="ft4">1.</SPAN><SPAN class="ft49">betalarens betalkonto är till- gängligt online vid tidpunkten för begäran, och</SPAN></P>
<P class="p82 ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft53">betalaren uttryckligen har godkänt att den kontoförvaltande betaltjänstleverantören lämnar ett sådant besked.</SPAN></P>
<P class="p82 ft4">Begäran ger inte den konto- förvaltande betaltjänstleverantör- en rätt att reservera medel på betalarens betalkonto.</P>
<P class="p262 ft50">På begäran av betalaren ska den kontoförvaltande betaltjänst- leverantören underrätta betalaren om identiteten på den betaltjänst-</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">51</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_52">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td227"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=5 class="tr1 td228"><P class="p274 ft4">leverantör som begärt ett besked</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td228"><P class="p274 ft4">som avses i första stycket samt om</P></TD>
</TR>
<TR>
<TD class="tr28 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr28 td36"><P class="p274 ft4">det svar som lämnats.</P></TD>
<TD class="tr28 td120"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td215"><P class="p274 ft4">24 §</P></TD>
<TD class="tr27 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td120"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td234"><P class="p275 ft4">Den betaltjänstleverantör</P></TD>
<TD class="tr16 td27"><P class="p17 ft4">som</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td228"><P class="p274 ft4">har gett ut ett kortbaserat betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td228"><P class="p274 ft4">ningsinstrument får begära ett</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td228"><P class="p274 ft4">sådant besked som avses i 23 § om</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td215"><P class="p275 ft4">1. betalaren</P></TD>
<TD colspan=3 class="tr16 td205"><P class="p90 ft4">uttryckligen</P></TD>
<TD class="tr16 td27"><P class="p17 ft4">har</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td228"><P class="p274 ft41">godkänt att en sådan begäran görs,</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td215"><P class="p274 ft4">och</P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td228"><P class="p275 ft4">2. betalaren har initierat betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td228"><P class="p274 ft4">ningstransaktionen genom att</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td228"><P class="p274 ft4">använda ett kortbaserat betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td228"><P class="p274 ft4">ningsinstrument som getts ut av</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td235"><P class="p274 ft4">betaltjänstleverantören.</P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td235"><P class="p275 ft4">Betaltjänstleverantören</P></TD>
<TD class="tr16 td33"><P class="p3 ft4">får</P></TD>
<TD class="tr16 td27"><P class="p27 ft4">inte</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td228"><P class="p274 ft4">lagra eller använda det svar som</P></TD>
</TR>
<TR>
<TD class="tr15 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td36"><P class="p274 ft4">den kontoförvaltande</P></TD>
<TD colspan=3 class="tr15 td125"><P class="p17 ft41">betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td215"><P class="p274 ft4">leverantören</P></TD>
<TD class="tr16 td123"><P class="p3 ft4">lämnar</P></TD>
<TD class="tr16 td120"><P class="p146 ft4">för</P></TD>
<TD colspan=2 class="tr16 td20"><P class="p17 ft4">andra</P></TD>
</TR>
<TR>
<TD class="tr16 td227"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td228"><P class="p274 ft4">syften än för att genomföra trans-</P></TD>
</TR>
<TR>
<TD class="tr20 td227"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td215"><P class="p274 ft4">aktionen.</P></TD>
<TD class="tr20 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p281 ft4">25 §</P>
<P class="p282 ft50">Den betaltjänstleverantör som enligt 24 § begär ett besked ska tillämpa säker kommunikation och innan beskedet begärs autentisera sig gentemot den kontoförvaltande betaltjänstleverantören.</P>
<TABLE cellpadding=0 cellspacing=0 class="t39">
<TR>
<TD class="tr2 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td236"><P class="p283 ft4">26 §</P></TD>
<TD class="tr2 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td11"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td129"><P class="p27 ft4">Bestämmelserna i <NOBR>23–25</NOBR> §§ gäl-</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td129"><P class="p17 ft4">ler inte för betalningstransak-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td129"><P class="p27 ft4">tioner som initieras genom kort-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td129"><P class="p17 ft4">baserade betalningsinstrument där</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td236"><P class="p283 ft4">det lagras</P></TD>
<TD colspan=3 class="tr15 td85"><P class="p17 ft4">elektroniska pengar,</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td236"><P class="p283 ft4">definierade</P></TD>
<TD class="tr16 td9"><P class="p135 ft4">i 1 kap.</P></TD>
<TD colspan=2 class="tr16 td122"><P class="p17 ft4">2 § 2 lagen</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td236"><P class="p283 ft4">(2011:755)</P></TD>
<TD class="tr16 td9"><P class="p172 ft4">om</P></TD>
<TD colspan=2 class="tr16 td122"><P class="p17 ft41">elektroniska</P></TD>
</TR>
<TR>
<TD class="tr20 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td236"><P class="p283 ft4">pengar.</P></TD>
<TD class="tr20 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr31 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr31 td237"><P class="p283 ft69">Reservering av medel</P></TD>
<TD class="tr31 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td11"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td236"><P class="p283 ft4">27 §</P></TD>
<TD class="tr27 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td11"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td129"><P class="p27 ft4">Om en kortbaserad betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td129"><P class="p27 ft4">transaktion initieras av eller via</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td237"><P class="p283 ft4">betalningsmottagaren</P></TD>
<TD class="tr16 td73"><P class="p31 ft4">och</P></TD>
<TD class="tr16 td11"><P class="p17 ft4">det</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td129"><P class="p27 ft4">exakta beloppet inte är känt vid</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td6"><P class="p17 ft7">52</P></TD>
<TD colspan=4 class="tr15 td129"><P class="p17 ft4">tidpunkten för betalarens godkän-</P></TD>
</TR>
<TR>
<TD class="tr28 td236"><P class="p283 ft4">nande av</P></TD>
<TD colspan=2 class="tr28 td167"><P class="p93 ft4">genomförandet</P></TD>
<TD class="tr28 td11"><P class="p17 ft4">av</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_53">
<DIV>
<DIV id="id_1">
<P class="p284 ft41">transaktionen, får betalarens betal- tjänstleverantör reservera medel på betalarens betalkonto endast för täckning av transaktionen och om betalaren har godkänt det exakta belopp som reservationen avser.</P>
<P class="p285 ft4">Betalarens betaltjänstleverantör ska frigöra de medel som har reserverats på betalarens betal- konto så snart det kan ske efter att leverantören tagit emot informa- tion om betalningstransaktionens exakta belopp eller tagit emot betalningsordern.</P>
<P class="p272 ft4">6 § 28 §</P>
<P class="p286 ft40">En betalare har rätt till återbetalning från sin betaltjänstleverantör om betalningstransaktionen initierats av eller via betalningsmottagaren, och</P>
<P class="p82 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">betalningstransaktionens exakta belopp inte angavs i samband med att den godkändes, och</SPAN></P>
<P class="p89 ft70"><SPAN class="ft5">2.</SPAN><SPAN class="ft91">betalningstransaktionens belopp överstiger det belopp som betalaren rimligen kunde ha förväntat sig med hänsyn till sitt tidigare utgifts- mönster, villkoren i ramavtalet och andra relevanta omständigheter.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=2 class="tr15 td60"><P class="p62 ft3">På begäran av betaltjänstleve-</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p17 ft3">På begäran av betaltjänstleve-</P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p3 ft6">rantören</P></TD>
<TD class="tr16 td170"><P class="p62 ft6">ska betalaren informera</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p17 ft6">rantören ska betalaren informera</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p62 ft3">leverantören om sådana omstän-</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p17 ft3">leverantören om sådana omstän-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p62 ft6">digheter som avses i första</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p17 ft6">digheter som avses i första</P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p3 ft5">stycket 2.</P></TD>
<TD class="tr16 td170"><P class="p62 ft6">Återbetalningen ska</P></TD>
<TD class="tr16 td140"><P class="p3 ft6">stycket 2.</P></TD>
<TD class="tr16 td115"><P class="p170 ft5">Återbetalningen</P></TD>
<TD class="tr16 td180"><P class="p17 ft6">ska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p62 ft3">uppgå till hela beloppet av den</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p17 ft3">uppgå till hela beloppet av den</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">genomförda transaktionen.</P></TD>
<TD class="tr16 td140"><P class="p3 ft6">genomförda</P></TD>
<TD class="tr16 td115"><P class="p170 ft7">transaktionen.</P></TD>
<TD class="tr16 td180"><P class="p17 ft41">Valu-</P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td170"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td61"><P class="p17 ft4">teringsdagen för kreditering av</P></TD>
</TR>
<TR>
<TD class="tr15 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td170"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td61"><P class="p17 ft4">betalarens betalkonto ska bestäm-</P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td170"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td61"><P class="p17 ft41">mas till senast den dag då beloppet</P></TD>
</TR>
<TR>
<TD class="tr21 td9"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td170"><P class="p3 ft22"> </P></TD>
<TD colspan=2 class="tr21 td197"><P class="p3 ft62">debiterades kontot.</P></TD>
<TD class="tr21 td180"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p82 ft6">Om betalaren och betaltjänstleverantören har avtalat om att en referensväxelkurs ska tillämpas på betalningstransaktionen, och den avtalade referensväxelkursen har använts, får betalaren inte hävda att förutsättningarna i första stycket 2 är uppfyllda på grund av den växel- kurs som tillämpats.</P>
<P class="p237 ft4">De villkor för återbetalning som anges i första stycket 1 och 2 gäller inte för autogireringar som omfattas av Europaparlamentets och rådets förordning (EU) nr 260/2012 av den 14 mars 2012 om antagande av tekniska och affärs- mässiga krav för betalningar och autogireringar i euro och om ändring av förordning (EG) nr 924/2009.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">53</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_54">
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t37">
<TR>
<TD class="tr19 td24"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=3 class="tr19 td211"><P class="p36 ft42">Vägran att utföra en</P></TD>
<TD class="tr19 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td214"><P class="p75 ft42">Vägran att utföra en</P></TD>
<TD class="tr19 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td128"><P class="p36 ft78">betalningsorder</P></TD>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td102"><P class="p75 ft69"><SPAN class="ft42">betalningsorder </SPAN>eller initiera en</P></TD>
</TR>
<TR>
<TD class="tr20 td24"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td149"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td214"><P class="p75 ft69">betalningstransaktion</P></TD>
<TD class="tr20 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td24"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td14"><P class="p36 ft4">10 §</P></TD>
<TD class="tr29 td149"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td214"><P class="p75 ft4">32 §</P></TD>
<TD class="tr29 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td14"><P class="p48 ft6">En</P></TD>
<TD colspan=2 class="tr16 td159"><P class="p90 ft6">betaltjänstleverantör</P></TD>
<TD class="tr16 td164"><P class="p181 ft7">som</P></TD>
<TD class="tr16 td214"><P class="p18 ft6">En betaltjänstleverantör</P></TD>
<TD class="tr16 td162"><P class="p17 ft7">som</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td227"><P class="p36 ft5">vägrar att utföra en betalningsorder</P></TD>
<TD colspan=2 class="tr16 td102"><P class="p75 ft7">vägrar att utföra en betalningsorder</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td14"><P class="p36 ft3">ska</P></TD>
<TD class="tr15 td149"><P class="p3 ft3">underrätta</P></TD>
<TD colspan=2 class="tr15 td88"><P class="p181 ft5">betaltjänstanvän-</P></TD>
<TD colspan=2 class="tr15 td102"><P class="p75 ft4">eller initiera en betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td227"><P class="p36 ft6">daren om detta på avtalat sätt</P></TD>
<TD colspan=2 class="tr16 td102"><P class="p75 ft5"><SPAN class="ft41">aktion </SPAN>ska underrätta betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td227"><P class="p36 ft5">snarast möjligt och senast inom de</P></TD>
<TD colspan=2 class="tr16 td102"><P class="p75 ft7">användaren om detta på avtalat sätt</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td128"><P class="p36 ft3">tidsfrister som</P></TD>
<TD class="tr15 td138"><P class="p3 ft3">anges i <SPAN class="ft4">18</SPAN></P></TD>
<TD class="tr15 td164"><P class="p181 ft3">och</P></TD>
<TD colspan=2 class="tr15 td102"><P class="p75 ft7">snarast möjligt och senast inom de</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td227"><P class="p36 ft6"><SPAN class="ft4">19 </SPAN>§§. Av underrättelsen ska fram-</P></TD>
<TD class="tr16 td214"><P class="p75 ft6">tidsfrister som anges i <SPAN class="ft4">40</SPAN></P></TD>
<TD class="tr16 td162"><P class="p17 ft6">och</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td14"><P class="p36 ft6">gå</P></TD>
<TD class="tr16 td149"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td102"><P class="p75 ft5"><SPAN class="ft41">41 </SPAN>§§. Av underrättelsen ska fram-</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td149"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td214"><P class="p75 ft6">gå</P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p50 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">om möjligt, skälen för vägran, och</SPAN></P>
<P class="p51 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">vilket förfarande som tillämpas för att rätta till fel som kan ha för- anlett vägran.</SPAN></P>
<P class="p99 ft3">Betaltjänstleverantören får ta ut en avgift för en underrättelse enligt första stycket om</P>
<P class="p50 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">det finns skälig grund för vägran, och</SPAN></P>
<P class="p51 ft76"><SPAN class="ft7">2.</SPAN><SPAN class="ft92">leverantören får ta ut sådan avgift enligt ett ramavtal med betaltjänst- användaren.</SPAN></P>
</DIV>
<DIV id="id_2">
<DIV id="id_2_1">
<P class="p15 ft4">11 §</P>
<P class="p81 ft5">Om villkoren i betaltjänst- leverantörens ramavtal med betalaren är uppfyllda, får betalarens betaltjänstleverantör inte vägra att utföra en godkänd betalningsorder, oavsett om den har initierats av betalaren eller betalningsmot- tagaren såvida inte utförandet av betalningsordern skulle strida mot annan lag.</P>
</DIV>
<DIV id="id_2_2">
<P class="p15 ft4">33 §</P>
<P class="p214 ft5">Om villkoren i betaltjänst- leverantörens ramavtal med betalaren är uppfyllda, får betalarens betaltjänstleverantör inte vägra att utföra en godkänd betalningsorder, oavsett om den har initierats av betalaren eller betalningsmot- tagaren<SPAN class="ft41">, </SPAN>såvida inte utförandet av betalningsordern skulle strida mot annan lag. <SPAN class="ft41">Detta gäller även om betalaren initierat betalnings- ordern via en leverantör av betalningsinitieringstjänster</SPAN>.</P>
</DIV>
</DIV>
<DIV id="id_3">
<DIV id="id_3_1">
<P class="p201 ft4">12 §</P>
<P class="p287 ft3">Vid tillämpning av <SPAN class="ft4">18</SPAN>, <SPAN class="ft4">19 </SPAN>och <NOBR><SPAN class="ft4">25–29</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ ska en betalningsorder som betaltjänstleverantören har vägrat att utföra anses inte ha blivit mottagen av leverantören.</P>
<TABLE cellpadding=0 cellspacing=0 class="t40">
<TR>
<TD class="tr22 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td217"><P class="p152 ft4">14 §</P></TD>
<TD class="tr22 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td108"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td217"><P class="p151 ft3">När</P></TD>
<TD class="tr15 td126"><P class="p154 ft3">en</P></TD>
<TD class="tr15 td108"><P class="p17 ft5">betalningstransaktion</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td238"><P class="p152 ft6">initieras av eller via betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td238"><P class="p152 ft5">mottagaren får betalaren inte åter-</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td238"><P class="p152 ft5">kalla betalningsordern efter det att</P></TD>
</TR>
<TR>
<TD class="tr28 td6"><P class="p17 ft7">54</P></TD>
<TD class="tr28 td217"><P class="p152 ft4">denne</P></TD>
<TD class="tr28 td126"><P class="p181 ft4">har</P></TD>
<TD class="tr28 td108"><P class="p17 ft4">överfört ordern <SPAN class="ft3">eller</SPAN></P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_3_2">
<P class="p15 ft4">34 §</P>
<P class="p288 ft3">Vid tillämpning av <SPAN class="ft4">40, 41 och </SPAN><NOBR><SPAN class="ft4">47–53</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ ska en betalningsorder som betaltjänstleverantören har vägrat att utföra anses inte ha blivit mottagen av leverantören.</P>
<P class="p263 ft4">36 §</P>
<P class="p289 ft4"><SPAN class="ft3">När en betalningstransaktion initieras av </SPAN>en leverantör av betalningsinitieringstjänster eller av <SPAN class="ft3">eller via betalningsmottagaren får betalaren inte återkalla betal-</SPAN></P>
</DIV>
</DIV>
</DIV>
<DIV id="page_55">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=3 class="tr2 td60"><P class="p3 ft3">gett sitt godkännande till att</P></TD>
<TD colspan=3 class="tr2 td61"><P class="p3 ft5">ningsordern efter det att <SPAN class="ft41">betalaren</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td136"><P class="p3 ft3">genomföra</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">transaktionen</P></TD>
<TD class="tr15 td75"><P class="p3 ft3">till</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p3 ft41"><SPAN class="ft5">har </SPAN>gett sitt godkännande att initi-</P></TD>
</TR>
<TR>
<TD class="tr16 td136"><P class="p3 ft6">mottagaren.</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td30"><P class="p3 ft4">era betalningstransaktionen</P></TD>
<TD class="tr16 td94"><P class="p17 ft4">till</P></TD>
</TR>
<TR>
<TD class="tr16 td136"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td71"><P class="p3 ft4">leverantören av</P></TD>
<TD colspan=2 class="tr16 td18"><P class="p17 ft41">betalningsini-</P></TD>
</TR>
<TR>
<TD class="tr16 td136"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td71"><P class="p3 ft4">tieringstjänster <SPAN class="ft6">eller</SPAN></P></TD>
<TD class="tr16 td46"><P class="p146 ft6">gett sitt</P></TD>
<TD class="tr16 td94"><P class="p17 ft7">god-</P></TD>
</TR>
</TABLE>
<P class="p290 ft6">kännande till att genomföra trans- aktionen till mottagaren.</P>
<P class="p286 ft5">Vid autogiro får betalaren, trots första stycket och utan att det påverkar rätten till återbetalning, återkalla betalningsordern senast i slutet av den</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=4 class="tr28 td239"><P class="p3 ft7">bankdag som föregår den dag som avtalats för debitering av medlen.</P></TD>
<TD class="tr28 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td102"><P class="p154 ft3">Om en betaltjänstanvändare och</P></TD>
<TD colspan=2 class="tr15 td215"><P class="p17 ft3">Om en betaltjänstanvändare och</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">en betaltjänstleverantör har avtalat</P></TD>
<TD colspan=2 class="tr16 td215"><P class="p75 ft5">en betaltjänstleverantör har avtalat</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">enligt <SPAN class="ft4">9 </SPAN>§ om den tidpunkt vid</P></TD>
<TD colspan=2 class="tr16 td215"><P class="p75 ft6">enligt <SPAN class="ft4">31 </SPAN>§ om den tidpunkt vid</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td102"><P class="p3 ft7">vilken en betalningsorder ska anses</P></TD>
<TD colspan=2 class="tr15 td215"><P class="p75 ft7">vilken en betalningsorder ska anses</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft5">vara mottagen, får användaren trots</P></TD>
<TD colspan=2 class="tr16 td215"><P class="p75 ft7">vara mottagen, får användaren trots</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">första stycket återkalla en betal-</P></TD>
<TD colspan=2 class="tr16 td215"><P class="p75 ft6">första stycket återkalla en betal-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td102"><P class="p3 ft3">ningsorder senast i slutet av den</P></TD>
<TD class="tr15 td240"><P class="p75 ft3">ningsorder senast i slutet av</P></TD>
<TD class="tr15 td94"><P class="p17 ft3">den</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">bankdag som föregår den avtalade</P></TD>
<TD colspan=2 class="tr16 td215"><P class="p75 ft7">bankdag som föregår den avtalade</P></TD>
</TR>
<TR>
<TD class="tr20 td35"><P class="p3 ft3">dagen.</P></TD>
<TD class="tr20 td136"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td240"><P class="p75 ft3">dagen.</P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td35"><P class="p3 ft4">15 §</P></TD>
<TD class="tr29 td136"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td240"><P class="p75 ft4">37 §</P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p154 ft6">Efter de tidpunkter som anges i</P></TD>
<TD colspan=2 class="tr16 td215"><P class="p17 ft6">Efter de tidpunkter som anges i</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td102"><P class="p3 ft3"><SPAN class="ft4">13 </SPAN>och <SPAN class="ft4">14 </SPAN>§§ får betalningsordern</P></TD>
<TD colspan=2 class="tr15 td215"><P class="p75 ft5"><SPAN class="ft41">35 </SPAN>och <SPAN class="ft41">36 </SPAN>§§ får betalningsordern</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">återkallas endast om detta har</P></TD>
<TD colspan=2 class="tr16 td215"><P class="p75 ft6">återkallas endast om detta har</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">avtalats mellan betaltjänstanvän-</P></TD>
<TD colspan=2 class="tr16 td215"><P class="p75 ft6">avtalats mellan betaltjänstanvän-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td102"><P class="p3 ft3">daren och <SPAN class="ft4">dennes </SPAN>betaltjänst-</P></TD>
<TD colspan=2 class="tr15 td215"><P class="p75 ft3">daren och <SPAN class="ft4">berörd </SPAN>betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft5">leverantör. För att återkallelse efter</P></TD>
<TD colspan=2 class="tr16 td215"><P class="p75 ft5">leverantör. För att återkallelse efter</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">de tidpunkter som anges i <SPAN class="ft4">14 </SPAN>§</P></TD>
<TD class="tr16 td240"><P class="p75 ft6">de tidpunkter som anges i</P></TD>
<TD class="tr16 td94"><P class="p17 ft4">36 <SPAN class="ft6">§</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td102"><P class="p3 ft3">första och andra styckena ska få</P></TD>
<TD colspan=2 class="tr15 td215"><P class="p75 ft7">första och andra styckena ska få ske</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">ske, krävs <SPAN class="ft4">även </SPAN>att betalnings-</P></TD>
<TD colspan=2 class="tr16 td215"><P class="p75 ft4">i fråga om en betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr16 td35"><P class="p3 ft6">mottagaren</P></TD>
<TD class="tr16 td136"><P class="p3 ft6">godkänner</P></TD>
<TD class="tr16 td66"><P class="p154 ft7">åter-</P></TD>
<TD colspan=2 class="tr16 td215"><P class="p75 ft4">aktion som har initierats av</P></TD>
</TR>
<TR>
<TD class="tr15 td35"><P class="p3 ft3">kallelsen.</P></TD>
<TD class="tr15 td136"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td215"><P class="p75 ft4">betalningsmottagaren<SPAN class="ft3">, krävs att</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td35"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td136"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td240"><P class="p75 ft6"><SPAN class="ft4">även </SPAN>betalningsmottagaren</P></TD>
<TD class="tr16 td94"><P class="p17 ft7">god-</P></TD>
</TR>
<TR>
<TD class="tr21 td35"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td136"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td66"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td240"><P class="p75 ft23">känner återkallelsen.</P></TD>
<TD class="tr21 td94"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p89 ft5">Betaltjänstleverantören får ta ut en avgift för återkallande enligt första stycket om möjligheten att ta ut sådan avgift framgår av ramavtalet med</P>
<TABLE cellpadding=0 cellspacing=0 class="t36">
<TR>
<TD colspan=4 class="tr24 td44"><P class="p3 ft5">den betaltjänstanvändare som återkallat betalningsordern.</P></TD>
<TD class="tr24 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td46"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td209"><P class="p3 ft4">17 §</P></TD>
<TD class="tr27 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td163"><P class="p75 ft4">39 §</P></TD>
<TD class="tr27 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td46"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td209"><P class="p90 ft6">Bestämmelserna</P></TD>
<TD class="tr16 td33"><P class="p3 ft6">i</P></TD>
<TD class="tr16 td166"><P class="p3 ft4"><NOBR>18<SPAN class="ft6">–</SPAN>22</NOBR> <SPAN class="ft6">§§</SPAN></P></TD>
<TD class="tr16 td163"><P class="p153 ft6">Bestämmelserna</P></TD>
<TD class="tr16 td33"><P class="p3 ft6">i</P></TD>
<TD class="tr16 td46"><P class="p3 ft41"><NOBR>40<SPAN class="ft5">–</SPAN>44</NOBR> <SPAN class="ft5">§§</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td102"><P class="p3 ft3">gäller för betalningstransaktioner i</P></TD>
<TD colspan=3 class="tr15 td215"><P class="p75 ft5">gäller för betalningstransaktioner i</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft5">Sverige som genomförs i euro eller</P></TD>
<TD colspan=3 class="tr16 td215"><P class="p75 ft7">Sverige som genomförs i euro eller</P></TD>
</TR>
<TR>
<TD class="tr16 td209"><P class="p3 ft6">i svenska kronor.</P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td163"><P class="p75 ft6">i svenska kronor.</P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td46"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td209"><P class="p90 ft3">Bestämmelserna</P></TD>
<TD class="tr15 td33"><P class="p3 ft3">i</P></TD>
<TD class="tr15 td166"><P class="p3 ft4"><NOBR>18<SPAN class="ft3">–</SPAN>22</NOBR> <SPAN class="ft3">§§</SPAN></P></TD>
<TD class="tr15 td163"><P class="p153 ft3">Bestämmelserna</P></TD>
<TD class="tr15 td33"><P class="p3 ft3">i</P></TD>
<TD class="tr15 td46"><P class="p3 ft41"><NOBR>40<SPAN class="ft5">–</SPAN>44</NOBR> <SPAN class="ft5">§§</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">gäller också för betalningstrans-</P></TD>
<TD colspan=3 class="tr16 td215"><P class="p75 ft6">gäller också för betalningstrans-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">aktioner där det sker en växling</P></TD>
<TD colspan=3 class="tr16 td215"><P class="p75 ft6">aktioner där det sker en växling</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td102"><P class="p3 ft3">mellan euro och svenska kronor,</P></TD>
<TD colspan=3 class="tr15 td215"><P class="p75 ft3">mellan euro och svenska kronor,</P></TD>
</TR>
<TR>
<TD class="tr21 td209"><P class="p3 ft23">om</P></TD>
<TD class="tr21 td33"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td166"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td163"><P class="p75 ft23">om</P></TD>
<TD class="tr21 td33"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td46"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p79 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">växlingen sker i Sverige, och</SPAN></P>
<P class="p82 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">när det gäller en transaktion till eller från ett annat land, över- föringen av medlen mellan länderna sker i euro.</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">55</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_56">
<TABLE cellpadding=0 cellspacing=0 class="t37">
<TR>
<TD class="tr19 td24"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=4 class="tr19 td64"><P class="p48 ft7">Bestämmelserna i</P></TD>
<TD colspan=4 class="tr19 td35"><P class="p181 ft3"><NOBR><SPAN class="ft4">18</SPAN>–<SPAN class="ft4">22</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ är</P></TD>
<TD colspan=5 class="tr19 td96"><P class="p18 ft5">Bestämmelserna</P></TD>
<TD class="tr19 td173"><P class="p3 ft3">i</P></TD>
<TD colspan=4 class="tr19 td208"><P class="p27 ft3"><NOBR><SPAN class="ft4">40</SPAN>–<SPAN class="ft4">44</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ är</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td227"><P class="p36 ft3">även tillämpliga på andra betal-</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft3">även tillämpliga på andra betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td118"><P class="p36 ft7">ningstransaktioner</P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p198 ft7">än</P></TD>
<TD colspan=2 class="tr16 td23"><P class="p90 ft6">de</P></TD>
<TD class="tr16 td164"><P class="p181 ft7">som</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft6">ningstransaktioner än de som</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft5">anges i första och andra styckena.</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft5">anges i första och andra styckena.</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td227"><P class="p36 ft3">Bestämmelserna i <SPAN class="ft4">18</SPAN>, <SPAN class="ft4">19</SPAN>, <SPAN class="ft4">21 </SPAN>och</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft5">Bestämmelserna i <SPAN class="ft41">40</SPAN>, <SPAN class="ft41">41</SPAN>, <SPAN class="ft41">43 </SPAN>och</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft6"><SPAN class="ft4">22 </SPAN>§§ är dock inte tillämpliga, om</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft5"><SPAN class="ft41">44 </SPAN>§§ är dock inte tillämpliga, om</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft6">annat har avtalats mellan betal-</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft6">annat har avtalats mellan betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td118"><P class="p36 ft3">tjänstanvändaren</P></TD>
<TD colspan=2 class="tr15 td92"><P class="p1 ft3">och</P></TD>
<TD colspan=3 class="tr15 td140"><P class="p181 ft7">betaltjänst-</P></TD>
<TD colspan=4 class="tr15 td24"><P class="p75 ft3">tjänstanvändaren</P></TD>
<TD colspan=2 class="tr15 td13"><P class="p1 ft7">och</P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td153"><P class="p17 ft7">betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft6">leverantören. Om användaren och</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft5">leverantören. Om användaren och</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td211"><P class="p36 ft6">leverantören, med avvikelse</P></TD>
<TD class="tr16 td164"><P class="p181 ft6">från</P></TD>
<TD colspan=5 class="tr16 td96"><P class="p75 ft6">leverantören, med</P></TD>
<TD colspan=4 class="tr16 td104"><P class="p1 ft6">avvikelse</P></TD>
<TD class="tr16 td105"><P class="p17 ft6">från</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td227"><P class="p36 ft3"><SPAN class="ft4">18 </SPAN>§ första stycket, avtalar om när</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft5"><SPAN class="ft41">40 </SPAN>§ första stycket, avtalar om när</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft6">kreditering av betalningsmottagar-</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft5">kreditering av betalningsmottagar-</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft6">ens leverantörs konto senast ska</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft5">ens leverantörs konto senast ska</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td227"><P class="p36 ft5">ske, får tidpunkten inte vara senare</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft7">ske, får tidpunkten inte vara senare</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft6">än fyra bankdagar efter det att</P></TD>
<TD class="tr16 td92"><P class="p75 ft6">än</P></TD>
<TD colspan=4 class="tr16 td205"><P class="p3 ft6">fyra bankdagar</P></TD>
<TD colspan=3 class="tr16 td177"><P class="p291 ft5">efter</P></TD>
<TD colspan=2 class="tr16 td65"><P class="p17 ft6">det att</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td113"><P class="p36 ft7">betalningsordern</P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td73"><P class="p3 ft7">mottagits</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p181 ft6">enligt</P></TD>
<TD colspan=4 class="tr16 td24"><P class="p75 ft6">betalningsordern</P></TD>
<TD colspan=4 class="tr16 td73"><P class="p3 ft7">mottagits</P></TD>
<TD colspan=2 class="tr16 td65"><P class="p17 ft6">enligt</P></TD>
</TR>
<TR>
<TD class="tr20 td24"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td208"><P class="p36 ft4">9 <SPAN class="ft3">§.</SPAN></P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td119"><P class="p75 ft4">31 <SPAN class="ft3">§.</SPAN></P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td24"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td208"><P class="p36 ft4">18 §</P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td119"><P class="p75 ft4">40 §</P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td227"><P class="p48 ft3">När en betalningsorder har mot-</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p18 ft5">När en betalningsorder har mot-</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td118"><P class="p36 ft6">tagits enligt <SPAN class="ft4">9 </SPAN>§<SPAN class="ft4">,</SPAN></P></TD>
<TD colspan=2 class="tr16 td92"><P class="p76 ft6">ska</P></TD>
<TD colspan=3 class="tr16 td140"><P class="p181 ft6">betalarens</P></TD>
<TD colspan=2 class="tr16 td119"><P class="p75 ft6">tagits</P></TD>
<TD colspan=3 class="tr16 td53"><P class="p3 ft6">enligt <SPAN class="ft4">31 </SPAN>§<SPAN class="ft4">,</SPAN></P></TD>
<TD colspan=2 class="tr16 td33"><P class="p146 ft7">ska</P></TD>
<TD colspan=3 class="tr16 td153"><P class="p17 ft6">betalarens</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td64"><P class="p36 ft5">betaltjänstleverantör</P></TD>
<TD colspan=2 class="tr16 td74"><P class="p130 ft6">se</P></TD>
<TD class="tr16 td67"><P class="p3 ft6">till</P></TD>
<TD class="tr16 td164"><P class="p181 ft6">att</P></TD>
<TD colspan=6 class="tr16 td134"><P class="p75 ft6">betaltjänstleverantör</P></TD>
<TD colspan=2 class="tr16 td180"><P class="p94 ft7">se</P></TD>
<TD class="tr16 td182"><P class="p3 ft6">till</P></TD>
<TD class="tr16 td105"><P class="p27 ft6">att</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td197"><P class="p36 ft3">betalningstransaktionens</P></TD>
<TD colspan=2 class="tr15 td46"><P class="p181 ft3">belopp</P></TD>
<TD colspan=8 class="tr15 td242"><P class="p75 ft3">betalningstransaktionens</P></TD>
<TD colspan=2 class="tr15 td65"><P class="p27 ft3">belopp</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td208"><P class="p36 ft6">krediteras</P></TD>
<TD colspan=7 class="tr16 td147"><P class="p181 ft6">betalningsmottagarens</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p75 ft6">krediteras</P></TD>
<TD colspan=7 class="tr16 td201"><P class="p17 ft6">betalningsmottagarens</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft5">betaltjänstleverantörs konto senast</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft7">betaltjänstleverantörs konto senast</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td227"><P class="p36 ft3">vid slutet av nästföljande bankdag.</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft5">vid slutet av nästföljande bankdag.</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=18 class="tr16 td243"><P class="p48 ft5">För betalningstransaktioner som initierats på papper får betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr20 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr20 td204"><P class="p36 ft7">leverantören förlänga tiden med en bankdag.</P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td24"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td208"><P class="p36 ft4">20 §</P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td119"><P class="p75 ft4">42 §</P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td197"><P class="p48 ft6">Betalningsmottagarens</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p181 ft6">betal-</P></TD>
<TD colspan=8 class="tr16 td242"><P class="p18 ft6">Betalningsmottagarens</P></TD>
<TD colspan=2 class="tr16 td65"><P class="p17 ft6">betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td113"><P class="p36 ft3">tjänstleverantör</P></TD>
<TD colspan=2 class="tr15 td94"><P class="p146 ft3">ska</P></TD>
<TD colspan=3 class="tr15 td9"><P class="p70 ft3">valutera</P></TD>
<TD class="tr15 td164"><P class="p181 ft4">och</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft5">tjänstleverantör ska valutera betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td208"><P class="p36 ft4">göra</P></TD>
<TD colspan=7 class="tr16 td147"><P class="p181 ft7">betalningstransaktionens</P></TD>
<TD colspan=5 class="tr16 td96"><P class="p75 ft7">ningstransaktionens</P></TD>
<TD class="tr16 td173"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td14"><P class="p3 ft6">belopp</P></TD>
<TD class="tr16 td105"><P class="p27 ft4">och</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft6">belopp tillgängligt på mottagarens</P></TD>
<TD colspan=2 class="tr16 td119"><P class="p75 ft4">göra</P></TD>
<TD class="tr16 td33"><P class="p1 ft4">det</P></TD>
<TD colspan=4 class="tr16 td53"><P class="p198 ft6">tillgängligt</P></TD>
<TD colspan=2 class="tr16 td74"><P class="p93 ft6">på</P></TD>
<TD class="tr16 td105"><P class="p27 ft5">mot-</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td113"><P class="p36 ft3">betalkonto.</P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td96"><P class="p75 ft7">tagarens betalkonto.</P></TD>
<TD class="tr15 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td97"><P class="p48 ft5">Valuteringsdagen för</P></TD>
<TD colspan=3 class="tr16 td140"><P class="p181 ft6">kreditering</P></TD>
<TD colspan=5 class="tr16 td96"><P class="p18 ft7">Valuteringsdagen</P></TD>
<TD colspan=2 class="tr16 td33"><P class="p76 ft6">för</P></TD>
<TD colspan=3 class="tr16 td153"><P class="p17 ft6">kreditering</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td197"><P class="p36 ft6">av betalningsmottagarens</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p181 ft6">betal-</P></TD>
<TD class="tr16 td92"><P class="p75 ft6">av</P></TD>
<TD colspan=7 class="tr16 td163"><P class="p180 ft7">betalningsmottagarens</P></TD>
<TD colspan=2 class="tr16 td65"><P class="p17 ft6">betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td227"><P class="p36 ft5">konto ska <SPAN class="ft41">vara </SPAN>senast den bankdag</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft3">konto ska <SPAN class="ft4">bestämmas till </SPAN>senast</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft7">då betalningstransaktionens belopp</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft7">den bankdag då betalningstransak-</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft5">krediteras mottagarens betaltjänst-</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft5">tionens belopp krediteras mottag-</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td118"><P class="p36 ft5">leverantörs konto.</P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft5">arens betaltjänstleverantörs konto.</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td197"><P class="p48 ft6">Betalningsmottagarens</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p181 ft6">betal-</P></TD>
<TD colspan=8 class="tr16 td242"><P class="p18 ft6">Betalningsmottagarens</P></TD>
<TD colspan=2 class="tr16 td65"><P class="p27 ft6">betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td113"><P class="p36 ft6">tjänstleverantör</P></TD>
<TD colspan=2 class="tr16 td94"><P class="p3 ft6">ska</P></TD>
<TD colspan=4 class="tr16 td35"><P class="p181 ft7">säkerställa att</P></TD>
<TD colspan=5 class="tr16 td96"><P class="p75 ft5">tjänstleverantör ska</P></TD>
<TD colspan=5 class="tr16 td106"><P class="p27 ft5">säkerställa att</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td197"><P class="p36 ft3">betalningstransaktionens</P></TD>
<TD colspan=2 class="tr15 td46"><P class="p181 ft3">belopp</P></TD>
<TD colspan=8 class="tr15 td242"><P class="p75 ft3">betalningstransaktionens</P></TD>
<TD colspan=2 class="tr15 td65"><P class="p27 ft3">belopp</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft5">ställs till mottagarens förfogande så</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft7">ställs till mottagarens förfogande så</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td227"><P class="p36 ft6">snart som möjligt efter det att</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft6">snart som möjligt efter det att</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td208"><P class="p36 ft3">beloppet</P></TD>
<TD colspan=3 class="tr15 td50"><P class="p146 ft7">krediteras</P></TD>
<TD colspan=4 class="tr15 td35"><P class="p181 ft3">mottagarens</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p75 ft3">beloppet</P></TD>
<TD colspan=3 class="tr15 td125"><P class="p135 ft7">krediteras</P></TD>
<TD colspan=4 class="tr15 td208"><P class="p27 ft7">mottagarens</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td118"><P class="p36 ft5">leverantörs konto.</P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft6">leverantörs konto. <SPAN class="ft4">Detta gäller</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft4">även betalningar inom en och</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr0 td24"><P class="p1 ft3">56</P></TD>
<TD class="tr20 td208"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr20 td131"><P class="p75 ft4">samma betaltjänstleverantör.</P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr21 td208"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td75"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td241"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td69"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td182"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td120"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td67"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td164"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td92"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td151"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td33"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td81"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td161"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td173"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td241"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td120"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td182"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td105"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_57">
<DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=4 class="tr2 td102"><P class="p154 ft3">Valuteringsdagen för debitering</P></TD>
<TD colspan=2 class="tr2 td97"><P class="p153 ft3">Valuteringsdagen för</P></TD>
<TD class="tr2 td158"><P class="p17 ft7">debitering</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td102"><P class="p3 ft3">av betalarens betalkonto <SPAN class="ft4">infaller</SPAN></P></TD>
<TD colspan=3 class="tr15 td215"><P class="p75 ft3">av betalarens betalkonto <SPAN class="ft4">ska</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td65"><P class="p3 ft6">tidigast</P></TD>
<TD class="tr16 td73"><P class="p73 ft4">när</P></TD>
<TD colspan=2 class="tr16 td24"><P class="p154 ft7">betalningstransak-</P></TD>
<TD colspan=3 class="tr16 td215"><P class="p75 ft4">bestämmas till <SPAN class="ft6">tidigast </SPAN>den dag då</P></TD>
</TR>
<TR>
<TD class="tr16 td65"><P class="p3 ft6">tionens</P></TD>
<TD class="tr16 td73"><P class="p130 ft6">belopp</P></TD>
<TD class="tr16 td53"><P class="p90 ft6">debiteras</P></TD>
<TD class="tr16 td34"><P class="p154 ft5">detta</P></TD>
<TD colspan=2 class="tr16 td97"><P class="p75 ft7">betalningstransaktionens</P></TD>
<TD class="tr16 td158"><P class="p17 ft6">belopp</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td137"><P class="p3 ft3">betalkonto.</P></TD>
<TD class="tr20 td53"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td215"><P class="p75 ft3">debiteras detta betalkonto.</P></TD>
</TR>
<TR>
<TD class="tr29 td65"><P class="p3 ft4">21 §</P></TD>
<TD class="tr29 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td53"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td90"><P class="p75 ft4">43 §</P></TD>
<TD class="tr29 td113"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td158"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td65"><P class="p90 ft3">Om</P></TD>
<TD colspan=2 class="tr15 td143"><P class="p3 ft7">betalningsmottagaren</P></TD>
<TD class="tr15 td34"><P class="p154 ft3">inte</P></TD>
<TD class="tr15 td90"><P class="p153 ft3">Om</P></TD>
<TD colspan=2 class="tr15 td187"><P class="p17 ft3">betalningsmottagaren inte</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td102"><P class="p3 ft6">har något betalkonto hos betal-</P></TD>
<TD colspan=3 class="tr16 td215"><P class="p75 ft6">har något betalkonto hos betal-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td186"><P class="p3 ft6">tjänstleverantören som tar</P></TD>
<TD class="tr16 td34"><P class="p154 ft7">emot</P></TD>
<TD colspan=3 class="tr16 td215"><P class="p75 ft6">tjänstleverantören som tar emot</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td102"><P class="p3 ft3">medlen, ska <SPAN class="ft4">denne </SPAN>göra dem</P></TD>
<TD colspan=3 class="tr15 td215"><P class="p75 ft3">medlen, ska <SPAN class="ft4">leverantören </SPAN>göra</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td137"><P class="p3 ft6">tillgängliga för</P></TD>
<TD class="tr16 td53"><P class="p72 ft6">mottagaren</P></TD>
<TD class="tr16 td34"><P class="p154 ft7">inom</P></TD>
<TD class="tr16 td90"><P class="p75 ft6">dem</P></TD>
<TD colspan=2 class="tr16 td187"><P class="p17 ft6">tillgängliga för mottagaren</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td102"><P class="p3 ft6">den tid som anges i <SPAN class="ft4">18 </SPAN>och <SPAN class="ft4">19 </SPAN>§§<SPAN class="ft4">.</SPAN></P></TD>
<TD colspan=3 class="tr16 td215"><P class="p75 ft6">inom den tid som anges i <SPAN class="ft4">40 </SPAN>och</P></TD>
</TR>
<TR>
<TD class="tr20 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td53"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td97"><P class="p75 ft4">41 <SPAN class="ft3">§§</SPAN>.</P></TD>
<TD class="tr20 td158"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_1_2">
<DIV id="id_1_2_1">
<P class="p15 ft4">23 §</P>
<P class="p80 ft6">Om en betalningsorder <SPAN class="ft4">utförts </SPAN>med hjälp av en unik identifika- tionskod, ska <SPAN class="ft4">betalningsordern </SPAN>anses ha <SPAN class="ft4">utförts </SPAN>korrekt <SPAN class="ft4">i för- hållande till </SPAN>den betalnings- mottagare som angetts i identifi- kationskoden.</P>
<P class="p292 ft5">Om den unika identifikationskod som angetts av betaltjänstanvänd- aren är felaktig, ska betaltjänst- leverantören inte vara ansvarig enligt <NOBR><SPAN class="ft41">25</SPAN>–<SPAN class="ft41">29</SPAN></NOBR><SPAN class="ft41"> </SPAN>§§ för att betalnings- transaktionen inte har genomförts eller för brister i genomförandet av transaktionen.</P>
<P class="p293 ft64">Betaltjänstleverantören till den betaltjänstanvändare som lämnade betalningsordern ska dock vidta skäliga åtgärder för att få tillbaka de medel som betalningstransak- tionen avsåg. Leverantören får ta ut en avgift av användaren för de åtgärder som vidtas, om ett ram- avtal med användaren medger det.</P>
</DIV>
<DIV id="id_1_2_2">
<P class="p294 ft68">Betalningsorder med unik identifikationskod</P>
<P class="p270 ft4">45 §</P>
<P class="p295 ft5">Om en betalningsorder <SPAN class="ft41">lämnas </SPAN>med hjälp av en unik identifika- tionskod, ska <SPAN class="ft41">betalarens betal- tjänstleverantör </SPAN>anses ha <SPAN class="ft41">utfört betalningsordern </SPAN>korrekt <SPAN class="ft41">såvitt avser </SPAN>den betalningsmottagare som angetts i identifikationskoden.</P>
<P class="p120 ft5">Om den unika identifikationskod som angetts av betaltjänstanvänd- aren är felaktig, ska betaltjänst- leverantören inte vara ansvarig enligt <NOBR><SPAN class="ft41">47–53</SPAN></NOBR><SPAN class="ft41"> </SPAN>§§ för att betalnings- transaktionen inte har genomförts eller för brister i genomförandet av transaktionen.</P>
<P class="p262 ft70">Betaltjänstleverantören till den betaltjänstanvändare som lämnade betalningsordern ska dock vidta skäliga åtgärder för att få tillbaka de medel som betalningstransak- tionen avsåg. Leverantören får ta ut en avgift av användaren för de åtgärder som vidtas, om ett ram- avtal med användaren medger det.</P>
<P class="p296 ft41">Betalningsmottagarens betaltjänst- leverantör ska bistå leverantören och lämna all tillgänglig informa- tion som är relevant för att medlen ska kunna återfås.</P>
<P class="p269 ft50"><SPAN class="ft76">O</SPAN>m det inte är möjligt att få tillbaka de medel som betalnings- transaktionen avsåg trots att</P>
</DIV>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">57</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_58">
<TABLE cellpadding=0 cellspacing=0 class="t37">
<TR>
<TD class="tr1 td187"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr1 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td94"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr1 td122"><P class="p75 ft41">betalarens</P></TD>
<TD class="tr1 td161"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr1 td77"><P class="p17 ft4">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD class="tr16 td187"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft41">har vidtagit skäliga åtgärder enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td187"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft4">tredje stycket, ska betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td187"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td172"><P class="p75 ft4">leverantören på skriftlig</P></TD>
<TD colspan=2 class="tr16 td82"><P class="p17 ft4">begäran</P></TD>
</TR>
<TR>
<TD class="tr15 td187"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr15 td102"><P class="p75 ft41">ge betalaren all tillgänglig informa-</P></TD>
</TR>
<TR>
<TD class="tr16 td187"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft4">tion som denne behöver för att</P></TD>
</TR>
<TR>
<TD class="tr16 td187"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p75 ft4">kunna</P></TD>
<TD colspan=3 class="tr16 td119"><P class="p130 ft4">inleda</P></TD>
<TD class="tr16 td162"><P class="p297 ft41">ett</P></TD>
<TD colspan=3 class="tr16 td122"><P class="p228 ft41">rättsligt</P></TD>
<TD class="tr16 td33"><P class="p27 ft4">för-</P></TD>
</TR>
<TR>
<TD class="tr20 td187"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr20 td102"><P class="p75 ft4">farande för att få tillbaka medlen.</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr29 td244"><P class="p40 ft69">Betalningstransaktioner som</P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr29 td101"><P class="p75 ft58">Betalningstransaktioner som</P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr20 td245"><P class="p40 ft69">initierats av betalaren</P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr20 td159"><P class="p75 ft58">initierats av betalaren</P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td187"><P class="p40 ft4">25 §</P></TD>
<TD class="tr29 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td20"><P class="p75 ft4">47 §</P></TD>
<TD class="tr29 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=18 class="tr15 td188"><P class="p219 ft7">Betalarens betaltjänstleverantör ansvarar gentemot betalaren för att en</P></TD>
</TR>
<TR>
<TD colspan=14 class="tr16 td246"><P class="p40 ft7">betalningsorder som betalaren har initierat utförs korrekt.</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td187"><P class="p219 ft6">Om</P></TD>
<TD colspan=3 class="tr16 td103"><P class="p74 ft7">betalarens</P></TD>
<TD colspan=5 class="tr16 td116"><P class="p181 ft6">betaltjänstleve-</P></TD>
<TD class="tr16 td20"><P class="p18 ft6">Om</P></TD>
<TD colspan=4 class="tr16 td140"><P class="p41 ft6">betalarens</P></TD>
<TD colspan=4 class="tr16 td205"><P class="p17 ft6">betaltjänstleve-</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr15 td247"><P class="p40 ft3">rantör kan styrka att mottagarens</P></TD>
<TD colspan=9 class="tr15 td102"><P class="p75 ft5">rantör kan styrka att mottagarens</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td247"><P class="p40 ft5">leverantör har tagit emot betalnings-</P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft7">leverantör har tagit emot betalnings-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td245"><P class="p40 ft6">transaktionens belopp</P></TD>
<TD colspan=3 class="tr16 td208"><P class="p181 ft5">enligt <SPAN class="ft41">18 </SPAN>§,</P></TD>
<TD colspan=4 class="tr16 td210"><P class="p75 ft7">transaktionens</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p71 ft6">belopp</P></TD>
<TD colspan=3 class="tr16 td149"><P class="p17 ft5">enligt <SPAN class="ft41">40 </SPAN>§,</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td248"><P class="p40 ft3">ansvarar</P></TD>
<TD colspan=4 class="tr15 td18"><P class="p70 ft7">mottagarens</P></TD>
<TD colspan=3 class="tr15 td208"><P class="p181 ft3">leverantör</P></TD>
<TD colspan=2 class="tr15 td122"><P class="p75 ft3">ansvarar</P></TD>
<TD colspan=4 class="tr15 td208"><P class="p170 ft7">mottagarens</P></TD>
<TD colspan=3 class="tr15 td149"><P class="p27 ft3">leverantör</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td248"><P class="p40 ft5">gentemot</P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td153"><P class="p3 ft7">mottagaren</P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft6">för</P></TD>
<TD class="tr16 td94"><P class="p181 ft6">att</P></TD>
<TD colspan=2 class="tr16 td122"><P class="p75 ft6">gentemot</P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td125"><P class="p177 ft7">mottagaren</P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft6">för</P></TD>
<TD class="tr16 td33"><P class="p17 ft6">att</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr20 td247"><P class="p40 ft3">transaktionen genomförs korrekt.</P></TD>
<TD colspan=9 class="tr20 td102"><P class="p75 ft5">transaktionen genomförs korrekt.</P></TD>
</TR>
<TR>
<TD class="tr29 td187"><P class="p40 ft4">26 §</P></TD>
<TD class="tr29 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td20"><P class="p75 ft4">48 §</P></TD>
<TD class="tr29 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td187"><P class="p219 ft6">Om</P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td50"><P class="p3 ft7">betalarens</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td208"><P class="p181 ft5">betaltjänst-</P></TD>
<TD class="tr16 td20"><P class="p18 ft6">Om</P></TD>
<TD colspan=5 class="tr16 td115"><P class="p179 ft7">betalarens</P></TD>
<TD colspan=3 class="tr16 td149"><P class="p17 ft5">betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr15 td247"><P class="p40 ft3">leverantör ansvarar för genom-</P></TD>
<TD colspan=9 class="tr15 td102"><P class="p75 ft3">leverantör ansvarar för genom-</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td247"><P class="p40 ft6">förandet av en betalningstrans-</P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft6">förandet av en betalningstrans-</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td247"><P class="p40 ft6">aktion enligt <SPAN class="ft4">25 § </SPAN>första stycket,</P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft6">aktion enligt <SPAN class="ft4">47 </SPAN>§ första stycket,</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td249"><P class="p40 ft3">ska leverantören</P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td74"><P class="p146 ft4">utan</P></TD>
<TD colspan=2 class="tr15 td158"><P class="p181 ft4">onödigt</P></TD>
<TD colspan=9 class="tr15 td102"><P class="p75 ft3">ska leverantören <SPAN class="ft4">så snart det kan</SPAN></P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td247"><P class="p40 ft4">dröjsmål återbetala <SPAN class="ft6">beloppet i en</SPAN></P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft4">ske betala tillbaka <SPAN class="ft6">beloppet i en</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td250"><P class="p40 ft6">transaktion</P></TD>
<TD class="tr16 td66"><P class="p146 ft6">som</P></TD>
<TD colspan=2 class="tr16 td126"><P class="p3 ft6">inte</P></TD>
<TD colspan=3 class="tr16 td208"><P class="p181 ft7">genomförts</P></TD>
<TD colspan=3 class="tr16 td18"><P class="p75 ft6">transaktion</P></TD>
<TD colspan=3 class="tr16 td125"><P class="p146 ft6">som inte</P></TD>
<TD colspan=3 class="tr16 td149"><P class="p27 ft7">genomförts</P></TD>
</TR>
<TR>
<TD class="tr15 td187"><P class="p40 ft3">eller</P></TD>
<TD colspan=3 class="tr15 td103"><P class="p3 ft3">genomförts</P></TD>
<TD colspan=4 class="tr15 td138"><P class="p41 ft3">bristfälligt</P></TD>
<TD class="tr15 td94"><P class="p181 ft3">till</P></TD>
<TD class="tr15 td20"><P class="p75 ft3">eller</P></TD>
<TD colspan=4 class="tr15 td140"><P class="p3 ft3">genomförts</P></TD>
<TD colspan=3 class="tr15 td122"><P class="p202 ft5">bristfälligt</P></TD>
<TD class="tr15 td33"><P class="p27 ft3">till</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td247"><P class="p40 ft5">betalaren eller återställa det debite-</P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft7">betalaren eller återställa det debite-</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td247"><P class="p40 ft5">rade betalkontots <SPAN class="ft41">kontoställning </SPAN>till</P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft5">rade betalkontots <SPAN class="ft41">ställning </SPAN>till den</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr15 td247"><P class="p40 ft5">den som det skulle ha haft om den</P></TD>
<TD colspan=9 class="tr15 td102"><P class="p75 ft3">som det skulle ha haft om den</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td250"><P class="p40 ft6">bristfälligt</P></TD>
<TD colspan=4 class="tr16 td57"><P class="p146 ft6">genomförda</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p181 ft5">transak-</P></TD>
<TD colspan=2 class="tr16 td122"><P class="p75 ft6">bristfälligt</P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td31"><P class="p72 ft6">genomförda</P></TD>
<TD colspan=2 class="tr16 td82"><P class="p17 ft5">transak-</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td251"><P class="p40 ft5">tionen inte hade ägt rum.</P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft6">tionen inte hade ägt rum. <SPAN class="ft4">Valute-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td187"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td18"><P class="p75 ft4">ringsdagen</P></TD>
<TD colspan=2 class="tr15 td23"><P class="p170 ft4">för</P></TD>
<TD colspan=3 class="tr15 td122"><P class="p3 ft4">kreditering</P></TD>
<TD class="tr15 td33"><P class="p27 ft4">av</P></TD>
</TR>
<TR>
<TD class="tr16 td187"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td122"><P class="p75 ft41">betalarens</P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td55"><P class="p70 ft41">betalkonto</P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p27 ft4">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td187"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft4">bestämmas till senast den dag då</P></TD>
</TR>
<TR>
<TD class="tr15 td187"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td101"><P class="p75 ft4">beloppet debiterades kontot.</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td187"><P class="p219 ft6">Om</P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td168"><P class="p181 ft7">betalningsmottagarens</P></TD>
<TD class="tr16 td20"><P class="p18 ft6">Om</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td77"><P class="p17 ft7">betalningsmottagarens</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td252"><P class="p40 ft7">betaltjänstleverantör</P></TD>
<TD colspan=3 class="tr16 td103"><P class="p130 ft6">ansvarar</P></TD>
<TD class="tr16 td94"><P class="p181 ft6">för</P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft6">betaltjänstleverantör ansvarar för</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td252"><P class="p40 ft3">genomförandet av</P></TD>
<TD class="tr15 td120"><P class="p3 ft3">en</P></TD>
<TD colspan=3 class="tr15 td208"><P class="p181 ft5">transaktion</P></TD>
<TD colspan=5 class="tr15 td146"><P class="p75 ft3">genomförandet av</P></TD>
<TD class="tr15 td94"><P class="p74 ft3">en</P></TD>
<TD colspan=3 class="tr15 td149"><P class="p17 ft5">transaktion</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td247"><P class="p40 ft6">enligt <SPAN class="ft4">25 </SPAN>§ andra stycket ska leve-</P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft5">enligt <SPAN class="ft41">47 </SPAN>§ andra stycket ska leve-</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td247"><P class="p40 ft5">rantören så snart som möjligt ställa</P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft7">rantören så snart som möjligt ställa</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr15 td247"><P class="p40 ft3">transaktionens belopp till betal-</P></TD>
<TD colspan=9 class="tr15 td102"><P class="p75 ft3">transaktionens belopp till betal-</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td247"><P class="p40 ft6">ningsmottagarens förfogande eller</P></TD>
<TD colspan=9 class="tr16 td102"><P class="p75 ft7">ningsmottagarens förfogande eller</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td248"><P class="p40 ft6">kreditera</P></TD>
<TD colspan=4 class="tr16 td18"><P class="p70 ft7">mottagarens</P></TD>
<TD colspan=3 class="tr16 td208"><P class="p181 ft6">betalkonto</P></TD>
<TD colspan=2 class="tr16 td122"><P class="p75 ft6">kreditera</P></TD>
<TD colspan=4 class="tr16 td208"><P class="p182 ft7">mottagarens</P></TD>
<TD colspan=3 class="tr16 td149"><P class="p17 ft6">betalkonto</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td251"><P class="p40 ft7">med motsvarande belopp.</P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr15 td102"><P class="p75 ft3">med motsvarande belopp. <SPAN class="ft4">Valu-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr20 td187"><P class="p1 ft3">58</P></TD>
<TD class="tr20 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr20 td210"><P class="p75 ft4">teringsdagen</P></TD>
<TD class="tr20 td162"><P class="p172 ft4">för</P></TD>
<TD colspan=3 class="tr20 td122"><P class="p178 ft41">kreditering</P></TD>
<TD class="tr20 td33"><P class="p17 ft4">av</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_59">
<DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD class="tr2 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr2 td147"><P class="p75 ft4">betalningsmottagarens</P></TD>
<TD colspan=3 class="tr2 td50"><P class="p17 ft41">betalkonto</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td215"><P class="p75 ft4">ska bestämmas till senast den dag</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td215"><P class="p75 ft4">då beloppet skulle ha valuterats</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td215"><P class="p75 ft41">om transaktionen hade genomförts</P></TD>
</TR>
<TR>
<TD colspan=5 rowspan=2 class="tr25 td102"><P class="p154 ft4">Om en betalare har initierat en</P></TD>
<TD colspan=3 class="tr15 td18"><P class="p75 ft4">korrekt.</P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td215"><P class="p17 ft4">Om en betalningstransaktion</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td175"><P class="p3 ft4">betalningsorder,</P></TD>
<TD class="tr16 td135"><P class="p74 ft4">och</P></TD>
<TD colspan=2 class="tr16 td141"><P class="p154 ft41">betalnings-</P></TD>
<TD class="tr16 td68"><P class="p75 ft4">inte</P></TD>
<TD class="tr16 td241"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td50"><P class="p3 ft4">genomförs</P></TD>
<TD class="tr16 td70"><P class="p90 ft4">i</P></TD>
<TD colspan=3 class="tr16 td200"><P class="p3 ft4">enlighet</P></TD>
<TD class="tr16 td70"><P class="p17 ft4">med</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td102"><P class="p154 ft4">transaktionen inte genomförs eller</P></TD>
<TD colspan=2 class="tr15 td177"><P class="p75 ft4">40 §,</P></TD>
<TD class="tr15 td135"><P class="p74 ft4">ska</P></TD>
<TD colspan=6 class="tr15 td95"><P class="p17 ft41">betalningsmottagarens</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td102"><P class="p154 ft41">genomförs bristfälligt, ska betalar-</P></TD>
<TD colspan=7 class="tr16 td170"><P class="p75 ft4">betaltjänstleverantör, på</P></TD>
<TD colspan=2 class="tr16 td14"><P class="p17 ft41">begäran</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft4">ens</P></TD>
<TD colspan=3 class="tr16 td253"><P class="p3 ft4">betaltjänstleverantör</P></TD>
<TD class="tr16 td27"><P class="p154 ft41">på</P></TD>
<TD class="tr16 td68"><P class="p75 ft4">av</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p1 ft4">betalarens</P></TD>
<TD colspan=5 class="tr16 td167"><P class="p17 ft41">betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td102"><P class="p154 ft4">begäran av betalaren så snart som</P></TD>
<TD colspan=9 class="tr15 td215"><P class="p75 ft4">tör, se till att valuteringsdagen för</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td102"><P class="p154 ft4">möjligt försöka spåra betalnings-</P></TD>
<TD colspan=3 class="tr16 td18"><P class="p75 ft4">kreditering</P></TD>
<TD class="tr16 td33"><P class="p177 ft41">av</P></TD>
<TD colspan=5 class="tr16 td167"><P class="p17 ft4">betalningsmottag-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td175"><P class="p3 ft4">transaktionen</P></TD>
<TD class="tr16 td135"><P class="p3 ft4">och</P></TD>
<TD colspan=2 class="tr16 td141"><P class="p154 ft4">underrätta</P></TD>
<TD colspan=9 class="tr16 td215"><P class="p75 ft41">arens konto bestäms till senast den</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td179"><P class="p3 ft41">betalaren om resultatet<SPAN class="ft5">.</SPAN></P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td215"><P class="p75 ft41">dag då beloppet skulle ha valuterats</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td68"><P class="p75 ft4">om</P></TD>
<TD colspan=7 class="tr16 td97"><P class="p74 ft4">betalningstransaktionen</P></TD>
<TD class="tr16 td70"><P class="p17 ft41">hade</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td86"><P class="p75 ft4">genomförts korrekt<SPAN class="ft6">.</SPAN></P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td177"><P class="p153 ft4">Det</P></TD>
<TD class="tr15 td135"><P class="p90 ft4">är</P></TD>
<TD class="tr15 td33"><P class="p179 ft41">den</P></TD>
<TD colspan=5 class="tr15 td167"><P class="p17 ft4">kontoförvaltande</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td147"><P class="p75 ft4">betaltjänstleverantören</P></TD>
<TD colspan=2 class="tr16 td164"><P class="p70 ft4">som</P></TD>
<TD class="tr16 td70"><P class="p17 ft4">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td215"><P class="p75 ft4">återställa det debiterade betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td86"><P class="p75 ft4">kontots ställning</P></TD>
<TD colspan=2 class="tr15 td75"><P class="p1 ft41">enligt</P></TD>
<TD colspan=2 class="tr15 td14"><P class="p17 ft4">första</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td215"><P class="p75 ft4">stycket även om en leverantör av</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td68"><P class="p75 ft4">en</P></TD>
<TD colspan=7 class="tr16 td97"><P class="p3 ft41">betalningsinitieringstjänst</P></TD>
<TD class="tr16 td70"><P class="p17 ft4">har</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td215"><P class="p75 ft4">initierat den felaktigt genomförda</P></TD>
</TR>
<TR>
<TD class="tr28 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td80"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr28 td107"><P class="p75 ft4">transaktionen.</P></TD>
<TD class="tr28 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td13"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td70"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_1_2">
<DIV id="id_1_2_1">
<P class="p298 ft69">Betalningstransaktioner som initierats av eller via betalningsmottagaren</P>
<P class="p268 ft4">27 §</P>
<P class="p299 ft64">Betalningsmottagarens betal- tjänstleverantör ansvarar gentemot mottagaren för att betalningstrans- aktionens belopp ställs till mot- tagarens förfogande enligt <SPAN class="ft63">20 </SPAN>§ och för att en betalningsorder som initierats av eller via mottagaren</P>
</DIV>
<DIV id="id_1_2_2">
<P class="p15 ft4">49 §</P>
<P class="p262 ft41">Om en betalningstransaktion som initierats av betalaren inte genomförs eller genomförs brist- fälligt, ska betalarens betaltjänst- leverantör, oavsett om denne har ansvar för det inträffade, på begäran av betalaren så snart som möjligt försöka spåra den initierade betalningstransaktionen och underrätta betalaren om resultatet. Detta ska vara avgifts- fritt för betalaren<SPAN class="ft5">.</SPAN></P>
<P class="p300 ft60">Betalningstransaktioner som initierats av eller via betalningsmottagaren</P>
<P class="p268 ft4">50 §</P>
<P class="p271 ft40">Betalningsmottagarens betal- tjänstleverantör ansvarar gentemot mottagaren för att betalningstrans- aktionens belopp ställs till mot- tagarens förfogande enligt <SPAN class="ft39">42 </SPAN>§ och för att en betalningsorder som initierats av eller via mottagaren</P>
</DIV>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">59</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_60">
<DIV id="id_1">
<DIV id="id_1_1">
<P class="p147 ft3">Prop. 2017/18:77 överförs korrekt till betalarens betaltjänstleverantör i enlighet med <SPAN class="ft4">19 </SPAN>§.</P>
<P class="p301 ft4">En <SPAN class="ft3">betaltjänstleverantör </SPAN>som är ansvarig enligt första stycket och <SPAN class="ft3">har försökt </SPAN>utföra <SPAN class="ft3">en betalningsorder ska så snart som möjligt överföra den berörda betalningsordern på nytt till betalarens betaltjänstleverantör.</SPAN></P>
</DIV>
<DIV id="id_1_2">
<P class="p302 ft3">överförs korrekt till betalarens betaltjänstleverantör i enlighet med <SPAN class="ft4">41 </SPAN>§.</P>
<P class="p145 ft41">Om betalningsmottagarens <SPAN class="ft5">betaltjänstleverantör har försökt </SPAN>att överföra <SPAN class="ft5">en betalningsorder </SPAN>i enlighet med första stycket men misslyckats, <SPAN class="ft5">ska </SPAN>leverantören <SPAN class="ft5">så snart som möjligt överföra den berörda betalningsordern på nytt till betalarens betaltjänstleverantör.</SPAN></P>
<P class="p303 ft4">Om betalningsmottagarens betaltjänstleverantör inte har överfört en betalningsorder enligt första stycket, ska betalnings- transaktionens belopp valuteras på mottagarens betalkonto senast den dag då beloppet skulle ha valut- erats om betalningsordern hade överförts korrekt.</P>
</DIV>
</DIV>
<DIV id="id_2">
<TABLE cellpadding=0 cellspacing=0 class="t41">
<TR>
<TD class="tr22 td57"><P class="p3 ft4">28 §</P></TD>
<TD class="tr22 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td35"><P class="p75 ft4">51 §</P></TD>
<TD class="tr22 td28"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td57"><P class="p90 ft3">Betalarens</P></TD>
<TD colspan=2 class="tr15 td108"><P class="p154 ft5">betaltjänstleverantör</P></TD>
<TD class="tr15 td35"><P class="p153 ft3">Betalarens</P></TD>
<TD class="tr15 td28"><P class="p17 ft5">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft5">ansvarar gentemot betalaren för en</P></TD>
<TD colspan=2 class="tr16 td102"><P class="p75 ft7">ansvarar gentemot betalaren för en</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td179"><P class="p3 ft6">inte genomförd eller</P></TD>
<TD class="tr16 td141"><P class="p181 ft6">bristfälligt</P></TD>
<TD colspan=2 class="tr16 td102"><P class="p75 ft6">inte genomförd eller bristfälligt</P></TD>
</TR>
<TR>
<TD class="tr15 td57"><P class="p3 ft3">genomförd</P></TD>
<TD colspan=2 class="tr15 td108"><P class="p181 ft7">betalningstransaktion</P></TD>
<TD class="tr15 td35"><P class="p75 ft3">genomförd</P></TD>
<TD class="tr15 td28"><P class="p17 ft7">betalningstransaktion</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">som initierats av eller via betal-</P></TD>
<TD colspan=2 class="tr16 td102"><P class="p75 ft6">som initierats av eller via betal-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td102"><P class="p3 ft6">ningsmottagaren, utom då mot-</P></TD>
<TD colspan=2 class="tr16 td102"><P class="p75 ft6">ningsmottagaren, utom då mot-</P></TD>
</TR>
<TR>
<TD class="tr15 td57"><P class="p3 ft3">tagarens</P></TD>
<TD colspan=2 class="tr15 td108"><P class="p154 ft5">betaltjänstleverantör</P></TD>
<TD class="tr15 td35"><P class="p75 ft3">tagarens</P></TD>
<TD class="tr15 td28"><P class="p27 ft5">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td179"><P class="p3 ft6">ansvarar gentemot</P></TD>
<TD class="tr16 td141"><P class="p154 ft7">mottagaren</P></TD>
<TD colspan=2 class="tr16 td102"><P class="p75 ft6">ansvarar gentemot mottagaren</P></TD>
</TR>
<TR>
<TD class="tr21 td57"><P class="p3 ft23">enligt <SPAN class="ft62">27 </SPAN>§<SPAN class="ft62">.</SPAN></P></TD>
<TD class="tr21 td80"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td141"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td35"><P class="p75 ft23">enligt <SPAN class="ft62">50 </SPAN>§<SPAN class="ft62">.</SPAN></P></TD>
<TD class="tr21 td28"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t42">
<TR height=0>
<TD width=66px></TD>
<TD width=87px></TD>
<TD width=30px></TD>
<TD width=53px></TD>
<TD width=88px></TD>
<TD width=32px></TD>
<TD width=36px></TD>
<TD width=22px></TD>
<TD width=31px></TD>
<TD width=45px></TD>
<TD width=23px></TD>
</TR>
<TR>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td84"><P class="p304 ft3">En</P></TD>
<TD colspan=3 class="tr28 td131"><P class="p21 ft7">betalares betaltjänstleveran-</P></TD>
<TD class="tr28 td75"><P class="p90 ft3">En</P></TD>
<TD colspan=2 class="tr28 td150"><P class="p146 ft3">betalares</P></TD>
<TD colspan=3 class="tr28 td198"><P class="p17 ft7">betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td254"><P class="p305 ft6">tör som är ansvarig enligt första</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft6">tör som är ansvarig enligt första</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td254"><P class="p305 ft6">stycket ska <SPAN class="ft4">återbetala </SPAN>betalnings-</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft6">stycket ska <SPAN class="ft4">betala tillbaka </SPAN>betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td42"><P class="p305 ft7">transaktionens belopp</P></TD>
<TD class="tr15 td210"><P class="p62 ft3">till betalaren</P></TD>
<TD colspan=4 class="tr15 td108"><P class="p3 ft3">ningstransaktionens</P></TD>
<TD class="tr15 td119"><P class="p241 ft7">belopp</P></TD>
<TD class="tr15 td162"><P class="p17 ft3">till</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td254"><P class="p305 ft6">eller återställa det debiterade betal-</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft5">betalaren eller återställa det debi-</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td254"><P class="p305 ft6">kontot<SPAN class="ft4">s kontoställning </SPAN>till den som</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft5">terade betalkontot <SPAN class="ft41">till den ställning</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td254"><P class="p305 ft3"><SPAN class="ft4">det </SPAN>skulle ha haft om den brist-</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p3 ft5">som <SPAN class="ft41">kontot </SPAN>skulle ha haft om den</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td84"><P class="p305 ft6">fälligt</P></TD>
<TD colspan=2 class="tr16 td43"><P class="p75 ft6">genomförda</P></TD>
<TD class="tr16 td210"><P class="p62 ft7">transaktionen</P></TD>
<TD colspan=2 class="tr16 td140"><P class="p3 ft6">bristfälligt</P></TD>
<TD colspan=4 class="tr16 td108"><P class="p17 ft6">genomförda transak-</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td42"><P class="p305 ft6">inte hade ägt rum.</P></TD>
<TD class="tr16 td210"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft6">tionen inte hade ägt rum. <SPAN class="ft4">Valu-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td84"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td210"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p3 ft4">teringsdagen för kreditering av</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td84"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td210"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td140"><P class="p3 ft4">betalarens</P></TD>
<TD colspan=3 class="tr16 td195"><P class="p306 ft4">betalkonto</P></TD>
<TD class="tr16 td162"><P class="p17 ft4">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td84"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td210"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft4">bestämmas till senast den dag då</P></TD>
</TR>
<TR>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD rowspan=2 class="tr25 td84"><P class="p304 ft4">Om</P></TD>
<TD rowspan=2 class="tr25 td92"><P class="p90 ft4">en</P></TD>
<TD colspan=2 rowspan=2 class="tr25 td207"><P class="p62 ft4">betalningstransaktion</P></TD>
<TD colspan=5 class="tr15 td191"><P class="p3 ft4">beloppet debiterades kontot.</P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">Andra stycket gäller inte om en</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td254"><P class="p305 ft4">initierats av eller via betalnings-</P></TD>
<TD colspan=4 class="tr16 td108"><P class="p3 ft41">betalningstransaktion</P></TD>
<TD colspan=2 class="tr16 td140"><P class="p27 ft4">inte genom-</P></TD>
</TR>
<TR>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td254"><P class="p305 ft4">mottagaren, och transaktionen inte</P></TD>
<TD class="tr15 td75"><P class="p3 ft4">förs</P></TD>
<TD colspan=2 class="tr15 td150"><P class="p3 ft4">i enlighet</P></TD>
<TD colspan=2 class="tr15 td57"><P class="p307 ft4">med 40 §</P></TD>
<TD class="tr15 td162"><P class="p17 ft4">men</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td209"><P class="p305 ft4">genomförs</P></TD>
<TD colspan=2 class="tr16 td207"><P class="p21 ft4">eller genomförs brist-</P></TD>
<TD colspan=2 class="tr16 td140"><P class="p3 ft4">betalarens</P></TD>
<TD colspan=4 class="tr16 td108"><P class="p17 ft4">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td254"><P class="p305 ft4">fälligt, ska mottagarens betaltjänst-</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft41">kan visa att betalningsmottagarens</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td78"><P class="p196 ft7">60</P></TD>
<TD colspan=4 class="tr15 td254"><P class="p305 ft4">leverantör på begäran av mottag-</P></TD>
<TD colspan=4 class="tr15 td108"><P class="p3 ft4">betaltjänstleverantör</P></TD>
<TD class="tr15 td119"><P class="p308 ft4">ändå</P></TD>
<TD class="tr15 td162"><P class="p17 ft4">har</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr28 td254"><P class="p305 ft4">aren så snart som möjligt försöka</P></TD>
<TD class="tr28 td75"><P class="p3 ft4">tagit</P></TD>
<TD class="tr28 td34"><P class="p146 ft4">emot</P></TD>
<TD colspan=4 class="tr28 td108"><P class="p27 ft4">beloppet. Betalnings-</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV id="page_61">
<DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<DIV id="id_1_1_1">
<P class="p309 ft50">spåra betalningstransaktionen och underrätta mottagaren om resul- tatet.</P>
<P class="p310 ft4">30 §</P>
<P class="p299 ft5">Betaltjänstleverantören får kräva att betaltjänstanvändaren ansvarar för betalningstransaktionens belopp, om användaren inte underrättar leverantören <SPAN class="ft41">utan onödigt dröjsmål </SPAN>efter att ha fått vetskap om att transaktionen genomförts på ett felaktigt sätt. Detsamma gäller om leverantören har lämnat information om transaktionen till användaren eller gjort informationen tillgänglig för denne enligt bestämmelserna i 4 kap. och användaren inte under- rättar leverantören inom 13 månader från det att beloppet belastat kontot.</P>
</DIV>
<DIV id="id_1_1_2">
<P class="p277 ft50">mottagarens betaltjänstleverantör ska då valutera beloppet på betal- ningsmottagarens betalkonto senast den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt.</P>
<P class="p263 ft4">52 §</P>
<P class="p262 ft41">Om en betalningstransaktion som initierats av eller via betalningsmottagaren inte genom- förs eller genomförs bristfälligt, ska mottagarens betaltjänstleverantör, oavsett dennes ansvar för det inträffade, på begäran av mot- tagaren så snart som möjligt för- söka spåra den initierade betal- ningstransaktionen och underrätta mottagaren om resultatet. Detta ska vara avgiftsfritt för mot- tagaren.</P>
<P class="p91 ft4">54 §</P>
<P class="p271 ft64">Betaltjänstleverantören får kräva att betaltjänstanvändaren ansvarar för betalningstransaktionens belopp, om användaren inte underrättar leverantören <SPAN class="ft63">så snart det kan ske </SPAN>efter att ha fått vetskap om att transaktionen genomförts på ett felaktigt sätt. Detsamma gäller om leverantören har lämnat information om transaktionen till användaren eller gjort informa- tionen tillgänglig för denne enligt bestämmelserna i 4 kap. och användaren inte underrättar leverantören inom 13 månader från det att beloppet belastat kontot.</P>
<P class="p311 ft50">Det är den kontoförvaltande betaltjänstleverantören som ska underrättas enligt första stycket även om en leverantör av betal- ningsinitieringstjänster har initi- erat den felaktigt genomförda betalningstransaktionen.</P>
</DIV>
</DIV>
<DIV id="id_1_2">
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD class="tr22 td164"><P class="p3 ft4">31 §</P></TD>
<TD class="tr22 td89"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td102"><P class="p312 ft4">55 §</P></TD>
</TR>
<TR>
<TD class="tr15 td164"><P class="p90 ft5">Om</P></TD>
<TD class="tr15 td89"><P class="p181 ft4">en betalningstransaktion</P></TD>
<TD class="tr15 td102"><P class="p17 ft3">Om en betaltjänstleverantör eller</P></TD>
</TR>
<TR>
<TD class="tr28 td164"><P class="p3 ft4">inte</P></TD>
<TD class="tr28 td89"><P class="p181 ft4">genomförs eller genomförs</P></TD>
<TD class="tr28 td102"><P class="p17 ft3">mellanhand som inte är ansvarig</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">61</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_62">
<DIV id="id_1">
<DIV id="id_1_1">
<P class="p147 ft41"><SPAN class="ft5">Prop. 2017/18:77 </SPAN>bristfälligt och felet är hänförligt till <SPAN class="ft5">en betaltjänstleverantör eller mellanhand som inte är ansvarig </SPAN>gentemot betaltjänstanvändare <SPAN class="ft5">en- ligt </SPAN><NOBR>25<SPAN class="ft5">–</SPAN>29</NOBR> <SPAN class="ft5">§§</SPAN>, <SPAN class="ft5">har den </SPAN>leverantör <SPAN class="ft5">som </SPAN>ansvarar gentemot en använ- dare <SPAN class="ft5">enligt </SPAN>dessa bestämmelser rätt till ersättning av den leverantör eller mellanhand som orsakade att transaktionen inte genomfördes eller genomfördes bristfälligt<SPAN class="ft5">.</SPAN></P>
<P class="p313 ft3">Ersättningen ska motsvara de förluster, inbegripet belopp som <SPAN class="ft4">betalts </SPAN>till betaltjänstanvändare, som uppkommit hos betaltjänst- leverantören enligt <NOBR><SPAN class="ft4">25</SPAN>–<SPAN class="ft4">29</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§.</P>
</DIV>
<DIV id="id_1_2">
<P class="p314 ft41">mot betaltjänstanvändaren <SPAN class="ft5">enligt </SPAN><NOBR>47<SPAN class="ft5">–</SPAN>53</NOBR> <SPAN class="ft5">§§ </SPAN>eller 5 a kap. <SPAN class="ft5">har </SPAN>orsakat att en betalningstransaktion inte genomförts <SPAN class="ft5">eller </SPAN>genomförts <SPAN class="ft5">brist- fälligt </SPAN>eller att en obehörig betal- ningstransaktion genomförts, ska leverantören eller mellanhanden ersätta <SPAN class="ft5">den </SPAN>betaltjänstleverantör <SPAN class="ft5">som </SPAN>är ansvarig mot betaltjänst- användaren för de förluster, inbegripet belopp som betalats till betaltjänstanvändaren, som upp- kommit hos denna betaltjänst- leverantör enligt <NOBR>47<SPAN class="ft5">–</SPAN>53</NOBR> §§ eller 5 a kap.</P>
<P class="p315 ft4"><SPAN class="ft3">Ersättningen ska motsvara de förluster, inbegripet belopp som </SPAN>betalats <SPAN class="ft3">till betaltjänstanvändare, som uppkommit hos betaltjänst- leverantören enligt </SPAN><NOBR>47<SPAN class="ft3">–</SPAN>53</NOBR> <SPAN class="ft3">§§ </SPAN>och 5 a kap<SPAN class="ft3">.</SPAN></P>
<P class="p263 ft4">56 §</P>
<P class="p289 ft4">Om en leverantör av betalnings- initieringstjänster har orsakat att en betalningstransaktion inte har genomförts eller genomförts brist- fälligt eller att en obehörig betal- ningstransaktion genomförts, ska leverantören ersätta den kontoför- valtande betaltjänstleverantören för de förluster, inbegripet belopp som betalats till betaltjänst- användaren, som uppkommit hos betaltjänstleverantören enligt <NOBR>47–53</NOBR> §§ och 5 a kap.</P>
<P class="p316 ft69">Hantering av klagomål</P>
<P class="p317 ft4">58 §</P>
<P class="p289 ft50">En betaltjänstleverantör ska ha lämpliga och effektiva förfaranden för hantering av klagomål från betaltjänstanvändare.</P>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">62</P>
</DIV>
</DIV>
<DIV id="page_63">
<DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<TABLE cellpadding=0 cellspacing=0 class="t43">
<TR>
<TD class="tr2 td60"><P class="p3 ft69">Tvingande bestämmelser</P></TD>
<TD class="tr2 td255"><P class="p3 ft79">Möjlighet att avvika från</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td255"><P class="p3 ft69">bestämmelserna</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_1_2">
<DIV id="id_1_2_1">
<P class="p15 ft4">33 §</P>
<P class="p80 ft50">Bestämmelserna i detta kapitel får inte frångås till nackdel för en betaltjänstanvändare.</P>
<P class="p318 ft81">Första stycket hindrar dock inte att en <SPAN class="ft70">betaltjänstleverantör </SPAN>kom- mer <SPAN class="ft70">överens med en betaltjänst- användare som inte är konsument om avvikelser från bestämmelserna i 1 § första stycket, </SPAN><NOBR>6<SPAN class="ft70">–</SPAN>8</NOBR> <SPAN class="ft70">§§,</SPAN></P>
<P class="p319 ft4"><NOBR>13<SPAN class="ft3">–</SPAN>15</NOBR> <SPAN class="ft3">§§ </SPAN>och <NOBR>25<SPAN class="ft3">–</SPAN>30</NOBR> <SPAN class="ft3">§§.</SPAN></P>
</DIV>
<DIV id="id_1_2_2">
<P class="p15 ft4">59 §<SPAN class="ft43">14</SPAN></P>
<P class="p320 ft4">En <SPAN class="ft3">betaltjänstleverantör </SPAN>får komma <SPAN class="ft3">överens med en betaltjänst- användare som inte är konsument om avvikelser från bestäm- melserna i 1 § första stycket, </SPAN>28<SPAN class="ft3">– </SPAN>30 <SPAN class="ft3">§§, </SPAN><NOBR>35<SPAN class="ft3">–</SPAN>37</NOBR> och 47 <SPAN class="ft3">§§</SPAN>, 48 § <NOBR>första–tredje</NOBR> styckena, <NOBR>49–53</NOBR> <SPAN class="ft3">§§ </SPAN>och 54 § första stycket<SPAN class="ft3">.</SPAN></P>
<P class="p270 ft69">Bemyndiganden</P>
<P class="p260 ft4">60 §</P>
<P class="p117 ft50">Regeringen eller den myndighet som regeringen bestämmer får meddela föreskrifter om hur betal- tjänstleverantörer ska hantera de klagomål som avses i 58 §.</P>
<P class="p317 ft69">5 a kap. Obehöriga transaktioner</P>
<P class="p321 ft69">Betaltjänstleverantörens skyldighet att återställa kontot</P>
<P class="p268 ft4">1 §</P>
<P class="p262 ft41">Har det genomförts en obehörig transaktion från en kontohavares konto, ska kontohavarens betal- tjänstleverantör återställa kontot till den ställning som det skulle ha haft om transaktionen inte hade genomförts, om inte annat följer av <NOBR>2–6</NOBR> §§. Återställandet ska ske omedelbart och senast i slutet av den bankdag som inträffar efter det att betaltjänstleverantören har fått kännedom om transaktionen. Om det finns anledning att miss- tänka att transaktionen är behörig, har betaltjänstleverantören dock rätt till en skälig tid för att</P>
</DIV>
</DIV>
<DIV id="id_1_3">
<P class="p15 ft7"><SPAN class="ft44">14 </SPAN>Ändringarna innebär bl.a. att första stycket tas bort.</P>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">63</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_64">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td219"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=2 class="tr1 td61"><P class="p258 ft4">undersöka</P></TD>
<TD class="tr1 td23"><P class="p3 ft4">saken.</P></TD>
<TD colspan=3 class="tr1 td136"><P class="p17 ft4">Valuterings-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td221"><P class="p258 ft4">dagen ska bestämmas till senast</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td221"><P class="p258 ft4">den dag då beloppet debiterades.</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td174"><P class="p322 ft4">Om</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p72 ft4">kontot inte</P></TD>
<TD colspan=2 class="tr16 td125"><P class="p17 ft4">återställs</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td221"><P class="p258 ft4">omedelbart eller senast i slutet av</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td221"><P class="p258 ft4">den bankdag som inträffar efter</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td221"><P class="p258 ft4">det att betaltjänstleverantören har</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td221"><P class="p258 ft4">fått kännedom om transaktionen,</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td221"><P class="p258 ft41">ska leverantören skriftligen under-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td174"><P class="p258 ft4">rätta</P></TD>
<TD colspan=4 class="tr16 td118"><P class="p1 ft4">Finansinspektionen</P></TD>
<TD class="tr16 td164"><P class="p17 ft4">om</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td61"><P class="p258 ft4">anledningen.</P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td174"><P class="p322 ft4">Den</P></TD>
<TD colspan=4 class="tr16 td118"><P class="p71 ft4">kontoförvaltande</P></TD>
<TD class="tr16 td164"><P class="p17 ft41">betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td256"><P class="p258 ft4">tjänstleverantören</P></TD>
<TD class="tr16 td67"><P class="p3 ft4">ska</P></TD>
<TD colspan=2 class="tr16 td125"><P class="p17 ft4">återställa</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td221"><P class="p258 ft4">kontot, även om den obehöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td221"><P class="p258 ft4">transaktionen har initierats av en</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td61"><P class="p258 ft4">leverantör</P></TD>
<TD class="tr16 td23"><P class="p73 ft4">av</P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td125"><P class="p17 ft41">betalnings-</P></TD>
</TR>
<TR>
<TD class="tr20 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td256"><P class="p258 ft4">initieringstjänster.</P></TD>
<TD class="tr20 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr31 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr31 td257"><P class="p258 ft69">Kontohavarens ansvar</P></TD>
<TD class="tr31 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td174"><P class="p258 ft4">2 §</P></TD>
<TD class="tr27 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td174"><P class="p322 ft4">Om</P></TD>
<TD colspan=2 class="tr16 td55"><P class="p3 ft4">obehöriga</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p17 ft4">transaktioner</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td221"><P class="p258 ft4">från en kontohavares konto har</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td221"><P class="p258 ft4">kunnat genomföras till följd av att</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td221"><P class="p258 ft4">kontohavaren inte har skyddat sin</P></TD>
</TR>
<TR>
<TD class="tr15 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td61"><P class="p258 ft4">personliga</P></TD>
<TD colspan=4 class="tr15 td209"><P class="p17 ft4">behörighetsfunktion,</P></TD>
</TR>
<TR>
<TD class="tr16 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td221"><P class="p258 ft4">ansvarar kontohavaren för belop-</P></TD>
</TR>
<TR>
<TD class="tr20 td219"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr20 td258"><P class="p258 ft4">pet, dock högst 400 kronor.</P></TD>
<TD class="tr20 td164"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p323 ft4">3 §</P>
<P class="p97 ft4">Om obehöriga transaktioner från en kontohavares konto har kunnat genomföras till följd av att en skyldighet enligt 5 kap. 6 § åsidosatts genom grov oaktsamhet, ansvarar kontohavaren för hela beloppet.</P>
<P class="p324 ft50">Är kontohavaren konsument, är ansvaret enligt första stycket begränsat till högst 12 000 kronor. Har kontohavaren handlat särskilt klandervärt, ansvarar han eller hon dock för hela beloppet.</P>
<TABLE cellpadding=0 cellspacing=0 class="t39">
<TR>
<TD class="tr2 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td259"><P class="p325 ft4">4</P></TD>
<TD class="tr2 td126"><P class="p72 ft4">§</P></TD>
<TD class="tr2 td158"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td125"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD rowspan=2 class="tr25 td259"><P class="p325 ft4">3</P></TD>
<TD colspan=4 class="tr16 td196"><P class="p17 ft4">Oavsett vad som anges i 2 och</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td126"><P class="p72 ft4">§§,</P></TD>
<TD class="tr15 td158"><P class="p170 ft41">ansvarar</P></TD>
<TD colspan=2 class="tr15 td167"><P class="p17 ft4">kontohavaren inte</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td129"><P class="p325 ft4">för något belopp som har belastat</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td129"><P class="p325 ft4">kontot efter det att kontohavaren</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td6"><P class="p17 ft7">64</P></TD>
<TD colspan=2 class="tr15 td260"><P class="p325 ft4">har</P></TD>
<TD class="tr15 td158"><P class="p326 ft41">anmält</P></TD>
<TD class="tr15 td90"><P class="p74 ft4">till</P></TD>
<TD class="tr15 td125"><P class="p17 ft41">betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr28 td261"><P class="p325 ft4">leverantören</P></TD>
<TD class="tr28 td90"><P class="p72 ft4">att</P></TD>
<TD class="tr28 td125"><P class="p17 ft41">betalnings-</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_65">
<DIV>
<DIV id="id_1">
<P class="p277 ft50">instrumentet ska spärras. Detta gäller dock inte om kontohavaren genom svikligt förfarande har orsakat eller bidragit till de obehöriga transaktionerna.</P>
<P class="p327 ft69">När stark kundautentisering inte har använts</P>
<P class="p317 ft4">5 §</P>
<P class="p82 ft50">Om stark kundautentisering inte har använts vid en sådan betal-</P>
<TABLE cellpadding=0 cellspacing=0 class="t44">
<TR>
<TD colspan=2 class="tr28 td190"><P class="p3 ft41">ningstransaktion</P></TD>
<TD class="tr28 td123"><P class="p36 ft4">som</P></TD>
<TD class="tr28 td46"><P class="p17 ft4">avses i</P></TD>
</TR>
<TR>
<TD class="tr15 td9"><P class="p3 ft4">5 b kap.</P></TD>
<TD class="tr15 td142"><P class="p21 ft4">4 §</P></TD>
<TD class="tr15 td123"><P class="p3 ft4">första</P></TD>
<TD class="tr15 td46"><P class="p17 ft41">stycket 2,</P></TD>
</TR>
<TR>
<TD class="tr21 td9"><P class="p3 ft62">ansvarar</P></TD>
<TD colspan=3 class="tr21 td159"><P class="p17 ft62">kontohavarens betal-</P></TD>
</TR>
</TABLE>
<P class="p277 ft4">tjänstleverantör för hela beloppet för de obehöriga transaktionerna,</P>
<TABLE cellpadding=0 cellspacing=0 class="t44">
<TR>
<TD class="tr28 td53"><P class="p3 ft4">oavsett vad</P></TD>
<TD class="tr28 td53"><P class="p146 ft4">som anges</P></TD>
<TD class="tr28 td126"><P class="p3 ft4">i 2</P></TD>
<TD class="tr28 td67"><P class="p17 ft41">och</P></TD>
</TR>
<TR>
<TD class="tr16 td53"><P class="p3 ft4">3 §§. Detta</P></TD>
<TD class="tr16 td53"><P class="p3 ft4">gäller dock</P></TD>
<TD class="tr16 td126"><P class="p146 ft4">inte</P></TD>
<TD class="tr16 td67"><P class="p17 ft4">om</P></TD>
</TR>
</TABLE>
<P class="p277 ft4">kontohavaren genom svikligt för- farande har orsakat eller bidragit till de obehöriga transaktionerna.</P>
<P class="p89 ft4">Om betalningsmottagaren eller dennes betaltjänstleverantör inte har krävt stark kundautentisering, ska den part som inte krävt detta ersätta betalarens betaltjänst- leverantör för de förluster som uppkommit hos leverantören enligt första stycket.</P>
<P class="p328 ft69">Kontohavarens ansvar att underrätta betaltjänstleverantören</P>
<P class="p317 ft4">6 §</P>
<P class="p82 ft4">Om kontohavaren inte under- rättar betaltjänstleverantören så snart det kan ske efter att ha fått vetskap om de obehöriga transak- tionerna, ansvarar kontohavaren för hela beloppet. Detsamma gäller om betaltjänstleverantören har lämnat information om trans- aktionerna till kontohavaren och denne inte underrättar leveran- tören inom tretton månader från det att beloppen belastade kontot.</P>
<P class="p329 ft50">Underrättelse enligt första stycket ska göras till den konto- förvaltande betaltjänstleveran-</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">65</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_66">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td114"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr1 td165"><P class="p3 ft4">tören, även</P></TD>
<TD class="tr1 td68"><P class="p74 ft4">om</P></TD>
<TD class="tr1 td210"><P class="p17 ft4">den obehöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft4">transaktionen har initierats av en</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft4">leverantör</P></TD>
<TD class="tr16 td68"><P class="p3 ft4">av</P></TD>
<TD class="tr16 td210"><P class="p17 ft41">betalningsinitie-</P></TD>
</TR>
<TR>
<TD class="tr20 td114"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td165"><P class="p3 ft4">ringstjänster.</P></TD>
<TD class="tr20 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td210"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p330 ft69">Kontohavarens ansvar för någon annans handlande</P>
<P class="p331 ft4">7 §</P>
<P class="p138 ft4">Om även någon annan än konto- havaren är behörig enligt konto- avtalet att använda ett betalnings- instrument, ska, vid bedömningen enligt <NOBR>1–6</NOBR> §§ av om kontohavaren ansvarar för något belopp, den andra personens handlande räk- nas som om kontohavaren själv hade handlat.</P>
<P class="p332 ft69">Möjlighet att avvika från bestämmelserna</P>
<P class="p331 ft4">8 §</P>
<P class="p333 ft50">En betaltjänstleverantör får komma överens med en betaltjänst- användare som inte är konsument om avvikelser från bestämmelserna i <NOBR>2–5</NOBR> §§ och 6 § första stycket.</P>
<P class="p334 ft89">5 b kap. Operativa risker och stark kundautentisering</P>
<P class="p331 ft69">Hantering av operativa risker</P>
<TABLE cellpadding=0 cellspacing=0 class="t45">
<TR>
<TD class="tr22 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td262"><P class="p325 ft4">1 §</P></TD>
<TD class="tr22 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td126"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td129"><P class="p27 ft4">En betaltjänstleverantör ska ha</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td129"><P class="p325 ft4">ett system med lämpliga åtgärder</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td129"><P class="p325 ft4">och kontrollmekanismer för att</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td129"><P class="p325 ft41">hantera operativa risker och säker-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td129"><P class="p325 ft4">hetsrisker som är förknippade med</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td129"><P class="p325 ft41">de betaltjänster som den tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td262"><P class="p325 ft4">håller.</P></TD>
<TD class="tr16 td177"><P class="p3 ft4">Inom</P></TD>
<TD class="tr16 td20"><P class="p3 ft4">ramen</P></TD>
<TD class="tr16 td75"><P class="p71 ft4">för</P></TD>
<TD class="tr16 td126"><P class="p27 ft41">detta</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td129"><P class="p325 ft4">system ska betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td262"><P class="p325 ft4">reglera</P></TD>
<TD class="tr15 td177"><P class="p90 ft4">hur</P></TD>
<TD colspan=2 class="tr15 td79"><P class="p130 ft4">incidenter</P></TD>
<TD class="tr15 td126"><P class="p17 ft4">ska</P></TD>
</TR>
<TR>
<TD class="tr28 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr28 td263"><P class="p325 ft4">hanteras.</P></TD>
<TD class="tr28 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td126"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td262"><P class="p325 ft4">2 §</P></TD>
<TD class="tr27 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td75"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td126"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td129"><P class="p27 ft4">En betaltjänstleverantör ska till</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td264"><P class="p325 ft4">Finansinspektionen</P></TD>
<TD colspan=2 class="tr16 td166"><P class="p27 ft41">rapportera</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td6"><P class="p17 ft7">66</P></TD>
<TD colspan=5 class="tr15 td129"><P class="p325 ft4">vilka operativa risker och säker-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr28 td129"><P class="p325 ft4">hetsrisker som är förknippade med</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_67">
<DIV>
<DIV id="id_1">
<P class="p277 ft50">de betaltjänster som leverantören tillhandahåller och vilka åtgärder som har vidtagits för att hantera dessa risker.</P>
<P class="p82 ft50">Betaltjänstleverantören ska till Finansinspektionen lämna statis- tiska uppgifter om svikliga förfaranden som har ägt rum i samband med användningen av leverantörens betaltjänster.</P>
<P class="p263 ft4">3 §</P>
<P class="p89 ft41">En betaltjänstleverantör ska så snart det kan ske underrätta Finansinspektionen om en allvarlig operativ incident eller säkerhets- incident som uppkommit i verk- samheten. Finansinspektionen ska så snart det kan ske informera Riksbanken, andra berörda svenska myndigheter, Europeiska bankmyndigheten och Europeiska centralbanken.</P>
<P class="p329 ft4">Om incidenten påverkar eller kan påverka betaltjänstanvändar- nas ekonomiska intressen, ska betaltjänstleverantören så snart det kan ske informera användarna om incidenten och om de åtgärder som kan vidtas för att begränsa risken för skada.</P>
<P class="p335 ft69">Stark kundautentisering</P>
<P class="p260 ft4">4 §</P>
<P class="p230 ft50">En betaltjänstleverantör ska tillämpa stark kundautentisering när betalaren</P>
<P class="p82 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft52">loggar in på sitt betalkonto online,</SPAN></P>
<P class="p82 ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft52">initierar en elektronisk betal- ningstransaktion, eller</SPAN></P>
<P class="p82 ft4"><SPAN class="ft4">3.</SPAN><SPAN class="ft52">genomför någon åtgärd på distans som kan innebära en risk för svikligt förfarande eller andra former av missbruk.</SPAN></P>
<P class="p117 ft50">För elektroniska betalnings- transaktioner på distans enligt första stycket 2 ska betaltjänst- leverantören tillämpa stark kund- autentisering som kopplar trans-</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">67</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_68">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td114"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=5 class="tr1 td72"><P class="p3 ft41">aktionen till ett specifikt belopp och</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td72"><P class="p3 ft4">en specifik betalningsmottagare.</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td58"><P class="p90 ft4">När</P></TD>
<TD colspan=2 class="tr16 td177"><P class="p3 ft4">stark</P></TD>
<TD colspan=2 class="tr16 td167"><P class="p17 ft4">kundautentisering</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td153"><P class="p3 ft4">tillämpas</P></TD>
<TD class="tr16 td180"><P class="p3 ft4">ska</P></TD>
<TD colspan=2 class="tr16 td167"><P class="p17 ft41">betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr15 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td72"><P class="p3 ft4">tören vidta särskilda åtgärder för</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td72"><P class="p3 ft4">att skydda betaltjänstanvändarens</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td153"><P class="p3 ft4">personliga</P></TD>
<TD colspan=3 class="tr16 td265"><P class="p17 ft4">behörighetsfunktioner</P></TD>
</TR>
<TR>
<TD class="tr15 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td72"><P class="p3 ft4">mot obehörig åtkomst och för-</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td153"><P class="p3 ft4">vanskning.</P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td58"><P class="p90 ft4">Första</P></TD>
<TD class="tr16 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p146 ft4">och</P></TD>
<TD class="tr16 td104"><P class="p75 ft4">andra</P></TD>
<TD class="tr16 td82"><P class="p17 ft41">styckena</P></TD>
</TR>
<TR>
<TD class="tr15 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td72"><P class="p3 ft4">gäller inte om annat följer av</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft4">tekniska</P></TD>
<TD colspan=3 class="tr16 td76"><P class="p146 ft4">standarder som</P></TD>
<TD class="tr16 td82"><P class="p17 ft4">antagits</P></TD>
</TR>
<TR>
<TD class="tr16 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td210"><P class="p3 ft4">av Europeiska</P></TD>
<TD colspan=2 class="tr16 td167"><P class="p17 ft4">kommissionen i</P></TD>
</TR>
<TR>
<TD class="tr15 td114"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft4">enlighet</P></TD>
<TD colspan=3 class="tr15 td76"><P class="p72 ft4">med artikel 98</P></TD>
<TD class="tr15 td82"><P class="p17 ft4">i betal-</P></TD>
</TR>
<TR>
<TD class="tr28 td114"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr28 td210"><P class="p3 ft4">tjänstdirektivet.</P></TD>
<TD class="tr28 td104"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td82"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p323 ft4">5 §</P>
<P class="p336 ft4">En kontoförvaltande betaltjänst- leverantör som tillhandahåller betaltjänstanvändaren ett betal- konto som är tillgängligt online ska göra det möjligt för leve- rantörer av betalningsinitierings- tjänster och kontoinformations- tjänster att förlita sig på den autentisering som den konto- förvaltande betaltjänstleveran- tören tillhandahåller betaltjänst- användaren.</P>
<P class="p337 ft69">Bemyndiganden</P>
<P class="p338 ft4">6 §</P>
<P class="p97 ft50">Regeringen eller den myndighet som regeringen bestämmer får meddela föreskrifter om</P>
<P class="p97 ft4">1. hur ett system enligt 1 § ska utformas,</P>
<P class="p97 ft4">2. vilka upplysningar en betal- tjänstleverantör ska lämna enligt 2 § samt hur och när uppgifterna ska lämnas,</P>
<P class="p97 ft50">3. vad som utgör en allvarlig operativ incident eller säkerhets- incident enligt 3 § första stycket,</P>
<P class="p97 ft4">4. hur bedömningen av om en incident påverkar eller kan påverka betaltjänstanvändarnas ekonomiska intressen enligt 3 § andra stycket ska göras, och</P>
<P class="p112 ft3">68</P>
</DIV>
<DIV id="page_69">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr1 td267"><P class="p169 ft4">5. hur betaltjänstanvändarna ska</P></TD>
<TD class="tr1 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td28"><P class="p339 ft4">informeras</P></TD>
<TD colspan=2 class="tr15 td104"><P class="p36 ft4">enligt</P></TD>
<TD class="tr15 td34"><P class="p242 ft4">3 §</P></TD>
<TD colspan=2 class="tr15 td103"><P class="p169 ft4">andra</P></TD>
<TD class="tr15 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr28 td28"><P class="p339 ft4">stycket.</P></TD>
<TD class="tr28 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td46"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td266"><P class="p3 ft42">7 kap. <SPAN class="ft69">Tillträde </SPAN>till</P></TD>
<TD colspan=7 class="tr27 td267"><P class="p339 ft69"><SPAN class="ft42">7 kap. </SPAN>Betaltjänstleverantörers</P></TD>
<TD class="tr27 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft80">betalningssystem</P></TD>
<TD colspan=7 class="tr16 td267"><P class="p339 ft80"><SPAN class="ft86">tillträde </SPAN>till betalningssystem <SPAN class="ft86">och</SPAN></P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr20 td212"><P class="p339 ft79">tillgång till betalkontotjänster</P></TD>
<TD class="tr20 td46"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td266"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td15"><P class="p339 ft4">4 §</P></TD>
<TD class="tr29 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td46"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td267"><P class="p169 ft4">Om en deltagare i ett betalnings-</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td266"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td15"><P class="p339 ft4">system</P></TD>
<TD colspan=2 class="tr15 td119"><P class="p74 ft4">enligt</P></TD>
<TD class="tr15 td74"><P class="p3 ft4">lagen</P></TD>
<TD colspan=3 class="tr15 td156"><P class="p169 ft4">(1999:1309)</P></TD>
<TD class="tr15 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td267"><P class="p339 ft4">om system för avveckling av för-</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td28"><P class="p339 ft4">pliktelser</P></TD>
<TD class="tr16 td33"><P class="p71 ft4">på</P></TD>
<TD colspan=4 class="tr16 td253"><P class="p169 ft4">finansmarknaden</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td266"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td15"><P class="p339 ft4">tillåter</P></TD>
<TD class="tr15 td94"><P class="p31 ft41">en</P></TD>
<TD colspan=5 class="tr15 td242"><P class="p169 ft4">betaltjänstleverantör</P></TD>
<TD class="tr15 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td267"><P class="p339 ft4">som inte är deltagare i systemet att</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td15"><P class="p339 ft4">sända</P></TD>
<TD colspan=4 class="tr16 td139"><P class="p28 ft4">överföringsorder</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p169 ft41">genom</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td267"><P class="p339 ft4">systemet, ska deltagaren på ett</P></TD>
<TD class="tr15 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td28"><P class="p339 ft4">objektivt,</P></TD>
<TD colspan=5 class="tr16 td242"><P class="p169 ft4"><NOBR>icke-diskriminerande</NOBR></P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td267"><P class="p339 ft4">och proportionellt sätt ge även</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td266"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td15"><P class="p339 ft4">andra</P></TD>
<TD colspan=5 class="tr15 td265"><P class="p154 ft41">betaltjänstleverantörer</P></TD>
<TD class="tr15 td46"><P class="p169 ft4">som</P></TD>
<TD class="tr15 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td15"><P class="p339 ft4">begär</P></TD>
<TD class="tr16 td94"><P class="p3 ft4">det</P></TD>
<TD colspan=5 class="tr16 td242"><P class="p169 ft41">motsvarande möjlighet.</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td267"><P class="p339 ft4">För sådant indirekt tillträde gäller</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td155"><P class="p339 ft4">vad som anges i 1 §.</P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td267"><P class="p169 ft4">Om en deltagare nekar en</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td155"><P class="p339 ft4">betaltjänstleverantör</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p154 ft4">sådant</P></TD>
<TD class="tr16 td46"><P class="p169 ft4">till-</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td267"><P class="p339 ft4">träde till betalningssystem som</P></TD>
<TD class="tr15 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td267"><P class="p339 ft4">avses i första stycket, ska del-</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td267"><P class="p339 ft4">tagaren ge betaltjänstleverantören</P></TD>
<TD class="tr16 td115"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td266"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr20 td155"><P class="p339 ft4">skälen för detta.</P></TD>
<TD class="tr20 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td46"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td115"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p340 ft4">5 §</P>
<P class="p341 ft4">Ett kreditinstitut ska på objek- tiva, <NOBR>icke-diskriminerande</NOBR> och proportionella grunder ge betal- tjänstleverantörer som begär det tillgång till kreditinstitutets betal- kontotjänster. Sådan tillgång ska ges i den omfattning som krävs för att betaltjänstleverantörer obe- hindrat och effektivt ska kunna tillhandahålla sina betaltjänster.</P>
<P class="p342 ft50">Om ett kreditinstitut nekar en betaltjänstleverantör tillgång till institutets betalkontotjänster, ska institutet meddela Finansinspek- tionen och ange skälen för detta.</P>
<P class="p343 ft3">69</P>
</DIV>
<DIV id="page_70">
<TABLE cellpadding=0 cellspacing=0 class="t37">
<TR>
<TD class="tr19 td42"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr19 td268"><P class="p344 ft78">8 kap.</P></TD>
<TD class="tr19 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td74"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td42"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td268"><P class="p345 ft3">1 §<SPAN class="ft43">15</SPAN></P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td269"><P class="p219 ft5">Finansinspektionen</P></TD>
<TD class="tr16 td66"><P class="p70 ft6">har</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p21 ft6">tillsyn</P></TD>
<TD class="tr16 td95"><P class="p31 ft5">Finansinspektionen</P></TD>
<TD class="tr16 td66"><P class="p70 ft6">har</P></TD>
<TD class="tr16 td74"><P class="p27 ft5">tillsyn</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td114"><P class="p40 ft6">över att bestämmelserna i denna</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft6">över att bestämmelserna i denna</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td114"><P class="p40 ft3">lag följs, liksom bestämmelserna i</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p3 ft7">lag följs, liksom bestämmelserna i</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td269"><P class="p40 ft6">Europaparlamentets</P></TD>
<TD class="tr16 td66"><P class="p346 ft5">och</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p21 ft7">rådets</P></TD>
<TD class="tr16 td95"><P class="p3 ft6">Europaparlamentets</P></TD>
<TD class="tr16 td66"><P class="p3 ft6">och</P></TD>
<TD class="tr16 td74"><P class="p17 ft7">rådets</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td114"><P class="p40 ft6">förordning (EG) nr 924/2009 av</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft6">förordning (EG) nr 924/2009 av</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td114"><P class="p40 ft3">den 16 september 2009 om gräns-</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p3 ft7">den 16 september 2009 om gräns-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td249"><P class="p40 ft6">överskridande</P></TD>
<TD colspan=3 class="tr16 td141"><P class="p326 ft7">betalningar</P></TD>
<TD class="tr16 td34"><P class="p21 ft6">i</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft7">överskridande betalningar i gemen-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td114"><P class="p40 ft6">gemenskapen och om upphävande</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft7">skapen och om upphävande av för-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td114"><P class="p40 ft3">av förordning (EG) nr 2560/2001</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p3 ft3">ordning (EG) nr 2560/2001 och i</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p40 ft6">och i</P></TD>
<TD colspan=4 class="tr16 td143"><P class="p3 ft6">Europaparlamentets</P></TD>
<TD class="tr16 td34"><P class="p21 ft5">och</P></TD>
<TD class="tr16 td95"><P class="p3 ft6">Europaparlamentets</P></TD>
<TD class="tr16 td66"><P class="p3 ft6">och</P></TD>
<TD class="tr16 td74"><P class="p17 ft7">rådets</P></TD>
</TR>
<TR>
<TD class="tr16 td42"><P class="p40 ft6">rådets</P></TD>
<TD colspan=2 class="tr16 td165"><P class="p72 ft6">förordning</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p75 ft6">(EU)</P></TD>
<TD class="tr16 td34"><P class="p21 ft6">nr</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft6">förordning (EU) nr 260/2012.</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td114"><P class="p40 ft4"><SPAN class="ft3">260/2012 </SPAN>av den 14 mars 2012 om</P></TD>
<TD class="tr15 td95"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td249"><P class="p40 ft4">antagande av</P></TD>
<TD colspan=2 class="tr16 td104"><P class="p41 ft4">tekniska</P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p21 ft4">och</P></TD>
<TD class="tr16 td95"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td114"><P class="p40 ft4">affärsmässiga krav för betalningar</P></TD>
<TD class="tr16 td95"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p256 ft4">och autogireringar i euro och om ändring av förordning (EG) nr 924/2009<SPAN class="ft3">.</SPAN></P>
<P class="p98 ft70">För betalningsinstitut och registrerade betaltjänstleverantörer omfattar tillsynen även att deras betaltjänstverksamhet drivs enligt andra författ- ningar som reglerar deras verksamhet, bolagsordning, stadgar samt interna instruktioner som har sin grund i en författning som reglerar deras verksamhet. I fråga om tillsynen över övriga betaltjänstleverantörer enligt 1 kap. 3 § gäller bestämmelserna i de lagar som reglerar deras verk-</P>
<TABLE cellpadding=0 cellspacing=0 class="t38">
<TR>
<TD colspan=6 class="tr20 td245"><P class="p3 ft3">samhet, om inte annat följer av denna lag.</P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td72"><P class="p17 ft5">Finansinspektionen ska samråda</P></TD>
<TD colspan=8 class="tr16 td60"><P class="p17 ft6">Finansinspektionen ska samråda</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft6">med</P></TD>
<TD colspan=2 class="tr16 td156"><P class="p3 ft6">Konkurrensverket</P></TD>
<TD class="tr16 td23"><P class="p74 ft6">innan</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">en</P></TD>
<TD colspan=6 class="tr16 td170"><P class="p148 ft6">med Konkurrensverket</P></TD>
<TD class="tr16 td66"><P class="p157 ft6">innan</P></TD>
<TD class="tr16 td13"><P class="p27 ft6">en</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td146"><P class="p3 ft3">tillsynsåtgärd eller</P></TD>
<TD class="tr15 td33"><P class="p3 ft3">ett</P></TD>
<TD colspan=2 class="tr15 td154"><P class="p17 ft7">ingripande</P></TD>
<TD colspan=4 class="tr15 td64"><P class="p148 ft3">tillsynsåtgärd eller</P></TD>
<TD colspan=4 class="tr15 td62"><P class="p17 ft3">ett ingripande</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td72"><P class="p17 ft5">vidtas mot någon som har ansvar</P></TD>
<TD colspan=2 class="tr16 td91"><P class="p148 ft6">vidtas mot</P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td72"><P class="p17 ft6">för betalningssystem för över-</P></TD>
<TD colspan=2 class="tr16 td91"><P class="p235 ft6"><SPAN class="ft4">1. </SPAN>någon</P></TD>
<TD class="tr16 td75"><P class="p74 ft6">som</P></TD>
<TD colspan=2 class="tr16 td68"><P class="p74 ft6">har</P></TD>
<TD colspan=2 class="tr16 td82"><P class="p129 ft6">ansvar</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">för</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td270"><P class="p3 ft5">trädelse av 7 kap. 1 och 2 §§.</P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td121"><P class="p148 ft7">betalningssystem</P></TD>
<TD colspan=2 class="tr15 td68"><P class="p74 ft3">för</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p27 ft7">överträdelse</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td111"><P class="p148 ft6">av 7 kap. 1 och 2 §§<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td60"><P class="p17 ft4">2. en deltagare i ett betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td62"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td150"><P class="p148 ft4">system</P></TD>
<TD class="tr15 td13"><P class="p3 ft4">för</P></TD>
<TD colspan=6 class="tr15 td134"><P class="p17 ft4">överträdelse av 7 kap.</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td91"><P class="p148 ft4">4 §, eller</P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td62"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td60"><P class="p17 ft4">3. ett kreditinstitut för överträd-</P></TD>
</TR>
<TR>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td62"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr20 td64"><P class="p148 ft4">else av 7 kap. 5 §<SPAN class="ft3">.</SPAN></P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td62"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td150"><P class="p3 ft3">2 §</P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td146"><P class="p31 ft5">Betalningsinstitut,</P></TD>
<TD colspan=3 class="tr15 td91"><P class="p17 ft3">registrerade</P></TD>
<TD colspan=4 class="tr15 td64"><P class="p235 ft5">Betalningsinstitut,</P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td78"><P class="p27 ft7">registrerade</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td48"><P class="p3 ft6">betaltjänstleverantörer</P></TD>
<TD class="tr16 td23"><P class="p72 ft4">och</P></TD>
<TD class="tr16 td13"><P class="p17 ft7">den</P></TD>
<TD colspan=8 class="tr16 td60"><P class="p17 ft6">betaltjänstleverantörer<SPAN class="ft4">, </SPAN>den som</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td72"><P class="p17 ft5"><SPAN class="ft41">eller de </SPAN>som har ansvar för ett be-</P></TD>
<TD colspan=8 class="tr16 td60"><P class="p17 ft6">har ansvar för ett betalnings-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td72"><P class="p17 ft7">talningssystem ska lämna Finans-</P></TD>
<TD colspan=8 class="tr15 td60"><P class="p17 ft4"><SPAN class="ft3">system, </SPAN>den som är anmälnings-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td270"><P class="p3 ft6">inspektionen de upplysningar</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">om</P></TD>
<TD class="tr16 td150"><P class="p148 ft4">skyldig</P></TD>
<TD colspan=2 class="tr16 td80"><P class="p93 ft4">enligt</P></TD>
<TD colspan=3 class="tr16 td65"><P class="p3 ft4">1 kap.</P></TD>
<TD class="tr16 td66"><P class="p42 ft4">9 §</P></TD>
<TD class="tr16 td13"><P class="p17 ft4">och</P></TD>
</TR>
<TR>
<TD class="tr20 td75"><P class="p3 ft3">sin</P></TD>
<TD class="tr20 td62"><P class="p146 ft3">verksamhet</P></TD>
<TD class="tr20 td33"><P class="p1 ft5">och</P></TD>
<TD colspan=2 class="tr20 td154"><P class="p17 ft3">därmed</P></TD>
<TD colspan=2 class="tr20 td91"><P class="p148 ft4">utländska</P></TD>
<TD colspan=2 class="tr20 td73"><P class="p3 ft4">företag</P></TD>
<TD colspan=2 class="tr20 td105"><P class="p3 ft4">som</P></TD>
<TD colspan=2 class="tr20 td9"><P class="p17 ft4">tillhanda</P></TD>
</TR>
</TABLE>
<P class="p347 ft7"><SPAN class="ft44">15 </SPAN>Senaste lydelse 2014:220.</P>
<P class="p102 ft3">70</P>
</DIV>
<DIV id="page_71">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD class="tr2 td60"><P class="p3 ft3">sammanhängande omständigheter</P></TD>
<TD class="tr2 td61"><P class="p3 ft4">håller betaltjänster i Sverige från</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">som inspektionen begär.</P></TD>
<TD class="tr15 td61"><P class="p3 ft4">en filial eller genom ett ombud</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td61"><P class="p3 ft4">enligt 3 kap. 26 § <SPAN class="ft6">ska lämna</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td61"><P class="p3 ft7">Finansinspektionen de upplysning-</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td61"><P class="p3 ft5">ar om sin verksamhet och därmed</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td61"><P class="p3 ft7">sammanhängande omständigheter</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td61"><P class="p3 ft6">som inspektionen begär.</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td61"><P class="p90 ft4">Utländska företag som till-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td61"><P class="p3 ft41">handahåller betaltjänster i Sverige</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td61"><P class="p3 ft41">genom ett ombud enligt 3 kap. 26 §</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td61"><P class="p3 ft4">ska utse en central kontaktpunkt</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td61"><P class="p3 ft41">här i landet om Finansinspektionen</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td61"><P class="p3 ft4">begär det.</P></TD>
</TR>
</TABLE>
<P class="p348 ft3">3 §</P>
<P class="p82 ft3">Finansinspektionen får när det är nödvändigt genomföra en undersök- ning hos</P>
<P class="p79 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">ett betalningsinstitut,</SPAN></P>
<P class="p79 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">en registrerad betaltjänstleverantör, och</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t46">
<TR>
<TD colspan=2 class="tr15 td60"><P class="p62 ft3">3. utländska företag som till-</P></TD>
<TD class="tr15 td61"><P class="p17 ft3">3. utländska företag som till-</P></TD>
</TR>
<TR>
<TD class="tr16 td217"><P class="p3 ft5">handahåller betaltjänster i</P></TD>
<TD class="tr16 td150"><P class="p62 ft5">Sverige</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">handahåller betaltjänster i Sverige</P></TD>
</TR>
<TR>
<TD class="tr16 td217"><P class="p3 ft5">enligt 3 kap. 26 <SPAN class="ft41">och 27 §</SPAN>§.</P></TD>
<TD class="tr16 td150"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td61"><P class="p238 ft5">enligt 3 kap. 26 §.</P></TD>
</TR>
</TABLE>
<P class="p82 ft6">Om det behövs för tillsynen av ett betalningsinstitut eller en registrerad betaltjänstleverantör, får Finansinspektionen genomföra en undersökning hos</P>
<P class="p79 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">en filial till institutet,</SPAN></P>
<P class="p79 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">ett ombud till institutet eller leverantören, och</SPAN></P>
<P class="p82 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">ett företag som har fått i uppdrag att utföra visst arbete eller vissa funktioner åt institutet eller leverantören.</SPAN></P>
<P class="p89 ft93">En undersökning hos en registrerad betaltjänstleverantör får endast om- fatta den verksamhet som avser tillhandahållande av betaltjänster.</P>
<TABLE cellpadding=0 cellspacing=0 class="t47">
<TR>
<TD class="tr22 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td9"><P class="p3 ft3">4 §</P></TD>
<TD class="tr22 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p17 ft6">Finansinspektionen ska i sin till-</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p17 ft6">Finansinspektionen ska i sin till-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td156"><P class="p3 ft3">synsverksamhet</P></TD>
<TD colspan=2 class="tr15 td210"><P class="p17 ft3">samarbeta och</P></TD>
<TD colspan=6 class="tr15 td60"><P class="p17 ft4"><SPAN class="ft3">synsverksamhet</SPAN>, i den utsträckning</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft6">utbyta</P></TD>
<TD colspan=2 class="tr16 td107"><P class="p3 ft6">information med</P></TD>
<TD class="tr16 td80"><P class="p17 ft6">behöriga</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p17 ft4">som följer av betalkontodirektivet</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p17 ft6">myndigheter inom EES<SPAN class="ft4">. Inspek-</SPAN></P></TD>
<TD colspan=6 class="tr16 td60"><P class="p17 ft4">och betaltjänstdirektivet, <SPAN class="ft6">samarbeta</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft4">tionen</P></TD>
<TD colspan=3 class="tr15 td217"><P class="p17 ft4">ska dessutom samarbeta</P></TD>
<TD class="tr15 td9"><P class="p191 ft3">och</P></TD>
<TD class="tr15 td123"><P class="p3 ft3">utbyta</P></TD>
<TD colspan=3 class="tr15 td47"><P class="p346 ft3">information</P></TD>
<TD class="tr15 td162"><P class="p17 ft7">med</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p17 ft4">och utbyta information <SPAN class="ft6">med Euro-</SPAN></P></TD>
<TD colspan=2 class="tr16 td156"><P class="p191 ft4">motsvarande</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p3 ft6">behöriga</P></TD>
<TD colspan=2 class="tr16 td200"><P class="p17 ft6">myndig-</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft6">peiska</P></TD>
<TD colspan=2 class="tr16 td107"><P class="p70 ft6">centralbanken,</P></TD>
<TD class="tr16 td80"><P class="p17 ft7">nationella</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p17 ft4"><SPAN class="ft6">heter inom EES</SPAN>. Samarbete och</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td156"><P class="p3 ft5">centralbanker och</P></TD>
<TD class="tr15 td34"><P class="p70 ft7">andra</P></TD>
<TD class="tr15 td80"><P class="p17 ft3">behöriga</P></TD>
<TD colspan=3 class="tr15 td134"><P class="p191 ft4">informationsutbyte</P></TD>
<TD class="tr15 td126"><P class="p94 ft41">ska</P></TD>
<TD class="tr15 td180"><P class="p3 ft4">även</P></TD>
<TD class="tr15 td162"><P class="p17 ft4">ske</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p17 ft7">myndigheter som utsetts i enlighet</P></TD>
<TD class="tr16 td9"><P class="p191 ft6">med</P></TD>
<TD colspan=2 class="tr16 td18"><P class="p3 ft6">Europeiska</P></TD>
<TD colspan=3 class="tr16 td91"><P class="p17 ft7">centralbanken,</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p17 ft6">med unionsrätt som är tillämplig</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p17 ft6">nationella centralbanker<SPAN class="ft4">, Euro-</SPAN></P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td61"><P class="p3 ft3">på betaltjänstleverantörer.</P></TD>
<TD class="tr15 td9"><P class="p191 ft4">peiska</P></TD>
<TD colspan=5 class="tr15 td170"><P class="p17 ft4">kommissionen, Europeiska</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td134"><P class="p191 ft4">bankmyndigheten</P></TD>
<TD class="tr16 td126"><P class="p41 ft5">och</P></TD>
<TD colspan=2 class="tr16 td200"><P class="p17 ft6">andra</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td60"><P class="p17 ft6">behöriga myndigheter som utsetts i</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td80"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td60"><P class="p17 ft3">enlighet med unionsrätt som är</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td156"><P class="p191 ft6">tillämplig på</P></TD>
<TD colspan=4 class="tr16 td271"><P class="p17 ft6">betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr21 td81"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td166"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td34"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td80"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td9"><P class="p191 ft23">törer.</P></TD>
<TD class="tr21 td123"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td126"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td126"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td180"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td162"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p82 ft3">En behörig myndighet inom EES får närvara vid en kontroll som utförs av Finansinspektionen.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">71</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_72">
<DIV id="tx1"><SPAN class="ft5">Finansinspektionen ska föra ett register över betalningsinstitut, registrerade betaltjänstleveran- törer, deras ombud och filialer </SPAN><SPAN class="ft41">samt över dem som avses i 1 kap. 10 §</SPAN><SPAN class="ft5">. Registret ska innehålla uppgifter om</SPAN></DIV>
<DIV id="tx2"><SPAN class="ft39">1. </SPAN><SPAN class="ft40">vilka betaltjänster som betal- ningsinstitut, registrerade betal- tjänstleverantörer, deras ombud och filialer har rätt att tillhanda- hålla</SPAN><SPAN class="ft39">,</SPAN></DIV>
<DIV id="tx3"><SPAN class="ft56">2. den verksamhet som drivs av den som avses i 1 kap. 10 §,</SPAN></DIV>
<DIV id="tx4"><SPAN class="ft4">3. tillstånd som har återkallats,</SPAN></DIV>
<DIV id="tx5"><SPAN class="ft50">4. vilka registrerade betal- tjänstleverantörer som inte längre uppfyller villkoren för registrering enligt 2 kap. 3 §.</SPAN></DIV>
<DIV id="tx6"><SPAN class="ft54">Registret ska hållas tillgängligt hos Finansinspektionen.</SPAN></DIV>
<DIV id="tx7"><SPAN class="ft4">Finansinspektionen ska så snart det kan ske underrätta Europeiska bankmyndigheten om den information som förs in i registret enligt första stycket och om skälen till att ett tillstånd återkallats eller till att en regist-</SPAN></DIV>
<DIV id="tx8"><SPAN class="ft94">Register över </SPAN><SPAN class="ft95">betaltjänstverksamhet</SPAN></DIV>
<DIV id="tx9"><SPAN class="ft70">Finansinspektionen får hänskjuta frågor som rör samarbete mellan behöriga myndigheter, särskilt om informationsutbyte, till Europeiska bankmyndigheten för tvistlösning i enlighet med artikel 23 i betal- kontodirektivet </SPAN><SPAN class="ft81">eller artikel 27 i betaltjänstdirektivet</SPAN><SPAN class="ft70">.</SPAN></DIV>
<P class="p161 ft3">Prop. 2017/18:77 Finansinspektionen får delegera uppgiften att genomföra en kontroll på plats av en filial eller ombud till ett betalningsinstitut som står under dess tillsyn till en behörig myndighet i ett annat land inom EES.</P>
<P class="p349 ft3">4 a §<SPAN class="ft43">16 </SPAN>Finansinspektionen får hänskjuta</P>
<P class="p350 ft3">frågor som rör samarbete mellan behöriga myndigheter, särskilt om informationsutbyte, till Europeiska bankmyndigheten för tvistlösning i enlighet med artikel 23 i betal- kontodirektivet.</P>
<P class="p351 ft95"><SPAN class="ft94">Register över </SPAN>betalningsinstitut och registrerade betaltjänstleverantörer</P>
<P class="p352 ft3">5 §</P>
<P class="p353 ft5">Finansinspektionen ska föra ett register över betalningsinstitut, registrerade betaltjänstleveran- törer, deras ombud och filialer. Registret ska innehålla uppgifter om vilka betaltjänster som betal- ningsinstitut, registrerade betal- tjänstleverantörer, deras ombud och filialer har rätt att tillhandahålla.</P>
<P class="p354 ft56">Registret ska hållas tillgängligt hos Finansinspektionen.</P>
<P class="p355 ft7"><SPAN class="ft44">16 </SPAN>Senaste lydelse 2017:342.</P>
<P class="p15 ft3">72</P>
</DIV>
<DIV id="page_73">
<DIV id="tx1"><SPAN class="ft70">Finansinspektionen får förelägga ett utländskt företag som tillhanda- håller betaltjänster i enlighet med 3 kap. 26 § att göra rättelse, om dess verksamhet med betaltjänster i Sverige inte </SPAN><SPAN class="ft81">drivs </SPAN><SPAN class="ft70">enligt gällande bestämmelser om åtgärder mot penningtvätt och finansiering av terrorism eller i enlighet med</SPAN></DIV>
<DIV id="tx2"><SPAN class="ft50">Europaparlamentets och rådets förordning </SPAN><SPAN class="ft76">(EU) 2015/847.</SPAN></DIV>
<DIV id="tx3"><SPAN class="ft41">Om </SPAN><SPAN class="ft5">ett utländskt företag som </SPAN><SPAN class="ft41">i Sverige </SPAN><SPAN class="ft5">tillhandahåller betaltjäns- ter från en filial eller genom ett ombud enligt 3 kap. 26 § </SPAN><SPAN class="ft41">inte driver denna verksamhet i enlighet med bestämmelserna i denna lag, ska Finansinspektionen så snart det kan ske underrätta den behöriga myndigheten i företagets hemland.</SPAN></DIV>
<DIV id="tx4"><SPAN class="ft3">Finansinspektionen får förelägga </SPAN><SPAN class="ft4">företaget </SPAN><SPAN class="ft3">att göra rättelse om dess verksamhet med betaltjänster i Sverige inte </SPAN><SPAN class="ft4">drivs </SPAN><SPAN class="ft3">i enlighet med 4 och </SPAN><NOBR><SPAN class="ft3">5</SPAN><SPAN class="ft4">–5</SPAN></NOBR><SPAN class="ft4"> b </SPAN><SPAN class="ft3">kap.</SPAN></DIV>
<DIV id="tx5"><SPAN class="ft70">Om en behörig myndighet i ett annat land har underrättat Finans- inspektionen om att ett betalnings- institut överträtt föreskrifter i det landet, ska inspektionen vidta de åtgärder som anges i </SPAN><NOBR><SPAN class="ft70">8–11</SPAN></NOBR><SPAN class="ft70"> §§ mot institutet, om det föreligger någon omständighet som anges där.</SPAN></DIV>
<DIV id="tx6"><SPAN class="ft4">Finansinspektionen </SPAN><SPAN class="ft3">ska </SPAN><SPAN class="ft4">så snart det kan ske </SPAN><SPAN class="ft3">underrätta den be- höriga myndigheten </SPAN><SPAN class="ft4">i det andra landet och de behöriga myndig- heterna i övriga berörda länder inom EES </SPAN><SPAN class="ft3">om vilka åtgärder som vidtas.</SPAN></DIV>
<TABLE cellpadding=0 cellspacing=0 class="t48">
<TR>
<TD class="tr1 td177"><P class="p3 ft4">rerad</P></TD>
<TD class="tr1 td108"><P class="p3 ft4">betaltjänstleverantör</P></TD>
<TD class="tr1 td154"><P class="p356 ft41">inte</P></TD>
<TD class="tr1 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td177"><P class="p3 ft4">längre</P></TD>
<TD class="tr15 td108"><P class="p41 ft4">uppfyller villkoren</P></TD>
<TD class="tr15 td154"><P class="p356 ft4">för</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td197"><P class="p3 ft4">registrering enligt 2 kap. 3 §.</P></TD>
<TD class="tr28 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td115"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p357 ft3">13 § Om en behörig myndighet i ett</P>
<P class="p358 ft5">annat land har underrättat Finans- inspektionen om att ett betalnings- institut överträtt föreskrifter i det landet, ska inspektionen vidta de åtgärder som anges i <NOBR>8–11</NOBR> §§ mot institutet, om det föreligger någon omständighet som anges där. <SPAN class="ft41">Inspektionen </SPAN>ska underrätta den behöriga myndigheten om vilka åtgärder som vidtas.</P>
<P class="p359 ft3">21 §<SPAN class="ft43">17 </SPAN>Finansinspektionen får förelägga</P>
<P class="p360 ft40">ett utländskt företag som tillhanda- håller betaltjänster i enlighet med 3 kap. 26 <SPAN class="ft39">eller 27 </SPAN>§ att göra rättel- se, om dess verksamhet med betal- tjänster i Sverige inte <SPAN class="ft39">bedrivs </SPAN>enligt gällande bestämmelser om åtgär- der mot penningtvätt och finansie- ring av terrorism eller i enlighet med förordning (EU) 2015/847.</P>
<P class="p361 ft41">Finansinspektionen får före- lägga <SPAN class="ft5">ett utländskt företag som tillhandahåller betaltjänster från en filial eller genom ett ombud enligt 3 kap. 26 § att göra rättelse om dess verksamhet med betaltjänster i Sverige inte </SPAN>bedrivs <SPAN class="ft5">i enlighet med 4 och 5 kap.</SPAN></P>
<P class="p362 ft7"><SPAN class="ft44">17 </SPAN>Senaste lydelse 2017:652.</P>
<P class="p14 ft3">73</P>
</DIV>
<DIV id="page_74">
<DIV id="tx1"><SPAN class="ft4">23 e §</SPAN></DIV>
<DIV id="tx2"><SPAN class="ft41">Om en behörig myndighet i ett annat land har underrättat Finans- inspektionen om att en registrerad betaltjänstleverantör som till- handahåller kontoinformations- tjänster överträtt föreskrifter i det landet, ska inspektionen vidta de åtgärder som anges i 23 § mot betaltjänstleverantören, om det före- ligger någon omständighet som anges där. Finansinspektionen ska så snart det kan ske underrätta den behöriga myndigheten i det andra landet och de behöriga myndig- heterna i övriga berörda länder inom EES om vilka åtgärder som vidtas.</SPAN></DIV>
<DIV id="tx3"><SPAN class="ft6">Om ett utländskt företag som driver verksamhet enligt 3 kap. 26 § har fått sitt verksamhets- tillstånd indraget i hemlandet, ska Finansinspektionen genast för- bjuda företaget att påbörja nya betalningstransaktioner här i landet.</SPAN></DIV>
<P class="p161 ft3">Prop. 2017/18:77 Om ett företag inte följer ett föreläggande enligt första eller andra stycket ska Finansinspektionen underrätta den behöriga myndigheten i företagets hemland.</P>
<P class="p163 ft3">Om rättelse inte sker, får Finansinspektionen förbjuda företaget att påbörja nya betalningstransaktioner här i landet. Innan förbud meddelas ska inspektionen underrätta den behöriga myndigheten i företagets hem- land. I brådskande fall får inspektionen meddela förbud utan föregående underrättelse till myndigheten i företagets hemland. Denna ska dock underrättas så snart det kan ske.</P>
<P class="p363 ft3">22 § Om ett utländskt företag som</P>
<P class="p364 ft40">driver verksamhet enligt 3 kap. 26 <SPAN class="ft39">eller 27 </SPAN>§ har fått sitt verksamhets- tillstånd indraget i hemlandet, ska Finansinspektionen genast för- bjuda företaget att påbörja nya betalningstransaktioner här i landet.</P>
<P class="p365 ft3">27 §</P>
<P class="p69 ft3">Regeringen eller den myndighet som regeringen bestämmer får med-</P>
<TABLE cellpadding=0 cellspacing=0 class="t49">
<TR>
<TD class="tr20 td60"><P class="p3 ft3">dela föreskrifter om</P></TD>
<TD class="tr20 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p31 ft6">1. vilka upplysningar ett <SPAN class="ft4">betal-</SPAN></P></TD>
<TD class="tr16 td72"><P class="p17 ft6">1. vilka upplysningar ett <SPAN class="ft4">företag</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft4">ningsinstitut, en registrerad betal-</P></TD>
<TD class="tr15 td72"><P class="p17 ft5">ska lämna till Finansinspektionen</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft4">tjänstleverantör eller den eller de</P></TD>
<TD class="tr16 td72"><P class="p17 ft4">enligt 2 § första stycket och när</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft4">som har ansvar för ett betalnings-</P></TD>
<TD class="tr16 td72"><P class="p366 ft41">upplysningarna ska lämnas<SPAN class="ft5">, och</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3"><SPAN class="ft4">system </SPAN>ska lämna till Finans-</P></TD>
<TD class="tr15 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft4"><SPAN class="ft6">inspektionen </SPAN>för dess tillsyns-</P></TD>
<TD class="tr16 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft4">verksamhet<SPAN class="ft6">, och</SPAN></P></TD>
<TD class="tr16 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p31 ft5">2. sådana avgifter som avses i 7 §<SPAN class="ft41">.</SPAN></P></TD>
<TD class="tr16 td72"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p15 ft3">74</P>
</DIV>
<DIV id="page_75">
<DIV id="dimg1">
<INGENBILD zsrc="H5037775x1.jpg/" id="img1">
</DIV>
<P class="p367 ft3">Prop. 2017/18:77</P>
<P class="p368 ft3">1. Denna lag träder i kraft den dag som regeringen bestämmer i fråga om 5 kap. 10, 13, 17, 19 och 25 §§ och 5 b kap. 4 § och i övrigt den 1 maj 2018.</P>
<P class="p12 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">Genom lagen upphävs lagen (2010:738) om obehöriga transaktioner med betalningsinstrument. I fråga om avtal som ingåtts före ikraft- trädandet av denna lag gäller den upphävda lagen.</SPAN></P>
<P class="p57 ft5"><SPAN class="ft5">3.</SPAN><SPAN class="ft55">Den som vid ikraftträdandet av denna lag har tillstånd att driva verksamhet som betalningsinstitut får fortsätta verksamheten till och med den 1 november 2018. För att fortsätta verksamheten efter det datumet krävs ett nytt tillstånd. Om en ansökan om tillstånd har getts in till Finansinspektionen före den 1 november 2018, får den berörda personen dock fortsätta med verksamheten till dess att ansökan har prövats slutligt. Om Finansinspektionen bedömer att förutsättningarna för tillstånd är uppfyllda ska Finansinspektionen meddela tillstånd oavsett om någon ansökan om det gjorts eller inte. Finansinspektionen ska informera den berörda personen innan tillstånd meddelas.</SPAN></P>
<P class="p174 ft64"><SPAN class="ft7">4.</SPAN><SPAN class="ft96">Den som vid ikraftträdandet av denna lag är beviljad ett undantag enligt 2 kap. 3 § får fortsätta verksamheten till och med den 1 maj 2019. För att fortsätta verksamheten efter det datumet krävs ett nytt undantag eller tillstånd. Om en ansökan om tillstånd eller undantag från tillståndsplikt har getts in till Finansinspektionen före den 1 maj 2019, får den berörda personen dock fortsätta med verksamheten till dess att ansökan har prövats slutligt. Om Finansinspektionen bedömer att förutsättningarna för att bevilja undantag är uppfyllda, ska inspektionen bevilja undantag oavsett om någon ansökan om det gjorts eller inte. Finansinspektionen ska informera den berörda personen innan undantag beviljas.</SPAN></P>
<P class="p369 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft33">Den som vid ikraftträdandet av denna lag har tillstånd att som betalningsinstitut tillhandahålla betaltjänster som avses i 1 kap. 2 § 6 i den äldre lydelsen får fortsätta verksamheten till och med den 1 maj 2020. För att fortsätta verksamheten efter det datumet krävs ett nytt tillstånd. Om en ansökan om tillstånd har getts in till Finansinspektionen före den 1 maj 2020, får den berörda personen dock fortsätta med verksamheten till dess att ansökan har prövats slutligt. Om Finansinspektionen finner att den berörda personen uppfyller kraven i 3 kap. </SPAN><NOBR>1–3</NOBR> §§, ska inspek- tionen meddela tillstånd att tillhandahålla sådana betaltjänster som avses i 1 kap. 2 § 3 i den nya lydelsen oavsett om någon ansökan om tillstånd gjorts eller inte.</P>
<P class="p370 ft5"><SPAN class="ft5">6.</SPAN><SPAN class="ft55">Den som vid ikraftträdandet av denna lag driver verksamhet som leverantör av betalningsinitieringstjänster eller kontoinformationstjänster får fortsätta med verksamheten till och med den 1 november 2018. För att fortsätta verksamheten efter det datumet krävs tillstånd eller undantag från tillståndsplikt. Om en ansökan om tillstånd eller undantag från till- ståndsplikt har getts in till Finansinspektionen före den 1 november 2018, får den berörda personen dock fortsätta med verksamheten till dess att ansökan har prövats slutligt.</SPAN></P>
<P class="p371 ft3"><SPAN class="ft5">7.</SPAN><SPAN class="ft48">Den som vid ikraftträdandet av denna lag driver uppräkningsverk-</SPAN></P>
<P class="p372 ft40">samhet får fortsätta med verksamheten till och med den 1 novem- ber 2018. För att fortsätta verksamheten efter det datumet krävs tillstånd</P>
<P class="p373 ft3">75</P>
</DIV>
<DIV id="page_76">
<P class="p161 ft3">Prop. 2017/18:77 eller undantag från tillståndsplikt. Om en ansökan om tillstånd eller undantag från tillståndsplikt har getts in till Finansinspektionen före den 1 november 2018, får den berörda personen dock fortsätta med verksam- heten till dess att ansökan har prövats slutligt.</P>
<P class="p162 ft6"><SPAN class="ft5">8.</SPAN><SPAN class="ft33">En kontoförvaltande betaltjänstleverantör som den dag då 5 kap. 10, 13, 17, 19 och 25 §§ och 5 b kap. 4 § träder i kraft ännu inte uppfyller de tekniska standarderna för stark kundautentisering och gemensamma och säkra öppna kommunikationsstandarder som avses i artikel 98 i betal- tjänstdirektivet får inte missbruka det förhållandet för att blockera eller förhindra användningen av betalningsinitierings- eller kontoinforma- tionstjänster.</SPAN></P>
<P class="p374 ft40"><SPAN class="ft5">9.</SPAN><SPAN class="ft73">Sådana ändringar i ramavtal som syftar till att införa villkor i enlighet med de krav som följer av de nya bestämmelserna ska, oavsett vad som stadgas i avtalet, kunna genomföras genom att betaltjänst- leverantören meddelar betaltjänstanvändaren om ändringarna minst en månad före den dag då de föreslås börja tillämpas. Ändringar som gynnar betaltjänstanvändaren får genomföras utan att denne meddelas i förväg. Om betaltjänstanvändaren inte godkänner de föreslagna ändringarna ska användaren meddela leverantören detta före det datum då ändringen föreslås träda i kraft.</SPAN></P>
<P class="p375 ft3">76</P>
</DIV>
<DIV id="page_77">
<DIV id="dimg1">
<INGENBILD zsrc="H5037777x1.jpg/" id="img1">
</DIV>
<DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<P class="p376 ft37"><SPAN class="ft35">2.2</SPAN><SPAN class="ft36">Förslag till lag om ändring i lagen (1992:160) om utländska filialer m.m.</SPAN></P>
<P class="p377 ft3">Härigenom föreskrivs att 13 § lagen (1992:160) om utländska filialer m.m. ska ha följande lydelse.</P>
<TABLE cellpadding=0 cellspacing=0 class="t50">
<TR>
<TD class="tr24 td60"><P class="p3 ft4">Nuvarande lydelse</P></TD>
<TD class="tr24 td167"><P class="p3 ft41">Föreslagen lydelse</P></TD>
</TR>
</TABLE>
<P class="p378 ft3">13 §<SPAN class="ft43">1</SPAN></P>
<P class="p87 ft3">Verkställande direktören ska varje år till registreringsmyndigheten ge in en bestyrkt kopia av</P>
<P class="p82 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">filialens redovisningshandlingar och revisionsberättelse för det senaste räkenskapsåret,</SPAN></P>
<P class="p82 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">motsvarande handlingar för företaget i dess helhet, om de gjorts offentliga i företagets hemland.</SPAN></P>
<P class="p89 ft6">Första stycket 1 gäller inte, om företaget lyder under lagstiftningen i en stat inom Europeiska ekonomiska samarbetsområdet och</P>
<P class="p79 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">har en rättslig form som är jämförbar med aktiebolaget,</SPAN></P>
</DIV>
<DIV id="id_1_2">
<DIV id="id_1_2_1">
<P class="p145 ft6">2. är ett kreditinstitut<SPAN class="ft4">, betal- ningsinstitut </SPAN>eller värdepappers- bolag av motsvarande slag som de företag som omfattas av lagen (1995:1559) om årsredovisning i kreditinstitut och värdepappers- bolag,</P>
</DIV>
<DIV id="id_1_2_2">
<P class="p145 ft40">2. är ett kreditinstitut eller värde- pappersbolag av motsvarande slag som de företag som omfattas av lagen (1995:1559) om årsredovis- ning i kreditinstitut och värde- pappersbolag,</P>
</DIV>
</DIV>
<DIV id="id_1_3">
<P class="p82 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft48">är ett försäkringsföretag av motsvarande slag som de företag som omfattas av lagen (1995:1560) om årsredovisning i försäkringsföretag, eller</SPAN></P>
<P class="p79 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft51">är ett europakooperativ.</SPAN></P>
<P class="p89 ft5">Handlingar som avses i första stycket ska ges in inom tre månader efter det att det utländska företagets redovisningshandlingar och revisions- berättelse lades fram för företagets delägare, dock senast sju månader från det att filialens räkenskapsår gick ut. Handlingarna ska vara upp- rättade på eller översatta till svenska.</P>
<P class="p117 ft3">Med en bestyrkt kopia jämställs vid tillämpningen av denna lag ett elektroniskt original.</P>
<P class="p379 ft3">Denna lag träder i kraft den 1 maj 2018.</P>
<P class="p380 ft7"><SPAN class="ft44">1 </SPAN>Senaste lydelse 2010:755.</P>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">77</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_78">
<TABLE cellpadding=0 cellspacing=0 class="t51">
<TR>
<TD class="tr33 td24"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr33 td135"><P class="p36 ft35">2.3</P></TD>
<TD colspan=2 class="tr33 td5"><P class="p381 ft97">Förslag till lag om ändring i bokföringslagen</P></TD>
</TR>
<TR>
<TD class="tr1 td24"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td222"><P class="p381 ft97">(1999:1078)</P></TD>
<TD class="tr1 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr1 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr1 td243"><P class="p48 ft5">Härigenom föreskrivs att 6 kap. 3 a § och 8 kap. 2 § bokföringslagen</P></TD>
</TR>
<TR>
<TD class="tr20 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td212"><P class="p36 ft5">(1999:1078) ska ha följande lydelse.</P></TD>
<TD class="tr20 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr27 td212"><P class="p36 ft4">Nuvarande lydelse</P></TD>
<TD class="tr27 td72"><P class="p3 ft4">Föreslagen lydelse</P></TD>
</TR>
</TABLE>
<P class="p382 ft42">6 kap.</P>
<P class="p383 ft3">3 a §<SPAN class="ft43">1</SPAN></P>
<P class="p99 ft6">Skyldigheten enligt 1 § att upprätta en årsredovisning gäller inte för en filial, om det utländska företaget lyder under lagstiftningen i en stat inom Europeiska ekonomiska samarbetsområdet och</P>
<P class="p96 ft3">1. har en rättslig form som är jämförbar med aktiebolaget,</P>
<TABLE cellpadding=0 cellspacing=0 class="t38">
<TR>
<TD class="tr20 td18"><P class="p31 ft3">2. är ett</P></TD>
<TD colspan=2 class="tr20 td201"><P class="p21 ft3">kreditinstitut<SPAN class="ft4">, betal-</SPAN></P></TD>
<TD class="tr20 td72"><P class="p17 ft3">2. är ett kreditinstitut eller värde-</P></TD>
</TR>
<TR>
<TD class="tr16 td18"><P class="p3 ft4">ningsinstitut</P></TD>
<TD class="tr16 td177"><P class="p135 ft7">eller</P></TD>
<TD class="tr16 td115"><P class="p21 ft7">värdepappers-</P></TD>
<TD class="tr16 td72"><P class="p17 ft7">pappersbolag av motsvarande slag</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">bolag av motsvarande slag som de</P></TD>
<TD class="tr16 td72"><P class="p17 ft6">som de företag som omfattas av</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft3">företag som omfattas av lagen</P></TD>
<TD class="tr15 td72"><P class="p17 ft3">lagen (1995:1559) om årsredo-</P></TD>
</TR>
<TR>
<TD class="tr16 td18"><P class="p3 ft6">(1995:1559)</P></TD>
<TD colspan=2 class="tr16 td201"><P class="p21 ft6">om årsredovisning i</P></TD>
<TD class="tr16 td72"><P class="p17 ft6">visning i kreditinstitut och värde-</P></TD>
</TR>
<TR>
<TD class="tr16 td18"><P class="p3 ft6">kreditinstitut</P></TD>
<TD class="tr16 td177"><P class="p134 ft5">och</P></TD>
<TD class="tr16 td115"><P class="p21 ft7">värdepappers-</P></TD>
<TD class="tr16 td72"><P class="p384 ft7">pappersbolag,</P></TD>
</TR>
<TR>
<TD class="tr16 td18"><P class="p3 ft6">bolag,</P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td115"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p51 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft33">är ett försäkringsföretag av motsvarande slag som de företag som omfattas av lagen (1995:1560) om årsredovisning i försäkringsföretag, eller</SPAN></P>
<P class="p50 ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft32">är ett europakooperativ.</SPAN></P>
<P class="p385 ft5">Om filialen till följd av första stycket inte upprättar någon årsredovis- ning, ska den i stället upprätta ett årsbokslut. För årsbokslutet tillämpas</P>
<P class="p51 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">i en filial till ett företag som avses i första stycket 1 eller 4 och som inte är ett sådant företag som avses i samma stycke 2 eller 3, bestäm- melserna i 4, 5, 7 och 8 §§,</SPAN></P>
<P class="p51 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">i en filial till ett företag som avses i första stycket 2, bestämmelserna i 2 kap. 2 § och </SPAN><NOBR>3–5</NOBR> kap. lagen om årsredovisning i kreditinstitut och värdepappersbolag, med undantag för hänvisningen till 3 kap. 5 § årsredovisningslagen (1995:1554), och</P>
<P class="p386 ft40"><SPAN class="ft5">3.</SPAN><SPAN class="ft73">i en filial till ett företag som avses i första stycket 3, bestämmelserna i 2 kap. 2 § och </SPAN><NOBR>3–5</NOBR> kap. lagen om årsredovisning i försäkringsföretag, med undantag för hänvisningen till 3 kap. 5 § årsredovisningslagen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t52">
<TR>
<TD class="tr22 td113"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td272"><P class="p387 ft78">8 kap.</P></TD>
<TD class="tr22 td208"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td113"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td272"><P class="p345 ft6">2 §<SPAN class="ft43">2</SPAN></P></TD>
<TD class="tr16 td208"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td93"><P class="p17 ft5">Regeringen eller den myndighet som regeringen bestämmer får med-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td144"><P class="p3 ft6">dela föreskrifter om bokföringsskyldighetens fullgörande</P></TD>
<TD class="tr16 td208"><P class="p17 ft5">enligt 4 kap.</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td93"><P class="p17 ft3">7 § och om utformning av och innehåll i den redovisning som enligt</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td144"><P class="p3 ft6">6 kap. 3 a § ska lämnas för verksamhet i en filial till</P></TD>
<TD class="tr16 td208"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td113"><P class="p31 ft6">1. ett utländskt</P></TD>
<TD class="tr16 td112"><P class="p21 ft6">kreditinstitut<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr16 td143"><P class="p31 ft6">1. ett utländskt</P></TD>
<TD class="tr16 td208"><P class="p27 ft5">kreditinstitut</P></TD>
</TR>
<TR>
<TD class="tr20 td113"><P class="p3 ft4">betalningsinstitut</P></TD>
<TD class="tr20 td112"><P class="p21 ft3">eller värdepap-</P></TD>
<TD colspan=2 class="tr20 td72"><P class="p27 ft3">eller värdepappersbolag av mot-</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t53">
<TR>
<TD class="tr28 td169"><P class="p27 ft98">1</P></TD>
<TD class="tr28 td28"><P class="p1 ft82">Senaste lydelse 2017:437.</P></TD>
</TR>
<TR>
<TD class="tr30 td169"><P class="p27 ft98">2</P></TD>
<TD class="tr30 td28"><P class="p1 ft82">Senaste lydelse 2017:437.</P></TD>
</TR>
<TR>
<TD class="tr28 td169"><P class="p388 ft7">78</P></TD>
<TD class="tr28 td28"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_79">
<DIV id="dimg1">
<INGENBILD zsrc="H5037779x1.jpg/" id="img1">
</DIV>
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr19 td60"><P class="p3 ft3">persbolag av motsvarande slag</P></TD>
<TD class="tr19 td61"><P class="p3 ft7">svarande slag som de företag som</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">som de företag som omfattas av</P></TD>
<TD class="tr15 td61"><P class="p3 ft5">omfattas av lagen (1995:1559) om</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">lagen (1995:1559) om årsredovis-</P></TD>
<TD class="tr16 td61"><P class="p3 ft5">årsredovisning i kreditinstitut och</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">ning i kreditinstitut och värdepap-</P></TD>
<TD class="tr16 td61"><P class="p3 ft6">värdepappersbolag, och</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">persbolag, och</P></TD>
<TD class="tr16 td61"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p82 ft6">2. ett utländskt försäkringsföretag av motsvarande slag som de företag som omfattas av lagen (1995:1560) om årsredovisning i försäkrings- företag.</P>
<P class="p82 ft76">Rätten att meddela föreskrifter gäller även sådan verksamhet som avses i 4 kap. 8 § och 6 kap. 3 b §.</P>
<P class="p389 ft3">Denna lag träder i kraft den 1 maj 2018.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">79</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_80">
<DIV id="dimg1">
<INGENBILD zsrc="H5037780x1.jpg/" id="img1">
</DIV>
<TABLE cellpadding=0 cellspacing=0 class="t37">
<TR>
<TD class="tr33 td24"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr33 td158"><P class="p36 ft97">2.4</P></TD>
<TD class="tr33 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr33 td273"><P class="p21 ft35">Förslag till lag om ändring i lagen (2006:595)</P></TD>
</TR>
<TR>
<TD class="tr1 td24"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr1 td273"><P class="p229 ft35">om europakooperativ</P></TD>
</TR>
<TR>
<TD class="tr1 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr1 td243"><P class="p17 ft3">Härigenom föreskrivs att 31 § lagen (2006:595) om europakooperativ</P></TD>
</TR>
<TR>
<TD class="tr20 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td30"><P class="p36 ft3">ska ha följande lydelse.</P></TD>
<TD class="tr20 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td274"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr27 td30"><P class="p36 ft4">Nuvarande lydelse</P></TD>
<TD class="tr27 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td274"><P class="p146 ft4">Föreslagen lydelse</P></TD>
</TR>
<TR>
<TD class="tr31 td24"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td137"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr31 td36"><P class="p390 ft3">31 §<SPAN class="ft43">1</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td243"><P class="p17 ft6">Ett europakooperativ ska upprätta årsredovisning och, i förekommande</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td243"><P class="p36 ft5">fall, koncernredovisning i enlighet med de bestämmelser i årsredovis-</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td243"><P class="p36 ft5">ningslagen (1995:1554) som är tillämpliga på ekonomiska föreningar.</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td243"><P class="p36 ft5">När det gäller europakooperativ som driver försäkringsrörelse tillämpas</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td158"><P class="p36 ft5">i stället</P></TD>
<TD class="tr16 td13"><P class="p74 ft6">de</P></TD>
<TD class="tr16 td137"><P class="p93 ft5">bestämmelser</P></TD>
<TD class="tr16 td80"><P class="p307 ft6">i lagen</P></TD>
<TD class="tr16 td274"><P class="p17 ft6">(1995:1560) om årsredovisning i</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td243"><P class="p36 ft3">försäkringsföretag som är tillämpliga på försäkringsföreningar.</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td275"><P class="p242 ft6">När det gäller europakooperativ</P></TD>
<TD class="tr16 td274"><P class="p17 ft6">När det gäller europakooperativ</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td275"><P class="p36 ft6">som ger ut elektroniska pengar<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr16 td274"><P class="p17 ft7">som ger ut elektroniska pengar <SPAN class="ft72">eller</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td158"><P class="p36 ft3">driver</P></TD>
<TD colspan=2 class="tr15 td121"><P class="p75 ft7">finansieringsrörelse</P></TD>
<TD class="tr15 td80"><P class="p242 ft4">eller</P></TD>
<TD class="tr15 td274"><P class="p17 ft7">driver finansieringsrörelse tillämpas</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td30"><P class="p36 ft41">tillhandahåller betaltjänster</P></TD>
<TD class="tr16 td80"><P class="p28 ft6">tilläm-</P></TD>
<TD class="tr16 td274"><P class="p17 ft5">12 kap. 28 § lagen (2004:297) om</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td275"><P class="p36 ft6">pas 12 kap. 28 § lagen (2004:297)</P></TD>
<TD class="tr16 td274"><P class="p17 ft7">bank- och finansieringsrörelse resp-</P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td275"><P class="p36 ft3">om bank- och finansieringsrörelse,</P></TD>
<TD class="tr15 td274"><P class="p17 ft5">ektive 3 kap. 10 § lagen (2011:755)</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td158"><P class="p36 ft4">3 kap.</P></TD>
<TD class="tr16 td13"><P class="p17 ft4">9 §</P></TD>
<TD class="tr16 td137"><P class="p90 ft4">andra stycket</P></TD>
<TD class="tr16 td80"><P class="p242 ft4">lagen</P></TD>
<TD class="tr16 td274"><P class="p17 ft5">om elektroniska pengar i stället för</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td275"><P class="p36 ft4">(2010:751) om betaltjänster <SPAN class="ft6">respek-</SPAN></P></TD>
<TD class="tr16 td274"><P class="p146 ft6">första stycket.</P></TD>
</TR>
<TR>
<TD class="tr16 td24"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td18"><P class="p36 ft6">tive 3 kap.</P></TD>
<TD colspan=2 class="tr16 td97"><P class="p242 ft6">10 § lagen (2011:755)</P></TD>
<TD class="tr16 td274"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td275"><P class="p36 ft3">om elektroniska pengar i stället för</P></TD>
<TD class="tr15 td274"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td24"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td30"><P class="p36 ft3">första stycket.</P></TD>
<TD class="tr20 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td274"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p391 ft3">Denna lag träder i kraft den 1 maj 2018.</P>
<P class="p392 ft7"><SPAN class="ft44">1 </SPAN>Senaste lydelse 2011:771.</P>
<P class="p102 ft3">80</P>
</DIV>
<DIV id="page_81">
<DIV id="id_1">
<DIV id="id_1_1">
<P class="p393 ft100"><SPAN class="ft35">2.5</SPAN><SPAN class="ft99">Förslag till lag om ändring i marknadsföringslagen (2008:486)</SPAN></P>
</DIV>
<DIV id="id_1_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p12 ft3">Härigenom föreskrivs att 1 § marknadsföringslagen (2008:486) ska ha följande lydelse.</P>
<TABLE cellpadding=0 cellspacing=0 class="t54">
<TR>
<TD class="tr24 td60"><P class="p3 ft4">Nuvarande lydelse</P></TD>
<TD class="tr24 td167"><P class="p3 ft41">Föreslagen lydelse</P></TD>
</TR>
</TABLE>
<P class="p394 ft3">1 §<SPAN class="ft43">1</SPAN></P>
<P class="p57 ft40">Denna lag har till syfte att främja konsumenternas och näringslivets intressen i samband med marknadsföring av produkter och att motverka marknadsföring som är otillbörlig mot konsumenter och näringsidkare.</P>
<P class="p13 ft6">Bestämmelser om marknadsföring finns bl.a. i</P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagen (1992:1672) om paketresor,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">tobakslagen (1993:581),</SPAN></P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lotterilagen (1994:1000),</SPAN></P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">sjölagen (1994:1009),</SPAN></P>
<P class="p395 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">lagen (1995:1571) om insättningsgaranti,</SPAN></P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagen (1996:1006) om valutaväxling och annan finansiell verksam-</SPAN></P>
<P class="p396 ft6">het,</P>
<P class="p395 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">lagen (1996:1118) om marknadsföring av kristallglas,</SPAN></P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagen (1999:158) om investerarskydd,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagen (2002:562) om elektronisk handel och andra informationssam- hällets tjänster,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">lagen (2004:46) om värdepappersfonder,</SPAN></P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagen (2004:299) om inlåningsverksamhet,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">prisinformationslagen (2004:347),</SPAN></P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagen (2005:59) om distansavtal och avtal utanför affärslokaler,</SPAN></P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">försäkringsavtalslagen (2005:104),</SPAN></P>
<P class="p395 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">lagen (2005:405) om försäkringsförmedling,</SPAN></P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagen (2006:484) om franchisegivares informationsskyldighet,</SPAN></P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagen (2007:528) om värdepappersmarknaden,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">lagen (2010:510) om lufttransporter,</SPAN></P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">radio- och </SPAN><NOBR>tv-lagen</NOBR> (2010:696),</P>
<P class="p397 ft4"><SPAN class="ft4">–</SPAN><SPAN class="ft53">lagen (2010:751) om betal- tjänster,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">alkohollagen (2010:1622),</SPAN></P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">konsumentkreditlagen (2010:1846),</SPAN></P>
<P class="p12 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagen (2011:914) om konsumentskydd vid avtal om tidsdelat boende eller långfristig semesterprodukt,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">lagen (2013:561) om förvaltare av alternativa investeringsfonder,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagen (2013:1054) om marknadsföring av modersmjölksersättning och tillskottsnäring,</SPAN></P>
<P class="p12 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">lagen (2014:1344) med kompletterande bestämmelser till EU:s </SPAN><NOBR>tåg-,</NOBR> fartygs- och busspassagerarförordningar,</P>
<P class="p395 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagen (2015:671) om alternativ tvistlösning i konsumentförhållanden,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">lagen (2015:953) om kollektivtrafikresenärers rättigheter,</SPAN></P>
<P class="p59 ft7"><SPAN class="ft44">1 </SPAN>Senaste lydelse 2017:1309.</P>
<P class="p14 ft3">81</P>
</DIV>
</DIV>
<DIV id="page_82">
<DIV id="dimg1">
<INGENBILD zsrc="H5037782x1.jpg/" id="img1">
</DIV>
<P class="p398 ft3">Prop. 2017/18:77 – lagen (2016:415) om förmedlingsavgifter för kortbaserade betal- ningstransaktioner,</P>
<P class="p399 ft3"><SPAN class="ft7">–</SPAN><SPAN class="ft48">lagen (2016:915) om krav på installationer för alternativa drivmedel,</SPAN></P>
<P class="p400 ft3">och</P>
<P class="p162 ft3"><SPAN class="ft7">–</SPAN><SPAN class="ft32">lagen (2017:425) om elektroniska cigaretter och påfyllningsbehål- lare.</SPAN></P>
<P class="p401 ft3">Denna lag träder i kraft den 1 maj 2018.</P>
<P class="p402 ft3">82</P>
</DIV>
<DIV id="page_83">
<DIV id="id_1">
<DIV id="id_1_1">
<P class="p403 ft37"><SPAN class="ft35">2.6</SPAN><SPAN class="ft36">Förslag till lag om ändring i lagen (2011:755) om elektroniska pengar</SPAN></P>
</DIV>
<DIV id="id_1_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p404 ft3">Härigenom föreskrivs<SPAN class="ft43">1 </SPAN>i fråga om lagen (2011:755) om elektroniska pengar</P>
<P class="p405 ft6"><SPAN class="ft4">dels </SPAN>att 2 kap. 2 §, 3 kap. 6, <NOBR>18–22,</NOBR> <NOBR>25–27</NOBR> och 29 §§ och 5 kap. <NOBR>2–5,</NOBR> 13, 21, 22 och 27 §§ ska ha följande lydelse,</P>
<P class="p406 ft3"><SPAN class="ft4">dels </SPAN>att det ska införas tre nya paragrafer, 3 kap. 19 a och 29 a §§ och 5 kap. 4 a §, av följande lydelse.</P>
<TABLE cellpadding=0 cellspacing=0 class="t55">
<TR>
<TD class="tr2 td60"><P class="p3 ft4">Nuvarande lydelse</P></TD>
<TD class="tr2 td167"><P class="p3 ft41">Föreslagen lydelse</P></TD>
</TR>
</TABLE>
<P class="p407 ft42"><SPAN class="ft42">2</SPAN><SPAN class="ft71">kap.</SPAN></P>
<P class="p234 ft3">2 §</P>
<P class="p103 ft3">Tillstånd att ge ut elektroniska pengar behövs inte för</P>
<P class="p408 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">banker och kreditmarknadsföretag enligt lagen (2004:297) om bank- och finansieringsrörelse,</SPAN></P>
<P class="p408 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">statliga och kommunala myndigheter, när de ägnar sig åt myndig- hetsutövning,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">sådana utländska fysiska och juridiska personer och myndigheter inom EES som motsvarar dem i 1 och 2,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft51">Europeiska centralbanken och nationella centralbanker i andra EES- länder, när de inte agerar i egenskap av monetär eller offentlig myndig- het,</SPAN></P>
<P class="p408 ft3"><SPAN class="ft5">5.</SPAN><SPAN class="ft48">postgiroinstitut inom EES som enligt nationell lagstiftning har rätt att ge ut elektroniska pengar, och</SPAN></P>
<P class="p79 ft3"><SPAN class="ft5">6.</SPAN><SPAN class="ft48">filialer till kreditinstitut från länder utanför EES.</SPAN></P>
</DIV>
<DIV id="id_3">
<DIV id="id_3_1">
<P class="p145 ft3">Särskilda bestämmelser om utländska företag finns i 3 kap. <NOBR>26<SPAN class="ft4">–</SPAN>28</NOBR> §§.</P>
</DIV>
<DIV id="id_3_2">
<P class="p145 ft3">Särskilda bestämmelser om utländska företag finns i 3 kap. 26 <SPAN class="ft4">och </SPAN>28 §§.</P>
</DIV>
</DIV>
<DIV id="id_4">
<P class="p409 ft42">3 kap.</P>
<P class="p410 ft3">6 §</P>
<P class="p408 ft3">Ett institut för elektroniska pengar eller en registrerad utgivare får i sin verksamhet med utgivning av elektroniska pengar eller tillhandahållande av betaltjänster inte</P>
<P class="p408 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">ta emot insättningar eller andra återbetalningspliktiga medel från allmänheten, eller</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">erbjuda andra konton än betalkonton som uteslutande används för betalningstransaktioner.</SPAN></P>
</DIV>
<DIV id="id_5">
<DIV id="id_5_1">
<P class="p145 ft40">Ett institut för elektroniska pengar och en registrerad utgivare får i sin verksamhet med betal- tjänster bevilja kredit för sådana</P>
</DIV>
<DIV id="id_5_2">
<P class="p145 ft40">Ett institut för elektroniska pengar och en registrerad utgivare får i sin verksamhet med betal- tjänster bevilja kredit för sådana</P>
</DIV>
</DIV>
<DIV id="id_6">
<P class="p411 ft82"><SPAN class="ft101">1 </SPAN>Jfr Europaparlamentet och rådet direktiv 2009/110/EG av den 16 september 2009 om rätten att starta och driva affärsverksamhet i institut för elektroniska pengar samt om tillsyn av sådan verksamhet, om ändring av direktiven 2005/60/EG och 2006/48/EG och om</P>
<P class="p54 ft45">upphävande av direktiv 2000/46/EG, i den ursprungliga lydelsen.</P>
<P class="p160 ft3">83</P>
</DIV>
</DIV>
<DIV id="page_84">
<DIV id="tx1"><SPAN class="ft3">1. ombudets namn och adress </SPAN><SPAN class="ft4">samt ombudets unika identifika- tionskod eller identifikationsnum- mer om sådana uppgifter finns</SPAN><SPAN class="ft3">,</SPAN></DIV>
<DIV id="tx2"><SPAN class="ft6">2. om ombudet är en juridisk person, </SPAN><SPAN class="ft4">dessutom </SPAN><SPAN class="ft6">namn, person- nummer eller motsvarande samt adress för </SPAN><SPAN class="ft4">var och en </SPAN><SPAN class="ft6">som ingår i ombudets styrelse eller är </SPAN><SPAN class="ft4">dess </SPAN><SPAN class="ft6">verkställande direktör,</SPAN></DIV>
<DIV id="tx3"><SPAN class="ft64">3. uppgifter som visar att de personer som avses i 2 är lämpliga för en sådan uppgift eller, om ombudet är en fysisk person, att han eller hon är lämplig att till- handahålla betaltjänster,</SPAN></DIV>
<DIV id="tx4"><SPAN class="ft64">4. ombudets interna regler för hur ombudet ska leva upp till de krav som anges i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism</SPAN><SPAN class="ft63">, och</SPAN></DIV>
<DIV id="tx5"><SPAN class="ft5">Om ett institut för elektroniska pengar eller en registrerad utgivare vill tillhandahålla betaltjänster genom ombud</SPAN><SPAN class="ft41">, </SPAN><SPAN class="ft5">ska institutet eller utgivaren anmäla ombudet för registrering hos Finansinspek- tionen. </SPAN><SPAN class="ft41">En sådan anmälan behöver inte göras när det gäller konto- informationstjänster.</SPAN></DIV>
<TABLE cellpadding=0 cellspacing=0 class="t37">
<TR>
<TD class="tr19 td86"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td60"><P class="p3 ft3">betaltjänster som avses i 1 kap.</P></TD>
<TD class="tr19 td72"><P class="p3 ft3">betaltjänster som avses i 1 kap.</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td60"><P class="p3 ft3">2 § <NOBR><SPAN class="ft4">2–</SPAN>4</NOBR> och <SPAN class="ft4">6 </SPAN>lagen (2010:751) om</P></TD>
<TD class="tr15 td72"><P class="p3 ft3">2 § 4 och <SPAN class="ft4">5 </SPAN>lagen (2010:751) om</P></TD>
</TR>
<TR>
<TD class="tr21 td86"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td60"><P class="p3 ft23">betaltjänster om</P></TD>
<TD class="tr21 td72"><P class="p3 ft23">betaltjänster om</P></TD>
</TR>
</TABLE>
<P class="p99 ft6">1. krediten endast utnyttjas i samband med genomförande av en betalningstransaktion,</P>
<P class="p99 ft6">2. krediten inte beviljas ur medel som innehas för att genomföra en betalningstransaktion eller ur medel som tagits emot i utbyte mot elektroniska pengar, och</P>
<P class="p99 ft3">3. kredit som utnyttjas vid betalning med betalningsinstrument, som lämnats inom ramen för gränsöverskridande verksamhet inom EES, återbetalas inom 12 månader.</P>
<P class="p99 ft3">Institut för elektroniska pengar får bevilja kredit enligt andra stycket bara om institutets kapitalbas är tillfredsställande med hänsyn till det totala kreditbeloppet.</P>
<P class="p412 ft3">18 §<SPAN class="ft43">2 </SPAN>Om ett institut för elektroniska</P>
<P class="p256 ft3">pengar eller en registrerad utgivare vill tillhandahålla betaltjänster genom ombud<SPAN class="ft4">, </SPAN>ska institutet eller utgivaren anmäla ombudet för registrering hos Finansinspek- tionen.</P>
<P class="p413 ft3">Anmälan ska innehålla</P>
<P class="p414 ft3">1. ombudets namn och adress,</P>
<P class="p415 ft40">2. om ombudet är en juridisk person, namn, personnummer eller motsvarande samt adress för <SPAN class="ft39">dem </SPAN>som ingår i ombudets styrelse eller är verkställande direktör,</P>
<P class="p416 ft5">3. uppgifter som visar att de personer som avses i 2 är lämpliga för en sådan uppgift eller, om ombudet är en fysisk person, att han eller hon är lämplig att till- handahålla betaltjänster, <SPAN class="ft41">och</SPAN></P>
<P class="p417 ft40">4. ombudets interna regler för hur ombudet ska leva upp till de krav som anges i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism<SPAN class="ft39">.</SPAN></P>
<P class="p245 ft7"><SPAN class="ft44">2 </SPAN>Senaste lydelse 2017:655.</P>
<P class="p102 ft3">84</P>
</DIV>
<DIV id="page_85">
<DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<DIV id="id_1_1_1">
<P class="p145 ft5">Om anmälan uppfyller kraven i andra stycket ska Finansinspek- tionen registrera ombudet i det register som inspektionen för <SPAN class="ft41">med stöd av </SPAN>5 kap. 5 §. <SPAN class="ft41">Institut för elek- troniska pengar och registrerade utgivare ska försäkra sig om att ombud som agerar för deras räkning informerar betaltjänst- användarna om detta förhållande.</SPAN></P>
</DIV>
<DIV id="id_1_1_2">
<P class="p145 ft50">5. uppgifter om vilka betal- tjänster ombudet har i uppdrag att tillhandahålla.</P>
<P class="p145 ft4"><SPAN class="ft3">Om anmälan uppfyller kraven i andra stycket ska Finansinspek- tionen registrera ombudet i det register som inspektionen för </SPAN>enligt <SPAN class="ft3">5 kap. 5 §. </SPAN>Beslut i fråga om registrering ska fattas inom två månader från det att anmälan togs emot.</P>
<P class="p418 ft50">Ombudet får inte tillhandahålla betaltjänster innan registrering enligt tredje stycket har gjorts<SPAN class="ft76">.</SPAN></P>
<P class="p145 ft50">Institut för elektroniska pengar och registrerade utgivare ska försäkra sig om att ombud som agerar för deras räkning infor- merar betaltjänstanvändarna om detta förhållande. Detta gäller inte för kontoinformationstjänster.</P>
</DIV>
</DIV>
<DIV id="id_1_2">
<P class="p419 ft3">19 §</P>
<P class="p89 ft64">Om ett institut för elektroniska pengar vill distribuera elektroniska pengar, lösa in elektroniska pengar eller tillhandahålla betaltjänster genom ombud i ett annat land inom EES, ska institutet underrätta Finans-</P>
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD class="tr15 td60"><P class="p3 ft3">inspektionen om detta.</P></TD>
<TD class="tr15 td57"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p90 ft6">Underrättelsen ska innehålla</P></TD>
<TD class="tr16 td57"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p90 ft4"><SPAN class="ft6">1. </SPAN>en plan för den avsedda verk-</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p17 ft4"><SPAN class="ft6">1. </SPAN>uppgifter om institutets namn</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft4">samheten med uppgift om om-</P></TD>
<TD class="tr15 td57"><P class="p3 ft4">och adress<SPAN class="ft3">,</SPAN></P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft4">budets organisation och de</P></TD>
<TD class="tr16 td57"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft4">tjänster som ombudet avser att till-</P></TD>
<TD class="tr16 td57"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft4">handahålla, och</P></TD>
<TD class="tr15 td57"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p90 ft4"><SPAN class="ft6">2. </SPAN>uppgifter om ombudets namn</P></TD>
<TD class="tr16 td57"><P class="p90 ft4"><SPAN class="ft6">2. </SPAN>uppgift</P></TD>
<TD class="tr16 td14"><P class="p3 ft4">om i</P></TD>
<TD class="tr16 td23"><P class="p146 ft4">vilket</P></TD>
<TD class="tr16 td164"><P class="p17 ft4">land</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft4">och adress samt dess ansvariga</P></TD>
<TD colspan=3 class="tr16 td276"><P class="p3 ft41">verksamheten ska drivas, och</P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft4">ledning.</P></TD>
<TD colspan=4 rowspan=2 class="tr31 td61"><P class="p17 ft4">3. de uppgifter som anges i 18 §</P></TD>
</TR>
<TR>
<TD class="tr30 td60"><P class="p3 ft47"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td57"><P class="p3 ft41">andra stycket.</P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td61"><P class="p17 ft4">Institutet ska underrätta Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td61"><P class="p17 ft4">inspektionen om vilken dag verk-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td61"><P class="p17 ft4">samheten genom ombudet påbör-</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr20 td86"><P class="p3 ft4">jas i det andra landet.</P></TD>
<TD class="tr20 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td57"><P class="p3 ft4">19 a §</P></TD>
<TD class="tr29 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td61"><P class="p17 ft4">Inom en månad från det att en</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td57"><P class="p3 ft4">underrättelse</P></TD>
<TD class="tr16 td14"><P class="p74 ft4">enligt</P></TD>
<TD class="tr16 td23"><P class="p72 ft4">19 §</P></TD>
<TD class="tr16 td164"><P class="p17 ft4">första</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td61"><P class="p17 ft4">eller tredje stycket togs emot ska</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td61"><P class="p17 ft4">Finansinspektionen lämna över</P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr28 td61"><P class="p17 ft4">den till den behöriga myndigheten</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">85</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_86">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td86"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr1 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr1 td72"><P class="p3 ft4">i det land där ombudet ska verka.</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft4">Finansinspektionen ska inom tre</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">månader från det att en under-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft4">rättelse</P></TD>
<TD class="tr16 td164"><P class="p1 ft41">enligt</P></TD>
<TD class="tr16 td164"><P class="p41 ft4">19 §</P></TD>
<TD class="tr16 td230"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td142"><P class="p181 ft41">första</P></TD>
<TD class="tr16 td135"><P class="p17 ft41">stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft41">togs emot underrätta den behöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">myndigheten i det andra landet</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">och institutet om sitt beslut i fråga</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td121"><P class="p3 ft4">om registrering.</P></TD>
<TD colspan=2 class="tr15 td92"><P class="p146 ft4">Om</P></TD>
<TD colspan=2 class="tr15 td58"><P class="p17 ft4">Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td62"><P class="p3 ft4">inspektionen</P></TD>
<TD class="tr16 td164"><P class="p3 ft4">och</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p3 ft4">den</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p17 ft41">behöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">myndigheten i det andra landet</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft4">inte har samma uppfattning i</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">frågan om registrering, ska under-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft41">rättelsen även innehålla skälen för</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft4">beslutet.</P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td96"><P class="p31 ft41">Finansinspektionen</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p181 ft4">ska</P></TD>
<TD class="tr16 td135"><P class="p17 ft4">vägra</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">att registrera ett ombud eller åter-</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft41">kalla en utförd registrering, om det</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft41">inte är lämpligt att institutet anlitar</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">ombudet. Finansinspektionen ska</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft4">vid denna bedömning beakta den</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft41">information som inspektionen tagit</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">emot från den behöriga myndig-</P></TD>
</TR>
<TR>
<TD class="tr20 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr20 td147"><P class="p3 ft4">heten i det andra landet.</P></TD>
<TD class="tr20 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td73"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr29 td107"><P class="p33 ft3">20 §</P></TD>
<TD class="tr29 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=13 class="tr15 td93"><P class="p17 ft3">Ett institut för elektroniska pengar som avser att ge ut elektroniska</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=13 class="tr16 td93"><P class="p3 ft7">pengar eller tillhandahålla betaltjänster genom en filial i ett annat land inom</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=13 class="tr16 td93"><P class="p3 ft5">EES ska underrätta Finansinspektionen innan verksamheten påbörjas.</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td268"><P class="p3 ft7">Underrättelsen ska innehålla</P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4"><SPAN class="ft6">1. </SPAN>en plan för den avsedda verk-</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft4"><SPAN class="ft6">1. </SPAN>uppgifter om institutets namn</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4">samheten med uppgift om filialens</P></TD>
<TD colspan=2 class="tr16 td62"><P class="p3 ft4">och adress<SPAN class="ft6">,</SPAN></P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td60"><P class="p3 ft4">organisation och de tjänster som</P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4">den avser att tillhandahålla<SPAN class="ft6">, </SPAN>och</P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td43"><P class="p31 ft4"><SPAN class="ft6">2. </SPAN>uppgifter</P></TD>
<TD class="tr16 td126"><P class="p1 ft6">om</P></TD>
<TD class="tr16 td73"><P class="p1 ft6">i vilket</P></TD>
<TD class="tr16 td123"><P class="p21 ft6">land</P></TD>
<TD colspan=3 class="tr16 td121"><P class="p31 ft4"><SPAN class="ft6">2. </SPAN>uppgift <SPAN class="ft6">om i</SPAN></P></TD>
<TD class="tr16 td230"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td142"><P class="p74 ft6">vilket</P></TD>
<TD class="tr16 td135"><P class="p17 ft6">land</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">filialen ska inrättas <SPAN class="ft4">samt om filialens</SPAN></P></TD>
<TD colspan=3 class="tr15 td121"><P class="p3 ft5">filialen ska inrättas<SPAN class="ft41">,</SPAN></P></TD>
<TD class="tr15 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr28 td60"><P class="p3 ft4">adress och ansvariga ledning.</P></TD>
<TD colspan=2 rowspan=2 class="tr27 td62"><P class="p31 ft4">3. uppgifter</P></TD>
<TD rowspan=2 class="tr27 td164"><P class="p70 ft4">om</P></TD>
<TD colspan=2 rowspan=2 class="tr27 td92"><P class="p1 ft4">vilka</P></TD>
<TD colspan=2 rowspan=2 class="tr27 td58"><P class="p27 ft4">tjänster</P></TD>
</TR>
<TR>
<TD class="tr30 td86"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td27"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td182"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td119"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td126"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td73"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td123"><P class="p3 ft47"> </P></TD>
</TR>
<TR>
<TD class="tr28 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td73"><P class="p3 ft4">filialen</P></TD>
<TD class="tr28 td164"><P class="p3 ft4">avser</P></TD>
<TD class="tr28 td164"><P class="p41 ft4">att</P></TD>
<TD colspan=4 class="tr28 td62"><P class="p17 ft41">tillhandahålla,</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft4">och</P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p31 ft4">4. en</P></TD>
<TD colspan=3 class="tr16 td140"><P class="p1 ft4">beskrivning</P></TD>
<TD class="tr16 td94"><P class="p74 ft4">av</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p17 ft4">filialens</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft4">organisatoriska struktur och vilka</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">som är ansvariga för ledningen av</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=6 rowspan=2 class="tr25 td60"><P class="p21 ft4">Innan Finansinspektionen beslut-</P></TD>
<TD class="tr16 td73"><P class="p3 ft4">filialen.</P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p17 ft4">Institutet ska underrätta Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft4">ar</P></TD>
<TD class="tr16 td182"><P class="p3 ft4">att</P></TD>
<TD colspan=2 class="tr16 td165"><P class="p93 ft4">registrera</P></TD>
<TD class="tr16 td73"><P class="p3 ft4">filialen</P></TD>
<TD class="tr16 td123"><P class="p21 ft41">enligt</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">inspektionen om vilken dag verk-</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4">5 kap. 5 §, ska inspektionen under-</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft41">samheten genom filialen påbörjas i</P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td60"><P class="p3 ft4">rätta den behöriga myndigheten i</P></TD>
<TD colspan=3 class="tr15 td121"><P class="p3 ft4">det andra landet.</P></TD>
<TD class="tr15 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft4">det</P></TD>
<TD colspan=5 class="tr16 td222"><P class="p21 ft4">andra landet. Underrättelsen</P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft4">ska</P></TD>
<TD colspan=2 class="tr16 td125"><P class="p70 ft4">innehålla</P></TD>
<TD colspan=2 class="tr16 td79"><P class="p72 ft4">uppgifterna</P></TD>
<TD class="tr16 td123"><P class="p21 ft41">enligt</P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td86"><P class="p1 ft3">86</P></TD>
<TD colspan=2 class="tr15 td142"><P class="p3 ft4">första</P></TD>
<TD class="tr15 td119"><P class="p3 ft4">stycket.</P></TD>
<TD colspan=3 class="tr15 td95"><P class="p21 ft41">Finansinspektionen</P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td27"><P class="p3 ft4">får</P></TD>
<TD colspan=2 class="tr28 td125"><P class="p1 ft4">vägra att</P></TD>
<TD colspan=2 class="tr28 td79"><P class="p3 ft4">registrera en</P></TD>
<TD class="tr28 td123"><P class="p21 ft4">filial</P></TD>
<TD class="tr28 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td230"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_87">
<DIV id="tx1"><SPAN class="ft50">Inom en månad från det att en underrättelse enligt 20 § första eller tredje stycket togs emot ska</SPAN></DIV>
<DIV id="tx2"><SPAN class="ft40">Finansinspektionen lämna över </SPAN><SPAN class="ft39">den </SPAN><SPAN class="ft40">till den behöriga myndigheten i det land där filialen ska inrättas.</SPAN></DIV>
<DIV id="tx3"><SPAN class="ft4">Finansinspektionen ska inom tre månader från det att en under- rättelse enligt 20 § första stycket togs emot underrätta den behöriga myndigheten i det andra landet och institutet om sitt beslut i fråga om registrering. Om Finans- inspektionen och den behöriga myndigheten i det andra landet inte har samma uppfattning i frågan om registrering, ska under- rättelsen även innehålla skälen för beslutet.</SPAN></DIV>
<DIV id="tx4"><SPAN class="ft41">Finansinspektionen ska vägra att registrera en filial eller åter- kalla en utförd registrering, om det inte är lämpligt att institutet in- rättar filialen. Finansinspektionen ska vid denna bedömning beakta den information som inspektionen tagit emot från den behöriga myndigheten i det andra landet.</SPAN></DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV id="id_1">
<P class="p131 ft4">eller återkalla en utförd regist- rering, om den behöriga myndig- heten i det andra landet har skälig anledning att anta att penningtvätt eller finansiering av terrorism äger rum eller har ägt rum eller har försökt genomföras i anknytning till filialen, eller om anlitandet av filialen kan öka risken för penning- tvätt eller finansiering av terror- ism.</P>
<P class="p420 ft3">21 § Finansinspektionen <SPAN class="ft4">ska </SPAN>lämna</P>
<P class="p131 ft4"><SPAN class="ft3">över </SPAN>en underrättelse enligt 20 § <SPAN class="ft3">till den behöriga myndigheten i det land där filialen ska inrättas </SPAN>inom en månad från det att underrät- telsen från institutet för elek- troniska pengar togs emot<SPAN class="ft3">.</SPAN></P>
<P class="p421 ft3">22 §</P>
<P class="p89 ft64">Ett institut för elektroniska pengar som avser att från Sverige ge ut elektroniska pengar eller tillhandahålla betaltjänster i ett annat land inom EES ska underrätta Finansinspektionen innan verksamheten påbörjas.</P>
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD colspan=4 class="tr28 td60"><P class="p3 ft3">Underrättelsen ska innehålla</P></TD>
<TD class="tr28 td61"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td57"><P class="p90 ft4"><SPAN class="ft6">1. </SPAN>en plan</P></TD>
<TD class="tr16 td23"><P class="p93 ft4">för</P></TD>
<TD class="tr16 td162"><P class="p3 ft4">den</P></TD>
<TD class="tr16 td141"><P class="p62 ft4">avsedda</P></TD>
<TD class="tr16 td61"><P class="p90 ft4"><SPAN class="ft6">1. </SPAN>uppgifter om institutets namn</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft4">verksamheten med uppgift om de</P></TD>
<TD class="tr16 td61"><P class="p3 ft4">och adress<SPAN class="ft6">,</SPAN></P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p62 ft4">tjänster som institutet för elektron-</P></TD>
<TD class="tr15 td61"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td57"><P class="p3 ft4">iska pengar</P></TD>
<TD class="tr28 td23"><P class="p3 ft4">avser</P></TD>
<TD class="tr28 td162"><P class="p3 ft4">att</P></TD>
<TD class="tr28 td141"><P class="p62 ft41">tillhanda-</P></TD>
<TD class="tr28 td61"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">87</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_88">
<DIV id="tx1"><SPAN class="ft3">Om ändringen rör verksamhet som ett institut för elektroniska pengar </SPAN><SPAN class="ft4">driver </SPAN><SPAN class="ft3">i ett annat land, ska Finansinspektionen </SPAN><SPAN class="ft4">inom en månad från det att underrättelsen togs emot </SPAN><SPAN class="ft3">underrätta den behöriga myndigheten i det andra landet om ändringen.</SPAN></DIV>
<TABLE cellpadding=0 cellspacing=0 class="t42">
<TR>
<TD class="tr19 td86"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td60"><P class="p3 ft4">hålla<SPAN class="ft3">, </SPAN>och</P></TD>
<TD class="tr19 td61"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td60"><P class="p31 ft3">2. <SPAN class="ft4">uppgifter </SPAN>om i vilket land</P></TD>
<TD class="tr15 td61"><P class="p31 ft3">2. <SPAN class="ft4">uppgift </SPAN>om i vilket land <SPAN class="ft4">insti-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft4">verksamheten ska bedrivas.</P></TD>
<TD class="tr16 td61"><P class="p3 ft41">tutet ska driva sin verksamhet, och</P></TD>
</TR>
<TR>
<TD class="tr16 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td61"><P class="p31 ft4">3. uppgifter om vilka tjänster</P></TD>
</TR>
<TR>
<TD class="tr20 td86"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td61"><P class="p3 ft4">institutet avser att tillhandahålla.</P></TD>
</TR>
</TABLE>
<P class="p422 ft3">25 §</P>
<P class="p99 ft6">Om ett institut för elektroniska pengar eller en registrerad utgivare avser att ändra den verksamhet som avses i 18, 19, 20, 22 eller 24 § ska institutet eller utgivaren underrätta Finansinspektionen innan ändringen genomförs.</P>
<P class="p423 ft40">Om ändringen rör verksamhet som ett institut för elektroniska pengar <SPAN class="ft39">bedriver </SPAN>i ett annat land, ska Finansinspektionen underrätta den behöriga myndigheten i det andra landet om ändringen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t56">
<TR>
<TD class="tr22 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td111"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td177"><P class="p1 ft3">26 §</P></TD>
<TD class="tr22 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=13 class="tr16 td129"><P class="p151 ft5">Ett utländskt företag som hör hemma inom EES och som i hemlandet</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=13 class="tr15 td129"><P class="p152 ft3">har tillstånd att ge ut elektroniska pengar behöver inte tillstånd enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=13 class="tr16 td129"><P class="p152 ft6">2 kap. 1 § för att ge ut elektroniska pengar eller tillhandahålla betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td277"><P class="p152 ft6">tjänster i Sverige.</P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td54"><P class="p27 ft3">Ett sådant utländskt företag får</P></TD>
<TD colspan=6 class="tr15 td225"><P class="p17 ft3">Ett utländskt företag som avses i</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td54"><P class="p152 ft6">ge ut elektroniska pengar eller</P></TD>
<TD colspan=6 class="tr16 td225"><P class="p17 ft6">första stycket får ge ut elektroniska</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td278"><P class="p152 ft6">tillhandahålla</P></TD>
<TD colspan=3 class="tr16 td18"><P class="p217 ft7">betaltjänster</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p27 ft7">genom</P></TD>
<TD colspan=6 class="tr16 td225"><P class="p17 ft6">pengar eller tillhandahålla betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td54"><P class="p152 ft5">filial i Sverige, samt tillhandahålla</P></TD>
<TD colspan=6 class="tr15 td225"><P class="p27 ft3">tjänster genom filial i Sverige,</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td278"><P class="p152 ft6">betaltjänster,</P></TD>
<TD colspan=3 class="tr16 td18"><P class="p307 ft6">distribuera</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p27 ft6">elekt-</P></TD>
<TD colspan=2 class="tr16 td200"><P class="p25 ft6">samt</P></TD>
<TD colspan=4 class="tr16 td124"><P class="p17 ft5">tillhandahålla betaltjänster,</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td54"><P class="p152 ft6">roniska pengar eller lösa in elek-</P></TD>
<TD colspan=3 class="tr16 td84"><P class="p25 ft6">distribuera</P></TD>
<TD class="tr16 td91"><P class="p3 ft6">elektroniska</P></TD>
<TD colspan=2 class="tr16 td177"><P class="p27 ft7">pengar</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td54"><P class="p152 ft3">troniska pengar genom ombud i</P></TD>
<TD colspan=6 class="tr15 td225"><P class="p27 ft3">eller lösa in elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td54"><P class="p152 ft6">Sverige, efter det att Finans-</P></TD>
<TD colspan=6 class="tr16 td225"><P class="p17 ft6">genom ombud i Sverige, efter det</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td54"><P class="p152 ft6">inspektionen har tagit emot <SPAN class="ft4">en</SPAN></P></TD>
<TD class="tr16 td177"><P class="p25 ft6">att</P></TD>
<TD colspan=4 class="tr16 td207"><P class="p3 ft6">Finansinspektionen har</P></TD>
<TD class="tr16 td94"><P class="p17 ft5">tagit</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td278"><P class="p152 ft4">underrättelse</P></TD>
<TD class="tr15 td180"><P class="p198 ft3">från</P></TD>
<TD colspan=4 class="tr15 td35"><P class="p27 ft3">den behöriga</P></TD>
<TD colspan=6 class="tr15 td225"><P class="p17 ft3">emot <SPAN class="ft4">ett beslut </SPAN>från den behöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td54"><P class="p152 ft4"><SPAN class="ft6">myndigheten i </SPAN>företagets hemland</P></TD>
<TD colspan=6 class="tr16 td225"><P class="p17 ft6">myndigheten i <SPAN class="ft4">det land där</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td277"><P class="p152 ft4">som innehåller</P></TD>
<TD class="tr16 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td225"><P class="p17 ft4">företaget hör hemma om att</P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td54"><P class="p27 ft4">1. en plan för den avsedda verk-</P></TD>
<TD colspan=6 class="tr15 td225"><P class="p17 ft4">ombudet eller filialen har registre-</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td54"><P class="p152 ft4">samheten med uppgift om filialens</P></TD>
<TD colspan=4 class="tr16 td89"><P class="p25 ft4">rats av den myndigheten.</P></TD>
<TD class="tr16 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td111"><P class="p152 ft4">eller</P></TD>
<TD colspan=5 class="tr16 td201"><P class="p202 ft4">ombudets organisation</P></TD>
<TD class="tr16 td105"><P class="p27 ft4">och</P></TD>
<TD class="tr16 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td54"><P class="p152 ft4">de tjänster som filialen eller om-</P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td54"><P class="p152 ft4">budet avser att tillhandahålla, och</P></TD>
<TD class="tr16 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td278"><P class="p151 ft4">2. uppgifter</P></TD>
<TD class="tr16 td180"><P class="p218 ft4">om</P></TD>
<TD colspan=3 class="tr16 td150"><P class="p134 ft41">filialens</P></TD>
<TD class="tr16 td105"><P class="p27 ft4">eller</P></TD>
<TD class="tr16 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td277"><P class="p152 ft4">ombudets adress</P></TD>
<TD class="tr15 td33"><P class="p3 ft4">och</P></TD>
<TD colspan=3 class="tr15 td55"><P class="p27 ft4">ansvariga</P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td278"><P class="p152 ft4">ledning.</P></TD>
<TD class="tr28 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td111"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td100"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr27 td122"><P class="p424 ft3">27 §</P></TD>
<TD class="tr27 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td54"><P class="p27 ft4">Ett utländskt företag som avses i</P></TD>
<TD colspan=2 class="tr16 td200"><P class="p425 ft4">När</P></TD>
<TD colspan=3 class="tr16 td265"><P class="p36 ft4">Finansinspektionen</P></TD>
<TD class="tr16 td94"><P class="p17 ft4">har</P></TD>
</TR>
<TR>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td111"><P class="p152 ft4">26 §</P></TD>
<TD class="tr16 td119"><P class="p72 ft4">första</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p239 ft41">stycket</P></TD>
<TD class="tr16 td70"><P class="p307 ft4">får</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p27 ft4">ge ut</P></TD>
<TD colspan=6 class="tr16 td225"><P class="p17 ft4">tagit emot en underrättelse från en</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td6"><P class="p17 ft7">88</P></TD>
<TD colspan=7 class="tr15 td54"><P class="p152 ft41">elektroniska pengar eller tillhanda-</P></TD>
<TD colspan=6 class="tr15 td225"><P class="p17 ft4">myndighet i ett annat land inom</P></TD>
</TR>
<TR>
<TD class="tr28 td111"><P class="p152 ft4">hålla</P></TD>
<TD colspan=2 class="tr28 td138"><P class="p218 ft41">betaltjänster</P></TD>
<TD colspan=3 class="tr28 td150"><P class="p202 ft4">i Sverige</P></TD>
<TD class="tr28 td105"><P class="p27 ft4">från</P></TD>
<TD class="tr28 td177"><P class="p25 ft4">EES</P></TD>
<TD colspan=2 class="tr28 td73"><P class="p74 ft4">om att</P></TD>
<TD class="tr28 td91"><P class="p146 ft4">ett utländskt</P></TD>
<TD colspan=2 class="tr28 td177"><P class="p27 ft41">företag</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_89">
<DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<DIV id="id_1_1_1">
<P class="p53 ft50">sitt hemland så snart Finansinspek- tionen har tagit emot en underrät- telse från behörig myndighet i före- tagets hemland som anger vilka tjänster institutet för elektroniska pengar avser att tillhandahålla i Sverige.</P>
</DIV>
<DIV id="id_1_1_2">
<P class="p53 ft41">avser att ge ut elektroniska pengar eller tillhandahålla betaltjänster i Sverige, ska inspektionen inom en månad lämna relevanta uppgifter till den behöriga myndigheten i det andra landet om det utländska företagets planerade tillhanda- hållande av tjänster här i landet. Om tjänster ska tillhandahållas genom ett ombud eller en filial, ska det av underrättelsen framgå om Finansinspektionen har skälig anledning att anta att anlitandet av filialen eller ombudet kan öka risken för penningtvätt eller finan- siering av terrorism.</P>
</DIV>
</DIV>
<DIV id="id_1_2">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr22 td84"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td105"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td211"><P class="p426 ft3">29 §</P></TD>
<TD class="tr22 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td79"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td84"><P class="p90 ft6">Ett institut</P></TD>
<TD class="tr16 td105"><P class="p74 ft6">för</P></TD>
<TD class="tr16 td115"><P class="p62 ft6">elektroniska</P></TD>
<TD class="tr16 td84"><P class="p90 ft6">Ett institut</P></TD>
<TD class="tr16 td105"><P class="p74 ft6">för</P></TD>
<TD class="tr16 td79"><P class="p17 ft6">elektroniska</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft3">pengar eller en registrerad utgivare</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p3 ft7">pengar eller en registrerad utgivare</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">får uppdra åt någon annan att</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft6">får uppdra åt någon annan att</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">utföra ett visst arbete eller vissa</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft6">utföra ett visst arbete eller vissa</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft3">operativa funktioner som ingår i</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p3 ft3">operativa funktioner som ingår i</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">dess verksamhet med utgivning av</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft7">dess verksamhet med utgivning av</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">elektroniska pengar eller tillhanda-</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft7">elektroniska pengar eller tillhanda-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft3">hållande av betaltjänster. Institutet</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p3 ft5">hållande av betaltjänster. Institutet</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">eller utgivaren ska anmäla sådana</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft7">eller utgivaren ska anmäla sådana</P></TD>
</TR>
<TR>
<TD class="tr16 td84"><P class="p3 ft6">uppdragsavtal</P></TD>
<TD class="tr16 td105"><P class="p3 ft6">till</P></TD>
<TD class="tr16 td115"><P class="p62 ft7">Finansinspek-</P></TD>
<TD class="tr16 td84"><P class="p3 ft6">uppdragsavtal</P></TD>
<TD class="tr16 td105"><P class="p3 ft6">till</P></TD>
<TD class="tr16 td79"><P class="p17 ft7">Finansinspek-</P></TD>
</TR>
<TR>
<TD class="tr15 td84"><P class="p3 ft3">tionen.</P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td61"><P class="p3 ft41"><SPAN class="ft5">tionen. </SPAN>En sådan anmälan behöver</P></TD>
</TR>
<TR>
<TD class="tr16 td84"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td115"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft4">inte göras när det gäller konto-</P></TD>
</TR>
<TR>
<TD class="tr21 td84"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td105"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td115"><P class="p3 ft22"> </P></TD>
<TD colspan=2 class="tr21 td28"><P class="p3 ft62">informationstjänster.</P></TD>
<TD class="tr21 td79"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p82 ft6">Uppdrag åt någon annan att utföra sådana funktioner som är av väsentlig betydelse för verksamheten med utgivning av elektroniska pengar eller tillhandahållande av betaltjänster får bara ges om institutet eller utgivaren ansvarar för att</P>
<P class="p82 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">verksamheten drivs av uppdragstagaren under kontrollerade och säkerhetsmässigt betryggande former, och</SPAN></P>
<P class="p82 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">uppdraget inte väsentligt försämrar kvaliteten på institutets eller utgivarens internkontroll och Finansinspektionens möjligheter att övervaka att institutet eller utgivaren följer de regler som gäller för verksamheten.</SPAN></P>
<P class="p231 ft4">29 a §</P>
<P class="p427 ft50">Om ett institut för elektroniska pengar eller en registrerad utgiva- re avser att ändra den uppdrags- verksamhet som avses i 29 §, ska institutet eller utgivaren anmäla detta till Finansinspektionen innan ändringen genomförs.</P>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">89</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_90">
<TABLE cellpadding=0 cellspacing=0 class="t26">
<TR>
<TD class="tr1 td36"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr1 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr1 td72"><P class="p27 ft4">Om ändringen rör ett instituts</P></TD>
</TR>
<TR>
<TD class="tr16 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft4">verksamhet i ett annat land inom</P></TD>
</TR>
<TR>
<TD class="tr16 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft41">EES, ska Finansinspektionen inom</P></TD>
</TR>
<TR>
<TD class="tr16 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">en månad från det att anmälan</P></TD>
</TR>
<TR>
<TD class="tr15 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft41">togs emot underrätta den behöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft41">myndigheten i det andra landet om</P></TD>
</TR>
<TR>
<TD class="tr20 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td79"><P class="p3 ft4">ändringen.</P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td36"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td209"><P class="p428 ft42">5 kap.</P></TD>
<TD class="tr29 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p17 ft6">2 §</P></TD>
<TD class="tr16 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td36"><P class="p219 ft3">Ett institut för</P></TD>
<TD class="tr15 td47"><P class="p21 ft7">elektroniska</P></TD>
<TD class="tr15 td135"><P class="p31 ft3">Ett</P></TD>
<TD colspan=2 class="tr15 td50"><P class="p41 ft3">institut</P></TD>
<TD class="tr15 td68"><P class="p326 ft3">för</P></TD>
<TD colspan=2 class="tr15 td141"><P class="p17 ft5">elektroniska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td114"><P class="p40 ft6">pengar <SPAN class="ft4">och </SPAN>en registrerad utgivare</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft5">pengar<SPAN class="ft41">, </SPAN>en registrerad utgivare <SPAN class="ft41">och</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td114"><P class="p40 ft6">ska lämna Finansinspektionen de</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft4">utländska företag som ger ut</P></TD>
</TR>
<TR>
<TD class="tr15 td36"><P class="p40 ft3">upplysningar om sin</P></TD>
<TD class="tr15 td47"><P class="p21 ft3">verksamhet</P></TD>
<TD colspan=2 class="tr15 td79"><P class="p3 ft4">elektroniska</P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td153"><P class="p70 ft4">pengar</P></TD>
<TD class="tr15 td142"><P class="p17 ft4">eller</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td114"><P class="p40 ft6">som inspektionen begär.</P></TD>
<TD colspan=3 class="tr16 td190"><P class="p3 ft4">tillhandahåller</P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td141"><P class="p17 ft4">betaltjänster</P></TD>
</TR>
<TR>
<TD class="tr15 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p27 ft4">genom filial i Sverige, eller</P></TD>
</TR>
<TR>
<TD class="tr16 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td190"><P class="p3 ft4">tillhandahåller</P></TD>
<TD colspan=3 class="tr16 td195"><P class="p27 ft4">betaltjänster,</P></TD>
</TR>
<TR>
<TD class="tr16 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td79"><P class="p3 ft4">distribuerar</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p3 ft4">elektroniska</P></TD>
<TD class="tr16 td142"><P class="p17 ft41">pengar</P></TD>
</TR>
<TR>
<TD class="tr15 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft4">eller löser in elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr16 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">genom ombud enligt 3 kap. 26 §,</P></TD>
</TR>
<TR>
<TD class="tr16 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft5">ska lämna Finansinspektionen de</P></TD>
</TR>
<TR>
<TD class="tr15 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td79"><P class="p3 ft3">upplysningar</P></TD>
<TD colspan=2 class="tr15 td119"><P class="p72 ft3">om sin</P></TD>
<TD colspan=2 class="tr15 td141"><P class="p17 ft3">verksamhet</P></TD>
</TR>
<TR>
<TD class="tr16 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft4">och</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p3 ft4">därmed</P></TD>
<TD colspan=3 class="tr16 td195"><P class="p27 ft41">sammanhängande</P></TD>
</TR>
<TR>
<TD class="tr16 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td190"><P class="p3 ft4">omständigheter</P></TD>
<TD class="tr16 td68"><P class="p172 ft7">som</P></TD>
<TD colspan=2 class="tr16 td141"><P class="p17 ft7">inspektionen</P></TD>
</TR>
<TR>
<TD class="tr20 td36"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft5">begär.</P></TD>
<TD class="tr20 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p429 ft3">3 §</P>
<P class="p430 ft3">Finansinspektionen får när det är nödvändigt genomföra en under- sökning hos</P>
<P class="p50 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">ett institut för elektroniska pengar,</SPAN></P>
<P class="p50 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">en registrerad utgivare, och</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t57">
<TR>
<TD class="tr15 td60"><P class="p21 ft3">3. utländska företag som ger ut</P></TD>
<TD class="tr15 td72"><P class="p31 ft5">3. utländska företag som ger ut</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">elektroniska pengar i Sverige</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">elektroniska pengar i Sverige</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p426 ft5">enligt 3 kap. <NOBR>26<SPAN class="ft41">–</SPAN>28</NOBR> §§.</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">enligt 3 kap. 26 <SPAN class="ft4">och </SPAN>28 §§.</P></TD>
</TR>
</TABLE>
<P class="p99 ft6">Om det behövs för tillsynen av ett institut för elektroniska pengar eller en registrerad utgivare, får Finansinspektionen genomföra en under- sökning hos</P>
<P class="p50 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">en filial till institutet,</SPAN></P>
<P class="p50 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">ett ombud till institutet eller utgivaren, och</SPAN></P>
<P class="p51 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft33">ett företag som har fått i uppdrag att utföra visst arbete eller vissa funktioner åt institutet eller utgivaren.</SPAN></P>
<P class="p99 ft3">En undersökning hos en registrerad utgivare får endast omfatta den verksamhet som avser utgivning av elektroniska pengar eller tillhanda- hållande av betaltjänster.</P>
<TABLE cellpadding=0 cellspacing=0 class="t58">
<TR>
<TD class="tr2 td78"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td76"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td98"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td30"><P class="p431 ft7">4 §</P></TD>
<TD class="tr2 td81"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td279"><P class="p432 ft3">Finansinspektionen</P></TD>
<TD class="tr15 td81"><P class="p3 ft3">ska i</P></TD>
<TD class="tr15 td13"><P class="p17 ft3">sin</P></TD>
<TD class="tr15 td30"><P class="p198 ft3">Finansinspektionen ska</P></TD>
<TD class="tr15 td81"><P class="p27 ft3">i sin</P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td186"><P class="p305 ft6">tillsynsverksamhet</P></TD>
<TD colspan=2 class="tr16 td125"><P class="p3 ft6">samarbeta</P></TD>
<TD class="tr16 td13"><P class="p17 ft5">och</P></TD>
<TD colspan=2 class="tr16 td60"><P class="p17 ft6">tillsynsverksamhet<SPAN class="ft4">, i den utsträck-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td76"><P class="p305 ft6">utbyta</P></TD>
<TD class="tr16 td98"><P class="p3 ft6">information</P></TD>
<TD colspan=3 class="tr16 td106"><P class="p17 ft6">med behöriga</P></TD>
<TD colspan=2 class="tr16 td60"><P class="p17 ft4">ning som följer av Europaparla-</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr34 td78"><P class="p196 ft7">90</P></TD>
<TD colspan=5 class="tr15 td269"><P class="p305 ft3">myndigheter inom EES<SPAN class="ft4">. Inspek-</SPAN></P></TD>
<TD class="tr15 td30"><P class="p23 ft4">mentets och rådets</P></TD>
<TD class="tr15 td81"><P class="p17 ft41">direktiv</P></TD>
</TR>
<TR>
<TD class="tr28 td76"><P class="p305 ft4">tionen</P></TD>
<TD colspan=2 class="tr28 td84"><P class="p72 ft4">ska dessutom</P></TD>
<TD colspan=2 class="tr28 td125"><P class="p17 ft4">samarbeta</P></TD>
<TD colspan=2 class="tr28 td60"><P class="p27 ft4">2009/110/EG av den 16 september</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_91">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=2 class="tr2 td60"><P class="p3 ft4">och utbyta information <SPAN class="ft3">med Euro-</SPAN></P></TD>
<TD colspan=6 class="tr2 td61"><P class="p3 ft41">2009 om rätten att starta och driva</P></TD>
</TR>
<TR>
<TD class="tr15 td255"><P class="p3 ft3">peiska centralbanken,</P></TD>
<TD class="tr15 td141"><P class="p62 ft7">nationella</P></TD>
<TD colspan=6 class="tr15 td61"><P class="p3 ft4">affärsverksamhet i institut för</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft5">centralbanker och andra</P></TD>
<TD class="tr16 td141"><P class="p62 ft6">behöriga</P></TD>
<TD colspan=2 class="tr16 td18"><P class="p3 ft4">elektroniska</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p70 ft4">pengar</P></TD>
<TD class="tr16 td105"><P class="p3 ft4">samt</P></TD>
<TD class="tr16 td92"><P class="p17 ft4">om</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">myndigheter som utsetts i enlighet</P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">tillsyn av sådan verksamhet, om</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">med unionsrätt som är tillämplig</P></TD>
<TD colspan=6 class="tr15 td61"><P class="p3 ft41">ändring av direktiven 2005/60/EG</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">på utgivare av elektroniska pengar.</P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">och 2006/48/EG och om upphäv-</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft66"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft41">ande av direktiv 2000/46/EG, i den</P></TD>
</TR>
<TR>
<TD class="tr15 td255"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td141"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td18"><P class="p3 ft4">ursprungliga</P></TD>
<TD colspan=2 class="tr15 td150"><P class="p71 ft4">lydelsen,</P></TD>
<TD colspan=2 class="tr15 td50"><P class="p17 ft7">samarbeta</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft6">och</P></TD>
<TD class="tr16 td142"><P class="p3 ft6">utbyta</P></TD>
<TD colspan=3 class="tr16 td35"><P class="p31 ft6">information</P></TD>
<TD class="tr16 td92"><P class="p17 ft6">med</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft66"> </P></TD>
<TD colspan=2 class="tr16 td18"><P class="p3 ft4">motsvarande</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p93 ft6">behöriga</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p17 ft6">myndig-</P></TD>
</TR>
<TR>
<TD class="tr15 td255"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td141"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td61"><P class="p3 ft4"><SPAN class="ft3">heter inom EES</SPAN>. Samarbete och</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft66"> </P></TD>
<TD colspan=3 class="tr16 td63"><P class="p3 ft4">informationsutbyte</P></TD>
<TD class="tr16 td162"><P class="p1 ft4">ska</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p17 ft4">även ske</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft6">med</P></TD>
<TD colspan=2 class="tr16 td138"><P class="p3 ft6">Europeiska</P></TD>
<TD colspan=3 class="tr16 td62"><P class="p17 ft7">centralbanken,</P></TD>
</TR>
<TR>
<TD class="tr15 td255"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td141"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td61"><P class="p3 ft3">nationella centralbanker<SPAN class="ft4">, Euro-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft4">peiska</P></TD>
<TD colspan=5 class="tr16 td170"><P class="p17 ft4">kommissionen, Europeiska</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft66"> </P></TD>
<TD colspan=3 class="tr16 td63"><P class="p3 ft4">bankmyndigheten</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p75 ft6">och</P></TD>
<TD class="tr16 td92"><P class="p17 ft7">andra</P></TD>
</TR>
<TR>
<TD class="tr15 td255"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td141"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr15 td61"><P class="p3 ft7">behöriga myndigheter som utsetts i</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft66"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft6">enlighet med unionsrätt som är</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft66"> </P></TD>
<TD colspan=2 class="tr16 td18"><P class="p3 ft6">tillämplig</P></TD>
<TD class="tr16 td135"><P class="p3 ft6">på</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p3 ft6">utgivare</P></TD>
<TD class="tr16 td92"><P class="p17 ft6">av</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft66"> </P></TD>
<TD colspan=3 class="tr16 td63"><P class="p3 ft7">elektroniska pengar.</P></TD>
<TD class="tr16 td162"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft66"> </P></TD>
</TR>
</TABLE>
<P class="p82 ft6">En behörig myndighet inom EES får närvara vid en kontroll som utförs av Finansinspektionen.</P>
<P class="p82 ft3">Finansinspektionen får till en behörig myndighet i ett annat land inom EES överlåta uppgiften att genomföra en kontroll på plats av en filial eller ombud till ett institut för elektroniska pengar som står under dess tillsyn.</P>
<P class="p433 ft4">4 a §</P>
<P class="p237 ft4">Finansinspektionen får hän- skjuta frågor som rör samarbete mellan behöriga myndigheter till Europeiska bankmyndigheten för tvistlösning i de fall som framgår av artikel 3.1 i Europaparla- mentets och rådets direktiv 2009/110/EG, i den ursprungliga lydelsen, och artikel 27 i Europa- parlamentets och rådets direktiv (EU) 2015/2366 av den 25 novem- ber 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG, i den ursprungliga lydelsen.</P>
<P class="p434 ft3">5 §</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr24 td60"><P class="p62 ft3">Finansinspektionen ska föra ett</P></TD>
<TD class="tr24 td61"><P class="p17 ft3">Finansinspektionen ska föra ett</P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p62 ft3">register över institut för elek-</P></TD>
<TD class="tr28 td61"><P class="p17 ft7">register över institut för elektroniska</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">91</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_92">
<DIV id="tx1"><SPAN class="ft5">Om en behörig myndighet i ett annat land har underrättat Finans- inspektionen om att ett institut för elektroniska pengar har överträtt föreskrifter i det landet</SPAN><SPAN class="ft41">, </SPAN><SPAN class="ft5">ska inspek- tionen vidta de åtgärder som anges i </SPAN><NOBR><SPAN class="ft5">8–11</SPAN></NOBR><SPAN class="ft5"> §§ mot institutet, om det föreligger någon omständighet som anges där. </SPAN><SPAN class="ft41">Finansinspektione</SPAN><SPAN class="ft5">n ska </SPAN><SPAN class="ft41">så snart det kan ske </SPAN><SPAN class="ft5">underrätta den behöriga myndigheten </SPAN><SPAN class="ft41">i det andra landet samt de behöriga myndig- heterna i övriga berörda länder inom EES </SPAN><SPAN class="ft5">om vilka åtgärder som vidtas.</SPAN></DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<P class="p147 ft40">Prop. 2017/18:77 troniska pengar, registrerade utgivare, deras ombud och filialer. Registret ska hållas tillgängligt hos Finansinspektionen.</P>
</DIV>
<DIV id="id_1_2">
<P class="p53 ft5">pengar, registrerade utgivare, deras ombud och filialer. <SPAN class="ft41">Registret ska innehålla uppgifter om tillstånd som har återkallats och uppgifter om de registrerade utgivare som inte längre uppfyller villkoren för registrering enligt 2 kap. 3 §.</SPAN></P>
<P class="p435 ft3">Registret ska hållas tillgängligt hos Finansinspektionen.</P>
<P class="p208 ft4">Finansinspektionen ska så snart det kan ske underrätta Europeiska bankmyndigheten om den infor- mation som förs in i registret enligt första stycket och om skälen till att ett tillstånd återkallats eller till att en registrerad utgivare inte längre uppfyller villkoren för registrering enligt 2 kap. 3 §.</P>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p436 ft3">13 § Om en behörig myndighet i ett</P>
<P class="p437 ft3">annat land har underrättat Finans- inspektionen om att ett institut för elektroniska pengar har överträtt föreskrifter i det landet, ska inspektionen vidta de åtgärder som anges i <NOBR>8–11</NOBR> §§ mot institutet, om det föreligger någon omständighet som anges där. <SPAN class="ft4">Inspektionen </SPAN>ska underrätta den behöriga myndig- heten om vilka åtgärder som vid- tas.</P>
</DIV>
<DIV id="id_3">
<DIV id="id_3_1">
<P class="p145 ft64">Finansinspektionen får förelägga ett utländskt företag som ger ut elektroniska pengar eller tillhanda- håller betaltjänster i enlighet med 3 kap. <NOBR>26<SPAN class="ft63">–</SPAN>28</NOBR> §§ att göra rättelse om utgivningen av elektroniska pengar eller tillhandahållandet av betaltjänster i Sverige inte <SPAN class="ft63">bedrivs </SPAN>enligt gällande bestämmelser om åtgärder mot penningtvätt och</P>
</DIV>
<DIV id="id_3_2">
<P class="p15 ft3">21 §<SPAN class="ft43">3</SPAN></P>
<P class="p438 ft5">Finansinspektionen får förelägga ett utländskt företag som ger ut elektroniska pengar eller tillhanda- håller betaltjänster i enlighet med 3 kap. 26 <SPAN class="ft41">och </SPAN>28 §§ att göra rättel- se om utgivningen av elektroniska pengar eller tillhandahållandet av betaltjänster i Sverige inte <SPAN class="ft41">drivs </SPAN>enligt gällande bestämmelser om åtgärder mot penningtvätt och</P>
</DIV>
</DIV>
<DIV id="id_4">
<P class="p439 ft7"><SPAN class="ft44">3 </SPAN>Senaste lydelse 2017:655.</P>
<P class="p440 ft3">92</P>
</DIV>
</DIV>
<DIV id="page_93">
<DIV>
<DIV id="id_1">
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD class="tr2 td102"><P class="p3 ft3">finansiering av terrorism eller i</P></TD>
<TD colspan=5 class="tr2 td215"><P class="p75 ft3">finansiering av terrorism eller i</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft3">enlighet med förordning (EU)</P></TD>
<TD colspan=5 class="tr15 td215"><P class="p75 ft41"><SPAN class="ft5">enlighet med </SPAN>Europaparlamentets</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft6">2015/847.</P></TD>
<TD class="tr16 td90"><P class="p75 ft4">och</P></TD>
<TD class="tr16 td119"><P class="p217 ft4">rådets</P></TD>
<TD colspan=2 class="tr16 td53"><P class="p130 ft6">förordning</P></TD>
<TD class="tr16 td90"><P class="p17 ft6">(EU)</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr25 td102"><P class="p90 ft3">Finansinspektionen får förelägga</P></TD>
<TD colspan=2 class="tr16 td87"><P class="p75 ft6">2015/847.</P></TD>
<TD class="tr16 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td215"><P class="p17 ft4">Om ett utländskt företag som i</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft4">ett utländskt företag <SPAN class="ft6">att göra</SPAN></P></TD>
<TD colspan=5 class="tr16 td215"><P class="p75 ft41">Sverige ger ut elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft6">rättelse, om</P></TD>
<TD class="tr16 td90"><P class="p75 ft4">eller</P></TD>
<TD colspan=4 class="tr16 td187"><P class="p17 ft4">tillhandahåller betaltjänster</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td215"><P class="p75 ft4">genom filial eller tillhandahåller</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td87"><P class="p75 ft4">betaltjänster,</P></TD>
<TD colspan=2 class="tr16 td53"><P class="p3 ft4">distribuerar</P></TD>
<TD class="tr16 td90"><P class="p17 ft41">elektro-</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td215"><P class="p75 ft41">niska pengar eller löser in elektro-</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td215"><P class="p75 ft4">niska pengar genom ombud enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p75 ft41">3 kap.</P></TD>
<TD class="tr16 td119"><P class="p217 ft4">26 §,</P></TD>
<TD class="tr16 td135"><P class="p71 ft4">inte</P></TD>
<TD class="tr16 td34"><P class="p3 ft4">driver</P></TD>
<TD class="tr16 td90"><P class="p17 ft4">denna</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td215"><P class="p75 ft4">verksamhet i enlighet med bestäm-</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td215"><P class="p75 ft4">melserna i denna lag, ska Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td215"><P class="p75 ft4">inspektionen så snart det kan ske</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td87"><P class="p75 ft4">underrätta</P></TD>
<TD class="tr16 td135"><P class="p31 ft4">den</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p17 ft4">behöriga</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td215"><P class="p75 ft4">myndigheten i företagets hemland.</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td86"><P class="p75 ft6">Finansinspektionen</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p17 ft6">får förelägga</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td215"><P class="p75 ft6"><SPAN class="ft4">företaget </SPAN>att göra rättelse, om</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td247"><P class="p90 ft6">1. det är fråga om ett företag som enligt 3 kap. 26 §</P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p82 ft6"><SPAN class="ft6">a)</SPAN><SPAN class="ft33">ger ut elektroniska pengar eller tillhandahåller betaltjänster genom filial i Sverige, eller</SPAN></P>
<P class="p82 ft6"><SPAN class="ft6">b)</SPAN><SPAN class="ft51">tillhandahåller betaltjänster, distribuerar elektroniska pengar eller löser in elektroniska pengar genom ombud i Sverige, och</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr28 td60"><P class="p62 ft3">2. utgivningen av elektroniska</P></TD>
<TD colspan=3 class="tr28 td195"><P class="p90 ft3">2. utgivningen</P></TD>
<TD class="tr28 td11"><P class="p1 ft3">av</P></TD>
<TD colspan=2 class="tr28 td138"><P class="p17 ft3">elektroniska</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">pengar eller tillhandahållandet av</P></TD>
<TD colspan=6 class="tr15 td61"><P class="p3 ft3">pengar eller tillhandahållandet av</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">betaltjänster i Sverige inte <SPAN class="ft41">bedrivs</SPAN></P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft6">betaltjänster i Sverige inte <SPAN class="ft4">drivs </SPAN>i</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft6">i enlighet med bestämmelserna i</P></TD>
<TD class="tr16 td14"><P class="p3 ft5">enlighet</P></TD>
<TD class="tr16 td20"><P class="p130 ft6">med</P></TD>
<TD colspan=4 class="tr16 td167"><P class="p17 ft5">bestämmelserna i</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft5">4 kap. denna lag eller 4 och 5 kap.</P></TD>
<TD class="tr15 td14"><P class="p3 ft3">4 kap.</P></TD>
<TD class="tr15 td20"><P class="p3 ft3">denna</P></TD>
<TD colspan=2 class="tr15 td180"><P class="p3 ft3">lag</P></TD>
<TD class="tr15 td158"><P class="p308 ft3">eller 4</P></TD>
<TD class="tr15 td67"><P class="p17 ft7">och</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p441 ft7">lagen (2010:751) om betaltjänster.</P></TD>
<TD colspan=3 class="tr16 td195"><P class="p3 ft6"><NOBR>5<SPAN class="ft4">–5</SPAN></NOBR><SPAN class="ft4"> b </SPAN>kap. lagen</P></TD>
<TD colspan=2 class="tr16 td53"><P class="p217 ft6">(2010:751)</P></TD>
<TD class="tr16 td67"><P class="p17 ft6">om</P></TD>
</TR>
<TR>
<TD class="tr21 td60"><P class="p3 ft22"> </P></TD>
<TD colspan=2 class="tr21 td84"><P class="p3 ft23">betaltjänster.</P></TD>
<TD class="tr21 td173"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td11"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td158"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td67"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p82 ft6">Om ett företag inte följer ett föreläggande enligt första eller andra stycket, ska Finansinspektionen underrätta den behöriga myndigheten i företagets hemland.</P>
<P class="p120 ft40">Om rättelse inte sker, får Finansinspektionen förbjuda företaget att ge ut elektroniska pengar eller tillhandahålla betaltjänster här i landet. Innan förbud meddelas ska inspektionen underrätta den behöriga myndigheten i företagets hemland. I brådskande fall får inspektionen meddela förbud utan föregående underrättelse till myndigheten i företagets hemland. Denna ska dock underrättas så snart det kan ske.</P>
<P class="p220 ft3">22 §</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr20 td60"><P class="p62 ft3">Om ett utländskt företag som</P></TD>
<TD class="tr20 td61"><P class="p17 ft3">Om ett utländskt företag som</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">driver verksamhet enligt 3 kap.</P></TD>
<TD class="tr15 td61"><P class="p17 ft3">driver verksamhet enligt 3 kap.</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft6"><NOBR>26<SPAN class="ft4">–</SPAN>28</NOBR> §§ har fått sitt verksam-</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">26 <SPAN class="ft41">och </SPAN>28 §§ har fått sitt verksam-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">hetstillstånd indraget i hemlandet,</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">hetstillstånd indraget i hemlandet,</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft7">ska Finansinspektionen genast för-</P></TD>
<TD class="tr15 td61"><P class="p17 ft7">ska Finansinspektionen genast för-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">bjuda företaget att ge ut elektron-</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">bjuda företaget att ge ut elektron-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft7">iska pengar eller påbörja nya betal-</P></TD>
<TD class="tr16 td61"><P class="p17 ft7">iska pengar eller påbörja nya betal-</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p442 ft7">ningstransaktioner här i landet.</P></TD>
<TD class="tr20 td61"><P class="p366 ft7">ningstransaktioner här i landet.</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p92 ft3">93</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_94">
<DIV id="dimg1">
<INGENBILD zsrc="H5037794x1.jpg/" id="img1">
</DIV>
<TABLE cellpadding=0 cellspacing=0 class="t37">
<TR>
<TD class="tr19 td48"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td236"><P class="p229 ft3">27 §</P></TD>
</TR>
<TR>
<TD class="tr16 td48"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td236"><P class="p17 ft7">Regeringen eller den myndighet som regeringen bestämmer får med-</P></TD>
</TR>
</TABLE>
<P class="p443 ft6">dela föreskrifter om</P>
<P class="p444 ft5">1. beräkningen av genomsnittligt utestående skulder enligt 2 kap. 3 § 5, 2. vad som utgör tillräckliga styr- och kontrollformer vid prövning av</P>
<P class="p443 ft3">en ansökan enligt 2 kap. 6 § första stycket 2 a,</P>
<P class="p96 ft3">3. beräkningen av kapitalkrav enligt 3 kap. 2 § första stycket,</P>
<P class="p99 ft6">4. hur institut för elektroniska pengar och registrerade utgivare ska hantera medel enligt 3 kap. 6 §,</P>
<P class="p99 ft6">5. hur institut för elektroniska pengar och registrerade utgivare ska hantera medel enligt 3 kap. 7 § andra stycket som tagits emot i utbyte mot utgivna elektroniska pengar och andra medel som tagits emot för genomförandet av betalningstransaktioner och hur stor andel av medlen hos instituten eller utgivarna som omfattas av skyddskraven enligt 3 kap. 7 § tredje och fjärde styckena,</P>
<P class="p445 ft40">6. vilka uppgifter som ska ges till Finansinspektionen enligt 3 kap. 8 §, 7. vilka uppgifter som ska anses relevanta enligt 3 kap. 9 §,</P>
<TABLE cellpadding=0 cellspacing=0 class="t38">
<TR>
<TD class="tr28 td80"><P class="p31 ft3">8. vad</P></TD>
<TD class="tr28 td123"><P class="p1 ft3">institut</P></TD>
<TD class="tr28 td70"><P class="p3 ft3">för</P></TD>
<TD colspan=2 class="tr28 td106"><P class="p21 ft7">elektroniska</P></TD>
<TD class="tr28 td72"><P class="p17 ft3">8. vad institut för elektroniska</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">pengar och registrerade utgivare</P></TD>
<TD class="tr16 td72"><P class="p17 ft6">pengar och registrerade utgivare</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">ska iaktta och vilka krav <SPAN class="ft4">som</SPAN></P></TD>
<TD class="tr15 td72"><P class="p17 ft5">ska iaktta och vilka krav institutet</P></TD>
</TR>
<TR>
<TD class="tr16 td80"><P class="p3 ft6">institutet</P></TD>
<TD class="tr16 td123"><P class="p31 ft6">eller</P></TD>
<TD colspan=2 class="tr16 td166"><P class="p70 ft6">utgivaren</P></TD>
<TD class="tr16 td123"><P class="p21 ft6">ska</P></TD>
<TD class="tr16 td72"><P class="p17 ft6">eller utgivaren ska uppfylla vid</P></TD>
</TR>
<TR>
<TD class="tr16 td80"><P class="p3 ft6">uppfylla</P></TD>
<TD colspan=3 class="tr16 td128"><P class="p3 ft6">vid uppdragsavtal</P></TD>
<TD class="tr16 td123"><P class="p21 ft6">enligt</P></TD>
<TD class="tr16 td72"><P class="p242 ft7">uppdragsavtal enligt 3 kap. 29 §,</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td198"><P class="p3 ft3">3 kap. 29 §,</P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td80"><P class="p31 ft6">9. vilka</P></TD>
<TD colspan=4 class="tr16 td124"><P class="p21 ft6">upplysningar ett <SPAN class="ft4">institut</SPAN></P></TD>
<TD class="tr16 td72"><P class="p27 ft6">9. vilka upplysningar ett <SPAN class="ft4">företag</SPAN></P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft4">för elektroniska pengar eller en</P></TD>
<TD class="tr16 td72"><P class="p27 ft5">ska lämna till Finansinspektionen</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft4">registrerad utgivare <SPAN class="ft3">ska lämna till</SPAN></P></TD>
<TD class="tr15 td72"><P class="p27 ft41"><SPAN class="ft5">enligt 2 § </SPAN>och när upplysningarna</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr21 td169"><P class="p3 ft23">Finansinspektionen</P></TD>
<TD class="tr21 td74"><P class="p72 ft62">för</P></TD>
<TD class="tr21 td123"><P class="p21 ft62">dess</P></TD>
<TD class="tr21 td72"><P class="p446 ft84">ska lämnas<SPAN class="ft24">, och</SPAN></P></TD>
</TR>
</TABLE>
<P class="p443 ft4">tillsynsverksamhet <SPAN class="ft3">enligt 2 §, och</SPAN></P>
<P class="p96 ft3">10. sådana avgifter som avses i 7 §.</P>
<P class="p447 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">Denna lag träder i kraft den 1 maj 2018.</SPAN></P>
<P class="p448 ft64"><SPAN class="ft5">2.</SPAN><SPAN class="ft96">Den som vid ikraftträdandet av denna lag har tillstånd att driva verksamhet som institut för elektroniska pengar får fortsätta verksamheten till och med den 1 november 2018. För att fortsätta verk- samheten efter det datumet krävs ett nytt tillstånd. Om en ansökan om tillstånd har getts in till Finansinspektionen före den 1 november 2018, får den berörda personen dock fortsätta med verksamheten till dess att ansökan har prövats slutligt. Om Finansinspektionen bedömer att förut- sättningarna för tillstånd är uppfyllda ska Finansinspektionen meddela tillstånd oavsett om någon ansökan om det gjorts eller inte. Finansinspek- tionen ska informera den berörda personen innan tillstånd meddelas.</SPAN></P>
<P class="p449 ft3">94</P>
</DIV>
<DIV id="page_95">
<P class="p450 ft103">2.7 Förslag till lag om ändring i lagen (2017:630) <SPAN class="ft102">Prop. 2017/18:77 </SPAN>om åtgärder mot penningtvätt och finansiering</P>
<P class="p451 ft97">av terrorism</P>
<P class="p452 ft59">Härigenom föreskrivs att 1 kap. 2 § lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism ska ha följande lydelse.</P>
<P class="p317 ft4">Nuvarande lydelse Föreslagen lydelse</P>
<P class="p453 ft42">1 kap.</P>
<P class="p454 ft3">2 §</P>
<P class="p103 ft3">Denna lag gäller för fysiska och juridiska personer som driver</P>
<P class="p408 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">bank- eller finansieringsrörelse enligt lagen (2004:297) om bank- och finansieringsrörelse,</SPAN></P>
<P class="p79 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">livförsäkringsrörelse,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">värdepappersrörelse enligt 2 kap. 1 § lagen (2007:528) om värde- pappersmarknaden,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft51">verksamhet som kräver ansökan hos Finansinspektionen enligt lagen (1996:1006) om valutaväxling och annan finansiell verksamhet eller lagen (2004:299) om inlåningsverksamhet,</SPAN></P>
<P class="p408 ft3"><SPAN class="ft5">5.</SPAN><SPAN class="ft48">försäkringsförmedling enligt lagen (2005:405) om försäkrings- förmedling, i fråga om sådan verksamhet rörande livförsäkring, bedriven av andra än anknutna försäkringsförmedlare,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">6.</SPAN><SPAN class="ft51">verksamhet för utgivning av elektroniska pengar enligt lagen (2011:755) om elektroniska pengar,</SPAN></P>
<P class="p79 ft3"><SPAN class="ft5">7.</SPAN><SPAN class="ft48">fondverksamhet enligt lagen (2004:46) om värdepappersfonder,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">8.</SPAN><SPAN class="ft51">verksamhet med att som betalningsinstitut tillhandahålla betal- tjänster enligt lagen (2010:751) om betaltjänster,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr28 td60"><P class="p62 ft3">9. verksamhet med att tillhanda-</P></TD>
<TD class="tr28 td61"><P class="p17 ft3">9. verksamhet med att tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">hålla betaltjänster enligt lagen om</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">hålla betaltjänster enligt lagen om</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft6">betaltjänster utan att vara betal-</P></TD>
<TD class="tr16 td61"><P class="p17 ft6">betaltjänster utan att vara betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p455 ft7">ningsinstitut,</P></TD>
<TD class="tr15 td61"><P class="p17 ft4"><SPAN class="ft3">ningsinstitut, </SPAN>dock inte om verk-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td61"><P class="p17 ft41">samheten uteslutande avser konto-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td61"><P class="p456 ft41">informationstjänster,</P></TD>
</TR>
</TABLE>
<P class="p457 ft6"><SPAN class="ft5">10.</SPAN><SPAN class="ft33">verksamhet som förvaltare av alternativa investeringsfonder enligt lagen (2013:561) om förvaltare av alternativa investeringsfonder,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">11.</SPAN><SPAN class="ft33">verksamhet med konsumentkrediter enligt lagen (2014:275) om viss verksamhet med konsumentkrediter,</SPAN></P>
<P class="p408 ft3"><SPAN class="ft5">12.</SPAN><SPAN class="ft32">verksamhet med bostadskrediter enligt lagen (2016:1024) om verk- samhet med bostadskrediter,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">13.</SPAN><SPAN class="ft33">verksamhet som fastighetsmäklare med fullständig registrering enligt fastighetsmäklarlagen (2011:666),</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">14.</SPAN><SPAN class="ft33">verksamhet som anordnare av kasinospel enligt kasinolagen (1999:355),</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">15.</SPAN><SPAN class="ft33">verksamhet som anordnare av speltjänster som bedrivs med till- stånd eller registrering enligt lotterilagen (1994:1000), dock inte till den del verksamheten avser anordnande av spel på varuspelsautomater enligt 25 § samma lag,</SPAN></P>
<P class="p79 ft3"><SPAN class="ft5">16.</SPAN><SPAN class="ft32">yrkesmässig handel med varor, om det kan antas att det i</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr24 td280"><P class="p3 ft3">verksamheten eller en del av verksamheten genomförs eller kommer att</P></TD>
<TD rowspan=2 class="tr39 td55"><P class="p17 ft3">95</P></TD>
</TR>
<TR>
<TD class="tr40 td280"><P class="p3 ft17"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_96">
<DIV id="dimg1">
<INGENBILD zsrc="H5037796x1.jpg/" id="img1">
</DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV id="id_1">
<P class="p458 ft3">Prop. 2017/18:77</P>
<P class="p459 ft3">96</P>
</DIV>
<DIV id="id_2">
<P class="p460 ft3">genomföras transaktioner, enstaka eller sådana som kan antas ha samband, som innebär att utbetalt eller mottaget belopp i kontanter uppgår till motsvarande 5 000 euro eller mer,</P>
<P class="p461 ft3"><SPAN class="ft7">17.</SPAN><SPAN class="ft48">verksamhet enligt pantbankslagen (1995:1000),</SPAN></P>
<P class="p462 ft6"><SPAN class="ft7">18.</SPAN><SPAN class="ft33">verksamhet som auktoriserad eller godkänd revisor eller registrerat revisionsbolag,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft7">19.</SPAN><SPAN class="ft33">yrkesmässig verksamhet som avser bokföringstjänster eller revisionstjänster som inte omfattas av 18,</SPAN></P>
<P class="p462 ft3"><SPAN class="ft7">20.</SPAN><SPAN class="ft32">yrkesmässig rådgivning avseende skatter och avgifter (skatte- rådgivare),</SPAN></P>
<P class="p462 ft6"><SPAN class="ft7">21.</SPAN><SPAN class="ft33">yrkesmässig verksamhet som advokat eller biträdande jurist på advokatbyrå, till den del verksamheten avser tjänster som anges i 4 § första stycket,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft7">22.</SPAN><SPAN class="ft33">yrkesmässig verksamhet som annan oberoende jurist än som avses i 21, till den del verksamheten avser tjänster som anges i 4 § första stycket, eller</SPAN></P>
<P class="p462 ft3"><SPAN class="ft7">23.</SPAN><SPAN class="ft32">yrkesmässig verksamhet till den del verksamheten avser tjänster som anges i 4 § andra stycket och verksamhetsutövaren inte är en sådan person som avses i </SPAN><NOBR>18–22.</NOBR></P>
<P class="p463 ft59">Vissa speltjänster får undantas från tillämpning av lagen eller bestäm- melser i den enligt föreskrifter som meddelas med stöd av 8 kap. 1 § 1.</P>
<P class="p464 ft3">Denna lag träder i kraft den 1 maj 2018.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_97">
<TABLE cellpadding=0 cellspacing=0 class="t60">
<TR>
<TD class="tr27 td135"><P class="p465 ft31">3</P></TD>
<TD class="tr27 td281"><P class="p48 ft1">Ärendet och dess beredning</P></TD>
<TD class="tr27 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
</TABLE>
<P class="p466 ft5">I november 2015 antogs Europaparlamentets och rådets direktiv (EU) 2015/2366 av den 25 november 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG (i det följande benämnt andra betaltjänstdirektivet), se <SPAN class="ft41">bilaga 1</SPAN>. Genom direktivet upphävs Europaparlamentets och rådets direktiv 2007/64/EG av den 13 november 2007 om betaltjänster på den inre marknaden och om ändring av direktiven 97/7/EG, 2002/65/EG, 2005/60/EG och 2006/48/EG samt upphävande av direktiv 97/5/EG (i det följande benämnt första betaltjänstdirektivet). Regler i första betaltjänst- direktivet har förts över till andra betaltjänstdirektivet. Första betaltjänst- direktivet har genomförts i svensk rätt genom lagen (2010:751) om betal- tjänster (i det följande benämnd betaltjänstlagen) och lagen (2010:738) om obehöriga transaktioner med betalningsinstrument.</P>
<P class="p467 ft59">Under förhandlingarna om andra betaltjänstdirektivet upprättades en faktapromemoria som överlämnades till riksdagen (2012/13:FPM156).</P>
<P class="p12 ft6">Regeringen beslutade den 1 april 2015 att ge en särskild utredare i upp- drag att bl.a. lämna förslag till de lagändringar som krävs för att i svensk rätt genomföra andra betaltjänstdirektivet (dir. 2015:39). Utredningen antog namnet 2015 års betaltjänstutredning. I augusti 2016 överlämnade utredningen sitt betänkande Betaltjänster, förmedlingsavgifter och grund- läggande betalkonton (SOU 2016:53), efter att tidigare ha lämnat del- rapporterna Förmedlingsavgifter vid kortbetalningar (Fi2015/03943/B) och Tillgång till betalkonto med grundläggande funktioner (Fi2016/00127/B). En sammanfattning av betänkandet och utredningens lagförslag finns i <SPAN class="ft4">bilagorna 2 </SPAN>och <SPAN class="ft4">3</SPAN>.</P>
<P class="p57 ft40">Betänkandet har remissbehandlats. En förteckning över remissinstans- erna finns i <SPAN class="ft39">bilaga 4</SPAN>. En sammanställning av remissvaren finns tillgäng- lig i Finansdepartementet (Fi2016/03003/B).</P>
<P class="p12 ft76">I <SPAN class="ft50">bilaga 7 </SPAN>finns en uppställning som visar vilka bestämmelser som i svensk rätt genomför andra betaltjänstdirektivet.</P>
<P class="p468 ft4">Lagrådet</P>
<P class="p469 ft3">Regeringen beslutade den 9 november 2017 att inhämta Lagrådets yttrande över de lagförslag som finns i <SPAN class="ft4">bilaga 5</SPAN>. Lagrådets yttrande finns i <SPAN class="ft4">bilaga 6</SPAN>.</P>
<P class="p57 ft5">Regeringen har i propositionen i huvudsak följt Lagrådets förslag och synpunkter. Lagrådets förslag och synpunkter behandlas i avsnitten 5.3.6, 5.3.11, 5.3.16, 6.4.1, 6.5, 7.2.5, 7.2.9, 8.2, 8.4.1, 8.4.4, 8.4.6, 9.2, 11.2.2, 11.4, 13.1.3, 13.2.5, 14.4, 14.11.1, 14.12, 14.18, 15.2.1, 15.2.2, 15.2.3, 15.2.4 och 15.2.5 och i författningskommentaren.</P>
<P class="p174 ft5">Efter Lagrådets granskning har ändringar gjorts i 3 kap. 18 a och 20 §§ och 8 kap. 21 § betaltjänstlagen, i 1 § marknadsföringslagen (2008:486) samt i 3 kap. 19 a och 21 §§ lagen (2011:755) om elektroniska pengar. Regeringen bedömer att dessa ändringar både författningstekniskt och även i övrigt, är av sådan beskaffenhet att Lagrådets hörande skulle sakna betydelse. Lagrådets yttrande har därför inte inhämtats.</P>
<P class="p470 ft3">97</P>
</DIV>
<DIV id="page_98">
<TABLE cellpadding=0 cellspacing=0 class="t61">
<TR>
<TD class="tr22 td28"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p31 ft3">I förhållande till lagrådsremissen har det dessutom gjorts några</P></TD>
</TR>
<TR>
<TD class="tr20 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft3">språkliga och redaktionella ändringar i lagtexten.</P></TD>
</TR>
</TABLE>
<P class="p471 ft105"><SPAN class="ft31">4</SPAN><SPAN class="ft104">Berörda regelverk och allmänna utgångspunkter</SPAN></P>
<P class="p472 ft97"><SPAN class="ft35">4.1</SPAN><SPAN class="ft106">Bakgrund</SPAN></P>
<P class="p473 ft6">Betalningsförmedling är en av de viktigaste funktionerna i det finansiella systemet. Betalningsförmedling har i Sverige traditionellt hanterats inom bankväsendet och bankernas kontosystem utgör fortfarande grunden för betalningssystemet. Emellertid förmedlas betalningar numera också av företag i andra branscher.</P>
<P class="p474 ft5">Varje betalning är en överföring av ett penningbelopp från en avsän- dare till en mottagare. Hur överföringen görs beror på vilket betalnings- sätt som parterna väljer. En grundläggande distinktion är den mellan kontantbaserade betalningar och kontobaserade betalningar.</P>
<P class="p163 ft6">En annan distinktion är den mellan stora betalningar och massbetal- ningar. Stora betalningar avser överföringar av betydande belopp, över tio miljoner kronor, vilka främst sker mellan banker och clearing- organisationer. Dessa betalningar är relativt få till antalet. Massbetalningar avser däremot ofta små belopp men initieras i stort antal av enskilda företag och privatpersoner.</P>
<P class="p474 ft5">De vanligaste sätten att betala i Sverige är med kort, autogiro, gireringar och kontanter. Kontobaserade betalningar innebär att medel flyttas mellan två konton i en eller två banker genom t.ex. en girering, en överföring med autogiro eller en kortbetalning. Vid girering används ett särskilt bank- eller plusgironummer för identifiering av mottagaren, samtidigt som det vanligtvis också anges ett <NOBR>OCR-nummer</NOBR> som gör det möjligt för mottagaren att identifiera betalningen. Autogiro innebär att betalnings- mottagaren och betalningsavsändaren har ingått avtal om automatisk debitering av betalarens bankkonto. Kortbetalningar kan genomföras på flera sätt. Vid betalning med bankkort debiteras kortinnehavarens bank- konto direkt. När betalkort används debiteras inte kortinnehavarens konto direkt utan i stället samlar kortutgivaren inköpen för en viss period och fakturerar sedan kortinnehavaren det sammanlagda beloppet för perioden. Ett kreditkort fungerar som ett betalkort men ger kortinnehavaren möjlighet till kredit och till att på så sätt betala skuldbeloppet i efterhand. Gemensamt för de beskrivna betalningssätten är att de initierar en över- föring mellan två konton hos en eller flera betalningsförmedlare som i sin tur vidtar åtgärder för att medel ska föras över. För att kontobaserade betalningar ska kunna genomföras krävs alltså att en eller flera mellan- händer medverkar.</P>
<P class="p475 ft64">Utöver de vanligaste betalningssätten har det under senare år utvecklats andra sätt att genomföra betalningar. Utvecklingen sker främst inom kortbetalningar och betalningar via mobiltelefoner samt genom förbätt-</P>
<P class="p201 ft107">ringar i de tekniska system som förmedlar och behandlar betalningarna. Ett</P>
<P class="p15 ft3">98</P>
</DIV>
<DIV id="page_99">
<P class="p476 ft3">exempel på en mobil betaltjänst är applikationen Swish, som flera Prop. 2017/18:77 svenska banker ger ut till sina kunder för betalningar i realtid mellan</P>
<P class="p477 ft70">privatpersoner eller mellan privatpersoner och mindre företag eller föreningar. För att Swish ska fungera krävs att både avsändaren och mottagaren är anslutna till Swish med sina respektive bankkonton i någon av de deltagande bankerna. Mottagaren identifieras genom att den som ska betala anger mottagarens mobiltelefonnummer. Auktorisationen av betal- ningen sköts med hjälp av <NOBR>e-legitimationen</NOBR> Mobilt BankID.</P>
<P class="p478 ft3">Det finns också ett ökat intresse att erbjuda betaltjänster hos andra företag än banker, t.ex. telekomoperatörer och företag som tillhandahåller internetbaserade tjänster.</P>
<P class="p478 ft6">Kontobaserade betalningar hanteras i olika betalningssystem. Alla stora banker och clearingorganisationer i Sverige deltar i Riksbankens betalnings- system RIX. Över bankernas konton i RIX görs både betalningar direkt mellan bankerna och den slutliga avvecklingen av betalningsuppdrag från bankkunderna. Alla betalningar som innefattar en överföring från ett konto i en bank till ett konto i en annan bank hanteras och avvecklas i <NOBR>RIX-systemet.</NOBR></P>
<P class="p479 ft64">Massbetalningar mellan bankerna hanteras i Sverige i bankgirosystemet som drivs av Bankgirocentralen (BGC). I bankgirosystemet hanteras och avvecklas bl.a. girobetalningar och autogirobetalningar. Dessutom han- terar BGC betalningar som har initierats i vissa andra system. På uppdrag av Svenska Bankföreningen driver BGC Dataclearingen, som är ett system för bl.a. vanliga banköverföringar från konto till konto. BGC driver sedan 2012 även betalningssystemet Betalningar i Realtid (BiR). I detta system genomförs clearing och avveckling i realtid, vilket innebär att pengar kan föras direkt mellan olika konton.</P>
<P class="p480 ft37">4.2 Första betaltjänstdirektivet och motsvarande svensk reglering</P>
<TABLE cellpadding=0 cellspacing=0 class="t62">
<TR>
<TD class="tr22 td280"><P class="p3 ft3">Till grund för det nuvarande svenska regelverket om betaltjänster ligger</P></TD>
<TD class="tr22 td55"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td280"><P class="p3 ft6">första betaltjänstdirektivet. Direktivets huvudsakliga syfte var att uppnå</P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td280"><P class="p3 ft6">en mer harmoniserad inre marknad för betaltjänster och göra betalningar</P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td280"><P class="p3 ft3">inom Europeiska ekonomiska samarbetsområdet (EES) lika enkla,</P></TD>
<TD class="tr15 td55"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td280"><P class="p3 ft6">effektiva och säkra som nationella betalningar.</P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td280"><P class="p90 ft6">Direktivet har genomförts i svensk rätt genom betaltjänstlagen och</P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td280"><P class="p3 ft3">lagen om obehöriga transaktioner med betalningsinstrument.</P></TD>
<TD class="tr15 td55"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td280"><P class="p90 ft6">Betaltjänstlagen innehåller bestämmelser om betaltjänster som till-</P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td280"><P class="p3 ft6">handahålls i Sverige och utförs inom EES i euro eller i någon annan av</P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td280"><P class="p3 ft3"><NOBR>EES-ländernas</NOBR> valutor. I lagen finns också bestämmelser om betalnings-</P></TD>
<TD class="tr15 td55"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td280"><P class="p3 ft6">institut och registrerade betaltjänstleverantörer. Lagen innehåller vidare</P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td280"><P class="p3 ft6">bestämmelser om tillståndsplikt för tillhandahållande av betaltjänster,</P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td280"><P class="p3 ft3">betalningsinstituts och registrerade betaltjänstleverantörers rörelse,</P></TD>
<TD class="tr15 td55"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td280"><P class="p3 ft6">informationskrav vid tillhandahållande av betaltjänster, genomförande av</P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td280"><P class="p3 ft6">betaltjänster, behandling av personuppgifter, tillträde till betalnings-</P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td280"><P class="p3 ft3">system samt tillsyn och ingripanden. Föreskrifter som kompletterar lagen</P></TD>
<TD class="tr15 td55"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td280"><P class="p3 ft6">finns i förordningen (2010:1008) om betaltjänster (i det följande</P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td280"><P class="p3 ft3">benämnd betaltjänstförordningen) och Finansinspektionens föreskrifter och</P></TD>
<TD rowspan=2 class="tr33 td55"><P class="p17 ft3">99</P></TD>
</TR>
<TR>
<TD class="tr41 td280"><P class="p3 ft108"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_100">
<P class="p481 ft76">Prop. 2017/18:77 allmänna råd (FFFS 2010:3) om betalningsinstitut och registrerade betal- tjänstleverantörer.</P>
<P class="p482 ft3">I lagen om obehöriga transaktioner med betalningsinstrument regleras de skyldigheter som en kontohavare har vid användningen av ett betal- ningsinstrument och vilket betalningsansvar som gäller vid obehöriga transaktioner.</P>
<P class="p483 ft97"><SPAN class="ft35">4.3</SPAN><SPAN class="ft106">Andra betaltjänstdirektivet</SPAN></P>
<P class="p484 ft110"><SPAN class="ft42">4.3.1</SPAN><SPAN class="ft109">Motiv och syfte</SPAN></P>
<P class="p485 ft40">I november 2015 antog Europaparlamentet och rådet andra betaltjänst- direktivet. Genom direktivet upphävs första betaltjänstdirektivet. Regler i första betaltjänstdirektivet har förts över till andra betaltjänstdirektivet.</P>
<P class="p486 ft5">Andra betaltjänstdirektivet syftar huvudsakligen till att bidra till att utveckla en <NOBR>EU-omfattande</NOBR> marknad för elektroniska betalningar och till att skapa bättre förutsättningar för säkra och effektiva betalningar. I motiven till förslaget till direktivet (COM(2013) 547 final) anges bl.a. att konsumenterna under de senaste åren har ändrat sina betalningsvanor avsevärt. Förutom det växande antalet kortbetalningar har <NOBR>e-handeln</NOBR> och de smarta telefonerna banat väg för nya betalningssätt. En harmoniserad marknad bör uppnås genom att den rättsliga ramen för betaltjänster uppdateras och kompletteras med regler för ökad insyn, innovation och säkerhet när det gäller massbetalningar.</P>
<P class="p482 ft6">I skälen till andra betaltjänstdirektivet anges bl.a. följande om direk- tivets syfte. Den fortsatta utvecklingen av en integrerad inre marknad för säkra elektroniska betalningar är avgörande för att främja tillväxt i unionens ekonomi (skäl 5). Likvärdiga driftvillkor bör säkerställas för både befintliga och nya aktörer på marknaden genom åtgärder som gör det möjligt för nya betalningsmetoder att nå ut till en större marknad. Detta bör öka effektiviteten inom betalningssystemet och leda till större valfrihet och bättre insyn när det gäller betaltjänster, samtidigt som konsumenternas förtroende för en harmoniserad betalningsmarknad stärks (skäl 6).</P>
<P class="p487 ft40">Säkerhetsrisker som är relaterade till elektroniska betalningar har ökat under de senaste åren. Detta beror på att elektroniska betalningar har blivit mer tekniskt komplicerade samtidigt som nya betaltjänster har utvecklats. Säkra betaltjänster är en grundläggande förutsättning för en välfungerande marknad för betaltjänster. Betaltjänstanvändarna bör där- för skyddas mot sådana säkerhetsrisker (skäl 7).</P>
<P class="p488 ft110"><SPAN class="ft42">4.3.2</SPAN><SPAN class="ft109">Innehåll</SPAN></P>
<P class="p485 ft70">I andra betaltjänstdirektivet utvidgas termen betaltjänst till att omfatta även betalningsinitieringstjänster och kontoinformationstjänster. Tillämp- ningsområdet utökas också i fråga om geografiskt område och valutor. Vidare ger direktivet betalningsinstitut och registrerade betaltjänstleveran- törer rätt till tillgång till kreditinstitutens betalkontotjänster på objektiva,</P>
<P class="p489 ft3"><NOBR>icke-diskriminerande</NOBR> och proportionella grunder och i den omfattning</P>
<P class="p15 ft3">100</P>
</DIV>
<DIV id="page_101">
<P class="p490 ft3">som krävs för att dessa företag effektivt och obehindrat ska kunna Prop. 2017/18:77 tillhandahålla betaltjänster.</P>
<P class="p57 ft5">Direktivet innehåller också flera nya regler om säkerhet och hantering av risker i samband med betaltjänstleverantörers kommunikation med betaltjänstanvändare, t.ex. i fråga om en betalningstransaktion. Utöver de nämnda områdena medför direktivet även ändringar på andra områden som regleras i första betaltjänstdirektivet.</P>
<P class="p174 ft5">Andra betaltjänstdirektivet är disponerat enligt följande. Den inledande avdelningen behandlar syfte, tillämpningsområde och definitioner (artik- larna <NOBR>1–4).</NOBR> I avdelning II i direktivet regleras bl.a. de krav som ställs på betaltjänstleverantörer (artiklarna <NOBR>5–37).</NOBR> I avdelning III finns regler om villkor och informationskrav för betaltjänster (artiklarna <NOBR>38–60).</NOBR> Avdel- ning IV innehåller regler om rättigheter och skyldigheter i samband med tillhandahållandet och användandet av betaltjänster (artiklarna <NOBR>61–103).</NOBR> Avdelning V innehåller bestämmelser om delegerade akter (artiklar- na <NOBR>104–106).</NOBR> Slutligen innehåller avdelning VI avslutande bestämmelser (artiklarna <NOBR>107–115).</NOBR></P>
<P class="p491 ft112"><SPAN class="ft42">4.3.3</SPAN><SPAN class="ft111">Förhållandet mellan andra betaltjänstdirektivet och </SPAN><NOBR>e-penningdirektivet</NOBR></P>
<P class="p492 ft6">I september 2009 antog Europaparlamentet och rådet direktiv 2009/110/EG av den 16 september 2009 om rätten att starta och driva affärsverksamhet i institut för elektroniska pengar samt om tillsyn av sådan verksamhet, om ändring av direktiven 2005/60/EG och 2006/48/EG och om upphävande av direktiv 2000/46/EG (i det följande benämnt <NOBR>e-penningdirektivet).</NOBR></P>
<P class="p11 ft3"><NOBR>E-penningdirektivet</NOBR> har i svensk rätt genomförts i lagen (2011:755) om elektroniska pengar som innehåller bestämmelser om utgivning av elektroniska pengar samt om institut för elektroniska pengar och registre- rade utgivare.</P>
<P class="p12 ft6">I andra betaltjänstdirektivet regleras genomförande av betal- ningstransaktioner där medlen är elektroniska pengar enligt definitionen i <NOBR>e-penningdirektivet.</NOBR> Däremot regleras själva utgivningen av elektroniska pengar i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p58 ft3">I andra betaltjänstdirektivet görs flera ändringar i <NOBR>e-penningdirektivet</NOBR> (artikel 111). Ändringarna rör främst frågor om tillståndskrav och andra rörelsekrav, men det görs även ändringar i <NOBR>e-penningdirektivets</NOBR> tillsyns- och övergångsbestämmelser (se närmare i avsnitt 14.18).</P>
<P class="p493 ft37"><SPAN class="ft35">4.4</SPAN><SPAN class="ft36">Rättsakter som antas av kommissionen och riktlinjer och rekommendationer från Europeiska bankmyndigheten</SPAN></P>
<P class="p494 ft64">I andra betaltjänstdirektivet finns det bemyndiganden för kommissionen att anta ett antal delegerade akter och genomförandeakter (artiklarna 5.6, 15.4, 15.5, 28.5, 29.7, 95.4, 98, 104 och 105). I de delegerade akterna och</P>
<P class="p54 ft113">genomförandeakterna (i det följande benämnda genomförandeåtgärder)</P>
<P class="p160 ft3">101</P>
</DIV>
<DIV id="page_102">
<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=6 class="tr22 td93"><P class="p3 ft3">finns detaljerade regler som kompletterar de ramregler som finns i</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft7">direktivet. En genomförandeåtgärd som kommissionen antar i form av en</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft6">förordning är, i likhet med en förordning som antas av Europaparla-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td282"><P class="p3 ft6">mentet och rådet, direkt tillämplig i medlemsstaterna.</P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p17 ft5">Genomförandeåtgärderna utgörs till stor del av s.k. tekniska standarder</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft7">som utarbetas av Europeiska bankmyndigheten (i det följande benämnd</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft5">Eba) och sedan antas av kommissionen (se artiklarna 5.6, 15.4, 15.5,</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft5">28.5, 29.5, 29.6, 29.7, 95.4 och 98) i enlighet med det förfarande som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft5">beskrivs i Europaparlamentets och rådets förordning (EU) nr 1093/2010</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft6">av den 24 november 2010 om inrättande av en europeisk tillsyns-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft3">myndighet (Europeiska bankmyndigheten), om ändring av beslut nr</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft7">716/2009/EG och om upphävande av kommissionens beslut 2009/78/EG</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft5">(i det följande benämnd Ebaförordningen). Det är antingen fråga om tek-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft5">niska standarder för tillsyn (artikel 10 i Ebaförordningen) eller tekniska</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td282"><P class="p3 ft6">standarder för genomförande (artikel 15 i förordningen).</P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p17 ft6">I andra fall kan kommissionen anta genomförandeåtgärder (i form av</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft5">delegerade akter) som inte föregås av förslag från Eba (se artikel 104 i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td276"><P class="p3 ft6">andra betaltjänstdirektivet).</P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p17 ft5">Enligt andra betaltjänstdirektivet har Europaparlamentet och rådet rätt</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft3">att när som helst återkalla kommissionens bemyndigande att anta</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft5">delegerade akter (artikel 105.3). Europaparlamentet och rådet har också</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft5">rätt att invända mot de delegerade akter som antagits av kommissionen</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft5">under en period på tre månader efter antagandet (artikel 105.5). Denna</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft6">period kan på Europaparlamentets eller rådets initiativ förlängas med</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft6">tre månader.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p17 ft3">Kommissionen har antagit ett antal genomförandeåtgärder till andra</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft6">betaltjänstdirektivet. Delegerade akter, både sådana som slutligen</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft6">antagits och publicerats och sådana som fortfarande är på ett</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td190"><P class="p3 ft3">förberedande</P></TD>
<TD class="tr15 td78"><P class="p3 ft3">stadium,</P></TD>
<TD class="tr15 td123"><P class="p3 ft3">finns</P></TD>
<TD class="tr15 td75"><P class="p3 ft3">på</P></TD>
<TD class="tr15 td112"><P class="p3 ft3">kommissionens</P></TD>
<TD class="tr15 td104"><P class="p27 ft7">webbplats</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td282"><P class="p3 ft6">(https://webgate.ec.europa.eu/regdel/#/home).</P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p27 ft6">Enligt Ebaförordningen får Eba även utfärda riktlinjer och rekommen-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft3">dationer till behöriga myndigheter och finansiella företag (artikel 16).</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft7">Riktlinjerna ska syfta till en konsekvent harmonisering inom de områden</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft7">som anges i den aktuella rättsakten. I andra betaltjänstdirektivet ges Eba i</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft5">uppdrag att ta fram riktlinjer på några områden (artiklarna 5.4, 5.5, 95.3,</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft6">96.3 och 100.6). Riktlinjer och rekommendationer är inte rättsligt</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft6">bindande men enligt Ebaförordningen (artikel 16.3) ska de behöriga</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft5">myndigheterna och aktörerna på finansmarknadsområdet med alla till-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft5">gängliga medel försöka följa dem. Myndigheter, och i vissa fall aktörerna</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft5">på finansmarknadsområdet, kommer att vara skyldiga att bekräfta att de</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft3">följer riktlinjer och rekommendationer eller förklara varför de inte gör</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p17 ft6">De riktlinjer som Eba antar publiceras på myndighetens webbplats</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td225"><P class="p3 ft3">(https://www.eba.europa.eu/).</P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td104"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p17 ft5">I anslutning till de förslag som lämnas eller de bedömningar som görs i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft5">denna proposition när det gäller genomförandet i svensk rätt av andra</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft3">betaltjänstdirektivet, görs hänvisningar till riktlinjer, delegerade akter</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft6">eller genomförandeakter som innehåller ytterligare regler. I de fall en</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td93"><P class="p3 ft7">rättsakt antagits av kommissionen men ännu inte publicerats i Europeiska</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td93"><P class="p3 ft3">unionens officiella tidning (EUT) och i samband därmed översatts till</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">102</P></TD>
<TD colspan=5 class="tr28 td282"><P class="p3 ft3">svenska, anges i propositionen det engelska namnet.</P></TD>
<TD class="tr28 td104"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_103">
<TABLE cellpadding=0 cellspacing=0 class="t64">
<TR>
<TD class="tr27 td153"><P class="p496 ft35">4.5</P></TD>
<TD class="tr27 td283"><P class="p3 ft97">Allmänna utgångspunkter</P></TD>
<TD class="tr27 td146"><P class="p217 ft3">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr39 td153"><P class="p169 ft42">4.5.1</P></TD>
<TD class="tr39 td283"><P class="p3 ft110">Ändringar i svensk rätt med anledning av andra</P></TD>
<TD class="tr39 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p3 ft110">betaltjänstdirektivet</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
<TD class="tr42 td146"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens bedömning: </SPAN>Det bör inte införas krav i svensk rätt som</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">går längre än kraven i andra betaltjänstdirektivet om det inte finns</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">konkreta skäl som talar för det.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p497 ft3">De nya termer och uttryck som införs med anledning av andra</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">betaltjänstdirektivet bör så nära som möjligt ansluta sig till de termer</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td286"><P class="p41 ft3">och uttryck som används i direktivet.</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td93"><P class="p297 ft7"><SPAN class="ft115">Utredningens bedömning </SPAN>överensstämmer med regeringens bedöm-</P></TD>
<TD class="tr2 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td153"><P class="p3 ft3">ning.</P></TD>
<TD class="tr15 td283"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p297 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker bedömningen eller har inget att invända</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td153"><P class="p3 ft6">mot den.</P></TD>
<TD class="tr16 td283"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p297 ft78">Skälen för regeringens bedömning: <SPAN class="ft5">Ett </SPAN><NOBR><SPAN class="ft5">EU-direktiv</SPAN></NOBR><SPAN class="ft5"> är bindande för</SPAN></P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">medlemsstaterna med avseende på det resultat som ska uppnås men</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">överlåter åt medlemsstaterna att bestämma form och tillvägagångssätt för</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">genomförandet. Detta innebär att medlemsstaterna inte är bundna av t.ex.</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">direktivets terminologi och systematik. Avgörande är att lagstiftningen</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">uppnår det resultat i sak som direktivet syftar till.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p297 ft5">Andra betaltjänstdirektivet är avsett att åstadkomma en fullharmoni-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">sering av den inre marknaden för betaltjänster inom Europeiska unionen</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">(artikel 107). Detta innebär att handlingsutrymmet för medlemsstaterna är</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">begränsat. I direktivet ges medlemsstaterna i vissa fall uttryckliga</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">möjligheter att välja mellan olika alternativ. Om syftet med direktivet –</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">att nå en harmonisering av den inre marknaden för betaltjänster – ska</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">kunna uppnås, bör utnyttjandet av särlösningar minimeras. Regeringen</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">anser därför att en utgångspunkt vid genomförandet av direktivet bör vara</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">att det i svensk rätt inte bör ställas upp några krav som går längre än</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">kraven i direktivet om det inte finns starka skäl för det. Avvikelser bör</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">alltså göras endast i undantagsfall.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p297 ft5">I den uppdatering av regelverket som andra betaltjänstdirektivet inne-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">bär har en stor del av reglerna i första betaltjänstdirektivet överförts i sak</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">mer eller mindre oförändrade. I dessa delar finns det i de allra flesta fall</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">inte någon anledning att ändra nuvarande bestämmelser i svensk rätt. Om</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">det inte uttryckligen anges något annat i denna proposition innebär det att</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">regeringen ansluter sig till den bedömning som gjordes vid genom-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">förandet i svensk rätt av första betaltjänstdirektivet. I dessa fall berörs</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">relevanta artiklar inte närmare i propositionen. I stället framgår det av</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">parallelluppställningen hur de har genomförts (se <SPAN class="ft4">bilaga 7</SPAN>).</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p297 ft7">I några avseenden innehåller andra betaltjänstdirektivet samma möjlig-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">heter till särlösningar som första betaltjänstdirektivet, t.ex. i fråga om</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">möjligheten att likställa mikroföretag med konsumenter vid genom-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">förandet av direktivets regler om informationsgivning. Regeringen anser</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">även i dessa fall att det inte finns skäl att göra någon annan bedömning</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">vid genomförandet av andra betaltjänstdirektivet än den som gjordes när</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">första betaltjänstdirektivet genomfördes i svensk rätt.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p297 ft3">När andra betaltjänstdirektivet ska genomföras i svensk rätt kan</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td93"><P class="p3 ft7">antingen termer och uttryck anpassas så långt det är möjligt till ett språk-</P></TD>
<TD rowspan=2 class="tr22 td146"><P class="p17 ft3">103</P></TD>
</TR>
<TR>
<TD class="tr43 td153"><P class="p3 ft116"> </P></TD>
<TD class="tr43 td283"><P class="p3 ft116"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_104">
<DIV id="dimg1">
<INGENBILD zsrc="H50377104x1.jpg/" id="img1">
</DIV>
<P class="p498 ft6">Prop. 2017/18:77 bruk som ligger närmare svensk lagstiftningstradition eller följa den terminologi som används i direktivet. Eftersom direktivet kompletteras av regler i genomförandeåtgärder, som kommissionen kommer att anta i form av direkt tillämpliga förordningar som innehåller hänvisningar till många av termerna och uttrycken i direktivet, skulle det medföra problem att i svensk lagstiftning avvika alltför mycket från dessa. Detta är i sig ett skäl att följa terminologin i direktivet.</P>
<P class="p499 ft5">Det finns även anledning att beakta förändringstakten i den <NOBR>EU-rätts-</NOBR> liga regleringen. Under senare år har Europaparlamentet och rådet antagit en stor mängd direktiv och förordningar på bankområdet som antingen innebär helt ny <NOBR>EU-rättslig</NOBR> reglering eller ändringar av befintliga rätts- akter. I många fall är det grundläggande direktiv och förordningar som har tillkommit eller ändrats. Även kompletterande rättsakter (delegerade förordningar och direktiv eller genomförandeförordningar som kommis- sionen antar) och riktlinjer och rekommendationer som Eba antar ändras i minst samma omfattning. Om det i svensk rätt används en terminologi som ligger nära den i direktivet underlättar det både tolkningen och tillämpningen av svenska författningar i förhållande till de förändringar som sker i <NOBR>EU-rätten.</NOBR></P>
<P class="p500 ft6">Övervägande skäl talar enligt regeringens uppfattning därför för att terminologin i svensk rätt så långt som möjligt ska stämma överens med den i andra betaltjänstdirektivet (motsvarande bedömning har gjorts vid genomförandet i svensk rätt av andra <NOBR>EU-direktiv,</NOBR> se t.ex. prop. 2012/13:155 s. 184 och prop. 2016/17:162 s. 242 f.).</P>
<P class="p501 ft5">Andra betaltjänstdirektivet innebär att en rad nya regler har tillkommit i förhållande till första betaltjänstdirektivet (se avsnitt 4.3.2). I denna proposition föreslås att det ska införas ett antal nya bestämmelser i betaltjänstlagen som bl.a. avser betalningsinitieringstjänster och konto- informationstjänster (se avsnitt 7) samt operativa risker, säkerhetsrisker och autentisering (se avsnitt 11). I propositionen föreslås även vissa omdisponeringar av befintliga bestämmelser, huvudsakligen i 5 kap. betaltjänstlagen. De nya bestämmelserna om operativa risker och stark kundautentisering ska enligt förslaget införas i ett nytt kapitel, 5 b kap., i samma lag (se avsnitt 11).</P>
<P class="p502 ft110"><SPAN class="ft42">4.5.2</SPAN><SPAN class="ft109">Hänvisningar till </SPAN><NOBR>EU-rättsakter</NOBR></P>
<P class="p503 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Hänvisningarna till <NOBR>EU-förordningar</NOBR> i de bestämmelser som föreslås ska vara dynamiska, dvs. avse förord- ningarna i den vid varje tidpunkt gällande lydelsen. Hänvisningar till <NOBR>EU-direktiv</NOBR> ska vara statiska, dvs. avse direktivet i den vid en viss tidpunkt gällande lydelsen.</P>
<P class="p504 ft3"><SPAN class="ft42">Utredningen </SPAN>behandlar inte frågan.</P>
<P class="p505 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tar inte upp frågan.</P>
<P class="p486 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Flera av förslagen i denna proposition innebär att det i lag införs hänvisningar till regler i andra betal- tjänstdirektivet och till andra <NOBR>EU-rättsakter.</NOBR> Hänvisningar till <NOBR>EU-rätts-</NOBR> akter kan göras antingen statiska eller dynamiska. En statisk hänvisning</P>
<P class="p489 ft107">innebär att hänvisningen avser <NOBR>EU-rättsakten</NOBR> i en viss angiven lydelse.</P>
<P class="p15 ft3">104</P>
</DIV>
<DIV id="page_105">
<P class="p490 ft3">En dynamisk hänvisning innebär att hänvisningen avser <NOBR>EU-rättsakten</NOBR> i Prop. 2017/18:77 den vid varje tidpunkt gällande lydelsen.</P>
<P class="p12 ft6">I lagförslagen i denna proposition är hänvisningarna till <NOBR>EU-förord-</NOBR> ningar dynamiska medan hänvisningarna till <NOBR>EU-direktiv</NOBR> är statiska, vilket överensstämmer med den hänvisningsteknik som har använts i senare propositioner (jfr t.ex. prop. 2016/17:22 s. 96 f. och prop. 2016/17:162 s. 244 f.).</P>
<P class="p12 ft3">Eftersom ändringar i <NOBR>EU-direktiv</NOBR> bör föranleda överväganden av lag- stiftaren om huruvida lagen behöver ändras görs hänvisningar till sådana <NOBR>EU-rättsakter</NOBR> statiska.</P>
<P class="p57 ft5">För att säkerställa att ändringar i <NOBR>EU-förordningar</NOBR> får omedelbart genomslag är det ändamålsenligt att hänvisningar dit görs dynamiska. Det gäller t.ex. hänvisningar till Europaparlamentets och rådets förord- ning (EU) nr 575/2013 av den 26 juni 2013 om tillsynskrav för kredit- institut och värdepappersföretag och om ändring av förordning (EU) nr 648/2012 (i det följande benämnd tillsynsförordningen), och Europa- parlamentets och rådets förordning (EU) 2015/751 av den 29 april 2015 om förmedlingsavgifter för kortbaserade betalningstransaktioner (i det följande benämnd <NOBR>EU-förordningen</NOBR> om förmedlingsavgifter).</P>
<P class="p11 ft3">I författningskommentarerna till de bestämmelser där det görs hänvis- ningar till <NOBR>EU-rättsakter</NOBR> anges det uttryckligen om den aktuella hänvis- ningen är statisk eller dynamisk (se avsnitt 17).</P>
<P class="p506 ft1"><SPAN class="ft31">5</SPAN><SPAN class="ft34">Definitioner</SPAN></P>
<P class="p507 ft97"><SPAN class="ft35">5.1</SPAN><SPAN class="ft117">Inledning</SPAN></P>
<P class="p508 ft3">Andra betaltjänstdirektivet innehåller definitioner av ett antal termer och uttryck av central betydelse (artikel 4). Flera av dessa definitioner finns även i första betaltjänstdirektivet (artikel 4), och har i svensk rätt genom- förts i betaltjänstlagen (1 kap. 4 §).</P>
<P class="p57 ft5">Andra betaltjänstdirektivet innebär bl.a. att definitionen av betaltjänst (jfr 1 kap. 2 § betaltjänstlagen) utvidgas till att omfatta nya tjänster (betalningsinitieringstjänster och kontoinformationstjänster). Det direk- tivet innehåller också åtskilliga nya uttryck och termer som saknar mot- svarighet i första betaltjänstdirektivet och i betaltjänstlagen.</P>
<P class="p174 ft40">I den utsträckning de nya definitionerna saknar motsvarighet i svensk rätt och är av vikt för genomförandet av direktivet, bör definitionerna tas in i betaltjänstlagen. I avsnitt 5 behandlas de nya definitioner som bör tas in i betaltjänstlagen med anledning av direktivet.</P>
<P class="p509 ft3">105</P>
</DIV>
<DIV id="page_106">
<TABLE cellpadding=0 cellspacing=0 class="t65">
<TR>
<TD class="tr33 td134"><P class="p510 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr33 td46"><P class="p511 ft118">5.2</P></TD>
<TD class="tr33 td287"><P class="p130 ft97">Betaltjänst, betalningsinitieringstjänst och</P></TD>
</TR>
<TR>
<TD class="tr1 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td287"><P class="p130 ft97">kontoinformationstjänst</P></TD>
</TR>
<TR>
<TD class="tr41 td134"><P class="p3 ft108"> </P></TD>
<TD colspan=2 class="tr44 td284"><P class="p3 ft16"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>I definitionen av betaltjänster i betaltjänstlagen</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">utmönstras den nuvarande betaltjänsten genomförande av betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">transaktioner där betalaren godkänner transaktionen med någon form</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">av utrustning för telekommunikation, digital teknik eller informations-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">teknik och betalningen sker till systemoperatören som endast fungerar</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">som mellanhand. Definitionen struktureras på samma sätt som i</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">bilaga I till andra betaltjänstdirektivet. Termen transaktioner ersätts</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">med termen åtgärder och termen utfärdande med termen utgivning.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p297 ft6">Definitionen av betaltjänster utvidgas till att omfatta även betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">ningsinitieringstjänster och kontoinformationstjänster.</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p297 ft7">Med betalningsinitieringstjänst avses en tjänst för att på begäran av</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">betaltjänstanvändaren initiera en betalningsorder från ett betalkonto</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">hos en annan betaltjänstleverantör.</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p297 ft5">Med kontoinformationstjänst avses en onlinetjänst för att tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">hålla sammanställd information om ett eller flera betalkonton som</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">betaltjänstanvändaren har hos en eller flera andra betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td290"><P class="p41 ft3">törer.</P></TD>
<TD class="tr28 td291"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td93"><P class="p297 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">förslag. Utredningen föreslår inte någon ändring i strukturen i defini-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">tionen av betaltjänster.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p297 ft7"><SPAN class="ft115">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">har inget att invända mot det. <SPAN class="ft41">Förvaltningsrätten i Stockholm </SPAN>konstaterar</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">att ändringen av termen transaktioner till åtgärder främst tycks syfta till</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">en ökad överensstämmelse med den engelska språkversionen av andra</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">betaltjänstdirektivet men anser att det vore önskvärt att det ges exempel</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">på vilka andra åtgärder än transaktioner det kan vara fråga om. <SPAN class="ft41">Finans-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5"><SPAN class="ft41">inspektionen </SPAN>anser att definitionen av betaltjänster bör utformas på ett</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">sätt som överensstämmer med den numrering och struktur som följer av</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">bilagan till direktivet, för att det inte ska bli omständligt och otydligt för</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">företag under tillsyn och för konsumenter i Sverige och inom övriga EU.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">Inspektionen påpekar att det följer av de förslag till tekniska standarder</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">som Eba tagit fram för hantering av gränsöverskridande ärenden mellan</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">medlemsstaternas tillsynsmyndigheter att numreringen och strukturen</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">som följer av bilagan till direktivet ska användas. <SPAN class="ft4">Tink AB </SPAN>anser att</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">definitionen av betalkonto är vag och att den lämnar ett stort utrymme för</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">tolkning. <SPAN class="ft4">Svenska Bankföreningen </SPAN>framhåller att definitionen av betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">konto är oförändrad i förhållande till första betaltjänstdirektivet och anser</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">att den svenska lagstiftaren är förhindrad att utvidga definitionen. Vidare</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">anser Bankföreningen att uttrycket transaktioner inte bör ersättas med</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td46"><P class="p3 ft6">åtgärder</P></TD>
<TD class="tr16 td287"><P class="p3 ft5">(1 kap. 2 § 1 betaltjänstlagen), eftersom den engelska språk-</P></TD>
</TR>
<TR>
<TD class="tr20 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft3">versionen är oförändrad i förhållande till första betaltjänstdirektivet.</P></TD>
</TR>
<TR>
<TD class="tr45 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr45 td93"><P class="p3 ft42">Skälen för regeringens förslag</P></TD>
</TR>
<TR>
<TD class="tr24 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr24 td93"><P class="p3 ft4">Betaltjänst</P></TD>
</TR>
<TR>
<TD class="tr24 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr24 td93"><P class="p3 ft5">Definitionen av betaltjänst i första betaltjänstdirektivet har i svensk rätt</P></TD>
</TR>
<TR>
<TD class="tr20 td134"><P class="p512 ft7">106</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft3">genomförts i betaltjänstlagen (1 kap. 2 §). Den definitionen överens-</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_107">
<DIV>
<DIV id="id_1">
<P class="p513 ft40">stämmer i sak med definitionen i direktivet (jfr prop. 2009/10:220 s. <NOBR>86–89).</NOBR> Definitionen är av central betydelse eftersom den påverkar tillämpningsområdet för bestämmelserna om tillståndsplikt i betaltjänst- lagen (2 kap. 1 §, jfr artikel 11 i andra betaltjänstdirektivet).</P>
<P class="p514 ft6">I andra betaltjänstdirektivet definieras betaltjänst som en eller flera av de affärsverksamheter som anges i bilaga I (artikel 4.3). I bilaga I till direktivet anges att följande tjänster är att betrakta som betaltjänster i direktivets mening:</P>
<P class="p515 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft119">Tjänster som möjliggör kontantinsättningar på ett betalkonto samt alla åtgärder som krävs för förvaltningen av ett betalkonto.</SPAN></P>
<P class="p515 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft120">Tjänster som möjliggör kontantuttag från ett betalkonto samt alla åtgärder som krävs för förvaltningen av ett betalkonto.</SPAN></P>
<P class="p515 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft120">Genomförande av betalningstransaktioner, däribland överföring av medel på ett betalkonto hos användarens betaltjänstleverantör eller någon annan betaltjänstleverantör:</SPAN></P>
<P class="p516 ft3"><SPAN class="ft7">a)</SPAN><SPAN class="ft119">Genomförande av autogireringar, inklusive engångsauto- gireringar.</SPAN></P>
<P class="p516 ft6"><SPAN class="ft6">b)</SPAN><SPAN class="ft121">Genomförande av betalningstransaktioner med kontokort eller lik- nande utrustning.</SPAN></P>
<P class="p517 ft5"><SPAN class="ft5">c)</SPAN><SPAN class="ft122">Genomförande av betalningar, inklusive stående betalningsorder.</SPAN></P>
<P class="p515 ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft119">Genomförande av betalningstransaktioner, när medlen täcks av en betaltjänstanvändares kreditutrymme:</SPAN></P>
<P class="p516 ft6"><SPAN class="ft7">a)</SPAN><SPAN class="ft120">Genomförande av autogireringar, inklusive engångsautogirering- ar.</SPAN></P>
<P class="p516 ft6"><SPAN class="ft6">b)</SPAN><SPAN class="ft121">Genomförande av betalningstransaktioner med kontokort eller liknande utrustning.</SPAN></P>
<P class="p517 ft5"><SPAN class="ft5">c)</SPAN><SPAN class="ft122">Genomförande av betalningar, inklusive stående betalningsorder.</SPAN></P>
<P class="p515 ft3"><SPAN class="ft5">5.</SPAN><SPAN class="ft119">Utgivande av betalningsinstrument och/eller förvärv av betalnings- transaktioner.</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">6.</SPAN><SPAN class="ft120">Penningöverföring.</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">7.</SPAN><SPAN class="ft120">Betalningsinitieringstjänster.</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">8.</SPAN><SPAN class="ft119">Kontoinformationstjänster.</SPAN></P>
<P class="p518 ft5">De sex första punkterna är desamma som i första betaltjänstdirektivet. Punkt 7 i första betaltjänstdirektivet om s.k. systemoperatörstjänster har tagits bort. De tjänster som omfattades av den punkten avser sådana betal- tjänster som tillhandahålls av <NOBR>tele-,</NOBR> informationstekniks- eller nätoperatörer, t.ex. <NOBR>sms-betaltjänster.</NOBR> Samtidigt har två nya punkter tillkommit i andra betaltjänstdirektivet: betalningsinitieringstjänster och kontoinformations- tjänster (punkterna 7 och 8). Av dessa punkter följer att betaltjänst fått en delvis ny och utvidgad innebörd.</P>
<P class="p519 ft64">De tjänster som omfattas av punkt 7 i första betaltjänstdirektivet, (jfr 1 kap. 2 § 6 betaltjänstlagen) och som nu tagits bort, avser främst betalningstransaktioner som görs med mobiltelefon, dator eller annan teknisk utrustning och där operatören av systemet endast är en mellan- hand mellan betalaren och den leverantör som tillhandahåller en tjänst. Operatören tillför inte något mervärde till tjänsten. Den tekniska utrust- ningen fungerar bara som ett instrument som verifierar att en betalning ska göras från betalarens konto. Sådana betalningstransaktioner kan t.ex. avse betalning för parkering, köp av <NOBR>buss-,</NOBR> tåg- eller tunnelbaneresa eller betalning av varor eller tjänster via sms där systemoperatören bara agerar</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">107</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_108">
<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p3 ft3">som en mellanhand i betalningen. Dessa tjänster är inte betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">initieringstjänster enligt andra betaltjänstdirektivet. Leverantörer av den</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">senare typen av tjänster initierar en betalning från någon annan betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">leverantörs konto, t.ex. ett bankkonto. När det gäller systemoperatörs-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">tjänster, som t.ex. <NOBR>sms-tjänster,</NOBR> är det konto som debiteras antingen det</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">kontantkort som operatören själv tillhandahåller kunden, dvs. ett slags</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">förbetalt betalkonto, eller kundens konto hos mobiloperatören, där</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">löpande avgifter för kundens användning av operatörens tjänster</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">debiteras, för att faktureras med löpande mellanrum. Systemoperatören</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">tillhandahåller alltså betaltjänstanvändaren en form av betalkonto. Det</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">innebär att operatören, i motsats till vad som gäller för en leverantör av</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">betalningsinitieringstjänster, kommer i besittning av kundens medel.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">Systemoperatörstjänsterna kan således inte jämställas med betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">initieringstjänster.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft5">Frågan är vad det innebär att systemoperatörstjänster inte omfattas av</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">punkt 7 i bilagan till andra betaltjänstdirektivet. I det direktivet anges</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">flera betalningstransaktioner och tjänster som är undantagna från direk-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">tivets regler (artikel 3). Vissa betalningstransaktioner som genomförs</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">med hjälp av teleutrustning eller informationsteknisk utrustning för inköp</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">av t.ex. digitalt innehåll såsom spel, filmklipp och dylikt är undantagna</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">från direktivets regler (artikel 3 l). En förutsättning är dock att den</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">enskilda transaktionen avser mindre belopp, högst 50 euro, och att</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">betalningstransaktionernas sammanlagda värde för en abonnent inte</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">överstiger 300 euro per månad. Utformningen av det undantaget talar för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">att transaktioner som överstiger de angivna beloppen omfattas av direk-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">tivets regler, trots att det i uppräkningen av betaltjänster i bilaga I till</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">andra betaltjänstdirektivet inte finns någon motsvarighet till punkt 7 i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">bilagan till första betaltjänstdirektivet. Av skälen till andra betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">direktivet framgår det inte heller att avsikten skulle vara att lämna dessa</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">tjänster utanför direktivets tillämpningsområde. I stället får system-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">operatörstjänster enligt regeringens bedömning anses omfattas av någon</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">av punkterna <NOBR>1–6</NOBR> i bilaga I till andra betaltjänstdirektivet (jfr 1 kap.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">2 § <NOBR>1–5</NOBR> betaltjänstlagen). Beroende på den underliggande betalningens</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">karaktär kan olika punkter vara tillämpliga för olika tjänster och aktörer.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">Det ovan nämnda undantaget för vissa systemoperatörstjänster behandlas</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">i avsnitt 6.3.4.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft6">Vidare skiljer sig definitionen av betaltjänster i andra betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">direktivet (bilaga I, punkterna <NOBR>1–6)</NOBR> något i fråga om ordval från defini-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">tionen i första betaltjänstdirektivet. Som exempel kan nämnas att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">uttrycket åtgärder används i stället för transaktioner (punkt 1). Som</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5"><SPAN class="ft41">Svenska Bankföreningen </SPAN>påpekar har inga ändringar gjorts i den engelska</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">språkversionen av direktivet, mer än att meningsbyggnaden i punkt 3 har</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">ändrats något. I betaltjänstlagen anges att en form av betaltjänster är tjän-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">ster som gör det möjligt att sätta in och ta ut kontanter från ett betalkonto</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">samt de ”transaktioner” som krävs för förvaltning av kontot (1 kap.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">2 § 1). En sådan transaktion kan även vara ett uttag av en avgift från</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">kontoinnehavaren (se prop. 2009/10:220 s. 87). Regeringen anser att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">termen transaktioner i detta sammanhang framstår som något snäv. Här</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">kan jämföras med den engelska språkversionen där det anges ”operations”,</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">vilket torde ha en vidare innebörd och innefatta även andra åtgärder som</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">108</P></TD>
<TD class="tr28 td93"><P class="p3 ft3">krävs för förvaltning av kontot än transaktioner. Det framstår därför</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_109">
<P class="p490 ft3">enligt regeringens uppfattning som ändamålsenligt att ersätta termen Prop. 2017/18:77 transaktioner med termen åtgärder i den nu aktuella punkten i betaltjänst-</P>
<P class="p521 ft6">lagen. Det är även i linje med regeringens utgångspunkt att de nya termer och uttryck som införs med anledning av andra betaltjänstdirektivet så nära som möjligt bör ansluta sig till de termer och uttryck som används i direktivet (se avsnitt 4.5.1).</P>
<P class="p57 ft5"><SPAN class="ft41">Förvaltningsrätten i Stockholm </SPAN>efterfrågar exempel på vilka andra åtgärder än transaktioner som skulle omfattas av den ändrade definitionen. Eftersom uttag av en avgift från kontoinnehavaren omfattas redan i dag skulle ändringen kunna innebära att t.ex. åtgärder som öppnande och avslutande av ett betalkonto omfattas av definitionen.</P>
<P class="p58 ft5">Vidare anges i andra betaltjänstdirektivet ”utgivande” av betalnings- instrument och/eller förvärv av betalningstransaktioner (bilaga I, punkt 5), där det anges ”utfärdande” i första betaltjänstdirektivet och i betaltjänstlagen (1 kap. 2 § 3). Det kan noteras att i den engelska språk- versionen av andra betaltjänstdirektivet anges ”issuing”. Enligt reger- ingens uppfattning är termen utgivning mer i överensstämmelse med termen issuing och i betaltjänstlagen bör den termen därför ersätta termen utfärdande i den nu aktuella punkten. Beträffande definitionen av utgivning av betalningsinstrument, se närmare i avsnitt 5.3.11.</P>
<P class="p369 ft124">Regeringen anser i likhet med <SPAN class="ft123">Finansinspektionen </SPAN>att definitionen av betaltjänster i betaltjänstlagen även bör justeras redaktionellt så att den följer strukturen och numreringen i bilaga I till direktivet, för att under- lätta hanteringen av gränsöverskridande ärenden och tillämpning av bestämmelser i form av tekniska standarder som antas av kommissionen.</P>
<P class="p522 ft4">Betalningsinitieringstjänster</P>
<P class="p521 ft6">Betalningsinitieringstjänst definieras i andra betaltjänstdirektivet som en tjänst för att initiera en betalningsorder på begäran av betaltjänst- användaren med avseende på ett betalkonto hos en annan betaltjänst- leverantör (artikel 4.15). I skälen till direktivet anges att det särskilt inom <NOBR>e-handelsområdet</NOBR> har utvecklats betalningsinitieringstjänster, som med hjälp av programvara skapar en bro mellan säljföretagets webbplats och internetbankplattformen hos betalarens kontoförvaltande betaltjänst- leverantör för att initiera betalningar genom överföringar av medel via internet (skäl 27).</P>
<P class="p523 ft3">Regeringen konstaterar att definitionen, mot bakgrund av syftet med regleringen, inte bör omfatta verksamhet vars huvudsakliga ändamål är något annat, t.ex. bokföringsverksamhet, men där det inom ramen för den verksamheten även finns en fullmakt att genomföra betalningar från en kunds betalkonto.</P>
<P class="p12 ft6">En definition av betalningsinitieringstjänst som motsvarar den i direk- tivet bör tas in i betaltjänstlagen. Betalningsinitieringstjänster antas främst vara efterfrågade inom <NOBR>e-handelsområdet.</NOBR> Definitionen bör dock, på samma sätt som i direktivet, vara teknikneutral.</P>
<P class="p524 ft76">Reglerna om betalningsinitieringstjänster i andra betaltjänstdirektivet behandlas i avsnitt 7.2.</P>
<P class="p525 ft3">109</P>
</DIV>
<DIV id="page_110">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">110</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft4">Kontoinformationstjänster</P>
<P class="p528 ft5">Kontoinformationstjänst definieras i andra betaltjänstdirektivet som en onlinetjänst för att tillhandahålla sammanställd information om ett eller flera betalkonton som betaltjänstanvändaren innehar hos antingen en annan betaltjänstleverantör eller hos fler än en betaltjänstleverantör (artikel 4.16). I skälen till direktivet anges att kontoinformationstjänster erbjuder betaltjänstanvändaren samlad nätbaserad information om ett eller flera betalkonton som innehas hos en eller flera andra betaltjänst- leverantörer och som nås via den kontoförvaltande betaltjänstleveran- törens webbaserade gränssnitt samt att syftet med reglerna i direktivet är att ge ett välfungerade skydd åt konsumenternas betalningar och konto- uppgifter och uppnå en rättslig förutsägbarhet i fråga om ställningen för leverantörer av kontoinformationstjänster (skäl 28).</P>
<P class="p529 ft64">En definition motsvarande den i direktivet bör tas in i betaltjänstlagen. I detta sammanhang kan det noteras att betalkonto i betaltjänstlagen definieras som ett konto som innehas i en eller flera betaltjänstanvän- dares namn och som är avsett för genomförandet av betalningstransak- tioner (1 kap. 4 §). En betalningstransaktion definieras som en insättning, uttag eller överföring av medel som initieras av betalaren eller betal- ningsmottagaren oberoende av eventuella underliggande förpliktelser mellan betalaren och betalningsmottagaren (1 kap. 4 §). Definitionerna av dessa två termer överensstämmer med definitionerna i såväl första som andra betaltjänstdirektivet. Regeringen finner mot denna bakgrund, trots de invändningar som <SPAN class="ft63">Tink AB </SPAN>framför, inte skäl att ändra</P>
<P class="p263 ft3">definitionen av betalkonto i betaltjänstlagen.</P>
<P class="p463 ft5">Den närmare avgränsningen av vad som utgör ett betalkonto bör därför även i fortsättningen göras med utgångspunkt i att kontot ska vara avsett för utförande av betalningstransaktioner, dvs. avgörande för bedömning- en är kontots syfte och funktion (se närmare prop. 2009/10:220 s. 93).</P>
<P class="p463 ft5">Det främsta syftet med kontoinformationstjänster är att betaltjänst- användaren snabbt och enkelt ska få en överblick över sin ekonomiska situation, t.ex. genom saldouppgifter för ett eller flera betalkonton. Som framgår av skälen till direktivet tycks dessa tjänster främst erbjudas via internet, t.ex. genom <NOBR>app-funktioner.</NOBR> I andra betaltjänstdirektivet, som innehåller regler om bl.a. tillgång till betalkontoinformation i samband med kontoinformationstjänster, anges att rätten för betaltjänstanvändare att utnyttja kontoinformationstjänster endast gäller när betalkontot är tillgängligt online (artikel 67). Mot bakgrund av denna begränsning bör definitionen av kontoinformationstjänst endast omfatta sådana tjänster som tillhandahålls online.</P>
<P class="p530 ft5">Termen online är inte definierad i direktivet. Termen har av Svenska datatermgruppen översatts till direktansluten och definierats som en förbindelse som möjliggör direkt interaktiv kommunikation (med en databas, ett program eller ett programsystem). I ljuset av denna definition samt utifrån direktivets kontext bör termen online enligt regeringens uppfattning rimligen tolkas så att det betalkonto som betalaren avser att använda sig av i samband med tjänsten ska stå i direkt kontakt med en centraldator och möjliggöra betalningar genom detta system. I vissa fall kan även indirekt kontakt med ett datasystem föreligga genom ett s.k. subsystem som är nödvändigt för driften av systemet.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_111">
<DIV id="dimg1">
<INGENBILD zsrc="H50377111x1.jpg/" id="img1">
</DIV>
<P class="p531 ft3">Normalt torde med konton som är tillgängliga online avses betalkonton Prop. 2017/18:77 som är tillgängliga via internet, men även betalkonton som är tillgängliga</P>
<P class="p532 ft5">via andra datasystem kan förekomma. Termen online får enligt reger- ingens uppfattning anses vara etablerad och avse samtliga datasystem som kan vara aktuella, varför den bör kunna användas i lagtext.</P>
<P class="p533 ft76">Reglerna om kontoinformationstjänster i andra betaltjänstdirektivet behandlas i avsnitt 7.3.</P>
<P class="p534 ft97"><SPAN class="ft35">5.3</SPAN><SPAN class="ft117">Övriga definitioner i betaltjänstlagen</SPAN></P>
<P class="p535 ft110"><SPAN class="ft42">5.3.1</SPAN><SPAN class="ft125">Kontoförvaltande betaltjänstleverantör</SPAN></P>
<P class="p536 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Med kontoförvaltande betaltjänstleverantör avses en betaltjänstleverantör som tillhandahåller och förvaltar ett betalkonto.</P>
<P class="p537 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p15 ft6">det.</P>
<P class="p457 ft70"><SPAN class="ft126">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet definieras en kontoförvaltande betaltjänstleverantör som en betaltjänstleverantör som tillhandahåller och förvaltar ett betalkonto för en betalare (artikel 4.17).</P>
<P class="p103 ft3">En motsvarande definition bör tas in i betaltjänstlagen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t66">
<TR>
<TD class="tr33 td123"><P class="p21 ft42">5.3.2</P></TD>
<TD class="tr33 td292"><P class="p538 ft110">Kontobaserad betalning</P></TD>
<TD class="tr33 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr42 td284"><P class="p3 ft114"> </P></TD>
<TD class="tr40 td146"><P class="p3 ft17"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Med kontobaserad betalning avses en betal-</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">tjänst för kreditering av en betalningsmottagares betalkonto med en</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft5">betalningstransaktion från en betalares betalkonto, som utförs av en</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">betaltjänstleverantör som har tillgång till betalarens betalkonto, på</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td286"><P class="p41 ft3">grundval av en instruktion som lämnats av betalaren.</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr22 td93"><P class="p27 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag.</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">Utredningens förslag avviker från regeringens förslag genom att utred-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">ningen föreslår att termen betalning i andra betaltjänstdirektivet ska mot-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">svaras av uttrycket överföring av medel, i stället för uttrycket konto-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">baserad betalning.</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5"><SPAN class="ft78">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">har inget att invända mot det. <SPAN class="ft4">Svenska Bankföreningen </SPAN>föreslår att</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">uttrycket kontobaserade betalningar ska användas i stället för uttrycket</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">överföring av medel, eftersom överföring av medel används som ett</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">uttryck som även omfattar autogiro och kortbetalningar.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p27 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet finns en</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">definition av termen betalning. Termen definieras som en betaltjänst för</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">kreditering av en betalningsmottagares betalkonto med en betalnings-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">transaktion eller en rad betalningstransaktioner från en betalares betal-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">konto, som utförs av en betaltjänstleverantör som har tillgång till betal-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">arens betalkonto på grundval av en instruktion som lämnats av betalaren</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">(artikel 4.24). Den har betydelse för definitionen av betaltjänst – och</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td123"><P class="p3 ft3">därmed</P></TD>
<TD class="tr20 td292"><P class="p27 ft3">för tillståndsplikten. I direktivet, liksom i första betaltjänst-</P></TD>
<TD class="tr20 td146"><P class="p17 ft3">111</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_112">
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<P class="p539 ft3">Prop. 2017/18:77 direktivet, är en av de betaltjänster som räknas upp i bilagan ”genom- förande av betalningar” (punkterna 3 c och 4 c i bilaga I till andra betal- tjänstdirektivet).</P>
<P class="p540 ft5">Utredningen föreslår att termen betalning i direktivet ska motsvaras av uttrycket ”överföring av medel” i betaltjänstlagen. Regeringen konsta- terar dock att betaltjänsten ”genomförande av betalningar” i första betal- tjänstdirektivet motsvaras av ”kontobaserade betalningar” i betaltjänst- lagen (1 kap. 2 § 2 c betaltjänstlagen och punkterna 3 c och 4 c i bilaga I till andra betaltjänstdirektivet). Uttrycket överföring av medel används i betaltjänstlagen och motsvarar då en annan punkt i bilagan till direktivet (inledningen i punkt 2 i 1 kap. 2 § betaltjänstlagen och punkt 3 första meningen i bilaga I till andra betaltjänstdirektivet). Eftersom det är den betaltjänst som i betaltjänstlagen motsvaras av kontobaserade betalningar som här avses, anser regeringen, liksom <SPAN class="ft41">Svenska Bankföreningen</SPAN>, att det är det uttrycket som bör användas. En definition av kontobaserad betalning som motsvarar definitionen av betalning i andra betal- tjänstdirektivet bör därför tas in i betaltjänstlagen.</P>
<P class="p541 ft110"><SPAN class="ft42">5.3.3</SPAN><SPAN class="ft109">Autentisering</SPAN></P>
<P class="p542 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Med autentisering avses ett förfarande där en betaltjänstanvändares personliga behörighetsfunktioner används och genom vilket en betaltjänstleverantör kan kontrollera betaltjänst- användarens identitet eller ett betalningsinstruments giltighet.</P>
<P class="p543 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att i utredningens förslag ingår personliga behörighetsfunktioner i förfaran- det för kontroll av identitet och giltighet.</P>
<P class="p486 ft5"><SPAN class="ft78">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft41">Förvaltningsrätten i Stockholm </SPAN>anser att definitionen i förslaget har fått en annan innebörd än i andra betaltjänst- direktivet och att det av ordalydelsen i författningsförslaget framstår som att användarens personaliserade behörighetsfunktioner utgör ett förfar- ande, vilket inte synes vara syftet i direktivet, särskilt inte vid beaktande av den engelska språkversionen.</P>
<P class="p486 ft70"><SPAN class="ft126">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet definieras autentisering som ett förfarande genom vilket en betaltjänstleverantör kan kontrollera en betaltjänstanvändares identitet eller giltighet när det gäller användningen av ett specifikt betalningsinstrument, inklusive användarens personliga säkerhetsbehörighetsuppgifter (artikel 4.29). I den engelska språkversionen av direktivet har definitionen emellertid följande lydelse: ”‘authentication’ means a procedure which allows the payment service provider to verify the identity of a payment service user or the validity of the use of a specific payment instrument, including the use of the user’s personalised security credentials”. Med hänsyn till lydelsen av den engelska språkversionen framstår det enligt regeringens uppfattning som att autentisering inte även ska omfatta kontroll av användarens personliga säkerhetsbehörighetsuppgifter, som anges i den svenska språkversionen.</P>
<P class="p489 ft3">Det framstår däremot som att autentisering ska omfatta användningen av</P>
<P class="p15 ft3">112</P>
</DIV>
<DIV id="page_113">
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<P class="p490 ft3">(i den engelska språkversionen ”the use of”) användarens personliga Prop. 2017/18:77 säkerhetsbehörighetsuppgifter.</P>
<P class="p57 ft5">Definitionen av autentisering är av betydelse då den har nära samband med definitionen av stark kundautentisering i direktivet och därigenom påverkar reglerna om ansvar och rätt till återkrav vid obehöriga transak- tioner (se artiklarna 74.2 och 92) samt reglerna om krav på betaltjänst- leverantörer att tillämpa stark kundautentisering (se artikel 97).</P>
<P class="p57 ft5">En definition som i sak överensstämmer med den i direktivet bör tas in i betaltjänstlagen. Regeringen anser i likhet med <SPAN class="ft41">Förvaltningsrätten i Stockholm </SPAN>att definitionen i betaltjänstlagen bör justeras i förhållande till utredningens förslag. Det bör i enlighet med det som anförs ovan anges att autentisering är ett förfarande där en betaltjänstanvändares personliga behörighetsfunktioner används och genom vilket en betaltjänstleverantör kan kontrollera betaltjänstanvändarens identitet eller ett betalningsinstru- ments giltighet.</P>
<P class="p523 ft3">I avsnitt 5.3.5 föreslås att uttrycket personlig behörighetsfunktion ska användas i betaltjänstlagen i stället för uttrycket personlig säkerhets- behörighetsuppgift.</P>
<P class="p544 ft110"><SPAN class="ft42">5.3.4</SPAN><SPAN class="ft125">Stark kundautentisering</SPAN></P>
<P class="p545 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Med stark kundautentisering avses en auten- tisering som grundas på användning av två eller flera komponenter, kategoriserade som kunskap (något som bara användaren vet), innehav (något som bara användaren har) och unik egenskap (något som användaren är), som är fristående från varandra så att det förhållandet att någon har kommit över en av komponenterna inte äventyrar de andra komponenternas tillförlitlighet och som är utformad för att skydda autentiseringsuppgifterna mot obehörig åtkomst.</P>
<P class="p546 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p54 ft3">det.</P>
<P class="p57 ft70"><SPAN class="ft126">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet avses med stark kundautentisering en autentisering som grundas på användning av två eller flera element, kategoriserade som kunskap (något som bara användaren vet), innehav (något som bara användaren har) och unik egenskap (något som användaren är), som är fristående från varandra så att det faktum att någon har kommit över ett av elementen inte äventyrar de andra elementens tillförlitlighet, och som är utformad för att skydda autentiseringsuppgifternas sekretess (artikel 4.30).</P>
<P class="p547 ft3">Det är alltså betaltjänstanvändarens autentiseringsuppgifter som ska skyddas genom tillämpning av stark kundautentisering. Stark kund- autentisering syftar till att ge ett bättre skydd av dessa uppgifter och andra betaltjänstdirektivet innehåller flera regler som reglerar använd- ningen av denna form av autentisering.</P>
<P class="p12 ft6">En definition som överensstämmer med den i direktivet bör tas in i betaltjänstlagen.</P>
<P class="p13 ft3">Reglerna om stark kundautentisering i andra betaltjänstdirektivet</P>
<P class="p54 ft128">behandlas i avsnitt 11.4.</P>
<P class="p160 ft3">113</P>
</DIV>
<DIV id="page_114">
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<TABLE cellpadding=0 cellspacing=0 class="t67">
<TR>
<TD class="tr19 td214"><P class="p3 ft3">Prop. 2017/18:77 <SPAN class="ft110">5.3.5</SPAN></P></TD>
<TD class="tr19 td293"><P class="p3 ft42">Personlig behörighetsfunktion</P></TD>
</TR>
</TABLE>
<P class="p548 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Med personlig behörighetsfunktion avses en personligt anpassad funktion som betaltjänstleverantören tillhanda- håller betaltjänstanvändaren för autentiseringsändamål.</P>
<P class="p549 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att i utredningens förslag används uttrycket personaliserade behörighets- funktioner.</P>
<P class="p482 ft6"><SPAN class="ft80">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p486 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet finns en definition av termen personliga säkerhetsbehörighetsuppgifter (artikel 4.31). Med denna term avses personligt anpassade funktioner som betaltjänstleverantören tillhandahåller betaltjänstanvändaren för auten- tiseringsändamål. Definitionen är av central betydelse eftersom den bl.a. påverkar reglerna i direktivet om skyldigheter för betaltjänstleverantörer och betaltjänstanvändare när det gäller ett betalningsinstrument samt betaltjänstleverantörers skyldigheter i samband med tillhandahållande av betalningsinitieringstjänster och kontoinformationstjänster (se artik- larna 66, 67, 69 och 70). Därutöver är termen av betydelse för definition- erna av autentisering och stark kundautentisering och påverkar däri- genom reglerna om ansvar och rätt till återkrav vid obehöriga trans- aktioner (se artiklarna 74.2 och 92) samt reglerna om krav på betaltjänst- leverantörer att tillämpa stark kundautentisering (se artikel 97).</P>
<P class="p501 ft40">En definition som i sak motsvarar den i direktivet bör tas in i betal- tjänstlagen. Regeringen anser i likhet med utredningen att det i direktivet använda uttrycket ”personliga säkerhetsbehörighetsuppgifter” är något missvisande och därför mindre lämpligt att använda i betaltjänstlagen. Till skillnad från utredningen, som föreslår att uttrycket ”personaliserade behörighetsfunktioner” ska användas, anser regeringen att det uttryck som bör användas är ”personlig behörighetsfunktion”.</P>
<P class="p488 ft110"><SPAN class="ft42">5.3.6</SPAN><SPAN class="ft109">Känslig betalningsuppgift</SPAN></P>
<P class="p542 ft64"><SPAN class="ft129">Regeringens förslag: </SPAN>Med känslig betalningsuppgift avses en per- sonlig behörighetsfunktion eller annan uppgift som kan användas för svikliga förfaranden, dock inte kontoinnehavarens namn och konto- nummer i sådan verksamhet som drivs av en leverantör av betalnings- initieringstjänster eller en leverantör av kontoinformationstjänster.</P>
<P class="p550 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer i sak med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft6">det.</P>
<P class="p486 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet definieras känsliga betalningsuppgifter som uppgifter, inbegripet personliga säkerhetsbehörighetsuppgifter, som kan användas för bedrägerier (artikel 4.32). Det anges vidare att när det gäller verksamhet som drivs av leverantörer av betalningsinitieringstjänster och leverantörer av konto-</P>
<P class="p319 ft3">114</P>
</DIV>
<DIV id="page_115">
<P class="p476 ft3">informationstjänster utgör kontoinnehavarens namn och kontonumret inte Prop. 2017/18:77 sådana känsliga betalningsuppgifter.</P>
<P class="p478 ft6">Definitionen är av betydelse eftersom den påverkar reglerna i direktivet om skyldigheter för betaltjänstleverantörer vid tillhandahållande av betalningsinitieringstjänster och kontoinformationstjänster (se artik- larna 66.3 e och 67.2 e).</P>
<P class="p551 ft3">En definition som motsvarar den i direktivet bör tas in i betaltjänst- lagen. <SPAN class="ft4">Lagrådet </SPAN>påpekar att när – som i detta fall – termen bedrägerier inte har den straffrättsliga innebörden utan har en vidare mening bör ett annat uttryck användas, och föreslår uttrycket svikliga förfaranden. Regeringen delar Lagrådets uppfattning.</P>
<TABLE cellpadding=0 cellspacing=0 class="t68">
<TR>
<TD class="tr33 td81"><P class="p307 ft42">5.3.7</P></TD>
<TD class="tr33 td294"><P class="p552 ft110">Grupp</P></TD>
<TD class="tr33 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
<TD class="tr42 td146"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Med grupp avses en grupp av företag som är</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft7">knutna till varandra genom ett sådant förhållande som avses i 1 kap. 4,</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft7">5 eller 5 a § årsredovisningslagen eller en grupp av företag som avses i</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft5">någon av artiklarna <NOBR>4–7</NOBR> i kommissionens delegerade förordning (EU)</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">nr 241/2014 och som är knutna till varandra genom ett sådant</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">förhållande som avses i artikel 10.1 eller artikel 113.6 eller 113.7 i</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td285"><P class="p41 ft3">tillsynsförordningen.</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr46 td286"><P class="p3 ft8"> </P></TD>
<TD class="tr47 td146"><P class="p3 ft130"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr22 td93"><P class="p27 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft5">förslag.</P></TD>
<TD class="tr16 td294"><P class="p27 ft6">Utredningens förslag innehåller inte några hänvisningar till</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">1 kap. 5 och 5 a §§ årsredovisningslagen.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p27 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td294"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p27 ft42">Skälen för regeringens förslag: <SPAN class="ft3">I andra betaltjänstdirektivet</SPAN></P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">(artikel 4.40) definieras en koncern som en grupp av företag som är knutna</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">till varandra genom ett sådant förhållande som avses i artikel 22.1, 22.2</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">eller 22.7 i direktiv 2013/34/EU, eller företag enligt definitionen i artik-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">larna 4, 5, 6 och 7 i kommissionens delegerade förordning (EU) nr 241/2014</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">av den 7 januari 2014 om komplettering av Europaparlamentets och</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">rådets förordning (EU) nr 575/2013 med avseende på tekniska tillsyns-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">standarder för kapitalbaskrav på institut som är knutna till varandra</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">genom ett sådant förhållande som avses i artikel 10.1 eller artikel 113.6</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">eller 113.7 i tillsynsförordningen.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p27 ft3">Det kan noteras att i andra betaltjänstdirektivet används termen</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">koncern, men i första betaltjänstdirektivet används termen grupp (se</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">1 kap. 4 § betaltjänstlagen). I de engelska språkversionerna av de båda</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">direktiven används dock termen group. I första betaltjänstdirektivet</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">(artikel 4.30) hänvisas i fråga om termen grupp till det numera upphävda</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">direktivet 83/349/EEG. I betaltjänstlagen hänvisas till definitionen av</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">grupp i lagen (2006:531) om särskild tillsyn över finansiella konglomerat</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">(1 kap. 7 §). Europaparlamentets och rådets direktiv 2013/34/EU har</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">genomförts i svensk rätt i årsredovisningslagen (1995:1554). I de</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">bestämmelser som genomför artikel 22.1 anges under vilka omstän-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">digheter ett företag är ett moderföretag respektive ett dotterföretag samt</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft6">att ett</P></TD>
<TD class="tr16 td294"><P class="p27 ft6">moderföretag och ett dotterföretag tillsammans är en koncern</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td81"><P class="p3 ft3">(1 kap.</P></TD>
<TD class="tr20 td294"><P class="p27 ft3">4 §). De bestämmelser i årsredovisningslagen som genomför</P></TD>
<TD rowspan=2 class="tr29 td146"><P class="p17 ft3">115</P></TD>
</TR>
<TR>
<TD class="tr48 td81"><P class="p3 ft131"> </P></TD>
<TD class="tr48 td294"><P class="p3 ft131"> </P></TD>
</TR>
</TABLE>
</DIV>
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<P class="p498 ft64">Prop. 2017/18:77 artikel 22.2 och 22.7 rör i sin tur intresseföretag respektive gemensamt styrda företag (1 kap. 5 och 5 a §§). I artiklarna <NOBR>4–7</NOBR> i kommissionens delegerade förordning (EU) nr 241/2014 regleras bl.a. under vilka förutsättningar behöriga myndigheter får fastställa att en typ av företag som erkänns enligt tillämplig nationell lag räknas som kooperativ samman- slutning (i Sverige institut registrerade som medlemsbank enligt lagen [1995:1570] om medlemsbanker eller som ”kreditmarknadsförening” enligt lagen [2004:297] om bank- och finansieringsrörelse), sparbanker (i Sverige institut som är registrerade som sparbank enligt sparbankslagen [1987:619]) eller ömsesidiga bolag. Enligt definitionen av koncern i andra betaltjänstdirektivet ska dessa företag vara knutna till varandra genom ett sådant förhållande som avses i artikel 10.1 eller artikel 113.6 eller 113.7 i tillsynsförordningen. Artikel 10.1 reglerar undantag för kreditinstitut som är permanent underställda ett centralt organ, medan artikel 113.6 och 113.7 reglerar beräkningen av riskvägda exponeringsbelopp där mot- parten är tätt knuten till institutet genom att den ingår i institutets konsoliderade situation eller då institutet med motparten ingått ett avtalsgrundat eller lagstadgat institutionellt skyddssystem.</P>
<P class="p553 ft3">Definitionen av grupp i betaltjänstlagen bör ändras så att det hänvisas till årsredovisningslagen (1 kap. 4, 5 och 5 a §§) och till relevanta artiklar i kommissionens delegerade förordning (EU) nr 241/2014 samt tillsyns- förordningen.</P>
<P class="p554 ft110"><SPAN class="ft42">5.3.8</SPAN><SPAN class="ft109">Elektroniskt kommunikationsnät</SPAN></P>
<P class="p555 ft59"><SPAN class="ft94">Regeringens förslag: </SPAN>Med elektroniskt kommunikationsnät avses detsamma som i definitionen i lagen om elektronisk kommunikation.</P>
<P class="p556 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft3">det.</P>
<P class="p486 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Av andra betaltjänstdirektivet (artikel 4.41) följer att elektroniskt kommunikationsnät definieras som ett nät enligt definitionen i artikel 2 a i Europaparlamentets och rådets direktiv 2002/21/EG av den 7 mars 2002 om ett gemensamt regelverk för elektroniska kommunikationsnät och kommunikationstjänster.</P>
<P class="p486 ft5">Definitionen är av betydelse eftersom den påverkar undantagen från direktivets, och därmed betaltjänstlagens, tillämpningsområde (se artikel 3 l i andra betaltjänstdirektivet). I avsnitt 6.3.4 föreslås att det under vissa angivna förhållanden ska göras undantag från betaltjänstlagens tillämp- ningsområde för betalningstransaktioner som genomförs via en leve- rantör av elektroniska kommunikationsnät.</P>
<P class="p540 ft70">Europaparlamentets och rådets direktiv 2002/21/EG har genomförts i svensk rätt genom lagen (2003:389) om elektronisk kommunikation. I den lagen definieras elektroniskt kommunikationsnät som ett system för överföring och i tillämpliga fall utrustning för koppling eller dirigering samt passiva nätdelar och andra resurser som medger överföring av signaler, via tråd eller radiovågor, på optisk väg eller via andra elektro- magnetiska överföringsmedier oberoende av vilken typ av information som</P>
<P class="p489 ft6">överförs (1 kap. 7 §). En definition av elektroniskt kommunikationsnät,</P>
<P class="p15 ft3">116</P>
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<P class="p557 ft3">i vilken det hänvisas till lagen om elektronisk kommunikation, bör tas in Prop. 2017/18:77 i betaltjänstlagen.</P>
<P class="p558 ft110"><SPAN class="ft42">5.3.9</SPAN><SPAN class="ft125">Elektronisk kommunikationstjänst</SPAN></P>
<P class="p559 ft59"><SPAN class="ft94">Regeringens förslag: </SPAN>Med elektronisk kommunikationstjänst avses detsamma som i definitionen i lagen om elektronisk kommunikation.</P>
<P class="p560 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p15 ft6">det.</P>
<P class="p408 ft80">Skälen för regeringens förslag: <SPAN class="ft6">I andra betaltjänstdirektivet (artikel 4.42) definieras elektronisk kommunikationstjänst som en tjänst enligt definitionen i artikel 2 c i Europaparlamentets och rådets direktiv 2002/21/EG.</SPAN></P>
<P class="p457 ft6">Definitionen är av betydelse eftersom den påverkar undantagen från direktivets, och därmed betaltjänstlagens, tillämpningsområde (se artikel 3 l i andra betaltjänstdirektivet). I avsnitt 6.3.4 föreslås att det under vissa angivna förhållanden ska göras undantag från betaltjänst- lagens tillämpningsområde för betalningstransaktioner som genomförs via en leverantör av elektroniska kommunikationstjänster.</P>
<P class="p561 ft40">I likhet med uttrycket elektroniskt kommunikationsnät finns även en definition av elektronisk kommunikationstjänst i lagen om elektronisk kommunikation, av vilken följer att uttrycket avser en tjänst som van- ligen tillhandahålls mot ersättning och som helt eller huvudsakligen utgörs av överföring av signaler i elektroniska kommunikationsnät (1 kap. 7 §). En definition av elektronisk kommunikationstjänst, i vilken det hänvisas till lagen om elektronisk kommunikation, bör tas in i betaltjänstlagen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t69">
<TR>
<TD class="tr33 td153"><P class="p441 ft42">5.3.10</P></TD>
<TD class="tr33 td283"><P class="p3 ft110">Inlösen av transaktionsbelopp</P></TD>
<TD class="tr33 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr42 td284"><P class="p3 ft114"> </P></TD>
<TD class="tr40 td146"><P class="p3 ft17"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Med inlösen av transaktionsbelopp avses en</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft3">betaltjänst där en betaltjänstleverantör accepterar och behandlar</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">betalningsmottagarens betalningstransaktioner för att sedan överföra</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td285"><P class="p41 ft3">medel till betalningsmottagaren.</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr46 td286"><P class="p3 ft8"> </P></TD>
<TD class="tr47 td146"><P class="p3 ft130"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr22 td93"><P class="p90 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td153"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td283"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p90 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet definieras</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">”inlösen av betalningstransaktioner” som en betaltjänst som tillhandahålls</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">av en betaltjänstleverantör som har ingått avtal med en betalningsmot-</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">tagare om att denne ska acceptera och behandla betalningsmottagarens</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">betalningstransaktioner och som leder till överföring av medel till</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">betalningsmottagaren (artikel 4.44).</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p90 ft6">Inlösen av betalningstransaktioner är en betaltjänst enligt direktivet</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">(punkt 5 i bilaga I, vars lydelse överensstämmer med samma punkt i</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">bilagan till första betaltjänstdirektivet), dvs. en sådan tjänst som enligt</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">huvudregeln omfattas av krav på tillstånd (se avsnitt 5.2). I bilagan</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td93"><P class="p3 ft5">definieras en form av betaltjänst som förvärv av betalningstransaktioner.</P></TD>
<TD rowspan=2 class="tr1 td146"><P class="p17 ft3">117</P></TD>
</TR>
<TR>
<TD class="tr14 td153"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td283"><P class="p3 ft18"> </P></TD>
</TR>
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<P class="p498 ft5">Prop. 2017/18:77 I bilagan anges alltså förvärv men den termen får anses synonym med inlösen (jfr den engelska språkversionen där det anges acquiring of payment instruments samt 1 kap. 2 § 4 betaltjänstlagen där termen inlösen används). I skälen till direktivet anges bl.a. att en neutral definition av termen införs i syfte att inte bara fånga upp de traditionella inlösenmodeller som rör användningen av kontokort utan också andra affärsmodeller, inklusive de modeller där mer än en inlösare medverkar, vilket bör säkerställa att säljföretag får samma skydd oavsett vilket betalningsinstrument som används om verksamheten är densamma som inlösen av korttransaktioner (skäl 10).</P>
<P class="p549 ft3">För att säkerställa ett sådant skydd som anges i skälen till direktivet bör en neutral definition av termen tas in i betaltjänstlagen. I betaltjänstlagen används även termen transaktionsbelopp i stället för termen betalnings- transaktion (1 kap. 2 § 4). Detta framstår som mer ändamålsenligt och den termen bör därför behållas.</P>
<P class="p562 ft133"><SPAN class="ft42">5.3.11</SPAN><SPAN class="ft132">Betalningsinstrument och utgivning av betalningsinstrument</SPAN></P>
<P class="p563 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Med betalningsinstrument avses ett kontokort eller något annat personligt instrument eller en personlig rutin som enligt avtal används för att initiera en betalningsorder.</P>
<P class="p564 ft3">Med utgivning av betalningsinstrument avses en betaltjänst hos en betaltjänstleverantör om att tillhandahålla betalaren ett betalnings- instrument för att initiera och behandla betalarens betalnings- transaktioner.</P>
<P class="p549 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>till definition av utgivning av betalnings- instrument överensstämmer med regeringens förslag. Utredningen före- slår inte någon ändring i definitionen av betalningsinstrument.</P>
<P class="p486 ft5"><SPAN class="ft78">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft41">Finansinspektionen </SPAN>anser att det bör framgå av definitionen av betalningsinstrument att leverantören och användaren har träffat avtal om kontokortet, instrumentet eller rutinen.</P>
<P class="p540 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet definieras ”betalningsinstrument” som en personlig anordning och/eller rutiner som betaltjänstanvändaren och betaltjänstleverantören har träffat avtal om och som används för att initiera en betalningsorder (artikel 4.14) och ”utgivning av betalningsinstrument” som en betaltjänst hos en betal- tjänstleverantör som har ingått avtal om att tillhandahålla betalaren ett betalningsinstrument för att initiera och behandla betalarens betalnings- transaktioner (artikel 4.45). Utgivning av betalningsinstrument är en betal- tjänst enligt direktivet (punkt 5 i bilaga I, som motsvarar samma punkt i bilagan till första betaltjänstdirektivet), dvs. en sådan tjänst som enligt huvudregeln omfattas av krav på tillstånd (se avsnitt 5.2). I betaltjänst- lagen används dock termen utfärdande i stället för termen utgivning. I avsnitt 5.2 föreslås att termen utfärdande ska ersättas med termen utgivning, varför det bör vara den termen som används i en definition i betaltjänstlagen.</P>
<P class="p260 ft3">118</P>
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<P class="p565 ft3">Definitioner som motsvarar dem i direktivet bör tas in i betaltjänst- Prop. 2017/18:77 lagen. <SPAN class="ft4">Lagrådet </SPAN>konstaterar, i likhet med <SPAN class="ft4">Finansinspektionen</SPAN>, att nu-</P>
<P class="p566 ft40">varande definition av betalningsinstrument inte fullt ut överensstämmer med den i direktivet och bör justeras. Enligt Lagrådet får detta till följd att definitionen av utgivning av betalningsinstrument bör justeras. Regeringen instämmer med Lagrådet att det i definitionen av betalnings- instrument bör tydliggöras att leverantören och användaren ska ha träffat avtal om kontokortet, instrumentet eller rutinen samt att detta därför inte behöver framgå av definitionen av ”utgivning av betalningsinstrument”.</P>
<P class="p567 ft110"><SPAN class="ft42">5.3.12</SPAN><SPAN class="ft134">Kapitalbas</SPAN></P>
<P class="p568 ft76"><SPAN class="ft135">Regeringens förslag: </SPAN>Med kapitalbas avses detsamma som i defini- tionen i lagen om bank- och finansieringsrörelse.</P>
<P class="p569 ft124">Ett betalningsinstitut ska ha en kapitalbas där minst 75 procent av primärkapitalet ska vara i form av kärnprimärkapital och där supplemen- tärkapitalet får uppgå till högst en tredjedel av primärkapitalet.</P>
<P class="p524 ft6"><SPAN class="ft80">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att det i utredningens förslag till definition av kapitalbas hänvisas till definitionen i tillsynsförordningen samt anges att åtminstone 75 procent av primär- kapitalet ska vara i form av kärnprimärkapital enligt tillsynsförordningen (artikel 50) och att supplementärkapitalet får vara högst en tredjedel av primärkapitalet.</P>
<P class="p11 ft6"><SPAN class="ft80">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft4">Finansinspektionen </SPAN>framhåller att för att undvika dubbelreglering bör kraven på sammansättningen av kapital- basen inte anges i definitionen. Förslaget innebär dessutom att en kapital- bas som inte uppfyller kraven på sammansättning, per definition inte skulle vara en kapitalbas.</P>
<P class="p570 ft80">Skälen för regeringens förslag: <SPAN class="ft6">I andra betaltjänstdirektivet (artikel 4.46) definieras kapitalbas som en kapitalbas enligt definitionen i artikel 4.1.118 i tillsynsförordningen där åtminstone 75 procent av primärkapitalet är i form av kärnprimärkapital enligt artikel 50 i den förordningen och supplementärkapitalet ska vara lika med eller mindre än en tredjedel av primärkapitalet.</SPAN></P>
<P class="p571 ft5">Det finns varken i första betaltjänstdirektivet eller i betaltjänstlagen någon definition av kapitalbas. Det bör därför tas in en definition av kapitalbas i betaltjänstlagen. En sådan definition bör lämpligen – i enlighet med flera andra hänvisningar som görs i definitionskatalogen i betaltjänstlagen – hänvisa till definitionen av kapitalbas i lagen om bank- och finansieringsrörelse (1 kap. 5 § 9). Denna definition hänvisar i sin tur till artikel 72 i tillsynsförordningen, vilken överensstämmer med defini- tionen i artikel 4.1.118 i tillsynsförordningen. Kapitalbas är således summan av primärkapital och supplementärkapital. Regeringen anser, i likhet med <SPAN class="ft41">Finansinspektionen</SPAN>, att kraven på sammansättningen av kapitalbasen inte bör anges i definitionen i betaltjänstlagen. Det är enligt regeringens bedömning en bättre ordning om kraven på samman-</P>
<P class="p54 ft3">sättningen anges i bestämmelserna om kapitalkrav i samma lag.</P>
<P class="p14 ft3">119</P>
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<P class="p572 ft3">Prop. 2017/18:77 Enligt betaltjänstlagen ska ett betalningsinstitut vid varje tidpunkt ha en kapitalbas som motsvarar minst startkapitalet eller ett kapitalkrav beräknat på visst sätt (3 kap. 2 § första stycket). Det anges vidare att tillsynsförordningen gäller vid beräkningen av kapitalbasen och dess sammansättning (3 kap. 2 § andra stycket).</P>
<P class="p486 ft5">Som framgår ovan ska kapitalbasen enligt andra betaltjänstdirektivet ha en viss kvalitet, nämligen att primärkapitalet ska bestå till minst 75 procent av kärnprimärkapital och att supplementärkapitalet ska vara lika med eller lägre än en tredjedel av primärkapitalet.</P>
<P class="p486 ft70">Sammansättningen av kapitalbasen för betalningsinstitut regleras i direktivet. Mot denna bakgrund bör bestämmelserna om kapitalkrav i betaltjänstlagen ändras så att det hänvisas till tillsynsförordningen endast när det gäller hur kapitalbasen ska beräknas. Beträffande kapitalbasens sammansättning bör det i stället – i enlighet med definitionen i direktivet</P>
<P class="p573 ft40">– anges att minst 75 procent av primärkapitalet ska vara i form av kärn- primärkapital, och supplementärkapitalet får uppgå till högst en tredjedel av primärkapitalet. På detta sätt framgår att det i tillsynsförordningen anges vilka delar kapitalbasen kan bestå av (primärkapital och supplementär- kapital), medan det i betaltjänstlagen anges vilken kvalitet innehållet i kapitalbasen minst ska ha.</P>
<P class="p554 ft110"><SPAN class="ft42">5.3.13</SPAN><SPAN class="ft134">Kreditinstitut</SPAN></P>
<P class="p574 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Med kreditinstitut avses detsamma som i definitionen i lagen om bank- och finansieringsrörelse.</P>
<P class="p575 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft6">det.</P>
<P class="p486 ft40"><SPAN class="ft127">Skälen för regeringens förslag: </SPAN>Andra betaltjänstdirektivet innehåller inte någon definition av termen kreditinstitut. Termen förekommer dock i direktivet, bl.a. när det gäller reglerna om betalningsinstitutens rätt till tillgång till kreditinstitutens betalkontotjänster (dessa regler behandlas i avsnitt 9.2). Mot denna bakgrund anser regeringen att en definition av termen kreditinstitut bör tas in i betaltjänstlagen. Med kreditinstitut bör i betaltjänstlagen avses detsamma som i definitionen i lagen om bank- och finansieringsrörelse (1 kap. 5 § 10), dvs. banker och kreditmarknads- företag (jfr 1 kap. 3 § 1 betaltjänstlagen).</P>
<TABLE cellpadding=0 cellspacing=0 class="t70">
<TR>
<TD class="tr33 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr33 td58"><P class="p307 ft42">5.3.14</P></TD>
<TD class="tr33 td260"><P class="p90 ft110">Utländskt kreditinstitut</P></TD>
</TR>
<TR>
<TD class="tr40 td134"><P class="p3 ft17"> </P></TD>
<TD colspan=2 class="tr42 td284"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p177 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Med utländskt kreditinstitut avses detsamma</P></TD>
</TR>
<TR>
<TD class="tr22 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td295"><P class="p41 ft3">som i definitionen i lagen om bank- och finansieringsrörelse.</P></TD>
</TR>
<TR>
<TD class="tr2 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td93"><P class="p228 ft5"><SPAN class="ft78">Utredningen </SPAN>föreslår inte någon definition av utländskt kreditinstitut.</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p90 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tar inte upp frågan.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Andra betaltjänstdirektivet innehåller</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">inte någon definition av termen utländskt kreditinstitut. Med anledning</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">av förslaget att det ska införas en definition av kreditinstitut i betaltjänst-</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr19 td134"><P class="p512 ft7">120</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft7">lagen, vilken endast avser svenska företag (se avsnitt 5.3.13), behövs en</P></TD>
</TR>
<TR>
<TD class="tr43 td58"><P class="p3 ft116"> </P></TD>
<TD class="tr43 td260"><P class="p3 ft116"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_121">
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<P class="p557 ft3">definition även av utländskt kreditinstitut för att hänvisningar i lagen till Prop. 2017/18:77 sådana institut ska kunna ske. Mot denna bakgrund anser regeringen att</P>
<P class="p576 ft3">en definition av termen utländskt kreditinstitut bör tas in i betaltjänst- lagen. Med utländskt kreditinstitut bör i betaltjänstlagen avses detsamma som i definitionen i lagen om bank- och finansieringsrörelse (1 kap. 5 § 21), dvs. ett utländskt bankföretag och ett utländskt kreditföretag (jfr 1 kap. 3 § 8 betaltjänstlagen).</P>
<P class="p577 ft110"><SPAN class="ft42">5.3.15</SPAN><SPAN class="ft134">Obehörig transaktion</SPAN></P>
<P class="p578 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Med obehörig transaktion avses en transaktion som genomförs utan samtycke från kontohavaren eller någon annan som enligt kontoavtalet är behörig att använda kontot.</P>
<P class="p579 ft3"><SPAN class="ft42">Utredningen </SPAN>föreslår inte någon definition av obehörig transaktion.</P>
<P class="p106 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tar inte upp frågan.</P>
<P class="p580 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Andra betaltjänstdirektivet innehåller inte någon definition av termen obehörig transaktion. En definition av den termen finns emellertid i dag i lagen om obehöriga transaktioner med betalningsinstrument. Enligt förslaget i denna proposition ska den lagen upphävas och bestämmelserna överföras till betaltjänstlagen (se avsnitt 8.2). I förstnämnda lag definieras obehörig transaktion som en transaktion som genomförs utan samtycke från kontohavaren eller någon annan som enligt kontoavtalet är behörig att använda betalnings- instrumentet (2 § 2). En definition av obehörig transaktion bör tas in även i betaltjänstlagen. Med hänsyn till att det nu införs bestämmelser i betaltjänstlagen om betaltjänstleverantörens ansvar att återställa det debiterade kontot efter en obehörig transaktion samt den rätt till återkrav som kan riktas mot mellanhänder och leverantörer av betalnings- initieringstjänster som orsakat obehöriga transaktioner (se avsnitten 7.2.14, 8.4.1, 8.4.3, 8.4.6 och 14.10) bör definitionen i lagen inte vara begränsad till betalningsinstrument. Definitionen bör i stället avse transaktioner som genomförs utan samtycke från kontohavaren eller någon annan som enligt kontoavtalet är behörig att använda kontot.</P>
<TABLE cellpadding=0 cellspacing=0 class="t71">
<TR>
<TD class="tr33 td153"><P class="p441 ft42">5.3.16</P></TD>
<TD class="tr33 td283"><P class="p581 ft42">Säker kommunikation</P></TD>
<TD class="tr33 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr42 td284"><P class="p3 ft114"> </P></TD>
<TD class="tr40 td146"><P class="p3 ft17"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p228 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Med säker kommunikation avses sådan</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p228 ft5">kommunikation som uppfyller kraven i de tekniska standarder som</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p228 ft6">antagits av Europeiska kommissionen i enlighet med artikel 98 i</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td285"><P class="p582 ft3">betaltjänstdirektivet.</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr46 td286"><P class="p3 ft8"> </P></TD>
<TD class="tr47 td146"><P class="p3 ft130"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr22 td93"><P class="p202 ft5"><SPAN class="ft78">Utredningen </SPAN>föreslår inte någon definition av säker kommunikation.</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p583 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tar inte upp frågan.</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Andra betaltjänstdirektivet innehåller</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">inte någon definition av ”säker kommunikation”. Direktivet innehåller</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">däremot regler om att betaltjänstleverantörer i olika avseenden ska</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">kommunicera på ett säkert sätt med varandra och i förekommande fall</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">även i förhållande till betaltjänstanvändaren, betalaren och betalnings-</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td153"><P class="p3 ft7">mottagaren</P></TD>
<TD class="tr20 td283"><P class="p27 ft3">(artiklarna 65.2, 66.3 d, 67.2 c och 67.3 a). Dessa regler</P></TD>
<TD rowspan=2 class="tr1 td146"><P class="p17 ft3">121</P></TD>
</TR>
<TR>
<TD class="tr14 td153"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td283"><P class="p3 ft18"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_122">
<P class="p584 ft64">Prop. 2017/18:77 behandlas i avsnitten 7.2.7, 7.2.8, 7.3.9, 7.3.10 och 14.5). Innebörden av reglerna är att kommunikationen, för att anses som säker, måste uppfylla kraven i de tekniska standarder som antagits av kommissionen i enlighet med artikel 98 i andra betaltjänstdirektivet (Commission delegated regulation [EU] supplementing Directive 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication [C(2017)7782]). Vad som utgör säker kommunikation anges således i en direkt tillämplig förordning. För att skyldigheterna om säker kommunikation ska knytas till förordningens krav anser <SPAN class="ft63">Lagrådet </SPAN>att detta måste framgå uttryckligen av betaltjänst- lagen. Detta kan enligt Lagrådet ske genom att i lagen definiera säker kommunikation som sådan kommunikation som uppfyller den aktuella förordningens krav. Regeringen instämmer med Lagrådet att en sådan definition av säker kommunikation bör tas in i betaltjänstlagen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t72">
<TR>
<TD class="tr49 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr49 td108"><P class="p152 ft1">6</P></TD>
<TD class="tr49 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr49 td296"><P class="p146 ft1">Tillämpningsområdet</P></TD>
</TR>
<TR>
<TD class="tr49 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr49 td89"><P class="p152 ft97">6.1</P></TD>
<TD class="tr49 td296"><P class="p146 ft97">Aktörer</P></TD>
</TR>
<TR>
<TD class="tr27 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr27 td89"><P class="p152 ft110">6.1.1</P></TD>
<TD class="tr27 td296"><P class="p146 ft110">Inledning</P></TD>
</TR>
<TR>
<TD class="tr22 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr22 td129"><P class="p152 ft5">Andra betaltjänstdirektivet innehåller regler om vilka personer – betal-</P></TD>
</TR>
<TR>
<TD class="tr28 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr28 td129"><P class="p152 ft7">tjänstleverantörer – och aktiviteter som omfattas av direktivet (artikel 1.1<SPAN class="ft3">)</SPAN>.</P></TD>
</TR>
<TR>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td129"><P class="p152 ft7">De kategorier av betaltjänstleverantörer som anges i direktivet motsvarar i</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td89"><P class="p152 ft6">stort sett</P></TD>
<TD class="tr16 td296"><P class="p3 ft6">dem i första betaltjänstdirektivet (artikel 1.1) samt dem i</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td129"><P class="p152 ft5"><NOBR>e-penningdirektivet</NOBR> (artikel 3). De reglerna i första betaltjänstdirektivet</P></TD>
</TR>
<TR>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td129"><P class="p152 ft7">har i svensk rätt genomförts i en motsvarande bestämmelse i betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td129"><P class="p152 ft5">lagen (1 kap. 3 §). Med betaltjänstleverantörer avses i betaltjänstlagen</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td129"><P class="p152 ft6">följande aktörer.</P></TD>
</TR>
<TR>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td108"><P class="p152 ft3">1.</P></TD>
<TD colspan=2 class="tr15 td297"><P class="p71 ft3">Banker och kreditmarknadsföretag enligt lagen om bank- och</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td108"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td297"><P class="p71 ft6">finansieringsrörelse,</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td108"><P class="p152 ft6">2.</P></TD>
<TD colspan=2 class="tr16 td297"><P class="p71 ft5">institut för elektroniska pengar och de företag som har undantagits</P></TD>
</TR>
<TR>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td108"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td297"><P class="p71 ft3">från tillståndsplikt enligt lagen om elektroniska pengar,</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td108"><P class="p152 ft6">3.</P></TD>
<TD colspan=2 class="tr16 td297"><P class="p71 ft6">betalningsinstitut och de fysiska eller juridiska personer som har</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td108"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td297"><P class="p71 ft6">undantagits från tillståndsplikt (enligt 2 kap. 3 §),</P></TD>
</TR>
<TR>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td108"><P class="p152 ft3">4.</P></TD>
<TD colspan=2 class="tr15 td297"><P class="p71 ft5">statliga och kommunala myndigheter, när de inte ägnar sig åt myn-</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td108"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td297"><P class="p71 ft6">dighetsutövning,</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td108"><P class="p152 ft6">5.</P></TD>
<TD colspan=2 class="tr16 td297"><P class="p71 ft6">utländska fysiska och juridiska personer samt myndigheter inom</P></TD>
</TR>
<TR>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td108"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td297"><P class="p71 ft5">EES, motsvarande dem i <NOBR>1–4</NOBR> med undantag av sådana fysiska eller</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td108"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td297"><P class="p71 ft6">juridiska personer som har undantagits från tillståndsplikt enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td108"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td297"><P class="p71 ft5">nationella bestämmelser som genomför första betaltjänstdirektivet,</P></TD>
</TR>
<TR>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td108"><P class="p152 ft3">6.</P></TD>
<TD colspan=2 class="tr15 td297"><P class="p71 ft5">Europeiska centralbanken och nationella centralbanker i andra EES-</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td108"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td297"><P class="p71 ft5">länder, när de inte agerar i egenskap av monetär eller offentlig myn-</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td108"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td14"><P class="p71 ft6">dighet,</P></TD>
<TD class="tr16 td296"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td108"><P class="p152 ft3">7.</P></TD>
<TD colspan=2 class="tr15 td297"><P class="p71 ft5">postgiroinstitut inom EES som enligt nationell lagstiftning har rätt att</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td108"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td297"><P class="p71 ft6">tillhandahålla betaltjänster, och</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr50 td13"><P class="p17 ft7">122</P></TD>
<TD class="tr20 td108"><P class="p152 ft3">8.</P></TD>
<TD colspan=2 class="tr20 td297"><P class="p71 ft3">filialer till kreditinstitut från länder utanför EES.</P></TD>
</TR>
<TR>
<TD class="tr40 td108"><P class="p3 ft17"> </P></TD>
<TD class="tr40 td14"><P class="p3 ft17"> </P></TD>
<TD class="tr40 td296"><P class="p3 ft17"> </P></TD>
</TR>
</TABLE>
</DIV>
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<P class="p557 ft3">I avsnitt 6 finns förslag till de ändringar i betaltjänstlagen som föranleds Prop. 2017/18:77 av reglerna om syfte, tillämpningsområde och undantag i andra betal-</P>
<P class="p15 ft3">tjänstdirektivet (artiklarna <NOBR>1–3).</NOBR></P>
<P class="p585 ft110"><SPAN class="ft42">6.1.2</SPAN><SPAN class="ft125">Betaltjänstleverantörer</SPAN></P>
<P class="p586 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Definitionen av betaltjänstleverantör i betal- tjänstlagen utvidgas till att omfatta även filialer till institut för elek- troniska pengar från länder utanför EES. Dessa företag ska få till- handahålla betaltjänster i Sverige utan tillstånd enligt betaltjänstlagen.</P>
<P class="p587 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p15 ft6">det.</P>
<P class="p457 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Av andra betaltjänstdirektivet följer att även filialer till institut för elektroniska pengar med huvudkontor belägna utanför unionen omfattas av direktivet, i den mån de betaltjänster som tillhandahålls av dessa filialer är knutna till utgivning av elektron- iska pengar (artikel 1.1 b). Vidare följer av direktivet att dessa företag inte behöver tillstånd för att få tillhandahålla betaltjänster (artikel 11.1).</P>
<P class="p457 ft5">I lagen om elektroniska pengar finns bestämmelser som rör utländska företag som hör hemma utanför EES och deras möjligheter att få tillstånd att ge ut elektroniska pengar från filial i Sverige (3 kap. 28 §) samt bestämmelser om möjligheten för ett sådant institut att tillhandahålla betaltjänster och andra närliggande tjänster (3 kap. 5 §).</P>
<P class="p588 ft3">Mot bakgrund av att definitionen av betaltjänstleverantör i andra betaltjänstdirektivet har utvidgats till att även omfatta filialer till institut för elektroniska pengar bör definitionen i betaltjänstlagen utvidgas på motsvarande sätt. Definitionen av betaltjänstleverantör i betaltjänstlagen bör därför omfatta filialer till institut för elektroniska pengar från länder utanför EES. I konsekvens med direktivet bör det i betaltjänstlagen även anges att dessa företag inte behöver tillstånd enligt den lagen för att tillhandahålla betaltjänster.</P>
<TABLE cellpadding=0 cellspacing=0 class="t73">
<TR>
<TD class="tr33 td153"><P class="p169 ft42">6.1.3</P></TD>
<TD class="tr33 td283"><P class="p3 ft110">Svenska skeppshypotekskassan</P></TD>
<TD class="tr33 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr42 td284"><P class="p3 ft114"> </P></TD>
<TD class="tr40 td146"><P class="p3 ft17"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens bedömning: </SPAN>Det bör inte införas något undantag i betal-</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td285"><P class="p41 ft3">tjänstlagen för Svenska skeppshypotekskassan.</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr46 td286"><P class="p3 ft8"> </P></TD>
<TD class="tr47 td146"><P class="p3 ft130"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr22 td93"><P class="p90 ft5"><SPAN class="ft78">Utredningens bedömning </SPAN>överensstämmer med regeringens bedöm-</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td153"><P class="p3 ft6">ning.</P></TD>
<TD class="tr16 td283"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker bedömningen eller har inget att invända</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td153"><P class="p3 ft6">mot den.</P></TD>
<TD class="tr16 td283"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p90 ft78">Skälen för regeringens bedömning: <SPAN class="ft5">Andra betaltjänstdirektivet ger,</SPAN></P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">i likhet med första betaltjänstdirektivet, en möjlighet att undanta vissa</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">institut från hela eller delar av direktivet (artikel 2.5).</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p90 ft5">Andra betaltjänstdirektivet gör det möjligt att undanta Svenska skepps-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">hypotekskassan från betaltjänstlagens tillämpningsområde. Möjligheten till</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">sådan särreglering utnyttjades dock inte i Sverige när första betaltjänst-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td93"><P class="p3 ft7">direktivet genomfördes (se prop. 2009/10:220 s. 108). Regeringen anser</P></TD>
<TD rowspan=2 class="tr1 td146"><P class="p17 ft3">123</P></TD>
</TR>
<TR>
<TD class="tr14 td153"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td283"><P class="p3 ft18"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_124">
<P class="p589 ft93">Prop. 2017/18:77 inte att det finns skäl att göra någon annan bedömning i fråga om Svenska skeppshypotekskassan än den som gjordes i det lagstiftningsärendet.</P>
<P class="p590 ft37"><SPAN class="ft35">6.2</SPAN><SPAN class="ft136">Geografiska begränsningar och betaltjänster i olika valutor</SPAN></P>
<P class="p591 ft110"><SPAN class="ft42">6.2.1</SPAN><SPAN class="ft109">Inledning</SPAN></P>
<P class="p485 ft5">Liksom första betaltjänstdirektivet är andra betaltjänstdirektivet tillämp- ligt på betaltjänster som tillhandahålls inom unionen. Andra betaltjänst- direktivet innehåller också ytterligare regler om det geografiska tillämp- ningsområdet och vid transaktioner i olika valutor, vilka skiljer sig från reglerna i första betaltjänstdirektivet (artikel 2).</P>
<P class="p482 ft6">I andra betaltjänstdirektivet anges i vilken utsträckning direktivets regler om informationsgivning (avdelning III) samt om rättigheter och skyldigheter vid utförande av betaltjänster (avdelning IV) ska gälla för betaltjänster i olika valutor när både betalarens och betalningsmotta- garens betaltjänstleverantörer, eller den ende betaltjänstleverantören i transaktionen, är etablerade inom EES (artikel 2.2 och 2.3). Vidare anges i vilken utsträckning de nämnda reglerna ska gälla vid betalningstransak- tioner där endast en av betaltjänstleverantörerna är etablerad inom EES, s.k. <NOBR>one-leg</NOBR> betalningar (artikel 2.4).</P>
<P class="p549 ft3">Nedan redogörs för skillnaderna i andra betaltjänstdirektivet i förhål- lande till första betaltjänstdirektivet och de ändringar i betaltjänstlagen som de föranleder.</P>
<TABLE cellpadding=0 cellspacing=0 class="t74">
<TR>
<TD class="tr33 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr33 td153"><P class="p169 ft42">6.2.2</P></TD>
<TD class="tr33 td283"><P class="p3 ft42">Transaktioner inom EES i en medlemsstats valuta</P></TD>
</TR>
<TR>
<TD class="tr40 td134"><P class="p3 ft17"> </P></TD>
<TD colspan=2 class="tr42 td284"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td289"><P class="p41 ft5"><SPAN class="ft78">Regeringens bedömning: </SPAN>Betaltjänstlagen gäller för betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">aktioner i euro eller i någon annan av <NOBR>EES-ländernas</NOBR> valutor när såväl</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">betalarens som betalningsmottagarens betaltjänstleverantörer, eller i</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">förekommande fall den enda betaltjänstleverantören i betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">transaktionen, hör hemma inom EES. Reglerna i andra betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr22 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td295"><P class="p41 ft3">direktivet i denna del föranleder inte någon lagstiftningsåtgärd.</P></TD>
</TR>
<TR>
<TD class="tr2 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td93"><P class="p90 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>avviker från regeringens bedömning. Utred-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">ningen föreslår att det i betaltjänstlagen ska införas ett förtydligande om</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">att 4 och 5 kap. samma lag gäller för dessa betalningstransaktioner.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p90 ft42">Skälen för regeringens bedömning: <SPAN class="ft3">I andra betaltjänstdirektivet</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">anges att avdelningarna III och IV i direktivet är tillämpliga på betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">ningstransaktioner i en medlemsstats valuta om såväl betalarens som</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">betalningsmottagarens betaltjänstleverantör, eller den enda betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">leverantören i en betalningstransaktion, är etablerade inom unionen</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">(artikel 2.2). Det överensstämmer med det som gäller enligt första</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">betaltjänstdirektivet (artikel 2.1).</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft6">I denna proposition föreslås att reglerna i avdelningarna III och IV i</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr39 td134"><P class="p512 ft7">124</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft7">andra betaltjänstdirektivet ska genomföras genom i huvudsak nuvarande</P></TD>
</TR>
<TR>
<TD class="tr44 td153"><P class="p3 ft16"> </P></TD>
<TD class="tr44 td283"><P class="p3 ft16"> </P></TD>
</TR>
</TABLE>
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<P class="p490 ft3">bestämmelser i 4, 5 och 8 kap., införande av nya eller ändring av Prop. 2017/18:77 nuvarande bestämmelser i nämnda kapitel samt införande av nya</P>
<P class="p566 ft64">bestämmelser i två nya kapitel (5 a och 5 b kap.) i betaltjänstlagen (se avsnitten 7, 8, <NOBR>10–12</NOBR> och 14). I betaltjänstlagen anges att det i lagen finns bestämmelser om betaltjänster som tillhandahålls i Sverige och utförs inom EES i euro eller i någon annan av <NOBR>EES-ländernas</NOBR> valutor (1 kap. 1 §). Av detta följer att bestämmelserna i lagen, inbegripet dem i de ovan nämnda kapitlen, gäller bl.a. för betalningstransaktioner i en medlems- stats valuta när såväl betalarens som betalningsmottagarens betaltjänst- leverantör, eller den enda betaltjänstleverantören i en betalnings- transaktion, är etablerade inom EES. Regeringen anser därför, till skillnad från utredningen, att de nu aktuella reglerna i andra betaltjänst- direktivet, som motsvarar reglerna i första betaltjänstdirektivet, inte bör föranleda någon lagstiftningsåtgärd. I avsnitt 6.2.3 föreslås att begräns- ningen till <NOBR>EES-ländernas</NOBR> valutor ska utmönstras. Det förslaget påverkar inte bedömningen i förevarande avsnitt.</P>
<P class="p592 ft110"><SPAN class="ft42">6.2.3</SPAN><SPAN class="ft125">Transaktioner inom EES i ett tredjelands valuta</SPAN></P>
<P class="p593 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Betaltjänstlagen ska gälla även för betalnings- transaktioner i andra valutor än euro eller någon annan av EES- ländernas valutor.</P>
<P class="p569 ft5">När en betalningstransaktion genomförs i en annan valuta än euro eller någon annan av <NOBR>EES-ländernas</NOBR> valutor och både betalarens och betalningsmottagarens betaltjänstleverantörer hör hemma inom EES ska det gälla undantag från vissa bestämmelser i betaltjänstlagen. Detsamma ska gälla om det bara är en betaltjänstleverantör i betal- ningstransaktionen och denne hör hemma inom EES. Undantag ska gälla för bestämmelser som rör</P>
<P class="p594 ft40"><SPAN class="ft7">–</SPAN><SPAN class="ft73">information om maximal genomförandetid för en betaltjänst innan avtal ingås eller en betalningstransaktion innan den genomförs, och</SPAN></P>
<P class="p595 ft3"><SPAN class="ft7">–</SPAN><SPAN class="ft32">överförda och mottagna belopp samt om genomförandetid och valuteringsdag.</SPAN></P>
<P class="p596 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer i allt väsentligt med regeringens förslag.</P>
<P class="p12 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p57 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Som framgår i avsnitt 6.2.2 är andra betaltjänstdirektivet, liksom första betaltjänstdirektivet, tillämpligt på betaltjänster som tillhandahålls inom EES. I förhållande till första betaltjänstdirektivet har dock tillämpningsområdet utvidgats på så sätt att reglerna i avdelningarna III och IV i andra betaltjänstdirektivet – med vissa undantag – är tillämpliga även på de delar av en betalningstransak- tion som genomförs i EES i en valuta som inte är valuta i en medlemsstat (artikel 2.3 och 2.4). Motsvarande regler i första betaltjänstdirektivet är endast tillämpliga på betalningstransaktioner i euro eller valutan i en medlemsstat utanför euroområdet (artikel 2.2).</P>
<P class="p597 ft3">Betaltjänstlagens tillämpningsområde är i dag bestämt bl.a. på det</P>
<P class="p54 ft113">sättet att lagen omfattar betaltjänster som utförs inom EES i euro eller i</P>
<P class="p160 ft3">125</P>
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<P class="p498 ft70">Prop. 2017/18:77 någon annan av <NOBR>EES-ländernas</NOBR> valutor (1 kap. 1 §). I enlighet med andra betaltjänstdirektivet bör tillämpningsområdet utvidgas till att omfatta även transaktioner i andra valutor. Det innebär att lagen i sin helhet, inbegripet bestämmelserna i vilka reglerna i avdelningarna III och IV i andra betaltjänstdirektivet genomförs i svensk rätt, som huvudregel bör bli tillämplig på sådana transaktioner. Det följer redan i dag av betal- tjänstlagen att den endast är tillämplig på betaltjänster som utförs inom EES och det behöver därför inte, som i direktivet, anges att lagen är tillämplig på de delar av betalningstransaktionen som genomförs inom EES. För betalningstransaktioner där både betalarens och betalningsmot- tagarens betaltjänstleverantörer, eller den enda betaltjänstleverantören, hör hemma inom EES framstår vidare hänvisningen i direktivet till delar av betalningstransaktionen som genomförs inom EES som överflödig.</P>
<P class="p501 ft5">När en betalningstransaktion genomförs i en annan valuta än euro eller någon annan av <NOBR>EES-ländernas</NOBR> valutor och både betalarens och betal- ningsmottagarens betaltjänstleverantörer, eller den enda betaltjänst- leverantören i transaktionen, hör hemma inom EES ska vissa regler i avdelning III och IV i andra betaltjänstdirektivet inte tillämpas (artikel 2.3). Det gäller regler i avdelning III som rör information om den maximala genomförandetiden för en betaltjänst innan avtal ingås eller en betalningstransaktion innan den genomförs (artiklarna 45.1 b, 52.2 e och 56 a) och regler i avdelning IV om överförda och mottagna belopp samt om genomförandetid och valuteringsdag (artiklarna <NOBR>81–86).</NOBR> I enlighet med direktivet bör de bestämmelser i 4 och 5 kap. betaltjänstlagen som i svensk rätt genomför dessa regler i avdelningarna III och IV i direktivet uttryckligen undantas från tillämpning vid de aktuella betalningstrans- aktionerna.</P>
<P class="p598 ft3">Den möjlighet som finns i första betaltjänstdirektivet för medlems- staterna att föreskriva kortare maximitider för genomförandet av nationella betalningstransaktioner (artikel 72), och som även finns i andra betaltjänst- direktivet (artikel 86), har inte utnyttjats i svensk rätt (se prop. 2009/10:220 s. 243 f.). När det gäller den möjligheten i andra betaltjänst- direktivet gör regeringen inte någon annan bedömning än i fråga om motsvarande möjlighet i första betaltjänstdirektivet. Det blir därför inte aktuellt med något undantag i den delen när det gäller de nu aktuella bestämmelserna.</P>
<P class="p599 ft138"><SPAN class="ft42">6.2.4</SPAN><SPAN class="ft137">Transaktioner där endast en av betaltjänstleverantörerna hör hemma inom EES</SPAN></P>
<P class="p600 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Vid betalningstransaktioner där antingen betalarens eller betalningsmottagarens betaltjänstleverantör hör hemma utanför EES ska det gälla undantag från vissa bestämmelser i betaltjänstlagen.Undantag ska gälla för bestämmelser som rör</P>
<P class="p601 ft3"><SPAN class="ft42">– </SPAN>information om maximal genomförandetid för en betaltjänst innan avtal ingås eller för en betalningstransaktion innan den genomförs samt villkor för återbetalning av betalningstransaktioner som initierats av eller via en betalningsmottagare, och</P>
<P class="p279 ft3">126</P>
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<P class="p602 ft40">– avgifter vid betalningstransaktioner, återbetalning av betalnings- transaktioner initierade av eller via en betalningsmottagare, överförda och mottagna belopp, genomförandetid, betaltjänstleverantörers ansvar för en betalningstransaktion som inte har genomförts eller som har genomförts bristfälligt samt rätt till återkrav.</P>
<P class="p603 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer i allt väsentligt med regeringens förslag.</P>
<P class="p604 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p145 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet omfattas den del av en betalningstransaktion som genomförs i unionen i alla valutor av reglerna i direktivet även om endast en av betaltjänst- leverantörerna som är involverade i transaktionen är etablerad inom EES, s.k. ”one <NOBR>leg-betalningar”</NOBR> (artikel 2.4). Detta innebär att tillämpnings- området har utvidgats i förhållande till första betaltjänstdirektivet på det sättet att reglerna i avdelningarna III och IV i direktivet – med vissa undantag – är tillämpliga på dessa betalningstransaktioner (se artikel 2.1 i första betaltjänstdirektivet).</P>
<P class="p145 ft5">Betaltjänstlagen gäller för betaltjänster som utförs inom EES och är därmed tillämplig på den del av en betalningstransaktion som utförs inom EES, så länge som betaltjänsten tillhandahålls i Sverige (1 kap. 1 §, se även avsnitt 6.2.3). Detta gäller i princip också för betalningstransak- tioner där endast betalarens eller betalningsmottagarens betaltjänst- leverantör hör hemma inom EES. I förarbetena till lagen anges dock att bestämmelserna i 4 och 5 kap., i vilka reglerna i avdelningarna III och IV i första betaltjänstdirektivet genomförs, som huvudregel inte är tillämp- liga annat än om såväl betalarens som betalningsmottagarens betaltjänst- leverantör hör hemma inom EES (se prop. 2009/10:220 s. <NOBR>109–114</NOBR> och 324).</P>
<P class="p605 ft64">I enlighet med vad som följer av andra betaltjänstdirektivet bör betaltjänstlagen i sin helhet som huvudregel vara tillämplig även på betalningstransaktioner där endast betalarens eller betalningsmottagarens betaltjänstleverantör hör hemma inom EES. Detta bör gälla oavsett i vilken valuta som transaktionen genomförs. Vissa av reglerna i direktivet ska dock inte tillämpas på dessa transaktioner. Det gäller vissa regler i avdelning III som rör information om den maximala genomförandetiden för en betaltjänst innan avtal ingås eller en betalningstransaktion innan den genomförs samt villkor för återbetalning av betalningstransaktioner som initierats av eller via en betalningsmottagare (artiklarna 45.1 b, 52.2 e, 52.5 g och 56 a). Det gäller vidare vissa regler i avdelning IV som rör avgifter vid betalningstransaktioner, återbetalning av betalnings- transaktioner initierade av eller via en betalningsmottagare, överförda och mottagna belopp, genomförandetid, betaltjänstleverantörers ansvar för en betalningstransaktion som inte har genomförts eller som har genomförts bristfälligt samt rätt till återkrav (artiklarna 62.2, 76, 77, 81, 83.1, 89 och 92). De bestämmelser i 4 och 5 kap. betaltjänstlagen som genomför dessa regler i avdelningarna III och IV i direktivet bör i lagen uttryckligen undantas vid de aktuella betalningstransaktionerna. Genom ett sådant uttryckligt undantag följer att bestämmelserna i lagen i övrigt</P>
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<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">127</P>
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<P class="p589 ft76">Prop. 2017/18:77 gäller för betalningstransaktioner där endast antingen betalarens eller betalningsmottagarens betaltjänstleverantör hör hemma utanför EES.</P>
<P class="p486 ft64">För de nu aktuella betalningstransaktionerna gäller inte heller den i avdelning IV i andra betaltjänstdirektivet nya regeln som innebär att betalningsmottagaren ska förbjudas ta ut avgifter för användning av vissa betalningsinstrument eller vid vissa betaltjänster (artikel 62.4). Medlems- staterna får dock, liksom enligt första betaltjänstdirektivet (artikel 52.3), förbjuda eller begränsa betalningsmottagarens rätt att ta ut tilläggs- avgifter utöver vad som följer av direktivet (artikel 62.5). Vid genom- förandet i svensk rätt av första betaltjänstdirektivet utnyttjades denna möjlighet och enligt betaltjänstlagen gäller att en betalningsmottagare inte får ta ut någon avgift vid användning av ett visst betalnings- instrument (5 kap. 1 § fjärde stycket). I avsnitt 10 gör regeringen bedöm- ningen att förbudet bör gälla även i fortsättningen vid användning av samtliga betalningsinstrument och således inte endast i de fall som träffas av den nya regeln i andra betaltjänstdirektivet. Det föreslås därför inte någon särskild bestämmelse i betaltjänstlagen som motsvarar den nya regeln i direktivet. Medlemsstaterna har möjlighet att förbjuda tilläggs- avgifter även för sådana betalningstransaktioner där endast en av betal- tjänstleverantörerna i transaktionen hör hemma inom EES (se artikel 62.5 jämförd med artikel 2.4). Regeringen anser att det i fråga om förbudet mot tilläggsavgifter saknas skäl att göra en annan bedömning när det gäller sådana transaktioner än den som görs när det gäller andra transaktioner som omfattas av betaltjänstlagen. Även de nu aktuella betalningstransak- tionerna bör således omfattas av förbudet mot tilläggsavgifter.</P>
<P class="p607 ft97"><SPAN class="ft35">6.3</SPAN><SPAN class="ft106">Undantag från tillämpningsområdet</SPAN></P>
<P class="p608 ft110"><SPAN class="ft42">6.3.1</SPAN><SPAN class="ft109">Inledning</SPAN></P>
<P class="p485 ft5">Andra betaltjänstdirektivet innehåller ett antal undantag från direktivets tillämpningsområde (artikel 3), vilka i många fall överensstämmer med de undantag som finns i första betaltjänstdirektivet (artikel 3). Det rör sig om olika aktiviteter, typer av betalningstransaktioner och typer av betal- ningsinstrument. Några av undantagen har fått en ändrad lydelse i förhållande till första betaltjänstdirektivet.</P>
<P class="p499 ft59">I avsnitt 6.3 behandlas de nya regler om undantag i andra betaltjänst- direktivet (artikel 3) som föranleder ändringar i betaltjänstlagen.</P>
<P class="p609 ft138"><SPAN class="ft42">6.3.2</SPAN><SPAN class="ft137">Transport av kontanter och uppräkningsverksamhet</SPAN></P>
<P class="p563 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Undantaget i betaltjänstlagen för yrkesmässig, fysisk transport av kontanter ska uttryckligen omfatta även hantering av kontanter som har samband med transporten. Undantaget ska dock inte omfatta uppräkningsverksamhet.</P>
<P class="p610 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer i allt väsentligt med</P>
<P class="p489 ft23">regeringens förslag.</P>
<P class="p15 ft3">128</P>
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<P class="p611 ft5"><SPAN class="ft78">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft41">Sveriges riksbank </SPAN>och <SPAN class="ft41">Ekobrottsmyndig- heten </SPAN>välkomnar förslaget att uppräkningsverksamhet ska betraktas som en betaltjänst och stå under Finansinspektionens tillsyn, även om Riksbanken inte utesluter att det kan få konsekvenser för marknaden för kontanthantering som är svåra att överblicka. Även <SPAN class="ft41">Polismyndigheten </SPAN>anser att det är en viktig utvidgning. <SPAN class="ft41">Säkerhetsbranschen </SPAN>och <SPAN class="ft41">Loomis Sverige AB </SPAN>pekar dock på att hela värdebolagens verksamhet inklusive uppräkningsverksamheten i dag är undantagen från betaltjänstlagen och befarar ökade kostnader för kontanthantering med negativa effekter för kontanthanteringen i samhället som följd. Loomis efterlyser en reform för en standardiserad metod för att bedöma samhällets behov av kon- tanter. Säkerhetsbranschen och Loomis anser också att tillsynsansvaret borde koncentreras till en enda myndighet. <SPAN class="ft41">Förvaltningsrätten i Stock- holm </SPAN>påtalar att ett tillägg av ”hantering” framstår som någonting som går utöver transport av kontanter och att det kan tolkas som en utvidg- ning i förhållande till direktivet eftersom hantering i direktivet framstår som ett moment i transporten av sedlar och mynt.</P>
<P class="p612 ft42">Skälen för regeringens förslag</P>
<P class="p45 ft4">Kontanthantering och uppräkningsverksamhet</P>
<P class="p613 ft64">Samhället förses med kontanter genom den s.k. kontanthanteringskedjan. Kedjan består av ett antal aktörer, såväl offentliga som privata, som på olika sätt bidrar till att göra det möjligt för allmänhet och företag att få tillgång till och använda sig av kontanter. Kontanthanteringskedjan består primärt av Riksbanken, BDB Bankernas Depå AB (BDB), som i dagsläget är det enda företag som har rätt att lämna in och hämta ut kontanter hos Riks- banken, företag som tillhandahåller kontantautomater och s.k. värde- bolag. I Sverige är de dominerande värdebolagen på marknaden Loomis Sverige AB (Loomis) och Nokas Värdehantering AB. Dessa bolags verk- samheter består bl.a. i att de hämtar, lämnar och kontrollräknar kontanter, t.ex. butikers dagskassor, och sätter in behållningen på kundernas konto. Utöver värdetransporter, dvs. fysiska transporter av kontanter, sköter dessa bolag således även hanteringen av kontanter i uppräknings- centraler, även kallade värdedepåer. I depåerna räknas, äkthets- kontrolleras och sorteras sedlarna från dagskassorna. De dagskassor som hanteras i depåerna har av kunderna lagts i påsar, som tillhandahålls av värdebolagen, tillsammans med en specifikation. Vid depån förs påsen till en uppräkningsmaskin, som räknar, äkthetskontrollerar och kvalitets- sorterar sedlarna från påsen. Sedlarna blandas då fysiskt med sedlar från andra kunder. I samband med den maskinella uppräkningen skapas en elektronisk fil med uppgift om bl.a. det uppräknade beloppet och vilken kund uppräkningen avser. Därefter förs påsen tillsammans med bl.a. specifikationen från uppräkningsmaskinen till en dator, där det totalbelopp som registreras jämförs med det totalbelopp som kunden angett. Slut- ligen skapas en s.k. betalfil som skickas till den bank som bolaget samar- betar med, som i sin tur för över beloppet till det av kunden anvisade bankkontot. Det nu beskrivna förloppet kan i vissa avseenden skilja sig mellan de två olika bolagen, men huvuddragen i hanteringen är desamma.</P>
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<P class="p520 ft3">129</P>
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<P class="p527 ft3">130</P>
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<P class="p213 ft3">Verksamhet med värdetransport av kontanter omfattas av krav och tillsyn enligt lagen (1974:191) om bevakningsföretag. Enligt denna lag är det länsstyrelsen som utövar tillsyn över sådana företag (8 §). Hantering av kontanter i värdedepåer regleras dock inte i betaltjänstlagen eller någon annan författning. För sådan verksamhet finns i dag inte något krav på tillstånd.</P>
<P class="p268 ft4">Andra betaltjänstdirektivet</P>
<P class="p528 ft64">Den del av kontanthanteringskedjan som avser yrkesmässig fysisk transport av sedlar och mynt, inbegripet insamling, hantering och leverans av dessa, undantas från andra betaltjänstdirektivets tillämpningsområde (artikel 3 c). Detsamma gäller enligt första betaltjänstdirektivet (artikel 3 c). Undan- taget har i svensk rätt genomförts i en bestämmelse i betaltjänstlagen (1 kap. 6 § första stycket 1).</P>
<P class="p614 ft6">Vid genomförandet av första betaltjänstdirektivet uttalades att undan- taget omfattar exempelvis värdetransporter och den kontanthantering som är förknippad med sådana transporter och även innefattar insamling, hantering och leverans av kontanter (prop. 2009/10:220 s. 115). Vidare framgår att sådan verksamhet där ett värdetransportföretag hämtar och levererar kontanter för räkning och insättning på ett annat företags, exempelvis en butiksägares, konto också omfattas av undantaget (samma prop.).</P>
<P class="p615 ft6">Undantaget för yrkesmässig fysisk transport av sedlar och mynt i första betaltjänstdirektivet har tolkats på olika sätt i medlemsstaterna. Uppräk- ningsverksamhet har av flera av dem ansetts utgöra den betaltjänst som möjliggör kontantinsättningar samt alla åtgärder som krävs för förvalt- ningen av ett betalkonto (artikel 4.3 och punkt 1 i bilagan till första betal- tjänstdirektivet).</P>
<P class="p616 ft5">Som framgår ovan överensstämmer det nu aktuella undantaget i andra betaltjänstdirektivet med motsvarande undantag i första betaltjänst- direktivet. I skälen till andra betaltjänstdirektivet har emellertid inne- börden av undantaget förtydligats genom att det anges att direktivet inte bör tillämpas på verksamhet som bedrivs av värdetransportföretag och kontanthanteringsföretag ”när verksamheten i fråga är begränsad till fysisk transport av sedlar och mynt” (skäl 12).</P>
<P class="p214 ft40">Både fysisk transport av kontanter och uppräkning av kontanter ingår i de s.k. värdebolagens verksamhet. Den del av verksamheten som avser fysisk transport av kontanter är alltså undantagen i direktivet (artikel 3 c).</P>
<P class="p463 ft70"><SPAN class="ft81">Sveriges riksbank </SPAN>välkomnar förslaget att uppräkningsverksamhet ska stå under Finansinspektionens tillsyn men utesluter inte att det kan få konsekvenser för marknaden för kontanthantering som är svåra att överblicka. <SPAN class="ft81">Säkerhetsbranschen </SPAN>och <SPAN class="ft81">Loomis </SPAN>befarar negativa effekter för Sveriges kontantförsörjning om inte värdebolagens hela verksamhet, inklusive uppräkningsverksamheten, undantas från tillämpningsområdet.</P>
<P class="p616 ft64">Värdebolagens hantering av kontanta medel i värdedepåerna innefattar, som framgår ovan, maskinell räkning, kontroll och sortering, varefter med- len sammanblandas med andra kunders kontanter. Det skapas också en elektronisk betalfil för insättning av beloppet på kundens konto. Regeringen anser att det av skälen till andra betaltjänstdirektivet framgår att det nu aktuella undantaget i direktivet är avsett att vara begränsat till</P>
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<P class="p617 ft3">att avse just den fysiska transporten av kontanter. Hanteringen av Prop. 2017/18:77 kontanterna i värdedepåerna – framför allt den fysiska samman-</P>
<P class="p618 ft5">blandningen av olika kunders kontanter och upprättandet av en betalfil för insättning av kundens medel på dennes konto – går utöver vad som rimligen kan anses som hantering och leverans. Mot denna bakgrund kan värdebolagens uppräkningsverksamhet således inte anses vara sådan verksamhet som omfattas av undantaget i direktivet för yrkesmässig fysisk transport av sedlar och mynt. Regeringen anser därför, trots Riksbankens, Säkerhetsbranschens och Loomis synpunkter när det gäller kontant- försörjningen, att undantaget i betaltjänstlagen för tjänster som består av yrkesmässig, fysisk transport av kontanter inte bör gälla för uppräknings- verksamhet. Det bör därför anges i betaltjänstlagen att uppräknings- verksamhet inte omfattas av detta undantag. Termen uppräkningsverk- samhet är vedertagen i branschen.</P>
<P class="p619 ft4"><SPAN class="ft3">Samtidigt bör undantaget utformas på ett mer direktivnära sätt och uttryckligen omfatta även hantering av kontanter. Regeringen delar </SPAN>Förvaltningsrättens i Stockholm <SPAN class="ft3">uppfattning om att tillägget av hantering bör utformas så att det framgår att det som avses är hantering i samband med transport av kontanter.</SPAN></P>
<P class="p620 ft70">Uppräkningsverksamhet möjliggör insättningar av kontanter på ett betalkonto och bör enligt regeringens uppfattning därför i stället anses som en sådan betaltjänst som avses i andra betaltjänstdirektivet som möjliggör kontantinsättningar på ett betalkonto (artikel 4.3 och punkt 1 i bilaga I). Enligt betaltjänstlagen är en betaltjänst bl.a. en sådan tjänst som gör det möjligt att sätta in och ta ut kontanter på och från ett betalkonto samt de transaktioner som krävs för förvaltning av kontot (1 kap. 2 § 1). Förslaget att uppräkningsverksamhet inte längre ska omfattas av undan- taget i betaltjänstlagen för yrkesmässig, fysisk transport av kontanter innebär att de företag som driver sådan verksamhet kommer att omfattas av den lagen och därmed behöva uppfylla de krav som gäller bl.a. i fråga om tillstånd (2 kap.) och rörelse (3 kap.). Den som driver verksamhet som exempelvis omfattar både verksamhet med fysisk transport av kontanter och uppräkningsverksamhet kan således, som <SPAN class="ft81">Säkerhets- branschen </SPAN>och <SPAN class="ft81">Loomis </SPAN>uppmärksammar, komma att stå under tillsyn av olika myndigheter. Den frågan och frågan som Loomis tar upp om en metod för att bedöma samhällets behov av kontanter är emellertid inte sådana frågor som bör behandlas inom ramen för förevarande lagstift- ningsärende.</P>
<P class="p621 ft3">I avsnitt 16 redogörs närmare för konsekvenserna för värdebolagen av att deras uppräkningsverksamhet kommer att omfattas av betaltjänst- lagen.</P>
<P class="p622 ft112"><SPAN class="ft42">6.3.3</SPAN><SPAN class="ft111">Betalningsinstrument som används i ett begränsat nätverk</SPAN></P>
<P class="p623 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Undantaget i betaltjänstlagen för tjänster som baseras på betalningsinstrument som enbart kan utnyttjas i fråga om ett begränsat varu- eller tjänsteutbud ska preciseras så att det anges att det ska vara fråga om ett mycket begränsat sådant utbud.</P>
<P class="p624 ft3">131</P>
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<P class="p527 ft3">132</P>
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<P class="p625 ft3">I betaltjänstlagen ska det införas undantag för tjänster som baseras på betalningsinstrument som</P>
<P class="p517 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">endast är giltiga i Sverige,</SPAN></P>
<P class="p626 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">tillhandahålls på begäran av ett företag eller ett offentligt organ för inköp av en viss vara eller tjänst från en leverantör som har ingått ett avtal om detta med utgivaren av instrumentet, och</SPAN></P>
<P class="p626 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft48">regleras av en myndighet av särskilda sociala eller skattemässiga skäl.</SPAN></P>
<P class="p627 ft40">De nya bestämmelserna i betaltjänstlagen om ansvar för obehöriga transaktioner ska gälla för tjänster som baseras på särskilda betal- ningsinstrument som endast kan användas i begränsad omfattning och som är undantagna från den lagen i övrigt.</P>
<P class="p628 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att enligt utredningens förslag anges i undantaget för tjänster som baseras på vissa betalningsinstrument inte rekvisiten att instrumentet ska tillhanda- hållas ”på begäran” och att det ska finnas ”särskilda sociala eller skatte- mässiga skäl” för regleringen. I utredningens förslag används termen myndighet i stället för offentligt organ och uttrycket offentligrättslig reglering i stället för reglering av en myndighet.</P>
<P class="p616 ft64"><SPAN class="ft129">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft63">Edenred AB </SPAN>anser att förslaget om undantag för betalningsinstrument för inköp att viss vara eller tjänst (artikel 3 k iii i andra betaltjänstdirektivet), för att öka förutsebarheten och rättssäkerheten, bör kompletteras med rekvisiten att betalningsinstrumentet ska tillhanda- hållas på begäran av ett företag eller ett offentligt organ och att det ska finnas särskilda sociala och skattemässiga skäl. Vidare befarar Edenred AB att utelämnandet av rekvisitet om kommersiellt avtal när det gäller undantaget för betalningsinstrument för förvärv av varor eller tjänster i utgivarens lokaler (artikel 3 k i) innebär en risk för olika tillämpning i olika länder och anser att det utgör en brist på förutsebarhet och rättssäkerhet som bör rättas till.</P>
<P class="p629 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet undantas särskilda betalningsinstrument som endast kan användas i begränsad omfattning – i ett begränsat nätverk – från direktivets tillämpnings- område (artikel 3 k). Undantaget har fått en ändrad lydelse i förhållande till motsvarande undantag i första betaltjänstdirektivet (artikel 3 k).</P>
<P class="p214 ft5">I skälen till andra betaltjänstdirektivet motiveras ändringen av undan- taget enligt följande (skäl 13). Återkoppling från marknaden visar att de betalningsverksamheter som omfattas av undantaget för begränsade nät- verk ofta rör stora betalningsvolymer och att dessa nätverk erbjuder konsumenterna hundra- eller tusentals olika produkter och tjänster, vilket strider mot syftet med undantaget för begränsade nätverk och medför ökade risker och brist på rättsligt skydd för betaltjänstanvändare, särskilt för konsumenter, samt att dessa risker bör minskas.</P>
<P class="p630 ft124">I andra betaltjänstdirektivet har undantaget därför begränsats till att gälla tjänster som baseras på särskilda betalningsinstrument som endast kan användas i begränsad omfattning och som ingår i en av tre upp- räknande kategorier. Den första kategorin är betalningsinstrument som antingen gör det möjligt för innehavaren att förvärva varor eller tjänster</P>
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<P class="p53 ft5">endast i utgivarens lokaler eller inom ett begränsat nätverk av tjänste- leverantörer enligt ett direkt kommersiellt avtal med en professionell utgivare (artikel 3 k i). Den andra kategorin är betalningsinstrument som endast kan användas för att förvärva ett mycket begränsat urval av varor eller tjänster (artikel 3 k ii). Den tredje kategorin är betalningsinstrument som är giltiga endast i en enda medlemsstat, som tillhandahållas på begäran av ett företag eller ett offentligt organ och regleras av en myndighet av särskilda sociala eller skattemässiga skäl för att förvärva särskilda varor eller tjänster från leverantörer som har ett kommersiellt avtal med utgivaren (artikel 3 k iii).</P>
<P class="p631 ft5">Sådana betalningsinstrument som endast är giltiga i en enda medlemsstat genom vilka en viss vara eller tjänst tillhandahålls av sociala skäl och som regleras av en myndighet (artikel 3 k iii), kan t.ex. vara betalnings- instrument som utgör s.k. förbetalda kort. Undantaget är nytt i för- hållande till första betaltjänstdirektivet och har ingen motsvarighet i betaltjänstlagen. För att genomföra direktivet i denna del bör ett motsvarande undantag införas i den lagen.</P>
<P class="p632 ft64">Utredningens förslag innebär att undantag ska göras för tjänster som baseras på betalningsinstrument som tillhandahålls av ett företag eller en myndighet för inköp av en viss vara eller tjänst från en leverantör som har ingått ett avtal om detta med utgivaren av instrumentet och som utges med stöd av offentligrättslig reglering samt endast är giltiga i Sverige. Enligt regeringens uppfattning bör undantaget utformas så direktivnära som möjligt. Regeringen instämmer därför med <SPAN class="ft63">Edenred AB </SPAN>att rekvi- siten att betalningsinstrumentet ska tillhandahållas ”på begäran” av ett företag eller ett offentligt organ och att det ska finnas ”särskilda sociala och skattemässiga skäl” bör anges även i lag. Undantaget bör såldes omfatta tjänster som baseras på betalningsinstrument som tillhandahålls på begäran av ett företag eller ett offentligt organ för inköp av en viss vara eller tjänst från en leverantör som har ingått ett avtal om detta med utgivaren av instrumentet, och regleras av en myndighet av särskilda sociala eller skattemässiga skäl samt endast är giltiga i Sverige.</P>
<P class="p603 ft3">De ovan nämnda två andra kategorierna av betalningsinstrument som anges i det nu aktuella undantaget i andra betaltjänstdirektivet (artikel 3 k i och ii) motsvarar i stort sett dem som anges i undantaget i första betaltjänstdirektivet. De har emellertid preciserats och getts en tydligare utformning.</P>
<P class="p145 ft64">Den första kategorin avser tjänster som baseras på ett betalnings- instrument för inköp av varor och tjänster endast i utgivarens lokaler eller inom ett begränsat nätverk av tjänsteleverantörer enligt ett direkt kom- mersiellt avtal med en professionell utgivare (artikel 3 k i). Det kan t.ex. handla om en butikskedja om det mellan butikerna i fråga finns ett avtal som föreskriver användning av ett visst betalningsinstrument, exempelvis kundkort eller liknande. Motsvarande undantag i första betaltjänst- direktivet har i svensk rätt genomförts i en bestämmelse i betaltjänstlagen (1 kap. 6 § 5). Undantaget i lagen avser tjänster som baseras på betal- ningsinstrument som enbart kan utnyttjas inom ett begränsat nätverk av leverantörer eller hos en leverantör i dennes affärsställe. Enligt regeringens uppfattning innebär det att det nu aktuella undantaget, även med den justering som har gjorts i andra betaltjänstdirektivet, bör anses vara genomfört genom nuvarande bestämmelse i betaltjänstlagen.</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">133</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_134">
<P class="p633 ft59">Prop. 2017/18:77 Regeringen instämmer således inte med <SPAN class="ft54">Edenred AB </SPAN>att det i lagen även uttryckligen bör anges att det ska vara fråga om ett kommersiellt avtal.</P>
<P class="p634 ft6">Den andra kategorin avser tjänster som baseras på ett betalnings- instrument som endast kan användas för att förvärva ett mycket begränsat urval varor eller tjänster i (artikel 3 k ii). Det kan t.ex. handla om ett rese- kort för allmänna transporter. I första betaltjänstdirektivet finns ett mot- svarande undantag som i svensk rätt har genomförts i en bestämmelse i betaltjänstlagen (1 kap. 6 § 5). I andra betaltjänstdirektivet anges dock att det ska vara fråga om ett ”mycket” begränsat urval av varor och tjänster. Motsvarande begränsning bör därför göras även i undantaget i betal- tjänstlagen.</P>
<P class="p635 ft5">Andra betaltjänstdirektivet är inte tillämpligt på de betalnings- instrument som avses i det nu aktuella undantaget (artikel 3 k). Detta innebär att medlemsstaterna får införa nationella bestämmelser för sådana betalningsinstrument. I avsnitt 8 behandlas reglerna i det direk- tivet om obehöriga transaktioner. Motsvarande regler i första betaltjänst- direktivet har i svensk rätt genomförts i lagen om obehöriga transaktioner med betalningsinstrument. I denna proposition föreslås att dessa regler i stället ska införas i betaltjänstlagen, vilket innebär att de bestämmelser som genomför andra betaltjänstdirektivet samlas i en och samma lag (se avsnitt 8.2). Transaktioner med sådana betalningsinstrument – t.ex. kort – som omfattas av det nu aktuella undantaget i direktivet kan uppgå till betydande belopp och risken för obehöriga transaktioner kan vara lika stor som för t.ex. bankkort. Regeringen anser därför att bestämmelserna om obehöriga transaktioner i betaltjänstlagen också i fortsättningen bör gälla även för de betalningsinstrument som omfattas av undantaget i direktivet (jfr prop. 2009/10:122 s. 13).</P>
<TABLE cellpadding=0 cellspacing=0 class="t75">
<TR>
<TD class="tr51 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr51 td153"><P class="p169 ft42">6.3.4</P></TD>
<TD class="tr51 td283"><P class="p3 ft110">Betalningstransaktioner via en leverantör av</P></TD>
</TR>
<TR>
<TD class="tr20 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td283"><P class="p3 ft110">elektroniska kommunikationsnät eller</P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p3 ft110">elektroniska kommunikationstjänster</P></TD>
</TR>
<TR>
<TD class="tr42 td134"><P class="p3 ft114"> </P></TD>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>I betaltjänstlagen ska det införas undantag för</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">betalningstransaktioner som genomförs via en leverantör av elektron-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">iska kommunikationsnät eller elektroniska kommunikationstjänster,</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">där leverantören fungerar som mellanhand, om betalningstransak-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">tionerna faktureras på leverantörens faktura och</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p636 ft6">1. avser inköp av digitalt innehåll och röstbaserade tjänster, eller</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p636 ft6">2. genomförs från eller via elektronisk utrustning för välgörenhets-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">ändamål eller för inköp av biljetter.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p636 ft7">Undantagen ska gälla bara om värdet på de enskilda betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">aktionerna inte överstiger ett belopp motsvarande 50 euro och betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">ningstransaktionernas sammanlagda värde för en abonnent inte över-</P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft3">stiger ett belopp motsvarande 300 euro per månad.</P></TD>
</TR>
<TR>
<TD class="tr47 td288"><P class="p3 ft130"> </P></TD>
<TD colspan=2 class="tr46 td295"><P class="p3 ft8"> </P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td93"><P class="p90 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td153"><P class="p3 ft3">det.</P></TD>
<TD class="tr15 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td153"><P class="p90 ft80">Skälen</P></TD>
<TD class="tr16 td283"><P class="p27 ft6"><SPAN class="ft80">för regeringens förslag: </SPAN>I andra betaltjänstdirektivet</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr19 td134"><P class="p512 ft7">134</P></TD>
<TD class="tr20 td153"><P class="p3 ft5">(artikel 3 l)</P></TD>
<TD class="tr20 td283"><P class="p27 ft3">finns ett undantag från direktivet som avser betalnings-</P></TD>
</TR>
<TR>
<TD class="tr43 td153"><P class="p3 ft116"> </P></TD>
<TD class="tr43 td283"><P class="p3 ft116"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_135">
<P class="p557 ft3">transaktioner från en leverantör av elektroniska kommunikationsnät eller Prop. 2017/18:77 kommunikationstjänster som utöver elektroniska kommunikationstjänster</P>
<P class="p15 ft3">tillhandahålls för den som abonnerar på nätverket eller tjänsten</P>
<P class="p457 ft5"><SPAN class="ft5">1.</SPAN><SPAN class="ft55">för inköp av digitalt innehåll och röstbaserade tjänster, oavsett vilken anordning som används för inköp eller konsumtion av det digitala innehållet och som faktureras på den dithörande fakturan, eller</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">som genomförs från eller via elektronisk utrustning och som faktureras på den dithörande fakturan inom ramen för välgörenhet eller för inköp av biljetter.</SPAN></P>
<P class="p457 ft6">En förutsättning är att värdet på den enskilda betalningstransaktion som avses i punkterna 1 och 2 ovan inte överstiger 50 euro och att betal- ningstransaktionernas sammanlagda värde för en abonnent inte överstiger 300 euro per månad eller betalningstransaktionernas sammanlagda värde inte överstiger 300 euro under en månad om en abonnent betalar in pengar i förskott på sitt konto hos leverantören av elektroniska kommuni- kationsnät eller kommunikationstjänster. Detta undantag har ändrats i förhållande till motsvarande undantag i första betaltjänstdirektivet (artikel 3 l).</P>
<P class="p561 ft5">I skälen till andra betaltjänstdirektivet anges bl.a. att det aktuella undantaget särskilt bör inriktas på mikrobetalningar för digitalt innehåll och röstbaserade tjänster samt att en tydlig hänvisning till betalnings- transaktioner för köp av elektroniska biljetter bör införas eftersom elektroniska biljetter minskar produktions- och distributionskostnaderna i förhållande till traditionella pappersbaserade biljettkanaler och underlättar för kunderna genom att nya och enkla sätt att köpa biljetter tillhandahålls på detta sätt (skäl 16). För att mildra bördan för organisationer som samlar in välgörenhetsdonationer bör också sådana donationer omfattas av undantaget (samma skäl).</P>
<P class="p533 ft6">Undantaget för betalningstransaktioner från en leverantör av elek- troniska kommunikationsnät eller kommunikationstjänster i andra betaltjänstdirektivet skiljer sig från motsvarande undantag i första betal- tjänstdirektivet framför allt genom att undantaget i första betaltjänst- direktivet avser situationen att leverantören (operatören) inte agerar enbart som mellanhand.</P>
<P class="p637 ft5">Vid genomförandet i svensk rätt av första betaltjänstdirektivet konsta- terades att en transaktion som innebär att t.ex. en mobiltelefonoperatör gör det möjligt att förvärva en produkt eller tjänst från en tredje part omfattas av direktivets regler, beroende på operatörens roll. Om system- operatören enbart agerar som mellanhand i transaktionen utgör transak- tionen en betaltjänst. Om operatören i stället tillför ett mervärde i form av åtkomst, distribution eller sökmöjligheter utgör transaktionen dock inte en betaltjänst. Eftersom undantaget i första betaltjänstdirektivet tog sikte på situationen att operatören tillför ett mervärde – dvs. inte enbart agerar mellanhand – ansåg regeringen att undantaget var överflödigt och inte behövde tas in i betaltjänstlagen (prop. 2009/10:220 s. 118 f.).</P>
<P class="p637 ft70">Undantaget i andra betaltjänstdirektivet omfattar dock även situationer där leverantören enbart agerar som mellanhand och de skäl som anfördes vid genomförandet av första betaltjänstdirektivet är därför inte längre giltiga när det gäller det nu aktuella undantaget. I de fall där t.ex. en systemoperatör bara agerar som mellanhand i en betalningstransaktion,</P>
<TABLE cellpadding=0 cellspacing=0 class="t62">
<TR>
<TD class="tr24 td298"><P class="p3 ft3">som vid köp av en <NOBR>sms-biljett</NOBR> för en resa, aktualiseras undantaget under</P></TD>
<TD class="tr24 td78"><P class="p17 ft3">135</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_136">
<DIV id="dimg1">
<INGENBILD zsrc="H50377136x1.jpg/" id="img1">
</DIV>
<P class="p498 ft40">Prop. 2017/18:77 förutsättning att transaktionen inte överstiger det belopp som anges i direktivet. Regeringen anser att undantaget för betalningstransaktioner från en leverantör av elektroniska kommunikationsnät eller kommunika- tionstjänster i direktivet bör genomföras i ett motsvarande undantag i betaltjänstlagen. Undantaget bör vara tillämpligt i fall då systemoperatören endast är mellanhand i transaktionen. Skulle det förhålla sig så att mervärde tillförs i samband med en transaktion är det, i enlighet med de tidigare förarbetsuttalandena, inte fråga om en betaltjänst, utan i stället fråga om köp av en produkt eller tjänst.</P>
<P class="p638 ft110"><SPAN class="ft42">6.3.5</SPAN><SPAN class="ft109">Tekniska stödtjänster</SPAN></P>
<P class="p639 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Undantaget i betaltjänstlagen för tekniska tjänster som stöder betaltjänstleverantörens verksamhet med betal- tjänster utan att leverantören av tekniska tjänster vid något tillfälle kommer i besittning av medel, ska inte omfatta betalningsinitierings- tjänster eller kontoinformationstjänster.</P>
<P class="p640 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft3">det.</P>
<P class="p486 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet tillämpas direktivet inte på tekniska stödtjänster som t.ex. tillhanda- hållande av terminaler eller annan utrustning, behandling, lagring och autentisering av uppgifter, integritetsskyddande tjänster och <NOBR>it-tjänster</NOBR> (artikel 3 j). En förutsättning för att dessa tjänster ska undantas är att tjänsteleverantörerna inte vid någon tidpunkt har besittning över de medel som överförs. Ett exempel på sådana tjänster är tillhandahållande av teknisk infrastruktur som används vid betalningar, exempelvis kort- terminaler och mjukvara som gör det möjligt för en betaltjänstanvändare att initiera en betalningsorder via internet. Ett motsvarande undantag finns i första betaltjänstdirektivet (artikel 3 j). Det undantaget har i svensk rätt genomförts i ett motsvarande undantag i betaltjänstlagen (1 kap. 6 § 4). Enligt andra betaltjänstdirektivet är undantaget emellertid inte tillämpligt för betalningsinitieringstjänster och kontoinformations- tjänster. På motsvarande sätt bör det därför anges i undantaget i betal- tjänstlagen att det inte är tillämpligt för sådana tjänster.</P>
<P class="p641 ft133"><SPAN class="ft42">6.3.6</SPAN><SPAN class="ft139">Information om uttagsavgifter för att automatuttag ska undantas</SPAN></P>
<P class="p642 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>För att en tjänst som endast möjliggör uttag av kontanter med hjälp av uttagsautomater ska undantas från betaltjänst- lagen ska den som tillhandahåller tjänsten lämna information om eventuella uttagsavgifter och växelkurs innan uttaget görs och när kontanterna lämnas ut.</P>
<P class="p643 ft124"><SPAN class="ft140">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att enligt</P>
<P class="p15 ft3">136</P>
</DIV>
<DIV id="page_137">
<P class="p476 ft3">utredningens förslag krävs inte att information ska lämnas om eventuell Prop. 2017/18:77 växelkurs.</P>
<P class="p478 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p644 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet undantas vissa tjänster avseende uttag av kontanter i uttagsautomater (artikel 3 o). Undantaget innebär att den som tillhandahåller fristående uttags- automater men inte några andra betaltjänster, och inte heller är part i ramavtalet med den person som använder uttagsautomaten, inte omfattas av direktivet. Det överensstämmer i stort sett med det som gäller enligt första betaltjänstdirektivet (artikel 3 o). Undantaget i det direktivet har i svensk rätt genomförts i ett motsvarande undantag i betaltjänstlagen (1 kap. 6 § 6). I andra betaltjänstdirektivet har det dock gjorts ett tillägg som innebär att kunden ska informeras om eventuella uttagsavgifter innan uttaget görs samt vid mottagandet av kontanter i slutet av transaktionen efter att uttaget gjorts. Det innebär således att vissa regler i direktivet är tillämpliga även för denna typ av tjänst (artiklarna 45, 48, 49 och 59). Utredningen föreslår att det nuvarande undantaget i betaltjänst- lagen ska kompletteras med ett villkor som innebär att det ställs krav på information till kunden om eventuella uttagsavgifter innan uttaget görs och då kontanterna lämnas ut. De regler i direktivet som ska vara tillämp- liga för dessa tjänsteleverantörer avser dock inte bara uttagsavgifter, utan även information om eventuell växelkurs (se artikel 59.2 och avsnitt 14.13). Regeringen anser därför att information även bör lämnas om växelkurs i de fall valutaväxling erbjuds i en uttagsautomat. På mot- svarande sätt som anges i direktivet bör det anges i betaltjänstlagen att sådan information ska lämnas dels innan uttaget görs, dels när kontant- erna lämnas ut.</P>
<TABLE cellpadding=0 cellspacing=0 class="t76">
<TR>
<TD class="tr50 td177"><P class="p181 ft42">6.3.7</P></TD>
<TD class="tr50 td299"><P class="p645 ft110">Betalningstransaktioner genom en</P></TD>
<TD class="tr50 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr22 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td299"><P class="p645 ft110">handelskommissionär eller handelsagent</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
<TD class="tr42 td146"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Undantaget i betaltjänstlagen för betalnings-</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft7">transaktioner som sker genom en handelskommissionär ska utvidgas</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft5">till att omfatta även betalningstransaktioner som sker från betalaren till</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">betalningsmottagaren genom en handelsagent eller liknande</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft7">uppdragstagare, som för endast betalarens eller betalningsmottagarens</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft3">räkning förhandlar eller ingår avtal om köp eller försäljning av varor</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft3">eller tjänster.</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr46 td286"><P class="p3 ft8"> </P></TD>
<TD class="tr47 td146"><P class="p3 ft130"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr22 td93"><P class="p27 ft5"><SPAN class="ft78">Utredningens bedömning </SPAN>överensstämmer inte med regeringens för-</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">slag. Utredningen gör bedömningen att det inte krävs någon lagändring.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p27 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker bedömningen eller har inget att invända</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">mot den.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet är</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">betalningstransaktioner från betalaren till betalningsmottagaren genom</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">en handelsagent som genom ett avtal auktoriserats att förhandla om eller</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">slutföra försäljning eller köp av varor eller tjänster på endast betalarens</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td177"><P class="p3 ft3">eller</P></TD>
<TD class="tr15 td299"><P class="p27 ft3">betalningsmottagarens vägnar undantagna från direktivet</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td93"><P class="p3 ft5">(artikel 3 b). Ett motsvarande undantag finns i första betaltjänstdirektivet</P></TD>
<TD rowspan=2 class="tr50 td146"><P class="p17 ft3">137</P></TD>
</TR>
<TR>
<TD class="tr40 td177"><P class="p3 ft17"> </P></TD>
<TD class="tr40 td299"><P class="p3 ft17"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_138">
<P class="p498 ft64">Prop. 2017/18:77 (artikel 3 b). I den svenska språkversionen av det direktivet anges dock att undantaget, i stället för betalningar genom en handelsagent, omfattar betalningar genom ett handelsombud. I bl.a. de engelska språkver- sionerna av de båda direktiven används dock samma term (”commercial agent”). Någon skillnad i sak är det således inte fråga om i detta avseende. En skillnad jämfört med första betaltjänstdirektivet är dock att det anges att undantaget endast är tillämpligt om handelsagenten agerar ”enbart” för betalarens eller betalningsmottagarens räkning. Denna preci- sering av undantaget motiveras i skälen till direktivet med att undantaget i första betaltjänstdirektivet tillämpas mycket olika i medlemsstaterna och att vissa medlemsstater tillåter att undantaget tillämpas av <NOBR>e-handels-</NOBR> plattformar som agerar som mellanhänder på både enskilda köpares och säljares vägnar utan att ha något verkligt utrymme att förhandla om eller slutföra försäljningar eller inköp (skäl 11). Enligt samma skäl går en sådan tillämpning av undantaget utöver det avsedda tillämpningsområdet och kan bl.a. öka risken för konsumenterna eftersom handelsombuden inte omfattas av reglerna i betaltjänstdirektivet. Vidare anges att undantaget därför bara bör gälla när ett ombud agerar enbart för betalarens eller enbart för betalningsmottagarens räkning, oavsett om ombudet är i besittning av kundens medel eller inte.</P>
<P class="p646 ft64">Undantaget i första betaltjänstdirektivet (artikel 3 b) har genomförts i ett motsvarande undantag i betaltjänstlagen (1 kap. 7 § första stycket 6). Enligt det undantaget gäller betaltjänstlagen inte betalningstransaktioner som sker från en betalare till en betalningsmottagare genom en handels- kommissionär. Under beredningen av detta lagstiftningsärende har det av</P>
<P class="p647 ft41">Finansinspektionen<SPAN class="ft5">, </SPAN>Trustly Group <SPAN class="ft5">och </SPAN>Vinge advokatbyrå <SPAN class="ft5">påtalats att så som undantaget i betaltjänstlagen är utformat har det ett snävare tillämp- ningsområde än motsvarande undantag i betaltjänstdirektivet. För det första bör undantaget i direktivet anses omfatta även den som är handels- agent enligt lagen (1991:351) om handelsagentur. Med handelsagent för- stås den som i en näringsverksamhet har avtalat med en annan, huvud- mannen, att för hans eller hennes räkning självständigt och varaktigt verka för försäljning eller köp av varor genom att ta upp anbud till huvudmannen eller sluta avtal i dennes namn (1 § lagen om handels- agentur). För det andra omfattar undantaget i direktivet betalningar genom den som på betalarens eller betalningsmottagarens vägnar för- handlar eller ingår avtal om köp eller försäljning av tjänster. Definitions- mässigt avser dock varken handelskommissionärens eller handels- agentens uppdrag köp och försäljning av tjänster (jfr 1 § kommissions- lagen [2009:865] och 1 § lagen om handelsagentur). Av dessa skäl bör undantaget i betaltjänstlagen justeras så att det, förutom handels- kommissionärer, omfattar även handelsagenter och liknande upp- dragstagare. Undantaget bör, i enlighet med den begränsning av undan- taget som har införts i andra betaltjänstdirektivet, gälla endast om det är fråga om ett uppdrag att för endast betalarens eller endast betalnings- mottagarens räkning förhandla eller ingå avtal om köp eller försäljning av varor eller tjänster.</SPAN></P>
<P class="p648 ft3">138</P>
</DIV>
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<P class="p649 ft37"><SPAN class="ft35">6.4</SPAN><SPAN class="ft36">Anmälan om och register över verksamhet som omfattas av vissa undantag</SPAN></P>
<P class="p650 ft110"><SPAN class="ft42">6.4.1</SPAN><SPAN class="ft125">Anmälan till Finansinspektionen</SPAN></P>
<P class="p651 ft70"><SPAN class="ft126">Regeringens förslag: </SPAN>Den som driver verksamhet som avser tjänster som baseras på betalningsinstrument som enbart kan utnyttjas inom ett begränsat nätverk av leverantörer, hos en leverantör i dennes affärs- ställe eller i fråga om ett mycket begränsat varu- eller tjänsteutbud ska anmäla detta till Finansinspektionen om det sammanlagda värdet av de betalningstransaktioner som genomförts under de senaste tolv månaderna överstiger ett belopp motsvarande en miljon euro.</P>
<P class="p652 ft3">Även den som driver verksamhet som avser följande betalnings- transaktioner ska anmäla det till Finansinspektionen, nämligen betal- ningstransaktioner</P>
<P class="p653 ft6"><SPAN class="ft7">–</SPAN><SPAN class="ft33">som genomförs via en leverantör av elektroniska kommunika- tionsnät eller elektroniska kommunikationstjänster, vilken endast fungerar som mellanhand,</SPAN></P>
<P class="p653 ft6"><SPAN class="ft7">–</SPAN><SPAN class="ft33">för inköp av digitalt innehåll och röstbaserade tjänster eller från eller via elektronisk utrustning för välgörenhetsändamål eller för inköp av biljetter,</SPAN></P>
<P class="p517 ft3"><SPAN class="ft7">–</SPAN><SPAN class="ft48">som faktureras på leverantörens faktura och</SPAN></P>
<P class="p653 ft6"><SPAN class="ft7">–</SPAN><SPAN class="ft33">som enskilt inte överstiger ett belopp motsvarande 50 euro och sammanlagt för en abonnent inte överstiger ett belopp motsvarande 300 euro per månad.</SPAN></P>
<P class="p654 ft40">Den som driver sådan verksamhet som ska anmälas till Finans- inspektionen ska lämna Finansinspektionen de upplysningar om sin verksamhet och därmed sammanhängande omständigheter som inspektionen begär. Regeringen eller den myndighet som regeringen bestämmer ska få meddela föreskrifter om upplysningsskyldigheten.</P>
<P class="p655 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att enligt utredningens förslag ska Finansinspektionen, beträffande sådan verksamhet som avser betalningsinstrument som används i ett begränsat nätverk, besluta om verksamheten omfattas av undantag.</P>
<P class="p514 ft76"><SPAN class="ft135">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p611 ft64"><SPAN class="ft129">Skälen för regeringens förslag: </SPAN>Av andra betaltjänstdirektivet (artikel 37.2) följer att tjänsteleverantörer som driver sådan verksamhet som avses i undantaget för särskilda betalningsinstrument som gör det möjligt för innehavaren att förvärva varor eller tjänster endast i utgivarens lokaler eller inom ett begränsat nätverk av tjänsteleverantörer (artikel 3 k i) eller som endast kan användas för att förvärva ett mycket begränsat urval av varor och tjänster (artikel 3 k ii) och för vilka det sammanlagda värdet av de genomförda betalningstransaktionerna under de föregående tolv månaderna överstiger en miljon euro ska underrätta de behöriga myndigheterna om detta. Underrättelsen ska innehålla en beskriv- ning av de tjänster som tillhandahålls och det ska också framgå vilket av de nu aktuella undantagen i direktivet som verksamheten avser. Om den behöriga myndigheten finner att verksamheten inte kan betraktas som ett</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">139</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_140">
<TABLE cellpadding=0 cellspacing=0 class="t77">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p3 ft7">begränsat nätverk ska myndigheten fatta ett välmotiverat beslut utifrån de</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">kriterier som anges i undantaget samt underrätta tjänsteleverantören om</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">detta (artikel 37.2 andra stycket). De verksamheter som avses i det nu</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">aktuella undantaget är de som behandlas i avsnitt 6.3.3.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p31 ft7">Dessa regler i andra betaltjänstdirektivet bör genomföras i motsvarande</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">bestämmelser i betaltjänstlagen. Enligt bestämmelserna bör det därför</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">gälla att en leverantör som tillhandahåller tjänster inom ramen för det</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">nämnda undantaget ska anmäla detta till Finansinspektionen, om värdet</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">av de genomförda betalningstransaktionerna i verksamheten under de</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">senaste tolv månaderna överstiger ett belopp motsvarande en miljon euro.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">Utredningen anser att när det gäller den information om sin verksamhet</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">som dessa aktörer ska ge in till Finansinspektionen framstår det som mest</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">lämpligt att regeringen eller den myndighet som regeringen bestämmer</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">ska få meddela föreskrifter om vad detta underlag ska innehålla, men</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">föreslår inte något sådant bemyndigande i betaltjänstlagen. Regeringen</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">konstaterar att föreskrifter om vad en anmälan ska innehålla inte kräver stöd i</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">lag (jfr 5 § 9 betaltjänstförordningen). Regeringen kan således bemyndiga</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">Finansinspektionen att meddela föreskrifter om detta.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft5">Enligt utredningen bör det vidare anges i betaltjänstlagen att Finans-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">inspektionen, på grundval av de uppgifter som lämnas av en aktör som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">driver verksamhet inom ramen för undantaget om tjänster som baseras på</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">betalningsinstrument som enbart kan utnyttjas inom ett begränsat nätverk</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">av leverantörer, ska fatta beslut om verksamheten omfattas av undan-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">taget. <SPAN class="ft41">Lagrådet </SPAN>påpekar dock att undantaget i fråga gäller oavsett Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">inspektionens beslut och att det därmed framstår som oklart vilken</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">betydelse ett sådant beslut skulle ha. Regeringen, som delar Lagrådets</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">uppfattning, finner därmed till skillnad från utredningen att det i betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">tjänstlagen inte bör tas in en bestämmelse om att Finansinspektionen ska</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">besluta om huruvida verksamheten omfattas av undantaget. Däremot bör</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">registrering av anmälan om undantag endast ske om förutsättningarna för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">undantag är uppfyllda (se avsnitt 6.4.2). Finansinspektionen kommer där-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">med att i samband med registreringen pröva om förutsättningarna för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">undantag är uppfyllda och, för det fall inspektionen bedömer att så inte är</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">fallet, underrätta anmälaren om det.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p31 ft7">En sådan bestämmelse om anmälningsskyldighet för de leverantörer som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">anser sig driva verksamhet inom ett begränsat nätverk medför att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">kontrollen över vilka dessa aktörer är ökar samt att Finansinspektionen</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">får bättre förutsättningar för att avgöra när ett nätverk är att anse som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">begränsat.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft7">Den beloppsbegränsning som anges i direktivet innebär att aktörer som</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">åberopar undantaget och vilkas sammanlagda betalningstransaktioner</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">under ett år understiger ett belopp som motsvarar en miljon euro inte</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">behöver anmäla sin verksamhet till Finansinspektionen. Denna belopps-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">begränsning framstår enligt regeringens bedömning som väl avvägd.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft5">I likhet med verksamheter som drivs inom ramen för det nu aktuella</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">undantaget i andra betaltjänstdirektivet ska det enligt direktivet</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">(artikel 37.3) gälla anmälningsskyldighet även för de aktörer som driver sin</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">verksamhet inom ramen för undantaget för betalningstransaktioner som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">genomförs via en leverantör av elektroniska kommunikationstjänster</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">(artikel 3 l). Av direktivet följer att tjänsteleverantörer som driver verk-</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">140</P></TD>
<TD class="tr28 td93"><P class="p3 ft7">samhet enligt det undantaget ska underrätta de behöriga myndigheterna</P></TD>
</TR>
</TABLE>
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<P class="p476 ft3">och förse dem med ett årligt revisionsuttalande av vilket det framgår att Prop. 2017/18:77 verksamheten är förenlig med de gränser som anges i direktivet</P>
<P class="p656 ft3">(artikel 37.3). De verksamheter som avses i detta undantag är sådana som behandlas i avsnitt 6.3.4.</P>
<P class="p644 ft5">På motsvarande sätt som för betaltjänster som används i ett begränsat nätverk bör det i betaltjänstlagen införas en bestämmelse om att den som driver verksamhet som avser betalningstransaktioner som genomförs via en leverantör av elektroniska kommunikationstjänster ska anmäla detta till Finansinspektionen. När det gäller en skyldighet att förse den behöriga myndigheten med ett årligt revisionsutlåtande (artikel 37.3) kan även detta anges i myndighetsföreskrifter. Finansinspektionen får enligt betaltjänstlagen begära att registrerade betaltjänstleverantörer m.fl. lämnar upplysningar om sin verksamhet och därmed sammanhängande omständigheter (8 kap. 2 §). Finansinspektionen bör få möjlighet att begära sådana uppgifter även av den som har anmält att den utnyttjar ett undantag från betaltjänstlagen. På samma sätt som gäller upplysningar från andra företag (8 kap. 27 §), bör regeringen eller den myndighet som regeringen bestämmer få meddela föreskrifter om upplysningsskyldig- heten.</P>
<P class="p657 ft40">Påpekas bör att även om det inte anges i betaltjänstlagen att Finans- inspektionen ska besluta om undantaget är tillämpligt, kan inspektionen ingripa mot någon som inspektionen bedömer driver verksamhet som omfattas av den lagen utan att vara berättigad till det (8 kap. 24 §).</P>
<P class="p658 ft112"><SPAN class="ft42">6.4.2</SPAN><SPAN class="ft111">Finansinspektionens register och underrättelse till Europeiska bankmyndigheten</SPAN></P>
<P class="p659 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Finansinspektionen ska, om förutsättningarna för undantag är uppfyllda, registrera den som har gjort en anmälan om undantag samt föra in en beskrivning av de verksamheter som anmälts enligt bestämmelserna om undantag i betaltjänstlagen i det register som inspektionen för enligt den lagen.</P>
<P class="p660 ft3">Finansinspektionen ska underrätta Europeiska bankmyndigheten om den information som förs in i registret.</P>
<TABLE cellpadding=0 cellspacing=0 class="t78">
<TR>
<TD class="tr22 td298"><P class="p661 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens</P></TD>
<TD class="tr22 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">förslag. Utredningens förslag avviker från regeringens förslag genom att</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">det i utredningens förslag inte anges att förutsättningarna för undantag</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">ska vara uppfyllda för att registrering av anmälan om undantag ska ske.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">den som driver verksamhet med betalningsinstrument som enbart kan</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">användas inom ett begränsat nätverk av leverantörer, hos en leverantörs</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">affärsställe eller för ett mycket begränsat varu- eller tjänsteutbud, i vissa</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft7">fall anmäla detta till den behöriga myndigheten (artikel 37.2 med hänvis-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft6">ning till artikel 3 k i och ii, se avsnitt 6.4.1). Detsamma gäller för den</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft7">som driver verksamhet med betalningstransaktioner från en leverantör av</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft7">elektroniska kommunikationsnät eller kommunikationstjänster i vissa fall</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p661 ft5">(artikel 37.3 med hänvisning till artikel 3 l). De behöriga myndigheterna</P></TD>
<TD rowspan=2 class="tr50 td78"><P class="p17 ft3">141</P></TD>
</TR>
<TR>
<TD class="tr40 td298"><P class="p3 ft17"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_142">
<TABLE cellpadding=0 cellspacing=0 class="t79">
<TR>
<TD class="tr22 td28"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p3 ft7">ska informera Eba om de tjänster som anmälts i enlighet med dessa regler</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">och inom ramen för vilket undantag verksamheten drivs (artikel 37.4). En</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">beskrivning av de verksamheter som har anmälts ska offentliggöras, dels i</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">det register som den behöriga myndigheten ska föra över företag som</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">driver betaltjänstverksamhet, dels i Ebas motsvarande register</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">(artikel 37.5).</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft5">Enligt utredningen bör det anges i betaltjänstlagen att Finansinspek-</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">tionen ska registrera den som har gjort en anmälan om undantag samt</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">föra in en beskrivning av de verksamheter som har anmälts till inspek-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">tionen i det register som myndigheten för enligt den lagen (8 kap. 5 §).</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">Enligt regeringens uppfattning bör det dock av bestämmelsen i betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">tjänstlagen även framgå att en anmälan endast ska registreras om den</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">uppfyller förutsättningarna för undantag. Finansinspektionen får således i</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">samband med registreringen pröva om förutsättningarna för undantag är</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">uppfyllda och, för det fall inspektionen bedömer att så inte är fallet,</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">underrätta anmälaren om det.</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p31 ft5">Finansinspektionen bör även i enlighet med reglerna i direktivet vara</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">skyldig att lämna Eba den information som inspektionen för in i sitt</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">register med anledning av en anmälan om utnyttjande av de nu aktuella</P></TD>
</TR>
<TR>
<TD class="tr20 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft3">undantagen.</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t80">
<TR>
<TD class="tr27 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td177"><P class="p62 ft118">6.5</P></TD>
<TD class="tr27 td299"><P class="p166 ft97">Tvingande bestämmelser</P></TD>
</TR>
<TR>
<TD class="tr48 td134"><P class="p3 ft131"> </P></TD>
<TD colspan=2 class="tr41 td284"><P class="p3 ft108"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>En betaltjänstleverantör ska få komma överens</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft7">med en betaltjänstanvändare som inte är konsument om avvikelse från</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">vissa särskilt angivna bestämmelser i betaltjänstlagen som rör</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">obehöriga transaktioner.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p636 ft6">Avtalsvillkor som i jämförelse med bestämmelserna i betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">lagen är till nackdel för en konsument ska vara utan verkan mot denne,</P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft3">om inte annat anges i lagen.</P></TD>
</TR>
<TR>
<TD class="tr47 td288"><P class="p3 ft130"> </P></TD>
<TD colspan=2 class="tr46 td295"><P class="p3 ft8"> </P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td93"><P class="p27 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">Utredningens förslag avviker från regeringens förslag genom att det i</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">utredningens förslag inte föreslås någon bestämmelse som innebär att</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">avtalsvillkor som i jämförelse med bestämmelserna i betaltjänstlagen är</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">till nackdel för en konsument ska vara utan verkan mot denne, om inte</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">annat framgår av lagen.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr20 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td177"><P class="p3 ft3">det.</P></TD>
<TD class="tr20 td299"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr49 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr49 td93"><P class="p3 ft42">Skälen för regeringens förslag</P></TD>
</TR>
<TR>
<TD class="tr24 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr24 td93"><P class="p3 ft4">Möjligheter att avvika från lagens bestämmelser</P></TD>
</TR>
<TR>
<TD class="tr2 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td93"><P class="p3 ft5">Enligt andra betaltjänstdirektivet får, i de fall betaltjänstanvändaren inte</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">är konsument, betaltjänstanvändaren och betaltjänstleverantören avtala</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">om att artiklarna 62.1, 64.3, 72, 74, 76, 77, 80 och 89 helt eller delvis inte</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">ska vara tillämpliga samt avtala om andra tidsfrister än de som fastställs i</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">artikel 71 (artikel 61.1). Det överensstämmer med det som gäller enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft6">första</P></TD>
<TD class="tr16 td299"><P class="p27 ft6">betaltjänstdirektivet (artikel 51.1) och som i svensk rätt har</P></TD>
</TR>
<TR>
<TD class="tr20 td134"><P class="p512 ft7">142</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft7">genomförts i en bestämmelse i betaltjänstlagen (5 kap. 33 §) med undan-</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_143">
<DIV>
<DIV id="id_1">
<P class="p513 ft70">tag för reglerna om obehöriga transaktioner som genomförts i lagen om obehöriga transaktioner. Den kan i sammanhanget noteras att det finns en motsvarande regel i andra betaltjänstdirektivet som avser regleringen av informationskrav (artikel 38). Den överensstämmer med det som gäller enligt första betaltjänstdirektivet (artikel 30.1) och som i svensk rätt har genomförts i en bestämmelse i betaltjänstlagen (4 kap. 20 §).</P>
<P class="p514 ft6">I betaltjänstlagen anges att en betaltjänstleverantör får komma överens om avvikelser från vissa angivna bestämmelser med en betaltjänst- användare som inte är konsument. I lagen om obehöriga transaktioner finns i stället en bestämmelse om att avtalsvillkor som i jämförelse med bestämmelserna i den lagen är till nackdel för en konsument är utan verkan mot honom eller henne (3 §).</P>
<P class="p519 ft64">Det bör tas in en bestämmelse i betaltjänstlagen i vilken det anges att en betaltjänstleverantör får komma överens med en betaltjänstanvändare som inte är konsument även om avvikelser från vissa särskilt angivna bestämmelser som rör obehöriga transaktioner (jfr motsvarande bestämmelser i 4 kap. 20 § andra stycket och 5 kap. 33 § andra stycket). De angivna bestämmelserna bör motsvara dem som anges i andra betaltjänstdirektivet. På så sätt klargörs att avvikelser får ske från den näringsrättsliga regleringen, dvs. att betaltjänstleverantören i en sådan situation inte kan anses ha överträtt bestämmelserna.</P>
<P class="p662 ft64">Beträffande placeringen av en sådan bestämmelse, liksom av mot- svarande bestämmelser som redan finns i betaltjänstlagen (4 kap. 20 § andra stycket och 5 kap. 33 § andra stycket), anser <SPAN class="ft63">Lagrådet </SPAN>att det är mindre lämpligt att regler som rör parternas handlingsfrihet i ett i övrigt tvingande regelverk kommer först i slutet av ett kapitel och att detta bör övervägas under den fortsatta beredningen. Regeringen anser emellertid att bestämmelserna, som innebär att en betaltjänstleverantör i vissa fall medges undantag från annars tvingande näringsrättsliga bestämmelser, har sin naturliga placering i slutet av respektive kapitel i betaltjänstlagen.</P>
<P class="p263 ft4">Tvingande bestämmelser i konsumentförhållanden</P>
<P class="p663 ft64">Enligt betaltjänstlagen (4 kap. 20 § första stycket och 5 kap. 33 § första stycket) får vissa angivna bestämmelser i den lagen inte frångås till nackdel för en betaltjänstanvändare. Eftersom det även anges att en betaltjänstanvändare kan komma överens om avvikelser med en betaltjänstanvändare som inte är konsument, innebär bestämmelsen att de angivna bestämmelserna är tvingande till förmån för konsumenter. <SPAN class="ft63">Lagrådet </SPAN>konstaterar att en reglering med samma utformning finns i några få lagar i svensk rätt (jfr t.ex. 3 § lagen [2003:862] om finansiell rådgivning till konsumenter och 2 § lagen [1985:982] om näringsidkares rätt att sälja saker som inte har hämtats). Enligt Lagrådet är däremot den formulering som används mer regelmässigt i konsumentskyddslagstift- ningen en annan, nämligen att ”avtalsvillkor som i jämförelse med bestämmelserna i denna lag är till nackdel för en konsument är utan verkan mot honom eller henne, om inte annat anges i lagen” (jfr t.ex. 4 § fastighetsmäklarlagen [2011:666], 3 § första stycket konsumentköplagen [1990:932], 3 § konsumenttjänstlagen [1985:716] och 5 § konsument- kreditlagen [2010:1846]). Den senare formuleringen används också i lagen om obehöriga transaktioner med betalningsinstrument (3 §).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">143</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_144">
<TABLE cellpadding=0 cellspacing=0 class="t79">
<TR>
<TD class="tr22 td28"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p17 ft3">Enligt Lagrådets mening är det lämpligt att det av lagtexten framgår</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p27 ft5">vilka konsekvenserna blir av avtalsvillkor som avviker från lagens regler</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">till nackdel för en betaltjänstanvändare som är en konsument. Lagrådet</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">föreslår därför att de aktuella bestämmelserna i betaltjänstlagen (4 kap.</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft5">20 § första stycket och 5 kap. 33 § första stycket) slopas och att det</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">i stället i 1 kap. införs en bestämmelse om att avtalsvillkor som är till</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">nackdel för en konsument inte har någon verkan mot konsumenten (jfr</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">prop. 2009/10:220 s. 431).</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">Regeringen instämmer med Lagrådet. I betaltjänstlagen bör det således</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">tas in en bestämmelse i 1 kap. som innebär att avtalsvillkor som i jäm-</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p27 ft7">förelse med bestämmelserna i den lagen är till nackdel för en konsument</P></TD>
</TR>
<TR>
<TD class="tr20 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft3">är utan verkan mot denne, om inte annat anges i lagen.</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t81">
<TR>
<TD class="tr49 td65"><P class="p3 ft1">7</P></TD>
<TD class="tr49 td300"><P class="p153 ft97">Tredjepartsbetaltjänstleverantörer</P></TD>
</TR>
<TR>
<TD class="tr49 td65"><P class="p3 ft97">7.1</P></TD>
<TD class="tr49 td300"><P class="p153 ft97">Inledning</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t82">
<TR>
<TD class="tr22 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td301"><P class="p305 ft3">Genom andra betaltjänstdirektivet införs regler om s.k. tredjeparts-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">betaltjänstleverantörer. De tjänster som dessa aktörer erbjuder och som</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft3">regleras i direktivet är betalningsinitieringstjänster respektive konto-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">informationstjänster, som båda utgör betaltjänster enligt direktivet. Termen</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">betaltjänst har således fått en delvis ny och ändrad innebörd (se närmare i</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft7">avsnitt 5.2). Dessa tjänster erbjuds redan i dag på marknaden av olika före-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">tag. Genom direktivet blir denna marknad reglerad, till skillnad från vad</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">som varit fallet hittills.</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p432 ft3">Uttrycket betalningsinitieringstjänst definieras i andra betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">direktivet som ”en tjänst för att initiera en betalningsorder på begäran av</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">betaltjänstanvändaren med avseende på ett betalkonto hos en annan betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft7">tjänstleverantör” (artikel 4.1.15, se närmare i avsnitt 5.2). Redan i dag finns</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">flera varianter av dessa tjänster och det kan förutsättas att nya modeller</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">kommer att erbjudas i framtiden.</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p432 ft7">Den som tillhandahåller en betalningsinitieringstjänst erbjuder en möj-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">lighet att genomföra betalningar genom att leverantören av betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">initieringstjänsten får tillgång till betalarens bankuppgifter för att full-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">följa en betalning utan att betalaren behöver använda sig av bank- eller</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">kreditkort. När andra betaltjänstdirektivet har genomförts kommer en</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">leverantör av betalningsinitieringstjänster att vara tvungen att identifiera</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">sig mot banken när betalningen genomförs. Detta kommer att innebära</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">att banken, till skillnad från i dag, kommer att kunna se att en betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">transaktion utförs med en betalningsinitieringstjänst.</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p432 ft7">I andra betaltjänstdirektivet definieras vidare en kontoinformationstjänst</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">som ”en onlinetjänst för att tillhandahålla sammanställd information om</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">ett eller flera betalkonton som betaltjänstanvändaren innehar hos</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">antingen en annan betaltjänstleverantör eller hos fler än en betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">leverantör” (artikel 4.1.16, se närmare i avsnitt 5.2).</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p432 ft5">På samma sätt som när det gäller en betalningsinitieringstjänst kan</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">banken i dag inte se om det är den egna kunden eller en leverantör av</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr22 td138"><P class="p196 ft7">144</P></TD>
<TD class="tr28 td301"><P class="p305 ft7">kontoinformationstjänster som hämtar uppgiften. Även dessa leverantörer</P></TD>
</TR>
<TR>
<TD class="tr43 td301"><P class="p3 ft116"> </P></TD>
</TR>
</TABLE>
</DIV>
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<P class="p490 ft3">kommer med andra betaltjänstdirektivets reglering att bli tvungna att Prop. 2017/18:77 identifiera sig mot den kontoförvaltande betaltjänstleverantören, som ofta</P>
<P class="p54 ft3">är en bank.</P>
<P class="p57 ft5">Andra betaltjänstdirektivet innehåller en rad särregler för leverantörer av betalningsinitieringstjänster respektive kontoinformationstjänster, bl.a. om krav på tillstånd eller registrering. Direktivet reglerar också ansvars- fördelningen mellan tredjepartsbetaltjänstleverantörer och de konto- förvaltande betaltjänstleverantörerna, som rätten till att få information från och åtkomst till kundens betalkonto, ansvar för obehöriga transaktioner och säkerhetsfrågor. Dessa särskilda regler för tredjepartsbetaltjänst- leverantörer behandlas i avsnitt 7. Reglerna är nya i förhållande till första betaltjänstdirektivet och har därför i huvudsak inga motsvarigheter i gällande svensk rätt.</P>
<P class="p571 ft40">Det bör poängteras att betalningsinitieringstjänster och kontoinforma- tionstjänster kan tillhandahållas även av en betaltjänstleverantör som också erbjuder andra betaltjänster, t.ex. en bank eller ett kreditmarknads- företag. Avsnitt 7 avser huvudsakligen aktörer som tillhandahåller endast betalningsinitierings- eller kontoinformationstjänster. Undantagsvis behand- las också frågor om aktörer som utöver dessa tjänster även tillhandahåller andra betaltjänster.</P>
<P class="p664 ft97"><SPAN class="ft35">7.2</SPAN><SPAN class="ft117">Leverantörer av betalningsinitieringstjänster</SPAN></P>
<P class="p665 ft110"><SPAN class="ft42">7.2.1</SPAN><SPAN class="ft125">Tillståndspliktig verksamhet</SPAN></P>
<P class="p666 ft59"><SPAN class="ft94">Regeringens förslag: </SPAN>Den som tillhandahåller betalningsinitierings- tjänster ska inte få undantas från tillståndsplikt.</P>
<P class="p56 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p54 ft6">det.</P>
<P class="p57 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet definieras betalningsinstitut som en juridisk person som har auktoriserats att tillhandahålla och genomföra betaltjänster inom unionen (artikel 4.4). Eftersom betalningsinitieringstjänster numera utgör betaltjänster enligt direktivet (punkt 7 i bilaga I) faller juridiska personer som enbart är leverantörer av betalningsinitieringstjänster inom kategorin betalnings- institut. Vidare följer av direktivet att ett företag som avser att tillhanda- hålla betaltjänster måste ha tillstånd som betalningsinstitut innan det påbörjar sin verksamhet (artikel 11). Tillstånd får endast beviljas en juridisk person som är etablerad i en medlemsstat. Undantag gäller för vissa verksamheter (artikel 11.1), men leverantörer av betalnings- initieringstjänster får aldrig undantas från tillståndskravet (artikel 32.1).</P>
<P class="p11 ft3">Enligt betaltjänstlagen krävs som huvudregel tillstånd av Finansinspek- tionen för att tillhandahålla betaltjänster <SPAN class="ft5">(</SPAN>2 kap. 1 §). När det gäller svenska leverantörer av betaltjänster får tillstånd ges endast ett svenskt aktiebolag eller en svensk ekonomisk förening. Endast vissa kategorier av juridiska personer kan alltså få tillstånd att driva verksamhet som betalningsinstitut.</P>
<P class="p667 ft3">145</P>
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<P class="p572 ft3">Prop. 2017/18:77 Av betaltjänstlagen följer dock att tillstånd inte behövs för bl.a. banker, kreditmarknadsföretag, institut för elektroniska pengar, myndigheter och motsvarande utländska företag eller organ, och inte heller för filialer till kreditinstitut från länder utanför EES (2 kap. 2 §).</P>
<P class="p486 ft5">I avsnitt 5.2 föreslås att definitionen av betaltjänster i betaltjänstlagen ska utvidgas till att omfatta betalningsinitieringstjänster (1 kap. 2 §). Enligt betaltjänstlagen är ett aktiebolag eller en ekonomisk förening som har fått tillstånd att tillhandahålla betaltjänster att anse som betalnings- institut (1 kap. 4 §). Utvidgningen av definitionen innebär att även juridiska personer som bara tillhandahåller betalningsinitieringstjänster blir betalningsinstitut.</P>
<P class="p668 ft5">Enligt betaltjänstlagen får en fysisk eller juridisk person ansöka hos Finansinspektionen om undantag från tillståndsplikt (2 kap. 3 §). Inspek- tionen ska besluta om ett sådant undantag om vissa förutsättningar är uppfyllda, bl.a. om genomsnittet av de totala betalningstransaktionerna under de senaste tolv månaderna inte överstiger ett belopp motsvarande tre miljoner euro per månad. Som framgår ovan tillåter emellertid direk- tivet inte att leverantörer av betalningsinitieringstjänster undantas från tillståndsplikt. För att genomföra reglerna i andra betaltjänstdirektivet om tillståndsplikt för leverantörer av betalningsinitieringstjänster bör det därför i betaltjänstlagen uttryckligen anges att den som tillhandahåller betalnings- initieringstjänster inte får undantas från tillståndsplikt.</P>
<P class="p669 ft133"><SPAN class="ft42">7.2.2</SPAN><SPAN class="ft139">Krav på ansvarsförsäkring, startkapital och kapitalbas</SPAN></P>
<P class="p563 ft70"><SPAN class="ft126">Regeringens förslag: </SPAN>Tillstånd att tillhandahålla betalningsinitierings- tjänster får ges bara om företaget har en ansvarsförsäkring som täcker det geografiska område inom vilket företaget driver sin verksamhet, eller annan jämförbar garanti som täcker den skadeståndsskyldighet som kan uppkomma till följd av verksamheten.</P>
<P class="p670 ft40">Ett betalningsinstitut som bara tillhandahåller betalningsinitierings- tjänster ska ha ett startkapital som motsvarar minst 50 000 euro och en kapitalbas som motsvarar minst startkapitalet.</P>
<P class="p575 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P>
<P class="p671 ft6">har inget att invända mot det. <SPAN class="ft4">Svenska Bankföreningen </SPAN>vill att det tydlig- görs hur den kontoförvaltande betaltjänstleverantören ska kunna få ta del av ansvarsförsäkringen.</P>
<P class="p486 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska medlemsstaterna kräva att företag som ansöker om auktorisation för att tillhandahålla betalningsinitieringstjänster, som ett villkor för auktori- sationen, innehar en ansvarsförsäkring för de territorier där de tillhanda- håller tjänster, eller annan jämförbar garanti mot skadeståndsansvar som ska säkerställa att de kan täcka sitt skadeståndsansvar enligt artik- larna 73, 89, 90 och 92 (artikel 5.2).</P>
<P class="p499 ft59">En motsvarande bestämmelse som den i direktivet bör införas i betal- tjänstlagen. Regeringen anser dock att det i lagen inte behöver anges</P>
<P class="p672 ft3">146</P>
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<P class="p557 ft3">särskilt enligt vilka bestämmelser som skadeståndsansvar kan komma att Prop. 2017/18:77 aktualiseras.</P>
<P class="p408 ft6"><SPAN class="ft4">Svenska Bankföreningen </SPAN>önskar ett förtydligande av hur den konto- förvaltande betaltjänstleverantören ska kunna ta del av ansvarsförsäk- ringen. Regeringen konstaterar att enligt förslaget får tillstånd att till- handahålla betalningsinitieringstjänster ges endast om leverantören har en ansvarsförsäkring. Att en sådan finns och att den är fullgod ska granskas av Finansinspektionen i samband med ansökan om tillstånd. Det finns inte anledning att i betaltjänstlagen reglera hur en sådan ansvarsförsäkring tas i anspråk.</P>
<P class="p580 ft5">Medlemsstaterna ska enligt andra betaltjänstdirektivet även kräva att ett betalningsinstitut som tillhandahåller betalningsinitieringstjänster vid tidpunkten för beslut om tillstånd har ett startkapital som motsvarar minst 50 000 euro (artikel 7 b) och betalningsinstitutets kapitalbas får aldrig underskrida detta belopp (artikel 8.1). I direktivet anges att betalnings- institut oberoende av kravet på startkapital alltid ska ha en kapitalbas beräknad i enlighet med någon av tre olika metoder som anges i direktivet (artikel 9.1). Betalningsinstitut som endast är leverantörer av betalningsinitieringstjänster är emellertid undantagna från detta krav (artikel 9.1). För dessa aktörer gäller alltså endast att kapitalbasen inte får understiga startkapitalet.</P>
<P class="p673 ft3">De nu aktuella reglerna i andra betaltjänstdirektivet (artiklarna 7 b och 8.1) bör genomföras i svensk rätt genom att motsvarande bestämmelser tas in i betaltjänstlagen.</P>
<P class="p674 ft112"><SPAN class="ft42">7.2.3</SPAN><SPAN class="ft111">Information som ska lämnas i samband med betalningstransaktioner när det inte finns ett ramavtal</SPAN></P>
<P class="p675 ft76"><SPAN class="ft135">Regeringens förslag: </SPAN>Innan en betalningsorder initieras ska en leve- rantör av betalningsinitieringstjänster informera betalaren om</P>
<P class="p517 ft6"><SPAN class="ft7">–</SPAN><SPAN class="ft51">leverantörens namn, adress och besöksadressen till huvudkontoret,</SPAN></P>
<P class="p676 ft6"><SPAN class="ft7">–</SPAN><SPAN class="ft33">besöksadressen till leverantörens ombud eller filial i den medlemsstat där betaltjänsten erbjuds, om tjänsterna tillhandahålls genom ombud eller filial,</SPAN></P>
<P class="p676 ft3"><SPAN class="ft7">–</SPAN><SPAN class="ft32">övriga kontaktuppgifter som är relevanta för kommunikation med leverantören av betalningsinitieringstjänster, och</SPAN></P>
<P class="p517 ft6"><SPAN class="ft7">–</SPAN><SPAN class="ft51">kontaktuppgifter till Finansinspektionen.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t83">
<TR>
<TD colspan=3 class="tr15 td246"><P class="p677 ft3">Informationen ska tillhandahållas på ett lättillgängligt sätt och vara</P></TD>
<TD class="tr15 td208"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td246"><P class="p677 ft5">tydlig och lätt att förstå. Den ska vara på svenska eller på något annat</P></TD>
<TD class="tr15 td208"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td246"><P class="p677 ft7">språk som parterna kommer överens om. Om ett avtal om en enstaka</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td246"><P class="p677 ft5">betalningsinitieringstjänst ingås på distans, ska informationsplikten</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td246"><P class="p3 ft3">uppfyllas omedelbart efter det att tjänsten har genomförts.</P></TD>
<TD class="tr15 td208"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td246"><P class="p677 ft7">Omedelbart efter det att en betalningsorder initierats ska en leverantör</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td246"><P class="p677 ft5">av betalningsinitieringstjänster till betalaren tillhandahålla en bekräf-</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td246"><P class="p677 ft7">telse på att betalningsordern initierats med betalarens kontoförvaltande</P></TD>
<TD class="tr15 td208"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td246"><P class="p677 ft6">betaltjänstleverantör, en uppgift som gör det möjligt att identifiera</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td246"><P class="p678 ft6">betalningstransaktionen, den information som har överförts till-</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td122"><P class="p3 ft6">sammans</P></TD>
<TD class="tr16 td180"><P class="p3 ft6">med</P></TD>
<TD class="tr16 td296"><P class="p677 ft5">betalningstransaktionen, betalningstransaktionens</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr24 td122"><P class="p3 ft3">belopp och</P></TD>
<TD class="tr24 td180"><P class="p70 ft3">det</P></TD>
<TD class="tr24 td296"><P class="p678 ft3">avgiftsbelopp som ska betalas till leverantören av</P></TD>
<TD class="tr24 td208"><P class="p17 ft3">147</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_148">
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<DIV class="dclr"></DIV>
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">148</P>
</DIV>
<DIV id="id_2">
<P class="p679 ft6">betalningsinitieringstjänster för transaktionen. Leverantören ska även ge betalaren detaljerad information om avgiftsbeloppet när de olika avgifterna lätt kan särskiljas och redovisas separat. Betaltjänst- leverantören ska inte vara skyldig att lämna eller göra sådan informa- tion tillgänglig, om den redan ges eller kommer att ges till betal- tjänstanvändaren på grundval av ett ramavtal mellan användaren och en annan betaltjänstleverantör.</P>
<P class="p680 ft5">Leverantören av betalningsinitieringstjänsten ska omedelbart efter det att en betalningsorder initierats också tillhandahålla betalnings- mottagaren en uppgift som gör det möjligt för betalningsmottagaren att identifiera betalaren och betalningstransaktionen, och den infor- mation som överförts tillsammans med betalningstransaktionen.</P>
<P class="p681 ft40">När en betalningsorder initieras via en leverantör av betalnings- initieringstjänster ska referensen för betalningstransaktionen göras tillgänglig även för betalarens kontoförvaltande betaltjänstleverantör.</P>
<P class="p627 ft40">I betaltjänstlagen förtydligas att det är betalarens kontoförvaltande betaltjänstleverantör som ska tillhandahålla betalaren den information som ska lämnas efter det att en betalningsorder har tagits emot.</P>
<P class="p682 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P>
<P class="p683 ft40">har inget att invända mot det. <SPAN class="ft39">Trustly Group AB </SPAN>anser att det bör framgå att leverantören av betalningsinitieringstjänsten kan uppfylla kraven även genom att tillgängliggöra informationen eftersom en leverantör av en sådan tjänst inte alltid har kontaktuppgifter till kunden.</P>
<P class="p335 ft42">Skälen för regeringens förslag</P>
<P class="p684 ft4">Information som ska lämnas av leverantören av betalningsinitieringstjänster</P>
<P class="p314 ft6">Andra betaltjänstdirektivet, liksom första betaltjänstdirektivet, innehåller regler om vilken information som ska lämnas till betaltjänstanvändaren eller hållas tillgänglig av betaltjänstleverantören i samband med enstaka betalningstransaktioner som inte omfattas av ett ramavtal (artikel 45). Informationen ska vara lätt att förstå och utryckas klart och lättbegripligt (artikel 44).</P>
<P class="p530 ft64">I andra betaltjänstdirektivet har dock lagts till ytterligare informations- krav som ställs särskilt på leverantörer av betalningsinitieringstjänster. En leverantör av dessa tjänster ska, enligt direktivet, före initieringen till betalaren lämna eller göra tillgänglig tydlig och utförlig information om 1) namnet på leverantören, den geografiska adressen till dess huvud- kontor och, i tillämpliga fall, den geografiska adressen till dess ombud eller filial, etablerade i den medlemsstat där betaltjänsten erbjuds, samt alla andra kontaktuppgifter, inbegripet <NOBR>e-postadress,</NOBR> som är relevanta för kommunikation med leverantören av betalningsinitieringstjänsten och 2) den behöriga myndighetens kontaktuppgifter (artikel 45.2). Vidare ska en leverantör av sådana tjänster till betalaren, och i tillämpliga fall även till betalningsmottagaren, omedelbart efter initieringen lämna eller tillgänglig- göra 1) en bekräftelse på att betalningsordern initierats med betalarens kontoförvaltande betaltjänstleverantör, 2) en referens som gör det möjligt för betalaren och betalningsmottagaren att identifiera betalningstransak-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_149">
<DIV>
<DIV id="id_1">
<P class="p53 ft70">tionen och, i förekommande fall, för betalningsmottagaren att identifiera betalaren samt all information som överförts tillsammans med betal- ningstransaktionen, 3) uppgift om betalningstransaktionens belopp, samt 4) i tillämpliga fall alla avgiftsbelopp som ska betalas till leverantören av betalningsinitieringstjänster för transaktionen och i tillämpliga fall en specificering av beloppen för sådana avgifter (artikel 46).</P>
<P class="p632 ft40">När en betalningsorder initieras via en leverantör av betalningsinitie- ringstjänster ska denne göra referensen för betalningstransaktionen till- gänglig för betalarens kontoförvaltande betaltjänstleverantör (artikel 47).</P>
<P class="p145 ft5">De nu aktuella reglerna i andra betaltjänstdirektivet bör genomföras i svensk rätt i motsvarande bestämmelser i betaltjänstlagen.</P>
<P class="p604 ft6">I direktivet anges att den uppräknade informationen ska lämnas även till betalningsmottagaren ”i tillämpliga fall”. Detta torde innebära att det är en referens och övrig information som överförts tillsammans med betalningstransaktionen (punkten 2 ovan) som ska tillhandahållas mottagaren.</P>
<P class="p145 ft5">Enligt andra betaltjänstdirektivet ska vidare den angivna informationen lämnas ”omedelbart” efter initieringen till betalaren och i tillämpliga fall till betalningsmottagaren. När det gäller andra betaltjänstleverantörers informationsskyldighet anges i första betaltjänstdirektivet också att information ska lämnas ”omedelbart” (artiklarna 38 och 39). Vid genom- förandet av dessa regler valde regeringen emellertid att i motsvarande bestämmelser i betaltjänstlagen ange att informationen ska lämnas ”så snart som möjligt” (se 4 kap. 7 och 8 §§). Skälet till detta var att det i vissa situationer kan vara ogörligt att lämna eller tillgängliggöra informa- tionen direkt (prop. 2009/10:220 s. 178).</P>
<P class="p632 ft64">Det kan konstateras att betalningsinitieringstjänster används främst i fråga om betalningstransaktioner som sker via internet. Vidare är en förutsättning för att en betaltjänstanvändare ska ha rätt att använda sig av en sådan tjänst att dennes betalkonto är tillgängligt online. När en betalningsorder initieras via en leverantör av betalningsinitieringstjänster tar således leverantören emot ordern på elektronisk väg. Enligt reger- ingens bedömning bör det därför vara möjligt för leverantören att lämna eller tillgängliggöra information till betalaren och betalningsmottagaren omgående eller någon minut efter att initieringen gjorts, t.ex. genom ett <NOBR>e-postmeddelande,</NOBR> för att på så sätt uppfylla direktivets krav på omedel- bar informationsgivning. Även den referens eller uppgift som leveran- tören av betalningsinitieringstjänster ska göra tillgänglig för den konto- förvaltande betaltjänstleverantören bör göras tillgänglig omedelbart efter initieringen av betalningsordern.</P>
<P class="p685 ft70">Med hänsyn till det som anförs ovan bör det i betaltjänstlagen anges att en leverantör av en betalningsinitieringstjänst ska tillhandahålla informa- tionen omedelbart, i enlighet med det som anges i direktivet. När det gäller den information som ska tillhandahållas betalaren omedelbart efter att en betalningsorder initierats, bör leverantören inte vara skyldig att tillhandahålla sådan om den redan ges eller kommer att ges till betal- tjänstanvändaren på grundval av ett ramavtal mellan användaren och en annan betaltjänstleverantör (jfr 4 kap. 9 § betaltjänstlagen).</P>
<P class="p686 ft40"><SPAN class="ft39">Trustly Group AB </SPAN>anser att bestämmelserna i lagen bör utformas så att det framgår att leverantören av betalningsinitieringstjänsten uppfyller informationskravet genom att tillgängliggöra informationen. Regeringen</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">149</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_150">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">150</P>
</DIV>
<DIV id="id_2">
<P class="p460 ft3">är av uppfattningen att termen tillhandahålla, som är den som anges i lag- texten, även innefattar att hålla information tillgänglig på en plats som betalaren har tillgång till.</P>
<P class="p687 ft4">Information som ska lämnas av betalarens kontoförvaltande betaltjänstleverantör</P>
<P class="p688 ft5">Omedelbart efter det att betalningsordern tagits emot ska, enligt andra betaltjänstdirektivet (artikel 48), betalarens kontoförvaltande betaltjänst- leverantör med avseende på sina egna tjänster lämna eller göra tillgäng- ligt för betalaren 1) en referens som gör det möjligt för betalaren att identifiera betalningstransaktionen samt, i förekommande fall, infor- mation som avser betalningsmottagaren, 2) information om betalnings-</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr22 td87"><P class="p3 ft3">transaktionens</P></TD>
<TD class="tr22 td56"><P class="p17 ft3">belopp i den valuta som används i betalningsordern,</P></TD>
</TR>
<TR>
<TD class="tr21 td87"><P class="p3 ft23">3) information</P></TD>
<TD class="tr21 td56"><P class="p17 ft23">om betalningstransaktionens eventuella avgifter som</P></TD>
</TR>
</TABLE>
<P class="p314 ft70">betalaren ska betala och, i tillämpliga fall, en specificering av beloppen för sådana avgifter, 4) i tillämpliga fall information om den växelkurs som betalarens betaltjänstleverantör använde vid betalningstransaktionen samt</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr28 td152"><P class="p3 ft7">betalningstransaktionens</P></TD>
<TD class="tr28 td14"><P class="p3 ft3">belopp</P></TD>
<TD class="tr28 td23"><P class="p172 ft5">efter</P></TD>
<TD class="tr28 td178"><P class="p17 ft3">denna valutakonvertering, och</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td93"><P class="p3 ft3">5) information om den dag då betalningsordern togs emot.</P></TD>
</TR>
<TR>
<TD class="tr21 td152"><P class="p31 ft23">En motsvarande regel</P></TD>
<TD class="tr21 td14"><P class="p146 ft23">finns i</P></TD>
<TD class="tr21 td23"><P class="p170 ft24">första</P></TD>
<TD class="tr21 td178"><P class="p17 ft24">betaltjänstdirektivet (artikel 38).</P></TD>
</TR>
</TABLE>
<P class="p314 ft5">I andra betaltjänstdirektivet anges emellertid att det är ”betalarens konto- förvaltande betaltjänstleverantör” i stället för ”betalarens betaltjänst- leverantör” som ska tillhandahålla den aktuella informationen.</P>
<P class="p689 ft40">I betaltjänstlagen anges att betalarens betaltjänstleverantör ska till- handahålla informationen i fråga (4 kap. 7 §). För att genomföra andra betaltjänstdirektivet bör det i lagen förtydligas att det är betalarens konto- förvaltande betaltjänstleverantör som ska tillhandahålla informationen.</P>
<P class="p317 ft4">Hur informationen ska lämnas</P>
<P class="p528 ft64">I andra betaltjänstdirektivet finns inte några regler om hur den infor- mation som leverantören av betalningsinitieringstjänsten ska tillhanda- hålla betalaren ska lämnas. I skälen till direktivet anges dock i fråga om information vid enstaka betalningstransaktioner att endast den viktigaste informationen ges på betaltjänstleverantörens eget initiativ vid sådana transaktioner samt att det inte bör vara nödvändigt att lämna information i varje enskilt fall på papper eller något annat varaktigt medium, utan att betaltjänstleverantören bör kunna lämna muntlig information vid betjän- ingen eller göra informationen åtkomlig på annat sätt, t.ex. genom att anslå villkoren i lokalerna (skäl 58). Det anges vidare att det bör lämnas information om var övriga upplysningar finns att tillgå, t.ex. på en webb- plats, men det poängteras att den viktigaste informationen bör lämnas på papper eller något annat varaktigt medium om konsumenten begär det.</P>
<P class="p690 ft64">I betaltjänstlagen anges att den förhandsinformation som lämnas av betaltjänstleverantören vid enstaka betalningstransaktioner ska tillhanda- hållas på ett lättillgängligt sätt och vara tydlig och lätt att förstå samt att informationen ska vara på svenska eller på något annat språk som parterna kommer överens om (4 kap. 5 § första stycket). Vidare anges att informa- tionen på begäran av betaltjänstanvändaren ska tillhandahållas på papper eller något annat varaktigt medium (4 kap. 5 § andra stycket). Om ett avtal om en enstaka betalningstransaktion ingås på distans och detta</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_151">
<DIV id="dimg1">
<INGENBILD zsrc="H50377151x1.jpg/" id="img1">
</DIV>
<P class="p490 ft3">medför att betaltjänstleverantören inte kan uppfylla kraven ska den Prop. 2017/18:77 uppfylla kraven omedelbart efter det att betaltjänsten har genomförts</P>
<P class="p54 ft3">(4 kap. 6 §).</P>
<P class="p57 ft5">Med utgångspunkt i det som anges i skälen till direktivet framstår det som mest ändamålsenligt att samma formkrav gäller vid information i samband med att en betalningsorder initieras via en leverantör av betalningsinitieringstjänster som vid förhandsinformation. De formkrav som anges i betaltjänstlagen bör därför gälla även för leverantörer av betalningsinitieringstjänster i fråga om den information som ska lämnas eller hållas tillgänglig i samband med användning av dessa tjänster. Om ett avtal om en enstaka betalningsinitieringstjänst ingås på distans bör även den informationsplikten uppfyllas omedelbart efter det att tjänsten har genomförts på det sätt som föreskrivs i betaltjänstlagen.</P>
<P class="p691 ft110"><SPAN class="ft42">7.2.4</SPAN><SPAN class="ft125">Informationsskyldighet vid ramavtal</SPAN></P>
<P class="p692 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Utöver den information som varje betaltjänst- leverantör ska lämna innan ett ramavtal ingås med en betaltjänst- användare, ska en leverantör av betalningsinitieringstjänster lämna information till betaltjänstanvändaren om hur ett godkännande att initiera en betalningsorder eller genomföra en betalningstransaktion ges och hur det kan återkallas, och om leverantörens ansvar för initiering eller genomförande av transaktioner.</P>
<P class="p546 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P>
<P class="p521 ft6">har inget att invända mot det. <SPAN class="ft4">Svenska Bankföreningen </SPAN>önskar att det förtydligas att omfattningen av den information som ska ges till betal- tjänstanvändaren är beroende av vilken typ av betaltjänstleverantör det rör sig om i det aktuella fallet.</P>
<P class="p12 ft80">Skälen för regeringens förslag: <SPAN class="ft6">I andra betaltjänstdirektivet finns regler om vilken information som en betaltjänstleverantör ska lämna till betaltjänstanvändaren innan ett ramavtal träffas mellan parterna (artikel 52). Eftersom leverantörer av betalningsinitieringstjänster är betaltjänstleverantörer omfattas dessa av informationskraven. Informa- tionskraven, som är relativt omfattande och detaljerade, avser informa- tion och villkor som betaltjänstleverantören ska lämna till betaltjänst- användaren.</SPAN></P>
<P class="p467 ft64">Regleringen i andra betaltjänstdirektivet har fått en delvis ändrad lydelse jämfört med den i första betaltjänstdirektivet (artikel 42 i det sistnämnda direktivet) i och med att det har tillkommit regler som rör just betalningsinitieringstjänster. En sådan betaltjänstleverantör ska enligt andra betaltjänstdirektivet specificera den information eller unika identi- fikationskod som betaltjänstanvändaren måste ange för att en betal- ningsorder ska initieras eller genomföras korrekt (artikel 52.2 b) samt lämna information om den form och det förfarande som används för att god- känna initiering av en betalningsorder eller genomföra en betalnings- transaktion och att återkalla detta godkännande (artikel 52.2 c). En leverantör av en betalningsinitieringstjänst ska även informera om sitt</P>
<P class="p693 ft3">151</P>
</DIV>
<DIV id="page_152">
<DIV id="dimg1">
<INGENBILD zsrc="H50377152x1.jpg/" id="img1">
</DIV>
<TABLE cellpadding=0 cellspacing=0 class="t85">
<TR>
<TD class="tr22 td28"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td266"><P class="p3 ft3">ansvar för initiering och</P></TD>
<TD class="tr22 td43"><P class="p90 ft7">godkännande</P></TD>
<TD class="tr22 td276"><P class="p17 ft3">av betalningstransaktioner</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td266"><P class="p3 ft3">(artikel 52.5 f).</P></TD>
<TD class="tr15 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td276"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">I betaltjänstlagen anges de informationskrav som ställs upp i första</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td266"><P class="p3 ft5">betaltjänstdirektivet (4 kap.</P></TD>
<TD class="tr16 td43"><P class="p3 ft6">10 §). För att</P></TD>
<TD class="tr16 td276"><P class="p17 ft6">genomföra reglerna i andra</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p3 ft3">betaltjänstdirektivet när det gäller informationskrav för leverantörer av</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p3 ft6">betalningsinitieringstjänster bör informationskraven i betaltjänstlagen</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p3 ft6">anpassas till de nya reglerna avseende betalningsinitieringstjänster.</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3"><SPAN class="ft4">Svenska Bankföreningen </SPAN>vill att det tydliggörs att omfattningen av den</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p3 ft7">information som ska ges till betaltjänstanvändaren är beroende av vilken</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p3 ft5">typ av betaltjänstleverantör det rör sig om. Enligt regeringens uppfattning</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p3 ft3">bör det inte råda oklarhet om vilken information som en betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p3 ft5">leverantör ska lämna eftersom viss information är aktuell endast när det</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p3 ft7">gäller betalningsinitieringstjänster medan annan information ska lämnas</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p3 ft5">av alla betaltjänstleverantörer. Det saknas därför skäl att ytterligare för-</P></TD>
</TR>
<TR>
<TD class="tr20 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td266"><P class="p3 ft3">tydliga detta.</P></TD>
<TD class="tr20 td43"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td276"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p694 ft110">7.2.5 Godkännande av betalningstransaktion</P>
<P class="p542 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Betalaren ska lämna sitt samtycke till att en betalningstransaktion genomförs direkt till sin kontoförvaltande betaltjänstleverantör, via betalningsmottagaren eller via en leverantör av betalningsinitieringstjänster. Samtycket ska lämnas uttryckligen.</P>
<P class="p543 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att det i utredningens förslag inte anges att samtycket ska vara uttryckligt.</P>
<P class="p482 ft6"><SPAN class="ft80">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft4">Konsumentverket </SPAN>anser att det, för att stärka konsumentskyddet, behövs en uttrycklig bestämmelse om att en återkallelse av ett godkännande att genomföra en serie betalningstransak- tioner får till följd att varje betalningstransaktion därefter ska anses vara icke auktoriserad.</P>
<P class="p486 ft80">Skälen för regeringens förslag: <SPAN class="ft6">I andra betaltjänstdirektivet anges att medlemsstaterna ska sörja för att en betalningstransaktion ska betraktas som auktoriserad endast om betalaren har godkänt dess genomförande (artikel 64.1). En motsvarande regel finns i första betaltjänstdirektivet (artikel 54.1) och den har i svensk rätt genomförts i en bestämmelse i betaltjänstlagen (5 kap. 3 §).</SPAN></P>
<P class="p668 ft5">I andra betaltjänstdirektivet har det tillkommit en regel om att ett sådant godkännande av genomförandet av en betalningstransaktion också kan ges via betalningsmottagaren eller leverantören av betalningsini- tieringstjänster (artikel 64.2 andra meningen). För att genomföra denna nya regel bör det anges i betaltjänstlagen att en betalare kan lämna sitt samtycke till att en betalningstransaktion genomförs direkt till sin konto- förvaltande betaltjänstleverantör, via betalningsmottagaren eller via en leverantör av betalningsinitieringstjänster.</P>
<P class="p695 ft40">Vidare föreskrivs i andra betaltjänstdirektivet att ett godkännande att genomföra en serie betalningstransaktioner även får återkallas, med följden att varje efterföljande betalningstransaktion ska anses som icke-</P>
<P class="p489 ft141">auktoriserad (artikel 64.3 andra meningen). Detsamma anges i första</P>
<P class="p15 ft3">152</P>
</DIV>
<DIV id="page_153">
<P class="p476 ft3">betaltjänstdirektivet (artikel 54.3). <SPAN class="ft4">Konsumentverket </SPAN>önskar att en mot- Prop. 2017/18:77 svarande uttrycklig bestämmelse införs i betaltjänstlagen. När första betaltjänstdirektivet genomfördes i svensk rätt fann regeringen att det</P>
<P class="p656 ft6">inte behövdes någon sådan uttrycklig bestämmelse (prop. 2009/10:220 s. 457). Regeringen finner inte skäl att göra någon annan bedömning när det gäller andra betaltjänstdirektivet.</P>
<P class="p696 ft40"><SPAN class="ft39">Lagrådet </SPAN>föreslår att det, i linje med vad som gäller i fråga om liknande krav på samtycke, bör framgå av bestämmelsen att betalaren ska ha lämnat ett uttryckligt samtycke. Regeringen gör bedömningen att denna typ av samtycke aldrig kan lämnas genom betalarens passivitet, varför bestämmelsen bör utformas i enlighet med Lagrådets förslag.</P>
<TABLE cellpadding=0 cellspacing=0 class="t86">
<TR>
<TD class="tr51 td153"><P class="p169 ft42">7.2.6</P></TD>
<TD colspan=2 class="tr51 td297"><P class="p3 ft110">Rätt att använda sig av</P></TD>
<TD class="tr51 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td297"><P class="p3 ft110">betalningsinitieringstjänster</P></TD>
<TD class="tr22 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr14 td93"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td119"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td78"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td302"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Betaltjänstanvändaren ska i förhållande till den</P></TD>
<TD class="tr20 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft3">kontoförvaltande betaltjänstleverantören ha rätt att använda sig av</P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">betalningsinitieringstjänster om det berörda betalkontot är tillgängligt</P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">online. Denna rätt ska gälla oberoende av om det finns ett avtal om</P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft3">detta mellan leverantören av betalningsinitieringstjänster och den</P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft3">kontoförvaltande betaltjänstleverantören.</P></TD>
<TD class="tr28 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr46 td286"><P class="p3 ft8"> </P></TD>
<TD class="tr47 td119"><P class="p3 ft130"> </P></TD>
<TD class="tr47 td78"><P class="p3 ft130"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr22 td298"><P class="p90 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
<TD class="tr22 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p90 ft6"><SPAN class="ft80">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td153"><P class="p3 ft3">det.</P></TD>
<TD class="tr15 td283"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p90 ft6"><SPAN class="ft80">Skälen för regeringens förslag: </SPAN>Enligt nya regler i andra betaltjänst-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">direktivet ska medlemsstaterna se till att betalaren har rätt att utnyttja en</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p3 ft3">leverantör av betalningsinitieringstjänster för sådana tjänster, men att</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">denna rätt inte ska gälla när betalkontot inte är tillgängligt online</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">(artikel 66.1). Tillhandahållandet av betalningsinitieringstjänster får inte</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p3 ft3">vara avhängigt av förekomsten av ett avtalsförhållande mellan leveran-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">törer av betalningsinitieringstjänster och kontoförvaltande betaltjänst-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">leverantörer i detta syfte (artikel 66.5). I skälen till direktivet betonas att</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p3 ft3">det är nödvändigt att fastställa en tydlig rättslig ram med villkor för när</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">leverantörer av betalningsinitieringstjänster ska kunna leverera sina</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">tjänster med kontoinnehavarens medgivande utan att den kontoförval-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p3 ft3">tande betaltjänstleverantören kräver att de ska använda en särskild affärs-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">modell för denna typ av tjänster (skäl 93). Vidare anges att oberoende av</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">vilken affärsmodell som används av leverantörerna av betalningsinitie-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p3 ft3">ringstjänster bör de kontoförvaltande betaltjänstleverantörerna möjliggöra</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">för leverantörer av betalningsinitieringstjänster att förlita sig på de</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">autentiseringsförfaranden som de kontoförvaltande betaltjänstleverantör-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p3 ft3">erna tillhandahåller för att initiera en specifik betalning för betalarens</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">räkning (skäl 30).</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p90 ft6">Reglerna i direktivet bör genomföras i svensk rätt genom att mot-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p3 ft3">svarande bestämmelser tas in i betaltjänstlagen. Rätten att använda sig av</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">dessa tjänster bör i enlighet med direktivet vara villkorad av att betalkontot</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">är tillgängligt online, dvs. det betalkonto som betalaren avser att använda</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p3 ft3">sig av i samband med tjänsten ska stå i kontakt med ett datasystem (se</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr20 td298"><P class="p3 ft3">närmare om termen online i avsnitt 5.2). I betaltjänstlagen bör det således</P></TD>
<TD rowspan=2 class="tr50 td78"><P class="p17 ft3">153</P></TD>
</TR>
<TR>
<TD class="tr40 td153"><P class="p3 ft17"> </P></TD>
<TD class="tr40 td283"><P class="p3 ft17"> </P></TD>
<TD class="tr40 td119"><P class="p3 ft17"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_154">
<DIV id="dimg1">
<INGENBILD zsrc="H50377154x1.jpg/" id="img1">
</DIV>
<P class="p498 ft5">Prop. 2017/18:77 anges att en betalare har rätt att använda sig av betalningsinitieringstjänster endast om det betalkonto som betalaren avser att använda sig av är tillgängligt online. Det bör också klart framgå att rätten att använda sig av dessa tjänster inte ska förutsätta att det finns ett avtalsförhållande mellan den kontoförvaltande betaltjänstleverantören och leverantören av betalningsinitieringstjänster. En kontoförvaltande betaltjänstleverantör, t.ex. en bank, ska således inte ha rätt att kräva att det ska finnas ett avtal mellan banken och leverantören av betalningsinitieringstjänster för att betalaren ska kunna använda sig av dessa tjänster. Detta hindrar givetvis inte att en kontoförvaltande betaltjänstleverantör och en leverantör av betalningsinitieringstjänster ingår ett avtal i syfte att reglera t.ex. ansvars- frågor som kan uppstå i samband med att en leverantör av betalnings- initieringstjänster medverkar vid en betalningstransaktion.</P>
<P class="p697 ft138"><SPAN class="ft42">7.2.7</SPAN><SPAN class="ft137">Skyldigheter för leverantören av betalningsinitieringstjänster</SPAN></P>
<P class="p698 ft3"><SPAN class="ft42">Regeringens förslag </SPAN>Vid tillhandahållandet av betalningsinitierings- tjänster får leverantören inte</P>
<P class="p699 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">vid någon tidpunkt inneha betalarens medel,</SPAN></P>
<P class="p564 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">lagra känsliga betalningsuppgifter som tillhör betaltjänstanvän- daren,</SPAN></P>
<P class="p564 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">begära andra uppgifter av betaltjänstanvändaren än sådana som krävs för att tillhandahålla betalningsinitieringstjänster,</SPAN></P>
<P class="p564 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">använda, ha tillgång till eller lagra uppgifter för andra ändamål än för att tillhandahålla den betalningsinitieringstjänst som uttryckligen begärs av betalaren, eller</SPAN></P>
<P class="p564 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">ändra beloppet, uppgift om betalaren eller något annat inslag i transaktionen.</SPAN></P>
<P class="p699 ft6">Leverantören av en betalningsinitieringstjänst ska säkerställa</P>
<P class="p564 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">att betaltjänstanvändarens personliga behörighetsfunktioner inte är tillgängliga för andra än leverantören samt användaren och utgivaren av behörighetsfunktionerna, och att dessa uppgifter överförs genom leverantören på ett säkert och effektivt sätt, och</SPAN></P>
<P class="p564 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">att eventuell övrig information om betaltjänstanvändaren som leverantören har fått vid tillhandahållandet av tjänsten lämnas endast till betalningsmottagaren och med betaltjänstanvändarens uttryckliga godkännande.</SPAN></P>
<P class="p700 ft3">Leverantören av en betalningsinitieringstjänst ska identifiera sig gentemot betaltjänstanvändarens kontoförvaltande betaltjänstleveran- tör varje gång en betalning initieras.</P>
<P class="p550 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft3">det.</P>
<P class="p486 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet anges vissa skyldigheter för leverantörer av betalningsinitieringstjänster när det gäller tillhandahållandet av betalningsinitieringstjänster (artikel 66.3).</P>
<P class="p505 ft3">Dessa leverantörer:</P>
<P class="p701 ft3">154</P>
</DIV>
<DIV id="page_155">
<DIV>
<DIV id="id_1">
<P class="p702 ft3"><SPAN class="ft7">a)</SPAN><SPAN class="ft119">får inte vid någon tidpunkt inneha betalarens medel i samband med tillhandahållandet av betalningsinitieringstjänsten,</SPAN></P>
<P class="p703 ft70"><SPAN class="ft3">b)</SPAN><SPAN class="ft142">ska se till att betaltjänstanvändarens personliga behörighetsfunktioner inte är tillgängliga för andra parter, med undantag för användaren och utgivaren av de personliga behörighetsfunktionerna, och att de över- förs via säkra och effektiva kanaler,</SPAN></P>
<P class="p703 ft5"><SPAN class="ft5">c)</SPAN><SPAN class="ft122">ska se till att eventuell övrig information om betaltjänstanvändaren som erhållits vid tillhandahållande av betalningsinitieringstjänster endast lämnas till betalningsmottagaren och endast med betaltjänst- användarens uttryckliga godkännande,</SPAN></P>
<P class="p703 ft5"><SPAN class="ft3">d)</SPAN><SPAN class="ft143">ska varje gång en betalning initieras identifiera sig mot kontoinne- havarens kontoförvaltande betaltjänstleverantör och kommunicera</SPAN></P>
<P class="p704 ft6">med denne, betalaren och betalningsmottagaren på ett säkert sätt (i enlighet med tekniska standarder som antas av kommissionen med stöd av artikel 98.1 d och 98.4),</P>
<P class="p702 ft3"><SPAN class="ft7">e)</SPAN><SPAN class="ft119">får inte lagra känsliga betalningsuppgifter som tillhör betaltjänst- användaren,</SPAN></P>
<P class="p703 ft5"><SPAN class="ft3">f)</SPAN><SPAN class="ft144">får inte av betaltjänstanvändaren begära andra uppgifter än sådana som krävs för att tillhandahålla betalningsinitieringstjänster,</SPAN></P>
<P class="p702 ft3"><SPAN class="ft3">g)</SPAN><SPAN class="ft145">får inte använda, ha tillgång till eller lagra uppgifter för andra ändamål än för att tillhandahålla den betalningsinitieringstjänst som uttryckligen begärs av betalaren och får inte ändra beloppet, betalaren eller något annat inslag i transaktionen.</SPAN></P>
<P class="p535 ft5">En leverantör av betalningsinitieringstjänster får alltså inte inneha betalarens medel. Detta gäller i samband med tillhandahållandet av betal- ningsinitieringstjänster. Det kan förekomma att en leverantör av betal- ningsinitieringstjänster även har tillstånd att tillhandahålla andra betal- tjänster (eller i fråga om t.ex. en bank, rätt att tillhandahålla betaltjänster utan tillstånd) för vilken det kan vara nödvändigt att inneha betalarens medel. En leverantör av betalningsinitieringstjänster kan t.ex. komma att initiera en betalning till ett betalkonto som leverantören förvaltar i egenskap av kontoförvaltande betaltjänstleverantör.</P>
<P class="p631 ft5">I de nu aktuella reglerna förekommer vidare uttrycken ”personliga behörighetsfunktioner” och ”känsliga betalningsuppgifter”. Definitioner av dessa uttryck behandlas närmare i avsnitten 5.3.5 och 5.3.6. I detta sammanhang kan påpekas att kontohavarens namn och kontonummer inte utgör känsliga betalningsuppgifter när det gäller verksamhet som drivs av leverantörer av betalningsinitieringstjänster.</P>
<P class="p208 ft5">Det kan också noteras att regleringen hindrar leverantören av betal- ningsinitieringstjänster att utan betaltjänstanvändarens uttryckliga god- kännande förse betalningsmottagaren eller annan part med sådan information som leverantören kan komma över vid tillgång till betal- tjänstanvändarens betalkonto, som t.ex. uppgifter om sparande, krediter och kontots historik samt att efterfråga och lagra uppgifter i syfte att t.ex. göra kreditprövningar för annan parts räkning.</P>
<P class="p686 ft64">Som framgår i avsnitt 7.2.8 har den kontoförvaltande betaltjänst- leverantören en skyldighet att kommunicera säkert med leverantören av betalningsinitieringstjänster (artikel 66.4 a). I den regel som nu är aktuell åläggs leverantören av betalningsinitieringstjänster att kommunicera säkert med dels den kontoförvaltande betaltjänstleverantören, dels</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">155</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_156">
<TABLE cellpadding=0 cellspacing=0 class="t85">
<TR>
<TD class="tr22 td28"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p3 ft5">betalaren och betalningsmottagaren. Vad detta innebär preciseras i tek-</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">niska standarder som antagits av kommissionen (se artikel 98.1 d och</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">98.4 samt Commission delegated regulation [EU] supplementing</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">Directive 2015/2366 of the European Parliament and of the Council with</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">regard to regulatory technical standards for strong customer authenti-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">cation and common and secure open standards of communication).</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">I avsnitt 5.3.16 föreslås att det i betaltjänstlagen ska införas en definition</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">av säker kommunikation i vilken det anges att säker kommunikation är</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">kommunikation enligt de tekniska standarderna. Som behandlas i avsnitt</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">15 ska kraven enligt de tekniska standarderna börja tillämpas 18 månader</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">efter det att de trätt i kraft.</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft6">De aktuella reglerna i andra betaltjänstdirektivet som reglerar de</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">skyldigheter som ankommer på leverantörer av betalningsinitierings-</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">tjänster bör genomföras i svensk rätt genom att motsvarande bestämmelser</P></TD>
</TR>
<TR>
<TD class="tr20 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft3">tas in i betaltjänstlagen.</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t87">
<TR>
<TD class="tr51 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr51 td153"><P class="p169 ft42">7.2.8</P></TD>
<TD class="tr51 td283"><P class="p3 ft110">Den kontoförvaltande betaltjänstleverantörens</P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p3 ft110">skyldigheter</P></TD>
</TR>
<TR>
<TD class="tr42 td134"><P class="p3 ft114"> </P></TD>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td289"><P class="p41 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>När den kontoförvaltande betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">leverantören har tagit emot en betalningsorder från leverantören av</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">betalningsinitieringstjänster och betalaren uttryckligen godkänt betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">ningstransaktionen, ska den kontoförvaltande betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">ge leverantören av betalningsinitieringstjänster all tillgänglig informa-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">tion om initieringen och genomförandet av betalningstransaktionen.</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft7">Informationen ska lämnas omedelbart efter det att betalningsordern har</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">tagits emot från leverantören av betalningsinitieringstjänsten.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p297 ft6">Den kontoförvaltande betaltjänstleverantören ska behandla en</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">betalningsorder som tas emot från en leverantör av betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft7">initieringstjänster på samma sätt som en betalningsorder som tas emot</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">direkt från betalaren när det gäller val av tidpunkt, prioritering och</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">avgifter, om det inte finns objektiva skäl för en annan behandling.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p297 ft6">Den kontoförvaltande betaltjänstleverantören ska tillämpa säker</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">kommunikation när den kommunicerar med leverantören av</P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td289"><P class="p41 ft3">betalningsinitieringstjänster.</P></TD>
</TR>
<TR>
<TD class="tr47 td288"><P class="p3 ft130"> </P></TD>
<TD colspan=2 class="tr46 td295"><P class="p3 ft8"> </P></TD>
</TR>
<TR>
<TD class="tr1 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr1 td93"><P class="p90 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p297 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td283"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p297 ft42">Skälen för regeringens förslag: <SPAN class="ft3">När en betalare godkänner en</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">betalning ska den kontoförvaltande betaltjänstleverantören, enligt andra</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">betaltjänstdirektivet, vidta vissa i direktivet angivna åtgärder för att</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">säkerställa betalarens rätt att använda sig av betalningsinitieringstjänster</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">(artikel 66.2 och 66.4).</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p297 ft6">Den kontoförvaltande betaltjänstleverantören är enligt dessa regler</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">skyldig att omedelbart efter mottagande av betalningsordern från en</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">leverantör av betalningsinitieringstjänster tillhandahålla eller göra till-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">gänglig för denne all information om initieringen och genomförandet av</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">betalningstransaktionen som är tillgänglig för den kontoförvaltande</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr19 td134"><P class="p512 ft7">156</P></TD>
<TD colspan=2 class="tr28 td93"><P class="p3 ft7">betaltjänstleverantören (artikel 66.4 b). Sådan information kan utgöras av</P></TD>
</TR>
<TR>
<TD class="tr14 td153"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td283"><P class="p3 ft18"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_157">
<DIV id="dimg1">
<INGENBILD zsrc="H50377157x1.jpg/" id="img1">
</DIV>
<P class="p490 ft3">besked om att transaktionen har initierats, och om så inte har skett, Prop. 2017/18:77 skälen till varför initiering inte ägt rum, som t.ex. att det inte fanns medel</P>
<P class="p54 ft3">på kontot för täckande av transaktionen.</P>
<P class="p57 ft6">Slutligen får den kontoförvaltande betaltjänstleverantören endast om det finns objektiva skäl behandla en betalningsorder som överförs via en leverantör av betalningsinitieringstjänster på ett avvikande sätt när det gäller val av tidpunkt, prioritering eller avgifter jämfört med betalnings- order som betalaren överför direkt (artikel 66.4 c).</P>
<P class="p57 ft64">Reglerna innebär således att det inte får förekomma någon särskild behandling vid hanteringen av en betalningsorder beroende på hur ordern har initierats, om det inte finns objektiva skäl för att behandla ordern annorlunda. Den kontoförvaltande betaltjänstleverantören får således t.ex. inte ta ut en högre avgift för behandling av en betalningsorder som initieras via en leverantör av betalningsinitieringstjänster för att betal- ningsordern initieras på detta sätt.</P>
<P class="p705 ft64">De nu aktuella reglerna i andra betaltjänstdirektivet bör genomföras i svensk rätt genom att motsvarande bestämmelser tas in i betaltjänstlagen.</P>
<P class="p57 ft6">För att säkerställa en betaltjänstanvändares rätt att använda sig av dessa tjänster och för att trygga en rättvis konkurrens på marknaden bör det av betaltjänstlagen tydligt framgå att den kontoförvaltande betaltjänst- leverantören ska behandla en betalningsorder som tas emot från en leverantör av betalningsinitieringstjänster på samma sätt som en betal- ningsorder som tas emot direkt från betalaren när det gäller val av tid- punkt, prioritering och avgifter, om det inte finns objektiva skäl för en annan behandling.</P>
<P class="p571 ft5">Som framgår i avsnitt 7.2.7 har leverantören av betalningsinitierings- tjänster en skyldighet att kommunicera säkert med den kontoförvaltande betaltjänstleverantören (artikel 66.3 d). Den kontoförvaltande betaltjänst- leverantören har en motsvarande skyldighet. En motsvarande bestäm- melse bör därför tas in i betaltjänstlagen. Innebörden av säker kommuni- kation preciseras i tekniska standarder som antagits av kommissionen (se artikel 98.1 d och 98.4 samt Commission delegated regulation [EU] supplementing Directive 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication). Kraven enligt de tekniska standarderna ska börja tillämpas 18 månader efter att det de trätt i kraft (se närmare om detta i avsnitt 15).</P>
<P class="p706 ft112"><SPAN class="ft42">7.2.9</SPAN><SPAN class="ft111">Åtkomst till betalkonto för leverantörer av betalningsinitieringstjänster</SPAN></P>
<P class="p707 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>En kontoförvaltande betaltjänstleverantör ska få vägra en leverantör av betalningsinitieringstjänster åtkomst till ett betalkonto endast om den kontoförvaltande betaltjänstleverantören av skäl som är objektivt motiverade och tillräckligt underbyggda gör bedömningen att leverantören av betalningsinitieringstjänster obehörigen har fått åtkomst till betalkontot eller obehörigen har initierat en betalningstransaktion från betalkontot.</P>
<P class="p160 ft3">157</P>
</DIV>
<DIV id="page_158">
<DIV id="dimg1">
<INGENBILD zsrc="H50377158x1.jpg/" id="img1">
</DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">158</P>
</DIV>
<DIV id="id_2">
<P class="p708 ft3">En kontoförvaltande betaltjänstleverantör som vägrar en leverantör av betalningsinitieringstjänster åtkomst till ett betalkonto ska på avtalat sätt underrätta betaltjänstanvändaren om att åtkomst till betalkontot har vägrats och om skälen för detta.</P>
<P class="p709 ft6">Betaltjänstanvändaren ska informeras innan åtkomst till betalkontot vägras eller så snart som möjligt därefter. Någon information till betaltjänstanvändaren får dock inte lämnas om det skulle vara oförenligt med andra föreskrifter. Detsamma gäller om det är motiverat av säkerhetsskäl att inte lämna underrättelsen.</P>
<P class="p708 ft3">Den kontoförvaltande betaltjänstleverantören ska medge åtkomst till betalkontot så snart det inte längre finns skäl för vägran.</P>
<P class="p708 ft59">Den kontoförvaltande betaltjänstleverantören ska omedelbart under- rätta Finansinspektionen om en leverantör av betalningsinitierings- tjänster har vägrats åtkomst till ett betalkonto och om skälen för detta.</P>
<P class="p686 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att utredningens förslag innebär att den kontoförvaltande betaltjänst- leverantören ska ”styrka” att leverantören av betalningsinitieringstjänsten har obehörig tillgång till betalkontot för att ha rätt att vägra tillgång.</P>
<P class="p632 ft64"><SPAN class="ft129">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft63">Svenska Bankföreningen </SPAN>anser att orda- lydelsen bör vara densamma som i direktivet, dvs. att vägran ska grundas på ”objektivt motiverade och vederbörligen styrkta skäl rörande icke auktoriserad eller bedräglig tillgång till betalkontot”. Vidare anser Bank- föreningen att utredningens förslag om att leverantören ska ”ha obehörig tillgång” till betalkontot är mer begränsat än direktivets lydelse. Slutligen anser Bankföreningen att även situationen att en aktör försöker skaffa sig tillgång till kontot bör omfattas. <SPAN class="ft63">Konkurrensverket</SPAN>, <SPAN class="ft63">Trustly Group AB </SPAN>och <SPAN class="ft63">Tink AB </SPAN>instämmer inte i utredningens bedömning att ett bevis för att styrka obehörig tillgång till ett betalkonto skulle kunna vara en bekräft- else från betalkontots innehavare att denne inte har initierat transaktionen eller gett en leverantör av en betalningsinitieringstjänst tillgång till kontot samt att betaltjänstanvändaren i förväg ska kunna lämna besked till den kontoförvaltande betaltjänstleverantören om att vissa angivna leverantörer av betalningsinitieringstjänster inte får ha tillgång till betal- kontot. <SPAN class="ft63">Konkurrensverket </SPAN>avstyrker att en betaltjänstanvändare ska ha möjlighet att i förväg neka tillgång till betalkontot. När det gäller denna fråga menar <SPAN class="ft63">Svenska Bankföreningen </SPAN>däremot att reglerna måste tolkas så att det ska vara möjligt för betaltjänstanvändaren att i förväg lämna besked om att vissa angivna leverantörer av betalningsinitieringstjänster inte ska få ha tillgång till betalkontot i fråga. <SPAN class="ft63">Finansbolagens förening </SPAN>framhåller att det ska vara kunden som har mandat att bestämma över vilka aktörer som ska få tillgång till kontoinformation.</P>
<P class="p710 ft40"><SPAN class="ft127">Skälen för regeringens förslag: </SPAN>Enligt nya regler i andra betaltjänst- direktivet får en kontoförvaltande betaltjänstleverantör neka en leverantör av betalningsinitieringstjänster (eller kontoinformationstjänster, se av- snitt 7.3.11) tillgång till betalkonto av objektivt motiverade och veder- börligen styrkta skäl rörande icke auktoriserad eller bedräglig tillgång till betalkontot av den leverantören av betalningsinitieringstjänster, inbegripet icke auktoriserad eller bedräglig initiering av en betalnings-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_159">
<DIV>
<DIV id="id_1">
<P class="p53 ft70">transaktion (artikel 68.5 första stycket första meningen). I sådana fall ska den kontoförvaltande betaltjänstleverantören på avtalat sätt informera betalaren om att tillgången till betalkontot har nekats och om skälen till detta (artikel 68.5 första stycket andra meningen). Den informationen ska, om möjligt, ges till betalaren innan tillgång nekas och senast direkt därefter, om inte tillhandahållandet av sådan information hindras av objektivt motiverade säkerhetsskäl eller förbjuds i annan relevant unions- rätt eller nationell rätt (artikel 68.5 första stycket tredje meningen).</P>
<P class="p711 ft3">Den kontoförvaltande betaltjänstleverantören ska vidare medge tillgång till betalkontot när skälen för att neka tillgång inte längre föreligger (artikel 68.5 andra stycket).</P>
<P class="p145 ft5">Slutligen ska den kontoförvaltande betaltjänstleverantören omedelbart rapportera till den behöriga myndigheten om att tillgång till ett betalkonto har vägrats (artikel 68.6 första meningen). Informationen ska innefatta relevanta uppgifter om fallet och skälen till att åtgärder vidtas och den behöriga myndigheten ska bedöma fallet och vid behov vidta lämpliga åtgärder (artikel 68.6 andra och tredje meningarna).</P>
<P class="p145 ft64">De nu aktuella reglerna i andra betaltjänstdirektivet bör genomföras i svensk rätt genom att motsvarande bestämmelser tas in i betaltjänstlagen. Som <SPAN class="ft63">Lagrådet </SPAN>föreslår bör i detta sammanhang termen ”åtkomst” till betalkonto användas. Det bör således i betaltjänstlagen anges att en kontoförvaltande betaltjänstleverantör endast får vägra en leverantör av betalningsinitieringstjänster åtkomst till ett betalkonto om leverantören av betalningsinitieringstjänster har obehörig åtkomst till betalkontot eller obehörigen har initierat en betalningstransaktion från betalkontot.</P>
<P class="p712 ft6">Enligt utredningens förslag ska den kontoförvaltande betaltjänst- leverantören kunna ”styrka” att leverantören av betalningsinitierings- tjänster har obehörig tillgång till betalarens betalkonto. <SPAN class="ft4">Svenska Bank- föreningen </SPAN>anser att bestämmelsen i betaltjänstlagen bör ha samma lydelse som i direktivet och poängterar att det är en skillnad mellan att styrka något i en rättsprocess och ha objektivt motiverade och veder- börligen styrkta skäl för sitt agerande.</P>
<P class="p605 ft5">Regeringen anser att det inte av direktivets lydelse går att utläsa att ett särskilt angivet beviskrav ska införas på det sätt som utredningen före- slår. Att de förhållanden på vilka den kontoförvaltande betaltjänst- leverantören grundar sin bedömning ska vara ”objektivt motiverade” markerar enligt regeringens uppfattning snarare att den kontoförvaltande betaltjänstleverantören ska göra gedigna bedömningar som vid varje tillfälle på ett tydligt sätt går att motivera. I direktivet är det formulerat som att det ska finnas ”vederbörligen styrkta skäl” (i den engelska språk- versionen ”duly evidenced”). Det bör förstås som att de förhållanden på vilka den kontoförvaltande betaltjänstleverantören grundar sin bedöm- ning ska kunna bevisas på sedvanligt sätt. I svensk rätt finns inte något tydligt definierat beviskrav i dessa situationer och direktivet kan inte heller anses ge någon vägledning i denna fråga. Vilken typ av bevisning och vilken styrka denna ska ha för att den kontoförvaltande betaltjänst- leverantören ska kunna neka tillträde till ett betalkonto beror på omständigheterna i det enskilda fallet. Detta är ytterst en fråga för rätts- tillämpningen att avgöra. Regeringen instämmer med <SPAN class="ft41">Lagrådet </SPAN>att det i betaltjänstlagen bör anges att skälen för vägran ska vara ”tillräckligt underbyggda”.</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">159</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_160">
<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=4 class="tr22 td93"><P class="p17 ft3"><SPAN class="ft4">Svenska Bankföreningen </SPAN>framför att förslaget bör omfatta även den</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft5">situationen att en aktör försöker skaffa sig tillgång till kontot. Även om</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft6">denna situation inte uttryckligen anges i direktivet är det, enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft5">regeringens uppfattning, uppenbart att den omfattas av den föreslagna</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft5">bestämmelsen eftersom effekten av tillämpningen av densamma är att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft7">aktören nekas åtkomst. Agerandet kommer alltså i de flesta fall att stanna</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td18"><P class="p3 ft6">vid försök.</P></TD>
<TD class="tr16 td53"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td303"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft3">Som huvudregel ska den kontoförvaltande betaltjänstleverantören på</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft7">avtalat sätt informera betaltjänstanvändaren om att leverantören av betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft7">ningsinitieringstjänster har vägrats åtkomst till betalkontot och skälen för</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft5">detta. Hur informationen ska lämnas bör alltså vara föremål för det avtal</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft6">som träffats mellan den kontoförvaltande betaltjänstleverantören och</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p27 ft7">betaltjänstanvändaren. I betaltjänstlagen bör det anges att sådan informa-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft5">tion ska lämnas innan åtkomst till betalkontot vägras eller så snart som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft5">möjligt efter vägran. På motsvarande sätt som i direktivet bör det även i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft7">lagen anges att information inte får lämnas om det är oförenligt med andra</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p3 ft5">föreskrifter eller om det är motiverat av säkerhetsskäl att inte göra det.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft6">En motsvarande regel, som reglerar frågan om information till</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft5">betalaren när ett betalningsinstrument är föremål för spärrning, finns i</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft5">första betaltjänstdirektivet (artikel 55), vilken i svensk rätt har genom-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft5">förts i en bestämmelse i betaltjänstlagen (5 kap. 4 § tredje stycket). Vid</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft6">införandet av den bestämmelsen gav regeringen som exempel på en</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft3">situation när det kan anses vara oförenligt med annan lag att lämna</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p27 ft6">information, att det finns misstanke att betalningsinstrumentet har</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft6">använts</P></TD>
<TD class="tr16 td27"><P class="p3 ft6">för</P></TD>
<TD class="tr16 td53"><P class="p72 ft5">penningtvätt</P></TD>
<TD class="tr16 td303"><P class="p17 ft6">(se prop. 2009/10:220 s. 213). Regeringen</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft7">berörde i det sammanhanget även frågan om vad som kan utgöra sådana</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft5">säkerhetsskäl som kan hindra betaltjänstleverantören från att meddela</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p27 ft6">betaltjänstanvändaren om att ett betalningsinstrument är föremål för</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft5">spärrning och slog fast att bedömningen av om sådana säkerhetsskäl</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p27 ft7">föreligger bör ha sin utgångspunkt i om informationen skulle öka risken i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p27 ft7">betalningssystemet eller på något annat sätt skada betalningssystemets</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft5">stabilitet (se samma prop.). Regeringen konstaterade också att bedöm-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft7">ningen av om betaltjänstleverantören ska underlåta att informera betalaren</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p3 ft6">om spärren ska göras i varje enskilt fall och bör vara restriktiv.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft5">De nämnda förarbetsuttalandena när det gäller vad som utgör sådana</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p27 ft5">säkerhetsskäl som utgör grund för att inte informera om spärrning bör</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft5">enligt regeringens uppfattning ha bäring på bedömningen om det finns</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p27 ft5">sådana säkerhetsskäl som medför att information inte ska lämnas till</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft6">betaltjänstanvändaren i de fall en leverantör av betalningsinitierings-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p3 ft6">tjänster nekas åtkomst till ett betalkonto.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft5">I likhet med nämnda bestämmelse i betaltjänstlagen, som anger att en</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft7">spärr av ett betalningsinstrument ska hävas så snart det inte längre finns</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft7">skäl att låta den kvarstå, bör det i betaltjänstlagen tas in en bestämmelse</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft5">om att den kontoförvaltande betaltjänstleverantören ska medge åtkomst</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p3 ft7">till betalkontot så snart det inte längre finns skäl att vägra sådan åtkomst.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p27 ft6">Den kontoförvaltande betaltjänstleverantören bör vidare åläggas att</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft3">omedelbart rapportera till Finansinspektionen när en leverantör av</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td93"><P class="p17 ft5">betalningsinitieringstjänster har vägrats åtkomst till ett betalkonto och</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td206"><P class="p3 ft6">skälen för detta.</P></TD>
<TD class="tr16 td303"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td93"><P class="p17 ft4">Konkurrensverket<SPAN class="ft3">, </SPAN>Svenska Bankföreningen<SPAN class="ft3">, </SPAN>Trustly Group AB <SPAN class="ft3">och</SPAN></P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">160</P></TD>
<TD class="tr28 td80"><P class="p3 ft4">Tink AB</P></TD>
<TD class="tr28 td27"><P class="p3 ft3">tar</P></TD>
<TD class="tr28 td53"><P class="p3 ft3">upp frågan</P></TD>
<TD class="tr28 td303"><P class="p17 ft5">om betaltjänstanvändaren ska kunna lämna</P></TD>
</TR>
</TABLE>
</DIV>
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<P class="p490 ft3">besked till den kontoförvaltande betaltjänstleverantören om att denne inte Prop. 2017/18:77 önskar att vissa leverantörer av betalningsinitieringstjänster ska få ha</P>
<P class="p566 ft5">åtkomst eller tillträde till dennes betalkonto. Det är i det sammanhanget viktigt att framhålla att betaltjänstanvändarens uttryckliga godkännande är en förutsättning för att initiera en betalningstransaktion via en leverantör av sådana tjänster (artikel 66.2 i andra betaltjänstdirektivet). Denna förutsättning korresponderar med den ovan behandlade grunden för att vägra åtkomst som kommer till uttryck i direktivet; nämligen att leverantören har icke auktoriserad tillgång till betalkontot (artikel 68.5) – det finns ju då inte något godkännande från kunden. Det är alltså, som <SPAN class="ft41">Finansbolagens förening </SPAN>framhåller, kunden som ska ha kontroll och mandat att bestämma över vilka aktörer som ska få tillgång till kontoinformation. Om en betaltjänstanvändare som tidigare lämnat ett meddelande till den kontoförvaltande betaltjänstleverantören att en viss leverantör inte ska ha åtkomst till kontot sedan lämnar ett godkännande till leverantören, får det senare meddelandet uppfattas som ett åter- tagande av det tidigare meddelandet. Den kontoförvaltande betaltjänst- leverantören ska då inte ha rätt att vägra åtkomst.</P>
<P class="p713 ft133"><SPAN class="ft42">7.2.10</SPAN><SPAN class="ft132">Möjlighet att vägra en betalningsorder som inte strider mot ramavtalet</SPAN></P>
<P class="p714 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Om villkoren i betaltjänstleverantörens ram- avtal med betalaren är uppfyllda, får betalarens betaltjänstleverantör inte vägra att utföra en godkänd betalningsorder som initierats av en leverantör av betalningsinitieringstjänster, såvida inte utförandet av betalningsordern skulle strida mot annan lag.</P>
<P class="p715 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p54 ft3">det.</P>
<P class="p12 ft80">Skälen för regeringens förslag: <SPAN class="ft6">När alla villkor i betalarens ramavtal är uppfyllda, får betalarens kontoförvaltande betaltjänstleverantör, enligt andra betaltjänstdirektivet, inte vägra att genomföra en auktoriserad betalningsorder, oberoende av om betalningsordern initieras av en betalare, inbegripet genom en leverantör av betalningsinitieringstjänster på betalarens vägnar eller av eller via en betalningsmottagare, om inte detta är förbjudet enligt annan relevant unionsrätt eller nationell rätt (artikel 79.2).</SPAN></P>
<P class="p57 ft5">I första betaltjänstdirektivet finns en motsvarande regel, men den gäller endast betalningsorder som initierats av betalaren eller betalnings- mottagaren (artikel 65.2). Det som är nytt i andra betaltjänstdirektivet är alltså att även betalningsorder som initierats av en leverantör av betalningsinitieringstjänster ska omfattas av regeln.</P>
<P class="p716 ft3">Regeln i första betaltjänstdirektivet har i svensk rätt genomförts i en bestämmelse i betaltjänstlagen (5 kap. 11 §). För att genomföra andra betaltjänstdirektivet bör det i betaltjänstlagen göras ett motsvarande tillägg om betalningsorder initierade av leverantörer av betalnings- initieringstjänster.</P>
<P class="p717 ft3">161</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">162</P>
</DIV>
<DIV id="id_2">
<P class="p718 ft133"><SPAN class="ft42">7.2.11</SPAN><SPAN class="ft132">Underrättelse vid vägran att initiera en betalningstransaktion</SPAN></P>
<P class="p719 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>En betaltjänstleverantör som vägrar att initiera en betalningstransaktion ska underrätta betaltjänstanvändaren om detta på avtalat sätt snarast möjligt och senast vid slutet av nästföljande bankdag eller, om betalningen initierats av eller via en betalnings- mottagare, senast vid den tidpunkt som betalningsordern enligt avtal ska överföras till betalarens betaltjänstleverantör.</P>
<P class="p680 ft40">Av underrättelsen ska om möjligt skälen för vägran framgå liksom vilket förfarande som tillämpas för att rätta till fel som kan ha föranlett vägran. Betaltjänstleverantören får ta ut en avgift för underrättelsen om det finns skälig grund för vägran och leverantören enligt ett ram- avtal med betaltjänstanvändaren får ta ut en sådan avgift.</P>
<P class="p720 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p15 ft3">det.</P>
<P class="p463 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Av andra betaltjänstdirektivet följer att om betaltjänstleverantören vägrar att genomföra en betalningsorder eller initiera en betalningstransaktion, ska vägran och om möjligt skälen för vägran samt förfarandet för att korrigera eventuella sakfel som lett till vägran meddelas betaltjänstanvändaren, om inte detta är förbjudet enligt annan relevant unionsrätt eller nationell rätt (artikel 79.1 första stycket). Betaltjänstleverantören ska lämna underrättelsen på avtalat sätt snarast möjligt och i alla händelser senast vid slutet av nästföljande bankdag eller, om betalningen initierats av eller via en betalningsmottagare, senast vid den tidpunkt som betalningsordern enligt avtal ska överföras till betalarens betaltjänstleverantör (artikel 79.1 andra stycket och artikel 83). Ramavtalet får innehålla villkor som innebär att betaltjänst- leverantören får ta ut en rimlig avgift för denna vägran om vägran varit objektivt motiverad (artikel 79.1 tredje stycket). Samma skyldigheter åligger en betaltjänstleverantör vid vägran att initiera en betalnings- transaktion som vid vägran att genomföra en betalningsorder (artik- el 79.1 första stycket).</P>
<P class="p616 ft3">I första betaltjänstdirektivet finns en motsvarande regel, men denna gäller endast situationen när betaltjänstleverantören vägrar genomföra en betalningsorder (artikel 65.1). De tillägg som har gjorts i andra betal- tjänstdirektivet rör alltså betalningsinitieringstjänster.</P>
<P class="p463 ft5">Regeln i första betaltjänstdirektivet har genomförts i svensk rätt i en bestämmelse i betaltjänstlagen (5 kap. 10 §). Bestämmelsen innebär att en betaltjänstleverantör som vägrar att utföra en betalningsorder ska underrätta betaltjänstanvändaren om detta på avtalat sätt snarast möjligt och senast vid slutet av nästföljande bankdag eller, om betalningen initierats av eller via en betalningsmottagare, senast vid den tidpunkt som betalningsordern enligt avtal ska överföras till betalarens betaltjänst- leverantör. Av underrättelsen ska framgå, om möjligt, skälen för vägran och vilket förfarande som tillämpas för att rätta till fel som kan ha föranlett vägran. Betaltjänstleverantören får ta ut en avgift för under- rättelsen om det finns skälig grund för vägran och leverantören enligt ett ramavtal med betaltjänstanvändaren får ta ut en sådan avgift. För att</P>
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<P class="p490 ft3">genomföra andra betaltjänstdirektivet bör det i betaltjänstlagen göras ett Prop. 2017/18:77 motsvarande tillägg om vägran att initiera en betalningsorder.</P>
<P class="p721 ft110"><SPAN class="ft42">7.2.12</SPAN><SPAN class="ft134">Återkallelse av en betalningsorder</SPAN></P>
<P class="p722 ft6"><SPAN class="ft80">Regeringens förslag: </SPAN>När en betalningstransaktion initieras av en leverantör av betalningsinitieringstjänster ska betalaren inte få åter- kalla betalningsordern efter det att betalaren har gett sitt godkännande att initiera betalningstransaktionen till leverantören av betalnings- initieringstjänster.</P>
<P class="p723 ft3">Efter denna tidpunkt ska betalningsordern få återkallas endast om detta har avtalats mellan betaltjänstanvändaren och berörd betaltjänst- leverantör.</P>
<P class="p467 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att enligt utredningens förslag ska betalningsmottagarens godkännande av återkallelsen krävas även då en betalningstransaktion har initierats av en leverantör av en betalningsinitieringstjänst.</P>
<P class="p58 ft40"><SPAN class="ft127">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft39">Trustly Group AB </SPAN>anför att det bör över- vägas ett förbud mot att den kontoförvaltande betaltjänstleverantören erbjuder betalaren att avbryta en initierad transaktion.</P>
<P class="p57 ft70"><SPAN class="ft126">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska en betalningstransaktion betraktas som godkänd om betalaren har lämnat sitt samtycke till den (artikel 64.1). Den frågan behandlas närmare i avsnitt 7.2.5. När en betalningstransaktion initieras av en leverantör av betalningsinitieringstjänster eller av eller genom betalningsmottagaren ska betalaren inte återkalla betalningsordern efter att ha gett sitt god- kännande till leverantören av betalningsinitieringstjänster att initiera betalningstransaktionen eller efter att till betalningsmottagaren ha gett sitt godkännande till att betalningstransaktionen genomförs (artikel 80.2). Av direktivet följer vidare att betalningsordern får återkallas efter ut- gången av dessa tidsfrister endast om detta har avtalats mellan betal- tjänstanvändaren och de berörda betaltjänstleverantörerna. Om en betal- ningstransaktion har initierats av en leverantör av en betalningsinitierings- tjänst eller av eller genom betalningsmottagaren får återkallelse ske efter det att betalaren har gett sitt godkännande endast om betalningsmottagaren godkänner återkallelsen. Vid en autogirering får återkallelse ske efter slutet av den bankdag som föregår den dag som avtalats för debitering av medel endast om betalningsmottagaren godkänt återkallelsen (artikel 80.5).</P>
<P class="p724 ft6">I första betaltjänstdirektivet finns motsvarande regler, men dessa om- fattar endast den situationen att betalningen initierats av betalnings- mottagaren (artikel 66). Reglerna om återkallande när en betalnings- transaktion initierats av en leverantör av betalningsinitieringstjänster är alltså nya.</P>
<P class="p174 ft40">Enligt betaltjänstlagen ska en betalningstransaktion betraktas som god- känd om betalaren har lämnat sitt samtycke till att den genomförs (5 kap. 3 §). När en betalningstransaktion initieras av eller via betalnings-</P>
<P class="p54 ft23">mottagaren får betalaren inte återkalla betalningsordern efter det att</P>
<P class="p160 ft3">163</P>
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<DIV id="page_164">
<P class="p725 ft3">Prop. 2017/18:77 denna har överfört ordern eller gett sitt godkännande till att genomföra transaktionen till mottagaren (5 kap. 14 § första stycket). Bestämmelsen är tillämplig t.ex. när en betalningsorder har initierats genom betalnings- mottagaren vid betalning med kontokort i butik.</P>
<P class="p726 ft64">För att genomföra reglerna i andra betaltjänstdirektivet om återkallelse av betalningsorder som initieras av en leverantör av betalningsinitierings- tjänster bör det i nämnda bestämmelse i betaltjänstlagen göras ett tillägg om återkallelse av betalningstransaktioner som initierats av en sådan leverantör, dvs. återkallelse ska inte kunna ske om betalaren har gett sitt godkännande att initiera betalningstransaktionen till leverantören av betalningsinitieringstjänster.</P>
<P class="p727 ft5">Enligt betaltjänstlagen får en betalningsorder dock återkallas efter överföring eller godkännande om detta har avtalats mellan betaltjänst- användaren och dennes betaltjänstleverantör samt vid transaktioner initierade av betalningsmottagaren under förutsättning att mottagaren godkänner återkallelsen (5 kap. 15 §). För att genomföra andra betal- tjänstdirektivet bör den bestämmelsen ändras så att det anges att avtal om återkallelse av betalningsorder ska ha träffats mellan betaltjänstanvän- daren och de berörda betaltjänstleverantörerna, vilket alltså inkluderar leverantörer av betalningsinitieringstjänster. De bör emellertid inte införas en bestämmelse om att mottagarens godkännande ska krävas vid återkallelse av en betalningstransaktion initierad av en leverantör av en betalningsinitieringstjänst. Att detta krävs framgår visserligen av direktivet (som i artikel 80.5 andra meningen hänvisar till artikel 80.2), men det beror med största sannolikhet på ett förbiseende, då det måste anses orimligt att betalningsmottagarens godkännande ska krävas när betalningen inte initierats av denne.</P>
<P class="p728 ft3"><SPAN class="ft4">Trustly Group AB </SPAN>efterfrågar ett förbud mot att den kontoförvaltande betaltjänstleverantören erbjuder betalaren att avbryta en initierad transaktion. Den föreslagna bestämmelsen ger emellertid inte utrymme för sådana erbjudanden. Regeringen anser därför att det saknas skäl att införa ett sådant uttryckligt förbud.</P>
<TABLE cellpadding=0 cellspacing=0 class="t88">
<TR>
<TD class="tr51 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr51 td153"><P class="p510 ft42">7.2.13</P></TD>
<TD class="tr51 td283"><P class="p3 ft110">Styrkande av att en betalningstransaktion har</P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p3 ft110">godkänts och genomförts korrekt</P></TD>
</TR>
<TR>
<TD class="tr42 td134"><P class="p3 ft114"> </P></TD>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft5"><SPAN class="ft78">Regeringens bedömning: </SPAN>Det behöver inte införas någon uttrycklig</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">bestämmelse om vilken part som har bevisbördan för att en betal-</P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft3">ningstransaktion godkänts och genomförts korrekt.</P></TD>
</TR>
<TR>
<TD class="tr47 td288"><P class="p3 ft130"> </P></TD>
<TD colspan=2 class="tr46 td295"><P class="p3 ft8"> </P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td93"><P class="p27 ft5"><SPAN class="ft78">Utredningens bedömning </SPAN>överensstämmer med regeringens bedöm-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft6">ning.</P></TD>
<TD class="tr16 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft5"><SPAN class="ft78">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker bedömningen</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">eller har inget att invända mot den. <SPAN class="ft41">Förvaltningsrätten i Stockholm </SPAN>anser</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">att det kan finnas en risk för att direktivets uttryckliga regel om bevis-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">bördans placering inte på ett tillräckligt tydligt sätt införlivas med svensk</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">rätt om den inte kommer till uttryck i lagtext. <SPAN class="ft41">Svenska Bankföreningen</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">anser att bevisbördans placering får antas ha betydelse för utgången i</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">kommande tvister mellan kontoförvaltande betaltjänstleverantörer och</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr51 td134"><P class="p512 ft7">164</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft5">leverantörer av betalningsinitieringstjänster, varför direktivets regler om</P></TD>
</TR>
<TR>
<TD class="tr42 td153"><P class="p3 ft114"> </P></TD>
<TD class="tr42 td283"><P class="p3 ft114"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_165">
<DIV>
<DIV id="id_1">
<P class="p729 ft3">bevisbördan bör komma till uttryck i lagtexten. <SPAN class="ft4">Trustly Group AB </SPAN>efter- frågar ett förtydligande av vad bevisbördan i praktiken innebär.</P>
<P class="p145 ft64"><SPAN class="ft129">Skälen för regeringens bedömning: </SPAN>Om betaltjänstanvändaren nekar till att ha auktoriserat en genomförd betalningstransaktion eller hävdar att den inte har genomförts på ett korrekt sätt ska betaltjänstleverantören, enligt andra betaltjänstdirektivet, kunna styrka att betalningstransaktionen autentiserats, registrerats, kontoförts och inte påverkats av något tekniskt fel eller någon annan brist i den tillhandahållna tjänsten (artikel 72.1 första stycket). Detta överensstämmer med det som gäller enligt första betaltjänstdirektivet (artikel 59.1). Om betalningstransaktionen initierats genom en leverantör av betalningsinitieringstjänster ska, enligt nya regler i andra betaltjänstdirektivet, bevisbördan ligga på denna leverantör att, inom ramen för sin behörighet, visa att betalningstransaktionen har autentiserats, registrerats korrekt och inte påverkats av ett tekniskt fel eller någon annan brist i samband med den betaltjänst som leverantören har ansvar för (artikel 72.1 andra stycket samt artikel 73.2 andra stycket och artikel 90.1 andra stycket).</P>
<P class="p730 ft5">Vidare anges i andra betaltjänstdirektivet att om en betaltjänst- användare nekar till att ha auktoriserat en genomförd betalningstransak- tion ska användningen av ett betalningsinstrument som betaltjänst- leverantören registrerat, inklusive leverantören av betalningsinitierings- tjänster i förekommande fall, inte nödvändigtvis räcka som bevis för att betalaren auktoriserat betalningstransaktionen eller att betalaren handlat bedrägligt, eller avsiktligen eller av grov vårdslöshet försummat att upp- fylla en eller flera av sina skyldigheter (artikel 72.2). Betaltjänstleveran- tören, inklusive leverantören av betalningsinitieringstjänster i före- kommande fall, ska lägga fram styrkande handlingar för att bevisa bedrägeri eller grov vårdslöshet från betaltjänstanvändarens sida. En motsvarighet till den sistnämnda regeln finns i första betaltjänstdirektivet (artikel 59.2).</P>
<P class="p686 ft39">Förvaltningsrätten i Stockholm <SPAN class="ft40">och </SPAN>Svenska Bankföreningen <SPAN class="ft40">anser att direktivets regler om bevisbördans placering bör komma till uttryck i lag.</SPAN></P>
<P class="p145 ft5">Vid genomförandet av första betaltjänstdirektivet gjorde regeringen den bedömningen att direktivets regel om bevisbördans placering i förhållandet mellan betaltjänstleverantören och betaltjänstanvändaren inte krävde någon lagstiftningsåtgärd (jfr prop. 2009/10:220 s. 217 och prop. 2009/10:122 s. 19). Regeringen uttalade där bl.a. att det enligt allmänna principer är leverantören som har bevisbördan för de för- hållanden som anges i direktivet och att omständigheterna ingår i det som betaltjänstleverantören måste visa utan att någon uttrycklig regel om detta behövs (prop. 2009/10:220 s. 217). Regeringen finner inte skäl att göra någon annan bedömning när det gäller den motsvarande regeln i andra betaltjänstdirektivet (artikel 72.1 första stycket).</P>
<P class="p730 ft5">När det vidare gäller den nya regleringen som behandlar den bevis- börda som läggs på leverantörer av betalningsinitieringstjänster (artikel 72.1 andra stycket samt artikel 73.2 andra stycket och artikel 90.1 andra stycket) får denna också anses uttrycka allmänna principer. Som <SPAN class="ft41">Svenska Bankföreningen </SPAN>påpekar kommer bevisbördans placering ha betydelse för utgången i kommande tvister mellan kontoförvaltande betaltjänstleverantörer och leverantörer av betalningsinitieringstjänster. Det innebär emellertid inte att det bör tas in bestämmelser om bevis-</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">165</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_166">
<DIV id="dimg1">
<INGENBILD zsrc="H50377166x1.jpg/" id="img1">
</DIV>
<P class="p498 ft64">Prop. 2017/18:77 bördans placering i lag. I avsnitten 7.2.14 och 7.2.15 föreslås att det i betaltjänstlagen ska införas bestämmelser om vilken part som bär ansvaret för en obehörig eller felaktigt genomförd betalningstransaktion. De innebär i korthet att en leverantör av en betalningsinitieringstjänst som är ansvarig för en sådan transaktion ska ersätta den kontoförvaltande betaltjänstleverantören för förluster och belopp som har återbetalts av den kontoförvaltande betaltjänstleverantören till betaltjänstanvändaren (artikel 73.2 andra stycket och artikel 90.2 i andra betaltjänstdirektivet). För att en leverantör av en betalningsinitieringstjänst ska undgå ersätt- ningsansvar ska det enligt det förslaget alltså krävas att betalnings- transaktionen är godkänd och i övrigt korrekt genomförd. Dessa omstän- digheter måste alltså åberopas av leverantören av en betalningsinitierings- tjänst i händelse av en tvist med den kontoförvaltande betaltjänst- leverantören och bevis till styrkande av dessa förhållanden kan bara finnas hos leverantören av betalningsinitieringstjänsten. Enligt regeringens bedömning är det leverantören av betalningsinitieringstjänsten som i dessa situationer kommer att bevisbördan för dessa förhållanden även om detta inte anges i lag.</P>
<P class="p731 ft3">Sammanfattningsvis finner regeringen att de nu aktuella reglerna i andra betaltjänstdirektivet (artikel 72.1 andra stycket samt artikel 73.2 andra stycket och artikel 90.1 andra stycket) inte kräver någon lagstift- ningsåtgärd.</P>
<P class="p482 ft6">När det slutligen gäller regeln i direktivet om att det faktum att ett betalningsinstrument använts som bevis inte nödvändigtvis är tillräckligt för att styrka att betalaren godkänt en betalningstransaktion eller att betalaren handlat bedrägligt (artikel 72.2) kan följande anföras. Regeln får anses ge uttryck för principen om fri bevisprövning. Denna princip regleras i rättegångsbalken (35 kap. 1 §) och är väletablerad i svensk processrätt. Regeringen anser mot den bakgrunden att regeln inte kräver någon lagstiftningsåtgärd.</P>
<P class="p668 ft40"><SPAN class="ft39">Trustly Group AB </SPAN>önskar ett förtydligande av vad bevisbördan i prak- tiken innebär. Denna fråga anser regeringen – också med hänvisning till principen om fri bevisprövning – bör överlämnas till rättstillämpningen.</P>
<P class="p732 ft110"><SPAN class="ft42">7.2.14</SPAN><SPAN class="ft134">Ansvar för obehöriga betalningstransaktioner</SPAN></P>
<P class="p542 ft124"><SPAN class="ft140">Regeringens förslag: </SPAN>Om en leverantör av betalningsinitierings- tjänster har orsakat att en obehörig betalningstransaktion kunnat genomföras, ska leverantören ersätta den kontoförvaltande betaltjänst- leverantören för de förluster, inbegripet belopp som betalats till betaltjänstanvändaren, som uppkommit hos betaltjänstleverantören.</P>
<P class="p733 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft3">det.</P>
<P class="p486 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Av andra betaltjänstdirektivet följer att om en betalningstransaktion initieras av en leverantör av betalnings- initieringstjänster ska den kontoförvaltande betaltjänstleverantören omedelbart, och i alla händelser senast i slutet av följande bankdag,</P>
<P class="p489 ft113">betala tillbaka den icke auktoriserade betalningstransaktionens belopp</P>
<P class="p15 ft3">166</P>
</DIV>
<DIV id="page_167">
<P class="p476 ft3">och i tillämpliga fall återställa det debiterade betalkontot till den ställning Prop. 2017/18:77 som skulle ha förelegat om den icke auktoriserade betalningstransak-</P>
<P class="p656 ft6">tionen inte hade ägt rum (artikel 73.2 första stycket). Dessa regler, som reglerar rättsförhållandet mellan den kontoförvaltande betaltjänst- leverantören och betalaren i händelse av en obehörig transaktion, be- handlas i avsnitt 8.4.3.</P>
<P class="p644 ft5">Av andra betaltjänstdirektivet följer att om leverantören av betalnings- initieringstjänster är ansvarig för den icke auktoriserade betalnings- transaktionen ska den omedelbart ersätta den kontoförvaltande betal- tjänstleverantören på betaltjänstleverantörens begäran för förluster eller betalda belopp till följd av återbetalningen till betalaren, inbegripet den icke auktoriserade betalningstransaktionens belopp (artikel 72.2 andra stycket första meningen).</P>
<P class="p551 ft3">Dessa regler i andra betaltjänstdirektivet har inte några motsvarigheter i första betaltjänstdirektivet eller i betaltjänstlagen.</P>
<P class="p696 ft64">Regeringen anser att det är av vikt att ansvarsfördelningen mellan den kontoförvaltande betaltjänstleverantören och leverantören av betalnings- initieringstjänster framgår tydligt i betaltjänstlagen. Den nu aktuella regeln i andra betaltjänstdirektivet (artikel 73.2 andra stycket första meningen) bör därför genomföras i svensk rätt genom att en motsvarande bestämmelse tas in i betaltjänstlagen. När det gäller terminologin kan konstateras att det i direktivet anges att betalningsskyldigheten upp- kommer när en leverantör av en betalningsinitieringstjänst är ”ansvarig” för den obehöriga betalningstransaktionen. Vad som avses torde vara att denne har orsakat att den obehöriga betalningstransaktionen genomförts. För att tydliggöra detta, och för att terminologin i betaltjänstlagen ska vara enhetlig (jfr 5 kap. 31 § i den nuvarande lydelsen som rör återkrav från mellanhänder och andra betaltjänstleverantörer som inte anlitats av betalaren), bör den nya bestämmelsen utformas så att den gäller leverantörer av betalningsinitieringstjänster som har ”orsakat” att en obehörig transaktion kunnat genomföras. I direktivet anges vidare att återbetalningen ska ske ”omedelbart” (se artikel 73.2 andra stycket första meningen). Av allmänna fordringsrättsliga principer följer att fordran förfaller till betalning vid anfordran, varför en uttrycklig bestämmelse om detta inte är nödvändig. Följaktligen bör det i betaltjänstlagen införas en bestämmelse om att en leverantör av betalningsinitieringstjänster som har orsakat en obehörig betalningstransaktion ska ersätta den konto- förvaltande betaltjänstleverantören för de förluster som vållats denne till följd av den obehöriga transaktionen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t89">
<TR height=0>
<TD width=1px></TD>
<TD width=48px></TD>
<TD width=344px></TD>
<TD width=1px></TD>
<TD width=111px></TD>
</TR>
<TR>
<TD colspan=2 class="tr51 td58"><P class="p241 ft42">7.2.15</P></TD>
<TD colspan=2 class="tr51 td260"><P class="p90 ft110">Ansvar för uteblivet, bristfälligt eller försenat</P></TD>
<TD class="tr51 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr22 td22"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td73"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td260"><P class="p90 ft110">genomförande av en betalningstransaktion</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr14 td304"><P class="p3 ft18"> </P></TD>
<TD colspan=2 class="tr14 td305"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td304"><P class="p3 ft18"> </P></TD>
<TD class="tr42 td146"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD class="tr20 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td307"><P class="p74 ft7"><SPAN class="ft115">Regeringens förslag: </SPAN>Om en betalningstransaktion inte har genomförts</P></TD>
<TD class="tr20 td306"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td307"><P class="p74 ft6">eller genomförts bristfälligt och den har initierats av betalaren via en</P></TD>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td307"><P class="p74 ft6">leverantör av betalningsinitieringstjänster, ska den kontoförvaltande</P></TD>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td307"><P class="p74 ft3">betaltjänstleverantören betala tillbaka beloppet i betalningstransak-</P></TD>
<TD class="tr15 td306"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td307"><P class="p74 ft7">tionen till betalaren eller återställa det debiterade betalkontots ställning</P></TD>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td307"><P class="p74 ft6">till den som det skulle ha haft om den bristfälligt genomförda betal-</P></TD>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 rowspan=2 class="tr22 td307"><P class="p74 ft5">ningstransaktionen inte hade ägt rum. De bestämmelser i betaltjänst-</P></TD>
<TD class="tr15 td306"><P class="p3 ft2"> </P></TD>
<TD rowspan=2 class="tr22 td146"><P class="p17 ft3">167</P></TD>
</TR>
<TR>
<TD class="tr14 td22"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td22"><P class="p3 ft18"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_168">
<DIV id="dimg1">
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</DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">168</P>
</DIV>
<DIV id="id_2">
<P class="p679 ft3">lagen som reglerar när återbetalning inte behöver ske ska vara tillämp- liga även när betalningen har initierats via en leverantör av betalnings- initieringstjänster.</P>
<P class="p627 ft40">Om en leverantör av betalningsinitieringstjänster har orsakat att en betalningstransaktion inte genomförts eller genomförts bristfälligt, ska leverantören ersätta den kontoförvaltande betaltjänstleverantören för de förluster, inbegripet belopp som betalats till betaltjänstanvändaren, som uppkommit hos den kontoförvaltande betaltjänstleverantören.</P>
<P class="p734 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p15 ft3">det.</P>
<P class="p463 ft70"><SPAN class="ft126">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet finns nya regler om ansvar vid betalningsinitieringstjänster för uteblivet, bristfälligt eller försenat utförande av betalningstransaktioner (artikel 90). När en betalningstransaktion initieras av betalaren via en leverantör av betalnings- initieringstjänster ska den kontoförvaltande betaltjänstleverantören betala tillbaka beloppet för den icke genomförda eller bristfälligt genomförda betalningstransaktionen till betalaren och i tillämpliga fall återställa det debiterade betalkontots ställning till den som skulle ha förelegat om den bristfälligt genomförda betalningstransaktionen inte hade ägt rum (artikel 90.1 första stycket). Det tydliggörs vidare att detta gäller under förutsättning att betaltjänstanvändaren har iakttagit sina skyldigheter enligt direktivet att inom vissa tidsramar underrätta betaltjänstleveran- tören om den felaktigt genomförda betalningstransaktionen och att lämna en riktig identifikationskod samt att regeln inte påverkar betalarens betal- tjänstleverantörs skyldighet att vidta rimliga åtgärder för att återvinna medel (artiklarna 71, 88.2 och 88.3). Om leverantören av betalnings- initieringstjänster är ansvarig för den icke genomförda, bristfälliga eller sent gjorda betalningstransaktionen ska den omedelbart ersätta den kontoförvaltande betaltjänstleverantören på dess begäran för alla förluster eller betalda belopp till följd av återbetalningen till betalaren (artikel 90.2).</P>
<P class="p735 ft5">De nu aktuella reglerna i andra betaltjänstdirektivet (artikel 90.1 första stycket och artikel 90.2) bör genomföras i svensk rätt genom att mot- svarande bestämmelser tas in i betaltjänstlagen. Det bör således anges i lagen att även om betalningstransaktionen initierats via en leverantör av betalningsinitieringstjänster är det den kontoförvaltande betaltjänst- leverantören som till betalaren ska återbetala ett belopp som motsvarar den bristfälligt utförda eller uteblivna transaktionen eller återställa det debiterade kontots ställning till den som skulle ha förelegat om den bristfälligt genomförda betalningstransaktionen aldrig hade ägt rum. I enlighet med direktivet och de förutsättningar för återbetalning som anges i betaltjänstlagen bör återbetalning inte behöva ske om betal- tjänstanvändaren inte har underrättat den kontoförvaltande betaltjänst- leverantören inom viss tid (5 kap. 30 § betaltjänstlagen) eller om betaltjänstanvändaren har använt sig av en felaktig unik identifikations- kod (5 kap. 23 § andra stycket).</P>
<P class="p736 ft59">Det bör vidare införas en bestämmelse i betaltjänstlagen om att den kontoförvaltande betaltjänstleverantören har rätt att kräva en leverantör av betalningsinitieringstjänster på den ersättning som betalats på grund</P>
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<P class="p557 ft3">av en bristfälligt utförd transaktion. När det gäller terminologin gör Prop. 2017/18:77 regeringen samma bedömning som när det gäller återbetalning vid en</P>
<P class="p532 ft64">obehörig transaktion (avsnitt 7.2.14). Det innebär att det i betaltjänstlagen bör anges att om en leverantör av betalningsinitieringstjänster har orsakat den felaktigt genomförda transaktionen ska denne ersätta den konto- förvaltande betaltjänstleverantören för förluster och betalda belopp till följd av återbetalningen till betalaren. Det kan också vara fråga om att ersätta kostnader som den kontoförvaltande betaltjänstleverantören haft för att utreda transaktionen innan återbetalning sker.</P>
<P class="p737 ft133">7.2.16 Underrättelse och rättelse i samband med felaktiga betalningar</P>
<P class="p738 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Betaltjänstanvändaren ska underrätta den konto- förvaltande betaltjänstleverantören om att en transaktion genomförts felaktigt även om det är en leverantör av betalningsinitieringstjänster som har initierat transaktionen.</P>
<P class="p560 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p15 ft3">det.</P>
<P class="p457 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska, när betaltjänstanvändaren får kännedom om en icke auktoriserad eller felaktigt genomförd betalningstransaktion som ger upphov till en fordran, betaltjänstanvändaren endast få rättelse om betaltjänstanvändaren under- rättar sin betaltjänstleverantör utan onödigt dröjsmål och senast</P>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr28 td298"><P class="p3 ft3">13 månader efter debiteringsdagen. Dessa tidsfrister är inte tillämpliga</P></TD>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">om betaltjänstleverantören varken har lämnat information om betalnings-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">transaktionen eller gjort informationen tillgänglig i enlighet med reglerna</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">i direktivet (artikel 71.1).</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p90 ft3">En motsvarande regel finns i första betaltjänstdirektivet (artikel 58),</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">vilken har genomförts i svensk rätt i bestämmelser i lagen om obehöriga</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">transaktioner med betalningsinstrument (8 §) och betaltjänstlagen (5 kap.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">30 §).</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p90 ft6">Frågan om rättelse vid obehöriga transaktioner berörs i avsnitt 8.4.8,</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">som behandlar reglerna i andra betaltjänstdirektivet om obehöriga</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">transaktioner och hur dessa bör genomföras i svensk rätt. I det följande</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">behandlas alltså endast felaktigt genomförda transaktioner.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p90 ft6">I andra betaltjänstdirektivet anges att om en leverantör av betalnings-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">initieringstjänster är inblandad i en transaktion ska betaltjänstanvändaren</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">få rättelse av den kontoförvaltande betaltjänstleverantören utan att det</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">påverkar det ansvar som leverantören av betalningsinitieringstjänster har</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">för felaktiga transaktioner eller betaltjänstleverantörens ansvar vid</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">betalningstransaktioner som inte utförts korrekt (artiklarna 71.2, 73.2 och</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">89.1).</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p90 ft3">Att den kontoförvaltande betaltjänstleverantören ska ersätta betaltjänst-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">användaren, dvs. ge rättelse, även om betalningen initierats av en</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">leverantör av en betalningsinitieringstjänst följer även av förslaget i</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">avsnitt 7.2.15. Enligt direktivet gäller vidare att den kontoförvaltande</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p3 ft3">betaltjänstleverantörens skyldighet att ge rättelse inte påverkar det ansvar</P></TD>
<TD rowspan=2 class="tr50 td78"><P class="p17 ft3">169</P></TD>
</TR>
<TR>
<TD class="tr40 td298"><P class="p3 ft17"> </P></TD>
</TR>
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<P class="p572 ft3">Prop. 2017/18:77 som leverantören av betalningsinitieringstjänster har för felaktiga transak- tioner (artikel 71.2). Detta behöver dock enligt regeringens uppfattning inte uttryckligen anges i lag. Regeringen anser däremot att det av tydlighetsskäl är motiverat att i betaltjänstlagen ange att betaltjänst- användaren ska underrätta den kontoförvaltande betaltjänstleverantören om den felaktigt utförda transaktionen, även om en leverantör av betal- ningsinitieringstjänster har initierat den felaktigt genomförda betalnings- transaktionen.</P>
<P class="p739 ft97"><SPAN class="ft35">7.3</SPAN><SPAN class="ft106">Leverantörer av kontoinformationstjänster</SPAN></P>
<P class="p740 ft112"><SPAN class="ft42">7.3.1</SPAN><SPAN class="ft146">Undantag från tillståndsplikt och krav på ansvarsförsäkring</SPAN></P>
<P class="p741 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Den som endast tillhandahåller kontoinforma- tionstjänster ska undantas från tillståndsplikt. En fysisk eller juridisk person som är leverantör av kontoinformationstjänster får undantas från tillståndsplikt och i stället registreras under vissa förutsättningar. Förutsättningarna ska vara att det finns skäl att anta att den planerade verksamheten kommer att drivas i enlighet med gällande regelverk och att företrädarna för den juridiska personen inte tidigare har gjort sig skyldiga till ekonomisk brottslighet, har tillräcklig insikt och erfarenhet för att delta i ledningen av företaget och i övrigt är lämp- liga. Ytterligare förutsättning för att en sådan leverantör ska få registreras ska vara att företaget har en ansvarsförsäkring som täcker det geografiska område inom vilket företaget driver sin verksamhet eller en jämförbar garanti som täcker den skadeståndsskyldighet som kan uppkomma till följd av verksamheten.</P>
<P class="p742 ft40">I Finansinspektionens register över registrerade betaltjänstleveran- törer ska det även föras in uppgifter om de registrerade betaltjänst- leverantörer som inte längre uppfyller villkoren för registrering.</P>
<P class="p564 ft6">Kravet på ansvarsförsäkring ska även gälla som förutsättning för tillstånd som betalningsinstitut för en betaltjänstleverantör som endast tillhandahåller kontoinformationstjänster.</P>
<P class="p743 ft59"><SPAN class="ft94">Regeringens bedömning: </SPAN>Det krävs inte någon lagstiftningsåtgärd för att genomföra det andra betatjänstdirektivets krav på vad en ansökan om undantag från tillståndsplikt ska innehålla.</P>
<P class="p695 ft78">Utredningens förslag och bedömning <SPAN class="ft5">överensstämmer i huvudsak med regeringens förslag och bedömning. Utredningens förslag avviker från regeringens förslag genom att utredningen inte föreslår att kravet på ansvarsförsäkring även ska gälla som förutsättning för tillstånd som betalningsinstitut för en betaltjänstleverantör som endast tillhandahåller kontoinformationstjänster.</SPAN></P>
<P class="p501 ft40"><SPAN class="ft127">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget och bedömningen eller har inget att invända mot dem. <SPAN class="ft39">Svenska Bank- föreningen </SPAN>vill ha vägledning om hur banker och andra kontoförvaltande betaltjänstleverantörer ska kunna få ta del av ansvarsförsäkringen.</P>
<P class="p279 ft3">170</P>
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<P class="p15 ft42">Skälen för regeringens förslag och bedömning</P>
<P class="p672 ft4">Undantag från tillståndsplikt samt registrering</P>
<P class="p744 ft64">Enligt andra betaltjänstdirektivet är kontoinformationstjänster betal- tjänster (artikel 4.3 och punkt 8 i bilaga I). Som huvudregel krävs, enligt direktivet, auktorisation för att få tillhandahålla betaltjänster (artikel 11). Fysiska eller juridiska personer som endast tillhandahåller kontoinforma- tionstjänster ska dock undantas från detta krav (artiklarna 11.1 och 33.1). Däremot ska de fysiska eller juridiska personer som utnyttjar ett undan- tag registreras (artikel 14.1 första stycket b). Dessa aktörer är alltså enligt direktivet skyldiga att aktivt ansöka om undantag från tillståndsplikt. De ska vidare ha en ansvarsförsäkring för att kunna registreras. Enligt direk- tivet ska det dessutom i det register som förs av den behöriga myndig- heten föras in varje återkallande av undantag (artikel 14.3).</P>
<P class="p745 ft70">I betaltjänstlagen anges att en fysisk eller juridisk person får ansöka om att undantas från tillståndsplikt samt att sådant undantag ska beviljas om vissa villkor är uppfyllda (2 kap. 3 §). Av lagen följer vidare att Finans- inspektionen ska registrera dem som har beviljats undantag (2 kap. 4 §). De betaltjänstleverantörer som har undantagits från tillståndsplikt be- nämns registrerade betaltjänstleverantörer (1 kap. 4 §). Finansinspektionen ska föra register över bl.a. registrerade betaltjänstleverantörer och vilka betaltjänster de har rätt att tillhandahålla (8 kap. 5 §).</P>
<P class="p655 ft5">För att i svensk rätt genomföra reglerna i andra betaltjänstdirektivet om undantag från tillståndsplikt för leverantörer av kontoinformations- tjänster bör det i betaltjänstlagen anges att undantag från tillståndsplikt ska ges en fysisk eller juridisk person som endast tillhandahåller sådana tjänster. Vissa krav ska dock uppfyllas för att undantag från tillstånds- plikt ska beviljas. Vilka dessa krav är framgår nedan under rubriken ”Krav på ansökan och verksamheten”.</P>
<P class="p746 ft3">För att genomföra regeln i direktivet om att varje återkallelse av undan- tag ska föras in i Finansinspektionens register bör en motsvarande bestämmelse om detta tas in i betaltjänstlagen.</P>
<P class="p260 ft4">Krav på ansökan och verksamheten</P>
<P class="p747 ft5">Enligt andra betaltjänstdirektivet ska en ansökan om undantag från tillståndsplikt och registrering för att få tillhandahålla kontoinformations- tjänster innehålla en verksamhetsplan, affärsplan, beskrivning av styr- system och interna kontrollmekanismer, förfaranden för att hantera säkerhetsfrågor, beskrivning av rutiner för att hantera känsliga betal- ningsuppgifter, beskrivning av arrangemang för verksamhetens drift- kontinuitet, säkerhetspolicydokument, organisationsstruktur, identitets- uppgifter om personer i företagsledningen jämte bevis på att dessa per- soner har gott anseende och tillräcklig kunskap, uppgift om sökandens rättsliga ställning och bolagsordning samt adress till sökandens huvud- kontor (artiklarna 33.1 och 5.1 a, b, <NOBR>e–h,</NOBR> j, l, n, p och q).</P>
<P class="p748 ft40">I betaltjänstlagen anges vilka förutsättningar som ska vara uppfyllda för att Finansinspektionen ska bevilja undantag från tillståndsplikten (2 kap. 3 §). En förutsättning för undantag är bl.a. att företrädare för det ansökande företaget inte tidigare har gjort sig skyldiga till ekonomisk brottslighet, har tillräcklig insikt och erfarenhet för att delta i ledningen av företaget och i övrigt är lämpliga samt att det finns skäl att anta att den</P>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">171</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">172</P>
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<P class="p460 ft3">planerade verksamheten kommer att bedrivas i enlighet med gällande regelverk (2 kap. 3 § första stycket 2, 3 och 5).</P>
<P class="p213 ft6">Enligt betaltjänstförordningen får Finansinspektionen meddela före- skrifter om vilka uppgifter, utöver vad som framgår av lagen, en ansökan om undantag från tillstånd ska innehålla (5 § 9). Det innebär att Finans- inspektionen har rätt att föreskriva även vad en ansökan om undantag från tillstånd för att få driva verksamhet som leverantör av konto- informationstjänster ska innehålla.</P>
<P class="p214 ft64">Regeringen anser därför att det inte krävs någon lagstiftningsåtgärd för att genomföra andra betaltjänstdirektivets krav på vad en ansökan om undantag från tillståndsplikt ska innehålla. Däremot bör det i betaltjänst- lagen tas in en bestämmelse som syftar till att säkerställa att olämpliga personer inte innehar ledande befattningar i företag som tillhandahåller kontoinformationstjänster. De förutsättningar för att undantas från till- ståndsplikt som anges i betaltjänstlagen och som gäller företrädarnas lämp- lighet bör således även gälla leverantörer av kontoinformationstjänster.</P>
<P class="p270 ft4">Krav på ansvarsförsäkring</P>
<P class="p688 ft5">Av andra betaltjänstdirektivet följer vidare att ett villkor för registrering av ett företag som avser att tillhandahålla kontoinformationstjänster ska vara att företaget innehar en ansvarsförsäkring för de territorier där det tillhandahåller tjänster, eller annan jämförbar garanti mot skadestånds- ansvar gentemot den kontoförvaltande betaltjänstleverantören eller betal- tjänstanvändaren till följd av icke auktoriserat eller bedrägligt tillträde till eller icke auktoriserad eller bedräglig användning av betalkontoinforma- tion (artikel 5.3). Vidare ska Eba utfärda riktlinjer till de behöriga myndigheterna med kriterierna för att fastställa minimibelopp för den ansvarsförsäkring eller annan jämförbar garanti som företag som till- handahåller kontoinformationstjänster ska ha (artikel 5.4). Eba har utfärdat dessa riktlinjer (se Riktlinjer för kriterierna för att fastställa ett minimibelopp för den ansvarsförsäkring eller annan jämförbar garanti som avses i artikel 5.4 i direktiv [EU] 2015/2366 [EBA/GL/2017/08]).</P>
<P class="p530 ft5">Enligt regeringens uppfattning bör kravet i direktivet tolkas på så sätt att det innebär att samtliga betaltjänstleverantörer som endast tillhanda- håller kontoinformationstjänster ska ha en ansvarsförsäkring eller annan jämförbar garanti. I likhet med vad som föreslås i avsnitt 7.2.2 som förutsättning för tillstånd för leverantörer av betalningsinitieringstjänster bör det därför i betaltjänstlagen tas in bestämmelser om att detta dels är ett krav för undantag från tillståndsplikt när det gäller en leverantör av kontoinformationstjänster, dels är ett krav för tillstånd för en betaltjänst- leverantör som endast tillhandahåller kontoinformationstjänster men som trots det väljer att ansöka om tillstånd i stället för om undantag från tillståndsplikt.</P>
<P class="p530 ft3">När det gäller betaltjänstleverantörer som utöver kontoinformations- tjänster även tillhandahåller andra betaltjänster och därför behöver till- stånd enligt betaltjänstlagen bör dessa inte omfattas av kravet på ansvarsförsäkring (såvida inte de tillhandahåller betalningsinitierings- tjänster, se avsnitt 7.2.2). I dessa fall gäller kraven i betaltjänstlagen på startkapital och kapitalbas som bör minska behovet av en ansvars- försäkring eller annan jämförbar garanti (3 kap. 1 och 2 §§).</P>
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<P class="p565 ft3">Regeln i direktivet om ansvarsförsäkring för leverantörer av konto- Prop. 2017/18:77 informationstjänster (artikel 5.3) är något annorlunda utformad än den</P>
<P class="p566 ft64">som avser leverantörer av betalningsinitieringstjänster (artikel 5.2). Regeringen anser dock att motsvarande bestämmelser i betaltjänstlagen bör utformas enhetligt för såväl leverantörer av kontoinformationstjänster som leverantörer av betalningsinitieringstjänster. I bestämmelsen bör det därför anges att undantag från tillståndsplikt får ges endast om företaget i fråga har en ansvarsförsäkring som täcker det område inom vilket före- taget driver sin verksamhet eller en jämförbar garanti som täcker den skadeståndsskyldighet som kan uppkomma till följd av verksamheten. <SPAN class="ft63">Svenska Bankföreningen </SPAN>efterfrågar en vägledning om hur banker och andra kontoförvaltande betaltjänstleverantörer ska kunna ta del av ansvarsförsäkringen. Enligt förslaget får den som tillhandahåller konto- informationstjänster undantas från tillståndsplikt och registreras av Finansinspektionen endast om företaget har en ansvarsförsäkring. Att en sådan försäkring finns och att den är fullgod ska granskas av Finans- inspektionen. Det finns inte anledning att i betaltjänstlagen reglera hur en sådan ansvarsförsäkring tas i anspråk (jfr avsnitt 7.2.2).</P>
<P class="p749 ft110"><SPAN class="ft42">7.3.2</SPAN><SPAN class="ft125">Undantag från vissa krav i direktivet</SPAN></P>
<P class="p750 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Leverantörer av kontoinformationstjänster ska inte omfattas av kraven i betaltjänstlagen om ägarprövning, startkapital och kapitalkrav, bevarande av uppgifter samt revision och redovisning. De ska inte heller omfattas av skyldigheten dels att anmäla ombud för tillhandahållande av betaltjänster, dels att anmäla att man uppdragit åt någon annan att utföra ett visst arbete eller vissa operativa funktioner som ingår i dess verksamhet med betaltjänster. Dessa leverantörer behöver inte heller säkerställa att ombud som agerar för deras räkning eller etablerade filialer genom vilka verksamheten drivs informerar betaltjänstanvändarna om detta förhållande.</P>
<P class="p751 ft3">Leverantörer av kontoinformationstjänster ska inte omfattas av bestämmelserna i lagen om åtgärder mot penningtvätt och finansiering av terrorism.</P>
<P class="p752 ft3">Leverantörer av kontoinformationstjänster ska dock omfattas av kraven på huvudkontor och hemvist i Sverige. De ska även omfattas av bestämmelserna om hantering av klagomål och om sanktioner i betaltjänstlagen och av befintliga förfaranden för alternativ tvist- lösning.</P>
<P class="p369 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att enligt utredningens förslag ska leverantörer av kontoinformationstjänster vara undantagna från kraven på huvudkontor och hemvist i Sverige.</P>
<P class="p57 ft70"><SPAN class="ft126">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft81">Förvaltningsrätten i Stockholm </SPAN>anser att det närmare bör utredas om det är förenligt med direktivet och dess ända- mål att i den svenska lagstiftningen låta leverantörer av kontoinfor- mationstjänster omfattas av bestämmelserna i betaltjänstlagen om klago-</P>
<P class="p54 ft113">målsförfaranden, förfaranden för alternativ tvistlösning och sanktioner.</P>
<P class="p160 ft3">173</P>
</DIV>
<DIV id="page_174">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">174</P>
</DIV>
<DIV id="id_2">
<P class="p314 ft5"><SPAN class="ft41">Finansinspektionen </SPAN>anser att förslaget om undantag från kravet på huvudkontor och hemvist i Sverige medför att inspektionens möjligheter att utöva tillsyn över personer utan hemvist eller huvudkontor i Sverige som endast tillhandahåller kontoinformationstjänster blir starkt be- gränsad och att det därför finns en risk att leverantörer av kontoinforma- tionstjänster väljer att ansöka om undantag från tillståndsplikt i den medlemsstat där kraven på företaget är lägst och tillsynsmyndigheternas tillsyn är begränsad.</P>
<P class="p753 ft42">Skälen för regeringens förslag</P>
<P class="p672 ft4">Inledning</P>
<P class="p754 ft5">Enligt andra betaltjänstdirektivet ska fysiska eller juridiska personer som endast tillhandahåller kontoinformationstjänster undantas från tillämp- ningen av ett flertal av de förfaranden och villkor som anges i avdel- ningarna I och II i direktivet och som bl.a. rör förfaranden och villkor för tillståndsgivning (artikel 33.1). De regler som är tillämpliga för dessa aktörer rör krav på ansökan (artikel 5.1 a, b, <NOBR>e–h,</NOBR> j, l, n, p och q samt 5.3) och berörda myndigheters registerföring (artiklarna 14 och 15). Leveran- törer av kontoinformationstjänster ska vidare omfattas av behöriga myndigheters tillsyn (artiklarna <NOBR>22–31),</NOBR> utom regeln om behöriga myndigheters rätt att se till att betalningsinstitut har tillräckligt kapital för att kunna genomföra betaltjänster (artikel 23.3).</P>
<P class="p316 ft4">Undantag från krav på startkapital m.m.</P>
<P class="p755 ft6">Leverantörer av kontoinformationstjänster omfattas inte av reglerna i andra betaltjänstdirektivet om kontroll av aktieinnehav, startkapital, kapitalbas och skydd av betaltjänstanvändares medel (artiklarna <NOBR>6–10).</NOBR> Vidare är leverantörer av kontoinformationstjänster undantagna från reglerna om redovisning och revision (artikel 17) samt från regler om bevarande av uppgifter (artikel 21).</P>
<P class="p628 ft64">Enligt gällande rätt omfattas inte registrerade betaltjänstleverantörer av bestämmelserna i betaltjänstlagen om ägarprövning (2 kap. 8 §), start- kapital och kapitalkrav (3 kap. <NOBR>1–4</NOBR> §§), bevarande av uppgifter (3 kap. 8 §) samt revision och redovisning (3 kap. 9 och 10 §§). Dessa bestäm- melser gäller endast för betalningsinstitut. Registrerade betaltjänstleveran- törer omfattas inte av definitionen av betalningsinstitut. I avsnitt 7.3.1 föreslås att leverantörer som endast tillhandahåller kontoinformationstjänster ska vara registrerade betaltjänstleverantörer. Leverantörer av konto- informationstjänster kommer därmed inte att omfattas av ovan nämnda bestämmelser om kapitalkrav m.m.</P>
<P class="p756 ft4">Krav på hemvist och säte</P>
<P class="p757 ft3">Enligt andra betaltjänstdirektivet är leverantörer av kontoinformations- tjänster undantagna från kravet på att ett betalningsinstitut ska ha sitt huvudkontor i den medlemsstat där det har sitt säte (artiklarna 11.3 och 33.1).</P>
<P class="p463 ft59">Av betaltjänstlagen följer att ett betalningsinstitut eller en registrerad betaltjänstleverantör som är en juridisk person ska ha sitt huvudkontor i Sverige (3 kap. 11 §). Enligt utredningen bör leverantörer av konto-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_175">
<DIV>
<DIV id="id_1">
<P class="p758 ft3">informationstjänster mot bakgrund av det ovan nämnda undantaget i direktivet (artikel 33.1) undantas från detta krav i betaltjänstlagen.</P>
<P class="p514 ft6"><SPAN class="ft4">Finansinspektionen </SPAN>påpekar att möjligheten att utöva tillsyn över per- soner som inte har hemvist eller huvudkontor i Sverige är starkt begrän- sad och anser att det finns en risk att leverantörer av kontoinforma- tionstjänster väljer att ansöka om undantag från tillståndsplikt i den medlemsstat där kraven på företaget är lägst och tillsynsmyndigheternas tillsyn begränsad.</P>
<P class="p514 ft6">Som framgår i avsnitt 7.3.1 har leverantörer av kontoinformations- tjänster enligt direktivet möjlighet att få undantag från tillståndsplikt (se artiklarna 11.1 och 33.1). Detta förutsätter att leverantören lämnar in en ansökan om detta till de behöriga myndigheterna i hemmedlemsstaten (artiklarna 5.1 och 33.1). Vidare ska de fysiska eller juridiska personer som utnyttjar ett undantag registreras i sin hemmedlemsstat (artikel 14.1 första stycket b).</P>
<P class="p759 ft64">I andra betaltjänstdirektivet definieras ”hemmedlemsstat” som den medlemsstat där betaltjänstleverantörens säte är beläget, eller om betal- tjänstleverantören enligt nationell rätt saknar säte, den medlemsstat där dess huvudkontor är beläget (artikel 4.1). En registrerad betaltjänst- leverantör måste alltså ha antingen sitt huvudkontor eller sin hemvist i Sverige för att kunna ansöka om undantag från tillståndsplikten och registreras av Finansinspektionen. Mot den bakgrunden finner regeringen att det inte kan anses vara förenligt med direktivets syfte att undanta leverantörer av kontoinformationstjänster från hemvistkravet. Reger- ingen anser därför, till skillnad från utredningen, att dessa leverantörer inte bör undantas från kraven i betaltjänstlagen på huvudkontor och hem- vist i Sverige. Finansinspektionen bör således kunna bevilja undantag från tillståndsplikten endast för en leverantör av kontoinformations- tjänster som har sitt huvudkontor i Sverige. En leverantör av konto- informationstjänster som har beviljats undantag från tillståndsplikten i ett annat land inom EES kommer dock att kunna driva verksamhet även i Sverige enligt förslaget i avsnitt 7.3.3.</P>
<P class="p760 ft4">Undantag från krav vid användande av ombud eller uppdragsavtal</P>
<P class="p761 ft3">Enligt andra betaltjänstdirektivet är leverantörer av kontoinformations- tjänster undantagna från reglerna i direktivet om tillhandahållande av betaltjänster genom ombud, filial eller utkontraktering (artiklarna 19 och 20).</P>
<P class="p611 ft64">I betaltjänstlagen regleras tillhandahållande av betaltjänster via ombud för betalningsinstitut och registrerade betaltjänstleverantörer (3 kap. 17 och 24 §§). Dessa aktörer ska, om de vill tillhandahålla betaltjänster via ombud, anmäla ombudet för registrering hos Finansinspektionen, som ska registrera anmälan om den uppfyller vissa angivna krav (3 kap. 17 §). Ombud ska även informera betaltjänstanvändaren om att ombudet agerar för annans räkning (3 kap. 24 §). Av betaltjänstlagen följer att ett betal- ningsinstitut eller en registrerad betaltjänstleverantör får uppdra åt någon annan att utföra visst arbete eller vissa operativa funktioner som ingår i dess verksamhet med betaltjänster och att sådana uppdragsavtal ska anmälas till Finansinspektionen (3 kap. 28 §).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">175</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_176">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">176</P>
</DIV>
<DIV id="id_2">
<P class="p762 ft3">Undantagen i andra betaltjänstdirektivet bör genomföras i svensk rätt genom att motsvarande undantag för leverantörer av kontoinformations- tjänster tas in i betaltjänstlagen.</P>
<P class="p763 ft4">Undantag från skyldighet att medverka till att förhindra penningtvätt och finansiering av terrorism</P>
<P class="p764 ft6">Enligt andra betaltjänstdirektivet är leverantörer av kontoinformations- tjänster undantagna från kravet på att vid ansökan om undantag från tillståndsplikt lämna en beskrivning av de mekanismer för intern kontroll som sökanden har infört för att uppfylla sina skyldigheter att medverka till att förhindra penningtvätt och finansiering av terrorism (artik- larna 5.1 k och 33.1).</P>
<P class="p765 ft6">Leverantörer av kontoinformationstjänster genomför inte betalnings- transaktioner, utan hämtar endast information som finns på betalkonton. Det finns därför ingen risk för att dessa leverantörers verksamhet utnytt- jas för penningtvätt eller finansiering av terrorism. Det ovan nämnda undantaget i direktivet måste därför tolkas som att dessa aktörer inte ska omfattas av regelverk för att förhindra penningtvätt och finansiering av terrorism.</P>
<P class="p605 ft5">Lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism (i det följande benämnd penningtvättslagen) gäller för fysiska och juridiska personer som driver verksamhet med att tillhandahålla betaltjänster enligt betaltjänstlagen. Lagen gäller även de som tillhanda- håller betaltjänster utan att vara betalningsinstitut (1 kap. 2 § första stycket 9). I betaltjänstlagen finns en upplysning om att bestämmelser om skyldighet för betaltjänstleverantörer att medverka till att förhindra penningtvätt och finansiering av terrorism finns i penningtvättslagen (3 kap. 13 § betaltjänstlagen). Undantagen i andra betaltjänstdirektivet bör genomföras i svensk rätt genom att den som bara tillhandahåller konto- informationstjänster undantas från penningtvättslagen. Upplysnings- bestämmelsen i betaltjänstlagen bör ändras på motsvarande sätt.</P>
<P class="p766 ft50">Bestämmelser om sanktioner samt förfaranden för klagomål och alternativ tvistlösning</P>
<P class="p53 ft5">Enligt andra betaltjänstdirektivet ska leverantörer av kontoinformations- tjänster undantas även från avdelningarna III och IV i direktivet, förutom vissa angivna regler (artikel 33.2). Uppräkningen innebär att dessa före- tag inte omfattas av reglerna om klagomålsförfaranden samt förfaranden för alternativ tvistlösning och sanktioner (artiklarna <NOBR>99–103).</NOBR> Utredningen föreslår dock att leverantörer av kontoinformationstjänster ska omfattas av nämnda regler.</P>
<P class="p632 ft40"><SPAN class="ft39">Förvaltningsrätten i Stockholm </SPAN>anför att det bör utredas närmare om det är förenligt med direktivet och dess ändamål att låta leverantörer av kontoinformationstjänster omfattas av de aktuella bestämmelserna.</P>
<P class="p208 ft64">Regeringen konstaterar att de nu aktuella reglerna i direktivet (artik- larna <NOBR>99–103)</NOBR> syftar till att reglera vad de behöriga myndigheterna ska tillhandahålla eller vilka befogenheter dessa ska ha, dvs. det föreskrivs inte några skyldigheter för betaltjänstleverantörer. Frågan är därför om syftet med regleringen i direktivet verkligen är att bestämmelser i nationell rätt som genomför dessa regler inte ska gälla för leverantörer av</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_177">
<DIV id="dimg1">
<INGENBILD zsrc="H50377177x1.jpg/" id="img1">
</DIV>
<P class="p476 ft3">kontoinformationstjänster. Regeringen konstaterar att leverantörer av Prop. 2017/18:77 kontoinformationstjänster visserligen inte medverkar vid betalnings-</P>
<P class="p477 ft64">transaktioner, vilket är skälet till att de undantagits från stora delar av direktivet. I sin verksamhet hanterar de dock bl.a. betaltjänstanvändares personliga behörighetsfunktioner som är kopplade till ett betalkonto. Det är därför av vikt att det finns effektiva sanktionsmöjligheter även mot dessa leverantörer, om de skulle överträda bestämmelser som genomför direktivet. Vidare är leverantörer av kontoinformationstjänster inte undantagna från direktivets reglering när det gäller tillsynsfrågor i övrigt (artiklarna <NOBR>22–31).</NOBR> Regeringen anser att det inte skulle vara rimligt om användare av kontoinformationstjänster inte skulle ha tillgång till klagomålsförfaranden och förfaranden för alternativ tvistlösning. Vidare kan det inte vara förenligt med direktivets syfte att leverantörer av konto- informationstjänster skulle vara undantagna från nationella bestämmelser om tillsynsmyndigheternas möjlighet att besluta om sanktioner (artikel 103, jfr 8 kap. betaltjänstlagen). Mot den bakgrunden finner regeringen att leverantörer av kontoinformationstjänster bör omfattas av samtliga tillämpliga bestämmelser om klagomålsförfaranden samt förfaranden för alternativ tvistlösning och sanktioner (se avsnitt 12). Det bör således inte införas några undantag för leverantörer av kontoinforma- tionstjänster när det gäller dessa bestämmelser i betaltjänstlagen eller andra lagar. De bör därmed även omfattas av det krav på att ha lämpliga och effektiva förfaranden för hantering av klagomål från betaltjänst- användare som föreslås i avsnitt 12.1.</P>
<P class="p767 ft112"><SPAN class="ft42">7.3.3</SPAN><SPAN class="ft111">Rätt att tillhandahålla närliggande tjänster och tillhandahålla kontoinformationstjänster i andra länder</SPAN></P>
<P class="p768 ft6"><SPAN class="ft80">Regeringens förslag: </SPAN>Svenska leverantörer av kontoinformations- tjänster som undantagits från tillståndsplikt ska ha rätt att tillhanda- hålla kontoinformationstjänster i andra länder efter att ha underrättat Finansinspektionen om detta. Om verksamheten drivs genom anlitande av ombud eller etablering av en filial, ska det förfarande som gäller betalningsinstitut tillämpas.</P>
<P class="p769 ft5">Utländska betaltjänstleverantörer som hör hemma inom EES och som i hemlandet undantagits från tillståndsplikt ska inte behöva till- stånd av Finansinspektionen för att tillhandahålla kontoinformations- tjänster i Sverige. Finansinspektionen ska ha möjlighet att genomföra platsundersökningar hos en sådan utländsk betaltjänstleverantör.</P>
<P class="p770 ft3"><SPAN class="ft42">Regeringens bedömning: </SPAN>Leverantörer av kontoinformations- tjänster bör få tillhandahålla närliggande tjänster och driva annan verksamhet. Det behöver inte införas någon uttrycklig bestämmelse i betaltjänstlagen om denna rätt.</P>
<TABLE cellpadding=0 cellspacing=0 class="t78">
<TR>
<TD class="tr22 td298"><P class="p661 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer inte med regeringens förslag</P></TD>
<TD class="tr22 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">och bedömning. Enligt utredningens förslag ska leverantörer av konto-</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">informationstjänster som undantagits från tillståndsplikt inte ha rätt att</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">tillhandahålla närliggande tjänster och driva verksamhet i andra länder.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p661 ft5">Utredningen föreslår inte något undantag från tillståndsplikt för att till-</P></TD>
<TD rowspan=2 class="tr1 td78"><P class="p17 ft3">177</P></TD>
</TR>
<TR>
<TD class="tr14 td298"><P class="p3 ft18"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_178">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">178</P>
</DIV>
<DIV id="id_2">
<P class="p314 ft64">handahålla kontoinformationstjänster i Sverige för utländska betaltjänst- leverantörer som hör hemma inom EES och som i hemlandet undantagits från tillståndsplikt, och därmed inte heller någon rätt för Finans- inspektionen att genomföra platsundersökningar hos sådana företag.</P>
<P class="p463 ft3"><SPAN class="ft42">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft4">Finansinspektionen </SPAN>instämmer inte i utred- ningens slutsats att leverantörer av kontoinformationstjänster enligt direktivet inte ska ha rätt att tillhandahålla närliggande tjänster och driva verksamhet i andra länder. Finansinspektionen anser att leverantörer av kontoinformationstjänster ska ha dessa rättigheter och att det inte ska vara möjligt att förbjuda leverantörer av kontoinformationstjänster att driva närliggande verksamhet.</P>
<P class="p771 ft42">Skälen för regeringens förslag och bedömning</P>
<P class="p45 ft4">Rätt att tillhandahålla närliggande tjänster och driva annan verksamhet</P>
<P class="p772 ft70">Enligt betaltjänstlagen har betalningsinstitut och registrerade betaltjänst- leverantörer rätt att tillhandahålla närliggande tjänster och driva annan verksamhet (3 kap. 5 § första stycket). Finansinspektionen får dock förbjuda ett betalningsinstitut eller en registrerad betaltjänstleverantör att driva annan verksamhet om verksamheten försämrar eller kan komma att försämra betalningsinstitutets eller den registrerade betaltjänstleverantörens finansiella sundhet eller Finansinspektionens möjligheter att utöva tillsyn över institutet eller leverantören (3 kap. 5 § andra stycket).</P>
<P class="p214 ft40">Enligt andra betaltjänstdirektivet ska de regler som behandlar rätten att tillhandahålla närliggande tjänster och driva annan verksamhet (artikel 18) inte tillämpas på leverantörer av kontoinformationstjänster (artikel 33.1). Utredningen föreslår därför att dessa leverantörer ska undantas från rätten att driva sådan verksamhet.</P>
<P class="p463 ft6"><SPAN class="ft4">Finansinspektionen </SPAN>anser att syftet med att undanta leverantörer av kontoinformationstjänster från de aktuella reglerna i direktivet inte kan vara att dessa leverantörer ska förbjudas att driva annan verksamhet. I stället måste syftet vara att dessa leverantörer ska undantas från de krav som ställs på betalningsinstitut – avseende exempelvis kreditgivning och inlåning om annan verksamhet drivs – som framgår av reglerna i fråga (artikel <NOBR>18.2–18.5).</NOBR> Finansinspektionen anser därför att det inte bör vara möjligt att förbjuda leverantörer av kontoinformationstjänster att driva annan verksamhet.</P>
<P class="p214 ft64">Som Finansinspektionen påpekar måste de krav som gäller närliggande verksamhet i andra betaltjänstdirektivet anses syfta till att skydda verksamhet med betalningstransaktioner från annan verksamhet som kan vara riskfylld för transaktionsverksamheten. En leverantör av kontoinfor- mationstjänster genomför inte betalningstransaktioner. Regeringen anser därför, i likhet med Finansinspektionen och till skillnad från utredningen, att sådana betaltjänstleverantörer inte bör undantas från möjligheten i betaltjänstlagen att tillhandahålla närliggande tjänster och driva annan verksamhet (3 kap. 5 § första stycket). En rätt även för leverantörer av kontoinformationstjänster att driva annan eller närliggande verksamhet kräver inte någon lagstiftningsåtgärd. Som nämns ovan får Finans- inspektionen i ett enskilt fall förbjuda en betaltjänstleverantör att driva annan verksamhet bl.a. om verksamheten försämrar Finansinspektionens</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_179">
<DIV>
<DIV id="id_1">
<P class="p758 ft3">möjligheter att utöva tillsyn över leverantören (3 kap. 5 § andra stycket). Detta kommer att gälla även beträffande sådana betaltjänstleverantörer som tillhandahåller kontoinformationstjänster.</P>
<P class="p260 ft4">Rätt att driva verksamhet i andra länder</P>
<P class="p744 ft5">Enligt andra betaltjänstdirektivet gäller ett tillstånd att driva verksamhet som betalningsinstitut i alla medlemsstater och tillståndet gör det möjligt att tillhandahålla betaltjänster som omfattas av tillståndet i hela unionen med stöd av friheten att tillhandahålla tjänster och etableringsfriheten (artikel 11.9). Enligt direktivet är dock leverantörer av kontoinforma- tionstjänster undantagna från den regeln (artikel 33.1).</P>
<P class="p773 ft6">Utredningen föreslår mot den bakgrunden att leverantörer av konto- informationstjänster som undantagits från tillståndsplikt inte ska ha rätt att driva gränsöverskridande verksamhet. <SPAN class="ft4">Finansinspektionen </SPAN>invänder mot utredningens förslag och hävdar, med hänvisning till andra regler i direktivet, att leverantörer av kontoinformationstjänster ska ha rätt att tillhandahålla tjänster i andra medlemsstater.</P>
<P class="p655 ft64">Enligt andra betaltjänstdirektivet ska leverantörer av kontoinforma- tionstjänster behandlas som betalningsinstitut, förutom att reglerna i avdelningarna III och IV i direktivet inte ska tillämpas på dem, med undantag för vissa särskilt angivna artiklar som rör informationsgivning och genomförande av betalningstransaktioner (artikel 33.2). Betalnings- institut är personer som har tillstånd att tillhandahålla och genomföra betaltjänster inom unionen (artikel 4.4), och har således rätt att tillhanda- hålla tjänster i andra länder. Vidare framgår av direktivet att bl.a. reglerna som rör ansökan och tillsyn över de leverantörer som tillhanda- håller sina tjänster med stöd av etableringsfriheten och friheten att tillhandahålla tjänster (artiklarna 28 och 29) ska gälla för leverantörer av kontoinformationstjänster (artikel 33.1). Slutligen anges i skälen till direktivet att dessa aktörer bör kunna tillhandahålla gränsöverskridande tjänster inom ramen för passförfarandet (skäl 48). Regeringen finner mot den bakgrunden, i likhet med Finansinspektionen, att leverantörer av kontoinformationstjänster bör ha rätt att driva verksamhet i andra länder.</P>
<P class="p759 ft5">Enligt betaltjänstlagen ska ett betalningsinstitut som vill tillhandahålla betaltjänster i ett annat land inom EES via ombud, filial eller direkt från Sverige underrätta Finansinspektionen om detta (3 kap. 18, 19 och 21 §§). Vidare får betalningsinstitut efter tillstånd av Finansinspektionen inrätta en filial i ett land utanför EES (3 kap. 23 §). De berörda bestäm- melserna bör därför ändras så att även leverantörer av kontoinformations- tjänster omfattas av dem, om de har undantagits från tillståndsplikt. Detta bör också gälla möjligheten att efter anmälan till Finansinspektionen inrätta en filial utanför EES, även om denna rätt inte regleras i andra betaltjänstdirektivet.</P>
<P class="p774 ft64">På motsvarande sätt som svenska betaltjänstleverantörer som är undan- tagna från tillståndsplikt enligt betaltjänstlagen får tillhanda konto- informationstjänster i andra länder inom EES bör utländska betaltjänst- leverantörer som hör hemma inom EES och som i sitt hemland är undan- tagna från tillståndsplikt få tillhandahålla sådana tjänster i Sverige utan tillstånd. Det bör därför införas ett undantag från tillståndsplikt enligt betaltjänstlagen för sådana utländska betaltjänstleverantörer. Finans-</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">179</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_180">
<P class="p775 ft76">Prop. 2017/18:77 inspektionen bör då också ha möjlighet att genomföra platsundersök- ningar hos dessa utländska företag enligt den lagen (8 kap. 3 §).</P>
<TABLE cellpadding=0 cellspacing=0 class="t90">
<TR>
<TD class="tr51 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr51 td153"><P class="p169 ft42">7.3.4</P></TD>
<TD class="tr51 td283"><P class="p3 ft110">Informationskrav vid utförandet av enstaka</P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p3 ft110">tjänster</P></TD>
</TR>
<TR>
<TD class="tr42 td134"><P class="p3 ft114"> </P></TD>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Innan ett avtal om en enstaka leverans av en</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">kontoinformationstjänst ingås, ska en leverantör av kontoinformations-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft7">tjänster informera betaltjänstanvändaren om vilka uppgifter användaren</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">ska lämna för att kontoinformationstjänsten ska kunna utföras korrekt,</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">hur lång tid det längst tar att utföra tjänsten och det sammanlagda</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">avgiftsbelopp som användaren ska betala till leverantören för tjänsten.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p297 ft5">Leverantören ska också ge betaltjänstanvändaren detaljerad infor-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">mation om avgiftsbeloppet när de olika avgifterna lätt kan särskiljas</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">och redovisas separat.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p297 ft6">Leverantören ska också göra samma information tillgänglig för</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">användaren som inför det att ett ramavtal ingås.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p297 ft5">Informationen ska tillhandahållas på ett lättillgängligt sätt och vara</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">tydlig och lätt att förstå. Den ska vara på svenska eller på något annat</P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td289"><P class="p41 ft3">språk som parterna kommer överens om.</P></TD>
</TR>
<TR>
<TD class="tr47 td288"><P class="p3 ft130"> </P></TD>
<TD colspan=2 class="tr46 td295"><P class="p3 ft8"> </P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td93"><P class="p297 ft7"><SPAN class="ft115">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">Utredningens förslag avviker från regeringens förslag genom at</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">utredningens förslag innebär att leverantörer av kontoinformations-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">tjänster inte omfattas av de bestämmelser i betaltjänstlagen som reglerar</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">formerna för informationsgivning.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p297 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr20 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td153"><P class="p3 ft3">det.</P></TD>
<TD class="tr20 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr45 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr45 td93"><P class="p3 ft42">Skälen för regeringens förslag</P></TD>
</TR>
<TR>
<TD class="tr24 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr24 td93"><P class="p3 ft4">Den information som ska lämnas</P></TD>
</TR>
<TR>
<TD class="tr24 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr24 td93"><P class="p3 ft5">Enligt andra betaltjänstdirektivet ska en betaltjänstleverantör lämna en</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">specifikation av den information eller unika identifikationskod som</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">betaltjänstanvändaren ska ange för att en betalningsorder ska initieras</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">eller genomföras korrekt, information om hur lång tid det maximalt tar</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">att genomföra den betaltjänst som ska tillhandahållas, information om</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">alla avgifter som betaltjänstanvändaren ska betala till betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">tören och, i tillämpliga fall, information om den faktiska växelkurs eller</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">referensväxelkurs som ska gälla för betalningstransaktionen samt den</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">information som ska lämnas inför det att ett ramavtal ingås (artikel 45.1).</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">En motsvarande regel finns i första betaltjänstdirektivet (artikel 37.1).</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">Det nya i andra betaltjänstdirektivet är att även leverantörer av konto-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">informationstjänster omfattas av reglerna (artikel 33.2).</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p297 ft5">Regeln i första betaltjänstdirektivet har i svensk rätt genomförts i en</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">bestämmelse i betaltjänstlagen, där det anges vilka informationskrav som</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">ställs på en betaltjänstleverantör vid enstaka betalningstransaktioner (4 kap.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">4 §). De tjänster som leverantörer av kontoinformationstjänster tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">håller avser dock uteslutande informationslämning, dvs. de hanterar inte</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr39 td134"><P class="p512 ft7">180</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft7">betaltjänstanvändarens medel eller bistår vid betalningstransaktioner. För</P></TD>
</TR>
<TR>
<TD class="tr44 td153"><P class="p3 ft16"> </P></TD>
<TD class="tr44 td283"><P class="p3 ft16"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_181">
<P class="p490 ft3">att genomföra reglerna i andra betaltjänstdirektivet om informationskrav Prop. 2017/18:77 för leverantörer av kontoinformationstjänster bör kraven i betaltjänst-</P>
<P class="p566 ft40">lagen anpassas för just dessa tjänster. Det bör därför tas in en särskild bestämmelse i betaltjänstlagen som anger vilka informationskrav som gäller för leverantörer av kontoinformationstjänster vid utförandet av enstaka kontoinformationstjänster.</P>
<P class="p776 ft4">Hur informationen ska lämnas</P>
<P class="p494 ft5">I andra betaltjänstdirektivet finns regler om i vilken form information ska lämnas i samband med att ett avtal om en enstaka betaltjänst ingås (artikel 44.1). Motsvarande regler finns i första betaltjänstdirektivet (artikel 36.1) och de har genomförts i svensk rätt i en motsvarande bestämmelse i betaltjänstlagen (4 kap. 5 §). Enligt den bestämmelsen ska informationen tillhandahållas på ett lättillgängligt sätt och vara tydlig och lätt att förstå. Den ska vara på svenska språket eller på något annat språk som parterna har kommit överens om. På begäran av betaltjänst- användaren ska informationen tillhandahållas på papper eller något annat varaktigt medium.</P>
<P class="p11 ft3">Leverantörer av kontoinformationstjänster omfattas emellertid inte av den ovan nämnda regeln i andra betaltjänstdirektivet (artikel 33.2). Utredningen föreslår mot den bakgrunden att leverantörer av konto- informationstjänster inte ska omfattas av bestämmelsen i betaltjänstlagen om hur information ska lämnas.</P>
<P class="p57 ft5">Av skälen till direktivet framgår emellertid inte att leverantörer av kontoinformationstjänster ska behandlas annorlunda när det gäller vilken information de ska lämna till betaltjänstanvändarna (se främst skälen 54 och 59). Enligt regeringens uppfattning vore det också märkligt om leverantörer av kontoinformationstjänster inte skulle ha en skyldighet att lämna information på ett lättillgängligt sätt samt att informationen ska vara tydlig och lätt att förstå. Det vore vidare märkligt om leverantörer av kontoinformationstjänster inte skulle ha en skyldighet att lämna den aktuella informationen på svenska eller något annat språk som parterna har kommit överens om samt att den på begäran ska lämnas på papper eller något varaktigt medium. Det kan i sammanhanget påpekas att definitionen av ”varaktigt medium” i direktivet innebär att informationen kan lämnas i ett elektroniskt dokument som kan göras tillgängligt via t.ex. <NOBR>e-post</NOBR> (artikel 4.35). Att regeln om hur informationen ska lämnas inte pekas ut som uttryckligen tillämplig när det gäller kontoinfor- mationstjänster kan därför enligt regeringens mening inte tas till intäkt för att sådana krav inte får ställas på en leverantör av kontoinformations- tjänster. Regeringen anser därför, till skillnad från utredningen, att de nu aktuella kraven i betaltjänstlagen bör gälla även för leverantörer av kontoinformationstjänster.</P>
<P class="p777 ft3">181</P>
</DIV>
<DIV id="page_182">
<DIV id="dimg1">
<INGENBILD zsrc="H50377182x1.jpg/" id="img1">
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<TABLE cellpadding=0 cellspacing=0 class="t91">
<TR>
<TD class="tr19 td214"><P class="p3 ft3">Prop. 2017/18:77 <SPAN class="ft110">7.3.5</SPAN></P></TD>
<TD class="tr19 td225"><P class="p3 ft42">Informationskrav vid ramavtal</P></TD>
</TR>
</TABLE>
<P class="p778 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>En leverantör av kontoinformationstjänster ska i rimlig tid innan ett ramavtal ingås ge betaltjänstanvändaren uppgifter om</P>
<P class="p699 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">namn och adress,</SPAN></P>
<P class="p699 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">vilka tillstånd som innehas,</SPAN></P>
<P class="p564 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">en beskrivning av det huvudsakliga innehållet i den betaltjänst som tillhandahålls,</SPAN></P>
<P class="p564 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">vilka uppgifter som användaren ska uppge för att tjänsten ska kunna utföras korrekt,</SPAN></P>
<P class="p699 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">hur lång tid det som längst tar att genomföra tjänsten,</SPAN></P>
<P class="p699 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">vilka avgifter som användaren ska betala till leverantören,</SPAN></P>
<P class="p564 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">de kommunikationsmedel som ska användas för överföring av in- formation och underrättelser mellan parterna, inklusive tekniska krav på användarens utrustning,</SPAN></P>
<P class="p601 ft5"><SPAN class="ft3">–</SPAN><SPAN class="ft147">hur ofta och på vilket sätt som information enligt betaltjänstlagen ska lämnas till eller göras tillgänglig för användaren,</SPAN></P>
<P class="p601 ft5"><SPAN class="ft3">–</SPAN><SPAN class="ft147">vilket språk som ska användas i ramavtalet samt på vilket språk kommunikationen mellan leverantören och användaren ska ske,</SPAN></P>
<P class="p699 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">användarens rätt att få ramavtalets villkor samt information,</SPAN></P>
<P class="p699 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">avtalets löptid,</SPAN></P>
<P class="p699 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">uppsägningstider och avgifter för uppsägning,</SPAN></P>
<P class="p601 ft5"><SPAN class="ft3">–</SPAN><SPAN class="ft147">eventuella avtalsbestämmelser om vilket lands lag som ska tilläm- pas för ramavtalet och om vilken domstol som är behörig, samt</SPAN></P>
<P class="p564 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">vilka förfaranden för klagomål och prövning utanför domstol som finns för användaren.</SPAN></P>
<P class="p601 ft40">Om ramavtalet avser tillhandahållande av kontoinformations- tjänster, ska betaltjänstanvändaren ha rätt att på begäran få avtals- villkoren för avtalet samt den information som ska ges i samband därmed i en handling eller i någon annan läsbar och varaktig form.</P>
<P class="p779 ft6"><SPAN class="ft80">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att utredningen föreslår att leverantörer av kontoinformationstjänster inte ska omfattas av de bestämmelser i betaltjänstlagen som reglerar formerna för informationsgivning.</P>
<P class="p779 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p780 ft42">Skälen för regeringens förslag</P>
<P class="p781 ft4">Den information som ska lämnas</P>
<P class="p782 ft40">I andra betaltjänstdirektivet finns regler om vilken information som en betaltjänstleverantör ska lämna till betaltjänstanvändaren innan ett ram- avtal avseende betaltjänsten sluts (artikel 52). Leverantörer av konto- informationstjänster omfattas av dessa informationskrav (artikel 33.2).</P>
<P class="p486 ft40">Regler om informationskrav inför slutandet av ett ramavtal finns även i första betaltjänstdirektivet (artikel 42). Två nya krav har tillkommit i andra betaltjänstdirektivet och dessa behandlas i avsnitt 14.11.1.</P>
<P class="p783 ft3">182</P>
</DIV>
<DIV id="page_183">
<DIV>
<DIV id="id_1">
<P class="p514 ft6">Regeln i första betaltjänstdirektivet har i svensk rätt genomförts i bestämmelser i betaltjänstlagen (4 kap. 10 §). För att genomföra andra betaltjänstdirektivet bör bestämmelserna i lagen omfatta även leveran- törer av kontoinformationstjänster. De bör dock anpassas så att de passar även för dessa betaltjänstleverantörer.</P>
<P class="p784 ft64">I betaltjänstlagen anges att betaltjänstleverantören ska informera om vilka uppgifter som betaltjänstanvändaren ska uppge för att en betalnings- order ska kunna utföras korrekt (4 kap. 10 § 4). Detta informationskrav bör även gälla för leverantörer av kontoinformationstjänster och utformas på så sätt att de ska vara skyldiga att informera betaltjänstanvändaren om vilka uppgifter som denne ska uppge för att kontoinformationstjänsten ska kunna utföras korrekt. Leverantörerna av dessa tjänster bör också vara skyldiga att informera om hur lång tid det som längst tar att utföra konto- informationstjänsten (jfr 4 kap. 10 § 8 betaltjänstlagen som reglerar skyl- dighet att lämna information om hur lång tid det som längst tar att genomföra en transaktion).</P>
<P class="p745 ft5">Flera av informationskraven avser genomförande av betalningstrans- aktioner (4 kap. 10 § <NOBR>5–9,</NOBR> 11 och 12). Eftersom leverantörer av konto- informationstjänster inte medverkar vid någon form av betalnings- transaktion eller innehar medel för betaltjänstanvändarens räkning är dessa krav inte tillämpliga för leverantörer av kontoinformationstjänster. Detta behöver inte anges särskilt i betaltjänstlagen.</P>
<P class="p519 ft3">Vidare hänvisar regeln om informationskravet i andra betaltjänst- direktivet till reglerna om rätt för betaltjänstanvändaren att få tillgång till information och villkor i ramavtalet (artikel 53), reglering av villkors- ändringar (artikel 54) samt uppsägning av ramavtal (artikel 55). Dessa regler är oförändrade i förhållande till dem i första betaltjänstdirektivet, som i svensk rätt har genomförts i bestämmelser i betaltjänstlagen (4 kap. <NOBR>13–15</NOBR> §§). Beträffande vissa villkor för uppsägning, se dock närmare i avsnitt 14.11.3.</P>
<P class="p270 ft4">Hur informationen ska lämnas</P>
<P class="p785 ft6">I andra betaltjänstdirektivet finns regler om i vilken form information ska lämnas i samband med att ett ramavtal ingås (artikel 51) och att betaltjänstanvändaren när som helst under avtalsförhållandet på begäran ska ha rätt att erhålla denna information (artikel 53). Motsvarande regler finns i första betaltjänstdirektivet (artiklarna 41 och 43) och de har genomförts i svensk rätt i bestämmelser i betaltjänstlagen (4 kap. <NOBR>11–13</NOBR> §§).</P>
<P class="p786 ft3">Leverantörer av kontoinformationstjänster omfattas emellertid inte av de nämnda reglerna i andra betaltjänstdirektivet (artikel 33.2). Utred- ningen föreslår mot den bakgrunden att leverantörer av kontoinforma- tionstjänster uttryckligen ska undantas från de nämnda bestämmelserna i betaltjänstlagen.</P>
<P class="p611 ft64">Av reglerna i direktivet om vilken information som ska lämnas till betaltjänstanvändaren i samband med att ett avtal sluts framgår emeller- tid att betaltjänstanvändaren bl.a. ska få information om sin rätt att åbe- ropa formkraven (artiklarna 52.4 d och 53). Av skälen till direktivet framgår inte heller att leverantörer av kontoinformationstjänster ska behandlas annorlunda när det gäller vilken information de ska lämna till</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">183</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_184">
<DIV id="dimg1">
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<P class="p498 ft5">Prop. 2017/18:77 betaltjänstanvändarna (se främst skälen 54 och 59). Regeringen anser vidare, på samma sätt som när det gäller förhandsinformation (se avsnitt 7.3.4) att det vore märkligt om leverantörer av kontoinformations- tjänster inte skulle ha en skyldighet att lämna den aktuella informationen på svenska eller något annat språk som parterna har kommit överens om samt att på begäran lämna informationen på papper eller något varaktigt medium. Att regeln om hur informationen ska lämnas inte pekas ut i direktivet som uttryckligen tillämplig när det gäller kontoinformations- tjänster kan därför inte heller här tas till intäkt för att sådana krav inte får ställas på en leverantör av kontoinformationstjänster. Regeringen anser därför, till skillnad från utredningen, att de nu aktuella kraven i betal- tjänstlagen bör gälla även för leverantörer av kontoinformationstjänster.</P>
<P class="p541 ft110"><SPAN class="ft42">7.3.6</SPAN><SPAN class="ft109">Avgifter för information</SPAN></P>
<P class="p639 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Bestämmelserna i betaltjänstlagen om avgifter för information ska gälla även för leverantörer av kontoinformations- tjänster.</P>
<P class="p640 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P>
<P class="p671 ft6">har inget att invända mot det. <SPAN class="ft4">Förvaltningsrätten i Stockholm </SPAN>anser att det närmare bör utredas om det är förenligt med direktivet och dess ända- mål att i den svenska lagstiftningen låta leverantörer av kontoinforma- tionstjänster omfattas av bestämmelserna i betaltjänstlagen om informa- tionsavgifter.</P>
<P class="p486 ft6"><SPAN class="ft80">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet får en betaltjänstleverantör som huvudregel inte ta ut någon avgift för att till- handahålla information som ska tillhandahållas enligt avdelning III i direktivet (artikel 40.1). En motsvarande regel finns i första betaltjänst- direktivet (artikel 32.1) och den har i svensk rätt genomförts i en bestämmelse i betaltjänstlagen (4 kap. 1 §).</P>
<P class="p540 ft5">Enligt andra betaltjänstdirektivet är den aktuella regeln inte tillämplig på leverantörer av kontoinformationstjänster (artikel 33.2). Utredningen föreslår dock att leverantörer av kontoinformationstjänster ska omfattas av bestämmelserna i betaltjänstlagen om avgifter för information. <SPAN class="ft41">Förvaltningsrätten i Stockholm </SPAN>anser att frågan om förslaget är förenligt med direktivet bör utredas närmare.</P>
<P class="p787 ft3">Regeringen anser att det skulle framstå som anmärkningsvärt om leve- rantörer av kontoinformationstjänster skulle ha möjlighet att ta ut avgift för information som de enligt direktivet är skyldiga att lämna sina an- vändare. Detta kan inte anses vara direktivets syfte. Regeringen finner därför, i likhet med utredningen, att även dessa aktörer som huvudregel inte bör ha rätt att ta ut avgift för den information som de har en skyldig- het att förse sina användare med. Bestämmelserna i betaltjänstlagen om avgifter för information bör därför gälla även för leverantörer av konto- informationstjänster.</P>
<P class="p760 ft3">184</P>
</DIV>
<DIV id="page_185">
<DIV id="dimg1">
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</DIV>
<TABLE cellpadding=0 cellspacing=0 class="t60">
<TR>
<TD class="tr1 td82"><P class="p28 ft42">7.3.7</P></TD>
<TD class="tr1 td308"><P class="p73 ft110">Bevisbörda för informationsgivning</P></TD>
<TD class="tr1 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
</TABLE>
<P class="p722 ft3"><SPAN class="ft42">Regeringens bedömning: </SPAN>Det behöver inte anges i betaltjänstlagen att betaltjänstleverantören har bevisbördan för att den har uppfyllt sin informationsplikt enligt den lagen.</P>
<P class="p788 ft76"><SPAN class="ft135">Utredningens bedömning </SPAN>överensstämmer med regeringens bedöm- ning.</P>
<P class="p57 ft5"><SPAN class="ft78">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker bedömningen eller har inget att invända mot den. <SPAN class="ft41">Förvaltningsrätten i Stockholm </SPAN>anser att det kan finnas en risk för att direktivets uttryckliga regel om bevis- bördans placering inte på ett tillräckligt tydligt sätt införlivas med svensk rätt om den inte kommer till uttryck i lag.</P>
<P class="p12 ft80">Skälen för regeringens bedömning: <SPAN class="ft6">Enligt andra betaltjänstdirektivet ska medlemsstaterna föreskriva att bevisbördan ligger på betaltjänst- leverantören när det gäller att visa att denne har uppfyllt de informations- krav som anges i direktivet (artikel 41). En motsvarande regel finns i första betaltjänstdirektivet men uttrycks där som en valmöjlighet för medlemsstaterna (artikel 33).</SPAN></P>
<P class="p524 ft3">Vid genomförandet av första betaltjänstdirektivet fann regeringen att en uttrycklig bestämmelse med motsvarande innehåll inte var nödvändig (jfr prop. 2009/10:220, bilaga 5, s. 454).</P>
<P class="p57 ft3"><SPAN class="ft4">Förvaltningsrätten i Stockholm </SPAN>anser att det finns en risk för att den uttryckliga regeln i direktivet inte genomförs på ett tillräckligt tydligt sätt om den inte kommer till uttryck i lag. Regeringen anser emellertid att det får anses följa av allmänna principer att en part som åläggs att lämna viss information också har att visa att skyldigheten har fullgjorts. Regeringen bedömer således att omständigheterna ingår i det som betaltjänst- leverantören har bevisbördan för utan att det krävs någon uttrycklig bestämmelse i lag. Det krävs därför inte något förtydligande i betal- tjänstlagen om bevisbördans placering.</P>
<P class="p789 ft110"><SPAN class="ft42">7.3.8</SPAN><SPAN class="ft125">Rätt att använda kontoinformationstjänster</SPAN></P>
<P class="p545 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>En betaltjänstanvändare ska ha rätt att använda kontoinformationstjänster om det berörda betalkontot är tillgängligt online. Denna rätt ska gälla oberoende av om det finns ett avtal om detta mellan leverantören av kontoinformationstjänster och den konto- förvaltande betaltjänstleverantören.</P>
<P class="p715 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p54 ft3">det.</P>
<P class="p57 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt nya regler i andra betaltjänst- direktivet har en betaltjänstanvändare rätt att utnyttja kontoinforma- tionstjänster (se närmare om detta uttryck i avsnitt 5.2.1) under förut- sättning att betalkontot är tillgängligt online (artikel 67.1). Tillhanda- hållande av kontoinformationstjänster får inte vara avhängigt av före- komsten av ett avtalsförhållande mellan leverantörer av kontoinforma- tionstjänster och kontoförvaltande betaltjänstleverantörer i detta syfte</P>
<P class="p790 ft3">185</P>
</DIV>
<DIV id="page_186">
<P class="p633 ft59">Prop. 2017/18:77 (artikel 67.4). Dessa regler överensstämmer således med vad som gäller för tillhandahållandet av betalningsinitieringstjänster (se avsnitt 7.2.6).</P>
<P class="p726 ft5">Även när det gäller betalningsinitieringstjänster bör det därför i betal- tjänstlagen tas in en bestämmelse som ger betaltjänstanvändare rätt att använda kontoinformationstjänster. I enlighet med direktivet bör denna rätt begränsas till att gälla betalkonton som är tillgängliga online. För att tillförsäkra betaltjänstanvändaren rätten att använda sig av kontoinforma- tionstjänster bör det även anges i betaltjänstlagen att denna rätt inte ska förutsätta att det finns ett avtal mellan den kontoförvaltande betaltjänst- leverantören och leverantören av kontoinformationstjänster. Som anges i avsnitt 7.2.6 hindrar detta naturligtvis inte att den kontoförvaltande betal- tjänstleverantören och leverantören av kontoinformationstjänster ingår ett avtal för att reglera frågor om användandet av dessa tjänster.</P>
<TABLE cellpadding=0 cellspacing=0 class="t92">
<TR>
<TD class="tr50 td125"><P class="p22 ft42">7.3.9</P></TD>
<TD colspan=3 class="tr50 td283"><P class="p3 ft110">Skyldigheter och tillgång till information för</P></TD>
</TR>
<TR>
<TD class="tr22 td125"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr22 td283"><P class="p3 ft110">leverantören av kontoinformationstjänster</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr14 td309"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr28 td310"><P class="p75 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>En leverantör av kontoinformationstjänster får</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td310"><P class="p75 ft6">inte tillhandahålla tjänster utan betaltjänstanvändarens uttryckliga</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td310"><P class="p75 ft7">godkännande. En sådan leverantör får inte begära känsliga betalnings-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td310"><P class="p75 ft5">uppgifter som är kopplade till betalkontot eller använda, ha tillgång till</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td310"><P class="p75 ft6">eller lagra uppgifter för andra ändamål än för att genomföra den</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td310"><P class="p75 ft3">kontoinformationstjänst som uttryckligen begärs av betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td311"><P class="p75 ft6">användaren.</P></TD>
<TD class="tr16 td194"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td312"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td313"><P class="p153 ft6">Leverantören av en kontoinformationstjänst ska</P></TD>
<TD class="tr16 td312"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td311"><P class="p153 ft3">– säkerställa</P></TD>
<TD class="tr15 td194"><P class="p3 ft3">att betaltjänstanvändarens personliga</P></TD>
<TD class="tr15 td312"><P class="p3 ft3">behörighets-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td310"><P class="p75 ft6">funktioner inte är tillgängliga för andra än leverantören samt</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td310"><P class="p75 ft6">användaren och utgivaren av behörighetsfunktionerna och att dessa</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td310"><P class="p75 ft5">uppgifter överförs genom leverantören på ett säkert och effektivt sätt,</P></TD>
</TR>
<TR>
<TD class="tr16 td314"><P class="p75 ft6">och</P></TD>
<TD class="tr16 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td194"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td312"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td310"><P class="p153 ft6">– för varje kommunikationssession identifiera sig gentemot den</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td313"><P class="p75 ft3">kontoförvaltande betaltjänstleverantören.</P></TD>
<TD class="tr15 td312"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td310"><P class="p153 ft6">Leverantören av kontoinformationstjänster ska endast ha rätt till</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td310"><P class="p75 ft6">tillgång till information från angivna betalkonton och sådana</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td313"><P class="p75 ft3">betalningstransaktioner som hör till kontona.</P></TD>
<TD class="tr15 td312"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td310"><P class="p153 ft5">Leverantören av kontoinformationstjänster ska kommunicera på ett</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr2 td315"><P class="p75 ft3">säkert sätt med den kontoförvaltande betaltjänstleverantören.</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr2 td316"><P class="p31 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td316"><P class="p31 ft7"><SPAN class="ft115">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td316"><P class="p3 ft5">har inget att invända mot det. <SPAN class="ft41">Datainspektionen </SPAN>påpekar att om konto-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td316"><P class="p3 ft5">information lämnas ut till annan part för kreditupplysningsändamål kan</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td316"><P class="p3 ft3">utlämnandet omfattas av bestämmelserna i kreditupplysningslagen.</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td316"><P class="p3 ft5">Frågan är om kreditupplysningslagens bestämmelser är tillämpliga om</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td110"><P class="p3 ft6">kontoinformation</P></TD>
<TD class="tr16 td194"><P class="p71 ft6">lämnas till annan part i ett sådant fall</P></TD>
<TD class="tr16 td57"><P class="p70 ft6">eller om det</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td316"><P class="p3 ft5">i stället är betaltjänstlagen som ska tillämpas på verksamheten i fråga.</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t93">
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">För det fall kreditupplysningslagen inte är tillämplig uppstår enligt Data-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">inspektionen frågan om leverantörer av kontoinformationstjänster är</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">skyldiga att behandla personuppgifter på det sätt som följer av person-</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr51 td138"><P class="p196 ft7">186</P></TD>
<TD class="tr20 td301"><P class="p305 ft5">uppgiftslagen. <SPAN class="ft41">Tink AB </SPAN>anser att det i betaltjänstlagen bör preciseras att</P></TD>
</TR>
<TR>
<TD class="tr42 td301"><P class="p3 ft114"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_187">
<P class="p557 ft3">en leverantör av en kontoinformationstjänst ska ha rätt till all den Prop. 2017/18:77 information som finns tillgänglig för betaltjänstanvändaren från den</P>
<P class="p532 ft40">kontoförvaltande betaltjänstleverantören. Detta innefattar, enligt bolaget, exempelvis aktuellt och historiskt saldo, ränteinformation, all transak- tionsinformation, information om fakturor samt förvalda betalnings- mottagare. Tink AB anför att denna typ av information mycket väl kan vara helt avgörande för om en tjänst är användbar. Tink AB anser vidare att utredningens förslag om att regleringen endast ska omfatta betal- konton gör att konton som t.ex. bolånekonton och sparkonton lämnas oreglerade, vilket leder till att hämtandet av denna information fortsätter på samma sätt som i dag, i oreglerad form.</P>
<P class="p771 ft42">Skälen för regeringens förslag</P>
<P class="p672 ft4">Skyldigheter för en leverantör av kontoinformationstjänster</P>
<P class="p791 ft3">I andra betaltjänstdirektivet anges vad leverantörer av kontoinformations- tjänster har att iaktta i samband med tillhandahållande av sina tjänster (artikel 67.2). En sådan leverantör:</P>
<P class="p792 ft3"><SPAN class="ft7">a)</SPAN><SPAN class="ft119">får endast tillhandahålla tjänster på grundval av betaltjänstanvänd- arens uttryckliga godkännande,</SPAN></P>
<P class="p793 ft5"><SPAN class="ft5">b)</SPAN><SPAN class="ft143">ska säkerställa att betaltjänstanvändarens personliga behörighets- funktioner inte är tillgängliga för andra parter med undantag för användaren och utgivaren av de personliga behörighetsfunktionerna, och att när dessa uppgifter överförs genom leverantören av konto- informationstjänster detta sker via säkra och effektiva kanaler,</SPAN></P>
<P class="p792 ft6"><SPAN class="ft5">c)</SPAN><SPAN class="ft120">ska för varje kommunikationssession identifiera sig gentemot den kontoförvaltande betaltjänstleverantören och kommunicera säkert med den kontoförvaltande betaltjänstleverantören och betaltjänst- användaren (i enlighet med tekniska standarder som antas av kommissionen med stöd artikel 98.1 d och 98.4),</SPAN></P>
<P class="p792 ft76"><SPAN class="ft3">d)</SPAN><SPAN class="ft148">ska endast ha tillgång till information från angivna betalkonton och dithörande betalningstransaktioner,</SPAN></P>
<P class="p792 ft6"><SPAN class="ft7">e)</SPAN><SPAN class="ft120">får inte begära känsliga betalningsuppgifter som är kopplade till betalkontona och</SPAN></P>
<P class="p792 ft3"><SPAN class="ft3">f)</SPAN><SPAN class="ft149">får inte använda, ha tillgång till eller lagra några uppgifter för några andra ändamål än för att genomföra den kontoinformationstjänst som betaltjänstanvändaren uttryckligen har begärt, i enlighet med data- skyddsreglerna.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t94">
<TR>
<TD class="tr22 td298"><P class="p3 ft3">Kontoinformationstjänster får alltså endast tillhandahållas efter uttryck-</P></TD>
<TD class="tr22 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">ligt godkännande från betaltjänstanvändaren. Det som anges i direktivet</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">bör anses innebära att godkännandet ska lämnas till leverantören av konto-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">informationstjänster, dvs. inte till den kontoförvaltande betaltjänst-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">leverantören. Den kontoförvaltande betaltjänstleverantören kan således</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">inte ställa upp krav på i vilken form ett godkännande ska ha lämnats för</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">att ge leverantören av kontoinformationstjänster tillgång till det aktuella</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">betalkontot. En möjlighet att ställa upp sådana krav skulle kunna äventyra</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">betaltjänstanvändarens rätt att använda sig av kontoinformationstjänster.</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p90 ft6">De nu aktuella reglerna i andra betaltjänstdirektivet (artikel 67.2) bör</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">genomföras i svensk rätt genom att motsvarande bestämmelser tas in i</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr24 td298"><P class="p3 ft3">betaltjänstlagen.</P></TD>
<TD class="tr24 td78"><P class="p17 ft3">187</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_188">
<TABLE cellpadding=0 cellspacing=0 class="t93">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=2 class="tr22 td93"><P class="p17 ft5">Definitionerna av personliga behörighetsfunktioner och känsliga betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft7">ningsuppgifter behandlas närmare i avsnitten 5.3.5 och 5.3.6. I detta sam-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5">manhang kan påpekas att det i direktivet anges att kontohavarens namn</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft7">och kontonummer inte utgör känsliga betalningsuppgifter för verksamhet</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p17 ft3">som drivs av leverantörer av kontoinformationstjänster (artikel 4.32).</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">Den information om betaltjänstanvändarens betalkonto, t.ex. uppgifter</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5">om sparande, krediter och kontots historik, som leverantören av konto-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p17 ft7">informationstjänster kan få tillgång till i samband med tillhandahållandet</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">av en kontoinformationstjänst ska alltså inte få lagras eller användas för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5">andra ändamål än för att genomföra den avtalade tjänsten. Till skillnad</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p17 ft3">från vad som är fallet för leverantörer av betalningsinitieringstjänster</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft6">torde det, om betaltjänstanvändaren begär det, enligt direktivet vara</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft6">möjligt för leverantören att efterfråga uppgifter i syfte att t.ex. göra</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p17 ft5">kreditprövningar för annan parts räkning. Leverantörer av betalningsini-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">tieringstjänster får endast lämna information om betaltjänstanvändaren</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td213"><P class="p3 ft6">till betalningsmottagaren (jfr artikel 66.3 c).</P></TD>
<TD class="tr16 td209"><P class="p17 ft6">Någon motsvarande</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p17 ft7">begränsningsregel i fråga om vem information får lämnas vidare till finns</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">inte för leverantörer av kontoinformationstjänster. En förutsättning för att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft6">få lämna vidare informationen är dock att det föreligger ett uttryckligt</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td213"><P class="p3 ft3">godkännande från betaltjänstanvändaren.</P></TD>
<TD class="tr15 td209"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft6">Vidare ska beaktas om förfarandet att lämna vidare information är att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td213"><P class="p3 ft6">bedöma som kreditupplysning.</P></TD>
<TD class="tr16 td209"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p17 ft5">Med kreditupplysning avses enligt kreditupplysningslagen (1973:1173)</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">uppgifter, omdömen eller råd som lämnas till ledning för bedömning av</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">någon annans kreditvärdighet eller vederhäftighet i övrigt i ekonomiskt</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft5">hänseende (2 § första stycket första meningen). Uppgifter, omdömen</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">eller råd som lämnas till någon för att användas i dennes kreditupplys-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft6">ningsverksamhet anses dock inte som kreditupplysning (2 § första</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p17 ft3">stycket andra meningen). Den senare bestämmelsen är avsedd att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">markera att uppgifter som lämnas till kreditupplysningsföretagen för att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5">där läggas till grund för information som lämnas vidare inte faller under</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p17 ft5">begreppet kreditupplysning. En kreditupplysning lämnas i stället som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">regel till en person eller ett företag som sysslar med kreditgivning eller</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5">någon annan verksamhet som innefattar en ekonomisk riskbedömning</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft5">(jfr prop. 1996/97:65 s. 61). För det fall en leverantör av kontoinforma-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft7">tionstjänster lämnar ut enskilda personers kontouppgifter till kreditgivare</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">till ledning för bedömning av kontohavarens kreditvärdighet eller veder-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p17 ft5">häftighet i övrigt ekonomiskt hänseende bör denna verksamhet, i likhet</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft6">med vad <SPAN class="ft4">Datainspektionen </SPAN>anför, anses utgöra kreditupplysnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">verksamhet. Sådan verksamhet är som huvudregel tillståndspliktig och</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft3">medför skyldighet att följa kreditupplysningslagen. Regeringen gör</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft6">bedömningen att reglerna i andra betaltjänstdirektivet inte hindrar att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td213"><P class="p3 ft6">förfarandet omfattas av kreditupplysningslagen.</P></TD>
<TD class="tr16 td209"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p17 ft5">Datainspektionen tar vidare upp frågan om vilket regelverk för person-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">uppgiftsbehandling som en leverantör av kontoinformationstjänster har</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft6">att följa. Dessa leverantörers hantering av personuppgifter i samband</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p17 ft3">med tillhandahållandet av sina tjänster faller som huvudregel inom</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">personuppgiftslagens (1998:204) tillämpningsområde. Personuppgifts-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">lagen är subsidiär i förhållande till annan lagstiftning, vilket innebär att</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft7">om det i annan lagstiftning finns bestämmelser som avviker från person-</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">188</P></TD>
<TD class="tr28 td213"><P class="p3 ft3">uppgiftslagen ska de bestämmelserna gälla (2 §</P></TD>
<TD class="tr28 td209"><P class="p27 ft7">personuppgiftslagen).</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_189">
<DIV>
<DIV id="id_1">
<P class="p513 ft5">I betaltjänstlagen finns sådan särreglering (6 kap.), men dessa special- bestämmelser är inte tillämpliga på leverantörer av kontoinformations- tjänster eftersom de inte genomför betalningstransaktioner. Om en sådan leverantör driver verksamhet som är tillståndspliktig enligt kreditupplys- ningslagen finns emellertid specialbestämmelser i den lagen, som leverantören har att följa.</P>
<P class="p784 ft64">Det bör i sammanhanget nämnas att Europaparlamentets och rådets förordning (EU) 2016/679 av den 27 april 2016 om skydd för fysiska personer med avseende på behandling av personuppgifter och om det fria flödet av sådana uppgifter och om upphävande av direktiv 95/46/EG (allmän dataskyddsförordning) (i det följande benämnd dataskydds- förordningen), som antogs i april 2016, kommer att börja tillämpas i maj 2018. Dataskyddsförordningen ersätter Europaparlamentets och rådets direktiv 95/46/EG av den 24 oktober 1995 om skydd för enskilda personer med avseende på behandling av personuppgifter och om det fria flödet av sådana uppgifter (i det följande benämnt dataskyddsdirektivet) som har genomförts i svensk rätt genom personuppgiftslagen. Förordningen om- fattar i stort sett all behandling av personuppgifter, dvs. även sådan be- handling som sker i privata företag. Den baseras till stor del på struktur och innehåll i dataskyddsdirektivet, men innehåller även nyheter. Regeringen föreslår i lagrådsremissen Ny dataskyddslag som beslutades den 21 december 2017 en ny nationell lag som ska komplettera data- skyddsförordningen.</P>
<P class="p774 ft5">I den regel i andra betaltjänstdirektivet som nu är aktuell åläggs leverantören av kontoinformationstjänsten att kommunicera säkert med den kontoförvaltande betaltjänstleverantören. Vad detta innebär preciseras i tekniska standarder som antagits av kommissionen (se artikel 98.1 d och 98.4 samt Commission delegated regulation [EU] supplementing Directive 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication). I avsnitt 5.3.16 föreslås att det i betaltjänstlagen ska införas en definition av säker kommunikation i vilken det anges att säker kommunikation är kommunikation enligt de tekniska standarderna. Som behandlas i avsnitt 15 ska kraven enligt de tekniska standarderna börja tillämpas 18 månader efter det att de trätt i kraft.</P>
<P class="p794 ft4">Vilken information ska betaltjänstleverantören ha tillgång till?</P>
<P class="p663 ft5"><SPAN class="ft41">Tink AB </SPAN>tar upp frågan om vilken information som leverantörer av konto- informationstjänster ska ha tillgång till. Som redogörs för ovan ska en leverantör av en kontoinformationstjänst, enligt andra betaltjänst- direktivet, endast ha tillgång till information från angivna betalkonton och dithörande betalningstransaktioner (artikel 67.7 d). I avsnitt 5.2 behandlas definitionen av betalkonto i betaltjänstlagen. Där framgår att den närmare avgränsningen av vad som utgör ett betalkonto bör göras med utgångspunkt i att ett betalkonto ska vara avsett för utförande av betalningstransaktioner och att avgörande för bedömningen således är kontots syfte och funktion (se närmare prop. 2009/10:220 s. 93). Till- gången till annan typ av information regleras inte i direktivet. Direktivet utgör inte heller något hinder för sådan tillgång. Betaltjänstleveran-</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">189</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_190">
<P class="p584 ft3">Prop. 2017/18:77 törernas tillgång till sådan information kommer därför även i fortsätt- ningen att vara ett område där det råder avtalsfrihet. Om behov skulle uppstå kan dock regeringen komma att ta initiativ till att reglera förutsätt- ningarna för leverantörer av kontoinformationstjänster att få tillgång till annan information än den som är knuten till betalkonton, i syfte att se till att konsumenterna även fortsättningsvis ska kunna få tillgång till ett brett utbud av tjänster.</P>
<TABLE cellpadding=0 cellspacing=0 class="t95">
<TR>
<TD class="tr50 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr50 td58"><P class="p307 ft42">7.3.10</P></TD>
<TD class="tr50 td260"><P class="p90 ft110">Den kontoförvaltande betaltjänstleverantörens</P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td260"><P class="p90 ft110">skyldigheter</P></TD>
</TR>
<TR>
<TD class="tr42 td134"><P class="p3 ft114"> </P></TD>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Den kontoförvaltande betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">ska behandla en begäran om uppgifter som överförs via en leverantör</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">av kontoinformationstjänster på samma sätt som en begäran direkt</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">från betaltjänstanvändaren, om det inte finns objektiva skäl för en</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">annan behandling.</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p636 ft5">Den kontoförvaltande betaltjänstleverantören ska kommunicera på</P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft3">ett säkert sätt med leverantören av betalningsinitieringstjänster.</P></TD>
</TR>
<TR>
<TD class="tr47 td288"><P class="p3 ft130"> </P></TD>
<TD colspan=2 class="tr46 td295"><P class="p3 ft8"> </P></TD>
</TR>
<TR>
<TD class="tr1 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr1 td93"><P class="p90 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft7"><SPAN class="ft115">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">har inget att invända mot det. <SPAN class="ft41">Tink AB </SPAN>anser att det i betaltjänstlagen bör</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">framgå att kontoförvaltande betaltjänstleverantörer inte får använda sig</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">av inloggningsmetoder som gör det omöjligt för en leverantör av konto-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">informationstjänster att löpande hämta data. Vidare anser Tink AB att det</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">bör införas en bestämmelse om att en kontoförvaltande betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">leverantör inte får göra skillnad på den information som görs tillgänglig</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">via en kontoinformationstjänst och den information som betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">användare har tillgång till via den kontoförvaltande betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">törens egna gränssnitt.</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p90 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">den kontoförvaltande betaltjänstleverantören kommunicera säkert med</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">leverantörer av kontoinformationstjänster och inte behandla förfrågningar</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">om uppgifter som överförs via en leverantör av kontoinformationstjänster på</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">ett avvikande sätt annat än av objektiva skäl (artikel 67.3).</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5">De nu aktuella reglerna i andra betaltjänstdirektivet (artikel 67.3) bör</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">genomföras i svensk rätt genom att motsvarande bestämmelser tas in i</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">betaltjänstlagen.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft6"><SPAN class="ft4">Tink AB </SPAN>anser att det bör införas en bestämmelse om att konto-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">förvaltande betaltjänstleverantörer inte får använda sig av vissa inlogg-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">ningsmetoder samt att en kontoförvaltande betaltjänstleverantör inte får</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">göra skillnad mellan den informationen som görs tillgänglig via en</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">kontoinformationstjänst och den information som betaltjänstanvändare</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">har tillgång till via den kontoförvaltande betaltjänstleverantörens egna</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">gränssnitt. Regeringen konstaterar att det inte finns några regler i andra</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">betaltjänstdirektivet om vilka metoder för inloggning som får användas</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">eller genom vilket gränssnitt viss information ska tillhandahållas. Detta</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">är i stället något som regleras i de tekniska standarder som antagits av</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">kommissionen (se artikel 98.4 och Commission delegated regulation</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr1 td134"><P class="p512 ft7">190</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft3">[EU] supplementing Directive 2015/2366 of the European Parliament</P></TD>
</TR>
<TR>
<TD class="tr14 td58"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td260"><P class="p3 ft18"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_191">
<P class="p476 ft3">and of the Council with regard to regulatory technical standards for Prop. 2017/18:77 strong customer authentication and common and secure open standards</P>
<P class="p656 ft3">of communication). Regeringen anser därför att det inte är lämpligt att införa bestämmelser om detta i betaltjänstlagen. Som behandlas i avsnitt 15 ska kraven enligt de tekniska standarderna börja tillämpas 18 månader efter det att de trätt i kraft.</P>
<TABLE cellpadding=0 cellspacing=0 class="t96">
<TR>
<TD class="tr33 td58"><P class="p241 ft42">7.3.11</P></TD>
<TD class="tr33 td260"><P class="p90 ft110">Möjlighet att vägra tillträde till betalkonto</P></TD>
<TD class="tr33 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr42 td284"><P class="p3 ft114"> </P></TD>
<TD class="tr40 td146"><P class="p3 ft17"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>En kontoförvaltande betaltjänstleverantör ska få</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">vägra en leverantör av kontoinformationstjänster tillträde till ett betal-</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft3">konto endast om den kontoförvaltande leverantören av skäl som är</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">objektivt motiverade och vederbörligen styrkta gör bedömningen att</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">leverantören av kontoinformationstjänster har obehörigt tillträde till</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft3">betalkontot.</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p497 ft5">Innan den kontoförvaltande betaltjänstleverantören vägrar tillträde</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">till ett betalkonto ska leverantören på avtalat sätt underrätta betal-</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft5">tjänstanvändaren. I underrättelsen ska skälen för vägran anges. Om</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">användaren inte kan underrättas innan tillträde vägras, ska en under-</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">rättelse lämnas så snart som möjligt efter vägran.</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p795 ft7">Betaltjänstanvändaren får inte underrättas om en underrättelse är oför-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">enlig med andra föreskrifter. Detsamma gäller om det är motiverat av</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">säkerhetsskäl att inte lämna underrättelsen.</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p795 ft7">Den kontoförvaltande betaltjänstleverantören ska medge tillträde till</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">betalkontot så snart det inte längre finns skäl för vägran.</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p497 ft7">Den kontoförvaltande betaltjänstleverantören ska omedelbart under-</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft3">rätta Finansinspektionen om en leverantör av kontoinformations-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">tjänster har vägrats tillträde till ett betalkonto. I underrättelsen ska</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td286"><P class="p41 ft3">skälen för vägran anges.</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr19 td93"><P class="p297 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens</P></TD>
<TD class="tr19 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">förslag. Utredningens förslag avviker från regeringens förslag genom att</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">utredningens förslag innebär att den kontoförvaltande betaltjänstleveran-</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">tören ska ”styrka” att leverantören av kontoinformationstjänsten har obe-</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">hörig tillgång till betalkontot för att ha rätt att vägra tillgång.</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p297 ft7"><SPAN class="ft115">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">har inget att invända mot det. <SPAN class="ft4">Konkurrensverket</SPAN>, <SPAN class="ft4">Svenska Bank-</SPAN></P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft4">föreningen<SPAN class="ft3">, </SPAN>Trustly Group AB <SPAN class="ft3">och </SPAN>Tink AB <SPAN class="ft3">framför samma synpunkter</SPAN></P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">som när det gäller förslaget avseende leverantörer av betalnings-</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">initieringstjänster (se avsnitt 7.2.9).</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p297 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt nya regler i andra betaltjänst-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">direktivet får en kontoförvaltande betaltjänstleverantör neka en leverantör</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">av kontoinformationstjänster eller betalningsinitieringstjänster tillgång till</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">ett betalkonto av objektivt motiverade och vederbörligen styrkta skäl</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">rörande icke auktoriserad eller bedräglig tillgång till betalkontot av den</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">leverantören av kontoinformationstjänster (artikel 68.5 första stycket</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">första meningen). I sådana fall ska den kontoförvaltande betaltjänst-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">leverantören på avtalat sätt informera betalaren om att tillgången till</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">betalkontot har nekats och om skälen för detta (artikel 68.5 första stycket</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td93"><P class="p3 ft5">andra meningen). Den informationen ska, om möjligt, ges till betalaren</P></TD>
<TD rowspan=2 class="tr39 td146"><P class="p17 ft3">191</P></TD>
</TR>
<TR>
<TD class="tr44 td58"><P class="p3 ft16"> </P></TD>
<TD class="tr44 td260"><P class="p3 ft16"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_192">
<P class="p725 ft3">Prop. 2017/18:77 innan tillgång nekas och senast direkt därefter, om inte tillhandahållandet av sådan information hindras av objektivt motiverade säkerhetsskäl eller förbjuds i annan relevant unionsrätt eller nationell rätt (artikel 68.5 första stycket tredje meningen).</P>
<P class="p634 ft6">Den kontoförvaltande betaltjänstleverantören ska vidare medge tillgång till betalkontot när skälen för att neka tillgång inte längre föreligger (artikel 68.5 andra stycket).</P>
<P class="p796 ft40">I avsnitt 7.2.9 föreslås att de nu aktuella reglerna i direktivet ska genomföras i bestämmelser i betaltjänstlagen när det gäller leverantörer av betalningsinitieringstjänster. De överväganden som regeringen gör i det avsnittet är relevanta även när det gäller leverantör av kontoinforma- tionstjänster. Eftersom reglerna i direktivet är de samma för leverantörer av kontoinformationstjänster bör de bestämmelserna i betaltjänstlagen gälla även dessa leverantörer. När det gäller leverantörer av konto- informationstjänster bör dock, som <SPAN class="ft39">Lagrådet </SPAN>föreslår, termen ”tillträde” till ett betalkonto användas.</P>
<TABLE cellpadding=0 cellspacing=0 class="t97">
<TR>
<TD class="tr50 td125"><P class="p441 ft42">7.3.12</P></TD>
<TD class="tr50 td283"><P class="p3 ft42">Övriga tillämpliga bestämmelser för leverantörer</P></TD>
</TR>
<TR>
<TD class="tr22 td125"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p3 ft110">av kontoinformationstjänster</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr14 td309"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td310"><P class="p75 ft5"><SPAN class="ft78">Regeringens bedömning: </SPAN>Det krävs inte någon uttrycklig bestäm-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td310"><P class="p75 ft5">melse i betaltjänstlagen för att genomföra reglerna i andra betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td310"><P class="p75 ft3">direktivet om att betaltjänstanvändarens skyldighet att skydda sina</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td310"><P class="p75 ft6">personliga behörighetsfunktioner gäller även i förhållande till</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td315"><P class="p75 ft3">leverantörer av kontoinformationstjänster.</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td316"><P class="p27 ft5"><SPAN class="ft78">Utredningens bedömning </SPAN>överensstämmer med regeringens bedöm-</P></TD>
</TR>
<TR>
<TD class="tr15 td125"><P class="p3 ft3">ning.</P></TD>
<TD class="tr15 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td316"><P class="p27 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker bedömningen eller har inget att invända</P></TD>
</TR>
<TR>
<TD class="tr16 td125"><P class="p3 ft6">mot den.</P></TD>
<TD class="tr16 td283"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td316"><P class="p27 ft78">Skälen för regeringens bedömning: <SPAN class="ft5">Enligt andra betaltjänstdirektivet</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td316"><P class="p3 ft6">ska en betaltjänstanvändare som har rätt att använda ett betalnings-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td316"><P class="p3 ft5">instrument använda betalningsinstrumentet i enlighet med villkoren för</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td316"><P class="p3 ft5">utgivande och användning av betalningsinstrumentet, som måste vara</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td316"><P class="p3 ft6">objektiva, <NOBR>icke-diskriminerande</NOBR> och proportionella. Betaltjänstanvän-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td316"><P class="p3 ft7">daren ska vidare, så snart han eller hon mottagit ett betalningsinstrument,</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td316"><P class="p3 ft3">vidta alla rimliga åtgärder för att skydda sina personliga säkerhets-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td316"><P class="p3 ft6">behörighetsuppgifter (artikel 69.1 a och 69.2). Reglerna är tillämpliga</P></TD>
</TR>
<TR>
<TD class="tr16 td125"><P class="p3 ft6">även när</P></TD>
<TD class="tr16 td283"><P class="p27 ft6">det gäller leverantörer av kontoinformationstjänster</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td316"><P class="p3 ft3">(artikel 33.2).</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr21 td316"><P class="p27 ft23">I skälen till andra betaltjänstdirektivet anges att de villkor eller andra</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t77">
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft7">skyldigheter som betaltjänstleverantörerna ålägger betaltjänstanvändarna</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">när det gäller att hålla personliga behörighetsfunktioner säkra inte bör</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">vara formulerade så att de hindrar betaltjänstanvändarna från att utnyttja</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">tjänster som tillhandahålls av andra betaltjänstleverantörer, som t.ex. konto-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft3">informationstjänster (skäl 69).</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p432 ft5">Reglerna i direktivet om betaltjänstanvändarens skyldighet att skydda</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">sina personliga behörighetsfunktioner föreslås genomföras i svensk rätt i</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">bestämmelser i betaltjänstlagen (se avsnitt 8.3.2). Regeringen anser att</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr51 td138"><P class="p196 ft7">192</P></TD>
<TD class="tr20 td301"><P class="p305 ft3">hänvisningen i direktivet till att regeln även gäller för leverantörer av</P></TD>
</TR>
<TR>
<TD class="tr42 td301"><P class="p3 ft114"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_193">
<P class="p490 ft3">kontoinformationstjänster, i ljuset av nämnda skäl till direktivet, bör Prop. 2017/18:77 tolkas så att en betaltjänstanvändare som använder sig av sådana tjänster</P>
<P class="p566 ft5">är skyldig att skydda de personliga behörighetsfunktioner som följer med ett betalningsinstrument, men att de villkor som gäller för betalningsinstru- mentet inte får hindra användaren från att använda sig av en kontoinforma- tionstjänst. I avsnitt 7.3.8 föreslås en bestämmelse i betaltjänstlagen som innebär att en betaltjänstanvändare ska ha rätt att använda kontoinforma- tionstjänster. Regeringen anser därför att det inte krävs någon ytterligare bestämmelse i den lagen för att genomföra de nu aktuella reglerna i direktivet.</P>
<P class="p571 ft59">Även reglerna i andra betaltjänstdirektivet om operativa risker, säker- hetsrisker och autentisering (artiklarna <NOBR>95–98)</NOBR> gäller för leverantörer av kontoinformationstjänster. Dessa regler behandlas i avsnitt 11.</P>
<P class="p797 ft1"><SPAN class="ft31">8</SPAN><SPAN class="ft34">Obehöriga transaktioner</SPAN></P>
<P class="p507 ft97"><SPAN class="ft35">8.1</SPAN><SPAN class="ft117">Inledning</SPAN></P>
<P class="p466 ft5">I likhet med första betaltjänstdirektivet innehåller andra betaltjänst- direktivet regler om de olika aktörernas ansvar vid en obehörig transak- tion, t.ex. när ett kontokort har använts obehörigen för inköp. Reglerna i första betaltjänstdirektivet om ansvar vid obehöriga transaktioner har i svensk rätt genomförts i lagen om obehöriga transaktioner med betal- ningsinstrument. Även reglerna om vilka förpliktelser en betaltjänst- användare med ett betalningsinstrument har i förhållande till betaltjänst- leverantören som har utfärdat instrumentet har genomförts i den lagen. Reglerna i första betaltjänstdirektivet om vilka skyldigheter som gäller för den leverantör som utfärdar ett betalningsinstrument har i stället genom- förts i betaltjänstlagen.</P>
<P class="p369 ft5">Reglerna i första och andra betaltjänstdirektivet på detta område överensstämmer i stora delar. I andra betaltjänstdirektivet har det dock tillkommit regler om ansvaret vid en obehörig transaktion när en leverantör av betalningsinitieringstjänster har medverkat vid transak- tionen. Dessutom har reglerna om självrisk fått en delvis ändrad lydelse. I avsnitt 8 behandlas reglerna i andra betaltjänstdirektivet om betaltjänst- användarens och betaltjänstleverantörens skyldigheter i samband med utgivning och användning av betalningsinstrument samt om ansvars- fördelningen vid obehöriga transaktioner. I avsnitt 8.2 behandlas frågan om reglerna bör genomföras i två olika lagar, vilket är fallet i dag, eller om de i stället bör samlas i betaltjänstlagen.</P>
<P class="p798 ft3">193</P>
</DIV>
<DIV id="page_194">
<DIV id="dimg1">
<INGENBILD zsrc="H50377194x1.jpg/" id="img1">
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<TABLE cellpadding=0 cellspacing=0 class="t98">
<TR>
<TD class="tr33 td214"><P class="p3 ft3">Prop. 2017/18:77 <SPAN class="ft150">8.2</SPAN></P></TD>
<TD class="tr33 td317"><P class="p3 ft35">Reglerna i andra betaltjänstdirektivet bör</P></TD>
</TR>
<TR>
<TD class="tr1 td214"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td317"><P class="p3 ft97">genomföras i betaltjänstlagen</P></TD>
</TR>
</TABLE>
<P class="p799 ft64"><SPAN class="ft129">Regeringens förslag: </SPAN>De bestämmelser som i svensk rätt genomför reglerna i andra betaltjänstdirektivet om skyldigheter i samband med utgivande och användande av betalningsinstrument samt om ansvar vid obehöriga transaktioner ska samlas i betaltjänstlagen. Bestäm- melserna i lagen om obehöriga transaktioner med betalningsinstrument ska föras över till ett eget kapitel i betaltjänstlagen. Lagen om obehöriga transaktioner med betalningsinstrument ska upphävas.</P>
<P class="p779 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att i utredningens förslag tas bestämmelserna om obehöriga transaktioner inte in i ett eget kapitel i betaltjänstlagen.</P>
<P class="p486 ft40"><SPAN class="ft127">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft39">Konsumentverket </SPAN>anser att den föreslagna placeringen av bestämmelserna, i ett kapitel med främst näringsrättsliga regler, gör de konsumentrelevanta reglerna onödigt svårtillgängliga och att det bör övervägas att i stället samla dem i ett eget kapitel i betal- tjänstlagen. <SPAN class="ft39">Sveriges advokatsamfund</SPAN>, som välkomnar förslaget, anser att det är av vikt att begränsa antalet lagar på det finansiella området och att det kan finnas ett värde även för konsumenterna i att samla de bestäm- melser som genomför andra betaltjänstdirektivet i en och samma lag.</P>
<P class="p800 ft42">Skälen för regeringens förslag</P>
<P class="p781 ft4">Nuvarande reglering och frågan om bestämmelsernas placering</P>
<P class="p782 ft5">Som redogörs för i avsnitt 8.1 har reglerna i första betaltjänstdirektivet om vilka förpliktelser en betaltjänstanvändare har i förhållande till en betaltjänstleverantör som har utfärdat ett betalningsinstrument i svensk rätt genomförts i en särskild lag: lagen om obehöriga transaktioner med betalningsinstrument. Som skäl för denna ordning anförde regeringen bl.a. att reglerna om betalningsansvar är av stor praktisk betydelse, att de är avsedda att skydda konsumenter och att det finns ett värde i att de är lättillgängliga (jfr prop. 2009/10:122 s. 12 f.).</P>
<P class="p500 ft3">I lagrådsremissen föreslås att lagen om obehöriga transaktioner med betalningsinstrument ska upphävas och att bestämmelserna i den lagen ska föras över till betaltjänstlagen.</P>
<P class="p482 ft6"><SPAN class="ft4">Lagrådet </SPAN>anser att det skulle vara mer lämpligt att behålla lagen om obehöriga transaktioner med betalningsinstrument och göra erforderliga ändringar i den lagen. För det fall lagen om obehöriga transaktioner med betalningsinstrument inte behålls, anser Lagrådet att det i varje fall bör prövas om reglerna om obehöriga transaktioner, som även <SPAN class="ft4">Konsumentverket </SPAN>förordar, kan placeras i ett eget kapitel i betaltjänst- lagen.</P>
<P class="p486 ft3">Regeringen anser att det ur ett konsumentperspektiv visserligen kan vara en fördel att reglerna om kontohavarens ansvar i händelse av obehöriga transaktioner samlas i en lag. Det kan dock, som <SPAN class="ft4">Sveriges</SPAN></P>
<P class="p489 ft23"><SPAN class="ft62">advokatsamfund </SPAN>påpekar, finnas ett värde även för konsumenter att samla</P>
<P class="p15 ft3">194</P>
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<DIV id="page_195">
<DIV>
<DIV id="id_1">
<P class="p513 ft64">de bestämmelser som genomför andra betaltjänstdirektivet i en och samma lag. För en sådan lösning talar särskilt att direktivet innehåller nya regler som även gäller ansvaret för obehöriga transaktioner när en leverantör av betalningsinitieringstjänster medverkar vid transaktionen samt när betalningsmottagaren eller dennes betaltjänstleverantör inte krävt stark kundautentisering (artiklarna 73.1 och 73.2 samt 74.2). Att dela upp dessa bestämmelser mellan lagen om obehöriga transaktioner med betalningsinstrument och betaltjänstlagen gör, enligt regeringens uppfattning, inte lagstiftningen mer lättillgänglig för konsumenterna och det framstår inte heller i övrigt som ändamålsenligt. Även bestämmelserna om betaltjänstanvändarens respektive betaltjänstleverantörens skyldig- heter vid utgivning och användning av betalningsinstrument är i dag uppdelade mellan de två lagarna. Regleringen i denna del blir mer överskådlig om den samlas i en lag. Sammantaget anser regeringen, i likhet med utredningen, att reglerna i andra betaltjänstdirektivet på detta område bör samlas i betaltjänstlagen.</P>
<P class="p759 ft5">Nästa fråga är om de aktuella bestämmelserna, som Lagrådet och Konsumentverket förordar, bör placeras i ett eget kapitel i betaltjänst- lagen. De främsta argumenten för en sådan placering är att bestämmel- serna har stor praktisk betydelse varför det är angeläget att de är så lättillgängliga och överskådliga som möjligt. Lagrådet påpekar även att en placering i 5 kap. som i lagrådsremissens förslag innebär att bestämmelsen i betaltjänstlagen om befrielse från ansvar i fall av osedvanliga eller oförutsägbara omständigheter (5 kap. 32 §) blir tillämplig i situationer när en obehörig transaktion har skett, trots att någon sådan reglering inte finns i lagen om obehöriga transaktioner med betalningsinstrument.</P>
<P class="p774 ft5">Regeringen instämmer i huvudsak med vad Lagrådet anför när det gäller denna fråga. De bestämmelser som rör ansvarsfördelningen efter att en obehörig transaktion har skett bör tas in i ett eget kapitel i betaltjänstlagen. När det däremot gäller den bestämmelse som rör kontohavaren eller betaltjänstanvändarens skyldigheter med avseende på ett betalningsinstrument (4 § lagen om obehöriga transaktioner med betalningsinstrument), bör denna tas in i 5 kap. betaltjänstlagen, eftersom det finns ett värde att där samla bestämmelserna om betaltjänst- användarens respektive betaltjänstleverantörens skyldigheter vid utgiv- ning och användning av betalningsinstrument.</P>
<P class="p801 ft4">Tillämpningsområdet för bestämmelserna</P>
<P class="p802 ft6">Lagrådet tar även upp frågan om tillämpningsområdet för bestämmel- serna om obehöriga transaktioner, och därmed konsumentskyddet, möjligen blir snävare genom att bestämmelserna samlas i betaltjänstlagen. I detta sammanhang framhåller Lagrådet de undantag som görs i betaltjänstlagen för vissa transaktioner och lagens definition av betal- tjänstleverantör.</P>
<P class="p759 ft40">I betaltjänstlagen anges vissa transaktioner som är undantagna från lagens tillämpningsområde (1 kap. 7 §). Ingen av de angivna transak- tionerna torde i något fall genomföras med hjälp av ett betalnings- instrument, varför de inte skulle omfattas av tillämpningsområdet för lagen om obehöriga transaktioner med betalningsinstrument (se 1 §).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">195</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_196">
<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p3 ft7">I andra betaltjänstdirektivet finns emellertid även ett undantag som gäller</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">för mindre betalningar för inköp av digitalt innehåll (artikel 3 l). Om en</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">sådan transaktion skulle genomföras med hjälp av t.ex. en personlig kod</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">torde den, som Lagrådet påpekar, i dag omfattas av tillämpningsområdet</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">för lagen om obehöriga transaktioner med betalningsinstrument. I första</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">betaltjänstdirektivet tog motsvarande undantag sikte på situationen att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">leverantören tillför ett mervärde. Eftersom en sådan tjänst inte utgör en</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">betaltjänst ansåg regeringen vid genomförandet av det direktivet att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">undantaget var överflödigt och inte behövde tas in i betaltjänstlagen</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">(prop. 2009/10:220 s. 118). Eftersom undantaget har ändrats till att i</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">andra betaltjänstdirektivet även omfatta situationer när leverantören</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">enbart agerar som mellanhand föreslås i avsnitt 6.3.4 att ett motsvarande</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">undantag tas in i betaltjänstlagen. Med hänsyn till att det aktuella</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">undantaget endast gäller för mindre transaktioner som inte överstiger ett</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">värde om 50 euro – vilket motsvarar den självrisk som kontohavaren</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">ändå kan få stå för (se närmare om detta i avsnitt 8.4.4) – anser</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">regeringen att detta undantag även bör gälla med avseende på</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">bestämmelserna om obehöriga transaktioner. Regeringen anser således</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">inte att det finns anledning att reglera ansvaret för obehöriga transak-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">tioner när det gäller dessa transaktioner. Det innebär att allmänna</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">fordringsrättsliga principer gäller i dessa situationer. Av dessa principer</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">följer bl.a. att en betaltjänstanvändare som utgångspunkt inte ansvarar för</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">en obehörig transaktion (se prop. 2009/10:122 s. 23).</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft6">När det gäller frågan om vilka företag som omfattas av betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">lagens definition av betaltjänstleverantör kan konstateras att definitionen</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">motsvarar den i andra betaltjänstdirektivet (se 1 kap. 3 § betaltjänstlagen</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">och artikel 4.1 i direktivet). Som Lagrådet framhåller omfattas även den</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">som inte har rätt att tillhandahålla sådana tjänster – men ändå gör det <NOBR>–av</NOBR></P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">tillämpningsområdet för lagen om obehöriga transaktioner med</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">betalningsinstrument. Dessa kommer dock enligt lagrådsremissens</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">förslag inte att omfattas av bestämmelserna om obehöriga transaktioner i</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">betaltjänstlagen. I likhet med Lagrådet anser regeringen att det finns goda</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">skäl att ge konsumenterna ett motsvarande skydd som betaltjänstlagen</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">ger i den situationen. Som Lagrådet påpekar kan detta ske genom</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">exempelvis analogisk tillämpning av lagens bestämmelser på de avtal</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">som faller utanför det uttryckliga tillämpningsområdet eller med stöd av</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">36 § lagen (1915:218) om avtal och andra rättshandlingar på</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">förmögenhetsrättens område (i det följande benämnd avtalslagen). Hur</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">dessa frågor bör bedömas i ett enskilt fall bör enligt regeringen överlåtas</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">till rättstillämpningen.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p31 ft5">Lagrådet anser vidare att det bör utvecklas vilken betydelse reglerna</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">om obehöriga transaktioner i betaltjänstlagen är tänkta att få i fråga om</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">ansvar för obehöriga transaktioner i internationella situationer och hur</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">bestämmelserna förhåller sig till regleringen i Europaparlamentets och</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">rådets förordning (EG) nr 593/2008 av den 17 juni 2008 om tillämplig</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">lag för avtalsförpliktelser (Rom <NOBR>I-förordningen).</NOBR> Som framgår i</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">avsnitt 6.2 ska betaltjänstlagen tillämpas på betaltjänster som tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">hålls i Sverige och utförs inom EES (1 kap. 1 §). Som Lagrådet påpekar</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">innebär detta en skillnad i förhållande till lagen om obehöriga transak-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">tioner med betalningsinstrument som inte innehåller någon reglering om</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">196</P></TD>
<TD class="tr28 td93"><P class="p3 ft5">lagens tillämplighet i internationella situationer. Det bör därför närmare</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_197">
<DIV>
<DIV id="id_1">
<P class="p758 ft3">undersökas i vilken utsträckning lagrådsremissens förslag i praktiken medför en förändring när det gäller tillämpligheten av reglerna om obehöriga transaktioner i internationella situationer.</P>
<P class="p611 ft5">I vilken utsträckning svensk rätt ska tillämpas vid en internationell lagkonflikt avgörs i första hand utifrån Rom <NOBR>I-förordningen.</NOBR> Enligt Rom <NOBR>I-förordningen</NOBR> ska avtal som ingås av en konsument med en närings- idkare vara underkastade lagen i det land där konsumenten har sin vanliga vistelseort under förutsättning att näringsidkaren bedriver verk- samhet där eller på något sätt riktar sin verksamhet dit (artikel 6). Detta innebär enligt regeringen att det vid tillhandahållande av betaltjänster i konsumentförhållanden i de flesta fall bör vara en förutsättning att betal- tjänsten tillhandahålls i Sverige för att svensk rätt ska vara tillämplig. Även betaltjänstlagen kräver för sin tillämplighet att betaltjänsten ska tillhandahållas i Sverige. För att betaltjänstlagen ska vara tillämplig gäller därutöver att betalningstransaktionen ska ha utförts inom EES. En betalningstransaktion kan vara utförd inom EES även om en del av transaktionen – t.ex. den del som avser en betalningsmottagare och dennes betaltjänstleverantör – utförs i ett land utanför EES (jfr 1 kap. 1 § betaltjänstlagen och artikel 2.3 och 2.4 i andra betaltjänstdirektivet). Även om betalningsmottagaren vid en obehörig transaktion finns utanför EES kommer således, om kontohavarens betaltjänstleverantör tillhanda- hållit betaltjänsten i Sverige, transaktionen vara utförd inom EES och betaltjänstlagen vara tillämplig. Regeringen gör mot denna bakgrund bedömningen att det inte innebär någon inskränkning av praktisk betydelse av tillämpningsområdet i internationella situationer om bestämmelserna överförs till betaltjänstlagen.</P>
<P class="p748 ft64">Tillämpningsområdet för bestämmelserna om obehöriga transaktioner bör i övrigt i huvudsak överensstämma med vad som i dag gäller enligt lagen om obehöriga transaktioner med betalningsinstrument. Som fram- går i avsnitt 5.3.15 omfattar den nya definition av obehöriga transak- tioner som föreslås i betaltjänstlagen dock inte enbart transaktioner som har genomförts med ett betalningsinstrument, utan även andra transak- tioner som genomförts utan samtycke från innehavaren av ett konto eller någon annan som enligt kontoavtalet är behörig att använda kontot. Det betyder att enligt förslaget blir tillämpningsområdet för vissa av bestämmelserna vidare än i det nuvarande regelverket. Som framgår i avsnitt 6.3.3 bör, liksom i dag, även betalningsinstrument som används i ett begränsat nätverk omfattas av bestämmelserna om obehöriga transak- tioner trots att dessa betalningsinstrument i övrigt är undantagna från betaltjänstlagens tillämpningsområde. Liksom enligt nuvarande ordning bör bestämmelserna gälla i förhållande till både konsumenter och näringsidkare, men vara tvingande till konsumentens förmån (se avsnitt 6.5).</P>
<P class="p794 ft4">Terminologi</P>
<P class="p663 ft124">När det gäller terminologin i lagen om obehöriga transaktioner med betalningsinstrument används kontohavare som beteckning på den som ingått ett avtal med en betaltjänstleverantör. Lagrådet föreslår att denna beteckning behålls. Termen betalare passar inte i sammanhanget, framför allt med hänsyn till den definition av denna term som finns i betaltjänst-</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">197</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_198">
<DIV id="dimg1">
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<TABLE cellpadding=0 cellspacing=0 class="t85">
<TR height=0>
<TD width=113px></TD>
<TD width=41px></TD>
<TD width=54px></TD>
<TD width=21px></TD>
<TD width=12px></TD>
<TD width=31px></TD>
<TD width=34px></TD>
<TD width=41px></TD>
<TD width=26px></TD>
<TD width=64px></TD>
<TD width=27px></TD>
<TD width=43px></TD>
</TR>
<TR>
<TD class="tr22 td28"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=11 class="tr22 td93"><P class="p3 ft3">lagen (1 kap. 4 §), och som bygger på att det rör sig om en godkänd</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=11 class="tr15 td93"><P class="p3 ft5">transaktion. Regeringen instämmer i Lagrådets bedömning att termen</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=11 class="tr16 td93"><P class="p3 ft7">kontohavare bör användas i bestämmelserna om obehöriga transaktioner</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=11 class="tr16 td93"><P class="p3 ft6">för att identifiera den som innehar det konto från vilket en obehörig</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td96"><P class="p3 ft5">transaktion har skett.</P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=11 class="tr16 td93"><P class="p17 ft6">Lagrådet påpekar även att termen konto bör användas i stället för</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=11 class="tr16 td93"><P class="p3 ft5">betalkonto, för att tydliggöra att bestämmelserna om obehöriga trans-</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=11 class="tr15 td93"><P class="p3 ft3">aktioner inte bara avser obehöriga transaktioner från det som i</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td107"><P class="p3 ft6">betaltjänstlagen</P></TD>
<TD colspan=3 class="tr16 td103"><P class="p3 ft6">definieras</P></TD>
<TD class="tr16 td74"><P class="p3 ft6">som</P></TD>
<TD colspan=2 class="tr16 td98"><P class="p3 ft6">betalkonto</P></TD>
<TD class="tr16 td103"><P class="p326 ft6">(se prop.</P></TD>
<TD colspan=2 class="tr16 td208"><P class="p17 ft5">2009/10:220</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td318"><P class="p3 ft7">s. <NOBR>92–94).</NOBR> Regeringen instämmer med Lagrådet.</P></TD>
<TD class="tr16 td103"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=11 class="tr15 td93"><P class="p17 ft3">I andra betaltjänstdirektivet används uttrycken bedrägligt beteende</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td96"><P class="p3 ft6">(skäl 71), bedrägeri</P></TD>
<TD colspan=3 class="tr16 td31"><P class="p172 ft5">(artikel 73.1)</P></TD>
<TD colspan=2 class="tr16 td98"><P class="p3 ft6">och handlat</P></TD>
<TD class="tr16 td103"><P class="p803 ft7">bedrägligt</P></TD>
<TD colspan=2 class="tr16 td208"><P class="p17 ft6">(artikel 74.1</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=11 class="tr16 td93"><P class="p3 ft5">andra stycket a), vilket kan jämföras med den engelska språkversionen</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=11 class="tr15 td93"><P class="p3 ft3">där uttrycken fraudulent behaviour (skäl 71), fraud (artikel 73.1) och</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft6">acted</P></TD>
<TD colspan=2 class="tr16 td79"><P class="p3 ft6">fraudulently</P></TD>
<TD colspan=3 class="tr16 td31"><P class="p170 ft5">(artikel 74.1</P></TD>
<TD class="tr16 td81"><P class="p181 ft6">andra</P></TD>
<TD colspan=3 class="tr16 td209"><P class="p803 ft5">stycket a) används.</P></TD>
<TD class="tr16 td20"><P class="p17 ft6">Enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=11 class="tr16 td93"><P class="p3 ft5">regeringens uppfattning är det inte oproblematiskt att använda ett uttryck</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft3">som är</P></TD>
<TD class="tr15 td158"><P class="p74 ft5">identiskt</P></TD>
<TD colspan=2 class="tr15 td66"><P class="p70 ft3">med</P></TD>
<TD class="tr15 td164"><P class="p146 ft3">eller</P></TD>
<TD class="tr15 td74"><P class="p146 ft3">liknar</P></TD>
<TD colspan=3 class="tr15 td201"><P class="p41 ft3">en brottsbeteckning i</P></TD>
<TD colspan=2 class="tr15 td208"><P class="p17 ft7">brottsbalken.</P></TD>
</TR>
<TR>
<TD class="tr21 td28"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td81"><P class="p3 ft23">I lagen</P></TD>
<TD colspan=3 class="tr21 td84"><P class="p72 ft23">om obehöriga</P></TD>
<TD colspan=3 class="tr21 td128"><P class="p181 ft7">transaktioner med</P></TD>
<TD colspan=3 class="tr21 td209"><P class="p135 ft7">betalningsinstrument</P></TD>
<TD class="tr21 td20"><P class="p17 ft7">används</P></TD>
</TR>
</TABLE>
<P class="p647 ft3">i stället uttrycket svikligt handlande (7 §). Enligt regeringens mening är detta uttryck, som anknyter till avtalslagen (30 §), mer ändamålsenligt i förhållande till syftet med direktivet. Uttrycket är välbekant för de professionella aktörerna på området eftersom det används i de allmänna avtalsvillkoren hos flertalet av dessa. Uttrycket svikligt förfarande bör därför användas i de bestämmelser som enligt förslagen i denna proposition ska föras över till betaltjänstlagen.</P>
<P class="p804 ft37"><SPAN class="ft35">8.3</SPAN><SPAN class="ft136">Skyldigheter vid utgivning och användning av betalningsinstrument</SPAN></P>
<P class="p805 ft133"><SPAN class="ft42">8.3.1</SPAN><SPAN class="ft139">Villkor för utgivning och användning av betalningsinstrument</SPAN></P>
<P class="p642 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Betaltjänstleverantören ska se till att villkoren för utgivning och användning av betalningsinstrument är objektiva, <NOBR>icke-diskriminerande</NOBR> och proportionella.</P>
<P class="p806 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft3">det.</P>
<P class="p486 ft6"><SPAN class="ft80">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet före- skrivs att betaltjänstanvändare som har rätt att använda ett betalnings- instrument ska använda det i enlighet med villkoren för utgivande och användning av betalningsinstrumentet, som måste vara objektiva, icke- diskriminerande och proportionella (artikel 69.1 a). Det finns inte något motsvarande krav i första betaltjänstdirektivet.</P>
<P class="p486 ft40">Betaltjänstleverantörens skyldigheter avseende ett betalningsinstru- ment regleras i betaltjänstlagen (5 kap. 5 §). I denna bestämmelse finns i dag inte några krav som motsvarar de nya kraven i andra betaltjänst-</P>
<P class="p489 ft113">direktivet. Ett sådant krav bör därför införas.</P>
<P class="p15 ft3">198</P>
</DIV>
<DIV id="page_199">
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<P class="p565 ft3">I direktivet är kraven på objektivitet, <NOBR>icke-diskriminering</NOBR> och propor- Prop. 2017/18:77 tionalitet allmänt hållna. Regeringen gör emellertid bedömningen, mot</P>
<P class="p566 ft64">bakgrund av vad som anges i skälen till direktivet (skäl 69), att kraven innebär att leverantören i villkoren inte får ställa krav på betaltjänst- användaren som begränsar användningen av betalningsinstrumentet mer än vad som behövs för att t.ex. skydda de personliga behörighetsfunk- tionerna så att risken för bedrägerier eller andra former av missbruk minskar. Villkoren får inte heller hindra användaren från att använda sig av andra betaltjänstleverantörers tjänster, som t.ex. leverantörer av betal- ningsinitieringstjänster eller kontoinformationstjänster. Huruvida en betaltjänstleverantörs villkor för utgivning och användning av betalnings- instrument i det enskilda fallet uppfyller de angivna kraven får prövas av Finansinspektionen och ytterst avgöras i rättstillämpningen.</P>
<P class="p807 ft110"><SPAN class="ft42">8.3.2</SPAN><SPAN class="ft109">Skyldigheter avseende betalningsinstrument</SPAN></P>
<P class="p808 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Betaltjänstanvändaren ska</P>
<P class="p809 ft3"><SPAN class="ft7">–</SPAN><SPAN class="ft32">skydda de personliga behörighetsfunktioner som är knutna till betalningsinstrumentet,</SPAN></P>
<P class="p810 ft6"><SPAN class="ft7">–</SPAN><SPAN class="ft33">vid vetskap om att betalningsinstrumentet har kommit bort eller obehörigen använts snarast anmäla detta till betaltjänstleverantören, och</SPAN></P>
<P class="p809 ft3"><SPAN class="ft7">–</SPAN><SPAN class="ft32">i övrigt följa de villkor som enligt avtalet gäller för användning av betalningsinstrumentet.</SPAN></P>
<P class="p752 ft3">Betaltjänstleverantören ska se till att de personliga behörighets- funktioner som är knutna till betalningsinstrumentet inte görs tillgäng- liga av leverantören för andra än den betaltjänstanvändare som har rätt att använda betalningsinstrumentet.</P>
<P class="p546 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p54 ft3">det.</P>
<P class="p57 ft64"><SPAN class="ft129">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska betaltjänstanvändare som har rätt att använda ett betalningsinstrument använda betalningsinstrumentet i enlighet med villkoren för utgivande och användning av betalningsinstrumentet och utan onödigt dröjsmål underrätta betaltjänstleverantören, eller den enhet som den senare angett, så snart de erfar att betalningsinstrumentet förlorats, stulits, missbrukats eller använts utan auktorisation (artikel 69.1). En betaltjänstanvändare ska vidare, så snart han eller hon mottagit betalningsinstrumentet, vidta alla rimliga åtgärder för att skydda sina personliga säkerhetsbehörighets- uppgifter (artikel 69.2). Den betaltjänstleverantör som ger ut ett betal- ningsinstrument ska förvissa sig om att specifika säkerhetsbehörighets- uppgifter inte är tillgängliga för andra än den betaltjänstanvändare som har rätt att använda dem (artikel 70.1 a).</P>
<P class="p369 ft40">Motsvarande regler finns i första betaltjänstdirektivet, men där används uttrycket personliga säkerhetsanordningar (artiklarna 56.2 och 57.1 a). Dessa regler har i svensk rätt genomförts i bestämmelser i betaltjänst- lagen (5 kap. 5 § första stycket) och lagen om obehöriga transaktioner</P>
<P class="p54 ft113">med betalningsinstrument (4 §). I avsnitt 8.2 föreslås att sistnämnda lag</P>
<P class="p160 ft3">199</P>
</DIV>
<DIV id="page_200">
<P class="p811 ft76">Prop. 2017/18:77 ska upphöra att gälla och att bestämmelserna i den lagen ska föras över till betaltjänstlagen.</P>
<P class="p634 ft6">I de nämnda bestämmelserna i de båda lagarna används uttrycket personlig kod i stället för uttrycket personliga säkerhetsanordningar som används i första betaltjänstdirektivet. Det uttrycket har i andra betal- tjänstdirektivet alltså ersatts med personliga säkerhetsbehörighetsupp- gifter.</P>
<P class="p726 ft64">I avsnitt 8.2 föreslås att bestämmelserna i lagen om obehöriga transak- tioner med betalningsinstrument ska föras över till betaltjänstlagen.</P>
<P class="p726 ft64">När det gäller terminologin definieras personliga säkerhetsbehörighetsupp- gifter i andra betaltjänstdirektivet som ”personligt anpassade funktioner som betaltjänstleverantören tillhandahåller betaltjänstanvändaren för autentiseringsändamål” (artikel 4.31). Definitionen får anses ha en mer vidsträckt innebörd och omfatta andra funktioner än en personlig kod. Exempel på sådana funktioner kan vara användningen av biometrisk information, t.ex. att en betalning autentiseras med hjälp av betalarens fingeravtryck. Andra exempel kan vara s.k. irisskanning eller röstigen- känning. Troligen kommer det i en nära framtid även att utvecklas andra funktioner för autentiseringsändamål, som är säkrare än användningen av en personlig kod. I avsnitt 5.3.5 gör regeringen bedömningen att i betal- tjänstlagen bör uttrycket personlig behörighetsfunktion användas i stället för personliga säkerhetsbehörighetsuppgifter. Det bör därför anges i lagen att betaltjänstanvändarens respektive betaltjänstleverantörens skyldighet omfattar skydd av betaltjänstanvändarens personliga behörighetsfunk- tioner och alltså inte som i nuvarande bestämmelse endast skydd av en personlig kod.</P>
<TABLE cellpadding=0 cellspacing=0 class="t99">
<TR>
<TD class="tr51 td150"><P class="p159 ft42">8.3.3</P></TD>
<TD class="tr51 td319"><P class="p72 ft110">Avgifter som får belasta betaltjänstanvändaren</P></TD>
</TR>
<TR>
<TD class="tr20 td150"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td319"><P class="p72 ft110">vid förlust av betalningsinstrument eller en</P></TD>
</TR>
<TR>
<TD class="tr22 td150"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td319"><P class="p72 ft110">obehörig transaktion</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr14 td309"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td310"><P class="p228 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Det ska vara avgiftsfritt för betaltjänstanvänd-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td310"><P class="p228 ft5">aren att anmäla till betaltjänstleverantören att betalningsinstrumentet</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td310"><P class="p228 ft5">har kommit bort eller obehörigen använts. Betaltjänstleverantören får</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td310"><P class="p228 ft6">dock ta ut en avgift för de kostnader som är direkt hänförliga till</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td315"><P class="p75 ft3">ersättandet av betalningsinstrumentet.</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td316"><P class="p31 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td316"><P class="p31 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr16 td150"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td319"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td150"><P class="p31 ft80">Skälen</P></TD>
<TD class="tr16 td319"><P class="p3 ft6"><SPAN class="ft80">för regeringens förslag: </SPAN>I andra betaltjänstdirektivet har,</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td316"><P class="p3 ft5">i förhållande till första betaltjänstdirektivet, tillkommit regler som innebär</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr21 td316"><P class="p3 ft23">att betaltjänstleverantören ska ge användaren möjlighet att avgiftsfritt</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t93">
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">lämna en underrättelse om att ett betalningsinstrument förlorats, stulits,</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft7">missbrukats eller använts utan auktorisation och i alla händelser endast ta</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">ut avgift för ersättningskostnader som direkt kan hänföras till betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">ningsinstrumentet (artikel 70.1 d).</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p432 ft5">Betaltjänstleverantörens skyldigheter avseende ett betalningsinstru-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">ment regleras i betaltjänstlagen (5 kap. 5 §). I lagen regleras inte vilka</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr19 td138"><P class="p196 ft7">200</P></TD>
<TD class="tr20 td301"><P class="p305 ft5">avgifter betaltjänstleverantören får ta ut i anledning av att ett betalnings-</P></TD>
</TR>
<TR>
<TD class="tr43 td301"><P class="p3 ft116"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_201">
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<P class="p557 ft3">instrument förkommit eller använts obehörigen. För att genomföra Prop. 2017/18:77 reglerna i direktivet i denna del bör det införas en bestämmelse i betal-</P>
<P class="p576 ft3">tjänstlagen om att det ska vara avgiftsfritt för betaltjänstanvändaren att lämna en underrättelse om att betalningsinstrumentet har förkommit eller använts obehörigen och att avgift får tas ut endast för ersättnings- kostnader som är direkt hänförliga till betalningsinstrumentet. Sådana kostnader kan t.ex. avse ersättningskort, utskick av ny <NOBR>PIN-kod</NOBR> eller nytt BankID.</P>
<P class="p812 ft97"><SPAN class="ft35">8.4</SPAN><SPAN class="ft117">Ansvar vid obehöriga transaktioner</SPAN></P>
<P class="p813 ft112"><SPAN class="ft42">8.4.1</SPAN><SPAN class="ft111">Betaltjänstleverantörens ansvar att återställa den drabbade kontohavarens konto</SPAN></P>
<P class="p814 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Har det genomförts en obehörig transaktion från en kontohavares konto, ska kontohavarens betaltjänstleverantör, som huvudregel, återställa kontot till den ställning det skulle ha haft om den obehöriga transaktionen inte genomförts. Återställandet ska ske omedel- bart och senast i slutet av den bankdag som inträffar efter det att leverantören har fått kännedom om den obehöriga transaktionen. Om det finns anledning att misstänka att transaktionen är behörig, har betaltjänstleverantören dock rätt till en skälig tid för att undersöka saken.</P>
<P class="p815 ft3">Om kontot inte återställs omedelbart eller senast i slutet av den bankdag som inträffar efter det att betaltjänstleverantören har fått kännedom om transaktionen, ska leverantören skriftligen underrätta Finansinspektionen om anledningen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t100">
<TR>
<TD class="tr22 td298"><P class="p661 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens</P></TD>
<TD class="tr22 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">förslag. Utredningens förslag avviker från regeringens förslag genom att</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft7">det i utredningens förslag anges att Finansinspektionen ska underrättas</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">för att det ska finnas en rätt till skälig tid att undersöka transaktionen,</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft7">men det anges inte vid vilken tidpunkt sådan underrättelse ska ske. Enligt</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft7">utredningens förslag ska betaltjänstleverantören ha rätt att undersöka den</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft7">misstänkta transaktionen endast om leverantören har rimlig anledning att</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">misstänka att kontohavaren genom svikligt handlande bidragit till den</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">obehöriga transaktionen.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5"><SPAN class="ft78">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">har inget att invända mot det. <SPAN class="ft41">Svenska Bankföreningen </SPAN>anser att uttrycket</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft6">”har fått kännedom om transaktionen” i lagtexten bör ändras till ”har</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft6">noterat den obehöriga transaktionen”. Vidare önskar Svenska Bank-</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft7">föreningen ett klargörande om samtliga transaktioner som ger upphov till</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft6">misstanke om svikligt handlande behöver anmälas till Finansinspek-</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">tionen. Föreningen anser även att det behöver klargöras vid vilken tid-</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">punkt leverantören ska anmäla till Finansinspektionen och hur inspek-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">tionen ska hantera anmälningarna.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft7">betalarens betaltjänstleverantör som huvudregel omedelbart betala tillbaka</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft6">beloppet för en obehörig transaktion till betalaren (artikel 73.1). Åter-</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr2 td298"><P class="p661 ft7">betalning ska göras senast i slutet av bankdagen efter det att leverantören</P></TD>
<TD class="tr2 td78"><P class="p17 ft3">201</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_202">
<TABLE cellpadding=0 cellspacing=0 class="t93">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p3 ft7">har noterat eller underrättats om transaktionen. Om leverantören har rimlig</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">anledning att misstänka bedrägeri och skriftligen meddelar den berörda</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">nationella myndigheten detta ska leverantören dock medges skälig tid för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">att genomföra en undersökning före återbetalningen (artikel 73.1).</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">I skälen till direktivet anges att om det finns en allvarlig misstanke om att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">en obehörig transaktion är resultatet av betaltjänstanvändarens bedrägliga</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">beteende och om denna misstanke bygger på objektiva grunder, bör</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">betaltjänstleverantören ha möjlighet att inom rimlig tid genomföra en</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">undersökning innan återbetalning sker (skäl 71).</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft6">Med betalare avses i reglerna i direktivet inte den person som har</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">genomfört den obehöriga transaktionen, utan den person som är inne-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">havare av det konto som debiterats den obehöriga transaktionen. Som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">utvecklas i avsnitt 8.2 är termen betalare i detta sammanhang missvisande</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">eftersom definitionen av betalare i betaltjänstlagen tar sikte på den person</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">som godkänt betalningen (1 kap. 4 §). I avsnitt 8.2 föreslås därför att termen</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">kontohavare ska användas i bestämmelserna om obehöriga transaktioner i</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">betaltjänstlagen.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft6">Även i första betaltjänstdirektivet finns en regel om betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">leverantörens omedelbara återbetalningsansvar i samband med obehöriga</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">transaktioner (artikel 60.1), men i det direktivet anges ingen sista tid-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">punkt för när återbetalning ska ske och där regleras inte heller betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">leverantörens rätt till en viss tidsfrist för att undersöka misstänkta trans-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">aktioner.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft5">De nu aktuella reglerna i första betaltjänstdirektivet behandlades vid</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">införandet av lagen om obehöriga transaktioner med betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">instrument. Regeringen fann då att det inte behövdes någon uttrycklig</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">bestämmelse om att betaltjänstleverantören är skyldig att omedelbart</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">betala tillbaka det belopp som motsvarar transaktionen. Regeringen</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">ansåg att detta framgår av bestämmelserna om att kontohavaren i vissa</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">fall helt eller delvis ska stå för beloppet (prop. 2009/10:122 s. 20). Det</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">innebär att betaltjänstleverantören redan i dag är skyldig att omedelbart</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">betala tillbaka det belopp som motsvarar transaktionen, utom i de fall då</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">kontohavaren ska stå för förlusten.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft5">Visserligen framgår indirekt av nuvarande bestämmelser i lagen om</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">obehöriga transaktioner med betalningsinstrument att återbetalning ska</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">göras omedelbart om det inte förhåller sig så att betalaren ska ansvara för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">hela eller delar av det belopp som avser den obehöriga transaktionen. Med</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">hänsyn till de tillägg som gjorts i andra betaltjänstdirektivet om under</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">vilka förutsättningar och när återbetalning ska göras, anser regeringen</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">dock att en uttrycklig bestämmelse om omedelbar återbetalning bör in-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">föras i betaltjänstlagen.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft6"><SPAN class="ft4">Svenska Bankföreningen </SPAN>anser att uttrycket ”har fått kännedom om</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">transaktionen” i lagtexten bör ändras till ”har noterat den obehöriga</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">transaktionen”. Regeringen bedömer att termen ”kännedom” är lämp-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">ligare än ”noterat” för att beskriva vilken vetskap betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">ska ha om transaktionen, men att det i lagtexten bör tydliggöras att det</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">handlar om en obehörig transaktion.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft6">När det gäller det undantag från den omedelbara återbetalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">skyldigheten som framgår av direktivet ska enligt utredningens förslag</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">rätten till en skälig tid för att undersöka saken gälla endast när det finns</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">202</P></TD>
<TD class="tr28 td93"><P class="p3 ft5">anledning att misstänka att kontohavaren genom svikligt handlande har</P></TD>
</TR>
</TABLE>
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<P class="p490 ft3">bidragit till transaktionen. <SPAN class="ft4">Lagrådet </SPAN>påpekar att betaltjänstdirektivet Prop. 2017/18:77 emellertid bör förstås så att tiden ska gälla i alla de situationer där det</P>
<P class="p521 ft6">finns anledning att misstänka att de aktuella transaktionerna i själva verket är behöriga. Regeringen instämmer med Lagrådet. Det bör därför anges i betaltjänstlagen att en betaltjänstleverantör har rätt till en skälig tid att undersöka saken om det finns anledning att misstänka att transak- tionen är behörig.</P>
<P class="p12 ft6">Vidare bör betaltjänstleverantören åläggas en skyldighet att rapportera sin misstanke kring transaktionen och skälen för den till Finansinspek- tionen. Att betaltjänstleverantören är skyldig att redovisa sina misstankar bör minska risken för att leverantörer slentrianmässigt hänvisar till en misstanke om att betalaren har handlat svikligt för att undkomma ett omedelbart betalningsansvar.</P>
<P class="p467 ft5"><SPAN class="ft41">Svenska Bankföreningen </SPAN>tar upp frågan om betaltjänstleverantören all- tid måste underrätta Finansinspektionen vid varje misstanke om svikligt handlande och vid vilken tidpunkt en sådan underrättelse ska ske samt hur inspektionen ska hantera underrättelserna. Regeringen uppfattar att direktivet innebär att en underrättelse ska lämnas till Finansinspektionen vid varje tillfälle som en betaltjänstleverantör utnyttjar rätten till en skälig tid att undersöka om transaktionen är behörig och därmed inte återställer kontot senast i slutet av den bankdag som inträffar efter det att betaltjänstleverantören har fått kännedom om transaktionen. Under- rättelsen ska ske i direkt anslutning till att betaltjänstleverantören ut- nyttjar rätten till en skälig tid att undersöka transaktionen. Hur under- rättelserna ska hanteras av den behöriga myndigheten anser regeringen är en fråga för Finansinspektionen som inte bör regleras i lag.</P>
<P class="p816 ft110"><SPAN class="ft42">8.4.2</SPAN><SPAN class="ft125">Valuteringsdag vid återställande av kontot</SPAN></P>
<P class="p545 ft59"><SPAN class="ft94">Regeringens förslag: </SPAN>När ett konto ska återställas efter en obehörig transaktion ska valuteringsdagen för kreditering av kontohavarens konto bestämmas till senast den dag då beloppet debiterades.</P>
<P class="p715 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p54 ft3">det.</P>
<P class="p57 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska betalarens betaltjänstleverantör vid en obehörig transaktion återställa det debiterade betalkontot till den ställning som skulle ha förelegat om den obehöriga transaktionen inte hade ägt rum, vilket ska säkerställa att valuteringsdagen (dvs. den tidpunkt som används för att beräkna räntan) för krediteringen av betalarens betalkonto inte infaller senare än den dag då beloppet har debiterats (artikel 73.1 andra och tredje meningarna). Dessa regler är nya i förhållande till första betaltjänstdirektivet.</P>
<P class="p12 ft3">I avsnitt 8.4.1 föreslås att det i betaltjänstlagen ska införas en uttrycklig bestämmelse om betaltjänstleverantörens skyldighet att återställa ett konto vid obehöriga transaktioner.</P>
<P class="p57 ft151">För att genomföra andra betaltjänstdirektivet i denna del bör det tas in en bestämmelse i betaltjänstlagen om att valuteringsdagen för kreditering</P>
<P class="p790 ft3">203</P>
</DIV>
<DIV id="page_204">
<DIV id="dimg1">
<INGENBILD zsrc="H50377204x1.jpg/" id="img1">
</DIV>
<P class="p817 ft76">Prop. 2017/18:77 av kontohavarens konto ska bestämmas till senast den dag då beloppet debiterades.</P>
<P class="p818 ft153"><SPAN class="ft42">8.4.3</SPAN><SPAN class="ft152">Ansvar när den obehöriga transaktionen initierats av en leverantör av betalningsinitieringstjänster</SPAN></P>
<P class="p741 ft59"><SPAN class="ft94">Regeringens förslag: </SPAN>Den kontoförvaltande betaltjänstleverantören ska återställa kontot, även om den obehöriga transaktionen har initierats av en leverantör av betalningsinitieringstjänster.</P>
<P class="p556 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft6">det.</P>
<P class="p486 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Av andra betaltjänstdirektivet följer att även om betalningstransaktionen initieras av en leverantör av betal- ningsinitieringstjänster ska den kontoförvaltande betaltjänstleverantören omedelbart, och i alla händelser senast i slutet av följande bankdag, betala tillbaka ett belopp som motsvarar den obehöriga transaktionen och i tillämpliga fall återställa det debiterade betalkontot till den ställning det skulle ha haft om transaktionen inte hade ägt rum (artikel 73.2 första stycket). Om en leverantör av betalningsinitieringstjänster är ansvarig för den obehöriga transaktionen ska den på den kontoförvaltande leveran- törens begäran omedelbart ersätta denne för förluster eller betalda belopp till följd av återbetalningen till betalaren, inbegripet beloppet för den obehöriga transaktionen (artikel 73.2 andra stycket).</P>
<P class="p540 ft3">De nämnda reglerna har ingen motsvarighet i första betaltjänst- direktivet. För att genomföra dessa bör det komma till uttryck i betal- tjänstlagen att det är den kontoförvaltande betaltjänstleverantören som ska återställa kontot även om en leverantör av betalningsinitierings- tjänster medverkat vid transaktionen.</P>
<P class="p482 ft3">Ansvarsfördelningen mellan de två betaltjänstleverantörerna i en transaktion behandlas närmare i avsnitt 7.2.15, där frågor om ansvar för leverantörer av betalningsinitieringstjänster tas upp.</P>
<P class="p819 ft153"><SPAN class="ft42">8.4.4</SPAN><SPAN class="ft152">Kontohavarens ansvar vid obehöriga transaktioner till följd av att kontohavaren inte har skyddat sin personliga behörighetsfunktion</SPAN></P>
<P class="p820 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Om obehöriga transaktioner har kunnat genom- föras till följd av att kontohavaren inte har skyddat sin personliga behörighetsfunktion, ska kontohavaren ansvara för beloppet, dock högst 400 kronor.</P>
<P class="p543 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att enligt utredningens förslag ska betaltjänstleverantören få kräva att konto- havaren ska stå för beloppet om den obehöriga transaktionen har kunnat genomföras till följd av att ett betalningsinstrument kommit bort eller</P>
<P class="p489 ft3">obehörigen använts och att detta inte ska gälla om kontohavaren inte</P>
<P class="p821 ft3">204</P>
</DIV>
<DIV id="page_205">
<DIV>
<DIV id="id_1">
<P class="p729 ft3">kunnat upptäcka att betalningsinstrumentet kommit bort eller använts obehörigen innan den obehöriga transaktionen genomfördes eller om betaltjänstleverantören har orsakat den förlust som uppkommit till följd av den obehöriga transaktionen.</P>
<P class="p604 ft6"><SPAN class="ft80">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p145 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet får betalaren vid alla <NOBR>icke-auktoriserade</NOBR> betalningstransaktioner åläggas att stå för sådana förluster upp till 50 euro som är en följd av att ett förlorat eller stulet betalningsinstrument har använts eller av att ett betalnings- instrument missbrukats (artikel 74.1 första stycket).</P>
<P class="p145 ft5">I motsvarande regler i första betaltjänstdirektivet anges att betal- tjänstanvändaren ska stå för sådana förluster vid alla <NOBR>icke-auktoriserade</NOBR> betalningstransaktioner, upp till högst 150 euro, som är en följd av att ett förlorat eller stulet betalningsinstrument använts eller, om betalaren har underlåtit att skydda de personliga säkerhetsanordningarna, av att ett betalningsinstrument missbrukats (artikel 61.1).</P>
<P class="p822 ft3">I andra betaltjänstdirektivet har det tillkommit regler (artikel 74.1 andra stycket) som innebär att betalaren dock inte ska vara ansvarig för den obehöriga transaktionen om</P>
<P class="p702 ft6"><SPAN class="ft7">a)</SPAN><SPAN class="ft120">förlusten, stölden eller missbruket av ett betalningsinstrument inte kunde upptäckas av betalaren innan en betalning utfördes, med undantag för om betalaren handlat bedrägligt, eller</SPAN></P>
<P class="p823 ft3"><SPAN class="ft3">b)</SPAN><SPAN class="ft145">förlusten orsakades av agerande eller brist på agerande av en betal- tjänstleverantörs anställda, ombud, filialer eller enheter till vilka dennes verksamhet utkontrakterats.</SPAN></P>
<P class="p824 ft70">Enligt lagen om obehöriga transaktioner med betalningsinstrument an- svarar kontohavaren för ett begränsat belopp – en självrisk – om en obe- hörig transaktion kunnat genomföras till följd av att kontohavaren under- låtit att skydda sin personliga kod (5 §). Denna självrisk (dvs. det högsta beloppet som kontohavaren kan få stå för) uppgår i dag till 1 200 kronor.</P>
<P class="p145 ft5">Utredningen föreslår att det inte ska göras någon koppling mellan självrisken och skyddet av personliga behörighetsfunktioner eftersom den ovan nämnda regeln i direktivet (artikel 74.1 första stycket) inte gör det. I stället bör det, enligt utredningen, anges i betaltjänstlagen att kontohavaren får åläggas att stå för den förlust som är hänförlig till en obehörig transaktion upp till ett belopp om 400 kronor om transaktionen kunnat genomföras till följd av att ett betalningsinstrument förkommit eller missbrukats. <SPAN class="ft41">Lagrådet </SPAN>framhåller emellertid att reglerna i första och andra betaltjänstdirektivet inte skiljer sig åt i grunden och ger ett inte obetydligt utrymme vid genomförandet (se även regeringens resonemang i prop. 2009/10:122 s. 15 f. och artikel 60.3 i första betaltjänstdirektivet). Enligt andra betaltjänstdirektivet får medlemsstaterna begränsa konto- havarens ansvar för självrisken och gå längre i konsumentskyddet än direktivets regler, om kontohavaren inte har handlat bedrägligt eller avsiktligen underlåtit att uppfylla sina skyldigheter med avseende på betalningsinstrument eller personliga säkerhetsbehörighetsuppgifter (artikel 74.1 fjärde stycket).</P>
<P class="p825 ft59">Mot bakgrund av regleringen i direktivet får, som Lagrådet framhåller, den grundläggande tanken med direktivet anses vara att kontohavaren</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">205</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_206">
<TABLE cellpadding=0 cellspacing=0 class="t85">
<TR>
<TD class="tr22 td28"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p3 ft5">ska stå för självrisken för en obehörig transaktion när han eller hon kan</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">lastas för den på något sätt. Lagrådet anser mot denna bakgrund att</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">bestämmelsen om självrisk bör utformas i närmare anslutning till vad</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">som gäller enligt den nuvarande regleringen. Regeringen instämmer med</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">Lagrådet. Bestämmelsen om självrisk bör därför, till skillnad från vad</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">utredningen föreslår, utformas på så sätt att det görs en koppling mellan</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">kontohavarens skyldighet att stå för ett självriskbelopp och dennes</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">underlåtenhet att skydda sin personliga behörighetsfunktion.</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft7">När gäller vilket belopp självrisken ska uppgå till har detta genom andra</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">betaltjänstdirektivet sänkts från 150 euro till 50 euro. Det belopp som i dag</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">anges i lagen om obehöriga transaktioner med betalningsinstrument (5 §)</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">bör därför sänkas i motsvarande mån, dvs. från 1 200 kronor till</P></TD>
</TR>
<TR>
<TD class="tr20 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft3">400 kronor.</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t95">
<TR>
<TD class="tr50 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr50 td153"><P class="p169 ft42">8.4.5</P></TD>
<TD class="tr50 td283"><P class="p826 ft42">Kontohavarens ansvar vid grovt oaktsamma</P></TD>
</TR>
<TR>
<TD class="tr28 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td283"><P class="p27 ft42">överträdelser av förpliktelserna vid användning av</P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p827 ft42">betalningsinstrument</P></TD>
</TR>
<TR>
<TD class="tr42 td134"><P class="p3 ft114"> </P></TD>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td289"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Om obehöriga transaktioner har kunnat genom-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">föras till följd av att kontohavaren genom grov oaktsamhet har brutit</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">mot de förpliktelser som gäller för användning av betalningsinstru-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">ment, ska kontohavaren ansvara för hela beloppet.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p636 ft5">I konsumentförhållanden ska ansvaret vid grov oaktsamhet begrän-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">sas till högst 12 000 kronor. Har konsumenten handlat särskilt klan-</P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td289"><P class="p41 ft3">dervärt, ska han eller hon dock ansvara för hela beloppet.</P></TD>
</TR>
<TR>
<TD class="tr47 td288"><P class="p3 ft130"> </P></TD>
<TD colspan=2 class="tr46 td295"><P class="p3 ft8"> </P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td93"><P class="p90 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">betalaren stå för samtliga förluster till följd av obehöriga transaktioner</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">om betalaren ådrog sig dem genom att handla bedrägligt eller genom att</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">avsiktligen eller med grov vårdslöshet underlåta att uppfylla en eller flera</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">av sina skyldigheter med avseende på betalningsinstrument och person-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">liga behörighetsfunktioner (artikel 74.1 tredje stycket).</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft5">Som framgår i avsnitt 8.4.4 får medlemsstaterna begränsa betalarens</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">ansvar om betalaren varken handlat bedrägligt eller avsiktligen underlåtit</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">att uppfylla sina skyldigheter, varvid särskild hänsyn ska tas till arten av</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">de personliga behörighetsfunktioner (i det första betaltjänstdirektivet</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">kallat personliga säkerhetsanordningar) och till de särskilda omstän-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">digheter under vilka betalningsinstrumentet förlorades, stals eller miss-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">brukades (artikel 74.1 fjärde stycket).</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft6">Motsvarande regler finns i första betaltjänstdirektivet (artikel 61.1–</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td153"><P class="p511 ft5">61.3).</P></TD>
<TD class="tr16 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft3">Enligt lagen om obehöriga transaktioner med betalningsinstrument</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">ansvarar kontohavaren för hela beloppet om en obehörig transaktion har</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">kunnat genomföras till följd av att kontohavaren har åsidosatt någon av</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">sina skyldigheter enligt lagen genom grov oaktsamhet (6 §). Vid genom-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">förandet i svensk rätt av de nu aktuella reglerna i första betaltjänst-</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr19 td134"><P class="p512 ft7">206</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft7">direktivet fann regeringen att parterna i viss mån bör dela på ansvaret vid</P></TD>
</TR>
<TR>
<TD class="tr43 td153"><P class="p3 ft116"> </P></TD>
<TD class="tr43 td283"><P class="p3 ft116"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_207">
<P class="p476 ft3">en obehörig transaktion, även i de fall då betalaren anses ha varit grovt Prop. 2017/18:77 oaktsam (jfr prop. 2009/10:122 s. 17 f.). Grunden för en sådan ansvars-</P>
<P class="p477 ft3">fördelning var ambitionen att uppmuntra användningen av kontokort och andra betalningsinstrument. Samtidigt anförde regeringen att det ekonomiska ansvaret borde vara kännbart så att kontohavaren i det längsta ska försöka följa de villkor som gäller för användningen av betalningsinstrumentet (jfr samma prop. s. 18). Mot denna bakgrund in- fördes alltså en takregel om 12 000 kronor för konsumenter. Regeringen finner inte skäl att nu göra någon annan bedömning. Liksom i dag bör dock konsumenten även i fortsättningen ansvara för hela beloppet om han eller hon har handlat särskilt klandervärt.</P>
<TABLE cellpadding=0 cellspacing=0 class="t73">
<TR>
<TD class="tr51 td82"><P class="p28 ft42">8.4.6</P></TD>
<TD class="tr51 td320"><P class="p73 ft110">Ansvaret när stark kundautentisering inte har</P></TD>
<TD class="tr51 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr22 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td320"><P class="p73 ft110">använts</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
<TD class="tr42 td146"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Om stark kundautentisering inte har använts för</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft7">en elektronisk betalningstransaktion som omfattas av bestämmelserna</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">om stark kundautentisering, ska kontohavarens betaltjänstleverantör</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">ansvara för hela beloppet för de obehöriga transaktionerna. Detta ska</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft7">dock inte gälla om betalaren genom svikligt förfarande har orsakat eller</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">bidragit till de obehöriga transaktionerna.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p153 ft7">Om betalningsmottagaren eller dennes betaltjänstleverantör inte har</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft5">krävt stark kundautentisering, ska den part som inte krävt detta ersätta</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft7">kontohavarens betaltjänstleverantör för den förlust som drabbat denne.</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr46 td286"><P class="p3 ft8"> </P></TD>
<TD class="tr47 td146"><P class="p3 ft130"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr22 td93"><P class="p90 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">förslag. Utredningens förslag avviker från regeringens förslag genom att</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">utredningens förslag innebär att betalningsmottagaren och dennes betal-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">tjänstleverantör ska ersätta betalarens betaltjänstleverantör om någon av</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">dem inte godtagit stark kundautentisering.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p90 ft7"><SPAN class="ft115">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">har inget att invända mot det. <SPAN class="ft4">Förvaltningsrätten i Stockholm </SPAN>anför att</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">utredningens förslag innebär att betalningsmottagaren och dennes betal-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">tjänstleverantör blir solidariskt ersättningsskyldiga gentemot betalarens</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">betaltjänstleverantör, vilket troligen inte är syftet med bestämmelsen.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet finns en</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">definition av stark kundautentisering (artikel 4.30). Detta definieras som</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">”en autentisering som grundas på två eller flera element, kategoriserade</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">som kunskap (något som bara användaren vet), innehav (något som bara</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">användaren har) och unik egenskap (något som användaren är), som är</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">fristående från varandra så att det faktum att någon har kommit över ett</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">av elementen inte äventyrar de andra elementens tillförlitlighet, och som</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">är utformad för att skydda autentiseringsuppgifternas sekretess” och</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">innebär ett relativt högt krav på säkerhet vid autentisering av betalnings-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">transaktioner (se närmare om detta uttryck i avsnitten 5.3.4 och 11.4).</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p90 ft3">I direktivet regleras ansvaret för obehöriga transaktioner när stark</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">kundautentisering inte har använts (artikel 74.2). Om betalarens betal-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">tjänstleverantör inte kräver stark kundautentisering ska betalaren, enligt</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">direktivet, bära de ekonomiska konsekvenserna av en obehörig transak-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td93"><P class="p3 ft7">tion bara om betalaren har handlat bedrägligt. Om betalningsmottagaren</P></TD>
<TD rowspan=2 class="tr50 td146"><P class="p17 ft3">207</P></TD>
</TR>
<TR>
<TD class="tr40 td82"><P class="p3 ft17"> </P></TD>
<TD class="tr40 td320"><P class="p3 ft17"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_208">
<P class="p498 ft64">Prop. 2017/18:77 eller dennes betaltjänstleverantör inte godtar stark kundautentisering ska de ersätta den ekonomiska skada som vållats betalarens betaltjänstleveran- tör. Betalarens betaltjänstleverantör tillerkänns i det sistnämnda fallet alltså en regressrätt. Regeln i direktivet bör förstås som att den gäller betalningstransaktioner på vilka reglerna om stark kundautentisering ska tillämpas, dvs. elektroniska betalningstransaktioner som initieras av betalaren (se avsnitt 11.4). Vidare bör regeln förstås som att den ska gälla dels vid åsidosättande av skyldigheterna att kräva stark kundautenti- sering, dels när ett undantag från dessa krav tillämpas i enlighet med tekniska standarder som antagits av kommissionen (se samma avsnitt). Ansvarsfördelningen bör också gälla för de aktuella betalningstransak- tionerna under tiden till dess att betaltjänstleverantörerna blir skyldiga att kräva stark kundautentisering för dem (se avsnitt 15.1).</P>
<P class="p487 ft5">Den nu aktuella regleringen bestämmer ansvaret i två olika avseenden när stark kundautentisering inte tillämpas: dels mellan kontohavaren och dennes betaltjänstleverantör, dels mellan kontohavarens betaltjänst- leverantör och betalningsmottagaren och dennes betaltjänstleverantör. I det förstnämnda avseendet svarar kontohavarens betaltjänstleverantör alltid i förhållande betaltjänstanvändaren såvida inte kontohavaren handlat svikligt. Det spelar alltså ingen roll vem som underlåtit att kräva stark kundautentisering. I det andra avseendet gäller att betalnings- mottagaren eller dennes betaltjänstleverantör i vissa fall i sin tur ska ersätta kontohavarens betaltjänstleverantör för den förlust som upp- kommit. För att ersättning ska komma i fråga är det här en förutsättning att betalningsmottagaren eller dennes betaltjänstleverantör kan välja att inte tillämpa stark kundautentisering. Ersättning kan alltså komma i fråga t.ex. när en kortbetalning initierats utan att betalningsmottagaren eller dennes betaltjänstleverantör har krävt stark kundautentisering. Någon ersättning kommer däremot inte i fråga för transaktioner där tillämp- ningen av stark kundautentisering är inom kontohavarens betaltjänst- leverantörs kontroll, t.ex. vid en betalningstransaktion som initieras av kontohavaren genom dennes internetbank. Mot den här bakgrunden framstår det, i linje med vad <SPAN class="ft41">Lagrådet </SPAN>påpekar, som bättre att vid genomförandet av direktivet utforma ersättningsregeln så att den tar sikte på att betalningsmottagaren eller dennes leverantör inte har ”krävt” stark kundautentisering än att någon av dem – så som det uttrycks i andra betaltjänstdirektivet – inte ”godtagit” det. Vid genomförandet bör det även beaktas att det i förhållandet mellan betaltjänstanvändaren och dennes betaltjänstleverantör inte spelar någon roll vilken part som underlåtit att tillämpa stark kundautentisering.</P>
<P class="p828 ft64">I enlighet med vad som anförs ovan bör det för obehöriga transaktioner när stark kundautentisering inte har använts tas in dels en bestämmelse om kontohavarens betaltjänstleverantörs ansvar i förhållande till konto- havaren, dels en bestämmelse om när betalningsmottagaren eller dennes betaltjänstleverantör ska ersätta kontohavarens betaltjänstleverantör. I förhållande till sin betaltjänstleverantör ska kontohavaren bara stå för beloppet vid en obehörig transaktion om kontohavaren genom svikligt förfarande (se närmare om detta uttryck i avsnitt 8.2) har orsakat eller bidragit till transaktionen. Bestämmelserna kan antas medföra ytterligare incitament för betaltjänstleverantörerna att använda stark kundautentisering,</P>
<P class="p268 ft3">208</P>
</DIV>
<DIV id="page_209">
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<P class="p490 ft3">eftersom de annars riskerar att få stå för hela beloppet vid en obehörig Prop. 2017/18:77 transaktion även om betalaren har agerat grovt oaktsamt.</P>
<P class="p57 ft5">När det gäller ersättning från betalningsmottagaren eller dennes betal- tjänstleverantör till kontohavarens betaltjänstleverantör är en fråga vilken part (dvs. betalningsmottagaren eller dennes betaltjänstleverantör) som är ersättningsskyldig gentemot kontohavarens betaltjänstleverantör. Enligt direktivet ska ”de” ersätta betalarens betaltjänstleverantör (artikel 74.2). <SPAN class="ft41">Förvaltningsrätten i Stockholm </SPAN>anför att utredningens förslag innebär att betalningsmottagaren och dennes betaltjänstleverantör blir solidariskt ersättningsskyldiga gentemot betalarens betaltjänstleverantör. Den engelska språkversionen av direktivet (”Where the payee or the payment service provider of the payee fails to accept strong customer authentication, it shall refund the financial damage caused to the payer’s payment service provider”) talar för att avsikten inte är att både betalningsmottagaren och dennes betaltjänstleverantör ska ansvara för skadan, utan att den part som inte krävt stark kundautentisering ska vara ersättningsskyldig. Regeringen anser mot denna bakgrund att bestäm- melsen i betaltjänstlagen även i detta avseende bör få en annan utformning än den som utredningen föreslår.</P>
<P class="p749 ft110"><SPAN class="ft42">8.4.7</SPAN><SPAN class="ft125">Ansvar efter spärranmälan</SPAN></P>
<P class="p692 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Nuvarande bestämmelser i lagen om obehöriga transaktioner med betalningsinstrument om kontohavarens ansvar efter det att han eller hon anmält till betaltjänstleverantören att betalningsinstrumentet ska spärras förs över till betaltjänstlagen.</P>
<P class="p715 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p54 ft3">det.</P>
<P class="p57 ft64"><SPAN class="ft129">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska en betaltjänstanvändare som har rätt att använda ett betalningsinstrument utan onödigt dröjsmål underrätta betaltjänstleverantören så snart den erfar att betalningsinstrument förlorats, stulits, missbrukats eller använts utan auktorisation (artikel 69.1 b). Efter en sådan underrättelse ska betalaren inte bära några ekonomiska konsekvenser av användningen av ett betalningsinstrument som förlorats, stulits eller missbrukats, såvida betalaren inte har handlat bedrägligt (artikel 74.3 första stycket). Om betaltjänstleverantören inte erbjuder ett lämpligt sätt att anmäla att ett betalningsinstrument förlorats, stulits eller missbrukats (i enlighet med kraven i artikel 70.1 c) ska kontohavaren inte ansvara för de ekonomiska konsekvenserna av betalningsinstrumentets användning, såvida betalaren inte har handlat bedrägligt (artikel 74.3 andra stycket).</P>
<P class="p370 ft124">Dessa regler i andra betaltjänstdirektivet motsvarar dem i första betal- tjänstdirektivet, som har genomförts i svensk rätt i en bestämmelse i lagen om obehöriga transaktioner med betalningsinstrument (7 §). Denna bestämmelse bör därför oförändrad föras över till betaltjänstlagen.</P>
<P class="p829 ft3">209</P>
</DIV>
<DIV id="page_210">
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<TABLE cellpadding=0 cellspacing=0 class="t101">
<TR>
<TD class="tr50 td214"><P class="p3 ft3">Prop. 2017/18:77 <SPAN class="ft110">8.4.8</SPAN></P></TD>
<TD class="tr50 td321"><P class="p3 ft110">Underrättelse och rättelse vid obehöriga</P></TD>
</TR>
<TR>
<TD class="tr28 td214"><P class="p3 ft154"> </P></TD>
<TD class="tr28 td321"><P class="p3 ft42">transaktioner och kontohavarens ansvar för</P></TD>
</TR>
<TR>
<TD class="tr20 td214"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td321"><P class="p3 ft110">annan behörig persons hantering av</P></TD>
</TR>
<TR>
<TD class="tr22 td214"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td321"><P class="p3 ft110">betalningsinstrument</P></TD>
</TR>
</TABLE>
<P class="p830 ft64"><SPAN class="ft129">Regeringens förslag: </SPAN>Nuvarande bestämmelser i lagen om obehöriga transaktioner med betalningsinstrument om kontohavarens ansvar vid sena underrättelser och kontohavarens ansvar för andra, enligt konto- avtalet behöriga, personers handlande förs över till betaltjänstlagen.</P>
<P class="p601 ft40">Det är den kontoförvaltande betaltjänstleverantören som ska under- rättas om en obehörig betalningstransaktion av kontohavaren, även om en leverantör av betalningsinitieringstjänster har initierat den obehöriga transaktionen.</P>
<P class="p640 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft3">det.</P>
<P class="p486 ft70"><SPAN class="ft126">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska en betaltjänstanvändare få rättelse av betaltjänstleverantören endast om an- vändaren, när den får kännedom om obehöriga eller felaktigt genomförda betalningstransaktioner, underrättar sin leverantör utan onödigt dröjsmål och senast 13 månader efter debiteringsdagen (artikel 71.1 fösta stycket). Dessa tidsfrister gäller inte om betaltjänstleverantören varken har lämnat eller tillgängliggjort information om betalningstransaktionen i enlighet med reglerna i avdelning III i direktivet (artikel 71.1).</P>
<P class="p831 ft3">Motsvarande regler finns i första betaltjänstdirektivet (artikel 58).</P>
<P class="p486 ft5">I andra betaltjänstdirektivet har det dock tillkommit ett klargörande om att betaltjänstanvändaren ska få rättelse av den kontoförvaltande betal- tjänstleverantören om en leverantör av betalningsinitieringstjänster är involverad i transaktionen (artikel 71.2; denna artikel behandlas, när det gäller det ansvar som ankommer på betaltjänstleverantören i samband med felaktigt genomförda transaktioner, i avsnitt 7.2.16).</P>
<P class="p540 ft64">I lagen om obehöriga transaktioner med betalningsinstrument finns en bestämmelse som genomför de nu aktuella reglerna i första betaltjänst- direktivet (8 §). Den bestämmelsen bör föras över till betaltjänstlagen. Mot bakgrund av det ovan nämnda klargörandet i andra betaltjänstdirektivet om den kontoförvaltande betaltjänstleverantörens ansvar vid obehöriga transaktioner initierade av andra betaltjänstleverantörer (artikel 71.2) anser regeringen att det är lämpligt att det tydliggörs även i betaltjänst- lagen att det alltid är den kontoförvaltande betaltjänstleverantören som ska underrättas om en obehörig betalningstransaktion av betalaren. Detta bör alltså gälla även om en leverantör av betalningsinitieringstjänster medverkat vid genomförandet av transaktionen.</P>
<P class="p832 ft70">Enligt lagen om obehöriga transaktioner med betalningsinstrument ska, om någon annan än kontohavaren enligt avtal är behörig att använda ett betalningsinstrument, den andre personens handlande räknas som om kontohavaren själv hade handlat vid bedömningen om kontohavaren ansvarar för något belopp (9 §). Denna bestämmelse har inte någon motsvarighet i varken första eller andra betaltjänstdirektivet. Det är sannolikt vanligt att även någon annan än innehavaren av ett betalkonto</P>
<P class="p672 ft3">210</P>
</DIV>
<DIV id="page_211">
<P class="p476 ft3">är behörig att använda ett betalningsinstrument som är kopplat till kontot. Prop. 2017/18:77 Regeringen anser att det därmed finns ett värde, särskilt ur konsument-</P>
<P class="p656 ft3">synpunkt, att frågan om andra behöriga personers ansvar vid obehöriga transaktioner är reglerat i lag. Bestämmelsen bör därför föras över till betaltjänstlagen.</P>
<P class="p833 ft156"><SPAN class="ft31">9</SPAN><SPAN class="ft155">Tillträde till betalningssystem och tillgång till betalkontotjänster hos kreditinstitut</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t102">
<TR>
<TD class="tr27 td81"><P class="p23 ft35">9.1</P></TD>
<TD class="tr27 td294"><P class="p153 ft97">Tillträde till betalningssystem</P></TD>
<TD class="tr27 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr41 td284"><P class="p3 ft108"> </P></TD>
<TD class="tr48 td146"><P class="p3 ft131"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p228 ft7"><SPAN class="ft115">Regeringens förslag: </SPAN>Deltagare i ett betalningssystem enligt lagen om</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p228 ft7">system för avveckling av förpliktelser på finansmarknaden som ger en</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p228 ft5">betaltjänstleverantör som inte är deltagare i systemet möjlighet att</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p228 ft7">sända överföringsorder genom systemet, ska ge även andra betaltjänst-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p228 ft5">leverantörer som begär det motsvarande möjlighet. Detta ska ske på</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p228 ft3">ett objektivt, <NOBR>icke-diskriminerande</NOBR> och proportionellt sätt. Tillträde</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p228 ft5">ska inte få hindras i större utsträckning än vad som är nödvändigt för</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p178 ft5">att skydda mot risker i verksamheten och för att skydda betalnings-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p228 ft5">systemets finansiella och operativa stabilitet. Det ska inte heller vara</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p178 ft6">tillåtet att diskriminera betaltjänstleverantörer på grund av den</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p178 ft5">juridiska form i vilken deras verksamhet drivs. Om en begäran om till-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft7">träde nekas, ska deltagaren ge betaltjänstleverantören skälen för detta.</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p497 ft5">Finansinspektionen ska samråda med Konkurrensverket innan en</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p228 ft5">tillsynsåtgärd eller ett ingripande vidtas mot en deltagare i ett betal-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p228 ft7">ningssystem för överträdelse av bestämmelserna i betaltjänstlagen om</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p228 ft5">tillträde och mot ett kreditinstitut för överträdelse av bestämmelserna</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td286"><P class="p41 ft3">om tillgång till betalkonto.</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr22 td93"><P class="p297 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">förslag. Utredningens förslag avviker från regeringens förslag genom att</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">utredningens förslag innebär att sanktioner vid överträdelse av bestäm-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">melsen om indirekt tillträde till betalningssystem riktas mot betalnings-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">systemet och inte mot deltagaren i systemet.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p297 ft7"><SPAN class="ft115">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">har inget att invända mot det. <SPAN class="ft41">Sveriges riksbank </SPAN>och <SPAN class="ft41">Bankgirocentralen</SPAN></P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5"><SPAN class="ft41">AB </SPAN>(Bankgirot) anser i likhet med utredningen att det finns en risk att den</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">nya regleringen leder till att direkta deltagare i ett betalningssystem i</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">minskad utsträckning vill agera ombud åt andra aktörer vilket kan skapa</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">stora koncentrationsrisker. Riksbanken anser därför att det är viktigt att</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">tillsynen av de nya bestämmelserna om tillträde till betalningssystem blir</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">tillräcklig. Riksbanken påpekar även att utredningens förslag innebär att</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">sanktioner vid överträdelse av bestämmelsen om indirekt tillträde till</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">betalningssystem ska riktas mot betalningssystemet och inte mot en</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">direkt deltagare i betalningssystemet. <SPAN class="ft41">Svenska Bankföreningen </SPAN>anser att</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td93"><P class="p3 ft7">det endast föreligger en mindre risk att ett fåtal direkta deltagare speciali-</P></TD>
<TD rowspan=2 class="tr39 td146"><P class="p17 ft3">211</P></TD>
</TR>
<TR>
<TD class="tr44 td81"><P class="p3 ft16"> </P></TD>
<TD class="tr44 td294"><P class="p3 ft16"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_212">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">212</P>
</DIV>
<DIV id="id_2">
<P class="p314 ft64">serar sig på att agera ombud åt andra betaltjänstleverantörer och därmed skapar stora koncentrationsrisker, vilket t.ex. bekräftas av att relativt nya, och mindre, deltagare i RIX tagit på sig ombudsrollen. <SPAN class="ft63">Svensk Handel </SPAN>anser att lagen (1999:1309) om system för avveckling av förpliktelser på finansmarknaden behöver moderniseras och att det bör utredas om det finns möjligheter att öppna upp för mer modern kostnadseffektiv teknik, enklare tillträde, annan ägarstruktur m.m. för att möjliggöra en mer kostnadseffektiv konkurrens inom betaltjänstmarknaden.</P>
<P class="p771 ft42">Skälen för regeringens förslag</P>
<P class="p672 ft4">Andra betaltjänstdirektivet</P>
<P class="p528 ft5">Andra betaltjänstdirektivet innehåller regler om betaltjänstleverantörers rätt att få tillträde till betalningssystem (artikel 35). De regler som styr auktoriserade eller registrerade betaltjänstleverantörers tillträde till betalningssystem ska vara objektiva, <NOBR>icke-diskriminerande</NOBR> och propor- tionella (artikel 35.1). Reglerna får inte hindra tillträde i större utsträckning än vad som är nödvändigt för att skydda mot särskilda risker och för att skydda systemets finansiella och operativa stabilitet. Kravet på objektivi- tet, <NOBR>icke-diskriminering</NOBR> och proportionalitet innebär att</P>
<P class="p834 ft40"><SPAN class="ft5">1.</SPAN><SPAN class="ft157">betalningssystem inte får ställa krav på betaltjänstleverantörer som begränsar deras faktiska deltagande i andra betalningssystem,</SPAN></P>
<P class="p835 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft120">betalningssystem inte får införa regler som diskriminerar mellan betaltjänstleverantörer med tillstånd eller mellan registrerade betal- tjänstleverantörer i fråga om deltagarnas rättigheter, skyldigheter och befogenheter, samt</SPAN></P>
<P class="p836 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft119">tillträde till betalningssystem inte får begränsas på grundval av institutets status.</SPAN></P>
<P class="p837 ft3">Reglerna i andra betaltjänstdirektivet om tillträde till betalningssystem (artikel 35.1) motsvarar i allt väsentligt reglerna i första betaltjänst- direktivet (artikel 28.1).</P>
<P class="p463 ft5">I andra betaltjänstdirektivet finns en uppräkning av kategorier av betalningssystem som inte omfattas av direktivets krav i fråga om till- träde till betalningssystem (artikel 35.2). Uppräkningen har fått en något</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr20 td131"><P class="p3 ft3">ändrad lydelse i förhållande</P></TD>
<TD class="tr20 td194"><P class="p17 ft3">till den i första betaltjänstdirektivet</P></TD>
</TR>
<TR>
<TD class="tr21 td131"><P class="p3 ft23">(artikel 28.2). Enligt andra</P></TD>
<TD class="tr21 td194"><P class="p17 ft23">betaltjänstdirektivet (artikel 35.2 första</P></TD>
</TR>
</TABLE>
<P class="p314 ft64">stycket a) gäller inte kraven för betalningssystem som anmälts enligt Europaparlamentets och rådets direktiv 98/26/EG av den 19 maj 1998 om slutgiltig avveckling i system för överföring av betalningar och värde- papper (i det följande benämnt finalitydirektivet), vilket motsvarar det som anges i första betaltjänstdirektivet (artikel 28.2). I andra betaltjänst- direktivet anges vidare att reglerna om tillträde inte heller gäller för betalningssystem som uteslutande består av betaltjänstleverantörer som tillhör samma koncern (artikel 35.2 första stycket b). Det innebär en ändring i förhållande till första betaltjänstdirektivet (artikel 28.2 b). I det direktivet anges att reglerna om tillträde inte gäller för betalningssystem som uteslutande består av betaltjänstleverantörer som tillhör en grupp bestående av enheter med inbördes kapitalanknytning om en av de anknutna enheterna har faktisk kontroll över de andra. I det direktivet anges även att reglerna om tillträde inte heller gäller för betalningssystem där en</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_213">
<DIV>
<DIV id="id_1">
<P class="p513 ft70">enda betaltjänstleverantör – en enda enhet eller en grupp – är ensam ansvarig för systemets ledning och kan verka som både betalarens och betalningsmottagarens betaltjänstleverantör, och den betaltjänst- leverantören tillåter andra betaltjänstleverantörer att delta i systemet och sätta egna priser gentemot betalare och betalningsmottagare men dessa andra betaltjänstleverantörer inte har rätt att förhandla sinsemellan om av- gifter avseende betalningssystemet (artikel 28.2 c). Det sistnämnda undantaget har dock inte någon motsvarighet i andra betaltjänstdirektivet.</P>
<P class="p784 ft5">I andra betaltjänstdirektivet har det i fråga om system som omfattas av finalitydirektivet tillkommit en regel enligt vilken en deltagare i ett anmält system, som tillåter en auktoriserad eller registrerad betaltjänst- leverantör som inte är deltagare i systemet att sända överföringsorder genom systemet, på begäran ska ge andra auktoriserade eller registrerade betaltjänstleverantörer samma möjlighet på ett objektivt, proportionellt och <NOBR>icke-diskriminerande</NOBR> sätt i överensstämmelse med de regler som gäller för tillträde till betalningssystem (artikel 35.2 andra stycket). Syftet är att säkerställa rättvis konkurrens mellan betaltjänstleverantörer (skäl 51). Betaltjänstleverantörer som beviljas sådant tillträde bör emeller- tid inte anses vara deltagare enligt definitionen i finalitydirektivet och åtnjuter därmed inte heller det skydd som ges enligt det direktivet (samma skäl).</P>
<P class="p838 ft3">Vidare följer det av andra betaltjänstdirektivet att deltagaren i ett betalningssystem ska ge den betaltjänstleverantör som begär tillträde till det anmälda systemet en fullständig motivering till ett eventuellt avslag på begäran om tillträde (artikel 35.2 tredje stycket).</P>
<P class="p317 ft4">Genomförande i svensk rätt</P>
<P class="p744 ft70">Reglerna om tillträde till betalningssystem i andra betaltjänstdirektivet (artikel 35.1) motsvarar i allt väsentligt reglerna i första betaltjänst- direktivet (artikel 28.1), som har genomförts i svensk rätt i bestämmelser i betaltjänstlagen (7 kap. 1 och 2 §§). De kriterier i betaltjänstlagen som ska tillämpas i fråga om tillträde till betalningssystem (se prop. 2009/10:220 s. <NOBR>274–276)</NOBR> kan således kvarstå oförändrade.</P>
<P class="p519 ft64">Reglerna om undantag från tillträdeskraven i andra betaltjänstdirektivet (artikel 35.2) har dock en något ändrad lydelse i förhållande till första betaltjänstdirektivet (artikel 28.2). Undantaget gäller fortfarande system som är anmälda enligt finalitydirektivet (artikel 35.2 a, se dock nedan om s.k. indirekt tillträde). Detta undantag har i svensk rätt genomförts i en motsvarande bestämmelse i betaltjänstlagen (7 kap. 3 §). Undantaget av- seende betalningssystem som uteslutande består av betaltjänstleverantörer som tillhör en och samma koncern (artikel 35.2 b) har fått en ny lydelse i andra betaltjänstdirektivet men får anses ha samma innebörd som mot- svarande undantag i första betaltjänstdirektivet (artikel 28.2 b). Reglerna avser system som består av betaltjänstleverantörer som ingår i samma grupp. Sådana system utgör inte generella betalningssystem och de om- fattas därför inte av definitionen av betalningssystem i betaltjänstlagen (1 kap. 4 §). Det innebär att dessa betalningssystem redan på den grunden är undantagna från kravet på att uppställa <NOBR>icke-diskriminerande</NOBR> tillträdes- regler (se samma prop. s. 277). Regeringen finner inte skäl att göra någon</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">213</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_214">
<TABLE cellpadding=0 cellspacing=0 class="t93">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=5 class="tr22 td93"><P class="p3 ft7">annan bedömning i denna del än den som gjordes vid genomförandet av</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td322"><P class="p3 ft3">första betaltjänstdirektivet.</P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td323"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p17 ft6">Första betaltjänstdirektivet innehöll dock ett undantag för betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft7">system där en enda betaltjänstleverantör är ensam ansvarig för systemets</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft5">ledning och kan verka som både betalarens och betalningsmottagarens</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td134"><P class="p3 ft6">betaltjänstleverantör,</P></TD>
<TD class="tr16 td200"><P class="p74 ft6">som</P></TD>
<TD class="tr16 td92"><P class="p181 ft5">t.ex.</P></TD>
<TD class="tr16 td65"><P class="p148 ft6">i</P></TD>
<TD class="tr16 td323"><P class="p17 ft7">trepartsbetalningsordningar</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td134"><P class="p3 ft6">(artikel 28.2 c). Detta</P></TD>
<TD class="tr16 td200"><P class="p3 ft7">undantag</P></TD>
<TD class="tr16 td92"><P class="p181 ft6">har</P></TD>
<TD colspan=2 class="tr16 td324"><P class="p17 ft6">inte någon motsvarighet i andra</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft7">betaltjänstdirektivet, vilket skulle kunna tala för att sådana betalningssystem</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">inte längre är undantagna från reglerna om tillträde. I skälen till andra</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">betaltjänstdirektivet anges emellertid att reglerna om tillträde till betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft5">ningssystem inte bör tillämpas på system som drivs av en enda betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft7">tjänstleverantör, och som exempel på sådana system anges trepartsbetal-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft7">ningsordningar (skäl 52). Syftet med regleringen kan således inte anses</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft5">vara att sådana system numera ska omfattas av kravet på att ställa upp</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5"><NOBR>icke-diskriminerande</NOBR> regler om tillträde. Eftersom de betalningssystem</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">som kan omfattas av detta undantag ofta inte är sådana generella betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft5">ningssystem som omfattas av betaltjänstlagen är de redan av det skälet</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">undantagna från kravet på <NOBR>icke-diskriminerande</NOBR> regler om tillträde. Som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">anfördes vid genomförandet i svensk rätt av första betaltjänstdirektivet</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft3">behövs det dock ett uttryckligt undantag i betaltjänstlagen för dessa</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft7">system, eftersom det kan förekomma att de är generella system som om-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft6">fattas av definitionen av betalningssystem (se samma prop. s. 278).</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p17 ft3">När det gäller system som är anmälda enligt finalitydirektivet har det</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft7">tillkommit en regel i andra betaltjänstdirektivet (artikel 35.2 andra stycket)</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">som bör genomföras i en motsvarande bestämmelse i betaltjänstlagen.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft3">Enligt direktivet ska en deltagare i ett sådant system, som ger en</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft7">auktoriserad eller registrerad betaltjänstleverantör som inte är deltagare i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft7">systemet möjlighet att sända överföringsorder genom systemet, ge samma</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft5">möjlighet på objektiva, proportionella och <NOBR>icke-diskriminerande</NOBR> grunder</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">även till andra auktoriserade eller registrerade betaltjänstleverantörer.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">Denna regel om s.k. indirekt tillträde till betalningssystemet gäller enligt</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft5">direktivet endast i de fall då deltagaren i systemet tillåter en auktoriserad</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">eller registrerad betaltjänstleverantör att få indirekt tillträde till systemet.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">Enligt sin lydelse omfattar regeln således inte rätt till tillträde för t.ex. en</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft3">bank som är betaltjänstleverantör men inte behöver tillstånd för den</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft6">verksamheten. Syftet med reglerna i andra betaltjänstdirektivet om</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">tillträde till betalningssystem är dock att se till att alla betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft7">törer har tillträde till betalningssystemens tekniska infrastruktur (skäl 49),</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft7">och att säkerställa att alla betaltjänstleverantörer som konkurrerar på den</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft7">inre marknaden kan använda tjänsterna i betalningssystemens tekniska</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft7">infrastruktur på lika villkor (skäl 50). Regeringen anser därför att bestäm-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">melserna i betaltjänstlagen om indirekt tillträde bör gälla samtliga betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">tjänstleverantörer, oavsett i vilken form betaltjänstverksamheten drivs.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft7">Således bör termen betaltjänstleverantör användas i lagen. En deltagare</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft7">som tillåter en betaltjänstleverantör att få indirekt tillträde till systemet bör</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">alltså vara skyldig att på ett <NOBR>icke-diskriminerande</NOBR> sätt tillåta andra betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td325"><P class="p3 ft7">tjänstleverantörer att få motsvarande möjlighet.</P></TD>
<TD class="tr15 td323"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p17 ft5">Enligt direktivet ska det indirekta tillträdet ges på ett objektivt, propor-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td93"><P class="p3 ft5">tionellt och <NOBR>icke-diskriminerande</NOBR> sätt enligt samma kriterier som gäller</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td93"><P class="p3 ft5">för rätten till tillträde till betalningssystem (artikel 35.2 andra stycket).</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">214</P></TD>
<TD colspan=5 class="tr28 td93"><P class="p3 ft5">Det innebär att tillträde inte får hindras i större utsträckning än som är</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_215">
<DIV id="dimg1">
<INGENBILD zsrc="H50377215x1.jpg/" id="img1">
</DIV>
<P class="p490 ft3">nödvändigt för att skydda mot risker i verksamheten och för att skydda Prop. 2017/18:77 betalningssystemets finansiella och operativa stabilitet. Det är inte heller</P>
<P class="p566 ft5">tillåtet att diskriminera betaltjänstleverantörer på grund av den juridiska form i vilken deras verksamhet drivs. Detta bör anges i bestämmelsen i betaltjänstlagen. De förarbetsuttalanden som avser tillträde till betal- ningssystem bör kunna ge ledning i frågan om hur det ska bedömas om det indirekta tillträdet erbjuds på ett objektivt, <NOBR>icke-diskriminerande</NOBR> och proportionellt sätt (samma prop. s. <NOBR>274–276).</NOBR></P>
<P class="p57 ft40">Slutligen bör det i betaltjänstlagen, på motsvarande sätt som i direk- tivet, tas in en bestämmelse om att deltagaren i det anmälda systemet ska ge den betaltjänstleverantör som begär tillträde till systemet en motivering till ett sådant nekat tillträde (artikel 35.2 tredje stycket).</P>
<P class="p57 ft5">Det är Finansinspektionen som utövar tillsyn över att betalningssystem- ens regler om tillträde uppfyller kraven i betaltjänstlagen (8 kap. 1 § första stycket). Finansinspektionen ska enligt lagen samråda med Konkurrens- verket innan en tillsynsåtgärd eller ett ingripande vidtas mot den som över- träder bestämmelserna om tillträde i betaltjänstlagen (8 kap. 1 § tredje stycket). Samma regler om tillsyn bör gälla för tillsynen över betaltjänst- leverantörers möjlighet till indirekt tillträde till de nu behandlade betalningssystemen.</P>
<P class="p57 ft64">Som <SPAN class="ft63">Sveriges riksbank </SPAN>påpekar bör sanktioner vid överträdelser av bestämmelsen i betaltjänstlagen om indirekt tillträde till betalningssystem riktas mot en direkt deltagare och inte mot betalningssystemet.</P>
<P class="p57 ft64">I liket med utredningen, <SPAN class="ft63">Sveriges riksbank </SPAN>och <SPAN class="ft63">Bankgirot </SPAN>anser regeringen att det kan finnas en risk att de nya reglerna leder till att direkta deltagare i ett betalningssystem i minskad utsträckning vill agera ombud åt andra aktörer. Enligt <SPAN class="ft63">Svenska Bankföreningen </SPAN>har det emellertid tillkommit relativt nya, och mindre, deltagare som tagit på sig ombudsrollen. Regeringen anser att det kan finnas anledning att bevaka att antalet institut som tar på sig ombudsrollen är tillräckligt många så att betaltjänstleverantörer har möjlighet att få tillgång till betalningssystem. För att säkerställa att betaltjänst- leverantörer har tillgång till betalningssystem är det vidare, som Riks- banken påtalar, viktigt att tillsynen över att de nya bestämmelserna om tillträde till betalningssystem följs blir tillräcklig. Hur den tillsynen ska bedrivas är dock en fråga för Finansinspektionen.</P>
<P class="p839 ft3"><SPAN class="ft4">Svensk Handel </SPAN>anser att lagen om system för avveckling av förplikt- elser på finansmarknaden behöver moderniseras för att möjliggöra en mer kostnadseffektiv konkurrens inom betaltjänstmarknaden. Före- varande lagstiftningsärendet gäller genomförandet i svensk rätt av andra betaltjänstdirektivet. Regeringen anser att en översyn av lagen om system för avveckling av förpliktelser på finansmarknaden inte är en fråga som bör hanteras i detta lagstiftningsärende.</P>
<P class="p664 ft97"><SPAN class="ft35">9.2</SPAN><SPAN class="ft117">Tillgång till betalkontotjänster hos kreditinstitut</SPAN></P>
<P class="p840 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Kreditinstitut ska på objektiva, <NOBR>icke-diskrimi-</NOBR> nerande och proportionella grunder ge betaltjänstleverantörer som begär det tillgång till kreditinstitutets betalkontotjänster. Sådan tillgång</P>
<P class="p841 ft113">ska ges i den omfattning som krävs för att betaltjänstleverantörer</P>
<P class="p160 ft3">215</P>
</DIV>
<DIV id="page_216">
<DIV id="dimg1">
<INGENBILD zsrc="H50377216x1.jpg/" id="img1">
</DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">216</P>
</DIV>
<DIV id="id_2">
<P class="p679 ft3">obehindrat och effektivt ska kunna tillhandahålla sina betaltjänster. Ett kreditinstitut ska meddela Finansinspektionen om en betaltjänst- leverantör nekas tillgång till institutets betalkontotjänster och skälen för detta.</P>
<P class="p626 ft3">Finansinspektionen ska samråda med Konkurrensverket innan en tillsynsåtgärd eller ett ingripande vidtas mot kreditinstitut för överträd- else av bestämmelserna i betaltjänstlagen om tillgång till betalkonto- tjänster.</P>
<P class="p628 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att utred- ningens förslag omfattar en rätt för betalningsinstitut, men inte andra betaltjänstleverantörer, att få tillgång till betalkontotjänster.</P>
<P class="p463 ft5"><SPAN class="ft78">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft41">Sveriges riksbank </SPAN>understryker vikten av tillräcklig tillsyn över att de nya reglerna följs. <SPAN class="ft41">Finansinspektionen </SPAN>anser att rätten till tillgång till betalkontotjänster inte enbart bör gälla betal- ningsinstitut utan även registrerade betaltjänstleverantörer, inklusive leverantörer av kontoinformationstjänster. Vidare anser Finansinspek- tionen att det bör klargöras om ett kreditinstitut har rätt att neka tillgång till betalkonto om det finns en risk för penningtvätt eller finansiering av terrorism, eller om det krävs att det ska föreligga misstanke om penning- tvätt eller finansiering av terrorism. <SPAN class="ft41">Konkurrensverket </SPAN>framhåller betyd- elsen av att leverantörer av betalningsinitierings- eller kontoinforma- tionstjänster och betalningsinstitut får tillgång till betalkonto på konkur- rensneutrala villkor och att de inte missgynnas. <SPAN class="ft41">Svenska Bankföreningen </SPAN>påpekar att det är olyckligt att termen betalkontotjänster används eftersom termen inte är definierad och dess innebörd är oklar. Bank- föreningen föreslår i stället att rätten ska avse tillgången till betalkonto. <SPAN class="ft41">Landex AB </SPAN>anser att även företag som enbart tillhandahåller valuta- växlingstjänster bör ha rätt till tillgång till kreditinstitutens betalkonto- tjänster på objektiva, <NOBR>icke-diskriminerande</NOBR> och proportionella grunder.</P>
<P class="p612 ft42">Skälen för regeringens förslag</P>
<P class="p45 ft4">Andra betaltjänstdirektivet</P>
<P class="p772 ft5">Andra betaltjänstdirektivet (artikel 36) innehåller en ny regel i för- hållande till första betaltjänstdirektivet som innebär att ett betalnings- institut ska ha rätt till tillgång till kreditinstitutens betalkontotjänster på objektiva, <NOBR>icke-diskriminerande</NOBR> och proportionella grunder. Tillgången till betalkontotjänster ska enligt direktivet vara tillräckligt omfattande för att betalningsinstituten ska kunna tillhandahålla betaltjänster på ett obe- hindrat och effektivt sätt. Enligt direktivet ska kreditinstitutet vidare ge den behöriga myndigheten motiverade skäl till ett eventuellt avslag på en begäran om tillgång till dess betalkontotjänster (artikel 36 andra stycket).</P>
<P class="p628 ft40">I skälen till andra betaltjänstdirektivet anges vidare att betaltjänst- leverantörer, när de tillhandahåller en eller flera av de betaltjänster som omfattas av direktivet, alltid bör ha betalkonton som uteslutande används för betalningstransaktioner (skäl 39). För att göra det möjligt för betal- tjänstleverantörerna att tillhandahålla sina betaltjänster måste de kunna öppna och inneha betalkonton i kreditinstitut. Tillgång till sådana konton</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_217">
<DIV>
<DIV id="id_1">
<P class="p513 ft40">bör enligt skälen ges på ett sätt som inte är diskriminerande och som ska stå i proportion till det berättigade syfte som det beviljats för. Tillgången kan vara av grundläggande karaktär, men den bör alltid vara tillräckligt omfattande för att betalningsinstituten ska kunna tillhandahålla sina betaltjänster på ett obehindrat och effektivt sätt.</P>
<P class="p268 ft4">Genomförande i svensk rätt</P>
<P class="p761 ft6">Utredningen föreslår att regeln i andra betaltjänstdirektivet om tillgång till betalkontotjänster ska genomföras i svensk rätt som en rättighet för betalningsinstitut att enligt betaltjänstlagen få tillgång till kreditinsti- tutens betalkontotjänster i den omfattning som krävs för att de obehindrat ska kunna tillhandahålla betaltjänster.</P>
<P class="p784 ft64"><SPAN class="ft63">Svenska Bankföreningen </SPAN>påpekar att termen betalkontotjänster inte definieras i direktivet. Regeringen konstaterar att ledning när det gäller vilka typer av tjänster som avses kan hämtas från beskrivningen i direktivet att tjänsterna ska vara så omfattande att betaltjänstleveran- törerna själva kan tillhandahålla sina tjänster på ett obehindrat sätt (artikel 36 första stycket andra meningen). Det bör förstås som tjänster som är kopplade till ett betalkonto hos ett kreditinstitut och som t.ex. möjliggör debitering eller kreditering av de belopp som hänför sig till de betalningstransaktioner som sker inom betalningssystemet. Regeringen instämmer med Svenska Bankföreningen att rätten till betalkontotjänster i första hand bör förstås som en rätt till tillgång till betalkonto. Direktivet förutsätter dock även tillgång till tjänster i anslutning till betalkontot som är så omfattande att betaltjänstleverantörerna kan tillhandahålla sina tjänster på ett obehindrat sätt. <SPAN class="ft63">Lagrådet </SPAN>föreslår att direktivets term betalkontotjänster ska användas. Regeringen konstaterar att en bestäm- melse med den utformningen, även om termen betalkontotjänster inte definieras, inte kan antas leda till tillämpningsproblem.</P>
<P class="p842 ft4">Finansinspektionen <SPAN class="ft3">och </SPAN>Konkurrensverket <SPAN class="ft3">anser att rätten till betal- konto inte bara bör gälla för betalningsinstitut utan även för registrerade betaltjänstleverantörer.</SPAN></P>
<P class="p611 ft5">I andra betaltjänstdirektivet anges att betalningsinstitut ska få tillgång till kreditinstituts betalkontotjänster (artikel 36 första stycket). Vidare anges att betaltjänstleverantörer som beviljats undantag från tillstånds- plikt och leverantörer av kontoinformationstjänster ska behandlas som betalningsinstitut, med undantag av vissa regler (artikel 32.3 respektive artikel 33.2). Regeln om tillgång till betalkontotjänster (artikel 36) är inte en av dem som undantas. De nämnda betaltjänstleverantörerna är i Sverige registrerade betaltjänstleverantörer. Innebörden av direktivet bör därför anses vara att även registrerade betaltjänstleverantörer ska ha rätt att få tillgång till betalkontotjänster.</P>
<P class="p773 ft6">Regeringen anser därför, i likhet med Finansinspektionen och Konkur- rensverket, att bestämmelserna i betaltjänstlagen om rätten till betal- kontotjänster inte bara bör gälla för betalningsinstitut utan även för registrerade betaltjänstleverantörer. Fråga är därutöver om rätten till betalkontotjänster bör tillkomma även andra betaltjänstleverantörer än de nu angivna.</P>
<P class="p759 ft93">Enligt sin lydelse omfattar regeln inte en rätt till tillgång till betal- kontotjänster för t.ex. ett institut för elektroniska pengar som är betal-</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">217</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_218">
<P class="p498 ft5">Prop. 2017/18:77 tjänstleverantör men som inte behöver tillstånd enligt betaltjänstlagen för den verksamheten. Syftet med reglerna i andra betaltjänstdirektivet om tillgång till betalkontotjänster är dock att samtliga betaltjänstleverantörer, när de tillhandahåller en eller flera av de betaltjänster som omfattas av direktivet, ska ha betalkonton som uteslutande används för betalnings- transaktioner (skäl 39). För att göra det möjligt för betaltjänstleverantörer att tillhandahålla sina betaltjänster måste de kunna öppna och inneha betalkonton i kreditinstitut.</P>
<P class="p500 ft3">Regeringen anser därför, i likhet med vad som föreslås när det gäller indirekt tillträde till betalningssystem (se avsnitt 9.1), att rätten till kredit- instituts betalkontotjänster inte bara bör gälla för betalningsinstitut och registrerade betaltjänstleverantörer utan för samtliga betaltjänstleveran- törer.</P>
<P class="p482 ft6">För att säkerställa att betaltjänstleverantörer kan tillhandahålla sina betal- tjänster på det sätt som anges i direktivet bör det därför på motsvarande sätt i en bestämmelse i betaltjänstlagen anges att de har rätt till tillgång till kreditinstituts betalkontotjänster på objektiva, <NOBR>icke-diskriminerande</NOBR> och proportionella grunder.</P>
<P class="p486 ft5">I likhet med vad som gäller för tillträde till betalningssystem är bedöm- ningsgrunderna i direktivet allmänt hållna (jfr avsnitt 9.1). Det finns inte heller några kriterier angivna i direktivet om vad dessa grunder innebär och hur de ska tillämpas. Det kan dock konstateras att de regler som kreditinstituten ställer upp för att få tillgång till institutets betal- kontotjänster inte får diskriminera betaltjänstleverantörer. I likhet med <SPAN class="ft41">Konkurrensverket </SPAN>anser regeringen att det är viktigt att tillgången till betalkontotjänster ges på konkurrensneutrala villkor. Det får alltså inte förekomma strängare krav på dessa aktörer för att få öppna betalkonton än för andra företag. Betaltjänstleverantörer får inte heller vägras tillgång till betalkontotjänster på andra grunder än vad som skulle gälla för andra näringsidkare som behöver öppna ett betalkonto för att kunna driva sin verksamhet. Det kan emellertid inte anses diskriminerande att kredit- institut kräver att betaltjänstleverantörer omfattas av de tillstånd eller undantag som följer av lag för att få driva verksamhet med betaltjänster. Detsamma torde vara fallet när det gäller krav på att betaltjänst- leverantörer ska följa övrig lagstiftning på finansmarknadsområdet, som t.ex. penningtvättslagen. Ett kreditinstitut som nekar en betaltjänst- leverantör tillgång till institutets betalkontotjänster bör vara skyldigt att meddela detta till Finansinspektionen och ange skälen för den nekade tillgången.</P>
<P class="p500 ft6"><SPAN class="ft4">Landex AB </SPAN>anser att även företag som enbart tillhandahåller valuta- växlingstjänster bör ha rätt till tillgång till kreditinstitutens betalkonto- tjänster på objektiva, <NOBR>icke-diskriminerande</NOBR> och proportionella grunder. Regeringen konstaterar att betaltjänstlagen inte gäller för tjänster som består av valutaväxling genom utbyte av kontanter (1 kap. 6 §). Den fråga som Landex tar upp bör därför inte hanteras i det förevarande lag- stiftningsärendet.</P>
<P class="p501 ft40"><SPAN class="ft39">Finansinspektionen </SPAN>anser att det bör klargöras om ett kreditinstitut har rätt att neka tillgång till betalkonto om det finns en risk för penningtvätt eller finansiering av terrorism, eller om det krävs att det ska föreligga misstanke om penningtvätt eller finansiering av terrorism.</P>
<P class="p15 ft3">218</P>
</DIV>
<DIV id="page_219">
<DIV id="dimg1">
<INGENBILD zsrc="H50377219x1.jpg/" id="img1">
</DIV>
<P class="p843 ft3">Enligt penningtvättslagen får en affärsförbindelse inte etableras om det Prop. 2017/18:77 finns misstanke om att verksamhetsutövarens produkter eller tjänster</P>
<P class="p477 ft64">kommer att användas för penningtvätt eller finansiering av terrorism (3 kap. 2 §). Det innebär att en verksamhetsutövare inte får ingå en affärsförbindelse, om det redan efter inledande kundkännedomsåtgärder finns anledning att misstänka penningtvätt eller finansiering av terrorism. Det förhållandet att ett kreditinstitut i det enskilda fallet bedömer att det föreligger en misstanke om penningtvätt eller finansiering av terrorism, utgör således grund för att avslå en begäran om tillgång till betalkonto. Det kan noteras att det för kreditinstitutet i vissa fall gäller ett med- delandeförbud enligt nämnda lag (4 kap. 9 §), dvs. att misstankar om penningtvätt inte får röjas. Ett sådant meddelandeförbud avser dock granskade transaktioner och således inte presumtiva kunders verksamhet.</P>
<P class="p844 ft6">De allmänt hållna krav som föreslås när det gäller tillgång till betal- kontotjänster innebär att det blir en fråga för Finansinspektionen och ytterst för rättstillämpningen att avgöra om ett kreditinstituts regler för tillgång till dess betalkontotjänster begränsar betaltjänstleverantörernas tillgång på ett sätt som strider mot de nya bestämmelserna i betaltjänst- lagen.</P>
<P class="p479 ft64">Tillsynen över kreditinstitutens villkor om tillträde till betalkontotjänster och bedömningen av om de uppfyller kraven i betaltjänstlagen ankommer på Finansinspektionen. På samma sätt som när det gäller regler om tillsynen över tillträde till betalningssystem bör Konkurrensverket få möjlighet att lämna synpunkter på de åtgärder som Finansinspektionen avser att vidta (se avsnitt 9.1). De fall där Finansinspektionen bör samråda med Konkurrensverket om det är påkallat att vidta åtgärder rör t.ex. om en viss modell för prissättning uppfyller betaltjänstlagens krav på objektivitet, <NOBR>icke-diskriminering</NOBR> och proportionalitet.</P>
<P class="p845 ft3">I likhet med <SPAN class="ft4">Sveriges riksbank </SPAN>anser regeringen att det är viktigt att till- synen över att de nya bestämmelserna i betaltjänstlagen om tillgång till betalkontotjänster följs blir tillräcklig. Hur den tillsynen ska bedrivas är dock en fråga för Finansinspektionen.</P>
<P class="p846 ft105"><SPAN class="ft31">10</SPAN><SPAN class="ft158">Avgifter för betaltjänster och förbud mot vissa avgifter</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t103">
<TR>
<TD class="tr19 td246"><P class="p3 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Bestämmelsen i betaltjänstlagen om att betala-</P></TD>
<TD class="tr19 td208"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td246"><P class="p3 ft3">ren och betalningsmottagaren ska betala de avgifter som deras respek-</P></TD>
<TD class="tr15 td208"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td246"><P class="p3 ft6">tive betaltjänstleverantör tar ut för en betalningstransaktion ska ändras</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td246"><P class="p3 ft6">så att den gäller även för betalningstransaktioner som medför valuta-</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td246"><P class="p3 ft3">växling.</P></TD>
<TD class="tr15 td208"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td246"><P class="p31 ft6"><SPAN class="ft80">Regeringens bedömning: </SPAN>Reglerna i andra betaltjänstdirektivet om</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td246"><P class="p3 ft6">avgiftsuttag i samband med tillhandahållande av betaltjänster ryms i</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td246"><P class="p3 ft3">övrigt inom gällande rätt och kräver inte någon lagstiftningsåtgärd.</P></TD>
<TD class="tr15 td208"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td246"><P class="p31 ft6">Förbudet i betaltjänstlagen för en betalningsmottagare att ta ut avgift</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td246"><P class="p3 ft6">av betalaren vid användning av ett betalningsinstrument bör kvarstå</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td246"><P class="p3 ft3">oförändrat.</P></TD>
<TD rowspan=2 class="tr33 td208"><P class="p17 ft3">219</P></TD>
</TR>
<TR>
<TD class="tr41 td246"><P class="p3 ft108"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_220">
<P class="p817 ft76">Prop. 2017/18:77 <SPAN class="ft135">Utredningens bedömning </SPAN>överensstämmer med regeringens bedöm- ning. Utredningen föreslår inte någon lagändring.</P>
<P class="p482 ft76"><SPAN class="ft135">Remissinstanserna </SPAN>tillstyrker bedömningen eller har inget att invända mot den.</P>
<P class="p847 ft42">Skälen för regeringens förslag och bedömning</P>
<P class="p781 ft4">Andra betaltjänstdirektivet</P>
<P class="p782 ft5">I likhet med första betaltjänstdirektivet innehåller andra betaltjänst- direktivet regler om avgifter (artikel 62). Enligt huvudregeln får en betaltjänstleverantör inte ta ut någon avgift av en betaltjänstanvändare för fullgörandet av sin informationsskyldighet eller för korrigeringsåtgärder och förebyggande åtgärder (artikel 62.1). Undantag gäller för vissa angivna situationer, allt under förutsättning att ramavtalet medger ett avgiftsuttag. Avgifterna ska vara rimliga och stå i proportion till betaltjänstleve- rantörens faktiska kostnader. Reglerna är i stort sett desamma som mot- svarande regler i första betaltjänstdirektivet (artikel 52), som i svensk rätt har genomförts i betaltjänstlagen (5 kap. 1 §).</P>
<P class="p695 ft5">Reglerna om avgiftsfördelning mellan betalare och betalningsmottag- are har emellertid fått en delvis ändrad lydelse. Andra betaltjänst- direktivet innebär att betalaren och betalningsmottagaren ska betala de avgifter som deras respektive betaltjänstleverantör tar ut avsett om trans- aktionen medför någon valutaväxling eller inte (artikel 62.2). Motsvaran- de regler i första betaltjänstdirektivet omfattade emellertid inte sådana betalningstransaktioner som medförde valutaväxling (artikel 52.2).</P>
<P class="p848 ft6">I andra betaltjänstdirektivet har det tillkommit regler om avgiftens storlek när det gäller avgifter som en betalningsmottagare kan ta ut för att styra betalaren i riktning mot användning av ett visst betalningsin- strument. Enligt dessa regler får avgiften inte överskrida betalningsmot- tagarens direkta kostnader för att använda ett visst betalningsinstrument (artikel 62.3).</P>
<P class="p695 ft5">Vidare har det tillkommit krav på att medlemsstaterna under alla omständigheter ska se till att betalningsmottagaren inte tar ut avgifter för användning av sådana kort som omfattas av taknivåerna för förmed- lingsavgifter vid kortbetalningar enligt <NOBR>EU-förordningen</NOBR> om förmedlings- avgifter (artikel 62.4). Detsamma gäller för betalnings- och autogire- ringstransaktioner enligt Europaparlamentets och rådets förordning (EU) nr 260/2012 av den 14 mars 2012 om antagande av tekniska och affärs- mässiga krav för betalningar och autogireringar i euro och om ändring av förordning (EG) nr 924/2009, i det följande benämnd <NOBR>SEPA-förord-</NOBR> ningen (artikel 62.4 i andra betaltjänstdirektivet).</P>
<P class="p549 ft3">Därutöver får medlemsstaterna, liksom enligt första betaltjänstdirektivet, besluta att förbjuda eller begränsa betalningsmottagarens rätt att ta ut tilläggsavgifter utöver vad som följer av direktivet. Det ska i så fall ske med beaktande av behovet av att stimulera konkurrensen och främja användningen av effektiva betalningsinstrument (artikel 62.5 i andra betaltjänstdirektivet).</P>
<P class="p849 ft3">220</P>
</DIV>
<DIV id="page_221">
<DIV>
<DIV id="id_1">
<P class="p15 ft4">Avgiftsuttag</P>
<P class="p663 ft5">Regeringen anser, mot bakgrund av att de aktuella reglerna om tillämp- liga avgifter i andra betaltjänstdirektivet (artikel <NOBR>62.1–62.3)</NOBR> i huvudsak har samma innehåll som i första betaltjänstdirektivet, att det saknas anledning att göra någon annan bedömning av hur reglerna ska genom- föras än den som gjorts tidigare, med undantag för vad som gäller avgiftsfördelning och som behandlas nedan. Enligt regeringens uppfatt- ning ryms därför reglerna om avgiftsuttag för betaltjänster inom gällande rätt och någon lagstiftningsåtgärd är därmed inte nödvändig.</P>
<P class="p801 ft4">Avgiftsfördelning</P>
<P class="p850 ft3">Som framgår ovan gäller regleringen i andra betaltjänstdirektivet oavsett om betalningstransaktionen medför en valutaväxling eller inte (artikel 62.2). Reglerna om avgiftsfördelning i första betaltjänstdirektivet har i svensk rätt genomförts i en bestämmelse i betaltjänstlagen (5 kap. 1 § andra stycket) och gäller, i enlighet med det direktivet, således inte för betalningstransaktioner som medför valutaväxling. Vid sådana transaktioner kan parterna i stället avtala om avgiftsfördelningen sinsemellan (prop. 2009/10:220 s. 348). Mot bakgrund av de ändringar som har gjorts i andra betaltjänstdirektivet i förhållande till första betaltjänstdirektivet bör bestämmelsen i betaltjänstlagen ändras på mot- svarande sätt.</P>
<P class="p851 ft4">Förbud mot tilläggsavgifter vid användning av vissa betalningsinstrument</P>
<P class="p758 ft6">Andra betaltjänstdirektivet innehåller till skillnad från första betaltjänst- direktivet en regel om att betalningsmottagaren inte under några omständigheter får ta ut avgifter av betalaren vid användningen av betal- ningsinstrument som omfattas av taknivåerna för förmedlingsavgifter enligt <NOBR>EU-förordningen</NOBR> om förmedlingsavgifter eller vid betaltjänster som <NOBR>SEPA-förordningen</NOBR> tillämpas på (artikel 62.4 i andra betaltjänst- direktivet).</P>
<P class="p519 ft5">Genom <NOBR>EU-förordningen</NOBR> om förmedlingsavgifter har taknivåer införts för de avgifter som får tas ut för betalningar med konsumenters debet- och kreditkort. Taknivåerna gäller vid betalningar med kort som har utfärdats av s.k. fyrpartsbetalningsordningar, t.ex. VISA eller MasterCard. Taknivåerna gäller därmed inte för betalningar som görs med kort som har utfärdats av trepartsbetalningsordningar, såsom American Express eller Diners. Taknivåerna gäller inte heller vid betalningar med företags- kort eller med betalningsinstrument som inte är kortbaserade, såsom Swish.</P>
<P class="p655 ft40">Andra betaltjänstdirektivet förbjuder således tilläggsavgifter för mer- parten av konsumenternas kortbetalningar. Därmed är möjligheterna för betalningsmottagarna att ta ut tilläggsavgifter kraftigt begränsade.</P>
<P class="p611 ft5">Samtidigt som direktivet förbjuder tilläggsavgifter för merparten av de kortbetalningar som görs, får betaltjänstleverantörerna inte hindra betal- ningsmottagaren att ta ut en tilläggsavgift av betalaren för betalningar med betalningsinstrument som inte omfattas av förbudet (artikel 62.3).</P>
<P class="p784 ft124">Direktivet öppnar emellertid upp för medlemsstaterna att på nationell nivå besluta att förbjuda eller begränsa betalningsmottagares rätt att ta ut</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">221</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_222">
<P class="p817 ft76">Prop. 2017/18:77 tilläggsavgifter även för betalningar med betalningsinstrument som inte omfattas av ovan nämnda förbud (artikel 62.5).</P>
<P class="p852 ft4">Möjlighet till nationella förbud och begränsningar av tilläggsavgifter</P>
<P class="p853 ft5">Som framgår ovan får medlemsstaterna enligt andra betaltjänstdirektivet, liksom enligt första betaltjänstdirektivet, besluta att förbjuda eller begränsa betalningsmottagarens rätt att ta ut tilläggsavgifter utöver vad som följer av direktivet (artikel 62.5). Det ska i så fall ske med beaktande av behovet av att stimulera konkurrensen och främja användningen av effektiva betalningsinstrument.</P>
<P class="p668 ft5">Vid genomförandet i svensk rätt av första betaltjänstdirektivet gjorde regeringen bedömningen att det var angeläget att kontantanvändningen i samhället minskade och att ett förbud mot tilläggsavgifter skulle skapa tydligare regler och incitament för minskad kontantanvändning (jfr prop. 2009/10:220 s. 207). Det infördes därför ett förbud mot tilläggs- avgifter i betaltjänstlagen (5 kap. 1 § fjärde stycket).</P>
<P class="p668 ft5">De skäl för ett generellt förbud mot tilläggsavgifter som anfördes i förarbetena till betaltjänstlagen har enligt regeringens mening mindre betydelse vid genomförandet av andra betaltjänstdirektivet. Om tilläggs- avgifter tas ut vid kortbetalning, men inte vid kontant betalning, är det visserligen möjligt att betalaren kommer att föredra den senare betal- formen. Eftersom tilläggsavgifter, till följd av <NOBR>EU-förordningen</NOBR> om förmedlingsavgifter och <NOBR>SEPA-förordningen,</NOBR> är förbjudna vid använd- ningen av de vanligaste betalningsinstrumenten torde emellertid effekten på kontanthanteringen i samhället bli försumbar.</P>
<P class="p668 ft5">Ett skäl för att tillåta tilläggsavgifter skulle kunna vara att det blir möjligt för betalningsmottagaren att påvisa för betalaren, som i många fall är en konsument, vilka kostnader som följer med olika former av betallösningar. Om tilläggsavgift får tas ut kan betalningsmottagaren välja att låta den enskilde betalaren stå för sina egna kostnader. Ett förbud mot tilläggsavgifter medför att dessa kostnader inte blir synliga för den enskilde betalaren. I stället får kostnaderna bäras av kund- kollektivet. Möjligheten att ta ut avgifter skulle också kunna finansiera utvecklingen av nya betalningssätt, medan ett förbud skulle kunna medföra att utvecklingen av nya betaltjänster blir lidande.</P>
<P class="p499 ft5">Som framgår ovan är möjligheterna för betalningsmottagare att ta ut tilläggsavgifter begränsat enligt andra betaltjänstdirektivet. Om tilläggs- avgifter skulle tillåtas endast för mindre vanliga betalningsinstrument, som t.ex. kontokort utfärdade av trepartsbetalningsordningar, företagskort eller vissa mobila betalningar, skulle det bli oklart för betalaren i vilka fall tilläggsavgift får tas ut. Vidare skulle betalaren sannolikt föredra betal- ningsinstrument för vilka tilläggsavgifter inte är tillåtna, vilket kan leda till att vissa betalningsinstrument väljs bort. Det kan medföra en negativ inverkan på konkurrensen mellan olika betalningsinstrument. Mot denna bakgrund bedömer regeringen att ett totalt förbud mot att ta ut tilläggs- avgifter är att föredra ur såväl konsument- som konkurrenssynpunkt.</P>
<P class="p543 ft40">Regeringen anser därför att det nuvarande förbudet i betaltjänstlagen för betalningsmottagaren att ta ut en avgift av betalaren vid användning av ett betalningsinstrument bör gälla även i fortsättningen.</P>
<P class="p701 ft3">222</P>
</DIV>
<DIV id="page_223">
<DIV id="dimg1">
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</DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<P class="p403 ft105"><SPAN class="ft31">11</SPAN><SPAN class="ft158">Operativa risker, säkerhetsrisker och autentisering</SPAN></P>
</DIV>
<DIV id="id_1_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p396 ft97"><SPAN class="ft118">11.1</SPAN><SPAN class="ft159">Inledning</SPAN></P>
<P class="p854 ft64">Andra betaltjänstdirektivet innehåller flera nya regler om säkerhet och hantering av risker i samband med betaltjänstleverantörers kommuni- kation med betaltjänstanvändare, t.ex. i fråga om en betalningstransaktion. Regleringen gäller alla slags betaltjänstleverantörer, dvs. även leveran- törer av betalningsinitieringstjänster och kontoinformationstjänster.</P>
<P class="p855 ft37"><SPAN class="ft118">11.2</SPAN><SPAN class="ft160">Hantering av operativa risker och säkerhetsrisker</SPAN></P>
<P class="p856 ft110"><SPAN class="ft42">11.2.1</SPAN><SPAN class="ft134">Skyldighet att ha system för hantering av risker</SPAN></P>
<P class="p750 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>En betaltjänstleverantör ska ha ett system med lämpliga åtgärder och kontrollmekanismer för att hantera operativa risker och säkerhetsrisker som är förknippade med de betaltjänster som leverantören tillhandahåller. Inom ramen för detta system ska betaltjänstleverantören reglera hur incidenter ska hanteras.</P>
<P class="p752 ft3">Regeringen eller den myndighet som regeringen bestämmer ska få meddela föreskrifter om hur ett sådant system för hantering av operativa risker och säkerhetsrisker ska utformas.</P>
<P class="p523 ft6"><SPAN class="ft80">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att utredningens förslag innebär att det inom ramen för systemet med åtgärder och kontrollmekanismer endast ska regleras hur allvarliga incidenter ska hanteras.</P>
<P class="p570 ft76"><SPAN class="ft135">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p57 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska medlemsstaterna se till att betaltjänstleverantörerna inrättar en ram med lämpliga begränsningsåtgärder och kontrollmekanismer för att hantera operativa risker och säkerhetsrisker med anknytning till de betaltjänster som de tillhandahåller. Som en del av denna ram ska betaltjänst- leverantörerna fastställa och upprätthålla effektiva incidenthanterings- förfaranden, inbegripet för upptäckt och klassificering av allvarliga operativa incidenter och säkerhetsincidenter (artikel 95.1).</P>
<P class="p57 ft5">De nu aktuella reglerna i andra betaltjänstdirektivet bör genomföras i svensk rätt i motsvarande bestämmelser i betaltjänstlagen. Utredningen föreslår att det inom ramen för det aktuella systemet endast ska regleras hur allvarliga incidenter ska hanteras. Regeringen anser emellertid att skyldigheten för betaltjänstleverantörerna inte bör vara begränsad till allvarliga incidenter, utan, i enlighet med direktivet, omfatta hanteringen av alla incidenter. I det ingår att upptäcka och klassificera sådana inci- denter som är allvarliga, vilka betaltjänstleverantören ska rapportera till</P>
<P class="p470 ft3">223</P>
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</DIV>
<DIV id="page_224">
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<P class="p817 ft76">Prop. 2017/18:77 Finansinspektionen och i förekommande fall informera betaltjänst- användarna om (jfr artikel 96.1).</P>
<P class="p482 ft6">Vad som avses med operativ risk och säkerhetsrisk definieras inte i direktivet, men är i enlighet med direktivet (artikel 95.3) föremål för riktlinjer om säkerhetsåtgärder för operativa risker och säkerhetsrisker från Eba (se Riktlinjer för säkerhetsåtgärder för operativa risker och säkerhetsrisker för betaltjänster enligt direktiv [EU] nr 2015/2366 [PSD2] [EBA/GL/2017/17]). Enligt direktivet ska Eba också, om kommissionen finner det nödvändigt, utarbeta förslag till tekniska standarder för tillsyn för kriterier och villkor för inrättande och över- vakning av säkerhetsåtgärderna (artikel 95.4). Något sådant förslag har ännu inte tagits fram.</P>
<P class="p695 ft40">För att i svensk rätt närmare reglera hur de aktuella systemen ska utformas bör regeringen eller den myndighet som regeringen bestämmer få meddela föreskrifter angående detta. Riktlinjerna från Eba och eventu- ella tekniska standarder som antas av kommissionen ska beaktas när det tas fram sådana föreskrifter på området.</P>
<P class="p554 ft110"><SPAN class="ft42">11.2.2</SPAN><SPAN class="ft134">Skyldighet att rapportera om risker och åtgärder</SPAN></P>
<P class="p799 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>En betaltjänstleverantör ska till Finansinspek- tionen rapportera vilka operativa risker och säkerhetsrisker som är förknippade med de betaltjänster som leverantören tillhandahåller och vilka åtgärder som har vidtagits för att hantera dessa risker.</P>
<P class="p564 ft6">Betaltjänstleverantören ska till Finansinspektionen lämna statistiska uppgifter om svikliga förfaranden som har ägt rum i samband med användningen av leverantörens betaltjänster.</P>
<P class="p564 ft6">Regeringen eller den myndighet som regeringen bestämmer ska få meddela föreskrifter om vilka uppgifter som ska lämnas till Finans- inspektionen i dessa avseenden samt hur och när uppgifterna ska lämnas.</P>
<P class="p857 ft42">Regeringens bedömning: <SPAN class="ft3">Skyldigheten för Finansinspektionen att tillhandahålla Europeiska bankmyndigheten och Europeiska central- banken en sammanställning av de uppgifter om bedrägerier som inspektionen tagit emot bör genomföras genom föreskrifter på förord- ningsnivå.</SPAN></P>
<P class="p779 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. Utredningen gör ingen bedömning när det gäller skyldigheten för den behöriga myndigheten att tillhandahålla Eba och ECB en samman- ställning av de uppgifter om bedrägerier som tagits emot.</P>
<P class="p482 ft6"><SPAN class="ft80">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft4">Konsumentverket </SPAN>anser att det vore olyck- ligt att begränsa statistikrapporteringen till bedrägerier och att denna skyldighet bör avse samtliga kortreklamationer och beviljade kort- reklamationer.</P>
<P class="p486 ft127">Skälen för regeringens förslag och bedömning: <SPAN class="ft40">Enligt andra betaltjänstdirektivet ska medlemsstaterna se till att betaltjänstleveran- törerna till den behöriga myndigheten årligen, eller enligt kortare inter-</SPAN></P>
<P class="p489 ft128">vall som fastställs av den behöriga myndigheten, lämnar en uppdaterad</P>
<P class="p15 ft3">224</P>
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<DIV id="id_1">
<P class="p53 ft70">och övergripande bedömning av operativa risker och säkerhetsrisker hos de betaltjänster som de tillhandahåller och om lämpligheten av de begränsningsåtgärder och kontrollmekanismer som genomförs för att hantera dessa risker (artikel 95.2). Vidare ska medlemsstaterna se till att betaltjänstleverantörerna åtminstone en gång per år tillhandahåller de behöriga myndigheterna statistiska uppgifter om bedrägerier i samband med olika betalningsmedel. De behöriga myndigheterna ska tillhanda- hålla Eba och ECB sådana uppgifter i aggregerad form (artikel 96.6).</P>
<P class="p632 ft40">De nu aktuella reglerna i andra betaltjänstdirektivet bör genomföras i svensk rätt i motsvarande bestämmelser i betaltjänstlagen. Vidare bör regeringen eller den myndighet som regeringen bestämmer få meddela föreskrifter om vilka uppgifter betaltjänstleverantörerna ska rapportera i dessa avseenden samt när och i vilken form rapporteringen ska göras.</P>
<P class="p604 ft6">Vid utformningen av nationella föreskrifter om den rapportering som rör operativa risker och säkerhetsrisker ska i förekommande fall riktlinjer från Eba och eventuella tekniska standarder som antas av kommissionen beaktas (se avsnitt 11.2.1).</P>
<P class="p145 ft64">Det är något oklart hur betaltjänstleverantörernas skyldighet att till- handahålla Finansinspektionen statistiska uppgifter om bedrägerier som har skett i samband med användningen av olika betalningsmedel (eng. means of payment) ska förstås. Regeringen instämmer med utredningen att betaltjänstleverantörernas skyldighet att lämna statistiska uppgifter om bedrägerier i stället bör avse bedrägerier i samband med användning av betaltjänster. Som utredningen framhåller är det också oklart vad termen ”bedrägerier” omfattar i direktivet. Det står t.ex. inte klart om termen avser anmälda eller endast konstaterade bedrägerier. Regeringen anser att uppgiftsskyldigheten bör utformas i enlighet med <SPAN class="ft63">Lagrådets </SPAN>synpunkter och avse svikliga förfaranden, vilket omfattar bedrägerier. Vilka upp- gifter som ska rapporteras kommer vidare att vara föremål för detaljerade riktlinjer från Eba, vilka håller på att tas fram (se Consultation Paper on Draft Guidelines on fraud reporting requirements under Article 96[6] of Directive [EU] 2015/2366 [PSD2] [EBA/CP/2017/13]).</P>
<P class="p822 ft6"><SPAN class="ft4">Konsumentverket </SPAN>anser att det vore olyckligt att begränsa statistik- rapporteringen till bedrägerier och att rapporteringsskyldigheten bör avse samtliga kortreklamationer och beviljade kortreklamationer. Regeringen bedömer att rapporteringsskyldigheten i detta avseende bör utformas i enlighet med direktivet och således motsvara sådana uppgifter som ska tillhandahållas Eba och ECB. Som framgår ovan kommer den närmare gränsdragningen av vilka svikliga förfaranden som bör ingå i statistiken vara föremål för riktlinjer från Eba och den kan även preciseras i före- skrifter på lägre nivå än lag.</P>
<P class="p603 ft6">Utredningen behandlar inte frågan om hur regeln om att den behöriga myndigheten ska tillhandahålla Eba och ECB en sammanställning av de uppgifter om bedrägerier som den tagit emot ska genomföras (artikel 96.6 andra meningen). Regeringen bedömer att en motsvarande skyldighet för Finansinspektionen bör tas in i föreskrifter på lägre nivå än lag.</P>
<P class="p686 ft124">Riksbanken samlar med stöd av lagen (1988:1385) om Sveriges riks- bank (i det följande benämnd riksbankslagen) in en mängd uppgifter och har i dag i praktiken ansvar för ett flertal statistikområden. Det gäller dels den svenska betalningsbalansstatistiken, dels ett antal olika områden inom</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">225</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_226">
<TABLE cellpadding=0 cellspacing=0 class="t104">
<TR>
<TD class="tr22 td28"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p3 ft7">finansiell statistik, som t.ex. statistik över bankernas balansräkningar. Inom</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">ramen för sitt uppdrag att främja ett säkert och effektivt betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">väsende samlar Riksbanken också in information och statistik från aktörer</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">på betalningsmarknaden, vilken redovisas i olika publikationer.</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p31 ft5">Ett finansinstitut eller annat företag som står under tillsyn av Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">inspektionen ska efter anmodan av Riksbanken lämna de uppgifter som</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">Riksbanken anser nödvändiga för att följa utvecklingen på valuta- och</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">kreditmarknaderna samt övervaka betalningssystemets stabilitet (6 kap.</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">9 § riksbankslagen). Även Riksbanken har alltså ett berättigat intresse av</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">att ta del av information om svikliga förfaranden som förekommer i</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">samband med användning av betalningsinstrument. Att två olika</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">myndigheter kan begära ut information från betaltjänstleverantörerna</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">riskerar att öka den administrativa bördan för dessa. Finansinspektionen</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">och Riksbanken är skyldiga att samråda med och lämna uppgifter till</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">varandra i viktigare frågor som har samband med betalningssystemets</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">stabilitet eller berör Riksbankens ansvar för valuta- och kreditpolitiken och</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">för betalningsväsendet, respektive Finansinspektionens tillsynsverksamhet</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">(4 kap. 3 § riksbankslagen och 7 § förordningen [2009:93] med instruktion</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">för Finansinspektionen). Det är önskvärt att Riksbanken och Finans-</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">inspektionen så långt det är möjligt samordnar sin informationsinsamling</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">från betaltjänstleverantörerna för att minimera bördan för de uppgifts-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">lämnande företagen. De båda myndigheterna bör således sträva efter att</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">deras informationsinhämtning inte medför mer dubbelarbete för den</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">enskilde betaltjänstleverantören än att denne i praktiken ska förse dem</P></TD>
</TR>
<TR>
<TD class="tr20 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft3">med samma information vid samma tidpunkt.</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t105">
<TR>
<TD class="tr27 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td58"><P class="p199 ft118">11.3</P></TD>
<TD class="tr27 td260"><P class="p90 ft97">Incidentrapportering</P></TD>
</TR>
<TR>
<TD class="tr29 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td58"><P class="p307 ft42">11.3.1</P></TD>
<TD class="tr29 td260"><P class="p90 ft110">Skyldighet att rapportera allvarliga incidenter</P></TD>
</TR>
<TR>
<TD class="tr44 td134"><P class="p3 ft16"> </P></TD>
<TD colspan=2 class="tr40 td284"><P class="p3 ft17"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p177 ft7"><SPAN class="ft115">Regeringens förslag: </SPAN>En betaltjänstleverantör ska så snart det kan ske</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p177 ft5">underrätta Finansinspektionen om en allvarlig operativ incident eller</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">säkerhetsincident som uppkommit i verksamheten.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p297 ft5">Om incidenten påverkar eller kan påverka betaltjänstanvändarnas</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p177 ft7">ekonomiska intressen, ska betaltjänstleverantören så snart det kan ske</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p177 ft5">informera betaltjänstanvändarna om incidenten och om de åtgärder</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">som kan vidtas för att begränsa risken för skada.</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p297 ft7">Regeringen eller den myndighet som regeringen bestämmer ska få</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p177 ft5">meddela föreskrifter om vad som utgör en allvarlig operativ incident</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p177 ft5">eller säkerhetsincident, hur bedömningen av om en incident påverkar</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p177 ft5">eller kan påverka betaltjänstanvändarnas ekonomiska intressen ska</P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft3">göras och hur betaltjänstanvändarna ska informeras.</P></TD>
</TR>
<TR>
<TD class="tr47 td288"><P class="p3 ft130"> </P></TD>
<TD colspan=2 class="tr46 td295"><P class="p3 ft8"> </P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td93"><P class="p90 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p297 ft7"><SPAN class="ft115">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">har inget att invända mot det. <SPAN class="ft41">Sveriges riksbank </SPAN>avstyrker förslaget att</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">endast Finansinspektionen ska utses som behörig myndighet när det</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">gäller rapportering av allvarliga operativa incidenter och säkerhets-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">incidenter. I stället bör både Finansinspektionen och Riksbanken utses</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr22 td134"><P class="p512 ft7">226</P></TD>
<TD colspan=2 class="tr28 td93"><P class="p3 ft3">till behöriga myndigheter. <SPAN class="ft4">Trustly Group AB </SPAN>påpekar att det kan vara</P></TD>
</TR>
<TR>
<TD class="tr43 td58"><P class="p3 ft116"> </P></TD>
<TD class="tr43 td260"><P class="p3 ft116"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_227">
<DIV>
<DIV id="id_1">
<P class="p729 ft3">svårt för en leverantör av en betalningsinitieringstjänst att informera betaltjänstanvändarna om incidenten då leverantören inte alltid har kontaktuppgifter till betalaren.</P>
<P class="p145 ft78">Skälen för regeringens förslag: <SPAN class="ft5">Enligt en ny regel i andra betaltjänstdirektivet ska betaltjänstleverantörerna utan onödigt dröjsmål underrätta den behöriga myndigheten i betaltjänstleverantörens hem- medlemsstat vid allvarliga operativa incidenter eller säkerhetsincidenter. Om incidenten påverkar eller kan påverka betaltjänstanvändarnas eko- nomiska intressen ska betaltjänstleverantören utan onödigt dröjsmål informera betaltjänstanvändarna om incidenten och om alla tillgängliga åtgärder de kan vidta för att begränsa incidentens negativa effekter (artikel 96.1). Eba har i enlighet med direktivet (artikel 96.3 a) tagit fram riktlinjer för betaltjänstleverantörer om klassificeringen av allvarliga incidenter och om innehållet, formatet och förfarandet för att anmäla sådana incidenter (Riktlinjer för rapportering vid allvarliga incidenter enligt direktiv [EU] 2015/2366 [andra betaltjänstdirektivet] [EBA/GL/2017/10]).</SPAN></P>
<P class="p632 ft5">De nu aktuella reglerna i det andra betaltjänstdirektivet om betaltjänst- leverantörernas rapporteringsskyldighet till behöriga myndigheter och betaltjänstanvändarna bör genomföras i svensk rätt i motsvarande bestämmelser i betaltjänstlagen. Vidare bör regeringen eller den myndig- het som regeringen bestämmer få meddela föreskrifter om vad som utgör en allvarlig operativ incident eller säkerhetsincident, hur bedömningen av om en incident påverkar eller kan påverka betaltjänstanvändarnas eko- nomiska intressen ska göras och hur betaltjänstanvändarna ska infor- meras om incidenten och om de åtgärder som de kan vidta för att be- gränsa risken för skada.</P>
<P class="p730 ft70">Allmänt kan sägas att information till betaltjänstanvändarna om incidenter som kan påverka deras ekonomiska intressen ofta bör kunna ges via betaltjänstleverantörens webbplats eller via internetbanken för att snabbt nå så många användare som möjligt. Det kan emellertid övervägas om information i annan form, t.ex. genom utskick per post, bör göras i vissa fall för att säkerställa att samtliga användare nås av informationen.</P>
<P class="p208 ft5"><SPAN class="ft41">Sveriges riksbank </SPAN>anser att det är viktigt den utan onödigt dröjsmål får del av information om allvarliga incidenter i betalningssystemet och det därför är angeläget att både Finansinspektionen och Riksbanken utses till behöriga myndigheter när det gäller rapportering om allvarliga operativa incidenter och säkerhetsincidenter. Regeringen delar Riksbankens upp- fattning att det är viktigt att Riksbanken så snart det kan ske får del av information om allvarliga operativa incidenter och säkerhetsincidenter. Enligt förslaget i avsnitt 11.3.2 ska Finansinspektionen vara skyldig att så snart det kan ske lämna sådan information till Riksbanken. Regeringen bedömer att Riksbankens behov av information i nu aktuellt avseende bör tillgodoses genom den information som Finansinspektionen ska lämna. Det finns därför inte skäl att utse Riksbanken till behörig myndighet.</P>
<P class="p858 ft40"><SPAN class="ft39">Trustly Group AB </SPAN>påpekar att det kan vara svårt för en leverantör av en betalningsinitieringstjänst att informera betaltjänstanvändarna om en incident, eftersom leverantören inte alltid har kontaktuppgifter till betalaren. Regeringen har i och för sig förståelse för att detta kan innebära en svårighet för en sådan betaltjänstleverantör, men ett sådant</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">227</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_228">
<P class="p584 ft3">Prop. 2017/18:77 krav är av stor vikt för att skydda betaltjänstanvändarnas intressen. Det bör även vara möjligt för en leverantör av en betalningsinitieringstjänst att få kontaktuppgifter till betalaren från dennes kontoförvaltare. Det är i sammanhanget viktigt att framhålla att den aktuella betaltjänst- användaren ska informeras utan onödigt dröjsmål. Visst dröjsmål för att betaltjänstanvändaren måste göra efterforskningar för att få fram kontakt- uppgifter till en betalare kan inte anses som onödigt.</P>
<TABLE cellpadding=0 cellspacing=0 class="t95">
<TR>
<TD class="tr50 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr50 td153"><P class="p510 ft42">11.3.2</P></TD>
<TD class="tr50 td283"><P class="p3 ft42">Finansinspektionens skyldigheter i samband med</P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p3 ft110">allvarliga incidenter</P></TD>
</TR>
<TR>
<TD class="tr42 td134"><P class="p3 ft114"> </P></TD>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>När Finansinspektionen har tagit emot en</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft7">underrättelse om en allvarlig operativ incident eller säkerhetsincident ska</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">inspektionen så snart det kan ske informera Riksbanken och andra</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">berörda svenska myndigheter, Europeiska bankmyndigheten och</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">Europeiska centralbanken.</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p636 ft5"><SPAN class="ft78">Regeringens bedömning: </SPAN>Regeln i det andra betaltjänstdirektivet om</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">att de behöriga myndigheterna på grund av en underrättelse från</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">Europeiska bankmyndigheten och Europeiska centralbanken om en</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">incident i förekommande fall ska vidta alla nödvändiga åtgärder för att</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">skydda det finansiella systemets omedelbara säkerhet föranleder inte</P></TD>
</TR>
<TR>
<TD class="tr22 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td295"><P class="p41 ft3">någon lagstiftningsåtgärd.</P></TD>
</TR>
<TR>
<TD class="tr2 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td93"><P class="p90 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">förslag. Utredningen behandlar inte frågan om hur skyldigheten för den</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">behöriga myndigheten att lämna uppgifter till andra myndigheter än Eba</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">och ECB ska genomföras. Utredningen gör inte någon bedömning när det</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">gäller regeln i direktivet om att den behöriga myndigheten på grund av</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">en underrättelse från Eba och ECB om en incident ska vidta alla nöd-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">vändiga åtgärder för att skydda det finansiella systemets omedelbara</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td153"><P class="p3 ft3">säkerhet.</P></TD>
<TD class="tr15 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p90 ft42">Skälen för regeringens förslag och bedömning: <SPAN class="ft3">Enligt andra</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">betaltjänstdirektivet ska den behöriga myndigheten i hemmedlemsstaten,</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">efter att ha mottagit en underrättelse om en allvarlig operativ incident eller</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">säkerhetsincident som uppkommit i en betaltjänstleverantörs verksamhet,</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">utan onödigt dröjsmål låta Eba och ECB ta del av relevanta uppgifter om</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">incidenten. Den behöriga myndigheten ska även, efter att ha bedömt</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">incidentens relevans för berörda myndigheter i den medlemsstaten,</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">informera dem i enlighet med detta. Eba och ECB ska, i samarbete med</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">den behöriga myndigheten i hemmedlemsstaten, bedöma incidentens</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">relevans för andra berörda unionsmyndigheter och nationella myndig-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">heter och informera dem i enlighet med detta. ECB ska underrätta</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">medlemmarna i Europeiska centralbankssystemet om frågor som är</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">relevanta för betalningssystemet. På grundval av den underrättelsen ska</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">de behöriga myndigheterna i förekommande fall vidta alla nödvändiga</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">åtgärder för att skydda det finansiella systemets omedelbara säkerhet</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">(artikel 96.2). Eba har i enlighet med direktivet (artikel 96.3 b) tagit fram</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr51 td134"><P class="p512 ft7">228</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft3">riktlinjer för behöriga myndigheter om kriterierna för att bedöma en</P></TD>
</TR>
<TR>
<TD class="tr42 td153"><P class="p3 ft114"> </P></TD>
<TD class="tr42 td283"><P class="p3 ft114"> </P></TD>
</TR>
</TABLE>
</DIV>
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<P class="p490 ft3">incidents relevans för andra myndigheter och vilka uppgifter i incident- Prop. 2017/18:77 rapporter som andra myndigheter ska få del av (Riktlinjer för</P>
<P class="p521 ft3">rapportering vid allvarliga incidenter enligt direktiv [EU] 2015/2366 [andra betaltjänstdirektivet]).</P>
<P class="p57 ft5">För att genomföra andra betaltjänstdirektivet i denna del bör det i betal- tjänstlagen tas in en bestämmelse som innebär att Finansinspektionen, efter att ha tagit emot en underrättelse om en allvarlig incident, så snart det kan ske ska lämna Eba och ECB relevant information om den inträffade händel- sen. Enligt regeringens uppfattning bör det, i enlighet med direktivet, även tas in en bestämmelse i betaltjänstlagen som innebär att Finans- inspektionen så snart det kan ske ska lämna relevant information till berörda svenska myndigheter. Som framgår i avsnitt 11.3.1 delar regeringen Riksbankens uppfattning att Riksbanken så snart det kan ske bör få del av uppgifter om allvarliga operativa incidenter och säkerhets- incidenter. För att tydliggöra detta bör det i lagen uttryckligen anges att relevant information ska lämnas till Riksbanken.</P>
<P class="p571 ft5">Enligt direktivet ska den behöriga myndigheten på grund av en under- rättelse från Eba och ECB om en incident vidta alla nödvändiga åtgärder för att skydda det finansiella systemets omedelbara säkerhet (artikel 96.2 tredje stycket). Regeringen bedömer att denna regel innebär en hand- lingsplikt för den behöriga myndigheten men inte att den ska ges ytter- ligare befogenheter. Finansinspektionen ansvarar i dag bl.a. för tillsynen som rör finansiella marknader och finansiella företag och arbetar bl.a. för att det finansiella systemet ska vara stabilt och präglas av högt förtroende med väl fungerande marknader som tillgodoser hushållens och före- tagens behov av finansiella tjänster (1 och 2 §§ förordningen med instruktion för Finansinspektionen). Av detta följer att Finansinspek- tionen har att vidta nödvändiga åtgärder för att skydda det finansiella systemets omedelbara säkerhet som föranleds av information från Eba och ECB. Direktivet i denna del föranleder därför inte någon lagstift- ningsåtgärd.</P>
<P class="p859 ft97"><SPAN class="ft118">11.4</SPAN><SPAN class="ft159">Autentisering</SPAN></P>
<P class="p860 ft6"><SPAN class="ft80">Regeringens förslag: </SPAN>En betaltjänstleverantör ska tillämpa stark kundautentisering när betalaren loggar in på sitt betalkonto online, initierar en elektronisk betalningstransaktion eller genomför någon åtgärd på distans som kan innebära en risk för svikligt förfarande eller andra former av missbruk.</P>
<P class="p861 ft6">För elektroniska betalningstransaktioner som genomförs på distans ska betaltjänstleverantören tillämpa stark kundautentisering som kopplar transaktionen till ett specifikt belopp och en specifik betal- ningsmottagare.</P>
<P class="p861 ft3">Kraven på stark kundautentisering ska inte gälla om annat följer av tekniska standarder som antagits av kommissionen.</P>
<P class="p862 ft40">En kontoförvaltande betaltjänstleverantör som tillhandahåller betal- tjänstanvändaren ett betalkonto som är tillgängligt online ska göra det möjligt för tredjepartsbetaltjänstleverantörer att förlita sig på den</P>
<P class="p863 ft3">229</P>
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<DIV id="dimg1">
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<P class="p864 ft76">Prop. 2017/18:77 autentisering som den kontoförvaltande betaltjänstleverantören till- handahåller betaltjänstanvändaren.</P>
<P class="p564 ft3">När stark kundautentisering tillämpas ska betaltjänstleverantören vidta särskilda åtgärder för att skydda betaltjänstanvändarens per- sonliga behörighetsfunktioner mot obehörig åtkomst och förvansk- ning.</P>
<P class="p501 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att enligt utredningens förslag ska stark kundautentisering tillämpas endast av kontoförvaltande betaltjänstleverantörer och av betalningsmottagarens betaltjänstleverantör i vissa fall. Enligt utredningens förslag ska det i betaltjänstlagen tas in en särskild bestämmelse om ansvaret för stark kundautentisering när en betalning initieras via en leverantör av betal- ningsinitieringstjänster eller när information begärs via en leverantör av kontoinformationstjänster. Utredningen föreslår inte någon uttrycklig bestämmelse om att en kontoförvaltande betaltjänstleverantör ska möjlig- göra för tredjepartsbetaltjänstleverantörer att förlita sig på de autentise- ringsförfaranden som den tillhandahåller.</P>
<P class="p543 ft5"><SPAN class="ft78">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft41">Datainspektionen </SPAN>påpekar att bestämmel- serna om stark kundautentisering väcker frågan om Finansinspektionen ska vara tillsynsmyndighet för bl.a. bankers <NOBR>it-säkerhet</NOBR> och hänvisar bl.a. till att Datainspektionen i tillsynsärenden har riktat kritik mot vissa bankers mobilappar, framför allt när det gäller hur bankerna säkerställde användarens identitet. <SPAN class="ft41">Svenska Bankföreningen </SPAN>framhåller att det är stor skillnad på att en leverantör av betalningsinitieringstjänster eller konto- informationstjänster enligt andra betaltjänstdirektivet ska kunna förlita sig på de autentiseringsförfaranden som den kontoförvaltande betaltjänst- leverantören förser betaltjänstanvändaren med (artikel 97.5) och att en sådan leverantör enligt utredningens förslag ska kunna använda de autentiseringsförfaranden som den kontoförvaltande betaltjänstleveran- tören förser betaltjänstanvändaren med. <SPAN class="ft41">Klarna AB </SPAN>framför synpunkter när det gäller genomförandet av tekniska standarder om stark kund- autentisering och säker kommunikation. <SPAN class="ft41">Tink AB </SPAN>anser att direktivets regel om att en leverantör av betalningsinitieringstjänster eller konto- informationstjänster ska kunna förlita sig på de autentiseringsförfaranden som den kontoförvaltande betaltjänstleverantören förser betaltjänst- användaren med ska anges i lag (artikel 97.5). Även <SPAN class="ft41">Trustly Group AB </SPAN>anser att denna regel måste anges i lag. Trustly Group anser vidare att den bestämmelse som utredningen föreslår om att kraven på stark kundautentisering ska gälla i tillämpliga delar för betalningsmottagarens betaltjänstleverantör när en betalning initieras via betalningsmottagaren bör förtydligas. Trustly Group framhåller i detta avseende att stark kund- autentisering ska tillämpas av betalarens kontoförvaltande betaltjänst- leverantör i de fall det i själva verket är betalaren som initierar betal- ningen, t.ex. i vissa fall då en <NOBR>”card-on-file”</NOBR> etablerats och vid köp med kreditkort.</P>
<P class="p865 ft3">230</P>
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<DIV>
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<P class="p15 ft42">Skälen för regeringens förslag</P>
<P class="p672 ft4">Uttrycket stark kundautentisering</P>
<P class="p663 ft40">I andra betaltjänstdirektivet har uttrycket stark kundautentisering införts. Stark kundautentisering definieras i direktivet som en autentisering som grundas på användning av två eller flera element, kategoriserade som kunskap (något som bara användaren vet), innehav (något som bara användaren har) och unik egenskap (något som användaren är), som är fristående från varandra så att det faktum att någon har kommit över ett av elementen inte äventyrar de andra elementens tillförlitlighet, och som är utformad för att skydda autentiseringsuppgifternas sekretess (artikel 4.30, se närmare om definitionen i avsnitt 5.3.4).</P>
<P class="p263 ft4">När och av vem ska stark kundautentisering tillämpas?</P>
<P class="p866 ft64">Enligt nya regler i andra betaltjänstdirektivet ska betaltjänstleveran- törerna tillämpa stark kundautentisering när en kund loggar in på sitt konto online, initierar en elektronisk betalningstransaktion eller genom- för någon åtgärd på distans som kan innebära en risk för betalnings- bedrägeri eller andra missbruk (artikel 97.1). När det gäller initieringen av elektroniska betalningstransaktioner ska medlemsstaterna säkerställa att betaltjänstleverantörerna för elektroniska betalningstransaktioner på distans tillämpar stark kundautentisering som ska omfatta inslag som på ett dynamiskt sätt kopplar transaktionen till ett specifikt belopp och en specifik betalningsmottagare (artikel 97.2). Noteras bör att i den svenska språkversionen av direktivet används uttrycket sträng kundautentisering i dessa regler vilket är fel (se definitionen i artikel 4.30 och den engelska språkversionen där det genomgåendes anges ”strong customer authenti- cation” samt notera att samma fel även förekommer i artikel 92.1).</P>
<P class="p774 ft59">De nu aktuella reglerna i andra betaltjänstdirektivet (artikel 97.1 och 97.2) bör genomföras i motsvarande bestämmelser i betaltjänstlagen.</P>
<P class="p611 ft70">I direktivet anges att betaltjänstleverantörerna ska tillämpa stark kund- autentisering. Enligt utredningens förslag ska kravet att tillämpa stark kundautentisering gälla för den kontoförvaltande betaltjänstleverantören. När den åtgärd för vilken stark kundautentisering ska tillämpas innebär tillgång till ett betalkonto bör det, som utredningen anger, primärt vara den kontoförvaltande betaltjänstleverantören som ska tillämpa stark kundautentisering. Så är fallet t.ex. vid kontobaserade betalningar och andra åtgärder som utförs online genom en tjänst som tillhandahålls betalaren av den kontoförvaltande betaltjänstleverantören. När en betal- ning initieras via betalningsmottagarens betaltjänstleverantör är dock situationen annorlunda. Då måste såväl den kontoförvaltande betaltjänst- leverantören som betalningsmottagarens betaltjänstleverantör tillämpa stark kundautentisering. Exempelvis behöver båda betaltjänstleveran- törerna tillämpa stark kundautentisering när betalaren gör en kortbetal- ning i en kortterminal hos betalningsmottagaren. I utredningens förslag fångas denna situation upp av en särskild bestämmelse i betaltjänstlagen om betalningar som initieras via betalningsmottagaren.</P>
<P class="p867 ft40">Regeringen anser, till skillnad från utredningen, att i betaltjänstlagen bör kravet att tillämpa stark kundautentisering utformas på samma sätt som i direktivet och gälla för alla betaltjänstleverantörer. Därmed fram- går det tydligt att samtliga inblandade betaltjänstleverantörer har ett</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">231</P>
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<DIV id="page_232">
<P class="p498 ft40">Prop. 2017/18:77 ansvar för att tillämpa stark kundautentisering. Vidare anges detaljerade bestämmelser om stark kundautentisering i en direkt tillämplig förord- ning som antagits av kommissionen. Det är därför lämpligt att tillämp- ningsområdet för bestämmelserna i betaltjänstlagen är detsamma som för motsvarande regler i direktivet (se nedan).</P>
<P class="p482 ft6">Det innebär att det inte finns behov av en sådan särskild bestämmelse om betalningar som initieras via betalningsmottagaren som utredningen föreslår.</P>
<P class="p486 ft5"><SPAN class="ft41">Trustly Group AB </SPAN>framför synpunkter beträffande utredningens förslag när det gäller betalningar som initieras via betalningsmottagaren. Som redovisas ovan innebär regeringens förslag att de nu aktuella reglerna i direktivet genomförs på ett annat sätt än det som utredningen föreslår. Regeringen konstaterar dock att som Trustly Group framhåller ska betalarens betaltjänstleverantör tillämpa stark kundautentisering när en betalning initieras av betalaren och det gäller även om betalningen initieras av betalaren via betalningsmottagarens betaltjänstleverantör. I den sistnämnda situationen ska dock även betalningsmottagarens betal- tjänstleverantör tillämpa stark kundautentisering.</P>
<P class="p540 ft5">Detaljerade bestämmelser om kraven på stark kundautentisering och vissa undantag från skyldigheten att tillämpa stark kundautentisering finns i tekniska standarder som antagits av kommissionen i form av en direkt tillämplig förordning (se artikel 98 i andra betaltjänstdirektivet och Commission delegated regulation [EU] supplementing Directive 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication). Regeringen instämmer med utredningen att det av betaltjänstlagen bör framgå att undantag från skyldigheten att tillämpa stark kundautentisering kan finnas i de tekniska standarderna. Det bör komma till uttryck genom att det anges att kraven på stark kundautentisering inte gäller om annat följer av de tekniska standarderna.</P>
<P class="p787 ft3">Som behandlas i avsnitt 15 ska bestämmelserna om stark kundautenti- sering börja tillämpas 18 månader efter det att de tekniska standarderna trätt i kraft.</P>
<P class="p482 ft6">Med anledning av <SPAN class="ft4">Datainspektionens </SPAN>frågor finns skäl att klargöra att Finansinspektionen har tillsyn över att bestämmelserna om stark kund- autentisering i betaltjänstlagen följs. Det påverkar inte Datainspektionens ansvar för tillsyn på andra områden och från att inom ramen för den tillsynen – som i de ärenden som myndigheten hänvisar till – ta upp frågor om t.ex. stark kundautentisering.</P>
<P class="p500 ft3">När det gäller <SPAN class="ft4">Klarna AB:s </SPAN>synpunkter som rör genomförandet av tekniska standarder för stark kundautentisering konstaterar regeringen att dessa finns i en direkt tillämplig <NOBR>EU-förordning,</NOBR> varför det inte är aktuellt att genomföra dem i svensk rätt.</P>
<P class="p868 ft50">Särskilt om stark kundautentisering vid betalningsinitieringstjänster och kontoinformationstjänster</P>
<P class="p869 ft40">I andra betaltjänstdirektivet finns regler om att stark kundautentisering ska tillämpas när betalningar initieras via en leverantör av betalnings-</P>
<P class="p489 ft107">initieringstjänster eller information begärs via en leverantör av konto-</P>
<P class="p15 ft3">232</P>
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<P class="p53 ft5">informationstjänster (artikel 97.4). Dessa innebär att stark kundautenti- sering som på ett dynamiskt sätt kopplar transaktionen till ett specifikt belopp och en specifik mottagare ska tillämpas för en elektronisk betal- ningstransaktion på distans även när denna initieras via en leverantör av en betalningsinitieringstjänst (artikel 97.2 och 97.4). Vidare gäller att när information begärs via en leverantör av en kontoinformationstjänst ska stark kundautentisering tillämpas när inloggning sker på betaltjänst- användarens konto via leverantören samt när någon åtgärd genomförs på distans som kan innebära en risk för betalningsbedrägeri eller andra missbruk (artikel 97.1 a och b och 97.4). I fråga om åtgärder som vidtas via en leverantör av betalningsinitieringstjänster anges det i direktivet inte att stark kundautentisering ska tillämpas i andra fall än vid elek- troniska betalningstransaktioner på distans (se artikel 97.4 som inte hänvisar till artikel 97.1 när det gäller leverantörer av betalnings- initieringstjänster).</P>
<P class="p686 ft64">Det framstår som motsägelsefullt att reglerna om att stark kund- autentisering i direktivet ska tillämpas när en kund loggar in på sitt konto online och när en kund genomför någon åtgärd på distans som kan innebära en risk för betalningsbedrägeri eller andra missbruk inte ska tillämpas när betalningar initieras via en leverantör av betalnings- initieringstjänster. Dessa leverantörer loggar också in på betaltjänst- användarens konto för dennes räkning för att genomföra den transaktion som användaren har initierat. Det kan inte heller uteslutas att de kan vidta åtgärder på distans som kan innebära risk för betalningsbedrägeri. I direktivet finns emellertid även en regel enligt vilken medlemsstaterna ska se till att den kontoförvaltande betaltjänstleverantören gör det möjligt för leverantörer av betalningsinitieringstjänster och leverantörer av kontoinformationstjänster att förlita sig på de autentiseringsförfaranden som den kontoförvaltande betaltjänstleverantören tillhandahåller betal- tjänstanvändaren (artikel 97.5). Av denna regel följer att leverantörer av betalningsinitieringstjänster ska kunna förlita sig på den autentisering som tillämpas av den kontoförvaltande betaltjänstleverantören i samtliga de situationer när stark kundautentisering ska tillämpas enligt direktivet, medan motsvarande reglering för leverantörer av kontoinformationstjänster endast gäller inloggning på konto och åtgärder på distans med risk för betalnings- bedrägeri (se artikel 97.5 som hänvisar till bl.a. artikel 97.1 och 97.2 när det gäller betalningsinitieringstjänster och bl.a. artikel 97.1 när det gäller konto- informationstjänster). Enligt regeringens bedömning innebär direktivet att stark kundautentisering ska tillämpas även vid inloggning och andra åtgärder som kan innebära en risk för missbruk när en leverantör av betalningsinitieringstjänster deltar.</P>
<P class="p870 ft64">Enligt utredningens förslag ska det i betaltjänstlagen, på samma sätt som i direktivet, tas in en särskild bestämmelse om att den konto- förvaltande betaltjänstleverantören ansvarar för att tillämpa stark kund- autentisering vid betalningstransaktioner som initieras via en leverantör av betalningsinitieringstjänster eller när information begärs via en leverantör av kontoinformationstjänster (jfr artikel 97.4 i direktivet). Regeringen bedömer emellertid att även åtgärder som betalaren gör via en tredjepartsbetaltjänstleverantör är att betrakta som gjorda av betalaren. Det innebär att åtgärderna omfattas av kraven på stark kundautentisering på samma sätt som om de gjorts på annat sätt. Regeringen anser därför</P>
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<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">233</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">234</P>
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<DIV id="id_2">
<P class="p460 ft6">att den särskilda regeln i direktivet om stark kundautentisering även vid åtgärder som görs via en tredjepartsbetaltjänstleverantör är att betrakta som ett förtydligande och inte en utvidgning av kraven på stark kund- autentisering. Enligt regeringens uppfattning bör ett motsvarande för- tydligande inte tas in i betaltjänstlagen. Det finns inte heller skäl att, som i utredningens förslag, särskilt föreskriva att det är den kontoförvaltande betaltjänstleverantören som ansvarar för att tillämpa stark kundautenti- sering i de fall en åtgärd görs via en tredjepartsbetaltjänstleverantör. I praktiken är det dock, som behandlas nedan, den kontoförvaltande betaltjänstleverantörens autentisering som ska uppfylla kraven på stark kundautentisering.</P>
<P class="p690 ft64">Som anges i skälen till direktivet är de personliga behörighetsfunk- tioner som används för säker kundautentisering av betaltjänstanvändaren eller leverantören av betalningsinitieringstjänster vanligtvis utfärdade av den kontoförvaltande betaltjänstleverantören (skäl 30). Det innebär att leverantörer av enbart betalningsinitieringstjänster respektive konto- informationstjänster inte själva förser betaltjänstanvändaren med person- liga behörighetsfunktioner. En förutsättning för att de ska kunna till- handahålla sina tjänster på det sätt som föreskrivs i direktivet är att de kan förlita sig på den autentisering som den kontoförvaltande betaltjänst- leverantören tillhandahåller betaltjänstanvändaren. Utredningen föreslår emellertid inte att reglerna i direktivet om att den kontoförvaltande betaltjänstleverantören ska möjliggöra för tredjepartsbetaltjänstleveran- törer att förlita sig på den autentisering som denne tillhandahåller betaltjänstanvändaren ska tas in i motsvarande bestämmelser i betal- tjänstlagen (jfr artikel 97.5). <SPAN class="ft63">Tink AB </SPAN>och <SPAN class="ft63">Trustly Group AB </SPAN>anser att denna regel bör komma till uttryck i en bestämmelse i lagen. Även <SPAN class="ft63">Svenska Bankföreningen </SPAN>framhåller betydelsen av denna regel. Enligt regeringens bedömning innebär den nu aktuella regeln i direktivet, så som framhålls av nämnda remissinstanser, att medlemsstaterna ska kräva att den kontoförvaltande betaltjänstleverantören gör det möjligt för tredjepartsbetaltjänstleverantörer att förlita sig på den autentisering som den tillhandahåller betalaren. Regeringen anser att en sådan skyldighet bör anges uttryckligen i betaltjänstlagen.</P>
<P class="p871 ft4">Skydd för personliga behörighetsfunktioner</P>
<P class="p872 ft6">Enligt andra betaltjänstdirektivet ska medlemsstaterna sörja för att betaltjänstleverantörerna har tillräckliga säkerhetskrav för att skydda konfidentialitet och integritet när det gäller betaltjänstanvändarnas personliga säkerhetsbehörighetsuppgifter (artikel 97.3). Detta gäller även när betalningar initieras via en leverantör av betalningsinitieringstjänster och information begärs via en leverantör av kontoinformationstjänster (artikel 97.4).</P>
<P class="p736 ft40">Regeringen anser att de nu aktuella reglerna i direktivet bör genom- föras i svensk rätt i motsvarande bestämmelser i betaltjänstlagen. De bör utformas som handlingsregler för samtliga inblandade betaltjänst- leverantörer, dvs. i enlighet med <SPAN class="ft39">Lagrådets </SPAN>synpunkter som ett krav på att vidta särskilda åtgärder. Som framgår i avsnitt 5.3.5 anser regeringen att uttrycket personlig behörighetsfunktion är ett mer lämpligt uttryck än personliga säkerhetsbehörighetsuppgifter. Vidare bör kravet på att</P>
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<P class="p490 ft3">skydda uppgifternas konfidentialitet och integritet uttryckas som att Prop. 2017/18:77 uppgifterna ska skyddas mot obehörig åtkomst och förvanskning.</P>
<P class="p57 ft3">Detaljerade bestämmelser om de säkerhetsåtgärder som ska vidtas anges i de tekniska standarder som antagits av kommissionen (Commission delegated regulation [EU] supplementing Directive 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication).</P>
<P class="p873 ft105"><SPAN class="ft31">12</SPAN><SPAN class="ft158">Alternativ tvistlösning, tillsyn och sanktioner</SPAN></P>
<P class="p874 ft97"><SPAN class="ft118">12.1</SPAN><SPAN class="ft159">Klagomål och alternativ tvistlösning</SPAN></P>
<P class="p875 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Det ska anges i betaltjänstlagen att en betal- tjänstleverantör ska ha lämpliga och effektiva förfaranden för hantering av klagomål från betaltjänstanvändare.</P>
<P class="p752 ft6">Regeringen eller den myndighet som regeringen bestämmer ska få meddela föreskrifter om hur betaltjänstleverantörer ska hantera klagomål från betaltjänstanvändare.</P>
<P class="p862 ft124"><SPAN class="ft140">Regeringens bedömning: </SPAN>Kraven i andra betaltjänstdirektivet på förfaranden för klagomål till de behöriga myndigheterna som rör betaltjänstleverantörers påstådda överträdelser av direktivet och för- faranden för alternativ tvistlösning kräver inte någon lagstiftningsåtgärd.</P>
<P class="p524 ft80">Utredningens förslag och bedömning <SPAN class="ft6">överensstämmer i sak med regeringens förslag och bedömning. Utredningens förslag avviker från regeringens förslag genom att i utredningens förslag anges det inte ett uttryckligt krav i betaltjänstlagen att en betaltjänstleverantör ska ha lämpliga och effektiva förfaranden för hantering av klagomål från betal- tjänstanvändare.</SPAN></P>
<P class="p523 ft76"><SPAN class="ft135">Remissinstanserna </SPAN>tillstyrker förslaget och bedömningen eller har inget att invända mot dem.</P>
<P class="p4 ft42">Skälen för regeringens förslag och bedömning</P>
<P class="p876 ft4">Klagomål till behörig myndighet</P>
<P class="p877 ft6">Enligt andra betaltjänstdirektivet ska medlemsstaterna se till att det inrättas förfaranden för betaltjänstanvändare och andra berörda parter, inklusive konsumentorganisationer, att till de behöriga myndigheterna anmäla klagomål som rör betaltjänstleverantörers påstådda överträdelser av direktivet (artikel 99.1). Klagandena ska i lämpliga fall även infor- meras av de behöriga myndigheterna om förfaranden för alternativ tvist- lösning (artikel 99.2).</P>
<P class="p716 ft3">Första betaltjänstdirektivet innehåller motsvarande regler om förfaran- den för klagomål och information om tvistlösning utanför domstol (artikel 80).</P>
<P class="p14 ft3">235</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">236</P>
</DIV>
<DIV id="id_2">
<P class="p463 ft5">Reglerna i första betaltjänstdirektivet har i dessa delar inte kommit till uttryck i bestämmelser i betaltjänstlagen. När första betaltjänstdirektivet skulle genomföras i svensk rätt konstaterade regeringen att såväl Konsumentverket som Finansinspektionen tar emot klagomål från enskilda på områden som faller under direktivets tillämpningsområde. Regeringen fann att några ytterligare åtgärder i den delen inte framstod som nödvändiga och att det inte behövdes någon uttrycklig bestämmelse i betaltjänstlagen för att reglera klagomålshanteringen (se prop. 2009/10:220 s. <NOBR>76–79).</NOBR> Det kan dessutom noteras att Finansinspektionen sedan dess ålagts att öka medvetenheten om alternativ tvistlösning enligt lagen (2015:671) om alternativ tvistlösning i konsumentförhållanden (se 9 § betaltjänstförordningen). Mot denna bakgrund krävs, enligt regeringens uppfattning, inte någon lagstiftningsåtgärd när det gäller den behöriga myndighetens hantering av klagomål som avses i andra betaltjänstdirektivet.</P>
<P class="p794 ft4">Alternativ tvistlösning</P>
<P class="p528 ft5">Enligt andra betaltjänstdirektivet ska medlemsstaterna se till att det, i enlighet med relevant nationell rätt och unionsrätten i enlighet med Europaparlamentets och rådets direktiv 2013/11/EU av den 21 maj 2013 om alternativ tvistlösning vid konsumenttvister och om ändring av förordning (EG) nr 2006/2004 och direktiv 2009/22/EG (i det följande benämnt direktivet om alternativ tvistlösning), införs lämpliga, obero- ende, opartiska, öppna och effektiva förfaranden för alternativ tvist- lösning för att avgöra tvister mellan betaltjänstanvändare och deras betal- tjänstleverantörer (artikel 102.1). Medlemsstaterna ska se till att dessa förfaranden är tillämpliga på betaltjänstleverantörer och att de även omfattar utsedda ombuds verksamhet (artikel 102.1 sista meningen). Behöriga organ ska utnyttjas när det är lämpligt och dessa organ ska samarbeta effektivt för att lösa eventuella gränsöverskridande tvister (artikel 102.1 och 102.2). Medlemsstaterna får föreskriva att förfaran- dena för alternativ tvistlösning inte ska tillämpas om betaltjänst- användaren inte är konsument (artikel 61.2).</P>
<P class="p214 ft6">Reglerna överensstämmer i stora delar med dem i första betaltjänst- direktivet. Enligt det direktivet ska medlemsstaterna se till att det inrättas förfaranden för klagomål och tvistlösning för att avgöra tvister mellan betaltjänstanvändare och deras betaltjänstleverantörer samt att befintliga organ ska utnyttjas när så är lämpligt (artikel 83.1). Av första betaltjänst- direktivet följer även att medlemsstaterna får föreskriva att tvistlösnings- förfarandena inte ska tillämpas om betaltjänstanvändaren inte är konsument (artikel 51.2).</P>
<P class="p878 ft6">Det som är nytt i andra betaltjänstdirektivet är hänvisningen till direktivet om alternativ tvistlösning och det uttryckliga kravet på att förfarandena ska vara oberoende, lämpliga och öppna. En annan nyhet är att förfarandena för alternativ tvistlösning även ska omfatta utsedda ombuds verksamhet (artikel 102.1).</P>
<P class="p628 ft3">När det gäller förfaranden för tvistlösning utanför domstol fann regeringen vid genomförandet av första betaltjänstdirektivet att det redan fanns lämpliga och effektiva förfaranden för att avgöra tvister om rättigheter och skyldigheter enligt betaltjänstlagen mellan betaltjänst-</P>
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<P class="p53 ft64">användare som är konsumenter och deras betaltjänstleverantörer. Allmänna reklamationsnämnden skulle enligt den då gällande förord- ningen (2007:1041) med instruktion för Allmänna reklamationsnämnden (numera ersatt av förordningen [2015:739] med instruktion för Allmänna reklamationsnämnden), pröva tvister mellan konsumenter och närings- idkare. Nämnden deltar även i <NOBR>FIN-NET,</NOBR> som är ett nätverk av tvistlös- ningsorgan inom EU, i vilket även sådana organ i länder inom EES som inte är medlemmar i EU ingår, med ansvar för att lösa tvister mellan konsumenter och leverantörer av finansiella tjänster. Enligt regeringens bedömning hade nämnden inom ramen för sin verksamhet också förutsätt- ningar för att uppfylla kravet i första betaltjänstdirektivet (artikel 83.2) på aktivt deltagande i samarbete för att lösa gränsöverskridande tvister. Regeringen fann att de tvistlösningsförfaranden som skulle finnas till- gängliga enligt första betaltjänstdirektivet tillhandahölls inom ramen för Allmänna reklamationsnämndens verksamhet och att det därför inte heller i denna del behövdes några nya bestämmelser i lag för att genomföra direktivet (prop. 2009/10:220 s. <NOBR>76–79).</NOBR></P>
<P class="p879 ft6">Allmänna reklamationsnämnden hanterar tvister mellan konsumenter och näringsidkare. En betaltjänstanvändare som inte är konsument kan alltså inte vända sig till nämnden för att få till stånd en prövning av om betaltjänstleverantören har överträtt betaltjänstlagen. Sverige har således utnyttjat möjligheten i första betaltjänstdirektivet (artikel 51.2) att låta tvist- lösningsförfarandena bara vara tillgängliga för betaltjänstanvändare som är konsumenter.</P>
<P class="p686 ft64">I andra betaltjänstdirektivet anges att förfarandena för tvistlösning ska införas i enlighet med direktivet om alternativ tvistlösning (artik- el 102.1). Det direktivet har genomförts i svensk rätt genom lagen om alternativ tvistlösning i konsumentförhållanden (i det följande benämnd tvistlösningslagen), som också innehåller kompletterande bestämmelser till Europaparlamentets och rådets förordning (EU) nr 524/2013 av den 21 maj 2013 om tvistlösning online vid konsumenttvister och om ändring av förordning (EG) nr 2006/2004 och direktiv 2009/22/EG (i det följande benämnd EU:s tvistlösningsförordning).</P>
<P class="p825 ft5">Tvistlösningslagen gäller för alternativ tvistlösning som initieras av en konsument avseende hans eller hennes anspråk mot en näringsidkare, om anspråket härrör från avtal om köp av vara eller tjänst mellan konsu- menten och näringsidkaren. I lagen anges bl.a. att en behörig myndighet, som utses av regeringen, ska besluta om godkännande av nämnder för alternativ tvistlösning. Av förordningen med instruktion för Allmänna reklamationsnämnden följer att nämnden är ett sådant organ för alternativ tvistlösning som avses i tvistlösningslagen och att nämnden ska fullgöra de uppgifter som alternativa tvistlösningsorgan har enligt direktivet om alternativ tvistlösning (1 §).</P>
<P class="p605 ft64">Av tvistlösningslagen (13 §) följer också att en näringsidkare är skyldig att lämna information om alternativ tvistlösning till konsumenter och att denna skyldighet sanktioneras enligt marknadsföringslagen. Vidare följer att en näringsidkare som helt eller delvis motsätter sig ett krav från en konsument på grund av ett avtal mellan dem, ska informera konsumenten om den nämnd för alternativ tvistlösning som konsumenten kan vända sig till för att få sitt krav prövat (11 §). Näringsidkaren ska också informera konsumenten om huruvida näringsidkaren avser att</P>
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<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">237</P>
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<DIV id="page_238">
<DIV>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">238</P>
</DIV>
<DIV id="id_2">
<P class="p460 ft3">medverka vid tvistlösningsförfarandet. Informationen ska vara klar och begriplig, innehålla den berörda tvistlösningsnämndens webbadress och postadress samt ges i en handling eller i någon annan läsbar och varaktig form som är tillgänglig för konsumenten.</P>
<P class="p463 ft5">När det gäller genomförandet i svensk rätt av andra betaltjänstdirektivet i denna del konstaterar regeringen, liksom vid genomförandet av första betaltjänstdirektivet, att Allmänna reklamationsnämndens verksamhet uppfyller de krav på förfaranden för alternativ tvistlösning som anges i direktivet. Förfarandena vid Allmänna reklamationsnämnden är även öppna för tvister som gäller tjänster som tillhandahållits genom ombud (jfr 3 kap. 17 § betaltjänstlagen) och de får även anses uppfylla de krav på oberoende, opartiska och öppna förfaranden som tillkommit i andra betaltjänstdirektivet. Regeringen finner också att förfaranden för alternativ tvistlösning även i fortsättningen bara bör vara öppna för betaltjänstanvändare som är konsumenter.</P>
<P class="p289 ft3">Medlemsstaterna ges också möjlighet att införa eller behålla mer fördel- aktiga regler än de som anges i direktivet (artikel 101.2). Regeringen anser inte att det finns skäl att utnyttja möjligheten att införa sådana regler.</P>
<P class="p317 ft4">Betaltjänstleverantörers klagomålshantering</P>
<P class="p528 ft5">Enligt andra betaltjänstdirektivet ska medlemsstaterna se till att betal- tjänstleverantörerna själva inför och tillämpar lämpliga och effektiva förfaranden för hantering och reglering av betaltjänstanvändares klago- mål som gäller de rättigheter och skyldigheter som fastställs i avdelning- arna III och IV i direktivet samt kontrollera leverantörernas åtgärder i detta avseende (artikel 101.1 första stycket). Dessa klagomålsförfaranden ska tillämpas i alla medlemsstater där betaltjänstleverantören tillhanda- håller betaltjänsterna och ska vara tillgängliga på ett språk som är offi- ciellt språk i den berörda medlemsstaten eller på ett annat språk som betaltjänstleverantören och betaltjänstanvändaren kommit överens om (artikel 101.1 andra stycket). Medlemsstaterna ska kräva att betaltjänst- leverantören gör allt för att besvara betaltjänstanvändares klagomål på papper eller något annat varaktigt medium som betaltjänstleverantören och betaltjänstanvändaren kommit överens om. Varje punkt i klagomålet ska besvaras inom rimlig tid och senast inom 15 bankdagar efter det att klagomålet tagits emot. Om särskilda omständigheter som betaltjänst- leverantören inte kan påverka medför att svaret inte kan lämnas inom 15 bankdagar, ska leverantören skicka ett preliminärt svar. I svaret ska klart anges skälen till att svaret försenats och redovisas när betaltjänst- användaren ska få det definitiva svaret. Tidsfristen för mottagande av det slutliga svaret får dock inte under några omständigheter överskrida 35 bankdagar (artikel 101.2 första stycket). Det står medlemsstaterna fritt att införa eller behålla regler för tvistlösningsförfaranden som är mer fördelaktiga för betaltjänstanvändaren än de nyss nämnda (artikel 101.2 andra stycket).</P>
<P class="p880 ft40">Av direktivet följer vidare att betaltjänstleverantören ska informera betaltjänstanvändaren om minst ett alternativt tvistlösningsorgan som är behörigt att behandla tvister som gäller de rättigheter och skyldigheter som fastställs i avdelningarna III och IV (artikel 101.3). Denna informa-</P>
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<P class="p490 ft3">tion ska vara tydlig, begriplig och lätt tillgänglig på betaltjänstleveran- Prop. 2017/18:77 törens webbplats, om sådan finns, vid filialen och i de allmänna villkoren</P>
<P class="p521 ft6">för avtal mellan betaltjänstleverantören och betaltjänstanvändaren. Det ska framgå var ytterligare information om det alternativa tvistlösnings- organet kan inhämtas och villkoren för att anlita ett sådant organ (artikel 101.4).</P>
<P class="p57 ft40">Regleringen i andra betaltjänstdirektivet om betaltjänstleverantörernas förfaranden för klagomål och tvistlösning är ny.</P>
<P class="p57 ft5">Regeringen anser, till skillnad från utredningen, att kravet i direktivet att en betaltjänstleverantör ska ha lämpliga och effektiva förfaranden för hantering av klagomål från betaltjänstanvändare bör genomföras i svensk rätt i en motsvarande bestämmelse i betaltjänstlagen. Mot bakgrund av de detaljerade kraven på betaltjänstleverantörernas klagomålshantering (artikel 101.1 och 101.2) framstår det dock som en lämplig ordning att regeringen eller den myndighet som regeringen bestämmer får meddela föreskrifter om hur en betaltjänstleverantör ska hantera klagomål från betaltjänstanvändare.</P>
<P class="p571 ft5">När det gäller skyldigheten att informera betaltjänstanvändaren om möjligheten till alternativ tvistlösning kan noteras att uppgift om för- faranden för alternativ tvistlösning ingår i den information som en betal- tjänstleverantör ska lämna innan en betaltjänstanvändare binds av ett ramavtal (artikel 52.7 b). I betaltjänstlagen anges att betaltjänstanvänd- aren innan ett ramavtal träffas ska informeras om vilka förfaranden för klagomål och prövning utanför domstol som finns för användaren (4 kap. 10 § 27) och att denna information ska tillhandahållas på papper eller annat varaktigt medium, uttryckas på ett lättillgängligt sätt och vara lätt att förstå (4 kap. 11 §). Vidare är de betaltjänstleverantörer som ska tillämpa tvistlösningslagen redan i dag skyldiga att vid tvist informera en konsument om den nämnd för alternativ tvistlösning som konsumenten kan vända sig till för att få sitt krav prövat. I tvistlösningslagen finns också krav på informationsgivning som motsvarar kraven i andra betaltjänstdirektivet. Näringsidkarna är också enligt EU:s tvistlösnings- förordning skyldiga att lämna information om tvistlösningsorgan (artikel 14). Mot bakgrund av bestämmelserna om alternativ tvistlösning i tvistlösningslagen och i EU:s tvistlösningsförordning anser regeringen att det inte krävs någon ytterligare lagstiftningsåtgärd för att genomföra de nu aktuella reglerna i andra betaltjänstdirektivet om information om ett alternativt tvistlösningsorgan.</P>
<P class="p881 ft97"><SPAN class="ft118">12.2</SPAN><SPAN class="ft159">Behöriga myndigheter, tillsyn och sanktioner</SPAN></P>
<P class="p882 ft3"><SPAN class="ft42">Regeringens bedömning: </SPAN>Reglerna i andra betaltjänstdirektivet om behöriga myndigheter och deras befogenheter kräver inte någon lagstiftningsåtgärd.</P>
<P class="p370 ft127">Utredningens förslag och bedömning <SPAN class="ft40">överensstämmer delvis med regeringens bedömning. Utredningens förslag och bedömning avviker från regeringens bedömning genom att utredningen föreslår att det i lag ska anges att Finansinspektionen ska ange i vilket syfte upplysningar</SPAN></P>
<P class="p160 ft3">239</P>
</DIV>
<DIV id="page_240">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">240</P>
</DIV>
<DIV id="id_2">
<P class="p460 ft3">begärs, när detta är lämpligt, och inom vilken tidsfrist informationen ska lämnas.</P>
<P class="p463 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget och bedömningen eller har inget att invända mot dem. <SPAN class="ft4">Sveriges advokatsamfund </SPAN>anser dock att det är olämpligt att Finansinspektionen – som är en myndighet under regeringen – omnämns och pekas ut som behörig myndighet direkt i betaltjänstlagen och förordar i stället att det införs en lag om Finans- inspektionen där regeringen bemyndigas att genom beslut ange Finans- inspektionen som behörig myndighet enligt betaltjänstlagen.</P>
<P class="p272 ft42">Skälen för regeringens bedömning</P>
<P class="p45 ft4">Andra betaltjänstdirektivet</P>
<P class="p772 ft5">Andra betaltjänstdirektivet innehåller regler om behöriga myndigheter och tillsyn. När det gäller tillsyn ska medlemsstaterna se till att de kontroller som de behöriga myndigheterna genomför för att kontrollera löpande efterlevnad av reglerna i avdelning II i direktivet är proportionerliga, tillräckliga och motsvarar de risker som betalningsinstituten är expon- erade för (artikel 23.1). För att kontrollera att reglerna avseende betal- tjänstleverantörer efterlevs ska de behöriga myndigheterna särskilt ha rätt att vidta ett antal åtgärder, däribland begära att betalningsinstitut till- handahåller all information som krävs för att övervaka efterlevnaden, med angivande av syftet med begäran, när så är lämpligt, och av den tidsfrist inom vilken informationen ska lämnas (artikel 23.1 a). Behöriga myndigheter ska även kunna genomföra inspektion på plats hos betal- ningsinstitutet, ombud eller filialer som tillhandahåller betaltjänster under betalningsinstitutets ansvar eller enheter till vilka betaltjänst- verksamhet har utkontrakterats (artikel 23.1 b). Vidare ska de behöriga myndigheterna kunna utfärda rekommendationer och riktlinjer och, i tillämpliga fall, bindande administrativa bestämmelser samt tillfälligt upphäva eller återkalla en auktorisation enligt ett visst förfarande (artikel 23.1 c). Reglerna är tillämpliga även på registrerade betaltjänst- leverantörer (artikel 32.3).</P>
<P class="p878 ft6">I dessa delar finns i huvudsak motsvarande regler i första betal- tjänstdirektivet (se artikel 21.1). Det direktivet innehåller dock inte någon regel om att en behörig myndighet ska ange vilket som är syftet med en begäran om information när detta är lämpligt och inte heller att det ska anges en tidsfrist inom vilken information ska lämnas (artikel 23.1 a i andra betaltjänstdirektivet).</P>
<P class="p616 ft64">Medlemsstaterna ska vidare svara för att deras behöriga myndigheter kan besluta om sanktioner mot betalningsinstituten och mot dem som har ett bestämmande inflytande över betalningsinstitutens verksamhet eller vidta åtgärder i syfte att avbryta överträdelser eller orsakerna till sådana överträdelser (artikel 23.2). Slutligen ska medlemsstaterna säkerställa att de behöriga myndigheterna har rätt att vidta de angivna åtgärderna för att se till att det finns ett tillräckligt kapital för att kunna genomföra betal- tjänster, särskilt i de fall när den del av betalningsinstitutets verksamhet som inte avser betaltjänster försämrar eller kan komma att försämra betalningsinstitutets finansiella sundhet (artikel 23.3).</P>
<P class="p883 ft3">Även i denna del finns motsvarande regler i första betaltjänstdirektivet (se artikel 21.2 och 21.3).</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_241">
<DIV>
<DIV id="id_1">
<P class="p611 ft5">I andra betaltjänstdirektivet har det även tillkommit ytterligare regler om behöriga myndigheter (artikel 100). Enligt dessa regler ska medlems- staterna utse behöriga myndigheter för att säkerställa och övervaka att direktivet följs effektivt (artikel 100.1). De behöriga myndigheterna ska vidta alla lämpliga åtgärder för att se till att så sker. Myndigheterna ska vara antingen a) behöriga myndigheter i den mening som avses i Ebaförordningen eller b) organ som erkänts enligt nationell rätt eller av offentliga myndigheter som enligt nationell rätt uttryckligen har bemyndigats för detta ändamål. De får, med undantag för nationella centralbanker, inte vara betaltjänstleverantörer. De behöriga myndig- heterna ska vidare ha alla befogenheter och resurser som krävs för att fullgöra sina uppdrag (artikel 100.2).</P>
<P class="p884 ft6">Av andra betaltjänstdirektivet följer vidare att de behöriga myndig- heterna ska utöva sina befogenheter i enlighet med nationell rätt antingen a) direkt inom ramen för sina egna befogenheter eller under tillsyn av de rättsliga myndigheterna eller b) genom ansökan till domstolar som är be- höriga att fatta det beslut som krävs samt när så är lämpligt, genom över- klagande, om ansökan om att fatta det nödvändiga beslutet avslås (artikel 100.3).</P>
<P class="p884 ft6">Även om dessa regler saknar direkt uttrycklig motsvarighet i första betaltjänstdirektivet finns det en viss överlappning mellan de reglerna om behörig myndighet och tillsyn och liknande regler i såväl första som andra betaltjänstdirektivet. Att en behörig myndighet ska utses på visst sätt och att den ska ha alla befogenheter den behöver följer t.ex. även av andra regler i första betaltjänstdirektivet (artikel 20) och andra betal- tjänstdirektivet (artikel 22).</P>
<P class="p746 ft3">I andra betaltjänstdirektivet finns också regler om vilken medlemsstats myndighet som ska vara behörig myndighet när det gäller gränsöver- skridande verksamhet (artikel 100.4). Dessa regler finns även i första betaltjänstdirektivet (artikel 82.2).</P>
<P class="p611 ft64">Medlemsstaterna ska fastställa regler om sanktioner för överträdelse av de bestämmelser i nationell rätt som införlivar direktivet (artikel 103). Reglerna motsvarar första betaltjänstdirektivets krav på effektiva, proportionella och avskräckande sanktioner (se artikel 81.1). Det har dock tillkommit en regel om att medlemsstaterna ska tillåta att deras behöriga myndigheter offentliggör administrativa sanktioner som påförs för överträdelser av de bestämmelser som antas för införlivande av direk- tivet, om inte offentliggörandet allvarligt äventyrar de finansiella mark- naderna eller åsamkar de berörda parterna oproportionerlig skada.</P>
<P class="p263 ft4">Genomförande i svensk rätt</P>
<P class="p663 ft64">Reglerna i första betaltjänstdirektivet om behöriga myndigheter, tillsyn och sanktioner har i svensk rätt genomförts i bestämmelser i betaltjänst- lagen (8 kap.). Där anges bl.a. att det är Finansinspektionen som har tillsyn över att bestämmelserna i den lagen följs samt att tillsynen över betalningsinstitut och registrerade betaltjänstleverantörer också omfattar att deras betaltjänstverksamhet drivs i enlighet med andra författningar som reglerar deras verksamhet (8 kap. 1 §). Enligt betaltjänstlagen ska betalningsinstitut, registrerade betaltjänstleverantörer eller den som ansvarar för ett betalningssystem lämna Finansinspektionen de upplys-</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">241</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_242">
<TABLE cellpadding=0 cellspacing=0 class="t93">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=2 class="tr22 td93"><P class="p3 ft7">ningar om sin verksamhet och därmed sammanhängande omständigheter</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">som inspektionen begär (8 kap. 2 §). I betaltjänstlagen anges även vilka</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">befogenheter som Finansinspektionen har i egenskap av behörig myndig-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">het och vilka sanktioner som kan följa på överträdelser av lagen.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td185"><P class="p31 ft3">Regeringen konstaterar att de reglerna i</P></TD>
<TD class="tr15 td160"><P class="p17 ft3">andra betaltjänstdirektivet</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">i stort sett överensstämmer med dem i första betaltjänstdirektivet när det</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">gäller hur behöriga myndigheter ska utses och tillsyn. Dessa regler har,</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">som nämns ovan, genomförts i svensk rätt i bestämmelser i betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">lagen. I andra betaltjänstdirektivet har det dock, som nämns ovan, till-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">kommit en regel som innebär att när en behörig myndighet i samband</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">med sin tillsyn begär att en betaltjänstleverantör ska lämna information,</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">ska myndigheten ange vilket som är syftet med begäran, när detta är</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">lämpligt, och också inom vilken tidsfrist informationen ska lämnas</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td185"><P class="p3 ft3">(artikel 23.1 a).</P></TD>
<TD class="tr15 td160"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft5">Regeringen konstaterar att Finansinspektionen, i egenskap av förvalt-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">ningsmyndighet, redan i dag har att följa dels allmänna förvaltnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">rättsliga principer, dels förvaltningslagen (1986:223). I detta ligger krav</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">på såväl tydlighet som snabbhet. Av 7 § förvaltningslagen följer bl.a. att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">handläggningen i ett ärende där någon enskild är part ska ske så enkelt,</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">snabbt och billigt som möjligt utan att säkerheten eftersätts. Motsvarande</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">krav kommer enligt 9 § den nya förvaltningslagen (2017:900), som träder</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">i kraft den 1 juli 2018, att gälla generellt för all ärendehantering (se prop.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">2016/17:180 s. <NOBR>73–77).</NOBR> Regeringen kan vidare konstatera att förvalt-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">ningsmyndigheternas utredningsansvar i dag, till skillnad mot vad som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">gäller i fråga om handläggningen hos förvaltningsdomstolarna, inte är</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">särskilt reglerat i lag. Enligt praxis gäller officialprincipen dock även i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">förfarandet hos förvaltningsmyndigheterna (samma prop. s. 148). I 23 §</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">den nya förvaltningslagen slås detta ansvar uttryckligen fast och preci-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">seras. Den kan också noteras att den nya förvaltningslagens bestäm-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">melser om myndigheternas skyldighet att motivera sina beslut har getts</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">en vidare räckvidd än den nuvarande lagens motsvarande bestämmelser.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">Kravet på en klargörande motivering omfattar i princip alla beslut som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">påverkar någons situation på ett inte obetydligt sätt (32 §). Dessa bestäm-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">melser bör enligt regeringens mening kunna tillämpas i ljuset av reglerna</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">i andra betaltjänstdirektivet om motivering av informationsförelägg-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">anden. Vidare torde myndigheten som utgångspunkt ange tidsfrister för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">när begärd information ska vara myndigheten tillhanda (jfr 12 § förvalt-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">ningsprocesslagen [1971:291]). Mot denna bakgrund anser regeringen,</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">till skillnad från utredningen, att de nu aktuella reglerna i direktivet inte</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td185"><P class="p3 ft6">bör föranleda någon lagstiftningsåtgärd.</P></TD>
<TD class="tr16 td160"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft3">I andra betaltjänstdirektivet finns också regler om behöriga myndig-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td185"><P class="p3 ft6">heter som inte har någon motsvarighet i</P></TD>
<TD class="tr16 td160"><P class="p17 ft5">första betaltjänstdirektivet.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td185"><P class="p3 ft6">I andra betaltjänstdirektivet anges bl.a. att</P></TD>
<TD class="tr16 td160"><P class="p17 ft5">medlemsstaterna ska utse</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">behöriga myndigheter för att säkerställa att direktivet följs effektivt och</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">att dessa ska ha alla befogenheter och resurser som krävs för att fullgöra</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">sina uppdrag (artikel 100). Det följer dock av betaltjänstlagen att det är</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">Finansinspektionen som har tillsynsansvar och i den lagen anges också</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">vilka befogenheter som inspektionen har i denna egenskap. Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">inspektionen uppfyller således redan i dag de krav som ställs upp för att</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">en myndighet ska anses vara behörig myndighet enligt direktivet. Det</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">242</P></TD>
<TD colspan=2 class="tr28 td93"><P class="p3 ft5">krävs därför inte någon lagstiftningsåtgärd för att genomföra dessa nya</P></TD>
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<P class="p476 ft3">regler i direktivet. Det kan i detta sammanhang konstateras att i betal- Prop. 2017/18:77 tjänstlagen anges Finansinspektionen som behörig myndighet i likhet</P>
<P class="p477 ft5">med i många andra lagar på finansmarknadsområdet (se t.ex. lagen om bank- och finansieringsrörelse och lagen [2007:528] om värdepap- persmarknaden). Regeringen anser att det inte finns skäl att, som <SPAN class="ft41">Sveriges advokatsamfund </SPAN>förespråkar, införa en annan ordning.</P>
<P class="p644 ft5">När det gäller sanktioner överensstämmer reglerna i andra betaltjänst- direktivet (artikel 103.1) med dem i första betaltjänstdirektivet (artikel 81). De reglerna i första betaltjänstdirektivet har i svensk rätt genomförts i bestämmelser i betaltjänstlagen (8 kap. <NOBR>8–25</NOBR> §§). I andra betaltjänstdirektivet har det dock tillkommit en regel om att medlemsstaterna ska tillåta att de behöriga myndigheterna offentliggör de administrativa sanktioner som påförs för överträdelser av de bestäm- melser som har antagits för att införliva direktivet, om inte offentlig- görandet allvarligt äventyrar de finansiella marknaderna eller åsamkar de berörda parterna oproportionell skada (artikel 103.2). Enligt 30 kap. 4 § offentlighets- och sekretesslagen (2009:400) råder sekretess för vissa uppgifter som förekommer i Finansinspektionens verksamhet. Bestäm- melsen innebär att sekretess gäller för uppgift om affärs- eller drift- förhållanden hos den som myndighetens verksamhet avser, om det kan antas att han eller hon lider skada om uppgiften röjs. Det föreligger alltså en presumtion att Finansinspektionen får offentliggöra uppgifter om åtgärder eller sanktioner, men att sekretess råder om det kan antas att den berörde lider skada om uppgiften röjs. Av andra betaltjänstdirektivet följer att beslut ska offentliggöras om inte offentliggörandet allvarligt äventyrar de finansiella marknaderna eller åsamkar de berörda parterna oproportionell skada. Enligt regeringens bedömning utgör inte 30 kap. 4 § offentlighets- och sekretesslagen hinder för att offentliggöra besluten på det sätt som föreskrivs i direktivet.</P>
<P class="p885 ft40">Den nu aktuella regeln i andra betaltjänstdirektivet kräver därför inte att det införs någon uttrycklig bestämmelse i betaltjänstlagen. Inte heller i övrigt finns det med anledning av genomförandet av det direktivet skäl att ändra nuvarande bestämmelser om sanktioner i betaltjänstlagen.</P>
<P class="p886 ft162"><SPAN class="ft31">13</SPAN><SPAN class="ft161">Verksamhet över gränserna och tillhandahållande av betaltjänster genom ombud eller filial i Sverige</SPAN></P>
<P class="p887 ft37"><SPAN class="ft118">13.1</SPAN><SPAN class="ft160">Uppdragsavtal och tillhandahållande av tjänster genom ombud i Sverige eller ett annat land inom EES</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr33 td58"><P class="p3 ft110">13.1.1</P></TD>
<TD class="tr33 td189"><P class="p90 ft110">Inledning</P></TD>
<TD class="tr33 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td298"><P class="p3 ft3">I andra betaltjänstdirektivet finns regler om vad som ska gälla när ett</P></TD>
<TD class="tr2 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td298"><P class="p3 ft3">betalningsinstitut avser att tillhandahålla betaltjänster genom ombud och</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td298"><P class="p3 ft3">vilka förutsättningar som ska gälla för utkontraktering av verksamhet</P></TD>
<TD class="tr20 td78"><P class="p17 ft3">243</P></TD>
</TR>
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<P class="p572 ft3">Prop. 2017/18:77 (uppdragsavtal) (artikel 19). Reglerna gäller även för registrerade betaltjänstleverantörer (artikel 32.3), men inte sådana aktörer som endast tillhandahåller kontoinformationstjänster (artikel 33.1, se närmare om detta i avsnitt 7.3.3).</P>
<P class="p888 ft112"><SPAN class="ft42">13.1.2</SPAN><SPAN class="ft163">Uppgifter som ska lämnas till Finansinspektionen när betaltjänster ska tillhandahållas genom ombud</SPAN></P>
<P class="p889 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Ett betalningsinstitut eller en registrerad betal- tjänstleverantör som vill tillhandahålla betaltjänster genom ombud ska, utöver de uppgifter som ska lämnas enligt gällande rätt, lämna uppgifter till Finansinspektionen om vilka betaltjänster som ombudet har i uppdrag att tillhandahålla och, om sådana uppgifter finns, ombudets unika identifikationskod eller identifikationsnummer.</P>
<P class="p550 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft3">det.</P>
<P class="p486 ft6"><SPAN class="ft80">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska ett betalningsinstitut eller en registrerad betaltjänstleverantör som vill tillhandahålla betaltjänster genom ombud lämna information till de behöriga myndigheterna i hemmedlemsstaten om ombudets namn och adress, en beskrivning av mekanismer för intern kontroll för att fullgöra skyldigheter när det gäller åtgärder mot penningtvätt och finansiering av terrorism, uppgifter om företagsledningen för ombudsföretaget, uppgift om de betaltjänster som ombudet ska ha mandat för samt, i tillämpliga fall, ombudets unika identifikationskod eller identifikationsnummer (artikel 19.1).</P>
<P class="p482 ft6">Dessa krav motsvarar i huvudsak de krav som anges i första betal- tjänstdirektivet (artikel 17.1). Kraven på att information ska lämnas om vilka betaltjänster ombudet har mandat för och ombudets unika identifikationskod (artikel 19.1 d och e) är dock nya i andra betaltjänst- direktivet.</P>
<P class="p848 ft6">Enligt betaltjänstlagen ska ett betalningsinstitut eller en registrerad betaltjänstleverantör som vill tillhandahålla betaltjänster genom ombud anmäla detta till Finansinspektionen (3 kap. 17 §). Finansinspektionen ska i sin tur registrera ombudet under förutsättning att vissa angivna krav på anmälan är uppfyllda. Dessa krav motsvarar kraven i första betal- tjänstdirektivet.</P>
<P class="p543 ft3">I konsekvens med det tillägg som gjorts i andra betaltjänstdirektivet bör motsvarande krav tas in i bestämmelser i betaltjänstlagen, dvs. att ett betalningsinstitut eller en registrerad betaltjänstleverantör som avser att använda sig av ett ombud även ska lämna information till Finansinspek- tionen om de betaltjänster som ombudet har i uppdrag att tillhandahålla samt ombudets unika identifikationskod eller identifikationsnummer om sådana uppgifter finns.</P>
<P class="p890 ft3">244</P>
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<TR>
<TD class="tr50 td58"><P class="p241 ft42">13.1.3</P></TD>
<TD class="tr50 td260"><P class="p90 ft110">Tid för Finansinspektionens registrering av</P></TD>
<TD class="tr50 td88"><P class="p31 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr22 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td260"><P class="p90 ft110">ombud</P></TD>
<TD class="tr22 td88"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
<TD class="tr42 td88"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Beslut i fråga om registrering av ett ombud ska</P></TD>
<TD class="tr28 td88"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">fattas inom två månader från det att anmälan togs emot. Innan regist-</P></TD>
<TD class="tr16 td88"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td285"><P class="p41 ft3">rering har gjorts får ombudet inte tillhandahålla betaltjänster.</P></TD>
<TD class="tr20 td88"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr46 td326"><P class="p3 ft8"> </P></TD>
<TD class="tr46 td327"><P class="p3 ft8"> </P></TD>
<TD class="tr47 td88"><P class="p3 ft130"> </P></TD>
</TR>
</TABLE>
<P class="p174 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att det i utredningens förslag inte anges att Finansinspektionen ska fatta ett beslut i fråga om registrering utan endast meddela betalningsinstitutet eller den registrerade betaltjänstleverantören om registrering har gjorts.</P>
<P class="p570 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p57 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska den behöriga myndigheten i hemmedlemsstaten inom två månader efter mottagande av information om ombudet meddela betalningsinstitutet eller den registrerade betaltjänstleverantören huruvida ombudet har förts in i det nationella registret (artikel 19.2 första meningen). Efter införandet i registret får ombudet börja tillhandahålla betaltjänster (artikel 19.2 andra meningen). Det finns inte några regler i första betaltjänstdirektivet som avser tidpunkten för beslut i fråga om registrering eller som uttryckligen anger att ett ombud inte får tillhandahålla betaltjänster innan registrering har gjorts.</P>
<P class="p174 ft5">För att genomföra andra betaltjänstdirektivet i denna del (artikel 19.2) bör motsvarande bestämmelser tas in i betaltjänstlagen. I direktivet anges att den registrerade betaltjänstleverantören ska meddelas om huruvida betalningsinstitut har registrerats. I lagrådsremissen föreslås att det i betaltjänstlagen tas in en bestämmelse om att en underrättelse om beslutet om registrering ska ske inom två månader. En underrättelse förutsätter dock att det fattas ett beslut om registrering. Som <SPAN class="ft41">Lagrådet </SPAN>föreslår bör bestämmelsen därför avse tidpunkten för beslut om registrering. Det är då inte nödvändigt att även ange att en underrättelse ska ske, eftersom detta följer av förvaltningslagen (21 § den nuvarande förvaltningslagen och 33 § den nya förvaltningslagen).</P>
<P class="p523 ft3">Enligt <SPAN class="ft4">Lagrådet </SPAN>bör det av bestämmelsen även framgå att Finans- inspektionen ska göra en allmän prövning av om det anmälda ombudet är lämpligt innan registrering sker. Regeringen anser emellertid att det inte finns stöd i direktivet för att den behöriga myndigheten ska göra en sådan allmän prövning av ombudets lämplighet (se artikel 19.1 och 19.4). Den lämplighetsprövning som ska göras avser endast ombudets ledande befattningshavare (3 kap. 17 § första stycket 3 betaltjänstlagen och artikel 19.1 c i direktivet).</P>
<P class="p891 ft110"><SPAN class="ft42">13.1.4</SPAN><SPAN class="ft134">Underrättelser om ändringar i verksamheten</SPAN></P>
<P class="p892 ft64"><SPAN class="ft129">Regeringens förslag: </SPAN>Om ett betalningsinstitut eller en registrerad betaltjänstleverantör avser att ändra i verksamhet som någon annan har fått i uppdrag att utföra, ska institutet eller leverantören anmäla detta till</P>
<P class="p841 ft128">Finansinspektionen innan ändringen genomförs.</P>
<P class="p160 ft3">245</P>
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<P class="p893 ft3">Prop. 2017/18:77 <SPAN class="ft42">Regeringens bedömning: </SPAN>Kravet i andra betaltjänstdirektivet om att ett betalningsinstitut eller en registrerad betaltjänstleverantör utan onödigt dröjsmål ska underrätta den behöriga myndigheten i hemmedlemsstaten om eventuella ändringar i användningen av ombud är uppfyllt genom gällande svensk rätt.</P>
<P class="p894 ft42">Utredningens förslag och bedömning <SPAN class="ft3">överensstämmer med regeringens förslag och bedömning.</SPAN></P>
<P class="p634 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget och bedömningen eller har inget att invända mot dem.</P>
<P class="p726 ft78">Skälen för regeringens förslag och bedömning: <SPAN class="ft5">I andra betaltjänst- direktivet anges att ett betalningsinstitut eller en registrerad betaltjänst- leverantör utan onödigt dröjsmål ska underrätta den behöriga myndig- heten om eventuella ändringar i användningen av enheter till vilka verksamheter utkontrakterats och, i enlighet med det förfarande som gäller för anmälan av ombud, ändringar när det gäller ombud, inbegripet ytterligare ombud (artikel 19.8).</SPAN></P>
<P class="p634 ft6">I första betaltjänstdirektivet finns en regel om att en förändring när det gäller den information som tillhandahållits i samband med en ansökan om tillstånd utan onödigt dröjsmål ska meddelas den behöriga myndig- heten i hemmedlemsstaten (artikel 14). Regeln om underrättelser vid ändringar i användningen av enheter till vilka verksamheter utkontrakt- erats och användningen av ombud är dock ny (artikel 19.8 i andra betaltjänstdirektivet).</P>
<P class="p635 ft5">Regeln i första betaltjänstdirektivet har i svensk rätt genomförts i en bestämmelse i betaltjänstlagen. Enligt betaltjänstlagen ska Finansinspek- tionen underrättas när verksamhet som tillhandahålls genom ombud ändras (3 kap. 25 §). En underrättelse ska lämnas innan ändringen genomförs. Kravet på att underrättelse ska ske innan ändringen genom- förs måste anses tillgodose andra betaltjänstdirektivets krav på under- rättelse utan onödigt dröjsmål. Hänvisningen i andra betaltjänstdirektivet till det förfarande som gäller för anmälan av ombud avser den behöriga myndighetens hantering av en anmälan av nytt ombud. Bestämmelserna i betaltjänstlagen om anmälan av ombud är tillämpliga även vid senare anmälan av ytterligare ombud (3 kap. 17 §, se avsnitt 13.1.2). Regeringen finner därför att reglerna i andra betaltjänstdirektivet om anmälan av ändring i verksamhet som tillhandahålls genom ombud inte kräver någon lagstiftningsåtgärd.</P>
<P class="p895 ft64">I syfte att genomföra direktivet bör det dock tas in en bestämmelse i betaltjänstlagen om att Finansinspektionen ska underrättas om ändringar i uppdragsverksamhet. Bestämmelsen bör utformas på samma sätt som bestämmelsen om underrättelser om ändringar när det gäller ombud, dvs. det bör anges att underrättelsen ska ske innan ändringen genomförs.</P>
<TABLE cellpadding=0 cellspacing=0 class="t107">
<TR>
<TD class="tr27 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td89"><P class="p152 ft97">13.2</P></TD>
<TD class="tr27 td296"><P class="p146 ft97">Verksamhet över gränserna</P></TD>
</TR>
<TR>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td89"><P class="p152 ft110">13.2.1</P></TD>
<TD class="tr29 td296"><P class="p146 ft110">Inledning</P></TD>
</TR>
<TR>
<TD class="tr22 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td129"><P class="p152 ft3">I andra betaltjänstdirektivet finns regler om vilka förfaranden som ska</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr50 td13"><P class="p17 ft7">246</P></TD>
<TD class="tr20 td89"><P class="p152 ft3">tillämpas</P></TD>
<TD class="tr20 td296"><P class="p3 ft3">bl.a. när ett företag tillhandahåller betaltjänster i andra</P></TD>
</TR>
<TR>
<TD class="tr40 td89"><P class="p3 ft17"> </P></TD>
<TD class="tr40 td296"><P class="p3 ft17"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_247">
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<P class="p476 ft3">medlemsstater än hemmedlemsstaten genom att utöva etableringsrätten Prop. 2017/18:77 eller friheten att tillhandahålla tjänster (artikel 28). Registrerade betal-</P>
<P class="p656 ft3">tjänstleverantörer omfattas inte av rätten att driva sådan gränsöver- skridande verksamhet (artikel 32.3). Reglerna gäller dock för betaltjänst- leverantörer som tillhandahåller kontoinformationstjänster (se av- snitt 7.3.3). När det i avsnitt 13.2 redogörs för betalningsinstitut avses även betaltjänstleverantörer som tillhandahåller kontoinformations- tjänster.</P>
<P class="p896 ft112"><SPAN class="ft42">13.2.2</SPAN><SPAN class="ft163">Uppgifter som ska lämnas till Finansinspektionen när betaltjänster ska tillhandahållas i ett annat land inom EES</SPAN></P>
<P class="p768 ft6"><SPAN class="ft80">Regeringens förslag: </SPAN>Ett betalningsinstitut eller en betaltjänst- leverantör som tillhandahåller kontoinformationstjänster som avser att tillhandahålla betaltjänster i ett annat land inom EES genom ombud ska, utöver de uppgifter som ska lämnas när ett ombud ska anlitas, lämna uppgifter om betaltjänstleverantörens namn och adress samt i vilket land verksamheten ska drivas.</P>
<P class="p897 ft6">Ett betalningsinstitut eller en betaltjänstleverantör som tillhanda- håller kontoinformationstjänster som avser att tillhandahålla betal- tjänster genom en filial i ett annat land inom EES ska underrätta Finansinspektionen innan verksamheten påbörjas. Underrättelsen ska innehålla uppgifter om betaltjänstleverantörens namn och adress, uppgift om i vilket land filialen ska inrättas, uppgifter om vilka betal- tjänster filialen kommer att tillhandahålla och en beskrivning av filialens organisatoriska struktur och vilka som är ansvariga för ledningen av filialen.</P>
<P class="p898 ft70">Betalningsinstitutet eller betaltjänstleverantören som tillhandahåller kontoinformationstjänster ska även underrätta Finansinspektionen om vilken dag tillhandahållandet av betaltjänster genom ombudet påbörjas i det andra landet. Detsamma ska gälla ett betalningsinstitut eller en betaltjänstleverantör som tillhandahåller kontoinformationstjänster som avser att tillhandahålla betaltjänster genom en filial.</P>
<P class="p899 ft5">Ett betalningsinstitut eller en betaltjänstleverantör som tillhanda- håller kontoinformationstjänster som avser att från Sverige tillhanda- hålla betaltjänster i ett annat land inom EES ska underrätta Finans- inspektionen innan verksamheten påbörjas. Underrättelsen ska inne- hålla uppgifter om betaltjänstleverantörens namn och adress, uppgift om i vilket land leverantören ska driva sin verksamhet och uppgifter om vilka betaltjänster leverantören avser att tillhandahålla.</P>
<P class="p900 ft3"><SPAN class="ft42">Regeringens bedömning: </SPAN>Ytterligare föreskrifter om vilka upp- gifter som ska lämnas i samband med en underrättelse om avsikt att tillhandahålla betaltjänster genom en filial kan meddelas med stöd av befintligt bemyndigande i betaltjänstlagen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t78">
<TR>
<TD class="tr22 td298"><P class="p661 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag</P></TD>
<TD class="tr22 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">och bedömning. Utredningens förslag avviker från regeringens förslag</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft6">genom att utredningen föreslår att nuvarande bestämmelser om vilka</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p661 ft7">uppgifter som ett betalningsinstitut ska lämna när det avser att tillhanda-</P></TD>
<TD rowspan=2 class="tr1 td78"><P class="p17 ft3">247</P></TD>
</TR>
<TR>
<TD class="tr14 td298"><P class="p3 ft18"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_248">
<P class="p498 ft64">Prop. 2017/18:77 hålla betaltjänster i ett annat land inom EES genom ombud endast ska kompletteras på så sätt att betalningsinstitutet ska lämna samma uppgifter om ombudet som ska lämnas om ombud som ska verka i Sverige. När det gäller inrättande av filial i ett annat land inom EES föreslår utredningen endast att nuvarande bestämmelse ska kompletteras med uppgift om den dag då verksamheten genom filialen ska påbörjas. Utredningens förslag innebär inte att underrättelse om den dag då verksamheten faktiskt inleds i värdlandet ska göras vid ett annat tillfälle än vid underrättelsen om att verksamhet ska inledas i ett annat land. Utredningen föreslår inte någon ändring av bestämmelserna om vilka uppgifter som ett betalningsinstitut ska lämna när det avser att tillhandahålla betaltjänster från Sverige i ett annat land inom EES. Utredningen föreslår däremot ett bemyndigande för regeringen eller den myndighet som regeringen bestämmer att med- dela föreskrifter om vad en underrättelse ska innehålla.</P>
<P class="p901 ft76"><SPAN class="ft135">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p902 ft42">Skälen för regeringens förslag och bedömning</P>
<P class="p781 ft4">Inledning</P>
<P class="p782 ft64">Enligt andra betaltjänstdirektivet ska ett betalningsinstitut som avser att tillhandahålla betaltjänster genom att utöva etableringsrätten eller fri- heten att tillhandahålla tjänster i en annan medlemsstat lämna vissa upp- gifter till den behöriga myndigheten i hemmedlemsstaten (artikel 28.1).</P>
<P class="p482 ft6">I första betaltjänstdirektivet finns regler om vilket förfarande som ska tillämpas i dessa situationer (artiklarna 17.5 och 25.1). I dessa regler anges att ett betalningsinstitut som önskar tillhandahålla betaltjänster i en annan medlemsstat ska underrätta den behöriga myndigheten, men det anges inte specifikt vilken information som ska lämnas i samband med en sådan underrättelse. Däremot finns regler om vilka uppgifter den behöriga myndigheten ska lämna vidare till den behöriga myndigheten i värdmedlemsstaten.</P>
<P class="p482 ft3">Dessa regler i första betaltjänstdirektivet har genomförts i svensk rätt i bestämmelser i betaltjänstlagen (3 kap. <NOBR>18–21</NOBR> §§). I de bestämmelserna anges att betalningsinstitutet ska lämna viss information till Finans- inspektionen i samband med underrättelsen.</P>
<P class="p486 ft5">I andra betaltjänstdirektivet har det alltså tillkommit regler som preci- serar vilken information som ska lämnas till den behöriga myndigheten. Det handlar dels om information som ska lämnas oavsett om betalnings- institutet avser att tillhandahålla tjänsten direkt från hemmedlemsstaten eller via ett ombud eller en filial – såsom kontaktuppgifter, uppgift om i vilka medlemsstater verksamheten ska drivas och vilka betaltjänster som ska tillhandahållas (artikel 28.1 första stycket <NOBR>a–c)</NOBR> <NOBR>–,</NOBR> dels om särskild information beroende på om betalningsinstitutet avser att tillhandahålla tjänsten via ett ombud (artikel 28.1 första stycket d) eller en filial (artikel 28.1 första stycket e).</P>
<P class="p903 ft3">248</P>
</DIV>
<DIV id="page_249">
<DIV>
<DIV id="id_1">
<P class="p904 ft4">Tillhandahållande av betaltjänster i ett annat land inom EES genom anlitande av ombud</P>
<P class="p905 ft5">När ett betalningsinstitut har för avsikt att använda ett ombud i en annan medlemsstat ska betalningsinstitutet, enligt andra betaltjänstdirektivet, lämna uppgifter om institutets namn och adress samt, i tillämpliga fall, auktorisationsnummer, i vilka medlemsstater det har för avsikt att driva verksamheten, vilka betaltjänster det kommer att tillhandahålla, samt de uppgifter om ombudet som ska lämnas när ombudet ska verka inom hemmedlemsstaten (artikel 28.1 första stycket <NOBR>a–c</NOBR> och artikel 28.1 första stycket d som hänvisar till artikel 19.1), dvs. de uppgifter som behandlas i avsnitt 13.1.2.</P>
<P class="p686 ft64">Enligt betaltjänstlagen ska ett betalningsinstitut som vill tillhandahålla tjänster i ett annat land inom EES genom ombud underrätta Finans- inspektionen om detta (3 kap. 18 §). Underrättelsen ska innehålla vissa uppgifter. Regeringen anser att de uppgifter som anges i betaltjänstlagen visserligen i stora drag motsvaras av informationskraven i andra betal- tjänstdirektivet. Direktivet innehåller emellertid detaljerade regler om detta och enligt regeringens uppfattning bör bestämmelsen i lagen utformas så direktivnära som möjligt. Den nu aktuella regeln i andra betaltjänstdirektivet (artikel 28.1) bör därför genomföras i svensk rätt i en motsvarande bestämmelse i betaltjänstlagen.</P>
<P class="p906 ft50">Tillhandahållande av betaltjänster i ett annat land inom EES genom etablering av filial</P>
<P class="p35 ft64">När ett betalningsinstitut har för avsikt att etablera en filial för att driva verksamhet i en annan medlemsstat ska betalningsinstitutet, enligt andra betaltjänstdirektivet, lämna uppgifter om institutets namn och adress samt, i tillämpliga fall, auktorisationsnummer, i vilka medlemsstater det har för avsikt att driva verksamheten, vilka betaltjänster det kommer att tillhandahålla, samt en beskrivning av filialens organisatoriska struktur och vilka som är ansvariga för ledningen av filialen (artikel 28.1 första stycket <NOBR>a–c</NOBR> och delvis e). Vidare ska en affärsplan för filialen med en budgetprognos för de tre första räkenskapsåren samt en beskrivning av filialens styrsystem och interna kontrollmekanismer (inbegripet förvalt- <NOBR>nings-,</NOBR> riskhanterings- och redovisningsförfaranden) lämnas (artikel 28.1 första stycket e som hänvisar till artikel 5.1 första stycket b och e). Av affärs- planen ska det framgå att filialen har förmåga att utnyttja system, resurser och förfaranden som är lämpliga och väl anpassade för en sund verk- samhet. Beskrivningen av filialens styrsystem ska visa att dessa styr- system, kontrollmekanismer och förfaranden är proportionella, lämpliga, sunda och tillräckliga.</P>
<P class="p907 ft40">Enligt betaltjänstlagen ska ett betalningsinstitut som vill tillhandahålla tjänster i ett annat land inom EES genom en filial underrätta Finans- inspektionen om detta innan verksamheten påbörjas (3 kap. 19 §). Under- rättelsen ska innehålla en plan för den avsedda verksamheten samt uppgifter om i vilket land filialen ska inrättas, filialens adress och ansvariga ledning. Regeringen anser att de uppgifter som anges i betal- tjänstlagen visserligen i stora drag motsvaras av informationskraven i andra betaltjänstdirektivet. Direktivet innehåller emellertid detaljerade regler om detta och enligt regeringens uppfattning bör bestämmelsen i</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">249</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_250">
<P class="p572 ft6">Prop. 2017/18:77 lagen om vilken information som ska tillhandahållas Finansinspektionen i dessa situationer utformas så direktivnära som möjligt. De nu aktuella reglerna i andra betaltjänstdirektivet (artikel 28.1 första stycket <NOBR>a–c</NOBR> och e) bör därför genomföras i svensk rätt i en bestämmelse i betaltjänst- lagen som innehåller krav på att information ska lämnas om kontakt- uppgifter, uppgifter om vilket land verksamheten ska drivas och vilka betaltjänster som ska tillhandahållas samt beskrivning av filialens organisatoriska struktur och vilka som är ansvariga för ledningen av filialen.</P>
<P class="p908 ft5">Utöver de ovan nämnda kraven finns i andra betaltjänstdirektivet en regel om att ett betalningsinstitut i dessa situationer även ska tillhanda en affärsplan samt en beskrivning av filialens styrsystem och interna kontrollmekanismer (artiklarna 5.1 första stycket b och e och 28.1 första stycket e). Reglerna när det gäller denna information är relativt detaljerade och omfattande. Regeringen anser, i likhet med utredningen, att det är lämpligt att de genomförs genom föreskrifter på lägre nivå än lag. Något nytt bemyndigande behöver dock inte införas, eftersom Finansinspektionen redan i dag har möjlighet att meddela föreskrifter om upplysningar som ska lämnas av de företag som inspektionen har tillsyn över (8 kap. 27 § 1 betaltjänstlagen och 5 § 7 betaltjänstförordningen).</P>
<P class="p909 ft50">Tillhandahållande av betaltjänster i ett annat land inom EES från Sverige</P>
<P class="p910 ft5">När ett betalningsinstitut har för avsikt att tillhandahålla betaltjänster i en annan medlemsstat från Sverige ska betalningsinstitutet, enligt andra betaltjänstdirektivet, lämna uppgifter om institutets namn och adress samt, i tillämpliga fall, auktorisationsnummer, i vilka medlemsstater det har för avsikt att driva verksamheten och vilka betaltjänster det kommer att tillhandahålla (artikel 28.1 första stycket <NOBR>a–c).</NOBR></P>
<P class="p499 ft5">Enligt betaltjänstlagen ska ett betalningsinstitut som vill tillhandahålla tjänster i ett annat land inom EES från Sverige underrätta Finansinspek- tionen om detta (3 kap. 21 §). Underrättelsen ska innehålla vissa upp- gifter. Regeringen anser att de uppgifter som anges i bestämmelsen i lagen stora drag motsvarar informationskraven i andra betaltjänstdirek- tivet. Regeringen anser emellertid, till skillnad från utredningen, att bestämmelsen i lagen bör utformas så direktivnära som möjligt. De nu aktuella reglerna i direktivet (artikel 28.1) bör därför genomföras i svensk rätt i en bestämmelse i betaltjänstlagen som innehåller de inform- ationskrav som anges i direktivet.</P>
<P class="p780 ft4">Skyldighet att meddela vilken dag verksamhet inleds</P>
<P class="p911 ft40">Enligt andra betaltjänstdirektivet ska betalningsinstitutet underrätta de behöriga myndigheterna i hemmedlemsstaten (artikel 28.3 tredje stycket första meningen; i direktivet anges ”värdmedlemsstaten” men det bör rätteligen vara ”hemmedlemsstaten”, jfr andra meningen i samma stycke samt den engelska språkversionen) om vilket datum det inleder verk- samhet via ombudet eller filialen. Vidare ska de behöriga myndigheterna i hemmedlemsstaten underrätta de behöriga myndigheterna i värd- medlemsstaten om detta (artikel 28.3 tredje stycket andra meningen).</P>
<P class="p319 ft3">250</P>
</DIV>
<DIV id="page_251">
<DIV id="dimg1">
<INGENBILD zsrc="H50377251x1.jpg/" id="img1">
</DIV>
<P class="p843 ft3">Dessa regler är nya i förhållande till första betaltjänstdirektivet. Några Prop. 2017/18:77 motsvarande bestämmelser finns därför inte i betaltjänstlagen.</P>
<P class="p644 ft5">Utredningen föreslår att uppgift om vilken dag verksamheten ska in- ledas ska ingå bland de uppgifter som ska lämnas i samband med att betalningsinstitutet underrättar Finansinspektionen om att institutet avser att tillhandahålla tjänster i ett annat land inom EES genom ombud eller filial. Regeringen anser dock att denna uppgift, i likhet med hur reglerna i direktivet är formulerade, bör lämnas separat. Eftersom ett betalnings- institut inte ska få påbörja verksamheten i det andra landet förrän registrering har skett (se avsnitt 13.2.6), kan institutet inte lämna uppgift om när verksamheten inleds i samband med sin första underrättelse. Därför bör det anges i betaltjänstlagen att ett betalningsinstitut även ska lämna uppgift till Finansinspektionen om den dag då verksamheten genom ett ombud eller en filial påbörjas i det andra landet.</P>
<P class="p912 ft153"><SPAN class="ft42">13.2.3</SPAN><SPAN class="ft164">Anmälan till Finansinspektionen när verksamhet i ett annat land inom EES ska utkontrakteras</SPAN></P>
<P class="p659 ft40"><SPAN class="ft127">Regeringens bedömning: </SPAN>Kravet i andra betaltjänstdirektivet att ett betalningsinstitut eller en betaltjänstleverantör som tillhandahåller kontoinformationstjänster som avser att utkontraktera operativa betal- tjänstfunktioner till andra enheter i värdmedlemsstaten ska meddela detta till de behöriga myndigheterna i sin hemmedlemsstat är uppfyllt genom gällande svensk rätt.</P>
<TABLE cellpadding=0 cellspacing=0 class="t108">
<TR>
<TD class="tr22 td298"><P class="p661 ft5"><SPAN class="ft78">Utredningens bedömning </SPAN>överensstämmer med regeringens bedöm-</P></TD>
<TD class="tr22 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">ning.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker bedömningen eller har inget att invända</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">mot den.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft80">Skälen för regeringens bedömning: <SPAN class="ft6">I andra betaltjänstdirektivet</SPAN></P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft3">finns, i förhållande till första betaltjänstdirektivet, en ny regel som</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">innebär att ett betalningsinstitut som avser att utkontraktera operativa</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft7">betalningsfunktioner till andra enheter i värdmedlemsstaten ska meddela</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">detta till de behöriga myndigheterna i hemmedlemsstaten (artikel 28.1</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">andra stycket).</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft6">Enligt betaltjänstlagen ska ett betalningsinstitut eller en registrerad</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">betaltjänstleverantör som gett i uppdrag åt någon annan att utföra visst</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft6">arbete eller operativa betaltjänstfunktioner anmäla detta till Finans-</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">inspektionen (3 kap. 28 §). Denna bestämmelse måste anses omfatta</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">situationen att ett betalningsinstitut utkontrakterar operativa betalnings-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">funktioner till enheter i andra medlemsstater.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft6">Vidare följer det av betaltjänstlagen att ett betalningsinstitut eller en</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft7">registrerad betaltjänstleverantör som avser att ändra den verksamhet som</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft6">drivs i andra länder inom EES, oavsett i vilken form denna drivs, ska</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft7">underrätta Finansinspektionen innan ändringen genomförs (3 kap. 25 §).</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">Om utkontrakteringen sker från ett anlitat ombud eller en etablerad filial i</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft7">det andra landet omfattas således åtgärden av denna underrättelseskyldig-</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">het.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">Regeringen anser mot denna bakgrund att det inte krävs någon lagstift-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p661 ft7">ningsåtgärd med anledning av den nya regeln i andra betaltjänstdirektivet</P></TD>
<TD rowspan=2 class="tr50 td78"><P class="p17 ft3">251</P></TD>
</TR>
<TR>
<TD class="tr40 td298"><P class="p3 ft17"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_252">
<P class="p775 ft76">Prop. 2017/18:77 om anmälan till den behöriga myndigheten vid utkontraktering i en värd- medlemsstat.</P>
<TABLE cellpadding=0 cellspacing=0 class="t90">
<TR>
<TD class="tr51 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr51 td153"><P class="p510 ft42">13.2.4</P></TD>
<TD class="tr51 td283"><P class="p3 ft42">Utbyte av information mellan Finansinspektionen</P></TD>
</TR>
<TR>
<TD class="tr20 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td283"><P class="p3 ft110">och behöriga myndigheter i andra länder inom</P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p3 ft110">EES</P></TD>
</TR>
<TR>
<TD class="tr42 td134"><P class="p3 ft114"> </P></TD>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft7"><SPAN class="ft115">Regeringens förslag: </SPAN>Finansinspektionen ska inom en månad från det</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">att en underrättelse från ett betalningsinstitut eller en betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">leverantör som tillhandahåller kontoinformationstjänster om att</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">betaltjänstleverantören avser att tillhandahålla tjänster genom ombud</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">eller från filial i ett annat land inom EES, eller en underrättelse om</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">vilket datum sådan verksamhet påbörjas, togs emot lämna över</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">underrättelsen till den behöriga myndigheten i det land där ombudet</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">ska verka eller filialen inrättas.</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p636 ft5">Efter att ha tagit emot en underrättelse från en behörig myndighet i</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">ett annat land inom EES om att ett utländskt företag avser att tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">hålla betaltjänster i Sverige, ska Finansinspektionen inom en månad</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">lämna relevanta uppgifter till myndigheten i det andra landet om det</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">utländska företagets planerade tillhandahållande av betaltjänster här i</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft7">landet. Om betaltjänster ska tillhandahållas genom ett ombud eller från</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">en filial, ska underrättelsen också innehålla uppgift om huruvida</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">Finansinspektionen har skälig anledning att anta att anlitandet av</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">ombudet respektive inrättandet av filialen kan öka risken för penning-</P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td289"><P class="p41 ft3">tvätt eller finansiering av terrorism.</P></TD>
</TR>
<TR>
<TD class="tr47 td288"><P class="p3 ft130"> </P></TD>
<TD colspan=2 class="tr46 td295"><P class="p3 ft8"> </P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td93"><P class="p90 ft7"><SPAN class="ft115">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">Utredningens förslag avviker från regeringens förslag genom att enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">utredningens förslag ska Finansinspektionens skyldighet att lämna en</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">underrättelse om det utländska företagets planerade verksamhet i Sverige</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">till den behöriga myndigheten i det andra landet inte omfatta situationen</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">att tillhandahållandet av betaltjänster i Sverige sker på annat sätt än</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">genom ett ombud eller en filial. Utredningens förslag innebär dock att</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">Finansinspektionens underrättelseskyldighet ska gälla vid uppdragsavtal.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td153"><P class="p3 ft3">det.</P></TD>
<TD class="tr15 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet finns</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">regler om det utbyte av information mellan behöriga myndigheter i hem-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">respektive värdmedlemsstaten som ska ske när ett betalningsinstitut har</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">meddelat att det avser att tillhandahålla tjänster i en annan medlemsstat</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">(artikel 28.2 och 28.3). De behöriga myndigheterna i hemmedlemsstaten</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">ska inom en månad efter mottagandet av den information som behandlas</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">i avsnitt 13.2.2 skicka denna vidare till de behöriga myndigheterna i</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">värdmedlemsstaten (artikel 28.2 första stycket). Inom en månad efter</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">mottagandet av informationen från de behöriga myndigheterna i hem-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">medlemsstaten ska de behöriga myndigheterna i värdmedlemsstaten, efter en</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">bedömning av denna information, förse de behöriga myndigheterna i hem-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">medlemsstaten med relevant information i samband med det berörda</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">betalningsinstitutets planerade tillhandahållande av betaltjänster inom</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr19 td134"><P class="p512 ft7">252</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft3">ramen för etableringsfriheten eller friheten att tillhandahålla tjänster</P></TD>
</TR>
<TR>
<TD class="tr43 td153"><P class="p3 ft116"> </P></TD>
<TD class="tr43 td283"><P class="p3 ft116"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_253">
<DIV>
<DIV id="id_1">
<P class="p53 ft5">(artikel 28.2 andra stycket första meningen). De behöriga myndigheterna i värdmedlemsstaten ska informera de behöriga myndigheterna i hem- medlemsstaten, särskilt om alla ”rimliga skäl till farhågor” i samband med det avsedda anlitandet av ett ombud eller inrättandet av en filial när det gäller penningtvätt eller finansiering av terrorism i den mening som avses i Europaparlamentets och rådets direktiv (EU) 2015/849 av den 20 maj 2015 om åtgärder för att förhindra att det finansiella systemet används för penningtvätt eller finansiering av terrorism, om ändring av Europaparlamentets och rådets förordning (EU) nr 648/2012 och om upphävande av Europaparlamentets och rådets direktiv 2005/60/EG och kommissionens direktiv 2006/70/EG (artikel 28.2 andra stycket andra meningen i andra betaltjänstdirektivet).</P>
<P class="p730 ft64">Första betaltjänstdirektivet innehåller liknande regler (artiklarna 17.6 och 25.1). Enligt dessa ska myndigheten i värdmedlemsstaten dock informera myndigheten i hemmedlemsstaten endast om det finns ”skälig anledning att misstänka” risk för penningtvätt eller finansiering av terrorism (artikel 17.6). Dessutom har kravet på att informationen om risk för penningtvätt ska överlämnas inom viss tid tillkommit i andra betaltjänstdirektivet. Vidare är underrättelseskyldigheten när det gäller tillhandahållande av tjänster i ett annat land inom EES genom ombud ny.</P>
<P class="p913 ft6">Av betaltjänstlagen följer att Finansinspektionen inom en månad ska lämna över en underrättelse från ett betalningsinstitut som avser att till- handahålla betaltjänster i ett annat land inom EES genom filial eller direkt från Sverige till myndigheten i det berörda landet (3 kap. 20 och 22 §§). För att genomföra den nya regeln i andra betaltjänstdirektivet (artikel 28.2 första stycket) bör samma underrättelseskyldighet åläggas Finansinspektionen när betalningsinstitutet avser att tillhandahålla tjänster genom ombud.</P>
<P class="p686 ft5">Det bör även i betaltjänstlagen anges att Finansinspektionen ska vidarebefordra den information som betaltjänstleverantören lämnar i fråga om vilken dag som verksamheten genom ombud eller från filial i ett annat land inom EES kommer att påbörjas till den behöriga myndig- heten i värdlandet (se närmare om denna informationsskyldighet i avsnitt 13.2.2). I direktivet anges inte inom vilken tidsfrist som den informationen ska vidarebefordras (se artikel 28.3 tredje stycket andra meningen). Detta bör dock kunna ske inom samma tidsfrist som gäller för den initiala underrättelsen om att företaget avser att driva verksamhet i det andra landet, dvs. en månad.</P>
<P class="p686 ft5">Det bör också anges i betaltjänstlagen att Finansinspektionen, när den från en behörig myndighet i ett annat land inom EES har tagit emot en underrättelse om att ett utländskt företag avser att tillhandahålla betal- tjänster i Sverige, inom en månad ska lämna relevanta uppgifter till myndigheten i det landet om det utländska företagets etablering här i landet. Enligt direktivet ska en sådan underrättelse skickas vid allt planerat tillhandahållande av betaltjänster (se artikel 28.2 andra stycket första meningen). Regeringen anser därför, till skillnad från utredningen, att detta inte ska vara begränsat till situationer när så sker genom ombud eller filial. Utkontraktering av vissa funktioner utgör dock inte tillhanda- hållande av betaltjänster, varför bestämmelsen inte blir tillämplig i sam- band med utkontraktering.</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">253</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_254">
<DIV id="dimg1">
<INGENBILD zsrc="H50377254x1.jpg/" id="img1">
</DIV>
<P class="p498 ft64">Prop. 2017/18:77 Meddelandet till den behöriga myndigheten bör innehålla information om eventuella farhågor när det gäller penningtvätt eller finansiering av terrorism när tillhandahållandet av betaltjänster sker genom ombud eller filial (se artikel 28.2 andra stycket andra meningen). I direktivet anges att information ska lämnas om alla ”rimliga skäl till farhågor” när det gäller penningtvätt eller finansiering av terrorism i den mening som avses i direktiv (EU) 2015/849. Detta kan jämföras med första betaltjänstdirektivet, där det anges att information ska lämnas om det finns ”skälig anledning att misstänka” risk för penningtvätt eller finansiering av terrorism (artikel 17.6). I betaltjänstlagen förekommer uttrycket ”skälig anledning att anta” (3 kap. 18 och 19 §§), vilket regeringen anser överensstämmer även med kravet i andra betaltjänstdirektivet.</P>
<P class="p914 ft133"><SPAN class="ft42">13.2.5</SPAN><SPAN class="ft132">Vägran att registrera ett ombud eller en filial i annat land inom land</SPAN></P>
<P class="p915 ft6"><SPAN class="ft80">Regeringens förslag: </SPAN>Finansinspektionen ska vägra att registrera ett svenskt betalningsinstituts ombud eller filial i ett annat land inom EES, eller återkalla en utförd registrering, om det inte är lämpligt att betaltjänstleverantören anlitar ombudet eller inrättar filialen. Finans- inspektionen ska vid denna bedömning beakta den information som inspektionen tagit emot från den behöriga myndigheten i det andra landet.</P>
<P class="p916 ft3">Om Finansinspektionen och den behöriga myndigheten i det andra landet inte har samma uppfattning i frågan om registrering, ska inspektionen underrätta den andra myndigheten om skälen för beslutet i fråga om registrering.</P>
<P class="p543 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att enligt utredningens förslag ska Finansinspektionen vägra att registrera ett ombud eller återkalla en utförd registrering, om inspektionen har skälig anledning att anta att penningtvätt eller finansiering av terrorism, eller försök till sådana förfaranden, förekommer eller har förekommit i anknytning till ombudet, eller om anlitandet av ombudet kan öka risken för penningtvätt eller finansiering av terrorism. Utredningens förslag innebär vidare inte någon skyldighet för Finansinspektionen att under- rätta den behöriga myndigheten i det andra landet om skälen för beslutet i fråga om registrering när inspektionens uppfattning skiljer sig från den andra behöriga myndighetens uppfattning.</P>
<P class="p787 ft76"><SPAN class="ft135">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p486 ft40"><SPAN class="ft127">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska de behöriga myndigheterna utbyta information med varandra på det sätt som beskrivs i avsnitt 13.2.4. I direktivet finns vidare regler om vilka bedömningar som ska göras samt vilka registreringsbeslut som ska fattas och grunderna för dessa. Av dessa regler följer att om de behöriga myndigheterna i hemmedlemsstaten inte instämmer i den bedömning som de behöriga myndigheterna i värdmedlemsstaten har gjort ska de</P>
<P class="p319 ft3">254</P>
</DIV>
<DIV id="page_255">
<DIV>
<DIV id="id_1">
<P class="p729 ft3">informera dessa myndigheter om skälen för sitt beslut (artikel 28.2 tredje stycket).</P>
<P class="p145 ft5">Av direktivet följer vidare att om den bedömning som görs av de behöriga myndigheterna i hemmedlemsstaten är ofördelaktig, särskilt mot bakgrund av informationen från de behöriga myndigheterna i värd- medlemsstaten, ”ska” tillsynsmyndigheten i hemmedlemsstaten vägra att registrera ombudet eller filialen, eller återkalla registreringen om den redan har gjorts (artikel 28.2 fjärde stycket).</P>
<P class="p145 ft5">I första betaltjänstdirektivet anges att de behöriga myndigheterna i värdmedlemsstaten ska informera de behöriga myndigheterna i hem- medlemsstaten om det finns skälig anledning att misstänka risk för penningtvätt eller finansiering av terrorism och att hemmedlemsstatens behöriga myndigheter i den situationen ”får” vägra att registrera ombudet eller filialen (artikel 17.6). Det har alltså skett en förändring på så sätt att den behöriga myndigheten i hemmedlemsstaten enligt andra betaltjänst- direktivet inte längre har handlingsfrihet när denna situation uppstår. Som <SPAN class="ft41">Lagrådet </SPAN>påpekar har regeln även ändrats på så sätt att den informa- tion som ska lämnas – och därmed även den bedömning som ska göras – inte enbart avser risk för penningtvätt eller finansiering av terrorism, eftersom informationen ”särskilt” ska avse detta (artikel 28.2 i andra betaltjänstdirektivet).</P>
<P class="p730 ft64">Av betaltjänstlagen följer, i enlighet med första betaltjänstdirektivet, att Finansinspektionen får vägra registrering eller återkalla en registrering av ett ombud eller en filial till ett svenskt betalningsinstitut om tillsyns- myndigheten i det andra landet har skälig anledning att anta att penning- tvätt eller finansiering av terrorism äger rum eller har ägt rum (3 kap. 18 och 19 §§). För att genomföra de ändringar som skett genom andra betal- tjänstdirektivet bör det i betaltjänstlagen anges att det är Finansinspek- tionen (och inte den behöriga myndigheten i det andra landet) som ska göra bedömningen av vilka risker som är förenliga med anlitandet av ombudet eller inrättandet av filialen, dock med beaktande av den infor- mation som den behöriga myndigheten i det andra landet har lämnat. Mot bakgrund av att bedömningen inte enbart ska omfatta sådant som har koppling till penningtvätt eller finansiering av terrorism utan också annat, anser <SPAN class="ft63">Lagrådet </SPAN>att bestämmelsen bör utformas i närmare anslut- ning till reglerna i direktivet. För att bättre återspegla direktivet i denna del anser regeringen att det bör anges att registrering ska vägras eller återkallas om det inte är lämpligt att betaltjänstleverantören anlitar ombudet eller inrättar filialen. På så sätt ges utrymme för Finansinspek- tionen att ta hänsyn till eventuella rimliga skäl till farhågor när det gäller penningtvätt eller finansiering av terrorism, men även andra risker så som att verksamheten inte kan drivas med tillräckliga styr- och kontroll- former (jfr 2 kap. 6 § första stycket 2 betaltjänstlagen).</P>
<P class="p917 ft64">Utredningen föreslår att Finansinspektionen ska vara skyldig att underrätta den behöriga myndigheten i det andra landet om Finansinspektionen vägrar att registrera ombudet eller filialen och Finansinspektionen och den andra myndigheten inte har samma uppfattning i frågan om det finns risk för penningtvätt eller finansiering av terrorism. Direktivet innebär dock att den behöriga myndigheten i värdmedlemsstaten i en sådan situation ska underrättas om skälen för beslutet. Vidare är regeln i direktivet inte begränsad till situationen att registrering vägras (artikel 28.3 tredje stycket).</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">255</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_256">
<P class="p584 ft64">Prop. 2017/18:77 Om Finansinspektionen trots den andra behöriga myndighetens farhågor väljer att registrera ombudet eller filialen, bör det vara minst lika relevant att informera den andra myndigheten om skälen för detta. Regeringen anser därför att det i betaltjänstlagen bör anges att Finansinspektionen ska under- rätta den andra behöriga myndigheten om skälen för sitt beslut i fråga om registrering i alla situationer då inspektionen och den andra myndigheten inte har samma uppfattning när det gäller om registrering bör ske eller inte.</P>
<TABLE cellpadding=0 cellspacing=0 class="t95">
<TR>
<TD class="tr50 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr50 td153"><P class="p510 ft42">13.2.6</P></TD>
<TD class="tr50 td283"><P class="p3 ft110">Tidpunkt för registreringsbeslut och rätt att</P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p3 ft110">inleda verksamhet</P></TD>
</TR>
<TR>
<TD class="tr42 td134"><P class="p3 ft114"> </P></TD>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Finansinspektionen ska, inom tre månader från</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">det att en underrättelse togs emot från ett betalningsinstitut eller en</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">betaltjänstleverantör som tillhandahåller kontoinformationstjänster om</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">att betaltjänstleverantören avser att tillhandahålla betaltjänster genom</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">ett ombud eller en filial i ett annat land inom EES underrätta den</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">behöriga myndigheten i det andra landet och betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">om sitt beslut i fråga om registrering.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p297 ft5">Ett utländskt företag får tillhandahålla betaltjänster genom ombud</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">eller filial i Sverige efter det att Finansinspektionen har tagit emot ett</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">beslut från den behöriga myndigheten i det land där företaget hör</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">hemma om att ombudet eller filialen har registrerats av den myndig-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td153"><P class="p41 ft3">heten.</P></TD>
<TD class="tr15 td328"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p297 ft6">Bestämmelsen i betaltjänstlagen om att ett utländskt företag får</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">tillhandahålla betaltjänster i Sverige från sitt hemland så snart Finans-</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">inspektionen har tagit emot en underrättelse från behörig myndighet i</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">företagets hemland som anger vilka betaltjänster företaget avser att</P></TD>
</TR>
<TR>
<TD class="tr22 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td295"><P class="p41 ft3">tillhandahålla i Sverige ska utmönstras.</P></TD>
</TR>
<TR>
<TD class="tr2 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td93"><P class="p297 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">förslag. Utredningens förslag avviker från regeringens förslag genom att</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">enligt utredningens förslag ska det införas en bestämmelse om att</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">ombudet eller filialen inte får tillhandahålla betaltjänster i det andra</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">landet innan registrering hos Finansinspektionen har ägt rum.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p297 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p297 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">de behöriga myndigheterna i hemmedlemsstaten inom tre månader efter</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">mottagandet av en ansökan från ett betalningsinstitut om att det avser att</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">tillhandahålla betaltjänster i en annan medlemsstat meddela sitt beslut till</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">de behöriga myndigheterna i värdmedlemsstaten och till betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">leverantören (artikel 28.3 första stycket). Efter det att ombudet eller</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">filialen har införts i det nationella registret över betalningsinstitut kan</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">verksamheten i den berörda värdmedlemsstaten påbörjas (artikel 28.3</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">andra stycket).</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p276 ft5">I första betaltjänstdirektivet regleras inte inom vilken tidsram som den</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">behöriga myndigheten i hemmedlemsstaten ska meddela sitt beslut i</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">registreringsfrågan, varför någon motsvarande bestämmelse inte finns i</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">betaltjänstlagen. Regeln i andra betaltjänstdirektivet om när den behöriga</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr51 td134"><P class="p512 ft7">256</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft5">myndigheten ska meddela beslut i fråga om registrering av ett ombud</P></TD>
</TR>
<TR>
<TD class="tr42 td153"><P class="p3 ft114"> </P></TD>
<TD class="tr42 td283"><P class="p3 ft114"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_257">
<DIV>
<DIV id="id_1">
<P class="p729 ft6">eller ett företag som kommer att driva verksamhet genom filial i ett annat land inom EES bör därför genomföras i svensk rätt i en motsvarande bestämmelse i betaltjänstlagen. I bestämmelsen bör det anges att Finans- inspektionen ska underrätta de behöriga myndigheterna i värdmedlems- staten och betaltjänstleverantören om sitt beslut i fråga om registrering inom tre månader.</P>
<P class="p730 ft64">Av första betaltjänstdirektivet framgår inte heller uttryckligen vid vilken tidpunkt betaltjänstverksamhet får tillhandahållas i en värd- medlemsstat. Vid genomförandet i svensk rätt av det direktivet togs det emellertid in en bestämmelse i betaltjänstlagen om när ett utländskt företag får börja driva sin verksamhet i Sverige genom ombud och filial (3 kap. 26 § andra stycket – se närmare om detta i prop. 2009/10:220 s. 153). Enligt den bestämmelsen får verksamhet inledas efter det att Finansinspektionen tagit emot en underrättelse från den behöriga myndigheten i företagets hemland med uppgifter om bl.a. kontakt- uppgifter och plan för den avsedda verksamheten. Som redogörs för ovan gäller nu alltså, enligt andra betaltjänstdirektivet, att ombudet eller filialen får börja driva sin verksamhet först efter det att registrering skett i hemmedlemsstaten (artikel 28.3 andra stycket). Den nämnda bestäm- melsen i betaltjänstlagen bör därför ersättas med en bestämmelse som bättre motsvarar regleringen i andra betaltjänstdirektivet, dvs. det bör endast krävas att Finansinspektionen har tagit emot ett beslut från den behöriga myndigheten i det andra landet om att ombudet eller filialen har registrerats. När det gäller frågan om när svenska betaltjänstleverantörer har rätt att inleda sin verksamhet i ett annat land är detta emellertid en sak för det andra landet och inte något som det finns anledning att reglera i svensk lag (jfr prop. 2002/03:150 s. 185). Regeringen anser därför, till skillnad från utredningen, att det inte bör införas en bestämmelse i lag om att ombudet eller filialen inte får tillhandahålla betaltjänster i det andra landet innan registrering hos Finansinspektionen har ägt rum.</P>
<P class="p918 ft6">Vid genomförandet av första betaltjänstdirektivet infördes vidare en bestämmelse i betaltjänstlagen om att ett utländskt företag som tillhanda- håller sina betaltjänster i Sverige med stöd av ett tillstånd i ett annat land inom EES får tillhandahålla sina tjänster från sitt hemland så snart Finansinspektionen har tagit emot en underrättelse från den behöriga myndigheten i företagets hemland som anger vilka betaltjänster som företaget avser att tillhandahålla i Sverige (3 kap. 27 §). Bestämmelsen infördes efter förebild av regler i Europaparlamentets och rådets direktiv 2004/39/EG av den 21 april 2004 om marknader för finansiella instrument och om ändring av rådets direktiv 85/611/EEG och 93/6/EEG och Europaparlamentets och rådets direktiv 2000/12/EG samt upp- hävande av rådets direktiv 93/22/EEG (se prop. 2009/10:220 s. 153). Bestämmelsen har inte någon motsvarighet i första eller andra betaltjänstdirektivet. Den regel som finns i andra betaltjänstdirektivet som gäller tidpunkten för när verksamhet i det andra landet får inledas hänför sig endast till situationen att verksamhet drivs i andra länder genom ombud eller filial. Eftersom det därigenom nu har klargjorts i vilka situationer ett betalningsinstitut inte har rätt att inleda verksamhet omedelbart bör den nu aktuella bestämmelsen i betaltjänstlagen utmönstras.</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">257</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_258">
<P class="p584 ft5">Prop. 2017/18:77 Utformningen av den aktuella regeln i andra betaltjänstdirektivet (artikel 28.3 första stycket) kan uppfattas som att det krävs ett beslut om att registrera ett företag som avser att tillhandahålla betaltjänster från sin hemmedlemsstat (dvs. utan anlitande av ombud eller inrättande av filial) eller genom utkontraktering – eftersom det anges att beslut ska fattas senast tre månader efter mottagandet av information (enligt artikel 28.1) som även sådana företag ska lämna. Regeringen gör emellertid bedöm- ningen att detta inte varit syftet med regeln i direktivet. Det är en rimlig tolkning dels mot bakgrund av att den regel i direktivet i vilken det anges vad som ska föras in i det nationella registret över betalningsinstitut (artikel 14) inte framgår att detta ska registreras, dels eftersom det inte finns någon regel i direktivet som innebär att det krävs registrering för att en sådan aktör ska få börja tillhandahålla betaltjänster i en annan med- lemsstat (se artikel 28.3 andra stycket som bara gäller tillhandahållande av tjänster genom ombud eller filial).</P>
<TABLE cellpadding=0 cellspacing=0 class="t109">
<TR>
<TD class="tr51 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr51 td153"><P class="p510 ft42">13.2.7</P></TD>
<TD class="tr51 td283"><P class="p3 ft42">Skyldighet att lämna underrättelse om ändringar i</P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p3 ft110">verksamheten</P></TD>
</TR>
<TR>
<TD class="tr42 td134"><P class="p3 ft114"> </P></TD>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td289"><P class="p228 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>När Finansinspektionen har tagit emot en</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p177 ft7">anmälan om att ett betalningsinstitut eller en betaltjänstleverantör som</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p177 ft6">tillhandahåller kontoinformationstjänster avser att ändra en</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p177 ft7">verksamhet i ett annat land, ska inspektionen inom en månad från det</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p177 ft6">att anmälan togs emot underrätta den behöriga myndigheten i det</P></TD>
</TR>
<TR>
<TD class="tr22 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td295"><P class="p41 ft3">andra landet om ändringen.</P></TD>
</TR>
<TR>
<TD class="tr2 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td93"><P class="p90 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p90 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td283"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">ett betalningsinstitut utan onödigt dröjsmål underrätta de behöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">myndigheterna i hemmedlemsstaten om alla relevanta ändringar av den</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">information som meddelats i anledning av anmälan om att i en annan</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">medlemsstat tillhandahålla betaltjänster, inbegripet ytterligare ombud,</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">filialer eller enheter till vilka verksamheter utkontrakterats i de värd-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">medlemsstater där det driver sin verksamhet (artikel 28.4). Vid en sådan</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">underrättelse ska samma förfarande tillämpas som när ett betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">institut för första gången avser att tillhandahålla betaltjänster i en annan</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">medlemsstat (artikel 28.4, som hänvisar till förfarandet i artikel 28.2 och</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td153"><P class="p511 ft5">28.3).</P></TD>
<TD class="tr15 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft6">Enligt betaltjänstlagen ska ett betalningsinstitut underrätta Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">inspektionen ”innan” en ändring av verksamheten i ett annat land inom</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">EES genomförs (3 kap. 25 §). Som behandlas i avsnitt 13.1.4 får ut-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">trycken ”utan onödigt dröjsmål” och ”innan” anses vara likvärdiga. Den</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">nu aktuella regleringen i andra betaltjänstdirektivet kräver därför inte</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">någon ändring i betaltjänstlagen.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft6">Som anges ovan innebär reglerna i andra betaltjänstdirektivet att</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">samma förfarande som när ett betalningsinstitut för första gången avser</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">att tillhandahålla betaltjänster i en annan medlemsstat ska tillämpas när</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr51 td134"><P class="p512 ft7">258</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft3">en anmälan om ändring sker. Enligt det förfarandet ska den behöriga</P></TD>
</TR>
<TR>
<TD class="tr42 td153"><P class="p3 ft114"> </P></TD>
<TD class="tr42 td283"><P class="p3 ft114"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_259">
<P class="p557 ft3">myndigheten i hemmedlemsstaten underrätta den behöriga myndigheten i Prop. 2017/18:77 värdmedlemsstaten inom en månad (artikel 28.2). Det bör därför införas</P>
<P class="p576 ft3">en bestämmelse i betaltjänstlagen om att en underrättelse om ändring i en verksamhet som drivs i ett annat land inom EES ska lämnas vidare av Finansinspektionen till den behöriga myndigheten i det andra landet inom samma tidsfrist, dvs. en månad.</P>
<P class="p919 ft37"><SPAN class="ft118">13.3</SPAN><SPAN class="ft160">Tillsyn när verksamhet drivs i ett annat land inom EES</SPAN></P>
<P class="p650 ft110"><SPAN class="ft42">13.3.1</SPAN><SPAN class="ft134">Inledning</SPAN></P>
<P class="p920 ft5">Enligt andra betaltjänstdirektivet är det primärt de behöriga myndig- heterna i ett företags hemmedlemsstat som utövar tillsyn över att nationell rätt som införlivar reglerna i avdelningarna III och IV i direk- tivet följs av företaget när det driver verksamhet i ett annat land. Detta gäller emellertid inte företag som tillhandahåller betaltjänster i andra medlemsstater via ombud eller filial, utan dessa står under tillsyn även av de behöriga myndigheterna i värdmedlemsstaten (jfr artikel 100.4).</P>
<P class="p921 ft5">Enligt direktivet ska de behöriga myndigheterna i hemmedlemsstaten samarbeta med värdmedlemsstatens behöriga myndigheter när det gäller tillsynen över betalningsinstitut som driver verksamhet genom ombud eller filial i en annan medlemsstat (artikel 29.1 första stycket). De behöriga myndigheterna i hemmedlemsstaten ska bl.a. underrätta de behöriga myndigheterna i värdmedlemsstaten när de avser att genomföra en kontroll på plats inom den senare statens territorium (artikel 29.1 andra stycket). Uppgiften att genomföra kontroller av de berörda instituten på plats får dock delegeras till de behöriga myndigheterna i värdmedlems- staten (artikel 29.1 tredje stycket).</P>
<P class="p561 ft3">Vidare är medlemsstaternas behöriga myndigheter skyldiga att utväxla väsentlig och relevant information särskilt när företag som driver verksamhet i ett annat land än hemmedlemsstaten misstänkts ha överträtt bestämmelser som gäller för verksamheten (artikel 29.3).</P>
<P class="p408 ft3">Denna reglering är oförändrad i förhållande till vad som gäller enligt första betaltjänstdirektivet. De reglerna i första betaltjänstdirektivet har i svensk rätt genomförts i bestämmelser i betaltjänstlagen (8 kap. 4 §). I andra betaltjänstdirektivet har det tillkommit vissa regler som syftar till att underlätta tillsynen över företag som driver verksamhet i flera medlemsstater.</P>
<TABLE cellpadding=0 cellspacing=0 class="t110">
<TR height=0>
<TD width=1px></TD>
<TD width=48px></TD>
<TD width=344px></TD>
<TD width=1px></TD>
<TD width=111px></TD>
</TR>
<TR>
<TD colspan=2 class="tr51 td58"><P class="p241 ft42">13.3.2</P></TD>
<TD colspan=2 class="tr51 td260"><P class="p90 ft110">Skyldighet för utländska företag att lämna</P></TD>
<TD class="tr51 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr19 td22"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td73"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr19 td260"><P class="p90 ft110">uppgifter till Finansinspektionen</P></TD>
<TD class="tr19 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr14 td304"><P class="p3 ft18"> </P></TD>
<TD colspan=2 class="tr14 td305"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td304"><P class="p3 ft18"> </P></TD>
<TD class="tr42 td146"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD class="tr28 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td307"><P class="p74 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Utländska betalningsinstitut som tillhandahåller</P></TD>
<TD class="tr28 td306"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td307"><P class="p74 ft5">betaltjänster i Sverige från en filial eller genom ett ombud ska lämna</P></TD>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td307"><P class="p74 ft5">Finansinspektionen de upplysningar om sin verksamhet och därmed</P></TD>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td307"><P class="p74 ft7">sammanhängande omständigheter som inspektionen begär. Detsamma</P></TD>
<TD class="tr15 td306"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td307"><P class="p74 ft6">ska gälla utländska företag som tillhandahåller kontoinformations-</P></TD>
<TD class="tr16 td306"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td306"><P class="p3 ft2"> </P></TD>
<TD colspan=2 rowspan=2 class="tr2 td307"><P class="p74 ft3">tjänster från filial eller genom ett ombud i Sverige.</P></TD>
<TD class="tr15 td306"><P class="p3 ft2"> </P></TD>
<TD rowspan=2 class="tr2 td146"><P class="p17 ft3">259</P></TD>
</TR>
<TR>
<TD class="tr43 td22"><P class="p3 ft116"> </P></TD>
<TD class="tr43 td22"><P class="p3 ft116"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_260">
<DIV id="dimg1">
<INGENBILD zsrc="H50377260x1.jpg/" id="img1">
</DIV>
<P class="p922 ft3">Prop. 2017/18:77 Regeringen eller den myndighet som regeringen bestämmer ska få meddela föreskrifter om vilka upplysningar som ska lämnas och när upplysningarna ska lämnas.</P>
<P class="p487 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att utred- ningen inte föreslår att även utländska företag som tillhandahåller konto- informationstjänster från filial eller genom ett ombud i Sverige ska lämna Finansinspektionen de upplysningar om sin verksamhet och därmed sammanhängande omständigheter som inspektionen begär. Enligt utred- ningens förslag ska även Riksbanken ha möjlighet att begära in uppgifter från utländska betalningsinstitut som tillhandahåller betaltjänster i Sverige från en filial eller genom ett ombud.</P>
<P class="p848 ft6"><SPAN class="ft80">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft4">Näringslivets Regelnämnd </SPAN>framhåller att det innebär ytterligare administrativa kostnader för de utländska betal- ningsinstituten om även Riksbanken, utöver Finansinspektionen, ska få möjlighet att begära information från dem. Nämnden är kritisk till att detta föreslås utan att det närmare utretts vilken information som Riksbanken har behov av.</P>
<P class="p501 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet har, i förhållande till första betaltjänstdirektivet, införts en regel som innebär att de behöriga myndigheterna i värdmedlemsstaten får kräva att betalningsinstitut som har ombud eller filialer inom deras territorier ska lämna periodiska rapporter om den verksamhet som drivs inom deras territorier (artikel 29.2 första meningen). Dessa rapporter ska begäras in för informations- eller statistikändamål och, när ombuden och filialerna genomför betaltjänstverksamheten inom ramen för etableringsrätten, för att övervaka efterlevnaden av bestämmelser i nationell rätt som införlivar avdelningarna III och IV i direktivet (artikel 29.2 andra meningen).</P>
<P class="p501 ft5">I Sverige är det Finansinspektionen som har tillsyn över att bestäm- melserna i betaltjänstlagen följs och som således är behörig myndighet i den mening som avses i andra betaltjänstdirektivet. En utökad möjlighet för Finansinspektionen att övervaka de betalningsinstitut som driver verksamhet i Sverige genom ombud eller filial kan säkerställa ett starkare skydd för konsumenter och övriga betaltjänstanvändare. Vidare ger rapporteringskrav och en skyldighet för utländska betalningsinstitut att på begäran tillhandahålla information en möjlighet för Finansinspek- tionen att inrikta tillsynen där den gör mest nytta. Finansinspektionen kommer också genom rapporter och annan information att lättare kunna följa utvecklingen på betaltjänstmarknaden för olika aktörer, dvs. de svenska betalningsinstituten och andra betaltjänstleverantörer och de utländska betalningsinstitut som driver verksamhet här i landet genom ombud eller filial. Detta kan också förenkla samarbetet mellan inspek- tionen och den behöriga myndigheten i betalningsinstitutets hemland. I dag har svenska företag en skyldighet enligt betaltjänstlagen att lämna Finansinspektionen de upplysningar som inspektionen begär (8 kap. 2 §). Den nu aktuella regeln i andra betaltjänstdirektivet bör genomföras genom att även utländska företag åläggs en sådan skyldighet. Denna skyldighet bör gälla betalningsinstitut och leverantörer av kontoinforma-</P>
<P class="p268 ft3">260</P>
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<P class="p476 ft3">tionstjänster som tillhandahåller betaltjänster från filial eller genom ett Prop. 2017/18:77 ombud i Sverige (se avsnitt 7.3.3).</P>
<P class="p478 ft6">Finansinspektionen bör vidare få möjlighet att närmare besluta om vilka upplysningar som ska lämnas och vid vilka tidpunkter. Möjligheten för regeringen eller den myndighet som regeringen bestämmer att med- dela föreskrifter om vilka uppgifter vissa företag ska lämna bör därför utökas.</P>
<P class="p644 ft5">Utredningen föreslår att även Riksbanken ska utses till behörig myn- dighet för att kunna inhämta information från utländska betalnings- instituts ombud och filialer i Sverige. Som skäl för förslaget hänvisar utredningen till det behov som Riksbanken har av god tillgång till statistik. <SPAN class="ft41">Näringslivets Regelnämnd </SPAN>anser att det skulle innebära en ytter- ligare administrativ kostnad för de utländska betalningsinstituten att be- höva tillhandahålla information till flera myndigheter i Sverige.</P>
<P class="p657 ft64">Riksbanken har, som utredningen framhåller, ansvar för ett antal statistikområden som rör betalmarknaden och har därför ett behov av god tillgång till statistik och information av hög kvalitet. Riksbanken har i dag, enligt riksbankslagen (6 kap. 9 §), möjlighet att begära in uppgifter som banken anser nödvändiga för att följa utvecklingen på valuta- och kredit- marknaderna och övervaka betalningssystemets stabilitet från finans- institut och andra företag som står under Finansinspektionens tillsyn. Utredningens förslag innebär alltså att det i betaltjänstlagen ska tas in nya bestämmelser om liknande befogenheter för Riksbanken i förhållande till de nu aktuella aktörerna. Regeringen anser emellertid att frågan om Riks- bankens befogenheter i detta avseende, och i så fall hur de bör regleras, inte är en fråga som bör behandlas i förevarande lagstiftningsärende.</P>
<P class="p923 ft112">13.3.3 Central kontaktpunkt när verksamhet drivs genom ombud</P>
<P class="p924 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Utländska företag som tillhandahåller betal- tjänster i Sverige genom ett ombud ska utse en central kontaktpunkt här i landet om Finansinspektionen begär det.</P>
<TABLE cellpadding=0 cellspacing=0 class="t102">
<TR>
<TD class="tr22 td298"><P class="p661 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag.</P></TD>
<TD class="tr22 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">Utredningens förslag avviker från regeringens förslag genom att utred-</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">ningen föreslår att den centrala kontaktpunkten ska lämna de upplys-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft7">ningar om företagets verksamhet som Finansinspektionen begär samt att</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">inspektionen ska ges rätt att göra platsbesök hos den.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt en regel i andra betaltjänst-</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft3">direktivet, som är ny i förhållande till första betaltjänstdirektivet, får</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">medlemsstaterna kräva att betalningsinstitut som tillhandahåller betal-</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">tjänster på deras territorium genom ombud ska utse en central kontakt-</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">punkt på värdmedlemsstatens territorium (artikel 29.4). Syftet med den</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft5">nya regeln är att detta ska kunna underlätta insamlandet av handlingar</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p661 ft7">och information som behövs för att den behöriga myndigheten ska kunna</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p661 ft5">säkerställa att företaget följer de bestämmelser som gäller för verksam-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p3 ft3">heten.</P></TD>
<TD rowspan=2 class="tr50 td78"><P class="p17 ft3">261</P></TD>
</TR>
<TR>
<TD class="tr40 td298"><P class="p3 ft17"> </P></TD>
</TR>
</TABLE>
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<P class="p498 ft6">Prop. 2017/18:77 Att ett utländskt företag som driver verksamhet genom ombud i Sverige utser en central kontaktpunkt torde förbättra Finansinspektionens möjlighet att övervaka verksamheten. Detta skulle gagna hela betalmark- naden. Ett krav på en central kontaktpunkt skulle visserligen innebära kostnader för utländska aktörer, men regeringen anser att behovet av en effektiv tillsyn uppväger denna negativa effekt. Finansinspektionen bör dock ha möjlighet att i det enskilda fallet bedöma om ett betalnings- institut behöver inrätta en kontaktpunkt, t.ex. skulle ett institut som driver en mycket begränsad verksamhet i Sverige kunna drabbas oskäligt hårt av att behöva inrätta en sådan. Till ledning för Finansinspektionens bedömning av behovet av central kontaktpunkt kommer kommissionen att anta tekniska standarder för att närmare specificera under vilka omständigheter det är lämpligt att inrätta en sådan (artikel 29.5 i andra betaltjänstdirektivet). Ett förslag till sådana tekniska standarder har tagits fram av Eba (Final Report Draft regulatory technical standards on central contact points under Directive [EU] 2015/2366 [PSD2] [EBA/RTS/2017/09]).</P>
<P class="p925 ft5">Finansinspektionen har enligt betaltjänstlagen i dag rätt att begära in upplysningar från företag på betalmarknaden (8 kap. 2 §) samt göra platsbesök hos bl.a. ombud eller filialer till betalningsinstitut och hos utländska företag som driver verksamhet i Sverige (8 kap. 3 §). Utred- ningen föreslår att Finansinspektionen ska ges en motsvarande rätt att begära in upplysningar från, och göra platsbesök hos, en central kontakt- punkt i Sverige. När det gäller en begäran om upplysningar följer det redan av förslaget i avsnitt 13.3.2 att Finansinspektionen ska kunna be- gära upplysningar från ett utländskt företag som tillhandahåller betal- tjänster genom ombud i Sverige. Syftet med den centrala kontaktpunkten är just att vara en kontaktpunkt när t.ex. sådana upplysningar begärs. Upplysningarna avser dock det utländska företaget och inte den centrala kontaktpunkten. Regeringen anser inte att det behöver anges i lag att Finansinspektionen kan begära in upplysningar om det utländska före- taget via den centrala kontaktpunkten. När det gäller platsbesök konsta- terar regeringen att en central kontaktpunkt är en administrativ funktion. Verksamheten som sådan drivs genom ett ombud eller en filial. Det har inte framkommit några skäl för att Finansinspektionen skulle ha behov av att kunna göra platsbesök hos en central kontaktpunkt för att kunna genomföra sitt uppdrag när det gäller utländska betalningsinstitut som driver verksamhet genom ombud i Sverige.</P>
<P class="p926 ft112"><SPAN class="ft42">13.3.4</SPAN><SPAN class="ft163">Information till behöriga myndigheter i hemlandet när ett utländskt företag brutit mot betaltjänstlagen</SPAN></P>
<P class="p642 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Om ett utländskt företag som i Sverige till- handahåller betaltjänster från en filial eller genom ett ombud inte driver denna verksamhet i enlighet med bestämmelserna i betaltjänst- lagen, ska Finansinspektionen så snart det kan ske underrätta den behöriga myndigheten i företagets hemland.</P>
<P class="p260 ft3">262</P>
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<TABLE cellpadding=0 cellspacing=0 class="t111">
<TR>
<TD class="tr19 td329"><P class="p677 ft7"><SPAN class="ft115">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
<TD class="tr19 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft6"><SPAN class="ft80">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet har, i</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft3">förhållande till första betaltjänstdirektivet, införts en regel om att den</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft5">behöriga myndigheten i värdmedlemsstaten, om den konstaterar att ett</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft6">betalningsinstitut med ombud eller filial på dess territorium inte följer</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft7">reglerna i avdelning II i direktivet eller nationell lagstiftning som genomför</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft5">avdelning III eller IV i direktivet, utan dröjsmål ska informera de behöriga</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">myndigheterna i hemmedlemsstaten (artikel 30.1 första stycket).</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft3">Av betaltjänstlagen följer att Finansinspektionen ska underrätta till-</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft5">synsmyndigheter i utlandet om ett utländskt företag genom ombud eller</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft6">filial i Sverige inte driver sin verksamhet i enlighet med 4 och 5 kap.</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft7">samma lag (8 kap. 21 §). Underrättelse ska dock göras först om företaget</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">inte följer en uppmaning om rättelse.</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft5">För att genomföra andra betaltjänstdirektivet i denna del bör det anges i</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft7">betaltjänstlagen att Finansinspektionen så snart det kan ske ska informera</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft5">den behöriga myndigheten i företagets hemland om inspektionen finner</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft6">att institutets ombud eller filial i Sverige inte följer de bestämmelser i</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft3">den lagen som genomför reglerna i avdelning II, III och IV i direktivet.</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft6">Informationen ska alltså lämnas så snart det kan ske sedan Finans-</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft7">inspektionen har konstaterat att de aktuella bestämmelserna har överträtts.</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft5">Den nuvarande bestämmelsen i betaltjänstlagen om att Finansinspek-</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft7">tionen ska underrätta den behöriga myndigheten i företagets hemland bör</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft7">dock finnas kvar, dvs. underrättelse bör lämnas både när en överträdelse</P></TD>
<TD class="tr16 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft3">av de aktuella bestämmelserna har skett och när en uppmaning till</P></TD>
<TD class="tr15 td115"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td329"><P class="p3 ft3">rättelse inte har följts.</P></TD>
<TD class="tr20 td115"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p927 ft153">13.3.5 Åtgärder om ett svenskt betalningsinstitut överträtt föreskrifter som gäller för institutets verksamhet i ett annat land inom EES</P>
<P class="p928 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Om en behörig myndighet i ett annat land inom EES har underrättat Finansinspektionen om att en svensk betaltjänst- leverantör som tillhandahåller kontoinformationstjänster överträtt föreskrifter i det landet, ska Finansinspektionen ingripa om det finns förutsättningar för det. Finansinspektionen ska så snart det kan ske underrätta den behöriga myndigheten i det andra landet samt de behöriga myndigheterna i övriga berörda länder inom EES om vilka åtgärder som vidtas. En sådan underrättelse ska även lämnas om Finansinspektionen vidtar åtgärder mot ett svenskt betalningsinstitut efter en underrättelse från en behörig myndighet i ett annat land inom EES om att institutet överträtt föreskrifter i det landet.</P>
<P class="p929 ft64"><SPAN class="ft129">Regeringens bedömning: </SPAN>Det behövs inte någon uttrycklig bestäm- melse om att Finansinspektionen ska ingripa mot ett betalningsinstitut utan onödigt dröjsmål om inspektionen har fått ett meddelande från en behörig myndighet i ett annat land inom EES om att institutet har överträtt föreskrifter som gäller för institutets verksamhet i det landet.</P>
<P class="p930 ft3">263</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">264</P>
</DIV>
<DIV id="id_2">
<P class="p709 ft3">Regeln i andra betaltjänstdirektivet om att varje sanktion eller ingripande som vidtas av den behöriga myndigheten ska vara väl motiverad och meddelas det berörda betalningsinstitutet kräver inte någon lagstiftningsåtgärd.</P>
<P class="p931 ft6"><SPAN class="ft80">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag och bedömning. Utredningens förslag avviker från regeringens bedöm- ning genom att enligt utredningens förslag ska det i betaltjänstlagen införas en bestämmelse om att Finansinspektionen, efter att ha tagit emot ett meddelande från en behörig myndighet i ett annat land om att ett svenskt betalningsinstitut har överträtt föreskrifter som gäller för institutets verksamhet i det landet, utan onödigt dröjsmål ska ingripa mot institutet. Utredningen föreslår inte några bestämmelser om svenska leverantörer av kontoinformationstjänsters verksamhet i ett annat land inom EES.</P>
<P class="p932 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p145 ft78">Skälen för regeringens förslag och bedömning: <SPAN class="ft5">Enligt andra betaltjänstdirektivet ska den behöriga myndigheten i hemmedlemsstaten, efter att ha utvärderat information om att ett betalningsinstitut med till- stånd i den medlemsstaten inte följer bestämmelser som införlivar reglerna i avdelning II, III och IV i direktivet i en annan medlemsstat, utan onödigt dröjsmål vidta alla lämpliga åtgärder för att garantera att det berörda betalningsinstitutet upphör att bryta mot bestämmelserna (artikel 30.1 andra stycket första meningen). Den behöriga myndigheten i hemmedlemsstaten ska utan dröjsmål informera den behöriga myndig- heten i värdmedlemsstaten och de behöriga myndigheterna i alla andra berörda medlemsstater om dessa åtgärder (artikel 30.1 andra stycket andra meningen).</SPAN></P>
<P class="p631 ft5">Av betaltjänstlagen följer redan i dag att Finansinspektionen ska in- gripa mot ett betalningsinstitut om en behörig myndighet i ett annat land har underrättat inspektionen om att institutet överträtt föreskrifter i det landet (8 kap. 13 §). Att Finansinspektionen, efter att ha konstaterat en överträdelse, ska ingripa utan ”onödigt dröjsmål” är enligt regeringens uppfattning självklart och behöver inte anges uttryckligen i lagen. Det måste anses ligga i Finansinspektionens uppdrag som tillsynsmyndighet att myndigheten ska ingripa så snart som möjligt. Däremot bör det anges i betaltjänstlagen att Finansinspektionen så snart det kan ske ska underrätta den behöriga myndigheten i det andra landet samt de behöriga myndigheterna i övriga berörda länder inom EES om vilka åtgärder som inspektionen vidtar med anledning av att ett betalningsinstitut överträtt föreskrifter i ett annat land.</P>
<P class="p730 ft70">I avsnitt 7.3.3 föreslås att även registrerade betaltjänstleverantörer ska ha rätt att tillhandahålla kontoinformationstjänster i andra länder efter att ha underrättat Finansinspektionen om detta. I betaltjänstlagen bör det därför införas en bestämmelse om ingripande när en behörig myndighet i ett annat land underrättat inspektionen om att en sådan betaltjänstleveran- tör överträtt föreskrifter i det landet. Bestämmelsen bör utformas på motsvarande sätt som den som gäller för betalningsinstitut (8 kap. 13 §).</P>
<P class="p730 ft93">I andra betaltjänstdirektivet har det införts en ny regel enligt vilken varje sanktion eller ingripande ska vara väl motiverad och meddelas det</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_265">
<P class="p476 ft3">berörda betalningsinstitutet (artikel 31.1). Ett krav på att sådana beslut, Prop. 2017/18:77 som är slutliga, ska motiveras följer redan av nuvarande reglering i</P>
<P class="p477 ft40">förvaltningslagen (20 och 21 §§). Som framgår i avsnitt 12.2 skärps motiveringskravet i den nya förvaltningslagen bl.a. på så sätt att kravet gäller i fråga om alla beslut som påverkar någons situation på ett inte obetydligt sätt (32 §). Regeringen bedömer mot den bakgrunden att direktivet i denna del inte kräver någon lagstiftningsåtgärd.</P>
<TABLE cellpadding=0 cellspacing=0 class="t86">
<TR>
<TD class="tr50 td153"><P class="p441 ft42">13.3.6</P></TD>
<TD class="tr50 td283"><P class="p3 ft110">Möjlighet för Finansinspektionen att vidta</P></TD>
<TD class="tr50 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td283"><P class="p3 ft165">säkerhetsåtgärder samt samarbete och</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr22 td153"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td283"><P class="p3 ft110">informationsutbyte med utländska myndigheter</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
<TD class="tr42 td146"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td285"><P class="p41 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Finansinspektionen ska i sin tillsynsverk-</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">samhet, i den utsträckning som följer av betalkontodirektivet och av</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">andra betaltjänstdirektivet, samarbeta och utbyta information med</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft3">motsvarande behöriga myndigheter inom EES. Samarbete och</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">informationsutbyte ska även ske med Europeiska centralbanken,</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">Europeiska kommissionen och Europeiska bankmyndigheten och</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft7">andra behöriga myndigheter som utsetts i enlighet med unionsrätt som</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">är tillämplig på betaltjänstleverantörer.</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p153 ft5"><SPAN class="ft78">Regeringens bedömning: </SPAN>Reglerna i andra betaltjänstdirektivet om</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft3">möjlighet för den behöriga myndigheten i en värdmedlemsstat att</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft3">vidta säkerhetsåtgärder kräver inte någon lagstiftningsåtgärd.</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr46 td286"><P class="p3 ft8"> </P></TD>
<TD class="tr47 td146"><P class="p3 ft130"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr22 td93"><P class="p90 ft5"><SPAN class="ft78">Utredningens bedömning </SPAN>överensstämmer med regeringens bedöm-</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">ning. Utredningen lämnar inte något förslag när det gäller samarbete.</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p90 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker bedömningen eller har inget att invända</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td153"><P class="p3 ft6">mot den.</P></TD>
<TD class="tr16 td283"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p90 ft78">Skälen för regeringens förslag och bedömning: <SPAN class="ft5">I krissituationer, där</SPAN></P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">det krävs en omedelbar åtgärd för att ta itu med ett allvarligt hot mot de</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">kollektiva intressena för betaltjänstanvändarna i värdmedlemsstaten, kan</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">de behöriga myndigheterna i värdmedlemsstaten, enligt nya regler i</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">andra betaltjänstdirektivet, parallellt med det gränsöverskridande sam-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">arbetet mellan de behöriga myndigheterna och i avvaktan på att de</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">behöriga myndigheterna i hemmedlemsstaten vidtar åtgärder, vidta</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">säkerhetsåtgärder (artikel 30.2). Dessa säkerhetsåtgärder ska vara lämp-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">liga och proportionella med tanke på syftet, nämligen att skydda de</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">kollektiva intressena för betaltjänstanvändarna i värdmedlemsstaten mot</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">ett allvarligt hot, och de får inte leda till att betalningsinstitutets betal-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">tjänstanvändare i värdmedlemsstaten ges företräde framför betalnings-</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">institutets betaltjänstanvändare i andra medlemsstater (artikel 30.3 första</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">stycket). Säkerhetsåtgärderna ska vara tillfälliga och avslutas när de</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">allvarliga hot som upptäckts tas itu med, inbegripet med bistånd av eller i</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">samarbete med de behöriga myndigheterna i hemmedlemsstaten eller</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">Eba (artikel 30.3 andra stycket). Om det är lämpligt mot bakgrund av</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">krissituationen ska de behöriga myndigheterna i värdmedlemsstaten</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">informera de behöriga myndigheterna i hemmedlemsstaten och i alla</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">andra berörda medlemsstater, kommissionen och Eba i förväg, och under</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">alla omständigheter utan onödigt dröjsmål, om de säkerhetsåtgärder som</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td93"><P class="p3 ft3">vidtas och om motiveringen till dem (artikel 30.4).</P></TD>
<TD rowspan=2 class="tr1 td146"><P class="p17 ft3">265</P></TD>
</TR>
<TR>
<TD class="tr14 td153"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td283"><P class="p3 ft18"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_266">
<P class="p572 ft3">Prop. 2017/18:77 Varje åtgärd som vidtas av de behöriga myndigheterna, i enlighet med de ovan nämnda reglerna, och som innebär sanktioner eller inskränk- ningar i rätten att tillhandahålla tjänster eller etableringsrätten ska, enligt direktivet, vara väl motiverade och meddelas det berörda betalnings- institutet (artikel 31.1).</P>
<P class="p482 ft6">I direktivet utvecklas inte vad som avses med säkerhetsåtgärder i detta sammanhang eller vad sådana åtgärder kan bestå i. Däremot anges att åtgärderna bör vara lämpliga, stå i proportion till sitt syfte samt vara icke- diskriminerande och tillfälliga (skäl 45).</P>
<P class="p482 ft6">Det får antas att de säkerhetsåtgärder som avses i direktivet är sådana åtgärder som de behöriga myndigheterna kan vidta med stöd av nationell rätt.</P>
<P class="p482 ft6">De möjligheter till ingripanden mot utländska företag som Finans- inspektionen i dag har i egenskap av behörig myndighet enligt betal- tjänstlagen utgörs av föreläggande om att vidta rättelse eller, om rättelse inte sker, förbud för företaget att påbörja nya betalningstransaktioner i Sverige (8 kap. 21 §).</P>
<P class="p540 ft5">Finansinspektionens nuvarande befogenheter att ingripa enligt betal- tjänstlagen mot utländska företag som driver verksamhet i Sverige genom ombud eller filial och som inte följer bestämmelserna i 4 och 5 kap. samma lag framstår enligt regeringens uppfattning som väl avvägda och de ger inspektionen möjlighet att agera skyndsamt om det är påkallat med hänsyn till omständigheterna i det enskilda fallet, t.ex. vid en sådan allvarlig situation som avses i de ovan nämnda reglerna i andra betal- tjänstdirektivet. Regeringen anser därför att det inte finns behov av att införa någon särskild bestämmelse i betaltjänstlagen om säkerhetsåt- gärder för att Finansinspektionen ska kunna agera skyndsamt. Skyldig- heten för Finansinspektionen att meddela motiverade beslut (artikel 31.1) följer vidare av förvaltningslagen (20 och 21 §§ den nuvarande lagen och 32 och 33 §§ den nya förvaltningslagen). Det finns därför inte heller behov av att införa någon särskild bestämmelse om detta i betaltjänst- lagen.</P>
<P class="p487 ft5">Enligt betaltjänstlagen ska Finansinspektionen i sin tillsynsverksamhet samarbeta och utbyta information med bl.a. behöriga myndigheter inom EES (8 kap. 4 §). Som nämns ovan ska Finansinspektionen utöver dessa även informera Europeiska kommissionen och Eba när inspektionen vidtar åtgärder som i direktivets mening kan anses som säkerhetsåtgärder (artikel 30.4). För att genomföra denna regel i direktivet bör bestäm- melsen om samarbete i betaltjänstlagen även omfatta dessa myndigheter. Vidare bör det i lagen anges att samarbetet och informationsutbytet ska ske i den utsträckning som följer av andra betaltjänstdirektivet. Eftersom även betalkontodirektivet genomförs i betaltjänstlagen och det direktivet också innehåller regler om samarbete mellan behöriga myndigheter (artikel 22), bör det även anges att samarbetet ska ske i den utsträckning som följer av det direktivet (jfr 23 kap. 5 § lagen om värdepappers- marknaden).</P>
<P class="p933 ft3">266</P>
</DIV>
<DIV id="page_267">
<DIV id="dimg1">
<INGENBILD zsrc="H50377267x1.jpg/" id="img1">
</DIV>
<TABLE cellpadding=0 cellspacing=0 class="t60">
<TR>
<TD class="tr27 td90"><P class="p424 ft31">14</P></TD>
<TD class="tr27 td330"><P class="p18 ft1">Övriga frågor</P></TD>
<TD class="tr27 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
</TABLE>
<P class="p934 ft97"><SPAN class="ft118">14.1</SPAN><SPAN class="ft159">Ägarprövning och krav på företagets ledning</SPAN></P>
<P class="p840 ft6"><SPAN class="ft80">Regeringens förslag: </SPAN>För att få tillstånd att driva verksamhet som betalningsinstitut ska den som ska ingå i företagets styrelse, vara verkställande direktör eller vara ersättare för någon av dem, utöver att vara lämplig för en sådan uppgift, även ha tillräcklig insikt och erfarenhet för att delta i ledningen av ett sådant företag.</P>
<P class="p751 ft3"><SPAN class="ft42">Regeringens bedömning: </SPAN>Det krävs inte någon ytterligare lagstift- ningsåtgärd för att genomföra reglerna i andra betaltjänstdirektivet om ägarprövning för betalningsinstitut.</P>
<P class="p370 ft78">Utredningens förslag och bedömning <SPAN class="ft5">överensstämmer delvis med regeringens förslag och bedömning. Utredningens förslag avviker från regeringens förslag genom att det enligt utredningens förslag ska införas en uttrycklig bestämmelse i betaltjänstlagen om att en registrerad betal- tjänstleverantör ska underrätta Finansinspektionen om förändringar när det gäller personer som har ett kvalificerat innehav i företaget och när det gäller personer som ingår i ledningen. Utredningen föreslår vidare inte något krav på att den som ska ingå ledningen för ett betalningsinstitut ska ha tillräcklig insikt och erfarenhet för det.</SPAN></P>
<P class="p523 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget och bedömningen eller har inget att invända mot dem. <SPAN class="ft4">Finansinspektionen </SPAN>påtalar att kravet i första betaltjänstdirektivet på styrelsens insikt och erfarenhet har fallit bort vid genomförandet av det direktivet och att det inte heller finns med i utredningens förslag.</P>
<P class="p4 ft42">Skälen för regeringens förslag och bedömning</P>
<P class="p65 ft4">Ägarprövning</P>
<P class="p935 ft5">Andra betaltjänstdirektivet innehåller regler om ägarprövning i vissa fall. Enligt direktivet ska alla fysiska eller juridiska personer som har beslutat att direkt eller indirekt förvärva eller ytterligare öka ett kvalificerat inne- hav enligt tillsynsförordningen (artikel 4.1.36) i ett betalningsinstitut, varigenom andelen av kapitalet eller röstetalet kommer att nå eller överstiga 20, 30 eller 50 procent eller så att betalningsinstitutet därigenom kommer att få ställning som dotterföretag, i förväg skriftligen underrätta de behöriga myndigheterna om sina avsikter (artikel 6.1 första men- ingen). Detta gäller även alla fysiska eller juridiska personer som har beslutat att direkt eller indirekt avyttra ett kvalificerat innehav eller minska sitt kvalificerade innehav så att andelen av kapitalet eller röste- talet understiger 20, 30 eller 50 procent eller så att betalningsinstitutets ställning som dotterföretag kommer att upphöra (artikel 6.1 andra men- ingen).</P>
<P class="p788 ft3">Med kvalificerat innehav avses enligt tillsynsförordningen direkt eller indirekt ägande i ett företag, där innehavet representerar 10 procent eller mer av kapitalet eller samtliga röster eller möjliggör ett väsentligt inflyt- ande över ledningen av detta företag (artikel 4.1.36).</P>
<P class="p936 ft3">267</P>
</DIV>
<DIV id="page_268">
<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=3 class="tr22 td93"><P class="p17 ft5">Enligt andra betaltjänstdirektivet (artikel 6.2) ska den tilltänkte förvärv-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3">aren av ett kvalificerat innehav även lämna uppgifter till den behöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">myndigheten om storleken på det tilltänkta innehavet samt relevanta</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">uppgifter som framgår av Europaparlamentets och rådets direktiv</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft5">2013/36/EU av den 26 juni 2013 om behörighet att utöva verksamhet i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">kreditinstitut och om särskild tillsyn av kreditinstitut och värdepappers-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p27 ft6">företag, om ändring av direktiv 2002/87/EG och om upphävande av</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3">direktiv 2006/48/EG och 2006/49/EG (artikel 23.4, direktivet i det</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td331"><P class="p3 ft6">följande benämnt kapitaltäckningsdirektivet).</P></TD>
<TD class="tr16 td115"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">Om det inflytande som utövas av den tilltänkte förvärvaren sannolikt är till</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3">skada för en sund och ansvarsfull ledning av betalningsinstitutet ska</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft7">medlemsstaterna kräva att de behöriga myndigheterna motsätter sig för-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">värvet eller vidtar andra lämpliga åtgärder för att förhållandet ska upp-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft5">höra (artikel 6.3 första stycket första meningen i andra betaltjänstdirek-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft7">tivet). Sådana åtgärder kan bestå av förelägganden, sanktioner för styrel-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">sen eller de personer som leder verksamheten, eller upphävande av</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft5">rösträtt som är knuten till de aktier som innehas av betalningsinstitutets</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">aktieägare eller medlemmar (artikel 6.3 första stycket andra meningen).</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">Liknande åtgärder ska vidtas i fråga om fysiska eller juridiska personer</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3">som underlåter att lämna sådan förhandsinformation som krävs</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">(artikel 6.3 andra stycket). Om ett innehav har förvärvats trots att de</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">behöriga myndigheterna har motsatt sig det, ska medlemsstaterna,</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3">oavsett eventuella övriga sanktioner, föreskriva antingen att sådana</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">rösträtter inte får utövas eller att avgivna röster ska vara ogiltiga eller att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td59"><P class="p3 ft6">de får förklaras ogiltiga (artikel 6.4).</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td115"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3">I första betaltjänstdirektivet finns det inte någon reglering som fullt ut</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft7">motsvarar den som redovisas ovan. Det finns dock vissa regler om ägar-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">prövning även i det direktivet. Enligt första betaltjänstdirektivet ska be-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft7">höriga myndigheter vägra att bevilja auktorisation om de inte är förvissade</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft7">om lämpligheten hos aktieägare eller andra medlemmar med kvalificerade</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">innehav i betalningsinstitutet (artikel 10.6, som i stort sett motsvarar</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3">artikel 11.6 i andra betaltjänstdirektivet). Den regeln har i svensk rätt</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">genomförts i en bestämmelse i betaltjänstlagen (2 kap. 6 § första</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">stycket 3). Enligt den bestämmelsen krävs för att tillstånd att tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft5">hålla betaltjänster ska ges att det finns skäl att anta att den som har ett</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">kvalificerat innehav i företaget är lämplig att utöva ett väsentligt in-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p3 ft6">flytande över ledningen av företaget (se prop. 2009/10:220 s. 125 f.).</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3">I betaltjänstlagen (2 kap. 8 §) anges vidare att bestämmelserna om</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">ägarprövning i kreditinstitut i 14 kap. lagen om bank- och finansierings-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td331"><P class="p3 ft6">rörelse ska tillämpas även för betalningsinstitut.</P></TD>
<TD class="tr16 td115"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft5">Av lagen om bank- och finansieringsrörelse följer att den som avser att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft7">förvärva aktier eller andelar i ett kreditinstitut, som medför att förvärvarens</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">sammanlagda innehav utgör ett kvalificerat innehav, ska ansöka om</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3">tillstånd för förvärvet hos Finansinspektionen (14 kap. 1 §). Det gäller</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft7">även när ett innehav ökas så att det uppgår till eller överstiger 20, 30 eller</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">50 procent av kapitalet eller röstetalet eller så att företaget blir ett</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3">dotterföretag. Med kvalificerat innehav avses ett direkt eller indirekt</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">ägande i ett företag, om innehavet representerar tio procent eller mer av</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft7">kapitalet eller av samtliga röster eller på annat sätt möjliggör ett väsentligt</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td59"><P class="p3 ft3">inflytande över ledningen av företaget</P></TD>
<TD class="tr15 td208"><P class="p3 ft3">(1 kap. 4 §</P></TD>
<TD class="tr15 td115"><P class="p17 ft7">betaltjänstlagen).</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">268</P></TD>
<TD class="tr28 td59"><P class="p3 ft3">Finansinspektionen ska ge tillstånd till</P></TD>
<TD class="tr28 td208"><P class="p71 ft3">ett förvärv</P></TD>
<TD class="tr28 td115"><P class="p27 ft3">om förvärvaren</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_269">
<DIV>
<DIV id="id_1">
<P class="p937 ft64">bedöms lämplig och det tilltänkta förvärvet är ekonomiskt sunt. Vid bedömningen ska bl.a. förvärvarens anseende och kapitalstyrka beaktas liksom om det finns skäl att anta att förvärvet har samband med eller kan öka risken för penningtvätt eller finansiering av terrorism (14 kap. 2 §). Vidare måste den som har beslutat att avyttra ett kvalificerat innehav i ett kreditinstitut, eller så stor del av ett kvalificerat innehav att innehavet därigenom kommer att understiga någon av de gränser som utlöser tillståndsplikt, underrätta Finansinspektionen om detta (14 kap. 3 §). Om den som har ett kvalificerat innehav av aktier eller andelar inte har ansökt om tillstånd före förvärvet, får Finansinspektionen besluta att innehavaren inte får företräda aktierna eller andelarna vid stämman till den del de omfattas av ett krav på tillstånd (14 kap. 6 § andra stycket). Om någon i strid med ett beslut av Finansinspektionen har ett kvalificerat innehav av aktier eller andelar, får innehavaren inte företräda aktierna eller andelarna vid stämman till den del innehavet står i strid med beslutet (14 kap. 6 § tredje stycket). Vidare får Finansinspektionen under vissa förutsättningar förelägga en ägare att avyttra så stor del av aktierna eller andelarna att innehavet inte är kvalificerat eller inte står i strid med inspektionens be- slut (14 kap. 7 §). Slutligen får Finansinspektionen besluta att en ägare som inte följer bestämmelserna ska betala en sanktionsavgift (14 kap.</P>
<P class="p905 ft3"><SPAN class="ft3">7</SPAN><SPAN class="ft32">a §).</SPAN></P>
<P class="p79 ft3">Regeringen konstaterar att bestämmelserna om ägarprövning i lagen</P>
<P class="p758 ft6">om bank- och finansieringsrörelse, som alltså även är tillämpliga för betal- ningsinstitut, överensstämmer med kraven i andra betaltjänstdirektivet när det gäller ägarprövning. Det krävs därför inte någon ytterligare åtgärd för att reglerna om ägarprövning i direktivet ska anses genomförda i svensk rätt när det gäller betalningsinstitut.</P>
<P class="p611 ft5">Enligt andra betaltjänstdirektivet kan medlemsstater eller medlems- staters behöriga myndigheter undanta vissa verksamheter från tillämp- ningen av delar av direktivet, inklusive de ovan nämnda reglerna om ägarprövning, om de uppfyller vissa krav (artikel 32.1). Ett sådant krav är att ingen av de fysiska personer som ansvarar för ledningen eller driften av affärsverksamheten har dömts för brott som rör finansiering av terrorism, penningtvätt eller annan ekonomisk brottslighet (artikel 32.1 b). Sådana fysiska eller juridiska personer som beviljats undantag ska underrätta de behöriga myndigheterna om alla förändringar som har betydelse för de villkoren för undantaget (artikel 32.5).</P>
<P class="p774 ft64">En motsvarande möjlighet till undantag från tillståndsplikt finns även i första betaltjänstdirektivet (artikel 26). I svensk rätt har det genomförts på så sätt att vissa betaltjänstleverantörer, s.k. registrerade betaltjänst- leverantörer, är undantagna från kraven i betaltjänstlagen på tillstånd för att tillhandahålla betaltjänster. Enligt betaltjänstlagen ska företaget upp- fylla vissa krav för att undantas från tillståndsplikt, bl.a. när det gäller ägarförhållanden och de personer som har en ledande ställning i företaget (2 kap. 3 §). När det gäller registrerade betaltjänstleverantörer görs där- med en ägarprövning som en del av Finansinspektionens prövning av om betaltjänstleverantören ska beviljas undantag. Av betaltjänstlagen följer vidare att en registrerad betaltjänstleverantör ska underrätta Finans- inspektionen om sådana förändringar som påverkar dess möjlighet att uppfylla villkoren för undantag (2 kap. 4 §). Utredningen föreslår att det i lagen ska införas en uttrycklig bestämmelse om att ett byte i sig av en</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">269</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_270">
<DIV id="dimg1">
<INGENBILD zsrc="H50377270x1.jpg/" id="img1">
</DIV>
<P class="p498 ft64">Prop. 2017/18:77 person med kvalificerat innehav eller av en person i ledningen ska medföra en underrättelseskyldighet gentemot Finansinspektionen. Reger- ingen anser dock inte att en sådan bestämmelse är nödvändig. Finans- inspektionen har, om den anser det nödvändigt, nämligen möjlighet att med stöd av befintliga bemyndiganden föreskriva om sådan upplysnings- skyldighet (se 8 kap. 27 § betaltjänstlagen och 5 § 7 betaltjänstförord- ningen). Någon lagstiftningsåtgärd är således inte nödvändig i denna del.</P>
<P class="p938 ft4">Krav på företagets ledning</P>
<P class="p911 ft5">Andra betaltjänstdirektivet innehåller regler om vilka krav som måste vara uppfyllda för att ett företag ska kunna få auktorisation som betal- ningsinstitut (artikel 5). Av direktivet följer att ansökan om auktorisation ska åtföljas bl.a. av bevis på att de personer i styrelsen och personer som leder betalningsinstitutet har gott anseende och enligt institutets hemmedlemsstat har den kunskap och erfarenhet som krävs för att tillhandahålla betaltjänster (artikel 5.1 första stycket n). Motsvarande regler finns i första betaltjänstdirektivet (artikel 5) och de har i svensk rätt genomförts genom en bestämmelse i betaltjänstlagen (2 kap. 6 § första stycket 4). Där anges att en förutsättning för att tillstånd att tillhandahålla betaltjänster ska ges är att den som ska ingå i företagets styrelse, vara verkställande direktör eller vara ersättare för någon av dem, är lämplig för en sådan uppgift. Det krav på kunskap och erfarenhet som anges i direktivet anges dock, som <SPAN class="ft41">Finansinspektionen </SPAN>påtalar, inte uttryckligen i betaltjänstlagen. Regeringen, som visserligen anser att kravet på kunskap och erfarenhet får anses inbegripet i kravet på lämplighet, instämmer med Finansinspektionen att ett sådant uttryckligt krav, på motsvarande sätt som i direktivet, bör införas även i lagen (jfr t.ex. 3 kap. 2 § första stycket 4 lagen om bank- och finansieringsrörelse och 3 kap. 1 § första stycket 5 lagen om värdepappersmarknaden).</P>
<P class="p939 ft97"><SPAN class="ft35">14.2</SPAN><SPAN class="ft159">Skyddskrav</SPAN></P>
<P class="p940 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>De krav på åtgärder för att skydda betaltjänst- användares medel som anges i betaltjänstlagen ska vara tillämpliga oavsett vilket belopp som har tagits emot.</P>
<P class="p575 ft40"><SPAN class="ft127">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft127">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft3">det.</P>
<P class="p486 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Andra betaltjänstdirektivet innehåller regler om s.k. skyddskrav som innebär att ett betalningsinstitut som tillhandahåller vissa betaltjänster ska skydda de medel som har tagits emot av en betaltjänstanvändare eller genom en annan betaltjänst- leverantör för genomförande av betalningstransaktioner (artikel 10). Reg- lerna gäller även för registrerade betaltjänstleverantörer (artikel 32.3).</P>
<P class="p486 ft40">Reglerna motsvarar i huvudsak dem i första betaltjänstdirektivet (artikel 9). Reglerna i det direktivet gäller dock enbart betalningsinstitut som tillhandahåller betaltjänster samtidigt som de driver annan affärs-</P>
<P class="p489 ft141">verksamhet. Medlemsstaterna hade dock möjlighet att utsträcka kraven</P>
<P class="p15 ft3">270</P>
</DIV>
<DIV id="page_271">
<P class="p476 ft3">till att även gälla betalningsinstitut som inte driver annan affärsverk- Prop. 2017/18:77 samhet. Vidare fick medlemsstaterna begränsa kraven till att enbart gälla</P>
<P class="p477 ft40">användare som hade minst 600 euro hos betalningsinstitutet. Någon så- dan möjlighet finns således inte längre enligt andra betaltjänstdirektivet.</P>
<P class="p644 ft5">Reglerna om skyddskrav i första betaltjänstdirektivet har i svensk rätt genomförts i en motsvarande bestämmelse i betaltjänstlagen (3 kap. 7 §). Ett betalningsinstitut eller en registrerad betaltjänstleverantör är skyldig att skydda de medel som har tagits emot från en betaltjänstanvändare eller en annan betaltjänstleverantör för att genomföra en betal- ningstransaktion. Sådana medel får inte sammanblandas med medel som innehas för någon annans räkning än betaltjänstanvändares, och ska hållas avskilda så att de inte vid insolvens kan omfattas av anspråk från betalningsinstitutets eller den registrerade betaltjänstleverantörens övriga borgenärer. Alternativt kan betalningsinstitutet eller den registrerade betal- tjänstleverantören se till att de innehavda medlen omfattas av en försäk- ring på motsvarande belopp. Skyddskraven är begränsade till att gälla medel som överstiger ett belopp motsvarande 300 euro per betaltjänst- användare.</P>
<P class="p657 ft40">Betaltjänstlagen gäller för betalningsinstitut och registrerade betal- tjänstleverantörer oavsett om de driver annan verksamhet eller inte. Det krävs därför inte någon ändring i den lagen för att genomföra de nu aktuella reglerna i andra betaltjänstdirektivet. Däremot bör den begräns- ning i lagen som innebär att skyddskraven endast gäller för medel som överstiger ett belopp motsvarande 300 euro tas bort. Skyddskraven bör alltså gälla oavsett hur stort belopp som har tagits emot.</P>
<TABLE cellpadding=0 cellspacing=0 class="t66">
<TR>
<TD class="tr27 td153"><P class="p22 ft118">14.3</P></TD>
<TD class="tr27 td283"><P class="p3 ft97">Registerfrågor</P></TD>
<TD class="tr27 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr41 td284"><P class="p3 ft108"> </P></TD>
<TD class="tr48 td146"><P class="p3 ft131"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td285"><P class="p178 ft7"><SPAN class="ft115">Regeringens förslag: </SPAN>Det register över betalningsinstitut, registrerade</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p178 ft5">betaltjänstleverantörer, deras ombud och filialer som Finansinspek-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p178 ft6">tionen ska föra ska även innehålla uppgifter om tillstånd som åter-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p178 ft7">kallats samt om de registrerade betaltjänstleverantörer som inte längre</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">uppfyller villkoren för registrering.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p153 ft5">Finansinspektionen ska så snart det kan ske underrätta Europeiska</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p228 ft5">bankmyndigheten om den information som förs in i registret samt om</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p228 ft5">skälen till att ett tillstånd återkallats eller en registrerad betaltjänst-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p228 ft5">leverantör inte längre uppfyller villkoren för registrering för undantag</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td285"><P class="p41 ft3">från tillståndsplikt.</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr46 td286"><P class="p3 ft8"> </P></TD>
<TD class="tr47 td146"><P class="p3 ft130"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr22 td93"><P class="p90 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td153"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td283"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p90 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">medlemsstaterna upprätta ett offentligt register (artikel 14.1). Registret</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">ska innehålla uppgifter om auktoriserade betalningsinstitut och deras</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">ombud, fysiska och juridiska personer som utnyttjar ett nationellt undan-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">tag eller det särskilda undantaget för leverantörer av kontoinformations-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">tjänster och deras ombud. Registret ska även innehålla uppgifter om</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">filialer till betalningsinstitut eller registrerade betaltjänstleverantörer som</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td93"><P class="p3 ft3">tillhandahåller kontoinformationstjänster, om dessa filialer tillhanda-</P></TD>
<TD class="tr20 td146"><P class="p17 ft3">271</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_272">
<TABLE cellpadding=0 cellspacing=0 class="t85">
<TR>
<TD class="tr22 td28"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td65"><P class="p3 ft3">håller</P></TD>
<TD class="tr22 td332"><P class="p3 ft3">tjänster i en annan medlemsstat än</P></TD>
<TD class="tr22 td209"><P class="p17 ft7">sin hemmedlemsstat</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td213"><P class="p3 ft3">(artiklarna 14.1 första stycket och 33.2).</P></TD>
<TD class="tr15 td209"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">Registret ska även innehålla uppgift om de betaltjänster för vilka</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">betalningsinstitutet är auktoriserat eller för vilka de fysiska eller juridiska</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft7">personerna har registrerats. Auktoriserade betalningsinstitut ska anges i</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">en separat förteckning i registret. Registret ska vara allmänt tillgängligt,</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p3 ft6">även online, och ska uppdateras utan dröjsmål (artikel 14.2).</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft5">Behöriga myndigheter ska föra in varje återkallelse av en auktorisation</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">och varje återkallelse av ett nationellt undantag eller ett undantag för</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">leverantörer av kontoinformationstjänster i registret och även underrätta</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p3 ft3">Eba om skälen till en sådan återkallelse (artikel 14.3 och 14.4).</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft6">Av andra betaltjänstdirektivet följer även att Eba ska utveckla, driva</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">och upprätthålla ett centralt register som ska innehålla den information</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p27 ft7">som de behöriga myndigheterna i respektive medlemsstat förser Eba med</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">(artikel 15.1). De behöriga myndigheterna ska utan dröjsmål och på ett</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">språk som är brukligt på det finansiella området underrätta Eba om den</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td93"><P class="p17 ft3">information som förts in i deras register (artikel 15.2). De behöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td93"><P class="p17 ft5">myndigheterna ska svara för att informationen är korrekt och uppdateras</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td213"><P class="p3 ft6">regelbundet (artikel 15.3).</P></TD>
<TD class="tr16 td209"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td65"><P class="p31 ft6">Även</P></TD>
<TD class="tr16 td332"><P class="p90 ft6">första betaltjänstdirektivet innehåller</P></TD>
<TD class="tr16 td209"><P class="p17 ft6">regler om register</P></TD>
</TR>
</TABLE>
<P class="p941 ft5">(artikel 13). De reglerna har i svensk rätt genomförts i motsvarande bestämmelser i betaltjänstlagen (8 kap. 5 §). Finansinspektionen ska föra ett register över betalningsinstitut, registrerade betaltjänstleverantörer samt deras ombud och filialer. Registret ska innehålla uppgifter om vilka betaltjänster som betalningsinstitut, registrerade betaltjänstleverantörer, deras ombud och filialer har rätt att tillhandahålla. Registret ska hållas tillgängligt hos Finansinspektionen.</P>
<P class="p726 ft5">Regeringen konstaterar att kravet på att upprätta ett register och på dess innehåll i huvudsak är genomfört i svensk rätt. För att genomföra andra betaltjänstdirektivet fullt ut bör det dock i betaltjänstlagen anges att Finansinspektionen ska föra in uppgifter om tillstånd som återkallats och om de registrerade betaltjänstleverantörer som inte längre uppfyller vill- koren för registrering. Det bör också anges att Finansinspektionen så snart det kan ske ska underrätta Eba om den information som förs in registret. Enligt regeringens uppfattning är det dock inte nödvändigt att i lagen uttryckligen ange att Finansinspektionen svarar för att lämnad information är korrekt och uppdateras regelbundet (jfr artikel 15.3).</P>
<P class="p942 ft3">Frågor om Finansinspektionens register behandlas också i avsnitt 6.4.2, som avser genomförandet av regler om registrering av vissa aktörer som omfattas av undantag i betaltjänstlagen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t112">
<TR>
<TD class="tr39 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr39 td82"><P class="p28 ft35">14.4</P></TD>
<TD class="tr39 td333"><P class="p25 ft97">Betalningstransaktioner där</P></TD>
</TR>
<TR>
<TD class="tr1 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td333"><P class="p25 ft97">transaktionsbeloppet inte är känt i förväg</P></TD>
</TR>
<TR>
<TD class="tr41 td64"><P class="p3 ft108"> </P></TD>
<TD colspan=2 class="tr44 td309"><P class="p3 ft16"> </P></TD>
</TR>
<TR>
<TD class="tr20 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td310"><P class="p75 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Om en kortbaserad betalningstransaktion initi-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td310"><P class="p75 ft5">eras av eller via betalningsmottagaren och det exakta beloppet inte är</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td310"><P class="p75 ft5">känt vid tidpunkten för betalarens godkännande av genomförandet av</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td310"><P class="p75 ft5">betalningstransaktionen, ska betalarens betaltjänstleverantör få reser-</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr1 td64"><P class="p495 ft7">272</P></TD>
<TD colspan=2 class="tr15 td310"><P class="p75 ft5">vera medel på betalarens betalkonto endast för täckning av transak-</P></TD>
</TR>
<TR>
<TD class="tr40 td82"><P class="p3 ft17"> </P></TD>
<TD class="tr40 td333"><P class="p3 ft17"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_273">
<DIV id="dimg1">
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<DIV>
<DIV id="id_1">
<P class="p943 ft3">tionen och om betalaren har godkänt det exakta belopp som reserva- tionen avser.</P>
<P class="p944 ft3">Betalarens betaltjänstleverantör ska frigöra de medel som har reser- verats på betalarens betalkonto så snart det kan ske efter att betaltjänstleverantören tagit emot information om betalnings- transaktionens exakta belopp eller tagit emot betalningsordern.</P>
<P class="p945 ft64"><SPAN class="ft129">Utredningens förslag </SPAN>överensstämmer i sak med regeringens förslag. <SPAN class="ft129">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft63">Svenska Bankföreningen </SPAN>välkomnar förslaget att tidsfristen för betalarens betaltjänstleverantörs frigörande av reserverade medel begränsas till ”så snart som möjligt” efter mottagandet av betalningsordern. Ett krav på att detta ska ske ”omedelbart” efter mottagandet av betalningsordern skulle kräva omfattande ändringar av många bankers processer för debitering av korttransaktioner på kundernas konton, inte bara för denna mindre delmängd av transaktioner där transaktionsbeloppet är okänt i förväg, utan för alla korttransaktioner. I övrigt ligger det enligt Bankföreningen helt i kortutgivarens eget intresse att om möjligt förbättra dessa processer så att debitering av alla korttransaktioner kan ske så snart som möjligt efter mottagande av</P>
<P class="p701 ft3">betalningsordern.</P>
<P class="p611 ft64"><SPAN class="ft129">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet finns regler om betalningstransaktioner där transaktionsbeloppet inte är känt när transaktionen godkänns av betalaren (artikel 75). Om en betalnings- transaktion initieras av eller via betalningsmottagaren inom ramen för en kortbaserad betalningstransaktion och det exakta beloppet inte är känt vid tidpunkten då betalaren godkänner genomförandet av betalningstransak- tionen kan betalarens betaltjänstleverantör spärra medel på betalarens betalkonto endast om betalaren har gett sitt godkännande till det exakta belopp som ska spärras (artikel 75.1). Betalarens betaltjänstleverantör ska frigöra de spärrade medlen utan onödigt dröjsmål efter mottagandet av information om betalningstransaktionens exakta belopp och senast omedelbart efter mottagande av betalningsordern (artikel 75.2).</P>
<P class="p748 ft5">I skälen till direktivet anges bl.a. följande om den nu aktuella regeln. Direktivet syftar till att öka konsumentskyddet vid kortbaserade betal- ningstransaktioner där det exakta transaktionsbeloppet inte är känt vid tidpunkten för betalarens medgivande till genomförandet av betalnings- transaktionen, t.ex. vid obemannade bensinstationer, i biluthyrningsavtal eller vid hotellbokningar (skäl 75). Betalarens betaltjänstleverantör bör kunna spärra medel på betalarens betalkonto endast om betalaren har gett sitt medgivande till det exakta belopp som ska spärras och dessa medel bör frigöras utan onödigt dröjsmål efter att uppgift om det exakta beloppet för betalningstransaktionen har tagits emot och allra senast omedelbart efter mottagandet av betalningsordern (samma skäl).</P>
<P class="p746 ft3">Möjligheten för t.ex. en bank att spärra medel på en betalares betal- konto innebär att betalaren inte själv behöver hålla reda på hur mycket som finns på kontot när en transaktion görs via en terminal som är off- line, dvs. då kontot inte är tillgängligt online.</P>
<P class="p514 ft3">Den nu aktuella regeln har inte någon motsvarighet i första betaltjänst- direktivet.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">273</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_274">
<P class="p817 ft76">Prop. 2017/18:77 För att genomföra andra betaltjänstdirektivet i denna del bör en mot- svarande bestämmelse införas i betaltjänstlagen.</P>
<P class="p486 ft5">I den svenska språkversionen av direktivet används termen spärra för att beskriva den tillfälliga låsning av medel som kan ske i samband med betalningstransaktioner där transaktionsbeloppet inte är känt i förväg. I likhet med utredningen anser regeringen dock att termen reservera är mer rättvisande (jfr termen block i den engelska språkversionen).</P>
<P class="p486 ft5">Förslaget gäller således vid kortbaserade betalningstransaktioner som initierats av eller via en betalningsmottagare, s.k. pull transactions. Kort- baserade betalningstransaktioner är ett samlingsuttryck för de tjänster som grundas på infrastruktur och affärsregler för en betalningsordning för att med hjälp av utrustning eller programvara för kort, telekommunikation, digital teknik eller informationsteknik göra en debet- eller kreditkorts- transaktion. Förslaget innebär att det kommer att krävas godkännande från betalaren för att dennes betaltjänstleverantör ska kunna reservera medel på betalarens konto i fråga om köp med kontokort där det inte i förväg är känt vad transaktionsbeloppet kommer att uppgå till. Godkänn- andet ska omfatta det exakta belopp som kommer att reserveras. I och med det kommer det alltså inte vara möjligt att reservera medel på betalar- ens konto utan att betalaren har kännedom om det och har godkänt för- farandet.</P>
<P class="p499 ft5">I direktivet anges inte hur betalaren ska lämna sitt godkännande till reserveringen. Det krävs alltså inte att godkännandet lämnas uttryckligen utan det kan också lämnas på andra sätt, t.ex. genom konkludent hand- lande eller passivitet. Betalaren kan t.ex. på kortterminalens skärm upp- lysas i samband med att betalningstransaktionen initieras att medel till ett visst belopp kommer att reserveras på kontot. Genom att gå vidare med köpet får betalaren då anses ha godkänt detta.</P>
<P class="p668 ft5">I direktivet anges att de medel som har reserverats ska frigöras ”utan onödigt dröjsmål” efter det att betalarens betaltjänstleverantör har informerats om det exakta belopp som transaktionen avser och senast ”omedelbart efter” mottagandet av betalningsordern (artikel 75.2). Utredningen föreslår att det i betaltjänstlagen ska anges att medlen ska frigöras utan onödigt dröjsmål efter att betaltjänstleverantören tagit emot information om betalningstransaktionens exakta belopp och senast så snart som möjligt efter mottagandet av betalningsordern.</P>
<P class="p695 ft64">När det gäller den yttre tidsfristen i relation till mottagandet av betal- ningsordern kan det noteras att enligt första betaltjänstdirektivet, ska medel ”omedelbart” ställas till mottagarens förfogande efter kreditering på betalningsmottagarens betaltjänstleverantörs konto (artikel 73.1). I betaltjänstlagen används dock uttrycket ”så snart som möjligt” (5 kap. 20 § tredje stycket). I förarbetena till lagen anges att det kan krävas vissa kontroller för att betaltjänstleverantören ska kunna säkerställa att all nöd- vändig information finns tillgänglig, vilka i sin tur kan kräva viss tids- åtgång hos betalningsmottagarens betaltjänstleverantör från det att betal- ningsbeloppet krediteras på dennes konto och leverantören i sin tur kredi- terar betalningsmottagarens konto. För att möjliggöra viss tid för nöd- vändiga kontroller anges därför att beloppet ska ställas till betalningsmot- tagarens förfogande så snart som möjligt efter det att beloppet krediterats dennes betaltjänstleverantörs konto (prop. 2009/10:220 s. 245).</P>
<P class="p701 ft3">274</P>
</DIV>
<DIV id="page_275">
<DIV id="dimg1">
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<P class="p531 ft3">När det här gäller den yttre tidsfristen i relation till mottagandet av Prop. 2017/18:77 betalningsordern kan det konstateras att det är vanligt att en betalnings-</P>
<P class="p532 ft6">order, t.ex. efter en slutförd tankning av bensin, paketeras och skickas i en s.k. batch tillsammans med ett stort antal andra betalningar i flera olika steg innan den slutligen når den kontoförvaltande betaltjänst- leverantören. Den typ av transaktioner där reservering gjorts av ett högre belopp än det som den slutliga betalningstransaktionen avser hanteras inte i någon separat process utan utgör en liten delmängd i en sådan batch. Ett krav på omedelbar debitering på kontot och matchning mot reserveringen skulle innebära att detta måste göras för i princip alla korttransaktioner. Det görs inte i normalfallet i dag och ett sådant förfarande torde, såsom <SPAN class="ft4">Svenska Bankföreningen </SPAN>påpekar, kräva omfatt- ande ändringar i de kontoförvaltande betaltjänstleverantörernas system och processer.</P>
<P class="p533 ft6">Mot bakgrund av det anförda anser regeringen att det i förevarande lagstiftningsärende finns skäl att göra motsvarande bedömning när det gäller den yttre tidsfristen som vid genomförandet i svensk rätt av första betaltjänstdirektivet. Betalarens betaltjänstleverantör bör således frigöra de medel som har reserverats på kontot så snart det kan ske efter det att betalningsordern har tagits emot.</P>
<P class="p946 ft40"><SPAN class="ft39">Lagrådet </SPAN>påpekar att terminologin i betaltjänstlagen för att uttrycka att ett visst handlande ska ske så snabbt som möjligt inte är enhetlig och föreslår att de olika uttryckssätten genomgående ersätts med ”så snart det kan ske”. Regeringen instämmer med Lagrådet. I betaltjänstlagen bör det därför anges att de medel som har reserverats ska frigöras så snart det kan ske efter det att betalarens betaltjänstleverantör har tagit emot information om betalningstransaktionens exakta belopp eller tagit emot betalningsordern.</P>
<P class="p947 ft37"><SPAN class="ft118">14.5</SPAN><SPAN class="ft160">Besked om tillgängliga medel på betalarens betalkonto</SPAN></P>
<P class="p948 ft70"><SPAN class="ft126">Regeringens förslag: </SPAN>Den kontoförvaltande betaltjänstleverantören ska, på begäran av en betaltjänstleverantör som har gett ut ett kortbaserat betalningsinstrument, omedelbart ge ett klart besked om huruvida det belopp som krävs för genomförande av en kortbaserad betalnings- transaktion är tillgängligt på betalarens betalkonto eller inte om</P>
<P class="p949 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft166">betalarens betalkonto är tillgängligt online vid tidpunkten för begäran, och</SPAN></P>
<P class="p676 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">betalaren uttryckligen har godkänt att den kontoförvaltande betaltjänstleverantören lämnar ett sådant besked.</SPAN></P>
<P class="p950 ft3">Begäran ska inte ge den kontoförvaltande betaltjänstleverantören rätt att reservera medel på betalarens betalkonto.</P>
<P class="p951 ft6">På begäran av betalaren ska den kontoförvaltande betaltjänst- leverantören underrätta betalaren om identiteten på den betaltjänst- leverantör som begärt beskedet om tillgängliga medel samt om det svar som lämnats.</P>
<P class="p517 ft3">Den betaltjänstleverantör som har gett ut ett kortbaserat betalnings-</P>
<TABLE cellpadding=0 cellspacing=0 class="t83">
<TR>
<TD class="tr24 td316"><P class="p3 ft3">instrument får begära ett besked om tillgängliga medel om</P></TD>
<TD rowspan=2 class="tr50 td112"><P class="p17 ft3">275</P></TD>
</TR>
<TR>
<TD class="tr42 td316"><P class="p3 ft114"> </P></TD>
</TR>
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<P class="p952 ft3">Prop. 2017/18:77 1. betalaren uttryckligen har godkänt att en sådan begäran görs, och 2. betalaren har initierat betalningstransaktionen genom att använda ett kortbaserat betalningsinstrument som getts ut av betaltjänst-</P>
<P class="p953 ft3">leverantören.</P>
<P class="p564 ft6">Svaret får inte lagras eller användas i andra syften än för genom- förande av den kortbaserade betalningstransaktionen.</P>
<P class="p601 ft70">En betaltjänstleverantör som begär ett besked om tillgängliga medel ska tillämpa säker kommunikation och innan besked begärs autenti- sera sig gentemot den kontoförvaltande betaltjänstleverantören.</P>
<P class="p857 ft124">Reglerna ska inte gälla betalningstransaktioner som initieras genom kortbaserade betalningsinstrument där det lagras elektroniska pengar.</P>
<P class="p556 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p489 ft3">det.</P>
<P class="p486 ft70"><SPAN class="ft126">Skälen för regeringens förslag: </SPAN>I skälen till andra betaltjänstdirektivet konstateras att om ett kortbaserat betalningsinstrument utges av en annan betaltjänstleverantör än den som förvaltar kundens konto, kan det bidra till ökad konkurrens på marknaden och därmed till ett större urval och bättre erbjudanden för konsumenterna (skäl 67). Den betaltjänstleveran- tör som ger ut ett kortbaserat betalningsinstrument, särskilt bankkort, skulle på ett bättre sätt kunna hantera och begränsa sin kreditrisk om den kontoförvaltande betaltjänstleverantören bekräftar att medel finns till- gängliga på kundens konto. En sådan bekräftelse bör emellertid inte göra det möjligt för den kontoförvaltande betaltjänstleverantören att blockera medel på betalarens betalkonto (samma skäl).</P>
<P class="p954 ft5">I direktivet finns regler om under vilka förutsättningar en betaltjänst- leverantör som ger ut kortbaserade betalningsinstrument ska få viss kontoinformation av en kontoförvaltande betaltjänstleverantör (artikel 65). Enligt direktivet (artikel 65.1) ska en kontoförvaltande betaltjänstleverantör på begäran av en betaltjänstleverantör som ger ut kortbaserade betalningsinstrument omedelbart bekräfta om ett belopp som krävs för att genomföra en kortbaserad betalningstransaktion är tillgäng- ligt på betalarens betalkonto under förutsättning att</P>
<P class="p955 ft76"><SPAN class="ft3">a)</SPAN><SPAN class="ft148">betalarens betalkonto är tillgängligt via internet vid tidpunkten för begäran,</SPAN></P>
<P class="p956 ft5"><SPAN class="ft5">b)</SPAN><SPAN class="ft167">betalaren uttryckligen har godkänt att den kontoförvaltande betal- tjänstleverantören besvarar en begäran från en specifik betaltjänst- leverantör om att bekräfta att ett belopp som motsvarar en viss kort- baserad betalningstransaktion är tillgängligt på betalkontot, och</SPAN></P>
<P class="p957 ft76"><SPAN class="ft3">c)</SPAN><SPAN class="ft148">betalarens godkännande har getts innan den första begäran om bekräftelse görs.</SPAN></P>
<P class="p958 ft76">Enligt direktivet (artikel 65.2) får betaltjänstleverantören begära en sådan bekräftelse om</P>
<P class="p959 ft6">a) betalaren uttryckligen har godkänt att betaltjänstleverantören får begära det,</P>
<P class="p959 ft3">b) betalaren har initierat den kortbaserade transaktionen för beloppet i fråga med användning av ett kortbaserat betalningsinstrument som getts ut av betaltjänstleverantören, och</P>
<P class="p319 ft3">276</P>
</DIV>
<DIV id="page_277">
<P class="p960 ft3"><SPAN class="ft5">c)</SPAN><SPAN class="ft119">betaltjänstleverantören autentiserar sig mot den kontoförvaltande Prop. 2017/18:77 betaltjänstleverantören före varje begäran, och kommunicerar på ett</SPAN></P>
<P class="p961 ft93">säkert sätt med den kontoförvaltande betaltjänstleverantören i enlig- het med de tekniska standarder som kommissionen ska anta.</P>
<P class="p962 ft5">En bekräftelse ska endast bestå av ett svar i form av ett ”ja” eller ”nej” och inte av kontoutdrag. Bekräftelsen får inte heller lagras eller användas för andra syften än för att genomföra den kortbaserade betalningen (artikel 65.3). Bekräftelsen ska inte innebära att den kontoförvaltande betaltjänstleverantören får spärra medel på betalarens betalkonto (artikel 65.4). Betalaren får begära att den kontoförvaltande betaltjänst- leverantören underrättar betalaren om betaltjänstleverantörens identitet och om det svar som lämnats (artikel 65.5).</P>
<P class="p963 ft3">Reglerna är inte tillämpliga på betalningstransaktioner som initieras genom kortbaserade betalningsinstrument där elektroniska pengar enligt definitionen i <NOBR>e-penningdirektivet</NOBR> lagras (artikel 65.6).</P>
<P class="p620 ft5">De nu aktuella reglerna i andra betaltjänstdirektivet är nya i förhållande till första betaltjänstdirektivet. Det finns inte heller några motsvarande bestämmelser i betaltjänstlagen. Dessa regler i direktivet bör därför genomföras i motsvarande bestämmelser i den lagen. Enligt direktivet är en förutsättning för att besked ska lämnas att betalkontot i fråga är tillgängligt ”via internet”. Regeringen anser dock att termen online är att föredra. Det överensstämmer med språkbruket i förslagen i avsnitten 7.2.6 och 7.3.8 när det gäller rätten att använda vissa betal- ningsinitieringstjänster och kontoinformationstjänster. Med konton som är tillgängliga online torde normalt avses betalkonton som är tillgängliga via internet, men även betalkonton som är tillgängliga via andra data- system kan förekomma (se avsnitt 5.2).</P>
<P class="p964 ft5">Enligt direktivet ska en betaltjänstleverantör som begär ett besked om tillgängliga medel autentisera sig mot den kontoförvaltande betaltjänst- leverantören och kommunicera på ett säkert sätt i enlighet med andra regler i direktivet (artikel 65.2 c). Vad det innebär att en betaltjänst- leverantör som ger ut kortbaserade betalningsinstrument ska kommuni- cera säkert med den kontoförvaltande betaltjänstleverantören preciseras i tekniska standarder som antagits av kommissionen (se artikel 98.1 d och 98.4 samt Commission delegated regulation [EU] supplementing Directive 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authenti- cation and common and secure open standards of communication). I avsnitt 5.3.16 föreslås att det ska införas en definition av säker kommunikation i betaltjänstlagen i vilken det anges att det som avses är kommunikation enligt de tekniska standarderna. De tekniska standarderna ska börja tillämpas 18 månader efter det att de träder i kraft (se närmare om detta i avsnitt 15).</P>
<P class="p965 ft3">277</P>
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<TABLE cellpadding=0 cellspacing=0 class="t113">
<TR>
<TD class="tr33 td214"><P class="p3 ft3">Prop. 2017/18:77 <SPAN class="ft150">14.6</SPAN></P></TD>
<TD class="tr33 td334"><P class="p3 ft35">Återbetalning av betalningstransaktioner som</P></TD>
</TR>
<TR>
<TD class="tr1 td214"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td334"><P class="p3 ft97">initierats av eller via en betalningsmottagare</P></TD>
</TR>
</TABLE>
<P class="p966 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Vid återbetalning av betalningstransaktioner som initierats av eller via en betalningsmottagare ska valuteringsdagen för kreditering av betalarens betalkonto bestämmas till senast den dag då beloppet debiterades kontot.</P>
<P class="p564 ft6">De villkor för återbetalning som anges i betaltjänstlagen och som avser att betalningstransaktionens exakta belopp inte angavs i sam- band med godkännandet av betalningstransaktionen och att beloppet överstiger det belopp som betalaren rimligen kunde förvänta sig med hänsyn till sitt tidigare utgiftsmönster och andra relevanta omständig- heter, ska inte gälla för autogireringar som omfattas av <NOBR>SEPA-förord-</NOBR> ningen.</P>
<P class="p700 ft3"><SPAN class="ft42">Regeringens bedömning: </SPAN>Rätten till villkorslös återbetalning bör inte utvidgas till att omfatta andra autogireringar än de som omfattas av <NOBR>SEPA-förordningen.</NOBR></P>
<P class="p598 ft42">Utredningens förslag och bedömning <SPAN class="ft3">överensstämmer med reger- ingens förslag och bedömning.</SPAN></P>
<P class="p486 ft5"><SPAN class="ft78">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget och bedömningen eller har inget att invända mot dem. <SPAN class="ft41">Svenska Bank- föreningen</SPAN>, som instämmer att det saknas skäl att utvidga rätten till återbetalning för autogireringar som inte omfattas av <NOBR>SEPA-förord-</NOBR> ningen, framhåller att de svenska reglerna om återbetalning i autogirot har fungerat mycket bra under en lång följd av år, och att det är sällsynt att krav på återbetalning förs fram. Till skillnad från autogireringar inom övriga EU och euroländerna kontrolleras att svenska autogiromedgivan- den är aktuella och giltiga mot ett medgivanderegister. Enligt Bankfören- ingen saknas det därför skäl att göra någon ändring i befintligt regelverk. <SPAN class="ft41">Bankgirocentralen AB </SPAN>påpekar att Bg Autogiro är ett etablerat och välfungerande system på den svenska betaltjänstmarknaden och att det uppskattas av de många privatpersoner och företag som använder auto- giro. Det kan förutspås att en utvidgning av återbetalningsrätten skulle minska betalningsmottagarnas vilja att använda autogiro vilket i sådant fall skulle gå ut över betalarnas möjlighet att kunna fortsätta använda betalningssättet.</P>
<P class="p499 ft127">Skälen för regeringens förslag och bedömning: <SPAN class="ft40">I andra betaltjänst- direktivet finns regler om återbetalning för betalningstransaktioner som genomförs på betalningsmottagarens initiativ (artikel 76).</SPAN></P>
<P class="p482 ft6">Flera av reglerna överensstämmer med dem i första betaltjänst- direktivet (artikel 62), som i svensk rätt har genomförts i bestämmelser i betaltjänstlagen (5 kap. 6 och 7 §§).</P>
<P class="p486 ft5">I bestämmelserna i betaltjänstlagen regleras frågor om återbetalning av betalningstransaktioner som initierats av eller via en betalningsmot- tagare, s.k. pull transactions. De betalningstransaktioner som omfattas av återbetalningsrätten är bl.a. överföringar med autogiro. Autogiro definieras i betaltjänstlagen som en betaltjänst för debitering av en betalares betalkonto, där initiativet till en betalningstransaktion tas av</P>
<P class="p489 ft3">betalningsmottagaren på grundval av betalarens samtycke till mot-</P>
<P class="p15 ft3">278</P>
</DIV>
<DIV id="page_279">
<DIV>
<DIV id="id_1">
<P class="p729 ft3">tagaren, mottagarens betaltjänstleverantör eller betalarens egen betal- tjänstleverantör (1 kap. 4 §).</P>
<P class="p145 ft5">Enligt betaltjänstlagen måste vissa villkor vara uppfyllda för att betalaren ska ha rätt till återbetalning (5 kap. 6 §). En förutsättning är att transaktionens exakta belopp inte angavs när betalaren godkände betalningstransaktionen. Vidare måste transaktionsbeloppet överstiga det belopp som betalaren rimligen kunde ha förväntat sig med hänsyn till sitt tidigare utgiftsmönster, villkoren i ramavtalet och andra relevanta omständigheter. Återbetalningen ska uppgå till hela beloppet av den genomförda transaktionen. När betaltjänstleverantören har tillämpat en redan överenskommen referensväxelkurs på betalningstransaktionen får betalaren dock inte åberopa en ofördelaktig växelkurs som skäl för att betalningsbeloppet blev högre än vad han eller hon rimligen kunde ha förväntat sig.</P>
<P class="p604 ft6">Vidare får en betalare och en betaltjänstleverantör i ett ramavtal komma överens om att betalaren i vissa angivna fall inte har rätt till åter- betalning (5 kap. 7 §). Återbetalning kan begäras i upp till åtta veckor från den dag då medlen debiterades betalarens konto (5 kap. 8 §). Betal- tjänstleverantören har sedan tio bankdagar på sig från mottagandet av begäran om återbetalning att antingen återbetala hela beloppet eller ange skäl till varför den vägrar att återbetala transaktionsbeloppet. Om betaltjänst- leverantören vägrar att betala, ska betalaren informeras om vart denne kan hänskjuta ärendet.</P>
<P class="p603 ft3">Den rätt till återbetalning som följer av de nämnda bestämmelserna tar alltså sikte på förhållandet mellan betalaren och dennes betaltjänst- leverantör, och påverkar inte betalarens skyldigheter mot betalningsmot- tagaren.</P>
<P class="p604 ft6">I andra betaltjänstdirektivet har det införts vissa nya regler i för- hållande till dem i första betaltjänstdirektivet och betaltjänstlagen.</P>
<P class="p145 ft5">Enligt andra betaltjänstdirektivet ska, på betaltjänstleverantörens begäran, betalaren bära bevisbördan om att förutsättningarna för rätt till återbetalning är uppfyllda (artikel 76.1 andra stycket). Vid återbetalning av betalningstransaktionens belopp får valuteringsdagen för kreditering av betalarens betalkonto inte infalla senare än den dag då beloppet debiterades kontot (artikel 76.1 tredje stycket). Valuteringsdag definieras i betaltjänstlagen som en referenstidpunkt som används av en betal- tjänstleverantör för att beräkna räntan på de medel som debiterats eller krediterats ett betalkonto (1 kap. 4 §).</P>
<P class="p631 ft64">Vidare ska för autogireringar enligt <NOBR>SEPA-förordningen</NOBR> finnas en ovillkorlig rätt till återbetalning inom de tidsfrister som anges i direktivet (artikel 76.1 femte stycket i andra betaltjänstdirektivet). SEPA (Single Euro Payments Area) är ett gemensamt eurobetalningsområde för Europeiska unionen som regleras i <NOBR>SEPA-förordningen</NOBR> och syftar till att harmonisera reglerna för betalningar och autogireringar i euro inom EU. <NOBR>SEPA-förordningen</NOBR> är tillämplig på autogireringstransaktioner i euro inom unionen där såväl betalarens som betalningsmottagarens betal- tjänstleverantörer eller betalningstransaktionens enda betaltjänst- leverantör är etablerade inom unionen. Denna nya regel i direktivet innebär således att det för återbetalning av en autogirering som omfattas av <NOBR>SEPA-förordningen</NOBR> inte ställs upp några villkor för återbetalning, t.ex. om att transaktionsbeloppet överstigit vad betalaren rimligen hade</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">279</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_280">
<TABLE cellpadding=0 cellspacing=0 class="t93">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p3 ft5">kunnat förvänta sig. Det påverkar dock inte möjligheten att i ett ramavtal</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">komma överens om en mer begränsad rätt till återbetalning (artikel 76.3,</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">jfr 5 kap. 7 § betaltjänstlagen). Rätten till ovillkorlig återbetalning kan</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">således avtalas bort.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft5">En annan nyhet i andra betaltjänstdirektivet är att medlemsstaterna, för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">autogireringar i andra valutor än euro, får kräva att deras betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">leverantörer erbjuder mer gynnsamma återbetalningsvillkor i enlighet</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft5">med sina autogireringssystem, förutsatt att de är mer fördelaktiga för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">betalaren (artikel 76.4).</P></TD>
</TR>
<TR>
<TD class="tr20 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p512 ft5">I skälen till direktivet anges bl.a. följande (skäl 76).</P></TD>
</TR>
<TR>
<TD class="tr2 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td93"><P class="p17 ft5">För att säkerställa ett brett stöd bland allmänheten för SEPA och för att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">säkerställa en hög konsumentskyddsnivå inom SEPA ger det befintliga</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p17 ft23">alleuropeiska autogirosystemet ovillkorlig rätt till återbetalning för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">auktoriserade betalningar. Som en återspegling av denna verklighet syf-</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p27 ft23">tar detta direktiv till att fastställa en ovillkorlig rätt till återbetalning,</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p27 ft5">som ett allmänt krav för alla eurodenominerade autogireringstransak-</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft23">tioner i unionen.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p27 ft6">Parallellt med SEPA finns dock fortfarande äldre autogirosystem för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">icke eurodenominerade transaktioner i medlemsstater som inte har euron</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p27 ft24">som valuta. Dessa system har visat sig vara effektiva och säkerställer</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">samma höga nivå av skydd för betalaren genom andra skyddsmedel,</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p17 ft24">som inte alltid utgår från en ovillkorlig rätt till återbetalning. I detta fall</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p27 ft7">bör betalaren skyddas genom den allmänna regeln om en återbetalning</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p17 ft24">när den genomförda betalningstransaktionen överstiger det belopp som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">rimligen kunde ha förväntats. Dessutom bör det vara möjligt för</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p17 ft24">medlemsstaterna att fastställa regler om återbetalningsrättigheter som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p27 ft6">är mer fördelaktiga för betalaren. Det finns en genuin efterfrågan på</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p27 ft6">specifika eurodenominerade autogiroprodukter inom SEPA, vilket</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p27 ft23">framgår av att vissa äldre betalningssystem i euro finns kvar i några</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">medlemsstater. Det skulle vara rimligt att tillåta att betalaren och dennes</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p17 ft24">betaltjänstleverantör i ett ramavtal enas om att betalaren inte har rätt till</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">återbetalning, i situationer där betalaren är skyddad antingen eftersom</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p27 ft23">betalaren direkt till sin betaltjänstleverantör givit sitt godkännande till</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">att en transaktion genomförs, inbegripet när den senare handlar för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">betalningsmottagarens räkning eller eftersom, i förekommande fall,</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p27 ft24">betaltjänstleverantören eller betalningsmottagaren på överenskommet</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p27 ft6">sätt lämnat betalaren information om den framtida betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p17 ft23">aktionen eller gjort informationen tillgänglig för denne minst fyra</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">veckor före sista betalningsdagen. I varje fall bör betalaren alltid vara</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p17 ft24">skyddad genom den allmänna återbetalningsregeln i händelse av icke</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft5">auktoriserade eller felaktigt genomförda betalningstransaktioner.</P></TD>
</TR>
<TR>
<TD class="tr27 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p17 ft5">De nu aktuella nya reglerna i andra betaltjänstdirektivet föranleder vissa</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft5">ändringar i betaltjänstlagen. När det gäller regleringen av bevisbörda för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">att villkoren för rätt till återbetalning är uppfyllda (artikel 76.1 andra</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">stycket) anser regeringen att någon uttrycklig bestämmelse i lag inte är</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft3">nödvändig. Bevisbörderegeln får enligt regeringens uppfattning anses</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">uttrycka allmänna principer i svensk rätt.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">För att genomföra reglerna i andra betaltjänstdirektivet om valuterings-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">dag (artikel 76.1 tredje stycket) bör det dock i betaltjänstlagen tas in en</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr49 td64"><P class="p495 ft7">280</P></TD>
<TD class="tr15 td93"><P class="p17 ft5">motsvarande bestämmelse om när valuteringsdagen för kreditering vid</P></TD>
</TR>
<TR>
<TD class="tr20 td93"><P class="p17 ft3">återbetalning senast ska bestämmas till. Det bör också anges att</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_281">
<DIV id="dimg1">
<INGENBILD zsrc="H50377281x1.jpg/" id="img1">
</DIV>
<P class="p617 ft3">återbetalning av en autogirering som omfattas av <NOBR>SEPA-förordningen</NOBR> Prop. 2017/18:77 inte förutsätter att några särskilda villkor är uppfyllda.</P>
<P class="p968 ft6">Slutligen är frågan om den möjlighet till förmånligare återbetalnings- villkor för autogireringar i andra valutor än euro som direktivet ger ska utnyttjas i svensk rätt. Direktivet ger således en möjlighet att för fler typer av autogireringar t.ex. införa samma ovillkorliga rätt till åter- betalning som ges när det gäller autogireringar som omfattas av SEPA- förordningen.</P>
<P class="p969 ft41"><SPAN class="ft5">Som </SPAN>Svenska Bankföreningen <SPAN class="ft5">och </SPAN>Bankgirocentralen AB <SPAN class="ft5">anför är det svenska autogirot ett etablerat och välfungerande system på den svenska betaltjänstmarknaden. Det görs mer ingående kontroller i detta system innan en autogirering sker än vad som kan vara fallet i andra medlems- staters autogireringssystem. Dessa kontroller är förenade med stora kost- nader för betaltjänstleverantörerna. En ovillkorlig rätt till återbetalning skulle kunna medföra att betaltjänstleverantörerna belastas med stora kostnader för att i förväg kontrollera att en autogirering är riktig, och att de, trots dessa kontroller, måste göra en återbetalning vid ett påstående om att betalningen är felaktig. Det kan leda till negativa konsekvenser för betaltjänstanvändarna i form av t.ex. högre avgifter för användande av tjänsten eller minskade möjligheter att använda den. Mot denna bakgrund anser regeringen att det inte finns skäl att införa en ovillkorlig rätt till återbetalning för andra autogireringar än de som omfattas av SEPA- förordningen. De återbetalningsvillkor som följer av betaltjänstlagen är väl avvägda och det finns inte skäl att göra dem mer förmånliga än vad de är i dag. Ändringar av villkoren skulle kunna ha samma negativa inverkan på marknaden som en ovillkorlig rätt till återbetalning. Mot denna bakgrund anser regeringen att det inte finns skäl att utnyttja den möjlighet som direktivet ger att införa förmånligare villkor på detta område.</SPAN></P>
<P class="p970 ft37"><SPAN class="ft118">14.7</SPAN><SPAN class="ft160">Tidpunkt för när medel ska finnas tillgängliga för betalningsmottagaren</SPAN></P>
<P class="p623 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Det ska förtydligas i betaltjänstlagen att kravet att betalningsmottagarens betaltjänstleverantör ska säkerställa att betalningstransaktionens belopp ställs till betalningsmottagarens förfogande så snart som möjligt efter det att beloppet krediteras betalningsmottagarens betaltjänstleverantörs konto även gäller betalningar inom en och samma betaltjänstleverantör.</P>
<P class="p971 ft64"><SPAN class="ft129">Regeringens bedömning: </SPAN>Kravet i betaltjänstlagen att betalnings- mottagarens betaltjänstleverantör ska säkerställa att betalningstransak- tionens belopp ställs till betalningsmottagarens förfogande så snart som möjligt efter det att beloppet krediteras betalningsmottagarens betaltjänstleverantörs konto bör inte begränsas till att gälla endast under förutsättning att det hos betalningsmottagarens betaltjänstleverantör inte sker någon valutaväxling eller valutaväxling mellan euro och en annan av medlemsstaternas valutor eller mellan två sådana andra valutor.</P>
<P class="p972 ft3">281</P>
</DIV>
<DIV id="page_282">
<TABLE cellpadding=0 cellspacing=0 class="t77">
<TR>
<TD class="tr19 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td93"><P class="p17 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p27 ft5">och bedömning. Utredningens förslag avviker från regeringens bedöm-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">ning genom att utredningen föreslår att kravet på att betalningsmot-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">tagarens betaltjänstleverantör ska säkerställa att betalningstransaktionens</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft7">belopp ställs till betalningsmottagarens förfogande så snart som möjligt</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">efter det att beloppet krediteras betalningsmottagarens betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">törs konto endast ska gälla under förutsättning att det hos betalningsmot-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft7">tagarens betaltjänstleverantör inte sker någon valutaväxling, eller det sker</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">en växling mellan euron och en annan av medlemsstaternas valutor eller</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">mellan två sådana andra valutor.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">det.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft78">Skälen för regeringens förslag och bedömning: <SPAN class="ft5">Andra betaltjänst-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft3">direktivet innehåller regler om s.k. valuteringsdag, dvs. den referens-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p27 ft7">tidpunkt som en betaltjänstleverantör använder för beräkningen av räntan</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">på de medel som debiterats eller krediterats ett betalkonto, och vissa</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft5">tidsfrister för tillgång till medel i samband med betalningstransaktioner</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">(artikel 87).</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">Enligt direktivet ska valuteringsdagen för kreditering av betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft7">mottagarens konto senast vara den bankdag då betalningstransaktionens</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">belopp krediteras betalningsmottagarens betaltjänstleverantörs konto</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">(artikel 87.1). Betalningsmottagarens betaltjänstleverantör ska säkerställa</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft3">att betalningstransaktionens belopp ställs till betalningsmottagarens</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">förfogande omedelbart efter det att detta belopp krediteras betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">mottagarens betaltjänstleverantörs konto, under förutsättning att det hos</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft5">betalningsmottagaren inte sker någon valutakonvertering alls eller om</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">valutakonvertering sker mellan euro och en medlemsstats valuta eller</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">mellan två medlemsstaters valuta (artikel 87.2). Skyldigheten gäller även</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">betalningar inom en och samma betaltjänstleverantör.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">Reglerna i andra betaltjänstdirektivet på detta område överensstämmer i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">stora delar med dem i första betaltjänstdirektivet (artikel 73), som i svensk</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft5">rätt har genomförts i en motsvarande bestämmelse i betaltjänstlagen</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">(5 kap. 20 §).</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p27 ft6">I betaltjänstlagen anges när valuteringsdagen, dvs. den dag som an-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft5">vänds som referenstidpunkt för att beräkna räntan på ett betalkonto, ska</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">infalla vid betalningstransaktioner. Betalningsmottagarens betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">leverantör ska valutera och göra betalningstransaktionens belopp till-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft5">gängligt på mottagarens betalkonto (5 kap. 20 § första stycket). Valu-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">teringsdagen för kreditering av betalningsmottagarens betalkonto ska vara</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">senast den bankdag då betalningstransaktionens belopp krediteras mot-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft5">tagarens betaltjänstleverantörs konto (andra stycket). Betalningsmottag-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">arens betaltjänstleverantör ska säkerställa att betalningstransaktionens</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">belopp ställs till mottagarens förfogande så snart som möjligt efter det att</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">beloppet krediteras mottagarens leverantörs konto (tredje stycket).</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">Bestämmelserna i lagen gäller för betalningstransaktioner i Sverige som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">genomförs i euro eller i svenska kronor (5 kap. 17 § första stycket).</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p27 ft7">Bestämmelserna gäller också för betalningstransaktioner där det genom-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">förs en växling mellan euro och svenska kronor, under förutsättning att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft7">växlingen görs i Sverige, och, när det gäller en transaktion till eller från ett</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p17 ft3">annat land, överföringen av medlen mellan länderna genomförs i euro</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">282</P></TD>
<TD class="tr28 td93"><P class="p17 ft5">(5 kap. 17 § andra stycket). Bestämmelserna gäller även andra betal-</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_283">
<P class="p617 ft3">ningstransaktioner om parterna inte avtalat annat (5 kap. 17 § tredje Prop. 2017/18:77 stycket).</P>
<P class="p620 ft5">Andra betaltjänstdirektivet medför inte någon ändring när det gäller tidpunkten för valuteringsdagen vid kreditering av betalningsmottagarens betalkonto. I direktivet har regeln dock justerats i förhållande till den i första betaltjänstdirektivet på så sätt att skyldigheten att omedelbart ställa beloppet till betalningsmottagarens förfogande endast gäller trans- aktioner där det inte sker någon valutaväxling eller valutaväxlingen endast avser euro eller en annan medlemsstats valuta. Detta bör sättas i samband med att andra betaltjänstdirektivet har ett utökat tillämpnings- område jämfört med första betaltjänstdirektivet och även omfattar transaktioner i ett tredjelands valuta (se avsnitt 6.2.3).</P>
<P class="p969 ft64">Det kan noteras att i andra betaltjänstdirektivet används uttrycket ”omedelbart” om mottagarens betaltjänstleverantörs skyldighet att ställa beloppet till mottagarens förfogande (artikel 87.2). Samma uttryck an- vänds även i första betaltjänstdirektivet (artikel 73.1). I betaltjänstlagen används dock uttrycket ”så snart som möjligt” (5 kap. 20 § tredje stycket). I förarbetena till lagen anges att det kan krävas vissa kontroller för att betaltjänstleverantören ska kunna säkerställa att all nödvändig infor- mation finns tillgänglig, vilka i sin tur kan kräva viss tidsåtgång hos betalningsmottagarens betaltjänstleverantör från det att betalnings- beloppet krediteras på dennes konto och leverantören i sin tur krediterar betalningsmottagarens konto. För att möjliggöra viss tid för nödvändiga kontroller anges därför att beloppet ska ställas till betalningsmottagarens förfogande så snart som möjligt efter det att beloppet krediterats dennes betaltjänstleverantörs konto (prop. 2009/10:220 s. 245). Regeringen anser att det inte finns skäl att göra en annan bedömning i förevarande lagstiftningsärende. Betalningstransaktionens belopp ska således ställas till mottagarens förfogande så snart som möjligt.</P>
<P class="p973 ft5">Detta ska gälla när det hos betaltjänstleverantören inte görs någon valutaväxling, eller görs en växling mellan euro och någon annan av <NOBR>EES-ländernas</NOBR> valutor eller mellan sådana andra valutor. Det faller sig enligt regeringens mening naturligt att betalningsbeloppet från betal- ningstransaktioner som innehåller annan valutaväxling också ställs till mottagarens förfogande så snart som möjligt. En annan sak är att betalningsbeloppen från de förstnämnda transaktionerna, som inte inne- håller valutaväxling eller är begränsade till <NOBR>EES-länders</NOBR> valutor, typiskt sett snabbare bör kunna göras tillgängliga för mottagaren. Nuvarande bestämmelser i betaltjänstlagen omfattar även transaktioner med valuta- växling i andra än <NOBR>EES-ländernas</NOBR> valutor. Regeringen anser därför, till skillnad från utredningen, att det inte krävs någon lagstiftningsåtgärd för att genomföra reglerna i andra betaltjänstdirektivet i denna del.</P>
<P class="p974 ft3">I enlighet med andra betaltjänstdirektivet bör det dock uttryckligen anges i betaltjänstlagen att bestämmelserna ska gälla även betalningar inom en och samma betaltjänstleverantör.</P>
<P class="p975 ft3">283</P>
</DIV>
<DIV id="page_284">
<TABLE cellpadding=0 cellspacing=0 class="t114">
<TR>
<TD class="tr27 td134"><P class="p510 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr27 td153"><P class="p169 ft118">14.8</P></TD>
<TD class="tr27 td283"><P class="p3 ft97">Felaktiga unika identifikationskoder</P></TD>
</TR>
<TR>
<TD class="tr48 td134"><P class="p3 ft131"> </P></TD>
<TD colspan=2 class="tr41 td284"><P class="p3 ft108"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft7"><SPAN class="ft115">Regeringens förslag: </SPAN>Betalningsmottagarens betaltjänstleverantör ska</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">bistå betalarens betaltjänstleverantör i dennes försök att få tillbaka</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">medlen i fall där en felaktig unik identifikationskod har använts i en</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">betalningstransaktion och lämna all tillgänglig information som är</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">relevant för att medlen ska kunna återfås.</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p636 ft5">Om det, trots att betalarens betaltjänstleverantör har vidtagit skäliga</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">åtgärder för att få tillbaka de medel som betalningstransaktionen</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">avsåg, inte är möjligt att få tillbaka medlen, ska betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">på skriftlig begäran ge betalaren all tillgänglig information som</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">betalaren behöver för att kunna inleda ett rättsligt förfarande för att få</P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td289"><P class="p41 ft3">tillbaka medlen.</P></TD>
</TR>
<TR>
<TD class="tr47 td288"><P class="p3 ft130"> </P></TD>
<TD colspan=2 class="tr46 td295"><P class="p3 ft8"> </P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td93"><P class="p90 ft7"><SPAN class="ft115">Utredningens förslag </SPAN>överensstämmer i sak med regeringens förslag.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td283"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p90 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I skälen till andra betaltjänstdirektivet</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">anges att om de medel som en betalningstransaktion avser hamnar hos fel</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">mottagare på grund av att betalaren har lämnat en felaktig unik identi-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">fikationskod bör varken betalarens eller betalningsmottagarens betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">leverantör vara ansvarig (skäl 88). Samtidigt anges att betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">törerna bör samarbeta genom att vidta rimliga åtgärder för att återvinna</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">medlen, vilket inkluderar att lämna relevant information.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5">Enligt andra betaltjänstdirektivet ska en transaktion som genomförs</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">med hjälp av en unik identifikationskod anses ha genomförts korrekt vad</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">avser betalningsmottagaren (artikel 88.1). Om den unika identifikations-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">koden är felaktig ska betaltjänstleverantören inte vara ansvarig för att</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">betalningstransaktionen inte genomförts eller genomförts bristfälligt</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">(artikel 88.2). Betalarens betaltjänstleverantör ska dock vidta rimliga åt-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">gärder för att återvinna de medel som transaktionen avsåg och även</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">betalningsmottagarens betaltjänstleverantör ska medverka i dessa</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">ansträngningar och ge betalarens betaltjänstleverantör all relevant infor-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">mation för att återfå medlen. Vidare ska betalarens betaltjänstleverantör,</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">om det inte är möjligt att återfå medlen, på skriftlig begäran lämna all</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">information till betalaren som finns tillgänglig för betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">och som är relevant för betalaren för att denne ska kunna inleda ett</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">rättsligt förfarande för att återvinna medlen (artikel 88.3). Om det följer</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">av ramavtal får betaltjänstleverantören ta ut en avgift (artikel 88.4).</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">Vidare ska betaltjänstleverantören endast vara ansvarig för genom-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">förandet av transaktionen i enlighet med den identifikationskod som</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">betaltjänstanvändaren angett, även om betaltjänstanvändaren har lämnat</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">annan information än den information eller unika identifikationskod som</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">ska anges för att betalningsordern ska genomföras korrekt (artikel 88.5).</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p90 ft7">Reglerna i andra betaltjänstdirektivet på detta område överensstämmer</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">i stora delar med dem i första betaltjänstdirektivet (artikel 74), som i</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">svensk rätt har genomförts i motsvarande bestämmelser i betaltjänstlagen</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">(5 kap. 23 och 24 §§). I betaltjänstlagen anges vad som gäller när en unik</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">identifikationskod som har använts i en betalningstransaktion är felaktig.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">I den lagen definieras en unik identifikationskod som ”en kombination av</P></TD>
</TR>
<TR>
<TD class="tr20 td134"><P class="p512 ft7">284</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft5">bokstäver, siffror eller symboler som tillhandahållits av en betaltjänst-</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_285">
<P class="p557 ft3">leverantör, och som en betaltjänstanvändare ska uppge för att otvetydigt Prop. 2017/18:77 identifiera en annan betaltjänstanvändare eller dennes betalkonto” (1 kap.</P>
<P class="p15 ft3">4 §).</P>
<P class="p457 ft5">Om en unik identifikationskod uppges när en betalningsorder lämnas, ska ordern anses ha utförts korrekt i förhållande till den betalningsmot- tagare som angetts genom koden. Om koden är felaktig är betaltjänst- leverantören inte ansvarig för att betalningstransaktionen inte genomförts eller genomförts bristfälligt. Betaltjänstleverantören ska dock vidta skäliga åtgärder för att få tillbaka de medel som betalningstransaktionen avsåg, och får ta ut en avgift för dessa åtgärder om parterna har avtalat om det (5 kap. 23 § betaltjänstlagen).</P>
<P class="p457 ft64">Om betaltjänstanvändaren har lämnat ytterligare information, utöver den unika identifikationskoden eller motsvarande, är betaltjänstleverantören bara ansvarig för att betalningstransaktionen genomförs i enlighet med den unika identifikationskoden (5 kap. 24 § betaltjänstlagen).</P>
<P class="p457 ft5">I andra betaltjänstdirektivet har det tillkommit vissa regler i förhållande till dem i första betaltjänstdirektivet. Betalarens betaltjänstleverantör ska även enligt andra betaltjänstdirektivet vidta rimliga åtgärder för att åter- vinna de medel som betalningstransaktionen avsåg. Ett tillägg har dock gjorts som innebär att även betalningsmottagarens betaltjänstleverantör ska medverka i dessa ansträngningar genom att ge betalarens betaltjänst- leverantör all information som är relevant för att återfå medlen (artikel 88.3 första stycket). Även skyldigheten för betalarens betaltjänst- leverantör att på skriftlig begäran förse betalaren med information som är relevant för att kunna återfå medlen på rättslig väg är ny (andra stycket). Dessa regler i direktivet bör genomföras i en motsvarande bestämmelse i betaltjänstlagen.</P>
<P class="p637 ft40">I den svenska språkversionen av andra betaltjänstdirektivet används uttrycket ”rimliga åtgärder” för de åtgärder som betalarens betaltjänst- leverantör ska vidta. Uttrycket ”skäliga åtgärder”, som används i första betaltjänstdirektivet (artikel 74.2) och i betaltjänstlagen, får dock anses ha samma betydelse (jfr uttrycket resonable efforts i de engelska språk- versionerna av de båda direktiven).</P>
<P class="p976 ft37"><SPAN class="ft118">14.9</SPAN><SPAN class="ft160">Valuteringsdag och ansvar vid felaktigt genomförda betalningstransaktioner</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t115">
<TR>
<TD class="tr51 td58"><P class="p241 ft42">14.9.1</P></TD>
<TD class="tr51 td260"><P class="p90 ft110">Betalningstransaktioner som har initierats av</P></TD>
<TD class="tr51 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td260"><P class="p90 ft42">betalaren men inte genomförts eller genomförts</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr22 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td260"><P class="p90 ft110">bristfälligt</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr14 td284"><P class="p3 ft18"> </P></TD>
<TD class="tr42 td146"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Om betalarens betaltjänstleverantör ansvarar för</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft7">genomförandet av en betalningstransaktion som initierats av betalaren</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft5">och transaktionen inte genomförts eller genomförts bristfälligt, ska vid</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">återbetalning av den felaktigt genomförda transaktionen valuterings-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">dagen för kreditering av betalarens betalkonto bestämmas till senast</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft3">den dag då beloppet debiterades kontot.</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p153 ft7">Om det är betalningsmottagarens betaltjänstleverantör som ansvarar</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft3">för att betalningstransaktionen genomförs korrekt, ska valuterings-</P></TD>
<TD rowspan=2 class="tr51 td146"><P class="p17 ft3">285</P></TD>
</TR>
<TR>
<TD class="tr44 td58"><P class="p3 ft16"> </P></TD>
<TD class="tr44 td260"><P class="p3 ft16"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_286">
<DIV id="dimg1">
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</DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">286</P>
</DIV>
<DIV id="id_2">
<P class="p679 ft3">dagen för kreditering av betalningsmottagarens konto bestämmas till senast den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt.</P>
<P class="p627 ft6">Om en betalningstransaktion genomförs för sent ska betalningsmot- tagarens betaltjänstleverantör, på begäran av betalarens betaltjänstleve- rantör som agerar på betalarens vägnar, se till att valuteringsdagen för kreditering av betalningsmottagarens konto bestäms till senast den dag då beloppet skulle ha valuterats om betalningstransaktionen hade genomförts korrekt.</P>
<P class="p977 ft3">Det arbete som betalarens betaltjänstleverantör är skyldig att utföra i syfte att spåra en betalningstransaktion som genomförts bristfälligt ska vara avgiftsfritt för betalaren.</P>
<P class="p720 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p15 ft6">det.</P>
<P class="p463 ft70"><SPAN class="ft126">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet regleras betaltjänstleverantörers ansvar vid en betalningstransaktion som initierats av betalaren och som inte genomförts eller genomförts bristfälligt (artikel 89.1). Detta inkluderar när den s.k. valuteringsdagen, dvs. den tidpunkt som en betaltjänstleverantör använder för beräkning av räntan på de medel som debiterats eller krediterats ett betalkonto, ska infalla när en betalningstransaktion inte genomförts eller genomförts bristfälligt.</P>
<P class="p463 ft64">Reglerna i andra betaltjänstdirektivet i denna del motsvarar i stora delar dem i första betaltjänstdirektivet (artikel 75.1), som i svensk rätt har genomförts i motsvarande bestämmelser i betaltjänstlagen (5 kap. 25 och 26 §§). Enligt betaltjänstlagen ansvarar betalarens betaltjänstleverantör gentemot betalaren för att en betalningsorder som betalaren har initierat utförs korrekt (5 kap. 25 § första stycket). Om betalarens betaltjänst- leverantör kan styrka att mottagarens leverantör har tagit emot beloppet ansvarar dock mottagarens leverantör gentemot mottagaren för att transaktionen genomförs korrekt (andra stycket). Om en transaktion inte har genomförts eller genomförts bristfälligt och betalarens betaltjänst- leverantör är ansvarig för att transaktionen genomförs korrekt ska denne utan onödigt dröjsmål återbetala transaktionsbeloppet till betalaren och återställa det debiterade betalkontots ställning (5 kap. 26 § första stycket). Är det i stället betalningsmottagarens betaltjänstleverantör som är ansvarig ska denna så snart som möjligt ställa transaktionsbeloppet till betalningsmottagarens förfogande (andra stycket). Om en betalnings- transaktion inte har genomförts, eller genomförts bristfälligt, ska betal- arens betaltjänstleverantör på begäran snarast försöka spåra transaktionen och underrätta betalaren om resultatet (tredje stycket).</P>
<P class="p616 ft40">I andra betaltjänstdirektivet har det i förhållande till första betaltjänst- direktivet tillkommit vissa regler om när valuteringsdagen ska inträffa vid kreditering av betalarens respektive betalningsmottagarens konto.</P>
<P class="p213 ft3">Om betalarens betaltjänstleverantör ansvarar för en bristfälligt genom- förd betalningstransaktion ska leverantören återbetala beloppet. Enligt direktivet ska valuteringsdagen för kreditering av betalarens betalkonto då inte infalla senare än den dag då beloppet debiterades kontot (artikel 89.1 tredje stycket). En motsvarande bestämmelse bör därför tas in i betaltjänstlagen.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_287">
<DIV id="dimg1">
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<P class="p978 ft3">Vidare har det införts en regel om valuteringstidpunkt när betalnings- Prop. 2017/18:77 mottagarens betaltjänstleverantör är ansvarig för genomförandet av en</P>
<P class="p618 ft70">transaktion (artikel 89.1 femte stycket). Betalningsmottagarens leveran- tör ska då ansvara för att ställa beloppet till betalningsmottagarens för- fogande. Det nya i andra betaltjänstdirektivet är att det anges att valu- teringsdagen för kreditering av betalningsmottagarens konto inte får infalla senare än den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt, i enlighet med reglerna om valuteringsdag (se avsnitt 14.7). En motsvarande bestämmelse bör tas in i betaltjänstlagen.</P>
<P class="p979 ft5">Enligt betaltjänstlagen ska betalarens betaltjänstleverantör, när denne har tagit emot en betalningsorder, se till att betalningstransaktionens belopp krediteras betalningsmottagarens betaltjänstleverantörs konto senast vid slutet av nästföljande bankdag (5 kap. 18 §). I andra betal- tjänstdirektivet finns en ny regel för situationen att en betalningstransak- tion genomförs för sent (artikel 89.1 sjätte stycket). Den innebär att när en betalningstransaktion genomförs för sent ska betalningsmottagarens betaltjänstleverantör, på begäran av betalarens betaltjänstleverantör som agerar på betalarens vägnar, se till att valuteringsdagen för kreditering av betalningsmottagarens konto inte infaller senare än den dag då beloppet skulle ha valuterats om betalningstransaktionen hade genomförts korrekt. Slutligen följer det av direktivet att det arbete som betalarens betal- tjänstleverantör är skyldig att utföra i syfte att spåra en betalnings- transaktion som genomförts bristfälligt ska vara avgiftsfritt för betalaren (artikel 89.1 sjunde stycket). Motsvarande bestämmelser bör tas in i betaltjänstlagen.</P>
<P class="p980 ft112"><SPAN class="ft42">14.9.2</SPAN><SPAN class="ft163">Betalningstransaktioner som initieras av eller via betalningsmottagaren men inte genomförts eller genomförts bristfälligt</SPAN></P>
<P class="p981 ft70"><SPAN class="ft126">Regeringens förslag: </SPAN>Om betalningsmottagarens betaltjänstleverantör överför en betalningsorder som har initierats av eller via mottagaren för sent i förhållande till de tidsfrister som gäller, ska beloppet valuteras på betalningsmottagarens betalkonto senast den dag då det skulle ha valuterats om betalningsordern hade överförts korrekt.</P>
<P class="p982 ft5">Om en betalares betaltjänstleverantör ansvarar gentemot betalaren för en inte genomförd eller bristfälligt genomförd betalningstransak- tion som initierats av eller via betalningsmottagaren, ska, vid åter- betalning eller återställande av det debiterade kontots ställning, valuteringsdagen för kreditering av betalarens betalkonto bestämmas till senast den dag då beloppet debiterades kontot.</P>
<P class="p983 ft64">Skyldigheten enligt betaltjänstlagen för betalarens betaltjänst- leverantör att betala tillbaka betalningstransaktionens belopp när leverantören är ansvarig för en inte genomförd eller bristfälligt genomförd transaktion som initierats av eller via betalningsmottagaren ska inte gälla om transaktionen genomförts för sent men betalarens betaltjänstleverantör kan visa att betalningsmottagarens betaltjänst- leverantör ändå har tagit emot beloppet. I sådant fall ska betalnings- mottagarens betaltjänstleverantör valutera beloppet på betalnings-</P>
<P class="p984 ft3">287</P>
</DIV>
<DIV id="page_288">
<DIV id="dimg1">
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</DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">288</P>
</DIV>
<DIV id="id_2">
<P class="p679 ft3">mottagarens betalkonto senast den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt.</P>
<P class="p627 ft3">Det arbete som betalningsmottagarens betaltjänstleverantör är skyldig att utföra i syfte att spåra en betalningstransaktion som genomförts bristfälligt ska vara avgiftsfritt för betalningsmottagaren.</P>
<P class="p720 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p15 ft3">det.</P>
<P class="p463 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet regleras betaltjänstleverantörers ansvar vid en betalningstransaktion som initierats av eller via betalningsmottagaren och som inte genomförts eller genom- förts bristfälligt (artikel 89.2). Dessa regler rör alltså s.k. pull transactions som t.ex. autogiro- och kortbetalningar. I reglerna anges bl.a. när den s.k. valuteringsdagen, dvs. den tidpunkt som en betaltjänstleverantör använder för beräkning av räntan på de medel som debiterats eller krediterats ett betalkonto, ska infalla när en betalningstransaktion inte genomförts eller genomförts bristfälligt.</P>
<P class="p213 ft3">Reglerna i andra betaltjänstdirektivet i denna del överensstämmer i stora delar med dem i första betaltjänstdirektivet (artikel 75.2), som i svensk rätt har genomförts i motsvarande bestämmelser i betaltjänstlagen (5 kap. 27 och 28 §§).</P>
<P class="p463 ft64">Enligt betaltjänstlagen ansvarar betalningsmottagarens betaltjänstlever- antör gentemot mottagaren för att betalningstransaktionens belopp ställs till mottagarens förfogande och för att en betalningsorder som initierats av eller via mottagaren överförs korrekt till betalarens betaltjänstleve- rantör (5 kap. 27 § första stycket). Med en korrekt överföring avses att betalningsordern genomförs inom de tidsfrister som har överenskommits mellan betalningsmottagaren och betaltjänstleverantören (5 kap. 19 §). En betaltjänstleverantör som har ett sådant ansvar och som har försökt att utföra en betalningsorder ska så snart som möjligt överföra den berörda betalningsordern på nytt till betalarens betaltjänstleverantör (5 kap. 27 § andra stycket). Om en betalningstransaktion som initierats av eller via betalningsmottagaren inte genomförs eller genomförs bristfälligt, och betalningsmottagarens betaltjänstleverantör har uppfyllt sina skyldigheter, är det i stället betalarens betaltjänstleverantör som ansvarar inför betalaren (5 kap. 28 § första stycket). Betalarens betaltjänstleverantör ska då återbetala betalningstransaktionens belopp till betalaren eller återställa det debiterade betalkontots kontoställning till den som det skulle ha haft om den bristfälligt genomförda transaktionen inte hade ägt rum (andra stycket). Om en betalningstransaktion initierats av eller via betalnings- mottagaren, och transaktionen inte genomförs eller genomförs bristfälligt, ska mottagarens betaltjänstleverantör på begäran av mottagaren så snart som möjligt försöka spåra betalningstransaktionen och underrätta mot- tagaren om resultatet (tredje stycket).</P>
<P class="p985 ft40">I andra betaltjänstdirektivet har det i förhållande till första betaltjänst- direktivet tillkommit regler om när valuteringsdagen inträffar vid kreditering eller debitering av betalarens respektive betalningsmottag- arens konto i situationer där betalningsordern initierats av betalnings- mottagaren och när en betalningsorder överförts sent eller en betalnings- transaktion inte har genomförts korrekt.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_289">
<P class="p843 ft3">Enligt direktivet får beloppet, om en betalningsorder överförs sent, inte Prop. 2017/18:77 valuteras på betalningsmottagarens betalkonto senare än den dag då</P>
<P class="p656 ft6">beloppet skulle ha valuterats om överföringen hade genomförts korrekt (artikel 89.2 andra stycket). En motsvarande bestämmelse bör tas in i betaltjänstlagen.</P>
<P class="p644 ft70">Om i stället betalarens betaltjänstleverantör är ansvarig för en felaktig transaktion, ska denne på lämpligt sätt och utan onödigt dröjsmål återbetala den icke genomförda eller bristfälliga betalningstransaktionens belopp till betalaren och återställa det debiterade betalkontots kontoställning till den som skulle ha förelegat om den bristfälligt genomförda betalningstransak- tionen inte hade ägt rum. Det nya i andra betaltjänstdirektivet är att det anges att krediteringens valuteringsdag för betalarens betalkonto i dessa fall inte får infalla senare än den dag då beloppet debiterats (artikel 89.2 fjärde stycket). En motsvarande bestämmelse bör tas in i betaltjänstlagen.</P>
<P class="p657 ft5">Vidare har det införts ett undantag från skyldigheten för betalarens betaltjänstleverantör att till betalaren återbetala en bristfälligt genomförd transaktion som den betaltjänstleverantören är ansvarig för. Om brist- fälligheten består i att transaktionen genomförts för sent, behöver åter- betalning inte ske om betalarens betaltjänstleverantör visar att betalnings- mottagarens betaltjänstleverantör har mottagit betalningstransaktionens belopp. I ett sådant fall ska betalningsmottagarens leverantör valutera beloppet på betalningsmottagarens betalkonto senast den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt (artikel 89.2 femte stycket). Slutligen anges att skyldigheten för betal- ningsmottagarens betaltjänstleverantör att spåra en bristfälligt genomförd transaktion inte får medföra avgifter för betalningsmottagaren (artikel 89.2 sjätte stycket). Motsvarande bestämmelser bör tas in i betal- tjänstlagen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t116">
<TR>
<TD class="tr27 td82"><P class="p217 ft118">14.10</P></TD>
<TD class="tr27 td320"><P class="p986 ft97">Rätt till återkrav</P></TD>
<TD class="tr27 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr41 td284"><P class="p3 ft108"> </P></TD>
<TD class="tr48 td146"><P class="p3 ft131"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Rätten till återkrav ska även omfatta transak-</P></TD>
<TD class="tr20 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr24 td286"><P class="p41 ft3">tioner som genomförs obehörigen.</P></TD>
<TD class="tr2 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr22 td93"><P class="p27 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag.</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">Utredningens förslag avviker från regeringens förslag genom att enligt</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">utredningens förslag ska det införas en uttrycklig bestämmelse i betal-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">tjänstlagen om att rätten till ersättning även omfattar fall där den betal-</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">tjänstleverantör som har orsakat felet har underlåtit att tillämpa stark</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">kundautentisering.</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td82"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td320"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p27 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet har</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">en betaltjänstleverantör rätt till ersättning för förluster från en annan</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">betaltjänstleverantör eller mellanhand om ansvaret för förluster eller</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">betalda belopp till följd av betalningstransaktioner som genomförts</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">obehörigen eller som inte genomförts eller genomförts bristfälligt kan</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">hänföras till den andra betaltjänstleverantören eller mellanhanden</P></TD>
<TD class="tr16 td146"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">(artikel 92). Ersättningen ska omfatta om någon av betaltjänstleveran-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td82"><P class="p3 ft3">törerna</P></TD>
<TD class="tr20 td320"><P class="p27 ft3">underlåter att använda stark kundautentisering (artikel 92.1).</P></TD>
<TD class="tr20 td146"><P class="p17 ft3">289</P></TD>
</TR>
</TABLE>
</DIV>
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<P class="p498 ft3">Prop. 2017/18:77 Ytterligare ersättning får fastställas i enlighet med avtal mellan aktörerna (artikel 92.2). Det kan nämnas att det när det gäller ansvar för en leverantör av betalningsinitieringstjänster finns särskilda regler om regressrätt (artiklarna 73 och 90, se avsnitten 7.2.14 och 7.2.15).</P>
<P class="p486 ft5">Motsvarande regler finns i stora delar i första betaltjänstdirektivet (artikel 77). De reglerna har i svensk rätt genomförts i en bestämmelse i betaltjänstlagen (5 kap. 31 §). Det som tillkommit i andra betaltjänst- direktivet är att reglerna även omfattar ersättning som utgetts till följd av obehöriga transaktioner. Bestämmelserna om rätt till återkrav i betal- tjänstlagen bör därför ändras på motsvarande sätt.</P>
<P class="p486 ft5">I andra betaltjänstdirektivet har det tillkommit regler om stark kund- autentisering (se avsnitt 11.4). När det gäller rätten till återkrav anges i direktivet att rätten till ersättning omfattar fall där någon av betaltjänst- leverantörerna har underlåtit att använda sådan kundautentisering (artikel 92.1). Detta får närmast betraktas som ett förtydligande och bör inte anses påverka innebörden av rätten till återkrav. Även fortsättnings- vis kan således den leverantör eller mellanhand som orsakat att transak- tionen inte genomfördes eller genomfördes bristfälligt eller obehörigen tvingas ersätta den leverantör som ansvarar mot betaltjänstanvändaren. Regeringen anser därför, till skillnad från utredningen, att det inte behöver anges i betaltjänstlagen att rätten till ersättning även omfattar fall där den betaltjänstleverantör som har orsakat felet har underlåtit att tillämpa stark kundautentisering.</P>
<P class="p543 ft40">I såväl första betaltjänstdirektivet (artikel 77.2) som andra betaltjänst- direktivet (artikel 92.2) anges att ytterligare ersättning får fastställas i enlighet med avtal mellan aktörerna. Vid genomförandet av första betaltjänstdirektivet konstaterade regeringen att betaltjänstleverantörer även utan uttryckligt stöd i lag kan avtala om mer fördelaktiga ersättningsvillkor och att det därmed var onödigt att ta in en sådan bestämmelse i lag (prop. 2009/10:220 s. 258 f.). Regeringen gör inte någon annan bedömning i förevarande lagstiftningsärende.</P>
<P class="p739 ft97"><SPAN class="ft118">14.11</SPAN><SPAN class="ft168">Ramavtal</SPAN></P>
<P class="p938 ft110">14.11.1 Information i samband med ingående av ramavtal</P>
<P class="p799 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Innan ett ramavtal om betaltjänster ingås med en användare ska betaltjänstleverantören när det gäller kortbaserade betalningsinstrument även lämna information om de rättigheter som följer av artikel 8.2 i <NOBR>EU-förordningen</NOBR> om förmedlingsavgifter.</P>
<P class="p564 ft3">Betaltjänstleverantören ska även informera användaren om vilka åtgärder betaltjänstleverantören vidtar för att på ett säkert sätt underrätta betaltjänstanvändaren om obehörig användning och säkerhetsrisker.</P>
<P class="p543 ft64"><SPAN class="ft129">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att det i utredningens förslag anges att betaltjänstleverantören ska informera om betaltjänstanvändarens rättigheter enligt artikel 8 i <NOBR>EU-förordningen</NOBR> om</P>
<P class="p15 ft3"><SPAN class="ft83">290 </SPAN>förmedlingsavgifter.</P>
</DIV>
<DIV id="page_291">
<DIV>
<DIV id="id_1">
<P class="p604 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p604 ft80">Skälen för regeringens förslag: <SPAN class="ft6">I andra betaltjänstdirektivet finns regler om vilken information som en betaltjänstleverantör ska lämna till betaltjänstanvändaren innan ett ramavtal träffas mellan parterna (artikel 52).</SPAN></P>
<P class="p604 ft3">Reglerna i andra betaltjänstdirektivet i denna del motsvarar i stora delar dem i första betaltjänstdirektivet (artikel 42), som i svensk rätt har genomförts i en bestämmelse i betaltjänstlagen (4 kap. 10 §).</P>
<P class="p604 ft6">Utöver de ändringar som har gjorts när det gäller betalningsinitierings- tjänster (som behandlas närmare i avsnitt 7.2.4), har det i andra betal- tjänstdirektivet även tillkommit nya regler om vilken information betaltjänstanvändaren ska få.</P>
<P class="p145 ft5">Enligt andra betaltjänstdirektivet (artikel 52.2 g) ska betaltjänstleveran- tören, när det gäller kortbaserade betalningsinstrument med s.k. co- badging, informera om betaltjänstanvändarens rättigheter enligt artikel 8 i <NOBR>EU-förordningen</NOBR> om förmedlingsavgifter. Uttrycket <NOBR>co-badging</NOBR> defini- eras i direktivet som inbegripande av två eller flera betalmärken eller betalningsapplikationer som tillhör samma betalmärke på samma betalnings- instrument (artikel 4.48). <NOBR>Co-badging</NOBR> innebär således att flera betalmärken kombineras på ett och samma betalningsinstrument.</P>
<P class="p632 ft64"><NOBR>EU-förordningen</NOBR> om förmedlingsavgifter reglerar <NOBR>co-badging</NOBR> och val av betalmärke och betalningsapplikation. Förordningen i den nu aktuella delen innehåller bestämmelser om att regler för betalningsordningar för kontokort eller licensavtal inte får hindra en utgivare att kombinera två eller flera olika betalmärken eller betalningsapplikationer på ett kort- baserat betalningsinstrument (artikel 8.1). När konsumenter tecknar avtal med en betaltjänstleverantör, kan de kräva att få två eller flera olika betalmärken på ett kortbaserat betalningsinstrument, under förutsättning att betaltjänstleverantören erbjuder en sådan tjänst. I god tid innan avtalet tecknas ska betaltjänstleverantören ge konsumenten tydlig och objektiv information om tillgängliga betalmärken och deras egenskaper, in- begripet deras funktionalitet, kostnad och säkerhet (artikel 8.2). Det finns även regler om hur valet av betalmärken får ske på ett försäljningsställe. Bestämmelserna i förordningen är i huvudsak riktade till andra än betaltjänstanvändaren. Att, som utredningen föreslår, i betaltjänstlagen ange att betaltjänstleverantören ska informera om betaltjänstanvändarens ”rättigheter” enligt hela artikel 8, är enligt regeringens mening inte ända- målsenligt. De rättigheter som kan anses följa av artikel 8 bör vara rätten för en konsument att få tillgång till <NOBR>co-badging</NOBR> om betaltjänstlever- antören erbjuder tillgång till betalmärken av olika slag. Att konsumenten ska få information om tillgängliga betalmärken och deras egenskaper i samband med tecknande av avtal följer av förordningen om förmedlings- avgifter. Regeringen anser därför att kravet i andra betaltjänstdirektivet när det genomförs i svensk rätt bör utformas som ett krav på att lämna information om de rättigheter som följer av artikel 8.2 i <NOBR>EU-förordningen</NOBR> om förmedlingsavgifter.</P>
<P class="p870 ft124">I andra betaltjänstdirektivet har det införts ett krav på att betaltjänst- leverantören även ska informera om ett säkert förfarande genom vilket betaltjänstleverantören underrättar betaltjänstanvändaren i händelse av ett misstänkt eller faktiskt bedrägeri eller säkerhetshot (artikel 52.5 b). Som</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">291</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_292">
<DIV id="dimg1">
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<P class="p572 ft3">Prop. 2017/18:77 <SPAN class="ft4">Lagrådet </SPAN>påpekar måste syftet anses vara att information ska lämnas vid misstankar om all obehörig användning. I bestämmelsen bör det därför, som Lagrådet föreslår, anges att betaltjänstleverantören ska informera betaltjänstanvändaren om vilka åtgärder betaltjänstleverantören vidtar för att på ett säkert sätt underrätta betaltjänstanvändaren om obehörig användning och säkerhetsrisker.</P>
<P class="p987 ft110">14.11.2 Ändringar av villkoren enligt ramavtalet</P>
<P class="p639 ft3"><SPAN class="ft42">Regeringens bedömning: </SPAN>Regeln i andra betaltjänstdirektivet om att en betaltjänstanvändare antingen kan godkänna eller förkasta föreslagna villkorsändringar före den dag då de föreslås träda i kraft föranleder inte någon lagstiftningsåtgärd.</P>
<P class="p549 ft76"><SPAN class="ft135">Utredningens bedömning </SPAN>överensstämmer med regeringens bedöm- ning.</P>
<P class="p482 ft6"><SPAN class="ft80">Remissinstanserna </SPAN>tillstyrker bedömningen eller har inget att invända mot den.</P>
<P class="p482 ft80">Skälen för regeringens bedömning: <SPAN class="ft6">Andra betaltjänstdirektivet innehåller regler om förfarandet vid ändring av villkor i ett ramavtal (artikel 54). En betaltjänstleverantör ska föreslå sådana ändringar senast två månader före ändringarna föreslås börja tillämpas. Fram till denna tidpunkt kan betaltjänstanvändaren godkänna eller förkasta ändringarna (artikel 54.1 första stycket). Betaltjänstanvändaren ska informeras om att denne – om så har avtalats – ska anses ha accepterat de föreslagna änd- ringarna om de inte förkastas innan de börjar tillämpas. Vidare ska betal- tjänstanvändaren informeras om att denne får avsluta ramavtalet avgifts- fritt, om så sker innan ändringarna skulle träda i kraft (artikel 54.2 andra stycket).</SPAN></P>
<P class="p540 ft64">De nu nämnda reglerna överensstämmer i stora delar med dem i första betaltjänstdirektivet (artikel 44), som i svensk rätt har genomförts i en bestämmelse i betaltjänstlagen (4 kap. 14 §). Av betaltjänstlagen följer att en betaltjänstleverantör och en betaltjänstanvändare kan komma över- ens om att en användare ska bli bunden av en villkorsändring som leve- rantören föreslår, om användaren inte före den dag då ändringen föreslås träda i kraft meddelar leverantören att han inte accepterar det nya vill- koret. Leverantören måste föreslå ändringar minst två månader innan de ska börja tillämpas (4 kap. 14 § första stycket). Ändrade räntesatser eller växelkurser får dock tillämpas omedelbart och utan underrättelse om parterna kommit överens om detta. Användaren ska dock, som huvud- regel, snarast underrättas om detta (andra stycket). Användaren har rätt att med omedelbar verkan och avgiftsfritt säga upp ramavtalet före den dag då ändringen föreslås bli tillämplig. Användaren ska informeras om detta när leverantören föreslår ändringen (tredje stycket).</P>
<P class="p543 ft64">Betaltjänstleverantören är således skyldig att föreslå villkorsändringar senast två månader före den dag som de föreslås börja tillämpas. I andra betaltjänstdirektivet har det tillägget gjorts att betaltjänstanvändaren antingen kan godkänna eller förkasta ändringarna före den dag då de föreslås träda i kraft. Detta tillägg bör enligt regeringens mening inte</P>
<P class="p489 ft128">tolkas som att ett avvisande av ändringarna från betaltjänstanvändarens</P>
<P class="p15 ft3">292</P>
</DIV>
<DIV id="page_293">
<DIV id="dimg1">
<INGENBILD zsrc="H50377293x1.jpg/" id="img1">
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<P class="p490 ft3">sida innebär att avtalets ursprungliga villkor fortfarande ska gälla. Tillägget Prop. 2017/18:77 bör i stället ses som ett förtydligande av betaltjänstanvändarens rätt att</P>
<P class="p521 ft3">säga upp avtalet för det fall denne inte godkänner de föreslagna ändring- arna. Mot denna bakgrund, och då rätten att säga upp ramavtalet följer av betaltjänstlagen, anser regeringen att det tillägget i direktivet inte bör föranleda någon lagstiftningsåtgärd.</P>
<P class="p988 ft110">14.11.3 Uppsägning av ramavtal</P>
<P class="p989 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Rätten för betaltjänstanvändaren att avgiftsfritt säga upp ett ramavtal ska börja gälla redan sex månader efter det att avtalet ingåtts.</P>
<P class="p715 ft59"><SPAN class="ft94">Utredningens förslag </SPAN>överensstämmer med regeringens förslag. <SPAN class="ft94">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P>
<P class="p54 ft3">det.</P>
<P class="p57 ft80">Skälen för regeringens förslag: <SPAN class="ft6">Andra betaltjänstdirektivet reglerar frågor om uppsägning av ramavtal. En betaltjänstanvändare får när som helst avsluta ett ramavtal, såvida inte parterna har avtalat om en uppsäg- ningstid. En sådan uppsägningstid får inte överstiga en månad (artikel 55.1). Att avsluta ramavtalet ska vara kostnadsfritt för betaltjänst- användaren, utom när avtalet har varit i kraft kortare tid än sex månader. Alla eventuella avgifter för avslutande av ramavtalet ska vara rimliga och stå i proportion till kostnaderna (artikel 55.2).</SPAN></P>
<P class="p57 ft40">En betaltjänstleverantör får, med minst två månaders uppsägningstid, avsluta ett ramavtal som ingåtts på obestämd tid, förutsatt att detta avtalats i ramavtalet och sker på visst sätt (artikel 55.3).</P>
<P class="p12 ft6">Regelbundet uttagna betaltjänstavgifter ska betaltjänstanvändaren en- dast betala proportionellt mot tiden fram till det att avtalet avslutas. Om sådana avgifter har betalats i förväg, ska de återbetalas proportionellt (artikel 55.4).</P>
<P class="p57 ft70">De nu nämnda reglerna påverkar inte medlemsstaternas lagar och andra författningar om parternas rätt att förklara att ramavtalet inte är verkställ- bart eller att det är ogiltigt och medlemsstaterna får föreskriva förmån- ligare bestämmelser för betaltjänstanvändarna (artiklarna 55.5 och 55.6).</P>
<P class="p12 ft6">Reglerna överensstämmer i stora delar med dem i första betaltjänst- direktivet (artikel 45), som i svensk rätt har genomförts i en bestämmelse i betaltjänstlagen (4 kap. 15 §). Enligt betaltjänstlagen gäller bl.a. att betaltjänstanvändaren får säga upp ett ramavtal med omedelbar verkan, om inte parterna har kommit överens om en uppsägningstid. Ett ramavtal som har ingåtts för en bestämd tid om mer än tolv månader eller på obestämd tid ska kunna sägas upp avgiftsfritt av användaren efter tolv månader.</P>
<P class="p523 ft3">I andra betaltjänstdirektivet har endast den ändringen gjorts att tids- fristen för när det ska vara avgiftsfritt för betaltjänstanvändaren att säga upp ett ramavtal tidigarelagts till sex månader (artikel 55.2). För att genomföra direktivet i denna del bör motsvarande ändring göras i betal- tjänstlagen.</P>
<P class="p990 ft3">293</P>
</DIV>
<DIV id="page_294">
<TABLE cellpadding=0 cellspacing=0 class="t65">
<TR>
<TD class="tr27 td134"><P class="p510 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr27 td50"><P class="p62 ft118">14.12</P></TD>
<TD class="tr27 td335"><P class="p171 ft97">Information om avgifter i vissa fall</P></TD>
</TR>
<TR>
<TD class="tr48 td134"><P class="p3 ft131"> </P></TD>
<TD colspan=2 class="tr41 td284"><P class="p3 ft108"> </P></TD>
</TR>
<TR>
<TD class="tr28 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td289"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>En betaltjänstanvändare ska vara skyldig att</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">betala en avgift vid användning av ett visst betalningsinstrument för</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">en betalningstransaktion endast om betaltjänstleverantören informerar</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft7">användaren om det sammanlagda avgiftsbeloppet innan transaktionen</P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td50"><P class="p41 ft7">påbörjas.</P></TD>
<TD class="tr20 td336"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr47 td288"><P class="p3 ft130"> </P></TD>
<TD colspan=2 class="tr46 td295"><P class="p3 ft8"> </P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td93"><P class="p356 ft7"><SPAN class="ft115">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td50"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td335"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft3"><SPAN class="ft42">Skälen för regeringens förslag: </SPAN>I andra betaltjänstdirektivet finns</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">regler om extra avgifter och nedsättning (artikel 60). Enligt direktivet ska</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">en betalningsmottagare som begär en avgift eller erbjuder en nedsättning</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">om betalaren använder ett visst betalningsinstrument vid betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">transaktionen underrätta betalaren om detta innan transaktionen initieras</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">(artikel 60.1). Vidare ska en betaltjänstleverantör som begär en avgift när</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">ett visst betalningsinstrument används för en betalningstransaktion</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">informera betaltjänstanvändaren om detta innan transaktionen initieras</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">(artikel 60.2). Slutligen ska betalaren vara skyldig att betala sådana av-</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">gifter endast om deras fullständiga belopp tillkännages före initieringen</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">av betalningen (artikel 60.3).</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5">Reglerna om extra avgifter och nedsättning motsvarar till stor del dem i</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">första betaltjänstdirektivet (artikel 50), som i svensk rätt har genomförts i</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">en bestämmelse i betaltjänstlagen (4 kap. 2 §). Enligt den bestämmelsen</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">ska betaltjänstleverantören innan en betalningstransaktion påbörjas</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">informera betaltjänstanvändaren om avgifter som tas ut för användning</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">av ett visst betalningsinstrument.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft5">I andra betaltjänstdirektivet har det tillkommit en regel som innebär att</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">betalaren är skyldig att betala de aktuella avgifterna endast om deras</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">fullständiga belopp tillkännagavs innan transaktionen initierades. Enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">betaltjänstlagen får en betalningsmottagare inte ta ut någon avgift av</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td50"><P class="p3 ft3">betalaren</P></TD>
<TD class="tr15 td335"><P class="p27 ft3">vid användning av ett betalningsinstrument (5 kap. 1 §, se</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">artikel 62.5 i andra betaltjänstdirektivet och avsnitt 10). Den nya regeln i</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">andra betaltjänstdirektivet är därför relevant bara för avgifter som tas ut</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">av en betaltjänstleverantör.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p27 ft6">För att genomföra den nya regeln bör det i betaltjänstlagen tas in en</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">bestämmelse av innebörd att betalaren inte är skyldig att betala en avgift</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">vid användning av ett visst betalningsinstrument om betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">tören inte informerar användaren om det sammanlagda avgiftsbeloppet</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">innan transaktionen påbörjas.</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft3"><SPAN class="ft4">Lagrådet </SPAN>anser att regleringen väcker två frågor: dels vem som bär</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">risken för att meddelandet inte kommer fram, dels om det räcker för att</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">informationsförpliktelsen ska anses vara uppfylld att informationen</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">lämnas i ett avtal, exempelvis ett standardavtal, mellan betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">leverantören och betaltjänstanvändaren beträffande framtida använd-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">ningar av ett visst betalningsinstrument.</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p27 ft3">Andra betaltjänstdirektivet anger inte vem som bär risken för att den</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">aktuella informationen inte kommer fram. Några särskilda bestämmelser</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">om den saken finns inte heller i betaltjänstlagen (jfr t.ex. 4 kap. 14 § om</P></TD>
</TR>
<TR>
<TD class="tr20 td134"><P class="p512 ft7">294</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft5">ändringar i ramavtal). Som en generell utgångspunkt inom avtalsrätten</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_295">
<P class="p476 ft3">gäller att avsändaren bär risken för att ett meddelande inte kommer fram Prop. 2017/18:77 (jfr t.ex. prop. 1988/89:76 s. 217). Detta får anses gälla även för den nu</P>
<P class="p656 ft3">aktuella informationen. Regeringen anser inte att det finns skäl att i detta avseende införa en annan ordning.</P>
<P class="p644 ft40">De nu aktuella bestämmelserna rör krav på förhandsinformation om avgifter utöver de krav på information om avgifter som gäller vid avtal om enstaka betalningstransaktioner och vid ingående av ramavtal (jfr 4 kap. 4 och 10 §§ betaltjänstlagen). När det gäller Lagrådets andra fråga kan det därför konstateras att den nu föreslagna regleringen endast har betydelse i den utsträckning informationen inte redan lämnats i ett avtal mellan betaltjänstleverantören och betaltjänstanvändaren.</P>
<TABLE cellpadding=0 cellspacing=0 class="t117">
<TR>
<TD class="tr27 td153"><P class="p510 ft118">14.13</P></TD>
<TD class="tr27 td283"><P class="p3 ft97">Information i samband med valutaväxling</P></TD>
<TD class="tr27 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr41 td284"><P class="p3 ft108"> </P></TD>
<TD class="tr48 td146"><P class="p3 ft131"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td285"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Om valutaväxling erbjuds före påbörjandet av</P></TD>
<TD class="tr28 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft5">en betalningstransaktion i en uttagsautomat, ska information om alla</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td285"><P class="p41 ft5">avgifter samt om den växelkurs som kommer att användas vid trans-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td285"><P class="p41 ft6">aktionen ges och godkännas av betalaren innan en betaltjänst-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td286"><P class="p41 ft3">användare genomför en betalningstransaktion i automaten.</P></TD>
<TD class="tr22 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td93"><P class="p90 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer med regeringens förslag.</P></TD>
<TD class="tr2 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p90 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td153"><P class="p3 ft6">det.</P></TD>
<TD class="tr16 td283"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet ska</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">betalningar göras i den valuta som överenskommits (artikel 59.1). Vidare</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">ska den part som erbjuder valutakonverteringstjänsten informera</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">betalaren om alla avgifter samt den växelkurs som ska användas för</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">betalningstransaktionen, och betalaren ska godkänna valutakonver-</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">teringstjänsten på denna grundval (artikel 59.2).</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p90 ft7">Reglerna överensstämmer till stora delar med dem i första betaltjänst-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">direktivet (artikel 49), som i svensk rätt har genomförts i en bestämmelse</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">i betaltjänstlagen (4 kap. 3 §). Enligt betaltjänstlagen ska, om valuta-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">växling erbjuds före påbörjandet av en betalningstransaktion och på</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">platsen för försäljningen eller av betalningsmottagaren, den som erbjuder</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">denna tjänst informera betalaren om alla avgifter för tjänsten samt om</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">den växelkurs som ska användas. Betalaren ska godkänna valutaväxlings-</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">tjänsten innan betalningstransaktionen genomförs.</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5">I andra betaltjänstdirektivet har det lagts till att information om avgift</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">och växelkurs även ska ges om tjänsten i fråga erbjuds i en uttagsautomat</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">(artikel 59.2 första stycket första meningen). Det kan noteras att rena</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">kontantuttag i uttagsautomater under vissa förutsättningar är undantagna</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">från direktivets tillämpningsområde (artikel 3 o). Kunden ska dock ges</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">information om avgifter, inklusive om växelkurs, enligt vissa regler i</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">direktivet (artikel 3 o). Överväganden i denna del finns i avsnitt 6.3.6.</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p90 ft6">Motsvarande tillägg bör göras i betaltjänstlagen. Om valutaväxling</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">erbjuds före påbörjandet av en betalningstransaktion i en uttagsautomat</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">ska alltså information om alla avgifter samt om den växelkurs som</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">kommer att användas vid transaktionen ges innan en betaltjänstanvändare</P></TD>
<TD class="tr16 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">genomför en transaktion i uttagsautomaten. I enlighet med de uttalanden</P></TD>
<TD class="tr15 td146"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td93"><P class="p3 ft5">som gjordes i förarbetena till betaltjänstlagen bör det vara tillräckligt att</P></TD>
<TD class="tr20 td146"><P class="p17 ft3">295</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_296">
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<P class="p817 ft76">Prop. 2017/18:77 informationen tydligt anges på uttagsautomatens skärm innan uttaget slutförs (jfr prop. 2009/10:220 s. 167).</P>
<P class="p502 ft97"><SPAN class="ft118">14.14</SPAN><SPAN class="ft168">Behandling av personuppgifter</SPAN></P>
<P class="p991 ft93"><SPAN class="ft169">Regeringens bedömning: </SPAN>Reglerna i andra betaltjänstdirektivet om behandling av personuppgifter kräver inte någon lagstiftningsåtgärd.</P>
<TABLE cellpadding=0 cellspacing=0 class="t118">
<TR>
<TD class="tr22 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr22 td301"><P class="p17 ft3"><SPAN class="ft42">Utredningens bedömning </SPAN>överensstämmer med regeringens bedöm-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td337"><P class="p305 ft6">ning.</P></TD>
<TD class="tr16 td227"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6"><SPAN class="ft80">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker bedömningen</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p27 ft6">eller har inget att invända mot den. <SPAN class="ft4">Datainspektionen </SPAN>har inga invänd-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td301"><P class="p27 ft3">ningar mot utredningens bedömning men förutsätter att hänsyn kommer</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">tas till innehållet i dataskyddsförordningen i det fortsatta lagstiftnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">arbetet. Datainspektionen anser vidare att det råder oklarhet kring inspek-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td337"><P class="p305 ft3">tionens tillsynsuppdrag</P></TD>
<TD class="tr15 td227"><P class="p3 ft3">avseende personuppgiftsfrågor och</P></TD>
<TD class="tr15 td65"><P class="p17 ft7">bankers</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6"><NOBR>it-säkerhet</NOBR> (6 kap. respektive det av utredningen föreslagna nya 5 a kap.</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p27 ft6">betaltjänstlagen). Datainspektionen anser att det bör klarläggas i vad mån</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td301"><P class="p17 ft3">den rättsliga regleringen oavsiktligt pekar ut Finansinspektionen som</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">tillsynsmyndighet över personuppgifter och <NOBR>it-säkerhet.</NOBR> Om så är fallet</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">kan det finnas skäl att överväga om tillsynsansvaret i stället bör läggas på</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td301"><P class="p27 ft3">Datainspektionen. <SPAN class="ft4">Finansinspektionen </SPAN>konstaterar att inspektionen i dag</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">anses ha tillsynsansvar för behandling av personuppgifter enligt 6 kap.</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">betaltjänstlagen och att utredningens förslag i detta avseende inte innebär</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td301"><P class="p17 ft3">några ändringar i sak. Inspektionen anser att myndigheten inte bör ha det</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">ansvaret och att Datainspektionen, som har ansvar för tillsyn enligt det</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">personuppgiftsrättsliga regelverket och har lämpligare kompetens, vore</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td338"><P class="p305 ft3">bättre lämpad för uppgiften.</P></TD>
<TD class="tr15 td65"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft80">Skälen för regeringens bedömning: <SPAN class="ft6">Andra betaltjänstdirektivet inne-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">håller vissa regler om dataskydd och behandling av personuppgifter.</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td301"><P class="p17 ft3">Betaltjänstleverantörer och betalningssystem ska under vissa förut-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">sättningar kunna behandla personuppgifter i enlighet med dataskyddsdirek-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">tivet, de nationella bestämmelser som införlivat dataskyddsdirektivet och</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td337"><P class="p305 ft3">Europaparlamentets och</P></TD>
<TD class="tr15 td227"><P class="p3 ft3">rådets förordning (EG) nr 45/2001</P></TD>
<TD class="tr15 td65"><P class="p17 ft3">av den</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">18 december 2000 om skydd för enskilda då gemenskapsinstitutionerna</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">och gemenskapsorganen behandlar personuppgifter och om den fria</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td301"><P class="p17 ft3">rörligheten för sådana uppgifter. Detta ska ske när det är nödvändigt för att</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">säkerställa förebyggande, undersökning och avslöjande av betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">bedrägerier (artikel 94.1). Vidare ska betaltjänstleverantörer endast ha</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td301"><P class="p27 ft3">tillgång till, behandla och bevara sådana personuppgifter som är</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">nödvändiga för att tillhandahålla betaltjänsterna (artikel 94.2). Den senare</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">hanteringen får endast ske efter uttryckligt medgivande från betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td337"><P class="p305 ft3">användaren.</P></TD>
<TD class="tr15 td227"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">Även första betaltjänstdirektivet innehåller regler om behandling av</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">personuppgifter i samband med förebyggande, undersökning och av-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td301"><P class="p27 ft3">slöjande av betalningsbedrägerier (artikel 79). Dessa regler har i svensk</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p27 ft6">rätt genomförts i bestämmelser i betaltjänstlagen (6 kap.). Vid genom-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td301"><P class="p17 ft6">förandet av det direktivet konstaterades att det krävdes en särskild regle-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td301"><P class="p17 ft3">ring för att betaltjänstleverantörer ska ha möjlighet att behandla person-</P></TD>
</TR>
<TR>
<TD class="tr20 td138"><P class="p196 ft7">296</P></TD>
<TD colspan=3 class="tr20 td301"><P class="p27 ft3">uppgifter, eftersom behandling bl.a. skulle innebära behandling av upp-</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_297">
<DIV>
<DIV id="id_1">
<P class="p53 ft64">gifter om misstänkta lagöverträdelser vilket enligt huvudregeln i person- uppgiftslagen inte är tillåtet (prop. 2009/10:220 s. <NOBR>261–265).</NOBR> Regleringen ger bl.a. stöd för att behandla personuppgifter om misstänkta lagöverträd- elser i särskilda register (6 kap. 1 § betaltjänstlagen). Om det är nöd- vändigt för granskningen av betalningstransaktioner får personuppgifter om identitet i betaltjänstanvändares pass eller annan identitetshandling samt unika beteckningar som identifierar en viss person som betaltjänst- användare behandlas (6 kap. 2 §). Register får föras av en betaltjänst- leverantör eller den som har ansvar för ett betalningssystem om det är nödvändigt för granskning av betalningstransaktioner (6 kap. 3 §).</P>
<P class="p825 ft40">Utöver nämnda bestämmelser innehåller betaltjänstlagen även regler om vilka uppgifter ett register får innehålla och om utlämnande av personuppgifter, gallring, rättelse och skadestånd samt tystnadsplikt.</P>
<P class="p604 ft6">Det som har tillkommit i andra betaltjänstdirektivet är regeln om att en betaltjänstleverantör endast ska ha tillgång till, behandla och bevara sådana personuppgifter som är nödvändiga för tillhandahållande av betaltjänsterna, med uttryckligt medgivande från betaltjänstanvändaren (artikel 94.2).</P>
<P class="p604 ft6">Regeringen konstaterar att personuppgiftslagen gäller för betaltjänst- leverantörernas hantering av personuppgifter i samband med att leveran- törerna tillhandhåller sina tjänster. Enligt regeringens bedömning bör det inte krävas några lagstiftningsåtgärder med anledning de nämnda nya reglerna i andra betaltjänstdirektivet utan de tillgodoses genom gällande rätt.</P>
<P class="p208 ft5">Det bör dock nämnas att dataskyddsdirektivet, som har genomförts i svensk rätt genom personuppgiftslagen, i maj 2018 kommer att ersättas av dataskyddsförordningen. Dataskyddsförordningen omfattar i stort sett all behandling av personuppgifter, dvs. sådan behandling som sker i företag, inom myndigheter och av privatpersoner och kommer att innebära förändringar i förhållande till dagens nationella reglering om person- uppgiftsbehandling. Dataskyddsförordningen baseras till stor del på data- skyddsdirektivets struktur och innehåll men innehåller även nyheter. Exempelvis ökar omfattningen av den information som ska lämnas till den registrerade och administrativa sanktionsavgifter införs. Det torde innebära att det behöver göras ändringar i betaltjänstlagen när det gäller bestämmelserna om tillämpningsområde (6 kap. 1 §) samt rättelse och skadestånd (6 kap. 8 §), som i dag hänvisar till personuppgiftslagen. Det är emellertid en fråga som hanteras i ett annat lagstiftningsärende (se lagrådsremissen Ny dataskyddslag som beslutades av regeringen den 21 december 2017).</P>
<P class="p685 ft63">Datainspektionen <SPAN class="ft64">och </SPAN>Finansinspektionen <SPAN class="ft64">anser att det bör övervägas om Datainspektionen i stället för Finansinspektionen är den myndighet som bör ha ansvaret för frågor om personuppgifter och </SPAN><NOBR><SPAN class="ft64">it-säkerhet.</SPAN></NOBR><SPAN class="ft64"> Regeringen konstaterar att Finansinspektionen har tillsyn över att bestämmelserna i betaltjänstlagen följs och att detta inbegriper bl.a. behandling av personuppgifter. Att Finansinspektionen har ett sådant ansvar är inte unikt för betaltjänstområdet. Detsamma gäller även på andra delar av finansmarknadsområdet, se t.ex. penningtvättslagen. Regeringen konstaterar vidare att frågan om uppdelning av tillsyns- ansvaret mellan Finansinspektionen och Datainspektionen inte är en fråga som bör hanteras inom ramen för förevarande lagstiftningsärende.</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">297</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_298">
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<P class="p992 ft97"><SPAN class="ft170">Prop. 2017/18:77 </SPAN>14.15 Information till konsumenter</P>
<P class="p993 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Marknadsföringslagen ska tillämpas om infor- mation inte lämnas i enlighet med de bestämmelser i betaltjänstlagen som</P>
<P class="p601 ft6"><SPAN class="ft6">–</SPAN><SPAN class="ft33">avser informationskrav vid tillhandahållande av betaltjänster och rör valutaväxling eller förhandsinformation som ska lämnas vid en- staka betalningstransaktioner och vid ingående av ramavtal, samt</SPAN></P>
<P class="p564 ft3"><SPAN class="ft3">–</SPAN><SPAN class="ft32">avser information om tjänster och avgifter vid tillhandahållande av betalkonto.</SPAN></P>
<P class="p564 ft6">Betaltjänstleverantörer ska se till att informationsmaterial om konsumenters rättigheter som utarbetats av Europeiska kommissionen görs tillgängligt för betaltjänstanvändare.</P>
<P class="p564 ft6">Regeringen eller den myndighet som regeringen bestämmer ska få meddela föreskrifter om hur betaltjänstleverantörer ska göra det informationsmaterial som kommissionen ska utarbeta tillgängligt för betaltjänstanvändare som är konsumenter.</P>
<P class="p601 ft64"><SPAN class="ft129">Regeringens bedömning: </SPAN>Att betaltjänstleverantörer avgiftsfritt ska tillgängliggöra informationsmaterial om konsumenters rättigheter som utarbetats av kommissionen föranleder inte någon lagstiftningsåtgärd.</P>
<P class="p994 ft3">En skyldighet för Finansinspektionen att tillgängliggöra informa- tionsmaterial om konsumenters rättigheter som utarbetats av kommis- sionen bör införas i föreskrifter på lägre nivå än lag.</P>
<P class="p543 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningen behandlar inte frågan om marknadsföringslagen ska tilläm- pas om viss information inte lämnas. Utredningen föreslår inte att det i lag ska införas en uttrycklig skyldighet för betaltjänstleverantörer att till- handahålla informationsmaterial om konsumenters rättigheter som utarbetats av kommissionen. Utredningen gör inte någon bedömning när det gäller om Finansinspektionen ska vara skyldig att tillgängliggöra sådant informationsmaterial.</P>
<P class="p779 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<TABLE cellpadding=0 cellspacing=0 class="t119">
<TR>
<TD class="tr1 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td301"><P class="p305 ft42">Skälen för regeringens förslag och bedömning</P></TD>
</TR>
<TR>
<TD class="tr20 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td301"><P class="p305 ft4">Hänvisning till marknadsföringslagen</P></TD>
</TR>
<TR>
<TD class="tr24 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td301"><P class="p305 ft7">I samband med genomförandet i svensk rätt av Europaparlamentets och</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft3">rådets direktiv 2014/92/EU av den 23 juli 2014 om jämförbarhet för</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">avgifter som avser betalkonto, byte av betalkonto och tillgång till betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">konto med grundläggande funktioner (betalkontodirektivet), tog</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5"><SPAN class="ft41">Konsumentverket </SPAN>i sitt remissvar upp frågan om det i anslutning till de</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">informationskrav som infördes med anledning av det direktivet även</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">borde tas in en hänvisning till marknadsföringslagen för de fall där denna</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">information inte lämnas. Regeringen ansåg då att det bl.a. med hänsyn</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">till den pågående översynen av betaltjänstlagen inte fanns skäl att i det</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">sammanhanget införa en uttrycklig hänvisning till marknadsföringslagen</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft3">(prop. 2016/17:129 s. 51).</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p432 ft7">En hänvisning till marknadsföringslagen om tillsyn över bestämmelser</P></TD>
</TR>
<TR>
<TD class="tr24 td138"><P class="p196 ft7">298</P></TD>
<TD class="tr24 td301"><P class="p305 ft5">om information så som Konsumentverket föreslår finns i flera lagar på</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_299">
<DIV>
<DIV id="id_1">
<P class="p513 ft64">finansmarknadsområdet (se t.ex. 4 kap. 20 § tredje stycket lagen [2004:46] om värdepappersfonder och 9 kap. 14 § fjärde stycket lagen om värdepappersmarknaden). Genom en sådan hänvisning klargörs att också marknadsföringslagens sanktionssystem (med undantag av <NOBR>29–36</NOBR> §§) kan komma att tillämpas om informationskraven inte följs och att det bidrar till ett starkare konsumentskydd. Regeringen anser mot denna bakgrund att det i betaltjänstlagen bör anges att marknadsförings- lagen gäller vid underlåtenhet att lämna viss information. De informa- tionskrav som bör omfattas avser information vid tillhandahållande av betaltjänster och rör valutaväxling, förhandsinformation som ska lämnas vid enstaka betalningstransaktioner och vid ingående av ramavtal (4 kap. <NOBR>3–6,</NOBR> <NOBR>10–13</NOBR> och 19 §§ betaltjänstlagen), och information om tjänster och avgifter vid tillhandahållande av betalkonto (4 a kap. 5 § samma lag). De aktuella bestämmelserna avser information som får anses vara sådan väsentlig information som konsumenten behöver för att fatta ett välgrundat beslut i fråga om betaltjänsterna (jfr 10 § tredje stycket marknadsföringslagen).</P>
<P class="p760 ft4">Elektronisk broschyr om konsumenters rättigheter</P>
<P class="p866 ft5">Av andra betaltjänstdirektivet följer att kommissionen senast den 13 januari 2018 ska utarbeta en användarvänlig elektronisk broschyr, som på ett tydligt och lättbegripligt sätt ska redogöra för konsumenternas rättigheter enligt direktivet och annan unionsrätt på närliggande områden (artikel 106.1). Vidare ska kommissionen informera medlemsstaterna, europeiska betaltjänstleverantörers sammanslutningar och europeiska konsumentorganisationer om offentliggörandet av broschyren. Kommis- sionen, Eba och de behöriga myndigheterna ska var för sig säkerställa att broschyren görs åtkomlig på ett lättillgängligt sätt på deras webbplatser (artikel 106.2).</P>
<P class="p655 ft70">Betaltjänstleverantörer ska se till att broschyren görs åtkomlig på ett lättillgängligt sätt på deras webbplats, om de har en sådan, och i pappers- form vid deras filialer, hos deras ombud och vid de enheter till vilka deras verksamhet har utkontrakterats (artikel 106.3). Betaltjänstleverantörer får inte ta ut någon avgift av sina kunder för att göra den informationen åt- komlig (artikel 106.4). För personer med funktionsnedsättning ska reg- lerna tillämpas med användning av alternativa medel, som medger att informationen görs åtkomlig i ett tillgängligt format (artikel 106.5).</P>
<P class="p759 ft70">Regeringen konstaterar att vissa av de nu nämnda åtgärderna ska vidtas av kommissionen och således inte ska genomföras av medlemsstaterna (artikel 106.1 och delvis artikel 106.2). När det gäller reglerna om betal- tjänstleverantörers skyldigheter krävs det dock att medlemsstaterna vidtar åtgärder (artikel <NOBR>106.3–106.5).</NOBR> För att genomföra direktivet i denna del bör det dock enligt regeringens uppfattning i betaltjänstlagen anges en uttrycklig skyldighet för betaltjänstleverantörer att tillhandahålla informationsmaterial om konsumenters rättigheter som utarbetats av kommissionen. Det bör även anges i lagen att tillhandahållandet av denna information ska vara avgiftsfri för användarna. Mot bakgrund av de detaljerade krav som anges i direktivet när det gäller betaltjänst- leverantörernas hantering av broschyren framstår det som en lämplig</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">299</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_300">
<DIV id="dimg1">
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</DIV>
<P class="p481 ft76">Prop. 2017/18:77 ordning att regeringen eller den myndighet som regeringen bestämmer får meddela föreskrifter om hur detta ska ske.</P>
<P class="p482 ft3">När det gäller skyldigheten för den behöriga myndigheten att göra informationen tillgänglig (artikel 106.2), kan detta tillgodoses genom föreskrifter på lägre nivå än lag.</P>
<P class="p995 ft37"><SPAN class="ft118">14.16</SPAN><SPAN class="ft171">Lösande av tvister mellan behöriga myndigheter</SPAN></P>
<P class="p996 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Finansinspektionen ska få hänskjuta frågor som rör ett förfarande av en annan behörig myndighet inom EES till Europeiska bankmyndigheten för lösning av tvister i det gränsöver- skridande samarbetet.</P>
<P class="p549 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att det enligt utredningens förslag ska anges uttryckligen i betaltjänstlagen att Finansinspektionen ska avvakta med att meddela beslut i väntan på Ebas avgörande.</P>
<P class="p482 ft6"><SPAN class="ft80">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p486 ft64"><SPAN class="ft129">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet får en behörig myndighet hänskjuta ett ärende till Eba för tvistlösning i vissa situationer (artikel 27.1). Det gäller när en behörig myndighet anser att det gränsöverskridande samarbetet med en behörig myndighet i en annan medlemsstat inte överensstämmer med direktivet. Mer specifikt rör det frågor om samarbete och utbyte av information mellan behöriga myndig- heter eller vissa andra institutioner, ett betalningsinstituts ansökan om utövande av etableringsrätten och friheten att tillhandahålla tjänster i en annan medlemsstat, tillsyn över dessa och behöriga myndigheters åtgär- der vid bristande efterlevnad, inbegripet säkerhetsåtgärder samt behöriga myndigheters motivering och meddelande av åtgärder (artiklarna 26 och <NOBR>28–31).</NOBR> Om en behörig myndighet i en medlemsstat anser att det gräns- överskridande samarbetet med de behöriga myndigheterna i en annan medlemsstat i ett visst ärende som avses här inte överensstämmer med det som gäller enligt direktivet, kan den hänskjuta ärendet till Eba och begära dess bistånd i enlighet med ett förfarande för tvistlösning som brukar benämnas bindande medling. Bindande medling regleras i artikel 19 i Ebaförordningen. I fall där Ebas bistånd har begärts, ska de berörda myndigheterna avvakta med sina beslut i väntan på Ebas av- görande (artikel 27.2 i andra betaltjänstdirektivet).</P>
<P class="p954 ft5">Någon möjlighet för de behöriga myndigheterna att hänskjuta frågor till Eba för bindande medling finns inte i första betaltjänstdirektivet. Mot- svarande möjlighet finns emellertid i flera andra <NOBR>EU-rättsakter</NOBR> på finansmarknadsområdet (se t.ex. artikel 113.3 i kapitaltäckningsdirek- tivet). Reglerna i de <NOBR>EU-rättsakterna</NOBR> har i svensk rätt genomförts på så sätt att det i en bestämmelse i lag anges i vilka fall enligt den berörda rättsakten som Finansinspektionen får hänskjuta frågor till Eba (se t.ex.</P>
<P class="p489 ft3">13 kap. 6 b § lagen om bank- och finansieringsrörelse). De nu aktuella</P>
<P class="p15 ft3">300</P>
</DIV>
<DIV id="page_301">
<DIV id="dimg1">
<INGENBILD zsrc="H50377301x1.jpg/" id="img1">
</DIV>
<P class="p490 ft3">reglerna i andra betaltjänstdirektivet bör genomföras på motsvarande sätt Prop. 2017/18:77 i en bestämmelse i betaltjänstlagen.</P>
<P class="p57 ft5">Utredningen föreslår att det ska anges i betaltjänstlagen att Finans- inspektionen, när inspektionen har hänskjutit en fråga till Eba, ska av- vakta med att meddela beslut i väntan på Ebas avgörande. Det framgår dock inte vilket beslut som ska skjutas upp. I praktiken är det sannolikt när en annan myndighet har hänskjutit en fråga till Eba för att den myndigheten är missnöjd med att Finansinspektionen inte fattar ett visst beslut som det kan bli aktuellt att avvakta. Syftet med regeln om att den behöriga myndigheten ska avvakta med sitt beslut i väntan på Ebas avgörande får anses vara att främja samarbete samt hindra ett illojalt beteende behöriga myndigheter emellan vid gränsöverskridande situa- tioner. I vissa fall kan det dock vara motiverat att fatta ett visst beslut, t.ex. om det skulle lösa tvisten mellan myndigheterna. Mot denna bakgrund anser regeringen att ett agerande från en behörig myndighet inte helt bör uteslutas. Det bör vidare noteras att Finansinspektionen enligt betaltjänstlagen redan i dag är förpliktad att samarbeta med behöriga myndigheter inom EES (8 kap. 4 §). I avsnitt 13.3.6 föreslås att skyldigheten ska gälla även i förhållande till Eba. I detta ligger en lojalitetsplikt. Finansinspektionen ska naturligtvis ta hänsyn till en process som pågår hos Eba och medverka till att andra behöriga myndig- heter kan driva sin verksamhet. Enligt regeringens bedömning är det därför inte nödvändigt med en uttrycklig bestämmelse som förhindrar att Finansinspektionens vidtar åtgärder.</P>
<P class="p881 ft97"><SPAN class="ft118">14.17</SPAN><SPAN class="ft172">Några redovisningsfrågor</SPAN></P>
<P class="p840 ft40"><SPAN class="ft127">Regeringens förslag: </SPAN>Ett europakooperativ som tillhandahåller betal- tjänster ska upprätta årsredovisning och, i förekommande fall, koncernredovisning i enlighet med de bestämmelser i årsredovisnings- lagen som är tillämpliga på ekonomiska föreningar.</P>
<P class="p569 ft3">Bokföringslagen och lagen om utländska filialer m.m. ska ändras så att hänvisningar till betalningsinstitut som omfattas av lagen om årsredovisning i kreditinstitut och värdepappersbolag tas bort.</P>
<P class="p596 ft3"><SPAN class="ft42">Utredningens förslag </SPAN>överensstämmer delvis med regeringens förslag. Utredningen föreslår inte några ändringar i bokföringslagen (1999:1078) och lagen (1992:160) om utländska filialer m.m.</P>
<P class="p12 ft6"><SPAN class="ft80">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p57 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Enligt lagen (2006:595) om europa- kooperativ ska ett europakooperativ upprätta årsredovisning och, i före- kommande fall, koncernredovisning i enlighet med de bestämmelser i årsredovisningslagen (1995:1554) som är tillämpliga på ekonomiska föreningar. Detta gäller dock inte europakooperativ som tillhandahåller betaltjänster (31 § lagen om europakooperativ). I stället anges i betal- tjänstlagen att sådana europakooperativ ska upprätta årsredovisning och, i förekommande fall, koncernredovisning i enlighet med de bestäm- melser i lagen (1995:1559) om årsredovisning i kreditinstitut och värde-</P>
<P class="p790 ft3">301</P>
</DIV>
<DIV id="page_302">
<P class="p811 ft76">Prop. 2017/18:77 pappersbolag som är tillämpliga på betalningsinstitut som drivs i ekonomisk förening (3 kap. 9 § andra stycket betaltjänstlagen).</P>
<P class="p726 ft5">Lagen om årsredovisning i kreditinstitut och värdepappersbolag är enligt sin nuvarande lydelse inte längre tillämplig på betalningsinstitut (se prop. 2010/11:124 s. 32 och 89). Följaktligen bör undantaget i lagen om europakooperativ, liksom hänvisningen i betaltjänstlagen till lagen om årsredovisning i kreditinstitut och värdepappersbolag, utmönstras. Detta innebär att ett europakooperativ som tillhandahåller betaltjänster ska upprätta årsredovisning och, i förekommande fall, koncernredovis- ning i enlighet med de bestämmelser i årsredovisningslagen som är tillämpliga på ekonomiska föreningar.</P>
<P class="p997 ft3">Även i bokföringslagen och lagen om utländska filialer m.m. finns det hänvisningar till betalningsinstitut som omfattas av lagen om årsredo- visning i kreditinstitut och värdepappersbolag. Även dessa hänvisningar bör tas bort.</P>
<TABLE cellpadding=0 cellspacing=0 class="t120">
<TR>
<TD class="tr27 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td153"><P class="p510 ft118">14.18</P></TD>
<TD class="tr27 td283"><P class="p3 ft97">Ändringar i lagen om elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr48 td134"><P class="p3 ft131"> </P></TD>
<TD colspan=2 class="tr41 td284"><P class="p3 ft108"> </P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft7"><SPAN class="ft115">Regeringens förslag: </SPAN>Lagen om elektroniska pengar ska ändras så att</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft7">den överensstämmer med betaltjänstlagen när det gäller bestämmelser</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft3">som är tillämpliga i verksamhet med betaltjänster och som rör</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">anlitande av ombud, anmälningsplikt vid ändring av verksamhet, vilka</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft7">uppgifter som ska lämnas till Finansinspektionen när verksamhet drivs</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">över gränserna och på vilket sätt dessa uppgifter ska överlämnas till</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">behöriga myndigheter i andra länder, skyldighet för utländska företag</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">att lämna uppgifter till Finansinspektionen, utbyte av information</P></TD>
</TR>
<TR>
<TD class="tr15 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td289"><P class="p41 ft5">mellan behöriga myndigheter när aktörer som driver verksamhet över</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft6">gränserna överträtt föreskrifter, registerfrågor samt möjligheten för</P></TD>
</TR>
<TR>
<TD class="tr16 td288"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td289"><P class="p41 ft5">Finansinspektionen att hänskjuta frågor till Europeiska bankmyndig-</P></TD>
</TR>
<TR>
<TD class="tr20 td288"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td339"><P class="p41 ft3">heten.</P></TD>
<TD class="tr28 td340"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr22 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td93"><P class="p90 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">förslag. Utredningens förslag avviker från regeringens förslag genom att</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">utredningen inte föreslår motsvarande undantag som i betaltjänstlagen</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">för kontoinformationstjänster.</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5"><SPAN class="ft78">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot</P></TD>
</TR>
<TR>
<TD class="tr20 td134"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td153"><P class="p3 ft3">det.</P></TD>
<TD class="tr20 td283"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr45 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr45 td93"><P class="p3 ft42">Skälen för regeringens förslag</P></TD>
</TR>
<TR>
<TD class="tr28 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td93"><P class="p3 ft4">Förhållandet mellan andra betaltjänstdirektivet och</P></TD>
</TR>
<TR>
<TD class="tr28 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td93"><P class="p3 ft4"><NOBR>e-penningdirektivet</NOBR></P></TD>
</TR>
<TR>
<TD class="tr20 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft5">I lagen om elektroniska pengar, som i svensk rätt genomför <NOBR>e-penning-</NOBR></P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">direktivet, finns bestämmelser om utgivning av elektroniska pengar samt</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">om institut för elektroniska pengar och registrerade utgivare (se av-</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">snitt 4.3.3).</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p90 ft5">Av andra betaltjänstdirektivet följer att institut för elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">enligt definitionen i <NOBR>e-penningdirektivet</NOBR> och, under vissa förutsättningar,</P></TD>
</TR>
<TR>
<TD class="tr16 td134"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">deras filialer är en kategori av betaltjänstleverantörer (artikel 1.1 b).</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr1 td134"><P class="p512 ft7">302</P></TD>
<TD colspan=2 class="tr20 td93"><P class="p3 ft5">Dessa institut behöver inte tillstånd för att få tillhandahålla betaltjänster</P></TD>
</TR>
<TR>
<TD class="tr14 td153"><P class="p3 ft18"> </P></TD>
<TD class="tr14 td283"><P class="p3 ft18"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_303">
<DIV>
<DIV id="id_1">
<P class="p758 ft3">(artikel 11.1). Dessa regler är oförändrade i förhållande till dem i första betaltjänstdirektivet, som i svensk rätt har genomförts i bestämmelser i betaltjänstlagen (1 kap. 2 § 2 b och 3§).</P>
<P class="p514 ft6">När <NOBR>e-penningdirektivet</NOBR> genomfördes i svensk rätt utgick man i stora delar från de regler som gäller för betalningsinstitut (se prop. 2010/11:124 s. 68). Eftersom vissa regler i första betaltjänstdirektivet dessutom, enligt <NOBR>e-penningdirektivet,</NOBR> är tillämpliga även på elektroniska pengar, blev flera bestämmelser i lagen om elektroniska pengar direkta motsvarigheter till bestämmelser i betaltjänstlagen (se t.ex. samma prop. s. 100 f.).</P>
<P class="p884 ft3">Det är i de allmänna tillsynsreglerna i <NOBR>e-penningdirektivet</NOBR> (artikel 3) som hänvisningar görs till reglerna avseende betaltjänster. Hänvis- ningarna till första betaltjänstdirektivet har genom andra betaltjänst- direktivet ändrats till att i stället avse det direktivet (artikel 111 i andra betaltjänstdirektivet).</P>
<P class="p317 ft4">Uppdragsavtal, anlitande av ombud och verksamhet över gränserna</P>
<P class="p744 ft5">Genom andra betaltjänstdirektivet (artikel 111.1 b) har reglerna i <NOBR>e-penningdirektivet</NOBR> om distribution av elektroniska pengar via fysiska eller juridiska personer som agerar för deras räkning i en annan medlemsstat (artikel 3.4) och tillhandahållande av betaltjänster genom ombud (artikel 3.5) ändrats på så sätt att hänvisningar till regler i första betaltjänstdirektivet ersatts med hänvisningar till motsvarande regler i andra betaltjänstdirektivet (artiklarna 19 och <NOBR>27–31).</NOBR></P>
<P class="p784 ft5">Hänvisningarna innebär att om ett institut för elektroniska pengar distribuerar elektroniska pengar i en annan medlemsstat genom ombud eller filial ska vissa regler i andra betaltjänstdirektivet gälla (artiklarna <NOBR>27–31).</NOBR> Vidare ska, om ett institut för elektroniska pengar vill tillhandahålla betaltjänster genom ombud, de regler i andra betaltjänst- direktivet som gäller information till den behöriga myndigheten gälla (artikel 19). Ändringarna i de aktuella reglerna i andra betaltjänst-</P>
<TABLE cellpadding=0 cellspacing=0 class="t121">
<TR>
<TD class="tr2 td187"><P class="p3 ft3">direktivet jämfört med</P></TD>
<TD class="tr2 td233"><P class="p17 ft3">första betaltjänstdirektivet behandlas i</P></TD>
</TR>
<TR>
<TD class="tr16 td187"><P class="p3 ft5">avsnitten <NOBR>13.1.2–13.1.4</NOBR> och</P></TD>
<TD class="tr16 td233"><P class="p17 ft6"><NOBR>13.2.2–13.2.7.</NOBR> I dessa avsnitt föreslås</P></TD>
</TR>
</TABLE>
<P class="p513 ft5">ändringar i betaltjänstlagen när det gäller bestämmelserna om anlitande av ombud, anmälningsplikt vid ändring av verksamhet, vilka uppgifter som ska lämnas till Finansinspektionen när verksamhet drivs över gränserna och på vilket sätt dessa uppgifter ska överlämnas till behöriga myndigheter i andra länder. Med anledning av de uppdaterade hänvis- ningarna i <NOBR>e-penningdirektivet</NOBR> till andra betaltjänstdirektivet, bör mot- svarande ändringar göras i lagen om elektroniska pengar. I de nämnda avsnitten redogörs närmare för skälen för regeringens förslag.</P>
<P class="p611 ft40">I sammanhanget kan noteras att reglerna i andra betaltjänstdirektivet om centrala kontaktpunkter inte ska tillämpas på institut för elektroniska pengar (artikel 29.4 och 29.5). De reglerna föranleder därför inte några ändringar i lagen om elektroniska pengar.</P>
<P class="p611 ft124">När det gäller uppdragsavtal, anlitande av ombud och verksamhet över gränserna görs i betaltjänstlagen undantag från vissa bestämmelser i den lagen när det gäller kontoinformationstjänster (se avsnitten 7.3.2 och 7.3.3). <SPAN class="ft123">Lagrådet </SPAN>anser att det bör övervägas om det finns skäl att göra motsvarande undantag i lagen om elektroniska pengar.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">303</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_304">
<P class="p498 ft5">Prop. 2017/18:77 Ett institut för elektroniska pengar eller ett företag som har undantagits från tillståndsplikt enligt lagen om elektroniska pengar behöver, som ovan nämnts, inte tillstånd enligt betaltjänstlagen för att tillhandahålla betaltjänster (2 kap. 2 § 2 betaltjänstlagen). Det innebär att ett sådant företag kommer att kunna tillhandahålla kontoinformationstjänster. På samma sätt som ett betalningsinstitut eller en registrerad betaltjänst- leverantör bör ett sådant företag undantas från vissa krav när det gäller kontoinformationstjänster. De krav som är relevanta för dessa företag är kravet att anmäla ett ombud för registrering, att försäkra sig om att ombud som agerar för företagets räkning informerar betaltjänst- användarna om detta förhållande samt att anmäla uppdragsavtal till Finansinspektionen (3 kap. 18 och 29 §§ lagen om elektroniska pengar).</P>
<P class="p487 ft5">Ett företag som har undantagits från tillståndsplikt enligt lagen om elektroniska pengar (registrerad utgivare) har inte rätt att tillhandahålla sina tjänster utomlands. Ändringarna av <NOBR>e-penningdirektivet</NOBR> innebär enligt regeringens bedömning inte att en registrerad utgivare som tillhandahåller kontoinformationstjänster ska kunna göra detta även i ett annat land inom EES. Ett sådant företag måste således ansöka om undan- tag från tillståndsplikt enligt betaltjänstlagen för att kunna tillhandahålla kontoinformationstjänster utomlands. Det innebär att ändringar som motsvarar dem som föreslås i betaltjänstlagen och som avser en registrerad betaltjänstleverantörs tillhandahållande av kontoinformations- tjänster inom EES genom ombud eller filial, inte behöver göras i lagen om elektroniska pengar.</P>
<P class="p998 ft4">Tillsynsfrågor</P>
<P class="p911 ft5">Genom andra betaltjänstdirektivet (artikel 111.1 a) har även reglerna om tillsyn i <NOBR>e-penningdirektivet</NOBR> (artikel 3.1) ändrats på så sätt att hänvis- ningar till regler i första betaltjänstdirektivet ersatts med hänvisningar till motsvarande regler i andra betaltjänstdirektivet (artiklarna 5, <NOBR>11–17,</NOBR> 19.5, 19.6 och <NOBR>20–31).</NOBR> Det innebär att vissa regler i andra betaltjänst- direktivet ska gälla, i tillämpliga delar, för institut för elektroniska pengar. Ändringarna i de aktuella reglerna i andra betaltjänstdirektivet i förhållande till dem i första betaltjänstdirektivet behandlas i avsnitten 13.3.2, <NOBR>13.3.4–13.3.6,</NOBR> 14.3 och 14.16. Där föreslås ändringar i betaltjänstlagen när det gäller skyldighet för utländska företag att lämna uppgifter till Finansinspektionen, utbyte av information mellan behöriga myndigheter när aktörer som driver verksamhet över gränserna överträtt föreskrifter, registerfrågor och möjligheten för Finansinspektionen att hänskjuta tvistefrågor till Eba. Med anledning av ändringarna av de nu aktuella hänvisningarna i <NOBR>e-penningdirektivet,</NOBR> bör motsvarande ändringar göras i lagen om elektroniska pengar.</P>
<P class="p999 ft3">304</P>
</DIV>
<DIV id="page_305">
<DIV id="dimg1">
<INGENBILD zsrc="H50377305x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<DIV id="id_1_1">
<P class="p1000 ft174"><SPAN class="ft31">15</SPAN><SPAN class="ft173">Ikraftträdande- och övergångsbestämmelser</SPAN></P>
<P class="p1001 ft97"><SPAN class="ft118">15.1</SPAN><SPAN class="ft159">Ikraftträdande</SPAN></P>
</DIV>
<DIV id="id_1_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
</DIV>
</DIV>
<DIV id="id_2">
<P class="p1002 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Lagändringarna ska träda i kraft den 1 maj 2018.</P>
<P class="p1003 ft3">Bestämmelserna i betaltjänstlagen om att tredjepartsbetaltjänst- leverantörer och betaltjänstleverantörer som ger ut kortbaserade betalningsinstrument ska identifiera respektive autentisera sig gentemot den kontoförvaltande betaltjänstleverantören, om säker kommunikation och om stark kundautentisering ska träda i kraft den dag som regeringen bestämmer.</P>
<P class="p964 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningen föreslår att lagändringarna ska träda i kraft den 13 januari 2018. Utredningens förslag avviker även från regeringens förslag genom att utredningen inte föreslår att bestämmelserna i betaltjänstlagen om skyldigheten för en tredjepartsbetaltjänstleverantör och en betaltjänstleverantör som ger ut kortbaserade betalningsinstru- ment att identifiera respektive autentisera sig gentemot den konto- förvaltande betaltjänstleverantören ska träda i kraft vid en senare tid- punkt men att bestämmelserna om ansvarsfördelning vid obehöriga transaktioner när stark kundautentisering inte tillämpats ska träda i kraft den dag som regeringen bestämmer.</P>
<P class="p964 ft64"><SPAN class="ft129">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker förslaget eller har inget att invända mot det. <SPAN class="ft63">Svenska Bankföreningen </SPAN>anser att tillämp- ningssvårigheter kommer att uppstå om, som i utredningens förslag, vissa bestämmelser som hör ihop inte träder i kraft samtidigt. Bankföreningen påpekar också att utredningens bedömning när det gäller ikraftträdandet av regeln om ansvarsfördelning vid obehöriga transaktioner i fall där stark kundautentisering inte tillämpats (artikel 74.2 i andra betaltjänst- direktivet) avviker från den tolkning som Eba gör. <SPAN class="ft63">Trustly Group AB </SPAN>påpekar att reglerna i direktivet om att en kontoförvaltande betaltjänst- leverantör ska möjliggöra för bl.a. en leverantör av betalningsinitierings- tjänster att förlita sig på de autentiseringsförfaranden som den konto- förvaltande betaltjänstleverantören tillhandahåller betaltjänstanvändaren (artikel 97.5) ska tillämpas även under övergångsperioden till dess att säkerhetsåtgärderna enligt reglerna om stark kundautentisering ska tillämpas (artikel <NOBR>97.1–97.4).</NOBR></P>
<P class="p1004 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Andra betaltjänstdirektivet ska vara genomfört i medlemsstaterna senast den 13 januari 2018 och de nationella bestämmelser som genomför direktivet ska börja tillämpas samma datum (artikel 115.1 och 115.2). De säkerhetsåtgärder som rör bekräftelse av tillgängliga medel, tillgång till betalkonto i samband med betalningsinitieringstjänster, tillgång till och användning av betalkonto- information i samband med kontoinformationstjänster och stark kund- autentisering (artiklarna <NOBR>65–67</NOBR> och 97) ska dock tillämpas först fr.o.m. 18 månader efter dagen för ikraftträdandet av de tekniska standarder för</P>
<P class="p1005 ft3">305</P>
</DIV>
</DIV>
<DIV id="page_306">
<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD colspan=2 class="tr22 td93"><P class="p3 ft7">stark kundautentisering och gemensamma och säkra öppna kommunika-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">tionsstandarder som ska antas av kommissionen (artikel 115.4). Kommis-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">sionen har antagit dessa tekniska standarder (Commission delegated</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">regulation [EU] supplementing Directive 2015/2366 of the European</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">Parliament and of the Council with regard to regulatory technical</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">standards for strong customer authentication and common and secure</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">open standards of communication). Det är dock ännu oklart när de</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">tekniska standarderna kommer att träda i kraft. Det är därför ännu oklart</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">när de bestämmelser i betaltjänstlagen som i svensk rätt genomför de</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">nämnda reglerna om säkerhetsåtgärder i direktivet bör träda i kraft för att</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">direktivet ska vara genomfört i dessa delar.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft6">Enligt regeringens uppfattning är de säkerhetsåtgärder som avses i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">andra betaltjänstdirektivet skyldigheten för en betaltjänstleverantör som ger</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">ut kortbaserade betalningsinstrument att autentisera sig gentemot den</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">kontoförvaltande betaltjänstleverantören och kommunicera säkert med</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td341"><P class="p3 ft6">denne i enlighet med de nyss</P></TD>
<TD class="tr16 td222"><P class="p17 ft6">nämnda tekniska standarderna</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td341"><P class="p3 ft3">(artikel 65.2 c), skyldigheten för en</P></TD>
<TD class="tr15 td222"><P class="p17 ft7">tredjepartsbetaltjänstleverantör att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">identifiera sig gentemot den kontoförvaltande betaltjänstleverantören och</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">kommunicera säkert med denne i enlighet med dessa tekniska standarder</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">(artiklarna 66.3 d och 67.2 c) och skyldigheten för den kontoförvaltande</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">betaltjänstleverantören att kommunicera säkert med tredjepartsbetaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">leverantören i enlighet med de tekniska standarderna (artiklarna 66.4 a och</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">67.3 a). Även kraven att tillämpa stark kundautentisering (artikel 97)</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">omfattas av de säkerhetsåtgärder som enligt direktivet ska börja tillämpas</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">vid en senare tidpunkt. Till skillnad från utredningen anser regeringen</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">alltså att de bestämmelser i betaltjänstlagen som i svensk rätt genomför</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">kraven i direktivet på en tredjepartsbetaltjänstleverantör och en betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">tjänstleverantör som ger ut kortbaserade betalningsinstrument att</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">identifiera respektive autentisera sig gentemot den kontoförvaltande</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">betaltjänstleverantören bör träda i kraft först 18 månader efter ikraft-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">trädandet av de tekniska standarderna för stark kundautentisering och</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">gemensamma och säkra öppna kommunikationsstandarder.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p17 ft6"><SPAN class="ft4">Trustly Group AB </SPAN>påpekar att reglerna i direktivet om att en konto-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">förvaltande betaltjänstleverantör ska göra det möjligt för bl.a. en leveran-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">tör av betalningsinitieringstjänster att förlita sig på den autentisering som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">den kontoförvaltande betaltjänstleverantören tillhandahåller betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">användaren (artikel 97.5) ska tillämpas även under övergångsperioden till</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft7">dess att säkerhetsåtgärderna enligt reglerna om stark kundautentisering</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">ska tillämpas (artikel <NOBR>97.1–97.4).</NOBR> Som framgår i avsnitt 11.4 föreslår</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">regeringen, till skillnad från utredningen, att det i betaltjänstlagen ska tas</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">in en uttrycklig bestämmelse om att en kontoförvaltande betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">leverantör ska möjliggöra för tredjepartsbetaltjänstleverantörer att förlita</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">sig på den autentisering som den tillhandahåller betaltjänstanvändarna.</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">Regeringen instämmer med Trustly Group att den bestämmelsen bör</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft6">gälla även innan autentiseringsförfarandena överensstämmer med de</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft7">tekniska standarder som ska antas. Bestämmelsen bör därför träda i kraft</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft5">samtidigt som övriga lagändringar. Vidare anser regeringen att direktivet</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">bör tolkas som att de bestämmelser som reglerar ansvarsfördelning för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td93"><P class="p3 ft5">obehöriga transaktioner i fall då stark kundautentisering inte tillämpats</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td93"><P class="p3 ft3">(artikel 74.2) ska tillämpas även innan stark kundautentisering blir</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">306</P></TD>
<TD colspan=2 class="tr28 td93"><P class="p3 ft7">obligatorisk. Den bedömningen skiljer sig från utredningens bedömning,</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_307">
<P class="p617 ft3">men överensstämmer med den tolkning som Eba gör och som <SPAN class="ft4">Svenska </SPAN>Prop. 2017/18:77 <SPAN class="ft4">Bankföreningen </SPAN>hänvisar till (se bl.a. Final Report, Draft Regulatory</P>
<P class="p618 ft5">Technical Standards on Strong Customer Authentication and common and secure communication under Article 98 of Directive 2015/2366 [PSD2] av den 23 februari 2017 [EBA/RTS/2017/2], s. 45).</P>
<P class="p620 ft64">Svenska Bankföreningen påpekar att utredningens förslag skulle inne- bära tillämpningssvårigheter, eftersom vissa bestämmelser hör ihop men enligt det förslaget inte ska träda i kraft samtidigt. Bankföreningen anger som exempel att bestämmelserna om information som en konto- förvaltande betaltjänstleverantör ska lämna till leverantören av en betalningsinitieringstjänst (artikel 66.4 b, se avsnitt 7.2.8) enligt utred- ningens förslag ska börja gälla vid en tidigare tidpunkt än bestämmel- serna om säker kommunikation (artikel 66.3 d och 66.4 a, se av- snitten 7.2.7 och 7.2.8). Föreningen påpekar också att direktivet innebär att den verksamhet som drivs av en betaltjänstleverantör som tillhanda- håller kortbaserade betalningsinstrument ska uppfylla vissa krav, inklusive kravet på säker kommunikation i enlighet med de tekniska standarderna (artikel 65.2). Regeringen anser dock att de bestämmelser i betaltjänstlagen som i svensk rätt genomför direktivet bör träda i kraft i enlighet med det som föreskrivs i direktivet (artikel 115.4). Det framstår som ofrånkomligt att det under perioden från det att merparten av reglerna enligt direktivet ska börja tillämpas till dess att reglerna om säkerhetsåtgärder i enlighet med de tekniska standarderna ska börja tillämpas uppstår frågor om tillämpningen av regelverket. Under den perioden bör det vid tillämpningen tas hänsyn till att förfaranden för autentisering, identifiering och säker kommunikation i enlighet med de tekniska standarderna för stark kundautentisering och gemensamma och säkra öppna kommunikationsstandarder ännu inte finns på plats. Eba har lämnat vissa rekommendationer om tillämpningen av regelverket under övergångsperioden (se Opinion of the European Banking Authority on the transition from PSD1 to PSD2 [EBA/Op/2017/16]).</P>
<P class="p1006 ft64">Det kommer inte att vara möjligt att i svensk rätt genomföra andra betaltjänstdirektivet till den 13 januari 2018. De ändringar i betaltjänst- lagen som föreslås i denna proposition bör därför – med undantag av de bestämmelser som rör säkerhetsåtgärder och som ska träda i kraft senare</P>
<P class="p1007 ft6">– träda i kraft så snart som möjligt. Dessa lagändringar bör träda i kraft den 1 maj 2018. De bestämmelser i den lagen som genomför de ovan nämnda reglerna i direktivet om säkerhetsåtgärder bör träda i kraft den dag som regeringen bestämmer. Avsikten är att de – så som anges i direktivet – ska träda i kraft 18 månader efter det att de ovan nämnda tekniska standarderna trätt i kraft.</P>
<P class="p1008 ft3">De ändringar som föreslås i lagen om utländska filialer m.m., bokföringslagen, lagen om europakooperativ, lagen om elektroniska pengar och lagen om åtgärder mot penningtvätt och finansiering av terrorism bör också träda i kraft den 1 maj 2018.</P>
<P class="p975 ft3">307</P>
</DIV>
<DIV id="page_308">
<DIV id="dimg1">
<INGENBILD zsrc="H50377308x1.jpg/" id="img1">
</DIV>
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">308</P>
</DIV>
<DIV id="id_2">
<P class="p53 ft97"><SPAN class="ft35">15.2</SPAN><SPAN class="ft159">Övergångsbestämmelser</SPAN></P>
<P class="p1009 ft133"><SPAN class="ft42">15.2.1</SPAN><SPAN class="ft132">Betaltjänstleverantörer som driver verksamhet med stöd av gällande reglering</SPAN></P>
<P class="p719 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Den som vid ikraftträdandet av ändringarna i betaltjänstlagen har tillstånd att driva verksamhet som betalningsinstitut ska få fortsätta verksamheten t.o.m. den 1 november 2018. För att fortsätta verksamheten efter det datumet ska det krävas ett nytt tillstånd. Om en ansökan om tillstånd för verksamheten lämnas in före den tidpunkten, ska den berörda personen dock få fortsätta verksamheten till dess att ansökan har prövats slutligt.</P>
<P class="p626 ft6">Den som vid ikraftträdandet av lagändringarna är beviljad undantag från tillståndsplikt (registrerad betaltjänstleverantör) ska få fortsätta verksamheten t.o.m. den 1 maj 2019. För att fortsätta verksamheten efter det datumet ska det krävas att ett nytt undantag beviljas eller tillstånd meddelas. Om en ansökan om tillstånd eller undantag från tillståndsplikt för verksamheten lämnas in före den tidpunkten, ska den berörda personen dock få fortsätta verksamheten till dess att ansökan har prövats slutligt.</P>
<P class="p1010 ft5">Om Finansinspektionen bedömer att förutsättningarna för att med- dela tillstånd eller bevilja undantag är uppfyllda, ska inspektionen meddela tillstånd eller bevilja undantag oavsett om någon ansökan om det gjorts eller inte. Finansinspektionen ska informera den berörda personen innan tillstånd meddelas eller undantag beviljas.</P>
<P class="p680 ft5">Den som vid ikraftträdandet av lagändringarna har tillstånd att som betalningsinstitut tillhandahålla s.k. systemoperatörstjänster ska få fortsätta verksamheten t.o.m. den 1 maj 2020. För att fortsätta verk- samheten efter det datumet ska det krävas ett nytt tillstånd. Om en an- sökan om tillstånd för verksamheten lämnas in före den tidpunkten, ska den berörda personen dock få fortsätta verksamheten till dess att ansökan har prövats slutligt. Om Finansinspektionen finner att den juridiska personen uppfyller kraven i betaltjänstlagen på kapitalbas, ska inspektionen meddela tillstånd att tillhandahålla betaltjänster som avser genomförande av betalningstransaktioner där överföringen av medel inte täcks av ett kreditutrymme. Detta gäller oavsett om någon ansökan om tillstånd gjorts eller inte.</P>
<P class="p880 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att utredningen föreslår att ett den som har tillstånd att driva verksamhet som betalningsinstitut som gäller vid ikraftträdandet ska få fortsätta den verksamheten t.o.m. den 13 juli 2018, den som är beviljad undantag från tillståndsplikt ska få fortsätta den verksamheten t.o.m. den 13 januari 2019 och den som har tillstånd att tillhandahålla s.k. systemoperatörs- tjänster ska få fortsätta den verksamheten t.o.m. 13 januari 2020. Utred- ningens förslag avviker från regeringens förslag även genom att utred- ningen inte föreslår att verksamheten ska få fortsätta till dess att en ansökan prövats slutligt.</P>
<P class="p215 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_309">
<DIV>
<DIV id="id_1">
<P class="p15 ft42">Skälen för regeringens förslag</P>
<P class="p672 ft4">Betalningsinstitut</P>
<P class="p744 ft5">Andra betaltjänstdirektivet innehåller övergångsregler för företag som i dag har tillstånd som betalningsinstitut. Ett betalningsinstitut som senast den 13 januari 2018 har inlett verksamhet i enlighet med den nationella rätt som införlivar första betaltjänstdirektivet ska tillåtas att t.o.m. den 13 juli 2018 fortsätta driva denna verksamhet i enlighet med kraven i det direktivet utan att ansöka om tillstånd enligt andra betaltjänstdirektivet eller iaktta de andra regler som finns i avdelning II i det direktivet (artikel 109.1). Ett sådant betalningsinstitut ska lämna all relevant information till de behöriga myndigheterna så att dessa senast den 13 juli 2018 kan bedöma om institutet uppfyller kraven i avdelning II eller – i annat fall – om auktorisationen bör återkallas eller vilka åtgärder som krävs för att se till att kraven uppfylls. Ett betalningsinstitut som vid de behöriga myndigheternas kontroll uppfyller kraven ska beviljas aukto- risation och föras in i medlemsstatens och Ebas register. Betalnings- institut som inte uppfyller kraven senast den 13 juli 2018, ska förbjudas att tillhandahålla betaltjänster. Medlemsstaterna får besluta att nu aktuella betalningsinstitut automatiskt ska beviljas auktorisation och föras in i medlemsstatens och Ebas register om de behöriga myndigheterna redan har bevis för att kraven i direktivet är uppfyllda (artikel 109.2). De behöriga myndigheterna ska informera det berörda betalningsinstitutet innan det beviljas auktorisation.</P>
<P class="p748 ft64">För de ändringar i betaltjänstlagen som föreslås i denna proposition bör det gälla övergångsbestämmelser som motsvarar dem i direktivet. Över- gångsreglerna i direktivet framstår som något motsägelsefulla på det sättet att de hänvisar till att ett betalningsinstitut som beviljats auktorisation i enlighet med bestämmelser som genomför första betaltjänstdirektivet, efter den angivna övergångsperioden, dels ska beviljas auktorisation om det uppfyller kraven i andra betaltjänstdirektivet, dels att auktorisationen ska återkallas om institutet inte uppfyller de kraven. Reglerna får förstås som att den som har ett tillstånd att driva verksamhet som betalningsinstitut som meddelats med stöd av bestämmelser som genomför första betaltjänst- direktivet, efter en övergångsperiod, behöver ett nytt tillstånd enligt de bestämmelser som genomför andra betaltjänstdirektivet.</P>
<P class="p1011 ft64">De berörda företagen har tillstånd att driva verksamhet som betalnings- institut och står därmed under Finansinspektionens tillsyn. Inspektionen har således redan tillgång till den information om företagen som krävs för att inspektionen ska kunna utöva tillsyn över verksamheten enligt gällande bestämmelser i betaltjänstlagen. Om företagen skulle åläggas att ge in en ny ansökan om tillstånd och samtliga uppgifter som krävs för att de ska beviljas tillstånd skulle detta sannolikt innebära att uppgifter lämnas om sådant som Finansinspektionen redan har kännedom om. Reglerna om när tillstånd ska beviljas för de nu aktuella aktörerna har inte ändrats nämnvärt i förhållande till första betaltjänstdirektivet. Vidare överensstämmer övriga regler i avdelning II i andra betaltjänstdirektivet i många delar med dem i avdelning II i första betaltjänstdirektivet. De ändringar som har gjorts avser främst tillhandahållande av betaltjänster via ombud eller filial (arti- klarna 19 och 28). Att samtliga berörda institut skulle vara tvungna att</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">309</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_310">
<P class="p817 ft76">Prop. 2017/18:77 lämna in en ansökan om tillstånd och samma uppgifter på nytt framstår därför inte som ändamålsenligt.</P>
<P class="p486 ft64">Den övergångsregel i andra betaltjänstdirektivet (artikel 109.2) som tillåter att betalningsinstitut automatiskt meddelas tillstånd bör med hänsyn till det anförda införas i en motsvarande övergångsbestämmelse till betal- tjänstlagen. Det innebär alltså att Finansinspektionen ska bevilja ett före- tag tillstånd att driva verksamhet som betalningsinstitut under förutsättning att inspektionen har tillräcklig information om företaget för att kunna bedöma att kraven är uppfyllda. Om Finansinspektionen finner att förut- sättningarna är uppfyllda, ska inspektionen informera det berörda före- taget innan tillstånd meddelas. Det åligger varje berört företag att se till att nödvändiga tillstånd för verksamheten finns och att, om det är nödvändigt, ge in en ansökan till Finansinspektionen i sådan tid att ett eventuellt beslut att meddela tillstånd kan fattas inom den övergångs- period som enligt förslaget i denna proposition ska gälla enligt över- gångsbestämmelserna till betaltjänstlagen.</P>
<P class="p1012 ft5">Eftersom det redan följer av betaltjänstlagen att det krävs tillstånd eller undantag från tillståndsplikt för att tillhandahålla betaltjänster och att betalningsinstitut ska lämna Finansinspektionen de upplysningar om sin verksamhet som den begär behöver det inte anges i en övergångs- bestämmelse att den som inte beviljas tillstånd inte får tillhandahålla betaltjänster eller att instituten ska lämna de uppgifter som behövs för att inspektionen ska kunna bedöma om förutsättningarna för tillstånd är uppfyllda (se 2 kap. 1 § och 8 kap. 2 §). Det behöver inte heller – utöver i det fall att tillstånd ska meddelas utan föregående ansökan – anges att tillstånd ska meddelas om förutsättningarna för det är uppfyllda.</P>
<P class="p695 ft5">Som framgår i avsnitt 15.1 kommer det inte att vara möjligt att i svensk rätt genomföra andra betaltjänstdirektivet till den 13 januari 2018. Det medför att den övergångsperiod som anges i direktivet (från ikraft- trädandet t.o.m. den 13 juli 2018), efter vilken det krävs ett nytt tillstånd, framstår som alltför kort. Övergångsperioden bör därför, i enlighet med <SPAN class="ft41">Lagrådets </SPAN>synpunkter, förlängas så att det krävs ett nytt tillstånd att driva verksamhet som betalningsinstitut efter den 1 november 2018.</P>
<P class="p501 ft5">Enligt <SPAN class="ft41">Lagrådet </SPAN>framstår det som en tveksam ordning att ett meddelat tillstånd upphör att gälla automatiskt om Finansinspektionen inte beslutar om ett nytt tillstånd under övergångstiden. Lagrådet ifrågasätter mot den bakgrunden om det inte i jämförelse med lagrådsremissens förslag är en mer ändamålsenlig ordning att beviljade tillstånd fortsätter att gälla efter övergångstiden om inte Finansinspektionen beslutar något annat. Enligt Lagrådet kan en alternativ ordning alltså vara att företagen får fortsätta att driva verksamheten till dess att Finansinspektionen har prövat saken och vägrat tillstånd. Såvitt Lagrådet kan bedöma hindrar direktivet inte en sådan övergångslösning. Regeringen anser att övergångsbestäm- melserna bör utformas i enlighet med Lagrådets synpunkter. Den som vid ikraftträdandet har tillstånd att driva verksamhet som betalningsinstitut och som innan övergångsperiodens slut har gett in en ansökan om tillstånd till Finansinspektionen bör därför få fortsätta verksamheten till dess att ansökan har prövats slutligt.</P>
<P class="p760 ft3">310</P>
</DIV>
<DIV id="page_311">
<DIV>
<DIV id="id_1">
<P class="p15 ft4">Registrerade betaltjänstleverantörer</P>
<P class="p744 ft64">Andra betaltjänstdirektivet innehåller även övergångsregler för företag som i dag har beviljats undantag från tillståndsplikt och registrerats som betaltjänstleverantör. Fysiska eller juridiska personer som omfattas av undantag från tillståndsplikt enligt första betaltjänstdirektivet före den 13 januari 2018 och som har drivit betaltjänstverksamhet enligt det direk- tivet ska tillåtas fortsätta driva sin verksamhet i den berörda medlems- staten i enlighet med första betaltjänstdirektivet fram till den 13 januari 2019, utan att behöva ansöka om auktorisation eller medges undantag enligt andra betaltjänstdirektivet eller uppfylla kraven i avdelning II i det direktivet (artikel 109.3). Varje sådan person som inte senast den 13 januari 2019 har auktoriserats eller beviljats undantag enligt andra betaltjänstdirektivet ska förbjudas att tillhandahålla betaltjänster. Med- lemsstaterna får tillåta att fysiska och juridiska personer som omfattas av ett undantag enligt första betaltjänstdirektivet ska anses omfattas av ett undantag även enligt andra betaltjänstdirektivet och automatiskt föras in i de behöriga myndigheternas och Ebas register, om de behöriga myndig- heterna redan har uppgifter som visar att kraven för undantag enligt andra betaltjänstdirektivet är uppfyllda (artikel 109.4). De behöriga myndig- heterna ska informera de berörda betaltjänstleverantörerna innan ett undantag beviljas.</P>
<P class="p1013 ft64">Dessa övergångsregler träffar i Sverige registrerade betaltjänstleveran- törer som beviljats ett undantag från tillståndsplikt enligt betaltjänstlagen (2 kap. 3 §). För de ändringar i betaltjänstlagen som föreslås i denna proposition bör det gälla övergångsbestämmelser som motsvarar dem i direktivet. Övergångsreglerna i andra betaltjänstdirektivet får – på mot- svarande sätt som de för betalningsinstituts tillstånd – förstås som att de kräver att den som har beviljats undantag från tillståndsplikt med stöd av bestämmelser som genomför första betaltjänstdirektivet beviljas ett nytt undantag enligt de bestämmelser som genomför andra betaltjänstdirektivet. Övergångsperioden bör i övergångsbestämmelserna till betaltjänstlagen, i enlighet med <SPAN class="ft63">Lagrådets </SPAN>synpunkter, bestämmas så att nytt tillstånd krävs efter den 1 maj 2019.</P>
<P class="p1014 ft5">För att undvika att registrerade betaltjänstleverantörer behöver förse Finansinspektionen med information som inspektionen redan har, bör den möjlighet som direktivet ger att medge att undantag från tillståndsplikt beviljas automatiskt utnyttjas (artikel 109.4). Finansinspektionen bör således registrera ett företag som registrerad betaltjänstleverantör om inspektionen har tillräcklig information om företaget för att kunna bedöma att kraven för undantag från tillståndsplikt är uppfyllda. Inspektionen ska också informera företaget innan ett nytt undantag från tillståndsplikt beviljas.</P>
<P class="p884 ft3">Eftersom det redan följer av betaltjänstlagen att det krävs tillstånd eller undantag från tillståndsplikt för att tillhandahålla betaltjänster behöver det inte anges i övergångsbestämmelserna att den som inte beviljas undantag inte får tillhandahålla betaltjänster (se 2 kap. 1 §).</P>
<P class="p611 ft124"><SPAN class="ft123">Lagrådet </SPAN>framför samma synpunkter när det gäller verksamhet som drivs av den som vid ikraftträdandet är beviljad undantag från tillstånds- plikt som när det gäller den som vid ikraftträdandet har tillstånd att driva verksamhet som betalningsinstitut (se ovan). Regeringen anser att över-</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">311</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_312">
<P class="p572 ft3">Prop. 2017/18:77 gångsbestämmelserna även i denna del bör utformas i enlighet med Lagrådets synpunkter. Den som vid ikraftträdandet är beviljad ett undan- tag från tillståndsplikt och som innan övergångsperiodens slut har gett in en ansökan om tillstånd eller undantag från tillståndsplikt till Finans- inspektionen bör därför få fortsätta verksamheten till dess att ansökan har prövats slutligt.</P>
<P class="p852 ft4">Systemoperatörstjänster</P>
<P class="p782 ft64">Som behandlas i avsnitt 5.2 finns i andra betaltjänstdirektivet ingen mot- svarighet till den betaltjänst som enligt första betaltjänstdirektivet avser genomförande av betalningstransaktioner där betalaren godkänner transak- tionen med någon form av utrustning för telekommunikation, digital teknik eller informationsteknik och betalningen sker till systemoperatören, som endast fungerar som mellanhand mellan betaltjänstanvändaren och leveran- tören av varorna eller tjänsterna (punkt 7 i bilaga I till första betaltjänst- direktivet). I andra betaltjänstdirektivet finns en särskild övergångsregel för betalningsinstitut som har beviljats tillstånd för denna betaltjänst (artikel 109.5). Ett sådant betalningsinstitut får behålla sitt tillstånd för att tillhandahålla betaltjänster som avser genomförande av betalningstransak- tioner, dock inte när dessa täcks av betaltjänstanvändarens kreditutrymme (se punkt 3 i bilaga I till andra betaltjänstdirektivet och jfr punkt 4 som omfattar transaktioner när medlen täcks av en betaltjänstanvändares kreditutrymme). En förutsättning för detta är att de behöriga myndigheterna senast den 13 januari 2020 har bevis för att kraven på kapitalbas enligt andra betal- tjänstdirektivet är uppfyllda.</P>
<P class="p1012 ft5">I avsnitt 5.2 föreslås att definitionen av den nu aktuella betaltjänsten utmönstras ur betaltjänstlagen (1 kap. 2 § 6). För de betalningsinstitut som beviljats tillstånd för denna typ av betaltjänst bör det därför införas en övergångsbestämmelse som motsvarar den i direktivet. Den i direktivet angivna förutsättningen för att de behöriga myndigheterna senast vid övergångsperiodens slut ska ha bevis för att kraven på kapitalbas är uppfyllda bör i betaltjänstlagen genomföras på så sätt att det efter denna tidpunkt krävs att Finansinspektionen, efter att ha kontrollerat att kapitalbaskraven (3 kap. <NOBR>1–3</NOBR> §§ betaltjänstlagen) är uppfyllda, meddelat tillstånd att tillhandahålla betaltjänster som avser genomförande av betal- ningstransaktioner där överföringen av medel inte täcks av ett kredit- utrymme. Finansinspektionen bör meddela ett sådant tillstånd oavsett om någon ansökan om det gjorts eller inte.</P>
<P class="p487 ft40">Övergångsperioden i övergångsbestämmelserna bör, i enlighet med <SPAN class="ft39">Lagrådets </SPAN>synpunkter, bestämmas så att nytt tillstånd ska krävas efter den 1 maj 2020. I enlighet med Lagrådets synpunkter bör den som vid ikraftträdandet har tillstånd att som betalningsinstitut tillhandahålla systemoperatörstjänster och som under övergångsperioden gett in en ansökan om tillstånd till Finansinspektionen få fortsätta verksamheten till dess att ansökan har prövats slutligt.</P>
<P class="p1015 ft3">312</P>
</DIV>
<DIV id="page_313">
<TABLE cellpadding=0 cellspacing=0 class="t122">
<TR>
<TD class="tr33 td58"><P class="p241 ft42">15.2.2</P></TD>
<TD class="tr33 td342"><P class="p90 ft110">Tredjepartsbetaltjänstleverantörer</P></TD>
<TD class="tr33 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr33 td88"><P class="p31 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr42 td93"><P class="p3 ft114"> </P></TD>
<TD class="tr42 td88"><P class="p3 ft114"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr28 td302"><P class="p41 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Den som vid ikraftträdandet av ändringarna i</P></TD>
<TD class="tr20 td88"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td285"><P class="p41 ft3">betaltjänstlagen driver verksamhet som leverantör av betalnings-</P></TD>
<TD class="tr15 td88"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td285"><P class="p41 ft6">initieringstjänster eller kontoinformationstjänster ska få fortsätta</P></TD>
<TD class="tr16 td88"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td285"><P class="p41 ft5">verksamheten t.o.m. den 1 november 2018. För att fortsätta verksam-</P></TD>
<TD class="tr16 td88"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td285"><P class="p41 ft3">heten efter det datumet ska det krävas tillstånd eller undantag från</P></TD>
<TD class="tr15 td88"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td285"><P class="p41 ft6">tillståndsplikt. Om en ansökan om tillstånd eller undantag från</P></TD>
<TD class="tr16 td88"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td285"><P class="p41 ft6">tillståndsplikt för verksamheten lämnas in före den tidpunkten, ska</P></TD>
<TD class="tr16 td88"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td285"><P class="p41 ft3">den berörda personen dock få fortsätta verksamheten till dess att</P></TD>
<TD class="tr15 td88"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td343"><P class="p41 ft6">ansökan prövats slutligt.</P></TD>
<TD class="tr16 td344"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td88"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td285"><P class="p153 ft6">En kontoförvaltande betaltjänstleverantör som när de tekniska</P></TD>
<TD class="tr16 td88"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td285"><P class="p41 ft3">standarderna för stark kundautentisering och säkra öppna kom-</P></TD>
<TD class="tr15 td88"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td285"><P class="p41 ft6">munikationsstandarder ska börja tillämpas ännu inte uppfyller de</P></TD>
<TD class="tr16 td88"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td285"><P class="p41 ft6">tekniska standarderna ska inte få missbruka det förhållandet för att</P></TD>
<TD class="tr16 td88"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td285"><P class="p41 ft3">blockera eller förhindra användningen av betalningsinitierings- eller</P></TD>
<TD class="tr15 td88"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr24 td345"><P class="p41 ft3">kontoinformationstjänster.</P></TD>
<TD class="tr24 td346"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td88"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr22 td347"><P class="p1016 ft5"><SPAN class="ft78">Utredningens bedömning </SPAN>överensstämmer inte med regeringens för-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td347"><P class="p3 ft6">slag. Enligt utredningens bedömning behövs det inte några övergångs-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td347"><P class="p3 ft3">bestämmelser för verksamhet som drivs av leverantörer av betalnings-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td348"><P class="p3 ft6">initieringstjänster respektive kontoinformationstjänster.</P></TD>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td88"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td347"><P class="p1016 ft5"><SPAN class="ft78">Remissinstanserna: </SPAN>Flertalet remissinstanser tillstyrker bedömningen</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td347"><P class="p3 ft6">eller har inget att invända mot den. <SPAN class="ft4">Trustly Group AB </SPAN>anser att utredning-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr21 td348"><P class="p3 ft23">ens förslag att tredjepartsbetaltjänstleverantörer fr.o.m.</P></TD>
<TD colspan=2 class="tr21 td349"><P class="p1016 ft23">den 13 janu-</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr15 td298"><P class="p3 ft3">ari 2018 ska identifiera sig gentemot den kontoförvaltande betaltjänst-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">leverantören bör kompletteras med ett krav på den kontoförvaltande</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">betaltjänstleverantören att till dess att identifiering ska ske i enlighet med</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">de tekniska standarder som ska antas enligt artikel 98 i andra betaltjänst-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">direktivet acceptera de identifieringsförfaranden som används av tredje-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">partsbetaltjänstleverantörerna. Trustly Group framhåller också att det bör</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">förtydligas att en leverantör av en betalningsinitieringstjänst ska kunna</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">kommunicera med en kontoförvaltande betaltjänstleverantör via existe-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">rande kanaler till dess att de tekniska standarderna faktiskt följs av den</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">kontoförvaltande betaltjänstleverantören.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p90 ft3"><SPAN class="ft42">Skälen för regeringens förslag: </SPAN>Enligt andra betaltjänstdirektivet får</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">en medlemsstat inte förbjuda juridiska personer som i medlemsstaten har</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">drivit verksamhet som leverantörer av betalningsinitieringstjänster och</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">kontoinformationstjänster före den 12 januari 2016 att fortsätta att driva</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">samma verksamhet under övergångsperioden till dess att de bestämmelser</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">som genomför andra betaltjänstdirektivet träder i kraft i enlighet med den nu</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">gällande rättsliga ramen (artikel 115.5). Dessa leverantörer ska alltså ha</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">rätt att fortsätta tillhandahålla sina tjänster i enlighet med de nationella</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">bestämmelser som gällde innan andra betaltjänstdirektivet trädde i kraft</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">(dvs. den 12 januari 2016) till dess att direktivets regler ska vara genom-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">förda i nationell rätt. Vid ikraftträdandet av andra betaltjänstdirektivet var</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">det tillåtet att i Sverige tillhandahålla betalningsinitieringstjänster och</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">kontoinformationstjänster. Det är det även i dag. Direktivet föranleder inte</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">någon lagstiftningsåtgärd i denna del. Som framgår i avsnitt 15.1 föreslås</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">att merparten av de bestämmelser som genomför direktivet ska träda i kraft</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p3 ft5">den 1 maj 2018, medan vissa bestämmelser om säkerhetsåtgärder ska träda</P></TD>
<TD rowspan=2 class="tr51 td78"><P class="p17 ft3">313</P></TD>
</TR>
<TR>
<TD class="tr42 td298"><P class="p3 ft114"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_314">
<TABLE cellpadding=0 cellspacing=0 class="t77">
<TR>
<TD class="tr22 td64"><P class="p424 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p3 ft7">i kraft vid en senare tidpunkt. Det innebär att tredjepartsbetaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">törer fr.o.m. den 1 maj 2018 kommer att omfattas av merparten av de</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">bestämmelser som genomför direktivet. Det gäller bl.a. krav på tillstånd för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">verksamheten. Fr.o.m. en senare tidpunkt kommer de även att omfattas av</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">bestämmelser om säkerhetsåtgärder.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p31 ft7">När de ändringar i betaltjänstlagen som föreslås i denna proposition har</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">trätt i kraft ska leverantörer av betalningsinitieringstjänster och konto-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">informationstjänster, liksom andra betaltjänstleverantörer, följa de bestäm-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">melser i den lagen som genomför andra betaltjänstdirektivet (med undan-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">tag av de bestämmelser som träder i kraft senare, se avsnitt 15.1). Varken</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">den ovan beskrivna regeln eller någon annan regel i andra betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">direktivet anger hur det ska hanteras att tillhandahållande av tredjeparts-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">betaltjänster blir föremål för krav på tillstånd eller beslut om undantag från</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">tillståndsplikt när reglerna i direktivet (med undantag för reglerna om</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">säkerhetsåtgärder) ska börja tillämpas. I avsaknad av övergångs-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">bestämmelser skulle den som i dag tillhandahåller sådana tjänster vara</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">förhindrad att driva den verksamheten fr.o.m. ikraftträdandet till dess att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">Finansinspektionen hunnit behandla en ansökan om tillstånd eller undantag</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">från tillståndsplikt. En sådan ordning kan antas medföra betydande</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">negativa konsekvenser för befintliga aktörer. En sådan ordning kan inte</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">heller anses vara förenlig med direktivets syfte. I direktivet ges leveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">törer av betalningsinitieringstjänster eller kontoinformationstjänster som</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">före den 12 januari 2016 har tillåtits tillhandahålla sina tjänster en</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">uttrycklig rätt att fortsätta verksamheten enligt det då gällande</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">regelverket till dess att de bestämmelser som genomför direktivet ska</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">tillämpas (artikel 115.5). Det kan inte vara meningen att verksamheten</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">därefter ska avbrytas i avvaktan på en prövning av tillstånd enligt de nya</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">bestämmelserna. Hur de tredjepartsbetaltjänstleverantörer som i dag inte</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">är föremål för reglering ska behandlas har också varit föremål för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">diskussion i samband med s.k. genomförandemöten som kommissionen</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">har anordnat. Tjänstemän vid kommissionen har i det sammanhanget</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">uttryckt uppfattningen att tredjepartsbetaltjänstleverantörer som drivit</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">verksamhet före den 12 januari 2016 ska ansöka om tillstånd så snart</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">som möjligt efter det att de bestämmelser som genomför direktivet börjar</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">tillämpas och att de kan fortsätta driva verksamhet till dess att de</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">behöriga myndigheterna har prövat en ansökan om tillstånd. Det har i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">samma sammanhang framförts att tredjepartsbetaltjänstleverantörer som</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">påbörjat sin verksamhet efter det datumet men före den 13 januari 2018</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">endast träffas av nationell reglering under den perioden. Mot denna bak-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">grund anser regeringen att det är lämpligt att införa en övergångsbestäm-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">melse som tar sikte på den vars verksamhet som leverantör av betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">initieringstjänster eller kontoinformationstjänster kräver tillstånd eller</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">undantag från tillståndsplikt när de ändringar i betaltjänstlagen som</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">föreslås i denna proposition träder i kraft. Eftersom sådan verksamhet är</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">oreglerad i Sverige i dag finns det inte skäl att göra någon åtskillnad mellan</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">verksamhet beroende på om den har inletts före eller efter den</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">12 januari 2016. Övergångsbestämmelsen bör utformas på så sätt att den</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">som driver sådan verksamhet får fortsätta denna utan krav på tillstånd</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">eller undantag från tillståndsplikt t.o.m. en viss tidpunkt samt, under</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">förutsättning att en ansökan om tillstånd eller undantag från till-</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">314</P></TD>
<TD class="tr28 td93"><P class="p3 ft5">ståndsplikt lämnas in före den tidpunkten, till dess att ansökan prövats</P></TD>
</TR>
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<P class="p490 ft3">slutligt. I enlighet med <SPAN class="ft4">Lagrådets </SPAN>synpunkter bör tidpunkten bestämmas Prop. 2017/18:77 till den 1 november 2018.</P>
<P class="p57 ft64">Som behandlas i avsnitt 11.4 har leverantörer av betalningsinitierings- tjänster och kontoinformationstjänster rätt att förlita sig på de autentiserings- förfaranden som tillhandahålls av den kontoförvaltande betaltjänst- leverantören (artikel 97.5 i andra betaltjänstdirektivet). Enligt reger- ingens bedömning bör detta gälla såväl innan som efter det att bestäm- melserna om säkerhetsåtgärder träder i kraft (se avsnitt 15.1). Andra betaltjänstdirektivet innehåller emellertid även en särskild övergångsregel enligt vilken medlemsstaterna ska se till att enskilda kontoförvaltande betaltjänstleverantörer, fram till dess att de följer de tekniska standard- erna för stark kundautentisering och gemensamma och säkra öppna kommunikationsstandarder, inte missbrukar den bristande efterlevnaden för att blockera eller hindra användningen av betalningsinitierings- och kontoinformationstjänster för de konton som de förvaltar (artikel 115.6). Av detta följer att leverantörerna av dessa tjänster ska kunna kom- municera med de kontoförvaltande betaltjänstleverantörerna via de kanaler som är tillgängliga i väntan på att de tekniska standarderna följs. Med andra ord, som <SPAN class="ft63">Trustly Group AB </SPAN>framhåller, ska en tredjepartsbetal- tjänstleverantör kunna förlita sig på existerande kanaler till dess att den kontoförvaltande betaltjänstleverantören har börjat tillämpa de tekniska standarderna (se vidare de rekommendationer från Eba som hänvisas till i avsnitt 15.1). Eftersom regeringen, till skillnad från utredningen, gör bedömningen att direktivets krav på identifiering ska börja tillämpas först samtidigt som övriga säkerhetsåtgärder finns det inte – så som Trustly Group efterfrågar – något behov av ett särskilt förtydligande att kontoförvaltande betaltjänstleverantörer i avvaktan på att de tekniska standarderna följs ska acceptera de identifieringsförfaranden som an- vänds av tredjepartsbetaltjänstleverantörerna. Regeringen anser dock att det, för tydlighetens skull, i betaltjänstlagen bör tas in en övergångs- bestämmelse som motsvarar den i direktivet. I enlighet med <SPAN class="ft63">Lagrådets </SPAN>synpunkter bör den endast gälla från det att de tekniska standarderna ska tillämpas.</P>
<P class="p1017 ft110"><SPAN class="ft42">15.2.3</SPAN><SPAN class="ft134">Uppräkningsverksamhet</SPAN></P>
<P class="p989 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Den som vid ikraftträdandet av ändringarna i betaltjänstlagen driver uppräkningsverksamhet ska få fortsätta verk- samheten t.o.m. den 1 november 2018. För att fortsätta verksamheten efter det datumet ska det krävas tillstånd eller undantag från tillstånds- plikt. Om en ansökan om tillstånd eller undantag från tillståndsplikt för verksamheten lämnas in före den tidpunkten, ska den berörda personen dock få fortsätta verksamheten till dess att ansökan prövats slutligt.</P>
<P class="p1018 ft3"><SPAN class="ft42">Utredningen </SPAN>behandlar inte frågan.</P>
<P class="p13 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tar inte upp frågan.</P>
<P class="p1019 ft64"><SPAN class="ft129">Skälen för regeringens förslag: </SPAN>Förslagen i denna proposition innebär att undantaget i betaltjänstlagen för yrkesmässig, fysisk transport av</P>
<P class="p54 ft128">kontanter inte ska omfatta uppräkningsverksamhet (se avsnitt 6.3.2). Det</P>
<P class="p160 ft3">315</P>
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<P class="p498 ft5">Prop. 2017/18:77 innebär att det för att driva sådan verksamhet kommer att krävas tillstånd eller undantag från tillståndsplikt. I avsaknad av övergångsreglering skulle den som i dag driver uppräkningsverksamhet vara förhindrad att fortsätta den verksamheten fr.o.m. ikraftträdandet till dess att Finans- inspektionen prövat en ansökan om tillstånd eller undantag från tillståndsplikt. En sådan ordning kan antas medföra betydande negativa konsekvenser för befintliga aktörer och kontanthanteringen i Sverige. Det bör därför, i enlighet med <SPAN class="ft41">Lagrådets </SPAN>synpunkter, införas övergångs- bestämmelser som medger att befintliga aktörer får fortsätta verksam- heten till dess att en ansökan om tillstånd eller undantag från tillstånds- plikt prövats. Bestämmelserna bör utformas på samma sätt som dem för tredjepartsbetaltjänstleverantörer. Den som vid ikraftträdandet driver uppräkningsverksamhet bör alltså få fortsätta verksamheten utan tillstånd t.o.m. den 1 november 2018 och – under förutsättning att ansökan om tillstånd eller undantag från tillståndsplikt görs före den tidpunkten – till dess att ansökan prövas slutligt.</P>
<P class="p1020 ft110"><SPAN class="ft42">15.2.4</SPAN><SPAN class="ft134">Befintliga avtal</SPAN></P>
<P class="p996 ft3"><SPAN class="ft42">Regeringens förslag: </SPAN>Lagen om obehöriga transaktioner med betalningsinstrument ska gälla i fråga om avtal som ingåtts före ikraftträdandet.</P>
<P class="p601 ft5">Sådana ändringar i ramavtal som syftar till att införa villkor i enlighet med de krav som följer av de nya bestämmelserna ska, oavsett vad som stadgas i avtalet, kunna genomföras genom att betal- tjänstleverantören meddelar betaltjänstanvändaren om ändringarna minst en månad före den dag då de föreslås börja tillämpas. Ändringar som gynnar betaltjänstanvändaren får genomföras utan att denne meddelas i förväg. Om betaltjänstanvändaren inte godkänner de föreslagna ändringarna ska användaren meddela leverantören detta före det datum då ändringen föreslås träda i kraft.</P>
<P class="p1021 ft59"><SPAN class="ft94">Utredningen </SPAN>behandlar inte frågorna. <SPAN class="ft94">Remissinstanserna </SPAN>tar inte upp frågorna.</P>
<P class="p486 ft5"><SPAN class="ft78">Regeringens förslag: </SPAN>Förslagen i denna proposition innebär att lagen om obehöriga transaktioner med betalningsinstrument ska upphöra att gälla och att bestämmelser om obehöriga transaktioner i stället tas in i betaltjänstlagen (se avsnitt 8.2). Som behandlas i avsnitt 8 föreslås även förändringar i regleringen om obehöriga transaktioner. I enlighet med <SPAN class="ft41">Lagrådets </SPAN>synpunkter bör det tas in en övergångsbestämmelse om att lagen om obehöriga transaktioner med betalningsinstrument ska tillämpas i fråga om ingångna avtal om betalningsinstrument. Det innebär att regleringen följer den allmänna principen att ny lag bör tillämpas endast på avtal som ingås efter ikraftträdandet.</P>
<P class="p486 ft64">Som Lagrådet uppmärksammar innebär förslagen i denna proposition nya civilrättsliga bestämmelser som inte på samma sätt som bestäm- melserna om obehöriga transaktioner kan sägas utgå från att det finns ett ingånget avtal utan som i stället bygger på att ett t.ex. ett visst handlande företas (se t.ex. avsnitt 14.12). När det gäller sådana bestämmelser anser</P>
<P class="p489 ft128">regeringen, i linje med det Lagrådet framför, att de inte bör få verkan i</P>
<P class="p15 ft3">316</P>
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<P class="p490 ft3">fråga om åtgärder som gjordes innan ikraftträdandet eller förhållanden Prop. 2017/18:77 som förelåg då och att det inte bör någon övergångsbestämmelse för</P>
<P class="p54 ft3">dessa fall.</P>
<P class="p57 ft5">Lagändringarna innebär förändringar när det gäller de krav som ställs på betaltjänstleverantörer. Detta innebär att befintliga avtal mellan betaltjänstleverantörer och betaltjänstanvändare kan behöva ändras eller kompletteras för att motsvara de nya kraven. Som en allmän utgångs- punkt bör parternas möjlighet att själva komma överens om avtalsvillkor som binder dem inte utan vägande skäl bli föremål för ingripande genom särskild lagstiftning. <SPAN class="ft41">Lagrådet </SPAN>anser att det ändå bör övervägas om det är motiverat med en övergångsregel som tillåter ett särskilt förfarande för ändringar i ramavtal i syfte att uppfylla de nya näringsrättsliga kraven. Lagrådet hänvisar i detta avseende till övergångsbestämmelser av denna innebörd som togs in vid införandet av betaltjänstlagen (punkt 8 i övergångsbestämmelserna till betaltjänstlagen). Bestämmelserna innebär att ändringar i ramavtal som syftar till att införa villkor i enlighet med de nya kraven kan genomföras genom att betaltjänstleverantören meddelar betaltjänstanvändaren minst en månad före den dag då villkoren föreslås börja tillämpas. Vidare får ändringar som gynnar betaltjänstanvändaren genomföras utan att denne meddelas. Denna ordning gäller oavsett vad som stadgas i ramavtalet. Om betaltjänstanvändaren inte godkänner de föreslagna ändringarna ska han eller hon meddela betaltjänstleverantören detta före det datum då ändringarna föreslås träda i kraft (se prop. 2009/10:220 s. <NOBR>313–317).</NOBR></P>
<P class="p370 ft5">Enligt betaltjänstlagen är det möjligt för parterna att komma överens om att ändringar av villkoren i ett ramavtal får ske genom att de föreslagna ändringarna meddelas betaltjänstanvändaren och att denne blir bunden av de föreslagna ändringarna om han eller hon inte innan ändringarna föreslås träda i kraft meddelar leverantören att ändringarna inte accepteras (4 kap. 14 §). Bestämmelserna togs in betaltjänstlagen som en del av genomförandet av första betaltjänstdirektivet (se samma prop. s. 188 f.). I ramavtal som innehåller villkor om ändring på detta sätt kan det alltså finnas ett ändamålsenligt förfarande för ändringar i syfte att ramavtalen ska svara mot de nya krav för betaltjänstleverantörer som föreslås i denna proposition. För sådana ramavtal som inte innehåller villkor om ändring på detta sätt finns det dock – liksom vid införandet av betaltjänstlagen – ett behov av ett särskilt förfarande för att kunna ändra dem så att de motsvarar de krav som följer av de nya bestämmelserna. Vidare finns det även för de nu föreslagna lagändringarna anledning att medge att ändringar i ramavtal som är till betaltjänstanvändarens fördel kan göras utan att denne meddelas i förväg. Det bör således införas övergångsbestämmelser om ett särskilt förfarande för ändringar i ramavtal som motsvarar dem vid införandet av betaltjänstlagen. Dessa bör utformas med förebild i övergångsbestämmelserna till betaltjänst- lagen (se punkten 8).</P>
<P class="p1022 ft3">317</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">318</P>
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<P class="p53 ft110"><SPAN class="ft42">15.2.5</SPAN><SPAN class="ft134">Lagen om elektroniska pengar</SPAN></P>
<P class="p1023 ft6"><SPAN class="ft80">Regeringens förslag: </SPAN>Den som vid ikraftträdandet av ändringarna i lagen om elektroniska pengar har tillstånd att driva verksamhet som institut för elektroniska pengar ska få fortsätta verksamheten t.o.m. den 1 november 2018. För att fortsätta verksamheten efter det datumet ska det krävas ett nytt tillstånd. Om en ansökan om tillstånd för verksamheten lämnas in före den tidpunkten, ska den berörda personen dock få fortsätta verksamheten till dess att ansökan har prövats slutligt.</P>
<P class="p1024 ft3">Om Finansinspektionen bedömer att förutsättningarna för tillstånd är uppfyllda, ska inspektionen meddela tillstånd oavsett om någon ansökan om det gjorts eller inte. Finansinspektionen ska informera den berörda personen innan tillstånd meddelas.</P>
<P class="p530 ft5"><SPAN class="ft78">Utredningens förslag </SPAN>överensstämmer i huvudsak med regeringens förslag. Utredningens förslag avviker från regeringens förslag genom att utredningen föreslår att den som vid ikraftträdandet har ett tillstånd att driva verksamhet som institut för elektroniska pengar som gäller ska få fortsätta den verksamheten till den 13 juli 2018. Utredningens förslag avviker från regeringens förslag även genom att utredningen inte föreslår att verksamheten ska få fortsätta till dess att en ansökan prövats slutligt.</P>
<P class="p289 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker förslaget eller har inget att invända mot det.</P>
<P class="p463 ft5"><SPAN class="ft78">Skälen för regeringens förslag: </SPAN>Genom andra betaltjänstdirektivet (artikel 111.2) har det i <NOBR>e-penningdirektivet</NOBR> (artikel 18) införts en ny övergångsregel som innebär att medlemsstaterna ska tillåta institut för elektroniska pengar som före den 13 januari 2018 har inlett verksamhet i enlighet med <NOBR>e-penningdirektivet</NOBR> och första betaltjänstdirektivet i den medlemsstat där de har sitt säte att fortsätta driva verksamhet i den medlemsstaten eller i en annan medlemsstat. Instituten kan fortsätta med verksamheten till den 13 juli 2018 utan att behöva ansöka om auktorisa- tion enligt <NOBR>e-penningdirektivet</NOBR> eller iaktta övriga regler som fastställs eller anges i avdelning II i det direktivet. Medlemsstaterna ska kräva att sådana institut för elektroniska pengar lämnar all relevant information till de behöriga myndigheterna så att dessa senast den 13 juli 2018 kan bedöma om instituten uppfyller kraven i avdelning II i <NOBR>e-penning-</NOBR> direktivet, och i annat fall vilka åtgärder som krävs för att se till att de uppfylls eller om auktorisationen bör återkallas. Ett institut för elektron- iska pengar som vid de behöriga myndigheternas kontroll uppfyller kraven i avdelning II i <NOBR>e-penningdirektivet</NOBR> ska beviljas auktorisation och tas upp i registret. Om institutet inte uppfyller de kraven senast den 13 juli 2018 ska det förbjudas att ge ut elektroniska pengar.</P>
<P class="p736 ft5">De ändringar i lagen om elektroniska pengar som föreslås i denna proposition bör förenas med övergångsbestämmelser som motsvarar dem i <NOBR>e-penningdirektivet.</NOBR> Övergångsreglerna i direktivet får förstås som att den som har tillstånd att driva verksamhet som institut för elektroniska pengar som meddelats med stöd av bestämmelser som genomför <NOBR>e-penningdirektivet</NOBR> och första betaltjänstdirektivet, efter en övergångs- period, behöver ett nytt tillstånd enligt de bestämmelser som genomför <NOBR>e-penningdirektivet</NOBR> i dess lydelse enligt andra betaltjänstdirektivet.</P>
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<P class="p145 ft64">De berörda företagen har tillstånd att driva verksamhet som institut för elektroniska pengar och står därmed under Finansinspektionens tillsyn. Inspektionen har således redan tillgång till den information om företagen som krävs för att inspektionen ska kunna utöva tillsyn över verksamheten enligt gällande bestämmelser i lagen om elektroniska pengar. Om före- tagen skulle åläggas att ge in en ny ansökan om tillstånd och samtliga uppgifter som krävs för att de ska beviljas tillstånd skulle detta sannolikt innebära att uppgifter lämnas om sådant som Finansinspektionen redan har kännedom om. Kraven för att tillstånd ska beviljas förändras inte nämnvärt genom förslagen i denna proposition (jfr den bedömning som görs i avsnitt 15.2.1 när det gäller betalningsinstitut enligt betal- tjänstlagen). Att de berörda instituten skulle vara tvungna att lämna in en ny ansökan om tillstånd och samma uppgifter på nytt framstår därför inte som ändamålsenligt. För institut för elektroniska pengar finns det inte någon sådan uttrycklig övergångsregel om att tillstånd får meddelas automatiskt som finns för betalningsinstitut (jfr artiklarna 109.2 och 111.2 i andra betaltjänstdirektivet). Även i avsaknad av en sådan regel anser dock regeringen att det bör införas en övergångsbestämmelse om att Finansinspektionen, på samma sätt som för betalningsinstitut, ska bevilja de nu aktuella företagen tillstånd att driva verksamhet som institut för elektroniska pengar under förutsättning att inspektionen har tillräcklig information om företaget för att kunna bedöma att kraven är uppfyllda. Om Finansinspektionen finner att förutsättningarna är uppfyllda, ska inspektionen informera det berörda företaget innan tillstånd meddelas. Det åligger varje berört företag att se till att nödvändiga tillstånd för verk- samheten finns och att, om det är nödvändigt, ge in en ansökan till Finans- inspektionen i sådan tid att ett eventuellt beslut att meddela tillstånd kan fattas inom den i lagen angivna övergångsperioden</P>
<P class="p1025 ft5">Det följer redan av lagen om elektroniska pengar att det krävs tillstånd eller undantag från tillståndsplikt för att ge ut elektroniska pengar och att institut för elektroniska pengar ska lämna Finansinspektionen de upplys- ningar om sin verksamhet som den begär (se 2 kap. 1 § och 5 kap. 2 §). Det behöver därför inte anges i en övergångsbestämmelse att den som inte beviljas tillstånd inte får ge ut elektroniska pengar eller att instituten ska lämna de uppgifter som behövs för att inspektionen ska kunna bedöma om förutsättningarna för tillstånd är uppfyllda. Det behöver inte heller – utöver i det fall att tillstånd ska meddelas utan föregående ansökan – anges att tillstånd ska meddelas om förutsättningarna för det är uppfyllda.</P>
<P class="p605 ft5">Som framgår i avsnitt 15.1 kommer det inte att vara möjligt att i svensk rätt genomföra de ändringar i <NOBR>e-penningdirektivet</NOBR> som har gjorts genom andra betaltjänstdirektivet till den 13 januari 2018. Det medför att den övergångsperiod som anges i direktivet (från ikraftträdandet t.o.m. den 13 juli 2018), efter vilken det krävs ett beslut om fortsatt tillstånd, framstår som alltför kort för att Finansinspektionen ska hinna pröva om nytt tillstånd ska meddelas de juridiska personer som vid ikraftträdandet har tillstånd att driva verksamhet som institut för elektroniska pengar. Övergångsperioden bör därför, i enlighet med <SPAN class="ft41">Lagrådets </SPAN>synpunkter och på samma sätt som föreslås för betalningsinstitut i avsnitt 15.2.1, förlängas så att ett nytt tillstånd att driva verksamhet som institut för elektroniska pengar behövs efter den 1 november 2018.</P>
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<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">319</P>
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<P class="p498 ft40">Prop. 2017/18:77 I enlighet med <SPAN class="ft39">Lagrådets </SPAN>synpunkter bör de övergångsbestämmelser som bör gälla för institut för elektroniska pengar, på motsvarande sätt som de som föreslås för betalningsinstitut, medge att den som vid ikraftträdandet har tillstånd att driva verksamhet som institut för elektroniska pengar och som innan övergångsperiodens slut har gett in en ansökan om tillstånd till Finansinspektionen får fortsätta verksamheten till dess att ansökan har prövats slutligt (se vidare avsnitt 15.2.1).</P>
<P class="p1026 ft133"><SPAN class="ft42">15.2.6</SPAN><SPAN class="ft132">Lagen om europakooperativ och penningtvättslagen</SPAN></P>
<P class="p642 ft42">Regeringens bedömning: <SPAN class="ft3">Det behövs inte några övergångsbestäm- melser till ändringarna i lagen om europakooperativ och penning- tvättslagen.</SPAN></P>
<P class="p598 ft3"><SPAN class="ft42">Utredningens bedömning </SPAN>överensstämmer med regeringens bedöm- ning.</P>
<P class="p482 ft3"><SPAN class="ft42">Remissinstanserna </SPAN>tillstyrker bedömningen eller har inget att invända mot den.</P>
<P class="p486 ft127">Skälen för regeringens bedömning: <SPAN class="ft40">Det finns inget hinder mot att de ändringar i lagen om europakooperativ och penningtvättslagen som föreslås i avsnitten 7.3.2 och 14.17 börjar tillämpas fullt ut när de har trätt i kraft. Därmed behövs det inte några övergångsbestämmelser.</SPAN></P>
<P class="p1027 ft1">16 Förslagens konsekvenser</P>
<P class="p1028 ft97"><SPAN class="ft35">16.1</SPAN><SPAN class="ft159">Förslagens syfte och alternativa lösningar</SPAN></P>
<P class="p1029 ft64">I denna proposition finns förslag till lagändringar som är nödvändiga för att i svensk rätt genomföra andra betaltjänstdirektivet. Det övergripande syftet bakom det direktivet kan sammanfattningsvis sägas vara att skapa bättre förutsättningar för säkra och effektiva betalningar och på så sätt öka skyddet för konsumenterna i samband med betalningstransaktioner. Direktivet är, när det gäller det resultat som ska uppnås, bindande för medlemsstaterna och måste genomföras i nationell rätt. Om så inte sker eller om de till följd av direktivet nödvändiga anpassningarna av gällande rätt inte görs, riskerar Sverige att kommissionen inleder ett förfarande om fördragsbrott. Att avstå från att genomföra direktivet är alltså inte något alternativ. Vidare är direktivet ett s.k. fullharmoniseringsdirektiv, vilket innebär att möjligheten till alternativa lösningar är begränsad. En utgångspunkt för förslagen i propositionen är att dessa inte ska gå längre än vad som är nödvändigt för ett korrekt genomförande (se avsnitt 4.5.1). Det finns dock valmöjligheter i direktivet som regeringen föreslår ska utnyttjas vid genomförandet i svensk rätt. Det gäller det i svensk lag redan gällande förbudet att ta ut tilläggsavgifter vid användning av betalningsinstrument (se avsnitt 10). Vidare gäller det kontohavarens ansvar för obehöriga</P>
<P class="p1030 ft3">transaktioner, där det i denna proposition föreslås att kontohavarens ansvar</P>
<P class="p821 ft3">320</P>
</DIV>
<DIV id="page_321">
<P class="p490 ft3">även i fortsättningen ska vara mindre omfattande än vad som är utgångs- Prop. 2017/18:77 punkten i direktivet (se avsnitt 8.4.4). I propositionen föreslås även att</P>
<P class="p566 ft5">rätten till ett kreditinstituts betalkontotjänster inte bara bör gälla för betalningsinstitut och registrerade betaltjänstleverantörer utan för samtliga betaltjänstleverantörer, dvs. även banker och <NOBR>e-penninginstitut</NOBR> som inte behöver tillstånd som betalningsinstitut (se avsnitt 9.2).</P>
<P class="p174 ft64">Flera remissinstanser har invändningar mot utredningens konsekvens- analys. <SPAN class="ft63">Regelrådet </SPAN>bedömer att konsekvensutredningen är bristfällig när det gäller redovisningen av behov av speciella informationsinsatser, berörda företag utifrån antal och storlek, påverkan på administrativa kostnader, konkurrensförhållanden och i andra avseenden för företag samt särskilda hänsyn till små företag. <SPAN class="ft63">Näringslivets Regelnämnd </SPAN>saknar en analys av de företag som berörs, hur förslagen kan komma att påverka dem och förutsättningarna för dessa på den marknad som de finns på. Nämnden saknar närmare uppskattningar av såväl administrativa som andra kostnader som förslagen medför. <SPAN class="ft63">Företagarna </SPAN>framför att det saknas uppgifter om hur stora de administrativa och övriga kostnaderna kommer att bli med anledning av förslagen samt om särskilda hänsyn till små företag. <SPAN class="ft63">Svenska Bankföreningen </SPAN>anser att konsekvensanalysen är bristfällig och att det inte gjorts någon egentlig analys av hur förslagen kommer att påverka olika områden och aktörer samt hur säkerheten vid betaltjänster, betalningsinitieringstjänster och kontoinformationstjänster förväntas påverkas. Regeringen konstaterar att konsekvenserna till följd av andra betaltjänstdirektivet är av varierande art och berör aktörer på olika sätt. I det följande redogörs för de konsekvenser som regeringen bedömer är de mest centrala.</P>
<P class="p1031 ft97"><SPAN class="ft118">16.2</SPAN><SPAN class="ft159">Berörda företag och andra aktörer</SPAN></P>
<P class="p466 ft64">Tillämpningsområdet för andra betaltjänstdirektivet utökas i förhållande till första betaltjänstdirektivet och med anledning av detta påverkas vissa företag som i dag inte omfattas av tillståndsplikt eller andra krav enligt betaltjänstlagen. De nya aktörer som kommer att omfattas av tillämp- ningsområdet för andra betaltjänstdirektivet är tredjepartsbetaltjänst- leverantörer som tillhandahåller betalningsinitieringstjänster eller konto- informationstjänster. Eftersom det i dagsläget inte krävs något särskilt tillstånd för att tillhandahålla dessa tjänster är det svårt att ange exakt hur många företag som kommer att påverkas av förslagen i denna del. Enligt Finansinspektionens bedömning finns det uppskattningsvis två till fem svenska aktörer som driver verksamhet som består i att tillhandahålla betalningsinitieringstjänster och en till tre svenska aktörer som driver verksamhet som består i att tillhandahålla kontoinformationstjänster. För- slagen innebär att leverantörer av betalningsinitieringstjänster kommer att omfattas av ett krav på tillstånd för att få tillhandahålla sina tjänster. På motsvarande sätt föreslås leverantörer av kontoinformationstjänster om- fattas av ett registreringskrav. Förslagen i denna proposition påverkar även kontoförvaltande betaltjänstleverantörer, eftersom de måste inrätta system för att kommunicera med leverantörer av betalningsinitierings-</P>
<P class="p1032 ft3">tjänster och kontoinformationstjänster. Med kontoförvaltande betaltjänst-</P>
<P class="p667 ft3">321</P>
</DIV>
<DIV id="page_322">
<P class="p498 ft5">Prop. 2017/18:77 leverantör avses en betaltjänstleverantör som tillhandahåller och förvaltar ett betalkonto. Det finns inte något register över kontoförvaltande betal- tjänstleverantörer men de aktörer som i dagsläget har tillstånd att till- handahålla betalkonto är i huvudsak 34 kreditmarknadsbolag, 41 bank- aktiebolag, 2 medlemsbanker, 47 sparbanker, 35 betalningsinstitut, 78 registrerade betaltjänstleverantörer, 6 institut för elektroniska pengar och 1 registrerad utgivare av elektroniska pengar. Finansinspektionen framhåller dock att långt ifrån alla dessa aktörer tillhandahåller betalkonton och de kommer därför inte att påverkas av förslagen.</P>
<P class="p499 ft5">Det utvidgade tillämpningsområdet innebär även att företag som ägnar sig åt s.k. uppräkningsverksamhet omfattas av krav på tillstånd för att få tillhandahålla sina tjänster (se avsnitt 6.3.2). I Sverige finns det två domi- nerande värdebolag vars verksamhet innefattar uppräkningsverksamhet, Nokas Värdehantering AB och Loomis Sverige AB. Dessa företag hämtar sedlar och mynt i form av t.ex. dagskassor hos kunder och ägnar sig därefter åt uppräkningsverksamhet. Uppräkningsverksamheten består i att företagen räknar, äkthetskontrollerar och kvalitetssorterar kontan- terna och sedan – i samarbete med bank – ser till att motsvarande belopp sätts in på av kunden angett konto.</P>
<P class="p779 ft3">Utöver dessa aktörer berörs även Finansinspektionen, Konkurrens- verket, Riksbanken, Sveriges Domstolar och Allmänna reklamations- nämnden.</P>
<P class="p1033 ft97"><SPAN class="ft35">16.3</SPAN><SPAN class="ft159">Konsekvenser för företagen</SPAN></P>
<P class="p608 ft110"><SPAN class="ft42">16.3.1</SPAN><SPAN class="ft134">Inledning</SPAN></P>
<P class="p1034 ft64">I avsnitt 16.3 beskrivs förväntade konsekvenser för företag som enligt förslagen i denna proposition kommer att omfattas av ett tillståndskrav eller krav på registrering. Dessutom behandlas konsekvenserna på grund av krav på hantering av risker och kommunikation samt konsekvenser för de kontoförvaltande betaltjänstleverantörerna. En uppskattning av kostnaderna görs när så är möjligt. Avslutningsvis görs en bedömning av konsekvenser för små företag och påverkan på konkurrensförhållanden.</P>
<P class="p1035 ft138"><SPAN class="ft42">16.3.2</SPAN><SPAN class="ft175">Aktörer som kommer att omfattas av ett tillståndskrav eller krav på registrering</SPAN></P>
<P class="p910 ft64">De företag som driver verksamhet som består i att tillhandahålla betal- ningsinitieringstjänster respektive kontoinformationstjänster agerar i dag på en oreglerad marknad. Förslagen i denna proposition innebär att leverantörer av betalningsinitieringstjänster kommer att omfattas av ett krav på tillstånd för att få tillhandahålla sina tjänster (se avsnitt 7.2.1). Leverantörer av kontoinformationstjänster föreslås omfattas av ett regist- reringskrav (se avsnitt 7.3.1). Förslagen innebär att även värdebolagens uppräkningsverksamhet är en form av betaltjänstverksamhet och att den därför inte längre ska undantas från tillståndskravet i betaltjänstlagen (se avsnitt 6.3.2). De företag som ägnar sig åt uppräkningsverksamhet måste</P>
<P class="p672 ft3">322</P>
</DIV>
<DIV id="page_323">
<DIV>
<DIV id="id_1">
<P class="p729 ft3">därmed ansöka om tillstånd för denna verksamhet. Som <SPAN class="ft4">Säkerhets- branschen </SPAN>framhåller innebär förslagen kostnader för dessa företag.</P>
<P class="p145 ft70">De aktörer som kommer att omfattas av ett tillståndskrav eller ett krav på registrering måste upprätta en ansökan som ska ges in till Finans- inspektionen. Den tid det tar att upprätta en sådan ansökan innebär en administrativ kostnad för företagen. I syfte att uppskatta dessa kostnader har kontakt tagits med Finansinspektionen. Det framkommer att det saknas statistik eller en sammanställning av den arbetstid som dessa företag förväntas lägga ner för att upprätta en ansökan om tillstånd eller ett krav om registrering. Eba har tagit fram riktlinjer (EBA/GL/2017/09) där det anges vilka uppgifter som ska lämnas av den som ansöker om tillstånd. <SPAN class="ft176">Den typ av information som kommer att begäras varierar beroende på verksamheten hos olika typer av betaltjänstleverantörer. Enligt riktlinjerna ska en ansökan bl.a. innehålla en verksamhetsplan, ett bevis på startkapital, u</SPAN>ppgifter för ägar- och ledningsprövning, <SPAN class="ft176">vilka åtgärder som vidtagits för att skydda betaltjänstanvändarnas medel, styrning och internkontrollmekanismer och rutiner för att övervaka, hantera och följa upp säkerhetsincidenter och säkerhetsrelaterade kundklagomål. Regeringen konstaterar att de uppgifter som ska tas fram för en ansökan liknar dem som i dag ska tas fram av företag som </SPAN>ansöker om tillstånd att tillhandahålla betaltjänster som betalningsinstitut enligt betaltjänstlagen (2 kap. 1 §). Förslagen innebär också att de nämnda företagen måste uppfylla betaltjänstlagens rörelsekrav för betalnings- institut respektive för registrerade betaltjänstleverantörer. För leveran- törer av betalningsinitieringstjänster och för de företag som ägnar sig åt uppräkningsverksamhet innebär detta bl.a. att de initialt ska ha ett startkapital som motsvarar minst 50 000 euro och därefter en kapitalbas som inte får understiga startkapitalet (se avsnitt 7.2.2). Förslagen medför således kostnader för dessa aktörer för dels arbetet med att upprätta en ansökan, dels arbetet med att anpassa verksamheten till de rörelsekrav som kommer att gälla för dem.</P>
<P class="p1036 ft6">Företag som ansöker om tillstånd kommer att få betala en ansöknings- avgift till Finansinspektionen. Avgiften för prövning av en ansökan om tillstånd att tillhandahålla betaltjänster är för närvarande 150 000 kronor. Avgiften för prövning av en ansökan om undantag från tillståndsplikt är för juridiska personer för närvarande 90 000 kronor och för fysiska personer 65 000 kronor. Dessutom tar Finansinspektionen ut årliga avgifter. Betalningsinstitut ska för närvarande betala en årlig avgift på 65 000 kronor. Juridiska personer som har medgetts undantag från till- ståndsplikt ska betala 26 000 kronor och fysiska personer 13 000 kronor i årliga avgifter.</P>
<P class="p825 ft64">I detta sammanhang kan nämnas att enligt förslaget i denna proposition omfattas leverantörer av betalningsinitieringstjänster, till skillnad från företag som tillhandahåller andra former av betaltjänster, alltid av ett krav på tillstånd. Undantagen från tillståndsplikten enligt betaltjänstlagen som bl.a. gäller företag som driver betaltjänstverksamhet i mindre omfattning kan således inte bli aktuella för dem. Detta innebär att kostnaden för tillstånd och tillsyn samt övriga finansiella krav på tillståndspliktiga betaltjänstleverantörer kan bli förhållandevis betungande och medföra stora kostnader för mindre företag som tillhandahåller denna typ av tjänst.</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">323</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_324">
<P class="p498 ft5">Prop. 2017/18:77 En ytterligare konsekvens är att företag som tidigare inte stått under tillsyn nu kommer att omfattas av regleringen i penningtvättslagen. Att ha rutiner för att uppfylla de krav som följer av den regleringen innebär en extra kostnad för sådana företag. I 2015 års penningtvättsutrednings betänkande (SOU 2016:8) görs uppskattningar av vilka kostnader det kan förväntas innebära för värdebolagen (s. <NOBR>628–632).</NOBR> Regeringen konsta- terar att det för övriga aktörer är svårt att på förhand uppskatta kost- naderna med anledning av det regelverket.</P>
<P class="p501 ft40">För leverantörer av betalningsinitieringstjänster respektive kontoinfor- mationstjänster kommer det också att gälla ett särskilt krav på ansvars- försäkring (se avsnitt 7.2.2 respektive 7.3.1). Årspremien för en sådan försäkring bestäms av respektive försäkringsföretag och kommer att variera beroende på bl.a. storlek på företaget som utför tjänsterna.</P>
<P class="p987 ft110">16.3.3 Krav på hantering av risker och kommunikation</P>
<TABLE cellpadding=0 cellspacing=0 class="t123">
<TR>
<TD class="tr22 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td301"><P class="p305 ft5">Andra betaltjänstdirektivet innehåller en rad nya regler om hur företag</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">ska hantera olika slags risker i sin verksamhet och i vilka former de ska</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft7">kommunicera med sina kunder (betaltjänstanvändarna) och med varandra i</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">samband med t.ex. en betalningstransaktion.</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p432 ft5">Kontoförvaltande betaltjänstleverantörer ska tillämpa stark kundauten-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">tisering vid kommunikation med betaltjänstanvändaren (se avsnitt 11.4).</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">Denna autentisering ska också tillämpas av leverantörer av betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">initieringstjänster respektive kontoinformationstjänster, varvid de dock ska</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">kunna förlita sig på det förfarande som den kontoförvaltande betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">leverantören förser betaltjänstanvändaren med. De krav som gäller i</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">samband vid tillämpningen av stark kundautentisering framgår av</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">tekniska standarder som antagits av kommissionen. Sannolikt kommer</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">inrättandet av system för att tillämpa denna form av autentisering att</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">innebära kostnader för företagen, och då främst för de kontoförvaltande</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft3">betaltjänstleverantörerna.</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p432 ft5">Betaltjänstleverantörer kommer enligt förslaget i denna proposition att</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">bli skyldiga att inrätta system med lämpliga åtgärder och kontroll-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft3">mekanismer för att hantera operativa risker och säkerhetsrisker (se</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">avsnitt 11.2.1). De ska också vara skyldiga att med visst intervall</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">rapportera till Finansinspektionen om operativa risker och säkerhetsrisker</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">som är förknippade med de betaltjänster som de tillhandahåller och de</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">åtgärder som vidtagits för att hantera riskerna (se avsnitt 11.2.2).</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">Betaltjänstleverantörerna kommer enligt förslaget också att bli ålagda en</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">rapporteringsskyldighet till Finansinspektionen när det gäller allvarliga</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">operativa incidenter och säkerhetsincidenter samt att med vissa intervall</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">rapportera om bedrägerier som har genomförts i samband med använ-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">dandet av olika betalningsinstrument. Inrättandet av ett system av besk-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft6">rivet slag är förenat med kostnader för företagen. Även rapporterings-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">skyldigheten innebär ökade kostnader. Hur stora kostnader det är fråga</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">om är inte möjligt att bedöma. Skyldigheten att rapportera till Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft7">inspektionen riskerar att öka de administrativa kostnaderna för företagen.</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td301"><P class="p305 ft5">Kraven på att inrätta system för hantering av risker och rapporterings-</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td301"><P class="p305 ft5">skyldighet gäller för samtliga betaltjänstleverantörer. Det är emellertid</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr50 td138"><P class="p196 ft7">324</P></TD>
<TD class="tr28 td301"><P class="p305 ft7">sannolikt att dessa kostnader kommer att vara mer kännbara för de mindre</P></TD>
</TR>
<TR>
<TD class="tr44 td301"><P class="p3 ft16"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_325">
<P class="p617 ft3">företagen som är undantagna från tillståndsplikten, än för övriga Prop. 2017/18:77 betaltjänstleverantörer.</P>
<P class="p968 ft6">Utländska företag som driver betaltjänstverksamhet i Sverige från en filial eller genom ombud kommer enligt förslaget att bli skyldiga att lämna de upplysningar om sin verksamhet som Finansinspektionen begär (se avsnitt 13.3.2). Enligt förslaget ska inspektionen få meddela före- skrifter om vilka upplysningar som ska lämnas och när. Finansinspek- tionen kommer också att kunna ålägga betalningsinstitut med huvud- kontor i en annan medlemsstat som driver betaltjänstverksamhet i Sverige genom ombud att utse en central kontaktpunkt här i landet (se avsnitt 13.3.3).</P>
<P class="p1008 ft3">För de utländska företagen kommer således denna rapporterings- skyldighet och i förekommande fall skyldigheten att inrätta en central kontaktpunkt att vara förenade med kostnader. Hur stora dessa kostnader kommer att bli kan inte uppskattas i dag.</P>
<P class="p620 ft64">Sammanfattningsvis kommer de nya krav om hantering av olika risker i företagens verksamhet som föreslås och den rapporteringsskyldighet som följer med detta sannolikt att leda till ökade administrativa kostnader för företagen. Även den reglering som avser krav på stark kundautentisering kommer att leda till ökade kostnader för företagen, eftersom den ställer nya krav på företagens kommunikation med varandra och med sina kunder. I syfte att uppskatta de kostnader som kan uppkomma för de kontoförvaltande betaltjänstleverantörerna har kontakt tagits med Svenska Bankföreningen. Bankföreningen är en branschorganisation som hjälper sina medlemmar i frågor av gemensamt intresse. Medlemmarna utgörs av 29 banker samt finansbolag och bostadsinstitut (hypoteksbolag) som ingår i bankkoncernerna. Även utländska banker som driver verksamhet i Sverige från filial är medlemmar i Bankföreningen. Bankföreningen har tagit kontakt med ett urval av sina medlemmar. Enligt de tillfrågade medlemmarna som haft möjlighet att uppskatta sina kostnader med anledning av de ovan nämnda kraven förväntas en anpassning innebära en kostnad om ca fem miljoner kronor för en genomsnittlig bank. Därtill kommer löpande kostnader (t.ex. personalkostnader) för monitoreringen och rapporteringen. Bankföreningen framför även att de kontoförvaltande betaltjänstleverantörerna kommer att behöva konstruera nya monitorerings- system för att minimera bedrägliga eller felaktiga transaktioner. Kostnaden för detta kan grovt uppskattas till tio miljoner kronor per kontoförvaltande betaltjänstleverantör. Sammantaget kan det innebära investeringar om minst 100 miljoner kronor för de kontoförvaltande betaltjänstleveran- törerna på den svenska marknaden. Ökade kostnader för företagen torde i sin tur leda till att kostnaden för betaltjänstanvändarna kommer att öka, t.ex. i form av ökade avgifter för att få använda sig av företagens tjänster. Mot detta ska dock vägas de effekter av ökad konkurrens som förslaget förväntas innebära (se avsnitt 16.3.6), och som kan ge lägre kostnader för betaltjänstanvändarna.</P>
<P class="p1037 ft3">325</P>
</DIV>
<DIV id="page_326">
<P class="p1038 ft133"><SPAN class="ft177">Prop. 2017/18:77 </SPAN>16.3.4 Konsekvenser för kontoförvaltande betaltjänstleverantörer</P>
<P class="p573 ft64">Förslagen i denna proposition innebär bl.a. att betaltjänstanvändare ska ha rätt att använda sig av betalningsinitieringstjänster och kontoinfor- mationstjänster utan godkännande från sin kontoförvaltande betal- tjänstleverantör. Om en betalningstransaktion från en betaltjänstanvändares konto skulle genomföras obehörigen eller på ett bristfälligt sätt är det den kontoförvaltande betaltjänstleverantören som ska återbetala ett belopp som motsvarar transaktionsbeloppet till betaltjänstanvändaren. Detta gäller även om transaktionen har initierats av en leverantör av betalnings- initieringstjänster. Om det är leverantören av betalningsinitieringstjänster som är ansvarig för den obehöriga eller bristfälligt genomförda betalnings- transaktionen ska denne dock ersätta den kontoförvaltande betaltjänst- leverantören för dessa kostnader. Är leverantörerna oense om vem som är ansvarig för transaktionen i fråga och det leder till att leverantören av betalningsinitieringstjänster vägrar att ersätta den kontoförvaltande betaltjänstleverantören för transaktionen och förluster i samband med den, är den kontoförvaltande betaltjänstleverantören hänvisad till allmän domstol för att försöka få ersättning för kostnaderna. En tvist i allmän domstol är förenad med kostnader för båda parter, som enligt huvud- regeln ska ersättas av den part som förlorar målet. Det är inte möjligt att bedöma hur vanligt förekommande det kan bli att leverantörerna är oense om vem som bär ansvaret i den situation som den beskrivna och att detta leder till en prövning i domstol. Det kan inte heller uteslutas att de olika leverantörerna kommer att avtala om ansvarsfördelningen vid obehöriga eller bristfälligt genomförda transaktioner för att undvika det beskrivna scenariot vilket skulle minska risken för tvister och domstolsprocesser.</P>
<P class="p486 ft64">Förslagen kommer också att medföra kostnader för de kontoförvaltande betaltjänstleverantörerna för att inrätta system som kan kommunicera med leverantörer av betalningsinitieringstjänster och kontoinformations- tjänster. Sådana kostnader kan bl.a. förväntas bestå av <NOBR>licens-,</NOBR> utveck- <NOBR>lings-,</NOBR> <NOBR>drift-,</NOBR> underhålls- och supportkostnader. De kontoförvaltande betaltjänstleverantörerna kommer dessutom att bli tvungna att anpassa sin verksamhet till dessa leverantörers verksamhet, vilket kan innebära att bankernas befintliga system också måste uppgraderas. Även detta är förenat med kostnader. Bankföreningen framhåller att anpassnings- kostnaderna är svåra att uppskatta men att den sammanlagda kostnaden kan förväntas vara <NOBR>30–50</NOBR> miljoner kronor för en genomsnittlig svensk bank. Föreningen har utöver denna bedömning fått uppgifter från en mindre medlemsbank att den totalt har avsatt ca tre miljoner kronor under ett år för investeringar med anledning av andra betaltjänstdirektivet.</P>
<P class="p832 ft40">Vidare kommer det att krävas att de kontoförvaltande betaltjänst- leverantörerna utvecklar system som kan hämta in information, i realtid, från det register som Finansinspektionen ska föra enligt betaltjänstlagen (8 kap. 5 §). Detta behövs för att kunna kontrollera att en leverantör av betalningsinitieringstjänster eller kontoinformationstjänster har tillstånd för sin verksamhet eller är en registrerad betaltjänstleverantör. Även dessa kostnader är svåra att uppskatta.</P>
<P class="p260 ft3">326</P>
</DIV>
<DIV id="page_327">
<TABLE cellpadding=0 cellspacing=0 class="t60">
<TR>
<TD class="tr1 td329"><P class="p3 ft110">16.3.5 Konsekvenser för små företag</P></TD>
<TD class="tr1 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
</TABLE>
<P class="p935 ft3">Det är möjligt att de krav som ställs med anledning av genomförandet i svensk rätt av andra betaltjänstdirektivet kan komma att bli särskilt betungande för små företag med begränsade resurser. Det går inte att utesluta att det nya regelverket och kostnaderna det medför kan få aktörer att ändra inriktning på sin verksamhet. <SPAN class="ft4">Företagarna </SPAN>och <SPAN class="ft4">Näringslivets Regelnämnd </SPAN>framför att det inte finns någon information när det gäller om särskild hänsyn har tagits till små företag när reglerna utformats. Regeringen konstaterar att andra betaltjänstdirektivet inte ger något utrymme att införa mildare krav för små företag. Det är därför inte möjligt att ta särskild hänsyn till små företag vid utformningen av förslagen i denna proposition.</P>
<P class="p1039 ft110"><SPAN class="ft42">16.3.6</SPAN><SPAN class="ft134">Påverkan på konkurrensförhållanden</SPAN></P>
<P class="p1040 ft64"><SPAN class="ft63">Regelrådet </SPAN>bedömer att utredningens konsekvensanalys är bristfällig när det gäller konkurrensförhållandena för berörda företag. <SPAN class="ft63">Svenska Bank- föreningen </SPAN>anser att andra betaltjänstdirektivet kommer att innebära stora och mycket genomgripande förändringar av spelplanen på betalnings- marknaden och anser att det saknas en analys av hur olika områden och aktörer samt hur säkerheten för betaltjänster, betalningsinitieringstjänster och kontoinformationstjänster kommer att påverkas. Regeringen instäm- mer i Bankföreningens bedömning att andra betaltjänstdirektivet kommer att innebära en förändring av spelplanen på betalningsmarknaden. Regeringen konstaterar att det är troligt att förslagen i denna proposition kommer att medföra en ökad konkurrens på marknaden för betaltjänster. Förslagen innebär att bankkunder – både privatkunder och företag – kan låta tredjepartsleverantörer utföra finansiella tjänster åt dem. De kontoförvaltande betaltjänstleverantörerna blir enligt förslagen skyldiga att ge dessa tredjepartsleverantörer åtkomst till sina kunders betalkonton. Det innebär att tredjepartsbetaltjänstleverantörer kan använda bankernas data och infrastruktur som plattform för sina finansiella tjänster. Förslagen i denna proposition kommer därför att förändra värdekedjan för betaltjänster och det kommer att få stor betydelse för vilka affärsmodeller som är lönsamma och vem som har kontakt med kunden. Regeringen konstaterar att förslagen skapar en ökad konkurrens på marknaden för betaltjänster men att det är svårt att på förhand beskriva hur marknaden kommer att utvecklas. I sammanhanget kan noteras att förslagen inte omfattar tredjepartsbetaltjänstleverantörers tillgång till annan information än sådan från betalkonton. Tillgången till annan typ av information kommer således även i fortsättningen vara ett område där det råder avtalsfrihet (se avsnitt 7.3.9).</P>
<P class="p1041 ft3">327</P>
</DIV>
<DIV id="page_328">
<TABLE cellpadding=0 cellspacing=0 class="t124">
<TR>
<TD class="tr33 td214"><P class="p3 ft3">Prop. 2017/18:77 <SPAN class="ft150">16.4</SPAN></P></TD>
<TD class="tr33 td350"><P class="p3 ft35">Konsekvenser för Finansinspektionen,</P></TD>
</TR>
<TR>
<TD class="tr1 td214"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td350"><P class="p3 ft97">Konkurrensverket och Riksbanken</P></TD>
</TR>
</TABLE>
<P class="p1042 ft6">Förslagen i denna proposition kommer att innebära ett utökat tillsyns- ansvar för Finansinspektionen. Flera aktörer som inte står under Finans- inspektionens tillsyn i dag kan förväntas ansöka om tillstånd eller om undantag från tillståndsplikt. Det är dock inte troligt att det rör sig om särskilt många aktörer, varför det sannolikt blir fråga om en marginell ökning av antalet ansökningar.</P>
<P class="p1043 ft5">Finansinspektionen kommer att behöva utöva tillsyn över ett mer omfattande regelverk jämfört med i dag. Omfattningen av tillsynen utvidgas t.ex. när det gäller betalningsinstituts rätt till tillgång till kredit- institutens betalkontotjänster samt utländska företag som driver betal- tjänstverksamhet i Sverige. Vidare kommer inspektionen att behöva med- dela föreskrifter med anledning av den föreslagna regleringen och troligen också allmänna råd vilket innebär en ökad arbetsinsats för myndigheten. Finansinspektionen uppskattar att arbetsuppgifterna motsvarar ytterligare två till tre medarbetare på heltid och utöver detta bedömer myndigheten att det tillkommer kostnader för systemstöd för rapportering om ca en halv miljon kronor per år.</P>
<P class="p1044 ft64">Förslagen i denna proposition innebär att Finansinspektionen ska sam- råda med Konkurrensverket i fråga om tillsyn över betalningsinstituts rätt till tillgång till kreditinstituts betalkontotjänster samt över betaltjänst- leverantörers möjlighet till indirekt tillträde till betalningssystem enligt lagen om system för avveckling av förpliktelser på finansmarknaden, på samma sätt som i dag gäller för tillsynen över tillträde till betalningssystem. Detta kan antas medföra en ökad arbetsinsats även för Konkurrensverket. <SPAN class="ft63">Konkurrensverket </SPAN>framför att samrådsförfarandet förutsätter att det finns personal som är inläst på området när behovet uppstår och uppskattar att det tillkommande resursbehovet motsvarar en halvtidstjänst. Regeringen bedömer att eventuella merkostnader som kan uppstå på grund av detta ryms inom myndighetens befintliga budgetramar.</P>
<P class="p1045 ft3">För Sveriges riksbanks del bedöms förslagen i denna proposition inte medföra någon ökad arbetsinsats eller kostnader.</P>
<TABLE cellpadding=0 cellspacing=0 class="t125">
<TR>
<TD class="tr33 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr33 td197"><P class="p152 ft97">16.5</P></TD>
<TD class="tr33 td351"><P class="p41 ft97">Konsekvenser för domstolarna och Allmänna</P></TD>
</TR>
<TR>
<TD class="tr1 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td197"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td351"><P class="p41 ft97">reklamationsnämnden</P></TD>
</TR>
<TR>
<TD class="tr1 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr1 td129"><P class="p152 ft5">Förslagen i denna proposition ger fler aktörer möjlighet att ansöka om</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td129"><P class="p152 ft5">tillstånd eller registrering för att få tillhandahålla betaltjänster. Förslagen</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td129"><P class="p152 ft7">innebär också att Finansinspektionen kommer att fatta beslut i flera olika</P></TD>
</TR>
<TR>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td129"><P class="p152 ft7">slags ärenden enligt betaltjänstlagen än i dag. Även dessa beslut kommer</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td129"><P class="p152 ft6">att få överklagas till allmän förvaltningsdomstol. Trots att kretsen av</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td129"><P class="p152 ft5">aktörer som kan ansöka om tillstånd att få tillhandahålla betaltjänster</P></TD>
</TR>
<TR>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td129"><P class="p152 ft5">utökas enligt förslagen kan det förutsättas att det är ett begränsat antal</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td129"><P class="p152 ft5">aktörer som är aktuella för att få tillstånd. De ökade kraven på beslut av</P></TD>
</TR>
<TR>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td129"><P class="p152 ft6">Finansinspektionen i olika frågor torde endast medföra en marginell</P></TD>
</TR>
<TR>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td129"><P class="p152 ft3">ökning av antalet mål och ärenden i de allmänna förvaltningsdom-</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr22 td13"><P class="p17 ft7">328</P></TD>
<TD class="tr28 td197"><P class="p152 ft3">stolarna.</P></TD>
<TD class="tr28 td351"><P class="p3 ft3">De nya reglerna när det gäller obehöriga eller bristfälligt</P></TD>
</TR>
<TR>
<TD class="tr43 td197"><P class="p3 ft116"> </P></TD>
<TD class="tr43 td351"><P class="p3 ft116"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_329">
<P class="p490 ft3">genomförda betalningstransaktioner kan leda till att det uppkommer Prop. 2017/18:77 tvister mellan leverantörer av betalningsinitieringstjänster och konto-</P>
<P class="p566 ft64">förvaltande betaltjänstleverantörer om vem som är ansvarig för en transaktion (se avsnitten 7.2.14 och 7.2.15). De nya reglerna bedöms dock inte leda till någon betydande ökning av antalet tvistemål i allmän domstol. <SPAN class="ft63">Förvaltningsrätten i Stockholm </SPAN>påpekar att det saknas en närmare analys av vilka konsekvenser förslagen innebär för de allmänna förvaltningsdomstolarna. Förvaltningsrätten välkomnar en djupare konsekvensanalys i detta avseende och även framöver när det gäller införandet av nya regler på finansmarknadsområdet. <SPAN class="ft63">Allmänna reklama- tionsnämnden </SPAN>(ARN) påpekar att bedrägerierna på internet ökar vilket i sin tur gör att anmälningarna till nämnden blir fler. Nämnden framför även att i takt med att den tekniska utvecklingen går framåt måste det säkerställas att nämnden har tillräcklig teknisk kompetens för att tvisterna ska kunna prövas på ett rättssäkert sätt. Regeringen konstaterar att förslagen bl.a. innebär att fler verksamheter kommer att bli föremål för tillståndsplikt men att de merkostnader som kan bli aktuella ryms inom Sveriges Domstolars och ARN:s befintliga budgetramar. Det bedöms därför inte föreligga något behov av resurstillskott till domstolarna med anledning av förslagen i denna proposition.</P>
<P class="p1046 ft3">De föreslagna reglerna om betaltjänstleverantörens respektive betal- arens ansvar i samband med obehöriga transaktioner med betalnings- instrument innebär en ändring främst av bestämmelserna om självrisk i betaltjänstlagen. <SPAN class="ft4">ARN </SPAN>bedömer att de föreslagna ändringarna, om exempelvis en sänkt självrisk från 1 200 kronor till 400 kronor, inte i sig kommer att öka ARN:s måltillströmning. Regeringen instämmer i den bedömningen och finner att kostnaden för att hantera dessa ärenden ryms inom befintliga budgetramar.</P>
<P class="p664 ft97"><SPAN class="ft118">16.6</SPAN><SPAN class="ft159">Samhällsekonomiska konsekvenser</SPAN></P>
<P class="p466 ft64">Det övergripande syftet bakom andra betaltjänstdirektivet kan samman- fattningsvis sägas vara att skapa bättre förutsättningar för säkra och effektiva betalningar och på så sätt öka skyddet för konsumenterna i samband med betalningstransaktioner. Den nya reglering som föreslås i denna proposition bl.a. när det gäller kommunikation mellan betaltjänst- leverantörerna och betaltjänstanvändarna samt att flera företag än i dag kommer att stå under Finansinspektionens tillsyn kommer att bidra till ökad säkerhet för konsumenter och andra betaltjänstanvändare. Det kan leda till en minskad risk för att betaltjänstanvändare utsätts för t.ex. bedrägeri eller andra former av brott och missbruk i samband med betalningstransaktioner. Förslagen förväntas leda till en förbättrad kon- kurrens och bättre villkor för konsumenterna. Regeringen bedömer att förslagen sammantagna får positiva effekter på samhällsekonomin i stort.</P>
<P class="p370 ft40">Förslagen i denna proposition påverkar värdebolag som bedriver upp- räkningsverksamhet och vars verksamhet innefattar kontanthantering i landet. <SPAN class="ft39">Sveriges riksbank </SPAN>framför att ökade kostnader för värdebolagen samtidigt som kontantanvändningen minskar kan innebära problem för</P>
<P class="p54 ft23">lönsamheten i sådan verksamhet. I förlängningen skulle det kunna leda</P>
<P class="p160 ft3">329</P>
</DIV>
<DIV id="page_330">
<P class="p498 ft5">Prop. 2017/18:77 till att färre aktörer är beredda att tillhandahålla uppräkningstjänster vilket skulle kunna få återverkningar på Sveriges kontantförsörjning. <SPAN class="ft41">Säkerhetsbranschen </SPAN>framför att om kontanthanteringen blir dyrare för butiker blir incitamenten större för dessa att sluta med kontanter. Blir kostnaden för att transportera kontanter i glesbygd dyrare än vad värde- transportföretagen kan ta ut från sina kunder, kommer värdebolagen inte längre att ha möjlighet att transportera kontanter till dessa områden. Regeringen konstaterar att värdebolagens uppräkningsverksamhet fyller en viktig funktion för konsumenterna och samhället och att en väl fungerande kontanthantering är av stort samhällsintresse. Det är dock svårt att på förhand förutse vilka konsekvenser som förslagen kan få för värdebolagen och om kontanthanteringen kommer att påverkas. I sammanhanget kan uppmärksammas att Riksbankens ansvar för kontanthanteringen, kontantförsörjningen och beredskapen i betalnings- systemet ska behandlas i Riksbanksutredningens översyn av det penning- politiska ramverket och riksbankslagen (dir. 2016:114).</P>
<P class="p1047 ft1">17 Författningskommentar</P>
<P class="p1048 ft37"><SPAN class="ft35">17.1</SPAN><SPAN class="ft160">Förslaget till lag om ändring i lagen (2010:751) om betaltjänster</SPAN></P>
<P class="p1049 ft3">Utöver de ändringar som kommenteras nedan föreslås ändringar i 5 kap. 2, 34, 39, 40, 43 och 47 §§ och 8 kap. 22 §. Ändringarna i de para- graferna avser enbart hänvisningar till paragrafer eller punkter i para- grafer som får nya beteckningar eller att hänvisningar tas bort.</P>
<P class="p1050 ft42"><SPAN class="ft42">1</SPAN><SPAN class="ft71">kap.</SPAN></P>
<P class="p1051 ft42"><SPAN class="ft42">1</SPAN><SPAN class="ft71">§</SPAN></P>
<P class="p1052 ft3">Paragrafen genomför artikel 2.1 och 2.2 och delvis artiklarna 1, 2.3 och 2.4 i andra betaltjänstdirektivet.</P>
<P class="p505 ft3">Paragrafen anger lagens tillämpningsområde.</P>
<P class="p482 ft6">Ändringen i <SPAN class="ft4">första stycket </SPAN>innebär att lagen ska tillämpas på betal- tjänster som tillhandahålls i Sverige och utförs inom EES oavsett i vilken valuta som transaktionen genomförs. Enligt nya 1 a § gäller dock vissa bestämmelser inte vid transaktioner i ett tredjelands valuta under vissa förutsättningar och inte heller när antingen betalarens eller betalnings- mottagarens betaltjänstleverantör i en betalningstransaktion hör hemma utanför EES.</P>
<P class="p482 ft6">Paragrafen kompletteras av bestämmelser om när betaltjänster får tillhandahållas i Sverige. I 3 kap. finns bestämmelser om tillståndsplikt och undantag från tillståndsplikt för att tillhandahålla betaltjänster. I 3 kap. 26 § finns bestämmelser om att vissa utländska företag som har tillstånd i sitt hemland inte behöver ha tillstånd i Sverige för att få tillhandahålla betaltjänster här i landet.</P>
<P class="p1053 ft3">Övervägandena finns i avsnitten 6.2.2 och 6.2.3.</P>
<P class="p821 ft3">330</P>
</DIV>
<DIV id="page_331">
<DIV>
<DIV id="id_1">
<P class="p15 ft42">1 a §</P>
<P class="p761 ft3">Paragrafen, som är ny, genomför delvis artikel 2.3 och 2.4 i andra betal- tjänstdirektivet.</P>
<P class="p514 ft6">I paragrafen anges vilka bestämmelser i lagen som inte gäller vid betal- ningstransaktioner inom EES i ett tredjelands valuta eller där betalarens eller betalningsmottagarens betaltjänstleverantör hör hemma utanför EES.</P>
<P class="p611 ft70"><SPAN class="ft81">Första stycket </SPAN>avser betalningstransaktioner i en valuta som inte är en valuta inom EES när både betalarens och betalningsmottagarens betal- tjänstleverantörer, eller den enda betaltjänstleverantören i transaktionen, hör hemma inom EES. Genom ändringen i 1 § omfattas även sådana transaktioner av lagen. Enligt förevarande bestämmelse gäller dock vissa bestämmelser i 4 och 5 kap. inte för sådana transaktioner. De bestäm- melserna motsvarar de regler som undantas enligt artikel 2.3 i direktivet och avser en betaltjänstleverantörs skyldighet att lämna information till betaltjänstanvändaren om genomförandetiden för en betalningstransak- tion innan avtal ingås respektive när en betalningstransaktion utförs (4 kap. 4 § första stycket 2, 10 § 8 och 16 § första stycket 1), avdrag från överförda och mottagna belopp (5 kap. 38 §) och genomförandetid och valuteringsdag (5 kap. <NOBR>39–41</NOBR> §§, 42 § första stycket, 43 och 44 §§).</P>
<P class="p655 ft64"><SPAN class="ft63">Andra stycket </SPAN>avser betalningstransaktioner där antingen betalarens eller betalningsmottagarens betaltjänstleverantör hör hemma utanför EES, s.k. ”one <NOBR>leg”-betalningar.</NOBR> Bestämmelsen är tillämplig oavsett i vilken valuta transaktionen genomförs. Av 1 § följer att lagen gäller för sådana transak- tioner till den del de utförs inom EES. Enligt förevarande bestämmelse gäller dock vissa bestämmelser i 4 och 5 kap. inte för sådana transaktioner. De bestämmelserna motsvarar de regler som undantas enligt artikel 2.4 i direktivet och avser en betaltjänstleverantörs skyldigheter att lämna infor- mation till betaltjänstanvändaren om genomförandetiden för en betal- ningstransaktion innan avtal ingås respektive när en betalningstransak- tion utförs (4 kap. 4 § första stycket 2, 10 § 8 och 16 § första stycket 1) och om villkor för återbetalning av betalningstransaktioner som initierats av eller via betalningsmottagaren (4 kap. 10 § 24), att betalaren och betalningsmottagaren ska betala de avgifter som respektive betaltjänst- leverantör tar ut (5 kap. 1 § andra stycket), återbetalning av betalnings- transaktioner som initierats av eller via betalningsmottagaren (5 kap. <NOBR>28–30</NOBR> §§), avdrag från överförda och mottagna belopp (5 kap. 38 §), genomförandetid för en betalningstransaktion (5 kap. 40 §), ansvar för att betalningstransaktioner genomförs korrekt (5 kap. <NOBR>47–53</NOBR> §§) och rätt till återkrav (5 kap. 55 §).</P>
<P class="p746 ft3"><SPAN class="ft4">Lagrådet </SPAN>anser att det kan ifrågasättas om inte en lämpligare placering av paragrafen är i slutet av kapitlet. Med hänsyn till det nära sambandet med 1 § anser regeringen att placeringen inte bör ändras i förhållande till lagrådsremissens förslag.</P>
<P class="p103 ft3">Övervägandena finns i avsnitten 6.2.3 och 6.2.4.</P>
<P class="p316 ft42">2 §</P>
<P class="p785 ft76">Paragrafen genomför artikel 4.3 och bilaga I till andra betaltjänstdirek- tivet.</P>
<P class="p103 ft3">I paragrafen definieras vad som utgör betaltjänster enligt lagen.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">331</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_332">
<P class="p498 ft5">Prop. 2017/18:77 Paragrafens struktur ändras, efter synpunkter från <SPAN class="ft41">Finansinspektionen</SPAN>, så att den motsvarar uppräkningen av betaltjänster i bilaga I till direk- tivet. Kommissionen ska anta tekniska standarder avseende hanteringen av gränsöverskridande ärenden mellan medlemsstaternas behöriga myndigheter som innebär att den numrering och struktur som följer av bilagan till direktivet ska användas i kommunikation mellan de behöriga myndigheterna. Att beskrivningen av betaltjänster i paragrafen överens- stämmer med den i direktivet kan också underlätta för de företag som vill driva verksamhet i flera länder inom EES. <SPAN class="ft41">Punkterna 1 </SPAN>och <SPAN class="ft41">2 </SPAN>motsvarar nuvarande punkt 1. <SPAN class="ft41">Punkterna 3 </SPAN>och <SPAN class="ft41">4 </SPAN>motsvarar nuvarande punkt 2. <SPAN class="ft41">Punkt 5 </SPAN>motsvarar nuvarande punkterna 3 och 4 och <SPAN class="ft41">punkt 6 </SPAN>motsvarar nuvarande punkt 5. Denna omstrukturering innebär inte någon ändring i sak.</P>
<P class="p1054 ft41"><SPAN class="ft5">I</SPAN><SPAN class="ft178">punkterna 1 </SPAN><SPAN class="ft5">och </SPAN>2 <SPAN class="ft5">ersätts uttrycket </SPAN>transaktioner <SPAN class="ft5">med </SPAN>åtgärder<SPAN class="ft5">. Det senare uttrycket har en något vidare innebörd och innefattar även andra åtgärder som krävs för förvaltning av kontot än just transaktioner, t.ex. öppnande och avslutande av ett konto samt uttag av en avgift från konto- innehavaren. Övriga ändringar är endast språkliga.</SPAN></P>
<P class="p1055 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft179">punkt 3 </SPAN>görs, efter synpunkter från <SPAN class="ft4">Finansinspektionen</SPAN>, ett förtyd- ligande om att det som avses är betalningstransaktioner på ett betalkonto. Det innebär inte någon ändring i sak.</P>
<P class="p1056 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft52">punkt 5 </SPAN>ersätts uttrycket <SPAN class="ft4">utfärdande </SPAN>med <SPAN class="ft4">utgivning</SPAN>. Det innebär inte någon ändring i sak.</P>
<P class="p482 ft6">Genom <SPAN class="ft4">punkterna 7 </SPAN>och <SPAN class="ft4">8</SPAN>, som är nya, tillkommer ytterligare två betal- tjänster: betalningsinitieringstjänster och kontoinformationstjänster. Dessa tjänster definieras i 4 §.</P>
<P class="p482 ft3">De tjänster som omfattas av nuvarande lydelse av punkt 6, som utgår, omfattas i stället av någon av punkterna <NOBR>1–5,</NOBR> beroende på betalnings- transaktionens karaktär i det enskilda fallet.</P>
<P class="p1057 ft3">Övervägandena finns i avsnitt 5.2.</P>
<P class="p998 ft42">3 §</P>
<P class="p1058 ft76">Paragrafen genomför delvis artikel 1 och artikel 4.11 i andra betaltjänst- direktivet.</P>
<P class="p482 ft6">I paragrafen definieras vad som avses med betaltjänstleverantörer i lagen.</P>
<P class="p486 ft6"><SPAN class="ft4">Punkt 1 </SPAN>ändras med anledning av att det i 4 § införs en definition av kreditinstitut (se avsnitt 5.3.13). Den definitionen utgörs av en hänvis- ning till definitionen i lagen om bank- och finansieringsrörelse (1 kap. 5 § 10) som i sin tur definierar kreditinstitut som banker och kredit- marknadsföretag. Detta innebär således inte någon ändring i sak.</P>
<P class="p482 ft6">I <SPAN class="ft4">punkt 5 </SPAN>införs en hänvisning till andra betaltjänstdirektivet i stället för första betaltjänstdirektivet. Av definitionen i 4 § följer att hänvisningen till <NOBR>EU-direktivet</NOBR> är utformad på så sätt att den avser direktivet i den ursprungliga lydelsen, s.k. statisk hänvisning. Det görs även en språklig justering.</P>
<P class="p787 ft3"><SPAN class="ft4">Punkt 8 </SPAN>ändras med anledning av att det i 4 § införs definitioner av kreditinstitut och utländskt kreditinstitut (se avsnitten 5.3.13 och 5.3.14). Detta innebär inte heller någon ändring i sak.</P>
<P class="p45 ft3">332</P>
</DIV>
<DIV id="page_333">
<DIV>
<DIV id="id_1">
<P class="p514 ft3">Av <SPAN class="ft4">punkt 9</SPAN>, som är ny, följer att även filialer till institut för elektron- iska pengar från länder utanför EES är betaltjänstleverantörer.</P>
<P class="p103 ft3">Övervägandena finns i avsnitt 6.1.2.</P>
<P class="p794 ft42">4 §</P>
<P class="p802 ft76">Paragrafen genomför delvis artikel 4 i andra betaltjänstdirektivet och artiklarna 2, 15, 16.1 och 16.2 i betalkontodirektivet.</P>
<P class="p514 ft6">I paragrafen finns definitioner av termer och utryck som används i lagen.</P>
<P class="p611 ft5">Det införs tretton nya definitioner som alla har motsvarigheter i andra betaltjänstdirektivet. Definitionerna av <SPAN class="ft41">autentisering </SPAN>(artikel 4.29), <SPAN class="ft41">betal- ningsinitieringstjänst </SPAN>(artikel 4.15), <SPAN class="ft41">elektroniskt kommunikationsnät </SPAN>(artikel 4.41), <SPAN class="ft41">elektronisk kommunikationstjänst </SPAN>(artikel 4.42), <SPAN class="ft41">konto- förvaltande betaltjänstleverantör </SPAN>(artikel 4.17), <SPAN class="ft41">kontoinformationstjänst </SPAN>(artikel 4.16), <SPAN class="ft41">känslig betalningsuppgift </SPAN>(artikel 4.32), <SPAN class="ft41">stark kund- autentisering </SPAN>(artikel 4.30) och <SPAN class="ft41">utgivning av betalningsinstrument</SPAN></P>
<P class="p1059 ft40">(artikel 4.45) överensstämmer med motsvarande definitioner i direktivet. Definitionen av <SPAN class="ft39">inlösen av transaktionsbelopp </SPAN>motsvaras av uttrycket</P>
<P class="p1059 ft40">inlösen av betalningstransaktioner i direktivet (artikel 4.44). Definitionen av <SPAN class="ft39">kontobaserad betalning </SPAN>motsvaras av termen betalning</P>
<P class="p15 ft6">i direktivet (artikel 4.24).</P>
<P class="p611 ft5">Definitionen av <SPAN class="ft41">personlig behörighetsfunktion </SPAN>motsvaras av uttrycket personlig säkerhetsbehörighetsuppgift i direktivet (artikel 4.31).</P>
<P class="p514 ft6">Definitionen av <SPAN class="ft4">kapitalbas </SPAN>innehåller en hänvisning till definitionen i lagen om bank- och finansieringsrörelse, som dock överensstämmer i sak med den i direktivet (artikel 4.46). I definitionen anges inte de krav på sammansättningen av kapitalbasen som anges i definitionen i direktivet. De kraven anges i stället i bestämmelserna om kapitalkrav (3 kap. 2 § andra stycket).</P>
<P class="p514 ft76">Definitionen av <SPAN class="ft50">betalningsinstrument </SPAN>ändras för att bättre överens- stämma med direktivet (artikel 4.14).</P>
<P class="p514 ft6">Definitionen av <SPAN class="ft4">grupp </SPAN>ändras med anledning av att motsvarande defini- tion i andra betaltjänstdirektivet ändras i förhållande till definitionen i första betaltjänstdirektivet. Genom ändringen ersätts hänvisningen till definitionen i lagen om särskild tillsyn över finansiella konglomerat med en hänvisning som motsvarar den i andra betaltjänstdirektivet (artikel 4.40).</P>
<P class="p514 ft4"><SPAN class="ft6">Nya definitioner av </SPAN>kreditinstitut <SPAN class="ft6">och </SPAN>utländskt kreditinstitut <SPAN class="ft6">införs som inte har några motsvarigheter i direktivet. Dessa definitioner behandlas i avsnitten 5.3.13 och 5.3.14.</SPAN></P>
<P class="p611 ft5">Definitionen av <SPAN class="ft41">obehörig transaktion</SPAN>, som är ny, har sin motsvarighet i lagen om obehöriga transaktioner med betalningsinstrument som upp- hävs. Bestämmelserna i den lagen överförs till denna lag (se avsnitt 8.2). Definitionen i denna lag är dock inte begränsad till betalningsinstrument utan avser transaktioner som genomförs utan samtycke från konto- havaren eller någon annan som enligt kontoavtalet är behörig att använda kontot (se avsnitt 5.3.15).</P>
<P class="p746 ft3">Det införs även en definition av <SPAN class="ft4">säker kommunikation</SPAN>, som hänvisar till kraven i de tekniska standarder som antagits av Europeiska kommissionen i enlighet med artikel 98 i betaltjänstdirektivet (se</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">333</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_334">
<P class="p498 ft40">Prop. 2017/18:77 avsnitt 5.3.16 och Commission delegated regulation [EU] supplementing Directive 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authen- tication and common and secure open standards of communication [C(2017)7782], som ännu inte finns i svensk språkversion).</P>
<P class="p482 ft6">Benämningar av två <NOBR>EU-rättsakter</NOBR> införs: <SPAN class="ft4">betaltjänstdirektivet </SPAN>och <SPAN class="ft4">tillsynsförordningen</SPAN>. Hänvisningen till betaltjänstdirektivet är utformad på så sätt att den avser direktivet i den ursprungliga lydelsen, s.k. statisk hänvisning. Hänvisningen till tillsynsförordningen är utformad på så sätt att den avser förordningen i den vid varje tidpunkt gällande lydelsen, s.k. dynamisk hänvisning.</P>
<P class="p1060 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 5.2 och 5.3.</P>
<P class="p902 ft42">6 §</P>
<P class="p1061 ft3">Paragrafen genomför delvis artikel 3 i andra betaltjänstdirektivet.</P>
<P class="p505 ft3">I paragrafen finns undantag för tjänster som inte omfattas av lagen.</P>
<P class="p486 ft40">I <SPAN class="ft39">punkt 1 </SPAN>gör ett tillägg om hantering av kontanter. Uttrycket ”därmed sammanhängande hantering” är avsett att motsvara uttrycket ”inbegripet</P>
<P class="p671 ft6">(…) hantering” i direktivet (artikel 3 c), dvs. det avser hantering som sker i anslutning till transport av kontanter. Samtidigt undantas dock uppräkningsverksamhet från bestämmelsens tillämpningsområde. Det innebär att värdebolagens uppräkningsverksamhet inte längre ska vara undantagen från lagens tillämpningsområde. Med uppräkningsverk- samhet avses att räkna, äkthetskontrollera eller kvalitetssortera svenska sedlar eller mynt för insättning på konto.</P>
<P class="p486 ft5">Tillägget i <SPAN class="ft41">punkt 4 </SPAN>innebär att undantaget för tekniska stödtjänster inte gäller för betalningsinitieringstjänster eller kontoinformationstjänster. För tillhandahållande av betalningsinitieringstjänster gäller tillståndsplikt enligt 2 kap. 1 §. Tillhandahållande av kontoinformationstjänster kan undantas från tillståndsplikt med stöd av 2 kap. 3 § fjärde stycket.</P>
<P class="p540 ft40">Undantaget i nuvarande punkt 5 som avser tjänster som baseras på betalningsinstrument som endast kan användas i ett begränsat nätverk överförs till nya 6 a § 1 och undantaget i nuvarande punkt 6 som avser uttag av kontanter med hjälp av uttagsautomater överförs till nya 6 b §.</P>
<P class="p1062 ft6">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P>
<P class="p505 ft3">Övervägandena finns i avsnitten 6.3.2 och 6.3.5.</P>
<P class="p998 ft42">6 a §</P>
<P class="p1063 ft70">Paragrafen, som är ny, genomför artikel 3 k i andra betaltjänstdirektivet. I paragrafen anges ett antal tjänster som, med undantag för bestäm- melserna i 5 kap. 55 och 56 §§ och 5 a kap. <NOBR>1–4</NOBR> och <NOBR>6–8</NOBR> §§ om obehöriga transaktioner, inte omfattas av lagen. Paragrafen innebär att vid tillämpningen av de bestämmelserna ska det som där anges om en betaltjänstleverantör gälla även för den som tillhandahåller sådana tjänster som anges i denna paragraf och som i övrigt är undantagna från</P>
<P class="p781 ft3">lagens tillämpningsområde.</P>
<P class="p270 ft3">334</P>
</DIV>
<DIV id="page_335">
<P class="p1064 ft40">I <SPAN class="ft39">punkt 1</SPAN>, som motsvarar nuvarande 6 § 5, införs en begränsning när det Prop. 2017/18:77 gäller tjänster som baseras på betalningsinstrument som enbart kan utnyttjas i</P>
<P class="p566 ft5">fråga om ett begränsat varu- eller tjänsteutbud. Det krävs att varu- eller tjänsteutbudet är ”mycket” begränsat. Ändringen innebär att undantaget ges en snävare innebörd än vad som är fallet enligt nuvarande lydelse. Enligt 8 § ska sådan verksamhet anmälas till Finansinspektionen när det sammanlagda värdet av de betalningstransaktioner som genomförts under de senaste tolv månaderna överstiger ett belopp motsvarande en miljon euro. Inspektionen ska då besluta om verksamheten omfattas av undan- taget. Inspektionens bedömningar inom ramen för det förfarandet kommer alltså att få betydelse för vad som kan anses vara ett mycket begränsat varu- eller tjänsteutbud.</P>
<P class="p12 ft6">Undantaget i <SPAN class="ft4">punkt 2 </SPAN>är nytt. Det avser vissa tjänster som baseras på betalningsinstrument som endast är giltiga i Sverige. Det krävs bl.a. att betalningsinstrumentet regleras av en myndighet av särskilda sociala eller skattemässiga skäl. Med ”regleras” av en myndighet avses att användningen av betalningsinstrumentet styrs av författningar eller övervakas av en myndighet inom ramen för dess tillsynsverksamhet av t.ex. skattemässiga skäl.</P>
<P class="p1065 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 6.3.3.</P>
<P class="p1066 ft42">6 b §</P>
<P class="p1067 ft64">Paragrafen, som är ny, genomför artikel 3 o i andra betaltjänstdirektivet. I paragrafen finns undantag för tjänster som endast möjliggör uttag av kontanter med hjälp av uttagsautomater i vissa fall. Paragrafen motsvarar</P>
<P class="p54 ft3">delvis nuvarande 6 § 6.</P>
<P class="p57 ft5">I <SPAN class="ft41">första stycket </SPAN>anges att lagen inte gäller tjänster som endast möjliggör uttag av kontanter med hjälp av uttagsautomater under vissa förutsätt- ningar. Förutsättningen i <SPAN class="ft41">punkt 4 </SPAN>är ny i förhållande till nuvarande 6 § 6. Den innebär att vissa bestämmelser i lagen ska tillämpas när tjänsten tillhandahålls. De bestämmelserna rör information om eventuella uttags- avgifter eller växelkurs. I de angivna bestämmelserna regleras vid vilken tidpunkt informationen i fråga ska lämnas. De tidpunkterna är dock inte i alla delar anpassade efter uttag i uttagsautomater, varför den som till- handahåller en sådan tjänst ska lämna informationen till kunden om eventuella uttagsavgifter innan uttaget görs och när kontanterna lämnas ut. Finansinspektionen kan enligt 8 kap. 24 § förelägga den som inte uppfyller dessa krav att upphöra med verksamheten.</P>
<P class="p1068 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 6.3.6.</P>
<P class="p1069 ft42">7 §</P>
<P class="p65 ft3">Paragrafen genomför delvis artikel 3 i andra betaltjänstdirektivet.</P>
<P class="p1070 ft3">I paragrafen finns undantag för vissa typer av betalningstransaktioner som inte omfattas av lagen.</P>
<P class="p1019 ft5">Ändringarna i <SPAN class="ft41">första stycket 6 </SPAN>innebär att undantaget, som motsvarar artikel 3 b i direktivet, utvidgas dels till att omfatta betalningar genom en</P>
<P class="p54 ft113">handelsagent eller en liknande uppdragstagare för betalaren eller</P>
<P class="p160 ft3">335</P>
</DIV>
<DIV id="page_336">
<P class="p498 ft5">Prop. 2017/18:77 betalningsmottagaren, dels till att omfatta även den situationen att upp- draget avser köp eller försäljning av tjänster. För att undantaget ska vara tillämpligt krävs att uppdragstagaren agerar på uppdrag av endast betalaren eller endast betalningsmottagaren. Undantaget är således inte tillämpligt om uppdragstagaren agerar för både betalarens och betal- ningsmottagarens räkning. Punkten har utformats i enlighet med</P>
<P class="p1061 ft4">Lagrådets <SPAN class="ft3">förslag.</SPAN></P>
<P class="p486 ft5">I <SPAN class="ft41">punkt 8</SPAN>, som är ny<SPAN class="ft41">, </SPAN>införs ett nytt undantag för sådana betalnings- transaktioner som görs genom en leverantör av elektroniska kommunika- tionsnät eller kommunikationstjänster där leverantören fungerar som mellanhand i transaktionen. Undantaget motsvarar artikel 3 l i direktivet. För att undantaget ska vara tillämpligt ska transaktionerna avse inköp av digitalt innehåll, röstbaserade tjänster eller – om transaktionerna sker via elektronisk utrustning – genomföras för välgörenhet eller inköp av biljetter. Ytterligare förutsättningar är enligt <SPAN class="ft41">andra stycket</SPAN>, som är nytt, att värdet på varje enskild transaktion inte överstiger ett belopp mot- svarande 50 euro och transaktionernas sammanlagda värde för en abonnent inte överstiger ett belopp motsvarande 300 euro per månad. I 4 § finns definitioner av elektroniskt kommunikationsnät och elek- tronisk kommunikationstjänst. Med digitalt innehåll avses varor eller tjänster som framställs och tillhandahålls i digital form, vars användning eller konsumtion är begränsad till en teknisk anordning (jfr artikel 3.43 i direktivet). Det kan noteras att för det fall ett mervärde tillförs i samband med en transaktion – dvs. om leverantören inte endast fungerar som mellanhand – är det över huvud taget inte fråga om en betaltjänst, utan i stället om köp av en produkt eller tjänst. I den situationen blir detta undantag inte tillämpligt.</P>
<P class="p779 ft6">Lagrådet föreslår att första stycket 1 ska ges en lydelse som ligger närmare direktivet. Regeringen, som konstaterar att bestämmelsen infördes vid genomförandet av första betaltjänstdirektivet (se prop. 2009/10:220 s. 117), anser emellertid inte att det framkommit tillräckliga skäl att ändra bestämmelsen.</P>
<P class="p1053 ft3">Övervägandena finns i avsnitten 6.3.4 och 6.3.7.</P>
<P class="p1071 ft42">9 §</P>
<P class="p1058 ft76">Paragrafen, som är ny, genomför delvis artikel 37.2 och 37.3 i andra betaltjänstdirektivet.</P>
<P class="p482 ft6">Paragrafen innehåller bestämmelser om anmälningsskyldighet för viss verksamhet.</P>
<P class="p540 ft5"><SPAN class="ft41">Första stycket </SPAN>innehåller krav på den som driver sådan verksamhet som avses i 6 a § 1 att anmäla detta till Finansinspektionen. Den verk- samhet som avses är tjänster som baseras på betalningsinstrument som enbart kan utnyttjas inom ett begränsat nätverk av leverantörer, hos en leverantör i dennes affärsställe eller i fråga om ett mycket begränsat varu- eller tjänsteutbud. En förutsättning för att anmälningsskyldighet ska gälla är att det sammanlagda värdet av de betalningstransaktioner som genomförts under de senaste tolv månaderna överstiger ett belopp motsvarande en miljon euro.</P>
<P class="p1072 ft3">336</P>
</DIV>
<DIV id="page_337">
<P class="p565 ft3"><SPAN class="ft4">Andra stycket </SPAN>innebär att det gäller anmälningsskyldighet för vissa Prop. 2017/18:77 betalningstransaktioner som genomförs via en leverantör av elektroniska kommunikationsnät eller elektroniska kommunikationstjänster.</P>
<P class="p57 ft5"><SPAN class="ft41">Lagrådet </SPAN>anser att uttrycket ”driver” verksamhet bör ändras till ”bedriver” och att samma ändring bör göras på övriga ställen i lagtexten där termen driver används. Regeringen konstaterar emellertid att ut- trycket driva verksamhet används i flertalet lagar på finansmarknads- området (se t.ex. lagen [2004:46] om värdepappersfonder och lagen [2007:528] om värdepappersmarknaden) och anser därför inte att en sådan justering är påkallad.</P>
<P class="p1073 ft3">Övervägandena finns i avsnitt 6.4.1.</P>
<P class="p1066 ft42">10 §</P>
<P class="p469 ft3">Paragrafen, som är ny, genomför delvis artikel 37.2 och artikel 37.5 i andra betaltjänstdirektivet.</P>
<P class="p57 ft40">Paragrafen innehåller bestämmelser om registrering av viss verksamhet som omfattas av undantag från tillståndsplikt enligt lagen.</P>
<P class="p12 ft6">Av <SPAN class="ft4">första stycket </SPAN>följer att Finansinspektionen ska registrera dem som har gjort en anmälan enligt 9 § om förutsättningarna för undantag är uppfyllda. Det innebär att Finansinspektionen ska pröva exempelvis om ett nätverk ska anses mycket begränsat.</P>
<P class="p12 ft3">I <SPAN class="ft4">andra stycket </SPAN>finns en upplysningsbestämmelse om det register som Finansinspektionen ska föra.</P>
<P class="p13 ft3">Övervägandena finns i avsnitt 6.4.2.</P>
<P class="p1066 ft42">11 §</P>
<P class="p492 ft76">Paragrafen, som är ny, genomför delvis artiklarna 38.1 och 61.1 i andra betaltjänstdirektivet.</P>
<P class="p12 ft6">Paragrafen innehåller bestämmelser om i vilken mån avtalsvillkor som avviker från bestämmelserna i lagen är bindande eller inte bindande för en part. Lagen är tvingande till skydd för en konsument (angående innebörden av begreppet konsument, se 1 kap. 4 §). Det innebär t.ex. att bestämmelserna om en konsuments begränsade ansvar för obehöriga transaktioner i 5 a kap. är tvingande till konsumentens förmån (jfr 3 § lagen om obehöriga transaktioner med betalningsinstrument). I övriga fall är det parternas avtal som i första hand bestämmer vad som ska gälla mellan dem.</P>
<P class="p1074 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 6.5.</P>
<P class="p1066 ft42">2 kap.</P>
<P class="p65 ft42">1 §</P>
<P class="p1032 ft3">Paragrafen genomför delvis artikel 5.1 i andra betaltjänstdirektivet.</P>
<P class="p1070 ft3">I paragrafen finns bestämmelser om tillstånd för att tillhandahålla betaltjänster.</P>
<P class="p1019 ft40">Ändringen i <SPAN class="ft39">andra stycket </SPAN>innebär endast att hänvisningen till 3 kap. 27 § tas bort, vilket sker med anledning av att denna bestämmelse utgår</P>
<P class="p54 ft113">ur lagen.</P>
<P class="p160 ft3">337</P>
</DIV>
<DIV id="page_338">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">338</P>
</DIV>
<DIV id="id_2">
<P class="p463 ft64"><SPAN class="ft63">Lagrådet </SPAN>anser att det bör övervägas om det bör införas en bestäm- melse om att den som har beviljats tillstånd att tillhandahålla betaltjänster ska registreras på samma sätt som gäller den som undantagits från tillståndsplikt enligt 3 § (se 4 §) och att ombud ska anmälas för registre- ring (se 3 kap. 17 §). Regeringen konstaterar att det framgår av 8 kap. 5 § att Finansinspektionen ska föra register över betalningsinstitut, registre- rade betaltjänstleverantörer, deras ombud och filialer samt att registret ska innehålla uppgifter om vilka betaltjänster dessa har rätt att tillhanda- hålla. Någon uttrycklig bestämmelse om att den som har beviljats tillstånd att tillhandahålla betaltjänster ska registreras – motsvarande dem i 4 § och 3 kap. 17 § – behövs inte enligt regeringens bedömning.</P>
<P class="p1075 ft42">2 §</P>
<P class="p1076 ft3">Paragrafen genomför delvis artikel 11.1 i andra betaltjänstdirektivet. Paragrafen innehåller undantag från tillståndsplikt enligt lagen för</P>
<P class="p1077 ft40">olika företag och myndigheter som kan tillhandahålla betaltjänster. <SPAN class="ft39">Punkt 1 </SPAN>ändras med anledning av att det i 1 kap. 4 § införs en defini-</P>
<P class="p15 ft6">tion av kreditinstitut (jfr även 1 kap. 3 § 1).</P>
<P class="p462 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft180">punkt 4 </SPAN>ändras hänvisningen så att den avser andra betaltjänst- direktivet i stället för första betaltjänstdirektivet, se 1 kap. 4 §.</P>
<P class="p213 ft6"><SPAN class="ft4">Punkt 7 </SPAN>ändras med anledning av att det i 1 kap. 4 § införs definitioner av kreditinstitut och utländskt kreditinstitut (se avsnitten 5.3.13 och 5.3.14).</P>
<P class="p462 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft181">punkt 8 </SPAN>görs ett tillägg att även filialer till institut för elektroniska pengar från länder utanför EES får tillhandahålla betaltjänster utan tillstånd enligt lagen (i enlighet med artikel 11.1 i direktivet).</P>
<P class="p461 ft3">Övervägandena finns i avsnitt 6.1.2.</P>
<P class="p316 ft42">3 §</P>
<P class="p755 ft76">Paragrafen genomför artiklarna 5.3 och 32.1 och delvis artikel 33.1 i andra betaltjänstdirektivet.</P>
<P class="p213 ft6">I paragrafen anges vilka kriterier som ska vara uppfyllda av betaltjänst- leverantörer som driver mindre omfattande verksamhet eller tillhanda- håller kontoinformationstjänster för att Finansinspektionen ska bevilja ett undantag från tillståndsplikten.</P>
<P class="p606 ft3">I <SPAN class="ft4">första stycket 2 </SPAN>görs en redaktionell ändring.</P>
<P class="p213 ft6"><SPAN class="ft4">Tredje stycket</SPAN>, som är nytt, genomför artikel 32.1 i direktivet. Av stycket följer att en leverantör av betalningsinitieringstjänster inte får beviljas undantag från tillståndsplikt. Detta gäller således oavsett omfatt- ningen av verksamheten.</P>
<P class="p689 ft64"><SPAN class="ft63">Fjärde stycket</SPAN>, som är nytt, genomför artikel 5.3 och delvis artikel 33.1 i direktivet. I stycket anges vilka kriterier en leverantör av kontoinformations- tjänster ska uppfylla för att undantas från tillståndsplikt. En sådan betaltjänst- leverantör ska undantas från tillståndsplikt om vissa krav som anges i första stycket som gäller företagsledningen och verksamheten i övrigt (punkterna 2, 3 och 5) är uppfyllda. Företaget måste dessutom ha en ansvarsförsäkring som täcker det geografiska område inom vilket före- taget driver sin verksamhet eller annan jämförbar garanti som täcker den skadeståndsskyldighet som kan uppkomma till följd av verksamheten.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_339">
<P class="p565 ft3">Eba har utfärdat riktlinjer dels för kriterier att fastställa minimibelopp Prop. 2017/18:77 för ansvarsförsäkring eller annan jämförbar garanti, dels för uppgifter</P>
<P class="p521 ft6">som ska lämnas till behöriga myndigheter vid ansökan om tillstånd för betalningsinstitut (se artikel 5.4 och 5.5 i direktivet samt Riktlinjer för kriterierna för att fastställa ett minimibelopp för den ansvarsförsäkring eller annan jämförbar garanti som avses i artikel 5.4 i direktiv [EU] 2015/2366 [EBA/GL/2017/08] och Riktlinjer för de uppgifter som ska lämnas vid ansökan om auktorisation av betalningsinstitut och institut för elektroniska pengar samt registrering av leverantörer av kontoinformationstjänster enligt artikel 5.5 i direktiv [EU] 2015/2366 [EBA/GL/2017/09]). Baserat på erfarenheter av riktlinjerna kan det även bli aktuellt med tekniska standarder för tillsyn som antas av kommissionen (artikel 5.6).</P>
<P class="p1078 ft59">Paragrafen har utformats i enlighet med <SPAN class="ft54">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 7.2.1, 7.3.1 och 7.3.2.</P>
<P class="p4 ft42">6 §</P>
<P class="p1079 ft76">Paragrafen genomför artiklarna 5.2, 11.2, 11.4 och 11.6 i andra betal- tjänstdirektivet.</P>
<P class="p1070 ft6">I paragrafen anges vilka krav som ska vara uppfyllda för att få tillstånd att driva verksamhet som betalningsinstitut.</P>
<P class="p57 ft5"><SPAN class="ft5">I</SPAN><SPAN class="ft90">första stycket 4 </SPAN>görs ett tillägg om att den som ska ingå i företagets styrelse, vara verkställande direktör eller vara ersättare för någon av dem, utöver att vara lämplig för en sådan uppgift, även ska ha tillräcklig insikt och erfarenhet för att delta i ledningen av ett sådant företag. Kravet överensstämmer med det som anges i direktivet om vad en ansökan om auktorisation ska innehålla (artikel 5.1 första stycket n).</P>
<P class="p12 ft3">Ändringen i <SPAN class="ft4">punkt 5 </SPAN>är en anpassning till den nya lydelsen i punkt 4 och innebär inte någon ändring i sak.</P>
<P class="p12 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft181">punkt 6</SPAN>, som är ny, anges ett särskilt krav på en ansvarsförsäkring eller garanti som gäller bara för en leverantör av betalningsinitierings- tjänster eller en leverantör av endast kontoinformationstjänster (artikel 5.2 och 5.3 i direktivet).</P>
<P class="p57 ft6">Eba har utfärdat riktlinjer dels för kriterier att fastställa minimibelopp för ansvarsförsäkring eller annan jämförbar garanti, dels för uppgifter som ska lämnas till behöriga myndigheter vid ansökan om tillstånd för betalningsinstitut (se artikel 5.4 och 5.5 i direktivet samt Riktlinjer för kriterierna för att fastställa ett minimibelopp för den ansvarsförsäkring eller annan jämförbar garanti som avses i artikel 5.4 i direktiv [EU] 2015/2366 [EBA/GL/2017/08] och Riktlinjer för de uppgifter som ska lämnas vid ansökan om auktorisation av betalningsinstitut och institut för elektroniska pengar samt registrering av leverantörer av konto- informationstjänster enligt artikel 5.5 i direktiv [EU] 2015/2366 [EBA/GL/2017/09]). Baserat på erfarenheter av riktlinjerna kan det även bli aktuellt med tekniska standarder för tillsyn som antas av kommis- sionen (artikel 5.6).</P>
<P class="p1080 ft59">Paragrafen har utformats i enlighet med <SPAN class="ft54">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 7.2.2, 7.3.1 och 14.1.</P>
<P class="p1081 ft3">339</P>
</DIV>
<DIV id="page_340">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">340</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft42">3 kap.</P>
<P class="p672 ft42">1 §</P>
<P class="p319 ft3">Paragrafen genomför artikel 7 i andra betaltjänstdirektivet.</P>
<P class="p1082 ft3">Paragrafen innehåller bestämmelser om startkapital för betalnings- institut.</P>
<P class="p1083 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft52">punkterna 1 </SPAN>och <SPAN class="ft4">3 </SPAN>görs följdändringar med anledning av att numre- ringen i 1 kap. 2 § ändras.</P>
<P class="p1084 ft5"><SPAN class="ft5">I</SPAN><SPAN class="ft178">punkt 2 </SPAN>införs ett krav på att ett betalningsinstitut ska ha ett start- kapital som uppgår till ett belopp som motsvarar minst 50 000 euro om tillståndet omfattar betalningsinitieringstjänster. I nuvarande lydelse gäller punkten startkapital för betalningsinstitut som har ett tillstånd som</P>
<P class="p314 ft5">omfattar sådana betaltjänster som avses i nuvarande lydelse av 1 kap. 2 § 6, som utgår. Tillägget av ”eller” är en redaktionell ändring som görs för att tydliggöra att de kapitalkrav som anges i paragrafen är alternativa.</P>
<P class="p1085 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.2.2.</P>
<P class="p335 ft42">2 §</P>
<P class="p757 ft3">Paragrafen genomför delvis artikel 4.46 och artikel 8.1 och 8.2 i andra betaltjänstdirektivet.</P>
<P class="p606 ft3">Paragrafen innehåller bestämmelser om kapitalkrav.</P>
<P class="p463 ft5">I <SPAN class="ft41">första stycket </SPAN>anges vilka kapitalkrav som gäller för betalningsinstitut. I <SPAN class="ft41">tredje meningen</SPAN>, som är ny, införs ett undantag som innebär att betal- ningsinstitut som endast tillhandahåller betalningsinitieringstjänster bara måste uppfylla kravet på att institutet vid varje tidpunkt ska ha en kapital- bas som motsvarar minst startkapitalet (50 000 kronor).</P>
<P class="p463 ft64">Av <SPAN class="ft63">andra stycket </SPAN>följer att tillsynsförordningen gäller vid beräkningen av kapitalbasen. Vidare görs ett tillägg som innebär att kapitalbasens primärkapital ska bestå av minst 75 procent kärnprimärkapital och att supplementärkapitalet får uppgå till högst en tredjedel av primärkapitalet. Det är samma krav som i direktivet i stället anges i definitionen av kapitalbas (artikel 4.46). I tillsynsförordningen anges alltså vilka beståndsdelar kapitalbasen kan bestå av (artiklarna 4.1.118 och 72), dvs. att kapital- basen är summan av primärkapital och supplementärkapital, medan det i lagen anges vilken kvalitet innehållet i kapitalbasen minst ska ha. Det kan noteras att supplementärkapital inte måste ingå i kapitalbasen men om det ingår får det uppgå till högst en tredjedel av primärkapitalet.</P>
<P class="p1086 ft3">Övervägandena finns i avsnitten 5.3.12 och 7.2.2.</P>
<P class="p316 ft42">6 §</P>
<P class="p1087 ft3">Paragrafen genomför artikel <NOBR>18.2–18.5</NOBR> i andra betaltjänstdirektivet. Paragrafen innehåller bestämmelser om inlåning och kreditgivning i</P>
<P class="p15 ft3">betaltjänstverksamheten.</P>
<P class="p213 ft3"><SPAN class="ft4">Andra stycket </SPAN>ändras med anledning av ändringen av strukturen i 1 kap. 2 §, se författningskommentaren till den paragrafen. Det innebär inte någon ändring i sak.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_341">
<DIV>
<DIV id="id_1">
<P class="p15 ft42">7 §</P>
<P class="p45 ft3">Paragrafen genomför artikel 10 i andra betaltjänstdirektivet.</P>
<P class="p514 ft3">I paragrafen anges vilka åtgärder som ett betalningsinstitut eller en registrerad betaltjänstleverantör är skyldig att vidta för att skydda medel som tagits emot för att genomföra en betalningstransaktion.</P>
<P class="p514 ft6">I <SPAN class="ft4">första stycket </SPAN>tas den nuvarande beloppsgränsen på motsvarande 300 euro bort. Det innebär att kraven i paragrafen gäller oavsett storleken på de medel som tagits emot.</P>
<P class="p514 ft6"><SPAN class="ft4">Andra stycket </SPAN>ändras med anledning av att det i 1 kap. 4 § införs definitioner av kreditinstitut och utländskt kreditinstitut (se av- snitten 5.3.13 och 5.3.14). Det innebär inte någon ändring i sak.</P>
<P class="p106 ft3">Övervägandena finns i avsnitt 14.2.</P>
<P class="p794 ft42">9 §</P>
<P class="p1088 ft59">Paragrafen genomför artikel 17.2 i andra betaltjänstdirektivet. Paragrafen innehåller bestämmelser om revision.</P>
<P class="p514 ft6"><SPAN class="ft4">Andra stycket </SPAN>tas bort med anledning av att lagen om årsredovisning i kreditinstitut och värdepappersbolag inte längre är tillämplig på betal- ningsinstitut.</P>
<P class="p103 ft3">Övervägandena finns i avsnitt 14.17.</P>
<P class="p316 ft42">13 §</P>
<P class="p761 ft3">Paragrafen genomför artikel 32.6 i andra betaltjänstdirektivet och artik- larna 1.7 och 16.8 i betalkontodirektivet.</P>
<P class="p611 ft5">I paragrafen finns en upplysning om att bestämmelserna i penning- tvättslagen är tillämpliga även vid tillhandahållande av betaltjänster. Ett tillägg görs som upplyser om att det av penningtvättslagen framgår att bestämmelserna i den lagen inte gäller för leverantörer som endast tillhandahåller kontoinformationstjänster (se förslaget i avsnitt 2.6). Med detta avses en betaltjänstleverantör som tillhandahåller kontoinforma- tionstjänster, men ingen annan betaltjänst.</P>
<P class="p1089 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.3.2.</P>
<P class="p316 ft42">17 §</P>
<P class="p785 ft76">Paragrafen genomför artikel 19.1 och 19.2 och delvis artikel 33.1 i andra betaltjänstdirektivet.</P>
<P class="p611 ft70">Paragrafen innehåller bestämmelser om den anmälan som ska ges in till Finansinspektionen av ett betalningsinstitut eller en registrerad betal- tjänstleverantör som vill tillhandahålla betaltjänster genom ombud.</P>
<P class="p1090 ft40">I <SPAN class="ft39">första stycket </SPAN>anges att betaltjänstleverantörer som vill tillhandahålla tjänster genom ombud ska anmäla ombudet till Finansinspektionen. Ett tillägg görs i <SPAN class="ft39">andra meningen</SPAN>, som är ny, som innebär att denna skyldig- het inte gäller för kontoinformationstjänster. Undantaget är bara tillämp- ligt på en betaltjänstleverantörs verksamhet med kontoinformations- tjänster. Om leverantören vill tillhandahålla någon annan betaltjänst genom ombud, ska en anmälan om detta göras.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">341</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_342">
<P class="p498 ft6">Prop. 2017/18:77 I <SPAN class="ft4">andra stycket </SPAN>föreskrivs vilka uppgifter en anmälan enligt första stycket ska innehålla. I <SPAN class="ft4">punkt 1 </SPAN>görs ett tillägg som innebär att uppgifterna även ska avse ombudets unika identifikationskod eller identifikations- nummer om sådana uppgifter finns (jfr artikel 19.1 e i direktivet). Enligt <SPAN class="ft4">punkt 5</SPAN>, som är ny, ska anmälan också innehålla uppgift om vilka betal- tjänster som ombudet har i uppdrag att tillhandahålla (jfr artikel 19.1 d). Övriga ändringar är endast språkliga.</P>
<P class="p787 ft3">Enligt <SPAN class="ft4">tredje stycket </SPAN>ska Finansinspektionen registrera ombudet om kraven i andra stycket är uppfyllda. I stycket införs en skyldighet för Finansinspektionen att fatta beslut i fråga om registrering inom två månader från det att anmälan togs emot.</P>
<P class="p482 ft6">Av <SPAN class="ft4">fjärde stycket</SPAN>, som är nytt, följer att ombudet inte får tillhandahålla betaltjänster innan det har registrerats.</P>
<P class="p1091 ft59">Paragrafen har delvis utformats i enlighet med <SPAN class="ft54">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 7.3.2, 13.1.2 och 13.1.3.</P>
<P class="p902 ft42">18 §</P>
<P class="p1092 ft76">Paragrafen genomför artiklarna 19.5 och 28.1 första stycket och delvis artiklarna 11.9, 28.3 och 33.2 i andra betaltjänstdirektivet.</P>
<P class="p486 ft5">Paragrafen innehåller bestämmelser om de underrättelser som ett betal- ningsinstitut ska ge in till Finansinspektionen om institutet vill tillhanda- hålla betaltjänster genom ombud i ett annat land inom EES.</P>
<P class="p1056 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft179">första stycket </SPAN>görs ett tillägg som innebär att bestämmelsen även gäller för registrerade betaltjänstleverantörer som tillhandahåller konto- informationstjänster genom ombud. Även en sådan betaltjänstleverantör som undantagits från tillståndsplikt omfattas av rätten enligt direktivet att tillhandahålla tjänster i andra länder inom EES än hemlandet (se skäl 48 och artikel 33.2). Om leverantören också tillhandahåller någon annan betaltjänst, och inte har tillstånd som betalningsinstitut, är bestämmelsen inte tillämplig på den verksamheten (jfr artiklarna 11.9 och 32.2 i direktivet).</P>
<P class="p1056 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft52">andra stycket </SPAN>anges vilka uppgifter som ska lämnas i en sådan under- rättelse som avses i första stycket. Punkterna ändras så att de motsvarar de uppgifter som anges i artikel 28.1 i direktivet.</P>
<P class="p486 ft5">Nuvarande bestämmelser i <SPAN class="ft41">tredje stycket </SPAN>överförs till nya 18 a §. I stycket införs i stället en ny bestämmelse om att betaltjänstleverantören ska lämna uppgift till Finansinspektionen om vilken dag tillhanda- hållandet av betaltjänster genom ombudet påbörjas i det andra landet. Uppgiften avser den dag då verksamheten faktiskt påbörjas. Eftersom en betaltjänstleverantör inte får påbörja verksamhet i det andra landet innan registrering har gjorts (jfr artikel 28.3 andra stycket i direktivet) är denna underrättelse en annan än den som avses i första stycket. Av 18 a § första stycket följer att Finansinspektionen ska lämna underrättelsen till den behöriga myndigheten i det andra landet.</P>
<P class="p1093 ft93">Paragrafen har utformats i enlighet med <SPAN class="ft182">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 7.3.3 och 13.2.2.</P>
<P class="p1094 ft3">342</P>
</DIV>
<DIV id="page_343">
<DIV>
<DIV id="id_1">
<P class="p15 ft42">18 a §</P>
<P class="p761 ft3">Paragrafen, som är ny, genomför delvis artiklarna 11.9, 19.5, 28.2, 28.3 och 33.2 i andra betaltjänstdirektivet.</P>
<P class="p514 ft6">Paragrafen reglerar inom vilken tid Finansinspektionen ska vidare- befordra underrättelser och meddela beslut om registrering av ett ombud som avser att tillhandahålla betaltjänster i ett annat land inom EES samt på vilka grunder inspektionen får vägra registrering.</P>
<P class="p611 ft5"><SPAN class="ft5">I</SPAN><SPAN class="ft90">första stycket </SPAN>anges att Finansinspektionen inom en månad från mot- tagandet av en underrättelse om att en betaltjänstleverantör avser att till- handahålla betaltjänster i ett annat land inom EES eller en underrättelse om vilket datum verksamheten genom ombud inleds ska vidarebefordra underrättelsen till den behöriga myndigheten i det land där ombudet ska verka. Den behöriga myndigheten i det andra landet kommer därefter att lämna information om bl.a. eventuella skäl till farhågor när det gäller penningtvätt eller finansiering av terrorism (jfr artikel 18.2 andra stycket i direktivet).</P>
<P class="p655 ft5"><SPAN class="ft5">I</SPAN><SPAN class="ft87">andra stycket </SPAN>anges att Finansinspektionen inom tre månader efter att ha tagit emot en underrättelse om att en betaltjänstleverantör avser att tillhandahålla betaltjänster i ett annat land inom EES genom ombud ska underrätta den behöriga myndigheten i det andra landet och betaltjänst- leverantören om sitt beslut i fråga om registrering. Det innebär således att Finansinspektionen måste fatta beslut inom tre månader. Om Finans- inspektionen och den behöriga myndigheten i det andra landet inte har samma uppfattning i frågan om registrering, ska underrättelsen även inne- hålla skälen för beslutet. Om den behöriga myndigheten t.ex. har haft farhågor när det gäller risk för penningtvätt eller finansiering av terrorism men Finansinspektionen inte har gjort samma bedömning och ändå beslutat om registrering (jfr tredje stycket), ska den behöriga myndigheten alltså få del av Finansinspektionens bedömning.</P>
<P class="p655 ft64"><SPAN class="ft7">I</SPAN><SPAN class="ft183">tredje stycket </SPAN>anges att Finansinspektionen ska vägra att registrera ett ombud om det inte är lämpligt att betaltjänstleverantören anlitar ombudet. Situationer när det inte kan anses lämpligt är om Finansinspektionen har skälig anledning att anta att anlitandet av ombudet kan öka risken för finansiering av terrorism eller penningtvätt eller annan ekonomisk brotts- lighet eller om anlitandet på annat sätt skulle äventyra betaltjänstleveran- törens verksamhet genom att leverantören t.ex. inte skulle kunna upprätthålla tillräckliga styr- och kontrollformer (jfr 2 kap. 6 § första stycket 2 och 3 kap. 27 §). I stycket anges också att Finansinspektionen vid sin bedömning ska beakta den information som inspektionen tagit emot från den behöriga myndigheten i det andra landet.</P>
<P class="p1095 ft3">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft4">Lagrådet</SPAN>. Övervägandena finns i avsnitten <NOBR>13.2.4–13.2.6.</NOBR></P>
<P class="p316 ft42">19 §</P>
<P class="p785 ft76">Paragrafen genomför delvis artiklarna 11.9, 28.1, 28.3 och 33.2 i andra betaltjänstdirektivet.</P>
<P class="p514 ft3">Paragrafen innehåller bestämmelser om den underrättelse som ett betalningsinstitut ska ge in till Finansinspektionen om institutet vill tillhandahålla betaltjänster genom filial i ett annat land inom EES.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">343</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_344">
<P class="p572 ft6">Prop. 2017/18:77 I <SPAN class="ft4">första stycket </SPAN>görs ett tillägg som innebär att bestämmelsen även gäller för registrerade betaltjänstleverantörer som tillhandahåller konto- informationstjänster genom filial. Även en sådan betaltjänstleverantör som undantagits från tillståndsplikt omfattas av rätten enligt direktivet att tillhandahålla tjänster i andra länder inom EES än hemlandet (se skäl 48 och artikel 33.2). Om leverantören också tillhandahåller någon annan betaltjänst, och inte har tillstånd som betalningsinstitut, är bestämmelsen inte tillämplig på den verksamheten (jfr artiklarna 11.9 och 32.2 i direktivet).</P>
<P class="p487 ft5">Bestämmelsen om vad en underrättelse ska innehålla överförs från första stycket till <SPAN class="ft41">andra stycket</SPAN>. I förhållande till nuvarande första stycket andra meningen justeras kraven på innehållet i underrättelsen så att de motsvarar de uppgifter som anges i artikel 28.1 i direktivet. Nuvarande bestämmelser i andra stycket överförs till 20 §.</P>
<P class="p848 ft3"><SPAN class="ft4">Tredje stycket</SPAN>, som är nytt, motsvarar 18 § tredje stycket, som gäller verksamhet som drivs genom ombud, se författningskommentaren till den paragrafen.</P>
<P class="p1096 ft93">Paragrafen har utformats i enlighet med <SPAN class="ft182">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 7.3.3 och 13.2.2.</P>
<P class="p1097 ft42">20 §</P>
<P class="p1052 ft3">Paragrafen genomför delvis artiklarna 11.9, 28.2 och 28.3 i andra betaltjänstdirektivet.</P>
<P class="p486 ft5">Paragrafen reglerar inom vilken tid Finansinspektionen ska vidare- befordra underrättelser och meddela beslut om registrering av ett ombud som avser att tillhandahålla betaltjänster i ett annat land inom EES samt på vilka grunder inspektionen får vägra registrering. Bestämmelserna motsvarar dem i nya 18 a § som gäller verksamhet som drivs genom ombud, se författningskommentaren till den paragrafen.</P>
<P class="p1098 ft76">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft50">Lagrådet</SPAN>. Övervägandena finns i avsnitten <NOBR>13.2.4–13.2.6.</NOBR></P>
<P class="p902 ft42">21 §</P>
<P class="p1052 ft3">Paragrafen genomför delvis artiklarna 11.9, 28.1 första stycket och 33.2 i andra betaltjänstdirektivet.</P>
<P class="p482 ft6">Paragrafen innehåller bestämmelser om den underrättelse som ska ges in till Finansinspektionen om ett betalningsinstitut avser att från Sverige tillhandahålla betaltjänster i ett annat land inom EES.</P>
<P class="p486 ft5">Ändringen i <SPAN class="ft41">första stycket </SPAN>innebär att bestämmelsen även gäller regist- rerade betaltjänstleverantörer som tillhandahåller kontoinformations- tjänster. Även en sådan leverantör som undantagits från tillståndsplikt omfattas av rätten enligt direktivet att tillhandahålla tjänster i andra länder i EES än hemlandet (se skäl 48 och artikel 33.2). Om leverantören också tillhandahåller någon annan betaltjänst, och inte har tillstånd som betalningsinstitut, är bestämmelsen inte tillämplig på den verksamheten (jfr artiklarna 11.9 och 32.2 i direktivet).</P>
<P class="p499 ft3">Bestämmelser om vad en underrättelse ska innehålla överförs från första stycket till <SPAN class="ft4">andra stycket</SPAN>. Ändringarna när det gäller innehållet i</P>
<P class="p263 ft3">344</P>
</DIV>
<DIV id="page_345">
<P class="p557 ft3">underrättelsen motsvarar de ändringar som har gjorts i andra betaltjänst- Prop. 2017/18:77 direktivet (artikel 28.1) i förhållande till första betaltjänstdirektivet.</P>
<P class="p405 ft3">Enligt 22 § ska Finansinspektionen lämna över underrättelsen till den behöriga myndigheten i det land där verksamheten ska drivas.</P>
<P class="p103 ft3">Övervägandena finns i avsnitten 7.3.3 och 13.2.2.</P>
<P class="p801 ft42">23 §</P>
<P class="p1099 ft3">Paragrafen innehåller bestämmelser om det tillstånd som krävs för att ett betalningsinstitut ska få inrätta en filial i ett land utanför EES.</P>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr28 td298"><P class="p90 ft3"><SPAN class="ft4">Andra stycket</SPAN>, som är nytt, innebär att paragrafen även gäller</P></TD>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">registrerade betaltjänstleverantörer som avser att tillhandahålla konto-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">informationstjänster. En registrerad betaltjänstleverantör får inrätta en</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">filial endast för att tillhandahålla kontoinformationstjänster, dvs. några</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">andra betaltjänster får leverantören inte tillhandahålla i det andra landet.</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p90 ft6"><SPAN class="ft4">Lagrådet </SPAN>anser att det i paragrafen bör tas in en reglering av förut-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">sättningarna för tillstånd. Som Lagrådet påpekar är det grundläggande</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">syftet med tillståndskravet att säkerställa att en filial i det andra landet</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">inte äventyrar betaltjänstleverantörens verksamhet i Sverige. Den</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">nuvarande utformningen av paragrafen har inte medfört några tillämp-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">ningsproblem. Regeringen anser därför att det inte finns tillräckliga skäl</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">för att i paragrafen reglera förutsättningarna för tillstånd.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p90 ft3">Övervägandena finns i avsnitt 7.3.3.</P></TD>
<TD class="tr20 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr49 td298"><P class="p3 ft42">24 §</P></TD>
<TD class="tr49 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr24 td298"><P class="p3 ft3">Paragrafen genomför artikel 19.7 och delvis artikel 33.1 i andra betal-</P></TD>
<TD class="tr24 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">tjänstdirektivet.</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p90 ft6">Paragrafen innehåller informationskrav för ombud och filialer.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p90 ft6">I <SPAN class="ft4">första stycket </SPAN>görs ett tillägg som innebär att kraven i första meningen</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">inte gäller för betaltjänstleverantörer som tillhandahåller kontoinfor-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">mationstjänster. Om leverantören även tillhandahåller någon annan betal-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">tjänst gäller bestämmelsen i första meningen i den verksamheten.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p90 ft3">Ändringen i <SPAN class="ft4">andra stycket </SPAN>är endast språklig.</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p90 ft3">Övervägandena finns i avsnitt 7.3.3.</P></TD>
<TD class="tr20 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr49 td298"><P class="p3 ft42">25 §</P></TD>
<TD class="tr49 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr24 td298"><P class="p3 ft3">Paragrafen genomför artikel 16 och delvis artiklarna 19.8, 28.1 andra</P></TD>
<TD class="tr24 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">stycket och 28.4 i andra betaltjänstdirektivet.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p90 ft3">Paragrafen innehåller bestämmelser om den underrättelse som ett</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">betalningsinstitut eller en registrerad betaltjänstleverantör ska ge in till</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">Finansinspektionen om företaget avser att ändra den verksamhet som det</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">driver genom ombud eller i andra länder. Om ändringen avser anlitande</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">av ett nytt ombud eller inrättande av en ny filial gäller dock 17, 18 eller</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">19 §.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p90 ft3">I <SPAN class="ft4">andra stycket</SPAN>, som gäller när ett betalningsinstitut avser att göra</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">ändring i verksamhet som institutet driver i ett annat land, görs ett tillägg</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">som innebär att Finansinspektionen inom en månad från det att en under-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">rättelse togs emot ska underrätta den behöriga myndigheten i det andra</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">landet om ändringen.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p90 ft3">Övervägandena finns i avsnitt 13.2.7.</P></TD>
<TD class="tr20 td78"><P class="p17 ft3">345</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_346">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">346</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft42">26 §</P>
<P class="p1100 ft3">Paragrafen genomför delvis artiklarna 11.9, 28.3 och 33.1 i andra betal- tjänstdirektivet.</P>
<P class="p1082 ft3">Paragrafen reglerar rätten för utländska företag att driva verksamhet i Sverige.</P>
<P class="p1084 ft5"><SPAN class="ft5">I</SPAN><SPAN class="ft90">andra stycket</SPAN>, som är nytt, införs en möjlighet för ett företag som hör hemma i ett annat land inom EES, och som i hemlandet har undantagits från tillståndsplikt, att tillhandahålla kontoinformationstjänster i Sverige utan att ansöka om tillstånd här i landet. Det innebär att ett sådant företag inte heller behöver ansöka om undantag från tillståndsplikt för att få tillhandahålla betaltjänster i Sverige. Bestämmelsen är en konsekvens av att rätten enligt direktivet att tillhandahålla tjänster i andra länder inom EES än hemlandet gäller även för dessa betaltjänstleverantörer (se skäl 48 och artikel 33.2).</P>
<P class="p1084 ft5"><SPAN class="ft5">I</SPAN><SPAN class="ft90">tredje stycket </SPAN>anges vid vilken tidpunkt ett utländskt företag får till- handahålla betaltjänster genom ombud eller filial i Sverige. Företaget får tillhandahålla betaltjänster först efter det att Finansinspektionen har tagit emot ett beslut från den behöriga myndigheten i det andra landet om att ombudet eller filialen har registrerats av den myndigheten (jfr 18 a § andra stycket och 20 § andra stycket när det gäller svenska företag som ska tillhandahålla betaltjänster i ett annat land inom EES). Något krav på att Finansinspektionen har tagit emot ett beslut från den behöriga myndigheten i det andra landet gäller således inte för att ett utländskt företag ska få tillhandahålla tjänster i Sverige gränsöverskridande från hemlandet utan ombud eller filial här i landet. Av direktivet följer dock att ett utländskt företag ska underrätta den behöriga myndigheten i hemlandet innan det tillhandahåller tjänster i ett annat land inom EES (artikel 28.1, jfr 22 § när det gäller svenska företag). Den som har undan- tagits från tillståndsplikt enligt andra stycket kan vara en fysisk eller en juridisk person (jfr 2 kap. 3 §). I stycket omfattar termen företag således verksamhet oavsett i vilken form den drivs.</P>
<P class="p1101 ft59">Paragrafen har utformats i enlighet med <SPAN class="ft54">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 7.3.3 och 13.2.6.</P>
<P class="p335 ft42">27 §</P>
<P class="p872 ft76">Paragrafen genomför delvis artiklarna 11.9 och 28.2 i andra betaltjänst- direktivet.</P>
<P class="p213 ft6">Paragrafen innehåller i nuvarande lydelse en bestämmelse om när ett utländskt företag får tillhandahålla betaltjänster i Sverige. Den bestäm- melsen utgår och i stället införs bestämmelser om vad Finansinspek- tionen ska göra när den får en underrättelse från en behörig myndighet i ett annat land inom EES om att ett utländskt företag avser att tillhanda- hålla betaltjänster i Sverige.</P>
<P class="p214 ft40">Finansinspektionen ska i ett sådant fall, inom en månad från att under- rättelsen togs emot lämna relevanta uppgifter till den behöriga myndig- heten i det andra landet om företagets verksamhet i Sverige. Om betal- tjänster ska tillhandahållas genom ombud eller filial ska Finansinspek- tionen göra en bedömning av om det utländska företagets verksamhet innebär en risk för penningtvätt eller finansiering av terrorism. Bedöm- ningen kommer sedan att beaktas av myndigheten i det andra landet när</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_347">
<P class="p490 ft3">den beslutar om registrering av ett ombud eller en filial (jfr 20 § tredje Prop. 2017/18:77 stycket).</P>
<P class="p1102 ft76">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft50">Lagrådet</SPAN>. Övervägandena finns i avsnitt 13.2.4.</P>
<P class="p4 ft42">28 §</P>
<P class="p469 ft3">Paragrafen genomför delvis artiklarna 19.6, 28.1 andra stycket och 33.1 i andra betaltjänstdirektivet.</P>
<P class="p12 ft6">Paragrafen reglerar betaltjänstleverantörers rätt att utkontraktera vissa arbetsuppgifter och vissa operativa funktioner till andra samt en skyldig- het att anmäla detta till Finansinspektionen.</P>
<P class="p12 ft6">Genom tillägget i <SPAN class="ft4">första stycket </SPAN>av en ny <SPAN class="ft4">tredje mening </SPAN>följer det att en anmälan om uppdragsavtal inte behöver göras av en betaltjänstleverantör som tillhandahåller kontoinformationstjänster. Om leverantören även tillhandahåller någon annan betaltjänst gäller kravet på anmälan i <SPAN class="ft4">andra meningen </SPAN>i den verksamheten.</P>
<P class="p1103 ft3">Övervägandena finns i avsnitt 7.3.3.</P>
<P class="p1066 ft42">28 a §</P>
<P class="p469 ft3">Paragrafen, som är ny, genomför delvis artiklarna 19.8, 28.1 andra stycket och 28.4 i andra betaltjänstdirektivet.</P>
<P class="p12 ft6">Paragrafen innehåller bestämmelser som gäller vid ändringar i verk- samhet som ett betalningsinstitut eller en registrerad betaltjänstleverantör har utkontrakterat.</P>
<P class="p57 ft40">I <SPAN class="ft39">första stycket </SPAN>anges att en betaltjänstleverantör som avser att göra ändringar i verksamhet som den har uppdragit åt någon annan att utföra ska anmäla detta till Finansinspektionen innan ändringen genomförs.</P>
<P class="p57 ft70"><SPAN class="ft81">Andra stycket </SPAN>gäller enbart anmälningar från betalningsinstitut och innebär att om ändringen rör ett instituts verksamhet i ett annat land inom EES ska Finansinspektionen underrätta den behöriga myndigheten i det landet om ändringen inom en månad från det att anmälan togs emot.</P>
<P class="p1104 ft59">Paragrafen har utformats i enlighet med <SPAN class="ft54">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 13.1.4 och 13.2.7.</P>
<P class="p4 ft42">4 kap.</P>
<P class="p65 ft42">2 §</P>
<P class="p1032 ft3">Paragrafen genomför artikel 60 i andra betaltjänstdirektivet.</P>
<P class="p12 ft3">Paragrafen reglerar situationer då en betalningsmottagare erbjuder nedsättning av en kostnad och då en betaltjänstleverantör begär en avgift vid användning av ett visst betalningsinstrument.</P>
<P class="p57 ft5">I <SPAN class="ft41">andra stycket </SPAN>införs förutsättningar för att en betaltjänstleverantör ska få ta ut en avgift vid användning av ett visst betalningsinstrument. För att en betaltjänstanvändare ska vara skyldig att betala avgiften krävs att betaltjänstleverantören informerat användaren om det sammanlagda avgiftsbeloppet innan transaktionen påbörjas. Kravet på information gäller i fråga om avgifter utöver sådana om vilka information ska lämnas enligt andra bestämmelser, t.ex. 4 och 10 §§.</P>
<P class="p13 ft6">Övervägandena finns i avsnitt 14.12.</P>
<P class="p160 ft3">347</P>
</DIV>
<DIV id="page_348">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">348</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft42">3 §</P>
<P class="p45 ft3">Paragrafen genomför artikel 59 i andra betaltjänstdirektivet.</P>
<P class="p213 ft3">Paragrafen reglerar när information ska lämnas om avgifter och växel- kurs i samband med valutaväxling.</P>
<P class="p463 ft5">I <SPAN class="ft41">första stycket </SPAN>görs ett tillägg som gäller valutaväxling som erbjuds i samband med uttag i uttagsautomater. Ändringen innebär att skyldig- heten att lämna information om avgifter och växelkurs även gäller när valutaväxling erbjuds i en uttagsautomat. Vissa tjänster som består av uttag av kontanter med hjälp av uttagsautomater omfattas enligt 1 kap. 6 b § inte av lagen, men där undantas bl.a. denna paragraf. Av 1 kap. 6 b § följer att informationen i de fallen ska lämnas innan uttaget görs och när kontanterna lämnas ut. När det gäller kravet att informationen ska lämnas innan uttaget görs bör det vara tillräckligt att informationen tydligt anges på uttagsautomatens skärm innan uttaget slutförs.</P>
<P class="p1105 ft3">Övriga ändringar i paragrafen är endast språkliga. Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 14.13.</P>
<P class="p801 ft42">3 a §</P>
<P class="p757 ft3">Paragrafen, som är ny, genomför delvis artikel 106.3 och 106.5 i andra betaltjänstdirektivet.</P>
<P class="p1106 ft3">I paragrafen finns bestämmelser om att betaltjänstleverantörer ska till- handahålla informationsmaterial om konsumenters rättigheter.</P>
<P class="p463 ft5">Det informationsmaterial som avses i paragrafen är den broschyr som kommissionen ska utarbeta enligt artikel 106.1 i direktivet. Det är fråga om en användarvänlig, elektronisk broschyr som på ett tydligt och lättillgängligt sätt ska redogöra för konsumenters rättigheter enligt direktivet och annan unionsrätt på närliggande områden. Broschyren ska tas fram av kommissionen senast den 13 januari 2018.</P>
<P class="p463 ft40">Regeringen eller den myndighet som regeringen bestämmer får med stöd av ett nytt bemyndigande i 22 § meddela föreskrifter om hur informationsmaterialet ska göras tillgängligt för betaltjänstanvändare.</P>
<P class="p463 ft6">Av 1 § följer att en betaltjänstleverantör inte får ta ut någon avgift av en betaltjänstanvändare för tillhandahållande av denna information.</P>
<P class="p606 ft3">Övervägandena finns i avsnitt 14.15.</P>
<P class="p316 ft42">4 a §</P>
<P class="p1107 ft64">Paragrafen, som är ny, genomför artikel 45.2 i andra betaltjänstdirektivet. I paragrafen föreskrivs vilken information som leverantören av betal- ningsinitieringstjänster, utöver vad som följer av 4 §, ska ge till betalaren</P>
<P class="p15 ft3">innan en betalningsorder initieras.</P>
<P class="p213 ft6">I <SPAN class="ft4">punkt 4 </SPAN>föreskrivs att leverantören av betalningsinitieringstjänster ska tillhandahålla kontaktuppgifter till Finansinspektionen. Detta kan t.ex. vara telefonnummer, postadress eller <NOBR>e-postadress.</NOBR></P>
<P class="p1085 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.2.3.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_349">
<DIV>
<DIV id="id_1">
<P class="p15 ft42">4 b §</P>
<P class="p761 ft3">Paragrafen, som är ny, genomför delvis artiklarna 33.2 och 45.1 i andra betaltjänstdirektivet.</P>
<P class="p514 ft6">Paragrafen innehåller bestämmelser om vilken information som en leverantör av kontoinformationstjänster ska ge betaltjänstanvändaren innan ett avtal om en enstaka tillhandahållande av en kontoinformations- tjänst ingås.</P>
<P class="p611 ft5">Enligt <SPAN class="ft41">första stycket </SPAN>ska leverantören av kontoinformationstjänster bl.a. informera om vilka uppgifter som användaren ska lämna för att konto- informationstjänsten ska kunna utföras korrekt (<SPAN class="ft41">punkt 1</SPAN>). Det kan t.ex. vara namnet på användarens bank, användarens personuppgifter samt kod och inloggningssätt. På samma sätt som när det gäller avtal om enstaka betalningstransaktioner (se 4 §) ska en leverantör av kontoinformations- tjänster informera om det sammanlagda avgiftsbelopp som användaren ska betala till leverantören (<SPAN class="ft41">punkt 3</SPAN>).</P>
<P class="p786 ft3">Om avgiftsbeloppet består av flera delar som lätt kan särskiljas, ska dessa, enligt <SPAN class="ft4">andra stycket</SPAN>, redovisas separat.</P>
<P class="p514 ft3">Enligt <SPAN class="ft4">tredje stycket </SPAN>ska leverantören hålla information enligt 10 § tillgänglig.</P>
<P class="p514 ft6">Det följer av 9 § att leverantören inte är skyldig att lämna information enligt förevarande paragraf om sådan information redan ges eller kommer att ges till användaren på grundval av ett ramavtal mellan användaren och en annan betaltjänstleverantör.</P>
<P class="p1108 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.3.4.</P>
<P class="p335 ft42">5 §</P>
<P class="p1109 ft3">Paragrafen genomför artikel 44.1 i andra betaltjänstdirektivet. Paragrafen innehåller krav på den förhandsinformation som en</P>
<P class="p15 ft3">betaltjänstleverantör ska lämna till betaltjänstanvändaren.</P>
<P class="p611 ft5"><SPAN class="ft41">Första stycket </SPAN>ändras på så sätt att de i paragrafen angivna formkraven även ska gälla för den information som en leverantör av betalningsinitie- ringstjänster respektive en leverantör av kontoinformationstjänster ska lämna betaltjänstanvändaren enligt 4 a respektive 4 b §.</P>
<P class="p106 ft3">Övervägandena finns i avsnitten 7.2.3 och 7.3.4.</P>
<P class="p316 ft42">6 §</P>
<P class="p1110 ft40">Paragrafen genomför artikel 44.2 i andra betaltjänstdirektivet. Paragrafen behandlar de fall där ett avtal om en enstaka betalnings-</P>
<P class="p758 ft6">transaktion ingås på distans och betaltjänstleverantören därför inte har möjlighet att uppfylla kraven om att tillhandahålla information. I dessa fall ska informationen lämnas omedelbart efter det att betaltjänsten har genomförts.</P>
<P class="p611 ft5">Ändringen i <SPAN class="ft41">första stycket </SPAN>innebär att möjligheten att lämna informa- tion senare också omfattar den information som leverantören av betal- ningsinitieringstjänster ska tillhandahålla enligt 4 a §. Bestämmelsen gäller inte för leverantörer av kontoinformationstjänster eftersom de inte genomför betalningstransaktioner.</P>
<P class="p1111 ft3">Övervägandena finns i avsnitt 7.2.3.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">349</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_350">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">350</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft42">7 §</P>
<P class="p45 ft3">Paragrafen genomför artikel 48 i andra betaltjänstdirektivet.</P>
<P class="p213 ft3">Paragrafen innehåller bestämmelser om vilken information som en betaltjänstleverantör ska tillhandahålla betalaren efter det att en betal- ningsorder har tagits emot.</P>
<P class="p463 ft5">I <SPAN class="ft41">första stycket </SPAN>görs ett tillägg som klargör att den informationsskyldig- het som bestämmelsen föreskriver gäller för den kontoförvaltande betal- tjänstleverantören. Detta förtydligande görs med anledning av att en lev- erantör av betalningsinitieringstjänster också är en betaltjänstleverantör.</P>
<P class="p1112 ft3">Övervägandena finns i avsnitt 7.2.3.</P>
<P class="p316 ft42">7 a §</P>
<P class="p757 ft3">Paragrafen, som är ny, genomför delvis artikel 46 och artikel 47 i andra betaltjänstdirektivet.</P>
<P class="p463 ft5">Paragrafen innehåller krav på den information som leverantören av en betalningsinitieringstjänst ska tillhandahålla betalaren efter det att en betalningsorder initierats. Kravet gäller inte om sådan information redan ges eller kommer att ges till betaltjänstanvändaren på grundval av ett ramavtal mellan användaren och en annan betaltjänstleverantör (se 9 §).</P>
<P class="p462 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft179">första stycket </SPAN>anges vilken information som leverantören av betal- ningsinitieringstjänster ska lämna till eller göra tillgänglig för betalaren sedan en initiering av betalningsordern genomförts. Informationen ska enligt bestämmelsen tillhandahållas omedelbart efter initieringen av en betalningsorder.</P>
<P class="p214 ft5">När en betalningsorder initieras via en leverantör av betalnings- initieringstjänster tar leverantören i normalfallet emot ordern på elektronisk väg. Det bör därför vara möjligt för leverantören att omgående lämna information till betalaren eller göra den tillgänglig för denne någon minut efter det att initieringen gjorts, t.ex. genom ett <NOBR>e-postmeddelande,</NOBR> för att uppfylla kravet på att informationen ska tillhandahållas omedelbart.</P>
<P class="p1113 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft53">andra stycket </SPAN>föreskrivs att leverantören ska ge detaljerad information om avgiftsbeloppet enligt första stycket 5 när avgifterna lätt kan sär- skiljas och redovisas separat.</P>
<P class="p213 ft6"><SPAN class="ft4">Tredje stycket </SPAN>innehåller krav på att leverantören av betalnings- initieringstjänsten ska göra referensen för betalningstransaktionen till- gänglig för betalarens kontoförvaltande betaltjänstleverantör.</P>
<P class="p1114 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.2.3.</P>
<P class="p801 ft42">8 a §</P>
<P class="p757 ft3">Paragrafen, som är ny, genomför delvis artikel 46 i andra betaltjänst- direktivet.</P>
<P class="p213 ft6">I paragrafen anges vilken information som leverantören av en betal- ningsinitieringstjänst ska tillhandahålla betalningsmottagaren efter initieringen av en betalningsorder. I likhet med vad som gäller enligt 7 a § ska informationen tillhandahållas omedelbart efter det att initieringen gjorts, se författningskommentaren till den paragrafen.</P>
<P class="p1115 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.2.3.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_351">
<DIV>
<DIV id="id_1">
<P class="p15 ft42">9 §</P>
<P class="p1109 ft3">Paragrafen genomför artikel 43.2 i andra betaltjänstdirektivet. Paragrafen innehåller ett undantag från den informationsskyldighet</P>
<P class="p513 ft70">som gäller för en betaltjänstleverantör som genomför en betalnings- transaktion om den aktuella informationen redan ges till betaltjänst- användaren med stöd av ett ramavtal med en annan betaltjänstleverantör.</P>
<P class="p514 ft3">Ändringen innebär att undantaget gäller även den information som en leverantör av en betalningsinitieringstjänst ska tillhandahålla betalaren efter att en betalningsorder initierats.</P>
<P class="p514 ft6">I paragrafen görs även ändringar av hänvisningar med anledning av de nya paragrafer som införs.</P>
<P class="p103 ft3">Övervägandena finns i avsnitt 7.2.3.</P>
<P class="p794 ft42">10 §</P>
<P class="p802 ft76">Paragrafen genomför delvis artikel 33.2 och artikel 52 i andra betal- tjänstdirektivet.</P>
<P class="p514 ft6">I paragrafen regleras den förhandsinformation som en betaltjänst- leverantör ska ge betaltjänstanvändaren i rimlig tid innan ett ramavtal ingås.</P>
<P class="p611 ft5">I paragrafen görs bl.a. tillägg som rör informationskrav vid tillhanda- hållande av kontoinformationstjänster. Eftersom leverantörer av konto- informationstjänster är betaltjänstleverantörer enligt definitionen i 1 kap. 3 § 3 och det tillägg som görs i 2 kap. 3 § fjärde stycket, gäller para- grafen i sin helhet även dem. Flera av punkterna (punkterna <NOBR>5–12)</NOBR> gäller genomförande av betalningstransaktioner och de är därför inte tillämp- liga vid tillhandahållande av kontoinformationstjänster, även om detta inte uttryckligen anges i paragrafen.</P>
<P class="p106 ft3">Ändringen i inledningen av paragrafen är endast språklig.</P>
<P class="p514 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft181">punkterna 4 </SPAN>och <SPAN class="ft4">8 </SPAN>görs tillägg med anledning av att paragrafen är tillämplig även för leverantörer av kontoinformationstjänster.</P>
<P class="p514 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft52">punkt 5 </SPAN>görs ett tillägg med anledning av att paragrafen är tillämplig även för leverantörer av betalningsinitieringstjänster.</P>
<P class="p611 ft5"><SPAN class="ft41">Punkt 10</SPAN>, som är ny<SPAN class="ft41">, </SPAN>innehåller krav på information när det gäller kortbaserade betalningsinstrument. Information om de rättigheter som följer av artikel 8.2 i förordningen om förmedlingsavgifter ska i dessa fall lämnas till betaltjänstanvändaren. Enligt den artikeln ska en konsum- ent ha rätt att få två eller flera betalmärken på ett kortbaserat betalnings- instrument (s.k. <NOBR>co-badging),</NOBR> om betaltjänstleverantören erbjuder kort- baserade betalningsinstrument med betalmärken av olika slag. Konsum- enten ska, enligt förordningen, även få information om tillgängliga betal- märken och deras egenskaper.</P>
<P class="p773 ft3"><SPAN class="ft4">Punkt 19</SPAN>, som är ny, innebär att betaltjänstanvändaren ska informeras om vilka åtgärder som betaltjänstleverantören vidtar vid underrättelse om obehörig användning och säkerhetsrisker. Av bestämmelsen följer att åtgärderna ska vidtas på ett säkert sätt.</P>
<P class="p514 ft3"><SPAN class="ft4">Punkt 21 </SPAN>motsvarar nuvarande punkt 19. Ändringarna är en följd av att lagen om obehöriga transaktioner med betalningsinstrument upphävs och bestämmelserna i den lagen om betalarens ansvar när det gäller obe- höriga transaktioner förs över till förevarande lag.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">351</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_352">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">352</P>
</DIV>
<DIV id="id_2">
<P class="p1106 ft3">I <SPAN class="ft4">punkt 23 </SPAN>görs ett tillägg med anledning av att paragrafen är tillämplig även för leverantörer av betalningsinitieringstjänster.</P>
<P class="p1116 ft93">Paragrafen har utformats i enlighet med <SPAN class="ft182">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 7.2.4, 7.3.5 och 14.11.1.</P>
<P class="p279 ft42">15 §</P>
<P class="p757 ft3">Paragrafen genomför artikel 55 i andra betaltjänstdirektivet och artikel 12 i betalkontodirektivet.</P>
<P class="p213 ft3">Paragrafen reglerar betaltjänstanvändares och betaltjänstleverantörers uppsägning av ramavtal.</P>
<P class="p606 ft6">Ändringarna i <SPAN class="ft4">andra </SPAN>och <SPAN class="ft4">fjärde styckena </SPAN>är endast redaktionella.</P>
<P class="p463 ft5">I <SPAN class="ft41">tredje stycket </SPAN>sänks tiden från tolv till sex månader så att det är avgiftsfritt för användaren att säga upp ett ramavtal efter sex månader, oavsett om avtalet ingåtts för en bestämd tid som är längre än så eller på obestämd tid. I stycket görs även en redaktionell ändring.</P>
<P class="p1112 ft3">Övervägandena finns i avsnitt 14.11.3.</P>
<P class="p316 ft42">20 §</P>
<P class="p1087 ft64">Paragrafen genomför delvis artikel 38.1 i andra betaltjänstdirektivet. Paragrafen reglerar förutsättningarna för att en betaltjänstleverantör ska</P>
<P class="p1117 ft40">få avvika från bestämmelserna i kapitlet. Nuvarande första stycket flyttas till 1 kap. 11 §.</P>
<P class="p1118 ft3">Ändringarna i paragrafen i övrigt är endast redaktionella. Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 6.5.</P>
<P class="p335 ft42">21 §</P>
<P class="p757 ft3">Paragrafen, som är ny, innehåller en hänvisning till marknadsförings- lagens bestämmelser.</P>
<P class="p463 ft5">Hänvisningen är utformad efter förebild av bl.a. 4 kap. 20 § tredje stycket lagen om värdepappersfonder, 10 kap. 3 § tredje stycket lagen om förvaltare av alternativa investeringsfonder och 9 kap. 14 § fjärde stycket lagen om värdepappersmarknaden. Att marknadsföringslagen ska tilläm- pas utesluter inte tillämpningen av bestämmelser i förevarande lag, t.ex. de om Finansinspektionens tillsyn och om ingripanden vid överträdelser av kraven i de aktuella bestämmelserna.</P>
<P class="p1119 ft3">Övervägandena finns i avsnitt 14.15.</P>
<P class="p316 ft42">22 §</P>
<P class="p757 ft3">Paragrafen, som är ny, genomför delvis artikel 106.3 och 106.5 i andra betaltjänstdirektivet.</P>
<P class="p213 ft6">Paragrafen innehåller ett bemyndigande för regeringen eller den myndighet som regeringen bestämmer att meddela föreskrifter.</P>
<P class="p689 ft64">De föreskrifter som får meddelas enligt bestämmelsen avser hur betal- tjänstleverantörer ska göra informationsmaterial som utarbetas av kom- missionen tillgängligt för betaltjänstanvändare som är konsumenter. Kommissionen ska enligt direktivet utarbeta en användarvänlig elektron- isk broschyr som bl.a. ska handla om vilka rättigheter konsumenter har</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_353">
<P class="p490 ft3">enligt direktivet (artikel 106.1). I direktivet finns även regler om hur den Prop. 2017/18:77 informationen ska göras tillgänglig för konsumenter (artikel 106.3 och</P>
<P class="p521 ft3">106.5). De reglerna kan genomföras i svensk rätt i föreskrifter som meddelas med stöd av bemyndigandet.</P>
<P class="p13 ft3">Övervägandena finns i avsnitt 14.15.</P>
<P class="p1069 ft42">4 a kap.</P>
<P class="p876 ft42">5 §</P>
<P class="p492 ft3">Paragrafen reglerar information om tjänster och avgifter i samband med skyldighet att tillhandahålla betalkonto med grundläggande funktioner (se prop. 2016/17:129).</P>
<P class="p57 ft5">I <SPAN class="ft41">fjärde stycket</SPAN>, som är nytt, införs en hänvisning till marknadsförings- lagens bestämmelser (jfr 4 kap. 21 §). Att marknadsföringslagen ska tillämpas utesluter inte tillämpningen av bestämmelser i förevarande lag, t.ex. de om Finansinspektionens tillsyn och om ingripanden vid över- trädelser av kraven i de aktuella bestämmelserna.</P>
<P class="p1073 ft3">Övervägandena finns i avsnitt 14.15.</P>
<P class="p1066 ft42">5 kap.</P>
<P class="p876 ft42">1 §</P>
<P class="p1032 ft3">Paragrafen genomför artikel 62 i andra betaltjänstdirektivet.</P>
<P class="p12 ft3">Paragrafen innehåller bestämmelser om avgiftsuttag och fördelning av avgifter för betaltjänster.</P>
<P class="p12 ft3">I <SPAN class="ft4">första stycket </SPAN>görs en följdändring med anledning av att angivna para- grafer får nya beteckningar.</P>
<P class="p12 ft6"><SPAN class="ft4">Andra stycket </SPAN>ändras på så sätt att alla betalningstransaktioner omfattas av bestämmelsen om avgiftsfördelning oavsett om transaktionen medfört en valutaväxling eller inte.</P>
<P class="p1120 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 10.</P>
<P class="p1066 ft42">3 §</P>
<P class="p1121 ft59">Paragrafen genomför artikel 64.1 och 64.2 i andra betaltjänstdirektivet. Paragrafen reglerar när en betalningstransaktion ska betraktas som</P>
<P class="p54 ft6">godkänd.</P>
<P class="p57 ft5">I paragrafen görs ett tillägg avseende vilken betaltjänstleverantör som betalaren kan lämna sitt samtycke till för att en betalningstransaktion ska betraktas som godkänd. I enlighet med <SPAN class="ft41">Lagrådets </SPAN>förslag görs också ett tillägg så att det framgår av paragrafen att betalaren ska ha lämnat ett uttryckligt samtycke för att betalningstransaktionen ska anses som godkänd. Skälet till detta är att ett sådant samtycke regelmässigt sker genom en aktiv handling, och inte kan lämnas genom passivitet.</P>
<P class="p1074 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.2.5.</P>
<P class="p1122 ft3">353</P>
</DIV>
<DIV id="page_354">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">354</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft42">5 §</P>
<P class="p757 ft3">Paragrafen genomför delvis artikel 69.1 a och artikel 70.1 i andra betal- tjänstdirektivet.</P>
<P class="p213 ft3">Paragrafen reglerar betaltjänstleverantörens skyldigheter avseende betalningsinstrument.</P>
<P class="p463 ft5">I <SPAN class="ft41">första stycket </SPAN>behandlas betaltjänstleverantörens skyldigheter när det gäller utgivning av betalningsinstrument. I <SPAN class="ft41">punkt 1 </SPAN>införs ett krav på att villkoren för utgivning och användning av betalningsinstrument ska vara objektiva, <NOBR>icke-diskriminerande</NOBR> och proportionella. Leverantören får t.ex. inte ställa krav på betaltjänstanvändaren som begränsar användningen av betalningsinstrumentet mer än som behövs för att minska risken för bedrägerier eller andra former av missbruk. Villkoren får inte heller hindra användaren från att använda sig av tjänster som tillhandahålls av andra betaltjänstleverantörer, som t.ex. leverantörer av betalnings- initieringstjänster eller kontoinformationstjänster.</P>
<P class="p1123 ft3">Ändringen i <SPAN class="ft4">punkt 2 </SPAN>innebär att det är de personliga behörighets- funktionerna som är knutna till det enskilda betalningsinstrumentet som betaltjänstleverantören är skyldig att skydda. En definition av personliga behörighetsfunktioner finns i 1 kap. 4 §.</P>
<P class="p463 ft5">Av <SPAN class="ft41">tredje stycket</SPAN>, som är nytt, följer att en anmälan om att ett betalnings- instrument kommit bort eller obehörigen använts ska vara avgiftsfri för betaltjänstanvändaren och att betaltjänstleverantören endast får ta ut av- gift för de kostnader som är direkt hänförliga till ersättandet av betalningsinstrumentet. Sådana ersättningskostnader kan vara kostnader för ersättningskort, utskick av ny <NOBR>PIN-kod</NOBR> eller nytt <NOBR>Bank-ID.</NOBR></P>
<P class="p1106 ft3">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P>
<P class="p606 ft3">Övervägandena finns i avsnitt 8.3.3.</P>
<P class="p316 ft42">6 §</P>
<P class="p757 ft3">Paragrafen, som är ny, genomför delvis artikel 69 i andra betaltjänst- direktivet.</P>
<P class="p213 ft6">I paragrafen anges vilka skyldigheter betaltjänstanvändaren har i fråga om användning av ett betalningsinstrument. Paragrafen överensstämmer i huvudsak med 4 § lagen om obehöriga transaktioner med betalnings- instrument. I stället för kontohavare används dock termen betaltjänst- användare.</P>
<P class="p463 ft64">I <SPAN class="ft63">första stycket 1 </SPAN>används uttrycket personliga behörighetsfunktioner i stället för den personliga koden som används i 4 § 1 lagen om obehöriga transaktioner med betalningsinstrument. En definition av personliga behörighetsfunktioner finns i 1 kap. 4 §. Termen personliga behörighets- funktioner har en vidare innebörd och omfattar även andra funktioner än en personlig kod. Exempel på sådana funktioner kan vara användningen av biometrisk information, t.ex. att en betalning autentiseras med hjälp av betalarens fingeravtryck. Troligen kommer det i en nära framtid även att utvecklas andra funktioner för autentiseringsändamål, som är säkrare än användningen av en personlig kod.</P>
<P class="p880 ft93"><SPAN class="ft182">Punkt 2 </SPAN>överensstämmer med 4 § 2 lagen om obehöriga transaktioner med betalningsinstrument (se prop. 2009/10:122 s. 25 f.).</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_355">
<P class="p565 ft3"><SPAN class="ft4">Punkt 3 </SPAN>motsvarar i huvudsak 4 § 3 lagen om obehöriga transaktioner Prop. 2017/18:77 med betalningsinstrument. Punkten justeras dock i förhållande till</P>
<P class="p521 ft6">nuvarande lydelse och utredningens förslag på så sätt att ”kontoavtalet” inte pekas ut specifikt eftersom villkor för användning av betalnings- instrument inte alltid finns i kontoavtalet utan kan finnas i ett annat kund- avtal, t.ex. internetbanksavtal eller liknande.</P>
<P class="p12 ft3">I <SPAN class="ft4">andra stycket </SPAN>finns en hänvisning till 5 a kap. 3 § där det framgår att en betaltjänstanvändare kan bli ansvarig om skyldigheterna i första stycket har åsidosatts.</P>
<P class="p57 ft5">Paragrafen har utformats i enlighet med <SPAN class="ft41">Lagrådets </SPAN>förslag. Lagrådet, som bedömer att regleringen om betaltjänstanvändarens ansvar i realiteten endast torde ha betydelse för en kontohavares ansvar för en obehörig transaktion vid grov oaktsamhet, anser i första hand att skyldig- heterna bör placeras i anslutning till den regleringen. Regeringen bedömer dock att bestämmelsen skulle kunna få betydelse även i andra fall än för kontohavarens ansvar för obehöriga transaktioner, t.ex. som grund för betaltjänstleverantören att bryta avtalet med kunden om denne åsidosätter sina skyldigheter enligt paragrafen. Som anges i avsnitt 8.2 anser regeringen också att det är lämpligt att samla bestämmelserna om betaltjänstanvändarens respektive betaltjänstleverantörens skyldigheter vid utgivning och användning av betalningsinstrument. Regeringen anser därför inte att bestämmelsen bör placeras i 5 a kap.</P>
<P class="p1018 ft3">Övervägandena finns i avsnitt 8.3.2.</P>
<P class="p1066 ft42">7 §</P>
<P class="p469 ft3">Paragrafen, som är ny, genomför artikel 66.1 och 66.5 i andra betaltjänst- direktivet.</P>
<P class="p12 ft3">Paragrafen reglerar rätten för betaltjänstanvändaren att använda betal- ningsinitieringstjänster.</P>
<P class="p57 ft5">I bestämmelsen anges att betaltjänstanvändaren har rätt att använda de tjänster som en leverantör av betalningsinitieringstjänster tillhandahåller. Denna rätt gäller i förhållande till den kontoförvaltande betaltjänst- leverantören och förutsätter inte att det finns ett avtal mellan användarens kontoförvaltande betaltjänstleverantör och leverantören av betalnings- initieringstjänster. Det krävs således inte att den kontoförvaltande betaltjänstleverantören godkänner att användaren ska få använda sig av sådana tjänster. En grundläggande förutsättning för att användaren ska kunna använda en betalningsinitieringstjänst är dock att betalkontot från vilket initieringen ska göras är tillgängligt online.</P>
<P class="p1124 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.2.6.</P>
<P class="p1069 ft42">8 §</P>
<P class="p469 ft3">Paragrafen, som är ny, genomför artikel 66.3 a och <NOBR>e–h</NOBR> i andra betal- tjänstdirektivet.</P>
<P class="p58 ft40">I paragrafen föreskrivs vilka skyldigheter som ankommer på leveran- tören av betalningsinitieringstjänster i samband med initiering av en betalningstransaktion. Leverantören får bl.a. aldrig vid någon tidpunkt</P>
<P class="p863 ft3">355</P>
</DIV>
<DIV id="page_356">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">356</P>
</DIV>
<DIV id="id_2">
<P class="p460 ft3">inneha betalarens medel. En definition av känsliga betalningsuppgifter finns i 1 kap. 4 §.</P>
<P class="p1106 ft3">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P>
<P class="p606 ft3">Övervägandena finns i avsnitt 7.2.7.</P>
<P class="p801 ft42">9 §</P>
<P class="p757 ft3">Paragrafen, som är ny, genomför artikel 66.3 b och c i andra betaltjänst- direktivet.</P>
<P class="p213 ft6">I paragrafen anges ytterligare skyldigheter, utöver de som anges i 8 §, för leverantören av betalningsinitieringstjänster i samband med tillhanda- hållandet av sina tjänster.</P>
<P class="p1115 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.2.7.</P>
<P class="p801 ft42">10 §</P>
<P class="p757 ft3">Paragrafen, som är ny, genomför artikel 66.3 d i andra betaltjänstdirek- tivet.</P>
<P class="p463 ft5">I paragrafen föreskrivs att leverantören av betalningsinitieringstjänster ska identifiera sig gentemot den kontoförvaltande betaltjänstleverantören varje gång en betalning initieras. Detta innebär, till skillnad från vad som ofta är fallet i dag, att den kontoförvaltande betaltjänstleverantören ska få kännedom om att initiering görs via en leverantör av sådana tjänster.</P>
<P class="p1115 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.2.7.</P>
<P class="p335 ft42">11 §</P>
<P class="p757 ft3">Paragrafen, som är ny, genomför delvis artikel 66.2 och artikel 66.4 b i andra betaltjänstdirektivet.</P>
<P class="p463 ft5">I paragrafen anges vilka skyldigheter som ankommer på den konto- förvaltande betaltjänstleverantören när en betalningstransaktion initieras via en leverantör av betalningsinitieringstjänster. Den information som den kontoförvaltande betaltjänstleverantören ska lämna enligt bestämmelsen ska lämnas omedelbart efter att betalningsordern tagits emot från leveran- tören av betalningsinitieringstjänster.</P>
<P class="p1115 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.2.8.</P>
<P class="p335 ft42">12 §</P>
<P class="p757 ft3">Paragrafen, som är ny, genomför delvis artikel 66.2 och artikel 66.4 c i andra betaltjänstdirektivet.</P>
<P class="p463 ft64">Paragrafen innehåller ett krav på likabehandling när det gäller betal- ningsorder som tas emot direkt från betalaren och betalningsorder som kommer från betalaren via en leverantör av betalningsinitieringstjänster. En kontoförvaltande betaltjänstleverantör får således t.ex. inte ta ut en högre avgift för behandling av en betalningsorder endast på grund av att den initierats via en leverantör av betalningsinitieringstjänster. Skillnader i behandling får förekomma endast om det finns objektiva skäl för det, som</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_357">
<P class="p557 ft3">att den kontoförvaltande betaltjänstleverantören kan styrka att leverantören Prop. 2017/18:77 av betalningsinitieringstjänster har obehörig tillgång till det aktuella betal-</P>
<P class="p15 ft3">kontot.</P>
<P class="p408 ft6">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P>
<P class="p103 ft3">Övervägandena finns i avsnitt 7.2.8.</P>
<P class="p794 ft42">13 §</P>
<P class="p1125 ft76">Paragrafen, som är ny, genomför delvis artikel 66.2 och 66.3 d och artikel 66.4 a i andra betaltjänstdirektivet.</P>
<P class="p457 ft70">Av paragrafen följer att den kontoförvaltande betaltjänstleverantören och leverantören av betalningsinitieringstjänster ska tillämpa säker kom- munikation mellan varandra. Uttrycket säker kommunikation definieras i 1 kap. 4 § och innebär sådan kommunikation som uppfyller kraven i de tekniska standarder för stark kundautentisering och gemensamma och öppna säkra kommunikationsstandarder som antagits av kommissionen (Commission delegated regulation [EU] supplementing Directive 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication [C(2017)7782], som ännu inte finns i svensk språkversion). Leverantören av betalnings- initieringstjänster ska också använda detta sätt för kommunikation med betalaren och betalningsmottagaren.</P>
<P class="p1126 ft3">De tekniska standarderna, som nämns ovan, ska börja tillämpas 18 månader efter att de trätt i kraft. Av det skälet ska paragrafen enligt punkt 4 i övergångsbestämmelserna till denna lag träda i kraft vid en senare tidpunkt än övriga bestämmelser i lagen.</P>
<P class="p1127 ft59">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft54">Lagrådet</SPAN>. Övervägandena finns i avsnitten 5.3.16, 7.2.7 och 7.2.8.</P>
<P class="p272 ft42">14 §</P>
<P class="p1099 ft3">Paragrafen, som är ny, genomför artikel 67.1 och 67.4 i andra betaltjänst- direktivet.</P>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr28 td298"><P class="p90 ft3">Paragrafen reglerar rätten för betaltjänstanvändaren att använda de</P></TD>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">tjänster som en leverantör av kontoinformationstjänster tillhandahåller.</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">Denna rätt gäller i förhållande till den kontoförvaltande betaltjänstleveran-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">tören och förutsätter inte att det finns ett avtal mellan användarens konto-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">förvaltande betaltjänstleverantör och leverantören av betalningsinitierings-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">tjänster. Det krävs således inte att den kontoförvaltande betaltjänstleveran-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">tören godkänner att användaren ska få använda sig av sådana tjänster. En</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">grundläggande förutsättning för att användaren ska kunna utnyttja en</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">kontoinformationstjänst är dock att betalkontot från vilket information</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">begärs är tillgängligt online.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p90 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td298"><P class="p90 ft3">Övervägandena finns i avsnitt 7.3.8.</P></TD>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr45 td298"><P class="p3 ft42">15 §</P></TD>
<TD class="tr45 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr24 td298"><P class="p3 ft3">Paragrafen, som är ny, genomför artikel 67.2 a och <NOBR>d–f</NOBR> i andra betal-</P></TD>
<TD class="tr24 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p3 ft3">tjänstdirektivet.</P></TD>
<TD class="tr20 td78"><P class="p17 ft3">357</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_358">
<P class="p589 ft59">Prop. 2017/18:77 Paragrafen anger begränsningar när det gäller vad en leverantör av konto- informationstjänster får göra när denne tillhandahåller sådana tjänster.</P>
<P class="p482 ft6">Enligt <SPAN class="ft4">första stycket 1 </SPAN>får leverantören inte tillhandahålla kontoinfor- mationstjänster utan betaltjänstanvändarens uttryckliga godkännande. Att ett uttryckligt godkännande krävs innebär att det ska vara tydligt att betaltjänstanvändaren aktivt tagit ställning till om han eller hon beställt tjänsten eller inte.</P>
<P class="p482 ft3">Enligt <SPAN class="ft4">punkt 2 </SPAN>får leverantören inte begära känsliga betalningsuppgifter som är kopplade till kontot. En definition av känsliga betalningsuppgifter finns i 1 kap. 4 §.</P>
<P class="p486 ft5">Enligt <SPAN class="ft41">punkt 3 </SPAN>får leverantören inte använda, ha tillgång till eller lagra uppgifter för andra ändamål än för att genomföra den kontoinformations- tjänst som uttryckligen begärs av betaltjänstanvändaren.</P>
<P class="p486 ft5">För utförande av de kontoinformationstjänster som regleras i lagen gäller, enligt <SPAN class="ft41">andra stycket</SPAN>, att leverantören endast ska ha tillgång till information från de betalkonton som angetts av betaltjänstanvändaren och sådana betalningstransaktioner som hör till kontona. Exempel på information som kommer från ett betalkonto är saldo, hur saldot utvecklats över tid, uppgifter om ränta på kontot, <NOBR>e-fakturor</NOBR> och förvalda betalningsmottagare. När det gäller information som kommer från andra konton och som finns hos den kontoförvaltande betaltjänstleverantören regleras inte tillgången till sådan i direktivet, och därmed inte heller i denna lag. Tillgången till annan information kommer därför även i fortsättningen att vara ett område där det råder avtalsfrihet</P>
<P class="p1128 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.3.9.</P>
<P class="p780 ft42">16 §</P>
<P class="p1129 ft3">Paragrafen, som är ny, genomför artikel 67.2 b i andra betaltjänst- direktivet.</P>
<P class="p482 ft3">Paragrafen innehåller krav som en leverantör av kontoinformations- tjänster ska uppfylla.</P>
<P class="p482 ft6">Enligt bestämmelsen ska leverantören av kontoinformationstjänster se till att endast behöriga personer har tillgång till betaltjänstanvändarens personliga behörighetsfunktioner och att sådana uppgifter överförs på ett säkert och effektivt sätt. En definition av personliga behörighetsfunk- tioner finns i 1 kap. 4 §.</P>
<P class="p1060 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.3.9.</P>
<P class="p998 ft42">17 §</P>
<P class="p1058 ft76">Paragrafen, som är ny, genomför delvis artikel 67.2 c i andra betaltjänst- direktivet.</P>
<P class="p486 ft40">Paragrafen föreskriver att leverantören av kontoinformationstjänster ska identifiera sig gentemot den kontoförvaltande betaltjänstleverantören vid varje kommunikationssession. Det innebär således att den kontoförvalt- ande betaltjänstleverantören har rätt att få vetskap om att kontoinforma- tion begärs via en leverantör av sådana tjänster.</P>
<P class="p1130 ft3">358</P>
</DIV>
<DIV id="page_359">
<TABLE cellpadding=0 cellspacing=0 class="t126">
<TR>
<TD class="tr19 td316"><P class="p3 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P></TD>
<TD class="tr19 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr20 td316"><P class="p3 ft3">Övervägandena finns i avsnitt 7.3.9.</P></TD>
<TD class="tr20 td115"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p1131 ft42">18 §</P>
<P class="p469 ft3">Paragrafen, som är ny, genomför artikel 67.3 b i andra betaltjänstdirek- tivet.</P>
<P class="p12 ft6">I paragrafen anges att den kontoförvaltande betaltjänstleverantören får behandla en begäran om uppgifter som överförs via en leverantör av kontoinformationstjänster på ett annat sätt än betalningsorder som över- förs direkt av betalaren endast om det finns objektiva skäl. I fråga om vad som kan utgöra sådana objektiva skäl, se författningskommentaren till 12 §.</P>
<P class="p524 ft3">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P>
<P class="p13 ft3">Övervägandena finns i avsnitt 7.3.10.</P>
<P class="p1132 ft42">19 §</P>
<P class="p492 ft76">Paragrafen, som är ny, genomför delvis artikel 67.2 c och artikel 67.3 a i andra betaltjänstdirektivet.</P>
<P class="p57 ft5">Av paragrafen följer att den kontoförvaltande betaltjänstleverantören och leverantören av kontoinformationstjänster ska tillämpa säker kommunikation mellan varandra. Bestämmelsen motsvarar det som gäller kommunikationen mellan den kontoförvaltande betaltjänstleverantören och leverantören av betalningsinitieringstjänster enligt 13 §, se författ- ningskommentaren till den paragrafen.</P>
<P class="p1133 ft59">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft54">Lagrådet</SPAN>. Övervägandena finns i avsnitten 5.3.16, 7.3.9 och 7.3.10.</P>
<P class="p4 ft42">20 §</P>
<P class="p492 ft76">Paragrafen, som är ny, genomför delvis artikel 68.5 och artikel 68.6 i andra betaltjänstdirektivet.</P>
<P class="p12 ft6">Paragrafen innehåller bestämmelser om den kontoförvaltande betal- tjänstleverantörens skyldighet att ge en leverantör av betalningsiniti- eringstjänster eller kontoinformationstjänster tillgång till en betaltjänst- användares betalkonto.</P>
<P class="p57 ft5"><SPAN class="ft5">I</SPAN><SPAN class="ft184">första stycket </SPAN>anges under vilka förutsättningar som den konto- förvaltande betaltjänstleverantören får vägra en leverantör av betalnings- initieringstjänster åtkomst till betaltjänstanvändarens betalkonto. En sådan vägran får endast förekomma om den kontoförvaltande betaltjänst- leverantören av skäl som är objektivt motiverade och tillräckligt under- byggda gör bedömningen att leverantören av betalningsinitieringstjänster obehörigen har fått åtkomst till eller obehörigen har initierat en betalnings- transaktion från det aktuella betalkontot. Den kontoförvaltande betal- tjänstleverantörens bedömning måste således vara motiverad och väl underbyggd. Vad dessa krav innebär i praktiken är ytterst en fråga för rättstillämpningen.</P>
<P class="p571 ft40"><SPAN class="ft3">I</SPAN><SPAN class="ft185">andra stycket </SPAN>finns en motsvarande bestämmelse som anger under vilka förutsättningar den kontoförvaltande betaltjänstleverantören får</P>
<P class="p160 ft3">359</P>
</DIV>
<DIV id="page_360">
<P class="p481 ft76">Prop. 2017/18:77 vägra en leverantör av kontoinformationstjänster tillträde till ett betal- konto.</P>
<P class="p486 ft6">Enligt <SPAN class="ft4">tredje stycket </SPAN>ska den kontoförvaltande betaltjänstleverantören medge leverantören av betalningsinitieringstjänster eller kontoinforma- tionstjänster åtkomst eller tillträde till betalkontot så snart det inte längre finns skäl att vägra sådan tillgång.</P>
<P class="p1134 ft59">Paragrafen har utformats i enlighet med <SPAN class="ft54">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 7.2.9 och 7.3.11.</P>
<P class="p847 ft42">21 §</P>
<P class="p1052 ft3">Paragrafen, som är ny, genomför delvis artikel 68.5 i andra betaltjänst- direktivet.</P>
<P class="p482 ft6">Paragrafen innehåller bestämmelser om hur den kontoförvaltande betaltjänstleverantören ska informera betaltjänstanvändaren när tillgång till betalkonto vägrats en leverantör av betalningsinitieringstjänster eller kontoinformationstjänster.</P>
<P class="p486 ft5">I <SPAN class="ft41">första stycket </SPAN>anges att den kontoförvaltande betaltjänstleverantören ska underrätta betalaren om att åtkomst eller tillträde till dennes betal- konto har vägrats. Underrättelsen ska lämnas på det sätt parterna avtalat om och även omfatta skälen för vägran. Normalt sätt ska detta ske innan åtkomst eller tillträde till kontot vägras, men om detta inte går ska en underrättelse lämnas så snart som möjligt efter vägran.</P>
<P class="p540 ft64">Enligt <SPAN class="ft63">andra stycket </SPAN>ska betaltjänstleverantören inte underrätta betalaren om vägran att ge åtkomst eller tillträde om en sådan under- rättelse är oförenlig med andra föreskrifter eller om det är motiverat av säkerhetsskäl att inte lämna en sådan underrättelse. Ett exempel på en situation när det kan vara oförenligt med andra föreskrifter att lämna en underrättelse är när det finns misstanke om att betalningsinstrumentet har använts för penningtvätt. Att i en sådan situation underrätta betalaren om att åtkomst eller tillträde till betalkontot har vägrats på grund av misstanke om penningtvätt skulle strida mot meddelandeförbudet i 4 kap. 9 § första stycket penningtvättslagen. Säkerhetsskäl föreligger t.ex. om det finns risk för att informationen skulle öka risken i betalningssystemet eller på något annat sätt skada betalningssystemets stabilitet (jfr prop. 2009/10:220 s. 213 och 350). Bedömningen av om betaltjänstleverantören ska låta bli att underrätta betalaren att åtkomst eller tillträde till kontot har vägrats ska göras i varje enskilt fall och bör vara restriktiv.</P>
<P class="p1135 ft3">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P>
<P class="p831 ft3">Övervägandena finns i avsnitten 7.2.9 och 7.3.11.</P>
<P class="p998 ft42">22 §</P>
<P class="p1063 ft70">Paragrafen, som är ny, genomför artikel 68.6 i andra betaltjänstdirektivet. Paragrafen innebär en skyldighet för den kontoförvaltande betaltjänst- leverantören att omedelbart underrätta Finansinspektionen om en leverantör av betalningsinitieringstjänster eller kontoinformationstjänster har vägrats åtkomst eller tillträde till ett betalkonto och om skälen för</P>
<P class="p1061 ft3">detta.</P>
<P class="p270 ft3">360</P>
</DIV>
<DIV id="page_361">
<TABLE cellpadding=0 cellspacing=0 class="t126">
<TR>
<TD class="tr19 td316"><P class="p3 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P></TD>
<TD class="tr19 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr20 td316"><P class="p3 ft3">Övervägandena finns i avsnitten 7.2.9 och 7.3.11.</P></TD>
<TD class="tr20 td115"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p1131 ft42">23 §</P>
<P class="p1136 ft3">Paragrafen, som är ny, genomför artikel 65.1, delvis artikel 65.3 samt artikel 65.4 och 65.5 i andra betaltjänstdirektivet.</P>
<P class="p1019 ft40">Paragrafen reglerar en kontoförvaltande betaltjänstleverantörs skyldig- het att lämna besked om tillgängliga medel på betalarens betalkonto.</P>
<P class="p57 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft179">första stycket </SPAN>anges under vilka förutsättningar en kontoförvaltande betaltjänstleverantör är skyldig att besvara en fråga från en betaltjänst- leverantör som ger ut kortbaserade betalningsinstrument om huruvida det belopp som krävs för att genomföra en kortbaserad betalningstransaktion är tillgängligt på betalarens konto. En förutsättning är att betalaren uttryckligen har godkänt att ett sådant besked lämnas. För att ett godkännande ska kunna anses uttryckligt krävs att det avser en viss transaktion och en begäran från en viss betaltjänstleverantör (jfr artikel 65.1 b i direktivet). I bestämmelsen anges att den kontoförvaltande ska ”ge ett klart besked” om huruvida beloppet är tillgängligt eller inte. Detta innebär att frågan ska besvaras med antingen ”ja” eller ”nej” (jfr artikel 65.3 i direktivet).</P>
<P class="p524 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft186">andra stycket </SPAN>föreskrivs att den kontoförvaltande betaltjänst- leverantören inte har rätt att reservera medel på betalarens konto till följd av begäran.</P>
<P class="p12 ft6">Enligt <SPAN class="ft4">tredje stycket </SPAN>ska den kontoförvaltande betaltjänstleverantören på begäran av betalaren informera denne om identiteten på den betal- tjänstleverantör som begärt ett besked enligt första stycket och hur begäran har besvarats.</P>
<P class="p12 ft3">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P>
<P class="p395 ft3">Övervägandena finns i avsnitt 14.5.</P>
<P class="p1132 ft42">24 §</P>
<P class="p877 ft76">Paragrafen, som är ny, genomför delvis artikel 65.2 och 65.3 i andra betaltjänstdirektivet.</P>
<P class="p57 ft5">I <SPAN class="ft41">första stycket </SPAN>anges under vilka förutsättningar en betaltjänstleverantör som har gett ut ett kortbaserat betalningsinstrument får begära ett sådant besked som avses i 23 §. Förutsättningen i <SPAN class="ft41">punkt 1 </SPAN>motsvarar 23 § första stycket 2, se författningskommentaren till den paragrafen.</P>
<P class="p57 ft40">Enligt <SPAN class="ft39">andra stycket </SPAN>får betaltjänstleverantören inte lagra eller använda svaret som den kontoförvaltande leverantören lämnat för andra syften än för genomförandet av den betalningstransaktion som begäran avser.</P>
<P class="p1120 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 14.5.</P>
<P class="p1131 ft42">25 §</P>
<P class="p1136 ft3">Paragrafen, som är ny, genomför delvis artikel 65.2 i andra betaltjänst- direktivet.</P>
<P class="p13 ft3">Paragrafen innehåller bestämmelser om säker kommunikation.</P>
<P class="p14 ft3">361</P>
</DIV>
<DIV id="page_362">
<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr22 td96"><P class="p307 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td352"><P class="p1137 ft3">Av paragrafen följer att en betaltjänstleverantör som ger ut kort-</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft7">baserade betalningsinstrument ska tillämpa säker kommunikation när den</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">begär ett besked om tillgängliga medel och autentisera sig gentemot den</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">kontoförvaltande betaltjänstleverantören innan ett sådant besked begärs.</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft7">Betaltjänstleverantören som ger ut det kortbaserade betalningsinstrumentet</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">ska autentisera sig innan varje sådan begäran.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Uttrycket säker kommunikation definieras i 1 kap. 4 § och innebär</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft5">sådan kommunikation som uppfyller kraven i de tekniska standarder för</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">stark kundautentisering och gemensamma och öppna säkra kommuni-</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">kationsstandarder som antagits av kommissionen (Commission delegated</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">regulation [EU] supplementing Directive 2015/2366 of the European</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">Parliament and of the Council with regard to regulatory technical</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">standards for strong customer authentication and common and secure</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft5">open standards of communication [C(2017)7782], som ännu inte finns i</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">svensk språkversion). De tekniska standarderna ska börja tillämpas</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">18 månader efter att de trätt i kraft. Av det skälet ska paragrafen enligt</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">punkt 4 i övergångsbestämmelserna till denna lag träda i kraft vid en</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">senare tidpunkt än övriga bestämmelser i lagen.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P></TD>
</TR>
<TR>
<TD class="tr20 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td352"><P class="p1137 ft3">Övervägandena finns i avsnitt 14.5.</P></TD>
</TR>
<TR>
<TD class="tr45 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr45 td352"><P class="p130 ft42">26 §</P></TD>
</TR>
<TR>
<TD class="tr24 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td352"><P class="p130 ft7">Paragrafen, som är ny, genomför artikel 65.6 i andra betaltjänstdirektivet.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Paragrafen innehåller undantag för vissa betalningsinstrument från</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">bestämmelserna i <NOBR>23–25</NOBR> §§ om besked om tillgängliga medel. Bestäm-</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">melserna om bekräftelse av tillgängliga medel gäller därmed inte vid</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">användande av betalningsinstrument där elektroniska pengar lagras.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P></TD>
</TR>
<TR>
<TD class="tr20 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td352"><P class="p1137 ft3">Övervägandena finns i avsnitt 14.5.</P></TD>
</TR>
<TR>
<TD class="tr45 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr45 td352"><P class="p130 ft42">27 §</P></TD>
</TR>
<TR>
<TD class="tr24 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td352"><P class="p130 ft5">Paragrafen, som är ny, genomför artikel 75 i andra betaltjänstdirektivet.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Paragrafen reglerar fall där beloppet för en kortbaserad betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">transaktion som initieras av eller via mottagaren inte är känt då transak-</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">tionen godkänns av betalaren.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Enligt <SPAN class="ft4">första stycket </SPAN>får betalarens betaltjänstleverantör i dessa fall</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">reservera medel på betalarens betalkonto endast om betalaren har gett sitt</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">godkännande till det exakta belopp som ska reserveras.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft5">I <SPAN class="ft41">andra stycket </SPAN>anges när de medel som har reserverats på betalarens</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">konto senast ska frigöras. Tidsfristen löper i förhållande till den tidpunkt</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft5">när information om betalningstransaktionens exakta belopp tagits emot</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">respektive när betalningsordern tagits emot.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">förslag.</P></TD>
</TR>
<TR>
<TD class="tr28 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td352"><P class="p1137 ft3">Övervägandena finns i avsnitt 14.4.</P></TD>
</TR>
<TR>
<TD class="tr45 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr45 td352"><P class="p130 ft42">28 §</P></TD>
</TR>
<TR>
<TD class="tr24 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td352"><P class="p130 ft7">Paragrafen, som i nuvarande lydelse betecknas 6 §, genomför artikel 76.1</P></TD>
</TR>
<TR>
<TD class="tr20 td96"><P class="p1138 ft7">362</P></TD>
<TD class="tr20 td352"><P class="p130 ft3">och 76.2 i andra betaltjänstdirektivet.</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_363">
<P class="p531 ft3">Paragrafen reglerar under vilka förutsättningar en betalare har rätt till Prop. 2017/18:77 återbetalning av en redan godkänd och genomförd betalningstransaktion.</P>
<P class="p408 ft6">I <SPAN class="ft4">andra stycket </SPAN>införs en <SPAN class="ft4">tredje mening </SPAN>i vilken det anges när tid- punkten för valuteringsdagen för kreditering vid återbetalning senast ska infalla. En definition av valuteringsdag finns i 1 kap. 4 §.</P>
<P class="p457 ft5">Enligt <SPAN class="ft41">fjärde stycket</SPAN>, som är nytt, gäller inte de villkor som anges i första stycket 1 och 2 för att återbetalning ska ske av betalningar som genomförts genom autogireringar som faller inom <NOBR>SEPA-förordningens</NOBR> tillämpningsområde. <NOBR>SEPA-förordningen</NOBR> gäller för gränsöverskridande betalningar som är uttryckta i euro eller de nationella valutorna i de medlemsstater som beslutat att tillämpa förordningen på sin egen nationella valuta (artikel 1). En sådan begäran om återbetalning ska dock, på samma sätt som gäller i fråga om andra typer av betalningar, fram- ställas inom den tidsfrist som följer av 30 §.</P>
<P class="p1111 ft3">Övervägandena finns i avsnitt 14.6.</P>
<TABLE cellpadding=0 cellspacing=0 class="t69">
<TR>
<TD class="tr1 td353"><P class="p3 ft42">32 §</P></TD>
<TD class="tr1 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td195"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td353"><P class="p3 ft3">Paragrafen, som i nuvarande lydelse betecknas</P></TD>
<TD class="tr20 td14"><P class="p241 ft3">10 §,</P></TD>
<TD class="tr20 td195"><P class="p3 ft3">genomför</P></TD>
<TD class="tr20 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td353"><P class="p3 ft6">artikel 79.1 i andra betaltjänstdirektivet.</P></TD>
<TD class="tr16 td14"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td195"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p90 ft3">Paragrafen reglerar den underrättelse som en betaltjänstleverantör ska</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">lämna till betaltjänstanvändaren i samband med att leverantören vägrar</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">att utföra en betalningsorder eller initiera en betalningstransaktion.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p90 ft3">I <SPAN class="ft4">första stycket </SPAN>görs ett tillägg som innebär att bestämmelsen gäller</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">även när en betaltjänstleverantör vägrar att initiera en betalningstransak-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">tion. I stycket görs även en följdändring med anledning av att nuvarande</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td353"><P class="p3 ft3">18 och 19 §§ betecknas 40 och 41 §§.</P></TD>
<TD class="tr15 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td195"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td353"><P class="p90 ft3">Övervägandena finns i avsnitt 7.2.11.</P></TD>
<TD class="tr20 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td195"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr49 td353"><P class="p3 ft42">33 §</P></TD>
<TD class="tr49 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr49 td195"><P class="p3 ft2"> </P></TD>
<TD class="tr49 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr24 td353"><P class="p3 ft3">Paragrafen, som i nuvarande lydelse betecknas</P></TD>
<TD class="tr24 td14"><P class="p241 ft3">11 §,</P></TD>
<TD class="tr24 td195"><P class="p3 ft3">genomför</P></TD>
<TD class="tr24 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td353"><P class="p3 ft6">artikel 79.2 i andra betaltjänstdirektivet.</P></TD>
<TD class="tr16 td14"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td195"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p90 ft3">Paragrafen reglerar möjligheten för betalarens betaltjänstleverantör att</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">vägra att utföra en betalningsorder som inte strider mot ramavtalet.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p90 ft6">I paragrafen görs ett tillägg som innebär att bestämmelsen även gäller</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p3 ft3">de fall där betalningsordern har initierats av betalaren via en leverantör</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">av betalningsinitieringstjänster. Den kontoförvaltande betaltjänstleveran-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">tören får alltså inte heller då vägra att utföra en godkänd betalningsorder</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p3 ft3">såvida inte utförandet av betalningsordern skulle strida mot annan lag.</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td354"><P class="p90 ft5">Paragrafen har utformats i enlighet med <SPAN class="ft41">Lagrådets </SPAN>förslag.</P></TD>
<TD class="tr16 td195"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td353"><P class="p90 ft3">Övervägandena finns i avsnitt 7.2.10.</P></TD>
<TD class="tr20 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td195"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr49 td353"><P class="p3 ft42">36 §</P></TD>
<TD class="tr49 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr49 td195"><P class="p3 ft2"> </P></TD>
<TD class="tr49 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr24 td353"><P class="p3 ft3">Paragrafen, som i nuvarande lydelse betecknas</P></TD>
<TD class="tr24 td14"><P class="p241 ft3">14 §,</P></TD>
<TD class="tr24 td195"><P class="p3 ft3">genomför</P></TD>
<TD class="tr24 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td353"><P class="p3 ft3">artikel <NOBR>80.2–80.4</NOBR> i andra betaltjänstdirektivet.</P></TD>
<TD class="tr15 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td195"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p90 ft6">Paragrafen reglerar möjligheten för betalaren att återkalla en betal-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td353"><P class="p3 ft6">ningsorder.</P></TD>
<TD class="tr16 td14"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td195"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td298"><P class="p90 ft3">I <SPAN class="ft4">första stycket </SPAN>görs ett tillägg om betalningstransaktioner som initieras</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td298"><P class="p3 ft6">av en leverantör av betalningsinitieringstjänster. Det innebär att betalaren</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr20 td298"><P class="p3 ft3">inte får återkalla betalningsordern efter det att betalaren gett sitt godkän-</P></TD>
<TD class="tr20 td78"><P class="p17 ft3">363</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_364">
<P class="p589 ft59">Prop. 2017/18:77 nande till att initiera betalningstransaktionen. I 37 § finns bestämmelser om att återkallelse ändå får ske under vissa förutsättningar.</P>
<P class="p482 ft6">I <SPAN class="ft4">tredje stycket </SPAN>görs endast en följdändring med anledning av att nu- varande 9 § betecknas 31 §.</P>
<P class="p505 ft3">Övervägandena finns i avsnitt 7.2.12.</P>
<P class="p998 ft42">37 §</P>
<P class="p1052 ft3">Paragrafen, som i nuvarande lydelse betecknas 15 §, genomför artikel 80.5 i andra betaltjänstdirektivet.</P>
<P class="p482 ft3">Paragrafen reglerar möjligheten för betalaren att återkalla en betal- ningsorder efter de tidpunkter som anges i 35 och 36 §§.</P>
<P class="p486 ft5">I bestämmelsen ersätts uttrycket ”dennes betaltjänstleverantör” med ”berörd betaltjänstleverantör” eftersom det kan vara mer än en betaltjänstleverantör som medverkar vid utförandet av betalningstransak- tionen. Detta gäller t.ex. när transaktionen initierats av en leverantör av betalningsinitieringstjänster. Med anledning av att bestämmelsen i 36 § omfattar även betalningstransaktioner som initieras av en leverantör av betalningsinitieringstjänster preciseras i förevarande bestämmelse att betalningsmottagarens godkännande endast är relevant när det gäller</P>
<TABLE cellpadding=0 cellspacing=0 class="t127">
<TR>
<TD class="tr24 td269"><P class="p3 ft3">betalningstransaktioner som har initierats</P></TD>
<TD class="tr24 td170"><P class="p17 ft3">av betalningsmottagaren.</P></TD>
</TR>
<TR>
<TD class="tr16 td269"><P class="p3 ft6">I paragrafen görs även följdändringar med</P></TD>
<TD class="tr16 td170"><P class="p17 ft6">anledning av att nuvarande</P></TD>
</TR>
<TR>
<TD class="tr16 td269"><P class="p3 ft6">13 och 14 §§ betecknas 35 och 36 §§.</P></TD>
<TD class="tr16 td170"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p1139 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.2.12.</P>
<P class="p780 ft42">42 §</P>
<P class="p1140 ft76">Paragrafen, som i nuvarande lydelse betecknas 20 §, genomför artik- larna 83.2 och 87 i andra betaltjänstdirektivet.</P>
<P class="p1141 ft5">Paragrafen innehåller bestämmelser om tidpunkter för valuteringsdag och tillgängliggörande av medel på mottagarens betalkonto.</P>
<P class="p1057 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft52">första</SPAN>, <SPAN class="ft4">andra </SPAN>och <SPAN class="ft4">fjärde styckena </SPAN>görs vissa språkliga justeringar.</P>
<P class="p1142 ft5"><SPAN class="ft5">I</SPAN><SPAN class="ft187">tredje stycket </SPAN>görs ett tillägg som klargör att bestämmelsen även gäller för betalningar inom en och samma betaltjänstleverantör, dvs. då betalaren och betalningsmottagaren har samma betaltjänstleverantör.</P>
<P class="p1143 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 14.7.</P>
<P class="p998 ft42">45 §</P>
<P class="p1144 ft76">Paragrafen, som i nuvarande lydelse betecknas 23 §, genomför artikel 88.1– 88.4 i andra betaltjänstdirektivet.</P>
<P class="p1141 ft6">Paragrafen innehåller bestämmelser om förutsättningar för betalnings- order som utförts med hjälp av en unik identifikationskod.</P>
<P class="p1057 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft52">första stycket </SPAN>görs redaktionella ändringar.</P>
<P class="p1056 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft181">tredje stycket </SPAN>införs en skyldighet för betalningsmottagarens betal- tjänstleverantör att bistå i arbetet med att få tillbaka medlen som betal- ningstransaktionen avsåg och lämna all tillgänglig information som är relevant till motpartens betaltjänstleverantör som krävs för att medlen ska kunna återfås.</P>
<P class="p319 ft3">364</P>
</DIV>
<DIV id="page_365">
<P class="p565 ft3"><SPAN class="ft4">Fjärde stycket</SPAN>, som är nytt, gäller den situationen när det inte går att Prop. 2017/18:77 återfå medlen endast genom de åtgärder som anges i tredje stycket. Betaltjänstanvändarens betaltjänstleverantör ska i så fall ge den betal-</P>
<P class="p521 ft6">tjänstanvändare som lämnade betalningsordern all tillgänglig information som denne behöver för att för att kunna inleda ett rättsligt förfarande för att få tillbaka medlen. Skyldigheten gäller endast på skriftlig begäran från betaltjänstanvändaren.</P>
<P class="p1145 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 14.8.</P>
<P class="p1066 ft42">48 §</P>
<P class="p492 ft3">Paragrafen, som i nuvarande lydelse betecknas 26 §, genomför delvis artiklarna 71.2 och 89.1 och artikel 90.1 första stycket i andra betaltjänst- direktivet.</P>
<P class="p12 ft6">Paragrafen innehåller bestämmelser om betalningstransaktioner som har initierats av betalaren men inte genomförts eller genomförts brist- fälligt.</P>
<P class="p57 ft5"><SPAN class="ft3">I</SPAN><SPAN class="ft187">första </SPAN>och <SPAN class="ft41">andra styckena </SPAN>görs tillägg beträffande när valuterings- dagen för kreditering av betalarens betalkonto respektive betalningsmot- tagarens betalkonto senast får infalla. Med en korrekt genomförd transak- tion avses i andra stycket att transaktionen genomförts i enlighet med de tidsfrister som gäller enligt 40 §. Valuteringsdag regleras i 42 §. En defini- tion av valuteringsdag finns i 1 kap. 4 §. I styckena görs också följd- ändringar med anledning av att nuvarande 25 § betecknas 47 §. I första stycket görs även en språklig justering.</P>
<P class="p58 ft70">Nuvarande bestämmelse i <SPAN class="ft81">tredje stycket </SPAN>överförs till 49 §. I stycket införs en ny bestämmelse som avser situationen att en betalningstransaktion inte har genomförts korrekt genom att den genomförts för sent. Betalnings- mottagarens betaltjänstleverantör ska då, på begäran av betalarens betal- tjänstleverantör, se till att valuteringsdagen för krediteringen av betal- ningsmottagarens konto bestäms till senast den dag då beloppet skulle ha valuterats om betalningstransaktionen hade genomförts korrekt.</P>
<P class="p174 ft40"><SPAN class="ft5">I</SPAN><SPAN class="ft185">fjärde stycket</SPAN>, som är nytt, klargörs att det är den kontoförvaltande betaltjänstleverantören som ska återbetala beloppet för en bristfälligt genomförd transaktion, oavsett om betalningstransaktionen initierats via en leverantör av betalningsinitieringstjänster.</P>
<P class="p1146 ft59">Paragrafen har utformats i enlighet med <SPAN class="ft54">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 7.2.15 och 14.9.1.</P>
<P class="p1131 ft42">49 §</P>
<P class="p494 ft40">Paragrafen, som är ny, genomför delvis artikel 89.1 i andra betaltjänst- direktivet. I nuvarande lydelse finns bestämmelsen i 26 § tredje stycket.</P>
<P class="p12 ft3">Paragrafen innebär att betalarens betaltjänstleverantör är skyldig att försöka spåra en betalningstransaktion i vissa fall.</P>
<P class="p57 ft5">I bestämmelsen klargörs att betaltjänstleverantörens skyldighet att försöka spåra betalningstransaktionen gäller även om leverantören inte är ansvarig för det inträffade. Det görs även ett tillägg om att betaltjänst- leverantörens försök att spåra transaktionen ska vara avgiftsfritt för</P>
<P class="p54 ft113">betalaren. Det görs även en språklig justering.</P>
<P class="p160 ft3">365</P>
</DIV>
<DIV id="page_366">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">366</P>
</DIV>
<DIV id="id_2">
<P class="p1106 ft3">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P>
<P class="p606 ft3">Övervägandena finns i avsnitt 14.9.1.</P>
<P class="p794 ft42">50 §</P>
<P class="p755 ft76">Paragrafen, som i nuvarande lydelse betecknas 27 §, genomför delvis artikel 89.2 i andra betaltjänstdirektivet.</P>
<P class="p213 ft6">Paragrafen reglerar betalningsmottagarens betaltjänstleverantörs ansvar gentemot betalningsmottagaren vid betalningstransaktioner som har initierats av eller via betalningsmottagaren.</P>
<P class="p462 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft179">första stycket </SPAN>görs endast följdändringar med anledning av att nu- varande 19 och 20 §§ betecknas 41 och 42 §§.</P>
<P class="p462 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft179">tredje stycket</SPAN>, som är nytt, anges när ett belopp ska valuteras på betalningsmottagarens betalkonto om en betalningsorder överförs för sent, dvs. inte i enlighet med de tidsfrister som anges i 41 §.</P>
<P class="p1147 ft64">Paragrafen har i huvudsak utformats i enlighet med <SPAN class="ft63">Lagrådets </SPAN>förslag. Lagrådet föreslår även att det i första stycket ska göras ett tillägg som innebär att betalningsmottagarens betaltjänstleverantörs ansvar är att över- föra betalningsordern ”så att betalningstransaktionen kan slutföras i enlig- het med 41 §”. Förslaget har samband med att Lagrådet förordar en termi- nologisk ändring även i 41 § (nuvarande 19 §). I 41 § första stycket anges att en betalningsorder som har initierats av eller via en betalningsmottagare ska genomföras inom de tidsfrister som har överenskommits mellan betalningsmottagaren och dennes betaltjänstleverantör. Lagrådet föreslår att bestämmelsen utformas på ett sätt som innebär att en betalnings- transaktion som har initierats av eller via en betalningsmottagare ska slut- föras inom de tidsfrister som har överenskommits mellan betalnings- mottagaren och dennes betaltjänstleverantör. Regeringen konstaterar att bestämmelsen inte motsvarar någon uttrycklig regel i första eller andra betaltjänstdirektivet utan har fått sin nuvarande utformning med anledning av ett tolkningsuttalande av kommissionen (se prop. 2009/10:220 s. 240 f.). Den nuvarande utformningen har inte medfört några tillämpnings- problem. Regeringen anser därför att det inte finns tillräckliga skäl för att ändra 41 §, och därmed inte heller första stycket i förevarande paragraf,</P>
<P class="p1148 ft59">på det sätt som Lagrådet föreslår. Övervägandena finns i avsnitt 14.9.2.</P>
<P class="p335 ft42">51 §</P>
<P class="p872 ft76">Paragrafen, som i nuvarande lydelse betecknas 28 §, genomför delvis artikel 89.2 i andra betaltjänstdirektivet.</P>
<P class="p213 ft6">Paragrafen reglerar betalningsmottagarens betaltjänstleverantörs ansvar gentemot betalaren vid betalningstransaktioner som har initierats av eller via betalningsmottagaren, men inte genomförts eller genomförts brist- fälligt.</P>
<P class="p462 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft181">första stycket </SPAN>görs endast en följdändring med anledning av att nu- varande 27 § betecknas 50 §.</P>
<P class="p1084 ft40"><SPAN class="ft3">I</SPAN><SPAN class="ft88">andra stycket </SPAN>görs ett tillägg beträffande tidpunkten för valuterings- dagen för kreditering av betalarens betalkonto. En betalares betaltjänst- leverantör som ska återbetala en felaktigt genomförd betalningstransak-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_367">
<P class="p557 ft3">tion ska se till att valuteringsdagen bestäms till senast den dag då belop- Prop. 2017/18:77 pet debiterades betalarens konto. En definition av valuteringsdag finns i</P>
<P class="p15 ft3">1 kap. 4 §.</P>
<P class="p457 ft70">Nuvarande bestämmelse i <SPAN class="ft81">tredje stycket </SPAN>överförs till 52 §. I stället införs en ny bestämmelse som gäller när en betalningstransaktion inte genomförts enligt 40 § men betalarens betaltjänstleverantör kan visa att beloppet ändå har tagits emot av betalningsmottagarens betaltjänstleverantör. I dessa fall ska betalarens betaltjänstleverantör inte återbetala eller återställa och valutera på visst sätt utan det är betalningsmottagarens betaltjänstleveran- tör, som har tagit emot medlen, som ska ansvara för en korrekt valutering.</P>
<P class="p1149 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 14.9.2.</P>
<P class="p316 ft42">52 §</P>
<P class="p1150 ft59">Paragrafen, som är ny, genomför delvis artikel 89.2 i andra betaltjänst- direktivet. I nuvarande lydelse finns bestämmelsen i 28 § tredje stycket.</P>
<P class="p408 ft6">Paragrafen innebär att betalningsmottagarens betaltjänstleverantör är skyldig att försöka spåra en betalningstransaktion i vissa fall.</P>
<P class="p457 ft6">I bestämmelsen klargörs att betaltjänstleverantörens skyldighet att för- söka spåra betalningstransaktionen gäller även om leverantören inte är ansvarig för det inträffade. Det görs även ett tillägg om att betaltjänst- leverantörens försök att spåra transaktionen ska vara avgiftsfritt för betalaren. Det görs även en språklig justering.</P>
<P class="p1151 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 14.9.2.</P>
<P class="p335 ft42">54 §</P>
<P class="p791 ft3">Paragrafen, som i nuvarande lydelse betecknas 30 §, genomför delvis artikel 71 i andra betaltjänstdirektivet.</P>
<P class="p408 ft6">Paragrafen innehåller bestämmelser om betaltjänstanvändarens skyl- dighet att så snart det kan ske underrätta betaltjänstleverantören om en felaktigt utförd transaktion.</P>
<P class="p408 ft6">I <SPAN class="ft4">andra stycket</SPAN>, som är nytt, klargörs att det är den kontoförvaltande betaltjänstleverantören som ska underrättas enligt första stycket även om den felaktigt genomförda transaktionen har initierats av en leverantör av betalningsinitieringstjänster.</P>
<P class="p1152 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.2.16.</P>
<P class="p801 ft42">55 §</P>
<P class="p1099 ft3">Paragrafen, som i nuvarande lydelse betecknas 31 §, genomför artikel 92 i andra betaltjänstdirektivet.</P>
<P class="p103 ft3">Paragrafen innehåller bestämmelser om rätt till återkrav.</P>
<P class="p457 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft181">första stycket </SPAN>anges under vilka förutsättningar som en betaltjänst- leverantör kan få ersättning av en annan betaltjänstleverantör eller en mellanhand. Ändringarna innebär att rätten till återkrav även omfattar fall där transaktioner genomförts obehörigen.</P>
<P class="p79 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft48">paragrafen görs även följdändringar med anledning av att nuvarande</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t128">
<TR>
<TD class="tr24 td298"><P class="p3 ft3"><NOBR>25–29</NOBR> §§ betecknas 47, 48, 50, 51 och 53 §§ samt bestämmelserna i</P></TD>
<TD class="tr24 td78"><P class="p17 ft3">367</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_368">
<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr22 td96"><P class="p307 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td352"><P class="p130 ft5">nuvarande 26 § tredje stycket och 28 § tredje stycket överförs till nya</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">49 och 52 §§.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P></TD>
</TR>
<TR>
<TD class="tr20 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td352"><P class="p1137 ft3">Övervägandena finns i avsnitt 14.10.</P></TD>
</TR>
<TR>
<TD class="tr49 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr49 td352"><P class="p130 ft42">56 §</P></TD>
</TR>
<TR>
<TD class="tr24 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td352"><P class="p130 ft3">Paragrafen, som är ny, genomför artiklarna 73.2 andra stycket första</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">meningen och 90.2 i andra betaltjänstdirektivet.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">I paragrafen föreskrivs vilket ansvar som åvilar en leverantör av</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">betalningsinitieringstjänster gentemot den kontoförvaltande betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">leverantören för felaktiga eller obehöriga transaktioner. Eftersom en</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">leverantör av betalningsinitieringstjänster är anlitad av betalaren ansvarar</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">även en sådan leverantör gentemot betalaren för att en betalningsorder</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft5">genomförs korrekt (47 §). Om en betalning i vilken en leverantör av en</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">betalningsinitieringstjänst är inblandad skulle genomföras felaktigt eller</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">obehörigen är det dock ändå den kontoförvaltande betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft5">som ska återställa det debiterade betalkontots ställning till den som det</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">skulle ha haft om transaktionen inte hade genomförts (48 § fjärde stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">och 5 a kap. 1 § tredje stycket). I förevarande bestämmelse finns därför</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft5">en rätt till återkrav i förhållande till leverantören av betalningsinitierings-</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">tjänster. En leverantör av betalningsinitieringstjänster som har orsakat en</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">felaktig eller obehörig transaktion ska ersätta den kontoförvaltande betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft5">tjänstleverantören för de förluster som uppkommit till följd av transak-</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">tionen.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">I bestämmelsen anges inte när betalning ska ske (jfr artikel 73.2 i</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft5">direktivet där det anges att betalning ska ske omedelbart). Av allmänna</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">fordringsrättsliga principer följer att fordran förfaller till betalning vid</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">anfordran.</P></TD>
</TR>
<TR>
<TD class="tr20 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td352"><P class="p1137 ft3">Övervägandena finns i avsnitten 7.2.14 och 7.2.15.</P></TD>
</TR>
<TR>
<TD class="tr45 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr45 td352"><P class="p130 ft42">58 §</P></TD>
</TR>
<TR>
<TD class="tr24 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td352"><P class="p130 ft5">Paragrafen, som är ny, genomför delvis artikel 101.1 och 101.2 i andra</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">betaltjänstdirektivet.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft5">I paragrafen föreskrivs att betaltjänstleverantörer ska ha lämpliga och</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">effektiva förfaranden för hantering av klagomål från betaltjänstanvänd-</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">are. Hur dessa förfaranden ska utformas regleras i föreskrifter som med-</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">delas med stöd av 60 §.</P></TD>
</TR>
<TR>
<TD class="tr20 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td352"><P class="p1137 ft3">Övervägandena finns i avsnitt 12.1.</P></TD>
</TR>
<TR>
<TD class="tr45 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr45 td352"><P class="p130 ft42">59 §</P></TD>
</TR>
<TR>
<TD class="tr24 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td352"><P class="p130 ft5">Paragrafen, som i nuvarande lydelse betecknas 33 §, genomför delvis</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">artikel 61.1 i andra betaltjänstdirektivet.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft5">Paragrafen reglerar förutsättningarna för att frångå bestämmelserna i</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">kapitlet.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Nuvarande <SPAN class="ft4">första stycket </SPAN>flyttas till 1 kap. 11 §.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">I <SPAN class="ft4">andra stycket </SPAN>görs följdändringar med anledning av att nuvarande</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft7"><NOBR>6–8,</NOBR> <NOBR>13–15</NOBR> och <NOBR>25–30</NOBR> §§ betecknas <NOBR>28–30,</NOBR> <NOBR>35–37,</NOBR> 47, 48, 50, 51, 53 och</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">54 §§ samt bestämmelserna i nuvarande 26 § tredje stycket och 28 §</P></TD>
</TR>
<TR>
<TD class="tr20 td96"><P class="p1138 ft7">368</P></TD>
<TD class="tr20 td352"><P class="p130 ft3">tredje stycket överförs till nya 49 och 52 §§.</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_369">
<TABLE cellpadding=0 cellspacing=0 class="t126">
<TR>
<TD class="tr19 td316"><P class="p3 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P></TD>
<TD class="tr19 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr20 td316"><P class="p3 ft3">Övervägandena finns i avsnitt 6.5.</P></TD>
<TD class="tr20 td115"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p1131 ft42">60 §</P>
<P class="p469 ft3">Paragrafen, som är ny, genomför delvis artikel 101.1 och 101.2 i andra betaltjänstdirektivet.</P>
<P class="p12 ft3">Paragrafen innehåller bemyndigande för regeringen eller den myn- dighet som regeringen bestämmer att meddela föreskrifter.</P>
<P class="p57 ft5">En betaltjänstleverantör ska enligt 58 § ha lämpliga och effektiva för- faranden för hantering av klagomål från betaltjänstanvändare. I före- skrifter som får meddelas med stöd av bemyndigandet kan det närmare regleras hur betaltjänstleverantörer ska hantera sådana klagomål. Det kan t.ex. avse tidsfrister för svar på klagomål (se artikel 101.2 i direktivet).</P>
<P class="p597 ft3">Övervägandena finns i avsnitt 12.1.</P>
<P class="p1066 ft42">5 a kap.</P>
<P class="p65 ft42">1 §</P>
<P class="p521 ft6">Paragrafen, som är ny, genomför delvis artikel 71.2 och artikel 73.1 och 73.2 första stycket i andra betaltjänstdirektivet. Paragrafen har inte någon motsvarighet i lagen om obehöriga transaktioner med betalningsinstru- ment.</P>
<P class="p58 ft5">Paragrafen reglerar betaltjänstleverantörens ansvar vid en obehörig transaktion. Med obehörig transaktion avses en transaktion som genom- förs utan samtycke från innehavaren av ett betalkonto eller någon annan som enligt kontoavtalet är behörig att använda kontot (se 1 kap. 4 §). Med kontohavare avses i paragrafen den person som är innehavare av det konto som debiterats den obehöriga transaktionen.</P>
<P class="p174 ft70"><SPAN class="ft7">I</SPAN><SPAN class="ft188">första stycket </SPAN>anges en huvudregel som innebär att kontohavarens betaltjänstleverantör ska återställa kontot till den ställning det skulle ha haft om den obehöriga transaktionen inte genomförts. Huvudregeln gäller om inte annat följer av <NOBR>2–6</NOBR> §§ som reglerar i vilka situationer någon annan part ansvarar för transaktionsbeloppet. I stycket anges även när återbetalningen senast ska göras och formerna för den. Vidare anges att den konto- förvaltande betaltjänstleverantören under vissa förutsättningar har rätt till en skälig tid att undersöka transaktionen. Rätten gäller endast om leverantören har anledning att misstänka att transaktionen är behörig.</P>
<P class="p571 ft40"><SPAN class="ft5">I</SPAN><SPAN class="ft88">andra stycket </SPAN>anges att om leverantören utnyttjar rätten att undersöka transaktionen ska leverantören skriftligen underrätta Finansinspektionen om anledningen till att omedelbar återbetalning inte sker.</P>
<P class="p57 ft5"><SPAN class="ft5">I</SPAN><SPAN class="ft178">tredje stycket </SPAN>anges att den kontoförvaltande betaltjänstleverantören ska återbetala beloppet enligt första stycket oavsett om en leverantör av betalningsinitieringstjänster har initierat den obehöriga transaktionen.</P>
<P class="p1153 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten <NOBR>8.4.1–8.4.3.</NOBR></P>
<P class="p1069 ft42">2 §</P>
<P class="p1154 ft3">Paragrafen, som är ny, genomför artikel 74.1 första och fjärde styckena i andra betaltjänstdirektivet.</P>
<P class="p14 ft3">369</P>
</DIV>
<DIV id="page_370">
<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr22 td96"><P class="p307 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td352"><P class="p1137 ft7">Paragrafen innehåller bestämmelser om att betalaren får åläggas att stå</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">för en del av den förlust som är hänförlig till att kontohavaren inte har</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">skyddat sin personliga behörighetsfunktion. Av 1 kap. 11 § följer att</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">bestämmelsen är tvingande till betaltjänstanvändarens förmån när betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft7">tjänstanvändaren är konsument, varför parterna då inte kan avtala om en</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">högre självrisk än den som anges i paragrafen. Enligt 8 § får dock en</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">betaltjänstleverantör komma överens med en betaltjänstleverantör som</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">inte är konsument om avvikelser från bestämmelserna.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft7">Paragrafen motsvarar i huvudsak 5 § lagen om obehöriga transaktioner</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">med betalningsinstrument. Uttrycket personlig kod ersätts emellertid av</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft5">uttrycket personlig behörighetsfunktion (se avsnitten 5.3.5). Det belopp</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">som kontohavaren ansvarar för sänks också på så sätt att det får uppgå till</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">högst 400 kronor. Dessutom klargörs att den angivna självrisken gäller</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft5">även om det skett flera obehöriga transaktioner och dessa sammanlagt</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">uppgår till ett högre belopp än självriskbeloppet (jfr prop. 2009/10:122</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">s. 27).</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p1137 ft5">Uttrycket obehörig transaktion får en vidare innebörd i denna lag än</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">vad det har i lagen om obehöriga transaktioner med betalningsinstrument</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">(se författningskommentaren till 1 kap. 4 §). Bestämmelsen i denna para-</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft5">graf omfattar dock bara situationer när en obehörig transaktion har skett</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">med hjälp av ett betalningsinstrument.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">förslag.</P></TD>
</TR>
<TR>
<TD class="tr20 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td352"><P class="p1137 ft3">Övervägandena finns i avsnitt 8.4.4.</P></TD>
</TR>
<TR>
<TD class="tr49 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr49 td352"><P class="p130 ft42">3 §</P></TD>
</TR>
<TR>
<TD class="tr24 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td352"><P class="p130 ft5">Paragrafen, som är ny, genomför artikel 74.1 tredje och fjärde styckena i</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">andra betaltjänstdirektivet.</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p1137 ft7">Paragrafen motsvarar 6 § lagen om obehöriga transaktioner med betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft6">ningsinstrument (se prop. 2009/10:122 s. <NOBR>27–29).</NOBR></P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P></TD>
</TR>
<TR>
<TD class="tr20 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td352"><P class="p1137 ft3">Övervägandena finns i avsnitt 8.4.5.</P></TD>
</TR>
<TR>
<TD class="tr45 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr45 td352"><P class="p130 ft42">4 §</P></TD>
</TR>
<TR>
<TD class="tr24 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td352"><P class="p130 ft7">Paragrafen, som är ny, genomför artikel 74.3 i andra betaltjänstdirektivet.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft7">Paragrafen motsvarar i huvudsak 7 § lagen om obehöriga transaktioner</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">med betalningsinstrument (se prop. 2009/10:122 s. 29 f.). Ändringarna i</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">förhållande till den paragrafen är endast språkliga.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p1137 ft6">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P></TD>
</TR>
<TR>
<TD class="tr20 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td352"><P class="p1137 ft3">Övervägandena finns i avsnitt 8.4.7.</P></TD>
</TR>
<TR>
<TD class="tr49 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr49 td352"><P class="p130 ft42">5 §</P></TD>
</TR>
<TR>
<TD class="tr24 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td352"><P class="p130 ft7">Paragrafen, som är ny, genomför artikel 74.2 i andra betaltjänstdirektivet.</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p1137 ft7">Paragrafen innehåller bestämmelser om ansvar för obehöriga transak-</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">tioner när stark kundautentisering inte har använts. En definition av stark</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft5">kundautentisering finns i 1 kap. 4 §. Bestämmelserna gäller när stark</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td352"><P class="p130 ft3">kundautentisering inte har använts för en elektronisk betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td352"><P class="p130 ft7">transaktion som omfattas av bestämmelserna om stark kundautentisering</P></TD>
</TR>
<TR>
<TD class="tr20 td96"><P class="p1138 ft7">370</P></TD>
<TD class="tr20 td352"><P class="p130 ft5">(se 5 b kap. 4 § första stycket 2). De omfattar, förutom den situationen att</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_371">
<P class="p490 ft3">skyldigheten att kräva stark kundautentisering har åsidosatts, den situa- Prop. 2017/18:77 tionen att ett undantag från skyldigheten att tillämpa stark kundautenti-</P>
<P class="p521 ft6">sering har tillämpats i enlighet med de tekniska standarder som antas av kommissionen enligt artikel 98 (se 5 b kap. 4 § fjärde stycket). Paragrafen reglerar ansvarsfördelningen när stark kundautentisering inte har använts även för tiden innan det att en betaltjänstleverantör enligt 5 b kap. 4 § blir skyldig att använda stark kundautentisering (se avsnitt 15.1).</P>
<P class="p12 ft3">Av <SPAN class="ft4">första stycket </SPAN>följer att kontohavarens betaltjänstleverantör i förhållande till kontohavaren ska ansvara för hela beloppet för en obehörig transaktion om stark kundautentisering inte använts. Detta gäller dock inte om kontohavaren genom svikligt förfarande orsakat eller bidragit till den obehöriga transaktionen.</P>
<P class="p57 ft5">Bestämmelsen i <SPAN class="ft41">andra stycket </SPAN>tar sikte på elektroniska betalnings- transaktioner där betalningsmottagaren eller dennes betaltjänstleverantör kan kräva stark kundautentisering, t.ex. när en kortbetalning initieras via betalningsmottagaren. Om betalningsmottagaren eller dennes betaltjänst- leverantör för en sådan transaktion inte har krävt stark kundautentisering ska den part som inte har krävt detta ersätta kontohavarens betaltjänst- leverantör för den förlust som drabbat denne enligt första stycket. Med förlust avses, förutom beloppet för transaktionen, även eventuella kost- nader som betaltjänstleverantören haft för att utreda om transaktionen varit obehörig.</P>
<P class="p1155 ft76">Paragrafen har utformats i linje med <SPAN class="ft50">Lagrådets </SPAN>synpunkter. Övervägandena finns i avsnitt 8.4.6.</P>
<P class="p4 ft42">6 §</P>
<P class="p469 ft3">Paragrafen, som är ny, genomför delvis artikel 71 i andra betaltjänst- direktivet.</P>
<P class="p12 ft6">Paragrafen innehåller bestämmelser om betalarens skyldighet att så snart det kan ske underrätta betaltjänstleverantören för att inte själv bli ansvarig för en obehörig transaktion.</P>
<P class="p12 ft3"><SPAN class="ft4">Första stycket </SPAN>motsvarar 8 § lagen om obehöriga transaktioner med betalningsinstrument (se prop. 2009/10:122 s. 30 f.). Ändringarna i förhållande till den paragrafen är endast språkliga.</P>
<P class="p57 ft5"><SPAN class="ft5">I</SPAN><SPAN class="ft90">andra stycket</SPAN>, som inte har någon motsvarighet i lagen om obehöriga transaktioner med betalningsinstrument, anges att underrättelsen ska lämnas till den kontoförvaltande betaltjänstleverantören även i de fall där transaktionen initierats av en leverantör av betalningsinitieringstjänster.</P>
<P class="p12 ft3"><SPAN class="ft3">I</SPAN><SPAN class="ft189">5 kap. 54 § finns en motsvarande bestämmelse för felaktigt genom- förda transaktioner.</SPAN></P>
<P class="p1156 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 8.4.8.</P>
<P class="p1131 ft42">7 §</P>
<P class="p1157 ft40">Paragrafen, som är ny, motsvarar 9 § lagen om obehöriga transaktioner med betalningsinstrument (se prop. 2009/10:122 s. 31).</P>
<P class="p13 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P>
<P class="p13 ft141">Övervägandena finns i avsnitt 8.4.8.</P>
<P class="p160 ft3">371</P>
</DIV>
<DIV id="page_372">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">372</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft42">8 §</P>
<P class="p757 ft3">Paragrafen, som är ny genomför delvis artikel 61.1 i andra betaltjänst- direktivet.</P>
<P class="p463 ft5">Paragrafen reglerar förutsättningarna för att en betaltjänstleverantör ska få avvika från bestämmelserna i kapitlet och innebär att en betaltjänst- leverantör får komma överens med en betaltjänstanvändare som inte är konsument om avvikelser från de angivna bestämmelserna. Motsvarande bestämmelser finns i 4 kap. 20 § och 5 kap. 59 §. Jfr även 1 kap. 11 § som slår fast att avtalsvillkor som i jämförelse med bestämmelserna i lagen är till nackdel för en konsument är utan verkan mot denne, om inte annat anges i lagen (se avsnitt 6.5).</P>
<P class="p1105 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 6.5.</P>
<P class="p335 ft42">5 b kap.</P>
<P class="p45 ft42">1 §</P>
<P class="p1087 ft40">Paragrafen, som är ny, genomför artikel 95.1 i andra betaltjänstdirektivet. Paragrafen reglerar en betaltjänstleverantörs skyldighet att ha system</P>
<P class="p15 ft3">för hantering av operativa risker och säkerhetsrisker.</P>
<P class="p213 ft6">En betaltjänstleverantör ska enligt <SPAN class="ft4">första meningen </SPAN>inrätta system för hantering av operativa risker och säkerhetsrisker som har anknytning till den betaltjänstverksamhet den driver.</P>
<P class="p463 ft6"><SPAN class="ft4">Andra meningen </SPAN>innebär att betaltjänstleverantören inom ramen för detta system ska fastställa och upprätthålla förfaranden för hantering av incidenter, inklusive sådana för upptäckt och klassificering av allvarliga operativa incidenter och säkerhetsincidenter.</P>
<P class="p213 ft3">Regeringen eller den myndighet som regeringen bestämmer får med stöd av 6 § 1 meddela föreskrifter om hur ett system enligt denna para- graf ska utformas.</P>
<P class="p463 ft6">Eba har antagit riktlinjer för inrättande, genomförande och över- vakning av säkerhetsåtgärderna (se Riktlinjer för säkerhetsåtgärder för operativa risker och säkerhetsrisker för betaltjänster enligt direktiv (EU) nr [EU] 2015/2366 [PSD2] [EBA/GL/2017/17]). Kommissionen får anta tekniska standarder för tillsyn när det gäller kriterier och villkor för inrättande och övervakning av säkerhetsåtgärderna (artikel 95.4 i direktivet). De tekniska standarderna ska baseras på de erfarenheter som gjorts vid tillämpningen av Ebas riktlinjer, varför det ännu inte är aktuellt att ta fram sådana.</P>
<P class="p1119 ft3">Övervägandena finns i avsnitt 11.2.1.</P>
<P class="p794 ft42">2 §</P>
<P class="p1158 ft76">Paragrafen, som är ny, genomför artiklarna 95.2 och 96.6 första meningen i andra betaltjänstdirektivet.</P>
<P class="p213 ft6">Paragrafen reglerar vissa rapporteringsskyldigheter för en betaltjänst- leverantör.</P>
<P class="p1123 ft3">Enligt <SPAN class="ft4">första stycket </SPAN>ska en betaltjänstleverantör rapportera till Finans- inspektionen om de operativa risker och säkerhetsrisker som är för- knippade med de betaltjänster som den tillhandahåller och de åtgärder som den vidtagit för att hantera dem.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_373">
<P class="p565 ft3">Enligt <SPAN class="ft4">andra stycket </SPAN>ska betaltjänstleverantören lämna statistiska upp- Prop. 2017/18:77 gifter till Finansinspektionen om svikliga förfaranden som har ägt rum i</P>
<P class="p54 ft3">samband med användningen av leverantörens betaltjänster.</P>
<P class="p57 ft70">Regeringen eller den myndighet som regeringen bestämmer får med stöd av 6 § 2 meddela föreskrifter om vilka upplysningar som ska lämnas enligt denna paragraf samt hur och när upplysningarna ska lämnas.</P>
<P class="p57 ft5">Eba har tagit fram förslag till riktlinjer för rapporteringen av statiska uppgifter om svikliga förfaranden enligt andra stycket (se Consultation Paper on Draft Guidelines on fraud reporting requirements under Article 96[6] of Directive [EU] 2015/2366 [PSD2] [EBA/CP/2017/13], som inte finns i svensk språkversion). Dessa riktlinjer har Eba ännu inte antagit.</P>
<P class="p1074 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 11.2.2.</P>
<P class="p4 ft42">3 §</P>
<P class="p469 ft3">Paragrafen, som är ny, genomför artikel 96.1 och 96.2 i andra betaltjänstdirektivet.</P>
<P class="p57 ft5">Paragrafen reglerar dels en betaltjänstleverantörs skyldighet att under- rätta Finansinspektionen och betaltjänstanvändarna om operativa inci- denter eller säkerhetsincidenter, dels Finansinspektionens skyldighet att till andra myndigheter lämna uppgifter om incidenter.</P>
<P class="p12 ft6">Enligt <SPAN class="ft4">första stycket </SPAN>har betaltjänstleverantören en rapporterings- skyldighet till Finansinspektionen i fråga om allvarliga operativa incidenter eller säkerhetsincidenter som uppkommit i leverantörens verksamhet. Vidare har Finansinspektionen en skyldighet att lämna över uppgifter som myndigheten får del av genom incidentrapporter från betaltjänstleverantörer till Riksbanken, eventuella andra berörda svenska myndigheter samt till Eba och ECB. Inspektionen kan fullgöra informationsskyldigheten t.ex. genom att lämna incidentrapporterna i sin helhet till de andra myndigheterna.</P>
<P class="p174 ft3">I <SPAN class="ft4">andra stycket </SPAN>anges under vilka förutsättningar betaltjänstleveran- tören ska informera sina användare om sådana incidenter som avses i första stycket. Informationsskyldigheten omfattar även vilka åtgärder som användarna kan vidta i syfte att minska risken för skada.</P>
<P class="p57 ft5">Regeringen eller den myndighet som regeringen bestämmer får med stöd av 6 § 3 och 4 meddela föreskrifter om vad som utgör en allvarlig operativ incident eller säkerhetsincident, hur bedömningen av om en incident påverkar eller kan påverka betaltjänstanvändarnas ekonomiska intressen ska göras och hur betaltjänstanvändarna ska informeras.</P>
<P class="p12 ft3">Eba har antagit riktlinjer för rapportering vid allvarliga incidenter (Riktlinjer för rapportering vid allvarliga incidenter enligt direktiv [EU] 2015/2366 [andra betaltjänstdirektivet] [EBA/GL/2017/10]).</P>
<P class="p12 ft6">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P>
<P class="p13 ft3">Övervägandena finns i avsnitten 11.2.2, 11.3.1 och 11.3.2.</P>
<P class="p1132 ft42">4 §</P>
<P class="p1032 ft3">Paragrafen, som är ny, genomför artikel <NOBR>97.1–97.4</NOBR> i andra betaltjänst-</P>
<P class="p54 ft107">direktivet.</P>
<P class="p160 ft3">373</P>
</DIV>
<DIV id="page_374">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">374</P>
</DIV>
<DIV id="id_2">
<P class="p213 ft3">Paragrafen innehåller bestämmelser om stark kundautentisering. En definition av stark kundautentisering finns i 1 kap. 4 § (se även av- snitt 5.3.4).</P>
<P class="p463 ft70">I <SPAN class="ft81">första stycket </SPAN>anges när en betaltjänstleverantör ska använda sig av stark kundautentisering<SPAN class="ft81">. </SPAN>En förutsättning för att kravet ska vara tillämp- ligt är att en åtgärd görs av betalaren. Det kan t.ex. vara fråga om att denne loggar in på sin internetbank och där initierar en betalning. Kraven är dock tillämpliga även när en åtgärd vidtas av betalaren via betalnings- mottagaren eller en leverantör betalningsinitieringstjänster eller konto- informationstjänster, eftersom även sådana åtgärder härrör från betalaren.</P>
<P class="p463 ft70"><SPAN class="ft81">Andra stycket </SPAN>gäller för elektroniska betalningstransaktioner på distans, t.ex. när en betalningstransaktion initieras via internet. För sådana betal- ningstransaktioner ska betaltjänstleverantören tillämpa stark kundautenti- sering som på ett dynamiskt sätt kopplar transaktionen till ett specifikt belopp och en specifik betalningsmottagare (jfr artikel 97.2 i direktivet).</P>
<P class="p214 ft5">Enligt <SPAN class="ft41">tredje stycket </SPAN>ska en betaltjänstleverantör vidta särskilda åtgärder för att skydda betaltjänstanvändarnas personliga behörighets- funktioner mot obehörig åtkomst och förvanskning när stark kundautenti- sering tillämpas. Det innebär att betaltjänstleverantören ska ha tillräck- liga säkerhetskrav för att skydda konfidentialitet och integritet i fråga om uppgifterna (se artikel 97.3 i direktivet).</P>
<P class="p288 ft3">Enligt <SPAN class="ft4">fjärde stycket </SPAN>gäller inte kraven på stark kundautentisering enligt första och andra styckena om annat följer av tekniska standarder som antagits av kommissionen.</P>
<P class="p213 ft6">Detaljerade regler finns i en delegerad förordning med tekniska standarder för stark kundautentisering och gemensamma och öppna säkra kommunikationsstandarder som antagits av kommissionen enligt artikel 98 i andra betaltjänstdirektivet (se Commission delegated regulation [EU] supplementing Directive 2015/2366 of the European Parliament and of the Council with regard to regulatory technical standards for strong customer authentication and common and secure open standards of communication [C(2017)7782], som ännu inte finns i svensk språkversion). De tekniska standarderna innehåller bl.a. undantag från kraven på stark kundautentisering.</P>
<P class="p1105 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 11.4.</P>
<P class="p316 ft42">5 §</P>
<P class="p1107 ft64">Paragrafen, som är ny, genomför artikel 97.5 i andra betaltjänstdirektivet. Paragrafen innebär att en kontoförvaltande betaltjänstleverantör ska göra det möjligt för leverantörer av betalningsinitieringstjänster och kontoinformationstjänster att förlita sig på den autentisering som den</P>
<P class="p15 ft6">tillhandahåller betaltjänstanvändaren.</P>
<P class="p1159 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 11.4.</P>
<P class="p316 ft42">6 §</P>
<P class="p1160 ft93">Paragrafen, som är ny, innehåller bemyndiganden för regeringen eller den myndighet som regeringen bestämmer att meddela föreskrifter inom</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_375">
<P class="p557 ft3">de områden som reglereras i <NOBR>1–3</NOBR> §§, se författningskommentarerna till de Prop. 2017/18:77 paragraferna.</P>
<P class="p103 ft3">Övervägandena finns i avsnitten 11.2.1, 11.2.2 och 11.3.1.</P>
<P class="p794 ft42">7 kap.</P>
<P class="p45 ft42">4 §</P>
<P class="p1099 ft3">Paragrafen, som är ny, genomför delvis artikel 35.2 i andra betaltjänst- direktivet.</P>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr28 td298"><P class="p90 ft3">Paragrafen reglerar rätten för betaltjänstleverantörer att få indirekt</P></TD>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">tillträde till betalningssystem. En definition av betalningssystem finns i</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">1 kap. 4 §.</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p90 ft6">I <SPAN class="ft4">första stycket </SPAN>anges att om en deltagare i ett anmält system enligt lagen</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">om system för avveckling av förpliktelser på finansmarknaden ger betal-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">tjänstleverantörer som inte är deltagare i systemet möjlighet att sända</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">överföringsorder genom systemet, ska den deltagaren på objektiva, icke-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">diskriminerande och proportionella grunder ge samma möjlighet även till</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">andra betaltjänstleverantörer som begär det. För sådant indirekt tillträde</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">gäller de förutsättningar som anges i 1 §, dvs. indirekt tillträde får inte</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">nekas i större utsträckning än som är nödvändigt för att skydda mot</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">risker i verksamheten och för att skydda betalningssystemets finansiella</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">och operativa stabilitet. Det är inte heller tillåtet att diskriminera betal-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">tjänstleverantörer på grund av den juridiska form i vilken deras verk-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">samhet drivs. När det gäller bedömningen av om tillträde ges på ett objek-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">tivt, <NOBR>icke-diskriminerande</NOBR> och proportionellt sätt bör de förarbets-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">uttalanden som avser motsvarande kriterier i 1 § kunna ge ledning</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">(prop. 2009/10:220 s. <NOBR>274–276).</NOBR></P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p90 ft6"><SPAN class="ft4">Andra stycket </SPAN>innebär att en deltagare som nekar en betaltjänst-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">leverantör sådant tillträde till betalningssystem som avses i första stycket,</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">ska ge betaltjänstleverantören skälen för detta. En betaltjänstleverantör</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">som vägras indirekt tillträde har alltså rätt att få en motivering till</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">beslutet.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p90 ft3">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets</SPAN></P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">förslag.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p90 ft3">Övervägandena finns i avsnitt 9.1.</P></TD>
<TD class="tr20 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr49 td298"><P class="p3 ft42">5 §</P></TD>
<TD class="tr49 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr24 td298"><P class="p3 ft3">Paragrafen, som är ny, genomför artikel 36 i andra betaltjänstdirektivet.</P></TD>
<TD class="tr24 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p90 ft3">Paragrafen reglerar rätten för betaltjänstleverantörer att få tillgång till</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">betalkontotjänster hos kreditinstitut i den omfattning som behövs för att</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">betaltjänstleverantörerna obehindrat och effektivt ska kunna tillhanda-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">hålla sina betaltjänster. Med betalkontotjänster avses dels tillgång till ett</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">betalkonto, dels tillgång till sådana tjänster som normalt erbjuds i sam-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">band med ett betalkonto, t.ex. som möjliggör debitering eller kreditering</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">vid betalning.</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p90 ft6">Ett kreditinstitut ska enligt <SPAN class="ft4">första stycket </SPAN>ge betaltjänstleverantörer som</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">begär det tillgång till kreditinstitutets betalkontotjänster på objektiva,</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3"><NOBR>icke-diskriminerande</NOBR> och proportionella grunder. Det innebär att de regler</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">som ett kreditinstitut ställer upp för att någon ska få tillgång till betal-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p3 ft3">konto och de tjänster som kan användas i samband med kontot inte får</P></TD>
<TD rowspan=2 class="tr51 td78"><P class="p17 ft3">375</P></TD>
</TR>
<TR>
<TD class="tr42 td298"><P class="p3 ft114"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_376">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">376</P>
</DIV>
<DIV id="id_2">
<P class="p314 ft5">diskriminera betaltjänstleverantörer. Ett kreditinstitut får alltså inte ställa strängare krav för att dessa aktörer ska få öppna betalkonto än dem som institutet ställer för att andra företag ska få öppna sådana konton. Ett kreditinstitut får inte heller vägra dessa aktörer tillgång till betal- kontotjänster på andra grunder än vad som gäller för andra näringsidkare som behöver öppna ett betalkonto för att kunna driva sin verksamhet. Det kan emellertid inte anses diskriminerande att kreditinstitut kräver att betal- tjänstleverantörer omfattas av de tillstånd eller undantag från till- ståndsplikt som följer av lag för den verksamhet för vilken betalkontot ska användas. Detsamma torde vara fallet med krav på att betaltjänst- leverantörer ska följa övrig lagstiftning på finansmarknadsområdet, som t.ex. penningtvättslagen.</P>
<P class="p630 ft40">Tillgången ska vara så omfattande att betaltjänstleverantörerna kan tillhandahålla sina betaltjänster på ett obehindrat och effektivt sätt. I det ligger att tillgången till betalkontotjänster inbegriper sådana tjänster som ger möjlighet att använda betalkontot på ett ändamålsenligt sätt.</P>
<P class="p213 ft6"><SPAN class="ft4">Andra stycket </SPAN>innebär att ett kreditinstitut som nekar en betaltjänst- leverantör tillgång till institutets betalkontotjänster, ska meddela detta till Finansinspektionen och ange skälen för detta. På så sätt får Finansinspek- tionen visst underlag för tillsynen över att bestämmelserna om rätt till betalkonto följs.</P>
<P class="p1106 ft3">Paragrafen har i allt väsentligt utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P>
<P class="p606 ft3">Övervägandena finns i avsnitt 9.2.</P>
<P class="p316 ft42">8 kap.</P>
<P class="p45 ft42">1 §</P>
<P class="p757 ft3">Paragrafen genomför artiklarna 22.1, 22.3 och 22.4, delvis artikel 31.2, artikel 100.1 och delvis artikel 100.4 i andra betaltjänstdirektivet och artikel 21.1 och 21.3 i betalkontodirektivet.</P>
<P class="p213 ft6">Paragrafen reglerar omfattningen av Finansinspektionens tillsyn och skyldighet att samråda med Konkurrensverket.</P>
<P class="p606 ft3">I <SPAN class="ft4">första stycket </SPAN>görs endast en redaktionell ändring.</P>
<P class="p463 ft5">Ändringen i <SPAN class="ft41">tredje stycket </SPAN>innebär att skyldigheten för Finansinspektionen att samråda med Konkurrensverket utvidgas till att även omfatta tillsyns- åtgärder eller ingripande mot en deltagare i ett betalningssystem för över- trädelse av bestämmelserna om indirekt tillträde till betalningssystem (<SPAN class="ft41">punkt 2</SPAN>) eller mot ett kreditinstitut för överträdelse av bestämmelserna om betalningsinstituts och registrerade betaltjänstleverantörers tillgång till betalkonto (<SPAN class="ft41">punkt 3</SPAN>).</P>
<P class="p1161 ft3">Övervägandena finns i avsnitten 9 och 12.2.</P>
<P class="p316 ft42">2 §</P>
<P class="p757 ft3">Paragrafen genomför delvis artiklarna 23.1 och 29.2, artikel 29.4 och delvis artikel 37.2 och 37.3 i andra betaltjänstdirektivet.</P>
<P class="p213 ft3">Paragrafen innebär en skyldighet för de som driver verksamhet som avses i lagen att lämna Finansinspektionen upplysningar.</P>
<P class="p463 ft151">I <SPAN class="ft190">första stycket </SPAN>görs ett tillägg av ytterligare företag som ska lämna Finansinspektionen de uppgifter som inspektionen begär. Tillägget innebär</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_377">
<P class="p490 ft3">att Finansinspektionen kan begära in upplysningar från dels de företag Prop. 2017/18:77 som omfattas av anmälningsplikt enligt 1 kap. 9 §, dels utländska företag</P>
<P class="p521 ft6">som tillhandahåller betaltjänster i Sverige från en filial eller genom ett ombud här i landet. Regeringen eller den myndighet som regeringen bestämmer kan meddela föreskrifter om upplysningsskyldigheten med stöd av 27 §.</P>
<P class="p12 ft6"><SPAN class="ft4">Andra stycket</SPAN>, som är nytt, genomför artikel 29.4 i direktivet och innebär att ett utländskt företag som tillhandahåller betaltjänster i Sverige genom ett ombud ska inrätta en central kontaktpunkt här i landet om Finans- inspektionen begär det. I tekniska standarder som antas av kommissionen kommer det att specificeras när det är lämpligt att inrätta en sådan kontaktpunkt (artikel 29.7 i direktivet).</P>
<P class="p1018 ft3">Övervägandena finns i avsnitten 6.4.1, 13.3.2 och 13.3.3.</P>
<P class="p1066 ft42">3 §</P>
<P class="p1162 ft64">Paragrafen genomför artikel 23.1 b i andra betaltjänstdirektivet. Paragrafen innehåller bestämmelser om Finansinspektionens befogen-</P>
<P class="p54 ft3">het att genomföra platsundersökningar.</P>
<P class="p12 ft3">I <SPAN class="ft4">första stycket 3 </SPAN>görs endast en följdändring med anledning av att bestämmelserna om utländska företags rätt att driva verksamhet i Sverige samlas i 3 kap. 26 §.</P>
<P class="p1069 ft42">4 §</P>
<P class="p492 ft3">Paragrafen genomför artiklarna 26, 29.1 tredje stycket, 29.3, 30.4 och 34 andra meningen i andra betaltjänstdirektivet och artikel 22 i betalkonto- direktivet. Paragrafen är utformad efter förebild av 23 kap. 5 § lagen (2007:528) om värdepappersmarknaden.</P>
<P class="p12 ft6">Paragrafen innehåller bestämmelser om samarbete och utbyte av information mellan behöriga myndigheter.</P>
<P class="p57 ft5">I <SPAN class="ft41">första stycket</SPAN>, som rör vilka andra myndigheter Finansinspektionen ska samarbeta och utbyta information med, läggs Europeiska kommis- sionen och Eba till. Dessutom görs ett tillägg om att samarbetet och informationsutbytet ska ske i den utsträckning som följer av andra betal- tjänstdirektivet och betalkontodirektivet. I andra betaltjänstdirektivet finns regler om samarbete och utbyte av information mellan myndigheter som inte kommer till uttryck i lagen på annat sätt än genom denna paragraf (se t.ex. artiklarna 26 och 29.1 tredje stycket). Finansinspek- tionen ska t.ex. informera kommissionen och Eba om inspektionen vidtar s.k. säkerhetsåtgärder (artikel 30.4, jfr 21 § fjärde stycket). Se även författningskommentaren till 4 a §. Även i betalkontodirektivet finns regler om samarbete och utbyte av information (se artikel 22).</P>
<P class="p1068 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 13.3.6.</P>
<P class="p4 ft42">4 a §</P>
<P class="p1136 ft3">Paragrafen genomför artikel 27 i andra betaltjänstdirektivet och artikel 23 i betalkontodirektivet.</P>
<P class="p13 ft3">Paragrafen innehåller bestämmelser om s.k. bindande medling.</P>
<P class="p14 ft3">377</P>
</DIV>
<DIV id="page_378">
<P class="p498 ft5">Prop. 2017/18:77 I paragrafen görs ett tillägg som innebär att Finansinspektionen, i egen- skap av behörig myndighet, har möjlighet att hänskjuta frågor som rör ett förfarande av en annan behörig myndighet inom EES till Eba för tvist- lösning i de fall som avses i artikel 27 i andra betaltjänstdirektivet, dvs. frågor om samarbete och utbyte av information mellan behöriga myndig- heter eller vissa andra institutioner, ett betalningsinstituts ansökan om utövande av etableringsrätten och friheten att tillhandahålla tjänster i en annan medlemsstat, tillsyn över dessa och behöriga myndigheters åt- gärder vid bristande efterlevnad, inbegripet säkerhetsåtgärder samt be- höriga myndigheters motivering och meddelande av åtgärder (artik- larna 26, 28, 29, 30 och 31). Sådana gränsöverskridande förfaranden och möjligheten till hänskjutande regleras i artikel 19 i Ebaförordningen. Vid fall av bindande medling bör Finansinspektionen, i lojalitet med med- lingsförfarandet, som utgångspunkt avvakta med att fatta beslut i det aktuella ärendet. Det kan även noteras att det åligger Finansinspektionen att samarbeta med såväl Eba som andra behöriga myndigheter (se 4 §).</P>
<P class="p1163 ft3">Övervägandena finns i avsnitt 14.16.</P>
<P class="p998 ft42">5 §</P>
<P class="p1164 ft3">Paragrafen genomför delvis artikel 13.3 och artiklarna 14, 15.2, 15.3 och 37.4 i andra betaltjänstdirektivet.</P>
<P class="p1165 ft3">Paragrafen innehåller bestämmelser om det register Finansinspektionen ska föra över verksamhet som drivs enligt lagen.</P>
<P class="p1056 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft181">första stycket </SPAN>införs, i <SPAN class="ft4">punkterna </SPAN><NOBR><SPAN class="ft4">2</SPAN>–<SPAN class="ft4">4</SPAN>,</NOBR> som är nya, ytterligare upp- gifter som Finansinspektionen ska föra in i registret. Det innebär att registret även ska innehålla uppgifter om den verksamhet som drivs av den som avses i 1 kap. 10 § om förutsättningarna för undantag är upp- fyllda, tillstånd som har återkallats samt uppgifter om vilka registrerade betaltjänstleverantörer som inte längre uppfyller villkoren för registre- ring. Nuvarande sista meningen överförs oförändrad till <SPAN class="ft4">andra stycket</SPAN>, som är nytt.</P>
<P class="p1142 ft40"><SPAN class="ft5">I</SPAN><SPAN class="ft88">tredje stycket</SPAN>, som är nytt, anges att Finansinspektionen så snart det kan ske ska underrätta Eba om information som förts in i registret samt om skälen till att ett tillstånd återkallats eller till att en registrerad betaltjänst- leverantör inte längre uppfyller villkoren för registrering.</P>
<P class="p1166 ft76">Paragrafen har utformats i enlighet med <SPAN class="ft50">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 6.4.2 och 14.3.</P>
<P class="p847 ft42">13 §</P>
<P class="p1052 ft3">Paragrafen genomför delvis artikel 30.1 andra stycket i andra betaltjänst- direktivet.</P>
<P class="p482 ft6">Paragrafen reglerar vilka åtgärder som Finansinspektionen ska vidta i samband med att en behörig myndighet i ett annat land meddelat att ett betalningsinstitut som är registrerat i Sverige överträtt föreskrifter i det landet.</P>
<P class="p1167 ft3">I paragrafen införs en skyldighet för Finansinspektionens att underrätta behöriga myndigheter i andra länder inom EES om vilka åtgärder som inspektionen vidtar mot ett betalningsinstitut.</P>
<P class="p701 ft3">378</P>
</DIV>
<DIV id="page_379">
<TABLE cellpadding=0 cellspacing=0 class="t129">
<TR>
<TD class="tr19 td316"><P class="p3 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P></TD>
<TD class="tr19 td115"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr20 td316"><P class="p3 ft3">Övervägandena finns i avsnitt 13.3.5.</P></TD>
<TD class="tr20 td115"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p272 ft42">21 §</P>
<P class="p1099 ft3">Paragrafen genomför delvis artiklarna 23.2, 30.1, 31.2, 100.4 och 103.1 i andra betaltjänstdirektivet.</P>
<P class="p405 ft3">Paragrafen reglerar Finansinspektionens möjligheter att ingripa mot ett utländskt företag som tillhandahåller betaltjänster i Sverige.</P>
<P class="p408 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft179">första stycket </SPAN>görs en följdändring med anledning av att bestäm- melserna om utländska företags rätt att driva verksamhet i Sverige sam- las i 3 kap. 26 §. I stycket görs även en språklig ändring.</P>
<P class="p457 ft5"><SPAN class="ft3">I</SPAN><SPAN class="ft90">andra stycket </SPAN>tas i en första mening in en bestämmelse som innebär att om ett utländskt företag som i Sverige tillhandahåller betaltjänster från en filial eller genom ett ombud här i landet inte driver sin verksamhet med betaltjänster i Sverige i enlighet med bestämmelserna i lagen ska Finans- inspektionen så snart det kan ske underrätta den behöriga myndigheten i företagets hemland. Den nuvarande bestämmelsen om rättelse- föreläggande motsvaras i huvudsak av andra meningen. Bestämmelsen justeras med anledning av det i nya 5 a och 5 b kap. tas in bestämmelser som genomför regler i avdelning IV i andra betaltjänstdirektivet och som Finansinspektionen ska utöva tillsyn över att aktuella företag följer (se artikel 100.4).</P>
<P class="p1168 ft3">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft4">Lagrådet</SPAN>. Övervägandena finns i avsnitt 13.3.4.</P>
<P class="p316 ft42">23 e §</P>
<P class="p1169 ft76">Paragrafen, som är ny, genomför delvis artiklarna 30.1 andra stycket, 33 och 103.1 i andra betaltjänstdirektivet.</P>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr15 td298"><P class="p90 ft3">Paragrafen reglerar vilka åtgärder som Finansinspektionen ska vidta i</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">samband med att en behörig myndighet i ett annat land meddelat att en i</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">Sverige registrerad betaltjänstleverantör som tillhandahåller kontoinfor-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">mationstjänster överträtt föreskrifter i det landet. Motsvarande bestäm-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">melser när det gäller betalningsinstitut finns i 13 §. Direktivet ger endast</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">betalningsinstitut och registrerade betaltjänstleverantörer som tillhanda-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">håller kontoinformationstjänster en rätt att tillhandahålla sina tjänster i</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">andra länder (jfr 3 kap. 26 §).</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p90 ft6">De åtgärder som kan bli aktuella att vidta när det gäller en registrerad</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">betaltjänstleverantör som tillhandahåller kontoinformationstjänster är de</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">som anges i 23 §.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p90 ft3">Övervägandena finns i avsnitten 7.3.3 och 13.3.5.</P></TD>
<TD class="tr20 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr49 td298"><P class="p3 ft42">27 §</P></TD>
<TD class="tr49 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr24 td298"><P class="p3 ft3">Paragrafen genomför delvis artiklarna 29.2, 37.2 och 37.3 i andra betal-</P></TD>
<TD class="tr24 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p3 ft3">tjänstdirektivet.</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p90 ft6">Paragrafen innehåller bemyndiganden för regeringen eller den myndig-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">het som regeringen bestämmer att meddela föreskrifter.</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td298"><P class="p90 ft3">I <SPAN class="ft4">punkt 1 </SPAN>görs en ändring när det gäller vilka företag som omfattas.</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td298"><P class="p3 ft6">I stället för att företagen räknas upp hänvisas till uppgiftsskyldigheten</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td298"><P class="p3 ft3">enligt 2 §. Eftersom den bestämmelsen utvidgas till att även omfatta bl.a.</P></TD>
<TD class="tr20 td78"><P class="p17 ft3">379</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_380">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">380</P>
</DIV>
<DIV id="id_2">
<P class="p460 ft6">utländska företag som driver verksamhet i Sverige utvidgas även bemyn- digandet att meddela föreskrifter. Det görs även ett tillägg som innebär att föreskrifterna också får avse när information ska lämnas till Finans- inspektionen. På så sätt kan föreskrifter meddelas om t.ex. periodiska rapporter (jfr artikel 29.2 i direktivet).</P>
<P class="p1170 ft3">Övervägandena finns i avsnitten 6.4.1 och 13.3.2.</P>
<P class="p794 ft42">Ikraftträdande- och övergångsbestämmelser</P>
<P class="p755 ft3">Ikraftträdande- och övergångsbestämmelserna genomför artiklarna 109, 115.4 och 115.6 samt delvis artikel 115.1 och 115.2 i andra betaltjänst- direktivet.</P>
<P class="p463 ft5"><SPAN class="ft41">Punkt 1 </SPAN>innebär att lagen träder i kraft den 1 maj 2018 med undantag av angivna bestämmelser. Enligt artikel 115.4 i andra betaltjänst- direktivet ska de bestämmelser om säkerhetsåtgärder som avses i artik- larna <NOBR>65–67</NOBR> och 97 i direktivet tillämpas fr.o.m. 18 månader efter dagen när de tekniska standarder för stark kundautentisering och gemensamma och säkra öppna kommunikationsstandarder som avses i artikel 98 i direktivet träder i kraft. De angivna bestämmelserna genomför dessa regler i direktivet i svensk rätt. Regeringen kommer därför att, i enlighet med direktivet, besluta när dessa bestämmelser ska träda i kraft.</P>
<P class="p1123 ft3"><SPAN class="ft4">Punkt 2 </SPAN>innebär att lagen om obehöriga transaktioner med betalnings- instrument upphävs. Punkten innehåller även en övergångsbestämmelse som innebär att den upphävda lagen ska tillämpas på avtal som ingåtts före ikraftträdandet.</P>
<P class="p463 ft5"><SPAN class="ft41">Punkt 3</SPAN>, som genomför artikel 109.1 och 109.2 i direktivet, innehåller övergångsbestämmelser som gäller för juridiska personer som vid ikraft- trädandet har tillstånd att driva verksamhet som betalningsinstitut. <SPAN class="ft41">Första meningen </SPAN>innebär att en sådan juridisk person får fortsätta verksamheten under en övergångsperiod i enlighet med de krav för tillstånd som gäller enligt de nuvarande bestämmelserna. Av <SPAN class="ft41">andra meningen </SPAN>följer att det efter övergångsperioden krävs ett nytt tillstånd för verksamheten. Enligt <SPAN class="ft41">tredje meningen </SPAN>får verksamheten fortsätta till dess att en ansökan om tillstånd som har getts in till Finansinspektionen före övergångsperiodens slut har prövats slutligt. Enligt <SPAN class="ft41">fjärde meningen </SPAN>ska Finansinspektionen när inspektionen redan har tillräckliga uppgifter för att bedöma att kraven enligt de nya bestämmelserna är uppfyllda meddela beslut om tillstånd utan att den juridiska personen ansökt om det. I en sådan situation ska inspektionen, enligt <SPAN class="ft41">femte meningen</SPAN>, först informera den berörda personen.</P>
<P class="p628 ft5"><SPAN class="ft41">Punkt 4</SPAN>, som genomför artikel 109.3 och 109.4 i direktivet, innehåller övergångsbestämmelser för fysiska eller juridiska personer för vilka det vid ikraftträdandet gäller ett undantag från tillståndsplikt enligt 2 kap. 3 §, dvs. registrerade betaltjänstleverantörer. <SPAN class="ft41">Första meningen </SPAN>innebär att en sådan person får fortsätta verksamheten under en övergångsperiod i enlighet med de krav för undantag från tillståndsplikt som gäller enligt de nuvarande bestämmelserna. Av <SPAN class="ft41">andra meningen </SPAN>följer att det efter över- gångsperioden krävs ett nytt undantag från tillståndsplikt enligt 2 kap. 3 § eller tillstånd för verksamheten. Enligt <SPAN class="ft41">tredje meningen </SPAN>får verk- samheten fortsätta till dess att en ansökan om tillstånd eller undantag från tillståndsplikt som har getts in till Finansinspektionen före övergångs-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_381">
<DIV>
<DIV id="id_1">
<P class="p53 ft5">periodens slut har prövats slutligt. Enligt <SPAN class="ft41">fjärde meningen </SPAN>ska Finans- inspektionen när inspektionen redan har tillräckliga uppgifter för att bedöma att kraven för undantag enligt de nya bestämmelserna är upp- fyllda meddela beslut om undantag enligt 2 kap. 3 § utan att den berörda personen ansökt om det. I en sådan situation ska inspektionen, enligt <SPAN class="ft41">femte meningen</SPAN>, först informera den berörda personen.</P>
<P class="p632 ft64"><SPAN class="ft63">Punkt 5</SPAN>, som genomför artikel 109.5 i direktivet, innehåller övergångs- bestämmelser för juridiska personer som har tillstånd att som betalnings- institut tillhandahålla sådana betaltjänster som avses i 1 kap. 2 § 6 i den nuvarande lydelsen, s.k. systemoperatörstjänster. Definitionen av dessa betaltjänster utmönstras ur lagen, se avsnitt 5.2. <SPAN class="ft63">Första meningen </SPAN>innebär att en juridisk person som vid ikraftträdandet har tillstånd att tillhanda- hålla systemoperatörstjänster får fortsätta verksamheten under en över- gångsperiod. Av <SPAN class="ft63">andra meningen </SPAN>följer att det därefter krävs tillstånd för verksamheten. Enligt <SPAN class="ft63">tredje meningen </SPAN>får verksamheten fortsätta till dess att en ansökan om tillstånd som har getts in till Finansinspektionen före övergångsperiodens slut har prövats slutligt. Enligt <SPAN class="ft63">fjärde meningen </SPAN>ska Finansinspektionen, efter att först ha kontrollerat att den juridiska personen uppfyller kraven på kapitalbas i 3 kap. <NOBR>1–3</NOBR> §§, meddela beslut om tillstånd för sådana betaltjänster som avses i 1 kap. 2 § 3 i den nya lydelsen. Ett sådant tillstånd ska meddelas oavsett om den juridiska per- sonen gjort någon ansökan om det eller inte. De betaltjänster som avses i 1 kap. 2 § 3 i den nya lydelsen är genomförande av betalningstransak- tioner (betaltjänster enligt punkt 3 i bilaga I till direktivet). Ett sådant tillstånd ger inte rätt att tillhandahålla betalningstransaktioner där över- föringen täcks av ett kreditutrymme (dvs. betaltjänster enligt punkt 4 i bilaga I till direktivet).</P>
<P class="p710 ft5"><SPAN class="ft41">Punkt 6</SPAN>, som saknar motsvarighet i direktivet (jfr dock artikel 115.5), innehåller en övergångsbestämmelse för fysiska och juridiska personer som vid ikraftträdandet driver verksamhet som leverantör av betalnings- initieringstjänster eller kontoinformationstjänster. Dessa verksamheter blir i och med ikraftträdandet betaltjänster och därmed tillståndspliktiga. Övergångsbestämmelsen innebär att de berörda fysiska eller juridiska personerna får fortsätta den verksamheten under en övergångsperiod t.o.m. den 1 november 2018. Om en ansökan om tillstånd eller ansökan om undantag från tillståndsplikt gjorts före övergångsperiodens slut, får verksamheten fortsätta utan krav på tillstånd eller undantag från tillståndsplikt till dess att ansökan prövats slutligt.</P>
<P class="p632 ft5"><SPAN class="ft41">Punkt 7</SPAN>, som saknar motsvarighet i direktivet, innehåller en övergångs- bestämmelse för den som vid ikraftträdandet driver uppräkningsverk- samhet. Sådan verksamhet kommer i och med ikraftträdandet att om- fattas av lagens tillämpningsområde (se 1 kap. 6 § 1), vilket medför att det kommer att krävas tillstånd eller undantag från tillståndsplikt för att driva verksamheten. Övergångsbestämmelsen innebär att berörda per- soner får fortsätta med verksamheten under en övergångsperiod t.o.m. den 1 november 2018. Om en ansökan om tillstånd eller undantag från tillståndsplikt gjorts före övergångsperiodens slut, får verksamheten fortsätta utan krav på tillstånd eller undantag från tillståndsplikt till dess att ansökan prövats slutligt.</P>
<P class="p858 ft59"><SPAN class="ft54">Punkt 8</SPAN>, som genomför artikel 115.6 i direktivet, innebär att en konto- förvaltande betaltjänstleverantörer som ännu inte följer de tekniska</P>
</DIV>
<DIV id="id_2">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">381</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_382">
<P class="p572 ft3">Prop. 2017/18:77 standarderna för stark kundautentisering och gemensamma och säkra öppna kommunikationsstandarder när dessa ska börja tillämpas, inte får missbruka den bristande efterlevnaden för att blockera eller förhindra användningen av betalningsinitieringstjänster eller kontoinformations- tjänster (jfr 5 kap. 7 §).</P>
<P class="p486 ft70"><SPAN class="ft81">Punkt 9</SPAN>, som saknar motsvarighet i direktivet, innebär att ändringar i befintliga ramavtal som behövs för att i dem införa villkor i enlighet med de nya bestämmelserna kan göras genom att betaltjänstleverantören med- delar betaltjänstanvändarna om ändringarna minst en månad före den dag då de föreslås börja tillämpas, och betaltjänstanvändaren inte motsätter sig de föreslagna ändringarna. Vidare får ändringar som gynnar betal- tjänstanvändaren genomföras utan att meddelas denne i förväg.</P>
<P class="p482 ft3">Ikraftträdande- och övergångsbestämmelserna har utformats i linje med <SPAN class="ft4">Lagrådets </SPAN>synpunkter.</P>
<P class="p505 ft3">Övervägandena finns i avsnitten 8.2 och 15.</P>
<P class="p1171 ft37"><SPAN class="ft35">17.2</SPAN><SPAN class="ft160">Förslaget till lag om ändring i lagen (1992:160) om utländska filialer m.m.</SPAN></P>
<P class="p1172 ft42">13 §</P>
<P class="p1061 ft3">Paragrafen innehåller bestämmelser om revision.</P>
<P class="p482 ft6">I <SPAN class="ft4">andra stycket 2 </SPAN>tas betalningsinstitut bort med anledning av att lagen om årsredovisning i kreditinstitut och värdepappersbolag inte längre är tillämplig på betalningsinstitut.</P>
<P class="p1173 ft3">Övervägandena finns i avsnitt 14.17.</P>
<P class="p1174 ft37"><SPAN class="ft35">17.3</SPAN><SPAN class="ft160">Förslaget till lag om ändring i bokföringslagen (1999:1078)</SPAN></P>
<P class="p1175 ft42">6 kap.</P>
<P class="p781 ft42">3 a §</P>
<P class="p573 ft76">Paragrafen innehåller bestämmelser om när den löpande bokföringen får avslutas med ett årsbokslut i stället för en årsredovisning.</P>
<P class="p482 ft6">I <SPAN class="ft4">första stycket 2 </SPAN>tas betalningsinstitut bort med anledning av att lagen om årsredovisning i kreditinstitut och värdepappersbolag inte längre är tillämplig på betalningsinstitut.</P>
<P class="p505 ft3">Övervägandena finns i avsnitt 14.17.</P>
<P class="p998 ft42">8 kap.</P>
<P class="p781 ft42">2 §</P>
<P class="p1030 ft3">Paragrafen innehåller bemyndiganden.</P>
<P class="p482 ft3">I <SPAN class="ft4">första stycket 1 </SPAN>tas betalningsinstitut bort med anledning av att lagen om årsredovisning i kreditinstitut och värdepappersbolag inte längre är tillämplig på betalningsinstitut.</P>
<P class="p505 ft3">Övervägandena finns i avsnitt 14.17.</P>
<P class="p1130 ft3">382</P>
</DIV>
<DIV id="page_383">
<TABLE cellpadding=0 cellspacing=0 class="t106">
<TR>
<TD class="tr29 td119"><P class="p28 ft118">17.4</P></TD>
<TD class="tr29 td355"><P class="p25 ft35">Förslaget till lag om ändring i lagen (2006:595) <SPAN class="ft191">Prop. 2017/18:77</SPAN></P></TD>
</TR>
<TR>
<TD class="tr1 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr1 td355"><P class="p25 ft97">om europakooperativ</P></TD>
</TR>
</TABLE>
<P class="p1176 ft42">31 §</P>
<P class="p1136 ft3">Paragrafen innehåller bestämmelser om årsredovisning och koncern- redovisning för europakooperativ.</P>
<P class="p1070 ft6">I <SPAN class="ft4">andra stycket </SPAN>tas hänvisningen till 3 kap. 9 § andra stycket betal- tjänstlagen bort, se författningskommentaren till den paragrafen.</P>
<P class="p597 ft3">Övervägandena finns i avsnitt 14.17.</P>
<P class="p1177 ft100"><SPAN class="ft118">17.5</SPAN><SPAN class="ft192">Förslaget till lag om ändring i marknadsföringslagen (2008:486)</SPAN></P>
<P class="p65 ft42">1 §</P>
<P class="p1178 ft40">I paragrafen finns bl.a. en lista över lagar som innehåller bestämmelser om marknadsföring. Ändringen innebär att listan kompletteras med en hänvisning till betaltjänstlagen, enligt vilken marknadsföringslagens bestämmelser ska tillämpas (se författningskommentarerna till 4 kap. 21 § och 4 a kap. 5 § betaltjänstlagen).</P>
<P class="p1179 ft37"><SPAN class="ft118">17.6</SPAN><SPAN class="ft160">Förslaget till lag om ändring i lagen (2011:755) om elektroniska pengar</SPAN></P>
<P class="p1180 ft124">Utöver de ändringar som kommenteras nedan föreslås ändringar i 2 kap. 2 § och 5 kap. 3 och 22 §§. Ändringarna i de paragraferna avser enbart att hänvisningar till 3 kap. 27 § tas bort när bestämmelserna om utländ- ska företags rätt att driva verksamhet i Sverige samlas i 3 kap. 26 §.</P>
<P class="p1181 ft42">3 kap.</P>
<P class="p65 ft42">6 §</P>
<P class="p469 ft3">Paragrafen innehåller bestämmelser om förbud och skyldigheter i verk- samhet som drivs av institut för elektroniska pengar och registrerade utgivare.</P>
<P class="p12 ft3">I <SPAN class="ft4">andra stycket </SPAN>görs en följdändring med anledning av de ändringar som görs i 1 kap. 2 § betaltjänstlagen, se författningskommentaren till den paragrafen.</P>
<P class="p1069 ft42">18 §</P>
<P class="p877 ft76">Paragrafen genomför delvis artikel 111.1 b i andra betaltjänstdirektivet och artikel 3.5 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p57 ft40">Paragrafen innehåller bestämmelser om den anmälan som ska ges in till Finansinspektionen av ett institut för elektroniska pengar eller en registrerad utgivare som vill tillhandahålla betaltjänster genom ombud.</P>
<P class="p1182 ft3">383</P>
</DIV>
<DIV id="page_384">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">384</P>
</DIV>
<DIV id="id_2">
<P class="p213 ft3">Ändringarna i paragrafen motsvarar i huvudsak de ändringar som görs i 3 kap. 17 § betaltjänstlagen, se författningskommentaren till den para- grafen.</P>
<P class="p213 ft6">Enligt 5 § får ett institut för elektroniska pengar eller en registrerad utgivare tillhandahålla betaltjänster. Av 1 kap. 2 § betaltjänstlagen följer att kontoinformationstjänster är betaltjänster. Ändringarna i <SPAN class="ft4">första stycket </SPAN>innebär att ett institut för elektroniska pengar eller en registrerad utgivare som vill tillhandahålla kontoinformationstjänster genom ombud inte be- höver anmäla detta.</P>
<P class="p213 ft6">Ändringarna i <SPAN class="ft4">andra stycket </SPAN>innebär att en anmälan ska innehålla även ombudets unika identifikationskod eller identifikationsnummer om sådana uppgifter finns (<SPAN class="ft4">punkt 1</SPAN>) och uppgift om vilka betaltjänster som ombudet har i uppdrag att tillhandahålla (<SPAN class="ft4">punkt 5</SPAN>). Övriga ändringar är endast språkliga.</P>
<P class="p1183 ft76"><SPAN class="ft3">I</SPAN><SPAN class="ft193">tredje stycket </SPAN>införs en skyldighet för Finansinspektionen att inom två månader fatta beslut i registreringsfrågan.</P>
<P class="p462 ft6"><SPAN class="ft6">I</SPAN><SPAN class="ft53">fjärde stycket</SPAN>, som är nytt, anges att ombudet inte får tillhandahålla betaltjänster innan registrering har gjorts.</P>
<P class="p213 ft6">Nuvarande bestämmelse om skyldighet att tillse att ombudet informerar betaltjänstanvändarna om att det agerar för annans räkning förs oförändrad över till <SPAN class="ft4">femte stycket</SPAN>, som är nytt. I den bestämmelsen görs motsvarande undantag för kontoinformationstjänster som i 3 kap. 24 § betaltjänstlagen.</P>
<P class="p1184 ft93">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft182">Lagrådet</SPAN>. Övervägandena finns i avsnitten 13.1.2, 13.1.3 och 14.18.</P>
<P class="p279 ft42">19 §</P>
<P class="p757 ft3">Paragrafen genomför delvis artikel 111.1 b i andra betaltjänstdirektivet och artikel 3.4 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p213 ft6">Paragrafen innehåller bestämmelser om de underrättelser som ska ges in till Finansinspektionen om ett institut för elektroniska pengar vill distribuera elektroniska pengar, lösa in elektroniska pengar eller till- handahålla betaltjänster genom ombud i ett annat land inom EES samt rätten att inleda verksamhet.</P>
<P class="p213 ft3">Ändringarna i paragrafen motsvarar dem i 3 kap. 18 § betaltjänstlagen, se författningskommentaren till den paragrafen.</P>
<P class="p1185 ft59">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft54">Lagrådet</SPAN>. Övervägandena finns i avsnitten 13.2.2, 13.2.6 och 14.18.</P>
<P class="p272 ft42">19 a §</P>
<P class="p757 ft3">Paragrafen, som är ny, genomför delvis artikel 111.1 b i andra betal- tjänstdirektivet och artikel 3.4 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p463 ft5">Paragrafen reglerar inom vilken tid Finansinspektionen ska vidare- befordra underrättelser och meddela beslut om registrering av ett ombud som avser att distribuera elektroniska pengar, lösa in elektroniska pengar eller tillhandahålla betaltjänster i ett annat land inom EES samt på vilka grunder Finansinspektionen får vägra registrering.</P>
<P class="p288 ft76">Paragrafen motsvarar 3 kap. 18 a § betaltjänstlagen, se författnings- kommentaren till den paragrafen.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_385">
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr19 td329"><P class="p90 ft3">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft4">Lagrådet</SPAN>.</P></TD>
<TD class="tr19 td198"><P class="p217 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr20 td329"><P class="p90 ft3">Övervägandena finns i avsnitten <NOBR>13.2.4–13.2.6</NOBR> och 14.18.</P></TD>
<TD class="tr20 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr45 td329"><P class="p3 ft42">20 §</P></TD>
<TD class="tr45 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr24 td329"><P class="p3 ft3">Paragrafen genomför delvis artikel 111.1 b i andra betaltjänstdirektivet</P></TD>
<TD class="tr24 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">och artikel 3.4 i <NOBR>e-penningdirektivet.</NOBR></P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p90 ft7">Paragrafen innehåller bestämmelser om de underrättelser som ska ges</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p3 ft3">in till Finansinspektionen om ett institut för elektroniska pengar vill</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">distribuera elektroniska pengar, lösa in elektroniska pengar eller till-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">handahålla betaltjänster genom filial i ett annat land inom EES.</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p90 ft5">Ändringarna i paragrafen motsvarar dem i 3 kap. 19 § betaltjänstlagen,</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">se författningskommentaren till den paragrafen.</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p90 ft6">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag.</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td329"><P class="p90 ft3">Övervägandena finns i avsnitten 13.2.2, 13.2.6 och 14.18.</P></TD>
<TD class="tr20 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr45 td329"><P class="p3 ft42">21 §</P></TD>
<TD class="tr45 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr24 td329"><P class="p3 ft3">Paragrafen genomför delvis artikel 111.1 b i andra betaltjänstdirektivet</P></TD>
<TD class="tr24 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">och artikel 3.4 i <NOBR>e-penningdirektivet.</NOBR></P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p90 ft6">Paragrafen reglerar inom vilken tid Finansinspektionen ska vidare-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p3 ft3">befordra underrättelser och meddela beslut om registrering av en filial</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft5">som avser att distribuera elektroniska pengar, lösa in elektroniska pengar</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft5">eller tillhandahålla betaltjänster i ett annat land inom EES samt på vilka</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p3 ft3">grunder Finansinspektionen får vägra registrering.</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p90 ft5">Ändringarna i paragrafen motsvarar dem som i 3 kap. 20 § betaltjänst-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">lagen, se författningskommentaren till den paragrafen.</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p90 ft3">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft4">Lagrådet</SPAN>.</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td329"><P class="p90 ft3">Övervägandena finns i avsnitten <NOBR>13.2.4–13.2.6</NOBR> och 14.18.</P></TD>
<TD class="tr20 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr49 td329"><P class="p3 ft42">22 §</P></TD>
<TD class="tr49 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr24 td329"><P class="p3 ft3">Paragrafen genomför delvis artikel 111.1 b i andra betaltjänstdirektivet</P></TD>
<TD class="tr24 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">och artikel 3.4 i <NOBR>e-penningdirektivet.</NOBR></P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p90 ft7">Paragrafen innehåller bestämmelser om den underrättelse som ska ges</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft5">in till Finansinspektionen om ett institut för elektroniska pengar avser att</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">från Sverige tillhandahålla betaltjänster i ett annat land inom EES.</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p90 ft3">Ändringarna i paragrafen motsvarar i huvudsak dem i 3 kap. 21 §</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">betaltjänstlagen, se författningskommentaren till den paragrafen.</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td329"><P class="p90 ft3">Övervägandena finns i avsnitten 13.2.2 och 14.18.</P></TD>
<TD class="tr20 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr49 td329"><P class="p3 ft42">25 §</P></TD>
<TD class="tr49 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr24 td329"><P class="p3 ft3">Paragrafen genomför delvis artikel 111.1 b i andra betaltjänstdirektivet</P></TD>
<TD class="tr24 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p3 ft3">och artikel 3.4 och 3.5 i <NOBR>e-penningdirektivet.</NOBR></P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p90 ft7">Paragrafen innehåller bestämmelser om den underrättelse som ska ges</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">in till Finansinspektionen om ändringar som ett institut för elektroniska</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p3 ft3">pengar eller en registrerad utgivare avser att genomföra i verksamhet</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">som drivs via ombud eller filial eller i andra länder.</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p90 ft5">Ändringarna i paragrafen motsvarar dem i 3 kap. 25 § betaltjänstlagen,</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p3 ft3">se författningskommentaren till den paragrafen.</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td329"><P class="p90 ft3">Övervägandena finns i avsnitten 13.2.2, 13.2.6 och 14.18.</P></TD>
<TD rowspan=2 class="tr1 td198"><P class="p17 ft3">385</P></TD>
</TR>
<TR>
<TD class="tr42 td329"><P class="p3 ft114"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_386">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">386</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft42">26 §</P>
<P class="p757 ft3">Paragrafen genomför delvis artikel 111.1 b i andra betaltjänstdirektivet och artikel 3.4 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p213 ft3">Paragrafen reglerar rätten för utländska företag att driva verksamhet i Sverige.</P>
<P class="p463 ft6">Ändringarna i paragrafen motsvarar dem i 3 kap. 26 § tredje stycket betaltjänstlagen, se författningskommentaren till den paragrafen.</P>
<P class="p1186 ft3">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft4">Lagrådet</SPAN>. Övervägandena finns i avsnitten 13.2.6 och 14.18.</P>
<P class="p316 ft42">27 §</P>
<P class="p755 ft76">Paragrafen genomför delvis artikel 111.1 b i andra betaltjänstdirektivet och artikel 3.4 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p213 ft6">Paragrafen innehåller i nuvarande lydelse en bestämmelse om när ett utländskt företag får tillhandahålla tjänster i Sverige. Den bestämmelsen utgår och i stället införs en bestämmelse om vad Finansinspektionen ska göra när myndigheten får en underrättelse från en behörig myndighet i ett annat land inom EES om att ett utländskt företag avser att tillhandahålla betaltjänster i Sverige.</P>
<P class="p213 ft3">Ändringarna i paragrafen motsvarar dem i 3 kap. 27 § betaltjänstlagen, se författningskommentaren till den paragrafen.</P>
<P class="p1186 ft3">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft4">Lagrådet</SPAN>. Övervägandena finns i avsnitten 13.2.4 och 14.18.</P>
<P class="p801 ft42">29 §</P>
<P class="p757 ft3">Paragrafen innehåller en bestämmelse om rätt att utkontraktera vissa arbetsuppgifter och vissa operativa funktioner till andra samt en skyldig- het att anmäla detta till Finansinspektionen.</P>
<P class="p213 ft6">Paragrafen motsvarar 3 kap. 28 § betaltjänstlagen, se författnings- kommentaren till den paragrafen.</P>
<P class="p1112 ft3">Övervägandena finns i avsnitt 14.18.</P>
<P class="p316 ft42">29 a §</P>
<P class="p757 ft3">Paragrafen, som är ny, genomför delvis artikel 111.1 b i andra betal- tjänstdirektivet och artikel 3.4 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p213 ft6">Paragrafen innehåller bestämmelser om den underrättelse som ska ges in till Finansinspektionen om förändringar som ska ske i verksamhet som utkontrakterats.</P>
<P class="p213 ft3">Paragrafen motsvarar 3 kap. 28 a § betaltjänstlagen, se författnings- kommentaren till den paragrafen.</P>
<P class="p1116 ft59">Paragrafen har utformats i enlighet med <SPAN class="ft54">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 13.1.4 och 14.18.</P>
<P class="p335 ft42">5 kap.</P>
<P class="p45 ft42">2 §</P>
<P class="p1187 ft3">Paragrafen genomför delvis artikel 111.1 a i andra betaltjänstdirektivet och artikel 3.1 i <NOBR>e-penningdirektivet.</NOBR></P>
</DIV>
</DIV>
</DIV>
<DIV id="page_387">
<P class="p565 ft3">Paragrafen innebär en skyldighet för dem som driver verksamhet som Prop. 2017/18:77 avses i lagen att lämna Finansinspektionen upplysningar.</P>
<P class="p12 ft3">Ändringarna i paragrafen är av samma slag som dem i 8 kap. 2 § betal- tjänstlagen, se författningskommentaren till den paragrafen.</P>
<P class="p13 ft3">Övervägandena finns i avsnitten 13.3.2 och 14.18.</P>
<P class="p1069 ft42">4 §</P>
<P class="p469 ft3">Paragrafen genomför delvis artikel 111.1 a i andra betaltjänstdirektivet och artikel 3.1 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p12 ft3">Paragrafen innehåller bestämmelser om samarbete och utbyte av information mellan behöriga myndigheter.</P>
<P class="p12 ft6">Ändringarna i paragrafen motsvarar dem i 8 kap. 4 § betaltjänstlagen, se författningskommentaren till den paragrafen.</P>
<P class="p1188 ft59">Paragrafen har utformats i enlighet med <SPAN class="ft54">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 13.3.6 och 14.18.</P>
<P class="p4 ft42">4 a §</P>
<P class="p492 ft76">Paragrafen, som är ny, genomför delvis artikel 111.1 a i andra betal- tjänstdirektivet och artikel 3.1 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p1189 ft6">Paragrafen innehåller bestämmelser om s.k. bindande medling. Paragrafen motsvarar 8 kap. 4 a § betaltjänstlagen, se författnings-</P>
<P class="p54 ft3">kommentaren till den paragrafen.</P>
<P class="p13 ft3">Övervägandena finns i avsnitten 14.16 och 14.18.</P>
<P class="p1069 ft42">5 §</P>
<P class="p469 ft3">Paragrafen genomför delvis artikel 111.1 a i andra betaltjänstdirektivet och artikel 3.1 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p12 ft6">Paragrafen innehåller bestämmelser om det register Finansinspektionen ska föra över institut för elektroniska pengar och registrerade utgivare och deras verksamhet.</P>
<P class="p12 ft3">Ändringarna i paragrafen motsvarar delvis dem i 8 kap. 5 § betaltjänst- lagen, se författningskommentaren till den paragrafen.</P>
<P class="p1188 ft93">Paragrafen har utformats i enlighet med <SPAN class="ft182">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 14.13 och 14.18.</P>
<P class="p5 ft42">13 §</P>
<P class="p469 ft3">Paragrafen genomför delvis artikel 111.1 a i andra betaltjänstdirektivet och artikel 3.1 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p12 ft6">Paragrafen reglerar vilka åtgärder som Finansinspektionen ska vidta i samband med att en behörig myndighet i ett annat land meddelat att ett institut för elektroniska pengar som är registrerat i Sverige överträtt föreskrifter i det landet.</P>
<P class="p12 ft3">Ändringarna i paragrafen motsvarar dem i 8 kap. 13 § betaltjänstlagen, se författningskommentaren till den paragrafen.</P>
<P class="p1188 ft93">Paragrafen har utformats i enlighet med <SPAN class="ft182">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitten 13.3.5 och 14.18.</P>
<P class="p1190 ft3">387</P>
</DIV>
<DIV id="page_388">
<DIV>
<DIV id="id_1">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P class="p527 ft3">388</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft42">21 §</P>
<P class="p757 ft3">Paragrafen genomför delvis artikel 111.1 a i andra betaltjänstdirektivet och artikel 3.1 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p213 ft6">Paragrafen reglerar Finansinspektionens möjligheter att ingripa mot ett utländskt företag som ger ut elektroniska pengar eller tillhandahåller betaltjänster i Sverige.</P>
<P class="p213 ft3">Ändringarna i paragrafen motsvarar dem i 8 kap. 21 § betaltjänstlagen, se författningskommentaren till den paragrafen.</P>
<P class="p1191 ft76">Paragrafen har fått sin utformning efter synpunkter från <SPAN class="ft50">Lagrådet</SPAN>. Övervägandena finns i avsnitten 13.3.4 och 14.18.</P>
<P class="p335 ft42">27 §</P>
<P class="p1087 ft3">Paragrafen genomför delvis artikel 111 i andra betaltjänstdirektivet. Paragrafen innehåller bemyndiganden för regeringen eller den myn-</P>
<P class="p15 ft3">dighet som regeringen bestämmer att meddela föreskrifter.</P>
<P class="p463 ft6">Ändringarna i paragrafen motsvarar dem i 3 kap. 29 § och 8 kap. 27 § betaltjänstlagen, se författningskommentarerna till de paragraferna.</P>
<P class="p606 ft3">Övervägandena finns i avsnitt 14.18.</P>
<P class="p794 ft42">Ikraftträdande- och övergångsbestämmelser</P>
<P class="p1192 ft3">Ikraftträdande- och övergångsbestämmelserna genomför artikel 111.2 samt delvis artikel 115.1 och 115.2 i andra betaltjänstdirektivet och artikel 18.4 i <NOBR>e-penningdirektivet.</NOBR></P>
<P class="p606 ft3">I <SPAN class="ft4">punkt 1 </SPAN>anges när lagen träder i kraft.</P>
<P class="p463 ft5"><SPAN class="ft41">Punkt 2</SPAN>, som genomför artikel 111.2 i andra betaltjänstdirektivet och artikel 18.4 i <NOBR>e-penningdirektivet,</NOBR> innehåller en övergångsbestämmelse som gäller för juridiska personer som vid ikraftträdandet har tillstånd att driva verksamhet som institut för elektroniska pengar. <SPAN class="ft41">Första meningen </SPAN>innebär att ett sådan juridisk person under en övergångsperiod får fort- sätta verksamheten i enlighet med de krav för tillstånd som gäller enligt de äldre bestämmelserna. Av <SPAN class="ft41">andra meningen </SPAN>följer att det efter över- gångsperioden krävs ett nytt tillstånd för att fortsätta verksamheten. Enligt <SPAN class="ft41">tredje meningen </SPAN>får verksamheten fortsätta till dess att en ansökan om tillstånd som har getts in till Finansinspektionen före övergångs- periodens slut har prövats slutligt. Enligt <SPAN class="ft41">fjärde meningen </SPAN>ska Finans- inspektionen i de fall inspektionen redan har tillräckliga uppgifter för att bedöma att kraven enligt de nya bestämmelserna är uppfyllda meddela tillstånd oavsett om den juridiska personen ansökt om det eller inte. I en sådan situation ska inspektionen, enligt <SPAN class="ft41">femte meningen</SPAN>, först informera den berörda personen.</P>
<P class="p1193 ft3">Övergångsbestämmelsen har utformats i linje med <SPAN class="ft4">Lagrådets </SPAN>syn- punkter.</P>
<P class="p1112 ft3">Övervägandena finns i avsnitt 15.2.3.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_389">
<DIV>
<DIV id="id_1">
<P class="p1194 ft37"><SPAN class="ft118">17.7</SPAN><SPAN class="ft160">Förslaget till lag om ändring i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism</SPAN></P>
<P class="p672 ft42">1 kap.</P>
<P class="p45 ft42">2 §</P>
<P class="p761 ft3">Paragrafen innehåller bestämmelser om vilka fysiska och juridiska personer som lagen gäller för.</P>
<P class="p611 ft5">I <SPAN class="ft41">punkt 9 </SPAN>införs ett undantag för verksamhet som uteslutande avser kontoinformationstjänster. Vid tillhandahållande av sådana betaltjänster genomförs inte några betalningstransaktioner och det finns därför inte risk för att sådan verksamhet utnyttjas för penningtvätt eller finansiering av terrorism. Om en betaltjänstleverantör tillhandahåller andra betal- tjänster, omfattas den verksamheten av lagen.</P>
<P class="p1089 ft3">Paragrafen har utformats i enlighet med <SPAN class="ft4">Lagrådets </SPAN>förslag. Övervägandena finns i avsnitt 7.3.2.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p520 ft3">389</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_390">
<DIV id="dimg1">
<INGENBILD zsrc="H50377390x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/35</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1196 ft198">DIREKTIV</P>
<P class="p1197 ft199">EUROPAPARLAMENTETS OCH RÅDETS DIREKTIV (EU) 2015/2366 av den 25 november 2015</P>
<P class="p1198 ft200">om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG</P>
<P class="p1199 ft200">(Text av betydelse för EES)</P>
<P class="p1200 ft194">EUROPAPARLAMENTET OCH EUROPEISKA UNIONENS RÅD HAR ANTAGIT DETTA DIREKTIV</P>
<P class="p1201 ft201">med beaktande av fördraget om Europeiska unionens funktionssätt, särskilt artikel 114,</P>
<P class="p1202 ft201">med beaktande av Europeiska kommissionens förslag,</P>
<P class="p1201 ft201">efter översändande av utkastet till lagstiftningsakt till de nationella parlamenten,</P>
<P class="p1202 ft201">med beaktande av Europeiska centralbankens yttrande (<SPAN class="ft202">1</SPAN>),</P>
<P class="p1202 ft201">med beaktande av yttrandet från Europeiska ekonomiska och sociala kommittén (<SPAN class="ft202">2</SPAN>),</P>
<P class="p1201 ft201">i enlighet med det ordinarie lagstiftningsförfarandet (<SPAN class="ft202">3</SPAN>), och</P>
<P class="p1202 ft201">av följande skäl:</P>
<P class="p1203 ft206"><SPAN class="ft203">(1)</SPAN><SPAN class="ft204">De senaste åren har stora framsteg gjorts med att integrera massbetalningar i unionen, särskilt inom unionsakter om betalningar, och särskilt genom Europaparlamentets och rådets direktiv 2007/64/EG (</SPAN><SPAN class="ft202">4</SPAN>), Europaparlamentets och rådets förordning (EG) nr 924/2009 (<SPAN class="ft202">5</SPAN>), Europaparlamentets och rådets direktiv 2009/110/EG (<SPAN class="ft202">6</SPAN>) samt Eu<SPAN class="ft205"> </SPAN>ropaparlamentets och rådets förordning (EU) nr 260/2012 (<SPAN class="ft202">7</SPAN>). Den rättsliga ramen för betaltjänster har ytterligare kompletterats genom att en uttrycklig gräns fastställs för näringsidkarnas möjligheter att ta ut tilläggsavgifter av sina kunder för användningen av vissa betalningsmedel, vilket skett genom Europaparlamentets och rådets direktiv 2011/83/EU (<SPAN class="ft202">8</SPAN>).</P>
<P class="p1204 ft208">(<SPAN class="ft207">1</SPAN>) EUT C 224, 15.7.2014, s. 1. (<SPAN class="ft207">2</SPAN>) EUT C 170, 5.6.2014, s. 78.</P>
<P class="p1205 ft203">(<SPAN class="ft209">3</SPAN>) Europaparlamentets ståndpunkt av den 8 oktober 2015 (ännu ej offentliggjord i EUT) och rådets beslut av den 16 november 2015. (<SPAN class="ft209">4</SPAN>) Europaparlamentets och rådets direktiv 2007/64/EG av den 13 november 2007 om betaltjänster på den inre marknaden och om ändring av direktiven 97/7/EG, 2002/65/EG, 2005/60/EG och 2006/48/EG samt upphävande av direktiv 97/5/EG (EUT L 319,</P>
<P class="p1206 ft208">5.12.2007, s. 1).</P>
<P class="p1207 ft208">(<SPAN class="ft207">5</SPAN>) Europaparlamentets och rådets förordning (EG) nr 924/2009 av den 16 september 2009 om gränsöverskridande betalningar i gemenskapen och om upphävande av förordning (EG) nr 2560/2001 (EUT L 266, 9.10.2009, s. 11).</P>
<P class="p1207 ft195">(<SPAN class="ft207">6</SPAN>) Europaparlamentets och rådets direktiv 2009/110/EG av den 16 september 2009 om rätten att starta och driva affärsverksamhet i institut för elektroniska pengar samt om tillsyn av sådan verksamhet, om ändring av direktiven 2005/60/EG och 2006/48/EG och om upphävande av direktiv 2000/46/EG (EUT L 267, 10.10.2009, s. 7).</P>
<P class="p1208 ft195">(<SPAN class="ft207">7</SPAN>) Europaparlamentets och rådets förordning (EU) nr 260/2012 av den 14 mars 2012 om antagande av tekniska och affärsmässiga krav för betalningar och autogireringar i euro och om ändring av förordning (EG) nr 924/2009 (EUT L 94, 30.3.2012, s. 22).</P>
<P class="p1209 ft194">(<SPAN class="ft207">8</SPAN>) Europaparlamentets och rådets direktiv 2011/83/EU av den 25 oktober 2011 om konsumenträttigheter och om ändring av rådets direktiv 93/13/EEG och Europaparlamentets och rådets direktiv 1999/44/EG och om upphävande av rådets direktiv 85/577/EEG och Europaparlamentets och rådets direktiv 97/7/EG (EUT L 304, 22.11.2011, s. 64).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">390</P>
</DIV>
</DIV>
<DIV id="page_391">
<DIV id="dimg1">
<INGENBILD zsrc="H50377391x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/36</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1212 ft196"><SPAN class="ft203">(2)</SPAN><SPAN class="ft212">Unionens rättsliga ram för betaltjänster kompletteras dessutom med Europaparlamentets och rådets förordning (EU) 2015/751 (</SPAN><SPAN class="ft202">1</SPAN>). Genom den förordningen införs i synnerhet regler för uttag av förmedlingsavgifter för kort<SPAN class="ft213"> </SPAN>baserade transaktioner och den syftar till att ytterligare skynda på inrättandet av en effektiv integrerad marknad för kortbaserade betalningar.</P>
<P class="p1213 ft196"><SPAN class="ft203">(3)</SPAN><SPAN class="ft212">Direktiv 2007/64/EG antogs i december 2007 på grundval av ett kommissionsförslag från december 2005. Sedan dess har betydande tekniska innovationer skett på marknaden för massbetalningar. Tillväxten har varit stark för antalet elektroniska betalningar och mobilbetalningar och nya typer av betaltjänster har uppkommit på marknaden, som utmanar det nuvarande ramverket.</SPAN></P>
<P class="p1214 ft194"><SPAN class="ft203">(4)</SPAN><SPAN class="ft214">Översynen av unionens rättsliga ram om betaltjänster, särskilt konsekvensbedömningen av direktiv 2007/64/EG och samrådet om kommissionens grönbok av den 11 januari 2012 med titeln </SPAN><SPAN class="ft215">Mot en integrerad europeisk marknad för </SPAN><NOBR><SPAN class="ft215">kort-,</SPAN></NOBR><SPAN class="ft215"> internet- och mobilbetalningar</SPAN>, har visat att utvecklingen har gett upphov till betydande utmaningar ur ett rättsligt perspektiv. Betydande områden av betalningsmarknaden, särskilt kort, internet- och mobilbetalningar, är fortfarande uppdelade efter nationsgränserna. Många innovativa betalningsprodukter eller tjänster omfattas inte av tillämpningsområdet för direktiv 2007/64/EG över huvud taget eller omfattas i mycket liten utsträckning. Till<SPAN class="ft216"> </SPAN>lämpningsområdet för direktiv 2007/64/EG, och särskilt de delar som undantas från dess tillämpningsområde, exempelvis vissa betalningsrelaterade verksamheter, har i vissa fall visat sig vara för oklara, för allmänna eller helt enkelt för omoderna med hänsyn till marknadsutvecklingen. Detta har i sin tur gett upphov till rättsosäkerhet, eventuella säkerhetsrisker i betalningskedjan och bristande konsumentskydd på vissa områden. Det har visat sig svårt för betaltjänstleverantörer att lansera innovativa, säkra och lättanvända digitala betaltjänster och att erbjuda konsumenter och näringsidkare effektiva, säkra och bekväma betalningsmetoder inom unionen. Mot bakgrund av detta finns det en stor positiv potential som mer konsekvent måste undersökas.</P>
<P class="p1215 ft196"><SPAN class="ft203">(5)</SPAN><SPAN class="ft212">Den fortsatta utvecklingen av en integrerad inre marknad för säkra elektroniska betalningar är avgörande för att främja tillväxt i unionens ekonomi och säkra att konsumenter, säljföretag och andra företag har valfrihet och insyn när det gäller betaltjänster så att de till fullo kan dra nytta av den inre marknaden.</SPAN></P>
<P class="p1216 ft194"><SPAN class="ft203">(6)</SPAN><SPAN class="ft214">Det behövs nya regler för att åtgärda dessa luckor i lagstiftningen, samtidigt som den rättsliga klarheten ökas och en enhetlig tillämpning av regelverket i unionen säkras. Likvärdiga driftsvillkor bör garanteras för befintliga och nya aktörer på marknaden genom åtgärder som möjliggör för nya betalningsmetoder att nå ut till en större marknad och säkerställer en hög konsumentskyddsnivå vid användningen av dessa betaltjänster i unionen som helhet. Detta bör öka effektiviteten inom betalningssystemet som helhet och leda till mer valfrihet och insyn när det gäller betaltjänster, och samtidigt stärka konsumenternas förtroende för en harmoniserad betalningsmarknad.</SPAN></P>
<P class="p1217 ft194"><SPAN class="ft203">(7)</SPAN><SPAN class="ft214">Säkerhetsrisker relaterade till elektroniska betalningar har ökat under de senaste åren. Detta beror på att elek</SPAN><SPAN class="ft216"> </SPAN>troniska betalningar har blivit mer tekniskt komplicerade samtidigt som elektroniska betalningars globala volymer hela tiden har ökat och nya betaltjänster har uppkommit. Säkra och tillförlitliga betaltjänster är en grundläggande förutsättning för en välfungerande marknad för betaltjänster. Betaltjänstanvändarna bör därför skyddas väl mot sådana risker. Betaltjänster är viktiga för vitala ekonomiska och samhälleliga verksamheters funktion.</P>
<P class="p1218 ft206"><SPAN class="ft203">(8)</SPAN><SPAN class="ft217">Bestämmelserna i detta direktiv om öppenhets- och informationskrav för betaltjänstleverantörer och om rättigheter och skyldigheter i samband med tillhandahållandet och användningen av betaltjänster bör även, när så är lämpligt, gälla för transaktioner där en av betaltjänstleverantörerna är etablerad utanför Europeiska ekonomiska samarbets</SPAN><SPAN class="ft205"> </SPAN>området (EES) för att undvika att olika metoder tillämpas i medlemsstaterna till nackdel för konsumenterna. När så är lämpligt bör dessa bestämmelser utvidgas till transaktioner i alla officiella valutor mellan betaltjänstleverantörer som är etablerade inom EES.</P>
<P class="p1219 ft206"><SPAN class="ft203">(9)</SPAN><SPAN class="ft217">Penningöverföring är en enkel betaltjänst, som normalt grundas på att en betalare lämnar kontanter till en betaltjänstleverantör som överför motsvarande belopp, exempelvis via ett kommunikationsnät, till en betalnings</SPAN><SPAN class="ft205"> </SPAN>mottagare eller en annan betaltjänstleverantör som agerar på betalningsmottagarens vägnar. I vissa medlemsstater erbjuder snabbköp, säljföretag och andra återförsäljare allmänheten en motsvarande tjänst, som innebär att räk<SPAN class="ft205"> </SPAN>ningar från allmännyttiga företag och andra återkommande hushållsräkningar kan betalas. Sådana betaltjänster bör behandlas som penningöverföring, såvida inte de behöriga myndigheterna anser att verksamheten avser en annan betaltjänst.</P>
<P class="p1220 ft194">(<SPAN class="ft207">1</SPAN>) Europaparlamentets och rådets förordning (EU) 2015/751 av den 29 april 2015 om förmedlingsavgifter för kortbaserade betalnings<SPAN class="ft216"> </SPAN>transaktioner (EUT L 123, 19.5.2015, s. 1).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">391</P>
</DIV>
</DIV>
<DIV id="page_392">
<DIV id="dimg1">
<INGENBILD zsrc="H50377392x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/37</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1221 ft206"><SPAN class="ft203">(10)</SPAN><SPAN class="ft218">Detta direktiv inför en neutral definition av inlösen av betalningstransaktioner i syfte att inte bara fånga upp de traditionella inlösenmodellerna som rör användningen av kontokort utan också olika affärsmodeller, inbegripet de modeller där mer än en inlösare medverkar. Detta bör säkerställa att säljföretag får samma skydd oavsett vilket betalningsinstrument som används om verksamheten är densamma som inlösen av korttransaktioner. Tekniska tjänster som tillhandahålls betaltjänstleverantörer, såsom renodlad bearbetning och lagring av uppgifter eller drift av terminaler, bör inte anses innebära inlösen. Vissa inlösenmodeller inbegriper dessutom inte någon faktisk överföring av medel från inlösaren till betalningsmottagaren eftersom parterna kan enas om andra typer av lösningar.</SPAN></P>
<P class="p1222 ft194"><SPAN class="ft203">(11)</SPAN><SPAN class="ft219">Undantaget från tillämpningsområdet för direktiv 2007/64/EG för betalningstransaktioner via ett handelsombud som agerar på betalarens eller betalningsmottagarens vägnar tillämpas på mycket olika sätt i medlemsstaterna. Vissa medlemsstater tillåter att undantaget av </SPAN><NOBR>e-handelsplattformar</NOBR> som agerar som mellanhänder på både enskilda köpares och säljares vägnar, utan att ha något verkligt utrymme för att förhandla om eller slutföra försäljning eller inköp av varor eller tjänster. En sådan tillämpning av undantaget går utöver det avsedda tillämpningsområdet som fastställs i det direktivet och kan öka riskerna för konsumenterna eftersom dessa leverantörer fortfarande inte omfattas av den rättsliga ramen. Olika tillämpning av reglerna leder också till snedvridningar på betalningsmark<SPAN class="ft216"> </SPAN>naden. För att lösa dessa problem bör undantaget gälla när ombud agerar enbart för betalarens räkning eller enbart agerar för betalningsmottagarens räkning, oavsett om de är i besittning av kundens medel eller inte. När ombud agerar för både betalarens och betalningsmottagarens räkning (såsom vissa <NOBR>e-handelsplattformar)</NOBR> bör de undantas endast om de inte vid någon tidpunkt kommer i besittning eller kontroll av kundens medel.</P>
<P class="p1223 ft201"><SPAN class="ft203">(12)</SPAN><SPAN class="ft220">Detta direktiv bör inte tillämpas på verksamhet som bedrivs av värdetransportföretag och kontanthanteringsföretag när verksamheten i fråga är begränsad till fysisk transport av sedlar och mynt.</SPAN></P>
<P class="p1224 ft194"><SPAN class="ft203">(13)</SPAN><SPAN class="ft219">Återkoppling från marknaden visar att de betalningsverksamheter som omfattas av undantaget för begränsade nätverk ofta handlar om betydande betalningsvolymer och värden och erbjuder konsumenterna hundra- eller tusentals olika produkter och tjänster. Detta strider mot syftet med undantaget för begränsade nätverk som anges i direktiv 2007/64/EG och medför ökade risker och avsaknad av rättsligt skydd för betaltjänstanvändare, särskilt konsumenter, och innebär klara nackdelar för reglerade marknadsaktörer. För att bidra till att begränsa dessa risker bör det inte vara möjligt att använda samma instrument för att göra betalningstransaktioner för att förvärva varor och tjänster inom mer än ett begränsat nätverk eller för att förvärva ett obegränsat urval av varor och tjänster. Det bör anses att ett betalningsinstrument används inom ett sådant begränsat nätverk om det endast kan användas i följande fall: för det första, vid inköp av varor och tjänster hos en särskild detaljhandlare eller särskild detalj</SPAN><SPAN class="ft216"> </SPAN>handelskedja, om de berörda enheterna är direkt förbundna med varandra genom ett handelsavtal som exempelvis föreskriver användning av ett enda betalmärke och det betalmärket används vid försäljningsställena och före<SPAN class="ft216"> </SPAN>kommer – när så är möjligt – på det betalningsinstrument som kan användas där, för det andra, för inköp av ett mycket begränsat urval av varor eller tjänster som till exempel när användningsområdet effektivt avgränsas till ett begränsat antal funktionellt sammankopplade varor eller tjänster oavsett försäljningsställets geografiska läge, eller för det tredje, om betalningsinstrumentet regleras av en nationell eller regional offentlig myndighet för särskilda sociala eller skattemässiga ändamål för att förvärva särskilda varor eller tjänster.</P>
<P class="p1225 ft206"><SPAN class="ft203">(14)</SPAN><SPAN class="ft218">Betalningsinstrument som omfattas av undantaget för begränsade nätverk kan inbegripa affärskort, bränslekort, medlemskort, kollektivtrafikskort, parkeringsbiljetter, rabattkuponger för måltider eller kuponger för särskilda tjänster som ibland omfattas av särskild beskattning eller en arbetsrättslig ram som utformats för att främja användningen av sådana instrument för att uppfylla målen i social lagstiftning. När ett sådant instrument för särskilda ändamål utvecklas till att bli ett allmänt instrument, bör det inte längre undantas från detta direktivs tillämpningsområde. Instrument som kan användas för inköp i affärer hos säljföretag som är upptagna i en förteckning bör inte vara undantagna från direktivets tillämpningsområde, eftersom sådana instrument typiskt sett är utformade för ett nätverk av tjänstleverantörer som växer kontinuerligt. Undantaget för begränsade nätverk bör gälla i kombination med skyldigheten för potentiella betaltjänstleverantörer att anmäla sådan verksamhet som omfattas av detsamma.</SPAN></P>
<P class="p1222 ft194"><SPAN class="ft203">(15)</SPAN><SPAN class="ft219">Undantagna från tillämpningsområdet för direktiv 2007/64/EG är vissa betalningstransaktioner som genomförs med hjälp av teleutrustning eller informationsteknisk utrustning där nätoperatören inte bara är en mellanhand vid digitala varors och tjänsters leverans genom utrustningen i fråga utan även tillför dessa varor eller tjänster ett mervärde. Genom undantaget tillåts särskilt s.k. operatörsfakturering eller inköp där faktureringen sker direkt via telefonräkningen, vilket började med köp av ringsignaler och </SPAN><NOBR>premium-sms-tjänster,</NOBR> och bidrar till utvecklingen av nya affärsmodeller som grundas på försäljning av digitalt innehåll till låga belopp och röstbaserade tjänster. Dessa tjänster omfattar underhållning, såsom chatt, nedladdningar såsom filmklipp, musik och spel, information såsom om vädret, nyheter, sportresultatuppdateringar, aktiekurser samt nummerupplysning, tv- och radiodeltagande såsom omröstningar, tävlingsbidrag och direkt återkoppling. Återkopplingen från marknaden visar inga tecken på att sådana betalningstransaktioner, som konsumenterna anser vara pålitliga och praktiska vid betalning av låga</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">392</P>
</DIV>
</DIV>
<DIV id="page_393">
<DIV id="dimg1">
<INGENBILD zsrc="H50377393x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/38</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1226 ft194">belopp, skulle ha blivit en allmän betalningsförmedlingstjänst. Den oklara formuleringen av det berörda undantaget har dock medfört att det genomförts olika i medlemsstaterna, vilket har lett till att det inte föreligger någon rättslig förutsägbarhet för operatörer och konsumenter och att betalningsförmedlingstjänster ibland har kunnat åberopa obegränsat undantag från tillämpningsområdet för direktiv 2007/64/EG. Det är därför lämpligt att förtydliga och begränsa utrymmet för att kunna åberopa detta undantag för sådana tjänsteleverantörer genom att specificera de typer av betalningstransaktioner som det gäller för.</P>
<P class="p1227 ft194"><SPAN class="ft203">(16)</SPAN><SPAN class="ft219">Undantaget för vissa betalningstransaktioner som genomförs med hjälp av teleutrustning eller informationsteknisk utrustning bör särskilt inriktas på mikrobetalningar för digitalt innehåll och röstbaserade tjänster. En tydlig hänvis</SPAN><SPAN class="ft216"> </SPAN>ning till betalningstransaktioner för köp av elektroniska biljetter bör införas för att beakta utvecklingen när det gäller betalningar där kunderna framför allt kan beställa, betala för, erhålla och godkänna elektroniska biljetter med mobiltelefoner eller andra enheter när som helst oavsett var de befinner sig. Elektroniska biljetter möjliggör och underlättar tillhandahållandet av tjänster som konsumenterna annars skulle kunna köpa i form av pappersbiljetter och omfattar transporter, nöjen, bilparkering och inträde till lokaler men inte fysiska varor. De minskar produk<SPAN class="ft216"> </SPAN>tions- och distributionskostnaderna i samband med traditionella pappersbaserade biljettkanaler och underlättar för kunderna i och med att nya och enkla sätt att köpa biljetter tillhandahålls. För att mildra bördan för enheter som samlar in välgörenhetsdonationer bör också sådana donationer undantas. Det bör vara medlemsstaterna, i enlighet med nationell rätt, fritt att begränsa undantaget till donationer som samlas in till förmån för registrerade välgör<SPAN class="ft216"> </SPAN>enhetsorganisationer. På det hela taget bör undantaget gälla endast när värdet av betalningstransaktionen under<SPAN class="ft216"> </SPAN>stiger ett specifikt tröskelvärde, så att det tydligt begränsas till betalningar med låg riskprofil.</P>
<P class="p1217 ft194"><SPAN class="ft203">(17)</SPAN><SPAN class="ft219">Det gemensamma eurobetalningsområdet (Sepa) har underlättat inrättandet i hela unionen av </SPAN><SPAN class="ft215">betalningsfabriker </SPAN>och <SPAN class="ft215">inkassofabriker </SPAN>som möjliggör centralisering av betalningstransaktioner inom en och samma koncern. I detta sammanhang bör betalningstransaktioner mellan ett moderföretag och dess dotterföretag eller mellan dotterföretag till ett och samma moderföretag som tillhandahålls av en betaltjänstleverantör som tillhör samma koncern undantas från tillämpningsområdet för detta direktiv. Om ett moderföretag eller dess dotterföretag samlar in betalningsorder för en koncerns räkning för att överföra dem vidare till en betaltjänstleverantör bör detta inte betraktas som en betaltjänst vid tillämpningen av detta direktiv.</P>
<P class="p1217 ft194"><SPAN class="ft203">(18)</SPAN><SPAN class="ft219">Från tillämpningsområdet för direktiv 2007/64/EG undantas betaltjänster som tillhandahålls av uttagsautomatsak</SPAN><SPAN class="ft216"> </SPAN>törer som är oberoende av kontoförvaltande andra betaltjänstleverantörer. Det undantaget ledde till fler oberoende uttagsautomattjänster i många medlemsstater, framför allt i glesbefolkade områden. Att undanta denna snabbt växande del av uttagsautomatsmarknaden fullständigt från direktivets tillämpningsområde skulle dock leda till förvirring vad gäller uttagsavgifter. I gränsöverskridande situationer skulle detta kunna leda till dubbla avgifter för samma uttag av den kontoförvaltande betaltjänstleverantören och av uttagsautomatsaktören. För att upprätt<SPAN class="ft216"> </SPAN>hålla tillhandahållandet av uttagsautomattjänster samtidigt som tydlighet säkerställs när det gäller uttagsavgifter är det följaktligen lämpligt att behålla undantaget, men kräva att uttagsautomatsaktörer följer särskilda bestämmelser om insyn enligt detta direktiv. Avgifter som tillämpas av uttagsautomatsaktörer bör inte påverka tillämpningen av förordning (EG) nr 924/2009.</P>
<P class="p1228 ft194"><SPAN class="ft203">(19)</SPAN><SPAN class="ft219">Tjänsteleverantörer som ville utnyttja ett undantag från tillämpningsområdet för direktiv 2007/64/EG har inte frågat myndigheterna om deras verksamheter omfattades av, eller var undantagna från, det direktivet, utan har förlitat sig på sina egna bedömningar. Detta har lett till olika tillämpning av vissa undantag i medlemsstaterna. Betaltjänstleverantörer verkar även ha utnyttjat vissa undantag för att ändra affärsmodeller, så att betalningsverk</SPAN><SPAN class="ft216"> </SPAN>samheter står utanför direktivets tillämpningsområde. Detta kan medföra ökade risker för användare av betal<SPAN class="ft216"> </SPAN>tjänster och olika villkor för betaltjänstleverantörer på den inre marknaden. Tjänsteleverantörerna bör därför vara skyldiga att anmäla relevanta verksamheter till de behöriga myndigheterna så att de behöriga myndigheterna kan bedöma om de krav som fastställs i de relevanta bestämmelserna är uppfyllda och för att säkra en enhetlig tolkning av reglerna på hela den inre marknaden. Framför allt bör ett anmälningsförfarande föreskrivas för alla undantagen som grundar sig på iakttagandet av ett tröskelvärde, i syfte att garantera efterlevnad av de särskilda kraven.</P>
<P class="p1218 ft196"><SPAN class="ft203">(20)</SPAN><SPAN class="ft221">Vidare är det viktigt att inkludera ett krav för potentiella betaltjänstleverantörer att anmäla till de behöriga myndigheterna vilken verksamhet som de bedriver inom ramen för ett begränsat nätverk på grundval av kriterierna i detta direktiv om betalningstransaktionernas värde överstiger ett visst tak. De behöriga myndigheterna bör bedöma huruvida den verksamhet som anmäls kan betraktas som verksamhet som bedrivs inom ramen för ett begränsat nätverk.</SPAN></P>
<P class="p1219 ft201"><SPAN class="ft203">(21)</SPAN><SPAN class="ft220">Definitionen av betaltjänster bör vara teknikneutral och medge utveckling av nya typer av betaltjänster, samtidigt som likvärdiga driftsvillkor säkerställs för både befintliga och nya betaltjänstleverantörer.</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">393</P>
</DIV>
</DIV>
<DIV id="page_394">
<DIV id="dimg1">
<INGENBILD zsrc="H50377394x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/39</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1221 ft206"><SPAN class="ft203">(22)</SPAN><SPAN class="ft218">Det här direktivet bör överensstämma med tillvägagångssättet i direktiv 2007/64/EG, som omfattar alla typer av elektroniska betaltjänster. Det skulle därför inte vara lämpligt att de nya reglerna är tillämpliga på tjänster där överföringen av medel från betalaren till betalningsmottagaren eller transport av dessa genomförs enbart i sedlar och mynt eller där överföringen är baserad på papperscheckar, pappersbaserade växlar, skuldebrev eller andra instrument, pappersbaserade kuponger eller kort vilka är dragna på en betaltjänstleverantör eller annan part i syfte att ställa medel till betalningsmottagarens förfogande.</SPAN></P>
<P class="p1229 ft194"><SPAN class="ft203">(23)</SPAN><SPAN class="ft219">Detta direktiv bör inte tillämpas på betalningstransaktioner med kontanter, eftersom en gemensam betalnings</SPAN><SPAN class="ft216"> </SPAN>marknad för kontanter redan existerar. Direktivet bör inte heller tillämpas på sådana betalningstransaktioner som baseras på papperscheckar, eftersom papperscheckar på grund av sin karaktär inte kan behandlas lika effektivt som andra betalningsmedel. God praxis på detta område bör emellertid utgå från principerna i detta direktiv.</P>
<P class="p1230 ft194"><SPAN class="ft203">(24)</SPAN><SPAN class="ft219">Det är nödvändigt att specificera de kategorier av betaltjänstleverantörer som lagligen får tillhandahålla betaltjänster inom unionen, dvs. kreditinstitut som från användare tar emot insättningar som kan användas för att finansiera betalningstransaktioner, vilka även i fortsättningen bör omfattas av tillsynskraven som fastställs i Europaparlamen</SPAN><SPAN class="ft216"> </SPAN>tets och rådets direktiv 2013/36/EU (<SPAN class="ft222">1</SPAN>), institut för elektroniska pengar som ger ut elektroniska pengar för finan<SPAN class="ft216"> </SPAN>siering av betalningstransaktioner och som även i fortsättningen bör omfattas av tillsynskraven som fastställs i direktiv 2009/110/EG, och slutligen de betalningsinstitut och postgiroinstitut som har rätt till detta enligt nationell rätt. Tillämpningen av den rättsliga ramen bör begränsas till tjänsteleverantörer som tillhandahåller betaltjänster som regelbunden sysselsättning eller affärsverksamhet i enlighet med detta direktiv.</P>
<P class="p1231 ft194"><SPAN class="ft203">(25)</SPAN><SPAN class="ft219">I det här direktivet fastställs bestämmelser för genomförande av betalningstransaktioner, där medlen är elektroniska pengar enligt definitionen i direktiv 2009/110/EG. I det här direktivet regleras dock inte utgivning av elektroniska pengar som anges i direktiv 2009/110/EG. Betalningsinstitut bör därför inte få ge ut elektroniska pengar.</SPAN></P>
<P class="p1203 ft206"><SPAN class="ft203">(26)</SPAN><SPAN class="ft218">Genom direktiv 2007/64/EG inrättades ett tillsynssystem, bland annat en enda auktorisation för alla betaltjänst</SPAN><SPAN class="ft205"> </SPAN>leverantörer som inte tar emot insättningar eller ger ut elektroniska pengar. För detta ändamål infördes en ny kategori av betaltjänstleverantörer genom direktiv 2007/64/EG, nämligen ”betalningsinstitut”, genom att föreskriva att juridiska personer som faller utanför de befintliga kategorierna på stränga och heltäckande villkor får aukto<SPAN class="ft205"> </SPAN>riseras att tillhandahålla betaltjänster inom unionen. Således bör samma villkor gälla för sådana tjänster i hela unionen.</P>
<P class="p1232 ft196"><SPAN class="ft203">(27)</SPAN><SPAN class="ft221">Sedan direktiv 2007/64/EG antogs har nya typer av betaltjänster uppkommit, särskilt på området internetbetal</SPAN><SPAN class="ft213"> </SPAN>ningar. Framför allt har betalningsinitieringstjänster inom <NOBR>e-handel</NOBR> utvecklats. Dessa betalningstjänster spelar en roll i <NOBR>e-handelsbetalningar</NOBR> genom att med hjälp av programvara skapa en ”bro” mellan säljföretagets webbplats och internetbankplattformen för betalarens kontoförvaltande betaltjänstleverantör för att via internet initiera betalning<SPAN class="ft213"> </SPAN>ar.</P>
<P class="p1230 ft194"><SPAN class="ft203">(28)</SPAN><SPAN class="ft219">Vidare har det i och med den tekniska utvecklingen under de senaste åren uppkommit ett utbud av kompletterande tjänster, såsom kontoinformationstjänster. Dessa tjänster förser betaltjänstanvändaren med samlad nätbaserad information om ett eller flera betalkonton som innehas hos en eller flera andra betaltjänstleverantörer och som nås via den kontoförvaltande betaltjänstleverantörens webbaserade gränssnitt. Betaltjänstanvändaren har därmed möjlighet att omedelbart vid en viss tidpunkt få överblick över sin ekonomiska situation. Dessa tjänster bör också omfattas av direktivet, så att konsumenternas betalningar och kontouppgifter skyddas väl och det råder rättslig förutsägbarhet om ställningen för leverantörer av kontoinformationstjänster.</SPAN></P>
<P class="p1231 ft194"><SPAN class="ft203">(29)</SPAN><SPAN class="ft219">Dessa betalningsinitieringstjänster gör det möjligt för leverantören av betalningsinitieringstjänsten att försäkra en betalningsmottagare om att betalningen har initierats i syfte att ge ett incitament åt betalningsmottagaren att frigöra varan eller tillhandahålla tjänsten utan onödigt dröjsmål. Sådana tjänster är en billig lösning för både säljföretag och konsumenter och ger konsumenterna möjlighet att handla på nätet även om de inte har något kontokort. Eftersom betalningsinitieringstjänster inte för närvarande omfattas av tillämpningsområdet för direktiv</SPAN></P>
<P class="p1233 ft194">(<SPAN class="ft207">1</SPAN>) Europaparlamentets och rådets direktiv 2013/36/EU av den 26 juni 2013 om behörighet att utöva verksamhet i kreditinstitut och om tillsyn av kreditinstitut och värdepappersföretag, om ändring av direktiv 2002/87/EG och om upphävande av direktiv 2006/48/EG och 2006/49/EG (EUT L 176, 27.6.2013, s. 338).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">394</P>
</DIV>
</DIV>
<DIV id="page_395">
<DIV id="dimg1">
<INGENBILD zsrc="H50377395x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/40</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1226 ft194">2007/64/EG, övervakas de inte nödvändigtvis av en behörig myndighet och behöver inte efterleva direktiv 2007/64/EG. Detta reser en rad rättsliga frågor, exempelvis <NOBR>konsumentskydds-,</NOBR> säkerhets- och ansvarsfrågor samt konkurrens- och uppgiftsskyddsfrågor, särskilt rörande skyddet av betaltjänstanvändares uppgifter i enlighet med unionens uppgiftsskyddsregler. Dessa problem bör därför åtgärdas genom de nya reglerna.</P>
<P class="p1227 ft194"><SPAN class="ft203">(30)</SPAN><SPAN class="ft219">De personliga säkerhetsbehörighetsuppgifter som används för säker kundautentisering av betaltjänstanvändaren eller leverantören av betalningsinitieringstjänster utfärdas vanligtvis av de kontoförvaltande betaltjänstleverantörer</SPAN><SPAN class="ft216"> </SPAN>na. Leverantörerna av betalningsinitieringstjänster ingår inte nödvändigtvis en avtalsförbindelse med de kontoför<SPAN class="ft216"> </SPAN>valtande betaltjänstleverantörerna och, oberoende av vilken affärsmodell som används av leverantörerna av betal<SPAN class="ft216"> </SPAN>ningsinitieringstjänster, bör de kontoförvaltande betaltjänstleverantörerna möjliggöra för leverantörer av betalnings<SPAN class="ft216"> </SPAN>initieringstjänster att förlita sig på de autentiseringsförfaranden som de kontoförvaltande betaltjänstleverantörerna tillhandahåller för att initiera en specifik betalning för betalarens räkning.</P>
<P class="p1216 ft196"><SPAN class="ft203">(31)</SPAN><SPAN class="ft221">När en leverantör av betalningsinitieringstjänster uteslutande tillhandahåller betalningsinitieringstjänster, innehar denne inte användarens medel under något stadium i betalningskedjan. När en leverantör av betalningsinitierings</SPAN><SPAN class="ft213"> </SPAN>tjänster avser att tillhandahålla betaltjänster, där vederbörande innehar användarens medel, bör denne erhålla full auktorisation för dessa tjänster.</P>
<P class="p1217 ft194"><SPAN class="ft203">(32)</SPAN><SPAN class="ft219">Betalningsinitieringstjänster grundar sig på antingen direkt eller indirekt tillgång för leverantörerna av betalnings</SPAN><SPAN class="ft216"> </SPAN>initieringstjänster till betalarnas konton. En kontoförvaltande betaltjänstleverantör, som tillhandahåller en meka<SPAN class="ft216"> </SPAN>nism för indirekt tillgång, bör också ge direkt tillgång till leverantörerna av betalningsinitieringstjänster.</P>
<P class="p1227 ft194"><SPAN class="ft203">(33)</SPAN><SPAN class="ft219">Detta direktiv bör syfta till att säkerställa kontinuitet på marknaden och göra det möjligt för befintliga och nya betaltjänsteleverantörer att, oberoende av vilken affärsmodell de tillämpar, tillhandahålla sina tjänster inom ramen för ett tydligt och harmoniserat regelverk. I avvaktan på tillämpningen av dessa regler, och utan att det påverkar behovet av att säkerställa säkra betalningstransaktioner och konsumentskydd mot uppenbara risker för bedrägerier, bör medlemsstaterna, kommissionen, Europeiska centralbanken (ECB) och Europeiska tillsynsmyndigheten (Euro</SPAN><SPAN class="ft216"> </SPAN>peiska bankmyndigheten), inrättad genom Europaparlamentets och rådets förordning (EU) nr 1093/2010 (<SPAN class="ft222">1</SPAN>) (EBA) garantera rättvis konkurrens på denna marknad och undvika onödig diskriminering av befintliga aktörer på marknaden. Alla betaltjänstleverantörer, inklusive betaltjänstanvändarens kontoförvaltande betaltjänstleverantör, bör kunna erbjuda betalningsinitieringstjänster.</P>
<P class="p1234 ft206"><SPAN class="ft203">(34)</SPAN><SPAN class="ft218">Det här direktivet innebär ingen väsentlig förändring av villkoren för beviljande och behållande av auktorisation som betalningsinstitut. Precis som i direktiv 2007/64/EG innebär villkoren tillsynskrav som står i proportion till de operativa och finansiella risker som dessa institut ställs inför i sin verksamhet. I detta sammanhang behövs en sund ordning för startkapital i kombination med löpande kapitalkrav, i sinom tid med mer sofistikerad utformning alltefter marknadens behov. På grund av mångfalden på området för betaltjänster bör direktivet tillåta olika metoder i kombination med ett visst utrymme för valmöjligheter vid tillsynen, så att det säkerställs att samma risker behandlas på samma sätt för alla betaltjänstleverantörer. Kraven på betalningsinstituten bör avspegla det faktum att dessa ägnar sig åt mer specialiserad och begränsad verksamhet, som skapar risker som är mer begränsade och lättare att övervaka och kontrollera än de risker som uppstår inom kreditinstitutens bredare verksamhetsutbud. Betalningsinstitut bör i synnerhet förbjudas att ta emot insättningar från användare och de bör få tillåtelse att utnyttja medel som de tagit emot från användare endast för att genomföra betaltjänster. Tillsynskraven, inklusive kraven för startkapital, bör stå i proportion till risken med betalningsinstitutets respektive betaltjänst. Betaltjänstleverantörer av enbart betalningsinitieringstjänster bör anses innebära en medelhög risk vad gäller startkapital.</SPAN></P>
<P class="p1219 ft206"><SPAN class="ft203">(35)</SPAN><SPAN class="ft218">När leverantörer av betalningsinitieringstjänster och leverantörer av kontoinformationstjänster uteslutande tillhan</SPAN><SPAN class="ft205"> </SPAN>dahåller dessa tjänster, innehar de inte kundmedel. Därför vore det oproportionerligt att ålägga dessa nya mark<SPAN class="ft205"> </SPAN>nadsaktörer kapitalbaskrav. Det är dock viktigt att de har möjlighet att fullgöra sina betalningsskyldigheter i samband med den verksamhet som de bedriver. De bör därför vara skyldiga att inneha antingen ansvarsförsäkring eller annan jämförbar garanti. EBA bör utarbeta riktlinjer i enlighet med artikel 16 i förordning (EU) nr 1093/2010 för de kriterier som medlemsstaterna ska använda för att fastställa minimibeloppet för ansvarsförsäkring eller jämförbar garanti. EBA bör inte göra åtskillnad mellan ansvarsförsäkring och jämförbara garantier, då dessa bör vara utbytbara.</P>
<P class="p1235 ft194">(<SPAN class="ft207">1</SPAN>) Europaparlamentets och rådets förordning (EU) nr 1093/2010 av den 24 november 2010 om inrättande av en europeisk tillsyns<SPAN class="ft216"> </SPAN>myndighet (Europeiska bankmyndigheten), om ändring av beslut nr 716/2009/EG och om upphävande av kommissionens beslut 2009/78/EG (EUT L 331, 15.12.2010, s. 12).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">395</P>
</DIV>
</DIV>
<DIV id="page_396">
<DIV id="dimg1">
<INGENBILD zsrc="H50377396x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/41</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1236 ft194"><SPAN class="ft203">(36)</SPAN><SPAN class="ft219">För att undvika missbruk av etableringsrätten är det nödvändigt att kräva att det betalningsinstitut som begär auktorisation i en viss medlemsstat bedriver åtminstone en del av sin betaltjänstverksamhet i den medlemsstaten.</SPAN></P>
<P class="p1222 ft194"><SPAN class="ft203">(37)</SPAN><SPAN class="ft219">Det bör införas bestämmelser om att betaltjänstanvändarens medel ska hållas åtskilda från betalningsinstitutens medel. Skyddskraven är nödvändiga när betalningsinstitutet är i besittning av betaltjänstanvändarens medel. Där samma betalningsinstitut genomför en betalningstransaktion för både betalaren och betalningsmottagaren och betalaren ges ett kreditutrymme kan det vara lämpligt att skydda medlen till förmån för betalningsmottagaren när de utgör betalningsmottagarens fordran gentemot betalningsinstitutet. Betalningsinstituten bör också omfattas av effektiva krav på förhindrande av penningtvätt och finansiering av terrorism.</SPAN></P>
<P class="p1222 ft194"><SPAN class="ft203">(38)</SPAN><SPAN class="ft219">Det här direktivet medför inte ändringar av betalningsinstitutens redovisningsskyldigheter eller deras skyldigheter att utföra granskning av deras årsbokslut och sammanställda redovisningar. Betalningsinstituten är skyldiga att upprätta sina årsbokslut och sammanställda redovisningar i enlighet med rådets direktiv 86/635/EEG (</SPAN><SPAN class="ft222">1</SPAN>) och Europaparlamentets och rådets direktiv 2013/34/EU (<SPAN class="ft222">2</SPAN>). Årsboksluten och de sammanställda redovisningarna bör granskas, såvida institutet inte är undantaget från den skyldigheten enligt dessa direktiv.</P>
<P class="p1223 ft206"><SPAN class="ft203">(39)</SPAN><SPAN class="ft218">När betaltjänstleverantörer ägnar sig åt att tillhandahålla en eller flera av de betaltjänster som omfattas av detta direktiv bör de alltid ha betalkonton som uteslutande används för betalningstransaktioner. För att möjliggöra för betaltjänstleverantörerna att kunna tillhandahålla betaltjänster måste de ha möjlighet att öppna och inneha konton i kreditinstitut. Medlemsstaterna bör se till att tillträde till sådana konton ges på ett sätt som inte är diskrimine</SPAN><SPAN class="ft205"> </SPAN>rande och att det är i proportion till det berättigade syftet som det beviljats för. Tillträdet kan vara av grund<SPAN class="ft205"> </SPAN>läggande karaktär, men bör alltid vara tillräckligt omfattande för att betalningsinstitutet ska kunna tillhandahålla sina tjänster på ett obehindrat och effektivt sätt.</P>
<P class="p1222 ft206"><SPAN class="ft203">(40)</SPAN><SPAN class="ft218">I det här direktivet bör betalningsinstitutens beviljande av kredit, nämligen beviljande av kreditutrymmen och utgivande av kreditkort, endast regleras när det är nära kopplat till betaltjänster. Endast om en kredit beviljas för att underlätta betaltjänster och den krediten är kortfristig och beviljas för en period som inte överskrider tolv månader, inklusive revolverande kredit, är det lämpligt att tillåta betalningsinstituten att bevilja sådan kredit för sin gräns</SPAN><SPAN class="ft205"> </SPAN>överskridande verksamhet, samt att den huvudsakligen refinansieras ur betalningsinstitutets egen kapitalbas och andra medel från kapitalmarknaderna, och inte ur de kundmedel som innehas för betaltjänster. Sådana regler bör inte påverka tillämpningen av Europaparlamentets och rådets direktiv 2008/48/EG (<SPAN class="ft202">3</SPAN>) eller annan tillämplig unions<SPAN class="ft205"> </SPAN>rätt eller nationella bestämmelser om villkoren för beviljande av konsumentkrediter som inte harmoniseras genom det här direktivet.</P>
<P class="p1237 ft206"><SPAN class="ft203">(41)</SPAN><SPAN class="ft218">Samarbetet mellan de nationella behöriga myndigheter som auktoriserar betalningsinstitut, utför kontroller och beslutar om återkallande av auktorisationerna har generellt visat sig fungera tillfredsställande. Samarbetet mellan behöriga myndigheter bör emellertid förbättras både med avseende på den information som utbyts och en konsekvent tillämpning och tolkning av detta direktiv, när en auktoriserad betalningsinstitution vill tillhandahålla betaltjänster i andra medlemsstater än i sin hemmedlemsstat genom att utnyttja etableringsrätten eller friheten att tillhandahålla tjänster (nedan kallade </SPAN><SPAN class="ft223">passförfaranden</SPAN>), inbegripet via internet. EBA bör bistå med att lösa tvister mellan de behöriga myndigheterna inom ramen för det gränsöverskridande samarbetet i enlighet med förordning (EU) nr 1093/2010. Myndigheten bör också utarbeta ett förslag till tekniska standarder för tillsyn om samarbete och informationsutbyte.</P>
<P class="p1238 ft206"><SPAN class="ft203">(42)</SPAN><SPAN class="ft218">För att öka insynen i verksamhet som bedrivs av betalningsinstitut som är auktoriserade eller registrerade av behöriga myndigheter i sin hemmedlemsstat, inklusive deras ombud, och för att säkerställa ett starkt konsuments</SPAN><SPAN class="ft205"> </SPAN>kydd i unionen är det nödvändigt att säkerställa att förteckningen över de enheter som tillhandahåller betaltjänster är lättillgänglig för allmänheten. EBA bör därför utveckla och föra ett centralt register där EBA offentliggör en förteckning med namnen på de enheter som tillhandahåller betaltjänster. Medlemsstaterna bör säkerställa att de uppgifter som de tillhandahåller hålls uppdaterade. Dessa åtgärder bör också bidra till att stärka samarbetet mellan de behöriga myndigheterna.</P>
<P class="p1239 ft195">(<SPAN class="ft207">1</SPAN>) Rådets direktiv 86/635/EEG av den 8 december 1986 om årsbokslut och sammanställd redovisning för banker och andra finansiella institut (EGT L 372, 31.12.1986, s. 1).</P>
<P class="p1207 ft195">(<SPAN class="ft207">2</SPAN>) Europaparlamentets och rådets direktiv 2013/34/EU av den 26 juni 2013 om årsbokslut, koncernredovisning och rapporter i vissa typer av företag, om ändring av Europaparlamentets och rådets direktiv 2006/43/EG och om upphävande av rådets direktiv 78/660/EEG och 83/349/EEG (EUT L 182, 29.6.2013, s. 19).</P>
<P class="p1240 ft194">(<SPAN class="ft207">3</SPAN>) Europaparlamentets och rådets direktiv 2008/48/EG av den 23 april 2008 om konsumentkreditavtal och om upphävande av rådets direktiv 87/102/EEG (EUT L 133, 22.5.2008, s. 66).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">396</P>
</DIV>
</DIV>
<DIV id="page_397">
<DIV id="dimg1">
<INGENBILD zsrc="H50377397x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/42</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1241 ft196"><SPAN class="ft203">(43)</SPAN><SPAN class="ft221">Tillgången till korrekt och uppdaterad information bör ökas genom att betalningsinstituten förpliktigas att utan onödigt dröjsmål underrätta de behöriga myndigheterna i hemmedlemsstaten om eventuella ändringar som på</SPAN><SPAN class="ft213"> </SPAN>verkar för auktorisationen lämnad information och uppgifter, inklusive ytterligare ombud eller enheter till vilka verksamheter utkontrakterats. Behöriga myndigheter ska också i tveksamma fall kontrollera att den mottagna informationen är korrekt.</P>
<P class="p1242 ft194"><SPAN class="ft203">(44)</SPAN><SPAN class="ft219">Medlemsstaterna bör kunna kräva att betalningsinstitut som är verksamma på deras territorium, vars huvudkontor är beläget i en annan medlemsstat, lämnar periodiska rapporter till dem om sin verksamhet på deras territorium för informations- eller statistikändamål. När dessa betalningsinstitut är verksamma enligt etableringsrätten, bör det vara möjligt att använda denna information även för att övervaka efterlevnaden av avdelningarna III och IV i detta direktiv, och medlemsstaterna bör kunna kräva att dessa betalningsinstitut utnämner en central kontaktpunkt på deras territorium för att underlätta de behöriga myndigheternas övervakning av nätverk av ombud. EBA bör utarbeta ett förslag till standarder för tillsyn som innehåller kriterier för att fastställa om utnämningen av en central kontaktpunkt är lämplig och vilka dess funktioner bör vara. Kravet på att utnämna en central kontaktpunkt bör stå i proportion till uppnåendet av målet om tillräcklig kommunikation och informationsrapportering om efterlevnaden av avdelningarna III och IV i värdmedlemsstaten.</SPAN></P>
<P class="p1243 ft194"><SPAN class="ft203">(45)</SPAN><SPAN class="ft219">I krissituationer, där det krävs omedelbar åtgärd för att ta itu med ett allvarligt hot mot de kollektiva intressena för betaltjänstanvändarna i värdmedlemsstaten, såsom storskaligt bedrägeri, bör det vara möjligt för de behöriga myndigheterna i värdmedlemsstaten att vidta säkerhetsåtgärder parallellt med det gränsöverskridande samarbetet mellan de behöriga myndigheterna i värdmedlemsstaten och hemmedlemsstaten och i avvaktan på att den behöriga myndigheten i hemmedlemsstaten vidtar åtgärder. Dessa åtgärder bör vara lämpliga, stå i proportion till sitt syfte samt vara </SPAN><NOBR>icke-diskriminerande</NOBR> och tillfälliga. Alla åtgärder bör vara väl motiverade. De behöriga myndigheterna i det berörda betalningsinstitutets hemmedlemsstat och andra berörda myndigheter, såsom kommissionen och EBA, bör ha informerats i förväg eller, om detta med tanke på krissituationen inte är möjligt, utan onödigt dröjsmål.</P>
<P class="p1242 ft194"><SPAN class="ft203">(46)</SPAN><SPAN class="ft219">I detta direktiv anges de minimibefogenheter som behöriga myndigheter bör ha vid övervakning av betalnings</SPAN><SPAN class="ft216"> </SPAN>institutens efterlevnad, men dessa befogenheter ska utövas med respekt för de grundläggande rättigheterna, bl.a. rätten till ett privatliv. Utan att det påverkar en oberoende myndighets (nationella dataskyddsmyndigheten) kontroll och i enlighet med Europeiska unionens stadga om de grundläggande rättigheterna bör medlemsstaterna införa lämpliga och effektiva skyddsåtgärder när det är möjligt att utövandet av dessa befogenheter skulle kunna leda till missbruk eller godtycklighet som innebär allvarliga inskränkningar av dessa rättigheter, exempelvis genom ett förhandsgodkännande från den berörda medlemsstatens rättsliga myndighet, när så är lämpligt.</P>
<P class="p1242 ft194"><SPAN class="ft203">(47)</SPAN><SPAN class="ft219">Det är viktigt att säkerställa att alla personer som tillhandahåller betaltjänster omfattas av vissa rättsliga minimi</SPAN><SPAN class="ft216"> </SPAN>krav. Det är därför önskvärt att kräva registrering av namn och adress på alla fysiska och juridiska personer som tillhandahåller betaltjänster inklusive personer som inte kan uppfylla alla villkor för auktorisation som betalnings<SPAN class="ft216"> </SPAN>institut. Ett sådant tillvägagångssätt är i linje med specialrekommendation VI från Finansiella aktionsgruppen mot penningtvätt som ger en möjlighet för betaltjänstleverantörer som inte kan uppfylla alla villkor i rekommenda<SPAN class="ft216"> </SPAN>tionen att trots allt kunna behandlas som betalningsinstitut. I detta syfte bör medlemsstaterna, även när personerna är undantagna från alla eller delar av villkoren för auktorisation, föra in dem i registret över betalningsinstitut. Denna möjlighet till undantag måste dock förenas med stränga krav på betalningstransaktionernas värde. Betal<SPAN class="ft216"> </SPAN>ningsinstitut som omfattas av ett undantag bör inte ha etableringsrätt eller frihet att tillhandahålla tjänster och bör inte indirekt utöva dessa rättigheter när de blir medlemmar i ett betalningssystem.</P>
<P class="p1244 ft196"><SPAN class="ft203">(48)</SPAN><SPAN class="ft221">Med tanke på den särskilda arten hos den verksamhet som bedrivs och riskerna i samband med tillhandahållandet av kontoinformationstjänster är det lämpligt att inrätta ett särskilt tillsynssystem för leverantörer av kontoinfor</SPAN><SPAN class="ft213"> </SPAN>mationstjänster. Leverantörer av kontoinformationstjänster bör kunna tillhandahålla gränsöverskridande tjänster inom ramen för reglerna om <SPAN class="ft223">passförfaranden</SPAN>.</P>
<P class="p1242 ft194"><SPAN class="ft203">(49)</SPAN><SPAN class="ft219">För alla betaltjänstleverantörer är det av avgörande betydelse att ha tillträde till betalningssystemens tekniska infrastruktur. Tillträdet bör dock vara underställt lämpliga krav, så att systemens integritet och stabilitet garanteras. Varje betaltjänstleverantör som ansöker om att få delta i ett betalningssystem bör bära risken i det system den själv har valt och för systemet styrka att dess interna organisation har tillräcklig motståndskraft mot alla former av risker. I dessa betalningssystem ingår ofta fyrpartsbetalningsordning samt andra större system för behandling av</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">397</P>
</DIV>
</DIV>
<DIV id="page_398">
<DIV id="dimg1">
<INGENBILD zsrc="H50377398x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/43</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1245 ft201">betalningar och autogirering. För att i hela unionen säkerställa lika behandling av de olika kategorierna av auktoriserade betaltjänstleverantörer enligt villkoren i deras auktorisation, är det nödvändigt att klargöra reglerna för tillträde till betalningssystem.</P>
<P class="p1229 ft194"><SPAN class="ft203">(50)</SPAN><SPAN class="ft219">Åtgärder bör vidtas för att förhindra diskriminering av auktoriserade betalningsinstitut och kreditinstitut, så att alla betaltjänstleverantörer som konkurrerar på den inre marknaden kan använda tjänsterna i dessa betalningssystems tekniska infrastruktur på lika villkor. Eftersom deras respektive verksamhetsramar är olika, bör olika behandling föreskrivas för auktoriserade betaltjänstleverantörer och de betaltjänstleverantörer som omfattas av undantaget enligt det här direktivet och undantaget i artikel 3 i direktiv 2009/110/EG. Under alla förhållanden bör skiljaktiga prisvillkor endast tillåtas när detta motiveras av skillnader mellan betaltjänstleverantörernas kostnader. Detta bör inte påverka medlemsstaternas rätt att begränsa åtkomsten till systemviktiga system i enlighet med Europaparla</SPAN><SPAN class="ft216"> </SPAN>mentets och rådets direktiv 98/26/EG (<SPAN class="ft222">1</SPAN>) eller ECB:s och Europeiska centralbankssystemets behörighet vad gäller tillträde till betalningssystem.</P>
<P class="p1246 ft194"><SPAN class="ft203">(51)</SPAN><SPAN class="ft219">Det här direktivet påverkar inte tillämpningsområdet för direktiv 98/26/EG. I syfte att säkerställa rättvis konkurrens mellan betaltjänstleverantörerna bör dock en deltagare i ett betecknat betalningssystem som är föremål för vill</SPAN><SPAN class="ft216"> </SPAN>koren i direktiv 98/26/EG, och som tillhandahåller tjänster med anknytning till ett sådant system till en aukto<SPAN class="ft216"> </SPAN>riserad eller registrerad betaltjänstleverantör, på begäran också ge tillträde till sådana tjänster på ett objektivt, proportionerligt och <NOBR>icke-diskriminerande</NOBR> sätt för andra auktoriserade eller registrerade betaltjänstleverantörer. Betaltjänstleverantörer som beviljas sådant tillträde bör dock inte anses vara deltagare enligt definitionen i direktiv 98/26/EG och bör följaktligen inte åtnjuta det skydd som beviljas enligt det direktivet.</P>
<P class="p1247 ft194"><SPAN class="ft203">(52)</SPAN><SPAN class="ft219">Bestämmelserna om tillträde till betalningssystem bör inte tillämpas på system som inrättas och drivs av en enda betaltjänstleverantör. Sådana betalningssystem kan drivas antingen i direkt konkurrens med betalningssystem eller, vilket är vanligare, i en marknadsnisch som inte täcks helt av betalningssystem. Till sådana system hör treparts</SPAN><SPAN class="ft216"> </SPAN>betalningsordningar, såsom trepartsbetalningsordningar, i den utsträckning som de aldrig fungerar som faktiska fyrpartsbetalningsordningar, exempelvis genom att använda sig av licensinnehavare, ombud eller <NOBR>co-brandingpart<SPAN class="ft216"></SPAN></NOBR><SPAN class="ft216"> </SPAN>ner. Sådana system omfattar också vanligen betaltjänster som tillhandahålls av teleoperatörer där systemets opera<SPAN class="ft216"> </SPAN>tör är både betalarens och betalningsmottagarens betaltjänstleverantör, samt bankgruppers interna system. För att stimulera den konkurrens som sådana slutna betalningssystem kan bjuda de etablerade välkända betalningssyste<SPAN class="ft216"> </SPAN>men, är det inte lämpligt att bevilja tredje part tillträde till dessa slutna privata betalningssystem. Sådana slutna system bör emellertid alltid omfattas av unionens konkurrensregler och nationella konkurrensregler, enligt vilka det kan krävas att tillträde beviljas till dessa system för att effektiv konkurrens på betalningsmarknaderna ska upp<SPAN class="ft216"> </SPAN>rätthållas.</P>
<P class="p1248 ft194"><SPAN class="ft203">(53)</SPAN><SPAN class="ft219">Eftersom konsumenter och företag inte är i samma situation, behöver de inte samma skyddsnivå. Trots att det är viktigt att sörja för konsumenternas rättigheter genom att införa bestämmelser där det inte är möjligt att avtala om undantag, är det rimligt att låta företag och organisationer avtala om andra villkor när de inte har kontakt med konsumenter. Medlemsstaterna bör emellertid ha möjligheten att föreskriva att mikroföretag, enligt definitionen i kommissionens rekommendation 2003/361/EG (</SPAN><SPAN class="ft222">2</SPAN>), behandlas på samma sätt som konsumenter. Under alla för<SPAN class="ft216"> </SPAN>hållanden bör vissa centrala bestämmelser i detta direktiv dock alltid vara tillämpliga, oavsett användarens ställning.</P>
<P class="p1247 ft194"><SPAN class="ft203">(54)</SPAN><SPAN class="ft219">Detta direktiv bör specificera betaltjänstleverantörernas skyldigheter att lämna information till betaltjänstanvändar</SPAN><SPAN class="ft216"> </SPAN>na, som bör få lika klar information om betaltjänster, så att de kan fatta välgrundade beslut och fritt välja bland erbjudanden inom unionen. För att insynen ska värnas, fastställs i direktivet harmoniserade krav, vilka behövs för att säkerställa att nödvändig, tillräcklig och omfattande information lämnas till betaltjänstanvändarna om betal<SPAN class="ft216"> </SPAN>tjänstavtalet och betalningstransaktionerna. För en väl fungerande inre marknad för betaltjänster bör medlems<SPAN class="ft216"> </SPAN>staterna endast anta de bestämmelserna om information som fastställs i detta direktiv.</P>
<P class="p1249 ft208">(<SPAN class="ft207">1</SPAN>) Europaparlamentets och rådets direktiv 98/26/EG av den 19 maj 1998 om slutlig avveckling i system för överföring och betalningar och värdepapper (EGT L 166, 11.6.1998, s. 45).</P>
<P class="p1250 ft194">(<SPAN class="ft207">2</SPAN>) Kommissionens rekommendation 2003/361/EG av den 6 maj 2003 om definitionen av mikroföretag samt små och medelstora företag (EUT L 124, 20.5.2003, s. 36).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">398</P>
</DIV>
</DIV>
<DIV id="page_399">
<DIV id="dimg1">
<INGENBILD zsrc="H50377399x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/44</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1251 ft194"><SPAN class="ft203">(55)</SPAN><SPAN class="ft219">Konsumenterna bör skyddas mot otillbörliga och vilseledande metoder i enlighet med Europaparlamentets och rådets direktiv 2005/29/EG (</SPAN><SPAN class="ft222">1</SPAN>) samt Europaparlamentets och rådets direktiv 2000/31/EG (<SPAN class="ft222">2</SPAN>), 2002/65/EG (<SPAN class="ft222">3</SPAN>), 2008/48/EG, 2011/83/EU (<SPAN class="ft222">4</SPAN>) och 2014/92/EU (<SPAN class="ft222">5</SPAN>). Bestämmelserna i de direktiven är tillämpliga även i fortsätt<SPAN class="ft216"> </SPAN>ningen. Förhållandet mellan de krav på att lämna information innan ett avtal ingås som föreskrivs i det här direktivet och de som föreskrivs i direktiv 2002/65/EG bör dock särskilt klargöras.</P>
<P class="p1252 ft196"><SPAN class="ft203">(56)</SPAN><SPAN class="ft221">I syfte att öka effektiviteten bör den begärda informationen stå i proportion till användarnas behov och bör meddelas i standardiserad form. Informationskraven på enstaka betalningstransaktioner bör dock skilja sig från kraven på ramavtal om en serie betalningstransaktioner.</SPAN></P>
<P class="p1234 ft194"><SPAN class="ft203">(57)</SPAN><SPAN class="ft219">I praktiken är ramavtal och betalningstransaktioner som omfattas av sådana mycket vanligare och ekonomiskt betydande än enstaka betalningstransaktioner. Om det finns ett betalkonto eller ett särskilt betalningsinstrument, ska det finnas ett ramavtal. Kraven på förhandsinformation om ramavtal bör därför vara omfattande och infor</SPAN><SPAN class="ft216"> </SPAN>mationen bör alltid lämnas på papper eller via något annat varaktigt medium, exempelvis kontoutdragsskrivare, cd- romskivor, <NOBR>dvd-skivor,</NOBR> hårddiskar i persondatorer på vilka <NOBR>e-post</NOBR> kan lagras och webbplatser, såvida de är till<SPAN class="ft216"> </SPAN>gängliga för användning i framtiden under en tid som är tillräcklig för syftet med informationens tillgänglighet och förutsatt att dessa webbplatser möjliggör att återge den informationen som lagras där i ett oförändrat format. Det bör dock vara möjligt för betaltjänstleverantören och betaltjänstanvändaren att i ramavtalet själva komma överens om på vilket sätt information om genomförda betalningstransaktioner därefter ska lämnas, exempelvis att all information om betalkontot vid internetbanktjänster ska tillhandahållas online.</P>
<P class="p1253 ft194"><SPAN class="ft203">(58)</SPAN><SPAN class="ft219">Vid enstaka betalningstransaktioner bör endast den viktigaste informationen ges på betaltjänstleverantörens eget initiativ. I och med att betalaren vanligtvis är närvarande när betalningsordern ges, bör det inte vara nödvändigt att information i varje enskilt fall ska lämnas på papper eller via något annat varaktigt medium. Betaltjänstleverantören bör kunna lämna muntlig information vid betjäningen eller göra informationen åtkomlig på annat sätt, exempelvis genom att anslå villkoren i lokalerna. Det bör också informeras om var närmare övriga upplysningar finns att tillgå, exempelvis på en webbplats. Den viktigaste informationen bör dock även lämnas på papper eller via något annat varaktigt medium, om konsumenten så begär.</SPAN></P>
<P class="p1254 ft194"><SPAN class="ft203">(59)</SPAN><SPAN class="ft219">I detta direktiv bör det föreskrivas att konsumenterna har rätt till kostnadsfri relevant information innan denne binds av ett betaltjänstavtal. När som helst under avtalsförhållandet bör konsumenterna också kunna begära att få förhandsinformation och ramavtalet på papper kostnadsfritt för att göra det möjligt att jämföra de tjänster och villkor som betaltjänstleverantörerna erbjuder och vid tvist kontrollera sina avtalade rättigheter och skyldigheter, så att ett starkt konsumentskydd upprätthålls. Dessa bestämmelser bör vara förenliga med direktiv 2002/65/EG. De specifika bestämmelserna om kostnadsfri information i det här direktivet bör inte medföra att avgifter kan tas ut för information till konsumenter enligt andra tillämpliga direktiv.</SPAN></P>
<P class="p1253 ft194"><SPAN class="ft203">(60)</SPAN><SPAN class="ft219">Det sätt på vilket betaltjänstleverantören ska ge betaltjänstanvändaren erforderlig information bör beakta såväl betaltjänstanvändarens behov som praktiska tekniska aspekter och kostnadseffektivitet och baseras på vad som överenskommits i avtalet om betaltjänster. I detta direktiv bör därför två metoder särskiljas för informationen som ska lämnas av betaltjänstleverantörens: antingen bör informationen lämnas, dvs. aktivt lämnas av betaltjänstleve</SPAN><SPAN class="ft216"> </SPAN>rantören vid lämplig tidpunkt enligt detta direktiv utan att betaltjänstanvändaren så begär, eller bör informationen göras tillgänglig för betaltjänstanvändaren på grundval av en begäran om ytterligare information. I det senare fallet bör betaltjänstanvändaren vidta aktiva åtgärder för att få informationen, exempelvis genom att uttryckligen begära</P>
<P class="p1255 ft195">(<SPAN class="ft207">1</SPAN>) Europaparlamentets och rådets direktiv 2005/29/EG av den 11 maj 2005 om otillbörliga affärsmetoder som tillämpas av närings<SPAN class="ft224"> </SPAN>idkare gentemot konsumenter på den inre marknaden och om ändring av rådets direktiv 84/450/EEG och Europaparlamentets och rådets direktiv 97/7/EG, 98/27/EG och 2002/65/EG samt Europaparlamentets och rådets förordning (EG) nr 2006/2004 (EUT L 149, 11.6.2005, s. 22).</P>
<P class="p1256 ft208">(<SPAN class="ft207">2</SPAN>) Europaparlamentets och rådets direktiv 2000/31/EG av den 8 juni 2000 om vissa rättsliga aspekter på informationssamhällets tjänster, särskilt elektronisk handel, på den inre marknaden (EGT L 178, 17.7.2000, s. 1).</P>
<P class="p1257 ft203">(<SPAN class="ft209">3</SPAN>) Europaparlamentets och rådets direktiv 2002/65/EG av den 23 september 2002 om distansförsäljning av finansiella tjänster till konsumenter och om ändring av rådets direktiv 90/619/EEG samt direktiven 97/7/EG och 98/27/EG (EGT L 271, 9.10.2002, s. 16).</P>
<P class="p1258 ft195">(<SPAN class="ft207">4</SPAN>) Europaparlamentets och rådets direktiv 2011/83/EU av den 25 oktober 2011 om konsumenträttigheter och om ändring av rådets direktiv 93/13/EEG och Europaparlamentets och rådets direktiv 1999/44/EG och om upphävande av rådets direktiv 85/577/EEG och Europaparlamentets och rådets direktiv 97/7/EG (EUT L 304, 22.11.2011, s. 64).</P>
<P class="p1259 ft194">(<SPAN class="ft207">5</SPAN>) Europaparlamentets och rådets direktiv 2014/92/EU av den 23 juli 2014 om jämförbarhet för avgifter som avser betalkonto, byte av betalkonto och tillgång till betalkonto med grundläggande funktioner (EUT L 257, 28.8.2014, s. 214).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">399</P>
</DIV>
</DIV>
<DIV id="page_400">
<DIV id="dimg1">
<INGENBILD zsrc="H50377400x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/45</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1245 ft201">den från betaltjänstleverantören, logga in till en bankkontobrevlåda eller föra in ett bankkort i en kontoutdrags<SPAN class="ft82"> </SPAN>skrivare. Betaltjänstleverantören bör i detta syfte garantera åtkomst till informationen och att informationen är tillgänglig för betaltjänstanvändaren.</P>
<P class="p1260 ft206"><SPAN class="ft203">(61)</SPAN><SPAN class="ft218">Konsumenten bör utan extra avgift få grundinformation om genomförda betalningstransaktioner. Vid enstaka betalningstransaktioner bör betaltjänstleverantören inte ta ut en särskild avgift för den informationen. Den efter</SPAN><SPAN class="ft205"> </SPAN>följande informationen om betalningstransaktioner enligt ett ramavtal bör likaså lämnas månatligen utan kostnad. Med hänsyn till vikten av insyn i prissättningen och kunders olika behov, bör parterna kunna avtala om avgifter för information som lämnas oftare eller som komplettering. Med tanke på skillnader i nationell praxis bör medlemsstaterna kunna begära att månatliga kontoutdrag för betalkonton i pappersform eller annat varaktigt medium alltid ska lämnas kostnadsfritt.</P>
<P class="p1261 ft194"><SPAN class="ft203">(62)</SPAN><SPAN class="ft219">För att underlätta kundernas rörlighet bör konsumenterna kunna avsluta ett ramavtal utan att debiteras avgifter. För avtal som avslutas av konsumenten mindre än sex månader efter deras ikraftträdande bör betaltjänstleveran</SPAN><SPAN class="ft216"> </SPAN>törerna dock tillåtas att ta ut avgifter i samma storleksordning som de kostnader som uppstått på grund av att konsumenten avslutat ramavtalet. För konsumenter bör den avtalade uppsägningstiden inte vara längre än en månad och för betaltjänstleverantörer inte kortare än två månader. Detta direktiv bör inte påverka betaltjänst<SPAN class="ft216"> </SPAN>leverantörens skyldighet att enligt annan relevant unionsrätt eller nationell rätt avsluta ett betaltjänstavtal vid extraordinära omständigheter, såsom regelverket om penningtvätt eller finansiering av terrorism, åtgärder för att frysa tillgångar eller varje annan särskild åtgärd i samband med förebyggande och utredning av brott.</P>
<P class="p1262 ft196"><SPAN class="ft203">(63)</SPAN><SPAN class="ft221">För att säkerställa ett starkt konsumentskydd bör medlemsstaterna i konsumenternas intresse kunna behålla eller införa restriktioner eller förbud mot ensidiga ändringar av villkoren i ett ramavtal, till exempel om det inte finns något motiverat skäl till en sådan ändring.</SPAN></P>
<P class="p1263 ft196"><SPAN class="ft203">(64)</SPAN><SPAN class="ft221">Avtalsbestämmelser bör inte, som syfte eller effekt, diskriminera konsumenter som är lagligen bosatta i unionen på grund av deras nationalitet eller bosättningsort. När t.ex. ett ramavtal föreskriver rätten att av objektivt betingade skäl blockera betalningsinstrumentet bör betaltjänstleverantören inte ha möjlighet att åberopa denna rätt endast på grund av att betaltjänstanvändaren har bytt bosättningsort inom unionen.</SPAN></P>
<P class="p1264 ft194"><SPAN class="ft203">(65)</SPAN><SPAN class="ft219">Erfarenheten visar att det effektivaste systemet är att avgifterna delas mellan betalare och betalningsmottagare, eftersom detta underlättar direkthantering av betalningarna. Det bör därför fastställas bestämmelser om att de respektive betaltjänstleverantörerna i normala fall bör ta ut avgifterna direkt av betalaren och betalningsmottagaren. De avgifter som tas ut kan också vara lika med noll, eftersom bestämmelserna i detta direktiv inte påverkar praxis enligt vilken betaltjänstleverantören inte tar ut någon avgift från konsumenterna för kreditering av deras konton. Beroende på avtalsvillkoren kan en betaltjänstleverantör på samma sätt ta ut en avgift för användning av betal</SPAN><SPAN class="ft216"> </SPAN>tjänsten endast av betalningsmottagaren (säljföretaget), vilket medför att betalaren inte åläggs någon avgift. Det är möjligt att betalningssystemet tar ut avgifter i form av en abonnemangsavgift. Bestämmelserna om överfört belopp eller avgifter får inga direkta följder för prissättningen mellan betaltjänstleverantörer eller eventuella mellanhänder.</P>
<P class="p1264 ft194"><SPAN class="ft203">(66)</SPAN><SPAN class="ft219">Olika nationell praxis för avgiftsuttag vid användning av ett visst betalningsinstrument (nedan kallat </SPAN><SPAN class="ft215">tilläggsavgifter</SPAN>) har lett till att unionens betalningsmarknad är ytterst heterogen. Detta har blivit en källa till förvirring för konsumenterna, särskilt när det gäller <NOBR>e-handel</NOBR> och i gränsöverskridande sammanhang. Säljföretag som är etable<SPAN class="ft216"> </SPAN>rade i medlemsstater där tilläggsavgifter är tillåtna erbjuder produkter och tjänster i medlemsstater där tilläggs<SPAN class="ft216"> </SPAN>avgifter är förbjudna, och tar ut tilläggsavgifter av konsumenterna. Det finns också många exempel på säljföretag som tagit ut mycket högre tilläggsavgifter än den kostnad som de haft för användningen av ett visst betal<SPAN class="ft216"> </SPAN>instrument. Ett starkt skäl till att se över användningen av tilläggsavgifter är att regler om förmedlingsavgifter eller för kortbaserade betalningar fastställs i förordning (EU) 2015/751. Förmedlingsavgifter utgör den största delen av säljföretagets avgifter för kort och kortbaserade betalningar. Tilläggsavgifter är den styrpraxis som säljföretag ibland använder för att kompensera för merkostnader i samband med kortbaserade betalningar. Förordning (EU) 2015/751 begränsar nivån för tilläggsavgifternas storlek. Begränsningen kommer att tillämpas innan det förbud som föreskrivs i det här direktivet införs. Medlemsstaterna bör därför överväga att förhindra att betalningsmotta<SPAN class="ft216"> </SPAN>gare tar ut avgifter för användning av betalningsinstrument vars förmedlingsavgifter regleras i kapitel II i för<SPAN class="ft216"> </SPAN>ordning (EU) 2015/751.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">400</P>
</DIV>
</DIV>
<DIV id="page_401">
<DIV id="dimg1">
<INGENBILD zsrc="H50377401x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/46</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1251 ft194"><SPAN class="ft203">(67)</SPAN><SPAN class="ft219">Även om betalningsinstitutens betydelse erkänns i detta direktiv utgör kreditinstituten fortfarande den främsta vägen för konsumenterna att erhålla betalningsinstrument. Om ett kortbaserat betalningsinstrument utges av en annan betaltjänstleverantör, oberoende av om det är ett kreditinstitut eller ett betalningsinstitut, än den som förvaltar kundens konto, kan det bidra till ökad konkurrens på marknaden och därmed till ett större urval och bättre erbjudanden för konsumenterna. Samtidigt som de flesta betalningar vid försäljningsstället i dag är kort</SPAN><SPAN class="ft216"> </SPAN>baserade kan den nuvarande graden av innovation på betalningsområdet leda till att nya betalningskanaler snabbt uppstår under de kommande åren. Det är därför lämpligt att kommissionen, vid sin översyn av detta direktiv, särskilt beaktar denna utveckling och huruvida tillämpningsområdet för bestämmelsen om bekräftelse av tillgäng<SPAN class="ft216"> </SPAN>liga medel behöver revideras. Den betaltjänstleverantör som ger ut det kortbaserade betalningsinstrumentet, särskilt bankkort, skulle ha möjlighet att på ett bättre sätt hantera och begränsa utgivarens kreditrisk om bekräftelse erhölls från den kontoförvaltande betaltjänstleverantören av att medel finns tillgängliga på kundens konto. Samtidigt bör den bekräftelsen inte göra det möjligt för den kontoförvaltande betaltjänstleverantören att blockera medel på betalarens betalkonto.</P>
<P class="p1265 ft194"><SPAN class="ft203">(68)</SPAN><SPAN class="ft219">Användandet av ett kort eller ett kortbaserat betalningsinstrument för en betalning kommer ofta att leda till att ett meddelande genereras i vilket medlens tillgänglighet bekräftas och två därav föranledda betalningstransaktioner. Den första transaktionen sker mellan utgivaren och säljföretagets kontoförvaltande betaltjänstleverantör, medan den andra, oftast en autogirering, sker mellan betalarens kontoförvaltande betaltjänstleverantör och utgivaren. Båda transaktionerna bör behandlas på samma sätt som alla övriga likvärdiga transaktioner. Betaltjänstleverantörer som ger ut kortbaserade betalningsinstrument bör åtnjuta samma rättigheter och bör vara föremål för samma skyldig</SPAN><SPAN class="ft216"> </SPAN>heter enligt detta direktiv, oavsett om de är betalarens kontoförvaltande betaltjänstleverantör eller inte, framför allt när det gäller ansvarighet (t.ex. autentisering) och ansvar gentemot olika aktörer i betalningskedjan. Eftersom betaltjänstleverantörens begäran och bekräftelsen om medlens tillgänglighet kan framställas genom befintliga säkra kommunikationskanaler, tekniska förfaranden och infrastruktur för kommunikation mellan leverantörer av betal<SPAN class="ft216"> </SPAN>ningsinitieringstjänster eller leverantörer av kontoinformationstjänster och kontoförvaltande betaltjänstleverantörer, samtidigt som nödvändiga säkerhetsåtgärder respekteras, bör inga ytterligare kostnader för betaltjänstleverantörer eller kortinnehavare förekomma. Dessutom bör den kontoförvaltande betaltjänstleverantören, oavsett om betal<SPAN class="ft216"> </SPAN>ningstransaktionen äger rum i en internetmiljö (återförsäljares webbplats) eller i detaljhandelslokaler, vara skyldig att tillhandahålla den bekräftelse som utgivaren begärt endast för kontoförvaltande betaltjänstleverantörers konton som är elektroniskt tillgängliga för denna bekräftelse åtminstone genom internetbank. Med hänsyn till elektroniska pengars egenart bör det inte vara möjligt att tillämpa den mekanismen på betalningstransaktioner som initieras genom kortbaserade betalningsinstrument på vilka elektroniska pengar enligt definitionen i direktiv 2009/110/EG lagras.</P>
<P class="p1266 ft206"><SPAN class="ft203">(69)</SPAN><SPAN class="ft218">Skyldigheten att hålla personliga säkerhetsbehörighetsuppgifter säkra är av allra största vikt för att skydda betal</SPAN><SPAN class="ft205"> </SPAN>tjänstanvändarens medel och begränsa risker med avseende på bedrägeri och icke auktoriserad tillgång till betal<SPAN class="ft205"> </SPAN>kontot. De villkor eller andra skyldigheter som betaltjänstleverantörerna ålägger betaltjänstanvändarna när det gäller att hålla personliga säkerhetsbehörighetsuppgifter säkra bör inte vara formulerade så att de hindrar betal<SPAN class="ft205"> </SPAN>tjänstanvändarna från att utnyttja tjänster som tillhandahålls av andra betaltjänstleverantörer, inbegripet betalnings<SPAN class="ft205"> </SPAN>initieringstjänster och kontoinformationstjänster. Sådana villkor bör inte heller innehålla några bestämmelser som på något sätt gör det svårare att använda betaltjänster från andra betaltjänstleverantörer som är auktoriserade eller registrerade enligt detta direktiv.</P>
<P class="p1267 ft194"><SPAN class="ft203">(70)</SPAN><SPAN class="ft219">För att minska riskerna med och konsekvenserna av icke auktoriserade eller felaktigt genomförda betalningstrans</SPAN><SPAN class="ft216"> </SPAN>aktioner bör betaltjänstanvändaren så snart som möjligt informera betaltjänstleverantören om alla invändningar vad gäller påstått icke auktoriserade eller felaktigt genomförda betalningstransaktioner, under förutsättning att betaltjänstleverantören har uppfyllt sin informationsskyldighet enligt detta direktiv. Om tidsfristen för att underrätta betaltjänstleverantören respekteras av betaltjänstanvändaren, bör denne ha möjlighet att föra talan inom de natio<SPAN class="ft216"> </SPAN>nella preskriptionstiderna. Detta direktiv bör inte påverka andra tvister mellan betaltjänstanvändare och betaltjänst<SPAN class="ft216"> </SPAN>leverantörer.</P>
<P class="p1243 ft194"><SPAN class="ft203">(71)</SPAN><SPAN class="ft219">I händelse av en icke auktoriserad betalningstransaktion bör betaltjänstleverantören omedelbart återbetala beloppet för den transaktionen till betalaren. Om det finns allvarlig misstanke om att en icke auktoriserad transaktion är resultatet av betaltjänstanvändarens bedrägliga beteende och om den misstanken bygger på objektiva grunder som meddelats till den behöriga nationella myndigheten, bör betaltjänstleverantören ha möjlighet att, inom rimlig tid, genomföra en undersökning innan betalaren återbetalas. För att skydda betalararen från nackdelar bör valuterings</SPAN><SPAN class="ft216"> </SPAN>dagen för krediteringen av återbetalningen inte infalla senare än det datum då beloppet har debiterats. För att skapa incitament för betaltjänstanvändaren att utan onödigt dröjsmål underrätta sin betaltjänstleverantör om ett stulet eller förlorat betalningsinstrument och således minska risken för icke auktoriserade betalningstransaktioner, bör</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">401</P>
</DIV>
</DIV>
<DIV id="page_402">
<DIV id="dimg1">
<INGENBILD zsrc="H50377402x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/47</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1268 ft206">användaren enbart vara ansvarig för ett mycket begränsat belopp, såvida inte denne har handlat bedrägligt eller visat grov vårdslöshet. I detta sammanhang förefaller ett belopp på 50 EUR vara lämpligt för att garantera ett harmoniserat och starkt skydd för användare inom unionen. Inget ansvar bör föreligga om betalaren inte kunnat känna till förlusten, stölden eller missbruket av betalningsinstrumentet. Så snart som en användare har underrättat en betaltjänstleverantör om att vederbörandes betalningsinstrument har kommit i orätta händer, bör betaltjäns<SPAN class="ft205"> </SPAN>tanvändaren inte vara skyldig att stå för några ytterligare förluster till följd av icke auktoriserad användning av instrumentet. Detta direktiv bör inte påverka betaltjänstleverantörers ansvar för sina egna produkters tekniska säkerhet.</P>
<P class="p1261 ft194"><SPAN class="ft203">(72)</SPAN><SPAN class="ft219">För att kunna bedöma eventuell vårdslöshet eller grov vårdslöshet från betaltjänstanvändarens sida, bör alla omständigheter beaktas. Bevis för och omfattningen av den påstådda vårdslösheten bör generellt prövas enligt nationell rätt. Medan begreppet vårdslöshet inbegriper ett åsidosättande av en aktsamhetsplikt, bör grov vårdslöshet emellertid betyda mer än ren vårdslöshet och omfatta ett uppträdande som uppvisar en betydande grad av</SPAN></P>
<P class="p1269 ft194">oaktsamhet; till exempel att förvara de behörighetsuppgifter som används för auktorisering av en betalningstrans<SPAN class="ft216"> </SPAN>aktion intill betalningsinstrumentet, i ett format som är öppet och lätt att upptäcka för tredje man. Som ogiltiga bör sådana avtalsbestämmelser och avtalsvillkor betraktas som för tillhandahållandet och användningen av ett betalningsinstrument innebär att bevisbördan ökar för konsumenten eller minskar för utgivaren. I vissa situationer, särskilt när betalningsinstrumentet saknas på försäljningsstället, exempelvis vid onlinebetalningar, förefaller det lämpligt att kräva att betaltjänstleverantören bevisar påstådd vårdslöshet, eftersom betalarens möjligheter att göra detta är mycket små i sådana fall.</P>
<P class="p1231 ft206"><SPAN class="ft203">(73)</SPAN><SPAN class="ft218">Bestämmelser bör införas om fördelning av förluster till följd av icke auktoriserade betalningstransaktioner. Olika bestämmelser kan gälla för betaltjänstanvändare som inte är konsumenter, eftersom sådana användare normalt har bättre förutsättningar att bedöma bedrägeririsken och vidta motåtgärder. För att säkerställa ett starkt konsuments</SPAN><SPAN class="ft205"> </SPAN>kydd bör betalarna alltid ha rätt att rikta sitt återbetalningskrav till sin kontoförvaltande betaltjänstleverantör även om en leverantör av betalningsinitieringstjänster deltar i betalningstransaktionen. Detta påverkar inte ansvarsför<SPAN class="ft205"> </SPAN>delningen mellan betaltjänstleverantörerna.</P>
<P class="p1261 ft194"><SPAN class="ft203">(74)</SPAN><SPAN class="ft219">När det gäller betalningsinitieringstjänster bör betaltjänstanvändarnas och de deltagande betaltjänstleverantörernas rättigheter och skyldigheter vara lämpliga för den tjänst som tillhandahålls. Närmare bestämt bör ansvarsfördel</SPAN><SPAN class="ft216"> </SPAN>ningen mellan den betaltjänstleverantör som förvaltar kontot och den leverantör av betalningsinitieringstjänster som deltar i transaktionen innebära att varje part tar ansvar för den del av transaktionen som de kontrollerar.</P>
<P class="p1263 ft206"><SPAN class="ft203">(75)</SPAN><SPAN class="ft218">Detta direktiv syftar till att öka konsumentskyddet vid kortbaserade betalningstransaktioner där det exakta trans</SPAN><SPAN class="ft205"> </SPAN>aktionsbeloppet inte är känt vid tidpunkten när betalaren ger sitt medgivande till genomförandet av betalnings<SPAN class="ft205"> </SPAN>transaktionen, till exempel vid obemannade bensinstationer, i biluthyrningsavtal eller vid hotellbokningar. Betala<SPAN class="ft205"> </SPAN>rens betaltjänstleverantör bör endast kunna spärra medel på betalarens betalkonto om betalaren har gett sitt medgivande till det exakta belopp som ska spärras och dessa medel bör frigöras utan onödigt dröjsmål efter mottagandet av uppgifterna om det exakta beloppet för betalningstransaktionen och allra senast omedelbart efter mottagandet av betalningsordern.</P>
<P class="p1261 ft194"><SPAN class="ft203">(76)</SPAN><NOBR><SPAN class="ft219">Sepa-projektet</SPAN></NOBR> syftar till att vidareutveckla gemensamma unionsomfattande betaltjänster för att ersätta nuvarande nationella tjänster när det gäller betalningar som är denominerade i euro. I syfte att säkerställa en fullständig övergång till unionsomfattande betalningar och autogireringar fastställs i förordning (EU) nr 260/2012 tekniska och affärsmässiga krav för betalningar och autogireringar i euro. När det gäller autogireringar förutses i den förordningen att betalaren ger sitt samtycke till både betalningsmottagaren och betalarens betaltjänstleverantör (direkt eller indirekt via betalningsmottagaren) och att medgivandena, tillsammans med senare ändringar eller annulleringar, sparas av betalningsmottagaren eller av en tredje part för betalningsmottagarens räkning. Det nuvarande och, än så länge, enda alleuropeiska autogirosystemet för konsumentbetalningar i euro som utvecklats av Europeiska betalningsrådet är baserat på principen att medgivandet om att genomföra en autogirering ges av betalaren till betalningsmottagaren och sparas av betalningsmottagaren, tillsammans med senare ändringar eller annulleringar. Medgivandet kan också lagras av en tredje part för betalningsmottagarens räkning. För att säkerställa ett brett stöd bland allmänheten för Sepa och för att säkerställa en hög konsumentskyddsnivå inom Sepa ger det befintliga alleuropeiska autogirosystemet ovillkorlig rätt till återbetalning för auktoriserade betalningar. Som en återspegling av denna verklighet syftar detta direktiv till att fastställa en ovillkorlig rätt till återbetalning, som ett allmänt krav för alla eurodenominerade autogireringstransaktioner i unionen.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">402</P>
</DIV>
</DIV>
<DIV id="page_403">
<DIV id="dimg1">
<INGENBILD zsrc="H50377403x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/48</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1226 ft194">Parallellt med Sepa finns dock fortfarande äldre autogirosystem för icke eurodenominerade transaktioner i med<SPAN class="ft216"> </SPAN>lemsstater som inte har euron som valuta. Dessa system har visat sig vara effektiva och säkerställer samma höga nivå av skydd för betalaren genom andra skyddsmedel, som inte alltid utgår från en ovillkorlig rätt till återbetal<SPAN class="ft216"> </SPAN>ning. I detta fall bör betalaren skyddas genom den allmänna regeln om en återbetalning när den genomförda betalningstransaktionen överstiger det belopp som rimligen kunde ha förväntats. Dessutom bör det vara möjligt för medlemsstaterna att fastställa regler om återbetalningsrättigheter som är mer fördelaktiga för betalaren. Det finns en genuin efterfrågan på specifika eurodenominerade autogiroprodukter inom Sepa, vilket framgår av att vissa äldre betalningssystem i euro finns kvar i några medlemsstater. Det skulle vara rimligt att tillåta att betalaren och dennes betaltjänstleverantör i ett ramavtal enas om att betalaren inte har rätt till återbetalning, i situationer där betalaren är skyddad antingen eftersom betalaren direkt till sin betaltjänstleverantör givit sitt godkännande till att en transaktion genomförs, inbegripet när den senare handlar för betalningsmottagarens räkning eller eftersom, i förekommande fall, betaltjänstleverantören eller betalningsmottagaren på överenskommet sätt lämnat betalaren information om den framtida betalningstransaktionen eller gjort informationen tillgänglig för denne minst fyra veckor före sista betalningsdagen. I varje fall bör betalaren alltid vara skyddad genom den allmänna återbetalningsregeln i händelse av icke auktoriserade eller felaktigt genomförda betalningstransaktioner.</P>
<P class="p1270 ft194"><SPAN class="ft203">(77)</SPAN><SPAN class="ft219">För att kunna planera sin ekonomi och fullgöra sina betalningsförpliktelser i tid måste konsumenter och företag vara säkra på hur lång tid det tar att genomföra en betalningsorder. Detta direktiv bör därför fastställa när</SPAN></P>
<P class="p1271 ft194">rättigheter och skyldigheter börjar gälla, dvs. då betaltjänstleverantören tar emot betalningsordern, inbegripet den tidpunkt då betaltjänstleverantören hade möjlighet att ta emot den genom de kommunikationsmedel om vilka överenskommelse träffats i betaltjänstavtalet, oaktat eventuellt tidigare deltagande i det förfarande som leder fram till upprättandet och överföringen av betalningsordern, exempelvis säkerhets- och täckningskontroller, infor<SPAN class="ft216"> </SPAN>mation om användningen av det personliga identifieringsnumret eller utfärdande av ett betalningslöfte. Vidare bör mottagande av en betalningsorder inträffa när betalarens betaltjänstleverantör tar emot den betalningsorder som ska debiteras betalarens konto. Ingen relevans i detta avseende bör den dag eller tidpunkt ha då en betalnings<SPAN class="ft216"> </SPAN>mottagare till sin betalningstjänsteleverantör överför betalningsorder för inkassering av exempelvis kortbetalning eller autogireringar eller då betalningsmottagaren beviljas en förskottsfinansiering av de aktuella beloppen av sin betaltjänstleverantör (genom en kredit kopplad till sitt konto). Användarna bör kunna lita på att en betalningsorder genomförs korrekt och fullständigt, om inte betaltjänstleverantören har avtalad eller laga grund för vägran. Om betaltjänstleverantören avvisar en betalningsorder, bör betaltjänstanvändaren snarast möjligt underrättas om detta och om orsaken till avvisandet, om inte annat följer av unionsrätten och nationell rätt. Om ramavtalet innefattar villkor som innebär att betaltjänstleverantören får ta ut en avgift för avvisande bör den avgiften vara objektivt motiverad och bör hållas så låg som möjligt.</P>
<P class="p1272 ft206"><SPAN class="ft203">(78)</SPAN><SPAN class="ft218">Med tanke på hur snabbt moderna helautomatiserade betalningssystem hanterar betalningstransaktioner, vilket gör att betalningsorder inte kan återkallas efter en viss tidpunkt utan höga kostnader för manuella insatser, är det nödvändigt att ange en klar tidsgräns för återkallelse av betalningen. Alltefter typen av betaltjänst och betalnings</SPAN><SPAN class="ft205"> </SPAN>order bör det dock vara möjligt att variera tidpunkten för betalning genom ett avtal mellan parterna. Återkallelse bör i detta sammanhang endast vara tillämplig på förhållandet mellan betaltjänstanvändaren och betaltjänstleve<SPAN class="ft205"> </SPAN>rantören och påverkar således inte det faktum att betalningstransaktioner i betalningssystem är oåterkalleliga och definitiva.</P>
<P class="p1266 ft206"><SPAN class="ft203">(79)</SPAN><SPAN class="ft218">Sådan oåterkallelighet bör inte påverka en betaltjänstleverantörs rättigheter eller skyldigheter enligt lagarna i vissa medlemsstater att på grundval av betalarens ramavtal eller nationella lagar och andra författningar eller riktlinjer återbetala den genomförda betalningstransaktionens belopp till betalaren vid tvist mellan betalaren och betalnings</SPAN><SPAN class="ft205"> </SPAN>mottagaren. En sådan återbetalning bör betraktas som en ny betalningsorder. Utom i dessa fall bör rättsliga tvister som uppstår inom det förhållande som ligger bakom betalningsordern avgöras endast mellan betalaren och betalningsmottagaren.</P>
<P class="p1243 ft194"><SPAN class="ft203">(80)</SPAN><SPAN class="ft219">Att hela det belopp som betalaren överför krediteras betalningsmottagarens konto är av avgörande betydelse för en helt integrerad direkthantering av betalningar, och för rättssäkerheten vad gäller underliggande inbördes skyldig</SPAN><SPAN class="ft216"> </SPAN>heter mellan betaltjänstanvändare. Det bör därför inte vara möjligt för någon av de mellanhänder som deltar i genomförandet av betalningstransaktioner att göra avdrag från det överförda beloppet. Det bör dock vara möjligt för betalningsmottagaren att ingå ett avtal med sin betaltjänstleverantör som ger den senare möjlighet att dra av sina egna avgifter. För att betalningsmottagaren ska kunna kontrollera att det utestående beloppet betalas korrekt, bör det emellertid i den efterföljande informationen om betalningstransaktionen lämnas uppgift inte bara om hela det överförda beloppet, utan även om storleken på eventuella avgifter som har dragits av.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">403</P>
</DIV>
</DIV>
<DIV id="page_404">
<DIV id="dimg1">
<INGENBILD zsrc="H50377404x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/49</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1236 ft194"><SPAN class="ft203">(81)</SPAN><SPAN class="ft219">Betalningsinstrument för låga belopp bör vara ett billigt alternativ som är lätt att använda för varor och tjänster till låga priser och bör inte överbelastas med överdrivna krav. De tillhörande informationskraven och genomförande</SPAN><SPAN class="ft216"> </SPAN>reglerna bör därför begränsas till väsentlig information, men även beakta de tekniska möjligheter som på goda grunder kan förväntas av instrument som är avsedda för betalning av låga belopp. Trots de mindre omfattande bestämmelserna bör betaltjänstanvändarna ha ett adekvat skydd med tanke på de begränsade riskerna med dessa betalningsinstrument, särskilt vad gäller förskottsbetalade betalningsinstrument.</P>
<P class="p1273 ft194"><SPAN class="ft203">(82)</SPAN><SPAN class="ft219">För effektivare betalningar inom unionen bör en maximal tid på en dag tillämpas för alla betalningsorder som initierats av betalaren i euro eller valutan i en medlemsstat som inte har euron som valuta, inbegripet betalningar och penningöverföringar. För alla övriga betalningar, exempelvis betalningar som initierats av eller via en betal</SPAN><SPAN class="ft216"> </SPAN>ningsmottagare, däribland autogireringar och kortbetalningar, bör samma genomförandetid på en dag tillämpas om det inte föreligger ett uttryckligt avtal mellan betaltjänstleverantören och betalaren om längre genomförandetid. Det bör vara möjligt att förlänga ovannämnda tider med ytterligare en bankdag om betalningsordern görs på papper, för att göra det möjligt att fortsätta att tillhandahålla betaltjänster till kunder som endast är vana vid pappers<SPAN class="ft216"> </SPAN>dokument. Om autogirosystem används, bör betalningsmottagarens betaltjänstleverantör överföra inkasserings<SPAN class="ft216"> </SPAN>ordern inom de tidsgränser som har överenskommits mellan denne och betalningsmottagaren, så att betalning sker på överenskommen dag. Med tanke på att infrastrukturerna för betalningar ofta är mycket effektiva, bör medlemsstaterna dock, för att förhindra att de nuvarande servicenivåerna försämras, när så är lämpligt få behålla eller fastställa bestämmelser om kortare genomförandetider än en bankdag.</P>
<P class="p1274 ft201"><SPAN class="ft203">(83)</SPAN><SPAN class="ft220">Bestämmelserna om betalning av beloppet i dess helhet och om genomförandetid bör ses som god praxis när någon av betaltjänstleverantörerna inte är etablerad inom unionen.</SPAN></P>
<P class="p1203 ft196"><SPAN class="ft203">(84)</SPAN><SPAN class="ft221">För att stärka konsumenternas förtroende för en harmoniserad betalningsmarknad är det viktigt att betaltjäns</SPAN><SPAN class="ft213"> </SPAN>tanvändarna känner till de faktiska kostnaderna och avgifterna för betaltjänster, så att de kan göra sitt val. I linje med detta bör otydligt redovisade prissättningsmetoder vara förbjudna, eftersom det är allmänt erkänt att sådana metoder gör det ytterst svårt för användarna att fastställa det faktiska priset för en betaltjänst. I synnerhet bör användning av valutadagar som missgynnar användarna inte tillåtas.</P>
<P class="p1273 ft194"><SPAN class="ft203">(85)</SPAN><SPAN class="ft219">För att betalningssystemet ska fungera friktionsfritt och effektivt måste användaren kunna lita på att betaltjänst</SPAN><SPAN class="ft216"> </SPAN>leverantören genomför betalningstransaktionen korrekt och inom avtalad tid. Betaltjänstleverantören har i regel förutsättningar att bedöma betalningstransaktionens risker. Det är betaltjänstleverantören som tillhandahåller betal<SPAN class="ft216"> </SPAN>ningssystemet, vidtar åtgärder för att återkalla felaktigt placerade medel och i de flesta fall beslutar om vilka mellanhänder som ska bidra till att genomföra betalningstransaktionen. Mot denna bakgrund är det, utom under onormala och oförutsägbara förhållanden, lämpligt att betaltjänstleverantören åläggs att genomföra en betalnings<SPAN class="ft216"> </SPAN>transaktion som denne har tagit emot från användaren, utom när det gäller handlingar och försummelser som betalningsmottagarens betaltjänstleverantör, som är utvald endast av betalningsmottagaren, begår. För att betalaren inte ska vara skyddslös i fall av osannolika omständigheter där det inte är klart att betalningsbeloppet vederbör<SPAN class="ft216"> </SPAN>ligen mottogs av betalningsmottagarens betaltjänstleverantör, bör emellertid den motsvarande bevisbördan ligga på betalarens betaltjänstleverantör. Som regel kan det förväntas att det förmedlande institut, vanligtvis ett ”neutralt” organ såsom en centralbank eller en clearingorganisation, som överför betalningsbeloppet från den sändande till den mottagande betaltjänstleverantören, kommer att lagra kontouppgifterna och kommer att kunna tillhandahålla dessa vid behov. När betalningsbeloppet har krediterats den mottagande betaltjänstleverantörens konto, bör betal<SPAN class="ft216"> </SPAN>ningsmottagaren omedelbart ha en fordran på sin betaltjänstleverantör för kreditering på sitt konto.</P>
<P class="p1264 ft194"><SPAN class="ft203">(86)</SPAN><SPAN class="ft219">Betalarens betaltjänstleverantör, närmare bestämt kontoförvaltande betaltjänstleverantör eller, i förekommande fall, leverantör av betalningsinitieringstjänster, bör ha ansvar för att betalningar utförs korrekt, särskilt vad gäller betalning av betalningstransaktionens hela belopp och tiden för utförandet, samt fullt ansvar om andra parter i betalningskedjan fram till betalningsmottagarens konto inte agerar på rätt sätt. Om hela beloppet inte krediteras eller krediteras för sent till betalningsmottagarens betaltjänstleverantör, följer av detta ansvar att betalarens betal</SPAN><SPAN class="ft216"> </SPAN>tjänstleverantör bör korrigera betalningstransaktionen eller utan onödigt dröjsmål återbetala den berörda delen av transaktionsbeloppet till betalaren, utan att detta påverkar eventuella andra anspråk som kan resas enligt nationell rätt. Till följd av betaltjänstleverantörens ansvar bör varken betalaren eller betalningsmottagaren behöva bära eventuella kostnader i samband med en felaktig betalning. I händelse av icke genomförda, bristfälliga eller sent gjorda betalningstransaktioner bör medlemsstaterna se till att valuteringsdagen för de korrigerande betalningar som görs av betaltjänstleverantören alltid är densamma som valuteringsdagen för en korrekt genomförd transaktion.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">404</P>
</DIV>
</DIV>
<DIV id="page_405">
<DIV id="dimg1">
<INGENBILD zsrc="H50377405x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/50</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1251 ft194"><SPAN class="ft203">(87)</SPAN><SPAN class="ft219">Detta direktiv bör endast gälla skyldigheter och ansvar enligt avtalet mellan betaltjänstanvändaren och dennes betaltjänstleverantör. För att betalningar och andra betaltjänster ska fungera på rätt sätt fordras emellertid att betaltjänstleverantörerna och deras mellanhänder, exempelvis insamlare, har avtalat om sina ömsesidiga rättigheter och skyldigheter. Ansvarsfrågor utgör en väsentlig del av dessa enhetliga avtal. För att tillförlitligheten hos betal</SPAN><SPAN class="ft216"> </SPAN>tjänstleverantörer och mellanhänder som deltar i betalningstransaktionen ska säkerställas, är det av rättssäkerhets<SPAN class="ft216"> </SPAN>skäl nödvändigt att fastställa att icke ansvariga betaltjänstleverantörer ska kompenseras för uppkomna förluster eller belopp som utbetalats enligt bestämmelserna om ansvar i detta direktiv. Ytterligare rättigheter och detaljer om omfattningen av regress och hur anspråk på den betaltjänstleverantör eller mellanhand som orsakat en felaktig betalningstransaktion ska hanteras bör vara föremål för ett avtal.</P>
<P class="p1267 ft194"><SPAN class="ft203">(88)</SPAN><SPAN class="ft219">Det bör vara möjligt för betaltjänstleverantören att entydigt ange vilken information som krävs för att genomföra betalningsordern korrekt. För att undvika uppsplittring och inte äventyra inrättandet av integrerade betalnings</SPAN><SPAN class="ft216"> </SPAN>system inom unionen bör medlemsstaterna dock inte kunna kräva att en särskild identifikationskod används för betalningstransaktioner. Det bör emellertid inte hindra medlemsstaterna från att kräva att betalarens betaltjänst<SPAN class="ft216"> </SPAN>leverantör iakttar tillbörlig försiktighet och, när det är tekniskt möjligt och inte kräver manuellt ingripande, kontrollerar att den unika identifikationskoden stämmer och, om så inte är fallet, vägrar att genomföra betalnings<SPAN class="ft216"> </SPAN>ordern och informerar betalaren om detta. Betaltjänstleverantörens ansvar bör begränsas till att varje betalnings<SPAN class="ft216"> </SPAN>transaktion ska genomföras korrekt i enlighet med betaltjänstanvändarens betalningsorder. Om de medel som en</P>
<P class="p1275 ft196">betalningstransaktion avser hamnar hos fel mottagare på grund av att betalaren har lämnat en felaktig unik identifikationskod bör varken betalarens eller betalningsmottagarens betaltjänstleverantörer vara ansvarig, men de bör samarbeta genom att vidta rimliga åtgärder för att återvinna medlen, även genom att lämna relevant information.</P>
<P class="p1253 ft194"><SPAN class="ft203">(89)</SPAN><SPAN class="ft219">Vid betaltjänstleverantörernas tillhandahållande av betaltjänster kan behandling av personuppgifter förekomma. Europaparlamentets och rådets direktiv 95/46/EG (</SPAN><SPAN class="ft222">1</SPAN>) och de nationella regler varigenom direktiv 95/46/EG och Europaparlamentets och rådets förordning (EG) nr 45/2001 (<SPAN class="ft222">2</SPAN>) införlivas är tillämpliga på behandling av person<SPAN class="ft216"> </SPAN>uppgifter med avseende på detta direktiv. Särskilt när personuppgifter behandlas med avseende på det här direk<SPAN class="ft216"> </SPAN>tivet bör det exakta syftet anges, relevant rättslig grund åberopas, relevanta säkerhetskrav i direktiv 95/46/EG följas och principerna om nödvändighet, proportionalitet, ändamålsbegränsning och proportionerlig lagringstid för upp<SPAN class="ft216"> </SPAN>gifter tillämpas. Dessutom bör inbyggt uppgiftsskydd och dataskydd som standard ingå i alla databehandlings<SPAN class="ft216"> </SPAN>system som utvecklas och används inom ramen för detta direktiv.</P>
<P class="p1276 ft194"><SPAN class="ft203">(90)</SPAN><SPAN class="ft219">Detta direktiv är förenligt med de grundläggande rättigheter och de principer som erkänns i Europeiska unionens stadga om de grundläggande rättigheterna, däribland rätten till ett privatliv och familjeliv, rätten till skydd av personuppgifter, näringsfrihet, rätten till ett effektivt rättsmedel och rätten att inte bli dömd eller straffad två gånger för samma brott. Direktivet måste genomföras i enlighet med dessa rättigheter och principer.</SPAN></P>
<P class="p1276 ft194"><SPAN class="ft203">(91)</SPAN><SPAN class="ft219">Betaltjänstleverantörerna är ansvariga för säkerhetsåtgärder. Dessa åtgärder måste stå i proportion till de berörda säkerhetsriskerna. Betaltjänstleverantörer bör inrätta en ram för att minska riskerna och upprätthålla effektiva incidenthanteringsförfaranden. Ett system för regelbunden rapportering bör inrättas för att säkerställa att betal</SPAN><SPAN class="ft216"> </SPAN>tjänstleverantörerna regelbundet förser de behöriga myndigheterna med en uppdaterad bedömning av deras säker<SPAN class="ft216"> </SPAN>hetsrisker och om de åtgärder som de har vidtagit som svar på dessa risker. För att minimera skador för användarna, andra betaltjänstleverantörer eller betalningssystem, exempelvis allvarliga störningar i betalningssyste<SPAN class="ft216"> </SPAN>met, är det viktigt att betaltjänstleverantörerna är skyldiga att rapportera allvarliga säkerhetsincidenter utan onödigt dröjsmål till de behöriga myndigheterna. En samordnande roll bör fastställas för EBA.</P>
<P class="p1266 ft201"><SPAN class="ft203">(92)</SPAN><SPAN class="ft220">Skyldigheten att rapportera säkerhetsincidenter bör inte påverka andra skyldigheter att rapportera incidenter som fastställs i andra unionsrättsakter, och kraven i detta direktiv bör anpassas och stå i proportion till de rappor</SPAN><SPAN class="ft82"> </SPAN>teringsskyldigheter som föreskrivs i annan unionsrätt.</P>
<P class="p1277 ft195">(<SPAN class="ft207">1</SPAN>) Europaparlamentets och rådets direktiv 95/46/EG av den 24 oktober 1995 om skydd för enskilda personer med avseende på behandling av personuppgifter och om det fria flödet av sådana uppgifter (EUT L 281, 23.11.1995, s. 31).</P>
<P class="p1278 ft194">(<SPAN class="ft207">2</SPAN>) Europaparlamentets och rådets förordning (EG) nr 45/2001 av den 18 december 2000 om skydd för enskilda då gemenskaps<SPAN class="ft216"> </SPAN>institutionerna och gemenskapsorganen behandlar personuppgifter och om den fria rörligheten för sådana uppgifter (EGT L 8, 12.1.2001, s. 1).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">405</P>
</DIV>
</DIV>
<DIV id="page_406">
<DIV id="dimg1">
<INGENBILD zsrc="H50377406x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/51</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1236 ft194"><SPAN class="ft203">(93)</SPAN><SPAN class="ft219">Det är nödvändigt att fastställa en tydlig rättslig ram med villkor för när leverantörer av betalningsinitieringstjänster och leverantörer av kontoinformationstjänster ska kunna tillhandahålla sina tjänster med kontoinnehavarens med</SPAN><SPAN class="ft216"> </SPAN>givande utan att den kontoförvaltande betaltjänstleverantören kräver att de ska använda en särskild affärsmodell, baserad på direkt eller indirekt tillträde, för tillhandahållandet av denna typ av tjänster. Leverantörerna av betal<SPAN class="ft216"> </SPAN>ningsinitieringstjänster och leverantörerna av kontoinformationstjänster, å ena sidan, och den kontoförvaltande betaltjänstleverantören, å andra sidan, bör iaktta nödvändiga dataskydds- och säkerhetskrav som fastställs eller som avses i detta direktiv eller som ingår i tekniska standarder för tillsyn. Dessa tekniska standarder för tillsyn bör vara förenliga med de olika tekniska lösningar som är tillgängliga. För att säkerställa säker kommunikation mellan de relevanta aktörerna inom ramen för dessa tjänster bör EBA också specificera kraven för de gemensamma och öppna kommunikationsstandarder som ska genomföras av alla kontoförvaltande betaltjänstleverantörer och som möjliggör tillhandahållandet av betaltjänster online. Detta innebär att dessa öppna standarder bör säkerställa driftskompatibilitet mellan olika tekniska kommunikationslösningar. Dessa gemensamma och öppna standarder bör också säkerställa att de kontoförvaltande betaltjänstleverantörerna är medvetna om att de kontaktas av leverantören av betalningsinitieringstjänster eller leverantören av kontoinformationstjänster och inte av kunden själv. Dessa standarder bör också säkerställa att leverantörer av betalningsinitieringstjänster och leverantörer av kontoinformationstjänster kommunicerar med den kontoförvaltande betaltjänstleverantören och de berörda kun<SPAN class="ft216"> </SPAN>derna på ett säkert sätt. Vid utarbetandet av dessa krav bör EBA ägna särskild uppmärksamhet åt det faktum att de standarder som ska tillämpas ska möjliggöra användning av alla vanliga typer av enheter (så som datorer, tabletter och mobiltelefoner) för genomförande av olika betaltjänster.</P>
<P class="p1247 ft194"><SPAN class="ft203">(94)</SPAN><SPAN class="ft219">Vid utarbetandet av tekniska standarder för tillsyn för autentisering och kommunikation bör EBA systematiskt bedöma och beakta integritetsdimensionen för att identifiera de risker som är förknippade med vart och ett av de tillgängliga tekniska alternativen och de åtgärder som skulle kunna vidtas för att minimera hot mot dataskydd.</SPAN></P>
<P class="p1279 ft194"><SPAN class="ft203">(95)</SPAN><SPAN class="ft219">Säkerhet vid elektroniska betalningar är grundläggande för att säkerställa skydd för användarna och utveckling av en sund miljö för </SPAN><NOBR>e-handel.</NOBR> Alla betaltjänster som tillhandahålls elektroniskt bör genomföras på ett säkert sätt med hjälp av teknik som kan garantera säker autentisering av användaren och i största möjliga mån minska risken för bedrägeri. Det verkar inte finnas något behov av att garantera samma skydd för betalningstransaktioner som initieras och genomförs på andra sätt än via elektroniska plattformar eller elektronisk utrustning, så som pappers<SPAN class="ft216"> </SPAN>baserade betalningstransaktioner samt postorder eller beställningar per telefon. En stabil ökning av internet- och mobilbetalningar bör åtföljas av en generell förstärkning av säkerhetsåtgärder. Betaltjänster som tillhandahålls via internet eller på andra sätt på distans, vilkas funktion inte beror på var den enhet som används för att initiera betalningstransaktionen eller det betalningsinstrument som används är fysiskt belägen eller beläget, bör därför omfatta autentisering av transaktioner genom dynamiska koder, så att användarna alltid känner till beloppet och betalningsmottagaren för den transaktion som de auktoriserar.</P>
<P class="p1280 ft194"><SPAN class="ft203">(96)</SPAN><SPAN class="ft219">Säkerhetsåtgärderna bör vara förenliga med den risknivå som betaltjänsten medför. För att möjliggöra utvecklingen av användarvänliga och tillgängliga betalningsmedel för lågriskbetalningar, såsom låga belopp som kontaktfria betalningar vid försäljningsställe oavsett om de görs från mobiltelefon eller inte, bör undantagen från tillämpningen av säkerhetskrav specificeras i tekniska standarder för tillsyn. För att begränsa riskerna för nätfiske och andra bedrägerier krävs det säker användning av personliga säkerhetsbehörighetsuppgifter. I det sammanhanget bör användarna kunna förlita sig på antagandet av åtgärder som skyddar konfidentialiteten och integriteten när det gäller deras personliga säkerhetsbehörighetsuppgifter. Dessa åtgärder omfattar vanligtvis krypteringssystem som bygger på betalarens personliga anordningar, inbegripet kortläsare eller mobiltelefoner, eller som den kontoför</SPAN><SPAN class="ft216"> </SPAN>valtande betaltjänstleverantören tillhandahåller betalaren via en annan kanal, till exempel sms eller <NOBR>e-post.</NOBR> Åtgär<SPAN class="ft216"> </SPAN>derna, som vanligen omfattar krypteringssystem och som kan resultera i autentiseringskoder, såsom engångslöse<SPAN class="ft216"> </SPAN>nord, kan öka betalningstransaktionernas säkerhet. Betaltjänstanvändares användning av sådana autentiseringskoder bör anses vara förenlig med deras skyldigheter när det gäller betalningsinstrument och personliga säkerhetsbehö<SPAN class="ft216"> </SPAN>righetsuppgifter även när leverantörer av betalningsinitieringstjänster eller leverantörer av kontoinformationstjänster deltar.</P>
<P class="p1281 ft201"><SPAN class="ft203">(97)</SPAN><SPAN class="ft220">Medlemsstaterna bör avgöra om de behöriga myndigheter som utses för att auktorisera betalningsinstitut också kan vara behöriga myndigheter i samband med förfaranden för alternativ tvistlösning.</SPAN></P>
<P class="p1282 ft194"><SPAN class="ft203">(98)</SPAN><SPAN class="ft219">Medlemsstaterna bör, utan att det påverkar kundernas rätt att väcka talan inför domstol, se till att det vid tvister mellan betaltjänstleverantörer och betaltjänstanvändare om de rättigheter och skyldigheter som föreskrivs i detta direktiv finns lättillgänglig, lämplig, oberoende, opartisk, öppen och effektiv alternativ tvistlösning. Genom</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">406</P>
</DIV>
</DIV>
<DIV id="page_407">
<DIV id="dimg1">
<INGENBILD zsrc="H50377407x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/52</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1226 ft194">Europaparlamentets och rådets förordning (EG) nr 593/2008 (<SPAN class="ft222">1</SPAN>) fastställs att det skydd som tillförsäkras kon<SPAN class="ft216"> </SPAN>sumenten enligt tvingande lagregler i det land där denne har sin hemvist inte får undergrävas genom avtals<SPAN class="ft216"> </SPAN>bestämmelser om tillämplig lag för avtalet. För att ett effektivt och ändamålsenligt tvistlösningsförfarande ska kunna inrättas bör medlemsstaterna se till att betaltjänstleverantörerna inför ett effektivt klagomålsförfarande som betaltjänstanvändarna kan följa innan tvisten hänskjuts för lösning genom alternativ tvistlösning. Klagomålsför<SPAN class="ft216"> </SPAN>farandet bör ha korta och tydligt angivna tidsfrister för betaltjänstleverantörens besvarande av klagomål. Medlems<SPAN class="ft216"> </SPAN>staterna bör säkerställa att alternativa tvistlösningsorgan har tillräcklig kapacitet för att på ett lämpligt och effektivt sätt delta i ett sådant gränsöverskridande samarbete med avseende på tvister som rör rättigheter och skyldigheter enligt detta direktiv.</P>
<P class="p1283 ft194"><SPAN class="ft203">(99)</SPAN><SPAN class="ft219">Det är nödvändigt att se till att de bestämmelser i nationell lag som antas enligt detta direktiv genomförs effektivt. Därför bör lämpliga förfaranden inrättas så att klagomål kan resas mot betaltjänstleverantörer som inte iakttar bestämmelserna och så att det kan säkerställas att lämpliga, effektiva, proportionella och avskräckande sanktioner vid behov kan påföras. För att säkerställa en effektiv efterlevnad av detta direktiv bör medlemsstaterna utse behöriga myndigheter som uppfyller villkoren som föreskrivs i förordning (EU) nr 1093/2010 och är självständiga</SPAN></P>
<P class="p1271 ft201"><SPAN class="ft194">i</SPAN><SPAN class="ft225">förhållande till betaltjänstleverantörerna. Av insynsskäl bör medlemsstaterna informera kommissionen om vilka myndigheter de har utsett, med en tydlig beskrivning av deras ansvarsuppgifter enligt detta direktiv.</SPAN></P>
<P class="p1218 ft196"><SPAN class="ft203">(100)</SPAN><SPAN class="ft226">Medlemsstaterna bör även, utan att det påverkar rätten att väcka talan inför domstol för att säkerställa att detta direktiv uppfylls, se till att behöriga myndigheter ges de befogenheter som krävs, däribland befogenheten att påföra sanktioner, om en betaltjänstleverantör inte följer de rättigheter och skyldigheter som föreskrivs i detta direktiv, i synnerhet om det föreligger risk för att återfall i brottslighet eller andra farhågor som rör kollektiva konsument</SPAN><SPAN class="ft213"> </SPAN>intressen.</P>
<P class="p1234 ft201"><SPAN class="ft203">(101)</SPAN><SPAN class="ft227">Det är viktigt att konsumenterna får klar och lättbegriplig information om sina rättigheter och skyldigheter enligt detta direktiv. Kommissionen bör därför framställa en broschyr om dessa rättigheter och skyldigheter.</SPAN></P>
<P class="p1284 ft201"><SPAN class="ft203">(102)</SPAN><SPAN class="ft227">Detta direktiv påverkar inte bestämmelser i nationell rätt om ansvar för felaktiga formuleringar i eller brister i överföring av meddelanden.</SPAN></P>
<P class="p1285 ft201"><SPAN class="ft203">(103)</SPAN><SPAN class="ft227">Det här direktivet bör inte påverka bestämmelserna om mervärdesskattebehandling av betaltjänster i rådets direktiv 2006/112/EG (</SPAN><SPAN class="ft202">2</SPAN>).</P>
<P class="p1286 ft206"><SPAN class="ft203">(104)</SPAN><SPAN class="ft228">När det i detta direktiv hänvisas till belopp i euro bör dessa belopp anses vara motvärdet uttryckt i nationell valuta</SPAN></P>
<P class="p1287 ft201"><SPAN class="ft194">i</SPAN><SPAN class="ft225">enlighet med vad som fastställs av varje medlemsstat som inte har euron som valuta.</SPAN></P>
<P class="p1288 ft196"><SPAN class="ft203">(105)</SPAN><SPAN class="ft226">Med hänsyn till rättssäkerheten bör övergångsbestämmelser införas, så att personer under en fastställd tid kan fortsätta att bedriva en sådan verksamhet som betalningsinstitut i den berörda medlemsstaten som de inlett i enlighet med gällande nationell rätt redan innan direktiv 2007/64/EG trädde i kraft.</SPAN></P>
<P class="p1289 ft194"><SPAN class="ft203">(106)</SPAN><SPAN class="ft229">Befogenheten att anta akter i enlighet med artikel 290 i fördraget om Europeiska unionens funktionssätt bör delegeras till kommissionen med avseende på en anpassning av hänvisningen i rekommendation 2003/361/EG, om rekommendationen ändras och uppdateras, av den genomsnittsvolymen på betalningstransaktioner som betaltjänst</SPAN><SPAN class="ft216"> </SPAN>leverantörer genomför och som används som en tröskel för de medlemstater som utnyttjar möjligheten att göra undantag från (delar) av kraven på auktorisation för mindre betalningsinstitut för att ta hänsyn till inflationen. Det är av särskild betydelse att kommissionen genomför lämpliga samråd under sitt förberedande arbete, inklusive på expertnivå. När kommissionen förbereder och utarbetar delegerade akter bör den se till att relevanta handlingar översänds samtidigt till Europaparlamentet och rådet och att detta sker så snabbt som möjligt och på lämpligt sätt.</P>
<P class="p1290 ft208">(<SPAN class="ft207">1</SPAN>) Europaparlamentets och rådets förordning (EG) nr 593/2008 av den 17 juni 2008 om tillämplig lag för avtalsförpliktelser (Rom I) (EUT L 177, 4.7.2008, s. 6).</P>
<P class="p1291 ft194">(<SPAN class="ft207">2</SPAN>) Rådets direktiv 2006/112/EG av den 28 november 2006 om ett gemensamt system för mervärdesskatt (EUT L 347, 11.12.2006, s. 1).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">407</P>
</DIV>
</DIV>
<DIV id="page_408">
<DIV id="dimg1">
<INGENBILD zsrc="H50377408x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/53</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1236 ft194"><SPAN class="ft203">(107)</SPAN><SPAN class="ft229">För att säkerställa en enhetlig tillämpning av detta direktiv bör kommissionen kunna förlita sig på EBA:s sakkun</SPAN><SPAN class="ft216"> </SPAN>skap och stöd, och EBA bör få uppgiften att utarbeta riktlinjer och utforma förslag till tekniska standarder för tillsyn för betaltjänsters säkerhetsaspekter, särskilt när det gäller stark kundautentisering, och för medlemsstaternas samarbete kring tillhandahållande av tjänster och inrättande av auktoriserade betalningsinstitut i andra medlems<SPAN class="ft216"> </SPAN>stater. Kommissionen bör ges befogenhet att anta detta förslag till tekniska standarder för tillsyn. Dessa särskilda uppgifter är helt förenliga med EBA:s funktion och ansvar i enlighet med förordning (EU) nr 1093/2010.</P>
<P class="p1292 ft196"><SPAN class="ft203">(108)</SPAN><SPAN class="ft226">Vid utarbetande av riktlinjer, förslag till tekniska standarder för tillsyn och förslag till tekniska standarder för genomförande enligt detta direktiv, och i enlighet med förordning (EU) nr 1093/2010, bör EBA se till att samråda med alla relevanta intressenter, även de på marknaden för betaltjänster, så att alla berörda intressen återspeglas. För att få en korrekt avvägning mellan synpunkterna bör EBA vid behov göra särskilda ansträngningar för att få in synpunkter från andra berörda aktörer än banker.</SPAN></P>
<P class="p1293 ft194"><SPAN class="ft203">(109)</SPAN><SPAN class="ft229">Eftersom målet för detta direktiv, nämligen en ytterligare integrering av en inre marknad för betaltjänster, inte i tillräcklig utsträckning kan uppnås av medlemsstaterna, eftersom det krävs en harmonisering av ett stort antal skilda regler i de olika medlemsstaternas rättssystem, utan snarare, på grund av dess omfattning och verkningar, kan uppnås bättre på unionsnivå, kan unionen vidta åtgärder i enlighet med subsidiaritetsprincipen i artikel 5 i fördraget om Europeiska unionen. I enlighet med proportionalitetsprincipen i samma artikel går detta direktiv inte utöver vad som är nödvändigt för att uppnå detta mål.</SPAN></P>
<P class="p1281 ft196"><SPAN class="ft203">(110)</SPAN><SPAN class="ft226">I enlighet med den gemensamma politiska förklaringen av den 28 september 2011 från medlemsstaterna och kommissionen om förklarande dokument (</SPAN><SPAN class="ft202">1</SPAN>) har medlemsstaterna åtagit sig att i berättigade fall låta anmälan av införlivandeåtgärder åtföljas av ett eller flera dokument som förklarar förhållandet mellan de olika delarna i direktivet och motsvarande delar i de nationella införlivandeinstrumenten. Med avseende på detta direktiv anser lagstiftaren att översändandet av sådana dokument är motiverat.</P>
<P class="p1294 ft201"><SPAN class="ft203">(111)</SPAN><SPAN class="ft227">Europeiska datatillsynsmannen har hörts i enlighet med artikel 28.2 i förordning (EG) nr 45/2001 och avgav ett yttrande den 5 december 2013 (</SPAN><SPAN class="ft202">2</SPAN>).</P>
<P class="p1295 ft201"><SPAN class="ft203">(112)</SPAN><SPAN class="ft227">Direktiv 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 bör därför ändras i enlighet med detta.</SPAN></P>
<P class="p1295 ft201"><SPAN class="ft203">(113)</SPAN><SPAN class="ft227">Mot bakgrund av antalet ändringar som måste göras i direktiv 2007/64/EG är det lämpligt att direktivet upphävs och ersätts.</SPAN></P>
<P class="p1296 ft194">HÄRIGENOM FÖRESKRIVS FÖLJANDE.</P>
<P class="p1297 ft194">AVDELNING I</P>
<P class="p1298 ft200">SYFTE, TILLÄMPNINGSOMRÅDE OCH DEFINITIONER</P>
<P class="p1299 ft223">Artikel 1</P>
<P class="p1300 ft230">Syfte</P>
<P class="p1301 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">I detta direktiv fastställs hur medlemsstaterna ska skilja mellan följande kategorier av betaltjänstleverantörer:</SPAN></P>
<P class="p1302 ft194">(<SPAN class="ft207">1</SPAN>) EUT C 369, 17.12.2011, s. 14. (<SPAN class="ft207">2</SPAN>) EUT C 38, 8.2.2014, s. 14.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">408</P>
</DIV>
</DIV>
<DIV id="page_409">
<DIV id="dimg1">
<INGENBILD zsrc="H50377409x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/54</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1303 ft196"><SPAN class="ft203">a)</SPAN><SPAN class="ft232">Kreditinstitut enligt definitionen i artikel 4.1.1 i Europaparlamentets och rådets förordning (EU) nr 575/2013 (</SPAN><SPAN class="ft202">1</SPAN>), inbegripet filialer till dessa enligt definitionen i artikel 4.1.17 i den förordningen, när dessa filialer är belägna inom unionen, antingen huvudkontoret för de filialerna är belägna inom unionen eller, i enlighet med artikel 47 i direktiv 2013/36/EU och med nationell rätt, utanför unionen.</P>
<P class="p1304 ft196"><SPAN class="ft194">b)</SPAN><SPAN class="ft233">Institut för elektroniska pengar enligt definitionen i artikel 2.1 i direktiv 2009/110/EG, inbegripet, i enlighet med artikel 8 i det direktivet och med nationell rätt, filialer till dessa när dessa filialer är belägna inom unionen och deras huvudkontor är belägna utanför unionen, i den mån de betaltjänster som tillhandahålls av dessa filialer är knutna till utgivning av elektroniska pengar.</SPAN></P>
<P class="p1286 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">Postgiroinstitut som enligt nationell rätt har rätt att tillhandahålla betaltjänster.</SPAN></P>
<P class="p1305 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft235">Betalningsinstitut.</SPAN></P>
<P class="p1306 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft234">ECB och nationella centralbanker, när de inte agerar i egenskap av monetär myndighet eller andra offentliga myn</SPAN><SPAN class="ft82"> </SPAN>digheter.</P>
<P class="p1307 ft201"><SPAN class="ft201">f)</SPAN><SPAN class="ft227">Medlemsstaterna eller deras regionala eller lokala myndigheter, när de inte agerar i egenskap av offentliga myndigheter.</SPAN></P>
<P class="p1308 ft201">2. I detta direktiv fastställs även bestämmelser om</P>
<P class="p1286 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">klara villkor och informationskrav för betaltjänster, och</SPAN></P>
<P class="p1306 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">betaltjänstanvändares och betaltjänstleverantörers respektive rättigheter och skyldigheter vid tillhandahållande av betal</SPAN><SPAN class="ft82"> </SPAN>tjänster som regelbunden sysselsättning eller affärsverksamhet.</P>
<P class="p1309 ft223">Artikel 2</P>
<P class="p1310 ft230">Tillämpningsområde</P>
<P class="p1311 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Detta direktiv är tillämpligt på betaltjänster som tillhandahålls inom unionen.</SPAN></P>
<P class="p1312 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Avdelningarna III och IV är tillämpliga på betalningstransaktioner i en medlemsstats valuta om såväl betalarens som betalningsmottagarens betaltjänstleverantör, eller den ende betaltjänstleverantören i en betalningstransaktion, är etable</SPAN><SPAN class="ft213"> </SPAN>rad(e) i unionen.</P>
<P class="p1313 ft194"><SPAN class="ft194">3.</SPAN><SPAN class="ft237">Avdelning III, med undantag för artiklarna 45.1 b, 52.2 e och 56 a och avdelning IV, med undantag för artiklarna </SPAN><NOBR>81–86,</NOBR> med avseende på de delar av betalningstransaktionen som genomförs i unionen är tillämpliga på betalnings<SPAN class="ft216"> </SPAN>transaktioner i en valuta som inte är valuta i en medlemsstat om såväl betalarens som betalningsmottagarens betaltjänst<SPAN class="ft216"> </SPAN>leverantör, eller den ende betaltjänstleverantören i en betalningstransaktion, är etablerad(e) inom unionen.</P>
<P class="p1313 ft194"><SPAN class="ft194">4.</SPAN><SPAN class="ft237">Avdelning III, med undantag för artiklarna 45.1 b, 52.2 e, 52.5 g, och 56 a och avdelning IV, med undantag för artiklarna 62.2, 62.4, 76, 77, 81, 83.1, 89 och 92, med avseende på de delar av betalningstransaktionen som genomförs</SPAN></P>
<P class="p1314 ft201"><SPAN class="ft194">i</SPAN><SPAN class="ft238">unionen är tillämpliga på betalningstransaktioner i alla valutor om endast en av betaltjänstleverantörerna är etablerad i unionen.</SPAN></P>
<P class="p1315 ft201"><SPAN class="ft201">5.</SPAN><SPAN class="ft231">Medlemsstaterna får undanta de institut som avses i artikel 2.5.4</SPAN><SPAN class="ft82">‒</SPAN>2.5.23 i direktiv 2013/36/EU från tillämpningen av alla eller vissa bestämmelser i det här direktivet.</P>
<P class="p1290 ft194">(<SPAN class="ft207">1</SPAN>) Europaparlamentets och rådets förordning (EU) nr 575/2013 av den 26 juni 2013 om tillsynskrav för kreditinstitut och värdepap<SPAN class="ft216"> </SPAN>persföretag och om ändring av förordning (EU) nr 648/2012 (EUT L 176, 27.6.2013, s. 1).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">409</P>
</DIV>
</DIV>
<DIV id="page_410">
<DIV id="dimg1">
<INGENBILD zsrc="H50377410x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr38 td150"><P class="p21 ft194">23.12.2015</P></TD>
<TD class="tr38 td139"><P class="p148 ft194">SV</P></TD>
<TD class="tr38 td267"><P class="p1316 ft194">Europeiska unionens officiella tidning</P></TD>
<TD class="tr38 td74"><P class="p3 ft194">L 337/55</P></TD>
</TR>
<TR>
<TD class="tr34 td150"><P class="p3 ft46"> </P></TD>
<TD class="tr34 td139"><P class="p3 ft46"> </P></TD>
<TD class="tr34 td267"><P class="p1316 ft215">Artikel 3</P></TD>
<TD class="tr34 td74"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p1317 ft230">Undantag</P>
<P class="p1318 ft201">Detta direktiv är inte tillämpligt på följande:</P>
<P class="p1319 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft239">Betalningstransaktioner direkt från betalaren till betalningsmottagaren vilka uteslutande verkställs kontant utan med</SPAN><SPAN class="ft82"> </SPAN>verkan av mellanhand.</P>
<P class="p1320 ft196"><SPAN class="ft194">b)</SPAN><SPAN class="ft226">Betalningstransaktioner från betalaren till betalningsmottagaren genom en handelsagent som genom ett avtal aukto</SPAN><SPAN class="ft213"> </SPAN>riserats att förhandla om eller slutföra försäljning eller köp av varor eller tjänster på endast betalarens eller endast betalningsmottagarens vägnar.</P>
<P class="p1321 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft239">Yrkesmässig fysisk transport av sedlar och mynt, inbegripet insamling, hantering och leverans av dessa.</SPAN></P>
<P class="p1319 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft227">Betalningstransaktioner som består av ej yrkesmässig insamling och leverans av kontanter inom ramen för ideell verksamhet eller välgörenhet.</SPAN></P>
<P class="p1322 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft239">Tjänster som innebär att betalningsmottagaren förser betalaren med kontanter som en del av en betalningstransaktion efter uttrycklig begäran av betaltjänstanvändaren omedelbart före genomförandet av betalningstransaktionen avseende betalning för inköp av varor eller tjänster.</SPAN></P>
<P class="p1323 ft201"><SPAN class="ft201">f)</SPAN><SPAN class="ft240">Valutaväxling genom utbyte av kontanter, om medlen inte innehas på ett betalkonto.</SPAN></P>
<P class="p1319 ft201"><SPAN class="ft203">g)</SPAN><SPAN class="ft239">Betalningstransaktioner baserade på följande handlingar, dragna på betaltjänstleverantören för att ställa medel till betalningsmottagarens förfogande:</SPAN></P>
<P class="p1324 ft201"><SPAN class="ft203">i)</SPAN><SPAN class="ft235">Papperscheckar som regleras av Genèvekonventionen av den 19 mars 1931 om gemensam checklag.</SPAN></P>
<P class="p1325 ft201"><SPAN class="ft203">ii)</SPAN><SPAN class="ft235">Papperscheckar som liknar dem som avses i led i och som regleras av lagstiftningen i de medlemsstater som inte är parter i Genèvekonventionen av den 19 mars 1931 om enhetlig checklag.</SPAN></P>
<P class="p1326 ft201"><SPAN class="ft203">iii)</SPAN><SPAN class="ft235">Dragna pappersväxlar enligt Genèvekonventionen av den 7 juni 1930 om enhetlig lagstiftning för växlar och skuldebrev.</SPAN></P>
<P class="p1327 ft194"><SPAN class="ft203">iv)</SPAN><SPAN class="ft241">Dragna pappersväxlar som liknar dem som avses i led iii och som regleras av lagstiftningen i de medlemsstater som inte är parter i Genèvekonventionen av den 7 juni 1930 om enhetlig lagstiftning för växlar och skuldebrev.</SPAN></P>
<P class="p1328 ft201"><SPAN class="ft203">v)</SPAN><SPAN class="ft235">Pappersbaserade kuponger.</SPAN></P>
<P class="p1329 ft201"><SPAN class="ft203">vi)</SPAN><SPAN class="ft235">Pappersbaserade resecheckar.</SPAN></P>
<P class="p1330 ft201"><SPAN class="ft203">vii)</SPAN><SPAN class="ft235">Pappersbaserade postanvisningar enligt Världspostunionens definition.</SPAN></P>
<P class="p1319 ft201"><SPAN class="ft194">h)</SPAN><SPAN class="ft227">Betalningstransaktioner som genomförs inom ett system för avveckling av betalningar eller värdepapper mellan avvecklingsagenter, centrala motparter, clearingorganisationer och/eller centralbanker och andra deltagare i systemet, samt betaltjänstleverantörer, utan att detta påverkar tillämpningen av artikel 35.</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">410</P>
</DIV>
</DIV>
<DIV id="page_411">
<DIV id="dimg1">
<INGENBILD zsrc="H50377411x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/56</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1331 ft196"><SPAN class="ft194">i)</SPAN><SPAN class="ft242">Betalningstransaktioner som avser förvaltning av värdepapper, inbegripet utdelningar, inkomst eller annan fördelning, eller inlösen eller försäljning, vilka genomförs av de personer som avses i led h eller av värdepappersföretag, kredit</SPAN><SPAN class="ft213"> </SPAN>institut, fondbolag eller kapitalförvaltningsbolag som tillhandahåller investeringstjänster samt andra enheter som har tillstånd att förvara finansiella instrument.</P>
<P class="p1332 ft194"><SPAN class="ft203">j)</SPAN><SPAN class="ft243">Tjänster som tillhandahålls av leverantörer av tekniska tjänster som stöder tillhandahållandet av betaltjänster, utan att de vid någon tidpunkt kommer i besittning av de medel som ska överföras, inklusive behandling och lagring av uppgifter, förtroendeskapande tjänster och integritetsskydd, autentisering av uppgifter och enheter, tillhandahållande av nät för informationsteknik (IT) och kommunikationsnät samt tillhandahållande och underhåll av terminaler och utrustning för betaltjänster, med undantag för tjänster för betalningsinitiering och kontoinformationstjänster.</SPAN></P>
<P class="p1333 ft201"><SPAN class="ft194">k)</SPAN><SPAN class="ft227">Tjänster som baseras på särskilda betalningsinstrument som endast kan användas i begränsad omfattning och som ingår i en av följande kategorier:</SPAN></P>
<P class="p1334 ft194"><SPAN class="ft194">i)</SPAN><SPAN class="ft244">Instrument som gör det möjligt för innehavaren att förvärva varor eller tjänster endast i utgivarens lokaler eller inom ett begränsat nätverk av tjänsteleverantörer enligt ett direkt kommersiellt avtal med en professionell utgivare.</SPAN></P>
<P class="p1335 ft201"><SPAN class="ft194">ii)</SPAN><SPAN class="ft225">Instrument som endast kan användas för att förvärva ett mycket begränsat urval varor eller tjänster.</SPAN></P>
<P class="p1336 ft194"><SPAN class="ft203">iii)</SPAN><SPAN class="ft244">Instrument som endast är giltiga i en enda medlemsstat, som tillhandahålls på begäran av ett företag eller ett offentligt organ och som regleras av en nationell eller regional myndighet av särskilda sociala eller skattemässiga skäl för att förvärva särskilda varor eller tjänster från leverantörer som har ett kommersiellt avtal med utgivaren.</SPAN></P>
<P class="p1332 ft194"><SPAN class="ft194">l)</SPAN><SPAN class="ft243">Betalningstransaktioner från en leverantör av elektroniska kommunikationsnät eller kommunikationstjänster som utöver elektroniska kommunikationstjänster tillhandahålls för den som abonnerar på nätverket eller tjänsten</SPAN></P>
<P class="p1337 ft201"><SPAN class="ft194">i)</SPAN><SPAN class="ft225">för inköp av digitalt innehåll och röstbaserade tjänster, oavsett vilken anordning som används för inköp eller konsumtion av det digitala innehållet och som faktureras på den dithörande fakturan, eller</SPAN></P>
<P class="p1338 ft201"><SPAN class="ft194">ii)</SPAN><SPAN class="ft225">som genomförs från eller via elektronisk utrustning och som faktureras på den dithörande fakturan inom ramen för välgörenhet eller för inköp av biljetter,</SPAN></P>
<P class="p1339 ft201">förutsatt att värdet på den enskilda betalningstransaktion som avses i leden i och ii inte överstiger 50 EUR och där</P>
<P class="p1340 ft201"><SPAN class="ft201">—</SPAN><SPAN class="ft225">betalningstransaktionernas sammanlagda värde för en abonnent inte överstiger 300 EUR per månad eller</SPAN></P>
<P class="p1341 ft196"><SPAN class="ft196">—</SPAN><SPAN class="ft245">betalningstransaktionernas sammanlagda värde inte överstiger 300 EUR under en månad om en abonnent betalar in pengar i förskott på sitt konto hos leverantören av elektroniska kommunikationsnät eller kommunikations</SPAN><SPAN class="ft213"> </SPAN>tjänster.</P>
<P class="p1307 ft201"><SPAN class="ft201">m)</SPAN><SPAN class="ft225">Betalningstransaktioner för egen räkning som genomförs mellan betaltjänstleverantörer, deras ombud eller filialer.</SPAN></P>
<P class="p1342 ft201"><SPAN class="ft194">n)</SPAN><SPAN class="ft227">Betalningstransaktioner och tillhörande tjänster mellan ett moderföretag och dess dotterföretag eller mellan dotter</SPAN><SPAN class="ft82"> </SPAN>företag inom ett och samma moderföretag, utan medverkan av någon annan betaltjänstleverantör än ett företag inom koncernen.</P>
<P class="p1343 ft196"><SPAN class="ft194">o)</SPAN><SPAN class="ft226">Uttag av kontanter med hjälp av uttagsautomater som tillhandahålls av leverantörer som agerar för en eller flera kortutgivare som inte är part(er) i ramavtalet med den kund som tar ut pengar från ett betalkonto, under förutsätt</SPAN><SPAN class="ft213"> </SPAN>ning att dessa leverantörer inte tillhandahåller andra betaltjänster som avses i bilaga I. Kunden ska dock informeras om eventuella uttagsavgifter enligt artiklarna 45, 48, 49 och 59 innan uttaget görs samt vid mottagandet av kontanter i slutet av transaktionen efter uttaget.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">411</P>
</DIV>
</DIV>
<DIV id="page_412">
<DIV id="dimg1">
<INGENBILD zsrc="H50377412x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr38 td150"><P class="p21 ft194">23.12.2015</P></TD>
<TD class="tr38 td139"><P class="p148 ft194">SV</P></TD>
<TD class="tr38 td267"><P class="p1316 ft194">Europeiska unionens officiella tidning</P></TD>
<TD class="tr38 td74"><P class="p3 ft194">L 337/57</P></TD>
</TR>
<TR>
<TD class="tr34 td150"><P class="p3 ft46"> </P></TD>
<TD class="tr34 td139"><P class="p3 ft46"> </P></TD>
<TD class="tr34 td267"><P class="p1316 ft215">Artikel 4</P></TD>
<TD class="tr34 td74"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p1344 ft230">Definitioner</P>
<P class="p1318 ft201">I detta direktiv gäller följande definitioner:</P>
<P class="p1345 ft223"><SPAN class="ft194">1.</SPAN><SPAN class="ft246">hemmedlemsstat</SPAN><SPAN class="ft201">:</SPAN></P>
<P class="p1346 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">den medlemsstat där betaltjänstleverantörens säte är beläget, eller</SPAN></P>
<P class="p1347 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">om betaltjänstleverantören enligt nationell rätt saknar säte, den medlemsstat där dess huvudkontor är beläget.</SPAN></P>
<P class="p1348 ft201"><SPAN class="ft194">2.</SPAN><SPAN class="ft246">värdmedlemsstat</SPAN>: en annan medlemsstat än hemmedlemsstaten där en betaltjänstleverantör har ett ombud eller en filial eller tillhandahåller betaltjänster.</P>
<P class="p1349 ft201"><SPAN class="ft194">3.</SPAN><SPAN class="ft246">betaltjänst</SPAN>: en eller flera av de affärsverksamheter som anges i bilaga I.</P>
<P class="p1350 ft201"><SPAN class="ft194">4.</SPAN><SPAN class="ft246">betalningsinstitut</SPAN>: en juridisk person som i enlighet med artikel 11 har auktoriserats att tillhandahålla och genomföra betaltjänster inom unionen.</P>
<P class="p1351 ft196"><SPAN class="ft194">5.</SPAN><SPAN class="ft246">betalningstransaktion</SPAN>: en åtgärd som initieras av betalaren eller av betalningsmottagaren på dennes vägnar vid place<SPAN class="ft213"> </SPAN>ring, överföring eller uttag av medel, oberoende av eventuella underliggande förpliktelser mellan betalaren och betalningsmottagaren.</P>
<P class="p1350 ft201"><SPAN class="ft194">6.</SPAN><SPAN class="ft246">betalningstransaktion på distans</SPAN>: en betalningstransaktion som initieras via internet eller genom en anordning som kan användas för distanskommunikation.</P>
<P class="p1352 ft201"><SPAN class="ft194">7.</SPAN><SPAN class="ft246">betalningssystem</SPAN>: ett system för överföring av medel med formella och standardiserade rutiner och gemensamma regler för behandling, clearing och/eller avveckling av betalningstransaktioner.</P>
<P class="p1353 ft194"><SPAN class="ft194">8.</SPAN><SPAN class="ft247">betalare</SPAN>: en fysisk eller juridisk person som är betalkontoinnehavare och som godkänner en betalningsorder från detta betalkonto eller, om det inte finns något betalkonto, en fysisk eller juridisk person som lämnar en betalningsorder.</P>
<P class="p1354 ft201"><SPAN class="ft194">9.</SPAN><SPAN class="ft246">betalningsmottagare</SPAN>: en fysisk eller juridisk person som är den avsedda mottagaren av medel som har omfattats av en betalningstransaktion.</P>
<P class="p1355 ft201"><SPAN class="ft194">10.</SPAN><SPAN class="ft246">betaltjänstanvändare</SPAN>: en fysisk eller en juridisk person som utnyttjar en betaltjänst i egenskap av betalare, betalnings<SPAN class="ft82"> </SPAN>mottagare eller båda.</P>
<P class="p1356 ft201"><SPAN class="ft194">11.</SPAN><SPAN class="ft246">betaltjänstleverantör</SPAN>: ett organ som avses i artikel 1.1 eller en fysisk eller juridisk person som omfattas av ett undantag enligt artiklarna 32 eller 33.</P>
<P class="p1356 ft201"><SPAN class="ft194">12.</SPAN><SPAN class="ft246">betalkonto</SPAN>: ett konto i en eller flera betaltjänstanvändares namn för användning vid genomförandet av betalnings<SPAN class="ft82"> </SPAN>transaktioner.</P>
<P class="p1355 ft201"><SPAN class="ft194">13.</SPAN><SPAN class="ft246">betalningsorder</SPAN>: en instruktion som en betalare eller betalningsmottagare ger sin betaltjänstleverantör om att en betalningstransaktion ska genomföras.</P>
<P class="p1356 ft201"><SPAN class="ft194">14.</SPAN><SPAN class="ft246">betalningsinstrument</SPAN>: en personlig(a) anordning(ar) och/eller rutiner som betaltjänstanvändaren och betaltjänstleveran<SPAN class="ft82"> </SPAN>tören har träffat avtal om och som används för att initiera en betalningsorder.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">412</P>
</DIV>
</DIV>
<DIV id="page_413">
<DIV id="dimg1">
<INGENBILD zsrc="H50377413x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/58</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1357 ft201"><SPAN class="ft201">15.</SPAN><SPAN class="ft248">betalningsinitieringstjänst</SPAN>: en tjänst för att initiera en betalningsorder på begäran av betaltjänstanvändaren med av<SPAN class="ft82"> </SPAN>seende på ett betalkonto hos en annan betaltjänstleverantör.</P>
<P class="p1357 ft201"><SPAN class="ft201">16.</SPAN><SPAN class="ft248">kontoinformationstjänst</SPAN>: en onlinetjänst för att tillhandahålla sammanställd information om ett eller flera betalkonton som betaltjänstanvändaren innehar hos antingen en annan betaltjänstleverantör eller hos fler än en betaltjänstleve<SPAN class="ft82"> </SPAN>rantör.</P>
<P class="p1358 ft201"><SPAN class="ft201">17.</SPAN><SPAN class="ft248">kontoförvaltande betaltjänstleverantör</SPAN>: en betaltjänstleverantör som tillhandahåller och förvaltar ett betalkonto för en betalare.</P>
<P class="p1357 ft201"><SPAN class="ft201">18.</SPAN><SPAN class="ft248">leverantör av betalningsinitieringstjänster</SPAN>: en betaltjänstleverantör som bedriver affärsverksamhet som avses i punkt 7 i bilaga I.</P>
<P class="p1357 ft201"><SPAN class="ft201">19.</SPAN><SPAN class="ft248">leverantör av kontoinformationstjänster</SPAN>: en betaltjänstleverantör som bedriver affärsverksamhet som avses i punkt 8 i bilaga I.</P>
<P class="p1359 ft201"><SPAN class="ft201">20.</SPAN><SPAN class="ft248">konsument</SPAN>: en fysisk person som enligt de betaltjänstavtal som omfattas av detta direktiv agerar för ändamål som ligger utanför hans eller hennes närings- eller yrkesverksamheten.</P>
<P class="p1357 ft201"><SPAN class="ft201">21.</SPAN><SPAN class="ft248">ramavtal</SPAN>: ett betaltjänstavtal som reglerar det kommande genomförandet av enskilda och successiva betalningstrans<SPAN class="ft82"> </SPAN>aktioner och som kan innehålla skyldigheter och villkor för att öppna ett betalkonto.</P>
<P class="p1360 ft196"><SPAN class="ft196">22.</SPAN><SPAN class="ft248">penningöverföring</SPAN>: en betaltjänst där medel tas emot från en betalare, utan att något betalkonto öppnas i betalarens eller betalningsmottagarens namn, uteslutande i syfte att överföra motsvarande belopp till en betalningsmottagare eller en annan betaltjänstleverantör som agerar på betalningsmottagarens vägnar, och/eller där dessa medel tas emot på betalningsmottagarens vägnar och ställs till dennes förfogande.</P>
<P class="p1361 ft201"><SPAN class="ft201">23.</SPAN><SPAN class="ft248">autogiro</SPAN>: en betaltjänst för debitering av en betalares betalkonto, där en betalningstransaktion initieras av betalnings<SPAN class="ft82"> </SPAN>mottagaren på grundval av betalarens medgivande till betalningsmottagaren, betalningsmottagarens betaltjänstleve<SPAN class="ft82"> </SPAN>rantör eller betalarens egen betaltjänstleverantör.</P>
<P class="p1362 ft196"><SPAN class="ft196">24.</SPAN><SPAN class="ft248">betalning</SPAN>: en betaltjänst för kreditering av en betalningsmottagares betalkonto med en betalningstransaktion eller en rad betalningstransaktioner från en betalares betalkonto, som utförs av en betaltjänstleverantör som har tillgång till betalarens betalkonto på grundval av en instruktion som lämnats av betalaren.</P>
<P class="p1361 ft201"><SPAN class="ft201">25.</SPAN><SPAN class="ft248">medel</SPAN>: sedlar och mynt, kontotillgodohavanden eller elektroniska pengar enligt definitionen i artikel 2.2 i direktiv 2009/110/EG.</P>
<P class="p1357 ft201"><SPAN class="ft201">26.</SPAN><SPAN class="ft248">valuteringsdag</SPAN>: den referenstidpunkt som en betaltjänstleverantör använder för beräkningen av räntan på de medel som debiterats eller krediterats ett betalkonto.</P>
<P class="p1359 ft201"><SPAN class="ft201">27.</SPAN><SPAN class="ft248">referensväxelkurs</SPAN>: den växelkurs som ligger till grund för beräkningen av eventuell valutaväxling och som betaltjänst<SPAN class="ft82"> </SPAN>leverantören tillhandahåller eller som härrör från en offentligt tillgänglig källa.</P>
<P class="p1357 ft201"><SPAN class="ft201">28.</SPAN><SPAN class="ft248">referensräntesats</SPAN>: en räntesats som ligger till grund för beräkningen av eventuell tillämplig ränta och som härrör från en offentligt tillgänglig källa som kan kontrolleras av båda parterna i ett betaltjänstavtal.</P>
<P class="p1357 ft201"><SPAN class="ft201">29.</SPAN><SPAN class="ft248">autentisering</SPAN>: ett förfarande genom vilket en betaltjänstleverantör kan kontrollera en betaltjänstanvändares identitet eller giltighet när det gäller användningen av ett specifikt betalningsinstrument, inklusive användarens personliga säkerhetsbehörighetsuppgifter.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">413</P>
</DIV>
</DIV>
<DIV id="page_414">
<DIV id="dimg1">
<INGENBILD zsrc="H50377414x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/59</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1363 ft194"><SPAN class="ft194">30.</SPAN><SPAN class="ft247">stark kundautentisering</SPAN>: en autentisering som grundas på användning av två eller flera element, kategoriserade som kunskap (något som bara användaren vet), innehav (något som bara användaren har) och unik egenskap (något som användaren är), som är fristående från varandra så att det faktum att någon har kommit över ett av elementen inte äventyrar de andra elementens tillförlitlighet, och som är utformad för att skydda autentiseringsuppgifternas sekretess.</P>
<P class="p1364 ft201"><SPAN class="ft194">31.</SPAN><SPAN class="ft246">personliga säkerhetsbehörighetsuppgifter</SPAN>: personligt anpassade funktioner som betaltjänstleverantören tillhandahåller be<SPAN class="ft82"> </SPAN>taltjänstanvändaren för autentiseringsändamål.</P>
<P class="p1365 ft194"><SPAN class="ft203">32.</SPAN><SPAN class="ft247">känsliga betalningsuppgifter</SPAN>: uppgifter, inbegripet personliga säkerhetsbehörighetsuppgifter, som kan användas för bedrägerier. Vad beträffar verksamhet som bedrivs av leverantörer av betalningsinitieringstjänster och leverantörer av kontoinformationstjänster utgör kontoinnehavarens namn och kontonumret inte känsliga betalningsuppgifter.</P>
<P class="p1366 ft201"><SPAN class="ft194">33.</SPAN><SPAN class="ft246">unik identifikationskod</SPAN>: en kombination av bokstäver, siffror eller symboler som betaltjänstleverantören tillhandahåller betaltjänstanvändaren och som denne ska uppge för att på ett otvetydigt sätt identifiera en annan betaltjänstanvän<SPAN class="ft82"> </SPAN>dare och/eller dennes betalkonto för en betalningstransaktion.</P>
<P class="p1356 ft201"><SPAN class="ft194">34.</SPAN><SPAN class="ft246">teknik för distanskommunikation</SPAN>: en metod som kan användas för att ingå betaltjänstavtal, utan att betaltjänstleveran<SPAN class="ft82"> </SPAN>tören och betaltjänstanvändaren samtidigt är fysiskt närvarande på samma plats.</P>
<P class="p1365 ft194"><SPAN class="ft203">35.</SPAN><SPAN class="ft247">varaktigt medium</SPAN>: ett instrument som betaltjänstanvändaren kan använda för att lagra information som är riktad till den betaltjänstanvändaren personligen, på ett sådant sätt att informationen är tillgänglig för användning i framtiden under en tid som är lämplig för informationens syfte och som gör det möjligt att återge informationen oförändrad.</P>
<P class="p1364 ft201"><SPAN class="ft194">36.</SPAN><SPAN class="ft246">mikroföretag</SPAN>: företag som, när betaltjänstavtalet ingås, är ett företag enligt definitionen i artiklarna 1, 2.1 och 2.3 i bilagan till rekommendation 2003/361/EG.</P>
<P class="p1355 ft196"><SPAN class="ft194">37.</SPAN><SPAN class="ft246">bankdag</SPAN>: en dag på vilken betalarens eller betalningsmottagarens betaltjänstleverantör, när denne medverkar till genomförandet av en betalningstransaktion, har öppet för verksamhet i den utsträckning som krävs för genom<SPAN class="ft213"> </SPAN>förande av en betalningstransaktion.</P>
<P class="p1367 ft201"><SPAN class="ft194">38.</SPAN><SPAN class="ft246">ombud</SPAN>: en fysisk eller juridisk person som agerar för ett betalningsinstituts räkning vid tillhandahållandet av betal<SPAN class="ft82"> </SPAN>tjänster.</P>
<P class="p1356 ft196"><SPAN class="ft194">39.</SPAN><SPAN class="ft246">filial</SPAN>: ett annat driftsställe än huvudkontoret, som utgör en del av ett betalningsinstitut och inte är en juridisk person och som självständigt genomför alla eller vissa av de transaktioner som hänför sig till betalningsinstitutets verk<SPAN class="ft213"> </SPAN>samhet. Alla de driftsställen i en medlemsstat som är inrättade av ett betalningsinstitut med huvudkontor i en annan medlemsstat ska anses utgöra en enda filial.</P>
<P class="p1355 ft196"><SPAN class="ft194">40.</SPAN><SPAN class="ft246">koncern</SPAN>: en grupp av företag som är knutna till varandra genom ett sådant förhållande som avses i artikel 22.1, 22.2 eller 22.7 i direktiv 2013/34/EU eller företag enligt definitionen i artiklarna 4, 5, 6 och 7 i kommissionens delegerade förordning (EU) nr 241/2014 (<SPAN class="ft202">1</SPAN>), som är knutna till varandra genom ett sådant förhållande som avses i artikel 10.1 eller artikel 113.6 eller 113.7 i förordning (EU) nr 575/2013.</P>
<P class="p1368 ft201"><SPAN class="ft194">41.</SPAN><SPAN class="ft246">elektroniskt kommunikationsnät</SPAN>: ett nät enligt definitionen i artikel 2 a i Europaparlamentets och rådets direktiv 2002/21/EG (<SPAN class="ft202">2</SPAN>).</P>
<P class="p1369 ft201"><SPAN class="ft194">42.</SPAN><SPAN class="ft246">elektronisk kommunikationstjänst</SPAN>: en tjänst enligt definitionen i artikel 2 c i direktiv 2002/21/EG.</P>
<P class="p1370 ft250">(<SPAN class="ft249">1</SPAN>) Kommissionens delegerade förordning (EU) nr 241/2014 av den 7 januari 2014 om komplettering av Europaparlamentets och rådets förordning (EU) nr 575/2013 med avseende på tekniska tillsynsstandarder för kapitalbaskrav på institut (EUT L 74, 14.3.2014, s. 8).</P>
<P class="p1371 ft194">(<SPAN class="ft207">2</SPAN>) Europaparlamentets och rådets direktiv 2002/21/EG av den 7 mars 2002 om ett gemensamt regelverk för elektroniska kommuni<SPAN class="ft216"> </SPAN>kationsnät och kommunikationstjänster (ramdirektiv) (EGT L 108, 24.4.2002, s. 33).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">414</P>
</DIV>
</DIV>
<DIV id="page_415">
<DIV id="dimg1">
<INGENBILD zsrc="H50377415x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/60</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1357 ft201"><SPAN class="ft201">43.</SPAN><SPAN class="ft248">digitalt innehåll</SPAN>: varor eller tjänster som framställs och tillhandahålls i digital form, vars användning eller konsumtion är begränsad till en teknisk anordning och som inte på något sätt innefattar användning eller konsumtion av fysiska varor eller tjänster.</P>
<P class="p1372 ft201"><SPAN class="ft201">44.</SPAN><SPAN class="ft248">inlösen av betalningstransaktioner</SPAN>: en betaltjänst som tillhandahålls av en betaltjänstleverantör som har ingått avtal med en betalningsmottagare om att denne ska acceptera och behandla betalningsmottagarens betalningstransaktioner och som leder till överföring av medel till betalningsmottagaren.</P>
<P class="p1373 ft194"><SPAN class="ft194">45.</SPAN><SPAN class="ft251">utgivning av betalningsinstrument</SPAN>: en betaltjänst hos en betaltjänstleverantör som har ingått avtal om att tillhandahålla betalaren ett betalningsinstrument för att initiera och behandla betalarens betalningstransaktioner.</P>
<P class="p1359 ft201"><SPAN class="ft201">46.</SPAN><SPAN class="ft248">kapitalbas</SPAN>: en kapitalbas enligt definitionen i artikel 4.1.118 i förordning (EU) nr 575/2013 där åtminstone 75 % av primärkapitalet är i form av kärnprimärkapital enligt artikel 50 i den förordningen och supplementärkapitalet ska vara lika med eller mindre än en tredjedel av primärkapitalet.</P>
<P class="p1373 ft194"><SPAN class="ft194">47.</SPAN><SPAN class="ft251">betalmärke</SPAN>: varje namn, term, tecken eller symbol, oavsett om dessa är materiella eller digitala, eller kombination av dessa som kan ange inom vilken betalningsordning de kortbaserade betalningstransaktionerna genomförs.</P>
<P class="p1361 ft201"><SPAN class="ft201">48.</SPAN><NOBR><SPAN class="ft248">co-badging</SPAN>:</NOBR> inbegripande av två eller flera betalmärken eller betalningsapplikationer som tillhör samma betalmärke på samma betalningsinstrument.</P>
<P class="p1374 ft194">AVDELNING II</P>
<P class="p1375 ft200">BETALTJÄNSTLEVERANTÖRER</P>
<P class="p1376 ft215">KAPITEL 1</P>
<P class="p1377 ft252">Betalningsinstitut</P>
<P class="p1378 ft201">A v s n i t t 1</P>
<P class="p1379 ft230">A l l m ä n n a r e g l e r</P>
<P class="p1380 ft223">Artikel 5</P>
<P class="p1381 ft230">Ansökningar om auktorisation</P>
<P class="p1382 ft201">1. För att ett betalningsinstitut ska kunna auktoriseras som sådant måste en ansökan inlämnas till de behöriga myndigheterna i hemmedlemsstaten tillsammans med följande:</P>
<P class="p1383 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft239">En verksamhetsplan, där det särskilt anges vilka slag av betaltjänster som planeras.</SPAN></P>
<P class="p1384 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft227">En affärsplan med en budgetprognos för de tre första räkenskapsåren, där det visas att den sökande har förmåga att utnyttja system, resurser och förfaranden som är lämpliga och väl anpassade för en sund verksamhet.</SPAN></P>
<P class="p1383 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft239">Bevis för att betalningsinstitutet har det startkapital som anges i artikel 7.</SPAN></P>
<P class="p1385 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft227">För betalningsinstitut enligt artikel 10.1, en beskrivning av de åtgärder som vidtagits för att skydda betaltjänstan</SPAN><SPAN class="ft82"> </SPAN>vändarnas medel i enlighet med artikel 10.</P>
<P class="p1331 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft239">En beskrivning av den sökandes styrsystem och interna kontrollmekanismer, inklusive </SPAN><NOBR>förvaltnings-,</NOBR> riskhanterings- och redovisningsförfaranden, vilken ska visa att dessa styrsystem, kontrollmekanismer och förfaranden är proportio<SPAN class="ft82"> </SPAN>nella, lämpliga, sunda och tillräckliga.</P>
<P class="p1386 ft201"><SPAN class="ft201">f)</SPAN><SPAN class="ft240">En beskrivning av de förfaranden som finns för att övervaka, hantera och följa upp säkerhetsincidenter och säkerhets</SPAN><SPAN class="ft82"> </SPAN>relaterade kundklagomål, inklusive en rapporteringsmekanism för incidenter som beaktar betalningsinstitutets infor<SPAN class="ft82"> </SPAN>mationsskyldigheter enligt artikel 96.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">415</P>
</DIV>
</DIV>
<DIV id="page_416">
<DIV id="dimg1">
<INGENBILD zsrc="H50377416x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/61</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1387 ft201"><SPAN class="ft203">g)</SPAN><SPAN class="ft239">En beskrivning av den process som har införts för att arkivera, övervaka, spåra och begränsa åtkomsten till känsliga betalningsuppgifter.</SPAN></P>
<P class="p1322 ft196"><SPAN class="ft194">h)</SPAN><SPAN class="ft226">En beskrivning av arrangemang för verksamhetens driftskontinuitet, inklusive en tydlig angivelse av kritiska verk</SPAN><SPAN class="ft213"> </SPAN>samheter, effektiva beredskapsplaner och ett förfarande för att regelbundet kontrollera och se över dessa planers lämplighet och effektivitet.</P>
<P class="p1319 ft201"><SPAN class="ft194">i)</SPAN><SPAN class="ft240">En beskrivning av de principer och definitioner som tillämpas på insamling av statistiska uppgifter om resultat, transaktioner och bedrägerier.</SPAN></P>
<P class="p1388 ft194"><SPAN class="ft203">j)</SPAN><SPAN class="ft253">Ett säkerhetspolicydokument, inbegripet en detaljerad riskbedömning av betaltjänsterna och en beskrivning av de säkerhetskontroll- och begränsningsåtgärder som vidtagits för att på lämpligt sätt skydda betaltjänstanvändarna mot de belagda riskerna, bland annat bedrägeri och olaglig användning av känsliga uppgifter och personuppgifter.</SPAN></P>
<P class="p1319 ft196"><SPAN class="ft194">k)</SPAN><SPAN class="ft226">För betalningsinstitut som ska uppfylla skyldigheterna i fråga om penningtvätt och finansiering av terrorism enligt Europaparlamentets och rådets direktiv (EU) 2015/849 (</SPAN><SPAN class="ft202">1</SPAN>) och Europaparlamentets och rådets förordning (EU) 2015/847 (<SPAN class="ft202">2</SPAN>), en beskrivning av de mekanismer för intern kontroll som sökanden har infört för att uppfylla dessa skyldigheter.</P>
<P class="p1322 ft196"><SPAN class="ft194">l)</SPAN><SPAN class="ft242">En beskrivning av sökandens organisationsstruktur, som i tillämpliga fall även ska omfatta en beskrivning av avsedd användning av ombud och filialer och de externa kontroller och kontroller på plats som sökanden förbinder sig att genomföra hos dessa minst en gång per år samt en beskrivning av lösningarna för utkontraktering och sökandens deltagande i ett nationellt eller internationellt betalningssystem.</SPAN></P>
<P class="p1389 ft201"><SPAN class="ft201">m)</SPAN><SPAN class="ft235">Identitetsuppgifter om personer som direkt eller indirekt har ett kvalificerat innehav i sökanden i den mening som avses i artikel 4.1.36 i förordning (EU) nr 575/2013, storleken på deras innehav och bevis på deras lämplighet med hänsyn till att en sund och ansvarsfull ledning av betalningsinstitutet ska garanteras.</SPAN></P>
<P class="p1390 ft194"><SPAN class="ft203">n)</SPAN><SPAN class="ft229">Identitetsuppgifter om personer i styrelsen och personer som leder betalningsinstitutet och i tillämpliga fall om personer som leder betalningsinstitutets betaltjänstverksamhet samt bevis på att dessa har gott anseende och enligt betalningsinstitutets hemmedlemsstat har den kunskap och erfarenhet som krävs för att tillhandahålla betaltjänster.</SPAN></P>
<P class="p1391 ft201"><SPAN class="ft194">o)</SPAN><SPAN class="ft227">I tillämpliga fall identitetsuppgifter om lagstadgade revisorer och revisionsföretag enligt definitionen i Europaparla</SPAN><SPAN class="ft82"> </SPAN>mentets och rådets direktiv 2006/43/EG (<SPAN class="ft202">3</SPAN>).</P>
<P class="p1392 ft201"><SPAN class="ft194">p)</SPAN><SPAN class="ft227">Den sökandes rättsliga ställning och bolagsordning.</SPAN></P>
<P class="p1393 ft201"><SPAN class="ft194">q)</SPAN><SPAN class="ft227">Adressen till den sökandes huvudkontor.</SPAN></P>
<P class="p1394 ft196">Vid tillämpningen av leden d, e, f och l i första stycket ska sökanden tillhandahålla en beskrivning av sina revisions<SPAN class="ft213"> </SPAN>arrangemang samt de organisatoriska arrangemangen för att alla rimliga åtgärder ska vidtas för att skydda användarnas intressen samt trygga kontinuitet och tillförlitlighet vid genomförandet av betaltjänsterna.</P>
<P class="p1240 ft195">(<SPAN class="ft207">1</SPAN>) Europaparlamentets och rådets direktiv (EU) 2015/849 av den 20 maj 2015 om åtgärder för att förhindra att det finansiella systemet används för penningtvätt eller finansiering av terrorism, om ändring av Europaparlamentets och rådets förordning (EU) nr 648/2012 och om upphävande av Europaparlamentets och rådets direktiv 2005/60/EG och kommissionens direktiv 2006/70/EG (EUT L 141, 5.6.2015, s. 73).</P>
<P class="p1395 ft195">(<SPAN class="ft207">2</SPAN>) Europaparlamentets och rådets förordning (EU) 2015/847 av den 20 maj 2015 om uppgifter som ska åtfölja överföringar av medel och om upphävande av förordning (EG) nr 1781/2006 (EUT L 141, 5.6.2015, s. 1).</P>
<P class="p1396 ft194">(<SPAN class="ft207">3</SPAN>) Europaparlamentets och rådets direktiv 2006/43/EG av den 17 maj 2006 om lagstadgad revision av årsbokslut och sammanställd redovisning, om ändring av rådets direktiv 78/660/EEG och 83/349/EEG samt om upphävande av rådets direktiv 84/253/EEG (EUT L 157, 9.6.2006, s. 87).</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">416</P>
</DIV>
</DIV>
<DIV id="page_417">
<DIV id="dimg1">
<INGENBILD zsrc="H50377417x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/62</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1397 ft196">I samband med de säkerhetskontroll- och begränsningsåtgärder som avses i led j i första stycket ska det anges på vilket sätt de säkrar en hög teknisk säkerhet och dataskydd, däribland för de programvaru- och <NOBR>it-system</NOBR> som används av sökanden eller de företag till vilka denne utkontrakterar hela eller delar av sin verksamhet. Dessa åtgärder ska också omfatta de säkerhetsåtgärder som fastställs i artikel 95.1. I samband med dessa åtgärder ska hänsyn tas till EBA:s riktlinjer för säkerhetsåtgärder som avses i artikel 95.3 när dessa har införts.</P>
<P class="p1398 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Medlemsstaterna ska kräva att företag som ansöker om auktorisation för att tillhandahålla betaltjänster som avses i punkt 7 i bilaga I, som ett villkor för auktorisationen, innehar en ansvarsförsäkring för de territorier där de tillhandahåller tjänster, eller annan jämförbar garanti mot skadeståndsansvar som ska säkerställa att de kan täcka sitt skadeståndsansvar enligt artiklarna 73, 89, 90 och 92.</SPAN></P>
<P class="p1312 ft196"><SPAN class="ft196">3.</SPAN><SPAN class="ft236">Medlemsstaterna ska kräva att företag som ansöker om registrering för att tillhandahålla betaltjänster som avses i punkt 8 i bilaga I, som ett villkor för registreringen, innehar en ansvarsförsäkring för de territorier där de tillhandahåller tjänster, eller annan jämförbar garanti mot skadeståndsansvar gentemot den kontoförvaltande betaltjänstleverantören eller betaltjänstanvändaren till följd av icke auktoriserat eller bedrägligt tillträde till eller icke auktoriserad eller bedräglig användning av betalkontoinformation.</SPAN></P>
<P class="p1399 ft194"><SPAN class="ft194">4.</SPAN><SPAN class="ft237">Efter samråd med alla relevanta intressenter, inbegripet de inom marknaden för betaltjänster, varvid samtliga berörda intressen återspeglas, ska EBA senast den 13 januari 2017 utfärda riktlinjer riktade till de behöriga myndigheterna</SPAN></P>
<P class="p1314 ft201"><SPAN class="ft194">i</SPAN><SPAN class="ft225">enlighet med artikel 16 i förordning (EU) nr 1093/2010 för kriterierna för att fastställa ett minimibelopp för den ansvarsförsäkring eller annan jämförbar garanti som avses i punkterna 2 och 3.</SPAN></P>
<P class="p1400 ft201">Vid utarbetandet av de riktlinjer som avses i första stycket ska EBA beakta</P>
<P class="p1401 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">företagets riskprofil,</SPAN></P>
<P class="p1402 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">huruvida företaget tillhandahåller andra betaltjänster som avses i bilaga I eller bedriver annan verksamhet,</SPAN></P>
<P class="p1402 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">verksamhetens storlek,</SPAN></P>
<P class="p1403 ft201"><SPAN class="ft203">i)</SPAN><SPAN class="ft235">för företag som ansöker om auktorisation att tillhandahålla betaltjänster som avses i punkt 7 i bilaga I, de initierade transaktionernas värde,</SPAN></P>
<P class="p1404 ft201"><SPAN class="ft203">ii)</SPAN><SPAN class="ft235">för företag som ansöker om registrering för att tillhandahålla betaltjänster som avses i punkt 8 i bilaga I, antalet kunder som använder kontoinformationstjänsterna,</SPAN></P>
<P class="p1286 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">särdragen hos jämförbara garantier och kriterierna för deras genomförande.</SPAN></P>
<P class="p1405 ft201">EBA ska regelbundet se över dessa riktlinjer.</P>
<P class="p1406 ft194">5. Efter samråd med samtliga relevanta intressenter, inbegripet de inom marknaden för betaltjänster, varvid samtliga berörda intressen återspeglas, ska EBA senast den 13 juli 2017 utfärda riktlinjer i enlighet med artikel 16 i förordning (EU) nr 1093/2010 för de uppgifter som ska lämnas till de behöriga myndigheterna vid ansökan om auktorisation för betalningsinstitut, inbegripet de krav som fastställs i leden a, b, c, e och <NOBR>g-j</NOBR> i första stycket i punkt 1 i den här artikeln.</P>
<P class="p1407 ft201">EBA ska regelbundet se över riktlinjerna, och under alla omständigheter minst vart tredje år.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">417</P>
</DIV>
</DIV>
<DIV id="page_418">
<DIV id="dimg1">
<INGENBILD zsrc="H50377418x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/63</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1408 ft196">6. Med beaktande, när så är lämpligt, av den erfarenhet som gjorts vid tillämpningen av de riktlinjer som avses i punkt 5, får EBA utarbeta förslag till tekniska standarder för tillsyn, där den information som ska lämnas till de behöriga myndigheterna vid ansökan om auktorisation som betalningsinstitut anges, inbegripet de krav som fastställs i leden a, b, c, e och <NOBR>g-j</NOBR> i punkt 1.</P>
<P class="p1409 ft201">Kommissionen ska ges befogenhet att anta de tekniska standarder för tillsyn som avses i första stycket i enlighet med artiklarna 10<SPAN class="ft82">‒</SPAN>14 i förordning (EU) nr 1093/2010.</P>
<P class="p1410 ft201"><SPAN class="ft201">7.</SPAN><SPAN class="ft231">Den information som avses i punkt 4 ska delges de behöriga myndigheterna i enlighet med punkt 1.</SPAN></P>
<P class="p1411 ft223">Artikel 6</P>
<P class="p1412 ft230">Kontroll av aktieinnehav</P>
<P class="p1413 ft194"><SPAN class="ft194">1.</SPAN><SPAN class="ft237">Alla fysiska eller juridiska personer som har beslutat att direkt eller indirekt förvärva eller ytterligare öka ett kvalificerat innehav i enlighet med artikel 4.1.36 i förordning (EU) nr 575/2013 i ett betalningsinstitut, varigenom andelen av kapitalet eller röstetalet kommer att nå eller överstiga 20 %, 30 % eller 50 % eller så att betalningsinstitutet därigenom kommer att få ställning som dotterföretag, ska i förväg skriftligen underrätta de behöriga myndigheterna om sina avsikter. Detta gäller även alla fysiska eller juridiska personer som har beslutat att direkt eller indirekt avyttra ett kvalificerat innehav eller minska sitt kvalificerade innehav så att andelen av kapitalet eller röstetalet understiger 20 %,</SPAN></P>
<P class="p1414 ft201"><SPAN class="ft194">30</SPAN><SPAN class="ft238">% eller 50 % eller så att betalningsinstitutets ställning som dotterföretag kommer att upphöra.</SPAN></P>
<P class="p1415 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Den tilltänkte förvärvaren av ett kvalificerat innehav ska lämna uppgifter till den behöriga myndigheten om storleken på det tilltänkta innehavet samt relevanta uppgifter enligt artikel 23.4 i direktiv 2013/36/EU.</SPAN></P>
<P class="p1416 ft196"><SPAN class="ft196">3.</SPAN><SPAN class="ft236">Om det inflytande som utövas av den tilltänkte förvärvaren som avses i punkt 2 sannolikt är till skada för en sund och ansvarsfull ledning av betalningsinstitutet, ska medlemsstaterna kräva att de behöriga myndigheterna motsätter sig detta eller vidtar andra lämpliga åtgärder för att förhållandet ska upphöra. Sådana åtgärder kan bestå av förelägganden, sanktioner för styrelsen eller de personer som leder verksamheten, eller upphävande av rösträtt som är knuten till de aktier som innehas av det berörda betalningsinstitutets aktieägare eller medlemmar.</SPAN></P>
<P class="p1409 ft201">Liknande åtgärder ska vidtas i fråga om fysiska eller juridiska personer som underlåter att lämna sådan förhandsinfor<SPAN class="ft82"> </SPAN>mation som avses i denna artikel.</P>
<P class="p1417 ft196">4. Om ett innehav har förvärvats trots att de behöriga myndigheterna har motsatt sig förvärvet, ska medlemsstaterna, oavsett eventuella övriga sanktioner som åläggs, föreskriva antingen att sådana rösträtter inte får utövas eller att avgivna röster ska vara ogiltiga eller att de får förklaras ogiltiga.</P>
<P class="p1418 ft223">Artikel 7</P>
<P class="p1419 ft230">Startkapital</P>
<P class="p1420 ft201">Medlemsstaterna ska kräva att betalningsinstituten vid tidpunkten för auktorisationen har ett startkapital bestående av en eller flera av de poster som avses i artikel 26.1 <NOBR>a–e</NOBR> i förordning (EU) nr 575/2013 enligt följande:</P>
<P class="p1421 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Om betalningsinstitutet endast tillhandahåller betaltjänsten enligt punkt 6 i bilaga I, får dess kapital aldrig underskrida 20 000 EUR.</SPAN></P>
<P class="p1422 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Om betalningsinstitutet tillhandahåller betaltjänsten enligt punkt 7 i bilaga I, får dess kapital aldrig underskrida 50 000 EUR.</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">418</P>
</DIV>
</DIV>
<DIV id="page_419">
<DIV id="dimg1">
<INGENBILD zsrc="H50377419x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/64</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1423 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">Om betalningsinstitutet tillhandahåller någon av betaltjänsterna enligt punkterna </SPAN><NOBR>1–5</NOBR> i bilaga I, får dess kapital aldrig underskrida 125 000 EUR.</P>
<P class="p1424 ft223">Artikel 8</P>
<P class="p1425 ft230">Kapitalbas</P>
<P class="p1426 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Betalningsinstitutens kapitalbas får inte underskrida det belopp för startkapitalet som avses i artikel 7 eller beloppet för kapitalbasen beräknat i enlighet med artikel 9 i detta direktiv, beroende på vilket som är högst.</SPAN></P>
<P class="p1427 ft194"><SPAN class="ft194">2.</SPAN><SPAN class="ft237">Medlemsstaterna ska vidta nödvändiga åtgärder för att förhindra att de poster som får ingå i kapitalbasen används flera gånger, när betalningsinstitutet tillhör samma koncern som ett annat betalningsinstitut, kreditinstitut, värdepappers</SPAN><SPAN class="ft216"> </SPAN>företag, kapitalförvaltningsbolag eller försäkringsföretag. Denna punkt ska även tillämpas när betalningsinstitutet är av hybridkaraktär och bedriver annan verksamhet än att tillhandahålla betaltjänster.</P>
<P class="p1428 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Om villkoren enligt artikel 7 i förordning (EU) nr 575/2013 är uppfyllda, får medlemsstaterna eller deras behöriga myndigheter välja att inte tillämpa artikel 9 i det här direktivet på betalningsinstitut som omfattas av den gruppbaserade tillsynen av moderkreditinstitutet enligt direktiv 2013/36/EU.</SPAN></P>
<P class="p1429 ft223">Artikel 9</P>
<P class="p1430 ft230">Beräkning av kapitalbasen</P>
<P class="p1314 ft196">1. Oaktat de inledande kapitalkrav som fastställs i artikel 7, ska medlemsstaterna kräva att betalningsinstituten, med undantag för institut som endast tillhandahåller tjänster som avses i punkt 7 eller 8, eller båda, i bilaga I, alltid har en kapitalbas beräknad med en av följande tre metoder enligt vad de behöriga myndigheterna fastställt i enlighet med nationell rätt:</P>
<P class="p1308 ft201">Metod A</P>
<P class="p1431 ft196">Betalningsinstitutets kapitalbas ska uppgå till lägst 10 % av dess fasta omkostnader föregående år. De behöriga myndig<SPAN class="ft213"> </SPAN>heterna får justera detta krav om det har skett en väsentlig förändring av betalningsinstitutets verksamhet sedan föregå<SPAN class="ft213"> </SPAN>ende år. Om ett betalningsinstitut inte har fullföljt ett helt års affärsverksamhet vid tidpunkten för beräkningen, ska kravet vara att kapitalbasen ska uppgå till lägst 10 % av motsvarande fasta omkostnader enligt dess affärsplan, såvida inte de behöriga myndigheterna kräver en justering av planen.</P>
<P class="p1308 ft201">Metod B</P>
<P class="p1432 ft196">Betalningsinstitutets kapitalbas ska minst uppgå till summan av följande poster, multiplicerad med den skalfaktor k som anges i punkt 2, där betalningsvolymen (BV) utgör en tolftedel av det sammanlagda beloppet av de betalningstrans<SPAN class="ft213"> </SPAN>aktioner som betalningsinstitutet genomförde under föregående år:</P>
<P class="p1433 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">4,0 % av den del av BV som inte överstiger 5 miljoner EUR</SPAN></P>
<P class="p1433 ft201">samt</P>
<P class="p1433 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">2,5 % av den del av BV som överstiger 5 miljoner EUR men inte 10 miljoner EUR</SPAN></P>
<P class="p1305 ft201">samt</P>
<P class="p1433 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">1 % av den del av BV som överstiger 10 miljoner EUR men inte 100 miljoner EUR</SPAN></P>
<P class="p1433 ft201">samt</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">419</P>
</DIV>
</DIV>
<DIV id="page_420">
<DIV id="dimg1">
<INGENBILD zsrc="H50377420x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/65</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1323 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">0,5 % av den del av BV som överstiger 100 miljoner EUR men inte 250 miljoner EUR</SPAN></P>
<P class="p1434 ft201">samt</P>
<P class="p1434 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft235">0,25 % av den del av BV som överstiger 250 miljoner EUR.</SPAN></P>
<P class="p1435 ft201">Metod C</P>
<P class="p1436 ft201">Betalningsinstitutets kapitalbas ska minst uppgå till den relevanta indikatorn enligt led a, multiplicerad med faktorn enligt led b och med skalfaktorn k enligt punkt 2:</P>
<P class="p1323 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Den relevanta indikatorn ska vara summan av</SPAN></P>
<P class="p1437 ft201"><SPAN class="ft194">i)</SPAN><SPAN class="ft225">ränteinkomster,</SPAN></P>
<P class="p1438 ft201"><SPAN class="ft194">ii)</SPAN><SPAN class="ft225">ränteutgifter,</SPAN></P>
<P class="p1439 ft201"><SPAN class="ft194">iii)</SPAN><SPAN class="ft225">mottagen kommission och mottagna avgifter, och</SPAN></P>
<P class="p1440 ft201"><SPAN class="ft194">iv)</SPAN><SPAN class="ft225">övriga rörelseintäkter.</SPAN></P>
<P class="p1441 ft194">Varje post ska summeras med sitt positiva eller negativa tecken. Inkomster från extraordinära eller irreguljära poster får inte tas med i beräkningen av den relevanta indikatorn. Kostnaderna för tjänster som utkontrakterats till tredje man får dras av från den relevanta indikatorn, om de härrör från ett företag som är föremål för tillsyn enligt detta direktiv. Den relevanta indikatorn ska beräknas på grundval av den tolvmånadersobservation som gjorts vid utgången av föregående räkenskapsår. Den relevanta indikatorn ska beräknas på det föregående räkenskapsåret. Kapitalbaser som beräknats enligt metod C får emellertid inte ligga under 80 % av den relevanta indikatorns medelvärde under de tre föregående räkenskapsåren. Om inga reviderade uppgifter finns tillgängliga får företagets egna skattningar användas.</P>
<P class="p1392 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Multiplikationsfaktorn ska vara</SPAN></P>
<P class="p1437 ft201"><SPAN class="ft194">i)</SPAN><SPAN class="ft225">10 % för den del av den relevanta indikatorn som inte överstiger 2,5 miljoner EUR,</SPAN></P>
<P class="p1438 ft201"><SPAN class="ft194">ii)</SPAN><SPAN class="ft225">8 % för den del av den relevanta indikatorn som överstiger 2,5 miljoner EUR men inte 5 miljoner EUR,</SPAN></P>
<P class="p1439 ft201"><SPAN class="ft194">iii)</SPAN><SPAN class="ft225">6 % för den del av den relevanta indikatorn som överstiger 5 miljoner EUR men inte 25 miljoner EUR,</SPAN></P>
<P class="p1440 ft201"><SPAN class="ft194">iv)</SPAN><SPAN class="ft225">3 % för den del av den relevanta indikatorn som överstiger 25 miljoner EUR men inte 50 miljoner EUR,</SPAN></P>
<P class="p1438 ft201"><SPAN class="ft194">v)</SPAN><SPAN class="ft225">1,5 % över 50 miljoner EUR.</SPAN></P>
<P class="p1442 ft201">2. Den skalfaktor k som ska användas i metoderna B och C ska vara</P>
<P class="p1369 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">0,5, om betalningsinstitutet tillhandahåller endast den betaltjänst som avses i punkt 6 i bilaga I,</SPAN></P>
<P class="p1434 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">1, om betalningsinstitutet tillhandahåller någon av de betaltjänster som avses i någon av punkterna </SPAN><NOBR>1–5</NOBR> i bilaga I.</P>
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<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/66</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1397 ft196">3. De behöriga myndigheterna får, på grundval av en utvärdering av betalningsinstitutets riskhanteringsprocesser, förlustdatabas och interna kontrollmekanismer, kräva att det har en kapitalbas som är upp till 20 % högre än det belopp som skulle bli resultatet av tillämpningen av den metod som valts i enlighet med punkt 1 eller tillåta betalningsinstitutet att ha en kapitalbas som är upp till 20 % lägre än det belopp som skulle bli resultatet av tillämpningen av den metod som valts i enlighet med punkt 1.</P>
<P class="p1443 ft223">Artikel 10</P>
<P class="p1444 ft230">Skyddskrav</P>
<P class="p1445 ft194">1. Medlemsstaterna eller de behöriga myndigheterna ska kräva att ett betalningsinstitut som tillhandahåller de betal<SPAN class="ft216"> </SPAN>tjänster som avses i punkterna <NOBR>1–6</NOBR> i bilaga I ska skydda alla medel som för genomförandet av betalningstransaktioner har tagits emot av betaltjänstanvändare eller genom en annan betaltjänstleverantör på något av följande sätt:</P>
<P class="p1446 ft206"><SPAN class="ft203">a)</SPAN><SPAN class="ft254">Medlen ska inte vid någon tidpunkt sammanblandas med de medel som innehas för någon annan fysisk eller juridisk persons räkning än betaltjänstanvändarnas och ska, när medlen fortfarande innehas av betalningsinstitutet men ännu inte har sänts till betalningsmottagaren eller överförts till en annan betaltjänstleverantör vid slutet av bankdagen efter den dag då medlen mottogs, deponeras på ett särskilt konto hos ett kreditinstitut eller investeras i säkra, likvida lågrisktillgångar i enlighet med vad hemmedlemsstatens behöriga myndigheter fastställer, och i betaltjänstanvändarnas intresse hållas skyddade i enlighet med nationell rätt mot anspråk från betalningsinstitutets övriga kreditorer, särskilt vid insolvens.</SPAN></P>
<P class="p1447 ft196"><SPAN class="ft194">b)</SPAN><SPAN class="ft233">Medlen ska omfattas av en försäkring eller annan jämförlig garanti från ett försäkringsbolag eller ett kreditinstitut som inte tillhör samma koncern som betalningsinstitutet, uppgående till det belopp som skulle ha avskilts i avsaknad av en försäkring eller annan jämförbar garanti, vilket ska utbetalas om betalningsinstitutet inte kan uppfylla sina finansiella skyldigheter.</SPAN></P>
<P class="p1399 ft194">2. Om ett betalningsinstitut är skyldigt att skydda medel enligt punkt 1 och en andel av dessa medel ska användas för kommande betalningstransaktioner och det återstående beloppet ska användas för tjänster som inte är en betaltjänst, ska även den andel av medlen som ska användas för kommande betalningstransaktioner omfattas av punkt 1. Om denna andel är variabel eller okänd på förhand, får medlemsstaterna tillåta att betalningsinstituten tillämpar denna punkt på grundval av en representativ andel som ska antas användas för betaltjänster, förutsatt att det på grundval av historiska uppgifter kan göras en rimlig uppskattning av denna representativa andel vilken godtas av de behöriga myndigheterna.</P>
<P class="p1443 ft223">Artikel 11</P>
<P class="p1448 ft230">Beviljande av auktorisation</P>
<P class="p1449 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Av företag som avser att tillhandahålla betaltjänster ska medlemsstaterna kräva att de har auktoriserats som betal</SPAN><SPAN class="ft213"> </SPAN>ningsinstitut innan de börjar tillhandahålla dessa tjänster, med undantag av de företag som avses i artikel 1.1 a, b, c, e och f och fysiska eller juridiska personer som utnyttjar ett undantag enligt artiklarna 32 eller 33. Auktorisation får endast beviljas en juridisk person som är etablerad i en medlemsstat.</P>
<P class="p1428 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Behöriga myndigheter ska bevilja auktorisation om den information och de bestyrkanden som åtföljer ansökan uppfyller alla krav som fastställs i artikel 5 och de behöriga myndigheterna efter att ha granskat ansökan gör en positiv sammanlagd bedömning. Innan auktorisation beviljas, får de behöriga myndigheterna vid behov höra den nationella centralbanken eller andra berörda offentliga myndigheter.</SPAN></P>
<P class="p1450 ft194"><SPAN class="ft194">3.</SPAN><SPAN class="ft237">Ett betalningsinstitut som enligt den nationella rätten i sin hemmedlemsstat är skyldigt att ha ett säte ska ha sitt huvudkontor i den medlemsstat där det har sitt säte och ska bedriva åtminstone en del av sin betaltjänstverksamhet där.</SPAN></P>
<P class="p1451 ft194"><SPAN class="ft194">4.</SPAN><SPAN class="ft237">De behöriga myndigheterna får bevilja auktorisation endast om betalningsinstitutet för tryggandet av en sund och ansvarsfull ledning har effektiva styrsystem för sin betaltjänstverksamhet, bl.a. en tydlig organisationsstruktur med en väl definierad, överblickbar och konsekvent ansvarsfördelning, effektiva förfaranden för att kartlägga, hantera, övervaka och rapportera de risker som betalningsinstitutet utsätts eller kan utsättas för och tillfredsställande rutiner för intern kontroll,</SPAN></P>
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<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/67</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1452 ft201">däribland sunda förfaranden för administration och redovisning; styrsystemen, förfarandena och rutinerna ska omfatta hela verksamheten och stå i proportion till arten och omfattningen av de betaltjänster som betalningsinstitutet till<SPAN class="ft82"> </SPAN>handahåller och till deras komplexitet.</P>
<P class="p1453 ft196"><SPAN class="ft196">5.</SPAN><SPAN class="ft236">Om ett betalningsinstitut tillhandahåller någon av de betaltjänster som avses i punkterna </SPAN><NOBR>1–7</NOBR> i bilaga I och samtidigt bedriver annan affärsverksamhet får de behöriga myndigheterna kräva att det upprättas en separat enhet för betaltjänstverksamheten, om den verksamhet hos betalningsinstitutet som inte avser betaltjänster försämrar eller kan komma att försämra betalningsinstitutets finansiella sundhet eller de behöriga myndigheternas förmåga att övervaka att betalningsinstitutet iakttar alla sina skyldigheter enligt detta direktiv.</P>
<P class="p1417 ft196"><SPAN class="ft196">6.</SPAN><SPAN class="ft236">De behöriga myndigheterna ska neka auktorisation om de, med hänsyn till behovet av att försäkra sig om sund och ansvarsfull ledning av ett betalningsinstitut, inte är förvissade om att aktieägare eller andra medlemmar med kvalificerade innehav är lämpliga.</SPAN></P>
<P class="p1454 ft201"><SPAN class="ft201">7.</SPAN><SPAN class="ft231">Om det dessutom finns nära förbindelser enligt definitionen i artikel 4.1.38 i förordning (EU) nr 575/2013 mellan betalningsinstitutet och andra fysiska eller juridiska personer, ska de behöriga myndigheterna bevilja auktorisation endast om dessa förbindelser inte hindrar ett effektivt utövande av deras tillsyn.</SPAN></P>
<P class="p1455 ft196"><SPAN class="ft196">8.</SPAN><SPAN class="ft236">De behöriga myndigheterna får bevilja auktorisation endast om ett effektivt utövande av deras tillsyn inte hindras av lagar och andra författningar i ett tredjeland, som gäller för en eller flera fysiska eller juridiska personer till vilka betalningsinstitutet har nära förbindelser, eller hindras av svårigheter vid tillämpningen av dessa lagar och andra författ</SPAN><SPAN class="ft213"> </SPAN>ningar.</P>
<P class="p1417 ft201"><SPAN class="ft201">9.</SPAN><SPAN class="ft231">Auktorisationen ska gälla i alla medlemsstater och göra det möjligt för det berörda betalningsinstitutet att till</SPAN><SPAN class="ft82"> </SPAN>handahålla betaltjänster som omfattas av auktorisationen inom hela unionen med stöd av friheten att tillhandahålla tjänster eller etableringsfriheten.</P>
<P class="p1456 ft223">Artikel 12</P>
<P class="p1457 ft230">Meddelande om beslut</P>
<P class="p1413 ft194">Inom tre månader från mottagandet av en ansökan eller, om ansökan skulle vara ofullständig, från mottagandet av all den information som krävs för beslut, ska de behöriga myndigheterna underrätta sökanden om huruvida auktorisationen beviljas eller avslås. Om den behöriga myndigheten nekar auktorisation ska den ange skälen för detta.</P>
<P class="p1458 ft223">Artikel 13</P>
<P class="p1459 ft230">Återkallande av auktorisation</P>
<P class="p1460 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">De behöriga myndigheterna får återkalla en auktorisation som beviljats ett betalningsinstitut endast om institutet:</SPAN></P>
<P class="p1461 ft196"><SPAN class="ft203">a)</SPAN><SPAN class="ft233">inte utnyttjar auktorisationen inom tolv månader, uttryckligen avstår från auktorisationen eller inte har bedrivit någon verksamhet på över sex månader, om den berörda medlemsstaten inte har infört bestämmelser om att auktorisationen ska upphöra att gälla i sådana fall,</SPAN></P>
<P class="p1462 ft201">b) har erhållit auktorisationen på grundval av oriktiga uppgifter eller på något annat sätt i strid mot gällande regler,</P>
<P class="p1463 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">inte längre uppfyller villkoren för beviljande av auktorisation eller underlåter att underrätta den behöriga myndigheten om viktiga händelser i detta avseende,</SPAN></P>
<P class="p1464 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">skulle utgöra ett hot mot stabiliteten i eller förtroendet för betalningssystemet om det fortsatte att bedriva sin betaltjänstverksamhet, eller</SPAN></P>
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<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/68</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1465 ft201">e) omfattas av något annat fall där det i nationell rätt föreskrivs att auktorisationen ska återkallas.</P>
<P class="p1428 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Den behöriga myndigheten ska ange skälen för återkallandet av en auktorisation och underrätta de som berörs av beslutet om detta.</SPAN></P>
<P class="p1466 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Den behöriga myndigheten ska offentliggöra återkallandet av en auktorisation, även i de register som avses i artiklarna 14 och 15.</SPAN></P>
<P class="p1467 ft223">Artikel 14</P>
<P class="p1468 ft230">Registrering i hemmedlemsstaten</P>
<P class="p1469 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Medlemsstaterna ska upprätta ett offentligt register, i vilket följande förs in:</SPAN></P>
<P class="p1470 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">Auktoriserade betalningsinstitut och deras ombud.</SPAN></P>
<P class="p1286 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">Fysiska och juridiska personer som utnyttjar ett undantag enligt artiklarna 32 eller 33, och deras ombud och</SPAN></P>
<P class="p1286 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">de institut som avses i artikel 2.5 och som enligt nationell rätt har rätt att tillhandahålla betaltjänster.</SPAN></P>
<P class="p1471 ft201">Filialer till betalningsinstitut om dessa filialer tillhandahåller tjänster i en annan medlemsstat än sin hemmedlemsstat.</P>
<P class="p1472 ft194"><SPAN class="ft203">2.</SPAN><SPAN class="ft237">Det offentliga registret ska innehålla uppgift om de betaltjänster för vilka betalningsinstitutet är auktoriserat eller för vilka de fysiska eller juridiska personerna har registrerats. Auktoriserade betalningsinstitut ska upptas i en separat för</SPAN><SPAN class="ft216"> </SPAN>teckning i registret och skiljas från de fysiska och juridiska personer som omfattas av ett undantag enligt artikel 32 eller</P>
<P class="p1473 ft201"><SPAN class="ft201">33.</SPAN><SPAN class="ft238">Registret ska vara allmänt tillgängligt, även online, och ska uppdateras utan dröjsmål.</SPAN></P>
<P class="p1428 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Behöriga myndigheter ska föra in varje återkallande av en auktorisation och varje återkallande av ett undantag enligt artikel 32 eller 33 i det offentliga registret.</SPAN></P>
<P class="p1312 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">De behöriga myndigheterna ska underrätta EBA om skälen till återkallandet av en auktorisation och ett undantag enligt artikel 32 eller 33.</SPAN></P>
<P class="p1467 ft223">Artikel 15</P>
<P class="p1474 ft230">EBA:s register</P>
<P class="p1475 ft196">1. EBA ska utveckla, driva och upprätthålla ett elektroniskt centralt register som innehåller den information som lämnas av de behöriga myndigheterna i enlighet med punkt 2. EBA ska svara för att denna information presenteras på ett korrekt sätt.</P>
<P class="p1428 ft201">EBA ska på sin webbplats göra registret tillgängligt för allmänheten och ska möjliggöra enkel tillgång till och enkel sökning av den förtecknade informationen, utan kostnad.</P>
<P class="p1312 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">De behöriga myndigheterna ska utan dröjsmål underrätta EBA om den information som förts in i deras offentliga register enligt artikel 14 på ett språk som är brukligt på det finansiella området.</SPAN></P>
<P class="p1312 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">De behöriga myndigheterna ska svara för att den information som anges i punkt 2 är korrekt och uppdateras regelbundet.</SPAN></P>
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<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/69</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
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</TR>
</TABLE>
<P class="p1452 ft201">4. EBA ska utarbeta ett förslag till tekniska standarder för tillsyn där tekniska krav anges för utveckling, drift och underhåll av det elektroniska centrala registret och tillgång till informationen i detta. De tekniska kraven ska säkerställa att ändring av informationen är möjlig endast för den behöriga myndigheten och för EBA.</P>
<P class="p1476 ft201">EBA ska lägga fram detta förslag till tekniska standarder för tillsyn för kommissionen senast den 13 januari 2018.</P>
<P class="p1477 ft201">Kommissionen ska ges befogenhet att anta de tekniska standarder för tillsyn som avses i första stycket i enlighet med artiklarna <NOBR>10–14</NOBR> i förordning (EU) nr 1093/2010.</P>
<P class="p1452 ft196">5. EBA ska utarbeta ett förslag till tekniska standarder för genomförande för detaljerna och strukturen i den infor<SPAN class="ft213"> </SPAN>mation som ska lämnas enligt punkt 1, inklusive det gemensamma formatet och modellen för tillhandahållande av informationen.</P>
<P class="p1478 ft201">EBA ska lägga fram detta förslag till tekniska standarder för genomförande för kommissionen senast den 13 juli 2017.</P>
<P class="p1477 ft201">Kommissionen ska ges befogenhet att anta de tekniska standarder för genomförande som avses i första stycket i enlighet med artikel 15 i förordning (EU) nr 1093/2010.</P>
<P class="p1456 ft223">Artikel 16</P>
<P class="p1479 ft230">Upprätthållande av auktorisation</P>
<P class="p1413 ft194">Varje förändring som påverkar riktigheten av den information och de uppgifter som tillhandahållits i enlighet med artikel 5 ska av betalningsinstitutet utan onödigt dröjsmål meddelas de behöriga myndigheterna i hemmedlemsstaten.</P>
<P class="p1480 ft223">Artikel 17</P>
<P class="p1481 ft230">Redovisning och lagstadgad revision</P>
<P class="p1482 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Direktiv 86/635/EEG och 2013/34/EU samt Europaparlamentets och rådets förordning (EG) nr 1606/2002 (</SPAN><SPAN class="ft202">1</SPAN>) ska i tillämpliga delar vara tillämpligt på betalningsinstitut.</P>
<P class="p1452 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Om de inte är undantagna enligt direktiv 2013/34/EU och i tillämpliga fall direktiv 86/635/EEG, ska betalnings</SPAN><SPAN class="ft213"> </SPAN>institutens årsbokslut och sammanställda redovisning revideras av lagstadgade revisorer eller revisionsföretag i den mening som avses i direktiv 2006/43/EG.</P>
<P class="p1483 ft194"><SPAN class="ft203">3.</SPAN><SPAN class="ft237">För tillsynsändamål ska medlemsstaterna ställa krav på att betalningsinstitut lämnar separata redovisningsuppgifter om betaltjänster och om verksamhet enligt artikel 18.1 för vilken en revisionsberättelse ska lämnas. Denna revisions</SPAN><SPAN class="ft216"> </SPAN>berättelse ska i tillämpliga fall sammanställas av lagstadgade revisorer eller ett revisionsföretag.</P>
<P class="p1454 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">När det gäller betaltjänstverksamhet ska förpliktelser enligt artikel 63 i direktiv 2013/36/EU i tillämpliga delar också gälla betalningsinstitutens lagstadgade revisorer eller revisionsföretag.</SPAN></P>
<P class="p1456 ft223">Artikel 18</P>
<P class="p1484 ft230">Verksamhet</P>
<P class="p1301 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Utöver tillhandahållande av betaltjänster ska betalningsinstitut ha rätt att utöva följande verksamhet:</SPAN></P>
<P class="p1485 ft194"><SPAN class="ft203">a)</SPAN><SPAN class="ft241">Tillhandahållande av operativa och anknutna sidotjänster, exempelvis säkerställande av genomförandet av betalnings</SPAN><SPAN class="ft216"> </SPAN>transaktioner, valutaväxlingstjänster, förvaringsverksamhet samt lagring och behandling av uppgifter.</P>
<P class="p1486 ft194">(<SPAN class="ft207">1</SPAN>) Europaparlamentets och rådets förordning (EG) nr 1606/2002 av den 19 juli 2002 om tillämpning av internationella redovisnings<SPAN class="ft216"> </SPAN>standarder (EGT L 243, 11.9.2002, s. 1).</P>
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<TD class="tr20 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td364"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr20 td110"><P class="p146 ft57">Prop. 2017/18:77</P></TD>
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<TR>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td364"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td110"><P class="p146 ft57">Bilaga 1</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr22 td135"><P class="p1 ft194">L 337/70</P></TD>
<TD class="tr30 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr52 td369"><P class="p3 ft255"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD rowspan=2 class="tr22 td364"><P class="p432 ft201">Europeiska unionens officiella tidning</P></TD>
<TD rowspan=2 class="tr22 td137"><P class="p17 ft201">23.12.2015</P></TD>
<TD class="tr30 td230"><P class="p3 ft46"> </P></TD>
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<TR>
<TD class="tr41 td164"><P class="p3 ft256"> </P></TD>
<TD class="tr44 td369"><P class="p75 ft195">SV</P></TD>
<TD class="tr41 td11"><P class="p3 ft256"> </P></TD>
<TD class="tr41 td230"><P class="p3 ft256"> </P></TD>
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<TD class="tr14 td370"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td371"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td369"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td372"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td367"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td373"><P class="p3 ft197"> </P></TD>
<TD class="tr42 td230"><P class="p3 ft211"> </P></TD>
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<TR>
<TD class="tr29 td135"><P class="p1487 ft201">b)</P></TD>
<TD colspan=4 class="tr29 td374"><P class="p3 ft201">Drift av betalningssystem utan att det påverkar tillämpningen av artikel 35.</P></TD>
<TD class="tr29 td137"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr31 td135"><P class="p1487 ft201">c)</P></TD>
<TD colspan=3 class="tr31 td138"><P class="p1 ft201">Annan verksamhet</P></TD>
<TD class="tr31 td364"><P class="p3 ft194">än tillhandahållandet av betaltjänster, med hänsyn till tillämplig unionsrätt</P></TD>
<TD colspan=2 class="tr31 td110"><P class="p3 ft201">och nationell rätt.</P></TD>
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<P class="p1488 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">När betalningsinstitut tillhandahåller en eller flera av betaltjänsterna, får de endast ha betalkonton som uteslutande används för betalningstransaktioner.</SPAN></P>
<P class="p1489 ft196"><SPAN class="ft196">3.</SPAN><SPAN class="ft236">Eventuella medel som sådana betalningsinstitut tar emot från betaltjänstanvändare för att tillhandahålla betaltjänster ska inte betraktas som insättningar eller andra återbetalbara medel i den mening som avses i artikel 9 i direktiv 2013/36/EU eller elektroniska pengar enligt definitionen i artikel 2.2 i direktiv 2009/110/EG.</SPAN></P>
<P class="p1488 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Betalningsinstitut får bevilja kredit för betaltjänster som avses i punkterna 4 eller 5 i bilaga I endast om samtliga följande villkor är uppfyllda:</SPAN></P>
<P class="p1490 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">Kreditgivningen ska vara en sidoverksamhet och kredit ska beviljas endast i samband med genomförandet av en betalningstransaktion.</SPAN></P>
<P class="p1491 ft196"><SPAN class="ft194">b)</SPAN><SPAN class="ft233">Utan hinder av nationella bestämmelser om kreditgivning med kreditkort ska den kredit som beviljas i samband med en betalning och som genomförs i enlighet med artiklarna 11.9 och 28 återbetalas inom en kort tidsperiod som under inga omständigheter får överstiga tolv månader.</SPAN></P>
<P class="p1492 ft201">c) En sådan kredit får inte beviljas ur medel som erhållits eller innehas för att genomföra en betalningstransaktion.</P>
<P class="p1493 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">Betalningsinstitutet ska alltid ha en för tillsynsmyndigheterna tillfredställande kapitalbas med hänsyn till det totala kreditbelopp som är beviljat.</SPAN></P>
<P class="p1489 ft201"><SPAN class="ft201">5.</SPAN><SPAN class="ft231">Betalningsinstitut får inte bedriva verksamhet som består i att ta emot insättningar eller andra återbetalbara medel i den mening som avses i artikel 9 i direktiv 2013/36/EU.</SPAN></P>
<P class="p1489 ft196"><SPAN class="ft196">6.</SPAN><SPAN class="ft236">Det här direktivet ska inte påverka direktiv 2008/48/EG, annan tillämplig unionsrätt- eller nationella bestämmelser avseende villkor för beviljande av konsumentkrediter, som inte harmoniseras genom det här direktivet, som överens</SPAN><SPAN class="ft213"> </SPAN>stämmer med unionsrätten.</P>
<P class="p1494 ft201">A v s n i t t 2</P>
<P class="p1495 ft230">Ö v r i g a k r a v</P>
<P class="p1496 ft223">Artikel 19</P>
<P class="p1497 ft230">Användning av ombud, filialer eller enheter till vilka verksamhet utkontrakteras</P>
<P class="p1498 ft201">1. När ett betalningsinstitut avser att tillhandahålla betaltjänster via ett ombud ska det lämna följande information till de behöriga myndigheterna i sin hemmedlemsstat:</P>
<P class="p1499 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Ombudets namn och adress.</SPAN></P>
<P class="p1500 ft194"><SPAN class="ft194">b)</SPAN><SPAN class="ft244">En beskrivning av de mekanismer för intern kontroll som ombudet kommer att använda för att fullgöra skyldigheterna när det gäller penningtvätt och finansiering av terrorism enligt direktiv (EU) 2015/849, vilken ska uppdateras utan dröjsmål i händelse av betydande ändringar av de uppgifter som meddelades vid den ursprungliga anmälan.</SPAN></P>
<P class="p1501 ft194"><SPAN class="ft203">c)</SPAN><SPAN class="ft241">Identitetsuppgifter om direktörer och personer som svarar för ledningen av det ombud som ska användas för till</SPAN><SPAN class="ft216"> </SPAN>handahållande av betaltjänster samt, för andra ombud än betaltjänstleverantörer, styrkande av deras lämplighet.</P>
<P class="p1502 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">De av betalningsinstitutets betaltjänster som ombudet har mandat för.</SPAN></P>
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<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/71</P></TD>
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<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
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<P class="p1200 ft201">e) I tillämpliga fall ombudets unika identifikationskod eller identifikationsnummer.</P>
<P class="p1503 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Inom två månader efter mottagandet av den information som avses i punkt 1 ska den behöriga myndigheten i hemmedlemsstaten meddela betalningsinstitutet huruvida ombudet har förts in i registret enligt artikel 14 eller inte. Efter införandet i registret får ombudet börja tillhandahålla betaltjänster.</SPAN></P>
<P class="p1477 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Innan ombudet förs in i registret får de behöriga myndigheterna, om de bedömer att den information som de fått är felaktig, vidta ytterligare åtgärder för att kontrollera informationen.</SPAN></P>
<P class="p1454 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Om de behöriga myndigheterna efter kontroll av informationen inte är förvissade om att informationen som lämnats till dem enligt punkt 1 är korrekt, ska de vägra att införa ombudet i registret enligt artikel 14 och utan onödigt dröjsmål informera betalningsinstitutet om detta.</SPAN></P>
<P class="p1477 ft201"><SPAN class="ft201">5.</SPAN><SPAN class="ft231">Om betalningsinstitutet vill tillhandahålla betaltjänster i en annan medlemsstat genom att anlita ett ombud eller inrätta en filial ska det tillämpa de förfaranden som föreskrivs i artikel 28.</SPAN></P>
<P class="p1454 ft201"><SPAN class="ft201">6.</SPAN><SPAN class="ft231">Om ett betalningsinstitut avser att utkontraktera operativa betaltjänstfunktioner, ska det meddela detta till de behöriga myndigheterna i sin hemmedlemsstat.</SPAN></P>
<P class="p1454 ft201">Utkontraktering av viktiga operativa funktioner, inbegripet <NOBR>it-system,</NOBR> får inte ske på så sätt att det väsentligt försämrar kvaliteten på betalningsinstitutets interna kontroll och de behöriga myndigheternas möjligheter att övervaka och följa upp att betalningsinstitutet fullgör alla skyldigheter enligt detta direktiv.</P>
<P class="p1455 ft196">Vid tillämpningen av andra stycket ska en operativ funktion betraktas som viktig om ett fel eller en brist vid utförandet av denna väsentligt skulle försämra ett betalningsinstituts förmåga att fortsätta uppfylla villkoren i dess enligt denna avdelning begärda auktorisation, iaktta andra skyldigheter enligt detta direktiv, dess finansiella resultat eller dess betal<SPAN class="ft213"> </SPAN>tjänsters sundhet eller kontinuitet. Om betalningsinstitut utkontrakterar viktiga operativa funktioner ska medlemsstaterna säkerställa att betalningsinstituten uppfyller följande villkor:</P>
<P class="p1504 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Utkontraktering får inte leda till att den högsta ledningen delegerar sitt ansvar.</SPAN></P>
<P class="p1421 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Betalningsinstitutets förhållande till och skyldigheter gentemot sina betaltjänstanvändare enligt detta direktiv får inte förändras.</SPAN></P>
<P class="p1463 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">De villkor som betalningsinstitutet ska uppfylla för att bli och förbli auktoriserat enligt denna avdelning får inte undergrävas.</SPAN></P>
<P class="p1393 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">Inget av de andra villkoren enligt vilka betalningsinstitutets auktorisation beviljades ska upphävas eller ändras.</SPAN></P>
<P class="p1503 ft201"><SPAN class="ft201">7.</SPAN><SPAN class="ft231">Betalningsinstitut ska försäkra sig om att ombud eller filialer som agerar för deras räkning informerar betaltjäns</SPAN><SPAN class="ft82"> </SPAN>tanvändarna om detta.</P>
<P class="p1505 ft194"><SPAN class="ft194">8.</SPAN><SPAN class="ft237">Betalningsinstitut ska utan onödigt dröjsmål underrätta de behöriga myndigheterna i hemmedlemsstaten om even</SPAN><SPAN class="ft216"> </SPAN>tuella ändringar i användningen av enheter till vilka verksamheter utkontrakterats i enlighet med det förfarande som anges</P>
<P class="p1506 ft201"><SPAN class="ft194">i</SPAN><SPAN class="ft225">punkterna 2, 3 och 4, ombud, inbegripet ytterligare ombud.</SPAN></P>
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<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/72</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
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</TABLE>
<P class="p1507 ft223">Artikel 20</P>
<P class="p1508 ft230">Ansvar</P>
<P class="p1426 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Medlemsstaterna ska försäkra sig om att ett betalningsinstitut som anlitar tredje man för genomförandet av opera</SPAN><SPAN class="ft82"> </SPAN>tiva funktioner vidtar skäliga åtgärder för att säkerställa att kraven i detta direktiv är uppfyllda.</P>
<P class="p1315 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Medlemsstaterna ska kräva att betalningsinstitutet har fullt ansvar för de anställdas agerande eller för alla ombud, filialer eller enheter till vilka verksamhet utkontrakterats.</SPAN></P>
<P class="p1509 ft223">Artikel 21</P>
<P class="p1510 ft230">Bevarande av uppgifter</P>
<P class="p1426 ft201">Medlemsstaterna ska kräva att betalningsinstituten bevarar alla relevanta uppgifter enligt denna avdelning i minst fem år, utan att det påverkar tillämpningen av direktiv (EU) 2015/849 eller annan relevant unionsrätt.</P>
<P class="p1511 ft201">A v s n i t t 3</P>
<P class="p1512 ft230">B e h ö r i g a m y n d i g h e t e r o c h t i l l s y n</P>
<P class="p1513 ft223">Artikel 22</P>
<P class="p1514 ft230">Utseende av behöriga myndigheter</P>
<P class="p1449 ft196">1. Till behöriga myndigheter med ansvar för auktorisation och tillsyn av betalningsinstitut som ska utföra åliggandena enligt denna avdelning ska medlemsstaterna utse antingen offentliga myndigheter eller sådana organ som erkänns i nationell rätt eller av offentliga myndigheter som enligt nationell rätt uttryckligen har fått sådant bemyndigande, inklusive nationella centralbanker.</P>
<P class="p1466 ft196">De behöriga myndigheterna ska se till att de är oberoende av ekonomiska organ och undvika intressekonflikter. Utan att det påverkar tillämpningen av första stycket ska betalningsinstitut, kreditinstitut, institut för elektroniska pengar eller postgiroinstitut inte utses till behöriga myndigheter.</P>
<P class="p1308 ft201">Medlemsstaterna ska underrätta kommissionen om detta.</P>
<P class="p1466 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Medlemsstaterna ska se till att de enligt punkt 1 utsedda behöriga myndigheterna har alla befogenheter som de behöver för att fullgöra sina uppgifter.</SPAN></P>
<P class="p1515 ft196"><SPAN class="ft196">3.</SPAN><SPAN class="ft236">Medlemsstater på vilkas territorium det finns mer än en behörig myndighet för frågor som omfattas av denna avdelning, ska försäkra sig om att dessa myndigheter har ett nära samarbete, så att de kan genomföra sina uppgifter på ett effektivt sätt. Detsamma ska gälla om myndigheterna med behörighet i frågor enligt denna avdelning inte är behöriga myndigheter med ansvar för tillsyn av kreditinstitut.</SPAN></P>
<P class="p1466 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Ansvaret för de uppgifter som de enligt punkt 1 utsedda behöriga myndigheterna ska utföra ska ligga på hem</SPAN><SPAN class="ft82"> </SPAN>medlemsstatens behöriga myndigheter.</P>
<P class="p1516 ft194"><SPAN class="ft194">5.</SPAN><SPAN class="ft237">Punkt 1 ska inte medföra att de behöriga myndigheterna måste övervaka någon annan del av betalningsinstitutens affärsverksamhet än tillhandahållande av betaltjänster och de verksamheter som avses i artikel 18.1 a.</SPAN></P>
<P class="p1517 ft223">Artikel 23</P>
<P class="p1518 ft230">Tillsyn</P>
<P class="p1426 ft201">1. Medlemsstaterna ska se till att de kontroller som de behöriga myndigheterna genomför för att kontrollera löpande efterlevnad av denna avdelning är proportionerliga, tillräckliga och motsvarar de risker som betalningsinstituten är exponerade för.</P>
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<DIV id="dimg1">
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</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/73</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
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<P class="p1200 ft201">För att kontrollera att denna avdelning efterlevs ska de behöriga myndigheterna särskilt ha rätt att vidta följande åtgärder:</P>
<P class="p1461 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Kräva att betalningsinstitutet tillhandahåller all information som krävs för att övervaka efterlevnaden, med angivande av syftet med begäran, när så är lämpligt, och av den tidsfrist inom vilken informationen ska lämnas.</SPAN></P>
<P class="p1519 ft194"><SPAN class="ft194">b)</SPAN><SPAN class="ft244">Genomföra inspektion på plats på betalningsinstitutet, hos ombud eller filialer som tillhandahåller betaltjänster under betalningsinstitutets ansvar eller hos enheter till vilka betaltjänstverksamhet har utkontrakterats.</SPAN></P>
<P class="p1410 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">Utfärda rekommendationer och riktlinjer och, i tillämpliga fall, bindande administrativa bestämmelser.</SPAN></P>
<P class="p1321 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">Tillfälligt upphäva eller återkalla en auktorisation enligt artikel 13.</SPAN></P>
<P class="p1520 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Utan att det påverkar förfaranden för återkallande av auktorisationer och bestämmelser i straffrätt ska medlems</SPAN><SPAN class="ft213"> </SPAN>staterna svara för att deras behöriga myndigheter mot betalningsinstituten och mot dem som har ett bestämmande inflytande över betalningsinstitutens verksamhet, när dessa överträder bestämmelser i lagar och andra författningar om tillsyn av eller om verksamhet i form av betaltjänstverksamhet, kan besluta om sanktioner eller vidta åtgärder i syfte att särskilt avbryta observerade överträdelser eller orsakerna till sådana överträdelser.</P>
<P class="p1521 ft194"><SPAN class="ft194">3.</SPAN><SPAN class="ft237">Utan hinder av kraven i artiklarna 7, 8.1, 8.2 och 9 ska medlemsstaterna säkerställa att de behöriga myndigheterna har rätt att vidta de åtgärder som avses i punkt 1 i denna artikel för att se till att det finns ett tillräckligt kapital för att kunna genomföra betaltjänster, särskilt i de fall när den del av betalningsinstitutets verksamhet som inte avser betal</SPAN><SPAN class="ft216"> </SPAN>tjänster försämrar eller kan komma att försämra betalningsinstitutets finansiella sundhet.</P>
<P class="p1522 ft223">Artikel 24</P>
<P class="p1523 ft230">Tystnadsplikt</P>
<P class="p1482 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Medlemsstaterna ska se till att alla personer som arbetar eller har arbetat för de behöriga myndigheterna och experter som handlar på de behöriga myndigheternas vägnar är bundna av tystnadsplikt, utan att det påverkar fall som omfattas av straffrätt.</SPAN></P>
<P class="p1452 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Vid informationsutbytet enligt artikel 26 ska tystnadsplikt tillämpas strikt för att säkerställa skyddet av enskildas och företags rättigheter.</SPAN></P>
<P class="p1524 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Medlemsstaterna får tillämpa denna artikel med beaktande i tillämpliga delar av artiklarna </SPAN><NOBR>53–61</NOBR> i direktiv 2013/36/EU.</P>
<P class="p1525 ft223">Artikel 25</P>
<P class="p1526 ft230">Rätt till domstolsprövning</P>
<P class="p1420 ft194"><SPAN class="ft194">1.</SPAN><SPAN class="ft237">Medlemsstaterna ska se till att beslut som fattats av de behöriga myndigheterna avseende ett betalningsinstitut med stöd av de lagar och andra författningar som antagits i enlighet med detta direktiv får prövas i domstol.</SPAN></P>
<P class="p1410 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Punkt 1 ska även tillämpas på underlåtenhet att agera.</SPAN></P>
<P class="p1527 ft223">Artikel 26</P>
<P class="p1528 ft230">Utbyte av information</P>
<P class="p1482 ft201">1. Medlemsstaternas behöriga myndigheter ska samarbeta med varandra och, när så är lämpligt, med ECB och medlemsstaternas nationella centralbanker, EBA samt andra relevanta behöriga myndigheter som utsetts enligt unions<SPAN class="ft82"> </SPAN>rätten eller nationell rätt som är tillämplig på betaltjänstleverantörer.</P>
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<P class="p15 ft57">428</P>
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<DIV id="page_429">
<DIV id="dimg1">
<INGENBILD zsrc="H50377429x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/74</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1529 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Medlemsstaterna ska dessutom tillåta utbyte av information mellan sina behöriga myndigheter och följande organ:</SPAN></P>
<P class="p1471 ft201">a) Andra medlemsstaters behöriga myndigheter som ansvarar för auktorisation av och tillsyn över betalningsinstitut.</P>
<P class="p1446 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">ECB och medlemsstaternas nationella centralbanker i deras egenskap av monetära myndigheter och tillsynsmyndig</SPAN><SPAN class="ft82"> </SPAN>heter och, i förekommande fall, andra offentliga myndigheter med ansvar för tillsyn av betalnings- och avvecklings<SPAN class="ft82"> </SPAN>system.</P>
<P class="p1530 ft194"><SPAN class="ft203">c)</SPAN><SPAN class="ft257">Andra relevanta myndigheter som utses enligt detta direktiv, direktiv (EU) 2015/849 och annan unionsrätt som är tillämplig på betaltjänstleverantörer, exempelvis rätt avseende penningtvätt och finansiering av terrorism.</SPAN></P>
<P class="p1531 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft235">EBA, enligt dess uppdrag att bidra till att de tillsynsmekanismer som avses i artikel 1.5 a i förordning (EU) nr 1093/2010 fungerar enhetligt och konsekvent.</SPAN></P>
<P class="p1467 ft223">Artikel 27</P>
<P class="p1532 ft230">Lösande av tvister mellan behöriga myndigheter i olika medlemsstater</P>
<P class="p1314 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Om en behörig myndighet i en medlemsstat anser att det gränsöverskridande samarbetet med de behöriga myn</SPAN><SPAN class="ft213"> </SPAN>digheterna i en annan medlemsstat i ett visst ärende som avses i artiklarna 26, 28, 29, 30 eller 31 i detta direktiv inte överensstämmer med dessa bestämmelser, kan den hänskjuta ärendet till EBA och begära dess bistånd i enlighet med artikel 19 i förordning (EU) nr 1093/2010.</P>
<P class="p1533 ft194"><SPAN class="ft194">2.</SPAN><SPAN class="ft237">I fall där EBA:s bistånd har begärts, enligt punkt 1 i den här artikeln, ska EBA fatta ett beslut enligt artikel 19.3 i förordning (EU) nr 1093/2010 utan onödigt dröjsmål. EBA får också på eget initiativ bistå de behöriga myndigheterna med att nå fram till en överenskommelse i enlighet med artikel 19.1 andra stycket i den förordningen. I båda fallen ska de berörda behöriga myndigheterna avvakta med sina beslut i väntan på avgörande enligt artikel 19 i den förordningen.</SPAN></P>
<P class="p1534 ft223">Artikel 28</P>
<P class="p1535 ft230">Ansökan om utövande av etableringsrätten och friheten att tillhandahålla tjänster</P>
<P class="p1426 ft201">1. Ett auktoriserat betalningsinstitut som önskar tillhandahålla betaltjänster för första gången i en annan medlemsstat än hemmedlemsstaten genom att utöva etableringsrätten eller friheten att tillhandahålla tjänster ska lämna följande information till de behöriga myndigheterna i sin hemmedlemsstat:</P>
<P class="p1307 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">Betalningsinstitutets namn och adress samt, i tillämpliga fall, auktorisationsnummer.</SPAN></P>
<P class="p1286 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">I vilka medlemsstater det har för avsikt att bedriva verksamhet.</SPAN></P>
<P class="p1470 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">Vilka betaltjänster det kommer att tillhandahålla.</SPAN></P>
<P class="p1286 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft235">När betalningsinstitutet har för avsikt att använda ett ombud, den information som avses i artikel 19.1.</SPAN></P>
<P class="p1446 ft196"><SPAN class="ft203">e)</SPAN><SPAN class="ft232">När betalningsinstitutet har för avsikt att använda en filial, den information som avses i artikel 5.1 b och e när det gäller betaltjänstverksamheten i värdmedlemsstaten, en beskrivning av filialens organisatoriska struktur och vilka som är ansvariga för ledningen av filialen.</SPAN></P>
<P class="p1536 ft201">När ett betalningsinstitut avser att utkontraktera operativa betaltjänstfunktioner till andra enheter i värdmedlemsstaten ska det meddela detta till de behöriga myndigheterna i sin hemmedlemsstat.</P>
</DIV>
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<P class="p15 ft57">429</P>
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<DIV id="dimg1">
<INGENBILD zsrc="H50377430x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/75</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1452 ft201">2. Inom en månad efter mottagandet av all information som avses i punkt 1 ska de behöriga myndigheterna i hemmedlemsstaten skicka denna information till de behöriga myndigheterna i värdmedlemsstaten.</P>
<P class="p1537 ft194">Inom en månad efter mottagandet av informationen från de behöriga myndigheterna i hemmedlemsstaten ska de behöriga myndigheterna i värdmedlemsstaten, efter en bedömning av denna information, förse de behöriga myndighe<SPAN class="ft216"> </SPAN>terna i hemmedlemsstaten med relevant information i samband med det berörda betalningsinstitutets planerade till<SPAN class="ft216"> </SPAN>handahållande av betaltjänster inom ramen för etableringsfriheten eller friheten att tillhandahålla tjänster. De behöriga myndigheterna i värdmedlemsstaten ska informera de behöriga myndigheterna i hemmedlemsstaten, särskilt om alla rimliga skäl till farhågor i samband med det avsedda anlitandet av ett ombud eller inrättandet av en filial, när det gäller penningtvätt eller finansiering av terrorism i den mening som avses i direktiv (EU) 2015/849.</P>
<P class="p1454 ft201">När de behöriga myndigheterna i hemmedlemsstaten inte instämmer i bedömningen från de behöriga myndigheterna i värdmedlemsstaten ska de redogöra för skälen till sitt beslut för de sistnämnda.</P>
<P class="p1416 ft194">Om bedömningen från de behöriga myndigheterna i hemmedlemsstaten, särskilt mot bakgrund av den information som erhållits från de behöriga myndigheterna i värdmedlemsstaten, inte är positiv ska den behöriga myndigheten i hem<SPAN class="ft216"> </SPAN>medlemsstaten vägra att registrera ombudet eller filialen, eller återkalla registreringen om den redan har gjorts.</P>
<P class="p1538 ft194">3. Inom tre månader efter mottagandet av den information som avses i punkt 1 ska de behöriga myndigheterna i hemmedlemsstaten meddela sitt beslut till de behöriga myndigheterna i värdmedlemsstaten och till betalningsinstitutet.</P>
<P class="p1454 ft201">Efter det att ombudet eller filialen har införts i registret som avses i artikel 14 kan de inleda sin verksamhet i den berörda värdmedlemsstaten.</P>
<P class="p1539 ft196">Betalningsinstitutet ska underrätta de behöriga myndigheterna i värdmedlemsstaten om vilket datum det inleder sin verksamhet via ombudet eller filialen i den berörda värdmedlemsstaten. De behöriga myndigheterna i hemmedlemsstaten ska underrätta de behöriga myndigheterna i värdmedlemsstaten om detta.</P>
<P class="p1452 ft196"><SPAN class="ft196">4.</SPAN><SPAN class="ft236">Betalningsinstitutet ska utan onödigt dröjsmål underrätta de behöriga myndigheterna i hemmedlemsstaten om alla relevanta ändringar av den information som meddelas i enlighet med punkt 1, inbegripet ytterligare ombud, filialer eller enheter till vilka verksamheter utkontrakteras i de värdmedlemsstater där det bedriver verksamhet. Det förfarande som anges i punkterna 2 och 3 ska tillämpas.</SPAN></P>
<P class="p1452 ft206"><SPAN class="ft206">5.</SPAN><SPAN class="ft258">EBA ska utarbeta ett förslag till tekniska standarder för tillsyn för att ange ramen för samarbete, och för utbyte av information, mellan hemmedlemsstatens och värdmedlemsstatens behöriga myndigheter i enlighet med denna artikel. Detta förslag till tekniska standarder för tillsyn ska specificera metoder, medel och detaljer rörande samarbetet vid underrättelse om gränsöverskridande betalningsinstitut och särskilt den utbytta informationens omfattning och behand</SPAN><SPAN class="ft205"> </SPAN>ling, däribland gemensam terminologi samt standardiserade underrättelsemallar för att säkra ett konsekvent och effektivt underrättelseförfarande.</P>
<P class="p1201 ft201">EBA ska överlämna detta förslag till tekniska standarder för tillsyn till kommissionen senast den 13 januari 2018.</P>
<P class="p1540 ft201">Kommissionen ges befogenhet att anta de tekniska standarder för tillsyn som avses i första stycket i enlighet med förfarandet i artiklarna <NOBR>10–14</NOBR> i förordning (EU) nr 1093/2010.</P>
<P class="p1541 ft223">Artikel 29</P>
<P class="p1542 ft230">Tillsyn av betalningsinstitut som utövar etableringsrätten och friheten att tillhandahålla tjänster</P>
<P class="p1543 ft196">1. För att kunna genomföra de kontroller och vidta de nödvändiga åtgärder som föreskrivs i denna avdelning och i de bestämmelser i nationell rätt som införlivar avdelningarna III och IV, i överensstämmelse med artikel 100.4, beträffande i en annan medlemsstat etablerade ombud för eller filialer till ett betalningsinstitut ska de behöriga myndigheterna i hemmedlemsstaten samarbeta med värdmedlemsstatens behöriga myndigheter.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">430</P>
</DIV>
</DIV>
<DIV id="page_431">
<DIV id="dimg1">
<INGENBILD zsrc="H50377431x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/76</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1427 ft201">Genom samarbete enligt första stycket ska de behöriga myndigheterna i hemmedlemsstaten underrätta de behöriga myndigheterna i värdmedlemsstaten när de avser att genomföra en kontroll på plats inom den senares territorium.</P>
<P class="p1315 ft201">Uppgiften att genomföra kontroller på plats av de berörda instituten får de behöriga myndigheterna i hemmedlemsstaten dock delegera till de behöriga myndigheterna i värdmedlemsstaten.</P>
<P class="p1544 ft201">2. De behöriga myndigheterna i värdmedlemsstaten får kräva att betalningsinstitut som har ombud eller filialer inom deras territorier ska lämna periodiska rapporter om den verksamhet som bedrivs inom deras territorier.</P>
<P class="p1545 ft196">Dessa rapporter ska krävas för informations- eller statistikändamål och, när ombuden och filialerna genomför betaltjänst<SPAN class="ft213"> </SPAN>verksamheten inom ramen för etableringsrätten, för att övervaka efterlevnaden av de bestämmelser i nationell rätt som införlivar avdelningarna III och IV. Sådana ombud och filialer ska omfattas av krav på tystnadsplikt som minst är likvärdiga med de som avses i artikel 24.</P>
<P class="p1545 ft196"><SPAN class="ft196">3.</SPAN><SPAN class="ft236">De behöriga myndigheterna ska till varandra överlämna all väsentlig och/eller relevant information, särskilt vad gäller överträdelser eller misstänkta överträdelser från ombud eller filialer, och om sådana överträdelser har inträffat inom ramen för utövandet av friheten att tillhandahålla tjänster. De behöriga myndigheterna ska i detta avseende på begäran lämna all relevant information och på eget initiativ all väsentlig information, inbegripet om betalningsinstitutets efter</SPAN><SPAN class="ft213"> </SPAN>levnad av kraven i artikel 11.3.</P>
<P class="p1515 ft206"><SPAN class="ft206">4.</SPAN><SPAN class="ft258">Medlemsstaterna får kräva att betalningsinstitut som är verksamma på deras territorium via ombud inom ramen för etableringsrätten, vars huvudkontor är beläget i en annan medlemsstat ska utse en central kontaktpunkt på deras territorium för att säkerställa tillräcklig information om efterlevnaden av avdelningarna III och IV, utan att det påverkar några bestämmelser om förhindrande av penningtvätt och finansiering av terrorism, samt förenkla tillsynen genom de behöriga myndigheterna i hemmedlemsstaten och i värdmedlemsstaterna, inbegripet genom att på begäran förse de behöriga myndigheterna med handlingar och information.</SPAN></P>
<P class="p1451 ft194"><SPAN class="ft203">5.</SPAN><SPAN class="ft237">EBA ska utarbeta ett förslag till tekniska standarder för tillsyn för att specificera de kriterier som ska tillämpas vid fastställandet, i överensstämmelse med proportionalitetsprincipen, av de omständigheter under vilka inrättande av en central kontaktpunkt är lämpligt och vilka funktioner dessa centrala kontaktpunkter ska ha, i enlighet med punkt 4.</SPAN></P>
<P class="p1400 ft201">Förslaget till tekniska standarder för tillsyn ska i synnerhet beakta</P>
<P class="p1305 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">den totala volymen och det totala värdet för transaktioner som genomförs av betalningsinstitutet i värdmedlemsstaten,</SPAN></P>
<P class="p1305 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">den typ av betaltjänster som tillhandahålls, och</SPAN></P>
<P class="p1433 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">det totala antalet ombud som är etablerade i värdmedlemsstaten.</SPAN></P>
<P class="p1308 ft201">EBA ska överlämna detta förslag till tekniska standarder för tillsyn till kommissionen senast den 13 januari 2017.</P>
<P class="p1516 ft194">6. EBA ska utarbeta ett förslag till tekniska standarder för tillsyn för att ange ramen för samarbete, och för utbyte av information, mellan hemmedlemsstatens och värdmedlemsstatens behöriga myndigheter i enlighet med denna avdelning samt övervaka efterlevnaden av de bestämmelser i den nationella rätten som införlivar avdelningarna III och IV. Förslaget till tekniska standarder för tillsyn ska specificera metoder, medel och detaljer rörande samarbetet vid tillsynen av gräns<SPAN class="ft216"> </SPAN>överskridande betalningsinstitut och, särskilt, den utbytta informationens omfattning och behandling för att säkra en konsekvent och effektiv tillsyn över betalningsinstitut som tillhandahåller gränsöverskridande betaltjänster.</P>
<P class="p1428 ft201">I förslaget till tekniska standarder för tillsyn ska även metoder och detaljer specificeras när det gäller all rapportering som värdmedlemsstaterna kräver från betalningsinstituten om de betaltjänstverksamheter som utförs på deras territorier i enlighet med punkt 2, inbegripet tidsintervallen för denna rapportering.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">431</P>
</DIV>
</DIV>
<DIV id="page_432">
<DIV id="dimg1">
<INGENBILD zsrc="H50377432x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/77</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1200 ft201">EBA ska överlämna detta förslag till tekniska standarder för tillsyn till kommissionen senast den 13 januari 2018.</P>
<P class="p1546 ft201">7. Kommissionen ges befogenhet att anta de tekniska standarder för tillsyn som avses i punkterna 5 och 6 i enlighet med artiklarna 10<SPAN class="ft82">‒</SPAN>14 i förordning (EU) nr 1093/2010.</P>
<P class="p1547 ft223">Artikel 30</P>
<P class="p1548 ft230">Åtgärder vid bristande efterlevnad, inbegripet säkerhetsåtgärder</P>
<P class="p1543 ft196">1. Utan att det påverkar ansvaret för de behöriga myndigheterna i hemmedlemsstaten ska den behöriga myndigheten i värdmedlemsstaten om den konstaterar att ett betalningsinstitut med ombud eller filialer på dess territorium inte följer denna avdelning eller nationell lagstiftning som införlivar avdelning III eller IV utan dröjsmål informera den behöriga myndigheten i hemmedlemsstaten.</P>
<P class="p1549 ft194">Efter att ha utvärderat den mottagna informationen enligt första stycket ska den behöriga myndigheten i hemmedlems<SPAN class="ft216"> </SPAN>staten utan onödigt dröjsmål vidta alla lämpliga åtgärder för att garantera att det berörda betalningsinstitutet upphör att bryta mot bestämmelserna. Den behöriga myndigheten i hemmedlemsstaten ska utan dröjsmål informera den behöriga myndigheten i värdmedlemsstaten och de behöriga myndigheterna i alla andra berörda medlemsstater om dessa åtgärder.</P>
<P class="p1550 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">I krissituationer, där det krävs en omedelbar åtgärd för att ta itu med ett allvarligt hot mot de kollektiva intressena för betaltjänstanvändarna i värdmedlemsstaten, kan de behöriga myndigheterna i värdmedlemsstaten, parallellt med det gränsöverskridande samarbetet mellan de behöriga myndigheterna och i avvaktan på att de behöriga myndigheterna i hemmedlemsstaten vidtar åtgärder enligt artikel 29, vidta säkerhetsåtgärder.</SPAN></P>
<P class="p1409 ft196"><SPAN class="ft196">3.</SPAN><SPAN class="ft236">Alla säkerhetsåtgärder enligt punkt 2 ska vara lämpliga och proportionella med tanke på syftet, nämligen att skydda de kollektiva intressena för betaltjänstanvändarna i värdmedlemsstaten mot ett allvarligt hot. De får inte leda till att betaltjänstinstitutets betaltjänstanvändare i värdmedlemsstaten ges företräde framför betaltjänstinstitutets betaltjänstanvän</SPAN><SPAN class="ft213"> </SPAN>dare i andra medlemsstater.</P>
<P class="p1551 ft194">Säkerhetsåtgärder ska vara tillfälliga och avslutas när de allvarliga hot som upptäckts tas itu med, inbegripet med bistånd av eller i samarbete med de behöriga myndigheterna i hemmedlemsstaten eller EBA som anges i artikel 27.1.</P>
<P class="p1550 ft196">4. Om det är lämpligt mot bakgrund av krissituationen ska de behöriga myndigheterna i värdmedlemsstaten informera de behöriga myndigheterna i hemmedlemsstaten och i alla andra berörda medlemsstater, kommissionen och EBA i förväg, och under alla omständigheter utan onödigt dröjsmål, om de säkerhetsåtgärder som vidtas enligt punkt 2 och om motiveringen till dem.</P>
<P class="p1552 ft223">Artikel 31</P>
<P class="p1553 ft230">Motivering och meddelande</P>
<P class="p1554 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Varje åtgärd som vidtas av de behöriga myndigheterna enligt artiklarna 23, 28, 29 eller 30 och som innebär sanktioner eller inskränkningar i rätten att tillhandahålla tjänster eller etableringsrätten ska vara väl motiverad och meddelas till det berörda betalningsinstitutet.</SPAN></P>
<P class="p1555 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Artiklarna 28, 29 och 30 ska inte påverka de behöriga myndigheternas skyldighet enligt direktiv (EU) 2015/849 och förordning (EU) 2015/847, särskilt artikel 48.1 i direktiv (EU) 2015/849 och artikel 22.1 i förordning (EU) 2015/847, att utöva tillsyn över eller övervaka efterlevnaden av kraven enligt dessa rättsakter.</SPAN></P>
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<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
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<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/78</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
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<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
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<P class="p1556 ft201">A v s n i t t 4</P>
<P class="p1557 ft230">U n d a n t a g</P>
<P class="p1513 ft223">Artikel 32</P>
<P class="p1518 ft230">Villkor</P>
<P class="p1449 ft196">1. Medlemsstaterna får undanta eller tillåta sina behöriga myndigheter att undanta fysiska eller juridiska personer som tillhandahåller de betaltjänster som avses i punkterna <NOBR>1–6</NOBR> i bilaga I från tillämpningen av hela eller delar av de förfaranden och villkor som föreskrivs i avsnitten 1, 2 och 3, med undantag för artiklarna 14, 15, 22, 24, 25 och 26, om följande gäller:</P>
<P class="p1558 ft196"><SPAN class="ft203">a)</SPAN><SPAN class="ft232">Det månatliga genomsnittet av det totala värdet på de betalningstransaktioner under de föregående tolv månaderna som genomförts av den berörda personen, inklusive varje ombud som den tar fullt ansvar för, inte överstiger en gräns som fastställs av medlemsstaten, men som under alla omständigheter inte överstiger 3 miljoner EUR. Detta krav ska bedömas med hänsyn till de förväntade totala betalningstransaktionerna i den berörda personens affärsplan om inte de behöriga myndigheterna kräver en ändring i denna plan.</SPAN></P>
<P class="p1559 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">Ingen av de fysiska personer som ansvarar för ledningen eller driften av affärsverksamheten har dömts för brott som rör penningtvätt eller finansiering av terrorism eller annan ekonomisk brottslighet.</SPAN></P>
<P class="p1545 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Alla fysiska eller juridiska personer som är registrerade i enlighet med punkt 1 ska ha sitt huvudkontor eller sin hemvist i den medlemsstat där de faktiskt bedriver sin verksamhet.</SPAN></P>
<P class="p1515 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">De personer som avses i punkt 1 i den här artikeln ska behandlas på samma sätt som betalningsinstitut, men artiklarna 11.9, 28, 29 och 30 ska inte tillämpas på dem.</SPAN></P>
<P class="p1560 ft196"><SPAN class="ft196">4.</SPAN><SPAN class="ft236">Medlemsstaterna får också föreskriva att alla fysiska eller juridiska personer som är registrerade i enlighet med punkt</SPAN></P>
<P class="p1561 ft201"><SPAN class="ft201">1</SPAN><SPAN class="ft225">i den här artikeln endast får delta i vissa verksamheter enligt artikel 18.</SPAN></P>
<P class="p1545 ft196"><SPAN class="ft196">5.</SPAN><SPAN class="ft236">De personer som avses i punkt 1 i den här artikeln ska underrätta de behöriga myndigheterna om alla förändringar som har betydelse för det villkor som anges i den punkten. Om villkoren i punkt 1, 2 eller 4 i den här artikeln inte längre uppfylls, ska medlemsstaterna vidta nödvändiga åtgärder för att se till att de berörda personerna ansöker om auktorisation inom 30 kalenderdagar i enlighet med artikel 11.</SPAN></P>
<P class="p1315 ft201"><SPAN class="ft201">6.</SPAN><SPAN class="ft231">Punkterna </SPAN><NOBR>1–5</NOBR> i denna artikel ska inte tillämpas på direktiv (EU) 2015/849 eller på nationell rätt inom området bekämpning av penningtvätt.</P>
<P class="p1562 ft223">Artikel 33</P>
<P class="p1563 ft230">Leverantörer av kontoinformationstjänster</P>
<P class="p1314 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Fysiska eller juridiska personer som endast tillhandahåller de betaltjänster som avses i punkt 8 i bilaga I ska undantas från tillämpningen av det förfarande och de villkor som fastställs i avdelningarna 1 och 2, med undantag för artikel 5.1 a, b, </SPAN><NOBR>e–h,</NOBR> j, l, n, p och q, artikel 5.3 och artiklarna 14 och 15. Avsnitt 3 ska tillämpas, med undantag för artikel 23.3.</P>
<P class="p1564 ft194"><SPAN class="ft194">2.</SPAN><SPAN class="ft237">De personer som avses i punkt 1 ska behandlas som betalningsinstitut, förutom att avdelningarna III och IV inte ska tillämpas på dem, med undantag för artiklarna 41, 45 och 52, i tillämpliga fall, samt artiklarna 67, 69 och </SPAN><NOBR>95–98.</NOBR></P>
<P class="p1565 ft223">Artikel 34</P>
<P class="p1566 ft230">Anmälan och information</P>
<P class="p1567 ft194">Om en medlemsstat tillämpar ett undantag enligt artikel 32 ska den underrätta kommissionen om sitt beslut senast den 13 januari 2018 samt genast underrätta kommissionen om varje senare förändring. Medlemsstaten ska dessutom under<SPAN class="ft216"> </SPAN>rätta kommissionen om hur många fysiska och juridiska personer som berörs och på årsbasis om det totala värdet för genomförda betalningstransaktioner per den 31 december varje kalenderår enligt vad som avses i artikel 32.1 a.</P>
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<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/79</P></TD>
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<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
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<P class="p1456 ft215">KAPITEL 2</P>
<P class="p1526 ft252">Gemensamma bestämmelser</P>
<P class="p1568 ft223">Artikel 35</P>
<P class="p1459 ft230">Tillträde till betalningssystem</P>
<P class="p1413 ft194">1. När det gäller auktoriserade eller registrerade betaltjänstleverantörer som är juridiska personer ska medlemsstaterna försäkra sig om att tillträdesreglerna till betalningssystem är objektiva, <NOBR>icke-diskriminerande</NOBR> och proportionella, och att de inte hindrar tillträde i större utsträckning än vad som är nödvändigt för att skydda mot särskilda risker, som avveck<SPAN class="ft216"> </SPAN>lingsrisk, operativ risk och affärsrisk och för att skydda betalningssystemets finansiella och operativa stabilitet.</P>
<P class="p1503 ft201">Betalningssystem får inte innebära något av följande krav på betaltjänstleverantörer, betaltjänstanvändare eller andra betalningssystem:</P>
<P class="p1434 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Regler som begränsar faktiskt deltagande i andra betalningssystem.</SPAN></P>
<P class="p1463 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Regler som diskriminerar auktoriserade eller registrerade betaltjänstleverantörer i fråga om deltagarnas rättigheter, skyldigheter och befogenheter.</SPAN></P>
<P class="p1392 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">Begränsningar på grundval av institutets status.</SPAN></P>
<P class="p1393 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Punkt 1 ska inte gälla</SPAN></P>
<P class="p1321 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">betalningssystem som betecknats enligt direktiv 98/26/EG,</SPAN></P>
<P class="p1393 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">betalningssystem som uteslutande består av betaltjänstleverantörer som tillhör en koncern.</SPAN></P>
<P class="p1521 ft194">Vid tillämpning av första stycket led a ska medlemsstaterna säkerställa att, när en deltagare i ett betecknat system tillåter en auktoriserad eller registrerad betaltjänstleverantör som inte är deltagare i systemet att sända överföringsorder genom systemet, den deltagaren på begäran ska ge samma möjlighet på ett objektivt, proportionellt och <NOBR>icke-diskriminerande</NOBR> sätt till andra auktoriserade eller registrerade betaltjänstleverantörer i överensstämmelse med punkt 1.</P>
<P class="p1569 ft201">Deltagaren ska ge den begärande betaltjänstleverantören en fullständig motivering till ett eventuellt avslag.</P>
<P class="p1480 ft223">Artikel 36</P>
<P class="p1570 ft230">Tillträde till konton som hålls i ett kreditinstitut</P>
<P class="p1482 ft201">Medlemsstaterna ska se till att betalningsinstitut får tillgång till kreditinstitutens betalkontotjänster på objektiva, icke- diskriminerande och proportionella grunder. Denna tillgång ska vara tillräckligt omfattande för att betalningsinstituten ska kunna tillhandahålla betaltjänster på ett obehindrat och effektivt sätt.</P>
<P class="p1435 ft201">Kreditinstitutet ska ge den behöriga myndigheten vederbörligen motiverade skäl till ett eventuellt avslag.</P>
<P class="p1480 ft223">Artikel 37</P>
<P class="p1571 ft230">Förbud för andra än betaltjänstleverantörer att tillhandahålla betaltjänster och underrättelseskyldighet</P>
<P class="p1482 ft201">1. Medlemsstaterna ska förbjuda fysiska eller juridiska personer som varken är betaltjänstleverantörer eller uttryckligen är undantagna från detta direktivs tillämpningsområde från att tillhandahålla betaltjänster.</P>
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<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/80</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
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<P class="p1397 ft196">2. Medlemsstaterna ska kräva att tjänsteleverantörer som bedriver någon av verksamheterna som avses i artikel 3 k i och ii eller som bedriver båda, för vilka det sammanlagda värdet av de genomförda betalningstransaktionernas under de föregående 12 månaderna överstiger 1 miljon EUR, skickar en underrättelse till de behöriga myndigheterna med en beskrivning av de tillhandahållna tjänsterna och förtydligar inom ramen för vilket undantag som avses i artikel 3 k i och ii verksamheten anses bedrivas.</P>
<P class="p1572 ft196">På grundval av den underrättelsen ska den behöriga myndigheten fatta ett väl motiverat beslut på grundval av de kriterier som avses i artikel 3 k när verksamheten inte kan betecknas som ett begränsat nätverk och underrätta tjänsteleverantören om detta.</P>
<P class="p1397 ft196"><SPAN class="ft196">3.</SPAN><SPAN class="ft236">Medlemsstaterna ska kräva att tjänsteleverantörer som bedriver verksamhet enligt artikel 3 l skickar en underrättelse till de behöriga myndigheterna och förser de behöriga myndigheterna med ett årligt revisionsuttalande i vilket det bekräftas att verksamheten är förenlig med de gränser som fastställs i artikel 3 l.</SPAN></P>
<P class="p1432 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Trots vad som sägs i punkt 1 ska de behöriga myndigheterna informera EBA om de tjänster som anmälts i enlighet med punkt 2 och 3 samt inom ramen för vilket undantag verksamheten genomförs.</SPAN></P>
<P class="p1573 ft201"><SPAN class="ft201">5.</SPAN><SPAN class="ft231">Beskrivningen av de verksamheter som anmäls i enlighet med punkterna 2 och 3 i denna artikel ska offentliggöras i det register som avses i artiklarna 14 och 15.</SPAN></P>
<P class="p1574 ft194">AVDELNING III</P>
<P class="p1575 ft200">KLARHET OM VILLKOREN OCH INFORMATIONSKRAVEN FÖR BETALTJÄNSTER</P>
<P class="p1376 ft215">KAPITEL 1</P>
<P class="p1576 ft252">Allmänna regler</P>
<P class="p1376 ft223">Artikel 38</P>
<P class="p1310 ft230">Tillämpningsområde</P>
<P class="p1426 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Denna avdelning är tillämplig på enstaka betalningstransaktioner, ramavtal och sådana betalningstransaktioner som dessa omfattar. Parterna får avtala om att den helt eller delvis inte ska tillämpas, när betaltjänstanvändaren inte är en konsument.</SPAN></P>
<P class="p1431 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Medlemsstaterna får tillämpa bestämmelserna i denna avdelning på mikroföretag på samma sätt som på kon</SPAN><SPAN class="ft82"> </SPAN>sumenter.</P>
<P class="p1573 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Det här direktivet ska inte påverka tillämpningen av direktiv 2008/48/EG, annan tillämplig unionsrätt, eller natio</SPAN><SPAN class="ft82"> </SPAN>nella åtgärder avseende villkoren för beviljande av konsumentkrediter, som inte harmoniseras genom det här direktivet, som är i överensstämmelse med unionsrätten.</P>
<P class="p1577 ft223">Artikel 39</P>
<P class="p1578 ft230">Andra bestämmelser i unionsrätten</P>
<P class="p1382 ft201">Bestämmelserna i denna avdelning ska inte påverka sådan unionsrätt som innehåller ytterligare krav på förhandsinfor<SPAN class="ft82"> </SPAN>mation.</P>
<P class="p1579 ft194">Om direktiv 2002/65/EG också är tillämpligt ska emellertid de informationskrav som anges i artikel 3.1 i det direktivet, utom leden 2 <NOBR>c–g,</NOBR> 3 a, d och e samt 4 b i den punkten, ersättas med artiklarna 44, 45, 51 och 52 i detta direktiv.</P>
<P class="p1562 ft223">Artikel 40</P>
<P class="p1580 ft230">Informationsavgifter</P>
<P class="p1426 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Betaltjänstleverantören får inte ta ut någon avgift av betaltjänstanvändaren för tillhandahållande av information enligt denna avdelning.</SPAN></P>
<P class="p1573 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Betaltjänstleverantören och betaltjänstanvändaren får avtala om avgifter för extra eller frekventare information eller överföring med hjälp av andra kommunikationsmedel än dem som anges i ramavtalet, som tillhandahålls på betaltjäns</SPAN><SPAN class="ft82"> </SPAN>tanvändarens begäran.</P>
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<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/81</P></TD>
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<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
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<P class="p1452 ft201">3. När betaltjänstleverantören får ta ut avgifter för information i enlighet med punkt 2, ska avgifterna vara rimliga och stå i proportion till betaltjänstleverantörens faktiska kostnader.</P>
<P class="p1581 ft223">Artikel 41</P>
<P class="p1582 ft230">Bevisbörda för informationskrav</P>
<P class="p1482 ft201">Medlemsstaterna ska föreskriva att bevisbördan ligger på betaltjänstleverantören när det gäller att visa att denne har uppfyllt informationskraven i denna avdelning.</P>
<P class="p1583 ft223">Artikel 42</P>
<P class="p1584 ft230">Undantag från informationskraven för betalningsinstrument som avser låga belopp och elektroniska pengar</P>
<P class="p1482 ft201">1. När det gäller betalningsinstrument som enligt det berörda ramavtalet endast rör enskilda betalningstransaktioner på högst 30 EUR eller som har en utgiftströskel på 150 EUR eller lagrar medel som inte vid något tillfälle överstiger 150 EUR</P>
<P class="p1585 ft196"><SPAN class="ft203">a)</SPAN><SPAN class="ft233">ska betaltjänstleverantören genom undantag från artiklarna 51, 52 och 56 lämna betalaren information endast om betaltjänstens viktigaste kännetecken, inklusive hur betalningsinstrumentet kan användas, om ansvar, uttagna avgifter och annan väsentlig information som behövs för att fatta ett informerat beslut samt meddela var annan information och villkor enligt artikel 52 lätt kan hittas,</SPAN></P>
<P class="p1586 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">får man komma överens om att betaltjänstleverantören genom undantag från artikel 54 inte behöver föreslå ändringar av villkoren i ramavtalet på det sätt som föreskrivs i artikel 51.1,</SPAN></P>
<P class="p1464 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">får man komma överens om att betaltjänstleverantören genom undantag från artiklarna 57 och 58 efter genom</SPAN><SPAN class="ft82"> </SPAN>förandet av en betalningstransaktion</P>
<P class="p1587 ft194"><SPAN class="ft203">i)</SPAN><SPAN class="ft244">endast tillhandahåller eller gör tillgänglig en hänvisning som gör det möjligt för betaltjänstanvändaren att identifiera betalningstransaktionen, dess belopp, eventuella avgifter och/eller vid flera betalningstransaktioner av samma typ till samma betalningsmottagare, information om betalningstransaktionernas totalbelopp och totala avgifter,</SPAN></P>
<P class="p1588 ft194"><SPAN class="ft203">ii)</SPAN><SPAN class="ft244">inte behöver tillhandahålla eller göra tillgänglig information enligt led i om betalningsinstrumentet används ano</SPAN><SPAN class="ft216"> </SPAN>nymt eller om betaltjänstleverantören av andra skäl inte har tekniska möjligheter att tillhandahålla informationen. Betaltjänstleverantören ska emellertid ge betalaren möjlighet att kontrollera det lagrade beloppet.</P>
<P class="p1589 ft194">2. För nationella betalningstransaktioner får medlemsstaterna eller deras behöriga myndigheter sänka eller fördubbla beloppen enligt punkt 1. För förbetalda betalningsinstrument får medlemsstaterna höja dessa belopp till högst 500 EUR.</P>
<P class="p1590 ft215">KAPITEL 2</P>
<P class="p1591 ft252">Enstaka betalningstransaktioner</P>
<P class="p1568 ft223">Artikel 43</P>
<P class="p1592 ft230">Tillämpningsområde</P>
<P class="p1301 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Detta kapitel är tillämpligt på enstaka betalningstransaktioner som inte omfattas av ett ramavtal.</SPAN></P>
<P class="p1477 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">När en betalningsorder för en enstaka betalningstransaktion överförs med ett betalningsinstrument som omfattas av ett ramavtal, ska betaltjänstleverantören inte vara skyldig att lämna eller tillhandahålla sådan information som redan ges till betaltjänstanvändaren enligt ramavtalet med en annan betaltjänstleverantör eller som kommer att ges till denna användare enligt det ramavtalet.</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">436</P>
</DIV>
</DIV>
<DIV id="page_437">
<DIV id="dimg1">
<INGENBILD zsrc="H50377437x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/82</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1507 ft223">Artikel 44</P>
<P class="p1593 ft230">Allmän förhandsinformation</P>
<P class="p1594 ft206"><SPAN class="ft206">1.</SPAN><SPAN class="ft258">Medlemsstaterna ska kräva att betaltjänstleverantören innan betaltjänstanvändaren är bunden av ett avtal om en enstaka betaltjänst eller ett erbjudande om en sådan tjänst, ger betaltjänstanvändaren tillgång på ett lättåtkomligt sätt till den information och de villkor som närmare anges i artikel 45 med avseende på dennes egna tjänster. Betaltjänst</SPAN><SPAN class="ft205"> </SPAN>leverantören ska på betaltjänstanvändarens begäran tillhandahålla informationen och villkoren på papper eller något annat varaktigt medium. Informationen och villkoren ska vara enkla att förstå och uttryckas klart och lättbegripligt på ett språk som är officiellt språk i den medlemsstat där betaltjänsten erbjuds, eller på något annat språk som parterna kommit överens om.</P>
<P class="p1406 ft194"><SPAN class="ft203">2.</SPAN><SPAN class="ft237">Om avtalet om enstaka betaltjänst har ingåtts på betaltjänstanvändarens begäran med hjälp av en teknik för distanskommunikation som inte gör det möjligt för betaltjänstleverantören att uppfylla villkoren i punkt 1, ska denne uppfylla sina skyldigheter enligt den punkten omedelbart efter det att betalningstransaktionen har genomförts.</SPAN></P>
<P class="p1312 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Skyldigheterna enligt punkt 1 i denna artikel får även fullgöras genom tillhandahållande av en kopia av utkastet till avtalet om enstaka betaltjänst eller utkastet till betalningsordern med information och villkor som närmare anges i artikel 45.</SPAN></P>
<P class="p1595 ft223">Artikel 45</P>
<P class="p1596 ft230">Information och villkor</P>
<P class="p1382 ft201">1. Medlemsstaterna ska se till att betaltjänstleverantören lämnar eller gör följande information och villkor tillgängliga för betaltjänstanvändaren:</P>
<P class="p1597 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">En specifikation av den information eller unika identifikationskod som betaltjänstanvändaren ska ange för att en betalningsorder ska initieras eller genomföras korrekt.</SPAN></P>
<P class="p1598 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">Hur lång tid det maximalt tar att genomföra den betaltjänst som ska tillhandahållas.</SPAN></P>
<P class="p1304 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">Alla avgifter som betaltjänstanvändaren ska betala till betaltjänstleverantören och, i tillämpliga fall, en specificering av dessa avgifter.</SPAN></P>
<P class="p1598 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft235">I tillämpliga fall den faktiska växelkurs eller referensväxelkurs som ska gälla för betalningstransaktionen.</SPAN></P>
<P class="p1599 ft201">2. Dessutom ska medlemsstaterna se till att leverantörer av betalningsinitieringstjänster före initieringen till betalaren lämnar, eller gör tillgänglig, tydlig och utförlig information om följande:</P>
<P class="p1558 ft196"><SPAN class="ft203">a)</SPAN><SPAN class="ft232">Namnet på leverantören av betalningsinitieringstjänster, den geografiska adressen till dess huvudkontor och, i till</SPAN><SPAN class="ft213"> </SPAN>lämpliga fall, den geografiska adressen till dess ombud eller filial, etablerade i den medlemsstat där betaltjänsten erbjuds, samt alla andra kontaktuppgifter, inbegripet <NOBR>e-postadress,</NOBR> som är relevanta för kommunikation med leveran<SPAN class="ft213"> </SPAN>tören av betalningsinitieringstjänster.</P>
<P class="p1307 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Kontaktuppgifter för den behöriga myndigheten.</SPAN></P>
<P class="p1544 ft201">3. I tillämpliga fall ska betaltjänstanvändaren lätt kunna få tillgång till all annan relevant information och de villkor som anges i artikel 52.</P>
<P class="p1600 ft223">Artikel 46</P>
<P class="p1601 ft230">Information till betalaren och betalningsmottagaren efter initieringen av en betalningsorder</P>
<P class="p1445 ft194">När en betalningsorder initieras via en leverantör av betalningsinitieringstjänster ska leverantör av betalningsinitierings<SPAN class="ft216"> </SPAN>tjänster, utöver den information och de villkor som anges i artikel 45, till betalaren och i tillämpliga fall till betalnings<SPAN class="ft216"> </SPAN>mottagaren omedelbart efter initieringen tillhandahålla eller tillgängliggöra samtliga följande uppgifter:</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">437</P>
</DIV>
</DIV>
<DIV id="page_438">
<DIV id="dimg1">
<INGENBILD zsrc="H50377438x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/83</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1323 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">En bekräftelse av att betalningsordern initierats med betalarens kontoförvaltande betaltjänstleverantör.</SPAN></P>
<P class="p1602 ft196"><SPAN class="ft194">b)</SPAN><SPAN class="ft245">En referens som gör det möjligt för betalaren och betalningsmottagaren att identifiera betalningstransaktionen och, i förekommande fall, för betalningsmottagaren att identifiera betalaren samt all information som överförts tillsammans med betalningstransaktionen.</SPAN></P>
<P class="p1323 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">Betalningstransaktionens belopp.</SPAN></P>
<P class="p1603 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">I tillämpliga fall alla avgiftsbelopp som ska betalas till leverantören av betalningsinitieringstjänster för transaktionen och i tillämpliga fall en specificering av beloppen för sådana avgifter.</SPAN></P>
<P class="p1604 ft223">Artikel 47</P>
<P class="p1605 ft230">Information till betalarens kontoförvaltande betaltjänstleverantör vid en betalningsinitieringstjänst</P>
<P class="p1482 ft201">När en betalningsorder initieras via en leverantör av betalningsinitieringstjänster ska denne göra referensen för betal<SPAN class="ft82"> </SPAN>ningstransaktionen tillgänglig för betalarens kontoförvaltande betaltjänstleverantör.</P>
<P class="p1604 ft223">Artikel 48</P>
<P class="p1606 ft230">Information till betalaren efter mottagande av betalningsordern</P>
<P class="p1482 ft201">Omedelbart efter det att betalningsordern tagits emot ska betalarens kontoförvaltande betaltjänstleverantör på samma sätt som anges i artikel 44.1 med avseende på sina egna tjänster lämna eller göra samtliga följande uppgifter tillgängliga för betalaren:</P>
<P class="p1607 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">En referens som gör det möjligt för betalaren att identifiera betalningstransaktionen samt, i förekommande fall, information som avser betalningsmottagaren.</SPAN></P>
<P class="p1608 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Betalningstransaktionens belopp i den valuta som används i betalningsordern.</SPAN></P>
<P class="p1603 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">Betalningstransaktionens eventuella avgifter som betalaren ska betala och, i tillämpliga fall, en specificering av belop</SPAN><SPAN class="ft82"> </SPAN>pen för sådana avgifter.</P>
<P class="p1609 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">I tillämpliga fall den växelkurs som betalarens betaltjänstleverantör använde vid betalningstransaktionen eller också en referens till denna, om den skiljer sig från den kurs som fastställs i enlighet med artikel 45.1 d, samt betalnings</SPAN><SPAN class="ft82"> </SPAN>transaktionens belopp efter denna valutakonvertering.</P>
<P class="p1610 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft235">Den dag då betalningsordern togs emot.</SPAN></P>
<P class="p1611 ft223">Artikel 49</P>
<P class="p1612 ft230">Information till betalningsmottagaren efter genomförande</P>
<P class="p1554 ft196">Omedelbart efter det att betalningstransaktionen genomförts ska betalningsmottagarens betaltjänstleverantör på samma sätt som anges i artikel 44.1 med avseende på sina tjänster lämna eller göra samtliga följande uppgifter tillgängliga för betalningsmottagaren:</P>
<P class="p1602 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">En referens som gör det möjligt för betalningsmottagaren att identifiera betalningstransaktionen samt, i tillämpliga fall, betalaren och all information som överförts tillsammans med betalningstransaktionen.</SPAN></P>
<P class="p1613 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Betalningstransaktionens belopp i den valuta i vilken medlen står till betalningsmottagarens förfogande.</SPAN></P>
<P class="p1602 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">Betalningstransaktionens eventuella avgifter som betalaren ska betala och, i tillämpliga fall, en specificering av belop</SPAN><SPAN class="ft82"> </SPAN>pen för sådana avgifter.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">438</P>
</DIV>
</DIV>
<DIV id="page_439">
<DIV id="dimg1">
<INGENBILD zsrc="H50377439x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/84</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1423 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft235">I tillämpliga fall den växelkurs som betalningsmottagarens betaltjänstleverantör använder vid betalningstransaktionen samt betalningstransaktionens belopp före denna valutakonvertering.</SPAN></P>
<P class="p1598 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft234">Krediteringens valuteringsdag.</SPAN></P>
<P class="p1509 ft215">KAPITEL 3</P>
<P class="p1614 ft252">Ramavtal</P>
<P class="p1376 ft223">Artikel 50</P>
<P class="p1615 ft230">Tillämpningsområde</P>
<P class="p1616 ft201">Detta kapitel ska tillämpas på betalningstransaktioner som omfattas av ett ramavtal.</P>
<P class="p1507 ft223">Artikel 51</P>
<P class="p1617 ft230">Allmän förhandsinformation</P>
<P class="p1594 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Medlemsstaterna ska kräva att betaltjänstleverantören, på papper eller på något annat varaktigt medium, lämnar den information och de villkor som anges i artikel 52 till betaltjänstanvändaren, i god tid innan betaltjänstanvändaren binds av något ramavtal eller erbjudande. Informationen och villkoren ska vara enkla att förstå och uttryckas klart och lätt</SPAN><SPAN class="ft213"> </SPAN>begripligt på ett språk som är officiellt språk i den medlemsstat där betaltjänsten erbjuds, eller på något annat språk som parterna kommit överens om.</P>
<P class="p1564 ft194"><SPAN class="ft203">2.</SPAN><SPAN class="ft237">Om ramavtalet har ingåtts på begäran av betaltjänstanvändaren med hjälp av en teknik för distanskommunikation som inte gör det möjligt för betaltjänstleverantören att uppfylla villkoren i punkt 1, ska betaltjänstleverantören fullgöra sina skyldigheter enligt den punkten omedelbart efter det att ramavtalet har ingåtts.</SPAN></P>
<P class="p1312 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Skyldigheterna enligt punkt 1 får också fullgöras genom tillhandahållande av en kopia av utkastet till ramavtal som innehåller den information och de villkor som anges i artikel 52.</SPAN></P>
<P class="p1595 ft223">Artikel 52</P>
<P class="p1618 ft230">Information och villkor</P>
<P class="p1616 ft201">Medlemsstaterna ska se till att följande information och villkor lämnas till betaltjänstanvändaren:</P>
<P class="p1529 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft225">Om betaltjänstleverantören:</SPAN></P>
<P class="p1619 ft194"><SPAN class="ft203">a)</SPAN><SPAN class="ft241">Namnet på betaltjänstleverantören, den geografiska adressen till dess huvudkontor och, i tillämpliga fall, den geografiska adressen till dess ombud eller filial, etablerade i den medlemsstat där betaltjänsten erbjuds, samt alla andra adresser, inbegripet </SPAN><NOBR>e-postadress,</NOBR> som är relevanta för kommunikation med betaltjänstleverantören.</P>
<P class="p1620 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">Uppgifter om relevanta tillsynsmyndigheter och om det register som avses i artikel 14 eller annat relevant offentligt register med uppgift om betaltjänstleverantörens auktorisation samt registreringsnummer eller motsvarande uppgift för identifiering i det registret.</SPAN></P>
<P class="p1560 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft225">Om användning av betaltjänsten:</SPAN></P>
<P class="p1621 ft201"><SPAN class="ft201">a)</SPAN><SPAN class="ft235">En beskrivning av huvuddragen i den betaltjänst som tillhandahålls.</SPAN></P>
<P class="p1622 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">En specifikation av den information eller unika identifikationskod som betaltjänstanvändaren måste ange för att en betalningsorder ska initieras eller genomföras korrekt.</SPAN></P>
<P class="p1623 ft194"><SPAN class="ft203">c)</SPAN><SPAN class="ft257">Vilken form och vilket förfarande som används för att godkänna initiering av en betalningsorder eller genomföra en betalningstransaktion och återkallande av detta godkännande i enlighet med artiklarna 64 och 80.</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">439</P>
</DIV>
</DIV>
<DIV id="page_440">
<DIV id="dimg1">
<INGENBILD zsrc="H50377440x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/85</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1624 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">En hänvisning till tidpunkten för mottagande av en betalningsorder i enlighet med artikel 78 och den eventuella bryttidpunkt som betaltjänstleverantören fastställt.</SPAN></P>
<P class="p1625 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft235">Hur lång tid det maximalt tar att genomföra de betaltjänster som ska tillhandahållas.</SPAN></P>
<P class="p1626 ft201"><SPAN class="ft201">f)</SPAN><SPAN class="ft234">Om det finns möjlighet att avtala om utgiftströsklar för användningen av betalningsinstrumentet i enlighet med artikel 68.1.</SPAN></P>
<P class="p1627 ft201"><SPAN class="ft194">g)</SPAN><SPAN class="ft225">När det gäller kortbaserade betalningsinstrument med </SPAN><NOBR>co-badging,</NOBR> betaltjänstanvändarens rättigheter enligt artikel 8 i förordning (EU) 2015/751.</P>
<P class="p1323 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft225">Om avgifter, ränta och växelkurser:</SPAN></P>
<P class="p1628 ft196"><SPAN class="ft203">a)</SPAN><SPAN class="ft233">Alla avgifter som betaltjänstanvändaren ska betala till betaltjänstleverantören, inbegripet dem med anknytning till på vilket sätt och inom vilka intervall information enligt detta direktiv tillhandahålls eller görs tillgänglig och, i tillämpliga fall, en specificering av sådana avgiftsbelopp.</SPAN></P>
<P class="p1628 ft196"><SPAN class="ft194">b)</SPAN><SPAN class="ft245">I tillämpliga fall de räntesatser och växelkurser som ska tillämpas eller, om referensräntesatsen och referensväx</SPAN><SPAN class="ft213"> </SPAN>elkursen ska användas, metoden för beräkning av den faktiska räntan samt relevant dag och index eller underlag för att bestämma en sådan referensräntesats eller referensväxelkurs.</P>
<P class="p1629 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">Omedelbar tillämpning, om sådan avtalats, av förändringar av referensräntesatsen eller referensväxelkursen samt informationskrav i samband med förändringarna i enlighet med artikel 54.2.</SPAN></P>
<P class="p1323 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft225">Om kommunikation:</SPAN></P>
<P class="p1629 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">I tillämpliga fall den kommunikationsteknik som parterna kommit överens om för att överföra information eller underrättelser enligt detta direktiv, inbegripet de tekniska kraven på betaltjänstanvändarens utrustning och pro</SPAN><SPAN class="ft82"> </SPAN>gramvara.</P>
<P class="p1630 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">På vilket sätt och hur ofta information enligt detta direktiv ska lämnas eller göras tillgänglig.</SPAN></P>
<P class="p1631 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">Det eller de språk som ramavtalet ska ingås på och på vilket eller vilka kommunikationen under detta avtals</SPAN><SPAN class="ft82"> </SPAN>förhållande ska ske.</P>
<P class="p1624 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">Betaltjänstanvändarens rätt att erhålla ramavtalets avtalsvillkor samt information och villkor i enlighet med arti</SPAN><SPAN class="ft82"> </SPAN>kel 53.</P>
<P class="p1323 ft201"><SPAN class="ft201">5.</SPAN><SPAN class="ft225">Om skydds- och korrigeringsåtgärder:</SPAN></P>
<P class="p1629 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">I tillämpliga fall en beskrivning av de åtgärder som betaltjänstanvändaren ska vidta för att skydda ett betalnings</SPAN><SPAN class="ft82"> </SPAN>instrument och av hur betaltjänstleverantören ska underrättas i enlighet med artikel 69.1 b.</P>
<P class="p1624 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Ett säkert förfarande genom vilket betaltjänstanvändaren underrättas av betaltjänstleverantören i händelse av miss</SPAN><SPAN class="ft82"> </SPAN>tänkt eller faktiskt bedrägeri eller säkerhetshot.</P>
<P class="p1624 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">Om så avtalats, på vilka villkor betaltjänstleverantören förbehåller sig rätten att blockera ett betalningsinstrument i enlighet med artikel 68.</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">440</P>
</DIV>
</DIV>
<DIV id="page_441">
<DIV id="dimg1">
<INGENBILD zsrc="H50377441x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/86</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1621 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft235">Betalarens ansvar i enlighet med artikel 74, inbegripet information om det relevanta beloppet.</SPAN></P>
<P class="p1632 ft194"><SPAN class="ft203">e)</SPAN><SPAN class="ft257">Hur och inom vilken tidsfrist betaltjänstanvändaren ska underrätta betaltjänstleverantören om icke auktoriserade eller felaktigt initierade eller genomförda betalningstransaktioner i enlighet med artikel 71 samt betaltjänstleveran</SPAN><SPAN class="ft216"> </SPAN>törens ansvar för icke auktoriserade betalningstransaktioner i enlighet med artikel 73.</P>
<P class="p1633 ft201"><SPAN class="ft201">f)</SPAN><SPAN class="ft227">Betaltjänstleverantörens ansvar för initiering eller genomförande av betalningstransaktioner i enlighet med arti</SPAN><SPAN class="ft82"> </SPAN>kel 89.</P>
<P class="p1634 ft201"><SPAN class="ft194">g)</SPAN><SPAN class="ft235">Villkoren för återbetalning i enlighet med artiklarna 76 och 77.</SPAN></P>
<P class="p1402 ft201"><SPAN class="ft201">6.</SPAN><SPAN class="ft225">Om ändringar i, och avslutande av, ramavtalet:</SPAN></P>
<P class="p1635 ft201"><SPAN class="ft201">a)</SPAN><SPAN class="ft235">Om så avtalats, information om att betaltjänstanvändaren ska anses ha godkänt de ändrade villkoren i enlighet med artikel 54, om betaltjänstanvändaren inte före den dag då de föreslås träda i kraft underrättar betaltjänstleveran</SPAN><SPAN class="ft82"> </SPAN>tören om att de inte godkänns.</P>
<P class="p1636 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">Ramavtalets löptid.</SPAN></P>
<P class="p1635 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">Betaltjänstanvändarens rätt att avsluta ramavtalet och eventuella avtal som rör avslutandet i enlighet med artiklarna 54.1 och 55.</SPAN></P>
<P class="p1286 ft201"><SPAN class="ft201">7.</SPAN><SPAN class="ft225">Om tvistlösning:</SPAN></P>
<P class="p1637 ft201"><SPAN class="ft201">a)</SPAN><SPAN class="ft235">Eventuella avtalsbestämmelser om tillämplig lag för ramavtalet och/eller behöriga domstolar.</SPAN></P>
<P class="p1637 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">Förfaranden för alternativ tvistlösning som betaltjänstanvändaren kan använda i enlighet med artiklarna </SPAN><NOBR>99–102.</NOBR></P>
<P class="p1638 ft223">Artikel 53</P>
<P class="p1419 ft230">Tillgång till information och villkor i ramavtalet</P>
<P class="p1426 ft201">Under avtalsförhållandet ska betaltjänstanvändaren när som helst ha rätt att på begäran erhålla ramavtalets avtalsvillkor samt informationen och villkoren enligt artikel 52 på papper eller något annat varaktigt medium.</P>
<P class="p1639 ft223">Artikel 54</P>
<P class="p1640 ft230">Förändringar av villkoren i ramavtalet</P>
<P class="p1567 ft194">1. Senast två månader före den dag som de föreslås börja tillämpas ska betaltjänstleverantören föreslå eventuella ändringar av ramavtalet eller av informationen och villkoren enligt artikel 52, på samma sätt som anges i artikel 51.1. Betaltjänstanvändaren kan antingen godkänna eller förkasta ändringarna före den dag då de föreslås träda i kraft.</P>
<P class="p1466 ft196">I tillämpliga fall ska betaltjänstleverantören i enlighet med artikel 52.6 a meddela betaltjänstanvändaren att han eller hon anses ha godkänt dessa ändringar om han eller hon inte före den dag då de föreslås träda i kraft underrättar betaltjänst<SPAN class="ft213"> </SPAN>leverantören om att de inte godkänns. Betaltjänstleverantören ska också informera betaltjänstanvändaren om att ifall betaltjänstanvändaren förkastar dessa ändringar har betaltjänstanvändaren rätt att avgiftsfritt avsluta ramavtalet när som helst fram till den dag då ändringarna skulle ha tillämpats.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">441</P>
</DIV>
</DIV>
<DIV id="page_442">
<DIV id="dimg1">
<INGENBILD zsrc="H50377442x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/87</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1641 ft194"><SPAN class="ft194">2.</SPAN><SPAN class="ft237">Ändringar av räntesatser eller växelkurser får tillämpas omedelbart och utan underrättelse, om denna rättighet har avtalats i ramavtalet och om ändringarna av räntesatserna eller växelkurserna grundas på den avtalade referensräntesatsen eller referensväxelkursen i enlighet med artikel 52.3 b och c. Betaltjänstanvändaren ska snarast möjligt informeras om alla ändringar av räntesatsen på samma sätt som anges i artikel 51.1, såvida inte parterna har avtalat att informationen ska lämnas eller göras tillgänglig med en viss regelbundenhet eller på ett visst sätt. Ändringar av räntesatsen eller växelkursen som är mer fördelaktiga för betaltjänstanvändarna får dock tillämpas utan underrättelse.</SPAN></P>
<P class="p1417 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Ändringar av den räntesats eller växelkurs som används vid betalningstransaktioner ska genomföras och beräknas med en neutral metod som inte diskriminerar betaltjänstanvändare.</SPAN></P>
<P class="p1581 ft223">Artikel 55</P>
<P class="p1642 ft230">Avslutande</P>
<P class="p1643 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Betaltjänstanvändaren får när som helst avsluta ramavtalet, såvida inte parterna har avtalat om en uppsägningstid. Uppsägningstiden får inte överstiga en månad.</SPAN></P>
<P class="p1524 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Att avsluta ramavtalet ska vara kostnadsfritt för betaltjänstanvändaren, utom när avtalet har varit i kraft kortare tid än sex månader. Alla eventuella avgifter för avslutande av ramavtalet ska vara rimliga och stå i proportion till kost</SPAN><SPAN class="ft82"> </SPAN>naderna.</P>
<P class="p1539 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Betaltjänstleverantören får med minst två månaders uppsägningstid på samma sätt som föreskrivs i artikel 51.1 avsluta ett ramavtal som ingåtts på obestämd tid, förutsatt att detta avtalats i ramavtalet.</SPAN></P>
<P class="p1524 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Regelbundet uttagna betaltjänstavgifter ska betaltjänstanvändaren endast betala proportionellt mot tiden fram till det att avtalet avslutas. Om sådana avgifter har betalats i förväg, ska de återbetalas proportionellt.</SPAN></P>
<P class="p1477 ft201"><SPAN class="ft201">5.</SPAN><SPAN class="ft231">Bestämmelserna i denna artikel påverkar inte medlemsstaternas lagar och andra författningar om parternas rätt att förklara att ramavtalet inte är verkställbart eller att det är ogiltigt.</SPAN></P>
<P class="p1392 ft201"><SPAN class="ft201">6.</SPAN><SPAN class="ft231">Medlemsstaterna får föreskriva förmånligare bestämmelser för betaltjänstanvändarna.</SPAN></P>
<P class="p1527 ft223">Artikel 56</P>
<P class="p1644 ft230">Information innan enskilda betalningstransaktioner genomförs</P>
<P class="p1645 ft194">Om en enskild betalningstransaktion som omfattas av ett ramavtal initierats av betalaren, ska en betaltjänstleverantör på betalarens begäran för denna specifika betalningstransaktion lämna explicit information om allt följande:</P>
<P class="p1646 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Den maximala genomförandetiden.</SPAN></P>
<P class="p1321 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">De avgifter som ska betalas av betalaren.</SPAN></P>
<P class="p1393 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">I tillämpliga fall en specificering av alla avgiftsbelopp.</SPAN></P>
<P class="p1480 ft223">Artikel 57</P>
<P class="p1647 ft230">Information till betalaren om enskilda betalningstransaktioner</P>
<P class="p1413 ft194">1. Efter det att den enskilda betalningstransaktionens belopp har debiterats betalarens konto, eller efter mottagande av betalningsordern om betalaren inte använder något betalkonto, ska betalarens betaltjänstleverantör utan onödigt dröjsmål och på samma sätt som föreskrivs i artikel 51.1 ge betalaren information om allt följande:</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">442</P>
</DIV>
</DIV>
<DIV id="page_443">
<DIV id="dimg1">
<INGENBILD zsrc="H50377443x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/88</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1423 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">En referens som gör det möjligt för betalaren att identifiera varje betalningstransaktion samt, i förekommande fall, information om betalningsmottagaren.</SPAN></P>
<P class="p1306 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">Betalningstransaktionens belopp i den valuta i vilken betalarens betalkonto debiteras eller i den valuta som används för betalningsordern.</SPAN></P>
<P class="p1306 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">Betalningstransaktionens avgifter och, i tillämpliga fall, en specificering av det avgiftsbelopp eller av den ränta som betalaren ska betala.</SPAN></P>
<P class="p1306 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft235">I tillämpliga fall den växelkurs som betalarens betaltjänstleverantör tillämpar vid betalningstransaktionen samt betal</SPAN><SPAN class="ft82"> </SPAN>ningstransaktionens belopp efter denna valutakonvertering.</P>
<P class="p1305 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft234">Debiteringens valuteringsdag eller den dag då betalningsordern togs emot.</SPAN></P>
<P class="p1398 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Ramavtal ska innehålla ett villkor om att betalaren kan kräva att informationen enligt punkt 1 regelbundet ska lämnas eller göras tillgänglig minst en gång i månaden, avgiftsfritt och på ett överenskommet sätt så att betalaren kan lagra och återskapa informationen i oförändrad form.</SPAN></P>
<P class="p1315 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Medlemsstaterna får emellertid kräva att betaltjänstleverantörerna minst en gång i månaden avgiftsfritt lämnar denna information på papper eller på ett annat varaktigt medium.</SPAN></P>
<P class="p1565 ft223">Artikel 58</P>
<P class="p1648 ft230">Information till betalningsmottagaren om enskilda betalningstransaktioner</P>
<P class="p1649 ft194">1. När en enskild betalningstransaktion genomförts ska betalningsmottagarens betaltjänstleverantör utan onödigt dröjs<SPAN class="ft216"> </SPAN>mål och på samma sätt som föreskrivs i artikel 51.1 ge betalningsmottagaren information om allt följande:</P>
<P class="p1650 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">En referens som gör det möjligt för betalningsmottagaren att identifiera betalningstransaktionen och betalaren samt all information som överförts tillsammans med betalningstransaktionen.</SPAN></P>
<P class="p1305 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">Betalningstransaktionens belopp i den valuta i vilken betalningsmottagarens betalkonto krediteras.</SPAN></P>
<P class="p1651 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">Betalningstransaktionens avgifter och, i tillämpliga fall, en specificering av de avgiftsbelopp eller av den ränta som ska betalas av betalningsmottagaren.</SPAN></P>
<P class="p1306 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft235">I tillämpliga fall den växelkurs som betalningsmottagarens betaltjänstleverantör använder vid betalningstransaktionen samt betalningstransaktionens belopp före denna valutakonvertering.</SPAN></P>
<P class="p1305 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft234">Krediteringens valuteringsdag.</SPAN></P>
<P class="p1398 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Ramavtal får innehålla ett villkor om att informationen enligt punkt 1 regelbundet ska ges eller göras tillgänglig minst en gång i månaden och på ett överenskommet sätt så att betalningsmottagaren kan lagra och återskapa infor</SPAN><SPAN class="ft82"> </SPAN>mationen i oförändrad form.</P>
<P class="p1315 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Medlemsstaterna får emellertid kräva att betaltjänstleverantörerna minst en gång i månaden avgiftsfritt tillhanda</SPAN><SPAN class="ft82"> </SPAN>håller denna information på papper eller via ett annat varaktigt medium.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">443</P>
</DIV>
</DIV>
<DIV id="page_444">
<DIV id="dimg1">
<INGENBILD zsrc="H50377444x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/89</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1456 ft215">KAPITEL 4</P>
<P class="p1526 ft252">Gemensamma bestämmelser</P>
<P class="p1568 ft223">Artikel 59</P>
<P class="p1652 ft230">Valuta och valutakonvertering</P>
<P class="p1301 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Betalningarna ska göras i den valuta som parterna kommit överens om.</SPAN></P>
<P class="p1653 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">När en valutakonverteringstjänst erbjuds före initieringen av betalningstransaktionen och om denna tjänst erbjuds i en uttagsautomat, på försäljningsstället eller av betalningsmottagaren, ska den part som erbjuder betalaren valutakon</SPAN><SPAN class="ft213"> </SPAN>verteringstjänsten för betalaren uppge alla avgifter samt den växelkurs som ska användas för konvertering av betalnings<SPAN class="ft213"> </SPAN>transaktionen.</P>
<P class="p1654 ft201">Betalaren ska godkänna valutakonverteringstjänsten på denna grundval.</P>
<P class="p1568 ft223">Artikel 60</P>
<P class="p1655 ft230">Information om extra avgifter eller nedsättning</P>
<P class="p1413 ft194"><SPAN class="ft194">1.</SPAN><SPAN class="ft237">När betalningsmottagaren begär en avgift eller erbjuder en nedsättning vid användning av ett visst betalnings</SPAN><SPAN class="ft216"> </SPAN>instrument, ska betalningsmottagaren underrätta betalaren om detta innan betalningstransaktionen initieras.</P>
<P class="p1656 ft194"><SPAN class="ft194">2.</SPAN><SPAN class="ft237">När betaltjänstleverantören eller en annan part som medverkar i transaktionen begär en avgift för användning av ett visst betalningsinstrument, ska denne underrätta betaltjänstanvändaren om detta innan betalningstransaktionen initieras.</SPAN></P>
<P class="p1520 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Betalaren ska vara skyldig att betala de avgifter som avses i punkterna 1 och 2 endast om deras fullständiga belopp tillkännagavs före initieringen av betalningstransaktionen.</SPAN></P>
<P class="p1657 ft194">AVDELNING IV</P>
<P class="p1318 ft259">RÄTTIGHETER OCH SKYLDIGHETER MED AVSEENDE PÅ TILLHANDAHÅLLANDE OCH ANVÄNDNING AV</P>
<P class="p1658 ft200">BETALTJÄNSTER</P>
<P class="p1568 ft215">KAPITEL 1</P>
<P class="p1526 ft252">Gemensamma bestämmelser</P>
<P class="p1568 ft223">Artikel 61</P>
<P class="p1659 ft230">Tillämpningsområde</P>
<P class="p1413 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Om betaltjänstanvändaren inte är konsument får betaltjänstanvändaren och betaltjänstleverantören avtala om att artiklarna 62.1, 64.3, 72, 74, 76, 77, 80 och 89 helt eller delvis inte ska vara tillämpliga. Betaltjänstanvändaren och betaltjänstleverantören får även avtala om en andra tidsfrister än de som fastställs i artikel 71.</SPAN></P>
<P class="p1660 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Medlemsstaterna får föreskriva att artikel 102 inte ska tillämpas om betaltjänstanvändaren inte är konsument.</SPAN></P>
<P class="p1453 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Medlemsstaterna får föreskriva att bestämmelserna i denna avdelning ska tillämpas på mikroföretag på samma sätt som på konsumenter.</SPAN></P>
<P class="p1653 ft196"><SPAN class="ft196">4.</SPAN><SPAN class="ft236">Detta direktiv ska inte påverka tillämpningen av direktiv 2008/48/EG, annan tillämplig unionsrätt eller nationella bestämmelser avseende villkoren för beviljande av konsumentkrediter som inte harmoniseras genom detta direktiv och som överensstämmer med unionsrätten.</SPAN></P>
<P class="p1568 ft223">Artikel 62</P>
<P class="p1661 ft230">Tillämpliga avgifter</P>
<P class="p1662 ft196">1. Betaltjänstleverantören får inte ta ut någon avgift av betaltjänstanvändaren för fullgörandet av sina informations<SPAN class="ft213"> </SPAN>skyldigheter eller korrigeringsåtgärder och förebyggande åtgärder enligt denna avdelning, såvida inte annat föreskrivs i artiklarna 79.1, 80.5 och 88.2. Betaltjänstanvändaren och betaltjänstleverantören ska avtala om dessa avgifter, som ska vara rimliga och stå i proportion till betaltjänstleverantörens faktiska kostnader.</P>
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<DIV id="dimg1">
<INGENBILD zsrc="H50377445x1.jpg/" id="img1">
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<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/90</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
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</TABLE>
<P class="p1427 ft194"><SPAN class="ft194">2.</SPAN><SPAN class="ft237">För betalningstransaktioner som tillhandahålls inom unionen, där både betalarens och betalningsmottagarens betal</SPAN><SPAN class="ft216"> </SPAN>ningstjänsteleverantörer eller den enda betaltjänstleverantören i betalningstransaktionen är etablerade i unionen, ska medlemsstaterna kräva att betalningsmottagaren betalar de avgifter som dennes betaltjänstleverantör tar ut och att betalaren betalar de avgifter som dennes betaltjänstleverantör tar ut.</P>
<P class="p1663 ft194"><SPAN class="ft203">3.</SPAN><SPAN class="ft237">Betaltjänstleverantören får inte hindra betalningsmottagaren att av betalaren ta ut en avgift, erbjuda en nedsättning eller på annat sätt styra betalaren mot användning av ett visst betalningsinstrument. Eventuella avgifter som tillämpas får inte överskrida betalningsmottagarens direkta kostnader för att använda ett visst betalningsinstrument.</SPAN></P>
<P class="p1664 ft196"><SPAN class="ft196">4.</SPAN><SPAN class="ft236">Medlemsstaterna ska under alla omständigheter se till att betalningsmottagaren inte tar ut avgifter för användning av betalningsinstrument vars förmedlingsavgifter regleras i kapitel II i förordning (EU) 2015/751 och för de betalnings</SPAN><SPAN class="ft213"> </SPAN>tjänster som förordning (EU) nr 260/2012 tillämpas på.</P>
<P class="p1665 ft201"><SPAN class="ft201">5.</SPAN><SPAN class="ft231">Medlemsstaterna får förbjuda eller begränsa betalningsmottagarens rätt att ta ut avgifter med beaktande av behovet av att stimulera konkurrensen och främja användningen av effektiva betalningsinstrument.</SPAN></P>
<P class="p1666 ft223">Artikel 63</P>
<P class="p1667 ft230">Undantag för betalningsinstrument för låga belopp och elektroniska pengar</P>
<P class="p1475 ft196">1. I fråga om betalningsinstrument som enligt ramavtalet endast avser enskilda betalningstransaktioner på högst 30 EUR eller som antingen har en utgiftströskel på 150 EUR eller lagrar medel som aldrig överstiger 150 EUR, får betal<SPAN class="ft213"> </SPAN>tjänstleverantörerna när som helst avtala med betaltjänstanvändarna att</P>
<P class="p1668 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">artiklarna 69.1 b, 70.1 c och d, och 74.3 inte är tillämpliga om betalningsinstrumentet inte kan blockeras eller dess vidare användning förhindras,</SPAN></P>
<P class="p1650 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">artiklarna 72, 73, 74.1 och 74.3 inte är tillämpliga om betalningsinstrumentet används anonymt eller om betaltjänst</SPAN><SPAN class="ft82"> </SPAN>leverantören av andra till betalningsinstrumentet knutna skäl inte kan bevisa att en betalningstransaktion var aukto<SPAN class="ft82"> </SPAN>riserad,</P>
<P class="p1531 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">betaltjänstleverantören genom undantag från artikel 79.1 inte är skyldig att underrätta betaltjänstanvändaren om att betalningsordern avvisats, om det av sammanhanget klart framgår att den inte har genomförts,</SPAN></P>
<P class="p1669 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft235">betalaren genom undantag från artikel 80 inte får återkalla betalningsordern efter att ha överfört betalningsordern eller gett sitt godkännande att genomföra betalningstransaktionen till betalningsmottagaren,</SPAN></P>
<P class="p1670 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft234">andra tider för genomförandet är tillämpliga genom undantag från artiklarna 83 och 84.</SPAN></P>
<P class="p1671 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">För nationella betalningstransaktioner får medlemsstaterna eller deras behöriga myndigheter sänka eller fördubbla beloppen enligt punkt 1. De får höja dem för förbetalda betalningsinstrument upp till 500 EUR.</SPAN></P>
<P class="p1533 ft196"><SPAN class="ft196">3.</SPAN><SPAN class="ft236">Artiklarna 73 och 74 i detta direktiv ska också tillämpas på elektroniska pengar enligt definitionen i artikel 2.2 i direktiv 2009/110/EG, om inte betalarens betaltjänstleverantör saknar möjlighet att frysa det betalkonto där de elek</SPAN><SPAN class="ft213"> </SPAN>troniska pengarna lagras eller blockera betalningsinstrumentet. Medlemsstaterna får begränsa detta undantag till betal<SPAN class="ft213"> </SPAN>konton där de elektroniska pengarna lagras eller betalningsinstrument med ett visst värde.</P>
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<P class="p15 ft57">445</P>
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<DIV id="dimg1">
<INGENBILD zsrc="H50377446x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/91</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1456 ft215">KAPITEL 2</P>
<P class="p1575 ft252">Auktorisation av betalningstransaktioner</P>
<P class="p1568 ft223">Artikel 64</P>
<P class="p1672 ft230">Godkännande och återkallande av godkännande</P>
<P class="p1482 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Medlemsstaterna ska sörja för att en betalningstransaktion ska betraktas som auktoriserad endast om betalaren har godkänt dess genomförande. Betalaren får auktorisera betalningstransaktionen före dess genomförande eller, om betalaren och betaltjänstleverantören har avtalat om detta, efter genomförandet.</SPAN></P>
<P class="p1673 ft194"><SPAN class="ft194">2.</SPAN><SPAN class="ft237">Godkännande att genomföra en betalningstransaktion eller en serie betalningstransaktioner ska lämnas i den form som avtalats mellan betalaren och betaltjänstleverantören. Godkännande av genomförandet av en betalningstransaktion kan också ges via betalningsmottagaren eller leverantören av betalningsinitieringstjänster.</SPAN></P>
<P class="p1442 ft201">Om ett sådant godkännande saknas ska betalningstransaktionen anses vara icke auktoriserad.</P>
<P class="p1520 ft196"><SPAN class="ft196">3.</SPAN><SPAN class="ft236">Ett godkännande får alltid återkallas av betalaren, men inte efter tidpunkten för oåterkallelighet i enlighet med artikel 80. Godkännande att genomföra en serie betalningstransaktioner får även återkallas, med följden att varje efter</SPAN><SPAN class="ft213"> </SPAN>följande betalningstransaktion ska anses vara icke auktoriserad.</P>
<P class="p1323 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Godkännandeförfarandet ska avtalas mellan betalaren och den relevanta betaltjänstleverantören.</SPAN></P>
<P class="p1611 ft223">Artikel 65</P>
<P class="p1674 ft230">Bekräftelse av tillgängliga medel</P>
<P class="p1543 ft196">1. Medlemsstaterna ska se till att en kontoförvaltande betaltjänstleverantör på begäran av en betaltjänstleverantör som ger ut kortbaserade betalningsinstrument, omedelbart bekräftar om ett belopp som krävs för genomförande av en kortbaserad betalningstransaktion är tillgängligt på betalarens betalningskonto, förutsatt att samtliga följande villkor är uppfyllda:</P>
<P class="p1323 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Betalarens betalningskonto är tillgängligt via internet vid tidpunkten för begäran.</SPAN></P>
<P class="p1585 ft196"><SPAN class="ft194">b)</SPAN><SPAN class="ft245">Betalaren har uttryckligen godkänt att den kontoförvaltande betaltjänstleverantören besvarar begäranden från en specifik betaltjänstleverantör om att bekräfta att ett belopp som motsvarar en viss kortbaserad betalningstransaktion är tillgängligt på betalarens betalningskonto.</SPAN></P>
<P class="p1323 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">Det godkännande som avses i led b har givits innan den första begäran om bekräftelse görs.</SPAN></P>
<P class="p1675 ft201">2. Betaltjänstleverantören får begära en sådan bekräftelse som avses i punkt 1 om samtliga följande villkor är upp<SPAN class="ft82"> </SPAN>fyllda:</P>
<P class="p1608 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Betalaren har uttryckligen godkänt att betaltjänstleverantören får begära sådan bekräftelse som avses i punkt 1.</SPAN></P>
<P class="p1602 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Betalaren har initierat den kortbaserade transaktionen för beloppet i fråga med användning av ett kortbaserat betal</SPAN><SPAN class="ft82"> </SPAN>ningsinstrument som getts ut av betaltjänstleverantören.</P>
<P class="p1607 ft196"><SPAN class="ft203">c)</SPAN><SPAN class="ft233">Betaltjänstleverantören autentiserar sig gentemot den kontoförvaltande betaltjänstleverantören före varje begäran om bekräftelse, och kommunicerar på ett säkert sätt med den kontoförvaltande betaltjänstleverantören i enlighet med artikel 98.1d.</SPAN></P>
<P class="p1520 ft201">3. I enlighet med direktiv 95/46/EG ska den bekräftelse som avses i punkt 1 endast bestå av ett svar i form av ett enkelt ”ja” eller ”nej” och inte av kontoutdrag. Detta svar får inte lagras eller användas för andra syften än genomförande av den kortbaserade betalningen.</P>
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<P class="p15 ft57">446</P>
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<DIV id="dimg1">
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<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/92</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1544 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Den bekräftelse som avses i punkt 1 ska inte innebära att den kontoförvaltande betaltjänstleverantören får spärra medel på betalarens betalningskonto.</SPAN></P>
<P class="p1544 ft201"><SPAN class="ft201">5.</SPAN><SPAN class="ft231">Betalaren får begära att den kontoförvaltande betaltjänstleverantören meddelar betalaren betaltjänstleverantörens identitet och det svar som lämnats.</SPAN></P>
<P class="p1544 ft201"><SPAN class="ft201">6.</SPAN><SPAN class="ft231">Denna artikel är inte tillämplig på betalningstransaktioner som initieras genom kortbaserade betalningsinstrument där elektroniska pengar enligt definitionen i artikel 2.2 i direktiv 2009/110/EG lagras.</SPAN></P>
<P class="p1507 ft223">Artikel 66</P>
<P class="p1676 ft230">Bestämmelser om tillgång till betalningskonto i samband med betalningsinitieringstjänster</P>
<P class="p1677 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Medlemsstaterna ska se till att betalaren har rätt att utnyttja en leverantör av betalningsinitieringstjänster för</SPAN></P>
<P class="p1678 ft201">betaltjänster enligt punkt 7 i bilaga I. Rätten att utnyttja en leverantör av betalningsinitieringstjänster ska inte gälla när betalkontot inte är tillgängligt online.</P>
<P class="p1544 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">När betalaren ger sitt uttryckliga godkännande till en betalning som ska genomföras i enlighet med artikel 64 ska den kontoförvaltande betaltjänstleverantören vidta de åtgärder som anges i punkt 4 i den här artikeln för att säkerställa betalarens rätt att använda betalningsinitieringstjänsten.</SPAN></P>
<P class="p1598 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Leverantörer av betalningsinitieringstjänster</SPAN></P>
<P class="p1433 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">får inte vid någon tidpunkt inneha betalarens medel i samband med tillhandahållandet av betalningsinitieringstjänsten,</SPAN></P>
<P class="p1559 ft196"><SPAN class="ft194">b)</SPAN><SPAN class="ft233">ska se till att betaltjänstanvändarens personliga säkerhetsbehörighetsuppgifter inte är tillgängliga för andra parter, med undantag för användaren och utgivaren av de personliga säkerhetsbehörighetsuppgifterna, och att de överförs av leverantören av betalningsinitieringstjänsten via säkra och effektiva kanaler,</SPAN></P>
<P class="p1304 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">ska se till att eventuell övrig information om betaltjänstanvändaren som erhållits vid tillhandahållande av betalnings</SPAN><SPAN class="ft82"> </SPAN>initieringstjänster endast lämnas till betalningsmottagaren och endast med betaltjänstanvändarens uttryckliga godkän<SPAN class="ft82"> </SPAN>nande,</P>
<P class="p1679 ft196"><SPAN class="ft194">d)</SPAN><SPAN class="ft233">ska varje gång en betalning initieras identifiera sig gentemot kontoägarens kontoförvaltande betaltjänstleverantör och kommunicera med den kontoförvaltande betaltjänstleverantören, betalaren och betalningsmottagaren på ett säkert sätt i enlighet med artikel 98.1 d,</SPAN></P>
<P class="p1433 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft234">får inte lagra känsliga betalningsuppgifter som tillhör betaltjänstanvändaren,</SPAN></P>
<P class="p1559 ft201"><SPAN class="ft201">f)</SPAN><SPAN class="ft227">får inte av betaltjänstanvändaren begära andra uppgifter än sådana som krävs för att tillhandahålla betalningsinitie</SPAN><SPAN class="ft82"> </SPAN>ringstjänster,</P>
<P class="p1423 ft201"><SPAN class="ft194">g)</SPAN><SPAN class="ft235">får inte använda, ha tillgång till eller lagra uppgifter för andra ändamål än för att tillhandahålla den betalnings</SPAN><SPAN class="ft82"> </SPAN>initieringstjänst som uttryckligen begärs av betalaren,</P>
<P class="p1529 ft201"><SPAN class="ft194">h)</SPAN><SPAN class="ft235">får inte ändra beloppet, betalaren eller något annat inslag i transaktionen.</SPAN></P>
<P class="p1433 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Den kontoförvaltande betaltjänstleverantören</SPAN></P>
<P class="p1433 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">ska kommunicera säkert med leverantörer av betalningsinitieringstjänster i enlighet med artikel 98.1 d,</SPAN></P>
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<DIV id="id_2">
<P class="p15 ft57">447</P>
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</DIV>
<DIV id="page_448">
<DIV id="dimg1">
<INGENBILD zsrc="H50377448x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/93</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1607 ft196"><SPAN class="ft194">b)</SPAN><SPAN class="ft245">ska omedelbart efter mottagande av betalningsordern från en leverantör av betalningsinitieringstjänster tillhandahålla eller göra tillgänglig för leverantören av betalningsinitieringstjänster all information om initieringen av betalningstrans</SPAN><SPAN class="ft213"> </SPAN>aktionen samt all information om genomförandet av betalningstransaktionen som är tillgänglig för den kontoför<SPAN class="ft213"> </SPAN>valtande betaltjänstleverantören,</P>
<P class="p1461 ft196"><SPAN class="ft203">c)</SPAN><SPAN class="ft233">får inte av andra än objektiva skäl behandla betalningsorder som överförs via en leverantör av betalningsinitierings</SPAN><SPAN class="ft213"> </SPAN>tjänster på ett skiljaktigt sätt när det gäller val av tidpunkt, prioritering eller avgifter jämfört med betalningsorder som betalaren överför direkt.</P>
<P class="p1680 ft194">5. Tillhandahållandet av betalningsinitieringstjänster får inte vara avhängigt av förekomsten av ett avtalsförhållande mellan leverantörer av betalningsinitieringstjänster och kontoförvaltande betaltjänstleverantörer i detta syfte.</P>
<P class="p1681 ft223">Artikel 67</P>
<P class="p1682 ft230">Bestämmelser om tillgång till och användning av betalkontoinformation i samband med kontoinformationstjänster</P>
<P class="p1662 ft194"><SPAN class="ft194">1.</SPAN><SPAN class="ft237">Medlemsstaterna ska sörja för att en betaltjänstanvändare har rätt att utnyttja tjänster som möjliggör tillgång till kontoinformation som avses i punkt 8 i bilaga I. Den rätten ska inte gälla när betalkontot inte är tillgängligt online.</SPAN></P>
<P class="p1410 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Leverantörer av kontoinformationstjänster</SPAN></P>
<P class="p1321 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">får endast tillhandahålla tjänster på grundval av betaltjänstanvändarens uttryckliga godkännande,</SPAN></P>
<P class="p1485 ft194"><SPAN class="ft194">b)</SPAN><SPAN class="ft244">ska säkerställa att betaltjänstanvändarens personliga säkerhetsbehörighetsuppgifter, med undantag för användaren och utgivaren av de personliga säkerhetsbehörighetsuppgifterna, inte är tillgängliga för andra parter och att när dessa uppgifter överförs genom leverantören av kontoinformationstjänster detta sker via säkra och effektiva kanaler,</SPAN></P>
<P class="p1321 ft206"><SPAN class="ft203">c)</SPAN><SPAN class="ft260">ska för varje kommunikationssession identifiera sig gentemot den kontoförvaltande betaltjänstleverantören och kom</SPAN><SPAN class="ft205"></SPAN></P>
<P class="p1683 ft201">municera säkert med den kontoförvaltande betaltjänstleverantören och betaltjänstanvändaren i enlighet med arti<SPAN class="ft82"> </SPAN>kel 98.1 d,</P>
<P class="p1369 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">ska endast ha tillgång till information från betecknade betalkonton och dithörande betalningstransaktioner,</SPAN></P>
<P class="p1321 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft235">får inte begära känsliga betalningsuppgifter som är kopplade till betalkontona,</SPAN></P>
<P class="p1464 ft196"><SPAN class="ft196">f)</SPAN><SPAN class="ft232">får inte använda, ha tillgång till eller lagra några uppgifter för några andra ändamål än för att genomföra den kontoinformationstjänst som betaltjänstanvändaren uttryckligen har begärt, i enlighet med uppgiftsskyddsreglerna om uppgiftsskydd.</SPAN></P>
<P class="p1392 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">När det gäller betalkonton ska den kontoförvaltande betaltjänstleverantören</SPAN></P>
<P class="p1321 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">kommunicera säkert med leverantörer av kontoinformationstjänster i enlighet med artikel 98.1 d,</SPAN></P>
<P class="p1461 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">inte behandla begäranden om uppgifter som överförs via en leverantör av kontoinformationstjänster på ett skiljaktigt sätt annat än av objektiva skäl.</SPAN></P>
<P class="p1684 ft201">4. Tillhandahållande av kontoinformationstjänster får inte vara avhängigt av förekomsten av ett avtalsförhållande mellan leverantörer av kontoinformationstjänster och kontoförvaltande betaltjänstleverantörer i detta syfte.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">448</P>
</DIV>
</DIV>
<DIV id="page_449">
<DIV id="dimg1">
<INGENBILD zsrc="H50377449x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/94</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1507 ft223">Artikel 68</P>
<P class="p1685 ft230">Begränsning av betalningsinstrumentets användning och av tillgången till betalkonton för betaltjänstleverantörer</P>
<P class="p1445 ft194"><SPAN class="ft194">1.</SPAN><SPAN class="ft237">Om ett särskilt betalningsinstrument används för godkännande, får betalaren och betalarens betaltjänstleverantör avtala om utgiftströsklar för betalningstransaktioner som genomförs genom det betalningsinstrumentet.</SPAN></P>
<P class="p1686 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Om detta avtalats i ramavtalet får betaltjänstleverantören förbehålla sig rätten att blockera betalningsinstrumentet av objektivt betingade skäl som är relaterade till betalningsinstrumentets säkerhet, misstanke om icke auktoriserad eller bedräglig användning av det eller, vid betalningsinstrument med kreditutrymme, en väsentligt ökad risk för att betalaren eventuellt inte kan fullfölja sitt betalningsansvar.</SPAN></P>
<P class="p1428 ft196"><SPAN class="ft196">3.</SPAN><SPAN class="ft236">I sådana fall ska betaltjänstleverantören på avtalat sätt informera betalaren om blockering av betalningsinstrumentet och om skälen till denna, om möjligt innan betalningsinstrumentet blockeras och senast direkt efter blockeringen, om inte tillhandahållandet av sådan information hindras av objektivt motiverade säkerhetsskäl eller förbjuds i annan relevant unionsrätt eller nationell rätt.</SPAN></P>
<P class="p1687 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Betaltjänstleverantören ska häva blockeringen av betalningsinstrumentet eller ersätta det med ett nytt betalnings</SPAN><SPAN class="ft82"> </SPAN>instrument så snart skälen till blockeringen inte längre föreligger.</P>
<P class="p1533 ft194"><SPAN class="ft203">5.</SPAN><SPAN class="ft237">En kontoförvaltande betaltjänstleverantör får neka en leverantör av kontoinformationstjänster eller en leverantör av betalningsinitieringstjänster tillgång till ett betalkonto av objektivt motiverade och vederbörligen styrkta skäl rörande icke auktoriserad eller bedräglig tillgång till betalkontot av den leverantören av kontoinformationstjänster eller den leveran</SPAN><SPAN class="ft216"> </SPAN>tören av betalningsinitieringstjänster, inbegripet icke auktoriserad eller bedräglig initiering av en betalningstransaktion. I sådana fall ska den kontoförvaltande betaltjänstleverantören på avtalat sätt informera betalaren om att tillgången till betalkontot har nekats och om skälen till detta. Den informationen ska, om möjligt, ges till betalaren innan tillgång nekas och senast direkt därefter, om inte tillhandahållandet av sådan information hindras av objektivt motiverade säkerhetsskäl eller förbjuds i annan relevant unionsrätt eller nationell rätt.</P>
<P class="p1688 ft201">Den kontoförvaltande betaltjänstleverantören ska medge tillgång till betalkontot när skälen för att neka tillgång inte längre föreligger.</P>
<P class="p1312 ft196">6. I de fall som avses i punkt 5 ska den kontoförvaltande betaltjänstleverantören omedelbart rapportera om en incident som avser leverantören av kontoinformationstjänster eller leverantören av betalningsinitieringstjänster till den behöriga myndigheten. Informationen ska inbegripa relevanta uppgifter om fallet och skälen till att åtgärder vidtas. Den behöriga myndigheten ska bedöma fallet och vid behov vidta lämpliga åtgärder.</P>
<P class="p1534 ft223">Artikel 69</P>
<P class="p1689 ft230">Betaltjänstanvändarens skyldigheter med avseende på betalningsinstrument och personliga säkerhetsbehörighetsuppgifter</P>
<P class="p1677 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Betaltjänstanvändare som har rätt att använda ett betalningsinstrument ska</SPAN></P>
<P class="p1650 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">använda betalningsinstrumentet i enlighet med villkoren för utgivande och användning av betalningsinstrumentet, som måste vara objektiva, </SPAN><NOBR>icke-diskriminerande</NOBR> och proportionella,</P>
<P class="p1651 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">utan onödigt dröjsmål underrätta betaltjänstleverantören eller den enhet som den senare angett, så snart de erfar att betalningsinstrumentet förlorats, stulits, missbrukats eller använts utan auktorisation.</SPAN></P>
<P class="p1536 ft201">2. Vid tillämpningen av punkt 1 a ska betaltjänstanvändaren, så snart han eller hon mottagit ett betalningsinstrument, vidta alla rimliga åtgärder för att skydda sina personliga säkerhetsbehörighetsuppgifter.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">449</P>
</DIV>
</DIV>
<DIV id="page_450">
<DIV id="dimg1">
<INGENBILD zsrc="H50377450x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/95</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1611 ft223">Artikel 70</P>
<P class="p1690 ft230">Betaltjänstleverantörens skyldigheter med avseende på betalningsinstrument</P>
<P class="p1301 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Den betaltjänstleverantör som ger ut ett betalningsinstrument ska</SPAN></P>
<P class="p1485 ft194"><SPAN class="ft203">a)</SPAN><SPAN class="ft241">förvissa sig om att specifika säkerhetsbehörighetsuppgifter inte är tillgängliga för andra än den betaltjänstanvändare som har rätt att använda dem, utan att detta påverkar betaltjänstanvändarens skyldigheter enligt artikel 69,</SPAN></P>
<P class="p1463 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">avstå från att skicka betalningsinstrument som inte beställts utom då ett betalningsinstrument som betaltjänstanvän</SPAN><SPAN class="ft82"> </SPAN>daren redan har ska ersättas,</P>
<P class="p1585 ft196"><SPAN class="ft203">c)</SPAN><SPAN class="ft233">se till att betaltjänstanvändare alltid har möjlighet att på lämpligt sätt lämna underrättelser enligt artikel 69.1 b eller att begära att en blockering av betalningsinstrumentet hävs enligt artikel 68.4. På begäran ska betaltjänstleverantören göra det möjligt för betaltjänstanvändaren att under 18 månader efter underrättelsen styrka att betaltjänstanvändaren har lämnat en sådan underrättelse,</SPAN></P>
<P class="p1464 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">ge betaltjänstanvändaren möjlighet att avgiftsfritt lämna en underrättelse i enlighet med artikel 69.1 b, och i alla händelser endast ta ut avgift för ersättningskostnader som direkt kan hänföras till betalningsinstrumentet,</SPAN></P>
<P class="p1691 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft235">förhindra varje användning av betalningsinstrumentet så snart den underrättelse som avses i artikel 69.1 b har lämnats.</SPAN></P>
<P class="p1539 ft201">2. Betaltjänstleverantören ska svara för den risk som det innebär att skicka betalningsinstrumentet eller därtill till<SPAN class="ft82"> </SPAN>hörande personliga säkerhetsbehörighetuppgifter till betaltjänstanvändaren.</P>
<P class="p1525 ft223">Artikel 71</P>
<P class="p1692 ft230">Underrättelse och rättelse i samband med icke auktoriserade eller felaktigt utförda betalningstransaktioner</P>
<P class="p1543 ft196">1. När betaltjänstanvändaren får kännedom om en icke auktoriserad eller felaktigt genomförd betalningstransaktion som ger upphov till en fordran, även sådan som följer av artikel 89, ska betaltjänstanvändaren endast få rättelse om betaltjänstanvändaren underrättar sin betaltjänstleverantör utan onödigt dröjsmål och senast 13 månader efter debiterings<SPAN class="ft213"> </SPAN>dagen.</P>
<P class="p1505 ft194">Tidsfristerna för underrättelse som fastställs i första stycket är inte tillämpliga då betaltjänstleverantören varken har lämnat information om betalningstransaktionen eller gjort informationen tillgänglig i enlighet med avdelning III.</P>
<P class="p1394 ft196">2. Om en leverantör av betalningsinitieringstjänster är inblandad ska betaltjänstanvändaren få rättelse av den kon<SPAN class="ft213"> </SPAN>toförvaltande betaltjänstleverantören enligt punkt 1 i den här artikeln utan att det påverkar tillämpningen av artiklarna 73.2 och 89.1.</P>
<P class="p1693 ft223">Artikel 72</P>
<P class="p1694 ft230">Bevis för autentisering och genomförande av betalningstransaktioner</P>
<P class="p1662 ft196">1. Medlemsstaterna ska kräva att betaltjänstleverantören, om en betaltjänstanvändare nekar till att ha auktoriserat en genomförd betalningstransaktion eller hävdar att betalningstransaktionen inte genomfördes på ett korrekt sätt, ska kunna styrka att betalningstransaktionen har autentiserats, registrerats korrekt, kontoförts och inte påverkats av ett tekniskt fel eller någon annan brist i den tjänst som tillhandahålls av betaltjänstleverantören.</P>
<P class="p1539 ft196">Om betalningstransaktionen initieras genom en leverantör av betalningsinitieringstjänster ska bevisbördan ligga på leve<SPAN class="ft213"> </SPAN>rantören av betalningsinitieringstjänster att inom ramen för sin behörighet visa att betalningstransaktionen har autenti<SPAN class="ft213"> </SPAN>serats, registrerats korrekt och inte påverkats av ett tekniskt fel eller någon annan brist i samband med den betalnings<SPAN class="ft213"> </SPAN>tjänst som leverantören har ansvar för.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">450</P>
</DIV>
</DIV>
<DIV id="page_451">
<DIV id="dimg1">
<INGENBILD zsrc="H50377451x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/96</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1397 ft206">2. Om en betaltjänstanvändare nekar till att ha auktoriserat en genomförd betalningstransaktion ska användningen av ett betalningsinstrument som betaltjänstleverantören registrerat, inklusive leverantören av betalningsinitieringstjänster i förekommande fall, inte nödvändigtvis räcka som bevis för att betalaren auktoriserat betalningstransaktionen eller att betalaren handlat bedrägligt, eller avsiktligen eller av grov vårdslöshet försummat att uppfylla en eller flera av sina skyldigheter enligt artikel 69. Betaltjänstleverantören, inklusive, i förekommande fall, leverantören av betalningsinitierings<SPAN class="ft205"> </SPAN>tjänster, ska lägga fram styrkande handlingar för att bevisa bedrägeri eller grov vårdslöshet från betaltjänstanvändarens sida.</P>
<P class="p1695 ft223">Artikel 73</P>
<P class="p1696 ft230">Betaltjänstleverantörens ansvar för icke auktoriserade betalningstransaktioner</P>
<P class="p1445 ft194"><SPAN class="ft203">1.</SPAN><SPAN class="ft237">Vid icke auktoriserade betalningstransaktioner ska medlemsstaterna, utan att det påverkar tillämpningen av arti</SPAN><SPAN class="ft216"> </SPAN>kel 71, se till att betalarens betaltjänstleverantör omedelbart betalar tillbaka den icke auktoriserade betalningstransaktio<SPAN class="ft216"> </SPAN>nens belopp till betalaren, och i alla händelser senast i slutet av följande bankdag, efter att ha noterat eller underrättats om transaktionen, utom när betalarens betaltjänstleverantör har rimlig anledning att misstänka bedrägeri och skriftligt meddelar denna anledning till den berörda nationella myndigheten. I tillämpliga fall ska betalarens betaltjänstleverantör återställa det debiterade betalkontot till den ställning som skulle ha förelegat om den icke auktoriserade betalningstrans<SPAN class="ft216"> </SPAN>aktionen inte hade ägt rum. Detta ska också säkerställa att valuteringsdagen för krediteringen av betalarens betalkonto inte infaller senare än den dag då beloppet hade debiterats.</P>
<P class="p1697 ft194"><SPAN class="ft194">2.</SPAN><SPAN class="ft237">Om betalningstransaktionen initieras av en leverantör av betalningsinitieringstjänster ska den kontoförvaltande betaltjänstleverantören omedelbart, och i alla händelser senast i slutet av följande bankdag, betala tillbaka den icke auktoriserade betalningstransaktionens belopp och i tillämpliga fall återställa det debiterade betalkontot till den ställning som skulle ha förelegat om den icke auktoriserade betalningstransaktionen inte hade ägt rum.</SPAN></P>
<P class="p1533 ft194">Om leverantören av betalningsinitieringstjänster är ansvarig för den icke auktoriserade betalningstransaktionen ska den omedelbart ersätta den kontoförvaltande betaltjänstleverantören på betaltjänstleverantörens begäran för förluster eller betalda belopp till följd av återbetalningen till betalaren, inbegripet den icke auktoriserade betalningstransaktionens belopp. I enlighet med artikel 72.1 ska bevisbördan ligga på leverantören av betalningsinitieringstjänster att inom ramen för sin behörighet visa att betalningstransaktionen har autentiserats, registrerats korrekt och inte påverkats av ett tekniskt fel eller någon annan brist i samband med den betalningstjänst som leverantören har ansvar för.</P>
<P class="p1398 ft196">3. Ytterligare ekonomisk ersättning kan fastställas i enlighet med den rätt som är tillämplig på det avtal som ingåtts mellan betalaren och betaltjänstleverantören eller, i tillämpliga fall, det avtal som ingåtts mellan betalaren och leveran<SPAN class="ft213"> </SPAN>tören av betalningsinitieringstjänster.</P>
<P class="p1639 ft223">Artikel 74</P>
<P class="p1698 ft230">Betalarens ansvar för icke auktoriserade betalningstransaktioner</P>
<P class="p1426 ft196">1. Med avvikelse från artikel 73 får betalaren åläggas att stå för sådana förluster vid alla icke auktoriserade betalnings<SPAN class="ft213"> </SPAN>transaktioner upp till 50 EUR som är en följd av att ett förlorat eller stulet betalningsinstrument använts eller av att ett betalningsinstrument missbrukats.</P>
<P class="p1308 ft201">Första stycket ska inte tillämpas om</P>
<P class="p1651 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">förlusten, stölden eller missbruket av ett betalningsinstrument inte kunde upptäckas av betalaren innan en betalning utfördes, med undantag för om betalaren handlat bedrägligt, eller</SPAN></P>
<P class="p1559 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">förlusten orsakades av agerande eller brist på agerande av en betaltjänstleverantörs anställda, ombud, filialer eller enheter till vilka dennes verksamhet utkontrakterats.</SPAN></P>
<P class="p1564 ft194">Betalaren ska stå för samtliga förluster till följd av icke auktoriserade betalningstransaktioner om betalaren ådrog sig dessa genom att handla bedrägligt eller genom att avsiktligen eller med grov vårdslöshet underlåta att uppfylla en eller flera av sina skyldigheter enligt artikel 69. I sådana fall ska det maximibelopp som avses i första stycket inte tillämpas.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">451</P>
</DIV>
</DIV>
<DIV id="page_452">
<DIV id="dimg1">
<INGENBILD zsrc="H50377452x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/97</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1408 ft196">Om betalaren varken har handlat bedrägligt eller avsiktligen underlåtit att uppfylla sina skyldigheter enligt artikel 69, får medlemsstaterna begränsa det ansvar som avses i denna punkt, varvid särskild hänsyn ska tas till arten av de personliga säkerhetsbehörighetsuppgifter och till de särskilda omständigheter under vilka betalningsinstrumentet förlorades, stals eller missbrukades.</P>
<P class="p1699 ft194"><SPAN class="ft203">2.</SPAN><SPAN class="ft237">Om betalarens betaltjänstleverantör inte kräver stark kundautentisering ska betalaren inte bära de ekonomiska konsekvenserna förutom om betalaren har handlat bedrägligt. Om betalningsmottagaren eller betaltjänstleverantören inte godtar stark kundautentisering ska de återbetala den ekonomiska skada som vållats betalarens betaltjänstleverantör.</SPAN></P>
<P class="p1700 ft194"><SPAN class="ft194">3.</SPAN><SPAN class="ft237">Efter underrättelse enligt artikel 69.1 b ska betalaren inte bära några ekonomiska konsekvenser av användningen av ett betalningsinstrument som förlorats, stulits eller missbrukats, såvida betalaren inte har handlat bedrägligt.</SPAN></P>
<P class="p1701 ft196">Om betaltjänstleverantören inte erbjuder ett lämpligt sätt att anmäla att ett betalningsinstrument förlorats, stulits eller missbrukats i enlighet med kraven i artikel 70.1 c ska betalaren inte ansvara för de ekonomiska konsekvenserna av betalningsinstrumentets användning, såvida betalaren inte har handlat bedrägligt.</P>
<P class="p1458 ft223">Artikel 75</P>
<P class="p1702 ft230">Betalningstransaktioner där transaktionsbeloppet inte är känt i förväg</P>
<P class="p1543 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Om en betalningstransaktion initieras av eller via betalningsmottagaren inom ramen för en kortbaserad betalnings</SPAN><SPAN class="ft213"> </SPAN>transaktion och det exakta beloppet inte är känt vid tidpunkten då betalaren ger sitt godkännande till genomförandet av betalningstransaktionen kan betalarens betaltjänstleverantör endast spärra medel på betalarens betalkonto om betalaren har gett sitt godkännande till det exakta belopp som ska spärras.</P>
<P class="p1417 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Betalarens betaltjänstleverantör ska frigöra de spärrade medlen på betalarens betalkonto enligt punkt 1 utan onödigt dröjsmål efter mottagandet av information om betalningstransaktionens exakta belopp och senast omedelbart efter mottagande av betalningsordern.</SPAN></P>
<P class="p1458 ft223">Artikel 76</P>
<P class="p1703 ft230">Återbetalning av betalningstransaktioner som initierats av eller via en betalningsmottagare</P>
<P class="p1482 ft196">1. Medlemsstaterna ska se till att en betalare har rätt till återbetalning från betaltjänstleverantören av en redan genom<SPAN class="ft213"> </SPAN>förd auktoriserad betalningstransaktion, som var initierad av eller via en betalningsmottagare, om båda följande villkor är uppfyllda:</P>
<P class="p1410 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Vid auktorisationstillfället angavs inte betalningstransaktionens exakta belopp i auktorisationen.</SPAN></P>
<P class="p1704 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Betalningstransaktionens belopp översteg det belopp som betalaren rimligen kunde ha förväntat sig med hänsyn till tidigare utgiftsmönster, ramavtalets villkor och relevanta omständigheter.</SPAN></P>
<P class="p1705 ft201">På betaltjänstleverantörens begäran ska betalaren bära bevisbördan om att dessa villkor är uppfyllda.</P>
<P class="p1701 ft201">Återbetalningen ska motsvara den genomförda betalningstransaktionens hela belopp. Valuteringsdagen för krediteringen av betalarens betalkonto får inte infalla senare än den dag då beloppet hade debiterats.</P>
<P class="p1394 ft201">Utan att det påverkar punkt 3 ska medlemsstaterna se till att betalaren, utöver den rätt som avses i denna punkt, för autogireringar enligt artikel 1 i förordning (EU) nr 260/2012 har en ovillkorlig rätt till återbetalning inom de tidsfrister som fastställs i artikel 77 i detta direktiv.</P>
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<DIV id="id_2">
<P class="p15 ft57">452</P>
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<DIV id="page_453">
<DIV id="dimg1">
<INGENBILD zsrc="H50377453x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/98</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1544 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Vid tillämpningen av punkt 1 b första stycket får betalaren dock inte åberopa valutaväxlingskursen som skäl om den referensväxelkurs som avtalats med betalarens betaltjänstleverantör i enlighet med artiklarna 45.1 d och 52.3 b tillämpades.</SPAN></P>
<P class="p1560 ft206"><SPAN class="ft206">3.</SPAN><SPAN class="ft258">I ramavtalet mellan betalaren och betaltjänstleverantören får det avtalas att betalaren inte har rätt till återbetalning</SPAN></P>
<P class="p1677 ft201">när</P>
<P class="p1307 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">betalaren direkt till betaltjänstleverantören har godkänt att betalningstransaktionen genomförs, och</SPAN></P>
<P class="p1304 ft196"><SPAN class="ft194">b)</SPAN><SPAN class="ft233">i förekommande fall, att betaltjänstleverantören eller betalningsmottagaren på avtalat sätt tillhandahållit betalaren information om den framtida betalningstransaktionen eller gjort denna information tillgänglig för betalaren minst fyra veckor före den sista betalningsdagen.</SPAN></P>
<P class="p1315 ft196">4. För autogireringar i andra valutor än euro får medlemsstaterna kräva att deras betaltjänstleverantörer erbjuder mer gynnsamma återbetalningsvillkor i enlighet med sina autogireringssystem, förutsatt att de är mer fördelaktiga för beta<SPAN class="ft213"> </SPAN>laren.</P>
<P class="p1509 ft223">Artikel 77</P>
<P class="p1644 ft230">Begäran om återbetalning för betalningstransaktioner initierade av eller via en betalningsmottagare</P>
<P class="p1445 ft194"><SPAN class="ft194">1.</SPAN><SPAN class="ft237">Medlemsstaterna ska se till att betalaren under åtta veckor från den dag då medlen debiterades kan begära en återbetalning enligt artikel 76 av en auktoriserad betalningstransaktion initierad av eller via en betalningsmottagare.</SPAN></P>
<P class="p1315 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Inom tio bankdagar från mottagandet av begäran om återbetalning ska betaltjänstleverantören antingen återbetala hela betalningstransaktionens belopp eller underrätta betalaren om skälen för att återbetalningen vägrades och ange till vilka organ betalaren kan hänskjuta ärendet i enlighet med artiklarna </SPAN><NOBR>99–102,</NOBR> om betalaren inte godtar de angivna skälen.</P>
<P class="p1312 ft201">Betaltjänstleverantörens rätt enligt första stycket i denna punkt att vägra återbetalning ska inte tillämpas i det fall som avses i artikel 76.1 fjärde stycket.</P>
<P class="p1507 ft215">KAPITEL 3</P>
<P class="p1706 ft252">Genomförande av betalningstransaktioner</P>
<P class="p1378 ft201">A v s n i t t 1</P>
<P class="p1707 ft230">B e t a l n i n g s o r d e r o c h b e l o p p s o m s k a ö v e r f ö r a s</P>
<P class="p1513 ft223">Artikel 78</P>
<P class="p1708 ft230">Mottagande av betalningsorder</P>
<P class="p1709 ft201">1. Medlemsstaterna ska se till att mottagandetidpunkten är då betalarens betaltjänstleverantör tar emot betalnings<SPAN class="ft82"> </SPAN>ordern.</P>
<P class="p1432 ft196">Betalarens konto får inte debiteras innan betalningsordern har tagits emot. Om mottagandetidpunkten inte är en bankdag för betalarens betaltjänstleverantör ska betalningsordern anses ha mottagits under den följande bankdagen. Betaltjänst<SPAN class="ft213"> </SPAN>leverantören får fastställa en bryttidpunkt nära bankdagens slut efter vilken alla betalningsorder som tas emot ska anses ha mottagits under den följande bankdagen.</P>
<P class="p1545 ft196">2. Om den betaltjänstanvändare som initierar en betalningsorder avtalar med betaltjänstleverantören att genomförandet av betalningsordern ska inledas en viss dag, vid slutet av en viss period eller den dag då betalaren har ställt medel till betaltjänstleverantörens förfogande, ska mottagandetidpunkten med avseende på artikel 83 anses vara den avtalade dagen. Om den avtalade dagen inte är en bankdag för betaltjänstleverantören ska betalningsordern anses ha mottagits under den följande bankdagen.</P>
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<DIV id="id_2">
<P class="p15 ft57">453</P>
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<DIV id="page_454">
<DIV id="dimg1">
<INGENBILD zsrc="H50377454x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td358"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td74"><P class="p3 ft194">L 337/99</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td361"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td362"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1611 ft223">Artikel 79</P>
<P class="p1710 ft230">Vägran att genomföra betalningsorder</P>
<P class="p1711 ft196">1. Om betaltjänstleverantören vägrar att genomföra en betalningsorder eller initiera en betalningstransaktion, ska vägran och om möjligt skälen till vägran samt förfarandet för att korrigera eventuella sakfel som lett till vägran meddelas betaltjänstanvändaren, om inte detta är förbjudet enligt annan relevant unionsrätt eller nationell rätt.</P>
<P class="p1524 ft201">Betaltjänstleverantören ska lämna underrättelsen eller göra den tillgänglig på avtalat sätt snarast möjligt och i alla händelser inom de tidsfrister som anges i enligt artikel 83.</P>
<P class="p1452 ft201">Ramavtalet får innehålla ett villkor som innebär att betaltjänstleverantören får ta ut en rimlig avgift för denna vägran om vägran är objektivt motiverad.</P>
<P class="p1455 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">När alla villkor i betalarens ramavtal är uppfyllda, får betalarens kontoförvaltande betaltjänstleverantör inte vägra att genomföra en auktoriserad betalningsorder, oberoende av om betalningsordern initieras av en betalare, inbegripet genom en leverantör av betalningsinitieringstjänster på betalarens vägnar eller av eller via en betalningsmottagare, om inte detta är förbjudet enligt annan relevant unionsrätt eller nationell rätt.</SPAN></P>
<P class="p1477 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Vid tillämpningen av artiklarna 83 och 89 ska en betalningsorder inte anses ha tagits emot, om dess genomförande har vägrats.</SPAN></P>
<P class="p1712 ft223">Artikel 80</P>
<P class="p1713 ft230">Betalningsorderns oåterkallelighet</P>
<P class="p1643 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Medlemsstaterna ska se till att betaltjänstanvändaren inte får återkalla en betalningsorder efter det att den har den mottagits av betalarens betaltjänstleverantör, om inte annat anges i denna artikel.</SPAN></P>
<P class="p1408 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">När betalningstransaktionen initieras av en leverantör av betalningsinitieringstjänster eller av eller genom betalnings</SPAN><SPAN class="ft213"> </SPAN>mottagaren ska betalaren inte återkalla betalningsordern efter att ha gett sitt godkännande till leverantören av betalnings<SPAN class="ft213"> </SPAN>initieringstjänster att initiera betalningstransaktionen eller efter att till betalningsmottagaren ha gett sitt godkännande till att betalningstransaktionen genomförs.</P>
<P class="p1477 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Vid en autogirering och utan att det påverkar återbetalningsrätten får betalaren emellertid återkalla betalningsordern senast i slutet av den bankdag som föregår den dag som avtalats för debitering av medlen.</SPAN></P>
<P class="p1714 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">I det fall som avses i artikel 78.2 får betaltjänstanvändaren återkalla en betalningsorder senast i slutet av den bankdag som föregår den avtalade dagen.</SPAN></P>
<P class="p1455 ft196"><SPAN class="ft196">5.</SPAN><SPAN class="ft236">Vid utgången av de tidsfrister som anges i punkterna </SPAN><NOBR>1–4</NOBR> får betalningsordern återkallas endast om detta har avtalats av betaltjänstanvändaren och de berörda betaltjänstleverantörerna. I de fall som avses i punkterna 2 och 3 krävs även betalningsmottagarens godkännande. Om så har avtalats i ramavtalet får den berörda betaltjänstleverantören ta ut en avgift för återkallande.</P>
<P class="p1693 ft223">Artikel 81</P>
<P class="p1715 ft230">Överförda belopp och mottagna belopp</P>
<P class="p1482 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Medlemsstaterna ska kräva att betalarens betaltjänstleverantör(er), betalningsmottagarens betaltjänstleverantör(er) och betaltjänstleverantörernas eventuella mellanhänder överför betalningstransaktionens hela belopp och avstår från att dra av avgifter från det överförda beloppet.</SPAN></P>
<P class="p1656 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Betalningsmottagaren får dock avtala med sin betaltjänstleverantör att betaltjänstleverantören får dra av sina avgifter från det överförda beloppet innan det krediteras betalningsmottagaren. Hela betalningstransaktionens belopp och avgif</SPAN><SPAN class="ft82"> </SPAN>terna ska i så fall redovisas separat in den information som lämnas till betalningsmottagaren.</P>
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<DIV id="id_2">
<P class="p15 ft57">454</P>
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</DIV>
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<DIV id="dimg1">
<INGENBILD zsrc="H50377455x1.jpg/" id="img1">
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<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/100</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1427 ft194">3. Om andra avgifter än dem som avses i punkt 2 dras av från det överförda beloppet, ska betalarens betaltjänst<SPAN class="ft216"> </SPAN>leverantör se till att betalningsmottagaren erhåller hela beloppet med avseende på den betalningstransaktion som beta<SPAN class="ft216"> </SPAN>laren initierat. När betalningstransaktionen initieras av eller genom betalningsmottagaren, ska betalningsmottagarens betaltjänstleverantör se till att betalningsmottagaren mottar betalningstransaktionens hela belopp.</P>
<P class="p1716 ft201">A v s n i t t 2</P>
<P class="p1717 ft230">G e n o m f ö r a n d e t i d o c h v a l u t e r i n g s d a g</P>
<P class="p1513 ft223">Artikel 82</P>
<P class="p1310 ft230">Tillämpningsområde</P>
<P class="p1469 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Detta avsnitt är tillämpligt på</SPAN></P>
<P class="p1718 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">betalningstransaktioner i euro,</SPAN></P>
<P class="p1670 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">nationella betalningstransaktioner i valutan i medlemsstaten utanför euroområdet,</SPAN></P>
<P class="p1651 ft196"><SPAN class="ft203">c)</SPAN><SPAN class="ft232">betalningstransaktioner som inbegriper endast en valutakonvertering mellan euro och valutan i en medlemsstat utanför euroområdet, förutsatt att den nödvändiga valutakonverteringen genomförs i den berörda medlemsstaten utanför euroområdet och i fråga om gränsöverskridande betalningstransaktioner att den gränsöverskridande transaktionen sker i euro.</SPAN></P>
<P class="p1428 ft196">2. Med undantag av artikel 87, som parterna inte disponerar över är detta avsnitt tillämpligt på betalningstransaktioner som inte anges i punkt 1, om inte annat avtalats mellan betaltjänstanvändaren och betaltjänstleverantören. Om betal<SPAN class="ft213"> </SPAN>tjänstanvändaren avtalar med betaltjänstleverantören om en längre period än den som fastställs i artikel 83 får emellertid en sådan period för betalningstransaktioner inom unionen inte överstiga fyra bankdagar efter mottagandetidpunkten enligt artikel 78.</P>
<P class="p1719 ft223">Artikel 83</P>
<P class="p1720 ft230">Betalningstransaktioner till ett betalkonto</P>
<P class="p1449 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Medlemsstaterna ska kräva att betalarens betaltjänstleverantör ser till att betalningstransaktionens belopp, efter mottagandetidpunkten enligt artikel 78, krediteras betalningsmottagarens betaltjänstleverantörs konto vid slutet av föl</SPAN><SPAN class="ft213"> </SPAN>jande bankdag. Vid betalningstransaktioner som initierats på papper får dock den tidsfristen förlängas med ytterligare en bankdag.</P>
<P class="p1688 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Medlemsstaterna ska kräva att betalningsmottagarens betaltjänstleverantör valuterar och gör tillgänglig betalnings</SPAN><SPAN class="ft213"> </SPAN>transaktionens belopp på betalningsmottagarens betalkonto efter det att betaltjänstleverantören har mottagit medlen i enlighet med artikel 87.</P>
<P class="p1450 ft194"><SPAN class="ft203">3.</SPAN><SPAN class="ft237">Medlemsstaterna ska kräva att betalningsmottagarens betaltjänstleverantör till betalarens betaltjänstleverantör överför en betalningsorder som initierats av eller via betalningsmottagaren inom de tidsfrister som betalningsmottagaren och dennes betaltjänstleverantör avtalat om, så att för autogiro en avveckling kan ske på den överenskomna förfallodagen.</SPAN></P>
<P class="p1719 ft223">Artikel 84</P>
<P class="p1721 ft230">Om betalningsmottagaren saknar betalkonto hos betaltjänstleverantören</P>
<P class="p1382 ft201">När betalningsmottagaren inte har något betalkonto hos betaltjänstleverantören, ska den betaltjänstleverantör som tar emot medlen göra dem tillgängliga för betalningsmottagaren inom den tidsfrist som anges i artikel 83.</P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">455</P>
</DIV>
</DIV>
<DIV id="page_456">
<DIV id="dimg1">
<INGENBILD zsrc="H50377456x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td260"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td177"><P class="p3 ft194">L 337/101</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td375"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td376"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1611 ft223">Artikel 85</P>
<P class="p1710 ft230">Kontantinsättningar på ett betalkonto</P>
<P class="p1722 ft196">Om en konsument sätter in kontanter på ett betalkonto hos betaltjänstleverantören i detta betalkontos valuta, ska betaltjänstleverantören sörja för att beloppet görs tillgängligt och valuteras omedelbart efter mottagandet av medlen. Om betaltjänstanvändaren inte är en konsument, ska beloppet göras tillgängligt och valuteras senast den bankdag som följer på dagen för mottagandet av medlen.</P>
<P class="p1581 ft223">Artikel 86</P>
<P class="p1713 ft230">Nationella betalningstransaktioner</P>
<P class="p1482 ft201">För nationella betalningstransaktioner får medlemsstaterna föreskriva kortare maximitider för genomförandet än enligt detta avsnitt.</P>
<P class="p1712 ft223">Artikel 87</P>
<P class="p1648 ft230">Valuteringsdag och tillgängliga medel</P>
<P class="p1420 ft194"><SPAN class="ft194">1.</SPAN><SPAN class="ft237">Medlemsstaterna ska säkerställa att valuteringsdagen för kreditering av betalningsmottagarens konto senast är den bankdag då betalningstransaktionens belopp krediteras betalningsmottagarens betaltjänstleverantörs konto.</SPAN></P>
<P class="p1394 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Betalningsmottagarens betaltjänstleverantör ska säkerställa att betalningstransaktionens belopp ställs till betalnings</SPAN><SPAN class="ft82"> </SPAN>mottagarens förfogande omedelbart efter det att detta belopp krediteras betalningsmottagarens betaltjänstleverantörs konto, när det hos betalningsmottagarens betaltjänstleverantör</P>
<P class="p1608 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">inte sker någon valutakonvertering, eller</SPAN></P>
<P class="p1434 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">det sker valutakonvertering mellan euron och en medlemsstats valuta eller mellan två medlemsstaters valuta.</SPAN></P>
<P class="p1392 ft201">Den skyldighet som fastställs i denna punkt ska även gälla betalningar inom en och samma betaltjänstleverantör.</P>
<P class="p1723 ft201">3. Medlemsstaterna ska säkerställa att valuteringsdagen för debitering av betalarens betalkonto infaller tidigast vid tidpunkten när betalningstransaktionens belopp debiteras detta betalkonto.</P>
<P class="p1724 ft201">A v s n i t t 3</P>
<P class="p1725 ft230">A n s v a r</P>
<P class="p1726 ft223">Artikel 88</P>
<P class="p1727 ft230">Felaktiga unika identifikationskoder</P>
<P class="p1482 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Om en betalningsorder genomförs med hjälp av en unik identifikationskod, ska betalningsordern anses ha genom</SPAN><SPAN class="ft82"> </SPAN>förts korrekt vad avser den betalningsmottagare som angetts i den unika identifikationskoden.</P>
<P class="p1608 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Om den unika identifikationskod som lämnats av betaltjänstanvändaren är felaktig, ska betaltjänstleverantören inte</SPAN></P>
<P class="p1728 ft201">vara ansvarig enligt artikel 89 för att betalningstransaktionen inte genomförts eller för brister i dess genomförande.</P>
<P class="p1537 ft201">3. Betalarens betaltjänstleverantör ska dock vidta rimliga åtgärder för att återvinna de medel som betalningstrans<SPAN class="ft82"> </SPAN>aktionen avsåg. Betalningsmottagarens betaltjänstleverantör ska medverka i dessa ansträngningar, även genom att meddela betalarens betaltjänstleverantör all information som är relevant för återfående av medlen.</P>
<P class="p1455 ft201">Om det inte är möjligt att återfå medlen enligt första stycket ska betalarens betaltjänstleverantör på skriftlig begäran lämna all information som finns tillgänglig för betalarens betaltjänstleverantör och är relevant för betalaren när denne vill inleda ett rättsligt förfarande för att återvinna medlen.</P>
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<P class="p15 ft57">456</P>
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<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/102</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1529 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Om så har avtalats i ramavtalet får betaltjänstleverantören av betaltjänstanvändaren ta ut en avgift för återvinningen.</SPAN></P>
<P class="p1544 ft196"><SPAN class="ft196">5.</SPAN><SPAN class="ft236">Om en betaltjänstanvändare lämnar information utöver den som specificeras i artiklarna 45.1 a eller 52.2 b, ska betaltjänstleverantören endast vara ansvarig för genomförandet av betalningstransaktioner i enlighet med den unika identifikationskod som betaltjänstanvändaren har angivit.</SPAN></P>
<P class="p1509 ft223">Artikel 89</P>
<P class="p1729 ft230">Betaltjänstleverantörens ansvar för betalningstransaktioner som inte genomförts eller genomförts bristfälligt eller sent</P>
<P class="p1730 ft206">1. Om betalaren har initierat en betalningsorder, ska betaltjänstleverantören, utan att detta påverkar tillämpningen av artiklarna 71, 88.2 och 88.3 samt 93, inför betalaren vara ansvarig för att betalningstransaktionen genomförs korrekt, såvida denne inte för betalaren och i förekommande fall betalningsmottagarens betaltjänstleverantör kan styrka att betalningsmottagarens betaltjänstleverantör har mottagit betalningstransaktionens belopp i enlighet med artikel 83.1. I så fall ska betalningsmottagarens betaltjänstleverantör vara ansvarig inför betalningsmottagaren för att betalningstrans<SPAN class="ft205"> </SPAN>aktionen genomförs korrekt.</P>
<P class="p1312 ft196">Om betalarens betaltjänstleverantör är ansvarig enligt det första stycket ska denne utan onödigt dröjsmål återbetala beloppet av den icke genomförda eller bristfälliga betalningstransaktionen till betalaren och i förekommande fall återställa det debiterade betalkontots kontoställning till den som skulle ha förelegat om den bristfälligt genomförda betalnings<SPAN class="ft213"> </SPAN>transaktionen inte hade ägt rum.</P>
<P class="p1731 ft201">Krediteringens valuteringsdag för betalarens betalkonto får inte infalla senare än den dag då beloppet debiterades.</P>
<P class="p1544 ft201">Om betalningsmottagarens betaltjänstleverantör är ansvarig enligt det första stycket ska denne omedelbart ställa betal<SPAN class="ft82"> </SPAN>ningstransaktionens belopp till betalningsmottagarens förfogande och i förekommande fall kreditera betalningsmottaga<SPAN class="ft82"> </SPAN>rens betalkonto med motsvarande belopp.</P>
<P class="p1572 ft201">Krediteringens valuteringsdag för betalningsmottagarens betalkonto får inte infalla senare än den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt, i enlighet med artikel 87.</P>
<P class="p1432 ft196">När en betalningstransaktion genomförs för sent ska betalningsmottagarens betaltjänstleverantör, på begäran av betalarens betaltjänstleverantör som agerar på betalarens vägnar, se till att krediteringens valuteringsdag för betalningsmottagarens konto inte infaller senare än den dag då beloppet skulle ha valuterats om betalningstransaktionen hade genomförts korrekt.</P>
<P class="p1315 ft196">Om en betalningstransaktion inte genomförs eller genomförs bristfälligt och betalningsordern har initierats av betalaren, ska betalarens betaltjänstleverantör oavsett ansvar enligt denna punkt på begäran omedelbart försöka spåra betalnings<SPAN class="ft213"> </SPAN>transaktionen och underrätta betalaren om resultatet. Detta ska vara avgiftsfritt för betalaren.</P>
<P class="p1432 ft196">2. När en betalningsorder har initierats av eller via betalningsmottagaren, ska betalningsmottagarens betaltjänstleve<SPAN class="ft213"> </SPAN>rantör, utan att det påverkar tillämpningen av artiklarna 71, 88.2 och 88.3 samt 93, inför betalningsmottagaren vara ansvarig för att betalningsordern överförs korrekt till betalarens betaltjänstleverantör i enlighet med artikel 83.3. När betalningsmottagarens betaltjänstleverantör är ansvarig enligt detta stycke ska denne omedelbart på nytt överföra den berörda betalningsordern till betalarens betaltjänstleverantör.</P>
<P class="p1312 ft201">Om en betalningsorder överförs sent får beloppet inte valuteras på betalningsmottagarens betalkonto senare än den dag då beloppet skulle ha valuterats om överföringen hade genomförts korrekt.</P>
<P class="p1732 ft194">Betalningsmottagarens betaltjänstleverantör ska dessutom, utan att det påverkar tillämpningen av artiklarna 71, 88.2 och 88.3 samt 93, inför betalningsmottagaren vara ansvarig för hanteringen av betalningstransaktionen i enlighet med sina skyldigheter enligt artikel 87. När betalningsmottagarens betaltjänstleverantör är ansvarig enligt detta stycke ska denne se till att betalningstransaktionens belopp ställs till betalningsmottagarens förfogande omedelbart efter det att detta belopp krediteras betalningsmottagarens betaltjänstleverantörs konto. Beloppet får inte valuteras på betalningsmottagarens betal<SPAN class="ft216"> </SPAN>konto senare än den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt.</P>
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<P class="p15 ft57">457</P>
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<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td260"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td177"><P class="p3 ft194">L 337/103</P></TD>
</TR>
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<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td375"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td376"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1641 ft194">Om en betalningstransaktion inte genomförs eller genomförs bristfälligt och betalningsmottagarens betaltjänstleverantör inte är ansvarig enligt det första och det andra stycket, ska betalarens betaltjänstleverantör vara ansvarig inför betalaren. Om betalarens betaltjänstleverantör är ansvarig, ska denne på lämpligt sätt och utan onödigt dröjsmål återbetala den icke genomförda eller bristfälliga betalningstransaktionens belopp till betalaren och återställa det debiterade betalkontots kontoställning till den som skulle ha förelegat om den bristfälligt genomförda betalningstransaktionen inte hade ägt rum. Krediteringens valuteringsdag för betalarens betalkonto får inte infalla senare än den dag då beloppet debiterats.</P>
<P class="p1524 ft196">Skyldigheten i fjärde stycket ska inte tillämpas på betalarens betaltjänstleverantör när betalarens betaltjänstleverantör visar att betalningsmottagarens betaltjänstleverantör har mottagit betalningstransaktionens belopp, även om det endast före<SPAN class="ft213"> </SPAN>kom en försening vid utförandet av betalningen. I sådant fall ska betalningsmottagarens betaltjänstleverantör valutera beloppet på betalningsmottagarens betalkonto senast den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt.</P>
<P class="p1454 ft196">Om en betalningstransaktion inte genomförs eller genomförs bristfälligt och betalningsordern initierats av eller via betalningsmottagaren, ska betalningsmottagarens betaltjänstleverantör, oavsett ansvar enligt denna punkt, på begäran omedelbart försöka spåra betalningstransaktionen och meddela betalningsmottagaren om resultatet. Detta ska vara av<SPAN class="ft213"> </SPAN>giftsfritt för betalningsmottagaren.</P>
<P class="p1454 ft201">3. Betaltjänstleverantörerna ska dessutom inför sina respektive betaltjänstanvändare stå för eventuella avgifter som de förorsakat och för eventuell ränta som betaltjänstanvändaren ska erlägga till följd av att betalningstransaktionen inte genomförts eller genomförts bristfälligt eller sent.</P>
<P class="p1733 ft223">Artikel 90</P>
<P class="p1734 ft230">Ansvar vid betalningsinitieringstjänster för uteblivet genomförande, bristfälligt genomförande eller försenat genomförande av betalningstransaktioner</P>
<P class="p1735 ft196">1. När en betalningstransaktion initieras av betalaren via en leverantör av betalningsinitieringstjänster ska den kon<SPAN class="ft213"> </SPAN>toförvaltande betaltjänstleverantören, utan att det påverkar tillämpningen av artiklarna 71, 88.2 och 88.3, betala tillbaka beloppet för den icke genomförda eller bristfälligt genomförda betalningstransaktionen till betalaren och i tillämpliga fall återställa det debiterade betalkontots kontoställning till den som skulle ha förelegat om den bristfälligt genomförda betalningstransaktionen inte hade ägt rum.</P>
<P class="p1524 ft196">Bevisbördan ska ligga på leverantören av betalningsinitieringstjänster att visa att betalningsordern mottogs av betalarens kontoförvaltande betaltjänstleverantör i enlighet med artikel 78 samt – inom ramen för sin behörighet – att betalnings<SPAN class="ft213"> </SPAN>transaktionen autentiserats, registrerats korrekt och inte påverkats av ett tekniskt fel eller någon annan brist i samband med den icke genomförda, bristfälliga eller sent gjorda transaktionen.</P>
<P class="p1454 ft196">2. Om leverantören av betalningsinitieringstjänster är ansvarig för den icke genomförda, bristfälliga eller sent gjorda betalningstransaktionen ska den omedelbart ersätta den kontoförvaltande betaltjänstleverantören på dess begäran för alla förluster eller betalda belopp till följd av återbetalningen till betalaren.</P>
<P class="p1480 ft223">Artikel 91</P>
<P class="p1479 ft230">Ytterligare ekonomisk ersättning</P>
<P class="p1643 ft201">För det avtal som ingåtts mellan betaltjänstanvändaren och dennes betaltjänstleverantör får all ekonomisk ersättning utöver ersättning enligt detta avsnitt fastställas i enlighet med tillämplig lag.</P>
<P class="p1581 ft223">Artikel 92</P>
<P class="p1736 ft230">Rätt till återkrav</P>
<P class="p1543 ft196">1. Om en betaltjänstleverantörs ansvar enligt artiklarna 73 och 89 kan hänföras till en annan betaltjänstleverantör eller till en mellanhand ska denna betaltjänstleverantör eller mellanhand ersätta den första betaltjänstleverantören för förluster eller betalda belopp enligt artiklarna 73 och 89. Detta ska omfatta ersättning om någon av betaltjänstleverantörerna underlåter att använda sträng kundautentisering.</P>
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<P class="p15 ft57">458</P>
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<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/104</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
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<P class="p1544 ft201">2. Ytterligare ekonomisk ersättning får fastställas i enlighet med avtal mellan betaltjänstleverantörer och/eller mellan<SPAN class="ft82"> </SPAN>händer samt enligt den rätt som är tillämplig på detta avtal.</P>
<P class="p1467 ft223">Artikel 93</P>
<P class="p1419 ft230">Extraordinära och oförutsägbara omständigheter</P>
<P class="p1314 ft196">Inget ansvar ska uppkomma enligt kapitlen 2 eller 3 i fall av extraordinära och oförutsägbara omständigheter som den part som åberopar dessa omständigheter inte kan påverka och vars konsekvenser trots alla ansträngningar hade varit omöjliga att avvärja eller då en betaltjänstleverantör är bunden av andra rättsliga krav enligt unionsrätten eller nationell rätt.</P>
<P class="p1638 ft215">KAPITEL 4</P>
<P class="p1737 ft252">Dataskydd</P>
<P class="p1376 ft223">Artikel 94</P>
<P class="p1738 ft230">Dataskydd</P>
<P class="p1594 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Medlemsstaterna ska tillåta att betalningssystem och betaltjänstleverantörer behandlar personuppgifter när det är nödvändigt för att säkerställa förebyggande, undersökning och avslöjande av betalningsbedrägerier. Tillhandahållande av information till enskilda personer om behandlingen av personuppgifter och behandlingen av sådana personuppgifter och all annan behandling av personuppgifter enligt detta direktiv ska följa direktiv 95/46/EG, de nationella regler genom vilka direktiv 95/46/EG införlivas och förordning (EG) nr 45/2001.</SPAN></P>
<P class="p1398 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Betaltjänstleverantörer ska endast ha tillgång till, behandla och bevara sådana personuppgifter som är nödvändiga för tillhandahållande av betaltjänsterna, med uttryckligt medgivande från betaltjänstanvändaren.</SPAN></P>
<P class="p1565 ft215">KAPITEL 5</P>
<P class="p1419 ft252">Operativa risker, säkerhetsrisker och autentisering</P>
<P class="p1376 ft223">Artikel 95</P>
<P class="p1739 ft230">Hantering av operativa risker och säkerhetsrisker</P>
<P class="p1445 ft194"><SPAN class="ft194">1.</SPAN><SPAN class="ft237">Medlemsstaterna ska se till att betaltjänstleverantörerna inrättar en ram med lämpliga begränsningsåtgärder och kontrollmekanismer för att hantera operativa risker och säkerhetsrisker, med anknytning till de betaltjänster som de tillhandahåller. Som en del av denna ram ska betaltjänstleverantörerna fastställa och upprätthålla effektiva incidenthan</SPAN><SPAN class="ft216"> </SPAN>teringsförfaranden, inbegripet för upptäckt och klassificering av allvarliga operativa incidenter och säkerhetsincidenter.</P>
<P class="p1428 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Medlemsstaterna ska se till att betaltjänstleverantörerna till den behöriga myndigheten årligen, eller enligt kortare intervall som fastställs av den behöriga myndigheten, lämnar en uppdaterad och övergripande bedömning av operativa risker och säkerhetsrisker hos de betaltjänster som de tillhandahåller och om lämpligheten av de begränsningsåtgärder och kontrollmekanismer som genomförs för att hantera dessa risker.</SPAN></P>
<P class="p1312 ft196"><SPAN class="ft196">3.</SPAN><SPAN class="ft236">Senast den 13 juli 2017 ska EBA i nära samarbete med ECB och efter att ha hört alla berörda aktörer, inklusive de inom betaltjänstmarknaden, så att alla berörda intressegrupper beaktas, utfärda riktlinjer i enlighet med artikel 16 i förordning (EU) nr 1093/2010 för inrättande, genomförande och övervakning av säkerhetsåtgärderna, inbegripet certi</SPAN><SPAN class="ft213"> </SPAN>fieringsförfaranden om så är relevant.</P>
<P class="p1428 ft201">EBA ska i nära samarbete med ECB se över de riktlinjer som avses i första stycket regelbundet, och i alla händelser minst vartannat år.</P>
<P class="p1312 ft201">4. Med beaktande av de erfarenheter som gjorts vid tillämpningen av de riktlinjer som avses i punkt 3 ska EBA, i förekommande fall på begäran av kommissionen, utarbeta förslag till tekniska standarder för tillsyn för kriterier och villkor för inrättande och övervakning av säkerhetsåtgärderna.</P>
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<P class="p15 ft57">459</P>
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<DIV id="page_460">
<DIV id="dimg1">
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<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td260"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td177"><P class="p3 ft194">L 337/105</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td375"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td376"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1452 ft201">Kommissionen ska ges befogenhet att anta de tekniska standarder för tillsyn som avses i första stycket i enlighet med artiklarna <NOBR>10–14</NOBR> i förordning (EU) nr 1093/2010.</P>
<P class="p1477 ft196">5. EBA ska på området operativa risker och säkerhetsrisker med anknytning till betaltjänster främja samarbete, inklusive informationsutbyte, mellan de behöriga myndigheterna och ECB och, om så är relevant, med Europeiska unionens byrå för nät- och informationssäkerhet.</P>
<P class="p1480 ft223">Artikel 96</P>
<P class="p1592 ft230">Incidentrapportering</P>
<P class="p1482 ft201">1. Vid allvarliga operativa eller säkerhetsincidenter, ska betaltjänstleverantörerna utan onödigt dröjsmål underrätta den behöriga myndigheten i betaltjänstleverantörens hemmedlemsstat.</P>
<P class="p1477 ft196">Om incidenten påverkar eller kan påverka betaltjänstanvändarnas ekonomiska intressen ska betaltjänstleverantören utan onödigt dröjsmål informera betaltjänstanvändarna om incidenten och om alla tillgängliga åtgärder de kan vidta för att begränsa incidentens negativa effekter.</P>
<P class="p1538 ft194">2. Den behöriga myndigheten i hemmedlemsstaten ska, efter att ha mottagit underrättelsen som avses i punkt 1, utan onödigt dröjsmål låta EBA och ECB ta del av relevanta uppgifter om incidenten. Den behöriga myndigheten ska, efter att ha bedömt incidentens relevans för berörda myndigheter i den medlemsstaten, informera dem i enlighet med detta.</P>
<P class="p1740 ft201">EBA och ECB ska, i samarbete med den behöriga myndigheten i hemmedlemsstaten, bedöma incidentens relevans för andra berörda unionsmyndigheter och nationella myndigheter och informera dem i enlighet med detta. ECB ska under<SPAN class="ft82"> </SPAN>rätta medlemmarna i Europeiska centralbankssystemet om frågor som är relevanta för betalningssystemet.</P>
<P class="p1524 ft201">På grundval av den underrättelsen ska de behöriga myndigheterna i förekommande fall vidta alla nödvändiga åtgärder för att skydda det finansiella systemets omedelbara säkerhet.</P>
<P class="p1477 ft196">3. Senast den 13 januari 2018 ska EBA i nära samarbete med ECB och efter att ha hört alla berörda aktörer, inklusive de inom betaltjänstmarknaden, så att alla berörda intressegrupper beaktas, utfärda riktlinjer i enlighet med artikel 16 i förordning (EU) nr 1093/2010 för var och en av följande:</P>
<P class="p1463 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Betaltjänstleverantörer om klassificeringen av allvarliga incidenter enligt punkt 1 och om innehållet, formatet, inklusive standardiserade underrättelsemallar, och förfarandena för att anmäla sådana incidenter,</SPAN></P>
<P class="p1461 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Behöriga myndigheter om kriterierna för att bedöma incidentens relevans och vilka uppgifter i incidentrapporterna som de andra inhemska myndigheterna ska få ta del av.</SPAN></P>
<P class="p1394 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">EBA ska i, nära samarbete med ECB, regelbundet men i vart fall minst vartannat år se över riktlinjerna enligt punkt 3.</SPAN></P>
<P class="p1477 ft196"><SPAN class="ft196">5.</SPAN><SPAN class="ft236">Vid utfärdandet och översynen av riktlinjerna enligt punkt 3 ska EBA beakta de standarder och/eller specifikationer som Europeiska unionens byrå för nät- och informationssäkerhet tagit fram och offentliggjort för sektorer som bedriver annan verksamhet än tillhandahållande av betaltjänster.</SPAN></P>
<P class="p1454 ft201"><SPAN class="ft201">6.</SPAN><SPAN class="ft231">Medlemsstaterna ska se till att betaltjänstleverantörerna åtminstone en gång per år tillhandahåller de behöriga myndigheterna statistiska uppgifter om bedrägerier i samband med olika betalningsmedel. Dessa behöriga myndigheter ska tillhandahålla EBA och ECB sådana uppgifter i aggregerad form.</SPAN></P>
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<DIV id="dimg1">
<INGENBILD zsrc="H50377461x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/106</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1507 ft223">Artikel 97</P>
<P class="p1741 ft230">Autentisering</P>
<P class="p1469 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Medlemsstaterna ska sörja för att betaltjänstleverantörerna tillämpar sträng kundautentisering när betalaren</SPAN></P>
<P class="p1307 ft201">a) loggar in på sitt konto online,</P>
<P class="p1529 ft201">b) initierar en elektronisk betalningstransaktion,</P>
<P class="p1307 ft201">c) genomför någon åtgärd, på distans, som kan innebära en risk för betalningsbedrägeri eller andra missbruk.</P>
<P class="p1545 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">När det gäller initieringen av elektroniska betalningstransaktioner som avses i punkt 1 b ska medlemsstaterna säkerställa att betaltjänstleverantörerna, för elektroniska betalningstransaktion på distans, tillämpar sträng kundautentise</SPAN><SPAN class="ft213"> </SPAN>ring som ska omfatta inslag som på ett dynamiskt sätt kopplar transaktionen till ett specifikt belopp och en specifik betalningsmottagare.</P>
<P class="p1564 ft194"><SPAN class="ft194">3.</SPAN><SPAN class="ft237">När det gäller punkt 1 ska medlemsstaterna sörja för att betaltjänstleverantörerna har tillräckliga säkerhetskrav för att skydda konfidentialitet och integritet när det gäller betaltjänstanvändarnas personliga säkerhetsbehörighetsuppgifter.</SPAN></P>
<P class="p1313 ft194"><SPAN class="ft194">4.</SPAN><SPAN class="ft237">Punkterna 2 och 3 ska även tillämpas när betalningar initieras via en leverantör av betalningsinitieringstjänster. Punkterna 1 och 3 ska även tillämpas när informationen begärs via en leverantör av kontoinformationstjänster.</SPAN></P>
<P class="p1313 ft194"><SPAN class="ft194">5.</SPAN><SPAN class="ft237">Medlemsstaterna ska se till att den kontoförvaltande betaltjänstleverantören gör det möjligt för leverantören av betalningsinitieringstjänster och leverantören av kontoinformationstjänster att förlita sig på de autentiseringsförfaranden som den kontoförvaltande betaltjänstleverantören tillhandahåller betaltjänstanvändaren i enlighet med punkterna 1 och 3 samt, när leverantören av betalningsinitieringstjänster deltar, i enlighet med punkterna 1, 2 och 3.</SPAN></P>
<P class="p1467 ft223">Artikel 98</P>
<P class="p1674 ft230">Tekniska standarder för tillsyn för autentisering och kommunikation</P>
<P class="p1449 ft196">1. EBA ska, i nära samarbete med ECB och efter att ha hört alla berörda aktörer, inklusive de inom betaltjänstmark<SPAN class="ft213"> </SPAN>naden, så att alla berörda intressegrupper beaktas, utarbeta ett förslag till tekniska standarder för tillsyn som riktar sig till betaltjänstleverantörer enligt artikel 1.1 i detta direktiv i överensstämmelse med artikel 10 i förordning (EU) nr 1093/2010 och som innehåller</P>
<P class="p1307 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">kraven för den stränga kundautentiseringen som avses i artiklarna 97.1 och 97.2,</SPAN></P>
<P class="p1304 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">undantagen från tillämpningen av artikel 97.1, 97.2 och 97.3 som grundas på de kriterier som fastställs i punkt 3 i den här artikeln,</SPAN></P>
<P class="p1742 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">de krav som säkerhetsåtgärderna måste uppfylla i enlighet med artikel 97.3 i syfte att skydda konfidentialiteten och integriteten när det gäller betaltjänstanvändarnas personliga säkerhetsbehörighetsuppgifter,</SPAN></P>
<P class="p1743 ft196"><SPAN class="ft194">d)</SPAN><SPAN class="ft233">kraven på gemensamma och säkra öppna kommunikationsstandarder i </SPAN><NOBR>identifierings-,</NOBR> <NOBR>autentiserings-,</NOBR> underrättelse- och informationssyfte samt för genomförande av säkerhetsåtgärder mellan kontoförvaltande betaltjänstleverantörer, leverantörer av betalningsinitieringstjänster, leverantörer av kontoinformationstjänster, betalare, betalningsmottagare och andra tillhandahållare av betaltjänster.</P>
<P class="p1433 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Förslaget till tekniska standarder för tillsyn som avses i punkt 1 ska utarbetas av EBA i överensstämmelse i syfte att</SPAN></P>
<P class="p1423 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">säkerställa en lämplig säkerhetsnivå för betaltjänstanvändare och tillhandahållare av betaltjänster genom antagande av effektiva och riskbaserade krav,</SPAN></P>
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<P class="p15 ft57">461</P>
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<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td260"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td177"><P class="p3 ft194">L 337/107</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td375"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td376"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1323 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">säkerställa säkerhet för betaltjänstanvändares medel och personuppgifter,</SPAN></P>
<P class="p1323 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">säkerställa och upprätthålla rättvis konkurrens mellan alla betaltjänstleverantörer,</SPAN></P>
<P class="p1613 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">säkerställa neutralitet beträffande teknik och affärsmodeller,</SPAN></P>
<P class="p1613 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft235">möjliggöra utveckling av användarvänliga, lättillgängliga och innovativa betalningsmedel.</SPAN></P>
<P class="p1744 ft262"><SPAN class="ft201">3.</SPAN><SPAN class="ft261">De undantag som avses i punkt 1 b ska bygga på följande kriterier: a) Den risk som är förenad med den tillhandahållna tjänsten.</SPAN></P>
<P class="p1660 ft201">b) Transaktionens belopp och/eller om den upprepas.</P>
<P class="p1613 ft201">c) Det betalningssätt som används för att genomföra transaktionen.</P>
<P class="p1610 ft206"><SPAN class="ft206">4.</SPAN><SPAN class="ft258">EBA ska överlämna det förslag till tekniska standarder för tillsyn som avses i punkt 1 till kommissionen senast den</SPAN></P>
<P class="p1745 ft201"><SPAN class="ft194">13</SPAN><SPAN class="ft225">januari 2017.</SPAN></P>
<P class="p1675 ft201">Kommissionen ska ges befogenhet att anta dessa tekniska standarder för tillsyn i enlighet med artiklarna <NOBR>10–14</NOBR> i förordning (EU) nr 1093/2010.</P>
<P class="p1746 ft194">5. I enlighet med artikel 10 i förordning (EU) nr 1093/2010 ska EBA se över och vid behov regelbundet uppdatera de tekniska standarderna för tillsyn i syfte att bland annat ta hänsyn till innovation och teknisk utveckling.</P>
<P class="p1733 ft215">KAPITEL 6</P>
<P class="p1648 ft252">Förfaranden för alternativ tvistlösning</P>
<P class="p1747 ft201">A v s n i t t 1</P>
<P class="p1748 ft230">K l a g o m å l s f ö r f a r a n d e n</P>
<P class="p1749 ft223">Artikel 99</P>
<P class="p1317 ft230">Klagomål</P>
<P class="p1482 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Medlemsstaterna ska se till att det inrättas förfaranden för att göra det möjligt för betaltjänstanvändare och andra berörda parter, däribland konsumentorganisationer, att till de behöriga myndigheterna anmäla klagomål som rör betal</SPAN><SPAN class="ft82"> </SPAN>tjänstleverantörers påstådda överträdelser av detta direktiv.</P>
<P class="p1750 ft194"><SPAN class="ft194">2.</SPAN><SPAN class="ft237">I lämpliga fall och utan påverkan på rätten att få saken prövad i domstol i enlighet med nationell processrätt, ska klaganden i svaret från de behöriga myndigheterna informeras om de förfaranden för alternativ tvistlösning som fastställs</SPAN></P>
<P class="p1414 ft201"><SPAN class="ft194">i</SPAN><SPAN class="ft225">enlighet med artikel 102.</SPAN></P>
<P class="p1751 ft223">Artikel 100</P>
<P class="p1752 ft230">Behöriga myndigheter</P>
<P class="p1753 ft201">1. Medlemsstaterna ska utse behöriga myndigheter för att säkerställa och övervaka att detta direktiv följs effektivt. De behöriga myndigheterna ska vidta alla lämpliga åtgärder för att se till att så sker.</P>
<P class="p1754 ft201">De ska vara antingen</P>
<P class="p1476 ft201">a) behöriga myndigheter i den mening som avses i artikel 4.2 i förordning (EU) nr 1093/2010, eller</P>
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<P class="p15 ft57">462</P>
</DIV>
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<DIV id="dimg1">
<INGENBILD zsrc="H50377463x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/108</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1423 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">organ som erkänts enligt nationell rätt eller av offentliga myndigheter som enligt nationell rätt uttryckligen har bemyndigats för detta ändamål.</SPAN></P>
<P class="p1731 ft201">De får inte vara betaltjänstleverantörer, med undantag för nationella centralbanker.</P>
<P class="p1313 ft194">2. De myndigheter som avses i punkt 1 ska ha alla befogenheter och resurser som krävs för att fullgöra sina uppdrag. När mer än en behörig myndighet bemyndigas att säkerställa och övervaka att detta direktiv följs effektivt ska medlems<SPAN class="ft216"> </SPAN>staterna se till att de myndigheterna har ett nära samarbete, så att de kan fullgöra sina respektive uppdrag effektivt.</P>
<P class="p1402 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">De behöriga myndigheterna ska utöva sina befogenheter i enlighet med nationell rätt antingen</SPAN></P>
<P class="p1305 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">direkt inom ramen för sina egna befogenheter eller under tillsyn av de rättsliga myndigheterna, eller</SPAN></P>
<P class="p1446 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">genom ansökan till domstolar som är behöriga att fatta det beslut som krävs, inbegripet, när så är lämpligt, genom överklagande, om ansökan om att fatta det nödvändiga beslutet avslås.</SPAN></P>
<P class="p1515 ft196"><SPAN class="ft196">4.</SPAN><SPAN class="ft236">Vid överträdelse eller misstanke om överträdelse av bestämmelser i nationell rätt som införlivar avdelningarna III och IV, ska de behöriga myndigheterna enligt punkt 1 i denna artikel vara de behöriga myndigheterna i betaltjänst</SPAN><SPAN class="ft213"> </SPAN>leverantörens hemmedlemsstat, utom för ombud och filialer vars verksamhet bedrivs enligt etableringsrätten, då de ska vara värdmedlemsstatens behöriga myndigheter.</P>
<P class="p1315 ft196"><SPAN class="ft196">5.</SPAN><SPAN class="ft236">Så snart som möjligt och under alla omständigheter senast den 13 januari 2018 ska medlemsstaterna meddela kommissionen vilka behöriga myndigheter som har utsetts enligt punkt 1. De ska informera kommissionen om eventuell uppdelning av dessa myndigheters uppdrag. De ska utan dröjsmål underrätta kommissionen om alla eventuella senare förändringar av utsedda myndigheter och av deras befogenheter.</SPAN></P>
<P class="p1472 ft194"><SPAN class="ft194">6.</SPAN><SPAN class="ft237">EBA ska, efter samråd med ECB, utfärda riktlinjer för behöriga myndigheter i enlighet med artikel 16 i förordning (EU) nr 1093/2010 om vilka klagomålsförfaranden som ska övervägas för att säkerställa efterlevnaden av punkt 1 i den här artikeln. Riktlinjerna ska utfärdas senast den 13 januari 2018 och ska uppdateras regelbundet när så krävs.</SPAN></P>
<P class="p1755 ft201">A v s n i t t 2</P>
<P class="p1756 ft230">F ö r f a r a n d e n f ö r a l t e r n a t i v t v i s t l ö s n i n g o c h s a n k t i o n e r</P>
<P class="p1757 ft223">Artikel 101</P>
<P class="p1758 ft230">Tvistlösning</P>
<P class="p1475 ft196">1. Medlemsstaterna ska se till att betaltjänstleverantörer inför och tillämpar lämpliga och effektiva förfaranden för hantering av klagomål för att reglera betaltjänstanvändares klagomål som gäller de rättigheter och skyldigheter som fastställs i avdelningarna III och IV i detta direktiv, och ska kontrollera deras åtgärder i detta avseende.</P>
<P class="p1466 ft201">Dessa förfaranden ska tillämpas i alla medlemsstater där betaltjänstleverantören tillhandahåller betaltjänsterna och ska vara tillgängliga på ett språk som är officiellt språk i den berörda medlemsstaten eller på ett annat språk som betaltjänst<SPAN class="ft82"> </SPAN>leverantören och betaltjänstanvändaren kommit överens om.</P>
<P class="p1759 ft206">2. Medlemsstaterna ska kräva att betaltjänstleverantörer gör allt för att på papper eller något annat varaktigt medium som betaltjänstleverantören och betaltjänstanvändaren kommit överens om besvara betaltjänstanvändares klagomål. I ett sådant svar ska varje punkt i klagomålet besvaras, i rimlig tid och senast inom 15 bankdagar efter det att klagomålet mottagits. Under särskilda omständigheter som betaltjänstleverantören inte kan påverka och svaret inte kan lämnas inom 15 bankdagar, ska denne skicka ett preliminärt svar, med klart angivna skäl till förseningen av svaret på klagomålet och med angivande av när betaltjänstanvändaren ska få det definitiva svaret. Inte under några omständigheter får tidsfristen för mottagande av det slutliga svaret överskrida 35 bankdagar.</P>
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<P class="p15 ft57">463</P>
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<DIV id="page_464">
<DIV id="dimg1">
<INGENBILD zsrc="H50377464x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td260"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td177"><P class="p3 ft194">L 337/109</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td375"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td376"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1675 ft201">Medlemsstaterna får införa eller behålla regler för tvistlösningsförfaranden som är mer fördelaktiga för betaltjänstanvän<SPAN class="ft82"> </SPAN>daren än det som avses i första stycket. När de gör det ska dessa regler tillämpas.</P>
<P class="p1521 ft194"><SPAN class="ft194">3.</SPAN><SPAN class="ft237">Betaltjänstleverantören ska informera betaltjänstanvändaren om minst ett alternativt tvistlösningsorgan som är behörigt att behandla tvister som gäller de rättigheter och skyldigheter som fastställs i avdelningarna III och IV.</SPAN></P>
<P class="p1503 ft196"><SPAN class="ft196">4.</SPAN><SPAN class="ft236">Informationen enligt punkt 3 ska vara tydlig, begriplig och lätt tillgänglig på betaltjänstleverantörens webbplats, om sådan finns, vid filialen och i de allmänna villkoren för avtal mellan betaltjänstleverantören och betaltjänstanvändaren. Det ska anges var ytterligare information kan inhämtas om det berörda alternativa tvistlösningsorganet och villkoren för att anlita ett sådant organ.</SPAN></P>
<P class="p1760 ft223">Artikel 102</P>
<P class="p1667 ft230">Förfaranden för alternativ tvistlösning</P>
<P class="p1413 ft194"><SPAN class="ft194">1.</SPAN><SPAN class="ft237">Medlemsstaterna ska se till att det i enlighet med relevant nationell rätt och unionsrätten i enlighet med Europa</SPAN><SPAN class="ft216"> </SPAN>parlamentets och rådets direktiv 2013/11/EU (<SPAN class="ft222">1</SPAN>) införs lämpliga, oberoende, opartiska, öppna och effektiva förfaranden för alternativ tvistlösning för att avgöra tvister mellan betaltjänstanvändare och deras betaltjänstleverantörer om rättig<SPAN class="ft216"> </SPAN>heter och skyldigheter enligt avdelningarna III och IV i det här direktivet, varvid befintliga behöriga organ ska utnyttjas när så är lämpligt. Medlemsstaterna ska se till att förfaranden för alternativ tvistlösning är tillämpliga på betaltjänst<SPAN class="ft216"> </SPAN>leverantörer och att de även omfattar utsedda ombuds verksamhet.</P>
<P class="p1761 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Medlemsstaterna ska kräva att de organ som avses i punkt 1 i denna artikel samarbetar effektivt för att lösa gränsöverskridande tvister om de rättigheter och skyldigheter som gäller enligt avdelningarna III och IV.</SPAN></P>
<P class="p1762 ft223">Artikel 103</P>
<P class="p1763 ft230">Sanktioner</P>
<P class="p1554 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Medlemsstaterna ska fastställa regler om vilka sanktioner som ska tillämpas vid överträdelser av nationell rätt som införlivar detta direktiv och vidta alla nödvändiga åtgärder för att se till att de genomförs. Sanktionerna ska vara effektiva, proportionella och avskräckande.</SPAN></P>
<P class="p1417 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Medlemsstaterna ska tillåta att deras behöriga myndigheter offentliggör administrativa sanktioner som påförs för överträdelser av de bestämmelser som antas för införlivande av detta direktiv, om inte offentliggörandet allvarligt äventyrar de finansiella marknaderna eller åsamkar de berörda parterna oproportionell skada.</SPAN></P>
<P class="p1764 ft194">AVDELNING V</P>
<P class="p1548 ft200">DELEGERADE AKTER OCH TEKNISKA STANDARDER FÖR TILLSYN</P>
<P class="p1765 ft223">Artikel 104</P>
<P class="p1766 ft230">Delegerade akter</P>
<P class="p1318 ft201">Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 105 med avseende på:</P>
<P class="p1767 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">I artikel 4.36 anpassning av hänvisningen till rekommendation 2003/361/EG, om den rekommendationen ändras.</SPAN></P>
<P class="p1646 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Ändring av beloppen i artiklarna 32.1 och 74.1 av hänsyn till inflation.</SPAN></P>
<P class="p1768 ft194">(<SPAN class="ft207">1</SPAN>) Europaparlamentets och rådets direktiv 2013/11/EU av den 21 maj 2013 om alternativ tvistlösning vid konsumenttvister och om ändring av förordning (EG) nr 2006/2004 och direktiv 2009/22/EG (direktivet om alternativ tvistlösning) (EUT L 165, 18.6.2013, s. 63).</P>
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<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/110</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1769 ft223">Artikel 105</P>
<P class="p1430 ft230">Utövande av delegeringen</P>
<P class="p1469 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Befogenhet att anta delegerade akter ges till kommissionen med förbehåll för de villkor som anges i denna artikel.</SPAN></P>
<P class="p1315 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Den befogenhet att anta delegerade akter som avses i artikel 104 ska ges till kommissionen tills vidare från och med den 12 januari 2016.</SPAN></P>
<P class="p1427 ft194"><SPAN class="ft194">3.</SPAN><SPAN class="ft237">Den befogenhet att anta delegerade akter som avses i artikel 104 får när som helst återkallas av Europaparlamentet eller rådet. Ett beslut om återkallelse innebär att delegeringen av den befogenhet som anges i beslutet upphör att gälla. Beslutet får verkan dagen efter det att det offentliggörs i </SPAN><SPAN class="ft215">Europeiska unionens officiella tidning</SPAN>, eller vid ett senare i beslutet angivet datum. Det påverkar inte giltigheten av delegerade akter som redan har trätt i kraft.</P>
<P class="p1305 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Så snart kommissionen antar en delegerad akt ska den samtidigt delge Europaparlamentet och rådet denna.</SPAN></P>
<P class="p1432 ft196"><SPAN class="ft196">5.</SPAN><SPAN class="ft236">En delegerad akt som antas enligt artikel 104 ska träda i kraft endast om varken Europaparlamentet eller rådet har gjort invändningar mot den delegerade akten inom en period av tre månader från den dag då akten delgavs Europa</SPAN><SPAN class="ft213"> </SPAN>parlamentet och rådet, eller om både Europaparlamentet och rådet, före utgången av den perioden, har underrättat kommissionen om att de inte kommer att invända. Denna period kan förlängas med tre månader på Europaparlamentets eller rådets initiativ.</P>
<P class="p1770 ft223">Artikel 106</P>
<P class="p1771 ft230">Skyldighet att informera konsumenterna om deras rättigheter</P>
<P class="p1475 ft196"><SPAN class="ft196">1.</SPAN><SPAN class="ft236">Senast den 13 januari 2018 ska kommissionen utarbeta en användarvänlig elektronisk broschyr, som på ett tydligt och lättbegripligt sätt redogör för konsumenternas rättigheter enligt detta direktiv och annan unionsrätt på närliggande områden.</SPAN></P>
<P class="p1315 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Kommissionens ska informera medlemsstaterna, europeiska betaltjänstleverantörers sammanslutningar och europe</SPAN><SPAN class="ft82"> </SPAN>iska konsumentorganisationer om offentliggörandet av den broschyr som avses i punkt 1.</P>
<P class="p1772 ft201">Kommissionen, EBA och de behöriga myndigheterna ska var för sig säkerställa att broschyren gör åtkomlig på ett lätt<SPAN class="ft82"> </SPAN>tillgängligt sätt på deras webbplatser.</P>
<P class="p1515 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Betaltjänstleverantörer ska se till att broschyren görs åtkomlig på ett lättillgängligt sätt på deras webbplats, om de har någon sådan, och i pappersform vid deras filialer, hos deras ombud och vid de enheter till vilka deras verksamhet har utkontrakterats.</SPAN></P>
<P class="p1572 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft231">Betaltjänstleverantörer får inte ta ut någon avgift av sina kunder för den information som enligt denna artikel görs åtkomlig.</SPAN></P>
<P class="p1544 ft201"><SPAN class="ft201">5.</SPAN><SPAN class="ft231">När det gäller personer med funktionsnedsättning ska bestämmelserna i denna artikel tillämpas med användning av alternativa medel, som medger att informationen görs åtkomlig i ett tillgängligt format.</SPAN></P>
<P class="p1773 ft194">AVDELNING VI</P>
<P class="p1774 ft200">SLUTBESTÄMMELSER</P>
<P class="p1757 ft223">Artikel 107</P>
<P class="p1775 ft230">Fullständig harmonisering</P>
<P class="p1426 ft201">1. Utan att det påverkar tillämpningen av artiklarna 2, 8.3, 32, 38.2, 42.2, 55.6, 57.3, 58.3, 61.2, 61.3, 62.5, 63.2, 63.3, artikel 74.1 andra stycket och artikel 86 får medlemsstaterna i den mån detta direktiv innehåller harmoniserade bestämmelser inte behålla eller införa andra bestämmelser än de som föreskrivs i direktivet.</P>
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<DIV id="dimg1">
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</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td260"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td177"><P class="p3 ft194">L 337/111</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td375"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td376"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1452 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">Om en medlemsstat utnyttjar någon av de möjligheter som avses i punkt 1, ska den informera kommissionen om detta och om alla följande ändringar. Kommissionen ska offentliggöra informationen på en webbplats eller på annat sätt som ger lätt åtkomst.</SPAN></P>
<P class="p1417 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Medlemsstaterna ska se till att betaltjänstleverantörer inte avviker från bestämmelser i nationell rätt som införlivar detta direktiv till nackdel för betaltjänstanvändarna, om inte detta uttryckligen föreskrivs i direktivet.</SPAN></P>
<P class="p1776 ft201">Betaltjänstleverantörer får dock besluta att ge betaltjänstanvändare förmånligare villkor.</P>
<P class="p1777 ft223">Artikel 108</P>
<P class="p1778 ft230">Översynsklausul</P>
<P class="p1753 ft201">Senast den 13 januari 2021 ska kommissionen till Europaparlamentet, rådet, ECB och Europeiska ekonomiska och sociala kommittén överlämna en rapport om dess tillämpning och effekter, särskilt om</P>
<P class="p1767 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">lämplighet och effekter när det gäller avgiftsreglerna enligt artiklarna 62.3, 62.4 och 62.5,</SPAN></P>
<P class="p1779 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">tillämpningen av artikel 2.3 och 2.4 inbegripet en bedömning av huruvida avdelningarna III och IV när det är tekniskt möjligt kan tillämpas i sin helhet på de betalningstransaktioner som avses i dessa punkter,</SPAN></P>
<P class="p1646 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft235">tillträdet till betalningssystemen, särskilt vad gäller graden av konkurrens,</SPAN></P>
<P class="p1780 ft201"><SPAN class="ft194">d)</SPAN><SPAN class="ft225">lämpligheten och effekten av trösklarna för de betalningstransaktioner som avses i artikel 3 l,</SPAN></P>
<P class="p1780 ft201"><SPAN class="ft203">e)</SPAN><SPAN class="ft235">lämpligheten och effekten av trösklarna för de undantag som avses i artikel 32.1 a,</SPAN></P>
<P class="p1781 ft196"><SPAN class="ft196">f)</SPAN><SPAN class="ft232">huruvida det, med tanke på utvecklingen, skulle vara önskvärt att, som ett komplement till bestämmelserna i artikel 75 om betalningstransaktioner där beloppet inte är känt i förväg och medlen är spärrade, införa maxgränser för de belopp som ska spärras på betalarens betalkonto i sådana situationer.</SPAN></P>
<P class="p1202 ft201">Om så krävs ska kommissionen överlämna ett lagstiftningsförslag tillsammans med sin rapport.</P>
<P class="p1782 ft223">Artikel 109</P>
<P class="p1783 ft230">Övergångsbestämmelse</P>
<P class="p1413 ft194">1. Betalningsinstitut som har inlett verksamhet i enlighet med den nationella rätt som införlivar direktiv 2007/64/EG senast den 13 januari 2018 ska medlemsstaterna tillåta att till och med den 13 juli 2018 fortsätta bedriva denna verksamhet i enlighet med kraven i direktiv 2007/64/EG, utan att behöva ansöka om auktorisation i enlighet med artikel 5 i det här direktivet eller iaktta de andra bestämmelser som fastställs eller anges i avdelning II i direktivet.</P>
<P class="p1784 ft194">Medlemsstaterna ska kräva att dessa betalningsinstitut lämnar all relevant information till de behöriga myndigheterna så att dessa senast den 13 juli 2018 ska kunna bedöma om dessa betalningsinstitut uppfyller kraven i avdelning II, och i annat fall vilka åtgärder som krävs för att se till att de uppfylls eller om auktorisationen bör återkallas.</P>
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<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/112</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1427 ft194">Betalningsinstitut som vid de behöriga myndigheternas kontroll uppfyller kraven enligt avdelning II ska beviljas aukto<SPAN class="ft216"> </SPAN>risation och föras in i de register som avses i artiklarna 14 och 15. Om dessa betalningsinstitut inte uppfyller kraven enligt avdelning II senast den 13 juli 2018, ska de förbjudas att tillhandahålla betalningstjänster i enlighet med artikel 37.</P>
<P class="p1686 ft196"><SPAN class="ft196">2.</SPAN><SPAN class="ft236">Medlemsstaterna får besluta att betalningsinstitut som avses i punkt 1 i denna artikel automatiskt ska beviljas auktorisation och föras in i de register som avses i artiklarna 14 och 15 om de behöriga myndigheterna redan har bevis för att kraven enligt i artiklarna 5 och 11 är uppfyllda. De behöriga myndigheterna ska informera de berörda betal</SPAN><SPAN class="ft213"> </SPAN>ningsinstituten innan de beviljas auktorisation.</P>
<P class="p1688 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Denna punkt är tillämplig på fysiska eller juridiska personer som omfattas av artikel 26 i direktiv 2007/64/EG före den 13 januari 2018 och som har bedrivit betaltjänstverksamhet enligt direktiv 2007/64/EG.</SPAN></P>
<P class="p1312 ft196">Medlemsstaterna ska fram till den 13 januari 2019 tillåta dessa personer att fortsätta att bedriva dessa verksamheter inom den berörda medlemsstaten i enlighet med direktiv 2007/64/EG, utan att vara skyldiga att ansöka om auktorisation enligt artikel 5 i det här direktivet, eller erhålla ett undantag enligt artikel 32 i det här direktivet eller uppfylla de andra bestämmelser som fastställs eller anges i avdelning II i det här direktivet.</P>
<P class="p1450 ft194">Varje person som avses i första stycket som inte senast den 13 januari 2019 har auktoriserats eller beviljats undantag enligt det här direktivet ska förbjudas att tillhandahålla betalningstjänster i enlighet med artikel 37 i det här direktivet.</P>
<P class="p1686 ft196"><SPAN class="ft196">4.</SPAN><SPAN class="ft236">Medlemsstaterna får tillåta att fysiska och juridiska personer som omfattas av ett undantag som avses i punkt 3 ska anses omfattas av ett undantag och automatiskt föras in i de register som avses i artiklarna 14 och 15, när de behöriga myndigheterna redan har uppgifter som visar att kraven enligt artikel 32 är uppfyllda. De behöriga myndigheterna ska informera de berörda betalningsinstituten.</SPAN></P>
<P class="p1466 ft196"><SPAN class="ft196">5.</SPAN><SPAN class="ft236">Trots vad som sägs i punkt 1 i den här artikeln ska betalningsinstitut som har beviljats auktorisation att till</SPAN><SPAN class="ft213"> </SPAN>handahålla betaltjänster som avses i punkt 7 i bilagan till direktiv 2007/64/EG behålla denna auktorisation för till<SPAN class="ft213"> </SPAN>handahållandet av de betaltjänster som anses vara betaltjänster som avses punkt 3 i bilaga I till det här direktivet, om de behöriga myndigheterna senast den 13 januari 2020 har bevis för att kraven i artiklarna 7 c och 9 i det här direktivet är uppfyllda.</P>
<P class="p1785 ft223">Artikel 110</P>
<P class="p1786 ft230">Ändringar av direktiv 2002/65/EG</P>
<P class="p1616 ft201">Artikel 4.5 i direktiv 2002/65/EG ska ersättas med följande:</P>
<P class="p1686 ft196">”5. Om Europaparlamentets och rådets direktiv (EU) 2015/2366 (*) också är tillämpligt, ska emellertid informations<SPAN class="ft213"> </SPAN>krav enligt artikel 3.1 i det här direktivet, utom leden 2 <NOBR>c–g,</NOBR> 3 a, d och e samt 4 b, ersättas med artiklarna 44, 45, 51 och 52 i direktiv (EU) 2015/2366.</P>
<P class="p1787 ft201">___________</P>
<P class="p1788 ft196"><SPAN class="ft203">(*)</SPAN><SPAN class="ft233">Europaparlamentets och rådets direktiv (EU) 2015/2366 av den 25 november 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG, 2013/36/EU och förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG (EUT L 337, 23.12.2015, s. 35).”</SPAN></P>
<P class="p1789 ft223">Artikel 111</P>
<P class="p1578 ft230">Ändringar av direktiv 2009/110/EG</P>
<P class="p1616 ft201">Direktiv 2009/110/EG ska ändras på följande sätt:</P>
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<DIV id="dimg1">
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</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td260"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td177"><P class="p3 ft194">L 337/113</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td375"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td376"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1323 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft225">Artikel 3 ska ändras på följande sätt:</SPAN></P>
<P class="p1790 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft235">Punkt 1 ska ersättas med följande:</SPAN></P>
<P class="p1791 ft201">”1. Utan att det påverkar tillämpningen av det här direktivet ska artiklarna 5, <NOBR>11–17,</NOBR> 19.5 och 19.6 och <NOBR>20–31,</NOBR> i Europaparlamentets och rådets direktiv (EU) 2015/2366 (*), inbegripet de delegerade akter som antas enligt artiklarna 15.4, 28.5 och 29.7, gälla i tillämpliga delar för institut för elektroniska pengar.</P>
<P class="p1792 ft201">___________</P>
<P class="p1793 ft201"><SPAN class="ft203">(*)</SPAN><SPAN class="ft235">Europaparlamentets och rådets direktiv (EU) 2015/2366 av den 25 november 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG, 2013/36/EU och förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG (EUT L 337, 23.12.2015, s. 35).”</SPAN></P>
<P class="p1794 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft225">Punkterna 4 och 5 ska ersättas med följande:</SPAN></P>
<P class="p1795 ft194">”4. Medlemsstaterna ska tillåta institut för elektroniska pengar att distribuera och lösa in elektroniska pengar via fysiska eller juridiska personer som agerar för deras räkning. Om institutet för elektroniska pengar distribuerar elektroniska pengar i en annan medlemsstat genom att anlita en sådan fysisk eller juridisk person ska artiklarna <NOBR>27–31,</NOBR> med undantag av artikel 29.4 och 29.5, i direktiv (EU) 2015/2366, inbegripet de delegerade akter som antas i enlighet med artiklarna 28.5 och 29.7, gälla i tillämpliga delar för sådana institut för elektroniska pengar.</P>
<P class="p1796 ft194"><SPAN class="ft194">5.</SPAN><SPAN class="ft237">Utan hinder av punkt 4 i den här artikeln får institut för elektroniska pengar inte ge ut elektroniska pengar via ombud. Institut för elektroniska pengar ska tillåtas att tillhandahålla sådana betaltjänster som avses i artikel 6.1 a i det här direktivet via ombud i enlighet med villkoren som fastställs i artikel 19 i direktiv (EU) 2015/2366.”</SPAN></P>
<P class="p1780 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft225">I artikel 18 ska följande punkt läggas till:</SPAN></P>
<P class="p1797 ft196">”4. Medlemsstaterna ska tillåta institut för elektroniska pengar som före den 13 januari 2018 har inlett verksamhet i enlighet med det här direktivet och direktiv 2007/64/EG i den medlemsstat där de har sitt säte att fortsätta bedriva verksamhet i den medlemsstaten eller i en annan medlemsstat, utan att behöva ansöka om auktorisation i enlighet med artikel 3 i det här direktivet eller iaktta övriga bestämmelser som fastställs eller anges i avdelning II i detta direktiv fram till den 13 juli 2018.</P>
<P class="p1798 ft196">Medlemsstaterna ska kräva att institut för elektroniska pengar enligt första stycket lämnar all relevant information till de behöriga myndigheterna så att dessa senast den 13 juli 2018 ska kunna bedöma om de instituten för elektroniska pengar uppfyller kraven som fastställs i avdelning II i det här direktivet, och i annat fall vilka åtgärder som krävs för att se till att de uppfylls eller om auktorisationen bör återkallas.</P>
<P class="p1799 ft194">Institut för elektroniska pengar enligt första stycket som vid de behöriga myndigheternas kontroll uppfyller kraven enligt avdelning II ska beviljas auktorisation och tas upp i registret. Om dessa institut för elektroniska pengar inte uppfyller kraven som fastställs i avdelning II senast den 13 juli 2018 ska de förbjudas att ge ut elektroniska pengar.”</P>
<P class="p1782 ft223">Artikel 112</P>
<P class="p1800 ft230">Ändringar av förordning (EU) nr 1093/2010</P>
<P class="p1318 ft201">Förordning (EU) nr 1093/2010 ska ändras på följande sätt:</P>
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<P class="p15 ft57">468</P>
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<DIV id="dimg1">
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<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/114</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1529 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft225">I artikel 1 ska punkt 2 ersättas med följande:</SPAN></P>
<P class="p1801 ft194">”2. Myndigheten ska agera enligt de befogenheter som den tilldelas genom denna förordning och vara verksam inom tillämpningsområdet för direktiv 2002/87/EG, direktiv 2009/110/EG, Europaparlamentets och rådets förordning (EU) nr 575/2013 (*), Europaparlamentets och rådets direktiv 2013/36/EU (**), Europaparlamentets och rådets direktiv 2014/49/EU (***), Europaparlamentets och rådets förordning (EU) 2015/847 (****) Europaparlamentets och rådets direktiv (EU) 2015/2366 (*****) samt, i den mån dessa akter tillämpas på kredit- och finansinstitut och de behöriga myndigheter som övervakar dem, inom ramen för de tillämpliga delarna av direktiv 2002/65/EG och Europaparlamen<SPAN class="ft216"> </SPAN>tets och rådets direktiv (EU) 2015/849 (******), inbegripet alla direktiv, förordningar och beslut som grundas på dessa akter och alla framtida rättsligt bindande unionsakter genom vilka myndigheten tilldelas befogenheter. Myndigheten ska också agera i enlighet med rådets förordning (EU) nr 1024/2013 ( (*******).</P>
<P class="p1634 ft201">___________</P>
<P class="p1802 ft206"><SPAN class="ft203">(*)</SPAN><SPAN class="ft260">Europaparlamentets och rådets förordning (EU) nr 575/2013 av den 26 juni 2013 om tillsynskrav för kreditinstitut och värdepappersföretag och om ändring av förordning (EU) nr 648/2012 (EUT L 176, 27.6.2013, s. 1).</SPAN></P>
<P class="p50 ft206"><SPAN class="ft263">(**)</SPAN><SPAN class="ft260">Europaparlamentets och rådets direktiv 2013/36/EU av den 26 juni 2013 om behörighet att utöva verk</SPAN><SPAN class="ft205"></SPAN></P>
<P class="p1803 ft194">samhet i kreditinstitut och om tillsyn av kreditinstitut och värdepappersföretag, om ändring av direktiv 2002/87/EG och om upphävande av direktiv 2006/48/EG och 2006/49/EG (EUT L 176, 27.6.2013, s. 338).</P>
<P class="p1804 ft265"><SPAN class="ft263">(***)</SPAN><SPAN class="ft264">Europaparlamentets och rådets direktiv 2014/49/EU av den 16 april 2014 om insättningsgarantisystem (EUT L 173, 12.6.2014, s. 149).</SPAN></P>
<P class="p1805 ft194">(****) Europaparlamentets och rådets förordning (EU) 2015/847 av den 20 maj 2015 om uppgifter som ska åtfölja överföringar av medel och om upphävande av förordning (EG) nr 1781/2006 (EUT L 141, 5.6.2015, s. 1).</P>
<P class="p1806 ft194">(*****) Europaparlamentets och rådets direktiv (EU) 2015/2366 av den 25 november 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG, 2013/36/EU och förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG (EUT L 337, 23.12.2015, s. 35).</P>
<P class="p1807 ft194">(******) Europaparlamentets och rådets direktiv (EU) 2015/849 av den 20 maj 2015 om åtgärder för att förhindra att det finansiella systemet används för penningtvätt eller finansiering av terrorism, om ändring av Europapar<SPAN class="ft216"> </SPAN>lamentets och rådets förordning (EU) nr 648/2012 och om upphävande av Europaparlamentets och rådets direktiv 2005/60/EG och kommissionens direktiv 2006/70/EG (EUT L 141, 5.6.2015, s. 73).</P>
<P class="p1808 ft194">(*******) Rådets förordning (EU) nr 1024/2013 av den 15 oktober 2013 om tilldelning av särskilda uppgifter till Europeiska centralbanken i fråga om politiken för tillsyn över kreditinstitut (EUT L 287, 29.10.2013, s. 63).”</P>
<P class="p1809 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft225">Artikel 4.1 ska ersättas med följande:</SPAN></P>
<P class="p1810 ft194">”1. <SPAN class="ft215">finansiella institut</SPAN>: <SPAN class="ft215">kreditinstitut </SPAN>enligt definitionen i artikel 4.1.1 i förordning (EU) nr 575/2013, <SPAN class="ft215">värdepappersföretag </SPAN>enligt definitionen i artikel 4.1.2 i förordning (EU) nr 575/2013, <SPAN class="ft215">finansiella konglomerat </SPAN>enligt definitionen i artikel 2.14 i direktiv 2002/87/EG, <SPAN class="ft215">betaltjänstleverantörer </SPAN>enligt definitionen i artikel 4.11 i direktiv (EU) 2015/2366 och <SPAN class="ft215">institut för elektroniska pengar </SPAN>enligt definitionen i artikel 2.1 i direktiv 2009/110/EG, med förbehåll för att, vad gäller direktiv (EU) 2015/849, <SPAN class="ft215">finansiella institut </SPAN>avser kreditinstitut och finansiella institut enligt definitionen i artikel 3.1 och 3.2 i direktiv (EU) 2015/849.”</P>
<P class="p1811 ft223">Artikel 113</P>
<P class="p1812 ft230">Ändring av direktiv 2013/36/EU</P>
<P class="p1616 ft201">Punkt 4 i bilaga I till direktiv 2013/36/EU ska ersättas med följande:</P>
<P class="p1813 ft201">”4. Betaltjänster enligt definitionen i artikel 4.3 i Europaparlamentets och rådets direktiv (EU) 2015/2366 (*).</P>
<P class="p1308 ft201">___________</P>
<P class="p1814 ft196"><SPAN class="ft203">(*)</SPAN><SPAN class="ft232">Europaparlamentets och rådets direktiv (EU) 2015/2366 av den 25 november 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG, 2013/36/EU och förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG (EUT L 337, 23.12.2015, s. 35).”</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">469</P>
</DIV>
</DIV>
<DIV id="page_470">
<DIV id="dimg1">
<INGENBILD zsrc="H50377470x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t130">
<TR>
<TD class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td357"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td260"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td177"><P class="p3 ft194">L 337/115</P></TD>
</TR>
<TR>
<TD class="tr14 td359"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td375"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td376"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
<P class="p1751 ft223">Artikel 114</P>
<P class="p1815 ft230">Upphävande</P>
<P class="p1318 ft201">Direktiv 2007/64/EG ska upphöra med verkan den 13 januari 2018.</P>
<P class="p1816 ft201">Hänvisningar till det upphävda direktivet ska anses som hänvisningar till det här direktivet och ska läsas i enlighet med jämförelsetabellen i bilaga II till det här direktivet.</P>
<P class="p1817 ft223">Artikel 115</P>
<P class="p1818 ft230">Införlivande</P>
<P class="p1482 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft231">Senast den 13 januari 2018 ska medlemsstaterna anta och offentliggöra de bestämmelser som är nödvändiga för att följa detta direktiv. De ska genast underrätta kommissionen om detta.</SPAN></P>
<P class="p1819 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft231">De skall tillämpa dessa bestämmelser från och med den 13 januari 2018.</SPAN></P>
<P class="p1820 ft194">När en medlemsstat antar dessa bestämmelser, ska de innehålla en hänvisning till detta direktiv eller åtföljas av en sådan hänvisning när de offentliggörs. Närmare föreskrifter om hur hänvisningen ska göras ska varje medlemsstat själv utfärda.</P>
<P class="p1520 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft231">Medlemsstaterna ska till kommissionen överlämna texten till de centrala bestämmelser i nationell lagstiftning som de antar inom det område som omfattas av detta direktiv.</SPAN></P>
<P class="p1821 ft194"><SPAN class="ft194">4.</SPAN><SPAN class="ft237">Genom undantag från punkt 2 ska medlemsstaterna se till att de säkerhetsåtgärder som avses i artiklarna 65, 66, 67 och 97 tillämpas från och med 18 månader efter dagen för ikraftträdandet av de tekniska standarder för tillsyn som avses</SPAN></P>
<P class="p1414 ft201"><SPAN class="ft194">i</SPAN><SPAN class="ft225">artikel 98.</SPAN></P>
<P class="p1653 ft196"><SPAN class="ft196">5.</SPAN><SPAN class="ft236">Medlemsstaterna får inte förbjuda juridiska personer som före den 12 januari 2016 har bedrivit verksamhet som leverantörer av betalningsinitieringstjänster och kontoinformationstjänster i enlighet med detta direktiv på sitt territorium, att fortsätta att bedriva samma verksamhet på sitt territorium under den övergångsperiod som avses i punkterna 2 och 4 i enlighet med den nu gällande rättsliga ramen.</SPAN></P>
<P class="p1822 ft196"><SPAN class="ft196">6.</SPAN><SPAN class="ft236">Medlemsstaterna ska se till att enskilda kontoförvaltande betaltjänstleverantörer, fram tills dess att kontoförvaltande betaltjänstleverantörer följer de tekniska standarder för tillsyn som avses i punkt 4, inte missbrukar den bristande efterlevnaden för att blockera eller förhindra användningen av betalningsinitierings- och kontoinformationstjänster för de konton som de förvaltar.</SPAN></P>
<P class="p1823 ft223">Artikel 116</P>
<P class="p1824 ft230">Ikraftträdande</P>
<P class="p1825 ft201">Detta direktiv träder i kraft den tjugonde dagen efter det att det har offentliggjorts i <SPAN class="ft223">Europeiska unionens officiella tidning</SPAN>.</P>
<P class="p1826 ft223">Artikel 117</P>
<TABLE cellpadding=0 cellspacing=0 class="t133">
<TR>
<TD class="tr38 td1"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr38 td159"><P class="p3 ft230">Adressater</P></TD>
</TR>
<TR>
<TD class="tr15 td1"><P class="p3 ft201">Detta direktiv riktar sig till medlemsstaterna.</P></TD>
<TD class="tr15 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td112"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr50 td1"><P class="p3 ft201">Utfärdat i Strasbourg den 25 november 2015.</P></TD>
<TD class="tr50 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr50 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr50 td112"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr45 td1"><P class="p1827 ft266">På Europaparlamentets vägnar</P></TD>
<TD class="tr45 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr45 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr45 td112"><P class="p1828 ft266">På rådets vägnar</P></TD>
</TR>
<TR>
<TD class="tr21 td1"><P class="p1829 ft203">M. SCHULZ</P></TD>
<TD class="tr21 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr21 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr21 td112"><P class="p1828 ft203">N. SCHMIT</P></TD>
</TR>
<TR>
<TD class="tr21 td1"><P class="p1829 ft266">Ordförande</P></TD>
<TD class="tr21 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr21 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr21 td112"><P class="p1828 ft266">Ordförande</P></TD>
</TR>
<TR>
<TD class="tr22 td1"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td369"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td112"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">470</P>
</DIV>
</DIV>
<DIV id="page_471">
<DIV id="dimg1">
<INGENBILD zsrc="H50377471x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p1210 ft57">Prop. 2017/18:77</P>
<P class="p1211 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t131">
<TR>
<TD colspan=2 class="tr30 td98"><P class="p1 ft196">L 337/116</P></TD>
<TD class="tr52 td363"><P class="p41 ft195">SV</P></TD>
<TD class="tr30 td364"><P class="p1195 ft196">Europeiska unionens officiella tidning</P></TD>
<TD class="tr30 td24"><P class="p17 ft196">23.12.2015</P></TD>
</TR>
<TR>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td357"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td367"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td368"><P class="p3 ft210"> </P></TD>
</TR>
</TABLE>
<P class="p1309 ft215">BILAGA I</P>
<P class="p1830 ft200">BETALTJÄNSTER</P>
<P class="p1831 ft201">(som avses i artikel 4.3)</P>
<P class="p1832 ft201"><SPAN class="ft201">1.</SPAN><SPAN class="ft225">Tjänster som möjliggör kontantinsättningar på ett betalkonto samt alla åtgärder som krävs för förvaltningen av ett betalkonto.</SPAN></P>
<P class="p1833 ft201"><SPAN class="ft201">2.</SPAN><SPAN class="ft225">Tjänster som möjliggör kontantuttag från ett betalkonto samt alla åtgärder som krävs för förvaltningen av ett betal</SPAN><SPAN class="ft82"> </SPAN>konto.</P>
<P class="p1833 ft201"><SPAN class="ft201">3.</SPAN><SPAN class="ft225">Genomförande av betalningstransaktioner, däribland överföring av medel på ett betalkonto hos användarens betal</SPAN><SPAN class="ft82"> </SPAN>tjänstleverantör eller någon annan betaltjänstleverantör:</P>
<P class="p1834 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">Genomförande av autogireringar, inklusive engångsautogireringar.</SPAN></P>
<P class="p1835 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">Genomförande av betalningstransaktioner med kontokort eller liknande utrustning.</SPAN></P>
<P class="p1835 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">Genomförande av betalningar, inklusive stående betalningsorder.</SPAN></P>
<P class="p1836 ft201"><SPAN class="ft201">4.</SPAN><SPAN class="ft225">Genomförande av betalningstransaktioner, när medlen täcks av en betaltjänstanvändares kreditutrymme:</SPAN></P>
<P class="p1835 ft201"><SPAN class="ft203">a)</SPAN><SPAN class="ft234">Genomförande av autogireringar, inklusive engångsautogireringar.</SPAN></P>
<P class="p1837 ft201"><SPAN class="ft194">b)</SPAN><SPAN class="ft235">Genomförande av betalningstransaktioner med kontokort eller liknande utrustning.</SPAN></P>
<P class="p1835 ft201"><SPAN class="ft203">c)</SPAN><SPAN class="ft234">Genomförande av betalningar, inklusive stående betalningsorder.</SPAN></P>
<P class="p1836 ft201"><SPAN class="ft201">5.</SPAN><SPAN class="ft225">Utgivande av betalningsinstrument och/eller förvärv av betalningstransaktioner.</SPAN></P>
<P class="p1836 ft201"><SPAN class="ft201">6.</SPAN><SPAN class="ft225">Penningöverföring.</SPAN></P>
<P class="p1838 ft201"><SPAN class="ft201">7.</SPAN><SPAN class="ft225">Betalningsinitieringstjänster.</SPAN></P>
<P class="p1836 ft201"><SPAN class="ft201">8.</SPAN><SPAN class="ft225">Kontoinformationstjänster.</SPAN></P>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">471</P>
</DIV>
</DIV>
<DIV id="page_472">
<DIV id="dimg1">
<INGENBILD zsrc="H50377472x1.jpg/" id="img1">
</DIV>
<DIV id="id_1">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t134">
<TR>
<TD colspan=2 class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td377"><P class="p3 ft267"> </P></TD>
<TD class="tr48 td378"><P class="p3 ft195">SV</P></TD>
<TD class="tr30 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr30 td251"><P class="p3 ft196">Europeiska unionens officiella tidning</P></TD>
<TD colspan=2 class="tr30 td177"><P class="p3 ft194">L 337/117</P></TD>
</TR>
<TR>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td379"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td380"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td372"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td381"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td365"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td382"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td383"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td384"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr33 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td385"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr33 td251"><P class="p1839 ft266">BILAGA II</P></TD>
<TD class="tr33 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr33 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td385"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr29 td251"><P class="p1839 ft268">JÄMFÖRELSETABELL</P></TD>
<TD class="tr29 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr21 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td379"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td380"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td372"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td381"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td365"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td382"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td383"><P class="p3 ft46"> </P></TD>
<TD class="tr21 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td385"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td47"><P class="p153 ft194">Detta direktiv</P></TD>
<TD class="tr30 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td102"><P class="p1840 ft194">Direktiv 2007/64/EG</P></TD>
<TD class="tr30 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td379"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td356"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td382"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td383"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr38 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr38 td46"><P class="p3 ft201">Artikel 1.1</P></TD>
<TD class="tr38 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td102"><P class="p72 ft201">Artikel 1.1</P></TD>
<TD class="tr38 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 1.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Artikel 1.2</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 2.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p72 ft201">Artikel 2.1</P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 2.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 2.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 2.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 2.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Artikel 2.3</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p72 ft201">Artikel 3</P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 4:</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Artikel 4:</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr24 td248"><P class="p1487 ft201">punkt 1, 2, 3, 4, 5 och 10</P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p72 ft201">punkt 1, 2, 3, 4, 5 och 10</P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">punkt 7</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">punkt 6</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">punkt 8</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">punkt 7</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">punkt 9</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p72 ft201">punkt 8</P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">punkt 11</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">punkt 9</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">punkt 12</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p72 ft201">punkt 14</P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">punkt 13</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">punkt 16</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">punkt 14</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">punkt 23</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr24 td248"><P class="p1487 ft201">punkt 20, 21, 22</P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p72 ft201">punkt 11, 12, 13</P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">punkt 23</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">punkt 28</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">punkt 25</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p72 ft201">punkt 15</P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">punkt 26, 27</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">punkt 17, 18</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">punkt 28</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">punkt 20</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">punkt 29</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p72 ft201">punkt 19</P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">punkt 33</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">punkt 21</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr20 td248"><P class="p1487 ft201">punkt 34, 35, 36, 37</P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">punkt 24, 25, 26, 27</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">punkt 38</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p72 ft201">punkt 22</P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">punkt 39, 40</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">punkt 29, 30</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr24 td248"><P class="p1487 ft201">punkt 6, <NOBR>15–19,</NOBR> 24, <NOBR>30–32,</NOBR> <NOBR>41–48</NOBR></P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 5.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Artikel 5</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 5.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 5.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 5.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td81"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td385"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td4"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td11"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td47"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td386"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td102"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td182"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="id_2">
<P class="p15 ft57">472</P>
</DIV>
</DIV>
<DIV id="page_473" style="position:relative; overflow: hidden;margin: 51px 0px 80px 80px;padding: 0px;border: none;width: 544px;">
<DIV style="position:absolute;top:42px;left:65px;z-index:-1;width:27px;height:13px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377473x1.jpg/" style="width:27px;height:13px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 482px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t135">
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td76"><P class="p3 ft57">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td388"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td76"><P class="p3 ft57">Bilaga 1</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr48 td78"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td232"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td210"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr41 td98"><P class="p1 ft265">L 337/118</P></TD>
<TD class="tr44 td390"><P class="p3 ft270"> </P></TD>
<TD class="tr44 td391"><P class="p3 ft195">SV</P></TD>
<TD class="tr41 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr41 td232"><P class="p3 ft265">Europeiska unionens officiella tidning</P></TD>
<TD colspan=2 class="tr41 td210"><P class="p17 ft265">23.12.2015</P></TD>
<TD class="tr41 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr40 td360"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td392"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td377"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td378"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td381"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 149px;vertical-align: bottom;" class="tr40"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td359"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td384"><P class="p3 ft210"> </P></TD>
<TD class="tr44 td230"><P class="p3 ft270"> </P></TD>
</TR>
<TR>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td392"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td304"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td380"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td372"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td381"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td365"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 149px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td359"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td47"><P class="p153 ft194">Detta direktiv</P></TD>
<TD class="tr30 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td388"><P class="p1840 ft194">Direktiv 2007/64/EG</P></TD>
<TD class="tr30 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td392"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td304"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 149px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td359"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td230"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr38 td18"><P class="p1487 ft201">Artikel 5.5</P></TD>
<TD class="tr38 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr38 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 5.6</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 5.7</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 6.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 6.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 6.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 6.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 7</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 6</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 8.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 7.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 8.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 7.2</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 8.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p72 ft201">Artikel 7.3</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 9.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p72 ft201">Artikel 8.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 9.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p72 ft201">Artikel 8.2</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 9.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p72 ft201">Artikel 8.3</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 10.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p72 ft201">Artikel 9.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 10.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p72 ft201">Artikel 9.2</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">—</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p72 ft201">Artikel 9.3 och 9.4</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 11.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p72 ft201">Artikel 10.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 11.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p72 ft201">Artikel 10.2</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 11.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p72 ft201">Artikel 10.3</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 11.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p72 ft201">Artikel 10.4</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 11.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 10.5</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 11.6</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 10.6</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 11.7</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 10.7</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 11.8</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 10.8</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 11.9</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 10.9</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 12</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 11</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 13.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 12.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 13.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 12.2</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 13.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 12.3</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 14.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 13</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 14.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 13</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 14.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 14.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 15.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td65"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td22"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td4"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td11"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td47"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td386"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td388"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td122"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td230"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 35px 0px 0px 464px;padding: 0px;border:none;width: 80px;overflow: hidden;">
<P class="p15 ft57">473</P>
</DIV>
</DIV>
<DIV id="page_474" style="position:relative; overflow: hidden;margin: 54px 0px 79px 60px;padding: 0px;border: none;width: 564px;">
<DIV style="position:absolute;top:39px;left:74px;z-index:-1;width:26px;height:13px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377474x1.jpg/" style="width:26px;height:13px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 564px;overflow: hidden;">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 475px;margin-left: 9px;margin-top: 9px;font: 9px 'Times New Roman';">
<TR>
<TD colspan=2 class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft255"> </P></TD>
<TD class="tr48 td377"><P class="p3 ft267"> </P></TD>
<TD class="tr48 td378"><P class="p3 ft195">SV</P></TD>
<TD class="tr30 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr30 td111"><P class="p3 ft194">Europeiska unionens officiella tidning</P></TD>
<TD colspan=2 class="tr30 td216"><P style="text-align: left;padding-left: 124px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft194">L 337/119</P></TD>
</TR>
<TR>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td379"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td380"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td372"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td381"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td365"><P class="p3 ft197"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr14"><P class="p3 ft197"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr14"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td384"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td379"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td380"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td372"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td381"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td365"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td385"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td47"><P class="p153 ft194">Detta direktiv</P></TD>
<TD class="tr30 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td138"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr30 td216"><P class="p3 ft194">Direktiv 2007/64/EG</P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td379"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td356"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr38 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr38 td46"><P class="p3 ft201">Artikel 15.2</P></TD>
<TD class="tr38 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr38 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 15.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 15.4</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 15.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 16</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 14</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 17.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 15.1</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 17.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 15.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 17.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 15.3</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 17.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 15.4</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 18.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 16.1</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 18.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 16.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 18.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 16.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 18.4</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 16.3</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 18.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 16.4</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 18.6</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 16.5</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 19.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 17.1</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 19.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 17.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 19.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 17.3</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 19.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 17.4</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 19.5</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 17.5</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 19.6</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 17.7</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 19.7</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 17.8</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 19.8</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 20.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 18.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 20.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 18.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 21</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 19</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 22.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 20.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 22.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 20.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 22.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 20.3</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 22.4</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 20.4</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 22.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 20.5</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 23.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 21.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 23.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 21.2</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 23.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 21.3</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 24.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 22.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td81"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td385"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td4"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td11"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td47"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td386"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td138"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td147"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 36px 0px 0px 1px;padding: 0px;border:none;width: 563px;overflow: hidden;">
<P class="p15 ft57">474</P>
</DIV>
</DIV>
<DIV id="page_475" style="position:relative; overflow: hidden;margin: 51px 0px 80px 80px;padding: 0px;border: none;width: 544px;">
<DIV style="position:absolute;top:42px;left:65px;z-index:-1;width:27px;height:13px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377475x1.jpg/" style="width:27px;height:13px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 482px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t135">
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td76"><P class="p3 ft57">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td388"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td76"><P class="p3 ft57">Bilaga 1</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr48 td78"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td232"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td210"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr41 td98"><P class="p1 ft265">L 337/120</P></TD>
<TD class="tr44 td390"><P class="p3 ft270"> </P></TD>
<TD class="tr44 td391"><P class="p3 ft195">SV</P></TD>
<TD class="tr41 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr41 td232"><P class="p3 ft265">Europeiska unionens officiella tidning</P></TD>
<TD colspan=2 class="tr41 td210"><P class="p17 ft265">23.12.2015</P></TD>
<TD class="tr41 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr40 td360"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td392"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td377"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td378"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td381"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 149px;vertical-align: bottom;" class="tr40"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td359"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td384"><P class="p3 ft210"> </P></TD>
<TD class="tr44 td230"><P class="p3 ft270"> </P></TD>
</TR>
<TR>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td392"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td304"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td380"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td372"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td381"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td365"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 149px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td359"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td47"><P class="p153 ft194">Detta direktiv</P></TD>
<TD class="tr30 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td388"><P class="p1840 ft194">Direktiv 2007/64/EG</P></TD>
<TD class="tr30 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td392"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td304"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 149px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td359"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td230"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr38 td18"><P class="p1487 ft201">Artikel 24.2</P></TD>
<TD class="tr38 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td388"><P class="p71 ft201">Artikel 22.2</P></TD>
<TD class="tr38 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 24.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 22.3</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 25.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 23.1</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 25.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 23.2</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 26.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 24.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 26.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 24.2</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 27.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 27.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 28.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 25.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 28.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 28.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 28.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 28.5</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 29.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 25.2 och 25.3</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 29.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 29.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 25.4</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 29.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 29.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 29.6</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 30.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 30.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 30.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 30.4</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 31.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 31.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 25.4</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 32.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 26.1</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 32.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 26.2</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 32.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 26.3</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 32.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 26.4</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 32.5</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 26.5</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 32.6</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 26.6</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 33.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 33.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 34</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 27</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 35.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 28.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td65"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td22"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td4"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td11"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td47"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td386"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td388"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td122"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td230"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 35px 0px 0px 464px;padding: 0px;border:none;width: 80px;overflow: hidden;">
<P class="p15 ft57">475</P>
</DIV>
</DIV>
<DIV id="page_476" style="position:relative; overflow: hidden;margin: 54px 0px 79px 60px;padding: 0px;border: none;width: 564px;">
<DIV style="position:absolute;top:39px;left:74px;z-index:-1;width:26px;height:13px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377476x1.jpg/" style="width:26px;height:13px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 564px;overflow: hidden;">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 475px;margin-left: 9px;margin-top: 9px;font: 9px 'Times New Roman';">
<TR>
<TD colspan=2 class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft255"> </P></TD>
<TD class="tr48 td377"><P class="p3 ft267"> </P></TD>
<TD class="tr48 td378"><P class="p3 ft195">SV</P></TD>
<TD class="tr30 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr30 td111"><P class="p3 ft194">Europeiska unionens officiella tidning</P></TD>
<TD colspan=2 class="tr30 td216"><P style="text-align: left;padding-left: 124px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft194">L 337/121</P></TD>
</TR>
<TR>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td379"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td380"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td372"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td381"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td365"><P class="p3 ft197"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr14"><P class="p3 ft197"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr14"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td384"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td379"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td380"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td372"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td381"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td365"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td385"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td47"><P class="p153 ft194">Detta direktiv</P></TD>
<TD class="tr30 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td138"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr30 td216"><P class="p3 ft194">Direktiv 2007/64/EG</P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td379"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td356"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr38 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr38 td46"><P class="p3 ft201">Artikel 35.2</P></TD>
<TD class="tr38 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td138"><P class="p72 ft201">Artikel 28.2</P></TD>
<TD class="tr38 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 36</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 37.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 29</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 37.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 37.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 37.4</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 37.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 38.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 30.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 38.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 30.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 38.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 30.3</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 39</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 31</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 40.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 32.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 40.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 32.2</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 40.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 32.3</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 41</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 33</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 42.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 34.1</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 42.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 34.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 43.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 35.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 43.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 35.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 44.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 36.1</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 44.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 36.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 44.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 36.3</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 45.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 37.1</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 45.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 45.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 37.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 46</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 47</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 48</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 38</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 49</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 39</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 50</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 40</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 51.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 41.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 51.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 41.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 51.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 41.3</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 52.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 42.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 52.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 42.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td81"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td385"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td4"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td11"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td47"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td386"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td138"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td147"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 36px 0px 0px 1px;padding: 0px;border:none;width: 563px;overflow: hidden;">
<P class="p15 ft57">476</P>
</DIV>
</DIV>
<DIV id="page_477" style="position:relative; overflow: hidden;margin: 51px 0px 80px 80px;padding: 0px;border: none;width: 544px;">
<DIV style="position:absolute;top:42px;left:65px;z-index:-1;width:27px;height:13px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377477x1.jpg/" style="width:27px;height:13px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 482px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t135">
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td42"><P style="text-align: left;padding-left: 76px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft57">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td138"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td42"><P style="text-align: left;padding-left: 76px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft57">Bilaga 1</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr48 td78"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td111"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td30"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr41 td98"><P class="p1 ft265">L 337/122</P></TD>
<TD class="tr44 td390"><P class="p3 ft270"> </P></TD>
<TD class="tr44 td391"><P class="p3 ft195">SV</P></TD>
<TD class="tr41 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr41 td111"><P class="p3 ft208">Europeiska unionens officiella tidning</P></TD>
<TD colspan=2 class="tr41 td30"><P class="p17 ft265">23.12.2015</P></TD>
<TD class="tr41 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr40 td360"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td392"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td377"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td378"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td381"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr40"><P class="p3 ft210"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 141px;vertical-align: bottom;" class="tr40"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td384"><P class="p3 ft210"> </P></TD>
<TD class="tr44 td230"><P class="p3 ft270"> </P></TD>
</TR>
<TR>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td392"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td304"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td380"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td372"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td381"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td365"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 141px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td47"><P class="p153 ft194">Detta direktiv</P></TD>
<TD class="tr30 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td138"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr30 td42"><P class="p3 ft194">Direktiv 2007/64/EG</P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td392"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td304"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 141px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td230"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr38 td18"><P class="p1487 ft201">Artikel 52.3</P></TD>
<TD class="tr38 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td138"><P class="p71 ft201">Artikel 42.3</P></TD>
<TD class="tr38 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 52.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 42.4</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 52.5</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 42.5</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 52.6</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 42.6</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 52.7</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 42.7</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 53</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 43</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 54.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 44.1</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 54.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 44.2</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 54.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 44.3</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 55.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 45.1</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 55.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 45.2</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 55.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 45.3</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 55.4</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 45.4</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 55.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 45.5</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 55.6</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 45.6</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 56</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 46</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 57.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 47.1</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 57.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 47.2</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 57.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 47.3</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p1 ft201">Artikel 58.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 48.1</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 58.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 48.2</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 58.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 48.3</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p1 ft201">Artikel 59.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 49.1</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 59.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 49.2</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 60.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 50.1</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p1 ft201">Artikel 60.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 50.2</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 60.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 61.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 51.1</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 61.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 51.2</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p1 ft201">Artikel 61.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 51.3</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 61.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 51.4</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 62.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 52.1</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p1 ft201">Artikel 62.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 52.2</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 62.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 52.3</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 62.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td65"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td22"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td4"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td11"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td47"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td386"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td138"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td207"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td230"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 35px 0px 0px 464px;padding: 0px;border:none;width: 80px;overflow: hidden;">
<P class="p15 ft57">477</P>
</DIV>
</DIV>
<DIV id="page_478" style="position:relative; overflow: hidden;margin: 54px 0px 79px 60px;padding: 0px;border: none;width: 564px;">
<DIV style="position:absolute;top:39px;left:74px;z-index:-1;width:26px;height:13px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377478x1.jpg/" style="width:26px;height:13px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 564px;overflow: hidden;">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 475px;margin-left: 9px;margin-top: 9px;font: 9px 'Times New Roman';">
<TR>
<TD colspan=2 class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft255"> </P></TD>
<TD class="tr48 td377"><P class="p3 ft267"> </P></TD>
<TD class="tr48 td378"><P class="p3 ft195">SV</P></TD>
<TD class="tr30 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr30 td111"><P class="p3 ft194">Europeiska unionens officiella tidning</P></TD>
<TD colspan=2 class="tr30 td216"><P style="text-align: left;padding-left: 124px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft194">L 337/123</P></TD>
</TR>
<TR>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td379"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td380"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td372"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td381"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td365"><P class="p3 ft197"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr14"><P class="p3 ft197"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr14"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td384"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td379"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td380"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td372"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td381"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td365"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td385"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td47"><P class="p153 ft194">Detta direktiv</P></TD>
<TD class="tr30 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td138"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr30 td216"><P class="p3 ft194">Direktiv 2007/64/EG</P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td379"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td356"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr38 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr38 td46"><P class="p3 ft201">Artikel 62.5</P></TD>
<TD class="tr38 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr38 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 63.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 53.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 63.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 53.2</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 63.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 53.3</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 64.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 54.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 64.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 54.2</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 64.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 54.3</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 64.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 54.4</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 65.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 65.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 65.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 65.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 65.5</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 65.6</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 66.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 66.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 66.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 66.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 66.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 67.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 67.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 67.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 67.4</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 68.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 55.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 68.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 55.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 68.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 55.3</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 68.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 55.4</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 69.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 56.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 69.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 56.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 70.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 57.1</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 70.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 57.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 71.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 58</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 71.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 72.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 59.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 72.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 59.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td81"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td385"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td4"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td11"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td47"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td386"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td138"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td147"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 36px 0px 0px 1px;padding: 0px;border:none;width: 563px;overflow: hidden;">
<P class="p15 ft57">478</P>
</DIV>
</DIV>
<DIV id="page_479" style="position:relative; overflow: hidden;margin: 51px 0px 80px 80px;padding: 0px;border: none;width: 544px;">
<DIV style="position:absolute;top:42px;left:65px;z-index:-1;width:27px;height:13px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377479x1.jpg/" style="width:27px;height:13px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 482px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t135">
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td76"><P class="p3 ft57">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td388"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td76"><P class="p3 ft57">Bilaga 1</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr48 td78"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td232"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td210"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr41 td98"><P class="p1 ft265">L 337/124</P></TD>
<TD class="tr44 td390"><P class="p3 ft270"> </P></TD>
<TD class="tr44 td391"><P class="p3 ft195">SV</P></TD>
<TD class="tr41 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr41 td232"><P class="p3 ft265">Europeiska unionens officiella tidning</P></TD>
<TD colspan=2 class="tr41 td210"><P class="p17 ft265">23.12.2015</P></TD>
<TD class="tr41 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr40 td360"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td392"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td377"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td378"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td381"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 149px;vertical-align: bottom;" class="tr40"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td359"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td384"><P class="p3 ft210"> </P></TD>
<TD class="tr44 td230"><P class="p3 ft270"> </P></TD>
</TR>
<TR>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td392"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td304"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td380"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td372"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td381"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td365"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 149px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td359"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td47"><P class="p153 ft194">Detta direktiv</P></TD>
<TD class="tr30 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td388"><P class="p1840 ft194">Direktiv 2007/64/EG</P></TD>
<TD class="tr30 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td392"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td304"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 149px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td359"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td230"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr38 td18"><P class="p1487 ft201">Artikel 73.1</P></TD>
<TD class="tr38 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td388"><P class="p71 ft201">Artikel 60.1</P></TD>
<TD class="tr38 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 73.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 73.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 60.2</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 74.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 61.1, 61.2 och 61.3</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 74.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 74.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 61.4 och 61.5</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 75.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 75.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 76.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 62.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 76.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 62.2</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 76.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 62.3</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 76.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 77.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 63.1</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 77.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 63.2</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 78.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 64.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 78.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 64.2</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 79.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 65.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 79.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 65.2</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 79.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 65.3</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 80.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 66.1</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 80.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 66.2</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 80.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 66.3</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 80.4</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 66.4</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 80.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 66.5</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 81.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 67.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p1 ft201">Artikel 81.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 67.2</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 81.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 67.3</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 82.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 68.1</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 82.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 68.2</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p1 ft201">Artikel 83.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 69.1</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 83.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 69.2</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 83.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 69.3</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p1 ft201">Artikel 84</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td388"><P class="p71 ft201">Artikel 70</P></TD>
<TD class="tr24 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 85</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 71</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p1 ft201">Artikel 86</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td388"><P class="p71 ft201">Artikel 72</P></TD>
<TD class="tr20 td122"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td65"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td22"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td4"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td11"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td47"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td386"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td388"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td122"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td230"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 35px 0px 0px 464px;padding: 0px;border:none;width: 80px;overflow: hidden;">
<P class="p15 ft57">479</P>
</DIV>
</DIV>
<DIV id="page_480" style="position:relative; overflow: hidden;margin: 54px 0px 79px 60px;padding: 0px;border: none;width: 564px;">
<DIV style="position:absolute;top:39px;left:74px;z-index:-1;width:26px;height:13px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377480x1.jpg/" style="width:26px;height:13px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 564px;overflow: hidden;">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 475px;margin-left: 9px;margin-top: 9px;font: 9px 'Times New Roman';">
<TR>
<TD colspan=2 class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft255"> </P></TD>
<TD class="tr48 td377"><P class="p3 ft267"> </P></TD>
<TD class="tr48 td378"><P class="p3 ft195">SV</P></TD>
<TD class="tr30 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr30 td111"><P class="p3 ft194">Europeiska unionens officiella tidning</P></TD>
<TD colspan=2 class="tr30 td216"><P style="text-align: left;padding-left: 124px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft194">L 337/125</P></TD>
</TR>
<TR>
<TD class="tr14 td360"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td379"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td380"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td372"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td381"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td365"><P class="p3 ft197"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr14"><P class="p3 ft197"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr14"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td384"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td379"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td380"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td372"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td381"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td365"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td385"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td47"><P class="p153 ft194">Detta direktiv</P></TD>
<TD class="tr30 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td138"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr30 td216"><P class="p3 ft194">Direktiv 2007/64/EG</P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td379"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td356"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr38 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr38 td46"><P class="p3 ft201">Artikel 87.1</P></TD>
<TD class="tr38 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td138"><P class="p72 ft201">Artikel 73.1</P></TD>
<TD class="tr38 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 87.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 73.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 87.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 73.2</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 88.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 74.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 88.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 74.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 88.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 74.2</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 88.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 74.2</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 88.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 74.3</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 89.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 75.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 89.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 75.2</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 89.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 75.3</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 90.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 90.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 91</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 76</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 92.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 77.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 92.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">Artikel 77.2</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 93</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 78</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 94.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">Artikel 79.1</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 94.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 95.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 95.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 95.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 95.4</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 95.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 96.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 96.2</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 96.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 96.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 96.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 96.6</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 97.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 97.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft201">Artikel 97.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr24 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 97.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 97.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td147"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td81"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td385"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td4"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td11"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td47"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td386"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td138"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td147"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 36px 0px 0px 1px;padding: 0px;border:none;width: 563px;overflow: hidden;">
<P class="p15 ft57">480</P>
</DIV>
</DIV>
<DIV id="page_481" style="position:relative; overflow: hidden;margin: 51px 0px 80px 80px;padding: 0px;border: none;width: 544px;">
<DIV style="position:absolute;top:42px;left:65px;z-index:-1;width:27px;height:13px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377481x1.jpg/" style="width:27px;height:13px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 482px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t135">
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td42"><P style="text-align: left;padding-left: 76px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft57">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td138"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td42"><P style="text-align: left;padding-left: 76px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft57">Bilaga 1</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr48 td78"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td111"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr48 td30"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr41 td98"><P class="p1 ft265">L 337/126</P></TD>
<TD class="tr44 td390"><P class="p3 ft270"> </P></TD>
<TD class="tr44 td391"><P class="p3 ft195">SV</P></TD>
<TD class="tr41 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr41 td111"><P class="p3 ft208">Europeiska unionens officiella tidning</P></TD>
<TD colspan=2 class="tr41 td30"><P class="p17 ft265">23.12.2015</P></TD>
<TD class="tr41 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr40 td360"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td392"><P class="p3 ft210"> </P></TD>
<TD class="tr42 td366"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td377"><P class="p3 ft211"> </P></TD>
<TD class="tr42 td378"><P class="p3 ft211"> </P></TD>
<TD class="tr40 td381"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td365"><P class="p3 ft210"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr40"><P class="p3 ft210"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 141px;vertical-align: bottom;" class="tr40"><P class="p3 ft210"> </P></TD>
<TD class="tr40 td384"><P class="p3 ft210"> </P></TD>
<TD class="tr44 td230"><P class="p3 ft270"> </P></TD>
</TR>
<TR>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td392"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td304"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td380"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td372"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td381"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td365"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 141px;vertical-align: bottom;" class="tr15"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td22"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td47"><P class="p153 ft194">Detta direktiv</P></TD>
<TD class="tr30 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td138"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr30 td42"><P class="p3 ft194">Direktiv 2007/64/EG</P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td392"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td304"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 73px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD style="border-bottom: #000000 1px solid;padding: 0px;margin: 0px;width: 141px;vertical-align: bottom;" class="tr43"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td230"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr38 td18"><P class="p1487 ft201">Artikel 98.1</P></TD>
<TD class="tr38 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr38 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 98.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 98.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 98.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td18"><P class="p1487 ft201">Artikel 98.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr24 td18"><P class="p1487 ft201">Artikel 99.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 80.1</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 99.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 80.2</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 100.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 100.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft194">Artikel 100.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 100.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 82.2</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 100.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft194">Artikel 100.6</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 101.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 101.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft194">Artikel 101.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 101.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 102.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 83.1</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 102.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 83.2</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft194">Artikel 103.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 81.1</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 103.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft201">Artikel 104</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft194">Artikel 105.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 105.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 105.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft194">Artikel 105.4</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 105.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 106.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 106.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft194">Artikel 106.3</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 106.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 106.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">—</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr24 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr24 td46"><P class="p3 ft194">Artikel 107.1</P></TD>
<TD class="tr24 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td138"><P class="p71 ft201">Artikel 86.1</P></TD>
<TD class="tr24 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr24 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 107.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 86.2</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td46"><P class="p3 ft194">Artikel 107.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td138"><P class="p71 ft201">Artikel 86.3</P></TD>
<TD class="tr20 td207"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td94"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td65"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td22"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td4"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td11"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td47"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td386"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td138"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td207"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td230"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 35px 0px 0px 464px;padding: 0px;border:none;width: 80px;overflow: hidden;">
<P class="p15 ft57">481</P>
</DIV>
</DIV>
<DIV id="page_482" style="position:relative; overflow: hidden;margin: 54px 0px 79px 60px;padding: 0px;border: none;width: 564px;">
<DIV style="position:absolute;top:39px;left:74px;z-index:-1;width:26px;height:13px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377482x1.jpg/" style="width:26px;height:13px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 564px;overflow: hidden;">
<P class="p15 ft57">Prop. 2017/18:77</P>
<P class="p15 ft57">Bilaga 1</P>
<TABLE cellpadding=0 cellspacing=0 class="t134">
<TR>
<TD colspan=2 class="tr30 td122"><P class="p366 ft194">23.12.2015</P></TD>
<TD class="tr52 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr48 td377"><P class="p3 ft267"> </P></TD>
<TD class="tr48 td378"><P class="p3 ft195">SV</P></TD>
<TD class="tr30 td47"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr30 td251"><P class="p3 ft196">Europeiska unionens officiella tidning</P></TD>
<TD colspan=2 class="tr30 td177"><P class="p3 ft194">L 337/127</P></TD>
</TR>
<TR>
<TD class="tr14 td384"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td392"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td356"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td380"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td372"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td381"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td365"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td382"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td383"><P class="p3 ft197"> </P></TD>
<TD class="tr14 td384"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td392"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td356"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td380"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td372"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td381"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td365"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td382"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td383"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td385"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td47"><P class="p153 ft194">Detta direktiv</P></TD>
<TD class="tr30 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td102"><P class="p1840 ft194">Direktiv 2007/64/EG</P></TD>
<TD class="tr30 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr30 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td392"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td356"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td382"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td383"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
<TR>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr38 td200"><P class="p1 ft201">Artikel 108</P></TD>
<TD class="tr38 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td102"><P class="p72 ft201">Artikel 87</P></TD>
<TD class="tr38 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft194">Artikel 109.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Artikel 88.1</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr28 td200"><P class="p1 ft194">Artikel 109.2</P></TD>
<TD class="tr28 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td102"><P class="p72 ft201">Artikel 88.3</P></TD>
<TD class="tr28 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft194">Artikel 109.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Artikel 88.2 och 88.4</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft194">Artikel 109.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft194">Artikel 109.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft201">Artikel 110</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Artikel 90</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft194">Artikel 111.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr28 td200"><P class="p1 ft194">Artikel 111.2</P></TD>
<TD class="tr28 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr28 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft194">Artikel 112.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft194">Artikel 112.2</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft201">Artikel 113</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Artikel 92</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft201">Artikel 114</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Artikel 93</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft194">Artikel 115.1</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Artikel 94.1</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr28 td200"><P class="p1 ft194">Artikel 115.2</P></TD>
<TD class="tr28 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td102"><P class="p72 ft201">Artikel 94.2</P></TD>
<TD class="tr28 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft194">Artikel 115.3</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft194">Artikel 115.4</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft194">Artikel 115.5</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">—</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft201">Artikel 116</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Artikel 95</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr28 td200"><P class="p1 ft201">Artikel 117</P></TD>
<TD class="tr28 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td102"><P class="p72 ft201">Artikel 96</P></TD>
<TD class="tr28 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td200"><P class="p1 ft201">Bilaga I</P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td386"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td102"><P class="p72 ft201">Bilaga</P></TD>
<TD class="tr20 td182"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
<TD class="tr43 td392"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td356"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td380"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td372"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td381"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td387"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td382"><P class="p3 ft269"> </P></TD>
<TD class="tr43 td383"><P class="p3 ft269"> </P></TD>
<TD class="tr14 td162"><P class="p3 ft197"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 302px 0px 0px 1px;padding: 0px;border:none;width: 563px;overflow: hidden;">
<P class="p15 ft57">482</P>
</DIV>
</DIV>
<DIV id="page_483" style="position:relative; overflow: hidden;margin: 49px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: left;padding-right: 34px;margin-top: 0px;margin-bottom: 0px;" class="ft156">Sammanfattning av betänkandet Betaltjänster, förmedlingsavgifter och grundläggande betalkonton (SOU 2016:53)</P>
<P class="p270 ft97">Utredningens uppdrag</P>
<P class="p850 ft6">Utredningens uppdrag omfattar tre olika delar. Den första delen, som utredningen delredovisade i augusti 2015, gäller de svenska lagändringar som behövs för att komplettera Europaparlamentets och rådets förordning (EU) nr 2015/751 av den 29 april 2015 om förmedlings- avgifter för kortbaserade betalningstransaktioner (EU:s förordning om förmedlingsavgifter). Den andra delen av uppdraget delredovisades i januari 2016 och avser genomförandet i svensk rätt av Europa- parlamentets och rådets direktiv 2014/92/EU av den 23 juli 2014 om jämförbarhet för avgifter som avser betalkonto, byte av betalkonto och tillgång till betalkonto med grundläggande funktioner (betalkonto- direktivet). Utredningen hänvisar till delrapporterna för redovisningen av det arbete och de överväganden som gjorts i dessa delar (bilagorna 4 och 5 till detta betänkande).</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 12px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Den sista delen av uppdraget avser genomförandet av det andra betaltjänstdirektivet, Europaparlamentets och rådets direktiv (EU) 2015/2366 av den 25 november 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 2</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 27px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P class="p54 ft97">Det andra betaltjänstdirektivet</P>
<P class="p466 ft70">I november 2015 antog Europaparlamentets och Europeiska unionens råd det andra betaltjänstdirektivet. Direktivet inkluderar och upphäver direk- tivet 2007/64/EG<SPAN style="font: 7px 'Arial';line-height: 8px;position: relative; bottom: 5px;">1 </SPAN>(det första betaltjänstdirektivet), vilket har genomförts i svensk rätt genom lagen (2010:751) om betaltjänster, betaltjänstlagen, och lagen (2010:738) om obehöriga transaktioner med betalningsinstrument.</P>
<P class="p174 ft40">Det andra betaltjänstdirektivet syftar huvudsakligen till att bidra till att utveckla en <NOBR>EU-omfattande</NOBR> marknad för elektroniska betalningar och till att skapa bättre förutsättningar för säkra och effektiva betalningar.</P>
<P class="p57 ft40">Direktivet utvidgar begreppet betaltjänst till att omfatta betalnings- initieringstjänster och kontoinformationstjänster. Tillämpningsområdet för direktivet utökas i fråga om geografiskt område och valutor. Direktivet ger också under vissa förutsättningar betalningsinstitut rätt till tillgång till kreditinstitutens betalkontotjänster. Därutöver innehåller direktivet flera ändringar i förhållande till det första betaltjänstdirektivet.</P>
<P style="text-align: left;padding-left: 68px;padding-right: 173px;margin-top: 43px;margin-bottom: 0px;font: 9px 'Arial';line-height: 13px;"><SPAN style="font: 5px 'Arial';line-height: 7px;position: relative; bottom: 4px;">1 </SPAN>Europaparlamentets och rådets direktiv 2007/64/EG av den 13 november 2007 om betaltjänster på den inre marknaden och om ändring av direktiven 97/7/EG, 2002/65/EG,</P>
<P class="p54 ft75">2005/60/EG och 2006/48/EG samt upphävande av direktiv 97/5/EG.</P>
<P class="p160 ft3">483</P>
</DIV>
</DIV>
<DIV id="page_484" style="position:relative; overflow: hidden;margin: 48px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 49px;padding: 0px;border:none;width: 575px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 113px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 2</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p213 ft3">För att genomföra det andra betaltjänstdirektivets reglering föreslår utredningen flera ändringar i betaltjänstlagen. Förslagen sammanfattas under respektive rubrik nedan.</P>
<P style="text-align: left;margin-top: 29px;margin-bottom: 0px;" class="ft97">Begreppet betaltjänst</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 10px;margin-bottom: 0px;" class="ft40">Utredningen föreslår att begreppet betaltjänst i betaltjänstlagen utvidgas till att omfatta betalningsinitieringstjänster och kontoinformationstjänster.</P>
<P class="p463 ft5">Begreppet betalningsinitieringstjänst definieras i artikel 4.15 i det andra betaltjänstdirektivet som ”en tjänst för att initiera en betalningsorder på begäran av betaltjänstanvändaren med avseende på ett betalkonto hos en annan betaltjänstleverantör”. En leverantör av en sådan tjänst gör det lättare för den enskilde betaltjänstanvändaren att betala t.ex. en <NOBR>e-handlare</NOBR> direkt via den egna internetbanken.</P>
<P class="p616 ft40">Begreppet kontoinformationstjänst definieras i artikel 4.16 som ”en onlinetjänst att för att tillhandahålla sammanställd information om ett eller flera betalkonton som betaltjänstanvändaren innehar hos antingen en annan betaltjänstleverantör eller hos fler än en betaltjänstleverantör”. En leverantör av en sådan tjänst sammanställer data från flera konton på ett för kunden överskådligt sätt genom t.ex. en <NOBR>app-funktion.</NOBR></P>
<P class="p1075 ft97">Tillämpningsområde</P>
<P style="text-align: justify;padding-right: 68px;margin-top: 6px;margin-bottom: 0px;" class="ft6">Utredningen föreslår att tillämpningsområdet för betaltjänstlagen ska utökas genom att regleringen i fjärde och femte kapitlet, med undantag för vissa bestämmelser, också ska vara tillämplig för de delar av en betalningstransaktion som genomförs inom <NOBR>EES-området</NOBR> i ett tredjelands valuta, om samtliga eller den ende betaltjänstleverantören i betalnings- transaktionen är etablerade inom området, samt för de delar av en betalningstransaktion som genomförs inom unionen i alla valutor om någon av betaltjänstleverantörerna i transaktionen är etablerad inom området.</P>
<P class="p215 ft3">Utredningen föreslår också att värdebolagens s.k. uppräknings- verksamhet inte ska undantas från betaltjänstlagens tillämpningsområde, vilket är fallet i dag.</P>
<P class="p213 ft3">Slutligen föreslår utredningen att undantag från betaltjänstlagens tillämpningsområde ska göras för bl.a. betalningstransaktioner som genomförs med hjälp av mobiltelefoner eller annan teknisk utrustning, t.ex. vid köp av en <NOBR>SMS-biljett</NOBR> för en resa. En förutsättning för att en sådan transaktion ska vara undantagna är att transaktionen inte överstiger ett belopp som motsvarar 50 euro.</P>
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<P style="text-align: left;padding-left: 162px;margin-top: 0px;margin-bottom: 0px;" class="ft97">Tredjepartsbetaltjänstleverantörer</P>
<P style="text-align: left;padding-left: 162px;padding-right: 63px;margin-top: 10px;margin-bottom: 0px;" class="ft40">Leverantörer av betalningsinitieringstjänster respektive konto- informationstjänster – s.k. tredjepartsbetaltjänstleverantörer – är betal-</P>
<P style="text-align: right;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft107">tjänstleverantörer enligt det andra betaltjänstdirektivet. För att genomföra</P>
<P style="text-align: left;padding-left: 36px;margin-top: 0px;margin-bottom: 0px;" class="ft3">484</P>
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<P style="text-align: left;padding-left: 68px;padding-right: 57px;margin-top: 0px;margin-bottom: 0px;" class="ft3">direktivets bestämmelser om tillståndsplikt för leverantörer av Prop. 2017/18:77 betalningsinitieringstjänster föreslår utredningen att det alltid ska krävas Bilaga 2 tillstånd för att få tillhandahålla dessa. Tillstånd för att få tillhandahålla</P>
<P class="p521 ft6">sådana tjänster ska bl.a. förutsätta att företaget i fråga har en ansvarsförsäkring eller annan jämförbar garanti som täcker ett eventuellt skadeståndsansvar.</P>
<P class="p57 ft64">Utredningen föreslår att en fysisk eller juridisk person som är leverantör endast av kontoinformationstjänster ska undantas från betaltjänstlagens krav på tillstånd. Dessa aktörer ska dock ansöka om undantag från tillståndsplikten, varefter de – om undantag beviljas – ska registreras av Finansinspektionen. En fysisk eller juridisk person som är leverantör av kontoinformationstjänster får registreras endast om företaget uppfyller vissa krav; det krävs t.ex. att leverantören har en ansvarsförsäkring eller annan jämförbar garanti mot skadeståndsansvar.</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 158px;margin-top: 10px;margin-bottom: 0px;text-indent: 11px;" class="ft5">En betaltjänstanvändare ska ha rätt att använda sig av betalnings- initierings- respektive kontoinformationstjänster om det betalkonto som berörs av tjänsten är tillgängligt online. Rätten för en betaltjänst- användare att använda sig av dessa tjänster ska vara oberoende av om det finns ett avtal mellan den kontoförvaltande betaltjänstleverantören och tredjepartsbetaltjänstleverantören. En kontoförvaltande betaltjänst- leverantör får endast i undantagsfall vägra en leverantör av betalnings- initieringstjänster eller kontoinformationstjänster tillträde till en betal- tjänstanvändares betalkonto.</P>
<P class="p523 ft3">Utredningen föreslår att direktivets regler om de skyldigheter som åligger leverantörer av betalningsinitieringstjänster respektive kontoinformations- tjänster ska anges i betaltjänstlagen. De ska bl.a. vid varje kommunikationssession identifiera sig gentemot den kontoförvaltande betaltjänstleverantören och kommunicera säkert med denne. Den kontoförvaltande betaltjänstleverantören får å sin sida inte behandla en betalningsorder som överförs via en leverantör av betalnings- initieringstjänster eller en förfrågan om uppgifter som överförs via en leverantör av kontoinformationstjänster på ett avvikande sätt om det inte finns objektiva skäl för en särbehandling.</P>
<P style="text-align: left;padding-left: 68px;margin-top: 25px;margin-bottom: 0px;" class="ft97">Obehöriga transaktioner</P>
<P class="p466 ft70">Utredningen föreslår att de bestämmelser som genomför det andra betaltjänstdirektivets regler om skyldigheter i samband med utgivande och användande av betalningsinstrument samt om ansvar vid obehöriga transaktioner ska samlas i betaltjänstlagen, och att alltså lagen om obehöriga transaktioner med betalningsinstrument ska upphöra att gälla.</P>
<P class="p524 ft6">Betalarens betaltjänstleverantör ska som huvudregel betala tillbaka beloppet för en obehörig transaktion till den drabbade betalaren. Detta gäller inte om betaltjänstleverantören har rimlig anledning att misstänka att betalaren genom svikligt handlande har bidragit till den obehöriga transaktionen</P>
<P class="p571 ft40">Betalaren får av betaltjänstleverantören åläggas att stå för den förlust som är hänförlig till en obehörig transaktion upp till ett belopp om</P>
<P class="p54 ft6">400 kronor om transaktionen har kunnat genomföras till följd av att ett</P>
<P class="p160 ft3">485</P>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 2</P>
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<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<P class="p53 ft6">betalningsinstrument förkommit eller missbrukats. Självrisk ska inte utgå om betalaren inte kunnat upptäcka förlusten eller missbruket av betalningsinstrumentet innan den obehöriga transaktionen genomfördes eller om förlusten till följd av transaktionen har orsakats av någon på betaltjänstleverantörens sida.</P>
<P class="p632 ft3">Betalaren ska, liksom i dag, ansvara för hela beloppet om en obehörig transaktion har kunnat genomföras till följd av att betalaren av grov oaktsamhet har brutit mot sina förpliktelser. I konsumentförhållanden ska dock ansvaret vid grov oaktsamhet som huvudregel fortfarande begränsas till 12 000 kronor.</P>
<P class="p145 ft3">Betalaren ska som huvudregel inte stå för beloppet vid en obehörig transaktion, om dennes betaltjänstleverantör inte tillämpar autentiserings- förfarandet stark kundautentisering.</P>
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<P class="p489 ft97">Tillträde till betalningssystem</P>
<P style="text-align: justify;padding-left: 126px;padding-right: 63px;margin-top: 12px;margin-bottom: 0px;" class="ft5">Det andra betaltjänstdirektivets regler om tillträde till betalningssystem föreskriver, utöver vad som följer av betaltjänstlagen, att betaltjänst- leverantörer under vissa förutsättningar ska ha rätt till tillträde till betalningssystem som anmälts i enlighet med det s.k. finalitydirektivet<SPAN style="font: 8px 'Arial';line-height: 10px;position: relative; bottom: 5px;">2</SPAN>. Utredningen föreslår mot denna bakgrund att om en deltagare i ett sådant system ger en betaltjänstleverantör, som inte är deltagare i systemet, möjlighet att sända överföringsorder genom systemet, ska den deltagaren på objektiva, proportionella och <NOBR>icke-diskriminerande</NOBR> grunder ge även andra auktoriserade eller registrerade betaltjänstleverantörer samma möjlighet. Reglerna får inte hindra tillträde i större utsträckning än som är nödvändigt för att skydda mot risker i verksamheten och för att skydda betalningssystemets finansiella och operativa stabilitet. Om en begäran om tillträde avslås ska deltagaren motivera avslaget. Finansinspektionen ska i samråd med Konkurrensverket utöva tillsyn över betaltjänst- leverantörernas möjlighet till indirekt tillträde till anmälda system enligt finalitydirektivet.</P>
<P style="text-align: left;padding-left: 126px;margin-top: 37px;margin-bottom: 0px;" class="ft97">Tillgång till kreditinstitutens betalkontotjänster</P>
<P style="text-align: justify;padding-left: 126px;padding-right: 63px;margin-top: 12px;margin-bottom: 0px;" class="ft5">Det andra betaltjänstdirektivet ger betalningsinstitut rätt att under vissa förutsättningar få tillgång till kreditinstitutens betalkontotjänster. Utredningen föreslår därför att betalningsinstitut ska ha rätt att få tillgång till kreditinstitutens betalkontotjänster på objektiva, <NOBR>icke-diskriminerande</NOBR> och proportionella grunder i den omfattning som krävs för att de effektivt och obehindrat ska kunna tillhandahålla betaltjänster. Om ett kreditinstitut avslår en begäran om tillgång till betalkontotjänster ska institutet lämna Finansinspektionen en motivering till avslaget. Utredningen föreslår att Finansinspektionen i samråd med Konkurrens-</P>
<P style="text-align: left;padding-left: 126px;margin-top: 38px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">2 </SPAN>Europaparlamentets och rådets direktiv 98/26/EG av den 19 maj 1998 om slutgiltig</P>
<P class="p489 ft75">avveckling i system för överföring av betalningar och värdepapper.</P>
<P class="p15 ft3">486</P>
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<TR>
<TD class="tr22 td329"><P class="p3 ft3">verket ska utöva tillsyn över betalningsinstitutens tillgång till kredit-</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr20 td329"><P class="p3 ft3">institutens betalkontotjänster.</P></TD>
<TD class="tr20 td175"><P class="p3 ft3">Bilaga 2</P></TD>
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<P style="text-align: left;padding-left: 68px;margin-top: 28px;margin-bottom: 0px;" class="ft97">Avgifter</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 163px;margin-top: 12px;margin-bottom: 0px;" class="ft3">Medlemsstaterna får enligt det andra betaltjänstdirektivet, precis som tidigare, förbjuda eller begränsa betalningsmottagarens rätt att ta ut avgifter vid användandet av ett visst betalningsinstrument. Utredningen anser att förbudet enligt 5 kap. 1 § fjärde stycket betaltjänstlagen mot sådana avgifter bör bestå.</P>
<P style="text-align: left;padding-left: 68px;margin-top: 28px;margin-bottom: 0px;" class="ft97">Riskhantering</P>
<P class="p466 ft64">Utredningen föreslår att betaltjänstleverantörer ska vara skyldiga att inrätta system med lämpliga åtgärder och kontrollmekanismer för att hantera operativa risker och säkerhetsrisker. Inom ramen för ett sådant system ska det finnas rutiner för hur allvarliga incidenter ska upptäckas och klassificeras. Betaltjänstleverantörerna ska också vara skyldiga att rapportera till Finansinspektionen om operativa risker och säkerhetsrisker som är förknippade med de betaltjänster som de tillhandahåller och vilka åtgärder som vidtagits för att hantera dessa risker.</P>
<P class="p705 ft70">En betaltjänstleverantör ska vara skyldig att utan onödigt dröjsmål underrätta Finansinspektionen om en allvarlig operativ incident eller säkerhetsincident. Om incidenten riskerar att påverka betaltjänst- användarnas ekonomiska intressen ska betaltjänstleverantörerna också underrätta sina användare om händelsen och vidta de åtgärder som krävs för att begränsa den skada som kan uppkomma till följd av incidenten.</P>
<P class="p174 ft5">Utredningen föreslår vidare att den kontoförvaltande betaltjänst- leverantören ska tillämpa autentiseringsförfarandet stark kundautentisering när betalaren bl.a. loggar in på sitt konto online eller initierar en elektronisk betalningstransaktion. I tillämpliga fall ska stark kund- autentisering också användas för betalningstransaktioner som initieras via en leverantör av betalningsinitieringstjänster liksom för information som begärs via en leverantör av kontoinformationstjänster.</P>
<P class="p716 ft3">När leverantörer av betalningsinitierings- eller kontoinformationstjänster tillhandahåller sina tjänster ska de kunna använda de autentiserings- förfaranden som den kontoförvaltande betaltjänstleverantören förser betaltjänstanvändaren med.</P>
<P style="text-align: left;padding-left: 68px;margin-top: 29px;margin-bottom: 0px;" class="ft97">Alternativ tvistlösning</P>
<P class="p466 ft70">Utredningen konstaterar att det finns lämpliga och effektiva förfaranden för hantering av klagomål som rör betaltjänstleverantörers överträdelser av bestämmelserna i betaltjänstlagen. Regeringen eller den myndighet regeringen bestämmer bör bemyndigas att meddela närmare föreskrifter om hur betaltjänstleverantörer ska hantera betaltjänstanvändares klagomål i</P>
<P class="p54 ft3">fråga om de rättigheter och skyldigheter som fastställs i betaltjänstlagen</P>
<P class="p160 ft3">487</P>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 2</P>
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<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<P class="p53 ft3">samt om hur kontrollen av betaltjänstleverantörernas klagomålshantering ska utformas.</P>
<P class="p145 ft3">Allmänna reklamationsnämndens verksamhet uppfyller det andra betaltjänstdirektivets krav för hanteringen av tvister om rättigheter och skyldigheter enligt betaltjänstlagen mellan betaltjänstanvändare som är konsumenter och deras betaltjänstleverantörer. Utredningen anser att förfaranden för alternativ tvistlösning också i fortsättningen bara bör vara öppna för betaltjänstanvändare som är konsumenter.</P>
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<P class="p489 ft97">Gränsöverskridande verksamhet</P>
<P style="text-align: justify;padding-left: 126px;padding-right: 68px;margin-top: 9px;margin-bottom: 0px;" class="ft6">I fråga om direktivets reglering om gränsöverskridande verksamhet föreslår utredningen bl.a. att utländska betalningsinstitut som bedriver verksamhet i Sverige genom ombud eller filial ska lämna upplysningar om sin verksamhet i Sverige på begäran av Finansinspektionen respektive Riksbanken.</P>
<P class="p501 ft64">Utredningen föreslår också att betalningsinstitut som har huvudkontor i en annan medlemsstat och som bedriver verksamhet i Sverige genom ombud ska utse en central kontaktpunkt i Sverige om Finansinspektionen anser att det behövs. Det bör också anges i lagen att den centrala kontaktpunkten på begäran av Finansinspektionen ska lämna information om sin verksamhet och att inspektionen ska få rätt att göra platsbesök.</P>
<P style="text-align: left;padding-left: 126px;margin-top: 27px;margin-bottom: 0px;" class="ft97">Tidpunkten för genomförandet</P>
<P style="text-align: justify;padding-left: 126px;padding-right: 68px;margin-top: 12px;margin-bottom: 0px;" class="ft3">Det andra betaltjänstdirektivet ska – med undantag för ett fåtal be- stämmelser som ska genomföras först vid ett senare datum – vara genomfört i nationell rätt senast den 13 januari 2018. Merparten av de föreslagna författningsändringarna föreslås träda i kraft vid den tidpunkten.</P>
<P style="text-align: left;margin-top: 270px;margin-bottom: 0px;" class="ft3">488</P>
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<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-right: 84px;margin-top: 0px;margin-bottom: 0px;font: 18px 'Arial';line-height: 26px;">Lagförslag i betänkandet Betaltjänster, förmedlingsavgifter och grundläggande betalkonton (SOU 2016:53)</P>
<P style="text-align: left;padding-right: 62px;margin-top: 7px;margin-bottom: 0px;" class="ft37">Förslag till lag om ändring i lagen (2010:751) om betaltjänster</P>
<P class="p579 ft3">Härigenom föreskrivs att i fråga om betaltjänstlagen (2010:751)</P>
<P class="p514 ft3"><SPAN class="ft4">dels </SPAN>att nuvarande 5 kap. <NOBR>6–33</NOBR> §§ ska betecknas 5 kap. <NOBR>25–49</NOBR> och 58, 60 och 61 §§,</P>
<P class="p514 ft6"><SPAN class="ft4">dels </SPAN>att de nya 5 kap. 25, <NOBR>29–31,</NOBR> 33, 34, 36, 37, 39, 40, 42, <NOBR>44–47,</NOBR> 49, 58 och 61 §§, ska ha följande lydelse,</P>
<P class="p514 ft6"><SPAN class="ft4">dels </SPAN>att 1 kap. <NOBR>1–4,</NOBR> 6 och 7 §§, 2 kap. <NOBR>2–4</NOBR> och 6 §§, 3 kap. 2, 5, 7, 9, 11, 13, <NOBR>17–20,</NOBR> 24, 25 och <NOBR>27–29</NOBR> §§, 4 kap. <NOBR>1–3,</NOBR> <NOBR>5–7,10–13</NOBR> och 15 §§, 5 kap. <NOBR>1–3</NOBR> och 5 §§, 7 kap. 3 § och 8 kap. <NOBR>1–3,</NOBR> 5, 13, 21 och 27 §§ ska ha följande lydelse,</P>
<P class="p103 ft3">dels att rubriken till 7 kap. ska ha följande lydelse,</P>
<P class="p103 ft3">dels att rubriken närmast 5 kap. 5 § ska ha följande lydelse,</P>
<P class="p514 ft6"><SPAN class="ft4">dels </SPAN>att rubrikerna närmast nuvarande 5 kap. 6, 9, 10, 13, 16, 17 23, 25, 27, <NOBR>30–33</NOBR> §§ ska sättas före de nya 5 kap. 25, 28, 29, 32, 35, 36, 42, 44, 46, 49, 58, 60 och 61 §§,</P>
<P class="p103 ft3"><SPAN class="ft4">dels </SPAN>att det ska införas ett nytt kapitel, 5 a, av följande lydelse,</P>
<P class="p514 ft3"><SPAN class="ft4">dels </SPAN>att det ska införas 37 nya paragrafer, 3 kap. 28 a § 4 kap. 4 a, 4 b, 7 a, 7 b och 8 a §§, 5 kap. <NOBR>6–24,</NOBR> <NOBR>50–57</NOBR> och 59 §§, 7 kap. 4 och 5 §§ och 8 kap. 4 a §, av följande lydelse,</P>
<P class="p514 ft3"><SPAN class="ft4">dels </SPAN>att det närmast de nya 5 kap. 7, 14, 19, 20, 24 och 51 §§ ska införas nya rubriker av följande lydelse.</P>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
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<TABLE cellpadding=0 cellspacing=0 style="width: 306px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr24 td60"><P class="p3 ft4">Nuvarande lydelse</P></TD>
<TD class="tr24 td167"><P class="p3 ft41">Föreslagen lydelse</P></TD>
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</TABLE>
<P style="text-align: justify;padding-left: 179px;margin-top: 11px;margin-bottom: 0px;" class="ft42"><SPAN class="ft42">1</SPAN><SPAN class="ft71">kap.</SPAN></P>
<P class="p234 ft3">1 §</P>
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<TR>
<TD class="tr28 td60"><P class="p62 ft3">I denna lag finns bestämmelser</P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 300px;vertical-align: bottom;" class="tr28"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">I denna lag finns bestämmelser</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft7">om betaltjänster som tillhandahålls</P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 300px;vertical-align: bottom;" class="tr16"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">om betaltjänster som tillhandahålls</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">i Sverige och utförs inom det</P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 300px;vertical-align: bottom;" class="tr15"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">i Sverige och utförs inom det</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft6">Europeiska ekonomiska sam-</P></TD>
<TD class="tr16 td140"><P class="p3 ft6">Europeiska</P></TD>
<TD colspan=2 class="tr16 td175"><P class="p90 ft6">ekonomiska</P></TD>
<TD class="tr16 td111"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">sam-</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">arbetsområdet (EES<SPAN class="ft4">) i euro, i</SPAN></P></TD>
<TD colspan=3 class="tr15 td186"><P class="p3 ft3">arbetsområdet (EES).</P></TD>
<TD class="tr15 td111"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft4">någon annan av <NOBR>EES-ländernas</NOBR></P></TD>
<TD class="tr16 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td111"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P style="text-align: right;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">valutor<SPAN class="ft7">.</SPAN></P></TD>
<TD colspan=4 rowspan=2 style="padding: 0px;margin: 0px;width: 300px;vertical-align: bottom;" class="tr27"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">Bestämmelserna i 4 och 5 kap.</P></TD>
</TR>
<TR>
<TD class="tr52 td60"><P style="font: 1px 'Arial';line-height: 11px;" class="p3"> </P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 300px;vertical-align: bottom;" class="tr28"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">är tillämpliga på betalnings-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td115"><P class="p3 ft4">transaktioner i</P></TD>
<TD colspan=2 class="tr16 td229"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">en medlemsstats</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 300px;vertical-align: bottom;" class="tr15"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">valuta om såväl betalarens som</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 300px;vertical-align: bottom;" class="tr16"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">betalningsmottagarens betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td140"><P class="p3 ft4">leverantör</P></TD>
<TD class="tr16 td94"><P class="p3 ft4">är</P></TD>
<TD class="tr16 td141"><P class="p3 ft4">etablerade</P></TD>
<TD class="tr16 td111"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">inom</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 300px;vertical-align: bottom;" class="tr15"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4"><NOBR>EES-området.</NOBR> Detsamma gäller</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 300px;vertical-align: bottom;" class="tr16"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">om den ende betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 300px;vertical-align: bottom;" class="tr16"><P style="text-align: right;padding-right: 112px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">tören i betalningstransaktionen är</P></TD>
</TR>
<TR>
<TD class="tr2 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr2 td186"><P class="p3 ft4">etablerad i <NOBR>EES-området.</NOBR></P></TD>
<TD class="tr2 td111"><P class="p17 ft3">489</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV id="page_490" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">490</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Bestämmelserna i 4 kap., med undantag för 4 § första stycket 2, 10 § 8 och 16 § första stycket 1, och bestämmelserna i 5 kap., med undantag för <NOBR>35–38,</NOBR> 39 § första och andra styckena, <NOBR>40–41</NOBR> §§, är tillämpliga på de delar av en betalningstransaktion som genom- förs inom <NOBR>EES-området</NOBR> i en valuta som inte är någon medlemsstats valuta om såväl betalarens som betalningsmottagarens betaltjänst- leverantörer är etablerade inom <NOBR>EES-området.</NOBR> Detsamma gäller om den ende betaltjänstleveran- tören i betalningstransaktionen är etablerad inom <NOBR>EES-området.</NOBR></P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 6px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Bestämmelserna i 4 kap., med undantag för 4 § första stycket 2, 10 § 8 och 24 samt 16 § första stycket 1, och bestämmelserna i 5 kap., med undantag för 1 § andra stycket, <NOBR>25–27,</NOBR> 35, 37, <NOBR>44–48,</NOBR> och 58 §§, är tillämpliga på de delar av en betalningstransaktion som genomförs inom <NOBR>EES-området</NOBR> i alla valutor om en av betaltjänst- leverantörerna i transaktionen är etablerad inom <NOBR>EES-området.</NOBR></P>
<P class="p1119 ft3">I denna lag finns också bestämmelser om betalningsinstitut och</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=2 class="tr2 td60"><P class="p3 ft3">registrerade betaltjänstleverantörer.</P></TD>
<TD class="tr2 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td62"><P class="p17 ft3">2 §</P></TD>
<TD class="tr27 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p31 ft7">Med betaltjänster avses i denna lag</P></TD>
<TD class="tr16 td72"><P class="p3 ft66"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p31 ft3">1. tjänster som gör</P></TD>
<TD class="tr15 td62"><P class="p21 ft3">det möjligt</P></TD>
<TD class="tr15 td72"><P class="p17 ft3">1<SPAN class="ft4">. </SPAN>tjänster som gör det möjligt</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">att sätta in på och ta ut kontanter</P></TD>
<TD class="tr16 td72"><P class="p27 ft5">att sätta in <SPAN class="ft41">kontanter </SPAN>på och ta ut</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">från ett betalkonto samt de</P></TD>
<TD class="tr16 td72"><P class="p17 ft5">kontanter från ett betalkonto samt</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft4">transaktioner <SPAN class="ft3">som</SPAN></P></TD>
<TD class="tr15 td62"><P class="p21 ft3">krävs för</P></TD>
<TD class="tr15 td72"><P class="p17 ft3">de <SPAN class="ft4">åtgärder </SPAN>som krävs för förvalt-</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft23">förvaltning av kontot,</P></TD>
<TD class="tr21 td62"><P class="p3 ft61"> </P></TD>
<TD class="tr21 td72"><P style="text-align: right;padding-right: 109px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft24">ning av kontot<SPAN class="ft84">,</SPAN></P></TD>
</TR>
</TABLE>
<P class="p213 ft6">2. genomförande av betalningstransaktioner, inklusive överföring av medel som även kan täckas av ett kreditutrymme, genom</P>
<P class="p461 ft3"><SPAN class="ft7">a.</SPAN><SPAN class="ft32">autogiro,</SPAN></P>
<P class="p461 ft6"><SPAN class="ft5">b.</SPAN><SPAN class="ft33">kontokort eller andra betalningsinstrument, eller</SPAN></P>
<P class="p461 ft3"><SPAN class="ft5">c.</SPAN><SPAN class="ft32">kontobaserade betalningar,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr15 td60"><P class="p31 ft3">3. <SPAN class="ft4">utfärdande </SPAN>av betalnings-</P></TD>
<TD class="tr15 td110"><P class="p31 ft4"><SPAN class="ft3">3. </SPAN>utgivning</P></TD>
<TD class="tr15 td66"><P class="p3 ft3">av</P></TD>
<TD class="tr15 td153"><P class="p3 ft7">betalnings-</P></TD>
</TR>
<TR>
<TD class="tr21 td60"><P class="p3 ft23">instrument</P></TD>
<TD class="tr21 td110"><P class="p3 ft23">instrument<SPAN class="ft62">,</SPAN></P></TD>
<TD class="tr21 td66"><P class="p3 ft61"> </P></TD>
<TD class="tr21 td153"><P class="p3 ft61"> </P></TD>
</TR>
</TABLE>
<P class="p606 ft3">4. inlösen av transaktionsbelopp där ett betalningsinstrument har</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 384px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr15 td60"><P class="p3 ft3">använts,</P></TD>
<TD class="tr15 td211"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p31 ft6"><SPAN class="ft4">5. </SPAN>penningöverföring<SPAN class="ft4">, eller</SPAN></P></TD>
<TD class="tr16 td211"><P class="p31 ft6"><SPAN class="ft4">5. </SPAN>penningöverföring,</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p31 ft4">6. genomförande av betalnings-</P></TD>
<TD class="tr15 td211"><P class="p31 ft41">6. betalningsinitieringstjänster,</P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p3 ft4">transaktioner där</P></TD>
<TD class="tr28 td211"><P class="p3 ft4">eller</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_491" style="position:relative; overflow: hidden;margin: 48px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 372px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td43"><P class="p90 ft4">a. betalaren</P></TD>
<TD class="tr2 td98"><P class="p70 ft4">godkänner</P></TD>
<TD class="tr2 td78"><P class="p511 ft4">trans-</P></TD>
<TD class="tr2 td187"><P class="p3 ft41">7. kontoinformationstjänster<SPAN style="font: 12px 'Times New Roman';line-height: 15px;">.</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td275"><P class="p511 ft4">aktionen med någon form av ut-</P></TD>
<TD class="tr15 td187"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td43"><P class="p3 ft4">rustning för</P></TD>
<TD colspan=2 class="tr16 td17"><P class="p511 ft41">telekommunikation,</P></TD>
<TD class="tr16 td187"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td275"><P class="p511 ft4">digital teknik eller informations-</P></TD>
<TD class="tr16 td187"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td43"><P class="p3 ft4">teknik, och</P></TD>
<TD class="tr15 td98"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td187"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 150px;vertical-align: bottom;" class="tr15"><P class="p90 ft4">b. betalningen sker till</P></TD>
<TD class="tr15 td78"><P class="p511 ft41">system-</P></TD>
<TD class="tr15 td187"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-right: 213px;margin-top: 0px;margin-bottom: 0px;" class="ft56">operatören, som endast fungerar som mellanhand mellan betal- tjänstanvändaren och leverantören av varorna eller tjänsterna.</P>
<P style="text-align: left;padding-left: 186px;margin-top: 10px;margin-bottom: 0px;" class="ft3">3 §<SPAN class="ft43">1</SPAN></P>
<P style="text-align: left;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Med betaltjänstleverantörer avses i denna lag följande tillhandahållare av betaltjänster:</P>
<P class="p514 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">banker och kreditmarknadsföretag enligt lagen (2004:297) om bank- och finansieringsrörelse,</SPAN></P>
<P class="p611 ft40"><SPAN class="ft5">2.</SPAN><SPAN style="font: 12px 'Arial';margin-left: 4px;line-height: 16px;">institut för elektroniska pengar och de företag som har undantagits från tillståndsplikt enligt lagen (2011:755) om elektroniska pengar,</SPAN></P>
<P class="p514 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">betalningsinstitut och de fysiska eller juridiska personer som har undantagits från tillståndsplikt enligt 2 kap. 3 §,</SPAN></P>
<P class="p514 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft51">statliga och kommunala myndigheter, när de inte ägnar sig åt myndighetsutövning,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR height=0>
<TD width=35px></TD>
<TD width=27px></TD>
<TD width=25px></TD>
<TD width=29px></TD>
<TD width=49px></TD>
<TD width=40px></TD>
<TD width=35px></TD>
<TD width=13px></TD>
<TD width=32px></TD>
<TD width=41px></TD>
<TD width=21px></TD>
<TD width=27px></TD>
<TD width=19px></TD>
</TR>
<TR>
<TD colspan=3 class="tr28 td84"><P class="p90 ft3">5. utländska</P></TD>
<TD colspan=2 class="tr28 td91"><P class="p3 ft3">fysiska och</P></TD>
<TD class="tr28 td90"><P class="p62 ft3">juri-</P></TD>
<TD colspan=7 class="tr28 td61"><P class="p17 ft3">5<SPAN class="ft4">. </SPAN>utländska fysiska och juri-</P></TD>
</TR>
<TR>
<TD class="tr16 td135"><P class="p3 ft6">diska</P></TD>
<TD colspan=2 class="tr16 td80"><P class="p3 ft6">personer</P></TD>
<TD class="tr16 td68"><P class="p1 ft5">samt</P></TD>
<TD colspan=2 class="tr16 td15"><P class="p62 ft6">myndigheter</P></TD>
<TD class="tr16 td135"><P class="p3 ft6">diska</P></TD>
<TD colspan=3 class="tr16 td205"><P class="p181 ft7">personer samt</P></TD>
<TD colspan=3 class="tr16 td98"><P class="p17 ft7">myndigheter</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">inom EES, <SPAN class="ft4">motsvarande </SPAN>dem i <NOBR>1–4</NOBR></P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft3">inom EES, <SPAN class="ft4">som motsvarar </SPAN>dem i</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">med undantag <SPAN class="ft4">av </SPAN>sådana fysiska</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft6"><NOBR>1–4</NOBR> med undantag <SPAN class="ft4">för </SPAN>sådana</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">eller juridiska personer som har</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p3 ft6">fysiska</P></TD>
<TD class="tr16 td75"><P class="p1 ft6">eller</P></TD>
<TD colspan=2 class="tr16 td149"><P class="p71 ft6">juridiska</P></TD>
<TD colspan=2 class="tr16 td82"><P class="p17 ft7">personer</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td149"><P class="p3 ft7">undantagits</P></TD>
<TD colspan=2 class="tr15 td158"><P class="p148 ft3">från</P></TD>
<TD colspan=2 class="tr15 td15"><P class="p62 ft5">tillståndsplikt</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft3">som har undantagits från till-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">enligt nationella bestämmelser som</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p3 ft6">ståndsplikt</P></TD>
<TD class="tr16 td81"><P class="p3 ft6">enligt</P></TD>
<TD colspan=3 class="tr16 td98"><P class="p17 ft6">nationella</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td89"><P class="p3 ft41"><SPAN class="ft5">genomför </SPAN>Europaparlamentets</P></TD>
<TD class="tr16 td90"><P class="p62 ft4">och</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p3 ft7">bestämmelser</P></TD>
<TD class="tr16 td81"><P class="p73 ft6">som</P></TD>
<TD colspan=3 class="tr16 td98"><P class="p17 ft6">genomför</P></TD>
</TR>
<TR>
<TD class="tr15 td135"><P class="p3 ft4">rådets</P></TD>
<TD colspan=2 class="tr15 td80"><P class="p93 ft4">direktiv</P></TD>
<TD colspan=2 class="tr15 td91"><P class="p93 ft4">2007/64/EG</P></TD>
<TD class="tr15 td90"><P class="p62 ft4">om</P></TD>
<TD colspan=4 class="tr15 td108"><P class="p3 ft4">Europaparlamentets</P></TD>
<TD class="tr15 td33"><P class="p1 ft4">och</P></TD>
<TD colspan=2 class="tr15 td82"><P class="p17 ft4">rådets</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td84"><P class="p3 ft4">betaltjänster</P></TD>
<TD class="tr16 td68"><P class="p72 ft4">på</P></TD>
<TD class="tr16 td58"><P class="p93 ft4">den</P></TD>
<TD class="tr16 td90"><P class="p62 ft4">inre</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p3 ft4">direktiv</P></TD>
<TD class="tr16 td75"><P class="p3 ft4">(EU)</P></TD>
<TD colspan=2 class="tr16 td149"><P class="p146 ft4">2015/2366</P></TD>
<TD class="tr16 td126"><P class="p70 ft4">av</P></TD>
<TD class="tr16 td67"><P class="p17 ft41">den</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4">marknaden och om ändring av</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p3 ft4">25 november</P></TD>
<TD class="tr16 td81"><P class="p71 ft4">2015</P></TD>
<TD class="tr16 td33"><P class="p70 ft4">om</P></TD>
<TD colspan=2 class="tr16 td82"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td149"><P class="p3 ft4">direktiven</P></TD>
<TD colspan=2 class="tr15 td158"><P class="p3 ft4">97/7/EG,</P></TD>
<TD colspan=2 class="tr15 td15"><P class="p62 ft4">2002/65/EG,</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft4">tjänster på den inre marknaden,</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4">2005/60/EG och 2006/48/EG samt</P></TD>
<TD class="tr16 td135"><P class="p3 ft4">om</P></TD>
<TD colspan=2 class="tr16 td119"><P class="p146 ft41">ändring</P></TD>
<TD class="tr16 td81"><P class="p181 ft4">av</P></TD>
<TD colspan=3 class="tr16 td98"><P class="p17 ft4">direktiven</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4">upphävande av direktiv 97/ 5/EG,</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p3 ft4">2002/65/EG,</P></TD>
<TD colspan=3 class="tr16 td15"><P class="p72 ft4">2009/110/EG</P></TD>
<TD class="tr16 td67"><P class="p17 ft41">och</P></TD>
</TR>
<TR>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td61"><P class="p17 ft4">2013/36/EU samt förordning (EU)</P></TD>
</TR>
<TR>
<TD class="tr16 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft4">nr 1093/2010 och om upphävande</P></TD>
</TR>
<TR>
<TD class="tr16 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td97"><P class="p3 ft4">av direktiv 2007/64/EG<SPAN style="font: italic 9px 'Times New Roman';line-height: 10px;position: relative; bottom: 5px;">2</SPAN>,</P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p514 ft6">6. Europeiska centralbanken och nationella centralbanker i andra EES- länder, när de inte agerar i egenskap av monetär eller offentlig</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=2 class="tr15 td53"><P class="p3 ft3">myndighet,</P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td108"><P class="p90 ft3">7. postgiroinstitut</P></TD>
<TD class="tr15 td23"><P class="p154 ft3">inom</P></TD>
<TD class="tr15 td123"><P class="p62 ft3">EES</P></TD>
<TD colspan=3 class="tr15 td108"><P class="p90 ft3">7. postgiroinstitut</P></TD>
<TD class="tr15 td23"><P class="p154 ft3">inom</P></TD>
<TD class="tr15 td92"><P class="p17 ft3">EES</P></TD>
</TR>
<TR>
<TD class="tr16 td105"><P class="p3 ft6">som</P></TD>
<TD class="tr16 td119"><P class="p182 ft6">enligt</P></TD>
<TD class="tr16 td46"><P class="p3 ft6">nationell</P></TD>
<TD colspan=2 class="tr16 td35"><P class="p62 ft6">lagstiftning</P></TD>
<TD class="tr16 td105"><P class="p3 ft6">som</P></TD>
<TD class="tr16 td119"><P class="p182 ft6">enligt</P></TD>
<TD class="tr16 td46"><P class="p3 ft6">nationell</P></TD>
<TD colspan=2 class="tr16 td98"><P class="p17 ft6">lagstiftning</P></TD>
</TR>
<TR>
<TD class="tr16 td105"><P class="p3 ft6">har</P></TD>
<TD class="tr16 td119"><P class="p182 ft6">rätt att</P></TD>
<TD colspan=2 class="tr16 td84"><P class="p154 ft6">tillhandahålla</P></TD>
<TD class="tr16 td123"><P class="p62 ft7">betal-</P></TD>
<TD class="tr16 td105"><P class="p3 ft6">har</P></TD>
<TD class="tr16 td119"><P class="p182 ft6">rätt att</P></TD>
<TD colspan=2 class="tr16 td84"><P class="p307 ft6">tillhandahålla</P></TD>
<TD class="tr16 td92"><P class="p17 ft7">betal-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td53"><P class="p3 ft3">tjänster, <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr20 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td123"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td53"><P class="p3 ft3">tjänster,</P></TD>
<TD class="tr20 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 29px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P class="p54 ft7"><SPAN class="ft44">1 </SPAN>Senaste lydelse 2011:775.</P>
<P class="p54 ft75"><SPAN class="ft44">2 </SPAN>EUT L 337, 23.12.2015, s. 35 (Celex 32015L2366).</P>
<P class="p160 ft3">491</P>
</DIV>
</DIV>
<DIV id="page_492" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">492</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 13px 'Times New Roman';">
<TR>
<TD class="tr2 td218"><P class="p31 ft57">8. filialer till kreditinstitut</P></TD>
<TD class="tr2 td142"><P class="p3 ft57">från</P></TD>
<TD class="tr2 td78"><P class="p31 ft57">8. filialer</P></TD>
<TD class="tr2 td110"><P class="p202 ft57">till kreditinstitut</P></TD>
<TD class="tr2 td126"><P class="p27 ft57">från</P></TD>
</TR>
<TR>
<TD class="tr28 td218"><P class="p3 ft57">länder utanför EES.</P></TD>
<TD class="tr28 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td174"><P class="p3 ft57">länder utanför EES, <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr28 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td218"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p31 ft4">9. filialer</P></TD>
<TD class="tr15 td110"><P class="p134 ft4">till institut för</P></TD>
<TD class="tr15 td126"><P class="p27 ft41">elek-</P></TD>
</TR>
<TR>
<TD class="tr28 td218"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr28 td72"><P class="p17 ft4">troniska pengar från länder utan-</P></TD>
</TR>
<TR>
<TD class="tr15 td218"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft4">för EES.</P></TD>
<TD class="tr15 td110"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr31 td218"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr31 td88"><P style="text-align: right;padding-right: 64px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">4 §<SPAN class="ft43">3</SPAN></P></TD>
<TD class="tr31 td110"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td126"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 101px 0px 0px 0px;padding: 0px;border:none;width: 190px;overflow: hidden;">
<P class="p604 ft6"><SPAN class="ft4">1</SPAN>. autogiro: en betaltjänst för debitering av en betalares betal- konto, där initiativet till en betal- ningstransaktion tas av betal- ningsmottagaren på grundval av betalarens samtycke till mottag- aren, mottagarens betaltjänst- leverantör eller betalarens egen betaltjänstleverantör,</P>
<P class="p858 ft5"><SPAN class="ft41">2. </SPAN>bankdag: en dag på vilken en betaltjänstleverantör har öppet för verksamhet i den utsträckning som krävs för genomförande av en betalningstransaktion,</P>
<P class="p604 ft6"><SPAN class="ft4">3</SPAN>. betalare: en fysisk eller juridisk person som är antingen betalkontoinnehavare och som godkänner en betalningsorder från detta betalkonto, eller en fysisk eller juridisk person som lämnar en betalningsorder,</P>
<P style="text-align: justify;padding-right: 1px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft6"><SPAN class="ft4">4</SPAN>. betalkonto: ett konto som innehas i en eller flera betal- tjänstanvändares namn och som är avsett för genomförandet av betalningstransaktioner,</P>
<P class="p730 ft124"><SPAN class="ft123">5</SPAN>. betalningsinstitut: ett aktiebolag eller en ekonomisk förening som har fått tillstånd att tillhandahålla betaltjänster enligt 2 kap.,</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 15px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p462 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft53">autentisering: ett förfarande inklusive användarens persona- liserade behörighetsfunktioner, genom vilket en betaltjänstleve- rantör kan kontrollera en betal- tjänstanvändares identitet eller ett betalningsinstruments giltighet,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft4">2.</SPAN><SPAN class="ft33">autogiro: en betaltjänst för debitering av en betalares betal- konto, där initiativet till en betal- ningstransaktion tas av betal- ningsmottagaren på grundval av betalarens samtycke till mottag- aren, mottagarens betaltjänst- leverantör eller betalarens egen betaltjänstleverantör,</SPAN></P>
<P style="text-align: justify;padding-right: 63px;margin-top: 2px;margin-bottom: 0px;text-indent: 12px;" class="ft6"><SPAN class="ft4">3.</SPAN><SPAN class="ft33">bankdag: en dag på vilken en betaltjänstleverantör har öppet för verksamhet i den utsträckning som krävs för genomförande av en betalningstransaktion,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft4">4.</SPAN><SPAN class="ft33">betalare: en fysisk eller juridisk person som är antingen betalkontoinnehavare och som godkänner en betalningsorder från detta betalkonto, eller en fysisk eller juridisk person som lämnar en betalningsorder,</SPAN></P>
<P style="text-align: justify;padding-right: 68px;margin-top: 4px;margin-bottom: 0px;text-indent: 12px;" class="ft6"><SPAN class="ft4">5.</SPAN><SPAN class="ft33">betalkonto: ett konto som innehas i en eller flera betal- tjänstanvändares namn och som är avsett för genomförandet av betalningstransaktioner,</SPAN></P>
<P class="p1113 ft3"><SPAN class="ft4">6.</SPAN><SPAN class="ft166">betalningsinstitut: ett aktie- bolag eller en ekonomisk förening som har fått tillstånd att</SPAN></P>
<P class="p15 ft3">tillhandahålla betaltjänster enligt</P>
<P class="p53 ft3"><SPAN class="ft3">2</SPAN><SPAN class="ft32">kap.,</SPAN></P>
<P class="p1084 ft56"><SPAN class="ft4">7.</SPAN><SPAN style="font: italic 13px 'Times New Roman';margin-left: 3px;line-height: 17px;">betalningsinitieringstjänst: en tjänst för att på begäran av betal-</SPAN></P>
</DIV>
</DIV>
<DIV style="border:none;margin: 26px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p15 ft7"><SPAN class="ft44">3 </SPAN>Senaste lydelse 2015:188.</P>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_493" style="position:relative; overflow: hidden;margin: 49px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 45px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P class="p80 ft6"><SPAN class="ft4">6</SPAN>. betalningsinstrument: ett kontokort eller något annat per- sonligt instrument eller en per- sonlig rutin som används för att initiera en betalningsorder,</P>
<P class="p299 ft64"><SPAN class="ft63">7</SPAN>. betalningsmottagare: en fysisk eller juridisk person som är den avsedda mottagaren av medel vid en betalningstransaktion,</P>
<P class="p80 ft6"><SPAN class="ft4">8</SPAN>. betalningsorder: varje instruk- tion som en betalare eller betalningsmottagare ger sin be- taltjänstleverantör om att en betalningstransaktion ska genom- föras,</P>
<P style="text-align: justify;padding-right: 15px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft64"><SPAN class="ft63">9</SPAN>. betalningssystem: ett generellt betalsystem enligt 1 kap. 3 § andra stycket lagen (2004:297) om bank- och finansieringsrörelse,</P>
<P class="p80 ft6"><SPAN class="ft4">10</SPAN>. betalningstransaktion: in- sättning, uttag eller överföring av medel som initieras av betalaren eller betalningsmottagaren, oberoende av eventuella under- liggande förpliktelser mellan betalaren och betalningsmottag- aren,</P>
<P class="p80 ft3"><SPAN class="ft4">11</SPAN>. betaltjänstanvändare: en fysisk eller juridisk person som utnyttjar en betaltjänst,</P>
<P class="p80 ft3"><SPAN class="ft4">12</SPAN>. debitera: att medel dras från ett konto,</P>
<P style="text-align: justify;padding-right: 17px;margin-top: 117px;margin-bottom: 0px;text-indent: 11px;" class="ft6"><SPAN class="ft4">13</SPAN>. filial: ett avdelningskontor med självständig förvaltning, varvid även ett utländskt betal- ningsinstituts etablering av flera driftställen ska anses som en enda filial,</P>
<P class="p1111 ft3"><SPAN class="ft4">14</SPAN>. grupp: detsamma som i</P>
<P class="p821 ft3">1 kap. 7 § lagen (2006:531) om</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p513 ft39">tjänstanvändaren initiera en betal- ningsorder från ett betalkonto hos en annan betaltjänstleverantör,</P>
<P class="p514 ft6"><SPAN class="ft4">8</SPAN>. betalningsinstrument: ett kontokort eller något annat per- sonligt instrument eller en per- sonlig rutin som används för att initiera en betalningsorder,</P>
<P class="p611 ft70"><SPAN class="ft81">9</SPAN>. betalningsmottagare: en fysisk eller juridisk person som är den avsedda mottagaren av medel vid en betalningstransaktion,</P>
<P class="p514 ft6"><SPAN class="ft4">10</SPAN>. betalningsorder: varje in- struktion som en betalare eller betalningsmottagare ger sin be- taltjänstleverantör om att en betalningstransaktion ska genom- föras,</P>
<P class="p655 ft64"><SPAN class="ft63">11</SPAN>. betalningssystem: ett generellt betalsystem enligt 1 kap. 3 § andra stycket lagen (2004:297) om bank- och finansieringsrörelse,</P>
<P class="p611 ft6"><SPAN class="ft4">12</SPAN>. betalningstransaktion: in- sättning, uttag eller överföring av medel som initieras av betalaren eller betalningsmottagaren, oberoende av eventuella under- liggande förpliktelser mellan betalaren och betalningsmottag- aren,</P>
<P class="p514 ft3"><SPAN class="ft4">13</SPAN>. betaltjänstanvändare: en fysisk eller juridisk person som utnyttjar en betaltjänst,</P>
<P class="p103 ft6"><SPAN class="ft4">14</SPAN>. debitera: att medel dras från</P>
<TABLE cellpadding=0 cellspacing=0 class="t44">
<TR>
<TD class="tr28 td96"><P class="p3 ft3">ett konto,</P></TD>
<TD class="tr28 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td20"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p90 ft4">15. elektroniskt</P></TD>
<TD colspan=2 class="tr16 td165"><P class="p17 ft4">kommunika-</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft4">tionsnät: detsamma</P></TD>
<TD class="tr16 td68"><P class="p3 ft4">som</P></TD>
<TD class="tr16 td20"><P class="p17 ft4">i 1 kap.</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft4">7 § lagen(2003:389)</P></TD>
<TD class="tr15 td68"><P class="p74 ft4">om</P></TD>
<TD class="tr15 td20"><P class="p17 ft4">elektro-</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft4">nisk kommunikation,</P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr21 td96"><P class="p90 ft62">16. elektronisk</P></TD>
<TD colspan=2 class="tr21 td165"><P class="p17 ft62">kommunika-</P></TD>
</TR>
</TABLE>
<P class="p758 ft4">tionstjänst: detsamma som i 1 kap. 7 § lagen(2003:389) om elektro- nisk kommunikation,</P>
<P class="p514 ft6"><SPAN class="ft4">17</SPAN>. filial: ett avdelningskontor med självständig förvaltning, varvid även ett utländskt betal- ningsinstituts etablering av flera driftställen ska anses som en enda filial,</P>
<P class="p655 ft54">18<SPAN class="ft59">. grupp: </SPAN>en grupp av företag som är knutna till varandra genom</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">493</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_494" style="position:relative; overflow: hidden;margin: 48px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 49px;padding: 0px;border:none;width: 512px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 113px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 3</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p53 ft3">särskild tillsyn över finansiella konglomerat,</P>
<P style="text-align: justify;margin-top: 305px;margin-bottom: 0px;text-indent: 11px;" class="ft3"><SPAN class="ft4">15</SPAN>. hemland: det land där ett företag har fått tillstånd att driva sådan verksamhet som avses i denna lag,</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 16px;padding: 0px;border:none;width: 194px;overflow: hidden;">
<P class="p53 ft4">ett sådant förhållande som avses i 1 kap. 4 § årsredovisningslagen (1995:1554) eller en grupp av företag enligt definitionen i artiklarna 4, 5, 6 och 7 i kom- missionens delegerade förordning (EU) nr 241/2014 av den 7 januari 2014 om komplettering av Europa- parlamentets och rådets förord- ning (EU) nr 575/2013 med av- seende på tekniska tillsynsstan- darder för kapitalbaskrav på in- stitut<SPAN style="font: italic 9px 'Times New Roman';line-height: 10px;position: relative; bottom: 5px;">4</SPAN>, som är knutna till varandra genom ett sådant förhållande som avses i artikel 10.1 eller artikel 113.6 eller 113.7 i Europa- parlamentets och rådets förordning (EU) nr 575/2013 av den 26 juni 2013 om tillsynskrav för kreditinstitut och värdepappers- företag och om ändring av förordning (EU) nr 648/2012<SPAN style="font: italic 9px 'Times New Roman';line-height: 10px;position: relative; bottom: 5px;">5</SPAN>.</P>
<P class="p932 ft3"><SPAN class="ft4">19</SPAN>. hemland: det land där ett företag har fått tillstånd att driva sådan verksamhet som avses i denna lag,</P>
<P style="text-align: justify;padding-right: 5px;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft4"><SPAN class="ft41">20.</SPAN><SPAN class="ft53">inlösen av transaktions- belopp: en betaltjänst där en be- taltjänstleverantör accepterar och behandlar betalningsmottagarens betalningstransaktioner för att sedan överföra medel till betal- ningsmottagaren,</SPAN></P>
<P style="text-align: justify;padding-right: 5px;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft4"><SPAN class="ft41">21.</SPAN><SPAN class="ft53">kapitalbas: en kapitalbas enligt definitionen i artikel 4.1.118 i förordning (EU) nr 575/2013 där åtminstone 75 procent av primär- kapitalet är i form av kärn- primärkapital enligt artikel 50 i den förordningen och supplemen- tärkapitalet är högst en tredjedel av primärkapitalet,</SPAN></P>
<P style="text-align: justify;margin-top: 5px;margin-bottom: 0px;text-indent: 12px;" class="ft39"><SPAN class="ft41">22.</SPAN><SPAN style="font: italic 12px 'Times New Roman';margin-left: 2px;line-height: 16px;">kontoförvaltande betaltjänst- leverantör: en betaltjänstleverantör som tillhandahåller och förvaltar ett betalkonto,</SPAN></P>
</DIV>
</DIV>
<DIV style="border:none;margin: 35px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P style="text-align: left;padding-left: 162px;margin-top: 0px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">4 </SPAN>EUT L 74 14.3.2014, s. 8 (Celex 32014R0241).</P>
<P style="text-align: right;padding-right: 244px;margin-top: 0px;margin-bottom: 0px;" class="ft75"><SPAN class="ft44">5 </SPAN>EUT L 176, 27.6.2013, s. 1 (Celex 32013R0575).</P>
<P style="text-align: left;padding-left: 36px;margin-top: 0px;margin-bottom: 0px;" class="ft3">494</P>
</DIV>
</DIV>
<DIV id="page_495" style="position:relative; overflow: hidden;margin: 48px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR height=0>
<TD width=59px></TD>
<TD width=24px></TD>
<TD width=20px></TD>
<TD width=20px></TD>
<TD width=36px></TD>
<TD width=38px></TD>
<TD width=35px></TD>
<TD width=34px></TD>
<TD width=18px></TD>
<TD width=8px></TD>
<TD width=24px></TD>
<TD width=12px></TD>
<TD width=27px></TD>
<TD width=9px></TD>
<TD width=10px></TD>
<TD width=20px></TD>
</TR>
<TR>
<TD class="tr2 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr2 td218"><P class="p153 ft41">23. kontoinformationstjänst:</P></TD>
<TD class="tr2 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td13"><P class="p27 ft4">en</P></TD>
</TR>
<TR>
<TD class="tr15 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td107"><P class="p75 ft4">onlinetjänst för</P></TD>
<TD class="tr15 td94"><P class="p70 ft4">att</P></TD>
<TD colspan=5 class="tr15 td91"><P class="p27 ft41">tillhandahålla</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td84"><P class="p75 ft4">sammanställd</P></TD>
<TD colspan=4 class="tr16 td53"><P class="p146 ft4">information</P></TD>
<TD colspan=2 class="tr16 td67"><P class="p27 ft4">om</P></TD>
<TD class="tr16 td13"><P class="p27 ft4">ett</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft4">eller flera betalkonton som betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft4">tjänstanvändaren har hos en eller</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft41">flera andra betaltjänstleverantörer,</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft5"><SPAN class="ft41">16</SPAN>. konsument: en fysisk person</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p153 ft5"><SPAN class="ft41">24</SPAN>. konsument: en fysisk person</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td43"><P class="p3 ft3">som handlar</P></TD>
<TD colspan=4 class="tr15 td71"><P class="p154 ft3">huvudsakligen för</P></TD>
<TD class="tr15 td135"><P class="p75 ft3">som</P></TD>
<TD colspan=2 class="tr15 td80"><P class="p74 ft3">handlar</P></TD>
<TD colspan=6 class="tr15 td137"><P class="p217 ft3">huvudsakligen</P></TD>
<TD class="tr15 td13"><P class="p27 ft3">för</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft6">ändamål</P></TD>
<TD colspan=2 class="tr16 td14"><P class="p71 ft6">som</P></TD>
<TD colspan=3 class="tr16 td76"><P class="p154 ft6">faller utanför</P></TD>
<TD colspan=2 class="tr16 td141"><P class="p75 ft6">ändamål</P></TD>
<TD colspan=2 class="tr16 td105"><P class="p178 ft7">som</P></TD>
<TD colspan=3 class="tr16 td55"><P class="p148 ft6">faller</P></TD>
<TD colspan=3 class="tr16 td177"><P class="p27 ft5">utanför</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td77"><P class="p3 ft6">näringsverksamhet,</P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td143"><P class="p75 ft5">näringsverksamhet,</P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">17</SPAN>. kreditera: att medel tillförs</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p153 ft3"><SPAN class="ft4">25</SPAN>. kreditera: att medel tillförs</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft6">ett konto,</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td141"><P class="p75 ft6">ett konto,</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td389"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td143"><P class="p153 ft4">26. kreditinstitut:</P></TD>
<TD colspan=3 class="tr16 td73"><P class="p41 ft4">banker</P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p27 ft41">och</P></TD>
</TR>
<TR>
<TD class="tr15 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td201"><P class="p75 ft41">kreditmarknadsföretag</P></TD>
<TD colspan=2 class="tr15 td34"><P class="p134 ft41">enligt</P></TD>
<TD colspan=2 class="tr15 td92"><P class="p27 ft41">lagen</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td141"><P class="p75 ft41">(2004:297)</P></TD>
<TD colspan=2 class="tr16 td105"><P class="p291 ft4">om</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p71 ft4">bank-</P></TD>
<TD class="tr16 td126"><P style="text-align: center;padding-left: 5px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">och</P></TD>
<TD colspan=3 class="tr16 td177"><P class="p27 ft4">finan-</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td107"><P class="p75 ft4">sieringsrörelse,</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">18</SPAN>. kvalificerat innehav: det-</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p153 ft3"><SPAN class="ft4">27</SPAN>. kvalificerat innehav: det-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft5">samma som i 1 kap. 5 § 15 lagen</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft5">samma som i 1 kap. 5 § 15 lagen</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft5">om bank- och finansieringsrörelse,</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft7">om bank- och finansieringsrörelse,</P></TD>
</TR>
<TR>
<TD class="tr15 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td84"><P class="p153 ft4">28. känsliga</P></TD>
<TD class="tr15 td389"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td113"><P class="p27 ft4">betalningsuppgif-</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft4">ter: personaliserade behörighets-</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft41">funktioner och andra uppgifter som</P></TD>
</TR>
<TR>
<TD class="tr15 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft41">kan användas för bedrägerier, dock</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p75 ft4">inte</P></TD>
<TD colspan=8 class="tr16 td97"><P class="p181 ft41">kontoinnehavarens namn</P></TD>
<TD class="tr16 td13"><P class="p27 ft41">och</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td84"><P class="p75 ft4">kontonummer</P></TD>
<TD class="tr16 td389"><P class="p3 ft4">i</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p71 ft41">sådan</P></TD>
<TD colspan=4 class="tr16 td78"><P class="p17 ft4">verksamhet</P></TD>
</TR>
<TR>
<TD class="tr15 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft4">som bedrivs av en leverantör av</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft41">betalningsinitieringstjänster eller en</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td141"><P class="p75 ft4">leverantör</P></TD>
<TD class="tr16 td120"><P class="p70 ft4">av</P></TD>
<TD class="tr16 td389"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td113"><P class="p27 ft41">kontoinformations-</P></TD>
</TR>
<TR>
<TD class="tr15 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td141"><P class="p75 ft4">tjänster,</P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft6"><SPAN class="ft4">19</SPAN>. medel: sedlar och mynt,</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p153 ft6"><SPAN class="ft4">29</SPAN>. medel: sedlar och mynt,</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td77"><P class="p3 ft7">kontotillgodohavanden</P></TD>
<TD class="tr16 td34"><P class="p179 ft7">samt</P></TD>
<TD class="tr16 td142"><P class="p154 ft6">elek-</P></TD>
<TD colspan=6 class="tr16 td201"><P class="p75 ft7">kontotillgodohavanden</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p179 ft7">samt</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p27 ft6">elek-</P></TD>
</TR>
<TR>
<TD class="tr15 td166"><P class="p3 ft3">troniska</P></TD>
<TD colspan=2 class="tr15 td14"><P class="p3 ft3">pengar</P></TD>
<TD colspan=2 class="tr15 td50"><P class="p93 ft3">enligt</P></TD>
<TD class="tr15 td142"><P class="p154 ft7">lagen</P></TD>
<TD colspan=5 class="tr15 td143"><P class="p75 ft3">troniska pengar</P></TD>
<TD colspan=2 class="tr15 td177"><P class="p181 ft3">enligt</P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td92"><P class="p27 ft7">lagen</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td43"><P class="p3 ft6">(2011:755)</P></TD>
<TD class="tr16 td13"><P class="p3 ft6">om</P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td18"><P class="p154 ft7">elektroniska</P></TD>
<TD colspan=2 class="tr16 td141"><P class="p75 ft6">(2011:755)</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td75"><P class="p72 ft6">om</P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td78"><P class="p27 ft7">elektroniska</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft6">pengar,</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td141"><P class="p75 ft6">pengar,</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td389"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">20</SPAN>. penningöverföring: en be-</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p153 ft3"><SPAN class="ft4">30</SPAN>. penningöverföring: en be-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft7">taltjänst där medel tas emot från en</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft7">taltjänst där medel tas emot från en</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft5">betalare, utan att något betalkonto</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft5">betalare, utan att något betalkonto</P></TD>
</TR>
<TR>
<TD class="tr15 td166"><P class="p3 ft3">öppnas</P></TD>
<TD class="tr15 td94"><P class="p146 ft3">i</P></TD>
<TD colspan=3 class="tr15 td57"><P class="p71 ft3">betalarens</P></TD>
<TD class="tr15 td142"><P class="p154 ft3">eller</P></TD>
<TD colspan=2 class="tr15 td141"><P class="p75 ft3">öppnas</P></TD>
<TD class="tr15 td120"><P class="p3 ft3">i</P></TD>
<TD class="tr15 td389"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td55"><P class="p154 ft7">betalarens</P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td92"><P class="p27 ft3">eller</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td77"><P class="p3 ft7">betalningsmottagarens</P></TD>
<TD class="tr16 td34"><P class="p178 ft7">namn,</P></TD>
<TD class="tr16 td142"><P class="p181 ft6">ute-</P></TD>
<TD colspan=6 class="tr16 td201"><P class="p75 ft7">betalningsmottagarens</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p146 ft7">namn,</P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p17 ft7">ute-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft6">slutande i syfte att överföra mot-</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft6">slutande i syfte att överföra</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft5">svarande belopp till en mottagare</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft3">motsvarande belopp till en mot-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft7">eller en annan betaltjänstleverantör</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft6">tagare eller en annan betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft7">som agerar på mottagarens vägnar,</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft6">leverantör som agerar på mot-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p154 ft7">eller där dessa medel tas emot på</P></TD>
<TD colspan=10 class="tr15 td102"><P class="p75 ft3">tagarens vägnar, eller där dessa</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p154 ft5">mottagarens vägnar och ställs till</P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft6">medel tas emot på mottagarens</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td117"><P class="p3 ft6">mottagarens förfogande,</P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td102"><P class="p75 ft5">vägnar och ställs till mottagarens</P></TD>
</TR>
<TR>
<TD class="tr15 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td84"><P class="p75 ft3">förfogande,</P></TD>
<TD class="tr15 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td201"><P class="p153 ft4">31. personaliserade</P></TD>
<TD colspan=4 class="tr16 td78"><P class="p27 ft41">behörighets-</P></TD>
</TR>
<TR>
<TD class="tr16 td166"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td141"><P class="p75 ft4">funktioner:</P></TD>
<TD colspan=4 class="tr16 td149"><P class="p74 ft4">personligt</P></TD>
<TD colspan=4 class="tr16 td78"><P class="p27 ft4">anpassade</P></TD>
</TR>
<TR>
<TD class="tr15 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td141"><P class="p75 ft4">funktioner</P></TD>
<TD colspan=2 class="tr15 td105"><P class="p202 ft4">som</P></TD>
<TD colspan=6 class="tr15 td113"><P class="p27 ft41">betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr28 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p75 ft41">tören</P></TD>
<TD colspan=5 class="tr28 td110"><P class="p73 ft41">tillhandahåller</P></TD>
<TD colspan=4 class="tr28 td78"><P class="p27 ft4">betaltjänst-</P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p1112 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">495</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_496" style="position:relative; overflow: hidden;margin: 49px 0px 78px 36px;padding: 0px;border: none;width: 525px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 316px;overflow: hidden;">
<P style="text-align: left;padding-left: 13px;padding-right: 205px;margin-top: 0px;margin-bottom: 0px;" class="ft59">Prop. 2017/18:77 Bilaga 3</P>
<P style="text-align: justify;padding-left: 126px;padding-right: 1px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft6"><SPAN class="ft4">21</SPAN>. ramavtal: ett avtal om be- taltjänster som reglerar genom- förandet av kommande enskilda och successiva betalningstrans- aktioner och som kan innehålla skyldigheter och villkor för att öppna ett betalkonto,</P>
<P class="p726 ft5"><SPAN class="ft41">22</SPAN>. referensväxelkurs: den växel- kurs som ligger till grund för beräkningen av eventuell valuta- växling och görs tillgänglig av betaltjänstleverantören eller härrör från en offentligt tillgänglig källa,</P>
<P style="text-align: justify;padding-left: 126px;padding-right: 1px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft6"><SPAN class="ft4">23</SPAN>. referensräntesats: den räntesats som ligger till grund för beräkningen av eventuell tillämplig ränta och som härrör från en offentligt tillgänglig källa som kan kontrolleras av båda parterna i ett avtal om betal- tjänster,</P>
<P style="text-align: justify;padding-left: 126px;padding-right: 1px;margin-top: 6px;margin-bottom: 0px;text-indent: 11px;" class="ft3"><SPAN class="ft4">24</SPAN>. registrerad betaltjänstleve- rantör: en betaltjänstleverantör som undantagits från krav på tillstånd enligt 2 kap. 3 §,</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 315px;margin-top: 239px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr22 td269"><P class="p17 ft3"><SPAN class="ft4">25</SPAN>. startkapital: detsamma som i</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td269"><P class="p17 ft6">1 kap. 5 § 18 lagen om bank- och</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td272"><P class="p305 ft6">finansieringsrörelse,</P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td272"><P class="p432 ft3"><SPAN class="ft4">26</SPAN>. unik identifikationskod:</P></TD>
<TD class="tr15 td13"><P class="p17 ft3">en</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td269"><P class="p17 ft6">kombination av bokstäver, siffror</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td269"><P class="p17 ft6">eller symboler som tillhandahållits</P></TD>
</TR>
<TR>
<TD class="tr15 td138"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td31"><P class="p305 ft3">av</P></TD>
<TD class="tr15 td162"><P class="p3 ft3">en</P></TD>
<TD class="tr15 td95"><P class="p3 ft3">betaltjänstleverantör,</P></TD>
<TD class="tr15 td13"><P class="p17 ft5">och</P></TD>
</TR>
<TR>
<TD class="tr28 td138"><P class="p196 ft7">496</P></TD>
<TD class="tr28 td31"><P class="p305 ft7">som</P></TD>
<TD class="tr28 td162"><P class="p41 ft3">en</P></TD>
<TD class="tr28 td95"><P class="p70 ft5">betaltjänstanvändare</P></TD>
<TD class="tr28 td13"><P class="p17 ft5">ska</P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 15px;padding: 0px;border:none;width: 194px;overflow: hidden;">
<P style="text-align: justify;padding-right: 6px;margin-top: 0px;margin-bottom: 0px;" class="ft50">användaren för autentiserings- ändamål,</P>
<P class="p762 ft6"><SPAN class="ft4">32</SPAN>. ramavtal: ett avtal om be- taltjänster som reglerar genom- förandet av kommande enskilda och successiva betalningstrans- aktioner och som kan innehålla skyldigheter och villkor för att öppna ett betalkonto,</P>
<P class="p145 ft6"><SPAN class="ft4">33</SPAN>. referensväxelkurs: den växelkurs som ligger till grund för beräkningen av eventuell valuta- växling och görs tillgänglig av betaltjänstleverantören eller härrör från en offentligt tillgänglig källa,</P>
<P class="p762 ft6"><SPAN class="ft4">34</SPAN>. referensräntesats: den räntesats som ligger till grund för beräkningen av eventuell tillämplig ränta och som härrör från en offentligt tillgänglig källa som kan kontrolleras av båda parterna i ett avtal om betal- tjänster,</P>
<P style="text-align: justify;padding-right: 5px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft3"><SPAN class="ft4">35</SPAN>. registrerad betaltjänstleve- rantör: en betaltjänstleverantör som undantagits från krav på tillstånd enligt 2 kap. 3 §,</P>
<P class="p144 ft41">36. stark kundautentisering: en autentisering som grundas på an- vändning av två eller flera kompo- nenter, kategoriserade som kunskap (något som bara användaren vet), innehav (något som bara an- vändaren har) och unik egenskap (något som användaren är), som är fristående från varandra så att det förhållandet att någon har kommit över en av komponenterna inte äventyrar de andra kom- ponenternas tillförlitlighet, och som är utformade för att skydda autentiseringsuppgifternas sekretess,</P>
<P style="text-align: justify;padding-right: 5px;margin-top: 32px;margin-bottom: 0px;text-indent: 11px;" class="ft3"><SPAN class="ft4">37</SPAN>. startkapital: detsamma som i 1 kap. 5 § 18 lagen om bank- och finansieringsrörelse,</P>
<P class="p208 ft40"><SPAN class="ft39">38</SPAN>. unik identifikationskod: en kombination av bokstäver, siffror eller symboler som tillhandahållits av en betaltjänstleverantör, och som en betaltjänstanvändare ska</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_497" style="position:relative; overflow: hidden;margin: 47px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV style="position:absolute;top:465px;left:205px;width:188px;height:63px;"><SPAN class="ft3">1. består av yrkesmässig, fysisk transport </SPAN><SPAN class="ft4">och hantering </SPAN><SPAN class="ft3">av kontanter </SPAN><SPAN class="ft4">med undantag för upp- räkningsverksamhet,</SPAN></DIV>
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr22 td60"><P class="p3 ft3">uppge för att otvetydigt identifiera</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr22"><P class="p3 ft3">uppge för att otvetydigt identifiera</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">en annan betaltjänstanvändare eller</P></TD>
<TD colspan=2 class="tr15 td158"><P class="p3 ft3">en annan</P></TD>
<TD colspan=3 class="tr15 td146"><P class="p182 ft7">betaltjänstanvändare</P></TD>
<TD class="tr15 td34"><P class="p42 ft7">eller</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">dennes betalkonto,</P></TD>
<TD colspan=3 class="tr16 td198"><P class="p3 ft7">dennes betalkonto,</P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td198"><P class="p90 ft4">39. utgivning</P></TD>
<TD class="tr16 td126"><P class="p3 ft4">av</P></TD>
<TD colspan=2 class="tr16 td79"><P class="p42 ft4">betalnings-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">instrument: en betaltjänst där en</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td64"><P class="p3 ft4">betaltjänstleverantör</P></TD>
<TD colspan=2 class="tr16 td79"><P class="p42 ft4">tillhanda-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">håller betalaren ett betalnings-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">instrument för att initiera och</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td158"><P class="p3 ft4">behandla</P></TD>
<TD colspan=2 class="tr16 td165"><P class="p93 ft4">betalarens</P></TD>
<TD colspan=2 class="tr16 td79"><P class="p42 ft4">betalnings-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td198"><P class="p3 ft4">transaktioner,</P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p90 ft3"><SPAN class="ft4">27</SPAN>. valuteringsdag: den refe-</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft3"><SPAN class="ft4">40</SPAN>. valuteringsdag: den refe-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">renstidpunkt som används av en</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">renstidpunkt som används av en</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">betaltjänstleverantör för att be-</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">betaltjänstleverantör för att be-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">räkna räntan på de medel som</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">räkna räntan på de medel som</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">debiterats eller krediterats ett</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p3 ft7">debiterats</P></TD>
<TD class="tr16 td119"><P class="p31 ft6">eller</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p70 ft6">krediterats</P></TD>
<TD class="tr16 td34"><P class="p42 ft6">ett</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">betalkonto.</P></TD>
<TD colspan=3 class="tr16 td198"><P class="p3 ft6">betalkonto,</P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td198"><P class="p90 ft4">41. överföring</P></TD>
<TD class="tr15 td126"><P style="text-align: center;padding-right: 11px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">av</P></TD>
<TD class="tr15 td177"><P class="p3 ft4">medel:</P></TD>
<TD class="tr15 td34"><P class="p42 ft4">en</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">betaltjänst för kreditering av en</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td64"><P class="p3 ft4">betalningsmottagares</P></TD>
<TD colspan=2 class="tr16 td79"><P class="p42 ft4">betalkonto</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft4">med</P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr15"><P class="p3 ft41">en betalningstransaktion</P></TD>
<TD class="tr15 td34"><P class="p42 ft41">eller</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">en rad betalningstransaktioner från</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">en betalares betalkonto, vilka ut-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft4">förs</P></TD>
<TD class="tr15 td105"><P class="p72 ft4">av</P></TD>
<TD colspan=4 class="tr15 td217"><P class="p42 ft4">en betaltjänstleverantör</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">som har tillgång till betalarens</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">betalkonto på grundval av en in-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 205px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;" class="ft56">struktion som lämnats av betala- ren.</P>
<P style="text-align: left;padding-left: 11px;padding-right: 346px;margin-top: 8px;margin-bottom: 0px;text-indent: 177px;" class="ft3">6 § Denna lag gäller inte tjänster som 1<SPAN class="ft4">. </SPAN>består av yrkesmässig, fysisk</P>
<P class="p821 ft3">transport av kontanter,</P>
<P style="text-align: justify;padding-right: 163px;margin-top: 28px;margin-bottom: 0px;text-indent: 11px;" class="ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">ger möjlighet till uttag av kontanter i samband med inköp av varor eller tjänster,</SPAN></P>
<P class="p79 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft48">består av valutaväxling genom utbyte av kontanter,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD colspan=2 class="tr28 td88"><P class="p90 ft3">4. tillhandahålls</P></TD>
<TD class="tr28 td13"><P class="p181 ft3">av</P></TD>
<TD colspan=2 class="tr28 td106"><P class="p62 ft7">leverantörer</P></TD>
<TD colspan=4 class="tr28 td169"><P class="p181 ft3">4. tillhandahålls av</P></TD>
<TD colspan=2 class="tr28 td121"><P class="p661 ft7">leverantörer</P></TD>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">av tekniska tjänster vilka stödjer</P></TD>
<TD colspan=6 class="tr16 td192"><P class="p3 ft6">av tekniska tjänster vilka stödjer</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td323"><P class="p3 ft6">betaltjänstleverantörens</P></TD>
<TD class="tr16 td125"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td323"><P class="p3 ft6">betaltjänstleverantörens</P></TD>
<TD class="tr16 td137"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">verksamhet med betaltjänster, utan</P></TD>
<TD colspan=6 class="tr15 td192"><P class="p3 ft3">verksamhet med betaltjänster, utan</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft6">att</P></TD>
<TD class="tr16 td18"><P class="p3 ft6">leverantören</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p130 ft6">av</P></TD>
<TD class="tr16 td125"><P class="p62 ft7">tekniska</P></TD>
<TD class="tr16 td92"><P class="p3 ft6">att</P></TD>
<TD colspan=2 class="tr16 td35"><P class="p3 ft6">leverantören</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p3 ft6">av</P></TD>
<TD class="tr16 td137"><P class="p661 ft7">tekniska</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">tjänster vid något tillfälle kommer</P></TD>
<TD colspan=6 class="tr16 td192"><P class="p3 ft6">tjänster vid något tillfälle kommer</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td169"><P class="p3 ft3">i besittning av medel<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td192"><P class="p3 ft3">i besittning av medel<SPAN class="ft4">, och med</SPAN></P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td149"><P class="p3 ft4">undantag</P></TD>
<TD class="tr16 td80"><P class="p31 ft4">för</P></TD>
<TD colspan=3 class="tr16 td86"><P class="p661 ft41">betalningsini-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td18"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td71"><P class="p3 ft4">tieringstjänster och</P></TD>
<TD colspan=3 class="tr16 td86"><P class="p661 ft41">kontoinforma-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td18"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td71"><P class="p3 ft4">tionstjänster,</P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td137"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p62 ft7">5. baseras på betalningsinstrument</P></TD>
<TD colspan=6 class="tr16 td192"><P class="p661 ft7">5. baseras på betalningsinstrument</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">som enbart kan utnyttjas inom ett</P></TD>
<TD colspan=6 class="tr16 td192"><P class="p3 ft6">som enbart kan utnyttjas inom ett</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">begränsat nätverk av leverantörer,</P></TD>
<TD colspan=6 class="tr15 td192"><P class="p3 ft3">begränsat nätverk av leverantörer,</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td92"><P class="p3 ft3">hos</P></TD>
<TD colspan=2 class="tr28 td76"><P class="p181 ft3">en leverantör</P></TD>
<TD class="tr28 td13"><P class="p75 ft3">i</P></TD>
<TD class="tr28 td125"><P class="p62 ft3">dennes</P></TD>
<TD class="tr28 td92"><P class="p3 ft3">hos</P></TD>
<TD class="tr28 td75"><P class="p71 ft3">en</P></TD>
<TD colspan=2 class="tr28 td149"><P class="p181 ft5">leverantör</P></TD>
<TD class="tr28 td13"><P class="p75 ft3">i</P></TD>
<TD class="tr28 td137"><P class="p661 ft3">dennes</P></TD>
<TD class="tr28 td78"><P class="p17 ft3">497</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_498" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 561px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">498</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 190px;overflow: hidden;">
<P class="p729 ft3">affärsställe eller i fråga om ett begränsat varu- eller tjänsteutbud, <SPAN class="ft4">eller</SPAN></P>
<P style="text-align: justify;margin-top: 149px;margin-bottom: 0px;text-indent: 11px;" class="ft40"><SPAN class="ft39">6</SPAN>. består av uttag av kontanter med hjälp av uttagsautomater, om den som tillhandahåller tjänsten</P>
<P style="text-align: justify;padding-right: 1px;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft6"><SPAN class="ft7">a)</SPAN><SPAN class="ft33">agerar för en eller flera kortutfärdares räkning,</SPAN></P>
<P style="text-align: justify;padding-right: 1px;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft6"><SPAN class="ft6">b)</SPAN><SPAN class="ft33">inte är part i ramavtalet med den kund som tar ut medel från ett betalkonto, </SPAN><SPAN class="ft4">och</SPAN></P>
<P style="text-align: justify;margin-top: 2px;margin-bottom: 0px;text-indent: 12px;" class="ft124"><SPAN class="ft5">c)</SPAN><SPAN style="font: 11px 'Arial';margin-left: 3px;line-height: 17px;">inte tillhandahåller sådana andra betaltjänster som anges i 2 §.</SPAN></P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 15px;padding: 0px;border:none;width: 194px;overflow: hidden;">
<P class="p302 ft3">affärsställe eller i fråga om ett <SPAN class="ft4">mycket </SPAN>begränsat varu- eller tjänsteutbud,</P>
<P class="p762 ft4">6. baseras på betalningsinstru- ment som tillhandahålls av ett företag eller en myndighet för in- köp av en viss vara eller tjänst från en leverantör som har ingått ett avtal om detta med utgivaren av instrumentet och som utges med stöd av offentligrättslig reglering samt endast är giltigt i Sverige, eller</P>
<P class="p208 ft40"><SPAN class="ft39">7</SPAN>. består av uttag av kontanter med hjälp av uttagsautomater, om den som tillhandahåller tjänsten</P>
<P style="text-align: justify;padding-right: 5px;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft6"><SPAN class="ft7">a)</SPAN><SPAN class="ft33">agerar för en eller flera kortutfärdares räkning,</SPAN></P>
<P style="text-align: justify;padding-right: 6px;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft6"><SPAN class="ft6">b)</SPAN><SPAN class="ft33">inte är part i ramavtalet med den kund som tar ut medel från ett betalkonto,</SPAN></P>
<P style="text-align: justify;padding-right: 5px;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft3"><SPAN class="ft5">c)</SPAN><SPAN class="ft32">inte tillhandahåller sådana andra betaltjänster som anges i 2 §, </SPAN><SPAN class="ft4">och</SPAN></P>
<P style="text-align: justify;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft4"><SPAN class="ft41">d)</SPAN><SPAN style="font: italic 13px 'Times New Roman';margin-left: 2px;line-height: 15px;">informerar kunden om even- tuella uttagsutgifter innan uttaget görs och då kontanterna lämnas ut.</SPAN></P>
<P class="p762 ft4">Med undantag från vad som föreskrivs i första stycket ska 5 kap. <NOBR>51–57</NOBR> §§ gälla för de tjänster som avses i första stycket 5 och 6.</P>
<P class="p762 ft4">Den som bedriver sådan verk- samhet som avses i första stycket 5 och för vilken det sammanlagda värdet av de betalningstrans- aktioner som genomförts under de senaste tolv månaderna överstiger ett belopp motsvarande 1 miljon euro ska anmäla detta till Finans- inspektionen. Inspektionen ska där- efter meddela beslut om undan- taget i första stycket 5 är tillämp- ligt för verksamheten<SPAN class="ft3">.</SPAN></P>
<P style="text-align: justify;padding-right: 5px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Finansinspektionen ska föra in en beskrivning av de verksamheter som har anmälts enligt tredje stycket i det register som inspek- tionen ska föra enligt 8 kap. 5 §. Inspektionen ska underrätta Euro- peiska bankmyndigheten om en verksamhet som har anmälts enligt</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_499" style="position:relative; overflow: hidden;margin: 49px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<P style="text-align: left;padding-left: 273px;padding-right: 57px;margin-top: 0px;margin-bottom: 0px;" class="ft4">andra stycket, och om huruvida <SPAN class="ft3">Prop. 2017/18:77 </SPAN>inspektionen har beslutat att <SPAN class="ft3">Bilaga 3 </SPAN>undantaget i första stycket 5 är</P>
<P style="text-align: left;padding-left: 273px;margin-top: 2px;margin-bottom: 0px;" class="ft4">tillämpligt på verksamheten.</P>
<P style="text-align: left;padding-left: 254px;margin-top: 13px;margin-bottom: 0px;" class="ft3">7 §<SPAN class="ft43">6</SPAN></P>
<P class="p13 ft3">Denna lag gäller inte betalningstransaktioner som</P>
<P class="p12 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">sker med pappersbaserade instrument som checkar, växlar, kuponger, resecheckar, postanvisningar eller utbetalningsavier,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">består av icke yrkesmässig insamling och leverans av kontanter inom ramen för ideell verksamhet eller välgörenhet,</SPAN></P>
<P class="p12 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft48">genomförs mellan deltagare i ett system för avveckling av betalningar eller värdepapper,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft51">genomförs mellan betaltjänstleverantörer, deras ombud eller filialer för egen räkning,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft51">uteslutande sker i kontanter direkt från betalaren till betal- ningsmottagaren, utan medverkan av någon mellanhand,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t24">
<TR>
<TD colspan=2 class="tr28 td171"><P class="p90 ft3">6. sker från betalaren</P></TD>
<TD class="tr28 td70"><P class="p3 ft3">till</P></TD>
<TD class="tr28 td74"><P class="p62 ft7">be-</P></TD>
<TD class="tr28 td43"><P class="p90 ft3">6. sker från</P></TD>
<TD colspan=2 class="tr28 td55"><P class="p70 ft3">betalaren</P></TD>
<TD class="tr28 td70"><P class="p3 ft3">till</P></TD>
<TD class="tr28 td11"><P class="p17 ft7">be-</P></TD>
</TR>
<TR>
<TD class="tr16 td139"><P class="p3 ft6">talningsmottagaren</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p74 ft6">genom</P></TD>
<TD class="tr16 td74"><P class="p62 ft6">en</P></TD>
<TD colspan=2 class="tr16 td118"><P class="p3 ft6">talningsmottagaren</P></TD>
<TD colspan=2 class="tr16 td166"><P class="p93 ft6">genom</P></TD>
<TD class="tr16 td11"><P class="p17 ft6">en</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td131"><P class="p3 ft3">handelskommissionär <SPAN class="ft4">eller,</SPAN></P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td171"><P class="p3 ft3">handelskommissionär,</P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft6">7. avser förvaltning, inlösen eller</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft6">7. avser förvaltning, inlösen eller</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft6">försäljning av finansiella in-</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft6">försäljning av finansiella in-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p62 ft3">strument, vilka genomförs av de</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p17 ft3">strument, vilka genomförs av de</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft7">personer som deltar i ett system för</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft7">personer som deltar i ett system för</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft6">avveckling enligt 3 samt av</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft6">avveckling enligt 3 samt av</P></TD>
</TR>
<TR>
<TD class="tr15 td139"><P class="p3 ft7">värdepappersföretag,</P></TD>
<TD colspan=3 class="tr15 td137"><P class="p62 ft5">kreditinstitut,</P></TD>
<TD colspan=2 class="tr15 td118"><P class="p3 ft7">värdepappersföretag,</P></TD>
<TD colspan=3 class="tr15 td57"><P class="p17 ft3">kreditinstitut,</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft5">fondbolag, förvaltningsbolag, AIF-</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft5">fondbolag, förvaltningsbolag, AIF-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft7">förvaltare, i fråga om specialfonder,</P></TD>
<TD class="tr16 td43"><P class="p3 ft6">förvaltare,</P></TD>
<TD class="tr16 td68"><P class="p3 ft6">i</P></TD>
<TD class="tr16 td74"><P class="p72 ft6">fråga</P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p17 ft7">om</P></TD>
</TR>
<TR>
<TD class="tr15 td139"><P class="p3 ft3">som</P></TD>
<TD colspan=3 class="tr15 td137"><P class="p21 ft7">tillhandahåller</P></TD>
<TD class="tr15 td43"><P class="p3 ft3">specialfonder,</P></TD>
<TD class="tr15 td68"><P class="p1 ft3">som</P></TD>
<TD colspan=3 class="tr15 td57"><P class="p17 ft7">tillhandahåller</P></TD>
</TR>
<TR>
<TD class="tr16 td139"><P class="p3 ft6">investeringstjänster</P></TD>
<TD class="tr16 td164"><P class="p71 ft7">samt</P></TD>
<TD colspan=2 class="tr16 td166"><P class="p62 ft6">andra</P></TD>
<TD colspan=2 class="tr16 td118"><P class="p3 ft6">investeringstjänster</P></TD>
<TD class="tr16 td74"><P class="p74 ft5">samt</P></TD>
<TD colspan=2 class="tr16 td65"><P class="p17 ft6">andra</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft6">företag som har tillstånd att för-</P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft6">företag som har tillstånd att för-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td171"><P class="p3 ft7">vara finansiella instrument,</P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td61"><P class="p3 ft3">vara finansiella instrument, <SPAN class="ft4">eller</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td139"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td43"><P class="p90 ft4">8. genomförs</P></TD>
<TD class="tr16 td68"><P class="p70 ft4">via</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p17 ft4">en leverantör</P></TD>
</TR>
<TR>
<TD class="tr16 td139"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft41">av elektroniska kommunikationsnät</P></TD>
</TR>
<TR>
<TD class="tr16 td139"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td61"><P class="p17 ft41">eller elektroniska kommunikations-</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 273px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;" class="ft4">tjänster vilken endast fungerar som mellanhand</P>
<P class="p397 ft4"><SPAN class="ft41">a)</SPAN><SPAN class="ft52">för inköp av digitalt innehåll och röstbaserade tjänster, oavsett vilken anordning som används för inköp eller konsumtion av det digitala innehållet och som faktureras på leverantörens faktura, eller</SPAN></P>
<P style="text-align: justify;padding-left: 273px;padding-right: 163px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft50"><SPAN class="ft41">b)</SPAN><SPAN class="ft67">vilka genomförs från eller via elektronisk utrustning för välgörenhetsändamål eller för in-</SPAN></P>
<P style="text-align: left;padding-left: 68px;margin-top: 29px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">6 </SPAN>Senaste lydelse 2013:582.</P>
<P class="p14 ft3">499</P>
</DIV>
<DIV id="page_500" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 49px;padding: 0px;border:none;width: 575px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 113px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 3</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 64px;margin-top: 0px;margin-bottom: 0px;" class="ft50">köp av biljetter och som faktureras på leverantörens faktura,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft41">under förutsättning att värdet på den enskilda betalningstransaktion som avses i leden a och b inte överstiger 50 EUR och betalnings- transaktionernas sammanlagda värde för en abonnent inte överstiger 300 EUR per månad.</P>
<P class="p985 ft3">Denna lag gäller inte heller transaktioner som genomförs mellan ett moderföretag och dess dotterföretag eller mellan dotterföretag till ett och samma moderföretag, utom när en annan betaltjänstleverantör än ett företag i samma grupp medverkar som mellanhand.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Den som bedriver sådan verk- samhet som avses i första stycket 8 ska anmäla detta till Finans- inspektionen.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Finansinspektionen ska föra in en beskrivning av en verksamhet som har anmälts enligt tredje stycket i det register som inspektionen ska föra enligt 8 kap. 5 §. Inspektionen ska underrätta Europeiska bank- myndigheten om en verksamhet som har anmälts enligt tredje stycket, och inom ramen för vilket undantag denna verksamhet bedrivs.</P>
<P style="text-align: left;padding-left: 180px;margin-top: 16px;margin-bottom: 0px;" class="ft42">2 kap.</P>
<P style="text-align: left;padding-left: 12px;padding-right: 226px;margin-top: 0px;margin-bottom: 0px;text-indent: 175px;" class="ft40">2 §<SPAN class="ft38">7 </SPAN>Tillstånd enligt denna lag behövs inte för</P>
<P class="p462 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">banker och kreditmarknadsföretag enligt lagen (2004:297) om bank- och finansieringsrörelse,</SPAN></P>
<P class="p1084 ft40"><SPAN class="ft5">2.</SPAN><SPAN class="ft73">institut för elektroniska pengar och de företag som har undantagits från tillståndsplikt enligt lagen (2011:755) om elektroniska pengar,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft33">statliga och kommunala myndigheter, när de inte ägnar sig åt myndighetsutövning,</SPAN></P>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 190px;overflow: hidden;">
<P class="p145 ft64">4. utländska fysiska och juri- diska personer samt myndigheter inom EES, motsvarande dem i <NOBR>1–3</NOBR> med undantag av sådana fysiska eller juridiska personer som har undantagits från tillståndsplikt enligt nationella bestämmelser som genomför Europaparlamentets och rådets direktiv <SPAN class="ft63">2007/64/EG</SPAN>,</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 15px;padding: 0px;border:none;width: 194px;overflow: hidden;">
<P class="p145 ft64">4. utländska fysiska och juri- diska personer samt myndigheter inom EES, motsvarande dem i <NOBR>1–3</NOBR> med undantag av sådana fysiska eller juridiska personer som har undantagits från tillståndsplikt enligt nationella bestämmelser som genomför Europaparlamentets och rådets direktiv <SPAN class="ft63">2015/2366/EG</SPAN>,</P>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV style="border:none;margin: 26px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P class="p439 ft7"><SPAN class="ft44">7 </SPAN>Senaste lydelse 2011:775.</P>
<P style="text-align: left;padding-left: 36px;margin-top: 0px;margin-bottom: 0px;" class="ft3">500</P>
</DIV>
</DIV>
<DIV id="page_501" style="position:relative; overflow: hidden;margin: 47px 0px 77px 68px;padding: 0px;border: none;width: 556px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;font: 13px 'Arial';">
<TR>
<TD colspan=9 class="tr22 td329"><P class="p42 ft5">5. Europeiska centralbanken och nationella centralbanker i andra EES-</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr15 td329"><P class="p42 ft3">länder, när de inte agerar i egenskap av monetär eller offentlig</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD class="tr16 td149"><P class="p3 ft5">myndighet,</P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td149"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p62 ft5">6. Europeiska centralbanken och</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft5">6. Europeiska centralbanken och</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td149"><P class="p3 ft3">nationella</P></TD>
<TD colspan=2 class="tr15 td116"><P class="p3 ft3">centralbanker i</P></TD>
<TD class="tr15 td82"><P class="p62 ft7">andra</P></TD>
<TD class="tr15 td149"><P class="p3 ft3">nationella</P></TD>
<TD colspan=2 class="tr15 td57"><P class="p3 ft5">centralbanker</P></TD>
<TD class="tr15 td33"><P class="p202 ft3">i</P></TD>
<TD class="tr15 td65"><P class="p42 ft7">andra</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6"><NOBR>EES-länder,</NOBR> när de inte agerar i</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6"><NOBR>EES-länder,</NOBR> när de inte agerar i</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td149"><P class="p3 ft6">egenskap</P></TD>
<TD class="tr16 td164"><P class="p41 ft6">av</P></TD>
<TD class="tr16 td78"><P class="p75 ft6">monetär</P></TD>
<TD class="tr16 td82"><P class="p62 ft6">eller</P></TD>
<TD class="tr16 td149"><P class="p3 ft6">egenskap</P></TD>
<TD class="tr16 td92"><P class="p41 ft6">av</P></TD>
<TD colspan=2 class="tr16 td98"><P class="p93 ft6">monetär</P></TD>
<TD class="tr16 td65"><P class="p42 ft6">eller</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td117"><P class="p3 ft3">offentlig myndighet <SPAN class="ft4">och</SPAN>,</P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td152"><P class="p3 ft3">offentlig myndighet,</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td149"><P class="p90 ft6">7. filialer</P></TD>
<TD class="tr16 td164"><P class="p74 ft6">till</P></TD>
<TD class="tr16 td78"><P class="p3 ft5">kreditinstitut</P></TD>
<TD class="tr16 td82"><P class="p62 ft6">från</P></TD>
<TD class="tr16 td149"><P class="p90 ft6">7. filialer</P></TD>
<TD class="tr16 td92"><P class="p74 ft6">till</P></TD>
<TD colspan=2 class="tr16 td98"><P class="p3 ft5">kreditinstitut</P></TD>
<TD class="tr16 td65"><P class="p42 ft6">från</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td117"><P class="p3 ft6">länder utanför EES.</P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td152"><P class="p3 ft6">länder utanför EES, <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td149"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td149"><P class="p90 ft4">8. filialer</P></TD>
<TD class="tr15 td92"><P class="p41 ft4">till</P></TD>
<TD class="tr15 td82"><P class="p1 ft4">institut</P></TD>
<TD class="tr15 td33"><P class="p134 ft4">för</P></TD>
<TD class="tr15 td65"><P class="p42 ft4">elek-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td149"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft41">troniska pengar som är etablerade</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td149"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td78"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td82"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td152"><P class="p3 ft4">i länder utanför EES.</P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p348 ft3">3 §</P>
<P class="p408 ft3">En fysisk eller juridisk person får ansöka hos Finansinspektionen om att undantas från tillståndsplikt enligt 1 §. Inspektionen ska besluta om ett sådant undantag om</P>
<P class="p408 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">genomsnittet av de totala betalningstransaktionerna under de senaste 12 månaderna inte överstiger ett belopp motsvarande 3 miljoner euro per månad,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">den som ska ingå i ett bolags eller en förenings styrelse, vara verkställande direktör eller ansvarig för betaltjänstverksamheten inte har dömts för brott som rör penningtvätt, finansiering av terrorism eller annan ekonomisk brottslighet,</SPAN></P>
<P class="p408 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft48">det finns skäl att anta att den planerade verksamheten kommer att drivas enligt tillämpliga delar av denna lag och andra författningar som reglerar verksamheten,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft51">det för juridiska personer finns skäl att anta att den som har ett kvalificerat innehav i företaget är lämplig att utöva ett väsentligt inflytande över ledningen av företaget, och</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft51">den som ska ingå i ett företags styrelse, vara verkställande direktör, ansvarig för betaltjänstverksamheten eller vara ersättare för någon av dem, har tillräcklig insikt och erfarenhet för att delta i ledningen av företaget eller ansvara för betaltjänstverksamheten och även i övrigt är lämplig för en sådan uppgift.</SPAN></P>
<P class="p533 ft3">Vid bedömningen av om villkoret enligt första stycket 1 är uppfyllt, ska hänsyn även tas till de förväntade totala betalningstransaktionerna i företagets affärsplan.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 300px;margin-left: 205px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr15 td192"><P class="p661 ft4">Den som tillhandahåller betal-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td192"><P class="p661 ft41">ningsinitieringstjänster får inte un-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td192"><P class="p661 ft4">dantas från tillståndsplikt enligt</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td192"><P style="text-align: right;padding-right: 214px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">1 §.</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td192"><P class="p661 ft4">Den som tillhandahåller konto-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td192"><P class="p661 ft4">informationstjänster ska undantas</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td192"><P class="p661 ft4">från tillståndsplikt enligt 1 § om</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td192"><P class="p661 ft4">första stycket 2, 3 och 5 är upp-</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td192"><P class="p661 ft4">fyllda samt om företaget har en</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td192"><P class="p661 ft4">ansvarsförsäkring som täcker det</P></TD>
<TD class="tr16 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td192"><P class="p661 ft4">geografiska område inom vilket</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td192"><P class="p661 ft4">företaget bedriver sin verksamhet</P></TD>
<TD class="tr20 td78"><P class="p17 ft3">501</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_502" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">502</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft50">eller en garanti eller liknande ut- fästelse som täcker den skade- ståndsskyldighet som kan upp- komma till följd av verksamheten.</P>
<P style="text-align: left;padding-left: 189px;margin-top: 10px;margin-bottom: 0px;" class="ft3">4 §</P>
<P class="p606 ft3">Finansinspektionen ska registrera dem som har beviljats undantag</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr20 td60"><P class="p3 ft3">enligt 3 §.</P></TD>
<TD class="tr20 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p31 ft6">En registrerad betaltjänstleve-</P></TD>
<TD class="tr16 td72"><P class="p17 ft6">En registrerad betaltjänstleve-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">rantör ska underrätta Finans-</P></TD>
<TD class="tr16 td72"><P class="p17 ft6">rantör ska underrätta Finans-</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">inspektionen om sådana föränd-</P></TD>
<TD class="tr15 td72"><P class="p17 ft3">inspektionen om sådana föränd-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">ringar som påverkar dess möjlighet</P></TD>
<TD class="tr16 td72"><P class="p17 ft7">ringar som påverkar dess möjlighet</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">att uppfylla villkoren för undantag</P></TD>
<TD class="tr16 td72"><P class="p17 ft6">att uppfylla villkoren för undantag</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">enligt 3 §<SPAN class="ft4">.</SPAN></P></TD>
<TD class="tr15 td72"><P class="p27 ft4"><SPAN class="ft3">enligt 3 § </SPAN>samt vid ändring i fråga</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td72"><P class="p17 ft4">om någon av de personer som</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td72"><P class="p241 ft41">anges i 3 § första stycket 4 och 5.</P></TD>
</TR>
</TABLE>
<P class="p606 ft3">Bestämmelser om register finns i 8 kap. 5 §.</P>
<P style="text-align: left;padding-left: 189px;margin-top: 12px;margin-bottom: 0px;" class="ft3">6 §</P>
<P class="p606 ft3">Tillstånd att tillhandahålla betaltjänster ska ges, om</P>
<P class="p462 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">bolagsordningen eller stadgarna inte strider mot denna lag eller någon annan författning,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">det finns skäl att anta att den planerade verksamheten kommer att drivas</SPAN></P>
<P class="p213 ft6">a. med tillräckliga styr- och kontrollformer för verksamheten med betaltjänster, och</P>
<P class="p213 ft3">b. i enlighet med denna lag och andra författningar som reglerar företagets verksamhet,</P>
<P class="p462 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft33">det finns skäl att anta att den som har ett kvalificerat innehav i företaget är lämplig att utöva ett väsentligt inflytande över ledningen av företaget,</SPAN></P>
<P class="p1084 ft5"><SPAN class="ft5">4.</SPAN><SPAN class="ft147">den som ska ingå i företagets styrelse, vara verkställande direktör eller vara ersättare för någon av dem, är lämplig för en sådan uppgift, och</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft33">den som är ansvarig för betaltjänstverksamheten eller ersättare för denna person är lämplig för en sådan uppgift och har tillräcklig insikt och erfarenhet.</SPAN></P>
<P class="p463 ft5">I fråga om europabolag och europakooperativ som har ett sådant förvaltningssystem som avses i artiklarna <NOBR>39–42</NOBR> i rådets förordning (EG) nr 2157/2001 av den 8 oktober 2001 om stadga för europabolag(2) eller artiklarna <NOBR>37–41</NOBR> i rådets förordning (EG) nr 1435/2003 av den 22 juli 2003 om stadga för europeiska kooperativa föreningar <NOBR>(SCE-föreningar)</NOBR> ska bestämmelserna som avser styrelsen i första stycket 4 om lämplighetsprövning tillämpas på tillsynsorganet.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Tillstånd att tillhandahålla betal- ningsinitieringstjänster får endast ges om företaget har en ansvars- försäkring som täcker det geogra- fiska område inom vilket företaget bedriver sin verksamhet, eller en garanti eller liknande utfästelse som täcker den skadeståndsskyl-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_503" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td23"><P class="p3 ft4">dighet</P></TD>
<TD colspan=2 class="tr22 td75"><P class="p74 ft4">som</P></TD>
<TD class="tr22 td126"><P class="p803 ft41">kan</P></TD>
<TD colspan=3 class="tr22 td208"><P class="p93 ft4">uppkomma</P></TD>
<TD class="tr22 td135"><P class="p42 ft4">till</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr20 td179"><P class="p3 ft4">följd av verksamheten.</P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td91"><P class="p25 ft42">3 kap.</P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td91"><P style="text-align: right;padding-right: 35px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">2 §<SPAN class="ft43">8</SPAN></P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p90 ft6">Ett</P></TD>
<TD colspan=4 class="tr16 td88"><P class="p3 ft6">betalningsinstitut</P></TD>
<TD class="tr16 td27"><P class="p3 ft6">ska</P></TD>
<TD class="tr16 td81"><P class="p62 ft6">vid</P></TD>
<TD class="tr16 td23"><P class="p90 ft6">Ett</P></TD>
<TD colspan=5 class="tr16 td271"><P style="text-align: center;padding-right: 11px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">betalningsinstitut</P></TD>
<TD class="tr16 td94"><P class="p3 ft6">ska</P></TD>
<TD class="tr16 td135"><P class="p42 ft6">vid</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">varje tidpunkt ha en kapitalbas</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">varje tidpunkt ha en kapitalbas</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">som motsvarar minst startkapitalet</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft7">som motsvarar minst startkapitalet</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft6">enligt</P></TD>
<TD class="tr16 td68"><P class="p154 ft6">1 §</P></TD>
<TD class="tr16 td68"><P class="p146 ft6">eller</P></TD>
<TD class="tr16 td75"><P class="p202 ft5">ett</P></TD>
<TD colspan=3 class="tr16 td31"><P class="p62 ft5">kapitalkrav</P></TD>
<TD class="tr16 td23"><P class="p3 ft6">enligt</P></TD>
<TD class="tr16 td94"><P class="p198 ft6">1 §</P></TD>
<TD class="tr16 td389"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft6">eller</P></TD>
<TD class="tr16 td75"><P class="p75 ft6">ett</P></TD>
<TD colspan=3 class="tr16 td138"><P class="p42 ft5">kapitalkrav</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td110"><P class="p3 ft6">beräknat enligt</P></TD>
<TD class="tr16 td75"><P class="p242 ft6">3</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p1 ft6">eller</P></TD>
<TD class="tr16 td81"><P class="p62 ft6">4 §.</P></TD>
<TD colspan=2 class="tr16 td125"><P class="p3 ft6">beräknat</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p3 ft6">enligt</P></TD>
<TD class="tr16 td75"><P class="p242 ft6">3</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p1 ft6">eller</P></TD>
<TD class="tr16 td135"><P class="p42 ft6">4 §.</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">Betalningsinstitutets kapitalbas får</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft7">Betalningsinstitutets kapitalbas får</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">inte underskrida det högsta av</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">inte underskrida det högsta av</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td110"><P class="p3 ft7">dessa två belopp.</P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">dessa två belopp. <SPAN class="ft4">Ett betal-</SPAN></P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft4">ningsinstitut som bara tillhanda-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft4">håller</P></TD>
<TD colspan=7 class="tr16 td30"><P class="p42 ft41">betalningsinitieringstjänster</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft4">ska ha en kapitalbas som motsva-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">rar minst startkapitalet enligt 1 §<SPAN class="ft3">.</SPAN></P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft4">Vid beräkningen av kapitalbasen</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td125"><P class="p3 ft4">tillämpas</P></TD>
<TD colspan=3 class="tr16 td98"><P class="p72 ft4">förordning</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p41 ft4">(EU)</P></TD>
<TD class="tr16 td135"><P class="p42 ft4">nr</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td125"><P class="p3 ft4">575/2013.</P></TD>
<TD class="tr15 td389"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td48"><P class="p42 ft4">Kapitalbasens sam-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft41">mansättning ska utgöras av ett pri-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p308 ft41">märkapital där minst 75 procent är</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p308 ft4">kärnprimärkapital och ett supple-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft4">mentärkapital som är högst en</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td191"><P class="p3 ft4">tredjedel av primärkapitalet.</P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=15 class="tr15 td329"><P class="p42 ft3">Ett betalningsinstitut som tillhör samma grupp som ett annat</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=15 class="tr16 td329"><P class="p42 ft6">betalningsinstitut, eller ett kreditinstitut, ett värdepappersföretag, ett</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=15 class="tr16 td329"><P class="p42 ft6">fondbolag, ett försäkringsföretag, en <NOBR>AIF-förvaltare</NOBR> som förvaltar</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=15 class="tr15 td329"><P class="p42 ft3">specialfonder eller ett institut för elektroniska pengar får inte vid</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=15 class="tr16 td329"><P class="p42 ft7">beräkning av kapitalbasen ta med sådana poster som ingår i beräkningen</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft7">av något av dessa företags kapitalbas.</P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td389"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=15 class="tr15 td329"><P class="p42 ft5">Ett betalningsinstitut som driver annan verksamhet i enlighet med 5 §</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=15 class="tr16 td329"><P class="p42 ft7">får inte vid beräkningen av kapitalbasen ta med sådana poster som ingår i</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=11 style="padding: 0px;margin: 0px;width: 301px;vertical-align: bottom;" class="tr16"><P class="p3 ft7">beräkningen av kapitalbasen i sådan annan verksamhet.</P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=15 class="tr15 td329"><P class="p42 ft3">För ett betalningsinstitut som har bytt redovisningsvaluta gäller att</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=15 class="tr16 td329"><P class="p42 ft5">kapitalbasen inte får understiga det högsta av de belopp som följer av 6</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=15 class="tr16 td329"><P class="p42 ft6">och 7 §§ lagen (2000:35) om byte av redovisningsvaluta i finansiella</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td98"><P class="p3 ft3">företag.</P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td81"><P class="p17 ft3">5 §</P></TD>
<TD class="tr29 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p90 ft3">Utöver att tillhandahålla betal-</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft3">Utöver att tillhandahålla betal-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft7">tjänster</P></TD>
<TD class="tr16 td68"><P class="p218 ft6">får</P></TD>
<TD class="tr16 td68"><P class="p74 ft6">ett</P></TD>
<TD colspan=4 class="tr16 td63"><P class="p62 ft7">betalningsinstitut</P></TD>
<TD colspan=3 class="tr16 td141"><P class="p3 ft6">tjänster får</P></TD>
<TD class="tr16 td126"><P class="p71 ft6">ett</P></TD>
<TD colspan=4 class="tr16 td271"><P class="p42 ft7">betalningsinstitut</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">eller en registrerad betaltjänst-</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">eller en registrerad betaltjänst-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td98"><P class="p3 ft3">leverantör</P></TD>
<TD colspan=3 class="tr15 td79"><P class="p3 ft3">tillhandahålla</P></TD>
<TD colspan=2 class="tr15 td55"><P class="p62 ft3">närligg-</P></TD>
<TD colspan=2 class="tr15 td125"><P class="p3 ft3">leverantör</P></TD>
<TD colspan=4 class="tr15 td106"><P class="p72 ft3">tillhandahålla</P></TD>
<TD colspan=2 class="tr15 td166"><P class="p42 ft3">närligg-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">ande tjänster och driva annan</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">ande tjänster och driva annan</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td98"><P class="p3 ft5">verksamhet.</P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft41"><SPAN class="ft5">verksamhet. </SPAN>Det sagda gäller inte</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr20"><P class="p42 ft41">en registrerad betaltjänstleverantör</P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 68px;margin-top: 28px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">8 </SPAN>Senaste lydelse 2014:988.</P>
<P class="p14 ft3">503</P>
</DIV>
<DIV id="page_504" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 561px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">504</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<P style="text-align: left;padding-left: 205px;padding-right: 5px;margin-top: 0px;margin-bottom: 0px;" class="ft50">som bara tillhandahåller konto- informationstjänster.</P>
<P class="p145 ft3">Finansinspektionen får förbjuda ett betalningsinstitut eller en registrerad betaltjänstleverantör att driva annan verksamhet. Ett sådant beslut får meddelas om verksamheten försämrar eller kan komma att försämra betalningsinstitutets eller den registrerade betaltjänstleverantörens finansiella sundhet eller Finansinspektionens möjligheter att utöva tillsyn över institutet eller leverantören.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;margin-top: 8px;font: 13px 'Arial';">
<TR height=0>
<TD width=50px></TD>
<TD width=18px></TD>
<TD width=12px></TD>
<TD width=45px></TD>
<TD width=47px></TD>
<TD width=17px></TD>
<TD width=66px></TD>
<TD width=18px></TD>
<TD width=12px></TD>
<TD width=45px></TD>
<TD width=47px></TD>
<TD width=17px></TD>
</TR>
<TR>
<TD colspan=5 rowspan=2 style="height: 36px;" class="td240"><P class="p31 ft3">Ett betalningsinstitut eller</P></TD>
<TD rowspan=2 style="height: 36px;" class="td11"><P class="p17 ft3">en</P></TD>
<TD class="tr2 td78"><P class="p3 ft3">7 §</P></TD>
<TD class="tr2 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td11"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td61"><P class="p235 ft3">Ett betalningsinstitut eller</P></TD>
<TD class="tr15 td11"><P class="p17 ft3">en</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td140"><P class="p3 ft6">registrerad</P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td63"><P class="p17 ft7">betaltjänstleverantör</P></TD>
<TD colspan=2 class="tr16 td35"><P class="p148 ft6">registrerad</P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td63"><P class="p27 ft7">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td72"><P class="p3 ft5">ska vidta särskilda åtgärder för att</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p148 ft5">ska vidta särskilda åtgärder för att</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p3 ft3">skydda</P></TD>
<TD class="tr15 td120"><P class="p3 ft3">en</P></TD>
<TD colspan=4 class="tr15 td108"><P class="p17 ft7">betaltjänstanvändares</P></TD>
<TD class="tr15 td78"><P class="p148 ft3">skydda</P></TD>
<TD class="tr15 td120"><P class="p3 ft3">en</P></TD>
<TD colspan=4 class="tr15 td108"><P class="p17 ft7">betaltjänstanvändares</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft6">medel</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p74 ft7">som</P></TD>
<TD colspan=2 class="tr16 td115"><P class="p645 ft6">mottagits</P></TD>
<TD class="tr16 td11"><P class="p17 ft6">för</P></TD>
<TD class="tr16 td78"><P class="p148 ft6">medel</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p74 ft7">som</P></TD>
<TD colspan=2 class="tr16 td115"><P class="p645 ft6">mottagits</P></TD>
<TD class="tr16 td11"><P class="p27 ft6">för</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td136"><P class="p3 ft7">genomförande</P></TD>
<TD colspan=3 class="tr16 td63"><P class="p17 ft6">av betalningstrans-</P></TD>
<TD colspan=3 class="tr16 td110"><P class="p148 ft7">genomförande</P></TD>
<TD colspan=3 class="tr16 td63"><P class="p17 ft6">av betalningstrans-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td72"><P class="p3 ft4"><SPAN class="ft3">aktioner </SPAN>och som överstiger ett</P></TD>
<TD colspan=5 class="tr15 td61"><P class="p148 ft3">aktioner Sådana medel ska</P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft4">belopp</P></TD>
<TD colspan=3 class="tr16 td79"><P class="p72 ft4">motsvarande</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p17 ft4">300 euro<SPAN class="ft6">.</SPAN></P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td163"><P class="p3 ft6">Sådana medel ska</P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td140"><P class="p31 ft3">1. hållas</P></TD>
<TD colspan=2 class="tr15 td154"><P class="p3 ft3">avskilda</P></TD>
<TD colspan=2 class="tr15 td103"><P class="p17 ft3">från betal-</P></TD>
<TD colspan=2 class="tr15 td35"><P class="p235 ft3">1. hållas</P></TD>
<TD colspan=2 class="tr15 td154"><P class="p3 ft3">avskilda</P></TD>
<TD colspan=2 class="tr15 td103"><P class="p17 ft3">från betal-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td72"><P class="p3 ft6">ningsinstitutets eller den regi-</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p148 ft6">ningsinstitutets eller den regi-</P></TD>
</TR>
<TR>
<TD class="tr16 td46"><P class="p3 ft6">strerade</P></TD>
<TD colspan=5 class="tr16 td111"><P class="p17 ft6">betaltjänstleverantörens</P></TD>
<TD class="tr16 td78"><P class="p148 ft6">strerade</P></TD>
<TD colspan=5 class="tr16 td111"><P class="p17 ft6">betaltjänstleverantörens</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td72"><P class="p3 ft3">egna tillgångar och medel som</P></TD>
<TD colspan=6 class="tr15 td60"><P class="p148 ft3">egna tillgångar och medel som</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td72"><P class="p3 ft6">innehas för annans räkning än</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p148 ft6">innehas för annans räkning än</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td240"><P class="p3 ft6">betaltjänstanvändares, eller</P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td61"><P class="p148 ft6">betaltjänstanvändares, eller</P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td72"><P class="p17 ft3">2. omfattas av en försäkring eller</P></TD>
<TD colspan=6 class="tr15 td60"><P class="p27 ft3">2. omfattas av en försäkring eller</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td72"><P class="p3 ft5">garanti som ger samma skydd för</P></TD>
<TD colspan=6 class="tr16 td60"><P class="p148 ft5">garanti som ger samma skydd för</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td163"><P class="p3 ft6">betaltjänstanvändaren</P></TD>
<TD class="tr16 td123"><P class="p75 ft6">som</P></TD>
<TD class="tr16 td11"><P class="p17 ft7">om</P></TD>
<TD colspan=4 class="tr16 td207"><P class="p148 ft6">betaltjänstanvändaren</P></TD>
<TD class="tr16 td123"><P class="p75 ft6">som</P></TD>
<TD class="tr16 td11"><P class="p17 ft7">om</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td240"><P class="p3 ft6">medlen hålls åtskilda enligt 1.</P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td61"><P class="p148 ft6">medlen hålls åtskilda enligt 1.</P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p762 ft6">Medel för genomförande av transaktioner enligt första stycket 1, som fortfarande innehas av betalningsinstitutet eller den registrerade betaltjänstleverantören vid slutet av bankdagen efter den dag då medlen mottogs, ska deponeras på ett särskilt konto hos en svensk bank, ett svenskt kreditmarknadsföretag eller utländskt bank- eller kreditföretag eller investeras i likvida tillgångar med låg risk.</P>
<P class="p208 ft3">Första och andra styckena gäller även i de fall då ett betalningsinstitut eller en registrerad betaltjänstleverantör tar emot medel där en andel ska användas för framtida betalningstransaktioner och återstoden för andra tjänster än betaltjänster. Om det inte går att fastställa hur stor andel av användares medel som kommer att användas till betalningstransaktionerna, får ett betalningsinstitut eller en registrerad betaltjänstleverantör, om det är möjligt att på grundval av historiska uppgifter och efter tillstånd av Finansinspektionen, göra en uppskattning av denna andel.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_505" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:403px;left:273px;width:188px;height:120px;"><SPAN class="ft5">Bestämmelser om skyldighet för fysiska eller juridiska personer som tillhandahåller betaltjänster att medverka till att förhindra penningtvätt och finansiering av terrorism finns i lagen (2009:62) om åtgärder mot penningtvätt och finansiering av terrorism.</SPAN></DIV>
<DIV style="position:absolute;top:526px;left:273px;width:188px;height:48px;"><SPAN class="ft50">Bestämmelserna gäller inte för leverantörer av endast kontoinformationtjänster.</SPAN></DIV>
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr22 td38"><P style="text-align: right;padding-right: 87px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">9 §<SPAN class="ft43">9</SPAN></P></TD>
<TD class="tr22 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td329"><P class="p42 ft7">Ett betalningsinstitut ska ha minst en revisor som utses av stämman. Bara</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td329"><P class="p3 ft6">den som är auktoriserad eller godkänd revisor får vara revisor. Minst en</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td329"><P class="p3 ft6">revisor som stämman utsett ska vara auktoriserad revisor.</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td38"><P class="p90 ft4">Ett europakooperativ ska upp-</P></TD>
<TD class="tr15 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td38"><P class="p3 ft4">rätta årsredovisning och, i före-</P></TD>
<TD class="tr16 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td38"><P class="p3 ft4">kommande fall, koncernredovis-</P></TD>
<TD class="tr16 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td38"><P class="p3 ft4">ning i enlighet med de bestäm-</P></TD>
<TD class="tr15 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td38"><P class="p3 ft4">melser i lagen (1995:1559) om</P></TD>
<TD class="tr16 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td38"><P class="p3 ft4">årsredovisning i kreditinstitut och</P></TD>
<TD class="tr16 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td38"><P class="p3 ft4">värdepappersbolag som är tillämp-</P></TD>
<TD class="tr15 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td38"><P class="p3 ft4">liga på betalningsinstitut som drivs i</P></TD>
<TD class="tr16 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td38"><P class="p3 ft4">ekonomisk förening.</P></TD>
<TD class="tr20 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td38"><P style="text-align: right;padding-right: 86px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">11 §</P></TD>
<TD class="tr29 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td329"><P class="p42 ft5">Ett betalningsinstitut eller en registrerad betaltjänstleverantör som är en</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td329"><P class="p3 ft5">juridisk person ska ha sitt huvudkontor i Sverige. En fysisk person som</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td329"><P class="p3 ft6">är registrerad betaltjänstleverantör ska ha sin hemvist i Sverige.</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td38"><P class="p115 ft4">Kraven på</P></TD>
<TD class="tr16 td118"><P class="p42 ft4">huvudkontor och</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td329"><P class="p42 ft4">hemvist i Sverige enligt första</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td329"><P class="p42 ft4">stycket gäller inte för en registre-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td329"><P class="p42 ft4">rad betaltjänstleverantör som bara</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td38"><P style="text-align: left;padding-left: 205px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">tillhandahåller</P></TD>
<TD class="tr15 td118"><P class="p42 ft41">kontoinformations-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td38"><P style="text-align: left;padding-left: 205px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">tjänster.</P></TD>
<TD class="tr28 td118"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 79px;padding-right: 343px;margin-top: 10px;margin-bottom: 0px;text-indent: 174px;" class="ft3">13 § Bestämmelser om skyldighet för</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 368px;margin-top: 1px;margin-bottom: 0px;" class="ft3">fysiska eller juridiska personer som tillhandahåller betaltjänster att medverka till att förhindra penningtvätt och finansiering av terrorism finns i lagen (2009:62) om åtgärder mot penningtvätt och finansiering av terrorism.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;margin-left: 68px;margin-top: 52px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td136"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td140"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td17"><P class="p63 ft3">17 §</P></TD>
<TD class="tr22 td57"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td23"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p62 ft6">Om ett betalningsinstitut eller en</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p27 ft6">Om ett betalningsinstitut eller en</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p21 ft7">registrerad betaltjänstleverantör vill</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p17 ft7">registrerad betaltjänstleverantör vill</P></TD>
</TR>
<TR>
<TD class="tr16 td136"><P class="p3 ft6">tillhandahålla</P></TD>
<TD class="tr16 td140"><P class="p3 ft5">betaltjänster</P></TD>
<TD class="tr16 td154"><P class="p21 ft6">genom</P></TD>
<TD class="tr16 td57"><P class="p3 ft6">tillhandahålla</P></TD>
<TD class="tr16 td57"><P class="p72 ft6">betaltjänster</P></TD>
<TD class="tr16 td23"><P class="p27 ft7">genom</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p62 ft41"><SPAN class="ft5">ombud, </SPAN>ska betalningsinstitutet eller</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p27 ft4"><SPAN class="ft6">ombud, </SPAN>ska ombudet anmälas <SPAN class="ft6">för</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td136"><P class="p3 ft4">den</P></TD>
<TD colspan=2 class="tr15 td163"><P class="p62 ft4">registrerade</P></TD>
<TD class="tr15 td57"><P class="p3 ft3">registrering</P></TD>
<TD class="tr15 td57"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p27 ft3">hos</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td160"><P class="p3 ft4">betaltjänstleverantören</P></TD>
<TD class="tr16 td154"><P class="p62 ft41">anmäla</P></TD>
<TD colspan=2 class="tr16 td170"><P class="p3 ft6">Finansinspektionen. <SPAN class="ft4">En</SPAN></P></TD>
<TD class="tr16 td23"><P class="p27 ft4">sådan</P></TD>
</TR>
<TR>
<TD class="tr16 td136"><P class="p3 ft4">ombudet <SPAN class="ft6">för</SPAN></P></TD>
<TD colspan=2 class="tr16 td163"><P class="p62 ft6">registrering hos</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p27 ft4">anmälan behöver inte göras av en</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td160"><P class="p3 ft3">Finansinspektionen.</P></TD>
<TD class="tr20 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td57"><P class="p3 ft4">registrerad</P></TD>
<TD colspan=2 class="tr20 td28"><P class="p27 ft41">betaltjänstleverantör</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 68px;margin-top: 28px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">9 </SPAN>Senaste lydelse 2013:234.</P>
<P class="p14 ft3">505</P>
</DIV>
<DIV id="page_506" style="position:relative; overflow: hidden;margin: 46px 0px 78px 36px;padding: 0px;border: none;width: 520px;">
<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr19 td64"><P class="p36 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td230"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td46"><P class="p1 ft4">som</P></TD>
<TD colspan=2 class="tr19 td75"><P class="p74 ft4">bara</P></TD>
<TD class="tr19 td70"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr19 td43"><P class="p17 ft41">tillhandahåller</P></TD>
</TR>
<TR>
<TD class="tr20 td64"><P class="p36 ft3">Bilaga 3</P></TD>
<TD colspan=5 rowspan=2 class="tr31 td253"><P class="p31 ft7">Anmälan ska innehålla</P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr20 td206"><P class="p1 ft41">kontoinformationstjänster.</P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr30 td64"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td142"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td75"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td46"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td182"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td182"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td70"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td69"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td94"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td70"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td13"><P class="p3 ft74"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td225"><P class="p31 ft3">1. ombudets namn, adress <SPAN class="ft4">samt</SPAN></P></TD>
<TD colspan=3 class="tr15 td47"><P class="p90 ft5">1. ombudets</P></TD>
<TD colspan=2 class="tr15 td177"><P class="p71 ft5">namn,</P></TD>
<TD colspan=2 class="tr15 td58"><P class="p41 ft3">adress</P></TD>
<TD class="tr15 td13"><P class="p17 ft4">och</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td225"><P class="p3 ft3">personnummer eller motsvarande<SPAN class="ft4">,</SPAN></P></TD>
<TD colspan=3 class="tr15 td47"><P class="p3 ft7">personnummer</P></TD>
<TD colspan=2 class="tr15 td177"><P class="p41 ft3">eller</P></TD>
<TD colspan=3 class="tr15 td141"><P class="p17 ft7">motsvarande</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">samt ombudets unika identi-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td78"><P class="p3 ft41">fikationskod</P></TD>
<TD colspan=2 class="tr16 td81"><P class="p93 ft4">eller</P></TD>
<TD colspan=4 class="tr16 td43"><P class="p17 ft41">identifikations-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=7 rowspan=2 class="tr25 td225"><P class="p31 ft3">2. om ombudet är en juridisk</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr15"><P class="p3 ft41">nummer om sådana uppgifter finns<SPAN class="ft5">,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td46"><P class="p90 ft6">2. om</P></TD>
<TD colspan=3 class="tr16 td154"><P class="p1 ft6">ombudet</P></TD>
<TD class="tr16 td69"><P class="p3 ft6">är</P></TD>
<TD class="tr16 td94"><P class="p74 ft6">en</P></TD>
<TD colspan=2 class="tr16 td119"><P class="p17 ft6">juridisk</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td225"><P class="p3 ft6">person, dessutom namn, per-</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">person, dessutom namn, per-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td106"><P class="p3 ft3">sonnummer</P></TD>
<TD class="tr15 td66"><P class="p94 ft7">eller</P></TD>
<TD colspan=3 class="tr15 td137"><P class="p242 ft3">motsvarande</P></TD>
<TD colspan=2 class="tr15 td78"><P class="p3 ft7">sonnummer</P></TD>
<TD colspan=2 class="tr15 td81"><P class="p73 ft3">eller</P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td141"><P class="p17 ft7">motsvarande</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td225"><P class="p3 ft6">samt adress <SPAN class="ft4">för de </SPAN>som ingår i</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">samt adress <SPAN class="ft4">för var och en </SPAN>som</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td104"><P class="p3 ft7">ombudets</P></TD>
<TD colspan=2 class="tr16 td166"><P style="text-align: center;padding-left: 18px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">styrelse</P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p42 ft6">eller</P></TD>
<TD class="tr16 td75"><P class="p242 ft6">är</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">ingår i ombudets styrelse eller är</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td253"><P class="p3 ft3">verkställande direktör</P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td42"><P class="p3 ft3"><SPAN class="ft4">dess </SPAN>verkställande direktör,</P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td106"><P class="p31 ft6">3. uppgifter</P></TD>
<TD class="tr16 td66"><P class="p72 ft6">som</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p218 ft6">visar att</P></TD>
<TD class="tr16 td75"><P class="p242 ft6">de</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p90 ft6">3. uppgifter</P></TD>
<TD class="tr16 td70"><P class="p146 ft7">som</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p130 ft6">visar</P></TD>
<TD class="tr16 td70"><P class="p75 ft6">att</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">de</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td225"><P class="p3 ft6">personer som avses i 2 är lämpliga</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft7">personer som avses i 2 är lämpliga</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td225"><P class="p3 ft3">för en sådan uppgift eller, om</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">för en sådan uppgift eller, om</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td225"><P class="p3 ft6">ombudet är en fysisk person, att</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">ombudet är en fysisk person, att</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td225"><P class="p3 ft6">han eller hon är lämplig att</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">han eller hon är lämplig att</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td240"><P class="p3 ft5">tillhandahålla betaltjänster, <SPAN class="ft41">och</SPAN></P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td206"><P class="p3 ft7">tillhandahålla betaltjänster,</P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td106"><P class="p31 ft7">4. Ombudets</P></TD>
<TD colspan=2 class="tr16 td9"><P class="p75 ft6">interna</P></TD>
<TD class="tr16 td142"><P class="p129 ft6">regler</P></TD>
<TD class="tr16 td75"><P class="p242 ft6">för</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p90 ft5">4. ombudets</P></TD>
<TD colspan=4 class="tr16 td210"><P class="p71 ft6">interna regler</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td225"><P class="p3 ft6">hur ombudet ska leva upp till de</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">hur ombudet ska leva upp till de</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td225"><P class="p3 ft3">krav som anges i lagen (2009:62)</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr15"><P class="p3 ft5">krav som anges i lagen (2009:62)</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td225"><P class="p3 ft6">om åtgärder mot penningtvätt och</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft5">om åtgärder mot penningtvätt och</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td240"><P class="p3 ft6">finansiering av terrorism.</P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td42"><P class="p3 ft6">finansiering av terrorism, <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td230"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr15"><P class="p90 ft4">5. uppgift om vilka betaltjänster</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">som ombudet har mandat att till-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td78"><P class="p3 ft41">handahålla.</P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td225"><P class="p31 ft3">Om anmälan uppfyller kraven i</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr15"><P class="p90 ft3">Om anmälan uppfyller kraven i</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td225"><P class="p3 ft6">andra stycket ska Finansinspek-</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">andra stycket ska Finansinspek-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td225"><P class="p3 ft6">tionen registrera ombudet i det</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">tionen registrera ombudet i det</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft3">register</P></TD>
<TD class="tr15 td230"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft3">som</P></TD>
<TD colspan=3 class="tr15 td190"><P class="p308 ft3">inspektionen</P></TD>
<TD class="tr15 td75"><P class="p242 ft3">för</P></TD>
<TD class="tr15 td46"><P class="p3 ft3">register</P></TD>
<TD colspan=2 class="tr15 td75"><P class="p70 ft3">som</P></TD>
<TD colspan=4 class="tr15 td210"><P class="p177 ft7">inspektionen</P></TD>
<TD class="tr15 td13"><P class="p17 ft3">för</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td71"><P class="p3 ft6">enligt 8 kap. 5 §.</P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td47"><P class="p3 ft6">enligt 8 kap.</P></TD>
<TD class="tr16 td70"><P class="p146 ft6">5 §.</P></TD>
<TD colspan=4 class="tr16 td43"><P class="p17 ft4">Finansinspek-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">tionen ska inom två månader från</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td230"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">det att anmälan togs emot meddela</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td24"><P class="p3 ft4">betalningsinstitutet</P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td58"><P class="p72 ft4">eller</P></TD>
<TD class="tr16 td13"><P class="p27 ft41">den</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td78"><P class="p3 ft41">registrerade</P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td43"><P class="p17 ft41">betaltjänstleve-</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td230"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr15"><P class="p3 ft41">rantören om sådan registrering har</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft41">gjorts. Innan registrering har gjorts</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td230"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td47"><P class="p3 ft4">får ombudet</P></TD>
<TD class="tr16 td70"><P class="p1 ft4">inte</P></TD>
<TD colspan=4 class="tr16 td43"><P class="p17 ft4">tillhandahålla</P></TD>
</TR>
<TR>
<TD class="tr20 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td230"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td47"><P class="p3 ft4">betaltjänster.</P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td230"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td47"><P style="text-align: right;padding-right: 45px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">18 §</P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=15 class="tr15 td93"><P class="p31 ft5">Om ett betalningsinstitut vill tillhandahålla betaltjänster genom ombud</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=15 class="tr16 td93"><P class="p3 ft6">i ett annat land inom EES, ska betalningsinstitutet underrätta</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td240"><P class="p3 ft6">Finansinspektionen om detta.</P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td240"><P class="p31 ft5">Underrättelsen ska innehålla</P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p31 ft6">1. en</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p1 ft6">plan</P></TD>
<TD class="tr16 td66"><P class="p135 ft6">för</P></TD>
<TD class="tr16 td13"><P class="p3 ft7">den</P></TD>
<TD colspan=2 class="tr16 td208"><P class="p28 ft6">avsedda</P></TD>
<TD class="tr16 td46"><P class="p36 ft6">1. en</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p1 ft6">plan</P></TD>
<TD class="tr16 td70"><P class="p70 ft6">för</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p202 ft7">den</P></TD>
<TD colspan=2 class="tr16 td119"><P class="p17 ft7">avsedda</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td106"><P class="p3 ft6">verksamheten</P></TD>
<TD class="tr16 td66"><P class="p178 ft7">med</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p308 ft6">uppgift</P></TD>
<TD class="tr16 td75"><P class="p28 ft7">om</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p1 ft6">verksamheten</P></TD>
<TD colspan=2 class="tr16 td177"><P class="p70 ft6">med</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p1 ft6">uppgift</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">om</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td104"><P class="p3 ft7">ombudets</P></TD>
<TD colspan=3 class="tr15 td62"><P style="text-align: center;padding-left: 7px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">organisation</P></TD>
<TD class="tr15 td142"><P class="p154 ft3">och</P></TD>
<TD class="tr15 td75"><P class="p28 ft3">de</P></TD>
<TD colspan=2 class="tr15 td78"><P class="p1 ft3">ombudets</P></TD>
<TD colspan=4 class="tr15 td62"><P class="p3 ft3">organisation</P></TD>
<TD class="tr15 td70"><P class="p3 ft3">och</P></TD>
<TD class="tr15 td13"><P class="p17 ft3">de</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p495 ft7">506</P></TD>
<TD class="tr28 td58"><P class="p3 ft3">tjänster</P></TD>
<TD colspan=2 class="tr28 td75"><P class="p3 ft3">som</P></TD>
<TD colspan=2 class="tr28 td9"><P class="p3 ft3">ombudet</P></TD>
<TD class="tr28 td142"><P class="p129 ft3">avser</P></TD>
<TD class="tr28 td75"><P class="p28 ft3">att</P></TD>
<TD class="tr28 td46"><P class="p1 ft3">tjänster</P></TD>
<TD colspan=2 class="tr28 td75"><P class="p3 ft3">som</P></TD>
<TD colspan=4 class="tr28 td210"><P class="p3 ft3">ombudet avser</P></TD>
<TD class="tr28 td13"><P class="p27 ft3">att</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_507" style="position:relative; overflow: hidden;margin: 49px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P class="p15 ft3">tillhandahålla<SPAN class="ft4">, och</SPAN></P>
<P class="p203 ft3">2. uppgifter om ombudets namn och adress samt dess ansvariga ledning.</P>
<P style="text-align: justify;padding-right: 16px;margin-top: 90px;margin-bottom: 0px;text-indent: 11px;" class="ft5">Innan Finansinspektionen beslutar att registrera ombudet enligt 8 kap. 5 §, ska inspektionen underrätta den behöriga myndigheten i det andra landet. Underrättelsen ska innehålla <SPAN class="ft41">uppgifterna enligt </SPAN>andra stycket. Finansinspektionen <SPAN class="ft41">får </SPAN>vägra att registrera ombud eller återkalla en utförd registrering, om <SPAN class="ft41">den behöriga myndigheten i det andra landet </SPAN>har skälig anledning att anta att penningtvätt eller finan- siering av terrorism äger rum eller har ägt rum eller <SPAN class="ft41">har försökt genomföras </SPAN>i anknytning till ombudet, eller om anlitandet av ombudet kan öka risken för penningtvätt eller finansiering av terrorism.</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p15 ft3">tillhandahålla,</P>
<P class="p514 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">uppgifter om ombudets namn och adress samt dess ansvariga ledning,</SPAN></P>
<P class="p514 ft4"><SPAN class="ft4">3.</SPAN><SPAN class="ft52">de övriga uppgifter som framgår av 17 § andra stycket </SPAN><NOBR>1–5,</NOBR> och</P>
<P class="p514 ft4"><SPAN class="ft4">4.</SPAN><SPAN class="ft52">uppgift om den dag då verk- samheten via ombudet ska påbör- jas i det andra landet.</SPAN></P>
<P class="p611 ft5">Innan Finansinspektionen beslutar att registrera ombudet enligt 8 kap. 5 §, ska inspektionen underrätta den behöriga myndigheten i det andra landet. Underrättelsen ska innehålla <SPAN class="ft41">de uppgifter som avses i </SPAN>andra stycket. Finansinspektionen <SPAN class="ft41">ska </SPAN>vägra att registrera ombud eller återkalla en utförd registrering, om <SPAN class="ft41">inspektionen </SPAN>har skälig anledning att anta att penningtvätt eller finansiering av terrorism äger rum eller har ägt rum eller <SPAN class="ft41">försök att genomföra sådana brott har förekommit </SPAN>i anknytning till ombudet, eller om anlitandet av ombudet kan öka risken för penningtvätt eller finansiering av terrorism. <SPAN class="ft41">Finans- inspektionen ska vid denna be- dömning beakta den information som inspektionen tagit emot från den behöriga myndigheten i det andra landet.</SPAN></P>
<P class="p838 ft4">Om Finansinspektionen vägrar att registrera ett ombud enligt tredje stycket och den behöriga myndigheten i det andra landet inte har samma uppfattning i frågan om det finns risk för pen- ningtvätt eller finansiering av terrorism på grund av att ombudet anlitas ska Finansinspektionen underrätta den behöriga myndigheten i det andra landet om beslutet att vägra registrera ombudet.</P>
<P class="p748 ft39">Finansinspektionen ska inom tre månader efter att ha tagit emot en underrättelse enligt andra stycket fatta beslut om registrering och</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">507</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_508" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">508</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft50">underrätta den behöriga myndig- heten i det andra landet och be- talningsinstitutet om beslutet. Om- budet får inte tillhandahålla betal- tjänster i det andra landet innan registrering har ägt rum.</P>
<P class="p220 ft3">19 §</P>
<P style="text-align: left;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft40">Ett betalningsinstitut som avser att tillhandahålla betaltjänster genom en filial i ett annat land inom EES ska underrätta Finansinspektionen</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 13px 'Arial';">
<TR>
<TD colspan=13 class="tr28 td10"><P class="p3 ft7">innan verksamheten påbörjas. Underrättelsen ska innehålla</P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td67"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td82"><P class="p31 ft6">1. en</P></TD>
<TD class="tr16 td34"><P class="p71 ft6">plan</P></TD>
<TD colspan=2 class="tr16 td68"><P class="p71 ft6">för</P></TD>
<TD colspan=2 class="tr16 td162"><P class="p27 ft6">den</P></TD>
<TD colspan=2 class="tr16 td53"><P class="p21 ft6">avsedda</P></TD>
<TD class="tr16 td58"><P class="p31 ft6">1. en</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p1 ft6">plan</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p146 ft6">för</P></TD>
<TD class="tr16 td27"><P class="p3 ft6">den</P></TD>
<TD colspan=3 class="tr16 td9"><P class="p17 ft6">avsedda</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td47"><P class="p3 ft6">verksamheten</P></TD>
<TD colspan=2 class="tr16 td68"><P class="p71 ft6">med</P></TD>
<TD class="tr16 td241"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td14"><P class="p134 ft6">uppgift</P></TD>
<TD class="tr16 td90"><P class="p21 ft6">om</P></TD>
<TD colspan=3 class="tr16 td35"><P class="p3 ft6">verksamheten</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p146 ft6">med</P></TD>
<TD colspan=3 class="tr16 td50"><P class="p202 ft6">uppgift</P></TD>
<TD class="tr16 td67"><P class="p17 ft6">om</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td60"><P class="p3 ft3">filialens organisation och de tjäns-</P></TD>
<TD colspan=9 class="tr15 td72"><P class="p3 ft5">filialens organisation och de tjäns-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">ter som den avser att tillhanda-</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft6">ter som den avser att tillhanda-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td47"><P class="p3 ft6">hålla, <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft6">hålla,</P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td181"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td47"><P class="p31 ft3">2. uppgifter</P></TD>
<TD colspan=2 class="tr15 td68"><P class="p146 ft3">om</P></TD>
<TD class="tr15 td241"><P class="p3 ft3">i</P></TD>
<TD colspan=2 class="tr15 td14"><P class="p134 ft3">vilket</P></TD>
<TD class="tr15 td90"><P class="p21 ft3">land</P></TD>
<TD colspan=3 class="tr15 td35"><P class="p31 ft3">2. uppgifter</P></TD>
<TD colspan=4 class="tr15 td18"><P class="p3 ft3">om i vilket</P></TD>
<TD colspan=2 class="tr15 td164"><P class="p17 ft3">land</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">filialen ska inrättas samt om fili-</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft6">filialen ska inrättas samt om fili-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft5">alens adress och ansvariga ledning.</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft7">alens adress och ansvariga ledning,</P></TD>
</TR>
<TR>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft4">och</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td181"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr16 td72"><P class="p31 ft4">3. uppgift om den dag då verk-</P></TD>
</TR>
<TR>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft4">samheten via filialen ska påbörjas</P></TD>
</TR>
<TR>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td71"><P class="p3 ft4">i det andra landet.</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td82"><P class="p31 ft6">Innan</P></TD>
<TD colspan=6 class="tr16 td143"><P class="p291 ft7">Finansinspektionen</P></TD>
<TD class="tr16 td90"><P class="p21 ft6">be-</P></TD>
<TD class="tr16 td58"><P class="p31 ft6">Innan</P></TD>
<TD colspan=7 class="tr16 td108"><P class="p74 ft6">Finansinspektionen</P></TD>
<TD class="tr16 td67"><P class="p17 ft6">be-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td146"><P class="p3 ft6">slutar att registrera</P></TD>
<TD colspan=4 class="tr16 td76"><P class="p21 ft6">filialen enligt</P></TD>
<TD colspan=5 class="tr16 td71"><P class="p3 ft6">slutar att registrera</P></TD>
<TD colspan=2 class="tr16 td14"><P class="p3 ft6">filialen</P></TD>
<TD colspan=2 class="tr16 td164"><P class="p17 ft6">enligt</P></TD>
</TR>
<TR>
<TD class="tr15 td82"><P class="p3 ft3">8 kap.</P></TD>
<TD class="tr15 td34"><P class="p71 ft3">5 §,</P></TD>
<TD colspan=2 class="tr15 td68"><P class="p71 ft3">ska</P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td35"><P class="p21 ft7">inspektionen</P></TD>
<TD class="tr15 td58"><P class="p3 ft3">8 kap.</P></TD>
<TD class="tr15 td27"><P class="p3 ft3">5 §,</P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td92"><P class="p146 ft3">ska</P></TD>
<TD colspan=4 class="tr15 td79"><P class="p17 ft3">inspektionen</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">underrätta den behöriga myn-</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft6">underrätta den behöriga myn-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">digheten i det andra landet.</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft6">digheten i det andra landet.</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td60"><P class="p3 ft3">Underrättelsen ska innehålla <SPAN class="ft4">upp-</SPAN></P></TD>
<TD colspan=3 class="tr15 td35"><P class="p3 ft3">Underrättelsen</P></TD>
<TD class="tr15 td181"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft3">ska</P></TD>
<TD colspan=3 class="tr15 td50"><P class="p177 ft7">innehålla</P></TD>
<TD class="tr15 td67"><P class="p17 ft4">de</P></TD>
</TR>
<TR>
<TD class="tr16 td82"><P class="p3 ft4">gifterna</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p90 ft4">enligt</P></TD>
<TD colspan=3 class="tr16 td90"><P class="p27 ft6">första</P></TD>
<TD colspan=2 class="tr16 td53"><P class="p21 ft6">stycket.</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft4">uppgifter som avses i <SPAN class="ft6">första</SPAN></P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td146"><P class="p3 ft5">Finansinspektionen</P></TD>
<TD colspan=2 class="tr16 td162"><P class="p129 ft4">får</P></TD>
<TD colspan=2 class="tr16 td53"><P class="p21 ft6">vägra att</P></TD>
<TD class="tr16 td58"><P class="p3 ft6">stycket.</P></TD>
<TD colspan=6 class="tr16 td63"><P class="p70 ft7">Finansinspektionen</P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p17 ft4">ska</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td60"><P class="p3 ft3">registrera en filial eller återkalla en</P></TD>
<TD colspan=9 class="tr15 td72"><P class="p3 ft3">vägra att registrera en filial eller</P></TD>
</TR>
<TR>
<TD class="tr16 td82"><P class="p3 ft6">utförd</P></TD>
<TD colspan=4 class="tr16 td79"><P class="p70 ft6">registrering,</P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft6">om</P></TD>
<TD class="tr16 td90"><P class="p21 ft4">den</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft5">återkalla en utförd registrering, om</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft4">behöriga myndigheten i det andra</P></TD>
<TD colspan=2 class="tr16 td53"><P class="p3 ft4">inspektionen</P></TD>
<TD colspan=2 class="tr16 td120"><P class="p177 ft7">har</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p41 ft6">skälig</P></TD>
<TD colspan=3 class="tr16 td9"><P class="p17 ft7">anledning</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td60"><P class="p3 ft3"><SPAN class="ft4">landet </SPAN>har skälig anledning att anta</P></TD>
<TD colspan=9 class="tr15 td72"><P class="p3 ft3">att anta att penningtvätt eller</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td76"><P class="p3 ft6">att penningtvätt</P></TD>
<TD colspan=2 class="tr16 td126"><P class="p202 ft6">eller</P></TD>
<TD colspan=3 class="tr16 td35"><P class="p21 ft6">finansiering</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft5">finansiering av terrorism äger rum</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">av terrorism äger rum eller har ägt</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft6">eller har ägt rum <SPAN class="ft4">eller försök att</SPAN></P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td60"><P class="p3 ft4"><SPAN class="ft3">rum eller </SPAN>har försökt genomföras <SPAN class="ft3">i</SPAN></P></TD>
<TD colspan=2 class="tr15 td53"><P class="p3 ft4">genomföra</P></TD>
<TD colspan=3 class="tr15 td20"><P class="p72 ft4">sådana</P></TD>
<TD colspan=2 class="tr15 td14"><P class="p297 ft41">brott</P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p17 ft4">har</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">anknytning till filialen, eller om</P></TD>
<TD colspan=2 class="tr16 td53"><P class="p3 ft4">förekommit</P></TD>
<TD class="tr16 td6"><P class="p291 ft6">i</P></TD>
<TD class="tr16 td181"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td141"><P class="p75 ft5">anknytning</P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p27 ft6">till</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">anlitandet av filialen kan öka</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft6">filialen, eller om anlitandet av</P></TD>
</TR>
<TR>
<TD class="tr15 td82"><P class="p3 ft3">risken</P></TD>
<TD class="tr15 td34"><P class="p71 ft3">för</P></TD>
<TD colspan=5 class="tr15 td43"><P class="p3 ft3">penningtvätt</P></TD>
<TD class="tr15 td90"><P class="p21 ft3">eller</P></TD>
<TD colspan=9 class="tr15 td72"><P class="p3 ft3">filialen kan öka risken för pen-</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td89"><P class="p3 ft6">finansiering av terrorism.</P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft6">ningtvätt</P></TD>
<TD colspan=3 class="tr16 td90"><P class="p31 ft6">eller</P></TD>
<TD colspan=4 class="tr16 td106"><P class="p130 ft6">finansiering</P></TD>
<TD class="tr16 td67"><P class="p17 ft6">av</P></TD>
</TR>
<TR>
<TD class="tr16 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td42"><P class="p3 ft4"><SPAN class="ft6">terrorism. </SPAN>Finansinspektionen</P></TD>
<TD class="tr16 td67"><P class="p17 ft4">ska</P></TD>
</TR>
<TR>
<TD class="tr15 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr15 td72"><P class="p3 ft4">vid denna bedömning beakta den</P></TD>
</TR>
<TR>
<TD class="tr21 td82"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td34"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td100"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td11"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td241"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td6"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td164"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td90"><P class="p3 ft22"> </P></TD>
<TD colspan=9 class="tr21 td72"><P class="p3 ft84">information som inspektionen tagit</P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft4">emot från den behöriga myndig- heten i det andra landet.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Om Finansinspektionen vägrar att registrera en filial enligt andra stycket och den behöriga myndig- heten i det andra landet inte har</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_509" style="position:relative; overflow: hidden;margin: 49px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV style="position:absolute;top:309px;left:205px;width:188px;height:105px;"><SPAN class="ft5">Inom en månad från det att en underrättelse </SPAN><SPAN class="ft41">enligt 18 </SPAN><SPAN class="ft5">eller 19 §</SPAN><SPAN class="ft41">§ </SPAN><SPAN class="ft5">togs emot ska Finansinspektionen lämna över den till den behöriga myndigheten i det land där filialen ska inrättas </SPAN><SPAN class="ft41">eller där ombudet ska verka</SPAN><SPAN class="ft5">.</SPAN></DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft4">samma uppfattning i frågan om det finns risk för penningtvätt eller finansiering av terrorism på grund av att filialen anlitas ska Finans- inspektionen underrätta den be- höriga myndigheten i det andra landet om beslutet att vägra regi- strera filialen.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Finansinspektionen ska inom tre månader efter att ha tagit emot en underrättelse enligt första stycket fatta beslut om registrering och underrätta den behöriga myndig- heten i det andra landet och be- talningsinstitutet om beslutet. Filialen får inte tillhandahålla betaltjänster i det andra landet innan registrering har ägt rum.</P>
<P style="text-align: left;padding-left: 11px;padding-right: 198px;margin-top: 31px;margin-bottom: 0px;text-indent: 174px;" class="ft3">20 § Inom en månad från det att en</P>
<P style="text-align: justify;padding-right: 213px;margin-top: 1px;margin-bottom: 0px;" class="ft124">underrättelse enligt 19 § togs emot ska Finansinspektionen lämna över den till den behöriga myndigheten i det land där filialen ska inrättas<SPAN class="ft123">.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 393px;margin-top: 35px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td201"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td88"><P class="p159 ft3">24 §</P></TD>
<TD class="tr22 td76"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td70"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p62 ft5">Betalningsinstitut och registrerade</P></TD>
<TD colspan=2 class="tr16 td169"><P class="p90 ft6">Betalningsinstitut</P></TD>
<TD class="tr16 td177"><P class="p3 ft6">och</P></TD>
<TD class="tr16 td70"><P class="p17 ft6">regi-</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">betaltjänstleverantörer</P></TD>
<TD class="tr16 td18"><P class="p62 ft6">ska</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft7">strerade betaltjänstleverantörer ska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p62 ft5">säkerställa att ombud som agerar</P></TD>
<TD colspan=4 class="tr15 td61"><P class="p3 ft5">säkerställa att ombud som agerar</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">för deras räkning</P></TD>
<TD class="tr16 td18"><P class="p62 ft6">informerar</P></TD>
<TD class="tr16 td92"><P class="p3 ft6">för</P></TD>
<TD class="tr16 td76"><P class="p1 ft6">deras räkning</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p17 ft6">informerar</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">betaltjänstanvändarna</P></TD>
<TD class="tr16 td18"><P class="p62 ft6">om detta</P></TD>
<TD colspan=2 class="tr16 td169"><P class="p3 ft5">betaltjänstanvändarna</P></TD>
<TD class="tr16 td177"><P class="p41 ft6">om</P></TD>
<TD class="tr16 td70"><P class="p17 ft7">detta</P></TD>
</TR>
<TR>
<TD class="tr15 td201"><P class="p3 ft3">förhållande.</P></TD>
<TD class="tr15 td18"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td61"><P class="p3 ft4"><SPAN class="ft3">förhållande. </SPAN>Det sagda gäller inte</P></TD>
</TR>
<TR>
<TD class="tr21 td201"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td18"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td92"><P class="p3 ft62">för</P></TD>
<TD class="tr21 td76"><P class="p3 ft62">en registerad</P></TD>
<TD colspan=2 class="tr21 td103"><P class="p17 ft62">betaltjänst-</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft4">leverantör som bara tillhanda- håller kontoinformationstjänster<SPAN class="ft3">.</SPAN></P>
<P class="p514 ft3">Ett betalningsinstitut som bedriver betaltjänstverksamhet genom en filial enligt detta kapitel ska säkerställa att filialen informerar betaltjänstanvändarna om detta förhållande.</P>
<P class="p244 ft3">25 §</P>
<P class="p611 ft64">Om ett betalningsinstitut eller en registrerad betaltjänstleverantör avser att ändra den verksamhet som avses i <NOBR>17–19,</NOBR> 21 eller 23 § ska institutet eller leverantören underrätta Finansinspektionen innan ändringen</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr28 td35"><P class="p3 ft3">genomförs.</P></TD>
<TD class="tr28 td150"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td55"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td171"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td6"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p62 ft6">Om ändringen rör ett betal-</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p17 ft6">Om ändringen rör ett betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td35"><P class="p3 ft6">ningsinstituts</P></TD>
<TD colspan=2 class="tr16 td108"><P class="p62 ft6">verksamhet i ett</P></TD>
<TD class="tr16 td171"><P class="p3 ft5">ningsinstituts verksamhet</P></TD>
<TD class="tr16 td68"><P class="p31 ft6">i</P></TD>
<TD class="tr16 td6"><P class="p17 ft5">ett</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p62 ft7">annat land, ska Finansinspektionen</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p17 ft7">annat land, ska Finansinspektionen</P></TD>
</TR>
<TR>
<TD class="tr28 td35"><P class="p3 ft3">underrätta</P></TD>
<TD class="tr28 td150"><P class="p71 ft3">den</P></TD>
<TD class="tr28 td55"><P class="p62 ft7">behöriga</P></TD>
<TD class="tr28 td171"><P class="p3 ft4">inom en månad från</P></TD>
<TD class="tr28 td68"><P class="p3 ft4">det</P></TD>
<TD class="tr28 td6"><P class="p17 ft41">att</P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">509</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_510" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:81px;left:367px;width:189px;height:390px;"><SPAN class="ft41">Efter att ha tagit emot en under- rättelse från en myndighet i ett annat </SPAN><NOBR><SPAN class="ft41">EES-land</SPAN></NOBR><SPAN class="ft41"> om att ett ut- ländskt företag avser att ge ut elektroniska pengar eller tillhanda- hålla betaltjänster i Sverige genom ett ombud, en filial eller ett upp- dragsavtal, ska Finansinspektio- nen inom en månad lämna en underrättelse till den behöriga myndigheten i det andra landet med uppgifter om det utländska företagets etablering här i landet. Om betaltjänster eller elektroniska pengar ska tillhandahållas genom ett ombud eller en filial ska under- rättelsen också innehålla uppgift om Finansinspektionen har skälig anledning att anta att penningtvätt eller finansiering av terrorism äger rum eller har ägt rum eller försök att genomföra sådana brott har förekommit i anknytning till filialen eller ombudet, eller om anlitandet av filialen eller ombudet kan öka risken för penningtvätt eller finansiering av terrorism.</SPAN></DIV>
<DIV style="position:absolute;top:495px;left:367px;width:189px;height:120px;"><SPAN class="ft4">Det utländska företaget får inte tillhandahålla sina tjänster genom ombud eller filial i Sverige innan Finansinspektionen tagit emot ett beslut från den behöriga myndig- heten i det andra landet om att ombudet eller filialen har registre- rats av den myndigheten.</SPAN></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">510</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr2 td60"><P class="p3 ft3">myndigheten i det andra landet om</P></TD>
<TD class="tr2 td136"><P class="p3 ft4">underrättelsen</P></TD>
<TD class="tr2 td63"><P class="p17 ft41">togs emot <SPAN class="ft5">underrätta</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">ändringen.</P></TD>
<TD class="tr15 td136"><P class="p3 ft3">den behöriga</P></TD>
<TD class="tr15 td63"><P class="p17 ft3">myndigheten i det</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr20 td72"><P class="p3 ft3">andra landet om ändringen.</P></TD>
</TR>
</TABLE>
<P class="p220 ft3">27 §</P>
<P style="text-align: justify;padding-right: 273px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Ett utländskt företag som avses i 26 § första stycket får tillhanda- hålla betaltjänster i Sverige från sitt hemland så snart Finans- inspektionen har tagit emot en underrättelse från behörig myn- dighet i företagets hemland som anger vilka tjänster betalnings- institutet avser att tillhandahålla i Sverige.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;margin-top: 397px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td136"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td119"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr22 td198"><P style="text-align: right;padding-right: 59px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">28 §</P></TD>
<TD class="tr22 td153"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td67"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td270"><P class="p31 ft6">Ett betalningsinstitut eller</P></TD>
<TD class="tr16 td34"><P class="p21 ft6">en</P></TD>
<TD colspan=3 class="tr16 td42"><P class="p31 ft6">Ett betalningsinstitut eller</P></TD>
<TD class="tr16 td67"><P class="p17 ft6">en</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p21 ft7">registrerad betaltjänstleverantör får</P></TD>
<TD class="tr15 td55"><P class="p3 ft3">registrerad</P></TD>
<TD colspan=2 class="tr15 td24"><P class="p3 ft7">betaltjänstleverantör</P></TD>
<TD class="tr15 td67"><P class="p17 ft3">får</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft6">uppdra åt någon annan att utföra</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p3 ft7">uppdra åt någon annan att utföra ett</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft7">ett visst arbete eller vissa operativa</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p3 ft6">visst arbete eller vissa operativa</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p21 ft3">funktioner som ingår i dess</P></TD>
<TD colspan=4 class="tr15 td72"><P class="p3 ft3">funktioner som ingår i dess</P></TD>
</TR>
<TR>
<TD class="tr16 td136"><P class="p3 ft6">verksamhet</P></TD>
<TD class="tr16 td14"><P class="p3 ft6">med</P></TD>
<TD colspan=2 class="tr16 td106"><P class="p21 ft7">betaltjänster.</P></TD>
<TD class="tr16 td55"><P class="p3 ft7">verksamhet</P></TD>
<TD class="tr16 td153"><P class="p191 ft6">med</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p17 ft7">betaltjänster.</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td169"><P class="p3 ft6">Betalningsinstitutet</P></TD>
<TD class="tr16 td119"><P class="p1 ft6">eller</P></TD>
<TD class="tr16 td34"><P class="p21 ft7">den</P></TD>
<TD colspan=2 class="tr16 td77"><P class="p3 ft6">Betalningsinstitutet</P></TD>
<TD class="tr16 td123"><P class="p3 ft6">eller</P></TD>
<TD class="tr16 td67"><P class="p17 ft7">den</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td60"><P class="p21 ft7">registrerade betaltjänstleverantören</P></TD>
<TD class="tr20 td55"><P class="p3 ft7">registrerade</P></TD>
<TD colspan=3 class="tr20 td64"><P class="p17 ft5">betaltjänstleverantören</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_511" style="position:relative; overflow: hidden;margin: 48px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD class="tr2 td60"><P class="p3 ft3">ska anmäla sådana uppdragsavtal</P></TD>
<TD class="tr2 td70"><P class="p3 ft3">ska</P></TD>
<TD class="tr2 td119"><P class="p3 ft3">anmäla</P></TD>
<TD class="tr2 td65"><P class="p3 ft3">sådana</P></TD>
<TD class="tr2 td57"><P class="p17 ft7">uppdragsavtal</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">till Finansinspektionen.</P></TD>
<TD colspan=4 class="tr15 td61"><P class="p3 ft3">till Finansinspektionen. <SPAN class="ft4">En sådan</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft4">anmälan behöver inte göras av en</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td208"><P class="p3 ft4">registrerad</P></TD>
<TD colspan=2 class="tr16 td85"><P class="p17 ft4">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft4">som</P></TD>
<TD colspan=2 class="tr15 td84"><P style="text-align: left;padding-left: 29px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">bara</P></TD>
<TD class="tr15 td57"><P class="p17 ft41">tillhandahåller</P></TD>
</TR>
<TR>
<TD class="tr21 td60"><P class="p3 ft22"> </P></TD>
<TD colspan=4 class="tr21 td61"><P class="p3 ft62">kontoinformationstjänster.</P></TD>
</TR>
</TABLE>
<P class="p514 ft6">Uppdrag åt någon annan att utföra sådana funktioner som är av väsentlig betydelse för betaltjänstverksamheten får bara ges om betal- ningsinstitutet eller den registrerade betaltjänstleverantören ansvarar för att</P>
<P class="p514 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">verksamheten drivs av uppdragstagaren under kontrollerade och säkerhetsmässigt betryggande former, och</SPAN></P>
<P class="p514 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">uppdraget inte väsentligt försämrar kvaliteten på betalningsinsti- tutets eller den registrerade betaltjänstleverantörens internkontroll och Finansinspektionens möjligheter att övervaka att betalningsinstitutet eller den registrerade betaltjänstleverantören följer de regler som gäller för verksamheten.</SPAN></P>
<P class="p236 ft4">28 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Om ett betalningsinstitut eller en registrerad betaltjänstleverantör avser att ändra den uppdragsverk- samhet som avses i 28 § ska insti- tutet eller leverantören underrätta Finansinspektionen innan änd- ringen genomförs.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om ändringen rör ett betal- ningsinstituts verksamhet i ett annat land inom EES, ska Finans- inspektionen inom en månad från det att underrättelsen togs emot underrätta den behöriga myndig- heten i det andra landet om änd- ringen.</P>
<P style="text-align: left;padding-left: 185px;margin-top: 16px;margin-bottom: 0px;" class="ft3">29 §</P>
<P style="text-align: left;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Regeringen eller den myndighet som regeringen bestämmer får meddela föreskrifter om</P>
<P class="p79 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">beräkningen av kapitalkrav enligt 2 § första stycket,</SPAN></P>
<P class="p514 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">hur betalningsinstitut och registrerade betaltjänstleverantörer ska hantera medel enligt 6 §,</SPAN></P>
<P class="p514 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">hur betalningsinstitut och registrerade betaltjänstleverantörer ska hantera de medel för genomförandet av betalningstransaktioner som avses i 7 § andra stycket och hur stor andel av medlen hos betalningsinstitut eller registrerade betaltjänstleverantörer som omfattas av skyddskraven enligt 7 § tredje stycket,</SPAN></P>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P class="p77 ft3">4. vilka uppgifter som ska anses relevanta enligt 8 §, <SPAN class="ft4">och</SPAN></P>
<P style="text-align: left;padding-left: 11px;margin-top: 44px;margin-bottom: 0px;" class="ft3"><SPAN class="ft4">5</SPAN>. vad ett betalningsinstitut eller</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p514 ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft48">vilka uppgifter som ska anses relevanta enligt 8 §,</SPAN></P>
<P class="p514 ft4"><SPAN class="ft4">5.</SPAN><SPAN class="ft53">vilka uppgifter som ska lämnas utöver vad som framgår av 19 § andra stycket, och</SPAN></P>
<P style="text-align: justify;padding-left: 11px;margin-top: 1px;margin-bottom: 0px;" class="ft3"><SPAN class="ft4">6.</SPAN><SPAN class="ft48">vad ett betalningsinstitut eller</SPAN></P>
</DIV>
</DIV>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">511</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_512" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">512</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=3 class="tr2 td60"><P class="p3 ft3">en registrerad betaltjänstleverantör</P></TD>
<TD colspan=3 class="tr2 td72"><P class="p3 ft7">en registrerad betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft3">ska iaktta och vilka krav som</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p3 ft3">ska iaktta och vilka krav som</P></TD>
</TR>
<TR>
<TD class="tr16 td71"><P class="p3 ft6">betalningsinstitutet</P></TD>
<TD class="tr16 td50"><P class="p41 ft6">eller</P></TD>
<TD class="tr16 td135"><P class="p21 ft7">den</P></TD>
<TD class="tr16 td71"><P class="p3 ft6">betalningsinstitutet</P></TD>
<TD class="tr16 td104"><P class="p75 ft6">eller</P></TD>
<TD class="tr16 td13"><P class="p17 ft7">den</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">registrerade betaltjänstleverantören</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft7">registrerade betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD class="tr15 td71"><P class="p3 ft3">ska uppfylla vid</P></TD>
<TD colspan=2 class="tr15 td190"><P class="p21 ft7">uppdragsavtal</P></TD>
<TD class="tr15 td71"><P class="p3 ft3">ska uppfylla vid</P></TD>
<TD colspan=2 class="tr15 td79"><P class="p27 ft7">uppdragsavtal</P></TD>
</TR>
<TR>
<TD class="tr20 td71"><P class="p3 ft3">enligt 28 §.</P></TD>
<TD class="tr20 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td71"><P class="p3 ft3">enligt 28 §.</P></TD>
<TD class="tr20 td104"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 180px;margin-top: 9px;margin-bottom: 0px;" class="ft42">4 kap.</P>
<P style="text-align: left;padding-left: 189px;margin-top: 0px;margin-bottom: 0px;" class="ft3">1 §</P>
<P class="p213 ft3">En betaltjänstleverantör får inte ta ut någon avgift av en betal- tjänstanvändare för att tillhandahålla information enligt detta kapitel.</P>
<P class="p213 ft6">En betaltjänstleverantör får dock, om leverantören och betal- tjänstanvändaren kommit överens om det, ta ut avgifter för information som lämnas på begäran av användaren och som är mer omfattande eller ges mer frekvent än enligt detta kapitel eller för information som ges med hjälp av andra kommunikationsmedel än de som anges i ett ramavtal.</P>
<P class="p213 ft3">Avgifter enligt andra stycket ska vara skäliga och motsvara betal- tjänstleverantörens faktiska kostnader.</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr28 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td107"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td65"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr28 td72"><P class="p27 ft4">En betaltjänstleverantör får inte</P></TD>
</TR>
<TR>
<TD class="tr16 td140"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td107"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td72"><P class="p27 ft4">ta ut någon avgift för att till-</P></TD>
</TR>
<TR>
<TD class="tr16 td140"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td107"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td72"><P class="p27 ft4">handahålla informationsmaterial</P></TD>
</TR>
<TR>
<TD class="tr15 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td107"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft4">som</P></TD>
<TD class="tr15 td98"><P class="p3 ft4">utarbetats</P></TD>
<TD class="tr15 td105"><P class="p3 ft4">av</P></TD>
<TD colspan=2 class="tr15 td125"><P class="p27 ft41">Europeiska</P></TD>
</TR>
<TR>
<TD class="tr28 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td107"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td65"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td113"><P class="p3 ft4">kommissionen.</P></TD>
<TD class="tr28 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td107"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td65"><P class="p17 ft3">2 §</P></TD>
<TD class="tr27 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td98"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td140"><P class="p31 ft6">Om</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr16"><P class="p21 ft5">betalningsmottagaren</P></TD>
<TD class="tr16 td135"><P class="p31 ft6">Om</P></TD>
<TD colspan=4 class="tr16 td266"><P class="p17 ft6">betalningsmottagaren</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">erbjuder <SPAN class="ft4">en </SPAN>nedsättning av en</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft6">erbjuder nedsättning av en avgift</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft3">avgift vid användning av ett visst</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft3">vid användning av ett visst</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td216"><P class="p3 ft6">betalningsinstrument, ska</P></TD>
<TD class="tr16 td65"><P class="p21 ft6">mot-</P></TD>
<TD colspan=3 class="tr16 td179"><P class="p3 ft6">betalningsinstrument,</P></TD>
<TD class="tr16 td135"><P class="p146 ft6">ska</P></TD>
<TD class="tr16 td105"><P class="p27 ft5">mot-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td216"><P class="p3 ft6">tagaren informera betalaren</P></TD>
<TD class="tr16 td65"><P class="p21 ft6">om</P></TD>
<TD colspan=4 class="tr16 td216"><P class="p3 ft6">tagaren informera betalaren</P></TD>
<TD class="tr16 td105"><P class="p17 ft6">om</P></TD>
</TR>
<TR>
<TD class="tr15 td140"><P class="p3 ft3">detta innan</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr15"><P class="p21 ft7">betalningstransaktionen</P></TD>
<TD class="tr15 td135"><P class="p3 ft3">detta</P></TD>
<TD class="tr15 td98"><P class="p25 ft3">innan</P></TD>
<TD colspan=3 class="tr15 td84"><P class="p27 ft7">betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr21 td140"><P class="p3 ft23">påbörjas.</P></TD>
<TD class="tr21 td107"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td65"><P class="p3 ft22"> </P></TD>
<TD colspan=2 class="tr21 td113"><P class="p3 ft24">aktionen påbörjas.</P></TD>
<TD class="tr21 td105"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td135"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td105"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p463 ft70">Om en betaltjänstleverantör begär en avgift vid användning av ett visst betalningsinstrument, ska denne informera betaltjänstanvändaren om detta</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=4 class="tr28 td238"><P class="p3 ft3">innan betalningstransaktionen påbörjas.</P></TD>
<TD class="tr28 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td137"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td206"><P class="p235 ft41">Betaltjänstanvändaren</P></TD>
<TD colspan=2 class="tr16 td153"><P class="p17 ft4">är skyldig</P></TD>
</TR>
<TR>
<TD class="tr15 td137"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td153"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td60"><P class="p148 ft4">att betala en sådan avgift som</P></TD>
</TR>
<TR>
<TD class="tr16 td137"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td60"><P class="p148 ft4">avses i andra stycket endast om</P></TD>
</TR>
<TR>
<TD class="tr16 td137"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td206"><P class="p148 ft4">betaltjänstleverantören</P></TD>
<TD colspan=2 class="tr16 td153"><P class="p17 ft4">informerar</P></TD>
</TR>
<TR>
<TD class="tr15 td137"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td153"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td60"><P class="p148 ft4">användaren om avgiftens full-</P></TD>
</TR>
<TR>
<TD class="tr16 td137"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td153"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td60"><P class="p148 ft4">ständiga belopp innan betalnings-</P></TD>
</TR>
<TR>
<TD class="tr20 td137"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td153"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td206"><P class="p148 ft41">transaktionen påbörjas.</P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 rowspan=2 class="tr36 td72"><P class="p17 ft3">Om valutaväxling erbjuds före</P></TD>
<TD class="tr29 td128"><P class="p3 ft3">3 §</P></TD>
<TD class="tr29 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td222"><P class="p235 ft6">Om valutaväxling erbjuds</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">före</P></TD>
</TR>
<TR>
<TD class="tr15 td137"><P class="p3 ft3">påbörjandet</P></TD>
<TD class="tr15 td177"><P class="p3 ft3">av</P></TD>
<TD class="tr15 td153"><P class="p17 ft7">betalnings-</P></TD>
<TD class="tr15 td128"><P class="p148 ft3">påbörjandet</P></TD>
<TD class="tr15 td177"><P class="p3 ft3">av</P></TD>
<TD colspan=2 class="tr15 td153"><P class="p27 ft7">betalnings-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td72"><P class="p17 ft6">transaktionen och på platsen för</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p148 ft5">transaktionen och <SPAN class="ft41">om den erbjuds i</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td72"><P class="p17 ft6">försäljningen eller av betalnings-</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p148 ft4">en uttagsautomat<SPAN class="ft6">, på platsen för</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td72"><P class="p17 ft7">mottagaren, ska den som erbjuder</P></TD>
<TD class="tr15 td128"><P class="p148 ft3">försäljningen</P></TD>
<TD class="tr15 td177"><P class="p1 ft3">eller</P></TD>
<TD class="tr15 td142"><P class="p75 ft3">av</P></TD>
<TD class="tr15 td27"><P class="p17 ft3">be-</P></TD>
</TR>
<TR>
<TD class="tr28 td137"><P class="p3 ft5">betalaren denna</P></TD>
<TD class="tr28 td177"><P class="p93 ft5">tjänst</P></TD>
<TD class="tr28 td153"><P class="p17 ft3">informera</P></TD>
<TD colspan=2 class="tr28 td206"><P class="p148 ft7">talningsmottagaren, ska</P></TD>
<TD class="tr28 td142"><P class="p93 ft3">den</P></TD>
<TD class="tr28 td27"><P class="p17 ft7">som</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_513" style="position:relative; overflow: hidden;margin: 48px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr2 td60"><P class="p3 ft3">betalaren om alla avgifter för</P></TD>
<TD class="tr2 td61"><P class="p3 ft3">erbjuder betalaren denna tjänst</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">tjänsten samt den växelkurs som</P></TD>
<TD class="tr15 td61"><P class="p3 ft3">informera betalaren om alla av-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">ska användas.</P></TD>
<TD class="tr16 td61"><P class="p3 ft6">gifter för tjänsten samt <SPAN class="ft4">om </SPAN>den</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft66"> </P></TD>
<TD class="tr16 td61"><P class="p3 ft6">växelkurs som ska användas.</P></TD>
</TR>
</TABLE>
<P class="p514 ft3">Betalaren ska godkänna valutaväxlingstjänsten innan betalnings- transaktionen genomförs.</P>
<P class="p433 ft4">4 a §</P>
<P style="text-align: left;padding-left: 205px;padding-right: 13px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Innan en betalningsorder initieras ska en leverantör av betalningsinitieringstjänster utöver vad som anges i 4 § informera betalaren om</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 1px;margin-bottom: 0px;text-indent: 15px;" class="ft50">1. namnet på leverantören av betalningsinitieringstjänster,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">2. besöksadressen till dess huvudkontor och, i tillämpliga fall, besöksadressen till dess ombud eller filial, etablerade i den medlemsstat där betaltjänsten er- bjuds,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft50">3. övriga kontaktuppgifter som är relevanta för kommunikation med leverantören av betalnings- initieringstjänster, och</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft56">4. kontaktuppgifter till Finans- inspektionen.</P>
<P class="p340 ft4">4 b §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Innan ett avtal om en enstaka leverans av en kontoinformations- tjänst ingås, ska en leverantör av kontoinformationstjänster informera betaltjänstanvändaren om</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft50">1. vilka uppgifter användaren ska lämna för att kontoinforma- tionstjänsten ska kunna utföras korrekt,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">2. hur lång tid det längst tar att utföra tjänsten, och</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">3. de sammanlagda avgifter som användaren ska betala till leve- rantören för tjänsten.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Leverantören ska också ge betaltjänstanvändaren detaljerad information om avgifterna enligt första stycket, när de olika avgif- terna lätt kan särskiljas och redo- visas separat.</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">513</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_514" style="position:relative; overflow: hidden;margin: 48px 0px 77px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">514</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr2 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td115"><P class="p31 ft4">Leverantören</P></TD>
<TD class="tr2 td68"><P class="p146 ft4">ska</P></TD>
<TD class="tr2 td65"><P class="p1 ft4">också</P></TD>
<TD class="tr2 td105"><P class="p27 ft41">göra</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td72"><P class="p3 ft4">information enligt 10 § tillgänglig</P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td115"><P class="p3 ft4">för användaren.</P></TD>
<TD class="tr28 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td60"><P class="p17 ft3">5 §</P></TD>
<TD class="tr27 td136"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">Information enligt <SPAN class="ft4">4 § </SPAN>ska</P></TD>
<TD class="tr16 td136"><P class="p31 ft6">Information</P></TD>
<TD colspan=4 class="tr16 td63"><P class="p17 ft6">enligt <NOBR><SPAN class="ft4">4–4</SPAN></NOBR><SPAN class="ft4"> a §§ </SPAN>ska</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft5">tillhandahållas på ett lättillgängligt</P></TD>
<TD class="tr16 td136"><P class="p3 ft7">tillhandahållas</P></TD>
<TD colspan=2 class="tr16 td81"><P class="p1 ft6">på ett</P></TD>
<TD colspan=2 class="tr16 td140"><P class="p17 ft7">lättillgängligt</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft3">sätt <SPAN class="ft4">och </SPAN>vara tydlig och lätt att</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p3 ft3">sätt <SPAN class="ft4">samt </SPAN>vara tydlig och lätt att</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft7">förstå. Den ska vara på svenska eller</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p3 ft6">förstå. Den ska vara på svenska</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft7">på något annat språk som parterna</P></TD>
<TD colspan=2 class="tr16 td115"><P class="p3 ft6">eller på något</P></TD>
<TD class="tr16 td68"><P class="p3 ft7">annat</P></TD>
<TD class="tr16 td65"><P class="p75 ft6">språk</P></TD>
<TD class="tr16 td105"><P class="p17 ft6">som</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p238 ft7">kommer överens om.</P></TD>
<TD colspan=4 class="tr16 td216"><P class="p3 ft7">parterna kommer överens om.</P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p606 ft6">På begäran av betaltjänstanvändaren ska informationen tillhandahållas</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=7 class="tr20 td259"><P class="p3 ft3">på papper eller något annat varaktigt medium.</P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 rowspan=2 class="tr37 td72"><P class="p17 ft3">Om ett avtal om en enstaka</P></TD>
<TD class="tr27 td265"><P class="p3 ft3">6 §</P></TD>
<TD class="tr27 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p27 ft6">Om ett avtal om en enstaka</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td201"><P class="p3 ft3">betalningstransaktion</P></TD>
<TD class="tr15 td142"><P class="p94 ft7">ingås</P></TD>
<TD class="tr15 td13"><P class="p17 ft3">på</P></TD>
<TD colspan=2 class="tr15 td217"><P class="p148 ft3">betalningstransaktion</P></TD>
<TD class="tr15 td142"><P class="p94 ft7">ingås</P></TD>
<TD class="tr15 td13"><P class="p17 ft3">på</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td72"><P class="p3 ft6">distans på begäran av betal-</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p27 ft6">distans på begäran av betal-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td72"><P class="p3 ft5">tjänstanvändaren, och detta gör att</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p17 ft6">tjänstanvändaren, och detta gör att</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td201"><P class="p3 ft3">betaltjänstleverantören</P></TD>
<TD class="tr15 td142"><P class="p135 ft5">inte</P></TD>
<TD class="tr15 td13"><P class="p17 ft5">kan</P></TD>
<TD colspan=2 class="tr15 td217"><P class="p148 ft3">betaltjänstleverantören</P></TD>
<TD class="tr15 td142"><P class="p135 ft5">inte</P></TD>
<TD class="tr15 td13"><P class="p17 ft5">kan</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td72"><P class="p3 ft6">uppfylla kraven i 4 och 5 §§, ska</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p17 ft6">uppfylla kraven i 4, <SPAN class="ft4">4 a </SPAN>och 5 §§,</P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft6">dessa</P></TD>
<TD class="tr16 td75"><P class="p3 ft6">krav</P></TD>
<TD class="tr16 td14"><P class="p3 ft6">i stället</P></TD>
<TD colspan=2 class="tr16 td104"><P class="p71 ft6">uppfyllas</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">av</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p17 ft6">ska dessa krav i stället uppfyllas av</P></TD>
</TR>
<TR>
<TD class="tr15 td142"><P class="p3 ft3">denne</P></TD>
<TD colspan=2 class="tr15 td57"><P class="p70 ft3">omedelbart</P></TD>
<TD colspan=2 class="tr15 td104"><P class="p3 ft3">efter det</P></TD>
<TD class="tr15 td13"><P class="p17 ft3">att</P></TD>
<TD class="tr15 td265"><P class="p148 ft3">denne omedelbart</P></TD>
<TD colspan=2 class="tr15 td50"><P class="p3 ft3">efter det</P></TD>
<TD class="tr15 td13"><P class="p17 ft3">att</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr20 td270"><P class="p3 ft3">betaltjänsten har genomförts.</P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 185px;vertical-align: bottom;" class="tr20"><P class="p148 ft3">betaltjänsten har genomförts.</P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td265"><P class="p3 ft3">7 §</P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td72"><P class="p17 ft5">Så snart som möjligt efter det att</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p27 ft6">Så snart som möjligt efter det att</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td72"><P class="p3 ft5">en betalningsorder har tagits emot</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p27 ft6">en betalningsorder har tagits emot</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td72"><P class="p3 ft7">ska betalarens betaltjänstleverantör</P></TD>
<TD colspan=4 class="tr15 td60"><P class="p17 ft4"><SPAN class="ft3">ska betalarens </SPAN>kontoförvaltande</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td208"><P class="p3 ft7">tillhandahålla</P></TD>
<TD colspan=2 class="tr16 td125"><P class="p73 ft7">betalaren</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p17 ft6">följande</P></TD>
<TD class="tr16 td265"><P class="p148 ft5">betaltjänstleverantör</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p17 ft6">tillhandahålla</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr21 td208"><P class="p3 ft23">information:</P></TD>
<TD class="tr21 td14"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td11"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td142"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td13"><P class="p3 ft22"> </P></TD>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 185px;vertical-align: bottom;" class="tr21"><P class="p148 ft24">betalaren följande information:</P></TD>
<TD class="tr21 td13"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p1084 ft5"><SPAN class="ft5">1.</SPAN><SPAN class="ft147">en uppgift som gör det möjligt att identifiera betalningstransaktionen samt, när det är lämpligt, uppgifter som avser betalningsmottagaren,</SPAN></P>
<P class="p461 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">transaktionens belopp i den valuta som används i betalningsordern,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft33">det avgiftsbelopp som betalaren ska betala till leverantören för transaktionen, och</SPAN></P>
<P class="p461 ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft32">datum när betalningsordern togs emot.</SPAN></P>
<P class="p213 ft6">Leverantören ska även ge betalaren detaljerad information om avgiftsbeloppet enligt första stycket 3, när de olika avgifterna lätt kan särskiljas och redovisas separat.</P>
<P class="p1123 ft3">Om betalningstransaktionen innebär valutaväxling ska leverantören ge betalaren information om den faktiska växelkurs eller referensväxelkurs som ska gälla för transaktionen.</P>
<P style="text-align: left;padding-left: 205px;margin-top: 12px;margin-bottom: 0px;" class="ft4">7 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft50">En leverantör av betalnings- initieringstjänster ska tillhandahålla betalaren följande information omedelbart efter det att en betalningsorder initierats: 1. en bekräftelse på att betalningsordern</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_515" style="position:relative; overflow: hidden;margin: 49px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;" class="ft39">initierats med betalarens kontoför- valtande betaltjänstleverantör,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">2. en referens som gör det möj- ligt för betalaren att identifiera betalningstransaktionen,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft50">3. den information som överförts tillsammans med betalnings- transaktionen,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">4. uppgift om betalningstrans- aktionens belopp, och</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">5. uppgift om den avgift som ska betalas till leverantören av be- talningsinitieringstjänster för trans- aktionen.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 11px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft39">Leverantören ska även ge be- talaren detaljerad information om avgiftsbeloppet enligt första stycket 5, när de olika avgifterna lätt kan särskiljas och redovisas separat.</P>
<P class="p231 ft4">7 b §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft50">När en betalningsorder initieras via en leverantör av betalnings- initieringstjänster ska referensen för betalningstransaktionen göras tillgänglig för betalarens konto- förvaltande betaltjänstleverantör.</P>
<P class="p340 ft4">8 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft4">En leverantör av betalnings- initieringstjänster ska, omedelbart efter att en betalningsorder har initierats, tillhandahålla betal- ningsmottagaren följande infor- mation:</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft4">1. en referens som gör det möj- ligt för betalningsmottagaren att identifiera betalaren och betal- ningstransaktionen, och</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft50">2. den information som överförts tillsammans med betalnings- transaktionen.</P>
<P style="text-align: left;padding-left: 185px;margin-top: 11px;margin-bottom: 0px;" class="ft3">10 §</P>
<P style="text-align: left;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft3">I rimlig tid innan ett ramavtal sluts ska betaltjänstleverantören ge betaltjänstanvändaren följande information:</P>
<P class="p514 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">leverantörens namn och adress och, i tillämpliga fall, adress till dess ombud eller filial,</SPAN></P>
<P class="p611 ft70"><SPAN class="ft5">2.</SPAN><SPAN class="ft91">uppgift om att leverantören har tillstånd att tillhandahålla betaltjänster och att leverantören, dess filialer och ombud har registrerats hos behörig</SPAN></P>
<P class="p15 ft3">myndighet,</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">515</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_516" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 49px;padding: 0px;border:none;width: 575px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 113px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 3</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p606 ft3">3. en beskrivning av det huvudsakliga innehållet i den betaltjänst som</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=3 class="tr20 td210"><P class="p3 ft3">tillhandahålls,</P></TD>
<TD class="tr20 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=4 rowspan=2 class="tr34 td72"><P class="p17 ft5">4. vilka uppgifter som användaren</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft5">4. vilka uppgifter som användaren</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">ska uppge för att en betalnings-</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p17 ft6">ska uppge för att en betalnings-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">order ska kunna utföras korrekt,</P></TD>
<TD colspan=4 class="tr15 td72"><P class="p17 ft4"><SPAN class="ft3">order </SPAN>eller en kontoinforma-</P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td72"><P class="p17 ft7"><SPAN class="ft72">tionstjänst </SPAN>ska kunna utföras korrekt,</P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p31 ft6">5. hur</P></TD>
<TD class="tr16 td27"><P class="p74 ft6">ett</P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p27 ft7">godkännande</P></TD>
<TD class="tr16 td119"><P class="p21 ft6">att</P></TD>
<TD class="tr16 td73"><P class="p31 ft6">5. hur</P></TD>
<TD class="tr16 td105"><P class="p90 ft6">ett</P></TD>
<TD class="tr16 td137"><P class="p218 ft6">godkännande</P></TD>
<TD class="tr16 td70"><P class="p17 ft6">att</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td79"><P class="p3 ft3">genomföra</P></TD>
<TD class="tr15 td6"><P class="p3 ft7">en</P></TD>
<TD colspan=2 class="tr15 td209"><P class="p21 ft3">betalningstrans-</P></TD>
<TD class="tr15 td73"><P class="p3 ft4">initiera</P></TD>
<TD colspan=2 class="tr15 td96"><P class="p154 ft4">en betalningsorder</P></TD>
<TD class="tr15 td70"><P class="p27 ft41">eller</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">aktion ges samt hur det kan</P></TD>
<TD colspan=2 class="tr16 td18"><P class="p3 ft6">genomföra</P></TD>
<TD colspan=2 class="tr16 td139"><P class="p27 ft6">en betalningstrans-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">återkallas enligt <SPAN class="ft4">5 kap. </SPAN><NOBR><SPAN class="ft4">13–15</SPAN></NOBR><SPAN class="ft4"> §§,</SPAN></P></TD>
<TD colspan=4 class="tr16 td72"><P class="p27 ft6">aktion ges samt hur det kan</P></TD>
</TR>
<TR>
<TD class="tr15 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td72"><P class="p3 ft3">återkallas enligt <SPAN class="ft4">5 kap. </SPAN><NOBR><SPAN class="ft4">32–34</SPAN></NOBR><SPAN class="ft4"> §§,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p31 ft6">6. när</P></TD>
<TD class="tr16 td27"><P class="p3 ft6">en</P></TD>
<TD colspan=2 class="tr16 td87"><P class="p17 ft7">betalningsorder</P></TD>
<TD class="tr16 td119"><P class="p21 ft6">ska</P></TD>
<TD class="tr16 td73"><P class="p31 ft6">6. när</P></TD>
<TD class="tr16 td105"><P class="p70 ft6">en</P></TD>
<TD class="tr16 td137"><P class="p76 ft7">betalningsorder</P></TD>
<TD class="tr16 td70"><P class="p17 ft6">ska</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td210"><P class="p3 ft7">anses mottagen</P></TD>
<TD colspan=2 class="tr16 td209"><P class="p21 ft4"><SPAN class="ft6">enligt </SPAN>5 kap. 9§</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p27 ft5">anses mottagen enligt <SPAN class="ft41">5 kap. 28 §</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td210"><P class="p3 ft3">första stycket,</P></TD>
<TD class="tr15 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td30"><P class="p3 ft3">första stycket,</P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">7. tidpunkter för mottagande av</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p27 ft6">7. tidpunkter för mottagande av</P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p3 ft6">en order</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p71 ft6">enligt</P></TD>
<TD class="tr16 td165"><P class="p154 ft4">5 kap. 9 §</P></TD>
<TD class="tr16 td119"><P class="p21 ft7">tredje</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p17 ft6">en order enligt <SPAN class="ft4">5 kap. 28 § </SPAN>tredje</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft5">stycket, om sådana har fastställts av</P></TD>
<TD colspan=4 class="tr15 td72"><P class="p27 ft5">stycket, om sådana har fastställts</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td79"><P class="p3 ft6">leverantören,</P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td165"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td30"><P class="p3 ft6">av leverantören,</P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">8. hur lång tid det som längst tar</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p17 ft6">8. hur lång tid det som längst tar</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td197"><P class="p3 ft5">att genomföra en transaktion,</P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td72"><P class="p27 ft5">att genomföra en transaktion <SPAN class="ft41">eller</SPAN></P></TD>
</TR>
<TR>
<TD class="tr21 td9"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td27"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td6"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td165"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td119"><P class="p3 ft22"> </P></TD>
<TD colspan=3 class="tr21 td30"><P class="p3 ft62">en kontoinformationstjänst<SPAN class="ft23">,</SPAN></P></TD>
<TD class="tr21 td70"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p606 ft3">9. möjligheten att avtala om begränsningar i användningen av</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR height=0>
<TD width=67px></TD>
<TD width=23px></TD>
<TD width=45px></TD>
<TD width=70px></TD>
<TD width=25px></TD>
<TD width=31px></TD>
<TD width=31px></TD>
<TD width=40px></TD>
<TD width=35px></TD>
<TD width=27px></TD>
</TR>
<TR>
<TD colspan=4 class="tr28 td60"><P class="p3 ft3">betalningsinstrumentet enligt 19 §,</P></TD>
<TD colspan=6 rowspan=2 class="tr31 td72"><P class="p17 ft4">10. användarens rättigheter en-</P></TD>
</TR>
<TR>
<TD class="tr38 td98"><P class="p3 ft85"> </P></TD>
<TD class="tr38 td162"><P class="p3 ft85"> </P></TD>
<TD class="tr38 td119"><P class="p3 ft85"> </P></TD>
<TD class="tr38 td208"><P class="p3 ft85"> </P></TD>
</TR>
<TR>
<TD class="tr15 td98"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td208"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft41">ligt artikel 8 i Europaparlamentets</P></TD>
</TR>
<TR>
<TD class="tr15 td98"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td208"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft4">och</P></TD>
<TD colspan=2 class="tr15 td149"><P class="p172 ft41">rådets</P></TD>
<TD colspan=2 class="tr15 td79"><P class="p3 ft4">förordning</P></TD>
<TD class="tr15 td126"><P class="p17 ft4">(EU)</P></TD>
</TR>
<TR>
<TD class="tr16 td98"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">2015/751 av den 29 april 2015 om</P></TD>
</TR>
<TR>
<TD class="tr16 td98"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td134"><P class="p3 ft4">förmedlingsavgifter</P></TD>
<TD class="tr16 td135"><P class="p3 ft4">för</P></TD>
<TD class="tr16 td126"><P class="p17 ft4">kort-</P></TD>
</TR>
<TR>
<TD class="tr15 td98"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td208"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td50"><P class="p3 ft4">baserade</P></TD>
<TD colspan=4 class="tr15 td17"><P class="p27 ft41">betalningstransaktioner<SPAN style="font: italic 9px 'Times New Roman';line-height: 10px;position: relative; bottom: 5px;">10</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td98"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft4">vid</P></TD>
<TD colspan=5 class="tr16 td30"><P class="p17 ft4">användning av kortbaserade</P></TD>
</TR>
<TR>
<TD class="tr16 td98"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td134"><P class="p3 ft4">betalningsinstrument</P></TD>
<TD class="tr16 td135"><P class="p71 ft4">med</P></TD>
<TD class="tr16 td126"><P class="p17 ft4">co-</P></TD>
</TR>
<TR>
<TD class="tr15 td98"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td208"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td50"><P class="p3 ft4">badging,</P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft6"><SPAN class="ft4">10</SPAN>. vilka avgifter som använd-</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft6"><SPAN class="ft4">11</SPAN>. vilka avgifter som använd-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft6">aren ska betala till leverantören</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft6">aren ska betala till leverantören</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p21 ft3">och, när det är tillämpligt, detalj-</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft3">och, när det är tillämpligt, detalj-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td159"><P class="p3 ft6">uppgifter om dessa,</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td134"><P class="p3 ft6">uppgifter om dessa,</P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft6"><SPAN class="ft4">11</SPAN>. de räntor och växelkurser</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft6"><SPAN class="ft4">12</SPAN>. de räntor och växelkurser</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p21 ft3">som ska tillämpas eller, om refe-</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft3">som ska tillämpas eller, om refe-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td137"><P class="p3 ft6">rensräntesatser</P></TD>
<TD class="tr16 td119"><P class="p90 ft6">och</P></TD>
<TD class="tr16 td208"><P class="p21 ft6">referens-</P></TD>
<TD colspan=3 class="tr16 td84"><P class="p3 ft7">rensräntesatser</P></TD>
<TD class="tr16 td90"><P class="p73 ft6">och</P></TD>
<TD colspan=2 class="tr16 td149"><P class="p17 ft6">referens-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft6">växelkurser ska användas, meto-</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft5">växelkurser ska användas, meto-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p21 ft3">den för beräkning av den faktiska</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft3">den för beräkning av den faktiska</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft7">räntan och relevant dag, index eller</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft7">räntan och relevant dag, index eller</P></TD>
</TR>
<TR>
<TD class="tr16 td98"><P class="p3 ft6">underlag</P></TD>
<TD class="tr16 td162"><P class="p3 ft6">för</P></TD>
<TD class="tr16 td119"><P class="p31 ft6">att</P></TD>
<TD class="tr16 td208"><P class="p21 ft7">bestämma</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p3 ft6">underlag</P></TD>
<TD class="tr16 td164"><P class="p130 ft6">för</P></TD>
<TD class="tr16 td90"><P class="p25 ft6">att</P></TD>
<TD colspan=2 class="tr16 td149"><P class="p27 ft6">bestämma</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td137"><P class="p3 ft3">referensräntan</P></TD>
<TD class="tr15 td119"><P class="p636 ft3">eller</P></TD>
<TD class="tr15 td208"><P class="p21 ft3">refe-</P></TD>
<TD colspan=3 class="tr15 td84"><P class="p3 ft3">referensräntan</P></TD>
<TD colspan=2 class="tr15 td79"><P class="p326 ft3">eller</P></TD>
<TD class="tr15 td126"><P class="p17 ft3">refe-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td159"><P class="p3 ft6">rensväxelkursen,</P></TD>
<TD class="tr16 td208"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td134"><P class="p3 ft6">rensväxelkursen,</P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft6"><SPAN class="ft4">12</SPAN>. sådan omedelbar tillämpning</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft6"><SPAN class="ft4">13</SPAN>. sådan omedelbar tillämpning</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td137"><P class="p3 ft3">av ändrade</P></TD>
<TD colspan=2 class="tr20 td139"><P class="p21 ft3">räntesatser eller</P></TD>
<TD class="tr20 td70"><P class="p3 ft3">av</P></TD>
<TD colspan=2 class="tr20 td149"><P class="p326 ft7">ändrade</P></TD>
<TD colspan=2 class="tr20 td79"><P class="p239 ft7">räntesatser</P></TD>
<TD class="tr20 td126"><P class="p27 ft3">eller</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV style="border:none;margin: 28px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P style="text-align: right;padding-right: 240px;margin-top: 0px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">10 </SPAN>EUT L 123, 19.5.2015, s. 1 (Celex 32015R0751).</P>
<P style="text-align: left;padding-left: 36px;margin-top: 0px;margin-bottom: 0px;" class="ft3">516</P>
</DIV>
</DIV>
<DIV id="page_517" style="position:relative; overflow: hidden;margin: 47px 0px 78px 68px;padding: 0px;border: none;width: 505px;">
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD colspan=8 class="tr22 td102"><P class="p3 ft3">växelkurser som kan avtalas om</P></TD>
<TD colspan=4 class="tr22 td112"><P class="p75 ft3">växelkurser som</P></TD>
<TD colspan=4 class="tr22 td141"><P class="p291 ft5">kan avtalas</P></TD>
<TD class="tr22 td23"><P class="p42 ft3">om</P></TD>
<TD class="tr22 td198"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft3">enligt</P></TD>
<TD class="tr15 td135"><P class="p130 ft3">14 §</P></TD>
<TD class="tr15 td23"><P class="p27 ft3">samt</P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p1 ft3">de</P></TD>
<TD colspan=3 class="tr15 td55"><P class="p154 ft3">informa-</P></TD>
<TD class="tr15 td81"><P class="p75 ft3">enligt</P></TD>
<TD colspan=2 class="tr15 td81"><P class="p130 ft3">14 §</P></TD>
<TD colspan=2 class="tr15 td142"><P class="p202 ft7">samt</P></TD>
<TD class="tr15 td27"><P class="p177 ft7">de</P></TD>
<TD colspan=3 class="tr15 td98"><P class="p42 ft3">informa-</P></TD>
<TD class="tr15 td198"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">tionskrav som är förenade med</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p75 ft6">tionskrav som är förenade med</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft6">detta,</P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p75 ft6">detta,</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">13</SPAN>. i förekommande fall, de</P></TD>
<TD colspan=9 class="tr15 td219"><P class="p42 ft3"><SPAN class="ft4">14</SPAN>. i förekommande fall, de</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td253"><P class="p3 ft6">kommunikationsmedel</P></TD>
<TD colspan=2 class="tr16 td66"><P class="p307 ft7">som</P></TD>
<TD class="tr16 td92"><P class="p154 ft6">ska</P></TD>
<TD colspan=6 class="tr16 td97"><P class="p75 ft6">kommunikationsmedel</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p1 ft6">som</P></TD>
<TD class="tr16 td23"><P class="p42 ft6">ska</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">användas för överföring av in-</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p42 ft6">användas för överföring av in-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td140"><P class="p3 ft3">formation</P></TD>
<TD class="tr15 td23"><P class="p308 ft3">och</P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td47"><P class="p154 ft7">underrättelser</P></TD>
<TD colspan=2 class="tr15 td122"><P class="p75 ft3">formation</P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft3">och</P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td15"><P class="p42 ft7">underrättelser</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft5">mellan parterna, inklusive tekniska</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p42 ft5">mellan parterna, inklusive tekniska</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">krav på användarens utrustning,</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p75 ft6">krav på användarens utrustning,</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">14</SPAN>. hur ofta och på vilket sätt</P></TD>
<TD colspan=9 class="tr15 td219"><P class="p42 ft3"><SPAN class="ft4">15</SPAN>. hur ofta och på vilket sätt</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">som information enligt denna lag</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p42 ft6">som information enligt denna lag</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">ska lämnas till eller göras till-</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p42 ft6">ska lämnas till eller göras till-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td253"><P class="p3 ft3">gänglig för användaren,</P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td97"><P class="p75 ft3">gänglig för användaren,</P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p154 ft6"><SPAN class="ft4">15</SPAN>. vilket språk som ska an-</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p42 ft6"><SPAN class="ft4">16</SPAN>. vilket språk som ska an-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">vändas i ramavtalet samt på vilket</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p42 ft6">vändas i ramavtalet samt på vilket</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft3">språk</P></TD>
<TD colspan=5 class="tr15 td143"><P class="p93 ft3">kommunikationen</P></TD>
<TD colspan=2 class="tr15 td119"><P class="p154 ft7">mellan</P></TD>
<TD class="tr15 td81"><P class="p75 ft3">språk</P></TD>
<TD colspan=6 class="tr15 td143"><P class="p93 ft3">kommunikationen</P></TD>
<TD colspan=2 class="tr15 td58"><P class="p42 ft7">mellan</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td140"><P class="p3 ft5">leverantören</P></TD>
<TD colspan=5 class="tr16 td198"><P class="p76 ft6">och användaren</P></TD>
<TD class="tr16 td92"><P class="p154 ft6">ska</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p75 ft6">leverantören</P></TD>
<TD class="tr16 td33"><P class="p3 ft6">och</P></TD>
<TD colspan=4 class="tr16 td141"><P style="text-align: center;padding-left: 5px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">användaren</P></TD>
<TD class="tr16 td23"><P class="p42 ft6">ska</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft6">ske,</P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p75 ft6">ske,</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">16</SPAN>. användarens rätt att få</P></TD>
<TD colspan=9 class="tr15 td219"><P class="p42 ft3"><SPAN class="ft4">17</SPAN>. användarens rätt att få</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">ramavtalets villkor samt infor-</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p42 ft6">ramavtalets villkor samt infor-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td271"><P class="p3 ft5">mation enligt 13 §,</P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td86"><P class="p75 ft6">mation enligt 13 §,</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">17</SPAN>. de åtgärder som användaren</P></TD>
<TD colspan=9 class="tr15 td219"><P class="p42 ft3"><SPAN class="ft4">18</SPAN>. de åtgärder som användaren</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">ska vidta för att skydda</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p42 ft6">ska vidta för att skydda</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td253"><P class="p3 ft6">betalningsinstrumentet</P></TD>
<TD colspan=2 class="tr16 td66"><P class="p308 ft6">och</P></TD>
<TD class="tr16 td92"><P class="p154 ft6">hur</P></TD>
<TD colspan=6 class="tr16 td97"><P class="p75 ft6">betalningsinstrumentet</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p146 ft6">och</P></TD>
<TD class="tr16 td23"><P class="p42 ft6">hur</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td102"><P class="p3 ft3">användaren ska anmäla att ett</P></TD>
<TD colspan=9 class="tr15 td219"><P class="p42 ft3">användaren ska anmäla att ett</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td139"><P class="p3 ft7">betalningsinstrument</P></TD>
<TD colspan=3 class="tr16 td80"><P class="p72 ft6">kommit</P></TD>
<TD class="tr16 td92"><P class="p154 ft5">bort</P></TD>
<TD colspan=5 class="tr16 td86"><P class="p75 ft7">betalningsinstrument</P></TD>
<TD colspan=3 class="tr16 td80"><P class="p74 ft6">kommit</P></TD>
<TD class="tr16 td23"><P class="p42 ft6">bort</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td170"><P class="p3 ft6">eller obehörigen använts,</P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td197"><P class="p75 ft6">eller obehörigen använts,</P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td122"><P class="p153 ft4">19. ett</P></TD>
<TD colspan=2 class="tr15 td142"><P class="p3 ft4">säkert</P></TD>
<TD colspan=4 class="tr15 td141"><P class="p803 ft4">förfarande</P></TD>
<TD class="tr15 td23"><P class="p42 ft4">för</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td47"><P class="p75 ft4">underrättelse</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p202 ft4">om</P></TD>
<TD class="tr16 td27"><P class="p3 ft4">ett</P></TD>
<TD colspan=3 class="tr16 td98"><P class="p42 ft4">misstänkt</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p75 ft4">eller</P></TD>
<TD colspan=3 class="tr16 td149"><P class="p41 ft4">faktiskt</P></TD>
<TD colspan=3 class="tr16 td154"><P class="p182 ft41">bedrägeri</P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p42 ft41">eller</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td47"><P class="p75 ft4">säkerhetshot,</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p154 ft6"><SPAN class="ft4">18</SPAN>. i förekommande fall, under</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p42 ft6"><SPAN class="ft4">20</SPAN>. i förekommande fall, under</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft6">vilka</P></TD>
<TD colspan=7 class="tr16 td30"><P class="p154 ft7">omständigheter leverantören</P></TD>
<TD class="tr16 td81"><P class="p75 ft6">vilka</P></TD>
<TD colspan=8 class="tr16 td155"><P class="p42 ft7">omständigheter leverantören</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td102"><P class="p3 ft3">förbehåller sig rätten att spärra ett</P></TD>
<TD colspan=9 class="tr15 td219"><P class="p42 ft3">förbehåller sig rätten att spärra ett</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td139"><P class="p3 ft7">betalningsinstrument</P></TD>
<TD colspan=2 class="tr16 td23"><P class="p72 ft6">enligt</P></TD>
<TD colspan=2 class="tr16 td119"><P class="p154 ft6">5 kap.</P></TD>
<TD colspan=5 class="tr16 td86"><P class="p75 ft7">betalningsinstrument</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p74 ft6">enligt</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p42 ft6">5 kap.</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft6">4 §</P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p75 ft6">4 §,</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td140"><P class="p90 ft4">19. vilket</P></TD>
<TD class="tr15 td23"><P class="p27 ft41">ansvar</P></TD>
<TD colspan=4 class="tr15 td149"><P class="p218 ft4">betalaren</P></TD>
<TD class="tr15 td92"><P class="p154 ft4">har</P></TD>
<TD colspan=4 class="tr15 td112"><P class="p153 ft4">21. betalarens</P></TD>
<TD colspan=3 class="tr15 td154"><P class="p177 ft41">ansvar</P></TD>
<TD colspan=2 class="tr15 td58"><P class="p42 ft4">enligt</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft4">enligt lagen (2010:738) om obe-</P></TD>
<TD colspan=4 class="tr16 td112"><P class="p75 ft4">5 kap. <NOBR>51–57</NOBR> §§,</P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft4">höriga transaktioner med betal-</P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td271"><P class="p3 ft4">ningsinstrument.</P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=9 rowspan=2 class="tr25 td219"><P class="p42 ft3"><SPAN class="ft4">22</SPAN>. hur och inom vilken tidsfrist</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p154 ft6"><SPAN class="ft4">20</SPAN>. hur och inom vilken tidsfrist</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft6">som</P></TD>
<TD colspan=2 class="tr16 td165"><P class="p307 ft7">användaren</P></TD>
<TD colspan=2 class="tr16 td68"><P class="p3 ft6">ska</P></TD>
<TD colspan=3 class="tr16 td55"><P class="p154 ft7">underrätta</P></TD>
<TD class="tr16 td81"><P class="p75 ft6">som</P></TD>
<TD colspan=3 class="tr16 td149"><P class="p3 ft7">användaren</P></TD>
<TD colspan=2 class="tr16 td177"><P class="p130 ft6">ska</P></TD>
<TD colspan=3 class="tr16 td98"><P class="p42 ft7">underrätta</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td140"><P class="p3 ft5">leverantören</P></TD>
<TD colspan=2 class="tr15 td123"><P style="text-align: left;padding-left: 29px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">om</P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td55"><P class="p154 ft3">felaktigt</P></TD>
<TD colspan=3 class="tr15 td47"><P class="p75 ft3">leverantören</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td177"><P class="p146 ft3">om</P></TD>
<TD colspan=3 class="tr15 td98"><P class="p42 ft3">felaktigt</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td140"><P class="p3 ft6">genomförda</P></TD>
<TD colspan=6 class="tr16 td265"><P class="p154 ft6">betalningstransaktio-</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p75 ft6">genomförda</P></TD>
<TD colspan=6 class="tr16 td134"><P class="p42 ft7">betalningstransaktio-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">ner eller obehöriga transaktioner,</P></TD>
<TD colspan=9 class="tr16 td219"><P class="p75 ft6">ner eller obehöriga transaktioner,</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td102"><P class="p154 ft3"><SPAN class="ft4">21</SPAN>. leverantörens ansvar för</P></TD>
<TD colspan=9 class="tr15 td219"><P class="p42 ft3"><SPAN class="ft4">23</SPAN>. leverantörens ansvar för</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td271"><P class="p3 ft6">genomförande av</P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td47"><P class="p154 ft5">transaktioner</P></TD>
<TD colspan=2 class="tr16 td122"><P class="p75 ft4">initiering</P></TD>
<TD colspan=7 class="tr16 td323"><P class="p42 ft6"><SPAN class="ft4">eller </SPAN>genomförande av</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td253"><P class="p3 ft4"><SPAN class="ft6">enligt </SPAN>5 kap. <NOBR>25–29</NOBR> §§,</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td47"><P class="p75 ft5">transaktioner</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td177"><P class="p146 ft6">enligt</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td58"><P class="p42 ft4">5 kap.</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td122"><P class="p75 ft4"><NOBR>44–48</NOBR> §§,</P></TD>
<TD class="tr20 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD rowspan=2 class="tr34 td198"><P class="p17 ft3">517</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_518" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">518</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=9 class="tr2 td60"><P class="p31 ft3"><SPAN class="ft4">22</SPAN>. villkoren för återbetalning</P></TD>
<TD colspan=9 class="tr2 td72"><P class="p31 ft3"><SPAN class="ft4">24</SPAN>. villkoren för återbetalning</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td139"><P class="p3 ft4"><SPAN class="ft3">enligt </SPAN>5 kap. <NOBR>6–8</NOBR> §§,</P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td201"><P class="p3 ft4"><SPAN class="ft3">enligt </SPAN>5 kap. <NOBR>25–27</NOBR> §§,</P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p31 ft6"><SPAN class="ft4">23</SPAN>. i förekommande fall, uppgift</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p31 ft5"><SPAN class="ft41">25</SPAN>. i förekommande fall, uppgift</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p3 ft6">om att användaren ska anses ha</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft6">om att användaren ska anses ha</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td154"><P class="p3 ft3">godkänt</P></TD>
<TD class="tr15 td6"><P class="p1 ft7">de</P></TD>
<TD colspan=3 class="tr15 td166"><P class="p157 ft3">ändrade</P></TD>
<TD colspan=3 class="tr15 td57"><P class="p21 ft3">villkoren</P></TD>
<TD colspan=2 class="tr15 td154"><P class="p3 ft3">godkänt</P></TD>
<TD class="tr15 td70"><P class="p239 ft7">de</P></TD>
<TD colspan=3 class="tr15 td58"><P class="p218 ft7">ändrade</P></TD>
<TD colspan=3 class="tr15 td150"><P class="p17 ft3">villkoren</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft6">enligt</P></TD>
<TD colspan=2 class="tr16 td23"><P class="p41 ft6">14 §</P></TD>
<TD class="tr16 td67"><P class="p146 ft7">om</P></TD>
<TD colspan=4 class="tr16 td136"><P class="p154 ft6">användaren</P></TD>
<TD class="tr16 td34"><P class="p21 ft5">inte</P></TD>
<TD class="tr16 td75"><P class="p3 ft6">enligt</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p177 ft6">14 § om</P></TD>
<TD colspan=4 class="tr16 td208"><P class="p3 ft6">användaren</P></TD>
<TD class="tr16 td33"><P class="p27 ft5">inte</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p3 ft6">före den dag då de föreslås träda i</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft5">före den dag då de föreslås träda i</P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft3">kraft</P></TD>
<TD colspan=7 class="tr15 td255"><P class="p3 ft3">underrättar leverantören</P></TD>
<TD class="tr15 td34"><P class="p21 ft3">om</P></TD>
<TD class="tr15 td75"><P class="p3 ft3">kraft</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p172 ft7">underrättar</P></TD>
<TD colspan=4 class="tr15 td208"><P class="p3 ft3">leverantören</P></TD>
<TD class="tr15 td33"><P class="p17 ft3">om</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td15"><P class="p3 ft6">att användaren</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p154 ft6">inte</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p21 ft6">godkänner</P></TD>
<TD colspan=4 class="tr16 td195"><P class="p3 ft6">att användaren</P></TD>
<TD colspan=2 class="tr16 td66"><P class="p241 ft6">inte</P></TD>
<TD colspan=3 class="tr16 td150"><P class="p17 ft7">godkänner</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft6">dem,</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft6">dem,</P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td139"><P class="p31 ft5"><SPAN class="ft41">24</SPAN>. avtalets löptid,</P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td139"><P class="p31 ft5"><SPAN class="ft41">26</SPAN>. avtalets löptid,</P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p31 ft6"><SPAN class="ft4">25</SPAN>. om uppsägningstider och</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p31 ft6"><SPAN class="ft4">27</SPAN>. om uppsägningstider och</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p3 ft6">avgifter för uppsägning enligt 14 §</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft5">avgifter för uppsägning enligt 14 §</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td265"><P class="p3 ft5">tredje stycket eller 15 §,</P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td201"><P class="p3 ft5">tredje stycket eller 15 §,</P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td15"><P class="p31 ft5"><SPAN class="ft41">26</SPAN>. eventuella</P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td137"><P class="p21 ft7">avtalsbestäm-</P></TD>
<TD colspan=4 class="tr16 td195"><P class="p31 ft6"><SPAN class="ft4">28</SPAN>. eventuella</P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td18"><P class="p17 ft7">avtalsbestäm-</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p3 ft6">melser om vilket lands lag som ska</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft7">melser om vilket lands lag som ska</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr15 td60"><P class="p3 ft3">tillämpas för ramavtalet och om</P></TD>
<TD colspan=9 class="tr15 td72"><P class="p3 ft3">tillämpas för ramavtalet och om</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p3 ft6">vilken domstol som är behörig,</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft6">vilken domstol som är behörig,</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft6">och</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft6">och</P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=9 class="tr15 td60"><P class="p31 ft3"><SPAN class="ft4">27</SPAN>. vilka förfaranden för klagomål</P></TD>
<TD colspan=9 class="tr15 td72"><P class="p31 ft7"><SPAN class="ft72">29</SPAN>. vilka förfaranden för klagomål</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p3 ft6">och prövning utanför domstol som</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft5">och prövning utanför domstol som</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr20 td139"><P class="p3 ft5">finns för användaren.</P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr20 td139"><P class="p3 ft5">finns för användaren.</P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td140"><P class="p511 ft3">11 §</P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td15"><P class="p31 ft6">Information</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p154 ft6">enligt</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p70 ft6">10 §</P></TD>
<TD class="tr16 td34"><P class="p21 ft5">ska</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p31 ft6">Information</P></TD>
<TD colspan=3 class="tr16 td58"><P class="p241 ft6">enligt</P></TD>
<TD colspan=2 class="tr16 td23"><P class="p146 ft6">10 §</P></TD>
<TD class="tr16 td33"><P class="p17 ft6">ska</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td15"><P class="p3 ft3">tillhandahållas</P></TD>
<TD class="tr15 td105"><P class="p308 ft3">på</P></TD>
<TD colspan=2 class="tr15 td90"><P class="p1 ft3">papper</P></TD>
<TD colspan=2 class="tr15 td46"><P class="p21 ft3">eller</P></TD>
<TD colspan=3 class="tr15 td47"><P class="p3 ft3">tillhandahållas</P></TD>
<TD colspan=2 class="tr15 td66"><P class="p93 ft3">på</P></TD>
<TD colspan=2 class="tr15 td90"><P class="p1 ft3">papper</P></TD>
<TD colspan=2 class="tr15 td74"><P class="p17 ft3">eller</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft6">annat</P></TD>
<TD colspan=3 class="tr16 td50"><P class="p71 ft6">varaktigt</P></TD>
<TD colspan=5 class="tr16 td96"><P class="p21 ft5">medium, uttryckas</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft5">annat varaktigt medium, uttryckas</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p3 ft6">på ett lättillgängligt sätt och vara</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft6">på ett lättillgängligt sätt och vara</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr15 td60"><P class="p3 ft3">tydlig och lätt att förstå. Den ska</P></TD>
<TD colspan=9 class="tr15 td72"><P class="p3 ft3">tydlig och lätt att förstå. Den ska</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p3 ft5">vara på svenska eller på annat språk</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft7">vara på svenska eller på annat språk</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p3 ft6">som parterna kommer överens om.</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft7">som parterna kommer överens om.</P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr15 td72"><P class="p3 ft4">Det sagda gäller inte för en</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td154"><P class="p3 ft4">leverantör</P></TD>
<TD class="tr16 td70"><P class="p75 ft4">av</P></TD>
<TD colspan=6 class="tr16 td24"><P class="p17 ft4">kontoinformations-</P></TD>
</TR>
<TR>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td154"><P class="p3 ft4">tjänster.</P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td140"><P class="p511 ft3">12 §</P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p31 ft6">Om ett ramavtal ingås på distans</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p31 ft7">Om ett ramavtal ingås på distans</P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft3">på</P></TD>
<TD colspan=3 class="tr15 td50"><P class="p1 ft3">begäran</P></TD>
<TD class="tr15 td105"><P class="p129 ft3">av</P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td57"><P class="p21 ft7">betaltjänst-</P></TD>
<TD class="tr15 td75"><P class="p3 ft3">på</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p179 ft7">begäran</P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p1 ft3">av</P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td74"><P class="p17 ft3">betal-</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p3 ft6">användaren, och detta gör att</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft5">tjänstanvändaren, och detta gör att</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td265"><P class="p3 ft6">betaltjänstleverantören</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p42 ft6">inte</P></TD>
<TD class="tr16 td34"><P class="p21 ft5">kan</P></TD>
<TD colspan=6 class="tr16 td201"><P class="p3 ft6">betaltjänstleverantören</P></TD>
<TD colspan=2 class="tr16 td23"><P class="p70 ft6">inte</P></TD>
<TD class="tr16 td33"><P class="p17 ft6">kan</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr15 td60"><P class="p3 ft3">uppfylla kraven i 10 och 11 §§, ska</P></TD>
<TD colspan=9 class="tr15 td72"><P class="p3 ft5">uppfylla kraven i 10 och 11 §§, ska</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft7">dessa</P></TD>
<TD colspan=2 class="tr16 td23"><P class="p70 ft6">krav</P></TD>
<TD colspan=2 class="tr16 td119"><P class="p129 ft5">i stället</P></TD>
<TD colspan=3 class="tr16 td158"><P class="p157 ft6">uppfyllas</P></TD>
<TD class="tr16 td34"><P class="p21 ft6">av</P></TD>
<TD class="tr16 td75"><P class="p3 ft7">dessa</P></TD>
<TD colspan=4 class="tr16 td43"><P class="p74 ft6">krav i stället</P></TD>
<TD colspan=3 class="tr16 td9"><P class="p72 ft5">uppfyllas</P></TD>
<TD class="tr16 td33"><P class="p27 ft6">av</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td60"><P class="p3 ft6">denne omedelbart efter det att</P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft6">denne omedelbart efter det att</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td265"><P class="p3 ft3">ramavtalet har ingåtts.</P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr15 td72"><P class="p3 ft3">ramavtalet har ingåtts. <SPAN class="ft4">Det sagda</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=9 class="tr16 td72"><P class="p3 ft4">gäller inte för en leverantör av</P></TD>
</TR>
<TR>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr20 td242"><P class="p3 ft4">kontoinformationstjänster.</P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td140"><P class="p511 ft3">13 §</P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td265"><P class="p31 ft7">Betaltjänstanvändaren</P></TD>
<TD class="tr16 td105"><P class="p70 ft6">har</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p21 ft6">under</P></TD>
<TD colspan=6 class="tr16 td201"><P class="p31 ft7">Betaltjänstanvändaren</P></TD>
<TD class="tr16 td94"><P class="p72 ft6">har</P></TD>
<TD colspan=2 class="tr16 td74"><P class="p17 ft6">under</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td265"><P class="p3 ft5">avtalsförhållandet alltid</P></TD>
<TD class="tr15 td105"><P class="p146 ft3">rätt</P></TD>
<TD class="tr15 td69"><P class="p17 ft5">att</P></TD>
<TD class="tr15 td34"><P class="p21 ft3">på</P></TD>
<TD colspan=4 class="tr15 td195"><P class="p3 ft5">avtalsförhållandet</P></TD>
<TD colspan=2 class="tr15 td66"><P class="p3 ft3">alltid</P></TD>
<TD class="tr15 td94"><P class="p3 ft3">rätt</P></TD>
<TD class="tr15 td6"><P class="p3 ft5">att</P></TD>
<TD class="tr15 td33"><P class="p27 ft3">på</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td154"><P class="p3 ft3">begäran</P></TD>
<TD class="tr28 td6"><P class="p3 ft3">få</P></TD>
<TD colspan=5 class="tr28 td198"><P class="p154 ft3">avtalsvillkoren</P></TD>
<TD class="tr28 td34"><P class="p21 ft3">för</P></TD>
<TD colspan=2 class="tr28 td154"><P class="p3 ft3">begäran</P></TD>
<TD class="tr28 td70"><P style="text-align: center;padding-right: 15px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">få</P></TD>
<TD colspan=5 class="tr28 td205"><P class="p3 ft3">avtalsvillkoren</P></TD>
<TD class="tr28 td33"><P class="p17 ft3">för</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_519" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 499px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 5px 0px 0px 0px;padding: 0px;border:none;width: 188px;overflow: hidden;">
<P class="p53 ft3">ramavtalet samt den information som anges i 10 § i en handling eller i någon annan läsbar och varaktig form som är tillgänglig för användaren.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 17px;padding: 0px;border:none;width: 294px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 294px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td116"><P class="p3 ft3">ramavtalet samt</P></TD>
<TD class="tr22 td94"><P class="p3 ft3">den</P></TD>
<TD class="tr22 td136"><P class="p42 ft3">information</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td108"><P class="p3 ft3">som anges i 10 § i</P></TD>
<TD class="tr15 td136"><P class="p42 ft3">en handling</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">eller i någon annan läsbar och</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">varaktig form som är tillgänglig</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">för användaren. <SPAN class="ft4">Det sagda gäller</SPAN></P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">inte för ramavtal som avser</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td116"><P class="p3 ft41">tillhandahållande</P></TD>
<TD class="tr16 td94"><P class="p75 ft4">av</P></TD>
<TD class="tr16 td136"><P class="p42 ft4">kontoinfor-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td116"><P class="p3 ft4">mationstjänster.</P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td136"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV style="border:none;margin: 10px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P style="text-align: left;padding-left: 253px;margin-top: 0px;margin-bottom: 0px;" class="ft3">15 §</P>
<P class="p12 ft6">Betaltjänstanvändaren får säga upp ramavtalet med omedelbar verkan, såvida inte parterna har kommit överens om en uppsägningstid. Betaltjänstleverantören får inte göra gällande en längre uppsägningstid för användaren än en månad.</P>
<P class="p12 ft76">Om leverantören säger upp ett ramavtal som ingåtts på obestämd tid, ska uppsägningstiden vara minst två månader.</P>
<TABLE cellpadding=0 cellspacing=0 class="t24">
<TR>
<TD class="tr15 td60"><P class="p62 ft3">Ett ramavtal ska kunna sägas</P></TD>
<TD class="tr15 td61"><P class="p90 ft3">Ett ramavtal ska kunna sägas</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">upp avgiftsfritt av användaren efter</P></TD>
<TD class="tr16 td61"><P class="p3 ft5">upp avgiftsfritt av användaren efter</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P style="text-align: right;padding-right: 131px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">tolv månader.</P></TD>
<TD class="tr16 td61"><P class="p3 ft4">sex månader<SPAN class="ft6">.</SPAN></P></TD>
</TR>
</TABLE>
<P class="p12 ft3">När leverantören får ta ut en avgift för uppsägningen, ska avgiften motsvara de faktiska kostnader som uppsägningen medför för leverantören. Periodiska avgifter för betaltjänster ska betalas endast för tiden fram till det att avtalet upphör att gälla. Om sådana avgifter har betalats i förskott, ska de återbetalas i motsvarande omfattning.</P>
<P class="p175 ft42"><SPAN class="ft42">5</SPAN><SPAN class="ft71">kap.</SPAN></P>
<P class="p176 ft3">1 §</P>
<TABLE cellpadding=0 cellspacing=0 class="t24">
<TR>
<TD class="tr28 td217"><P class="p90 ft3">En betaltjänstleverantör</P></TD>
<TD class="tr28 td150"><P class="p62 ft3">får inte</P></TD>
<TD class="tr28 td217"><P class="p90 ft3">En betaltjänstleverantör</P></TD>
<TD class="tr28 td81"><P class="p3 ft3">får inte</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">ta ut någon avgift av en</P></TD>
<TD colspan=2 class="tr15 td61"><P class="p3 ft3">ta ut någon avgift av en</P></TD>
</TR>
<TR>
<TD class="tr16 td217"><P class="p3 ft6">betaltjänstanvändare för</P></TD>
<TD class="tr16 td150"><P class="p62 ft6">fullgör-</P></TD>
<TD class="tr16 td217"><P class="p3 ft6">betaltjänstanvändare för</P></TD>
<TD class="tr16 td81"><P class="p3 ft6">fullgör-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">andet av sin informationsskyl-</P></TD>
<TD colspan=2 class="tr16 td61"><P class="p3 ft6">andet av sin informationsskyl-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">dighet samt av skydds- och korri-</P></TD>
<TD colspan=2 class="tr15 td61"><P class="p3 ft5">dighet samt av skydds- och korri-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">geringsåtgärder enligt detta kapitel</P></TD>
<TD colspan=2 class="tr16 td61"><P class="p3 ft7">geringsåtgärder enligt detta kapitel</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">förutom i de fall som anges i <SPAN class="ft4">10,</SPAN></P></TD>
<TD colspan=2 class="tr16 td61"><P class="p3 ft6">förutom i de fall som anges i <SPAN class="ft4">29,</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3"><SPAN class="ft4">15 och 23 §§. </SPAN>När avgifter får tas</P></TD>
<TD colspan=2 class="tr15 td61"><P class="p3 ft3"><SPAN class="ft4">34 och 42 §§. </SPAN>När avgifter får tas</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">ut enligt någon av dessa be-</P></TD>
<TD colspan=2 class="tr16 td61"><P class="p3 ft6">ut enligt någon av dessa be-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft5">stämmelser ska de vara skäliga och</P></TD>
<TD colspan=2 class="tr16 td61"><P class="p3 ft7">stämmelser ska de vara skäliga och</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">motsvara betaltjänstleverantörens</P></TD>
<TD colspan=2 class="tr15 td61"><P class="p3 ft5">motsvara betaltjänstleverantörens</P></TD>
</TR>
<TR>
<TD class="tr21 td217"><P class="p3 ft23">faktiska kostnader.</P></TD>
<TD class="tr21 td150"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td217"><P class="p3 ft23">faktiska kostnader.</P></TD>
<TD class="tr21 td81"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p12 ft6">Om en betalningstransaktion inte medför någon valutaväxling, ska betalaren och betalningsmottagaren betala de avgifter som deras respektive betaltjänstleverantör tar ut.</P>
<P class="p12 ft6">Betaltjänstleverantören får inte hindra en betalningsmottagare från att erbjuda betalaren en nedsättning vid användning av ett visst betalningsinstrument.</P>
<P class="p570 ft3">En betalningsmottagare får inte ta ut någon avgift av betalaren vid användning av ett betalningsinstrument.</P>
<P style="text-align: right;padding-right: 51px;margin-top: 45px;margin-bottom: 0px;" class="ft3">519</P>
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<DIV style="position:absolute;top:234px;left:331px;width:189px;height:135px;"><SPAN class="ft5">En betalningstransaktion ska betraktas som godkänd om beta- laren har lämnat sitt samtycke till att den genomförs. </SPAN><SPAN class="ft41">Betalaren kan lämna sitt samtycke direkt till sin kontoförvaltande betaltjänst- leverantör, via betalningsmottag- aren eller via en leverantör av betalningsinitieringstjänster</SPAN><SPAN class="ft5">.</SPAN></DIV>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 3</P>
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<P class="p248 ft3">2 §<SPAN class="ft43">11</SPAN></P>
<P class="p213 ft3">För elektroniska pengar och sådana betalningsinstrument som avses i 4 kap. 19 § första stycket får betaltjänstleverantören och betaltjänstanvändaren i ramavtal komma överens om</P>
<P class="p462 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">att leverantören inte behöver underrätta användaren att betal- ningsordern har avvisats, om det av sammanhanget klart framgår att den inte har utförts,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">att betalaren inte får återkalla betalningsordern efter att ha godkänt att den genomförs,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr28 td104"><P class="p31 ft7">3. andra</P></TD>
<TD class="tr28 td205"><P class="p41 ft7">tidsgränser för</P></TD>
<TD class="tr28 td103"><P class="p21 ft3">genom-</P></TD>
<TD class="tr28 td72"><P class="p27 ft3">3. andra tidsgränser för genom-</P></TD>
</TR>
<TR>
<TD class="tr15 td104"><P class="p3 ft3">förandet</P></TD>
<TD class="tr15 td205"><P class="p3 ft3">än de som</P></TD>
<TD class="tr15 td103"><P class="p21 ft3">anges i</P></TD>
<TD class="tr15 td72"><P class="p17 ft3">förandet än de som anges i</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr21 td207"><P class="p3 ft62"><NOBR>18–22</NOBR> §§, <SPAN class="ft23">eller</SPAN></P></TD>
<TD class="tr21 td103"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td72"><P class="p254 ft84"><NOBR>37–41</NOBR> §§, <SPAN class="ft24">eller</SPAN></P></TD>
</TR>
</TABLE>
<P class="p606 ft3">4. att det inte ska vara möjligt att spärra betalningsinstrumentet.</P>
<P style="text-align: left;padding-left: 12px;padding-right: 257px;margin-top: 12px;margin-bottom: 0px;text-indent: 177px;" class="ft76">3 § En betalningstransaktion ska</P>
<P style="text-align: justify;padding-right: 273px;margin-top: 0px;margin-bottom: 0px;" class="ft3">betraktas som godkänd om betalaren har lämnat sitt samtycke till att den genomförs.</P>
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</DIV>
<DIV style="border:none;margin: 85px 0px 0px 0px;padding: 0px;border:none;width: 520px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t127">
<TR>
<TD colspan=2 class="tr22 td60"><P class="p3 ft42">Betaltjänstleverantörens</P></TD>
<TD class="tr22 td72"><P class="p3 ft42">Betaltjänstleverantörens</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft80">skyldigheter avseende</P></TD>
<TD class="tr16 td72"><P class="p3 ft86">respektive betaltjänstanvändarens</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft80">betalningsinstrument</P></TD>
<TD class="tr16 td72"><P class="p3 ft80">skyldigheter avseende</P></TD>
</TR>
<TR>
<TD class="tr24 td150"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td217"><P class="p3 ft2"> </P></TD>
<TD class="tr24 td72"><P class="p3 ft42">ett betalningsinstrument</P></TD>
</TR>
<TR>
<TD class="tr33 td150"><P class="p3 ft2"> </P></TD>
<TD class="tr33 td217"><P class="p17 ft3">5 §</P></TD>
<TD class="tr33 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td60"><P class="p31 ft3">Betaltjänstleverantören ska</P></TD>
<TD rowspan=2 class="tr31 td72"><P class="p31 ft4">1. se till att villkoren för utgiv-</P></TD>
</TR>
<TR>
<TD class="tr30 td150"><P class="p3 ft74"> </P></TD>
<TD class="tr30 td217"><P class="p3 ft74"> </P></TD>
</TR>
<TR>
<TD class="tr15 td150"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td217"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td72"><P class="p3 ft4">ning och användning av betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td150"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td217"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td72"><P class="p3 ft41">ningsinstrument är objektiva, icke-</P></TD>
</TR>
<TR>
<TD colspan=2 rowspan=2 class="tr31 td60"><P class="p31 ft4">1<SPAN class="ft3">. se till att </SPAN>den personliga</P></TD>
<TD class="tr16 td72"><P class="p3 ft41">diskriminerande och proportionella,</P></TD>
</TR>
<TR>
<TD class="tr16 td72"><P class="p31 ft4">2<SPAN class="ft6">. se till att </SPAN>de personaliserade</P></TD>
</TR>
<TR>
<TD class="tr15 td150"><P class="p3 ft4">koden <SPAN class="ft3">till</SPAN></P></TD>
<TD class="tr15 td217"><P class="p21 ft3">betalningsinstrumentet</P></TD>
<TD class="tr15 td72"><P class="p3 ft4">behörighetsfunktioner som är</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">inte görs <SPAN class="ft4">tillgänglig </SPAN>av leve-</P></TD>
<TD class="tr16 td72"><P class="p3 ft5"><SPAN class="ft41">knutna </SPAN>till betalningsinstrumentet</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">rantören för andra än den betal-</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">inte görs <SPAN class="ft4">tillgängliga </SPAN>av leve-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">tjänstanvändare som har rätt att</P></TD>
<TD class="tr15 td72"><P class="p3 ft3">rantören för andra än den betal-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">använda betalningsinstrumentet,</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">tjänstanvändare som har rätt att</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr25 td150"><P class="p31 ft3"><SPAN class="ft4">2. </SPAN>inte</P></TD>
<TD rowspan=2 class="tr25 td217"><P class="p21 ft5">skicka betalningsinstru-</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">använda betalningsinstrumentet,</P></TD>
</TR>
<TR>
<TD class="tr15 td72"><P class="p31 ft7"><SPAN class="ft72">3</SPAN>. inte skicka betalningsinstrument</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">ment till någon som inte har</P></TD>
<TD class="tr16 td72"><P class="p3 ft5">till någon som inte har beställt det,</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">beställt det, förutom då ett betal-</P></TD>
<TD class="tr16 td72"><P class="p3 ft7">förutom då ett betalningsinstrument</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td60"><P class="p3 ft5">ningsinstrument som redan innehas</P></TD>
<TD class="tr20 td72"><P class="p3 ft7">som redan innehas av användaren</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 style="width: 247px;margin-top: 29px;font: 7px 'Arial';">
<TR>
<TD class="tr15 td253"><P class="p27 ft98">11</P></TD>
<TD class="tr15 td28"><P class="p146 ft82">Senaste lydelse 2011:775.</P></TD>
</TR>
<TR>
<TD class="tr28 td253"><P class="p384 ft7">520</P></TD>
<TD class="tr28 td28"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
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<DIV style="float:left;border:none;margin: 3px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P class="p15 ft3">av användaren ska ersättas,</P>
<P class="p318 ft5"><SPAN class="ft41">3</SPAN>. se till att användare när som helst har möjlighet att på lämpligt sätt anmäla till leverantören att ett betalningsinstrument har kommit bort eller obehörigen använts eller begära att en spärr hävs enligt 4 § fjärde stycket, och</P>
<P class="p203 ft3"><SPAN class="ft4">4</SPAN>. förhindra användning av be- talningsinstrumentet när en anmälan enligt <SPAN class="ft4">3 </SPAN>har lämnats.</P>
<P class="p318 ft5">En betaltjänstleverantör ska under 18 månader efter det att en anmälan eller en begäran enligt första stycket <SPAN class="ft41">3 </SPAN>lämnats bevara information som gör det möjligt för betaltjänstanvändaren att visa att en anmälan eller begäran har lämnats. Sådan information ska lämnas till användaren om användaren begär det.</P>
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<TABLE cellpadding=0 cellspacing=0 style="width: 294px;font: 13px 'Arial';">
<TR>
<TD colspan=3 class="tr22 td79"><P class="p3 ft5">ska ersättas,</P></TD>
<TD class="tr22 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft3"><SPAN class="ft4">4</SPAN>. se till att användare när som</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft5">helst har möjlighet att på lämpligt</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft5">sätt anmäla till leverantören att ett</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td108"><P class="p3 ft3">betalningsinstrument</P></TD>
<TD class="tr15 td27"><P class="p3 ft3">har</P></TD>
<TD colspan=2 class="tr15 td150"><P class="p42 ft3">kommit</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft5">bort eller obehörigen använts eller</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft5">begära att en spärr hävs enligt 4 §</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td198"><P class="p3 ft5">fjärde stycket, och</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6"><SPAN class="ft4">5</SPAN>. förhindra användning av be-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft7">talningsinstrumentet när en anmälan</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td108"><P class="p3 ft3">enligt <SPAN class="ft4">4 </SPAN>har lämnats.</P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td23"><P class="p90 ft6">En</P></TD>
<TD colspan=6 class="tr16 td168"><P class="p41 ft6">betaltjänstleverantör</P></TD>
<TD class="tr16 td74"><P class="p42 ft6">ska</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft5">under 18 månader efter det att en</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft3">anmälan eller en begäran enligt</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td23"><P class="p3 ft6">första</P></TD>
<TD colspan=3 class="tr16 td149"><P class="p71 ft6">stycket <SPAN class="ft4">4</SPAN></P></TD>
<TD colspan=2 class="tr16 td14"><P class="p1 ft7">lämnats</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p42 ft6">bevara</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">information som gör det möjligt</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td83"><P class="p3 ft3">för betaltjänstanvändaren</P></TD>
<TD class="tr15 td94"><P class="p72 ft3">att</P></TD>
<TD class="tr15 td74"><P class="p42 ft7">visa</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">att en anmälan eller begäran har</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td58"><P class="p3 ft5">lämnats.</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p74 ft6">Sådan</P></TD>
<TD colspan=3 class="tr16 td140"><P class="p3 ft6">information</P></TD>
<TD class="tr16 td74"><P class="p42 ft6">ska</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td23"><P class="p3 ft7">lämnas</P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p75 ft3">till</P></TD>
<TD colspan=4 class="tr15 td115"><P class="p148 ft3">användaren</P></TD>
<TD class="tr15 td74"><P class="p42 ft3">om</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td108"><P class="p3 ft7">användaren begär det.</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft4">En anmälan enligt första stycket 3</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft4">ska vara avgiftsfri för användaren.</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft4">Betaltjänstleverantören får endast</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td23"><P class="p3 ft4">ta</P></TD>
<TD class="tr16 td100"><P class="p3 ft4">ut</P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td82"><P style="text-align: center;padding-right: 16px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">avgift</P></TD>
<TD colspan=2 class="tr16 td82"><P class="p31 ft4">för</P></TD>
<TD class="tr16 td74"><P class="p42 ft4">de</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td83"><P class="p3 ft4">ersättningskostnader som</P></TD>
<TD colspan=2 class="tr15 td150"><P class="p42 ft41">uppkom-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr21 td58"><P class="p3 ft62">mit till</P></TD>
<TD class="tr21 td105"><P class="p3 ft62">följd</P></TD>
<TD class="tr21 td94"><P style="text-align: center;padding-left: 5px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft62">av</P></TD>
<TD class="tr21 td27"><P class="p74 ft62">att</P></TD>
<TD colspan=3 class="tr21 td136"><P class="p42 ft62">betalnings-</P></TD>
<TD class="tr21 td175"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;" class="ft56">instrumentet förkommit eller an- vänts obehörigen.</P>
<P class="p263 ft4">6 §</P>
<P class="p406 ft50">Betaltjänstanvändaren är skyldig att</P>
<P class="p457 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft52">skydda de personaliserade behörighetsfunktioner som är knutna till betalningsinstrumentet,</SPAN></P>
<P class="p408 ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft52">vid vetskap om att betal- ningsinstrumentet kommit bort eller obehörigen använts snarast anmäla detta till betaltjänstleve- rantören, och</SPAN></P>
<P class="p637 ft39"><SPAN class="ft4">3.</SPAN><SPAN class="ft88">i övrigt följa de villkor som enligt kontoavtalet gäller för an- vändning av betalningsinstrumentet.</SPAN></P>
</DIV>
</DIV>
<DIV style="border:none;margin: 90px 0px 0px 485px;padding: 0px;border:none;width: 71px;overflow: hidden;">
<P class="p15 ft3">521</P>
</DIV>
</DIV>
<DIV id="page_522" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 367px;overflow: hidden;">
<P style="text-align: right;padding-right: 225px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">522</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P style="text-align: left;padding-right: 83px;margin-top: 0px;margin-bottom: 0px;" class="ft69">Rätten att använda betalnings- initieringstjänster och de olika betaltjänstleverantörernas skyldigheter i samband med tillhandahållandet av dessa tjänster</P>
<P class="p263 ft4">7 §</P>
<P class="p616 ft41">En betaltjänstanvändare har rätt att utnyttja betalningsinitierings- tjänster om det berörda betalkontot är tillgängligt online. Rätten att utnyttja betalningsinitieringstjänster ska vara oberoende av om det finns ett avtal om detta mellan leveran- tören av betalningsinitierings- tjänster och den kontoförvaltande betaltjänstleverantören.</P>
<P class="p272 ft4">8 §</P>
<P class="p1123 ft50">En leverantör av betalningsini- tieringstjänster får inte</P>
<P class="p462 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft53">vid någon tidpunkt inneha betalarens medel i samband med tillhandahållandet av en betal- ningsinitieringstjänst,</SPAN></P>
<P class="p462 ft50"><SPAN class="ft4">2.</SPAN><SPAN class="ft67">lagra känsliga betalningsupp- gifter som tillhör betaltjänstanvän- daren,</SPAN></P>
<P class="p462 ft4"><SPAN class="ft4">3.</SPAN><SPAN class="ft53">begära andra uppgifter av betaltjänstanvändaren än sådana som krävs för att tillhandahålla betalningsinitieringstjänster,</SPAN></P>
<P class="p1084 ft4"><SPAN class="ft41">4.</SPAN><SPAN class="ft53">använda, ha tillgång till eller lagra uppgifter för andra ändamål än för att tillhandahålla den betal- ningsinitieringstjänst som uttryck- ligen begärs av betalaren, eller</SPAN></P>
<P style="text-align: justify;padding-right: 63px;margin-top: 3px;margin-bottom: 0px;text-indent: 12px;" class="ft54"><SPAN class="ft4">5.</SPAN><SPAN style="font: italic 12px 'Times New Roman';margin-left: 2px;line-height: 17px;">ändra beloppet, betalaren eller något annat inslag i transaktionen.</SPAN></P>
<P class="p270 ft4">9 §</P>
<P class="p213 ft50">En leverantör av betalnings- initieringstjänster ska</P>
<P class="p1123 ft4">1. se till att betaltjänstanvänd- arens personaliserade behörighetsfunktioner inte är tillgängliga för andra än användaren och utgivaren av de personaliserade behörig- hetsfunktionerna samt att de över-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_523" style="position:relative; overflow: hidden;margin: 49px 0px 79px 273px;padding: 0px;border: none;width: 351px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p758 ft50">förs på ett säkert och effektivt sätt, och</P>
<P class="p773 ft4">2. se till att eventuell övrig in- formation om betaltjänstanvänd- aren som leverantören har fått när den tillhandahåller betalningsini- tieringstjänsten endast lämnas till betalningsmottagaren och endast med betaltjänstanvändarens ut- tryckliga godkännande.</P>
<P class="p272 ft4">10 §</P>
<P class="p884 ft50">En leverantör av betalnings- initieringstjänster ska identifiera sig gentemot betaltjänstanvänd- arens kontoförvaltande betaltjänst- leverantör varje gång en betalning initieras.</P>
<P class="p263 ft4">11 §</P>
<P style="text-align: justify;padding-right: 11px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft41">När en betalare har godkänt en betalningstransaktion i enlighet med 5 kap. 3 § ska den konto- förvaltande betaltjänstleverantören ge leverantören av betalnings- initieringstjänster all information om initieringen och genomföran- det av betalningstransaktionen som är tillgänglig för den kontoförval- tande betaltjänstleverantören. Infor- mationen ska lämnas omedelbart efter det att betalningsordern har tagits emot från leverantören av betalningsintieringstjänster.</P>
<P class="p801 ft4">12 §</P>
<P class="p884 ft4">Endast om det finns objektiva skäl för det får den kontoförval- tande betaltjänstleverantören be- handla en betalningsorder som överförs via en leverantör av be- talningsinitieringstjänster på ett annat sätt i fråga om val av tid- punkt, prioritering eller avgifter än en betalningsorder som betala- ren överför direkt.</P>
<P class="p335 ft4">13 §</P>
<P class="p884 ft50">Den kontoförvaltande betal- tjänstleverantören och leveran- tören av betalningsinitierings-</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">523</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_524" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 367px;overflow: hidden;">
<P style="text-align: right;padding-right: 225px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">524</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p460 ft50">tjänster ska kommunicera på ett säkert sätt med varandra. Leverantören av betalnings- initieringstjänster ska kom- municera på ett säkert sätt även med betalaren och betalningsmot- tagaren.</P>
<P style="text-align: left;padding-right: 69px;margin-top: 11px;margin-bottom: 0px;" class="ft69">Rätten att använda kontoinformationstjänster och de olika betaltjänstleverantörernas skyldigheter i samband med tillhandahållandet av dessa tjänster</P>
<P class="p263 ft4">14 §</P>
<P class="p214 ft41">En betaltjänstanvändare har rätt att utnyttja kontoinforma- tionstjänster om det berörda betal- kontot är tillgängligt online. Rätten att utnyttja kontoinformations- tjänster ska vara oberoende av om det finns ett avtal om detta mellan leverantören av kontoinfor- mationstjänster och den kontoför- valtande betaltjänstleverantören.</P>
<P class="p91 ft4">15 §</P>
<P class="p213 ft50">En leverantör av kontoinforma- tionstjänster får</P>
<P class="p462 ft4"><SPAN class="ft41">1.</SPAN><SPAN class="ft53">endast tillhandahålla tjänster med betaltjänstanvändarens ut- tryckliga godkännande,</SPAN></P>
<P class="p462 ft50"><SPAN class="ft41">2.</SPAN><SPAN class="ft67">inte begära känsliga betal- ningsuppgifter som är kopplade till betalkontot, och</SPAN></P>
<P class="p462 ft50"><SPAN class="ft4">3.</SPAN><SPAN class="ft67">inte använda, ha tillgång till eller lagra uppgifter för några andra ändamål än för att genom- föra den kontoinformationstjänst som betaltjänstanvändaren ut- tryckligen har begärt.</SPAN></P>
<P class="p263 ft4">16 §</P>
<P class="p213 ft50">En leverantör av kontoinfor- mationstjänster ska</P>
<P class="p689 ft50">1. säkerställa att betaltjänst- användarens personaliserade be- hörighetsfunktioner, inte är till- gängliga för andra än användaren och utgivaren av de personali-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_525" style="position:relative; overflow: hidden;margin: 49px 0px 78px 273px;padding: 0px;border: none;width: 351px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p758 ft4">serade behörighetsuppgifterna och att dessa uppgifter på ett säkert och effektivt sätt överförs genom leve- rantören av kontoinformations- tjänster,</P>
<P class="p884 ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft52">för varje kommunikations- session identifiera sig gentemot den kontoförvaltande betaltjänst- leverantören, och</SPAN></P>
<P class="p786 ft50"><SPAN class="ft4">3.</SPAN><SPAN class="ft49">endast ha tillgång till infor- mation från angivna betalkonton och dithörande betalningstrans- aktioner.</SPAN></P>
<P class="p268 ft4">17 §</P>
<P class="p784 ft4">Den kontoförvaltande betal- tjänstleverantören får inte behandla en begäran om uppgifter som överförs via en leverantör av kontoinformationstjänster på ett annat sätt än en begäran direkt från betaltjänstanvändaren om det saknas objektiva skäl för en sådan behandling.</P>
<P class="p272 ft4">18 §</P>
<P class="p786 ft50">Den kontoförvaltande betal- tjänstleverantören och leverantör- en av kontoinformationstjänster ska kommunicera på ett säkert sätt med varandra.</P>
<P style="text-align: left;padding-right: 32px;margin-top: 11px;margin-bottom: 0px;" class="ft89">Möjlighet att vägra tillgång till betalkonto</P>
<P class="p268 ft4">19 §</P>
<P class="p514 ft4">En kontoförvaltande betal- tjänstleverantör får vägra en leve- rantör av betalningsinitierings- tjänster eller av kontoinforma- tionstjänster tillgång till ett betal- konto om den kontoförvaltande leverantören kan styrka att leve- rantören av betalningsinitierings- tjänster eller leverantören av kontoinformationstjänster har obehörig tillgång till betalkontot.</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 6px;margin-bottom: 0px;text-indent: 11px;" class="ft50">En kontoförvaltande betal- tjänstleverantör som vägrar en leverantör av betalningsinitie- ringstjänster eller av kontoinfor-</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">525</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_526" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 367px;overflow: hidden;">
<P style="text-align: right;padding-right: 225px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">526</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p314 ft4">mationstjänster tillgång till ett betalkonto enligt första stycket ska på avtalat sätt informera betalaren om att tillgång till betalkontot har vägrats och om skälen till detta.</P>
<P class="p288 ft4">Betalaren ska informeras innan tillgång till betalkontot vägras eller så snart som möjligt efter det att tillgång vägrats. Någon informa- tion till betalaren får dock inte lämnas om det skulle vara oför- enligt med annan lag eller om det är motiverat av säkerhetsskäl att inte göra detta.</P>
<P class="p289 ft4">Den kontoförvaltande betal- tjänstleverantören ska medge till- gång till betalkontot så snart det inte längre finns skäl att vägra sådan tillgång.</P>
<P class="p289 ft50">Den kontoförvaltande betal- tjänstleverantören ska omedelbart meddela Finansinspektionen om en leverantör av betalnings- initieringstjänster eller av konto- informationstjänster har vägrats tillgång till ett betalkonto enligt första stycket och om skälen till detta.</P>
<P class="p263 ft69">Besked om tillgängliga medel</P>
<P class="p260 ft4">20 §</P>
<P class="p689 ft4">En kontoförvaltande betal- tjänstleverantör ska på begäran av en betaltjänstleverantör som ger ut kortbaserade betalningsinstru- ment, omedelbart ge besked huru- vida det belopp som krävs för genomförande av en kortbaserad betalningstransaktion är tillgäng- ligt på betalarens betalkonto om</P>
<P style="text-align: justify;padding-right: 68px;margin-top: 3px;margin-bottom: 0px;text-indent: 12px;" class="ft50"><SPAN class="ft4">1.</SPAN><SPAN class="ft67">betalarens betalkonto är till- gängligt online vid tidpunkten för begäran, och</SPAN></P>
<P class="p462 ft4"><SPAN class="ft41">2.</SPAN><SPAN class="ft53">betalaren uttryckligen innan den första begäran görs har god- känt att den kontoförvaltande be- taltjänstleverantören lämnar ett sådant besked.</SPAN></P>
<P class="p1123 ft56">En begäran som avses i första stycket ska besvaras med antingen</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_527" style="position:relative; overflow: hidden;margin: 49px 0px 80px 273px;padding: 0px;border: none;width: 351px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p758 ft50">ja eller nej och ger inte den konto- förvaltande betaltjänstleverantör- en rätt att reservera medel på betalarens betalkonto.</P>
<P class="p514 ft50">På begäran av betalaren ska den kontoförvaltande betaltjänst- leverantören underrätta betalaren om identiteten på den betaltjänst- leverantör som begärt ett besked som avses i första stycket samt om det svar som lämnats.</P>
<P class="p701 ft4">21 §</P>
<P class="p514 ft50">En betaltjänstleverantör som ger ut kortbaserade betalnings- instrument får begära ett sådant besked som avses i 20 § om</P>
<P class="p611 ft41"><SPAN class="ft4">1.</SPAN><SPAN class="ft90">betalaren uttryckligen har godkänt att en sådan begäran görs,</SPAN></P>
<P class="p514 ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft52">betalaren har initierat betal- ningstransaktionen med använd- ning av ett kortbaserat betal- ningsinstrument som getts ut av betaltjänstleverantören, och</SPAN></P>
<P class="p611 ft50"><SPAN class="ft4">3.</SPAN><SPAN style="font: italic 13px 'Times New Roman';margin-left: 2px;line-height: 16px;">betaltjänstleverantören auten- tiserar sig gentemot den konto- förvaltande betaltjänstleverantör- en före varje begäran om besked.</SPAN></P>
<P class="p514 ft50">Den betaltjänstleverantör som begär besked enligt första stycket får inte lagra eller använda det svar som den kontoförvaltande leverantören lämnat för andra syften än för att genomföra den en- skilda betalningstransaktionen.</P>
<P class="p1130 ft4">22 §</P>
<P class="p786 ft50">En betaltjänstleverantör som ger ut kortbaserade betalnings- instrument ska kommunicera på ett säkert sätt med den kontoför- valtande betaltjänstleverantören.</P>
<P class="p270 ft4">23 §</P>
<P class="p655 ft50">Bestämmelserna i <NOBR>20–22</NOBR> §§ gäller inte för betalningstrans- aktioner som initieras genom kort- baserade betalningsinstrument där elektroniska pengar enligt defini- tionen i 1 kap. 2 § 2 lag</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">527</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_528" style="position:relative; overflow: hidden;margin: 48px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">528</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft56">(2011:755) om elektroniska pengar lagras.</P>
<P style="text-align: left;padding-left: 205px;margin-top: 12px;margin-bottom: 0px;" class="ft69">Reservering av medel</P>
<P class="p246 ft4">24 §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om en kortbaserad betal- ningstransaktion initieras av eller via betalningsmottagaren och det exakta beloppet inte är känt vid tidpunkten för betalarens godkän- nande av genomförandet av betal- ningstransaktionen får betalarens betaltjänstleverantör reservera medel på betalarens betalkonto för täckning av transaktionen endast om betalaren har godkänt det exakta belopp som reservationen avser.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 6px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Betalarens betaltjänstleverantör ska frigöra de medel som enligt första stycket har reserverats på betalarens betalkonto utan onödigt dröjsmål efter att ha tagit emot information om betalnings- transaktionens exakta belopp och senast så snart som möjligt efter mottagandet av betalningsordern.</P>
<P style="text-align: left;padding-left: 185px;margin-top: 7px;margin-bottom: 0px;" class="ft3">25 §</P>
<P style="text-align: left;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft40">En betalare har rätt till återbetalning från sin betaltjänstleverantör om betalningstransaktionen initierats av eller via betalningsmottagaren, och</P>
<P class="p1083 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">betalningstransaktionens exakta belopp inte angavs i samband med att den godkändes, och</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">2.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 2px;line-height: 15px;">betalningstransaktionens belopp överstiger det belopp som betalaren rimligen kunde ha förväntat sig med hänsyn till sitt tidigare utgiftsmönster, villkoren i ramavtalet och andra relevanta omstän- digheter.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr24 td60"><P class="p21 ft3">På begäran av betaltjänstleve-</P></TD>
<TD colspan=3 class="tr24 td72"><P class="p17 ft3">På begäran av betaltjänstleve-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">rantören ska betalaren informera</P></TD>
<TD class="tr16 td136"><P class="p3 ft6">rantören ska</P></TD>
<TD class="tr16 td80"><P class="p3 ft5">betalaren</P></TD>
<TD class="tr16 td154"><P class="p17 ft6">informera</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft3">leverantören om sådana omstän-</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p17 ft3">leverantören om sådana omstän-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft5">digheter som avses i första stycket</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p27 ft7">digheter som avses i första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">2. Återbetalningen ska uppgå till</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p27 ft6">2. Återbetalningen ska uppgå till</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft3">hela beloppet av den genomförda</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p17 ft3">hela beloppet av den genomförda</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P style="text-align: right;padding-right: 129px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">transaktionen.</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft41"><SPAN class="ft5">transaktionen. </SPAN>Valuteringsdagen för</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td136"><P class="p3 ft4">kreditering</P></TD>
<TD class="tr16 td80"><P class="p130 ft4">av</P></TD>
<TD class="tr16 td154"><P class="p17 ft41">betalarens</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td72"><P class="p17 ft4">betalkonto får inte infalla senare</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft41">än den dag då beloppet debiterades</P></TD>
</TR>
<TR>
<TD class="tr21 td60"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td136"><P class="p3 ft62">kontot.</P></TD>
<TD class="tr21 td80"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td154"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p213 ft3">Om betalaren och betaltjänstleverantören har avtalat om att en referensväxelkurs ska tillämpas på betalningstransaktionen, och den</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_529" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:557px;left:273px;width:188px;height:150px;"><SPAN class="ft70">Om villkoren i betaltjänst- leverantörens ramavtal med be- talaren är uppfyllda, får betalarens betaltjänstleverantör inte vägra att utföra en godkänd betalningsorder, oavsett om den har initierats av betalaren, eller betal- ningsmottagaren såvida inte ut- förandet av betalningsordern skulle strida mot annan lag.</SPAN></DIV>
<DIV style="position:absolute;top:710px;left:273px;width:193px;height:15px;"><SPAN class="ft4">Detsamma gäller om betalnings-</SPAN></DIV>
<DIV style="position:absolute;top:265px;left:273px;width:188px;height:135px;"><SPAN class="ft5">En betaltjänstleverantör som vägrar att utföra en betalningsorder </SPAN><SPAN class="ft41">eller initiera en betalnings- transaktion </SPAN><SPAN class="ft5">ska underrätta betal- tjänstanvändaren om detta på avtalat sätt snarast möjligt och senast inom de tidsfrister som anges i </SPAN><SPAN class="ft41">37 och 38 §§. </SPAN><SPAN class="ft5">Av under- rättelsen ska framgå</SPAN></DIV>
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td329"><P class="p3 ft3">avtalade referensväxelkursen har använts, får betalaren inte hävda att</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p3 ft3">förutsättningarna i första stycket 2 är uppfyllda på grund av den</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD class="tr21 td329"><P class="p3 ft23">växelkurs som tillämpats.</P></TD>
<TD class="tr21 td175"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 273px;padding-right: 162px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">För autogireringar som omfattas av artikel 1 i Europaparlamentets och rådets förordning (EU) nr 260/2012 av den 14 mars 2012 om antagande av tekniska och affärs- mässiga krav för betalningar och autogireringar i euro och om ändring av förordning (EG) nr 924/2009<SPAN style="font: italic 9px 'Times New Roman';line-height: 10px;position: relative; bottom: 5px;">12 </SPAN>har betalaren en ovillkorlig rätt till återbetalning inom de tidsfrister som följer av 27 §.</P>
<P style="text-align: left;padding-left: 79px;padding-right: 348px;margin-top: 17px;margin-bottom: 0px;text-indent: 174px;" class="ft3">29 § En betaltjänstleverantör som</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 368px;margin-top: 1px;margin-bottom: 0px;" class="ft3">vägrar att utföra en betalningsorder ska underrätta betaltjänst- användaren om detta på avtalat sätt snarast möjligt och senast inom de tidsfrister som anges i <SPAN class="ft4">18 och 19 §§. </SPAN>Av underrättelsen ska framgå</P>
<P style="text-align: justify;padding-left: 79px;margin-top: 8px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">om möjligt, skälen för vägran, och</SPAN></P>
<P class="p12 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">vilket förfarande som tillämpas för att rätta till fel som kan ha föranlett vägran.</SPAN></P>
<P class="p12 ft6">Betaltjänstleverantören får ta ut en avgift för en underrättelse enligt första stycket om</P>
<P class="p395 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">det finns skälig grund för vägran, och</SPAN></P>
<P class="p12 ft76"><SPAN class="ft5">2.</SPAN><SPAN class="ft92">leverantören får ta ut sådan avgift enligt ett ramavtal med betal- tjänstanvändaren.</SPAN></P>
<P style="text-align: left;padding-left: 79px;padding-right: 348px;margin-top: 9px;margin-bottom: 0px;text-indent: 174px;" class="ft76">30 § Om villkoren i betaltjänst-</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 362px;margin-top: 0px;margin-bottom: 0px;" class="ft40">leverantörens ramavtal med be- talaren är uppfyllda, får betalarens betaltjänstleverantör inte vägra att utföra en godkänd betalningsorder, oavsett om den har initierats av betalaren, eller betal- ningsmottagaren såvida inte ut- förandet av betalningsordern skulle strida mot annan lag.</P>
<P style="text-align: left;padding-left: 68px;margin-top: 41px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">12 </SPAN>EUT L 94,30.3.2012, s. 22 (Celex 32012R0260).</P>
<P class="p14 ft3">529</P>
</DIV>
<DIV id="page_530" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 561px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">530</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr2 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td55"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr2 td72"><P class="p3 ft4">ordern har initierats av en leve-</P></TD>
</TR>
<TR>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td55"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td123"><P class="p3 ft4">rantör</P></TD>
<TD class="tr15 td126"><P class="p1 ft4">av</P></TD>
<TD colspan=3 class="tr15 td139"><P class="p27 ft41">betalningsinitierings-</P></TD>
</TR>
<TR>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td55"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td123"><P class="p3 ft4">tjänster<SPAN class="ft3">.</SPAN></P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td55"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td98"><P class="p159 ft3">31 §</P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">Vid tillämpning av <SPAN class="ft4">18, 19 och</SPAN></P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft6">Vid tillämpning av <SPAN class="ft4">37, 38 och</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td128"><P class="p3 ft4"><NOBR>25–29</NOBR> §§ <SPAN class="ft6">ska en</SPAN></P></TD>
<TD colspan=2 class="tr16 td198"><P class="p21 ft7">betalningsorder</P></TD>
<TD colspan=4 class="tr16 td128"><P class="p3 ft4"><NOBR>44–48</NOBR> §§ <SPAN class="ft6">ska en</SPAN></P></TD>
<TD colspan=2 class="tr16 td43"><P class="p17 ft7">betalningsorder</P></TD>
</TR>
<TR>
<TD class="tr15 td34"><P class="p3 ft3">som</P></TD>
<TD colspan=3 class="tr15 td17"><P class="p3 ft3">betaltjänstleverantören</P></TD>
<TD class="tr15 td34"><P class="p21 ft3">har</P></TD>
<TD class="tr15 td164"><P class="p3 ft3">som</P></TD>
<TD colspan=4 class="tr15 td147"><P class="p70 ft3">betaltjänstleverantören</P></TD>
<TD class="tr15 td120"><P class="p17 ft3">har</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft5">vägrat att utföra anses inte ha blivit</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft5">vägrat att utföra anses inte ha blivit</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td270"><P class="p3 ft3">mottagen av leverantören.</P></TD>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr20 td131"><P class="p3 ft3">mottagen av leverantören.</P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td55"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td98"><P class="p159 ft3">33 §</P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p31 ft6">När</P></TD>
<TD class="tr16 td177"><P class="p90 ft6">en</P></TD>
<TD colspan=3 class="tr16 td168"><P class="p21 ft7">betalningstransaktion</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p31 ft6">När</P></TD>
<TD class="tr16 td126"><P class="p3 ft6">en</P></TD>
<TD colspan=3 class="tr16 td139"><P class="p27 ft7">betalningstransaktion</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft3">initieras av eller via betalning-</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p3 ft4">initieras av en leverantör av be-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td79"><P class="p3 ft6">smottagaren</P></TD>
<TD class="tr16 td164"><P class="p71 ft6">får</P></TD>
<TD class="tr16 td55"><P class="p1 ft6">betalaren</P></TD>
<TD class="tr16 td34"><P class="p21 ft5">inte</P></TD>
<TD colspan=5 class="tr16 td131"><P class="p3 ft4">talningsinitieringstjänster eller</P></TD>
<TD class="tr16 td120"><P class="p17 ft6">av</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft7">återkalla betalningsordern efter det</P></TD>
<TD class="tr16 td164"><P class="p3 ft6">eller</P></TD>
<TD class="tr16 td182"><P class="p3 ft6">via</P></TD>
<TD colspan=3 class="tr16 td169"><P class="p41 ft7">betalningsmottagaren</P></TD>
<TD class="tr16 td120"><P class="p17 ft6">får</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft4"><SPAN class="ft3">att </SPAN>denne har överfört ordern <SPAN class="ft3">eller</SPAN></P></TD>
<TD colspan=6 class="tr15 td72"><P class="p3 ft3">betalaren inte återkalla betal-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">gett sitt godkännande till att</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft5">ningsordern efter det att <SPAN class="ft41">betalaren</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td79"><P class="p3 ft6">genomföra</P></TD>
<TD colspan=2 class="tr16 td76"><P class="p70 ft6">transaktionen</P></TD>
<TD class="tr16 td34"><P class="p21 ft6">till</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft41"><SPAN class="ft5">har </SPAN>gett sitt godkännande att initi-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td79"><P class="p3 ft3">mottagaren.</P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td55"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft4">era</P></TD>
<TD colspan=4 class="tr15 td147"><P class="p3 ft4">betalningstransaktionen</P></TD>
<TD class="tr15 td120"><P class="p27 ft4">till</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td18"><P class="p3 ft4">leverantören</P></TD>
<TD class="tr16 td75"><P class="p90 ft4">av</P></TD>
<TD colspan=2 class="tr16 td43"><P class="p17 ft4">betalningsini-</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td55"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p3 ft6"><SPAN class="ft4">tieringstjänster </SPAN>eller gett sitt god-</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 205px;padding-right: 5px;margin-top: 0px;margin-bottom: 0px;" class="ft6">kännande till att genomföra trans- aktionen till mottagaren.</P>
<P class="p145 ft5">Vid autogiro får betalaren, trots första stycket och utan att det påverkar rätten till återbetalning, återkalla betalningsordern senast i slutet av den bankdag som föregår den dag som avtalats för debitering av medlen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=5 class="tr28 td60"><P class="p21 ft3">Om en betaltjänstanvändare och</P></TD>
<TD colspan=6 class="tr28 td72"><P class="p17 ft3">Om en betaltjänstanvändare och</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft5">en betaltjänstleverantör har avtalat</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft5">en betaltjänstleverantör har avtalat</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">enligt <SPAN class="ft4">9 § </SPAN>om den tidpunkt vid</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft6">enligt <SPAN class="ft4">28 § </SPAN>om den tidpunkt vid</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft7">vilken en betalningsorder ska anses</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft7">vilken en betalningsorder ska anses</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft7">vara mottagen, får användaren trots</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft7">vara mottagen, får användaren trots</P></TD>
</TR>
<TR>
<TD class="tr16 td200"><P class="p3 ft6">första</P></TD>
<TD class="tr16 td58"><P class="p3 ft6">stycket</P></TD>
<TD colspan=2 class="tr16 td208"><P class="p130 ft6">återkalla</P></TD>
<TD class="tr16 td135"><P class="p21 ft6">en</P></TD>
<TD class="tr16 td164"><P class="p3 ft5">första</P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft6">stycket</P></TD>
<TD colspan=2 class="tr16 td154"><P class="p93 ft5">återkalla</P></TD>
<TD class="tr16 td75"><P class="p17 ft6">en</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft5">betalningsorder senast i slutet av</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft5">betalningsorder senast i slutet av</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft3">den bankdag som föregår den</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft3">den bankdag som föregår den</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td156"><P class="p3 ft3">avtalade dagen.</P></TD>
<TD class="tr28 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr28 td156"><P class="p3 ft3">avtalade dagen.</P></TD>
<TD class="tr28 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td75"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td200"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td81"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr27 td78"><P class="p159 ft3">34 §</P></TD>
<TD class="tr27 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td75"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft5">Efter de tidpunkter som anges i <SPAN class="ft41">13</SPAN></P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft5">Efter de tidpunkter som anges i <SPAN class="ft41">32</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td156"><P class="p3 ft4">och 14 §§ <SPAN class="ft6">får</SPAN></P></TD>
<TD colspan=3 class="tr16 td271"><P class="p21 ft7">betalningsordern</P></TD>
<TD class="tr16 td164"><P class="p3 ft4">och</P></TD>
<TD colspan=2 class="tr16 td141"><P class="p3 ft4">33 §§ <SPAN class="ft6">får</SPAN></P></TD>
<TD colspan=3 class="tr16 td15"><P class="p17 ft7">betalningsordern</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft3">återkallas endast om detta har</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p27 ft3">återkallas endast om detta har</P></TD>
</TR>
<TR>
<TD class="tr16 td200"><P class="p3 ft6">avtalats</P></TD>
<TD colspan=2 class="tr16 td91"><P class="p148 ft6">mellan</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p21 ft7">betaltjänst-</P></TD>
<TD colspan=2 class="tr16 td200"><P class="p3 ft6">avtalats</P></TD>
<TD colspan=2 class="tr16 td31"><P class="p326 ft7">mellan</P></TD>
<TD colspan=2 class="tr16 td125"><P class="p17 ft5">betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">användaren och <SPAN class="ft4">dennes betal-</SPAN></P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4"><SPAN class="ft6">användaren och </SPAN>de berörda betal-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft3"><SPAN class="ft4">tjänstleverantör</SPAN>. För att återkal-</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft4">tjänstleverantörerna<SPAN class="ft3">. För att åter-</SPAN></P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft7">lelse efter de tidpunkter som anges</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft6">kallelse efter de tidpunkter som</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft4"><SPAN class="ft6">i </SPAN>14 § första och andra styckena</P></TD>
<TD class="tr16 td164"><P class="p3 ft7">anges</P></TD>
<TD class="tr16 td13"><P class="p93 ft6">i</P></TD>
<TD colspan=2 class="tr16 td31"><P class="p172 ft4">33 § första</P></TD>
<TD class="tr16 td68"><P class="p3 ft4">och</P></TD>
<TD class="tr16 td75"><P class="p27 ft41">andra</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft3">ska få ske, krävs <SPAN class="ft4">även </SPAN>att</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft5"><SPAN class="ft41">styckena </SPAN>ska få ske, krävs <SPAN class="ft41">också </SPAN>att</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td265"><P class="p3 ft6">betalningsmottagaren</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p21 ft6">godkänner</P></TD>
<TD colspan=4 class="tr16 td179"><P class="p3 ft6">betalningsmottagaren</P></TD>
<TD colspan=2 class="tr16 td125"><P class="p27 ft6">godkänner</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td156"><P class="p3 ft3">återkallelsen.</P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td156"><P class="p3 ft3">återkallelsen.</P></TD>
<TD class="tr20 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_531" style="position:relative; overflow: hidden;margin: 48px 0px 79px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr2 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td33"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td278"><P class="p384 ft3">36 §</P></TD>
<TD class="tr2 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td46"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td209"><P class="p90 ft3">Bestämmelserna</P></TD>
<TD class="tr15 td33"><P class="p3 ft3">i</P></TD>
<TD class="tr15 td98"><P class="p3 ft4"><NOBR>18–22</NOBR> <SPAN class="ft3">§§</SPAN></P></TD>
<TD class="tr15 td209"><P class="p90 ft3">Bestämmelserna</P></TD>
<TD class="tr15 td33"><P class="p3 ft3">i</P></TD>
<TD class="tr15 td46"><P class="p3 ft41"><NOBR>37–41</NOBR> <SPAN class="ft5">§§</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">gäller för betalningstransaktioner i</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft5">gäller för betalningstransaktioner i</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">Sverige som genomförs i euro eller</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft7">Sverige som genomförs i euro eller</P></TD>
</TR>
<TR>
<TD class="tr15 td209"><P class="p3 ft3">i svenska kronor.</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td98"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td209"><P class="p3 ft3">i svenska kronor.</P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td209"><P class="p90 ft6">Bestämmelserna</P></TD>
<TD class="tr16 td33"><P class="p3 ft6">i</P></TD>
<TD class="tr16 td98"><P class="p3 ft4"><NOBR>18–22</NOBR> §§</P></TD>
<TD class="tr16 td209"><P class="p90 ft6">Bestämmelserna</P></TD>
<TD class="tr16 td33"><P class="p3 ft6">i</P></TD>
<TD class="tr16 td46"><P class="p3 ft41"><NOBR>37–41</NOBR> §§</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">gäller också för betalningstrans-</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft6">gäller också för betalningstrans-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft3">aktioner där det sker en växling</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p3 ft3">aktioner där det sker en växling</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">mellan euro och svenska kronor,</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft6">mellan euro och svenska kronor,</P></TD>
</TR>
<TR>
<TD class="tr16 td209"><P class="p3 ft6">om</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td98"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td209"><P class="p3 ft6">om</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p79 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">växlingen sker i Sverige, och</SPAN></P>
<P class="p514 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">när det gäller en transaktion till eller från ett annat land, över- föringen av medlen mellan länderna sker i euro.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=3 class="tr28 td112"><P class="p90 ft7">Bestämmelserna</P></TD>
<TD colspan=4 class="tr28 td113"><P class="p62 ft4"><SPAN class="ft3">i </SPAN><NOBR>18–22</NOBR> §§ <SPAN class="ft3">är</SPAN></P></TD>
<TD colspan=3 class="tr28 td112"><P class="p90 ft7">Bestämmelserna</P></TD>
<TD colspan=4 class="tr28 td87"><P class="p17 ft4"><SPAN class="ft3">i </SPAN><NOBR>37–41</NOBR> §§ <SPAN class="ft3">är</SPAN></P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">även tillämpliga på andra betal-</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft6">även tillämpliga på andra betal-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td112"><P class="p3 ft5">ningstransaktioner</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p42 ft6">än</P></TD>
<TD class="tr16 td180"><P class="p1 ft6">de</P></TD>
<TD class="tr16 td177"><P class="p62 ft7">som</P></TD>
<TD colspan=3 class="tr16 td112"><P class="p3 ft5">ningstransaktioner</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p42 ft6">än</P></TD>
<TD class="tr16 td180"><P class="p1 ft6">de</P></TD>
<TD class="tr16 td27"><P class="p17 ft7">som</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">anges i första och andra styckena.</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft5">anges i första och andra styckena.</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p62 ft6">Bestämmelserna i <SPAN class="ft4">18, 19, 21 och</SPAN></P></TD>
<TD colspan=7 class="tr16 td61"><P class="p17 ft6">Bestämmelserna i <SPAN class="ft4">37, 38, 40 och</SPAN></P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6"><SPAN class="ft4">22 §§ </SPAN>är dock inte tillämpliga, om</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft5"><SPAN class="ft41">41 §§ </SPAN>är dock inte tillämpliga, om</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft3">annat</P></TD>
<TD class="tr15 td126"><P class="p130 ft7">har</P></TD>
<TD colspan=3 class="tr15 td208"><P class="p181 ft3">avtalats</P></TD>
<TD colspan=2 class="tr15 td98"><P class="p62 ft3">mellan</P></TD>
<TD class="tr15 td90"><P class="p3 ft3">annat</P></TD>
<TD class="tr15 td180"><P class="p90 ft7">har</P></TD>
<TD colspan=3 class="tr15 td208"><P class="p181 ft3">avtalats</P></TD>
<TD colspan=2 class="tr15 td46"><P class="p17 ft3">mellan</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td95"><P class="p3 ft5">betaltjänstanvändaren</P></TD>
<TD colspan=3 class="tr16 td43"><P class="p62 ft6">och betal-</P></TD>
<TD colspan=4 class="tr16 td95"><P class="p3 ft5">betaltjänstanvändaren</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft6">och betal-</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">tjänstleverantören. Om användaren</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft7">tjänstleverantören. Om användaren</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td112"><P class="p3 ft3">och leverantören,</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p154 ft3">med</P></TD>
<TD colspan=2 class="tr15 td98"><P class="p62 ft5">avvikelse</P></TD>
<TD colspan=3 class="tr15 td112"><P class="p3 ft3">och leverantören,</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p154 ft3">med</P></TD>
<TD colspan=2 class="tr15 td46"><P class="p17 ft5">avvikelse</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4"><SPAN class="ft6">från </SPAN>18 § första stycket<SPAN class="ft6">, avtalar om</SPAN></P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft41"><SPAN class="ft5">från </SPAN>37 § första stycket<SPAN class="ft5">, avtalar om</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft6">när</P></TD>
<TD colspan=4 class="tr16 td116"><P class="p42 ft6">kreditering</P></TD>
<TD class="tr16 td180"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p62 ft6">av</P></TD>
<TD class="tr16 td90"><P class="p3 ft6">när</P></TD>
<TD colspan=4 class="tr16 td195"><P class="p42 ft6">kreditering</P></TD>
<TD class="tr16 td180"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p17 ft6">av</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td95"><P class="p3 ft7">betalningsmottagarens</P></TD>
<TD colspan=3 class="tr15 td43"><P class="p62 ft3">leverantörs</P></TD>
<TD colspan=4 class="tr15 td95"><P class="p3 ft7">betalningsmottagarens</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p17 ft3">leverantörs</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft5">konto senast ska ske, får tidpunkten</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft7">konto senast ska ske, får tidpunkten</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">inte vara senare än fyra bankdagar</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft7">inte vara senare än fyra bankdagar</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft3">efter</P></TD>
<TD class="tr15 td126"><P class="p3 ft3">det</P></TD>
<TD class="tr15 td135"><P class="p70 ft3">att</P></TD>
<TD colspan=4 class="tr15 td113"><P class="p62 ft7">betalningsordern</P></TD>
<TD class="tr15 td90"><P class="p3 ft3">efter</P></TD>
<TD class="tr15 td180"><P class="p3 ft3">det</P></TD>
<TD class="tr15 td135"><P class="p70 ft3">att</P></TD>
<TD colspan=4 class="tr15 td87"><P class="p17 ft7">betalningsordern</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td95"><P class="p3 ft3">mottagits enligt <SPAN class="ft4">19 §.</SPAN></P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td177"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr20 td95"><P class="p3 ft3">mottagits enligt <SPAN class="ft4">38 §.</SPAN></P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td180"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td62"><P class="p356 ft3">37 §</P></TD>
<TD class="tr29 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p90 ft6">När</P></TD>
<TD class="tr16 td126"><P class="p70 ft6">en</P></TD>
<TD colspan=4 class="tr16 td195"><P class="p70 ft6">betalningsorder</P></TD>
<TD class="tr16 td177"><P class="p62 ft6">har</P></TD>
<TD class="tr16 td90"><P class="p90 ft6">När</P></TD>
<TD class="tr16 td180"><P class="p74 ft6">en</P></TD>
<TD colspan=4 class="tr16 td195"><P class="p70 ft6">betalningsorder</P></TD>
<TD class="tr16 td27"><P class="p17 ft6">har</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">mottagits enligt <SPAN class="ft4">9 §, </SPAN>ska betalarens</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft7">mottagits enligt <SPAN class="ft72">28 §, </SPAN>ska betalarens</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td95"><P class="p3 ft3">betaltjänstleverantör</P></TD>
<TD class="tr15 td182"><P style="font: 10px 'Arial';line-height: 13px;" class="p218">se</P></TD>
<TD class="tr15 td180"><P class="p93 ft3">till</P></TD>
<TD class="tr15 td177"><P class="p62 ft3">att</P></TD>
<TD colspan=4 class="tr15 td95"><P class="p3 ft3">betaltjänstleverantör</P></TD>
<TD class="tr15 td182"><P style="font: 10px 'Arial';line-height: 13px;" class="p218">se</P></TD>
<TD class="tr15 td180"><P class="p93 ft3">till</P></TD>
<TD class="tr15 td27"><P class="p17 ft3">att</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td152"><P class="p3 ft7">betalningstransaktionens</P></TD>
<TD colspan=2 class="tr16 td98"><P class="p62 ft6">belopp</P></TD>
<TD colspan=5 class="tr16 td152"><P class="p3 ft7">betalningstransaktionens</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p17 ft6">belopp</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td140"><P class="p3 ft6">krediteras</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr16"><P class="p62 ft7">betalningsmottagarens</P></TD>
<TD colspan=2 class="tr16 td140"><P class="p3 ft6">krediteras</P></TD>
<TD colspan=5 class="tr16 td86"><P class="p17 ft7">betalningsmottagarens</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">betaltjänstleverantörs konto senast</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft7">betaltjänstleverantörs konto senast</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr21 td60"><P class="p3 ft23">vid slutet av nästföljande bankdag.</P></TD>
<TD colspan=7 class="tr21 td61"><P class="p3 ft24">vid slutet av nästföljande bankdag.</P></TD>
</TR>
</TABLE>
<P class="p514 ft3">För betalningstransaktioner som initierats på papper får betal- tjänstleverantören förlänga tiden med en bankdag.</P>
<P style="text-align: left;padding-left: 185px;margin-top: 11px;margin-bottom: 0px;" class="ft3">39 §</P>
<P class="p611 ft40">Betalningsmottagarens betaltjänstleverantör ska valutera och göra betalningstransaktionens belopp tillgängligt på mottagarens betalkonto.</P>
<P class="p611 ft5">Valuteringsdagen för kreditering av betalningsmottagarens betalkonto ska vara senast den bankdag då betalningstransaktionens belopp krediteras mottagarens betaltjänstleverantörs konto.</P>
<P class="p784 ft40">Betalningsmottagarens betal- Betalningsmottagarens betal- tjänstleverantör ska säkerställa att tjänstleverantör ska säkerställa att betalningstransaktionens belopp betalningstransaktionens belopp</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">531</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_532" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">532</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td60"><P class="p3 ft3">ställs till mottagarens förfogande så</P></TD>
<TD class="tr2 td72"><P class="p3 ft7">ställs till mottagarens förfogande så</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">snart som möjligt efter det att</P></TD>
<TD class="tr15 td72"><P class="p3 ft3">snart som möjligt efter det att</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">beloppet krediteras mottagarens</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">beloppet krediteras mottagarens</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">leverantörs konto.</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">leverantörs konto <SPAN class="ft4">när det hos</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td72"><P class="p3 ft4">leverantören</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td72"><P class="p31 ft41">1. inte görs någon valutaväxling,</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft4">eller</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td72"><P class="p31 ft4">2. görs en växling mellan euro</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft4">och en medlemsstats valuta eller</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft4">mellan två medlemsstaters valutor.</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td72"><P class="p31 ft4">Tredje stycket gäller även be-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft4">talningar inom en och samma</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft4">betaltjänstleverantör.</P></TD>
</TR>
</TABLE>
<P class="p463 ft5">Valuteringsdagen för debitering av betalarens betalkonto infaller tidigast när betalningstransaktionens belopp debiteras detta betalkonto.</P>
<P class="p463 ft124">För autogiro gäller att en betalningsorder ska lämnas i sådan tid att betalningstransaktionen kan slutföras på den överenskomna förfallodagen.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;margin-top: 8px;font: 13px 'Arial';">
<TR>
<TD class="tr2 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td115"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td35"><P class="p216 ft3">40 §</P></TD>
<TD class="tr2 td200"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td208"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td180"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td90"><P class="p31 ft3">Om</P></TD>
<TD colspan=2 class="tr15 td108"><P class="p72 ft7">betalningsmottagaren</P></TD>
<TD class="tr15 td14"><P class="p21 ft3">inte</P></TD>
<TD class="tr15 td90"><P class="p31 ft3">Om</P></TD>
<TD colspan=2 class="tr15 td108"><P class="p72 ft7">betalningsmottagaren</P></TD>
<TD class="tr15 td180"><P class="p17 ft3">inte</P></TD>
</TR>
<TR>
<TD class="tr16 td90"><P class="p3 ft6">har</P></TD>
<TD class="tr16 td68"><P class="p3 ft7">något</P></TD>
<TD class="tr16 td115"><P style="text-align: left;padding-left: 23px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">betalkonto</P></TD>
<TD class="tr16 td14"><P class="p21 ft6">hos</P></TD>
<TD class="tr16 td90"><P class="p3 ft6">har</P></TD>
<TD class="tr16 td200"><P class="p3 ft6">något</P></TD>
<TD class="tr16 td208"><P class="p3 ft6">betalkonto</P></TD>
<TD class="tr16 td180"><P class="p17 ft6">hos</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td186"><P class="p3 ft6">betaltjänstleverantören som</P></TD>
<TD class="tr16 td14"><P class="p21 ft6">tar</P></TD>
<TD colspan=3 class="tr16 td186"><P class="p3 ft6">betaltjänstleverantören som</P></TD>
<TD class="tr16 td180"><P class="p27 ft6">tar</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p3 ft3">emot medlen, ska denne göra dem</P></TD>
<TD colspan=4 class="tr15 td72"><P class="p3 ft7">emot medlen, ska denne göra dem</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td141"><P class="p3 ft6">tillgängliga</P></TD>
<TD class="tr16 td115"><P class="p3 ft6">för mottagaren</P></TD>
<TD class="tr16 td14"><P class="p21 ft6">inom</P></TD>
<TD colspan=2 class="tr16 td190"><P class="p3 ft6">tillgängliga för</P></TD>
<TD class="tr16 td208"><P class="p146 ft6">mottagaren</P></TD>
<TD class="tr16 td180"><P class="p17 ft6">inom</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td60"><P class="p3 ft3">den tid som anges i <SPAN class="ft4">18 och 19 §§.</SPAN></P></TD>
<TD colspan=4 class="tr20 td72"><P class="p3 ft5">den tid som anges i <SPAN class="ft41">37 och 38 §§.</SPAN></P></TD>
</TR>
</TABLE>
<P class="p220 ft3">42 §</P>
<P class="p463 ft40">Om en betalningsorder utförts med hjälp av en unik identifikationskod, ska betalningsordern anses ha utförts korrekt i förhållande till den</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 13px 'Arial';">
<TR>
<TD colspan=9 class="tr28 td228"><P class="p3 ft7">betalningsmottagare som angetts i identifikationskoden.</P></TD>
<TD class="tr28 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td67"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p21 ft6">Om den unika identifikationskod</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft6">Om den unika identifikationskod</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft3">som</P></TD>
<TD class="tr15 td46"><P class="p75 ft5">angetts</P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p76 ft3">av</P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td73"><P class="p21 ft3">betal-</P></TD>
<TD class="tr15 td20"><P class="p3 ft3">som</P></TD>
<TD class="tr15 td50"><P class="p75 ft3">angetts</P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p76 ft3">av</P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td75"><P class="p17 ft3">betal-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td175"><P class="p3 ft7">tjänstanvändaren</P></TD>
<TD class="tr16 td67"><P class="p41 ft6">är</P></TD>
<TD colspan=3 class="tr16 td150"><P class="p74 ft6">felaktig,</P></TD>
<TD class="tr16 td135"><P class="p21 ft7">ska</P></TD>
<TD colspan=2 class="tr16 td198"><P class="p3 ft6">tjänstanvändaren</P></TD>
<TD class="tr16 td6"><P class="p3 ft6">är</P></TD>
<TD colspan=3 class="tr16 td150"><P class="p74 ft6">felaktig,</P></TD>
<TD class="tr16 td67"><P class="p27 ft7">ska</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td253"><P class="p3 ft6">betaltjänstleverantören</P></TD>
<TD class="tr16 td162"><P class="p3 ft6">inte</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p21 ft6">vara</P></TD>
<TD colspan=4 class="tr16 td253"><P class="p3 ft6">betaltjänstleverantören</P></TD>
<TD class="tr16 td162"><P class="p3 ft6">inte</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p17 ft6">vara</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td175"><P class="p3 ft3">ansvarig enligt</P></TD>
<TD colspan=4 class="tr15 td31"><P class="p202 ft4"><NOBR>25–29</NOBR> §§ <SPAN class="ft3">för</SPAN></P></TD>
<TD class="tr15 td135"><P class="p21 ft3">att</P></TD>
<TD colspan=6 class="tr15 td42"><P class="p3 ft3">ansvarig enligt <NOBR><SPAN class="ft4">44–48</SPAN></NOBR><SPAN class="ft4"> §§ </SPAN>för</P></TD>
<TD class="tr15 td67"><P class="p17 ft3">att</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td253"><P class="p3 ft5">betalningstransaktionen</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p170 ft5">inte</P></TD>
<TD class="tr16 td135"><P class="p21 ft6">har</P></TD>
<TD colspan=4 class="tr16 td253"><P class="p3 ft5">betalningstransaktionen</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p170 ft5">inte</P></TD>
<TD class="tr16 td67"><P class="p17 ft6">har</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">genomförts eller för brister i</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft6">genomförts eller för brister i</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">genomförandet av transaktionen.</P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft3">genomförandet av transaktionen.</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td253"><P class="p76 ft5">Betaltjänstleverantören</P></TD>
<TD class="tr16 td162"><P class="p276 ft6">till</P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td135"><P class="p21 ft7">den</P></TD>
<TD colspan=4 class="tr16 td253"><P class="p218 ft5">Betaltjänstleverantören</P></TD>
<TD class="tr16 td162"><P class="p276 ft6">till</P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p17 ft7">den</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">betaltjänstanvändare som lämnade</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft7">betaltjänstanvändare som lämnade</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td175"><P class="p3 ft7">betalningsordern</P></TD>
<TD colspan=3 class="tr15 td103"><P class="p74 ft3">ska dock</P></TD>
<TD colspan=2 class="tr15 td73"><P class="p21 ft3">vidta</P></TD>
<TD colspan=2 class="tr15 td198"><P class="p3 ft3">betalningsordern</P></TD>
<TD colspan=3 class="tr15 td150"><P class="p3 ft3">ska dock</P></TD>
<TD colspan=2 class="tr15 td75"><P class="p17 ft3">vidta</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">skäliga åtgärder för att få tillbaka</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft6">skäliga åtgärder för att få tillbaka</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft6">de</P></TD>
<TD class="tr16 td46"><P class="p3 ft6">medel</P></TD>
<TD colspan=2 class="tr16 td81"><P class="p129 ft6">som</P></TD>
<TD class="tr16 td162"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td73"><P class="p21 ft6">betal-</P></TD>
<TD class="tr16 td20"><P class="p3 ft6">de</P></TD>
<TD class="tr16 td50"><P class="p3 ft6">medel</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p129 ft6">som</P></TD>
<TD class="tr16 td162"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td75"><P class="p17 ft6">betal-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td118"><P class="p3 ft3">ningstransaktionen</P></TD>
<TD colspan=2 class="tr15 td119"><P style="text-align: center;padding-right: 11px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">avsåg.</P></TD>
<TD colspan=2 class="tr15 td73"><P class="p21 ft3">Leve-</P></TD>
<TD colspan=3 class="tr15 td118"><P class="p3 ft3">ningstransaktionen</P></TD>
<TD colspan=2 class="tr15 td119"><P class="p3 ft3">avsåg.</P></TD>
<TD colspan=2 class="tr15 td75"><P class="p17 ft3">Leve-</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">rantören får ta ut en avgift av</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft6">rantören får ta ut en avgift av</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">användaren för de åtgärder som</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft6">användaren för de åtgärder som</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">vidtas, om ett ramavtal med an-</P></TD>
<TD colspan=7 class="tr15 td72"><P class="p17 ft3">vidtas, om ett ramavtal med an-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td253"><P class="p3 ft6">vändaren medger det.</P></TD>
<TD class="tr16 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft6">vändaren medger det. <SPAN class="ft4">Betal-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td198"><P class="p3 ft4">ningsmottagarens</P></TD>
<TD colspan=5 class="tr16 td137"><P class="p27 ft4">betaltjänstleve-</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p17 ft4">rantör ska bistå i detta arbete och</P></TD>
</TR>
<TR>
<TD class="tr28 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr28 td72"><P class="p17 ft4">lämna all relevant information för</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_533" style="position:relative; overflow: hidden;margin: 49px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P class="p236 ft4">att medlen ska kunna återfås.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Om det inte är möjligt att återfå de medel som betalnings- transaktionen avsåg ska betal- tjänstleverantören till den betal- tjänstanvändare som lämnade be- talningsordern på skriftlig begäran förse betaltjänstanvändaren med all relevant information som denne</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 18px;margin-bottom: 0px;" class="ft56">behöver för att återvinna medlen på rättslig väg.</P>
<P class="p244 ft3">44 §</P>
<P class="p103 ft5">Betalarens betaltjänstleverantör ansvarar gentemot betalaren för att en</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD colspan=11 style="padding: 0px;margin: 0px;width: 312px;vertical-align: bottom;" class="tr20"><P class="p3 ft5">betalningsorder som betalaren har initierat utförs korrekt.</P></TD>
<TD class="tr20 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td135"><P class="p90 ft3">Om</P></TD>
<TD colspan=3 class="tr15 td84"><P class="p28 ft3">betalarens</P></TD>
<TD colspan=3 class="tr15 td43"><P class="p62 ft3">betaltjänst-</P></TD>
<TD class="tr15 td164"><P class="p90 ft5">Om</P></TD>
<TD colspan=3 class="tr15 td190"><P class="p28 ft3">betalarens</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p17 ft3">betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">leverantör kan styrka att mot-</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft6">leverantör kan styrka att mot-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">tagarens leverantör har tagit emot</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft5">tagarens leverantör har tagit emot</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td217"><P class="p3 ft3">betalningstransaktionens</P></TD>
<TD colspan=2 class="tr15 td150"><P class="p62 ft3">belopp</P></TD>
<TD colspan=5 class="tr15 td217"><P class="p3 ft3">betalningstransaktionens</P></TD>
<TD colspan=2 class="tr15 td81"><P class="p17 ft3">belopp</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td135"><P class="p3 ft6">enligt</P></TD>
<TD class="tr16 td164"><P class="p157 ft4">18 §,</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p178 ft7">ansvarar</P></TD>
<TD colspan=3 class="tr16 td43"><P class="p62 ft7">mottagarens</P></TD>
<TD class="tr16 td164"><P class="p3 ft6">enligt</P></TD>
<TD class="tr16 td135"><P class="p157 ft4">37 §,</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p178 ft7">ansvarar</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft7">mottagarens</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td78"><P class="p3 ft6">leverantör</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p129 ft7">gentemot</P></TD>
<TD colspan=3 class="tr16 td43"><P class="p62 ft6">mottagaren</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p3 ft6">leverantör</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p129 ft7">gentemot</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft6">mottagaren</P></TD>
</TR>
<TR>
<TD class="tr15 td105"><P class="p3 ft3">för</P></TD>
<TD colspan=4 class="tr15 td110"><P class="p177 ft5">att transaktionen</P></TD>
<TD colspan=3 class="tr15 td43"><P class="p62 ft3">genomförs</P></TD>
<TD colspan=4 class="tr15 td95"><P class="p3 ft3">för att transaktionen</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p17 ft3">genomförs</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr20 td78"><P class="p3 ft3">korrekt.</P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td78"><P class="p3 ft3">korrekt.</P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td78"><P class="p511 ft3">45 §</P></TD>
<TD class="tr29 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td120"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td135"><P class="p90 ft6">Om</P></TD>
<TD colspan=3 class="tr16 td84"><P class="p28 ft6">betalarens</P></TD>
<TD colspan=3 class="tr16 td43"><P class="p62 ft6">betaltjänst-</P></TD>
<TD class="tr16 td164"><P class="p90 ft5">Om</P></TD>
<TD colspan=3 class="tr16 td190"><P class="p28 ft6">betalarens</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft6">betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">leverantör ansvarar för genom-</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft6">leverantör ansvarar för genom-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td60"><P class="p3 ft3">förandet av en betalningstrans-</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft3">förandet av en betalningstrans-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft4"><SPAN class="ft6">aktion enligt </SPAN>25 § första stycket<SPAN class="ft6">,</SPAN></P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft4"><SPAN class="ft6">aktion enligt </SPAN>44 § första stycket<SPAN class="ft6">,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td105"><P class="p3 ft6">ska</P></TD>
<TD colspan=3 class="tr16 td106"><P class="p182 ft7">leverantören</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p71 ft6">utan</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p62 ft5">onödigt</P></TD>
<TD class="tr16 td164"><P class="p3 ft6">ska</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p326 ft7">leverantören</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p71 ft6">utan</P></TD>
<TD colspan=2 class="tr16 td81"><P class="p17 ft5">onödigt</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td60"><P class="p3 ft3">dröjsmål återbetala beloppet i en</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft3">dröjsmål återbetala beloppet i en</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td78"><P class="p3 ft6">transaktion</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p177 ft6">som inte</P></TD>
<TD colspan=3 class="tr16 td43"><P class="p62 ft6">genomförts</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p3 ft6">transaktion</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p177 ft6">som inte</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft6">genomförts</P></TD>
</TR>
<TR>
<TD class="tr16 td105"><P class="p3 ft6">eller</P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td165"><P class="p239 ft7">genomförts</P></TD>
<TD colspan=3 class="tr16 td55"><P class="p3 ft6">bristfälligt</P></TD>
<TD class="tr16 td135"><P class="p62 ft6">till</P></TD>
<TD class="tr16 td164"><P class="p3 ft6">eller</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p135 ft7">genomförts</P></TD>
<TD colspan=3 class="tr16 td55"><P class="p3 ft6">bristfälligt</P></TD>
<TD class="tr16 td120"><P class="p17 ft6">till</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td78"><P class="p3 ft3">betalaren</P></TD>
<TD class="tr15 td81"><P class="p3 ft3">eller</P></TD>
<TD colspan=3 class="tr15 td55"><P class="p3 ft3">återställa</P></TD>
<TD class="tr15 td135"><P class="p62 ft3">det</P></TD>
<TD colspan=2 class="tr15 td78"><P class="p3 ft3">betalaren</P></TD>
<TD class="tr15 td81"><P class="p3 ft3">eller</P></TD>
<TD colspan=3 class="tr15 td55"><P class="p3 ft3">återställa</P></TD>
<TD class="tr15 td120"><P class="p17 ft3">det</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td78"><P class="p3 ft6">debiterade</P></TD>
<TD colspan=3 class="tr16 td106"><P class="p74 ft6">betalkontots</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p62 ft6">konto-</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p3 ft6">debiterade</P></TD>
<TD colspan=3 class="tr16 td106"><P class="p41 ft6">betalkontots</P></TD>
<TD colspan=2 class="tr16 td81"><P class="p17 ft6">konto-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">ställning till den som det skulle ha</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft5">ställning till den som det skulle ha</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td60"><P class="p3 ft3">haft om den bristfälligt genom-</P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft3">haft om den bristfälligt genom-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">förda transaktionen inte hade ägt</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft5">förda transaktionen inte hade ägt</P></TD>
</TR>
<TR>
<TD class="tr16 td105"><P class="p3 ft6">rum.</P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft4"><SPAN class="ft6">rum. </SPAN>Valuteringsdagen för kredi-</P></TD>
</TR>
<TR>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td61"><P class="p3 ft41">tering av betalarens betalkonto får</P></TD>
</TR>
<TR>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft4">inte infalla senare än den dag då</P></TD>
</TR>
<TR>
<TD colspan=2 rowspan=2 class="tr25 td135"><P class="p90 ft3">Om</P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD colspan=5 rowspan=2 class="tr25 td111"><P class="p62 ft7">betalningsmottagarens</P></TD>
<TD colspan=6 class="tr16 td42"><P class="p3 ft4">beloppet debiterades kontot.</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p90 ft5">Om</P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td95"><P class="p17 ft7">betalningsmottagarens</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td24"><P class="p3 ft7">betaltjänstleverantör</P></TD>
<TD colspan=3 class="tr16 td55"><P class="p180 ft7">ansvarar</P></TD>
<TD class="tr16 td135"><P class="p62 ft6">för</P></TD>
<TD colspan=3 class="tr16 td24"><P class="p3 ft7">betaltjänstleverantör</P></TD>
<TD colspan=3 class="tr16 td55"><P class="p180 ft7">ansvarar</P></TD>
<TD class="tr16 td120"><P class="p17 ft6">för</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td24"><P class="p3 ft6">genomförandet av</P></TD>
<TD class="tr16 td151"><P class="p17 ft6">en</P></TD>
<TD colspan=3 class="tr16 td43"><P class="p62 ft6">transaktion</P></TD>
<TD colspan=3 class="tr16 td24"><P class="p3 ft6">genomförandet av</P></TD>
<TD class="tr16 td151"><P class="p17 ft6">en</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft6">transaktion</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td135"><P class="p3 ft3">enligt</P></TD>
<TD class="tr15 td164"><P class="p17 ft4">25 §</P></TD>
<TD colspan=2 class="tr15 td50"><P class="p178 ft41">andra</P></TD>
<TD colspan=2 class="tr15 td73"><P class="p239 ft41">stycket</P></TD>
<TD class="tr15 td135"><P class="p62 ft7">ska</P></TD>
<TD class="tr15 td164"><P class="p3 ft3">enligt</P></TD>
<TD class="tr15 td135"><P class="p17 ft4">44 §</P></TD>
<TD colspan=2 class="tr15 td50"><P class="p178 ft41">andra</P></TD>
<TD colspan=2 class="tr15 td73"><P class="p239 ft41">stycket</P></TD>
<TD class="tr15 td120"><P class="p17 ft7">ska</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td60"><P class="p3 ft6">leverantören så snart som möjligt</P></TD>
<TD colspan=7 class="tr16 td61"><P class="p3 ft5">leverantören så snart som möjligt</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td135"><P class="p3 ft6">ställa</P></TD>
<TD colspan=3 class="tr16 td84"><P class="p129 ft7">transaktionens</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p71 ft6">belopp</P></TD>
<TD class="tr16 td135"><P class="p62 ft6">till</P></TD>
<TD class="tr16 td164"><P class="p3 ft6">ställa</P></TD>
<TD colspan=3 class="tr16 td190"><P class="p129 ft6">transaktionens</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p71 ft6">belopp</P></TD>
<TD class="tr16 td120"><P class="p17 ft6">till</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td95"><P class="p3 ft7">betalningsmottagarens</P></TD>
<TD colspan=3 class="tr15 td43"><P class="p62 ft3">förfogande</P></TD>
<TD colspan=4 class="tr15 td95"><P class="p3 ft7">betalningsmottagarens</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p17 ft3">förfogande</P></TD>
</TR>
<TR>
<TD class="tr28 td105"><P class="p3 ft3">eller</P></TD>
<TD class="tr28 td161"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td165"><P style="text-align: center;padding-left: 5px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">kreditera</P></TD>
<TD class="tr28 td151"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr28 td43"><P class="p62 ft7">mottagarens</P></TD>
<TD class="tr28 td164"><P class="p3 ft3">eller</P></TD>
<TD colspan=2 class="tr28 td57"><P class="p153 ft3">kreditera</P></TD>
<TD class="tr28 td151"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr28 td78"><P class="p17 ft7">mottagarens</P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">533</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_534" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 561px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">534</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 190px;overflow: hidden;">
<P class="p729 ft3">betalkonto med motsvarande be- lopp.</P>
<P style="text-align: justify;margin-top: 244px;margin-bottom: 0px;text-indent: 11px;" class="ft64">Om en betalare har initierat en betalningsorder, och betal- ningstransaktionen inte genomförs eller genomförs bristfälligt, ska betalarens betaltjänstleverantör på begäran av betalaren så snart som möjligt försöka spåra betalningstransaktionen och underrätta betalaren om resultatet.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 15px;padding: 0px;border:none;width: 194px;overflow: hidden;">
<P class="p302 ft4"><SPAN class="ft3">betalkonto med motsvarande be- lopp. </SPAN>Valuteringsdagen för kredi- tering av betalningsmottagarens betalkonto får inte infalla senare än den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt.</P>
<P class="p762 ft4">När en betalningstransaktion genomförs för sent ska betalnings- mottagarens betaltjänstleverantör, på begäran av betalarens betal- tjänstleverantör se till att valute- ringsdagen för kreditering av betal- ningsmottagarens konto inte infaller senare än den dag då beloppet skulle ha valuterats om betalnings- transaktionen hade genomförts korrekt.</P>
<P class="p730 ft5">Om en betalare har initierat en betalningsorder, och betal- ningstransaktionen inte genomförs eller genomförs bristfälligt, ska betalarens betaltjänstleverantör på begäran av betalaren så snart som möjligt försöka spåra betalningstransaktionen och underrätta betalaren om resultatet.</P>
<P style="text-align: justify;padding-right: 6px;margin-top: 5px;margin-bottom: 0px;" class="ft50">Detta ska vara avgiftsfritt för betalaren<SPAN class="ft76">.</SPAN></P>
</DIV>
</DIV>
<DIV style="border:none;margin: 9px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr2 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td118"><P class="p227 ft3">46 §</P></TD>
<TD class="tr2 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td164"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td268"><P class="p31 ft3">Betalningsmottagarens</P></TD>
<TD class="tr15 td123"><P class="p21 ft5">betal-</P></TD>
<TD colspan=3 class="tr15 td268"><P class="p31 ft3">Betalningsmottagarens</P></TD>
<TD class="tr15 td164"><P class="p27 ft7">betal-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6">tjänstleverantör ansvarar gentemot</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p3 ft7">tjänstleverantör ansvarar gentemot</P></TD>
</TR>
<TR>
<TD class="tr16 td122"><P class="p3 ft6">mottagaren</P></TD>
<TD class="tr16 td46"><P class="p636 ft6">för</P></TD>
<TD class="tr16 td20"><P class="p41 ft6">att</P></TD>
<TD class="tr16 td123"><P class="p21 ft5">betal-</P></TD>
<TD class="tr16 td122"><P class="p3 ft6">mottagaren</P></TD>
<TD class="tr16 td46"><P class="p180 ft6">för</P></TD>
<TD class="tr16 td20"><P class="p41 ft6">att</P></TD>
<TD class="tr16 td164"><P class="p17 ft5">betal-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td139"><P class="p3 ft5">ningstransaktionens</P></TD>
<TD class="tr15 td20"><P class="p3 ft3">belopp</P></TD>
<TD class="tr15 td123"><P class="p21 ft3">ställs</P></TD>
<TD colspan=2 class="tr15 td139"><P class="p3 ft5">ningstransaktionens</P></TD>
<TD class="tr15 td20"><P class="p3 ft3">belopp</P></TD>
<TD class="tr15 td164"><P class="p17 ft3">ställs</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td268"><P class="p3 ft6">till mottagarens förfogande</P></TD>
<TD class="tr16 td123"><P class="p21 ft6">enligt</P></TD>
<TD colspan=3 class="tr16 td268"><P class="p3 ft6">till mottagarens förfogande</P></TD>
<TD class="tr16 td164"><P class="p17 ft6">enligt</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6"><SPAN class="ft4">20 § </SPAN>och för att en betalningsorder</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p3 ft5"><SPAN class="ft41">39 § </SPAN>och för att en betalningsorder</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p3 ft3">som initierats av eller via</P></TD>
<TD colspan=4 class="tr15 td72"><P class="p3 ft3">som initierats av eller via</P></TD>
</TR>
<TR>
<TD class="tr16 td122"><P class="p3 ft6">mottagaren</P></TD>
<TD class="tr16 td46"><P class="p74 ft6">överförs</P></TD>
<TD colspan=2 class="tr16 td137"><P class="p21 ft6">korrekt till</P></TD>
<TD class="tr16 td122"><P class="p3 ft6">mottagaren</P></TD>
<TD class="tr16 td46"><P style="text-align: center;padding-left: 5px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">överförs</P></TD>
<TD colspan=2 class="tr16 td18"><P class="p27 ft6">korrekt till</P></TD>
</TR>
<TR>
<TD class="tr16 td122"><P class="p3 ft6">betalarens</P></TD>
<TD colspan=3 class="tr16 td147"><P class="p21 ft6">betaltjänstleverantör i</P></TD>
<TD class="tr16 td122"><P class="p3 ft6">betalarens</P></TD>
<TD colspan=3 class="tr16 td169"><P class="p17 ft6">betaltjänstleverantör i</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td139"><P class="p3 ft6">enlighet med <SPAN class="ft4">19 §.</SPAN></P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td139"><P class="p3 ft6">enlighet med <SPAN class="ft4">38 §.</SPAN></P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p145 ft5">En betaltjänstleverantör som är ansvarig enligt första stycket och har försökt utföra en betalningsorder ska så snart som möjligt överföra den berörda betalningsordern på nytt till betalarens betaltjänstleverantör.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 5px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Om en betalningsorder överförs sent ska beloppet valuteras på betalningsmottagarens betalkonto senast den dag då beloppet skulle ha valuterats om betalningstrans- aktionen hade genomförts korrekt.</P>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_535" style="position:relative; overflow: hidden;margin: 48px 0px 79px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr2 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td80"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td150"><P class="p510 ft3">47 §</P></TD>
<TD class="tr2 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td182"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td18"><P class="p90 ft3">Betalarens</P></TD>
<TD colspan=4 class="tr15 td201"><P class="p62 ft5">betaltjänstleverantör</P></TD>
<TD colspan=4 class="tr15 td165"><P class="p90 ft5">Betalarens</P></TD>
<TD colspan=6 class="tr15 td96"><P class="p17 ft3">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">ansvarar gentemot betalaren för en</P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft7">ansvarar gentemot betalaren för en</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td175"><P class="p3 ft6">inte genomförd</P></TD>
<TD colspan=3 class="tr16 td118"><P class="p62 ft6">eller bristfälligt</P></TD>
<TD class="tr16 td94"><P class="p3 ft6">inte</P></TD>
<TD colspan=4 class="tr16 td98"><P class="p41 ft6">genomförd</P></TD>
<TD colspan=2 class="tr16 td66"><P class="p93 ft6">eller</P></TD>
<TD colspan=3 class="tr16 td103"><P class="p17 ft6">bristfälligt</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td18"><P class="p3 ft3">genomförd</P></TD>
<TD colspan=4 class="tr15 td201"><P class="p62 ft7">betalningstransaktion</P></TD>
<TD colspan=3 class="tr15 td166"><P class="p3 ft7">genomförd</P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td96"><P class="p17 ft7">betalningstransaktion</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">som initierats av eller via</P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft6">som initierats av eller via</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td143"><P class="p3 ft7">betalningsmottagaren,</P></TD>
<TD class="tr16 td80"><P class="p307 ft6">utom</P></TD>
<TD class="tr16 td74"><P class="p62 ft6">då</P></TD>
<TD colspan=7 class="tr16 td169"><P class="p3 ft5">betalningsmottagaren,</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p308 ft6">utom</P></TD>
<TD class="tr16 td182"><P class="p17 ft6">då</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td18"><P class="p3 ft3">mottagarens</P></TD>
<TD colspan=4 class="tr15 td201"><P class="p62 ft5">betaltjänstleverantör</P></TD>
<TD colspan=4 class="tr15 td165"><P class="p3 ft3">mottagarens</P></TD>
<TD colspan=6 class="tr15 td96"><P class="p17 ft3">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td143"><P class="p3 ft6">ansvarar gentemot</P></TD>
<TD colspan=2 class="tr16 td205"><P class="p62 ft6">mottagaren</P></TD>
<TD colspan=3 class="tr16 td166"><P class="p3 ft6">ansvarar</P></TD>
<TD colspan=4 class="tr16 td122"><P class="p94 ft7">gentemot</P></TD>
<TD colspan=3 class="tr16 td103"><P class="p17 ft5">mottagaren</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td18"><P class="p3 ft6">enligt <SPAN class="ft4">27 §.</SPAN></P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td166"><P class="p3 ft6">enligt <SPAN class="ft4">46§.</SPAN></P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p90 ft3">En</P></TD>
<TD colspan=2 class="tr15 td46"><P class="p3 ft7">betalares</P></TD>
<TD colspan=3 class="tr15 td118"><P class="p62 ft3">betaltjänstleve-</P></TD>
<TD colspan=2 class="tr15 td90"><P class="p90 ft3">En</P></TD>
<TD colspan=3 class="tr15 td200"><P class="p72 ft7">betalares</P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td47"><P class="p17 ft7">betaltjänstleve-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">rantör som är ansvarig enligt första</P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft7">rantör som är ansvarig enligt första</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft6">stycket</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p148 ft6">ska</P></TD>
<TD colspan=2 class="tr16 td91"><P class="p510 ft6">återbetala</P></TD>
<TD class="tr16 td74"><P class="p62 ft7">be-</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p3 ft5">stycket</P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td75"><P style="text-align: center;padding-right: 14px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">ska</P></TD>
<TD colspan=3 class="tr16 td149"><P class="p75 ft7">återbetala</P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p17 ft7">be-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td143"><P class="p3 ft7">talningstransaktionens</P></TD>
<TD class="tr15 td80"><P class="p154 ft3">belopp</P></TD>
<TD class="tr15 td74"><P class="p21 ft3">till</P></TD>
<TD colspan=7 class="tr15 td169"><P class="p3 ft7">talningstransaktionens</P></TD>
<TD colspan=2 class="tr15 td73"><P class="p241 ft7">belopp</P></TD>
<TD class="tr15 td182"><P class="p17 ft3">till</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">betalaren eller återställa det debi-</P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft5">betalaren eller återställa det debi-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">terade betalkontots kontoställning</P></TD>
<TD colspan=6 class="tr16 td128"><P class="p3 ft5">terade betalkontots</P></TD>
<TD colspan=4 class="tr16 td47"><P class="p17 ft6">kontoställning</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">till den som det skulle ha haft om</P></TD>
<TD colspan=10 class="tr15 td61"><P class="p3 ft5">till den som det skulle ha haft om</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft6">den</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p1 ft6">bristfälligt</P></TD>
<TD colspan=2 class="tr16 td205"><P class="p62 ft6">genomförda</P></TD>
<TD class="tr16 td94"><P class="p3 ft6">den</P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td78"><P class="p71 ft6">bristfälligt</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td103"><P class="p17 ft7">genomförda</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td131"><P class="p3 ft7">transaktionen inte hade ägt rum.</P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft6">transaktionen inte hade ägt rum.</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr15 td61"><P class="p3 ft41">Valuteringsdagen för kreditering av</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td166"><P class="p3 ft4">betalarens</P></TD>
<TD colspan=4 class="tr16 td122"><P class="p70 ft4">betalkonto</P></TD>
<TD class="tr16 td68"><P class="p71 ft4">ska</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p17 ft41">infalla</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft4">senast den dag då beloppet</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td128"><P class="p3 ft4">debiterades kontot.</P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td90"><P class="p90 ft4">Om</P></TD>
<TD colspan=4 class="tr16 td78"><P class="p94 ft41">betalarens</P></TD>
<TD colspan=4 class="tr16 td47"><P class="p17 ft41">betaltjänstleve-</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft4">rantör kan visa att betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td165"><P class="p3 ft4">mottagarens</P></TD>
<TD colspan=6 class="tr15 td96"><P class="p17 ft4">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft4">har tagit emot betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft4">aktionens belopp vid en för sent</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td166"><P class="p3 ft4">genomförd</P></TD>
<TD class="tr15 td6"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td96"><P class="p17 ft41">betalningstransaktion</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft4">ska</P></TD>
<TD colspan=7 class="tr16 td265"><P class="p202 ft41">betalningsmottagarens</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td190"><P class="p3 ft4">tjänstleverantör</P></TD>
<TD colspan=5 class="tr16 td116"><P class="p17 ft4">valutera beloppet</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft4">på</P></TD>
<TD colspan=7 class="tr15 td265"><P class="p3 ft4">betalningsmottagarens</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft4">konto senast den dag då beloppet</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft4">skulle ha valuterats om transak-</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr15 td240"><P class="p3 ft41">tionen hade genomförts korrekt.</P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p90 ft6">Om</P></TD>
<TD class="tr16 td164"><P class="p72 ft6">en</P></TD>
<TD colspan=4 class="tr16 td201"><P class="p62 ft7">betalningstransaktion</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p90 ft6">Om</P></TD>
<TD class="tr16 td67"><P class="p74 ft7">en</P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td96"><P class="p17 ft7">betalningstransaktion</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">initierats av eller via betalnings-</P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft6">initierats av eller via betalnings-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">mottagaren, och transaktionen inte</P></TD>
<TD colspan=10 class="tr15 td61"><P class="p3 ft7">mottagaren, och transaktionen inte</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td18"><P class="p3 ft6">genomförs</P></TD>
<TD colspan=2 class="tr16 td119"><P class="p75 ft6">eller</P></TD>
<TD colspan=2 class="tr16 td205"><P class="p62 ft6">genomförs</P></TD>
<TD colspan=3 class="tr16 td166"><P class="p3 ft7">genomförs</P></TD>
<TD class="tr16 td6"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td74"><P class="p130 ft6">eller</P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td103"><P class="p17 ft6">genomförs</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">bristfälligt, ska mottagarens betal-</P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft5">bristfälligt, ska mottagarens betal-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td175"><P class="p3 ft3">tjänstleverantör</P></TD>
<TD class="tr15 td105"><P class="p3 ft3">på</P></TD>
<TD class="tr15 td80"><P class="p154 ft7">begäran</P></TD>
<TD class="tr15 td74"><P class="p62 ft3">av</P></TD>
<TD colspan=5 class="tr15 td190"><P class="p3 ft3">tjänstleverantör</P></TD>
<TD class="tr15 td151"><P class="p146 ft7">på</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p241 ft3">begäran</P></TD>
<TD class="tr15 td182"><P class="p17 ft3">av</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">mottagaren så snart som möjligt</P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft6">mottagaren så snart som möjligt</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft6">försöka</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p73 ft6">spåra</P></TD>
<TD colspan=3 class="tr16 td118"><P class="p62 ft6">betalningstrans-</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p3 ft7">försöka</P></TD>
<TD colspan=3 class="tr16 td200"><P class="p191 ft6">spåra</P></TD>
<TD colspan=5 class="tr16 td116"><P class="p17 ft6">betalningstrans-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">aktionen och underrätta mot-</P></TD>
<TD colspan=10 class="tr15 td61"><P class="p3 ft3">aktionen och underrätta mot-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td143"><P class="p3 ft7">tagaren om resultatet.</P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD colspan=10 class="tr16 td61"><P class="p3 ft6">tagaren om resultatet. <SPAN class="ft4">Detta ska</SPAN></P></TD>
</TR>
<TR>
<TD class="tr20 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td74"><P class="p3 ft2"> </P></TD>
<TD colspan=9 class="tr20 td240"><P class="p3 ft4">vara avgiftsfritt för mottagaren.</P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p220 ft3">49 §</P>
<P class="p784 ft3">Betaltjänstleverantören får kräva att betaltjänstanvändaren ansvarar för betalningstransaktionens belopp, om användaren inte underrättar leverantören utan onödigt dröjsmål efter att ha fått vetskap om att</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">535</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_536" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">536</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p460 ft6">transaktionen genomförts på ett felaktigt sätt. Detsamma gäller om leverantören har lämnat information om transaktionen till användaren eller gjort informationen tillgänglig för denne enligt bestämmelserna i 4 kap. och användaren inte underrättar leverantören inom 13 månader från det att beloppet belastat kontot.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Det är den kontoförvaltande betaltjänstleverantören som ska underrättas enligt första stycket även om en leverantör av betal- ningsinitieringstjänster har initi- erat den felaktigt genomförda be- talningstransaktionen.</P>
<P style="text-align: left;padding-left: 205px;margin-top: 15px;margin-bottom: 0px;" class="ft4">50 §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om en betalningstransaktion inte har genomförts eller genom- förts bristfälligt och den har initi- erats av betalaren via en leve- rantör av betalningsinitierings- tjänster ska den kontoförvaltande betaltjänstleverantören betala tillbaka beloppet i betalnings- transaktionen till betalaren eller återställa det debiterade betal- kontots kontoställning till den som det skulle ha haft om den brist- fälligt genomförda betalnings- transaktionen inte hade ägt rum. Detta ska inte påverka tillämp- ningen av 42 § andra, tredje och fjärde styckena och 49 §.</P>
<P style="text-align: left;padding-left: 205px;padding-right: 139px;margin-top: 20px;margin-bottom: 0px;" class="ft89">Ansvar för obehöriga transaktioner</P>
<P class="p433 ft4">51 §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om det har genomförts en obehörig transaktion från beta- larens betalkonto ska den konto- förvaltande betaltjänstleveran- tören, om inget annat följer av 52– 56 §§, omedelbart eller senast i slutet av den bankdag som in- träffar efter det att betaltjänst- leverantören har fått kännedom om transaktionen betala tillbaka ett belopp som motsvarar trans- aktionen. Leverantören ska åter- ställa det debiterade betalkontot till den ställning som skulle ha förelegat om den obehöriga trans-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_537" style="position:relative; overflow: hidden;margin: 49px 0px 79px 273px;padding: 0px;border: none;width: 351px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p758 ft4">aktionen inte hade ägt rum. Valuteringsdagen för kreditering av betalarens betalkonto får inte infalla senare än den dag då beloppet debiterades.</P>
<P class="p884 ft4">Om leverantören har rimlig anledning att misstänka att beta- laren genom svikligt handlande har bidragit till den obehöriga transaktionen, och skriftligen in- formerar Finansinspektionen om detta, har leverantören dock alltid rätt till en skälig tid för att under- söka transaktionen innan åter- betalningen ska göras.</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Det är den kontoförvaltande betaltjänstleverantören som ska återbetala beloppet enligt första stycket även om en leverantör av betalningsinitieringstjänster har initierat den obehöriga trans- aktionen.</P>
<P class="p263 ft4">52 §</P>
<P class="p514 ft4">Om en obehörig transaktion har kunnat genomföras till följd av att ett betalningsinstrument kommit bort eller använts obehörigen, får betaltjänstleverantören kräva att betalaren står för beloppet, dock högst 400 kronor.</P>
<P class="p519 ft41">Första stycket gäller inte om betalaren inte kunnat upptäcka att betalningsinstrumentet kommit bort eller använts obehörigen innan den obehöriga transaktionen genomfördes, eller om någon på betaltjänstleverantörens sida har orsakat den förlust som uppkommit till följd av den obehöriga transaktionen.</P>
<P class="p890 ft4">53 §</P>
<P class="p773 ft4">Om en obehörig transaktion har kunnat genomföras till följd av att en skyldighet enligt 6 § åsidosatts genom grov oaktsamhet, ansvarar betalaren för hela beloppet.</P>
<P class="p519 ft50">Är betalaren konsument är an- svaret enligt första stycket begrän- sat till högst 12 000 kronor. Har</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">537</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_538" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 367px;overflow: hidden;">
<P style="text-align: right;padding-right: 225px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">538</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p460 ft50">betalaren handlat särskilt klander- värt, ansvarar han eller hon dock för hela beloppet.</P>
<P class="p268 ft4">54 §</P>
<P class="p289 ft4">Oavsett vad som föreskrivs i 52 och 53 §§, ska betalaren inte ansvara för något belopp som har belastat kontot efter det att han eller hon har anmält till betal- tjänstleverantören att betalnings- instrumentet ska spärras. Detta gäller dock inte om betalaren genom svikligt handlande har bidragit till den obehöriga trans- aktionen.</P>
<P class="p335 ft4">55 §</P>
<P class="p213 ft4">Om betalarens betaltjänstleve- rantör inte har krävt stark kund- autentisering ska den stå för hela beloppet för en obehörig trans- aktion. Detta gäller dock inte om betalaren genom svikligt handlande har bidragit till den obehöriga transaktionen.</P>
<P class="p878 ft4">Om betalningsmottagaren eller dennes betaltjänstleverantör inte har godtagit stark kundautenti- sering ska de ersätta betalarens betaltjänstleverantör för den förlust som drabbat leverantören enligt första stycket.</P>
<P class="p279 ft4">56 §</P>
<P class="p1123 ft4">Betalaren ansvarar för hela be- loppet om han eller hon inte underrättar betaltjänstleverantör- en utan onödigt dröjsmål efter att ha fått vetskap om den obehöriga transaktionen. Detsamma gäller om betaltjänstleverantören har lämnat betalaren information om transaktionen och betalaren inte underrättar betaltjänstleveran- tören inom tretton månader från det att beloppet belastat kontot.</P>
<P style="text-align: justify;padding-right: 68px;margin-top: 6px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Det är den kontoförvaltande betaltjänstleverantören som ska underrättas enligt första stycket även om en leverantör av betal-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_539" style="position:relative; overflow: hidden;margin: 49px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV style="position:absolute;top:632px;left:205px;width:28px;height:15px;"><SPAN class="ft4">59 §</SPAN></DIV>
<DIV style="position:absolute;top:647px;left:205px;width:188px;height:135px;"><SPAN class="ft41">Om en leverantör av betal- ningsinitieringstjänster är ansvarig för en betalningstransaktion som inte har genomförts eller genom- förts bristfälligt eller för en obe- hörig betalningstransaktion ska leverantören omedelbart ersätta den kontoförvaltande betaltjänst- leverantören för de förluster, in-</SPAN></DIV>
<DIV style="position:absolute;top:233px;left:205px;width:188px;height:96px;"><SPAN class="ft64">Om en betalningstransaktion inte genomförs, genomförs bristfälligt eller genomförs obehörigen och felet är hänförligt till en betaltjänstleverantör eller mellan- hand som inte är ansvarig gent- emot betaltjänstanvändare enligt</SPAN></DIV>
<DIV style="position:absolute;top:340px;left:205px;width:188px;height:180px;"><NOBR><SPAN class="ft41">44–48</SPAN></NOBR><SPAN class="ft41"> §§ eller </SPAN><NOBR><SPAN class="ft41">51–55</SPAN></NOBR><SPAN class="ft41"> §§ </SPAN><SPAN class="ft5">har den leverantör som ansvarar gentemot en användare enligt dessa be- stämmelser rätt till ersättning av den leverantör eller mellanhand som orsakade att transaktionen inte genomfördes eller genomfördes bristfälligt. </SPAN><SPAN class="ft41">Rätten till ersättning omfattar även fall där den betaltjänstleverantör som har orsakat felet har underlåtit att tillämpa stark kundautentisering.</SPAN></DIV>
<DIV style="position:absolute;top:524px;left:205px;width:188px;height:95px;"><SPAN class="ft3">Ersättningen ska motsvara de förluster, inbegripet belopp som betalts till betaltjänstanvändare, som uppkommit hos betaltjänst- leverantören enligt </SPAN><NOBR><SPAN class="ft4">44–48</SPAN></NOBR><SPAN class="ft4"> §§ och </SPAN><NOBR><SPAN class="ft4">51–55</SPAN></NOBR><SPAN class="ft4"> §§.</SPAN></DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;" class="ft54">ningsinitieringstjänster har initierat den obehöriga transaktionen.</P>
<P class="p231 ft4">57 §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Om även någon annan än betalaren är behörig enligt konto- avtalet att använda ett betalnings- instrument, ska, vid bedömningen enligt <NOBR>51–56</NOBR> §§ av om betalaren ansvarar för något belopp, den andra personens handlande räknas som om betalaren själv hade hand- lat.</P>
<P style="text-align: left;padding-left: 11px;padding-right: 193px;margin-top: 7px;margin-bottom: 0px;text-indent: 174px;" class="ft76">58 § Om en betalningstransaktion inte</P>
<P style="text-align: justify;padding-right: 212px;margin-top: 0px;margin-bottom: 0px;" class="ft5">genomförs, genomförs bristfälligt eller genomförs obehörigen och felet är hänförligt till en betaltjänstleverantör eller mellan- hand som inte är ansvarig gent- emot betaltjänstanvändare enligt <NOBR><SPAN class="ft41">25–29</SPAN></NOBR><SPAN class="ft41"> §§ </SPAN>har den leverantör som ansvarar gentemot en användare enligt dessa bestämmelser rätt till ersättning av den leverantör eller mellanhand som orsakade att transaktionen inte genomfördes eller genomfördes bristfälligt.</P>
<P style="text-align: justify;padding-right: 218px;margin-top: 80px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Ersättningen ska motsvara de förluster, inbegripet belopp som betalts till betaltjänstanvändare, som uppkommit hos betaltjänst- leverantören enligt <NOBR><SPAN class="ft4">25–29</SPAN></NOBR><SPAN class="ft4"> §§.</SPAN></P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">539</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_540" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">540</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;" class="ft50">begripet belopp som betalats till betaltjänstanvändaren, som upp- kommit hos betaltjänstleverantören enligt <NOBR>44–48</NOBR> §§ eller <NOBR>51–55§§.</NOBR></P>
<P class="p244 ft3">61 §</P>
<P class="p606 ft3">Bestämmelserna i detta kapitel får inte frångås till nackdel för en</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD colspan=4 class="tr20 td102"><P class="p3 ft3">betaltjänstanvändare.</P></TD>
<TD class="tr20 td142"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td102"><P class="p181 ft6">Första stycket hindrar dock inte</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p18 ft5">Första stycket hindrar dock inte</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft6">att</P></TD>
<TD class="tr16 td90"><P class="p36 ft6">en</P></TD>
<TD colspan=2 class="tr16 td168"><P class="p181 ft6">betaltjänstleverantör</P></TD>
<TD class="tr16 td142"><P class="p75 ft6">att</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p130 ft6">en</P></TD>
<TD colspan=5 class="tr16 td63"><P class="p17 ft7">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td102"><P class="p3 ft3">kommer överens med en betal-</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft3">kommer överens med en betal-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td102"><P class="p3 ft6">tjänstanvändare som inte är kon-</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">tjänstanvändare som inte är kon-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td102"><P class="p3 ft6">sument om avvikelser från be-</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">sument om avvikelser från be-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td118"><P class="p3 ft3">stämmelserna i 1 §</P></TD>
<TD class="tr15 td87"><P class="p154 ft5">första stycket,</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft5">stämmelserna i 1 § första stycket,</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft6">1 §</P></TD>
<TD class="tr16 td90"><P class="p3 ft6">första</P></TD>
<TD class="tr16 td119"><P class="p3 ft5">stycket<SPAN class="ft41">,</SPAN></P></TD>
<TD class="tr16 td87"><P class="p181 ft4"><NOBR>6–8</NOBR> §§, 13–</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft41"><NOBR>25–27</NOBR> §§, <NOBR>32–34</NOBR> §§, <NOBR>44–49</NOBR> §§ och</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr20 td118"><P class="p3 ft4">15 §§ och <NOBR>25–30</NOBR> §§.</P></TD>
<TD class="tr20 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td210"><P class="p75 ft4"><NOBR>51–55</NOBR> §§.</P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr29 td9"><P class="p75 ft69">5 a kap.</P></TD>
<TD colspan=3 class="tr29 td62"><P class="p177 ft79">Operativa</P></TD>
<TD colspan=2 class="tr29 td119"><P class="p3 ft69">risker</P></TD>
<TD class="tr29 td13"><P class="p17 ft69">och</P></TD>
</TR>
<TR>
<TD class="tr20 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr20 td242"><P class="p75 ft69">stark kundautentisering</P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr27 td349"><P class="p75 ft69">Hantering av operativa risker</P></TD>
<TD class="tr27 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr31 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td87"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td142"><P class="p75 ft4">1 §</P></TD>
<TD class="tr31 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td242"><P class="p18 ft4">Betaltjänstleverantörer</P></TD>
<TD class="tr16 td27"><P class="p3 ft4">ska</P></TD>
<TD class="tr16 td13"><P class="p17 ft4">ha</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">ett system med lämpliga åtgärder</P></TD>
</TR>
<TR>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td87"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td142"><P class="p75 ft4">och</P></TD>
<TD colspan=5 class="tr15 td209"><P class="p94 ft41">kontrollmekanismer</P></TD>
<TD class="tr15 td27"><P class="p1 ft4">för</P></TD>
<TD class="tr15 td13"><P class="p17 ft4">att</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft41">hantera operativa risker och säker-</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">hetsrisker som är förknippade med</P></TD>
</TR>
<TR>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft4">de betaltjänster som de tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td9"><P class="p75 ft4">håller.</P></TD>
<TD class="tr16 td135"><P class="p72 ft4">Inom</P></TD>
<TD colspan=2 class="tr16 td14"><P class="p75 ft4">ramen</P></TD>
<TD colspan=3 class="tr16 td122"><P class="p17 ft4">för detta</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td9"><P class="p75 ft4">system</P></TD>
<TD class="tr16 td135"><P class="p75 ft4">ska</P></TD>
<TD colspan=5 class="tr16 td63"><P class="p17 ft4">betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td9"><P class="p75 ft4">törerna</P></TD>
<TD colspan=2 class="tr15 td154"><P class="p75 ft4">reglera</P></TD>
<TD class="tr15 td27"><P class="p72 ft4">hur</P></TD>
<TD colspan=3 class="tr15 td122"><P class="p27 ft4">allvarliga</P></TD>
</TR>
<TR>
<TD class="tr28 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr28 td242"><P class="p75 ft4">incidenter ska hanteras.</P></TD>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td87"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td142"><P class="p75 ft4">2 §</P></TD>
<TD class="tr27 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td349"><P class="p18 ft4">Betaltjänstleverantörerna</P></TD>
<TD class="tr16 td13"><P class="p27 ft4">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft41">rapportera till Finansinspektionen</P></TD>
</TR>
<TR>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft4">om operativa risker och säker-</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">hetsrisker som är förknippade med</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">de betaltjänster som de tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft4">håller och om de åtgärder som har</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">vidtagits för att hantera dessa</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td9"><P class="p75 ft4">risker.</P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td349"><P class="p18 ft4">Betaltjänstleverantörerna</P></TD>
<TD class="tr15 td13"><P class="p27 ft4">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">till Finansinspektionen lämna sta-</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td9"><P class="p75 ft4">tistiska</P></TD>
<TD colspan=2 class="tr16 td154"><P class="p3 ft4">uppgifter</P></TD>
<TD class="tr16 td27"><P class="p3 ft4">om</P></TD>
<TD colspan=3 class="tr16 td122"><P class="p17 ft4">bedrägerier</P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td87"><P class="p3 ft46"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">som har ägt rum i samband med</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft56">användningen av olika betal- tjänster.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_541" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 294px;margin-left: 273px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr22 td92"><P class="p3 ft4">3 §</P></TD>
<TD class="tr22 td92"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td208"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td92"><P class="p90 ft4">En</P></TD>
<TD colspan=4 class="tr15 td131"><P class="p42 ft4">betaltjänstleverantör ska</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft4">utan</P></TD>
<TD colspan=3 class="tr16 td167"><P class="p129 ft4">onödigt dröjsmål</P></TD>
<TD class="tr16 td208"><P class="p42 ft41">underrätta</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">Finansinspektionen om en allvarlig</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">operativ incident eller säkerhets-</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">incident som uppkommit i dennes</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td35"><P class="p3 ft4">verksamhet.</P></TD>
<TD class="tr16 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td208"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft4">Om en incident enligt första</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">stycket påverkar eller kan påverka</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">betaltjänstanvändarnas ekonomiska</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td153"><P class="p3 ft4">intressen</P></TD>
<TD class="tr15 td94"><P class="p3 ft4">ska</P></TD>
<TD colspan=2 class="tr15 td209"><P class="p42 ft4">betaltjänstleveran-</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft4">tören</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p73 ft4">utan</P></TD>
<TD class="tr16 td123"><P class="p217 ft41">onödigt</P></TD>
<TD class="tr16 td208"><P class="p42 ft4">dröjsmål</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td153"><P class="p3 ft4">informera</P></TD>
<TD colspan=3 class="tr16 td207"><P class="p42 ft4">betaltjänstanvändarna</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">om incidenten och om alla</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">tillgängliga åtgärder som de kan</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">vidta för att begränsa risken för</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td153"><P class="p3 ft4">skada.</P></TD>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td123"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td208"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 273px;margin-top: 10px;margin-bottom: 0px;" class="ft4">4 §</P>
<P style="text-align: justify;padding-left: 273px;padding-right: 163px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Efter att ha tagit emot en sådan underrättelse som avses i 3 § ska Finansinspektionen utan onödigt dröjsmål lämna över den till Euro- peiska bankmyndigheten och Europeiska centralbanken.</P>
<P style="text-align: left;padding-left: 273px;margin-top: 10px;margin-bottom: 0px;" class="ft4">5 §</P>
<P class="p397 ft50">Regeringen eller den myndighet som regeringen bestämmer får meddela föreskrifter om</P>
<P class="p397 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft52">hur ett system enligt 1 § ska utformas,</SPAN></P>
<P style="text-align: justify;padding-left: 273px;padding-right: 158px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft53">vilka upplysningar som ska lämnas enligt 2 § samt hur och med vilket tidsintervall de ska lämnas,</SPAN></P>
<P class="p397 ft50"><SPAN class="ft4">3.</SPAN><SPAN class="ft49">vad som utgör en allvarig operativ incident eller säkerhets- incident enligt 3 § första stycket,</SPAN></P>
<P class="p397 ft4"><SPAN class="ft4">4.</SPAN><SPAN class="ft53">hur bedömningen av om en incident påverkar eller kan påverka betaltjänstanvändarnas ekonomiska intressen enligt 3§ andra stycket ska göras, och</SPAN></P>
<P style="text-align: justify;padding-left: 273px;padding-right: 163px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft56">5. hur betaltjänstanvändarna ska informeras enligt 3 § andra stycket.</P>
<P style="text-align: right;padding-right: 51px;margin-top: 57px;margin-bottom: 0px;" class="ft3">541</P>
</DIV>
<DIV id="page_542" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 367px;overflow: hidden;">
<P style="text-align: right;padding-right: 225px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">542</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p15 ft69">Stark kundautentisering</P>
<P class="p260 ft4">6 §</P>
<P class="p463 ft39">Den kontoförvaltande betaltjänst- leverantören ska tillämpa stark kundautentisering när betalaren</P>
<P class="p1083 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft53">loggar in på sitt betalkonto online,</SPAN></P>
<P class="p462 ft50"><SPAN class="ft4">2.</SPAN><SPAN class="ft67">initierar en elektronisk be- talningstransaktion, eller</SPAN></P>
<P class="p462 ft4"><SPAN class="ft4">3.</SPAN><SPAN class="ft53">genomför någon åtgärd på distans, som kan innebära en risk för bedrägeri eller andra former av missbruk.</SPAN></P>
<P class="p463 ft41">Den kontoförvaltande betal- tjänstleverantören ska tillämpa stark kundautentisering för elektroniska betalningstrans- aktioner som utförs på distans enligt första stycket 2 och som på ett dynamiskt sätt förbinder trans- aktionen till ett specifikt belopp och en specifik betalningsmottagare.</P>
<P style="text-align: justify;padding-right: 68px;margin-top: 17px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Vad som anges i första och andra styckena gäller även i tillämpliga delar för betalnings- mottagarens betaltjänstleverantör när en betalning initieras via betalningsmottagaren.</P>
<P class="p288 ft4">Den kontoförvaltande betal- tjänstleverantören ansvarar för att stark kundautentisering tillämpas enligt första och andra styckena när en betalning initieras via en leverantör av betalningsinitie- ringstjänster och enligt första stycket 1 och 3 när information begärs via en leverantör av konto- informationstjänster.</P>
<P class="p878 ft4">En betaltjänstleverantör ska skydda betaltjänstanvändarnas personaliserade behörighetsfunk- tioners konfidentialitet och inte- gritet när stark kundautentisering tillämpas. Undantag från skyldig- heten att tillämpa stark kund- autentisering specificeras genom tekniska standarder antagna av Europeiska kommissionen.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_543" style="position:relative; overflow: hidden;margin: 48px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 390px;font: bold 12px 'Arial';">
<TR>
<TD class="tr1 td211"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td341"><P class="p3 ft42">7 kap.</P></TD>
</TR>
<TR>
<TD class="tr29 td211"><P class="p3 ft78">Tillträde till betalningssystem</P></TD>
<TD class="tr29 td341"><P class="p37 ft78">Tillträde till betalningssystem</P></TD>
</TR>
<TR>
<TD class="tr16 td211"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td341"><P class="p37 ft79">och tillträde för betalningsinstitut</P></TD>
</TR>
<TR>
<TD class="tr15 td211"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td341"><P class="p37 ft69">till kreditinstitutens</P></TD>
</TR>
<TR>
<TD class="tr28 td211"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td341"><P class="p37 ft69">betalkontotjänster</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 11px;padding-right: 159px;margin-top: 10px;margin-bottom: 0px;text-indent: 177px;" class="ft40">3 § Bestämmelserna i 1 och 2 §§ gäller inte för</P>
<P class="p514 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">betalningssystem enligt lagen (1999:1309) om system för avveckling av förpliktelser på finansmarknaden, eller</SPAN></P>
<P class="p611 ft5"><SPAN class="ft5">2.</SPAN><SPAN class="ft55">betalningssystem i vilka en betaltjänstleverantör verkar eller kan verka både som betalarens och betalningsmottagarens betaltjänstleverantör samt är ensamt ansvarig för betalningssystemets ledning, och denne betaltjänstleverantör tillåter andra betaltjänstleverantörer att delta i betalningssystemet utan att dessa kan förhandla om avgifter mellan sig avseende betalningssystemet.</SPAN></P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Om en deltagare i ett betal- ningssystem enligt lagen (1999:1309) om system för av- veckling av förpliktelser på finans- marknaden tillåter en betaltjänst- leverantör som inte är deltagare i systemet att sända en överförings- order genom systemet, ska den del- tagaren på begäran på ett objek- tivt, proportionellt och icke- diskriminerande sätt ge även andra betaltjänstleverantörer sam- ma möjligheter i enlighet med bestämmelserna i 1 §. Om begäran om tillträde avslås ska deltagaren ge betaltjänstleverantören en motivering till avslaget.</P>
<P style="text-align: left;padding-left: 205px;margin-top: 34px;margin-bottom: 0px;" class="ft4">4 §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Betalningsinstitut ska på objek- tiva, <NOBR>icke-diskriminerande</NOBR> och proportionella grunder ges till- gång till kreditinstitutens betal- kontotjänster i den omfattning som krävs för att de obehindrat och effektivt ska kunna tillhandahålla betaltjänster.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft39">Om ett kreditinstitut avslår en begäran om tillgång till dess betal- kontotjänster enligt första stycket ska institutet lämna Finansinspek- tionen en motivering till avslaget.</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">543</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_544" style="position:relative; overflow: hidden;margin: 47px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 49px;padding: 0px;border:none;width: 575px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 113px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 3</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr22 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td255"><P style="text-align: center;padding-right: 80px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft78">8 kap.</P></TD>
<TD class="tr22 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td92"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 4px;vertical-align: bottom;" class="tr22"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td255"><P style="text-align: right;padding-right: 95px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">1 §<SPAN class="ft43">13</SPAN></P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 4px;vertical-align: bottom;" class="tr15"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td95"><P class="p31 ft5">Finansinspektionen</P></TD>
<TD class="tr16 td66"><P class="p70 ft6">har</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p21 ft6">tillsyn</P></TD>
<TD colspan=2 class="tr16 td95"><P class="p31 ft5">Finansinspektionen</P></TD>
<TD class="tr16 td66"><P class="p70 ft6">har</P></TD>
<TD colspan=2 class="tr16 td74"><P class="p27 ft5">tillsyn</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">över att bestämmelserna i denna</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft6">över att bestämmelserna i denna</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">lag följs, liksom bestämmelserna i</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft7">lag följs, liksom bestämmelserna i</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td95"><P class="p3 ft6">Europaparlamentets</P></TD>
<TD class="tr16 td66"><P class="p346 ft5">och</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p21 ft7">rådets</P></TD>
<TD colspan=2 class="tr16 td95"><P class="p3 ft6">Europaparlamentets</P></TD>
<TD class="tr16 td66"><P class="p3 ft6">och</P></TD>
<TD colspan=2 class="tr16 td74"><P class="p17 ft7">rådets</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">förordning (EG) nr 924/2009 av</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p27 ft6">förordning (EG) nr 924/2009 av</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">den 16 september 2009 om gräns-</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft7">den 16 september 2009 om gräns-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td156"><P class="p3 ft6">överskridande</P></TD>
<TD colspan=3 class="tr16 td141"><P class="p326 ft7">betalningar</P></TD>
<TD class="tr16 td34"><P class="p21 ft6">i</P></TD>
<TD class="tr16 td156"><P class="p3 ft6">överskridande</P></TD>
<TD colspan=3 class="tr16 td87"><P class="p3 ft6">betalningar</P></TD>
<TD style="padding: 0px;margin: 0px;width: 4px;vertical-align: bottom;" class="tr16"><P class="p17 ft6">i</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">gemenskapen och om upphävande</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft7">gemenskapen och om upphävande</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">av förordning (EG) nr 2560/2001</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p27 ft3">av förordning (EG) nr 2560/2001</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft6">och i</P></TD>
<TD colspan=5 class="tr16 td108"><P class="p308 ft41">Europaparlamentets</P></TD>
<TD class="tr16 td34"><P class="p21 ft4">och</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p27 ft5">och i förordning (EU) nr 260/2012.</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft4">rådets</P></TD>
<TD colspan=3 class="tr16 td18"><P class="p134 ft6">förordning</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p308 ft6">(EU)</P></TD>
<TD class="tr16 td34"><P class="p21 ft6">nr</P></TD>
<TD class="tr16 td156"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 4px;vertical-align: bottom;" class="tr16"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft4"><SPAN class="ft3">260/</SPAN>2012 av den 14 mars 2012 om</P></TD>
<TD class="tr15 td156"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 4px;vertical-align: bottom;" class="tr15"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td18"><P class="p3 ft4">antagande</P></TD>
<TD class="tr16 td105"><P style="text-align: center;padding-right: 11px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">av</P></TD>
<TD colspan=2 class="tr16 td104"><P class="p41 ft4">tekniska</P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p21 ft4">och</P></TD>
<TD class="tr16 td156"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 4px;vertical-align: bottom;" class="tr16"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4">affärsmässiga krav för betalningar</P></TD>
<TD class="tr16 td156"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 4px;vertical-align: bottom;" class="tr16"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft4">och autogireringar i euro och om</P></TD>
<TD class="tr15 td156"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 4px;vertical-align: bottom;" class="tr15"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr21 td73"><P class="p3 ft62">ändring</P></TD>
<TD class="tr21 td105"><P class="p71 ft62">av</P></TD>
<TD colspan=4 class="tr21 td107"><P class="p157 ft62">förordning (EG)</P></TD>
<TD class="tr21 td34"><P class="p21 ft62">nr</P></TD>
<TD class="tr21 td156"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td27"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td66"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td92"><P class="p3 ft22"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 4px;vertical-align: bottom;" class="tr21"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p15 ft4">924/2009.</P>
<P class="p463 ft70">För betalningsinstitut och registrerade betaltjänstleverantörer omfattar tillsynen även att deras betaltjänstverksamhet drivs enligt andra författningar som reglerar deras verksamhet, bolagsordning, stadgar samt interna instruktioner som har sin grund i en författning som reglerar deras verksamhet. I fråga om tillsynen över övriga betaltjänstleverantörer enligt</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr20 td20"><P class="p3 ft3">1 kap.</P></TD>
<TD class="tr20 td140"><P class="p3 ft3">3 § gäller</P></TD>
<TD colspan=3 class="tr20 td76"><P class="p135 ft7">bestämmelserna</P></TD>
<TD colspan=6 class="tr20 td72"><P class="p17 ft3">i de lagar som reglerar deras</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td220"><P class="p3 ft3">verksamhet, om inte annat följer av denna lag.</P></TD>
<TD class="tr15 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft5">Finansinspektionen ska samråda</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft5">Finansinspektionen ska samråda</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td253"><P class="p3 ft6">med Konkurrensverket</P></TD>
<TD class="tr16 td177"><P class="p179 ft7">innan</P></TD>
<TD class="tr16 td75"><P class="p21 ft6">en</P></TD>
<TD class="tr16 td75"><P class="p3 ft6">med</P></TD>
<TD colspan=3 class="tr16 td198"><P class="p202 ft5">Konkurrensverket</P></TD>
<TD class="tr16 td65"><P class="p129 ft6">innan</P></TD>
<TD class="tr16 td182"><P class="p27 ft6">en</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td146"><P class="p3 ft3">tillsynsåtgärd eller</P></TD>
<TD class="tr15 td162"><P class="p146 ft3">ett</P></TD>
<TD colspan=2 class="tr15 td53"><P class="p21 ft7">ingripande</P></TD>
<TD colspan=3 class="tr15 td24"><P class="p3 ft3">tillsynsåtgärd eller</P></TD>
<TD class="tr15 td94"><P class="p71 ft3">ett</P></TD>
<TD colspan=2 class="tr15 td150"><P class="p17 ft7">ingripande</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">vidtas mot någon som har ansvar</P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft5">vidtas mot någon som har ansvar</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft6">för</P></TD>
<TD colspan=3 class="tr16 td168"><P class="p74 ft6">betalningssystem</P></TD>
<TD class="tr16 td75"><P class="p21 ft6">för</P></TD>
<TD class="tr16 td75"><P class="p3 ft6">för</P></TD>
<TD colspan=4 class="tr16 td207"><P class="p240 ft6">betalningssystem</P></TD>
<TD class="tr16 td182"><P class="p17 ft6">för</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">överträdelse av 7 kap. 1 och 2 §§.</P></TD>
<TD colspan=6 class="tr15 td72"><P class="p27 ft5">överträdelse av 7 kap. 1 och 2 §§</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td140"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft41">samt 3 § andra stycket eller mot ett</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td140"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p27 ft41">kreditinstitut för överträdelse av 4 §.</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td153"><P class="p31 ft4">Utöver</P></TD>
<TD colspan=3 class="tr15 td28"><P class="p181 ft41">Finansinspektionen</P></TD>
<TD class="tr15 td182"><P class="p27 ft4">är</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td140"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td72"><P class="p17 ft4">Riksbanken behörig myndighet i</P></TD>
</TR>
<TR>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td140"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft4">fråga</P></TD>
<TD class="tr16 td180"><P class="p41 ft4">om</P></TD>
<TD class="tr16 td123"><P class="p134 ft41">rätten</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p154 ft4">enligt 2 §</P></TD>
<TD class="tr16 td182"><P class="p17 ft4">att</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td72"><P class="p17 ft4">begära upplysningar av utländska</P></TD>
</TR>
<TR>
<TD class="tr21 td20"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td140"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td162"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td177"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td75"><P class="p3 ft22"> </P></TD>
<TD colspan=6 class="tr21 td72"><P class="p17 ft62">företag som tillhandahåller betal-</P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft50">tjänster i Sverige från en filial eller genom ett ombud enligt 3 kap. 26 § samt från en sådan central kontaktpunkt som avses i 2 § tredje stycket.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 74px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P style="text-align: right;padding-right: 341px;margin-top: 0px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">13 </SPAN>Senaste lydelse 2014:220.</P>
<P style="text-align: left;padding-left: 36px;margin-top: 0px;margin-bottom: 0px;" class="ft3">544</P>
</DIV>
</DIV>
<DIV id="page_545" style="position:relative; overflow: hidden;margin: 49px 0px 79px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 188px;padding: 0px;border:none;width: 218px;overflow: hidden;">
<P class="p15 ft3">2 §</P>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft64">Betalningsinstitut, registrerade betaltjänstleverantörer <SPAN class="ft63">och den eller de </SPAN>som har ansvar för ett be- talningssystem ska lämna Finans- inspektionen de upplysningar om sin verksamhet och därmed sam- manhängande omständigheter som inspektionen begär.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 16px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft5">Betalningsinstitut, registrerade betaltjänstleverantörer, den som har ansvar för ett betalnings- system, <SPAN class="ft41">den som bedriver sådan verksamhet som avses i 1 kap. 6 § 5 och 7 § 8, samt utländska företag som tillhandahåller betaltjänster i Sverige från en filial eller genom ett ombud enligt 3 kap. 26 § </SPAN>ska lämna Finansinspektionen de upplysningar om sin verksamhet och därmed sammanhängande omständigheter som inspektionen begär.</P>
<P style="text-align: justify;padding-right: 1px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Finansinspektionen ska ange i vilket syfte inspektionen begär upplysningar enligt första stycket, om det är lämpligt med hänsyn till omständigheterna i det enskilda fallet.</P>
<P class="p632 ft41">Utländska företag som till- handahåller betaltjänster i Sverige från en filial eller genom ett om- bud enligt 3 kap. 26 § ska lämna Riksbanken de upplysningar om sin verksamhet och därmed sam- manhängande omständigheter som banken begär.</P>
<P class="p917 ft41">Utländska företag som till- handahåller betaltjänster i Sverige genom ett ombud enligt 3 kap. 26 § ska utse en central kontaktpunkt här i landet om Finansinspektionen begär det. Den centrala kon- taktpunkten ska lämna de upplys- ningar om företagets verksamhet och därmed sammanhängande om- ständigheter som inspektionen begär.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 31px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P class="p454 ft3">3 §</P>
<P style="text-align: left;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Finansinspektionen får när det är nödvändigt genomföra en undersökning hos</P>
<P class="p79 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">ett betalningsinstitut,</SPAN></P>
<P class="p79 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">en registrerad betaltjänstleverantör, och</SPAN></P>
<P class="p103 ft3">3. utländska företag som tillhandahåller betaltjänster i Sverige enligt</P>
<P class="p15 ft6">3 kap. 26 och 27 §§.</P>
<P class="p514 ft3">Om det behövs för tillsynen av ett betalningsinstitut eller en registrerad betaltjänstleverantör, får Finansinspektionen genomföra en undersökning hos</P>
</DIV>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">545</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_546" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">546</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr2 td60"><P style="text-align: right;padding-right: 67px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">1. en filial till institutet,</P></TD>
<TD class="tr2 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft3">2. ett ombud till institutet eller</P></TD>
<TD class="tr15 td72"><P class="p27 ft3">2. ett ombud till institutet eller</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">leverantören, <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr16 td72"><P class="p3 ft6">leverantören,</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">3. ett företag som har fått i</P></TD>
<TD class="tr16 td72"><P class="p17 ft6">3. ett företag som har fått i</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft3">uppdrag att utföra visst arbete,</P></TD>
<TD class="tr15 td72"><P class="p17 ft3">uppdrag att utföra visst arbete,</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">eller vissa funktioner åt institutet</P></TD>
<TD class="tr16 td72"><P class="p17 ft6">eller vissa funktioner åt institutet</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">eller leverantören.</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">eller leverantören, <SPAN class="ft4">och</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td72"><P class="p17 ft4">4. en sådan central kontaktpunkt</P></TD>
</TR>
<TR>
<TD class="tr21 td60"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td72"><P class="p3 ft62">som avses i 2 §.</P></TD>
</TR>
</TABLE>
<P class="p463 ft3">En undersökning hos en registrerad betaltjänstleverantör får endast omfatta den verksamhet som avser tillhandahållande av betaltjänster.</P>
<P style="text-align: left;padding-left: 205px;margin-top: 12px;margin-bottom: 0px;" class="ft4">4 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Finansinspektionen får hän- skjuta frågor som rör ett förfaran- de av en annan behörig myndighet inom EES till Europeiska bankmyndigheten för tvistlösning i de fall som framgår av artikel 27 i Europaparlamentets och rådets direktiv 2015/2366. Inspektionen ska avvakta med att meddela be- slut i väntan på Europeiska bank- myndighetens avgörande.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;margin-top: 15px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td73"><P class="p17 ft3">5 §</P></TD>
<TD colspan=4 rowspan=2 style="height: 36px;" class="td143"><P class="p31 ft7">Finansinspektionen</P></TD>
<TD colspan=3 rowspan=2 style="height: 36px;" class="td208"><P class="p27 ft3">ska föra ett</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td95"><P class="p31 ft5">Finansinspektionen</P></TD>
<TD colspan=2 class="tr16 td43"><P class="p21 ft6">ska föra ett</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td104"><P class="p3 ft6">register</P></TD>
<TD colspan=2 class="tr16 td126"><P class="p202 ft6">över</P></TD>
<TD colspan=3 class="tr16 td77"><P class="p21 ft6">betalningsinstitut,</P></TD>
<TD class="tr16 td90"><P class="p3 ft7">register</P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft6">över</P></TD>
<TD colspan=4 class="tr16 td128"><P class="p27 ft6">betalningsinstitut,</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td165"><P class="p3 ft3">registrerade</P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td77"><P class="p21 ft3">betaltjänstleve-</P></TD>
<TD colspan=3 class="tr15 td43"><P class="p3 ft3">registrerade</P></TD>
<TD colspan=4 class="tr15 td128"><P class="p17 ft3">betaltjänstleve-</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">rantörer, deras ombud och filialer.</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft6">rantörer, deras ombud och filialer</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td104"><P class="p3 ft6">Registret</P></TD>
<TD colspan=2 class="tr16 td126"><P class="p134 ft7">ska</P></TD>
<TD colspan=3 class="tr16 td77"><P class="p21 ft6">innehålla uppgifter</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">samt över de aktörer som har</P></TD>
</TR>
<TR>
<TD class="tr15 td34"><P class="p3 ft3">om</P></TD>
<TD colspan=2 class="tr15 td34"><P class="p3 ft3">vilka</P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td79"><P class="p307 ft7">betaltjänster</P></TD>
<TD class="tr15 td73"><P class="p21 ft3">som</P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft4">anmält att de bedriver sådan verk-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td95"><P class="p3 ft6">betalningsinstitut,</P></TD>
<TD colspan=2 class="tr16 td43"><P class="p21 ft5">registrerade</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">samhet som avses i 1 kap. 6 § 5</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft5">betaltjänstleverantörer, deras ombud</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft5"><SPAN class="ft41">och 7 § 8</SPAN>. Registret ska innehålla</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">och filialer har rätt att till-</P></TD>
<TD colspan=2 class="tr15 td104"><P class="p3 ft3">uppgifter</P></TD>
<TD class="tr15 td180"><P class="p71 ft3">om</P></TD>
<TD class="tr15 td34"><P class="p71 ft3">vilka</P></TD>
<TD colspan=3 class="tr15 td208"><P class="p27 ft5">betaltjänster</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td165"><P class="p3 ft6">handahålla.</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p3 ft5">Registret</P></TD>
<TD class="tr16 td135"><P class="p307 ft6">ska</P></TD>
<TD class="tr16 td73"><P class="p21 ft7">hållas</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft7">som betalningsinstitut, registrerade</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td165"><P class="p3 ft6">tillgängligt</P></TD>
<TD colspan=4 class="tr16 td17"><P class="p21 ft6">hos Finansinspek-</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft7">betaltjänstleverantörer, deras ombud</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td104"><P class="p3 ft3">tionen.</P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft3">och</P></TD>
<TD colspan=2 class="tr15 td20"><P class="p1 ft3">filialer</P></TD>
<TD class="tr15 td34"><P class="p25 ft3">har</P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft3">rätt</P></TD>
<TD class="tr15 td105"><P class="p27 ft3">att</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td255"><P class="p3 ft6">tillhandahålla. <SPAN class="ft4">Registret</SPAN></P></TD>
<TD class="tr16 td126"><P class="p72 ft4">ska</P></TD>
<TD class="tr16 td105"><P class="p27 ft41">även</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td104"><P class="p3 ft4">innehålla</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p70 ft4">uppgifter</P></TD>
<TD class="tr16 td11"><P class="p3 ft4">om</P></TD>
<TD colspan=2 class="tr16 td9"><P class="p17 ft4">tillstånd</P></TD>
</TR>
<TR>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft4">som återkallats enligt 11 § samt</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft41">uppgifter om de registrerade betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft4">tjänstleverantörer som inte längre</P></TD>
</TR>
<TR>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft4">uppfyller villkoren för registrering</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft4">enligt</P></TD>
<TD colspan=2 class="tr16 td20"><P class="p3 ft4">2 kap.</P></TD>
<TD colspan=3 class="tr16 td136"><P class="p3 ft6"><SPAN class="ft4">3 §. </SPAN>Registret</P></TD>
<TD class="tr16 td105"><P class="p17 ft6">ska</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p3 ft6">hållas tillgängligt hos Finans-</P></TD>
</TR>
<TR>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td43"><P class="p3 ft3">inspektionen.</P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td143"><P class="p31 ft41">Finansinspektionen</P></TD>
<TD colspan=2 class="tr16 td14"><P class="p36 ft4">ska</P></TD>
<TD class="tr16 td105"><P class="p17 ft4">utan</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td241"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td104"><P class="p3 ft4">dröjsmål</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p71 ft4">underrätta</P></TD>
<TD colspan=3 class="tr16 td208"><P class="p17 ft4">Europeiska</P></TD>
</TR>
<TR>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p3 ft4">bankmyndigheten om den infor-</P></TD>
</TR>
<TR>
<TD class="tr28 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td73"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr28 td72"><P class="p3 ft41">mation som förs in i registret enligt</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_547" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:403px;left:273px;width:188px;height:144px;"><SPAN class="ft64">Finansinspektionen får förelägga ett utländskt företag som tillhandahåller betaltjänster i enlighet med 3 kap. 26 eller 27 § att göra rättelse, om dess verk- samhet med betaltjänster i Sverige inte bedrivs enligt gällande bestämmelser om åtgärder mot penningtvätt och finansiering av terrorism eller i enlighet med</SPAN></DIV>
<DIV style="position:absolute;top:557px;left:273px;width:188px;height:123px;"><SPAN class="ft4">Europaparlamentets och rådets förordning (EU) 2015/847 av den 20 maj 2015 om uppgifter som ska åtfölja överföringar av medel och om upphävande av förordning (EG) nr 1781/2006</SPAN><SPAN style="font: italic 9px 'Times New Roman';line-height: 10px;position: relative; bottom: 5px;">14 </SPAN><SPAN class="ft3">och sådan lag som kompletterar den förordningen.</SPAN></DIV>
<DIV style="position:absolute;top:680px;left:273px;width:188px;height:48px;"><SPAN class="ft50">Om ett utländskt företag som i Sverige tillhandahåller betal- tjänster i enlighet med 3 kap. 26 §</SPAN></DIV>
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td14"><P class="p3 ft2"> </P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr22"><P class="p3 ft4">första stycket samt om skälen till</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft4">att ett</P></TD>
<TD class="tr15 td200"><P class="p3 ft4">tillstånd</P></TD>
<TD colspan=3 class="tr15 td153"><P class="p3 ft4">återkallats</P></TD>
<TD colspan=2 class="tr15 td73"><P class="p42 ft4">enligt</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft21"> </P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">11 § eller till att en registrerad</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td209"><P class="p3 ft4">betaltjänstleverantör</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p74 ft4">inte</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p42 ft41">längre</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft2"> </P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">uppfyller villkoren för registrering</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td14"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td175"><P class="p3 ft4">enligt 2 kap. 3 §.</P></TD>
<TD class="tr28 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr27 td205"><P class="p183 ft3">13 §</P></TD>
<TD class="tr27 td200"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p62 ft6">Om en behörig myndighet i ett</P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">Om en behörig myndighet i ett</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft6">annat</P></TD>
<TD class="tr16 td126"><P class="p3 ft6">land</P></TD>
<TD class="tr16 td158"><P class="p191 ft6">har</P></TD>
<TD colspan=2 class="tr16 td79"><P class="p62 ft7">underrättat</P></TD>
<TD class="tr16 td65"><P class="p3 ft6">annat</P></TD>
<TD class="tr16 td200"><P class="p41 ft6">land</P></TD>
<TD class="tr16 td94"><P class="p3 ft6">har</P></TD>
<TD colspan=4 class="tr16 td35"><P class="p42 ft6">underrättat</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p62 ft5">Finansinspektionen om att ett be-</P></TD>
<TD colspan=3 class="tr15 td209"><P class="p3 ft3">Finansinspektionen</P></TD>
<TD class="tr15 td27"><P class="p134 ft7">om</P></TD>
<TD colspan=2 class="tr15 td162"><P class="p93 ft5">att</P></TD>
<TD class="tr15 td177"><P class="p42 ft3">ett</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p62 ft5">talningsinstitut överträtt föreskrifter</P></TD>
<TD colspan=2 class="tr16 td175"><P class="p3 ft7">betalningsinstitut</P></TD>
<TD colspan=3 class="tr16 td153"><P style="text-align: center;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">överträtt</P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p42 ft6">före-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p62 ft5">i det landet, ska inspektionen vidta</P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">skrifter i det landet, ska inspek-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p62 ft5">de åtgärder som anges i <NOBR>8–11</NOBR> §§</P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4"><SPAN class="ft3">tionen </SPAN>utan onödigt dröjsmål <SPAN class="ft3">vidta</SPAN></P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p62 ft6">mot institutet, om det föreligger</P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">de åtgärder som anges i <NOBR>8–11</NOBR> §§</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft7">någon omständighet som anges där.</P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">mot institutet, om det föreligger</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td57"><P class="p3 ft3">Inspektionen</P></TD>
<TD colspan=2 class="tr15 td87"><P class="p3 ft3">ska underrätta</P></TD>
<TD class="tr15 td14"><P class="p62 ft3">den</P></TD>
<TD class="tr15 td65"><P class="p3 ft3">någon</P></TD>
<TD colspan=2 class="tr15 td79"><P class="p1 ft7">omständighet</P></TD>
<TD colspan=2 class="tr15 td34"><P class="p75 ft3">som</P></TD>
<TD colspan=2 class="tr15 td73"><P class="p42 ft3">anges</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft6">behöriga</P></TD>
<TD colspan=2 class="tr16 td106"><P class="p41 ft6">myndigheten</P></TD>
<TD class="tr16 td164"><P class="p70 ft6">om</P></TD>
<TD class="tr16 td14"><P class="p62 ft6">vilka</P></TD>
<TD colspan=4 class="tr16 td111"><P class="p3 ft4"><SPAN class="ft6">där. </SPAN>Finansinspektionen</P></TD>
<TD colspan=2 class="tr16 td162"><P class="p3 ft4">ska</P></TD>
<TD class="tr16 td177"><P class="p42 ft4">utan</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td168"><P class="p3 ft6">åtgärder som vidtas.</P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft21"> </P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">dröjsmål underrätta den behöriga</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft2"> </P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">myndigheten i det andra landet</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft21"> </P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">samt de behöriga myndigheterna i</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft21"> </P></TD>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">övriga berörda länder inom EES-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 273px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;" class="ft50">området om vilka åtgärder som vidtas<SPAN class="ft76">.</SPAN></P>
<P style="text-align: left;padding-left: 79px;padding-right: 343px;margin-top: 10px;margin-bottom: 0px;text-indent: 174px;" class="ft3">21 § Finansinspektionen får förelägga</P>
<P class="p358 ft5">ett utländskt företag som till- handahåller betaltjänster i enlighet med 3 kap. 26 eller 27 § att göra rättelse, om dess verksamhet med betaltjänster i Sverige inte bedrivs enligt gällande bestämmelser om åtgärder mot penningtvätt och finansiering av terrorism eller i enlighet med <SPAN class="ft41">Europaparlamentets och rådets förordning (EG) nr 1781/2006 av den 15 november 2006 om information om betalaren som skall åtfölja överföringar av medel </SPAN>och sådan lag som kompletterar den förordningen.</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 368px;margin-top: 36px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Finansinspektionen får före- lägga ett utländskt företag som tillhandahåller betaltjänster från</P>
<P style="text-align: left;padding-left: 68px;margin-top: 29px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">14 </SPAN>EUT L 141,5.6.2015, s. 1(Celex 32015R0847).</P>
<P class="p14 ft3">547</P>
</DIV>
<DIV id="page_548" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">548</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td60"><P class="p3 ft4">en filial eller genom ett ombud</P></TD>
<TD colspan=3 class="tr2 td72"><P class="p3 ft4">från en filial eller genom ett om-</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft4">enligt 3 kap. 26 § att göra rättelse</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p3 ft4">bud inte bedriver denna verk-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft4">om dess verksamhet med betal-</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft4">samhet i enlighet med bestämmel-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft4">tjänster i Sverige inte bedrivs i</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft4">serna i denna lag ska Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft4">enlighet med 4 och 5 kap.</P></TD>
<TD class="tr16 td175"><P class="p3 ft4">inspektionen</P></TD>
<TD class="tr16 td58"><P class="p3 ft4">utan</P></TD>
<TD class="tr16 td123"><P class="p3 ft4">dröjsmål</P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft4">underrätta den behöriga myndig- heten i företagets hemland. Finans- inspektionen får förelägga företaget att göra rättelse om dess verk- samhet med betaltjänster i Sverige inte bedrivs i enlighet med 4 och 5 kap.</P>
<P class="p213 ft3">Om ett företag inte följer ett föreläggande enligt första eller andra stycket ska Finansinspektionen underrätta den behöriga myndigheten i företagets hemland.</P>
<P class="p213 ft3">Om rättelse inte sker, får Finansinspektionen förbjuda företaget att påbörja nya betalningstransaktioner här i landet. Innan förbud meddelas ska inspektionen underrätta den behöriga myndigheten i företagets hemland. I brådskande fall får inspektionen meddela förbud utan föregående underrättelse till myndigheten i företagets hemland. Denna ska dock underrättas så snart det kan ske.</P>
<P class="p220 ft3">27 §</P>
<P class="p213 ft3">Regeringen eller den myndighet som regeringen bestämmer får meddela föreskrifter om</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">1. vilka upplysningar ett betal- ningsinstitut, en registrerad betal- tjänstleverantör, den eller de som har ansvar för ett betalningssystem, utländska företag som tillhanda- håller betaltjänster i Sverige från en filial eller genom ett ombud enligt 3 kap. 26 § samt en sådan central kontaktpunkt som avses i 2 § ska lämna till Finansinspek- tionen och till Riksbanken för deras tillsynsverksamheter samt</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 189px;margin-left: 205px;font: italic 13px 'Times New Roman';">
<TR>
<TD colspan=2 class="tr22 td28"><P class="p3 ft4">med vilka intervall</P></TD>
<TD class="tr22 td57"><P class="p27 ft41">informationen</P></TD>
</TR>
<TR>
<TD class="tr16 td122"><P class="p3 ft4">ska lämnas,</P></TD>
<TD class="tr16 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td57"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td122"><P class="p31 ft4">2. sådana</P></TD>
<TD class="tr16 td73"><P class="p74 ft4">avgifter</P></TD>
<TD class="tr16 td57"><P class="p17 ft4">som avses i</P></TD>
</TR>
<TR>
<TD class="tr15 td122"><P class="p3 ft4">7 §</P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td57"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr21 td122"><P class="p31 ft62">3. hur</P></TD>
<TD colspan=2 class="tr21 td169"><P class="p27 ft84">betaltjänstleverantörer</P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;" class="ft4">ska hantera betaltjänstanvändares klagomål i fråga om de rättigheter och skyldigheter som fastställs i betaltjänstlagen,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">4. hur kontrollen av betaltjänst- leverantörers klagomålshantering ska utformas, och</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft56">5. hur betaltjänstleverantörer ska göra informationsmaterial som</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_549" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 573px;">
<DIV style="position:absolute;top:66px;left:68px;z-index:-1;width:123px;height:1px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377549x1.jpg/" style="width:123px;height:1px;">
</DIV>
<TABLE cellpadding=0 cellspacing=0 style="width: 294px;margin-left: 273px;font: italic 13px 'Times New Roman';">
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr22"><P class="p3 ft4">utarbetas av Europeiska kommis-</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">sionen tillgängligt för betaltjänst-</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr28"><P class="p3 ft4">användare som är konsumenter.</P></TD>
<TD class="tr28 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 68px;padding-right: 112px;margin-top: 26px;margin-bottom: 0px;text-indent: 11px;" class="ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">Denna lag träder i kraft den dag regeringen bestämmer i fråga om 5 kap. 13, 18, 22 och 55 § § samt 5 a kap. 7 § och i övrigt den 13 januari 2018.</SPAN></P>
<P class="p968 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">Genom lagen upphävs lagen (2010:738) om obehöriga transaktioner med betalningsinstrument.</SPAN></P>
<P class="p620 ft70"><SPAN class="ft5">3.</SPAN><SPAN style="font: 11px 'Arial';margin-left: 4px;line-height: 15px;">En juridisk person som fått tillstånd att bedriva verksamhet som betalningsinstitut senast den 13 januari 2018 får fortsätta med verksamheten till och med den 13 juli 2018 i enlighet med kraven i lagen (2010:751) om betaltjänster. En sådan juridisk person ska på begäran lämna upplysningar om sin verksamhet till Finansinspektionen för att inspektionen senast den 13 juli 2018 ska kunna bedöma om bestämmelserna i 2 och 3 kap. är uppfyllda. Om Finansinspektionen bedömer att förutsättningarna för tillstånd enligt 2 kap. 6 och 7 §§ är uppfyllda för en sådan juridisk person ska Finansinspektionen meddela tillstånd oavsett om den juridiska personen har ansökt om det. Finansinspektionen ska informera den berörda juridiska personen innan tillstånd meddelas.</SPAN></P>
<P style="text-align: justify;padding-left: 68px;padding-right: 107px;margin-top: 16px;margin-bottom: 0px;text-indent: 11px;" class="ft5"><SPAN class="ft5">4.</SPAN><SPAN class="ft147">En fysisk eller juridisk person som fått tillstånd att bedriva verksamhet som registrerade betaltjänstleverantörer före den 13 januari 2018 får fortsätta med verksamheten till och med den 13 januari 2019 i enlighet med kraven i lagen (2010:751) om betaltjänster. Om Finansinspektionen bedömer att förutsättningarna för att bevilja undantag enligt 2 kap. 3 § är uppfyllda för en sådan fysisk eller juridisk person ska Finansinspektionen meddela tillstånd oavsett om personen har ansökt om det. Finansinspektionen ska informera den berörda fysiska eller juridiska personen innan tillstånd meddelas.</SPAN></P>
<P class="p1004 ft64"><SPAN class="ft5">5.</SPAN><SPAN class="ft96">En juridisk person som har beviljats tillstånd att som betalningsinstitut tillhandahålla betaltjänster som avses i 1 kap. 2 § 6 p lagen (2010:751) om betaltjänster får behålla detta tillstånd för att tillhandahålla sådana betaltjänster som avses i 1 kap. 2 § 2 p med undantag för genomförande av betalningstransaktioner eller överföring av medel som täcks av ett kreditutrymme. För att en sådan juridisk person ska få behålla sitt tillstånd ska Finansinspektionen senast den 13 januari 2020 ha fått information som visar att kraven i 3 kap. </SPAN><NOBR>1–3</NOBR> §§ är uppfyllda.</P>
<P style="text-align: right;margin-top: 178px;margin-bottom: 0px;" class="ft3">549</P>
</DIV>
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<DIV style="position:absolute;top:422px;left:162px;z-index:-1;width:124px;height:1px;font-size: 1px;line-height:nHeight;">
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</DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">550</P>
</DIV>
<DIV style="float:left;border:none;margin: 3px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: left;padding-right: 118px;margin-top: 0px;margin-bottom: 0px;" class="ft37">Förslag till lag om ändring i lagen (2006:595) om europakooperativ</P>
<P class="p215 ft3">Härigenom föreskrivs att 31 § lagen (2006:595) om europakooperativ ska ha följande lydelse.</P>
<P class="p279 ft4">Nuvarande lydelse Föreslagen lydelse</P>
<P style="text-align: left;padding-left: 183px;margin-top: 13px;margin-bottom: 0px;" class="ft3">31 §<SPAN class="ft43">1</SPAN></P>
<P class="p463 ft70">Ett europakooperativ ska upprätta årsredovisning och, i förekommande fall, koncernredovisning i enlighet med de bestämmelser i årsredovisningslagen (1995:1554) som är tillämpliga på ekonomiska föreningar. När det gäller europakooperativ som driver försäkringsrörelse tillämpas i stället de bestämmelser i lagen (1995:1560) om årsredovisning i försäkringsföretag som är tillämpliga på försäkringsföreningar.</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=4 class="tr2 td60"><P class="p21 ft3">När det gäller europakooperativ</P></TD>
<TD class="tr2 td142"><P class="p31 ft3">När</P></TD>
<TD colspan=2 class="tr2 td172"><P class="p17 ft5">det gäller europakooperativ</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft6">som ger ut elektroniska pengar,</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft6">som ger ut elektroniska pengar,</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft3">driver</P></TD>
<TD colspan=2 class="tr15 td176"><P class="p3 ft7">finansieringsrörelse</P></TD>
<TD class="tr15 td73"><P class="p21 ft3">eller</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p3 ft7">driver finansieringsrörelse tillämpas</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td143"><P class="p3 ft6">tillhandahåller</P></TD>
<TD colspan=2 class="tr16 td205"><P class="p21 ft5">betaltjänster</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft5">12 kap. 28 § lagen (2004:297) om</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td143"><P class="p3 ft6">tillämpas 12 kap.</P></TD>
<TD class="tr16 td142"><P class="p1 ft6">28 §</P></TD>
<TD class="tr16 td73"><P class="p21 ft6">lagen</P></TD>
<TD class="tr16 td142"><P class="p3 ft6">bank-</P></TD>
<TD class="tr16 td66"><P class="p130 ft6">och</P></TD>
<TD class="tr16 td85"><P class="p17 ft6">finansieringsrörelse</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p21 ft3">(2004:297) om bank- och finan-</P></TD>
<TD colspan=2 class="tr15 td53"><P class="p3 ft3">respektive</P></TD>
<TD class="tr15 td85"><P class="p17 ft3">3 kap. 10 § lagen</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td276"><P class="p3 ft6">sieringsrörelse, <SPAN class="ft4">3 kap. 9 §</SPAN></P></TD>
<TD class="tr16 td73"><P class="p21 ft41">andra</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft7">(2011:755) om elektroniska pengar</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft41">stycket lagen (2010:751) om betal-</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft6">i stället för första stycket.</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft4">tjänster</P></TD>
<TD class="tr16 td208"><P class="p72 ft6">respektive</P></TD>
<TD class="tr16 td142"><P class="p1 ft6">3 kap.</P></TD>
<TD class="tr16 td73"><P class="p21 ft6">10 §</P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td85"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td143"><P class="p3 ft3">lagen (2011:755) om</P></TD>
<TD colspan=2 class="tr15 td205"><P class="p21 ft3">elektroniska</P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td85"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td60"><P class="p3 ft3">pengar i stället för första stycket.</P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td85"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p464 ft3">Denna lag träder i kraft den 13 januari 2018.</P>
<P style="text-align: left;margin-top: 306px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">1 </SPAN>Senaste lydelse 2011:771.</P>
</DIV>
</DIV>
</DIV>
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<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 393px;overflow: hidden;">
<P class="p557 ft37">Förslag till lag om ändring i lagen (2009:62) om åtgärder mot penningtvätt och terrorism</P>
<P style="text-align: left;margin-top: 7px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Härigenom föreskrivs att 1 kap. 2 § lagen (2009:62) om åtgärder mot penningtvätt och terrorism ska ha följande lydelse.</P>
<TABLE cellpadding=0 cellspacing=0 class="t50">
<TR>
<TD class="tr24 td60"><P class="p3 ft4">Nuvarande lydelse</P></TD>
<TD class="tr24 td167"><P class="p3 ft41">Föreslagen lydelse</P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 13px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 11px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P style="text-align: left;padding-left: 247px;margin-top: 0px;margin-bottom: 0px;" class="ft42">1 kap.</P>
<P class="p61 ft3">2 §<SPAN class="ft43">1</SPAN></P>
<P class="p13 ft3">Denna lag gäller för fysiska och juridiska personer som driver</P>
<P class="p12 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">bank- eller finansieringsrörelse enligt lagen (2004:297) om bank- och finansieringsrörelse,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">livförsäkringsrörelse,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft33">verksamhet av det slag som beskrivs i 2 kap. 1 § lagen (2007:528) om värdepappersmarknaden,</SPAN></P>
<P class="p57 ft70"><SPAN class="ft5">4.</SPAN><SPAN style="font: 11px 'Arial';margin-left: 4px;line-height: 15px;">verksamhet som kräver anmälan till eller ansökan hos Finans- inspektionen enligt lagen (1996:1006) om anmälningsplikt avseende viss finansiell verksamhet eller lagen (2004:299) om inlåningsverksamhet,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft33">försäkringsförmedling enligt lagen (2005:405) om försäkrings- förmedling, i fråga om sådan verksamhet rörande livförsäkring, bedriven av andra än anknutna försäkringsförmedlare,</SPAN></P>
<P class="p12 ft3"><SPAN class="ft5">6.</SPAN><SPAN class="ft48">verksamhet för utgivning av elektroniska pengar enligt lagen (2011:755) om elektroniska pengar,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft5">7.</SPAN><SPAN class="ft32">fondverksamhet enligt lagen (2004:46) om värdepappersfonder,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">8.</SPAN><SPAN class="ft51">verksamhet som fastighetsmäklare med fullständig registrering enligt fastighetsmäklarlagen (2011:666),</SPAN></P>
<P class="p395 ft3"><SPAN class="ft5">9.</SPAN><SPAN class="ft48">verksamhet för kasinospel enligt kasinolagen (1999:355),</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">10.</SPAN><SPAN class="ft33">verksamhet som godkänd eller auktoriserad revisor eller registrerat revisionsbolag,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">11.</SPAN><SPAN class="ft33">yrkesmässig verksamhet som avser bokföringstjänster eller revisionstjänster men som inte omfattas av 10,</SPAN></P>
<P class="p12 ft3"><SPAN class="ft5">12.</SPAN><SPAN class="ft32">yrkesmässig verksamhet som består i att lämna råd i avsikt att påverka storleken på en skatt eller avgift (skatterådgivare),</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">13.</SPAN><SPAN class="ft33">yrkesmässig verksamhet som advokat eller biträdande jurist på advokatbyrå, till den del verksamheten avser tjänster som anges i 3 § första stycket,</SPAN></P>
<P class="p57 ft70"><SPAN class="ft5">14.</SPAN><SPAN class="ft91">yrkesmässig verksamhet som annan oberoende jurist än som avses i 13, till den del verksamheten avser tjänster som anges i 3 § första stycket,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft7">15.</SPAN><SPAN class="ft33">yrkesmässig verksamhet till den del verksamheten avser tjänster som anges i 3 § andra stycket och verksamhetsutövaren inte är en sådan person som avses i </SPAN><NOBR>10–14,</NOBR></P>
<P class="p12 ft3"><SPAN class="ft5">16.</SPAN><SPAN class="ft32">yrkesmässig handel med varor, till den del verksamheten avser försäljning mot kontant betalning som uppgår minst till ett belopp som motsvarar 15 000 euro,</SPAN></P>
<P class="p12 ft3"><SPAN class="ft7">17.</SPAN><SPAN class="ft32">verksamhet med att som betalningsinstitut tillhandahålla betaltjänster enligt lagen (2010:751) om betaltjänster,</SPAN></P>
<P style="text-align: left;padding-left: 68px;margin-top: 25px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">1 </SPAN>Senaste lydelse 2014:278.</P>
<P class="p14 ft3">551</P>
</DIV>
</DIV>
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</DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">552</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft3">18. verksamhet med att till- handahålla betaltjänster enligt lagen om betaltjänster utan att vara betalningsinstitut,</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 16px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft4"><SPAN class="ft3">18. verksamhet med att till- handahålla betaltjänster enligt lagen om betaltjänster utan att vara betalningsinstitut, </SPAN>med undantag för verksamhet med att tillhandahålla endast kontoinfor- mationstjänster<SPAN class="ft3">,</SPAN></P>
</DIV>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p462 ft6"><SPAN class="ft7">19.</SPAN><SPAN class="ft33">förvaltning av alternativa investeringsfonder enligt lagen (2013:561) om förvaltare av alternativa investeringsfonder, eller</SPAN></P>
<P class="p462 ft3"><SPAN class="ft7">20.</SPAN><SPAN class="ft32">verksamhet med konsumentkrediter enligt lagen (2014:275) om viss verksamhet med konsumentkrediter.</SPAN></P>
<P style="text-align: left;padding-left: 12px;margin-top: 30px;margin-bottom: 0px;" class="ft3">Denna lag träder i kraft den 13 januari 2018.</P>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_553" style="position:relative; overflow: hidden;margin: 49px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:345px;left:273px;width:188px;height:64px;"><SPAN class="ft64">1. ombudets namn, adress, samt </SPAN><SPAN class="ft63">ombudets unika identifikationskod eller identifikationsnummer om sådana uppgifter finns,</SPAN></DIV>
<DIV style="position:absolute;top:405px;left:273px;width:188px;height:90px;"><SPAN class="ft6">2. om ombudet är en juridisk person, namn, personnummer eller motsvarande samt adress för </SPAN><SPAN class="ft4">var och en som </SPAN><SPAN class="ft6">ingår i ombudets styrelse eller är </SPAN><SPAN class="ft4">dess </SPAN><SPAN class="ft6">verkställande direktör,</SPAN></DIV>
<DIV style="position:absolute;top:498px;left:273px;width:188px;height:80px;"><SPAN class="ft64">3. uppgifter som visar att de personer som avses i 2 är lämpliga för en sådan uppgift eller, om ombudet är en fysisk person, att han eller hon är lämplig att till- handahålla betaltjänster,</SPAN></DIV>
<DIV style="position:absolute;top:590px;left:273px;width:188px;height:80px;"><SPAN class="ft40">4. ombudets interna regler för hur ombudet ska leva upp till de krav som anges i lagen (2009:62) om åtgärder mot penningtvätt och finansiering av terrorism, och</SPAN></DIV>
<DIV style="position:absolute;top:667px;left:273px;width:188px;height:48px;"><SPAN class="ft50">5. uppgift om vilka betaltjänster som ombudet har mandat att tillhandahålla.</SPAN></DIV>
<DIV style="position:absolute;top:713px;left:273px;width:188px;height:64px;"><SPAN class="ft64">Om anmälan uppfyller kraven i andra stycket ska Finansinspek- tionen registrera ombudet i det register som inspektionen för med</SPAN></DIV>
<DIV style="position:absolute;top:222px;left:273px;width:188px;height:95px;"><SPAN class="ft3">Om ett institut för elektroniska pengar eller en registrerad utgivare vill tillhandahålla betaltjänster genom ombud, </SPAN><SPAN class="ft4">ska ombudet anmälas för registrering hos Finansinspektionen</SPAN><SPAN class="ft3">.</SPAN></DIV>
<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 393px;overflow: hidden;">
<P style="text-align: left;padding-right: 49px;margin-top: 0px;margin-bottom: 0px;" class="ft37">Förslag till lag om ändring i lagen (2011:755) om elektroniska pengar</P>
<P style="text-align: left;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Härigenom föreskrivs i fråga om lagen (2011:755) om elektroniska pengar</P>
<P class="p144 ft3"><SPAN class="ft4">dels </SPAN>att 3 kap. <NOBR>18–21,</NOBR> 25 och 27 §§ samt 5 kap. 1, 2, 5, 13 och 27 §§ ska ha följande lydelse,</P>
<P class="p144 ft3"><SPAN class="ft4">dels </SPAN>att det i lagen ska införas två nya paragrafer, 3 kap. 28 a § och 5 kap. 4 a §, av följande lydelse.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 13px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 12px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 306px;margin-left: 68px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td60"><P class="p3 ft4">Nuvarande lydelse</P></TD>
<TD class="tr2 td167"><P class="p3 ft41">Föreslagen lydelse</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 247px;margin-top: 10px;margin-bottom: 0px;" class="ft42">3 kap.</P>
<P style="text-align: left;padding-left: 79px;padding-right: 348px;margin-top: 0px;margin-bottom: 0px;text-indent: 174px;" class="ft3">18 § Om ett institut för elektroniska</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 368px;margin-top: 0px;margin-bottom: 0px;" class="ft6">pengar eller en registrerad utgivare vill tillhandahålla betaltjänster genom ombud, <SPAN class="ft4">ska institutet eller utgivaren anmäla ombudet för registrering hos Finans- inspektionen</SPAN>.</P>
<P class="p13 ft3">Anmälan ska innehålla</P>
<P class="p1073 ft3">1. ombudets namn och adress,</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 363px;margin-top: 45px;margin-bottom: 0px;text-indent: 11px;" class="ft40">2. om ombudet är en juridisk person, namn, personnummer eller motsvarande samt adress för <SPAN class="ft39">dem som </SPAN>ingår i ombudets styrelse eller är verkställande direktör,</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 363px;margin-top: 10px;margin-bottom: 0px;text-indent: 11px;" class="ft5">3. uppgifter som visar att de personer som avses i 2 är lämpliga för en sådan uppgift eller, om ombudet är en fysisk person, att han eller hon är lämplig att till- handahålla betaltjänster, <SPAN class="ft41">och</SPAN></P>
<P style="text-align: justify;padding-left: 68px;padding-right: 363px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft3">4. ombudets interna regler för hur ombudet ska leva upp till de krav som anges i lagen (2009:62) om åtgärder mot penningtvätt och finansiering av terrorism.</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 363px;margin-top: 41px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Om anmälan uppfyller kraven i andra stycket ska Finansinspek- tionen registrera ombudet i det</P>
<P class="p54 ft141">register som inspektionen för med</P>
<P class="p160 ft3">553</P>
</DIV>
</DIV>
<DIV id="page_554" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:326px;left:367px;width:189px;height:80px;"><SPAN class="ft3">1. en plan för den avsedda verksamheten med uppgift om ombudets organisation och de tjänster som ombudet avser att tillhandahålla,</SPAN></DIV>
<DIV style="position:absolute;top:402px;left:367px;width:189px;height:48px;"><SPAN class="ft3">2. uppgifter om ombudets namn och adress samt dess ansvariga ledning,</SPAN></DIV>
<DIV style="position:absolute;top:449px;left:367px;width:189px;height:48px;"><SPAN class="ft50">3. de övriga uppgifter som fram- går av i 18 § andra stycket </SPAN><NOBR><SPAN class="ft50">1–5,</SPAN></NOBR><SPAN class="ft50"> och</SPAN></DIV>
<DIV style="position:absolute;top:495px;left:367px;width:189px;height:48px;"><SPAN class="ft50">4. uppgift om den dag då verk- samheten via ombudet ska på- börjas i det andra landet.</SPAN></DIV>
<DIV style="position:absolute;top:540px;left:367px;width:189px;height:240px;"><SPAN class="ft5">Innan Finansinspektionen be- slutar att registrera ombudet enligt 5 kap. 5 §, ska inspektionen underrätta den behöriga myndig- heten i det andra landet. Under- rättelsen ska innehålla </SPAN><SPAN class="ft41">de uppgifter som avses i </SPAN><SPAN class="ft5">andra stycket. Finans- inspektionen </SPAN><SPAN class="ft41">ska </SPAN><SPAN class="ft5">vägra att regi- strera ombud eller återkalla en utförd registrering, om </SPAN><SPAN class="ft41">inspek- tionen </SPAN><SPAN class="ft5">har skälig anledning att anta att penningtvätt eller finansiering av terrorism äger rum eller har ägt rum eller </SPAN><SPAN class="ft41">försök att genomföra sådana brott har förekommit </SPAN><SPAN class="ft5">i anknytning till ombudet, eller om</SPAN></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">554</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p53 ft3">stöd av 5 kap. 5 §. Institut för elektroniska pengar och registre- rade utgivare ska försäkra sig om att ombud som agerar för deras räkning informerar betal- tjänstanvändarna om detta för- hållande.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 16px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p53 ft4"><SPAN class="ft3">stöd av 5 kap. 5 §. </SPAN>Finans- inspektionen ska inom två måna- der från det att anmälan togs emot meddela institutet för elektroniska pengar eller den registrerade ut- givaren om sådan registrering har gjorts. När registrering har gjorts får ombudet tillhandahålla betal- tjänster<SPAN class="ft3">. Institut för elektroniska pengar och registrerade utgivare ska försäkra sig om att ombud som agerar för deras räkning informerar betaltjänstanvändarna om detta förhållande.</SPAN></P>
</DIV>
</DIV>
<DIV style="border:none;margin: 11px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p419 ft3">19 §</P>
<P class="p213 ft6">Om ett institut för elektroniska pengar vill distribuera elektroniska pengar, lösa in elektroniska pengar eller tillhandahålla betaltjänster genom ombud i ett annat land inom EES, ska institutet underrätta Finansinspektionen om detta.</P>
<P class="p606 ft3">Underrättelsen ska innehålla</P>
<P style="text-align: justify;padding-right: 273px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft6">1. en plan för den avsedda verksamheten med uppgift om ombudets organisation och de tjänster som ombudet avser att tillhandahålla, <SPAN class="ft4">och</SPAN></P>
<P style="text-align: justify;padding-right: 273px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft3">2. uppgifter om ombudets namn och adress samt dess ansvariga ledning.</P>
<P style="text-align: justify;padding-right: 268px;margin-top: 90px;margin-bottom: 0px;text-indent: 11px;" class="ft5">Innan Finansinspektionen be- slutar att registrera ombudet enligt 5 kap. 5 §, ska inspektionen underrätta den behöriga myndig- heten i det andra landet. Under- rättelsen ska innehålla <SPAN class="ft41">uppgifterna </SPAN>enligt andra stycket. Finans- inspektionen <SPAN class="ft41">får </SPAN>vägra att regi- strera ombud eller återkalla en utförd registrering, om <SPAN class="ft41">den be- höriga myndigheten i det andra landet </SPAN>har skälig anledning att anta att penningtvätt eller finansiering av terrorism äger rum eller har ägt rum eller <SPAN class="ft41">har försökt genomföras </SPAN>i anknytning till ombudet, eller om</P>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_555" style="position:relative; overflow: hidden;margin: 48px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV style="position:absolute;top:586px;left:205px;width:188px;height:80px;"><SPAN class="ft3">1. en plan för den avsedda verksamheten med uppgift om filialens organisation och de tjänster som den avser att till- handahålla</SPAN><SPAN class="ft4">,</SPAN></DIV>
<DIV style="position:absolute;top:663px;left:205px;width:188px;height:80px;"><SPAN class="ft40">2. uppgifter om i vilket land filialen ska inrättas samt om filialens adress och ansvariga ledning, </SPAN><SPAN class="ft39">och 3. uppgift om den dag då verk- samheten via filial ska påbörjas i</SPAN></DIV>
<DIV style="position:absolute;top:740px;left:205px;width:96px;height:15px;"><SPAN class="ft4">det andra landet.</SPAN></DIV>
<DIV style="position:absolute;top:755px;left:205px;width:188px;height:32px;"><SPAN class="ft3">Innan Finansinspektionen be- slutar att registrera filialen enligt</SPAN></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD class="tr2 td60"><P class="p3 ft3">anlitandet av ombudet kan öka</P></TD>
<TD colspan=2 class="tr2 td9"><P class="p3 ft7">anlitandet</P></TD>
<TD class="tr2 td94"><P class="p157 ft3">av</P></TD>
<TD colspan=2 class="tr2 td210"><P class="p41 ft3">ombudet kan</P></TD>
<TD class="tr2 td162"><P class="p17 ft3">öka</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">risken för penningtvätt eller</P></TD>
<TD class="tr15 td81"><P class="p3 ft3">risken</P></TD>
<TD colspan=2 class="tr15 td34"><P class="p308 ft3">för</P></TD>
<TD colspan=2 class="tr15 td210"><P class="p74 ft3">penningtvätt</P></TD>
<TD class="tr15 td162"><P class="p17 ft7">eller</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">finansiering av terrorism.</P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft6">finansiering av terrorism. <SPAN class="ft4">Finans-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">inspektionen ska vid denna be-</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td9"><P class="p3 ft4">dömning</P></TD>
<TD colspan=2 class="tr15 td53"><P class="p1 ft4">beakta den</P></TD>
<TD colspan=2 class="tr15 td103"><P class="p17 ft4">information</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">som inspektionen har tagit emot</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">från den behöriga myndigheten i</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td169"><P class="p3 ft4">det andra landet.</P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft4">Om Finansinspektionen vägrar att</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">registrera ett ombud enligt tredje</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft4">stycket</P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p70 ft41">och</P></TD>
<TD class="tr15 td123"><P class="p1137 ft4">den</P></TD>
<TD colspan=2 class="tr15 td103"><P class="p17 ft4">behöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">myndigheten i det andra landet</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">inte har samma uppfattning i</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td61"><P class="p3 ft4">frågan om det finns risk för pen-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">ningtvätt eller finansiering av ter-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">rorism på grund av att ombudet</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft41">anlitats</P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft4">ska</P></TD>
<TD colspan=3 class="tr15 td146"><P class="p17 ft4">Finansinspektionen</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">underrätta den behöriga myndig-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">heten i det andra landet om be-</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td61"><P class="p3 ft4">slutet att vägra registrera om-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft4">budet.</P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft4">Finansinspektionen ska inom tre</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td61"><P class="p3 ft4">månader efter att ha tagit emot en</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td31"><P class="p3 ft4">underrättelse</P></TD>
<TD colspan=3 class="tr16 td146"><P class="p17 ft4">enligt andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">fatta beslut om registrering och</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td61"><P class="p3 ft4">underrätta den behöriga myndig-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p3 ft4">heten i det andra landet och</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td9"><P class="p3 ft4">institutet</P></TD>
<TD class="tr16 td94"><P class="p1 ft4">för</P></TD>
<TD colspan=3 class="tr16 td146"><P class="p17 ft4">elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td61"><P class="p3 ft4">om beslutet. Ombudet får inte</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td31"><P class="p3 ft41">tillhandahålla</P></TD>
<TD colspan=2 class="tr16 td210"><P class="p41 ft4">betaltjänster i</P></TD>
<TD class="tr16 td162"><P class="p17 ft4">det</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft4">andra</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p157 ft41">landet</P></TD>
<TD class="tr16 td123"><P class="p41 ft4">innan</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p17 ft41">registrering</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td31"><P class="p3 ft4">har ägt rum.</P></TD>
<TD class="tr20 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p220 ft3">20 §</P>
<P class="p611 ft40">Ett institut för elektroniska pengar som avser att ge ut elektroniska pengar eller tillhandahålla betaltjänster genom en filial i ett annat land inom EES ska underrätta Finansinspektionen innan verksamheten påbörjas. Underrättelsen ska innehålla</P>
<P style="text-align: justify;padding-right: 218px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft6">1. en plan för den avsedda verksamheten med uppgift om filialens organisation och de tjänst- er som den avser att tillhandahålla, <SPAN class="ft4">och</SPAN></P>
<P style="text-align: justify;padding-right: 213px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft124">2. uppgifter om i vilket land filialen ska inrättas samt om filialens adress och ansvariga ledning.</P>
<P style="text-align: justify;padding-right: 218px;margin-top: 41px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Innan Finansinspektionen be- slutar att registrera filialen enligt</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">555</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_556" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">556</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 190px;overflow: hidden;">
<P class="p53 ft5">5 kap. 5 §, ska inspektionen underrätta den behöriga myndig- heten i det andra landet. Under- rättelsen ska innehålla <SPAN class="ft41">uppgifterna enligt </SPAN>första stycket. Finans- inspektionen <SPAN class="ft41">får </SPAN>vägra att regi- strera en filial eller återkalla en utförd registrering, <SPAN class="ft41">om den behö- riga myndigheten </SPAN>i det andra lan- det har skälig anledning att anta att penningtvätt eller finansiering av terrorism äger rum eller har ägt rum eller <SPAN class="ft41">har försökt genomföras </SPAN>i anknytning till filialen, eller om anlitandet av filialen kan öka risken för penningtvätt eller finansiering av terrorism.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 15px;padding: 0px;border:none;width: 194px;overflow: hidden;">
<P class="p53 ft5">5 kap. 5 §, ska inspektionen underrätta den behöriga myndig- heten i det andra landet. Under- rättelsen ska innehålla <SPAN class="ft41">de uppgifter som avses i </SPAN>första stycket. Finans- inspektionen <SPAN class="ft41">ska </SPAN>vägra att regi- strera en filial eller återkalla en utförd registrering, om <SPAN class="ft41">in- spektionen </SPAN>har skälig anledning att anta att penningtvätt eller finansiering av terrorism äger rum eller har ägt rum eller <SPAN class="ft41">försök att genomföra sådana brott har före- kommit </SPAN>i anknytning till filialen, eller om anlitandet av filialen kan öka risken för penningtvätt eller finansiering av terrorism.</P>
<P style="text-align: justify;padding-right: 5px;margin-top: 6px;margin-bottom: 0px;" class="ft4">Finansinspektionen ska vid denna bedömning beakta den information som inspektionen tagit emot från den behöriga myndigheten i det andra landet.</P>
<P class="p145 ft41">Om Finansinspektionen vägrar att registrera en filial enligt andra stycket och den behöriga myndigheten i det andra landet inte har samma uppfattning i frågan om det finns risk för pen- ningtvätt eller finansiering av ter- rorism på grund av att filialen anlitats ska Finansinspektionen underrätta den behöriga myndig- heten i det andra landet om beslutet att vägra registrera filialen.</P>
<P style="text-align: justify;padding-right: 5px;margin-top: 22px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Finansinspektionen ska inom tre månader efter att ha tagit emot en underrättelse enligt första stycket fatta beslut om registrering och underrätta den behöriga myndig- heten i det andra landet och insti- tutet för elektroniska pengar om beslutet. Filialen får inte till- handahålla betaltjänster i det andra landet innan registrering har ägt rum.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 17px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p419 ft3">21 §</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 12px 'Arial';">
<TR>
<TD class="tr20 td60"><P class="p21 ft3">Finansinspektionen ska lämna</P></TD>
<TD colspan=2 class="tr20 td64"><P class="p31 ft3">Finansinspektionen</P></TD>
<TD class="tr20 td55"><P class="p17 ft3">ska lämna</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">över en underrättelse enligt 20 §</P></TD>
<TD class="tr16 td92"><P class="p3 ft6">över</P></TD>
<TD class="tr16 td110"><P class="p71 ft5">en underrättelse</P></TD>
<TD class="tr16 td55"><P class="p17 ft4">enligt 19</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft5">till den behöriga myndigheten i det</P></TD>
<TD class="tr15 td92"><P class="p3 ft4">eller</P></TD>
<TD colspan=2 class="tr15 td117"><P class="p27 ft5">20 §§ till den behöriga myn-</P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p21 ft5">land där filialen ska inrättas inom</P></TD>
<TD colspan=3 class="tr28 td72"><P class="p17 ft5">digheten i det land där filialen ska</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_557" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:312px;left:273px;width:188px;height:375px;"><SPAN class="ft41">Efter att ha tagit emot en under- rättelse från en myndighet i ett annat </SPAN><NOBR><SPAN class="ft41">EES-land</SPAN></NOBR><SPAN class="ft41"> om att ett utländskt företag avser att ge ut elektroniska pengar eller till- handahålla betaltjänster i Sverige genom ett ombud, en filial eller ett uppdragsavtal, ska Finans- inspektionen inom en månad lämna en underrättelse till den be- höriga myndigheten i det andra landet med uppgifter om det ut- ländska företagets etablering här i landet. Om betaltjänster eller elektroniska pengar ska tillhanda- hållas genom ett ombud eller en filial ska underrättelsen även inne- hålla uppgift om Finansinspek- tionen har skälig anledning att anta att penningtvätt eller finan- siering av terrorism äger rum eller har ägt rum eller försök att genom- föra sådana brott har förekommit i anknytning till filialen eller ombudet, eller om anlitandet av filialen eller ombudet kan öka risken för penningtvätt eller finan- siering av terrorism.</SPAN></DIV>
<DIV style="position:absolute;top:741px;left:273px;width:188px;height:48px;"><SPAN class="ft39">Det utländska företaget får inte tillhandahålla sina tjänster genom ombud eller filial i Sverige innan</SPAN></DIV>
<DIV style="position:absolute;top:157px;left:273px;width:188px;height:120px;"><SPAN class="ft6">Om ändringen rör verksamhet som ett institut för elektroniska pengar bedriver i ett annat land, ska Finansinspektionen </SPAN><SPAN class="ft4">inom en månad från det att underrättelsen togs emot </SPAN><SPAN class="ft6">underrätta den behöriga myndigheten i det andra landet om ändringen.</SPAN></DIV>
<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 499px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 5px 0px 0px 0px;padding: 0px;border:none;width: 188px;overflow: hidden;">
<P class="p53 ft3">en månad från det att underrättelsen från institutet för elektroniska pengar togs emot.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 17px;padding: 0px;border:none;width: 294px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 294px;font: 13px 'Arial';">
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr22"><P class="p3 ft4"><SPAN class="ft3">inrättas </SPAN>eller där ombudet ska</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft3"><SPAN class="ft4">verka </SPAN>inom en månad från det att</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 3</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">underrättelsen från institutet för</P></TD>
<TD class="tr16 td175"><P class="p3 ft66"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr20"><P class="p3 ft3">elektroniska pengar togs emot.</P></TD>
<TD class="tr20 td175"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV style="border:none;margin: 9px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P style="text-align: left;padding-left: 253px;margin-top: 0px;margin-bottom: 0px;" class="ft3">25 §</P>
<P class="p12 ft3">Om ett institut för elektroniska pengar eller en registrerad utgivare avser att ändra den verksamhet som avses i 18, 19, 20, 22 eller 24 § ska institutet eller utgivaren underrätta Finansinspektionen innan ändringen genomförs.</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 363px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft40">Om ändringen rör verksamhet som ett institut för elektroniska pengar bedriver i ett annat land, ska Finansinspektionen underrätta den behöriga myndigheten i det andra landet om ändringen.</P>
<P style="text-align: left;padding-left: 253px;margin-top: 39px;margin-bottom: 0px;" class="ft3">27 §</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 368px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Ett utländskt företag som avses i 26 § första stycket får ge ut elektroniska pengar eller tillhanda- hålla betaltjänster i Sverige från sitt hemland så snart Finansinspek- tionen har tagit emot en underrät- telse från behörig myndighet i före- tagets hemland som anger vilka tjänster institutet för elektroniska pengar avser att tillhandahålla i Sverige.</P>
<P style="text-align: right;padding-right: 51px;margin-top: 295px;margin-bottom: 0px;" class="ft3">557</P>
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<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">558</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;" class="ft50">Finansinspektionen tagit emot ett beslut från den behöriga myndigheten i det andra landet om att ombudet eller filialen har registrerats av den myndigheten.</P>
<P class="p231 ft4">28 § a</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om ett institut för elektroniska pengar eller en registrerad utgiva- re avser att ändra den uppdrags- verksamhet som avses i 28 § ska institutet eller utgivaren underrätta Finansinspektionen innan ändringen genomförs.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om ändringen rör ett instituts för elektroniska pengar verksam- het i ett annat land inom EES, ska Finansinspektionen inom en månad från det att underrättelsen togs emot underrätta den behöriga myndigheten i det andra landet om ändringen.</P>
<P style="text-align: justify;padding-left: 180px;margin-top: 15px;margin-bottom: 0px;" class="ft42"><SPAN class="ft115">5</SPAN><SPAN style="font: bold 13px 'Arial';margin-left: 4px;line-height: 16px;">kap.</SPAN></P>
<P style="text-align: justify;padding-left: 189px;margin-top: 0px;margin-bottom: 0px;" class="ft3">1 §</P>
<P class="p213 ft6">Finansinspektionen utövar tillsyn över att denna lag och föreskrifter som har meddelats i anslutning till lagen följs. För institut för elektroniska pengar och registrerade utgivare omfattar tillsynen även att deras verksamhet med utgivning av elektroniska pengar drivs i enlighet med andra författningar som reglerar dess verksamhet, bolagsordning, stadgar samt interna instruktioner som har sin grund i en författning som reglerar dess verksamhet. I fråga om tillsynen över övriga utgivare av elektroniska pengar som avses i 2 kap. 2 § ska i stället bestämmelserna om tillsyn i de lagar som reglerar deras verksamhet tillämpas, om inte annat följer av denna lag.</P>
<P class="p689 ft5">Om ett företag som fått tillstånd att ge ut elektroniska pengar från en filial i Sverige enligt 3 kap. 28 § inte följer bestämmelserna i denna lag, andra författningar som reglerar företagets verksamhet, företagets bolagsordning, stadgar, reglemente eller interna instruktioner som har sin grund i en författning som reglerar företagets verksamhet, får Finansinspektionen återkalla tillståndet eller, om det är tillräckligt, meddela varning. Detsamma gäller om företaget på annat sätt visat sig olämpligt att ge ut elektroniska pengar.</P>
<P class="p615 ft3">Om ett filialtillstånd återkallas med stöd av andra stycket ska 12 § tillämpas. Finansinspektionen ska underrätta den behöriga myndigheten i det land där företaget har sitt säte om åtgärder som har vidtagits med stöd av denna paragraf.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft39">Utöver Finansinspektionen är Riksbanken behörig myndighet i fråga om rätten enligt 2 § utländska företag som ger ut elektroniska</P>
</DIV>
</DIV>
</DIV>
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<DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 188px;padding: 0px;border:none;width: 218px;overflow: hidden;">
<P style="text-align: justify;padding-left: 17px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;" class="ft50">pengar eller tillhandahåller betal- tjänster genom filial i Sverige, eller tillhandahåller betaltjänster, distribuerar elektroniska pengar eller löser in elektroniska pengar genom ombud enligt 3 kap. 26 §.</P>
<P class="p263 ft3">2 §</P>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft40">Ett institut för elektroniska pengar och en registrerad utgivare ska lämna Finansinspektionen de upplysningar om sin verksamhet som inspektionen begär.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 16px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p611 ft5">Ett institut för elektroniska pengar, en registrerad utgivare samt <SPAN class="ft41">utländska företag som ger ut elektroniska pengar eller till- handahåller betaltjänster genom filial i Sverige, eller tillhanda- håller betaltjänster, distribuerar elektroniska pengar eller löser in elektroniska pengar genom ombud enligt 3 kap. 26 § </SPAN>ska lämna Finansinspektionen de upplys- ningar om sin verksamhet som inspektionen begär.</P>
<P class="p746 ft4">Finansinspektionen ska ange i vilket syfte inspektionen begär upp- lysningar enligt första stycket, om det är lämpligt med hänsyn till omständigheterna i det enskilda fallet.</P>
<P class="p519 ft41">Utländska företag som ger ut elektroniska pengar eller tillhanda- håller betaltjänster genom filial i Sverige, eller tillhandahåller betal- tjänster, distribuerar elektroniska pengar eller löser in elektroniska pengar genom ombud enligt 3 kap. 26 § ska lämna Riksbanken de upplysningar om sin verksamhet och därmed sammanhängande om- ständigheter som Riksbanken be- gär.</P>
<P class="p91 ft4">4 a §</P>
<P class="p655 ft41">Finansinspektionen får hän- skjuta frågor som rör ett förfaran- de av en annan behörig myndighet inom EES till Europeiska bankmyndigheten för tvistlösning i de fall som framgår av artikel 27 i Europaparlamentets och rådets Europaparlamentets och rådets direktiv (EU) 2015/2366 av den 25 november 2015 om betaltjänster på</P>
</DIV>
</DIV>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">559</P>
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</DIV>
</DIV>
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<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 3</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">560</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td178"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td68"><P class="p3 ft2"> </P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr2"><P class="p1 ft4">den inre marknaden, om ändring</P></TD>
</TR>
<TR>
<TD class="tr15 td178"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p1 ft4">av</P></TD>
<TD class="tr15 td136"><P class="p3 ft4">direktiven</P></TD>
<TD colspan=2 class="tr15 td141"><P class="p17 ft41">2002/65/EG,</P></TD>
</TR>
<TR>
<TD class="tr16 td178"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td108"><P class="p1 ft4">2009/110/EG och</P></TD>
<TD colspan=2 class="tr16 td141"><P class="p17 ft4">2013/36/EU</P></TD>
</TR>
<TR>
<TD class="tr16 td178"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p1 ft4">samt</P></TD>
<TD class="tr16 td136"><P class="p75 ft4">förordning</P></TD>
<TD class="tr16 td50"><P class="p75 ft4">(EU)</P></TD>
<TD class="tr16 td6"><P class="p17 ft4">nr</P></TD>
</TR>
<TR>
<TD class="tr15 td178"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr15"><P class="p1 ft4">1093/2010 och om upphävande av</P></TD>
</TR>
<TR>
<TD class="tr16 td178"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p1 ft41">direktiv 2007/64/EG<SPAN style="font: italic 8px 'Times New Roman';line-height: 9px;position: relative; bottom: 5px;">1</SPAN>. Inspektionen</P></TD>
</TR>
<TR>
<TD class="tr16 td178"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p1 ft4">ska avvakta med att meddela be-</P></TD>
</TR>
<TR>
<TD class="tr15 td178"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr15"><P class="p1 ft4">slut i väntan på Europeiska bank-</P></TD>
</TR>
<TR>
<TD class="tr28 td178"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td68"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr28 td349"><P class="p1 ft4">myndighetens avgörande.</P></TD>
<TD class="tr28 td6"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td178"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr27 td208"><P class="p442 ft3">5 §</P></TD>
<TD class="tr27 td136"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td6"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td178"><P class="p31 ft6">Finansinspektionen ska föra</P></TD>
<TD class="tr16 td68"><P class="p242 ft6">ett</P></TD>
<TD colspan=2 class="tr16 td108"><P class="p90 ft5">Finansinspektionen</P></TD>
<TD class="tr16 td50"><P class="p146 ft6">ska föra</P></TD>
<TD class="tr16 td6"><P class="p17 ft5">ett</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td225"><P class="p242 ft6">register över institut för elek-</P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft7">register över institut för elektroniska</P></TD>
</TR>
<TR>
<TD class="tr16 td178"><P class="p3 ft6">troniska pengar, registrerade</P></TD>
<TD class="tr16 td68"><P class="p242 ft6">ut-</P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p3 ft7">pengar, registrerade utgivare, deras</P></TD>
</TR>
</TABLE>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=6 class="tr15 td102"><P class="p3 ft3">givare, deras ombud och filialer.</P></TD>
<TD colspan=7 class="tr15 td102"><P class="p41 ft3">ombud och filialer. <SPAN class="ft4">Registret ska</SPAN></P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft5">Registret ska hållas tillgängligt hos</P></TD>
<TD colspan=4 class="tr16 td64"><P class="p41 ft4">innehålla uppgifter</P></TD>
<TD colspan=3 class="tr16 td53"><P class="p27 ft4">om tillstånd</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td85"><P class="p3 ft3">Finansinspektionen.</P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td102"><P class="p41 ft4">som återkallats enligt 11 § samt</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td154"><P class="p41 ft4">uppgifter</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p76 ft4">om</P></TD>
<TD class="tr16 td74"><P class="p90 ft4">de</P></TD>
<TD colspan=3 class="tr16 td53"><P class="p17 ft4">registrerade</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td102"><P class="p41 ft4">utgivare som inte längre uppfyller</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td154"><P class="p41 ft4">villkoren</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p241 ft4">för</P></TD>
<TD colspan=2 class="tr15 td103"><P class="p27 ft41">registrering</P></TD>
<TD colspan=2 class="tr15 td81"><P class="p17 ft4">enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td136"><P class="p41 ft4">2 kap. 3 §.</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p27 ft5">Registret ska</P></TD>
<TD colspan=2 class="tr16 td81"><P class="p27 ft6">hållas</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td136"><P class="p41 ft6">tillgängligt</P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft6">hos</P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td81"><P class="p27 ft7">Finans-</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td136"><P class="p41 ft7">inspektionen.</P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td64"><P class="p636 ft41">Finansinspektionen</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p21 ft4">ska</P></TD>
<TD class="tr16 td94"><P class="p17 ft41">utan</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td154"><P class="p41 ft4">dröjsmål</P></TD>
<TD colspan=3 class="tr16 td141"><P class="p130 ft4">underrätta</P></TD>
<TD colspan=3 class="tr16 td53"><P class="p17 ft4">Europeiska</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td102"><P class="p41 ft4">bankmyndigheten om den infor-</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td102"><P class="p41 ft4">mation som förs in i registret enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td102"><P class="p41 ft4">första stycket samt om skälen till</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td102"><P class="p41 ft4">att ett tillstånd återkallats enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td102"><P class="p41 ft4">11 § eller till att en registrerad</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td120"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
<TD colspan=7 class="tr16 td102"><P class="p41 ft4">utgivare inte längre uppfyller vill-</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td102"><P class="p41 ft4">koren för registrering enligt 2 kap.</P></TD>
</TR>
<TR>
<TD class="tr28 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td154"><P class="p41 ft4">3 §.</P></TD>
<TD class="tr28 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td105"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr27 td115"><P style="text-align: right;padding-right: 45px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">13 §</P></TD>
<TD class="tr27 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p181 ft6">Om en behörig myndighet i ett</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p17 ft6">Om en behörig myndighet i ett</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft6">annat</P></TD>
<TD class="tr16 td142"><P class="p93 ft6">land</P></TD>
<TD class="tr16 td177"><P class="p73 ft6">har</P></TD>
<TD colspan=4 class="tr16 td255"><P class="p424 ft6">underrättat annat</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p241 ft6">land</P></TD>
<TD class="tr16 td74"><P class="p93 ft6">har</P></TD>
<TD colspan=3 class="tr16 td53"><P class="p17 ft6">underrättat</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td85"><P class="p3 ft3">Finansinspektionen</P></TD>
<TD class="tr15 td120"><P class="p3 ft3">om</P></TD>
<TD class="tr15 td105"><P class="p31 ft5">att</P></TD>
<TD class="tr15 td135"><P class="p181 ft3">ett</P></TD>
<TD colspan=4 class="tr15 td64"><P class="p75 ft3">Finansinspektionen</P></TD>
<TD class="tr15 td92"><P class="p42 ft7">om</P></TD>
<TD class="tr15 td11"><P class="p198 ft5">att</P></TD>
<TD class="tr15 td94"><P class="p27 ft3">ett</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6">institut för elektroniska pengar har</P></TD>
<TD class="tr16 td154"><P class="p75 ft6">institut</P></TD>
<TD class="tr16 td162"><P class="p3 ft6">för</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p217 ft5">elektroniska</P></TD>
<TD colspan=2 class="tr16 td81"><P class="p27 ft6">pengar</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6">överträtt föreskrifter i det landet,</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft6">överträtt föreskrifter i det landet<SPAN class="ft4">,</SPAN></P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p3 ft3">ska inspektionen vidta de åtgärder</P></TD>
<TD colspan=5 class="tr15 td187"><P class="p75 ft3">ska inspektionen <SPAN class="ft4">utan</SPAN></P></TD>
<TD colspan=2 class="tr15 td81"><P class="p27 ft41">onödigt</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft5">som anges i <NOBR>8–11</NOBR> §§ mot institutet,</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft6"><SPAN class="ft4">dröjsmål </SPAN>vidta de åtgärder som</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft6">om</P></TD>
<TD class="tr16 td142"><P class="p3 ft6">det</P></TD>
<TD colspan=2 class="tr16 td154"><P class="p1 ft6">föreligger</P></TD>
<TD colspan=2 class="tr16 td125"><P class="p181 ft6">någon</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft5">anges i <NOBR>8–11</NOBR> §§ mot institutet, om</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td62"><P class="p3 ft3">omständighet</P></TD>
<TD class="tr15 td177"><P class="p75 ft3">som</P></TD>
<TD colspan=2 class="tr15 td14"><P class="p70 ft3">anges</P></TD>
<TD class="tr15 td135"><P class="p181 ft3">där.</P></TD>
<TD colspan=7 class="tr15 td102"><P class="p75 ft5">det föreligger någon omständighet</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td62"><P class="p3 ft6">Inspektionen</P></TD>
<TD colspan=3 class="tr16 td43"><P class="p3 ft6">ska underrätta</P></TD>
<TD class="tr16 td135"><P class="p181 ft6">den</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft41"><SPAN class="ft5">som anges där</SPAN>. Finansinspektionen</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td255"><P class="p3 ft6">behöriga myndigheten</P></TD>
<TD class="tr16 td105"><P class="p3 ft6">om</P></TD>
<TD class="tr16 td135"><P class="p181 ft6">vilka</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft4">ska utan dröjsmål underrätta den</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr20 td85"><P class="p3 ft3">åtgärder som vidtas.</P></TD>
<TD class="tr20 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr20 td102"><P class="p75 ft4">behöriga myndigheten i det andra</P></TD>
</TR>
</TABLE>
<P class="p91 ft7"><SPAN class="ft44">1 </SPAN>EUT L 337, 23.12.2015, s. 35 (Celex 32015L2366).</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_561" style="position:relative; overflow: hidden;margin: 49px 0px 77px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft50">landet samt de behöriga myndigheterna i övriga berörda länder inom EES om de åtgärder som vidtas.</P>
<P class="p433 ft4">21 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Om ett utländskt företag som i Sverige ger ut elektroniska pengar eller tillhandahåller betaltjänster genom filial, eller tillhandahåller betaltjänster, distribuerar elektro- niska pengar eller löser in elektro- niska pengar genom ombud enligt 3 kap. 26 §§ inte bedriver sin verksamhet i Sverige i enlighet med bestämmelserna i denna lag ska Finansinspektionen utan dröjsmål underrätta den behöriga myndigheten i företagets hemland.</P>
<P style="text-align: left;padding-left: 185px;margin-top: 17px;margin-bottom: 0px;" class="ft3">27 §</P>
<P style="text-align: left;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Regeringen eller den myndighet som regeringen bestämmer får meddela föreskrifter om</P>
<P class="p79 ft5"><SPAN class="ft5">1.</SPAN><SPAN class="ft147">beräkningen av genomsnittligt utestående skulder enligt 2 kap. 3 § 5,</SPAN></P>
<P class="p514 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">vad som utgör tillräckliga styr- och kontrollformer vid prövning av en ansökan enligt 2 kap. 6 § första stycket 2 a,</SPAN></P>
<P class="p79 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">beräkningen av kapitalkrav enligt 3 kap. 2 § första stycket,</SPAN></P>
<P class="p514 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft51">hur institut för elektroniska pengar och registrerade utgivare ska hantera medel enligt 3 kap. 6 §,</SPAN></P>
<P class="p611 ft70"><SPAN class="ft5">5.</SPAN><SPAN style="font: 11px 'Arial';margin-left: 4px;line-height: 15px;">hur institut för elektroniska pengar och registrerade utgivare ska hantera medel enligt 3 kap. 7 § andra stycket som tagits emot i utbyte mot utgivna elektroniska pengar och andra medel som tagits emot för </SPAN><NOBR>genom-förandet</NOBR> av betalningstransaktioner och hur stor andel av medlen</P>
<P style="text-align: left;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft3">hos <NOBR>insti-tuten</NOBR> eller utgivarna som omfattas av skyddskraven enligt 3 kap. 7 § tredje och fjärde styckena,</P>
<P class="p79 ft5"><SPAN class="ft5">6.</SPAN><SPAN class="ft147">vilka uppgifter som ska ges till Finansinspektionen enligt 3 kap. 8 §,</SPAN></P>
<P class="p79 ft6"><SPAN class="ft5">7.</SPAN><SPAN class="ft51">vilka uppgifter som ska anses relevanta enligt 3 kap. 9 §,</SPAN></P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft41"><SPAN class="ft4">8.</SPAN><SPAN class="ft87">vilka uppgifter som ska lämnas enligt 3 kap. 19 § andra stycket,</SPAN></P>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p604 ft6"><SPAN class="ft4">8</SPAN>. vad institut för elektroniska pengar och registrerade utgivare ska iaktta och vilka krav som institutet eller utgivaren ska uppfylla vid uppdragsavtal enligt 3 kap. 29 §,</P>
<P class="p631 ft40">9. vilka upplysningar ett institut för elektroniska pengar eller en registrerad utgivare ska lämna till Finansinspektionen för dess tillsynsverksamhet enligt 2 §, och</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 16px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p604 ft6"><SPAN class="ft4">9.</SPAN><SPAN class="ft51">vad institut för elektroniska pengar och registrerade utgivare ska iaktta och vilka krav som institutet eller utgivaren ska uppfylla vid uppdragsavtal enligt 3 kap. 29 §,</SPAN></P>
<P class="p631 ft40"><SPAN class="ft4">10.</SPAN><SPAN class="ft73">vilka upplysningar ett institut för elektroniska pengar, en registrerad utgivare </SPAN><SPAN class="ft39">eller ett ut- ländskt företag som ger ut elektro- niska pengar eller tillhandahåller betaltjänster genom filial i Sverige,</SPAN></P>
</DIV>
</DIV>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 3</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">561</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_562" style="position:relative; overflow: hidden;margin: 48px 0px 81px 36px;padding: 0px;border: none;width: 588px;">
<DIV style="position:absolute;top:188px;left:126px;z-index:-1;width:124px;height:1px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377562x1.jpg/" style="width:124px;height:1px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 13px;padding: 0px;border:none;width: 507px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 113px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 3</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td102"><P class="p75 ft4">eller tillhandahåller betaltjänster,</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td102"><P class="p75 ft4">distribuerar elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td102"><P class="p75 ft4">eller löser in elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td102"><P class="p75 ft4">genom ombud enligt 3 kap. 26 §</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td102"><P class="p75 ft4">ska lämna till Finansinspektionen</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td102"><P class="p75 ft4">och till Riksbanken för deras till-</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td102"><P class="p75 ft4">synsverksamheter enligt 2 §, samt</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td102"><P class="p75 ft4">med vilka intervall informationen</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td102"><P class="p75 ft4">ska lämnas<SPAN class="ft6">, och</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p181 ft6"><SPAN class="ft4">10</SPAN>. sådana avgifter som avses i</P></TD>
<TD class="tr16 td102"><P class="p18 ft5"><SPAN class="ft41">11. </SPAN>sådana avgifter som avses i</P></TD>
</TR>
<TR>
<TD class="tr20 td102"><P style="text-align: right;padding-right: 177px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">7 §.</P></TD>
<TD class="tr20 td102"><P class="p75 ft3">7 §.</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV style="border:none;margin: 26px 0px 0px 0px;padding: 0px;border:none;width: 588px;overflow: hidden;">
<P class="p1057 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">Denna lag träder i kraft den 13 januari 2018.</SPAN></P>
<P style="text-align: justify;padding-left: 126px;padding-right: 68px;margin-top: 1px;margin-bottom: 0px;text-indent: 12px;" class="ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">En juridisk person som fått tillstånd att bedriva verksamhet som institut för elektroniska pengar som före den 13 januari 2018 får fortsätta med verksamheten fram till den 13 juli 2018 i enlighet med kraven i lagen (2011:755) om elektroniska pengar. En sådan juridisk person ska på begäran lämna upplysningar till Finansinspektionen för att myndigheten senast den senast den 13 juli 2018 ska kunna bedöma om bestämmelserna i 2 och 3 kap. är uppfyllda. Om Finansinspektionen bedömer att förutsättningarna för tillstånd enligt 2 kap. 6 och 7 §§ är uppfyllda för en sådan juridisk person ska Finansinspektionen meddela tillstånd. Finansinspektionen ska informera den berörda juridiska personen innan tillstånd meddelas.</SPAN></P>
<P style="text-align: left;margin-top: 375px;margin-bottom: 0px;" class="ft3">562</P>
</DIV>
</DIV>
<DIV id="page_563" style="position:relative; overflow: hidden;margin: 49px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P class="p15 ft1">Förteckning över remissinstanserna</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 4</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 9px 0px 0px 0px;padding: 0px;border:none;width: 573px;overflow: hidden;">
<P class="p618 ft5">Sveriges riksbank, Göta hovrätt, Stockholms tingsrätt, Kammarrätten i Stockholm, Förvaltningsrätten i Stockholm, Domstolsverket, Ekobrotts- myndigheten, Polismyndigheten, Datainspektionen, Riksgäldskontoret, Finansinspektionen, Kronofogdemyndigheten, Länsstyrelsen Dalarna, Konsumentverket, Bolagsverket, Allmänna reklamationsnämnden, Juridiska fakulteten vid Stockholms universitet, Post- och telestyrelsen, Konkurrensverket, Regelrådet, Finansbolagens förening, Finansför- bundet, Företagarna, Handelsanställdas Förbund, Konsumenternas Bank- och finansbyrå, Näringslivets Regelnämnd, <NOBR>PAN-Nordic</NOBR> Card Association, Sparbankernas Riksförbund, Stockholms Handelskammare, Svensk Handel, Svenska Bankföreningen, Svenska Fondhandlare- föreningen, Svenskt Näringsliv, Sveriges advokatsamfund, Sveriges Kommuner och Landsting, Sveriges Konsumenter, SäkerhetsBranschen, American Express, Bambora AB, Bankgirocentralen AB, Bankomat AB, Diners Club, Euroclear Sweden AB, Klarna, Kontanten AB, Master Card, Paynova AB, Payson AB, Svea Exchange AB, Tink AB, Trustly Group AB, Visa, <NOBR>X-change</NOBR> in Sweden AB, Edenred Sverige AB, Loomis Sverige, Landex AB.</P>
<P style="text-align: right;margin-top: 458px;margin-bottom: 0px;" class="ft3">563</P>
</DIV>
</DIV>
<DIV id="page_564" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">564</P>
</DIV>
<DIV style="float:left;border:none;margin: 3px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p15 ft1">Lagrådsremissens lagförslag</P>
<P style="text-align: left;padding-right: 118px;margin-top: 16px;margin-bottom: 0px;" class="ft37">Förslag till lag om ändring i lagen (2010:751) om betaltjänster</P>
<P class="p682 ft40">Härigenom föreskrivs<SPAN class="ft38">1 </SPAN>i fråga om lagen (2010:751) om betaltjänster <SPAN class="ft39">dels </SPAN>att nuvarande 5 kap. <NOBR>6–33</NOBR> §§ ska betecknas 5 kap. <NOBR>28–48,</NOBR> 50, 51,</P>
<P class="p15 ft3">53, 54, 62, 64 och 66 §§,</P>
<P class="p463 ft5"><SPAN class="ft41">dels </SPAN>att 1 kap. <NOBR>1–4,</NOBR> 6 och 7 §§, 2 kap. <NOBR>1–3</NOBR> och 6 §§, 3 kap. 1, 2, 6, 7, 9, 13, <NOBR>17–21</NOBR> och <NOBR>23–28</NOBR> §§, 4 kap. 2, 3, <NOBR>5–7,</NOBR> 9, 10 och 15 §§, 4 a kap. 5 §, 5 kap. <NOBR>1–3</NOBR> och 5 §§, de nya 5 kap. 28, <NOBR>32–34,</NOBR> 36, 37, 39, 40, 42, 43, 45, 47, 48, 50, 51, 54, 62 och 66 §§, och 8 kap. 1, 2, <NOBR>3–5,</NOBR> 13, 21, 22 och 27 §§, rubriken till 7 kap. och rubrikerna närmast före 3 kap. 19, 21 och 23 §§, 5 kap. 5 § och 8 kap. 5 § ska ha följande lydelse,</P>
<P class="p213 ft3"><SPAN class="ft4">dels </SPAN>att rubriken närmast efter 4 kap. 3 § ska lyda ”Informations- skyldighet vid enstaka betaltjänster”,</P>
<P class="p213 ft6"><SPAN class="ft4">dels </SPAN>att rubrikerna närmast före 5 kap. 6, 9, 13, 16, 17 och <NOBR>30–33</NOBR> §§ ska sättas närmast före 5 kap. 28, 31, 35, 38, 39, 54, 62, 64 respektive 66 §,</P>
<P class="p213 ft3"><SPAN class="ft4">dels </SPAN>att rubriken närmast före 5 kap. 23 § ska sättas närmast efter 5 kap. 44 § och lyda ”Ansvar för genomförandet av en betalningstran- saktion”,</P>
<P class="p213 ft6"><SPAN class="ft4">dels </SPAN>att rubrikerna närmast före 5 kap. 10, 25 och 27 §§ ska sättas närmast före 5 kap. 32, 47 respektive 50 § och ha följande lydelse,</P>
<P class="p1123 ft3"><SPAN class="ft4">dels </SPAN>att det ska införas ett nytt kapitel, 5 a kap., 51 nya paragrafer, 1 kap. 1 a, 6 a, 6 b, 9 och 10 §§, 3 kap. 18 a och 28 a §§, 4 kap. 3 a, 4 a, 4 b, 7 a, 8 a, 21 och 22 §§, 5 kap. <NOBR>6–27,</NOBR> 49, 52, <NOBR>55–61,</NOBR> 63, 65 och 67 §§, 7 kap. 4 och 5 §§ och 8 kap. 23 e §, och närmast före 1 kap. 6, 7, 9 och 10 §§, 4 kap. 3 a, 21 och 22 §§ och 5 kap. 7, 14, 20, 23, 27, 45, 55, 65 och 67 §§ nya rubriker av följande lydelse.</P>
<P class="p268 ft4">Nuvarande lydelse Föreslagen lydelse</P>
<P style="text-align: left;padding-left: 180px;margin-top: 12px;margin-bottom: 0px;" class="ft42">1 kap.</P>
<P style="text-align: left;padding-left: 186px;margin-top: 1px;margin-bottom: 0px;" class="ft3">1 §<SPAN class="ft43">2</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr20 td60"><P class="p21 ft3">I denna lag finns bestämmelser</P></TD>
<TD class="tr20 td72"><P class="p17 ft3">I denna lag finns bestämmelser</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft7">om betaltjänster som tillhandahålls</P></TD>
<TD class="tr16 td72"><P class="p27 ft7">om betaltjänster som tillhandahålls</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">i Sverige och utförs inom det</P></TD>
<TD class="tr16 td72"><P class="p27 ft6">i Sverige och utförs inom det</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">Europeiska ekonomiska sam-</P></TD>
<TD class="tr15 td72"><P class="p27 ft3">Europeiska ekonomiska sam-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft5">arbetsområdet (EES) <SPAN class="ft41">i euro eller i</SPAN></P></TD>
<TD class="tr16 td72"><P style="text-align: right;padding-right: 74px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">arbetsområdet (EES).</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft4">någon annan av <NOBR>EES-ländernas</NOBR></P></TD>
<TD class="tr16 td72"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P style="text-align: right;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">valutor<SPAN class="ft7">.</SPAN></P></TD>
<TD class="tr20 td72"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-right: 72px;margin-top: 41px;margin-bottom: 0px;" class="ft45"><SPAN class="ft44">1 </SPAN>Jfr Europaparlamentets och rådets direktiv (EU) 2015/2366 av den 25 november 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG, i den ursprungliga lydelsen.</P>
<P class="p1130 ft7"><SPAN class="ft44">2 </SPAN>Senaste lydelse 2017:342.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_565" style="position:relative; overflow: hidden;margin: 49px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV style="position:absolute;top:616px;left:205px;width:188px;height:64px;"><SPAN class="ft50">2. tjänster som gör det möjligt att ta ut kontanter från ett betal- konto samt de åtgärder som krävs för förvaltning av kontot,</SPAN></DIV>
<DIV style="position:absolute;top:677px;left:205px;width:188px;height:48px;"><SPAN class="ft39">3</SPAN><SPAN class="ft40">. genomförande av betalnings- transaktioner, inklusive överföring av medel </SPAN><SPAN class="ft39">på ett betalkonto</SPAN><SPAN class="ft40">, genom</SPAN></DIV>
<DIV style="position:absolute;top:539px;left:205px;width:188px;height:64px;"><SPAN class="ft40">1. tjänster som gör det möjligt att sätta in kontanter </SPAN><SPAN class="ft39">på </SPAN><SPAN class="ft40">ett betal- konto samt de </SPAN><SPAN class="ft39">åtgärder </SPAN><SPAN class="ft40">som krävs för förvaltning av kontot,</SPAN></DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: left;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft3">I denna lag finns också bestämmelser om betalningsinstitut och registrerade betaltjänstleverantörer.</P>
<P style="text-align: left;padding-left: 11px;padding-right: 218px;margin-top: 0px;margin-bottom: 0px;" class="ft3">I 4 a kap. finns bestämmelser om 1. avgifter för betalkonto,</P>
<P class="p103 ft6">2. byte av betalkonto, och</P>
<P style="text-align: left;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft76">3. kreditinstituts skyldighet att tillhandahålla betalkonto med grund- läggande funktioner till en konsument.</P>
<P class="p231 ft4">1 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft41">När en betalningstransaktion genomförs i en valuta som inte är någon av <NOBR>EES-ländernas</NOBR> valutor och både betalarens och betal- ningsmottagarens betaltjänstlever- antörer hör hemma inom EES, gäller inte 4 kap. 4 § första stycket 2, 10 § 8 och 16 § första stycket 1 och 5 kap. <NOBR>38–41</NOBR> §§, 42 § första stycket, 43 och 44 §§. Det- samma gäller om det bara är en betaltjänstleverantör i betalnings- transaktionen och denne hör hemma inom EES.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 22px;margin-bottom: 0px;text-indent: 11px;" class="ft4">När antingen betalarens eller betalningsmottagarens betaltjänst- leverantör i en betalningstrans- aktion hör hemma utanför EES, gäller inte 4 kap. 4 § första stycket 2, 10 § 8 och 24 samt 16 § första stycket 1 och 5 kap. 1 § andra stycket, <NOBR>28–30,</NOBR> 38, 40, <NOBR>47–53</NOBR> och 62 §§.</P>
<P style="text-align: justify;padding-left: 11px;padding-right: 201px;margin-top: 16px;margin-bottom: 0px;text-indent: 177px;" class="ft3">2 § Med <SPAN class="ft4">betaltjänster </SPAN>avses i denna lag 1. tjänster som gör det möjligt</P>
<P style="text-align: justify;padding-right: 218px;margin-top: 0px;margin-bottom: 0px;" class="ft4"><SPAN class="ft3">att sätta in </SPAN>på och ta ut <SPAN class="ft3">kontanter </SPAN>från <SPAN class="ft3">ett betalkonto samt de </SPAN>transaktioner <SPAN class="ft3">som krävs för förvaltning av kontot,</SPAN></P>
<P style="text-align: justify;padding-right: 213px;margin-top: 56px;margin-bottom: 0px;text-indent: 11px;" class="ft4">2<SPAN class="ft3">. genomförande av betalnings- transaktioner, inklusive överföring av medel </SPAN>som även kan täckas av ett kreditutrymme<SPAN class="ft3">, genom</SPAN></P>
<P class="p79 ft6"><SPAN class="ft6">a)</SPAN><SPAN class="ft33">autogiro,</SPAN></P>
<P class="p79 ft3"><SPAN class="ft3">b)</SPAN><SPAN class="ft48">kontokort eller andra betalningsinstrument, eller</SPAN></P>
<P class="p79 ft3"><SPAN class="ft3">c)</SPAN><SPAN class="ft32">kontobaserade betalningar,</SPAN></P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">565</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_566" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 49px;padding: 0px;border:none;width: 575px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 113px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 5</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 109px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P style="text-align: left;padding-right: 16px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft3"><SPAN class="ft4">3</SPAN>. <SPAN class="ft4">utfärdande </SPAN>av betalnings- instrument,</P>
<P style="text-align: justify;padding-right: 16px;margin-top: 28px;margin-bottom: 0px;text-indent: 12px;" class="ft50"><SPAN class="ft4">4.</SPAN><SPAN class="ft67">inlösen av transaktionsbelopp där ett betalningsinstrument har använts,</SPAN></P>
<P class="p461 ft6"><SPAN class="ft4">5.</SPAN><SPAN class="ft33">penningöverföring, </SPAN><SPAN class="ft4">eller</SPAN></P>
<P style="text-align: justify;padding-right: 16px;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft4"><SPAN class="ft4">6.</SPAN><SPAN class="ft53">genomförande av betalnings- transaktioner där</SPAN></P>
<P class="p318 ft4">a) betalaren godkänner trans- aktionen med någon form av utrustning för telekommunikation, digital teknik eller informations- teknik, och</P>
<P class="p81 ft39">b) betalningen sker till system- operatören, som endast fungerar som mellanhand mellan betaltjänst- användaren och leverantören av varorna eller tjänsterna.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p213 ft50">4. genomförande av betalnings- transaktioner, när medlen täcks av ett kreditutrymme, genom</P>
<P class="p461 ft4"><SPAN class="ft41">a)</SPAN><SPAN class="ft53">autogiro,</SPAN></P>
<P class="p462 ft4"><SPAN class="ft41">b)</SPAN><SPAN class="ft53">kontokort eller andra betalningsinstrument, eller</SPAN></P>
<P class="p461 ft4"><SPAN class="ft41">c)</SPAN><SPAN class="ft53">kontobaserade betalningar,</SPAN></P>
<P class="p1123 ft4">5<SPAN class="ft3">. </SPAN>utgivning <SPAN class="ft3">av betalnings- instrument </SPAN>eller inlösen av trans- aktionsbelopp där ett betalnings- instrument har använts<SPAN class="ft3">,</SPAN></P>
<P style="text-align: left;padding-left: 12px;margin-top: 42px;margin-bottom: 0px;" class="ft3"><SPAN class="ft4">6</SPAN>. penningöverföring,</P>
<P style="text-align: left;padding-right: 73px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft56">7. betalningsinitieringstjänster, eller</P>
<P style="text-align: left;padding-left: 12px;margin-top: 150px;margin-bottom: 0px;" class="ft4">8. kontoinformationstjänster<SPAN class="ft3">.</SPAN></P>
</DIV>
</DIV>
<DIV style="border:none;margin: 12px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p86 ft3">3 §<SPAN class="ft43">3</SPAN></P>
<P class="p1082 ft3">Med <SPAN class="ft4">betaltjänstleverantörer </SPAN>avses i denna lag följande tillhandahållare av betaltjänster:</P>
<P style="text-align: left;padding-right: 161px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft3">1. </SPAN>banker och kreditmarknads- <SPAN class="ft3">1. </SPAN>kreditinstitut<SPAN class="ft3">, </SPAN>företag enligt lagen (2004:297) om</P>
<P class="p15 ft4">bank- och finansieringsrörelse<SPAN class="ft3">,</SPAN></P>
<P class="p1084 ft5"><SPAN class="ft5">2.</SPAN><SPAN class="ft147">institut för elektroniska pengar och de företag som har undantagits från tillståndsplikt enligt lagen (2011:755) om elektroniska pengar,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft33">betalningsinstitut och de fysiska eller juridiska personer som har undantagits från tillståndsplikt enligt 2 kap. 3 §,</SPAN></P>
<P class="p462 ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft32">statliga och kommunala myndigheter, när de inte ägnar sig åt myndighetsutövning,</SPAN></P>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 190px;overflow: hidden;">
<P class="p145 ft40">5. utländska fysiska och juri- diska personer samt myndigheter inom EES, <SPAN class="ft39">motsvarande </SPAN>dem i <NOBR>1–4</NOBR> med undantag <SPAN class="ft39">av </SPAN>sådana fysiska eller juridiska personer som har undantagits från tillståndsplikt</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 15px;padding: 0px;border:none;width: 194px;overflow: hidden;">
<P class="p145 ft40">5<SPAN class="ft39">. </SPAN>utländska fysiska och juri- diska personer samt myndigheter inom EES, <SPAN class="ft39">som motsvarar </SPAN>dem i <NOBR>1–4</NOBR> med undantag <SPAN class="ft39">för </SPAN>sådana fysiska eller juridiska personer som har undantagits från tillstånds-</P>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV style="border:none;margin: 27px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P class="p439 ft7"><SPAN class="ft44">3 </SPAN>Senaste lydelse 2011:775.</P>
<P style="text-align: left;padding-left: 36px;margin-top: 0px;margin-bottom: 0px;" class="ft3">566</P>
</DIV>
</DIV>
<DIV id="page_567" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:285px;left:273px;width:188px;height:51px;"><SPAN class="ft56">9. filialer till institut för elek- troniska pengar från länder utan- för EES.</SPAN></DIV>
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: italic 13px 'Times New Roman';">
<TR>
<TD colspan=4 class="tr22 td60"><P class="p3 ft3">enligt nationella bestämmelser som</P></TD>
<TD class="tr22 td68"><P class="p3 ft3">plikt</P></TD>
<TD class="tr22 td135"><P class="p1 ft3">enligt</P></TD>
<TD class="tr22 td154"><P class="p72 ft5">nationella</P></TD>
<TD colspan=2 class="tr22 td136"><P class="p42 ft5">bestämmel-</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td30"><P class="p3 ft41"><SPAN class="ft5">genomför </SPAN>Europaparlamentets</P></TD>
<TD class="tr15 td81"><P class="p62 ft4">och</P></TD>
<TD class="tr15 td68"><P class="p3 ft3">ser</P></TD>
<TD class="tr15 td135"><P class="p3 ft3">som</P></TD>
<TD class="tr15 td154"><P class="p3 ft3">genomför</P></TD>
<TD colspan=2 class="tr15 td136"><P class="p42 ft4">betaltjänst-</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD class="tr16 td210"><P class="p3 ft4">rådets direktiv</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p75 ft4">2007/64/EG</P></TD>
<TD class="tr16 td81"><P class="p62 ft4">om</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p3 ft4">direktivet<SPAN class="ft6">,</SPAN></P></TD>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td210"><P class="p3 ft4">betaltjänster</P></TD>
<TD class="tr16 td75"><P class="p146 ft4">på</P></TD>
<TD class="tr16 td14"><P style="text-align: center;padding-right: 15px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">den</P></TD>
<TD class="tr16 td81"><P class="p62 ft4">inre</P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p3 ft4">marknaden och om ändring av</P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td86"><P class="p3 ft4">direktiven 97/7/EG,</P></TD>
<TD colspan=2 class="tr16 td87"><P class="p62 ft41">2002/65/EG,</P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft4">2005/60/EG och 2006/48/EG samt</P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p3 ft4">upphävande av direktiv 97/5/EG<SPAN class="ft3">,</SPAN></P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td329"><P class="p42 ft5">6. Europeiska centralbanken och nationella centralbanker i andra EES-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=9 class="tr16 td329"><P class="p3 ft6">länder, när de inte agerar i egenskap av monetär eller offentlig</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td210"><P class="p3 ft3">myndighet,</P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td86"><P class="p90 ft6">7. postgiroinstitut</P></TD>
<TD class="tr16 td14"><P style="text-align: center;padding-right: 14px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">inom</P></TD>
<TD class="tr16 td81"><P class="p62 ft5">EES</P></TD>
<TD colspan=3 class="tr16 td108"><P class="p90 ft6">7. postgiroinstitut</P></TD>
<TD class="tr16 td92"><P class="p3 ft6">inom</P></TD>
<TD class="tr16 td46"><P class="p42 ft6">EES</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td86"><P class="p3 ft6">som enligt nationell</P></TD>
<TD colspan=2 class="tr16 td87"><P class="p62 ft6">lagstiftning</P></TD>
<TD class="tr16 td68"><P class="p3 ft6">som</P></TD>
<TD class="tr16 td135"><P class="p146 ft6">enligt</P></TD>
<TD class="tr16 td154"><P class="p41 ft6">nationell</P></TD>
<TD colspan=2 class="tr16 td136"><P class="p42 ft6">lagstiftning</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p3 ft3">har rätt att tillhandahålla betal-</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft3">har rätt att tillhandahålla betal-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td210"><P class="p3 ft3">tjänster, <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td103"><P class="p3 ft3">tjänster,</P></TD>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td210"><P class="p90 ft57">8. filialer till</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p3 ft57">kreditinstitut</P></TD>
<TD class="tr16 td81"><P class="p62 ft57">från</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p90 ft57">8. filialer</P></TD>
<TD colspan=2 class="tr16 td84"><P class="p72 ft4"><SPAN class="ft57">till </SPAN>utländska</P></TD>
<TD class="tr16 td46"><P class="p42 ft57">kredit-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td86"><P class="p3 ft57">länder utanför EES<SPAN class="ft4">.</SPAN></P></TD>
<TD class="tr28 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td81"><P class="p3 ft2"> </P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr28"><P class="p42 ft57">institut från länder utanför EES<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr28 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td210"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft4">och</P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 254px;margin-top: 62px;margin-bottom: 0px;" class="ft3">4 §<SPAN class="ft43">4</SPAN></P>
<P class="p13 ft3">I denna lag betyder</P>
<P class="p397 ft4"><SPAN class="ft58">autentisering</SPAN>: ett förfarande där en betaltjänstanvändares person- liga behörighetsfunktioner an- vänds och genom vilket en betal- tjänstleverantör kan kontrollera betaltjänstanvändarens identitet eller ett betalningsinstruments giltighet<SPAN class="ft3">,</SPAN></P>
<P class="p57 ft40"><SPAN class="ft39">autogiro</SPAN>: en betaltjänst för debitering av en betalares betalkonto, där initiativet till en betalningstransaktion tas av betalningsmottagaren på grundval av betalarens samtycke till mottagaren, mottagarens betaltjänst- leverantör eller betalarens egen betaltjänstleverantör,</P>
<P class="p12 ft6"><SPAN class="ft4">bankdag</SPAN>: en dag på vilken en betaltjänstleverantör har öppet för verk- samhet i den utsträckning som krävs för genomförande av en betalnings- transaktion,</P>
<P class="p57 ft5"><SPAN class="ft41">betalare</SPAN>: en fysisk eller juridisk person som är antingen betalkonto- innehavare och som godkänner en betalningsorder från detta betalkonto, eller en fysisk eller juridisk person som lämnar en betalningsorder,</P>
<P class="p57 ft40"><SPAN class="ft39">betalkonto</SPAN>: ett konto som innehas i en eller flera betaltjänstanvändares namn och som är avsett för genomförandet av betalningstransaktioner,</P>
<P class="p57 ft59"><SPAN class="ft54">betalkontodirektivet</SPAN>: Europaparlamentets och rådets direktiv 2014/92/EU av den 23 juli 2014 om jämförbarhet för avgifter som avser</P>
<P style="text-align: left;padding-left: 68px;margin-top: 37px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">4 </SPAN>Senaste lydelse 2017:342.</P>
<P class="p14 ft3">567</P>
</DIV>
<DIV id="page_568" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:632px;left:379px;z-index:-1;width:176px;height:1px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377568x1.jpg/" style="width:176px;height:1px;">
</DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">568</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: left;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft3">betalkonto, byte av betalkonto och tillgång till betalkonto med grund- läggande funktioner, i den ursprungliga lydelsen,</P>
<P class="p1082 ft3"><SPAN class="ft4">betalningsinstitut</SPAN>: ett aktiebolag eller en ekonomisk förening som har fått tillstånd att tillhandahålla betaltjänster enligt 2 kap.,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft58">betalningsinitieringstjänst</SPAN>: en tjänst för att på begäran av betal- tjänstanvändaren initiera en betal- ningsorder från ett betalkonto hos en annan betaltjänstleverantör,</P>
<P class="p213 ft6"><SPAN class="ft4">betalningsinstrument</SPAN>: ett kontokort eller något annat personligt instru- ment eller en personlig rutin som används för att initiera en betalnings- order,</P>
<P class="p1106 ft3"><SPAN class="ft4">betalningsmottagare</SPAN>: en fysisk eller juridisk person som är den avsedda mottagaren av medel vid en betalningstransaktion,</P>
<P class="p213 ft6"><SPAN class="ft4">betalningsorder</SPAN>: varje instruktion som en betalare eller betalningsmot- tagare ger sin betaltjänstleverantör om att en betalningstransaktion ska genomföras,</P>
<P class="p1106 ft3"><SPAN class="ft4">betalningssystem</SPAN>: ett generellt betalsystem enligt 1 kap. 3 § andra stycket lagen (2004:297) om bank- och finansieringsrörelse,</P>
<P style="text-align: center;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft70"><SPAN class="ft81">betalningstransaktion</SPAN>: insättning, uttag eller överföring av medel som initieras av betalaren eller betalningsmottagaren, oberoende av eventuella underliggande förpliktelser mellan betalaren och betalningsmottagaren, <SPAN class="ft81">betaltjänstanvändare</SPAN>: en fysisk eller juridisk person som utnyttjar en</P>
<P class="p15 ft3">betaltjänst,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft58">betaltjänstdirektivet</SPAN>: Europa– parlamentets och rådets direktiv (EU) 2015/2366 av den 25 novem- ber 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG, i den ursprungliga lydelsen,</P>
<P class="p1161 ft3"><SPAN class="ft4">debitera</SPAN>: att medel dras från ett konto,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft58">elektroniskt kommunikationsnät</SPAN>: detsamma som i 1 kap. 7 § lagen (2003:389) om elektronisk kom- munikation,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft50">elektronisk kommunikations- <SPAN class="ft60">tjänst</SPAN>: detsamma som i 1 kap. 7 § lagen om elektronisk kommunika- tion,</P>
<P style="text-align: left;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft70"><SPAN class="ft81">filial</SPAN>: ett avdelningskontor med självständig förvaltning, varvid även ett utländskt betalningsinstituts etablering av flera driftställen ska anses som</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr28 td60"><P class="p3 ft3">en enda filial,</P></TD>
<TD class="tr28 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p31 ft4"><SPAN class="ft58">grupp</SPAN><SPAN class="ft6">: </SPAN>detsamma som i 1 kap.</P></TD>
<TD class="tr16 td72"><P class="p17 ft4"><SPAN class="ft58">grupp</SPAN><SPAN class="ft6">: </SPAN>en grupp av företag som</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft4">7 § lagen (2006:531) om särskild</P></TD>
<TD class="tr16 td72"><P class="p27 ft4">är knutna till varandra genom ett</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft4">tillsyn över finansiella konglo-</P></TD>
<TD class="tr15 td72"><P class="p17 ft4">sådant förhållande som avses i</P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p3 ft4">merat<SPAN class="ft3">,</SPAN></P></TD>
<TD class="tr28 td72"><P class="p27 ft4">1 kap. 4, 5 eller 5 a § årsredovis-</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_569" style="position:relative; overflow: hidden;margin: 49px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 214px 0px 0px 0px;padding: 0px;border:none;width: 203px;overflow: hidden;">
<P class="p144 ft76"><SPAN class="ft50">hemland</SPAN>: det land där ett företag verksamhet som avses i denna lag,</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 2px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p513 ft41">ningslagen (1995:1554) eller en grupp av företag som avses i artik- larna <NOBR>4–7</NOBR> i kommissionens dele- gerade förordning (EU) nr 241/2014 av den 7 januari 2014 om komp- lettering av Europaparlamentets och rådets förordning (EU) nr 575/2013 med avseende på tekniska tillsynsstandarder för kapitalbaskrav på institut och som är knutna till varandra genom ett sådant förhållande som avses i artikel 10.1 eller artikel 113.6 eller 113.7 i tillsynsförordningen<SPAN class="ft5">,</SPAN></P>
<P style="text-align: left;padding-left: 5px;margin-top: 21px;margin-bottom: 0px;" class="ft3">har fått tillstånd att driva sådan</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft41"><SPAN class="ft65">inlösen av transaktionsbelopp</SPAN>: en betaltjänst där en betaltjänst- leverantör accepterar och behand- lar betalningsmottagarens betal- ningstransaktioner för att sedan överföra medel till betalningsmot- tagaren,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft50"><SPAN class="ft60">kapitalbas</SPAN>: detsamma som i 1 kap. 5 § 9 lagen om bank- och finansieringsrörelse,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft41"><SPAN class="ft65">kontobaserade betalningar</SPAN>: en betaltjänst för kreditering av en betalningsmottagares betalkonto med en betalningstransaktion eller en rad betalningstransaktioner från en betalares betalkonto, vilka utförs av en betaltjänstleverantör som har tillgång till betalarens betalkonto, på grundval av en instruktion som lämnats av betala- ren,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 11px;margin-top: 16px;margin-bottom: 0px;text-indent: 11px;" class="ft39"><SPAN style="font: italic 12px 'Times New Roman';text-decoration: underline;line-height: 16px;">kontoförvaltande betaltjänstleve- rantör</SPAN>: en betaltjänstleverantör som tillhandahåller och förvaltar ett betalkonto,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft41"><SPAN class="ft65">kontoinformationstjänst</SPAN>: en on- linetjänst för att tillhandahålla sammanställd information om ett eller flera betalkonton som betal- tjänstanvändaren har hos en eller flera andra betaltjänstleverantörer,</P>
<P style="text-align: left;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft3"><SPAN class="ft4">konsument</SPAN>: en fysisk person som handlar huvudsakligen för ändamål som faller utanför näringsverksamhet,</P>
<P class="p103 ft3"><SPAN class="ft4">kreditera</SPAN>: att medel tillförs ett konto,</P>
<P style="text-align: left;padding-left: 216px;margin-top: 0px;margin-bottom: 0px;" class="ft4"><SPAN class="ft58">kreditinstitut</SPAN>: detsamma som i</P>
</DIV>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">569</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_570" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">570</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;" class="ft50">1 kap. 5 § 10 lagen om bank- och finansieringsrörelse,</P>
<P class="p1082 ft3"><SPAN class="ft4">kvalificerat innehav</SPAN>: detsamma som i 1 kap. 5 § 15 lagen om bank- och finansieringsrörelse,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft41"><SPAN class="ft65">känsliga betalningsuppgifter</SPAN>: personliga behörighetsfunktioner och andra uppgifter som kan användas för bedrägerier, dock inte kontoinnehavarens namn och konto- nummer i sådan verksamhet som drivs av en leverantör av betalnings- initieringstjänster eller en leverantör av kontoinformationstjänster,</P>
<P class="p213 ft6"><SPAN class="ft4">lagligen bosatt inom EES</SPAN>: en fysisk person som har rätt att bosätta sig inom EES i enlighet med unionsrätten eller nationell rätt, inbegripet personer utan fast adress och personer som söker asyl inom ramen för Genèvekonventionen av den 28 juli 1951 angående flyktingars rättsliga ställning, protokollet till denna av den 31 januari 1967 och andra relevanta internationella fördrag,</P>
<P class="p288 ft3"><SPAN class="ft4">medel</SPAN>: sedlar och mynt, kontotillgodohavanden samt elektroniska pengar enligt lagen (2011:755) om elektroniska pengar,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft58">obehörig transaktion</SPAN>: en trans- aktion som genomförs utan sam- tycke från innehavaren av ett betalkonto eller någon annan som enligt kontoavtalet är behörig att använda kontot,</P>
<P class="p689 ft64"><SPAN class="ft63">penningöverföring</SPAN>: en betaltjänst där medel tas emot från en betalare, utan att något betalkonto öppnas i betalarens eller betalningsmottagarens namn, uteslutande i syfte att överföra motsvarande belopp till en mot- tagare eller en annan betaltjänstleverantör som agerar på mottagarens vägnar, eller där dessa medel tas emot på mottagarens vägnar och ställs till mottagarens förfogande,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 12px;margin-bottom: 0px;text-indent: 11px;" class="ft41"><SPAN class="ft65">personliga behörighetsfunktioner</SPAN>: personligt anpassade funktioner som betaltjänstleverantören till- handahåller betaltjänstanvändaren för autentiseringsändamål,</P>
<P class="p689 ft40"><SPAN class="ft39">ramavtal</SPAN>: ett avtal om betaltjänster som reglerar genomförandet av kommande enskilda och successiva betalningstransaktioner och som kan innehålla skyldigheter och villkor för att öppna ett betalkonto,</P>
<P class="p213 ft6"><SPAN class="ft4">referensväxelkurs</SPAN>: den växelkurs som ligger till grund för beräkningen av eventuell valutaväxling och görs tillgänglig av betaltjänstleverantören eller härrör från en offentligt tillgänglig källa,</P>
<P style="text-align: center;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft5"><SPAN class="ft41">referensräntesats</SPAN>: den räntesats som ligger till grund för beräkningen av eventuell tillämplig ränta och som härrör från en offentligt tillgänglig källa som kan kontrolleras av båda parterna i ett avtal om betaltjänster, <SPAN class="ft41">registrerad betaltjänstleverantör</SPAN>: en betaltjänstleverantör som undan-</P>
<P class="p15 ft3">tagits från krav på tillstånd enligt 2 kap. 3 §,</P>
<P style="text-align: left;padding-left: 205px;padding-right: 63px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft54"><SPAN style="font: italic 12px 'Times New Roman';text-decoration: underline;line-height: 17px;">stark kundautentisering</SPAN>: en auten- tisering som grundas på använd-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_571" style="position:relative; overflow: hidden;margin: 49px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;" class="ft41">ning av två eller flera kompo- nenter, kategoriserade som kunskap, innehav och unik egenskap, som är fristående från varandra så att det förhållandet att någon har kommit över en av komponenterna inte äventyrar de andra kompo- nenternas tillförlitlighet, och som är utformade för att skydda autentiseringsuppgifterna mot obehörig åtkomst,</P>
<P style="text-align: left;padding-right: 13px;margin-top: 18px;margin-bottom: 0px;text-indent: 11px;" class="ft76"><SPAN class="ft50">startkapital</SPAN>: detsamma som i 1 kap. 5 § 18 lagen om bank- och finans- ieringsrörelse,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft58">tillsynsförordningen</SPAN>: Europa- parlamentets och rådets för- ordning (EU) nr 575/2013 av den 26 juni 2013 om tillsynskrav för kreditinstitut och värdepappers- företag och om ändring av förord- ning (EU) nr 648/2012,</P>
<P class="p514 ft6"><SPAN class="ft4">unik identifikationskod</SPAN>: en kombination av bokstäver, siffror eller symboler som tillhandahållits av en betaltjänstleverantör, och som en betaltjänstanvändare ska uppge för att otvetydigt identifiera en annan betaltjänstanvändare eller dennes betalkonto,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft41"><SPAN class="ft65">utgivning av betalningsinstru- ment</SPAN>: en betaltjänst hos en betal- tjänstleverantör som har ingått avtal om att tillhandahålla betalaren ett betalningsinstrument för att initiera och behandla betalarens betalningstransaktioner,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 4px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft50"><SPAN class="ft60">utländskt kreditinstitut</SPAN>: detsamma som i 1 kap. 5 § 21 lagen om bank- och finansieringsrörelse,</P>
<P class="p773 ft3"><SPAN class="ft4">valuteringsdag</SPAN>: den referenstidpunkt som används av en betal- tjänstleverantör för att beräkna räntan på de medel som debiterats eller krediterats ett betalkonto.</P>
<TABLE cellpadding=0 cellspacing=0 class="t28">
<TR>
<TD class="tr1 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr1 td61"><P style="text-align: right;padding-right: 42px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft65">Undantag för vissa tjänster</P></TD>
</TR>
<TR>
<TD class="tr31 td60"><P class="p17 ft3">6 §</P></TD>
<TD class="tr31 td61"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p90 ft6">Denna lag gäller inte tjänster som</P></TD>
<TD class="tr16 td61"><P class="p3 ft66"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p90 ft6">1<SPAN class="ft4">. </SPAN>består av yrkesmässig, fysisk</P></TD>
<TD class="tr16 td61"><P class="p17 ft6">1. består av yrkesmässig, fysisk</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">transport av kontanter,</P></TD>
<TD class="tr15 td61"><P class="p17 ft4"><SPAN class="ft3">transport </SPAN>och därmed samman-</P></TD>
</TR>
<TR>
<TD class="tr21 td60"><P class="p3 ft61"> </P></TD>
<TD class="tr21 td61"><P class="p17 ft84">hängande hantering <SPAN class="ft24">av kontanter,</SPAN></P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft4">med undantag för uppräknings- verksamhet,</P>
<P class="p103 ft3">2. ger möjlighet till uttag av kontanter i samband med inköp av varor</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr15 td60"><P class="p3 ft3">eller tjänster,</P></TD>
<TD class="tr15 td61"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p90 ft3">3. består av valutaväxling genom</P></TD>
<TD class="tr15 td61"><P class="p90 ft5">3. består av valutaväxling genom</P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p3 ft3">utbyte av kontanter,</P></TD>
<TD class="tr28 td61"><P class="p3 ft3">utbyte av kontanter, <SPAN class="ft4">eller</SPAN></P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">571</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_572" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">572</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P style="text-align: justify;padding-right: 16px;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft32">tillhandahålls av leverantörer av tekniska tjänster </SPAN><SPAN class="ft4">vilka stödjer </SPAN>betaltjänstleverantörens verksam- het med betaltjänster, utan att leverantören av tekniska tjänster vid något tillfälle kommer i besitt- ning av medel,</P>
<P style="text-align: justify;padding-right: 16px;margin-top: 24px;margin-bottom: 0px;text-indent: 12px;" class="ft4"><SPAN class="ft41">5.</SPAN><SPAN class="ft53">baseras på betalningsinstru- ment som enbart kan utnyttjas inom ett begränsat nätverk av leverantörer, hos en leverantör i dennes affärsställe eller i fråga om ett begränsat varu- eller tjänste- utbud, eller</SPAN></P>
<P style="text-align: justify;padding-right: 16px;margin-top: 2px;margin-bottom: 0px;text-indent: 12px;" class="ft50"><SPAN class="ft4">6.</SPAN><SPAN class="ft67">består av uttag av kontanter med hjälp av uttagsautomater, om den som tillhandahåller tjänsten</SPAN></P>
<P class="p318 ft4">a) agerar för en eller flera kortutfärdares räkning,</P>
<P class="p318 ft4">b) inte är part i ramavtalet med den kund som tar ut medel från ett betalkonto, och</P>
<P class="p461 ft4">c) inte tillhandahåller sådana</P>
<P style="text-align: left;padding-right: 16px;margin-top: 2px;margin-bottom: 0px;" class="ft56">andra betaltjänster som anges i 2 §.</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p463 ft4"><SPAN class="ft3">4. tillhandahålls av leverantörer av tekniska tjänster </SPAN>som stöder <SPAN class="ft3">betaltjänstleverantörens verksam- het med betaltjänster, utan att leverantören av tekniska tjänster vid något tillfälle kommer i besitt- ning av medel, </SPAN>såvida inte de är betalningsinitieringstjänster eller kontoinformationstjänster.</P>
<P style="text-align: left;margin-top: 285px;margin-bottom: 0px;" class="ft4">6 a §</P>
<P style="text-align: justify;padding-right: 69px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Denna lag, med undantag för bestämmelserna om obehöriga transaktioner i 5 kap. <NOBR>55–58</NOBR> och <NOBR>60–63</NOBR> §§, gäller inte tjänster som</P>
<P class="p462 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft53">baseras på betalningsinstru- ment som enbart kan utnyttjas inom ett begränsat nätverk av leverantörer, hos en leverantör i dennes affärsställe eller i fråga om ett mycket begränsat varu- eller tjänsteutbud, eller</SPAN></P>
<P style="text-align: justify;padding-right: 69px;margin-top: 3px;margin-bottom: 0px;text-indent: 12px;" class="ft50"><SPAN class="ft4">2.</SPAN><SPAN class="ft67">baseras på betalningsinstru- ment som</SPAN></P>
<P class="p461 ft4">a) endast är giltiga i Sverige,</P>
<P class="p1123 ft50">b) tillhandahålls på begäran av ett företag eller ett offentligt organ för inköp av en viss vara eller tjänst från en leverantör som har ingått ett avtal om detta med utgivaren av instrumentet, och</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_573" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 294px;margin-left: 205px;font: italic 13px 'Times New Roman';">
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr22"><P class="p42 ft4">c) regleras av en nationell eller</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft4">regional myndighet av särskilda</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr28"><P class="p169 ft41">sociala eller skattemässiga skäl.</P></TD>
<TD class="tr28 td175"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p231 ft4">6 b §</P>
<P class="p341 ft4">Denna lag gäller inte en tjänst som består av uttag av kontanter med hjälp av uttagsautomater, om den som tillhandahåller tjänsten</P>
<P class="p341 ft50"><SPAN class="ft4">1.</SPAN><SPAN class="ft49">agerar för en eller flera kort- utfärdares räkning,</SPAN></P>
<P style="text-align: justify;padding-left: 205px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft52">inte är part i ramavtalet med den kund som tar ut medel från ett betalkonto,</SPAN></P>
<P style="text-align: justify;padding-left: 216px;margin-top: 0px;margin-bottom: 0px;" class="ft4"><SPAN class="ft4">3.</SPAN><SPAN class="ft52">inte tillhandahåller sådana</SPAN></P>
<P style="text-align: justify;padding-left: 205px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;" class="ft50">andra betaltjänster som anges i 2 §, och</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 157px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft39">4. informerar kunden om even- tuella uttagsavgifter eller växelkurs i 4 kap. 3, 4, 7 och 8 §§ innan uttaget görs och när kontanterna lämnas ut.</P>
<P style="text-align: left;padding-left: 205px;padding-right: 219px;margin-top: 12px;margin-bottom: 0px;font: italic 12px 'Times New Roman';text-decoration: underline;line-height: 17px;">Undantag för vissa betalningstransaktioner</P>
<P style="text-align: left;padding-left: 191px;margin-top: 10px;margin-bottom: 0px;" class="ft83">7<SPAN class="ft82">5</SPAN></P>
<P style="text-align: left;padding-left: 11px;margin-top: 3px;margin-bottom: 0px;" class="ft3">Denna lag gäller inte betalningstransaktioner som</P>
<P class="p408 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">sker med pappersbaserade instrument som checkar, växlar, kuponger, resecheckar, postanvisningar eller utbetalningsavier,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">består av icke yrkesmässig insamling och leverans av kontanter inom ramen för ideell verksamhet eller välgörenhet,</SPAN></P>
<P class="p408 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft48">genomförs mellan deltagare i ett system för avveckling av betal- ningar eller värdepapper,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft51">genomförs mellan betaltjänstleverantörer, deras ombud eller filialer för egen räkning,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft51">uteslutande sker i kontanter direkt från betalaren till betalnings- mottagaren, utan medverkan av någon mellanhand,</SPAN></P>
</DIV>
<DIV style="border:none;margin: 1px 0px 0px 68px;padding: 0px;border:none;width: 398px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 188px;overflow: hidden;">
<P class="p145 ft3">6. sker från betalaren till betal- ningsmottagaren genom en han- delskommissionär, eller</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 17px;padding: 0px;border:none;width: 193px;overflow: hidden;">
<P class="p145 ft4"><SPAN class="ft3">6. sker från betalaren till betal- ningsmottagaren genom en han- delskommissionär, </SPAN>handelsagent <SPAN class="ft3">eller </SPAN>motsvarande uppdragstagare, som för endast betalarens eller betalningsmottagarens räkning förhandlar eller ingår avtal om köp eller försäljning av varor eller tjänster,</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 46px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P class="p54 ft7"><SPAN class="ft44">5 </SPAN>Senaste lydelse 2013:582.</P>
<P class="p14 ft3">573</P>
</DIV>
</DIV>
<DIV id="page_574" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">574</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD colspan=4 class="tr2 td60"><P class="p21 ft3">7. avser förvaltning, inlösen eller</P></TD>
<TD colspan=8 class="tr2 td72"><P class="p27 ft3">7. avser förvaltning, inlösen eller</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p21 ft3">försäljning av finansiella instru-</P></TD>
<TD colspan=8 class="tr15 td72"><P class="p27 ft3">försäljning av finansiella instru-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft6">ment, vilka genomförs av de per-</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p27 ft6">ment, vilka genomförs av de per-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft6">soner som deltar i ett system för</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p27 ft6">soner som deltar i ett system för</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p21 ft5">avveckling enligt 3 samt av värde-</P></TD>
<TD colspan=8 class="tr15 td72"><P class="p17 ft5">avveckling enligt 3 samt av värde-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td47"><P class="p3 ft7">pappersföretag,</P></TD>
<TD class="tr16 td91"><P class="p71 ft5">kreditinstitut,</P></TD>
<TD class="tr16 td119"><P class="p21 ft6">fond-</P></TD>
<TD colspan=7 class="tr16 td197"><P class="p3 ft5">pappersföretag, kreditinstitut,</P></TD>
<TD class="tr16 td68"><P class="p17 ft6">fond-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft6">bolag,</P></TD>
<TD colspan=2 class="tr16 td146"><P class="p3 ft6">förvaltningsbolag,</P></TD>
<TD class="tr16 td119"><P class="p21 ft6">AIF-</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p3 ft6">bolag,</P></TD>
<TD colspan=5 class="tr16 td146"><P class="p346 ft5">förvaltningsbolag,</P></TD>
<TD class="tr16 td68"><P class="p27 ft6">AIF-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p21 ft7">förvaltare, i fråga om specialfonder,</P></TD>
<TD colspan=8 class="tr15 td72"><P class="p27 ft3">förvaltare, i fråga om special-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft6">som tillhandahåller investerings-</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p17 ft6">fonder, som tillhandahåller inves-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p21 ft7">tjänster samt andra företag som har</P></TD>
<TD colspan=5 class="tr16 td28"><P class="p3 ft5">teringstjänster samt</P></TD>
<TD colspan=3 class="tr16 td57"><P class="p27 ft6">andra företag</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft3">tillstånd</P></TD>
<TD class="tr15 td66"><P class="p41 ft3">att</P></TD>
<TD colspan=2 class="tr15 td77"><P class="p21 ft3">förvara finansiella</P></TD>
<TD colspan=8 class="tr15 td72"><P class="p17 ft3">som har tillstånd att förvara</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td47"><P class="p3 ft6">instrument<SPAN class="ft4">.</SPAN></P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td197"><P class="p3 ft6">finansiella instrument<SPAN class="ft4">, eller</SPAN></P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td28"><P class="p31 ft4">8. genomförs via</P></TD>
<TD class="tr16 td13"><P class="p3 ft4">en</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p17 ft41">leverantör</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p17 ft41">av elektroniska kommunikationsnät</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft4">eller</P></TD>
<TD colspan=3 class="tr16 td103"><P class="p1 ft41">elektroniska</P></TD>
<TD colspan=4 class="tr16 td107"><P class="p17 ft4">kommunikations-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td58"><P class="p3 ft4">tjänster</P></TD>
<TD colspan=2 class="tr16 td119"><P class="p177 ft41">vilken</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p130 ft4">fungerar</P></TD>
<TD class="tr16 td68"><P class="p17 ft4">som</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td76"><P class="p3 ft4">mellanhand, om</P></TD>
<TD colspan=4 class="tr15 td107"><P class="p27 ft4">betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p17 ft4">aktionerna faktureras på leveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td28"><P class="p3 ft4">törens faktura och</P></TD>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p17 ft4">a) avser inköp av digitalt inne-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft4">håll</P></TD>
<TD colspan=2 class="tr16 td66"><P class="p146 ft4">och</P></TD>
<TD colspan=3 class="tr16 td208"><P class="p178 ft41">röstbaserade</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p27 ft4">tjänster,</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft4">eller</P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p17 ft4">b) genomförs från eller via elek-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p17 ft4">tronisk utrustning för välgören-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p17 ft4">hetsändamål eller för inköp av</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td58"><P class="p3 ft4">biljetter<SPAN class="ft3">.</SPAN></P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p31 ft4">En</P></TD>
<TD colspan=4 class="tr16 td43"><P class="p202 ft41">förutsättning</P></TD>
<TD class="tr16 td13"><P class="p1 ft4">för</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p17 ft4">undantag</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p17 ft4">enligt första stycket 8 är att värdet</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p17 ft4">på de enskilda betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td55"><P class="p3 ft4">aktionerna</P></TD>
<TD class="tr16 td164"><P class="p93 ft4">inte</P></TD>
<TD colspan=4 class="tr16 td107"><P class="p27 ft4">överstiger ett</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p27 ft4">belopp motsvarande 50 euro och</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr15 td197"><P class="p3 ft4">betalningstransaktionernas</P></TD>
<TD class="tr15 td68"><P class="p27 ft4">sam-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p17 ft4">manlagda värde för en abonnent</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft4">inte</P></TD>
<TD colspan=3 class="tr16 td103"><P class="p3 ft4">överstiger</P></TD>
<TD class="tr16 td67"><P class="p3 ft4">ett</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p70 ft4">belopp</P></TD>
<TD class="tr16 td68"><P class="p27 ft4">mot-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td91"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">svarande 300 euro per månad.</P></TD>
</TR>
</TABLE>
<P class="p463 ft3">Denna lag gäller inte heller transaktioner som genomförs mellan ett moderföretag och dess dotterföretag eller mellan dotterföretag till ett och samma moderföretag, utom när en annan betaltjänstleverantör än ett företag i samma grupp medverkar som mellanhand.</P>
<P style="text-align: left;padding-left: 205px;margin-top: 12px;margin-bottom: 0px;" class="ft69">Anmälningsskyldighet</P>
<P style="text-align: left;padding-left: 205px;margin-top: 12px;margin-bottom: 0px;" class="ft4">9 §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Den som driver sådan verksam- het som avses i 6 a § 1 ska anmäla detta till Finansinspektionen om det sammanlagda värdet av de betalningstransaktioner som genomförts under de senaste tolv månaderna överstiger ett belopp motsvarande en miljon</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_575" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 294px;margin-left: 205px;font: italic 13px 'Times New Roman';">
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr22"><P class="p3 ft4">euro. Inspektionen ska besluta om</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">verksamheten omfattas av undan-</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">taget.</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p90 ft4">Den som driver sådan verksam-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">het som avses i 7 § första stycket 8</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">ska anmäla detta till Finans-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr20"><P class="p3 ft4">inspektionen.</P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 205px;margin-top: 12px;margin-bottom: 0px;" class="ft69">Registrering</P>
<P style="text-align: left;padding-left: 205px;margin-top: 12px;margin-bottom: 0px;" class="ft4">10 §</P>
<P class="p341 ft50">Finansinspektionen ska regist- rera den som har gjort en anmälan enligt 9 §.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft56">Bestämmelser om register finns i 8 kap. 5 §.</P>
<P style="text-align: justify;padding-left: 179px;margin-top: 9px;margin-bottom: 0px;" class="ft42"><SPAN class="ft42">2</SPAN><SPAN class="ft71">kap.</SPAN></P>
<P class="p234 ft3">1 §</P>
<P class="p408 ft6">För att tillhandahålla en eller flera betaltjänster krävs tillstånd av Finansinspektionen, om inte något annat framgår av 2 eller 3 §. När det gäller svenska tillhandahållare av betaltjänster, får tillstånd ges endast ett svenskt aktiebolag eller en svensk ekonomisk förening.</P>
<TABLE cellpadding=0 cellspacing=0 class="t46">
<TR>
<TD class="tr24 td60"><P class="p62 ft3">Särskilda bestämmelser om</P></TD>
<TD class="tr24 td61"><P class="p17 ft3">Särskilda bestämmelser om</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">utländska företag hemmahörande</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">utländska företag hemmahörande</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">inom EES finns i 3 kap. 26 <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr15 td61"><P style="text-align: right;padding-right: 31px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">inom EES finns i 3 kap. 26 §.</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P style="text-align: right;padding-right: 172px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">27 <SPAN class="ft5">§</SPAN>§<SPAN class="ft5">.</SPAN></P></TD>
<TD class="tr20 td61"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 11px;padding-right: 321px;margin-top: 9px;margin-bottom: 0px;text-indent: 175px;" class="ft40">2 §<SPAN class="ft38">6 </SPAN>Tillstånd enligt denna lag behövs inte för</P>
<P style="text-align: left;padding-right: 255px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft3">1. </SPAN>banker och kreditmarknads- <SPAN class="ft3">1. </SPAN>kreditinstitut<SPAN class="ft3">, </SPAN>företag enligt lagen (2004:297) om</P>
<P class="p15 ft4">bank- och finansieringsrörelse<SPAN class="ft3">,</SPAN></P>
<P class="p457 ft5"><SPAN class="ft5">2.</SPAN><SPAN class="ft55">institut för elektroniska pengar och de företag som har undantagits från tillståndsplikt enligt lagen (2011:755) om elektroniska pengar,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">statliga och kommunala myndigheter, när de inte ägnar sig åt myndighetsutövning,</SPAN></P>
</DIV>
<DIV style="border:none;margin: 1px 0px 0px 68px;padding: 0px;border:none;width: 398px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft64">4. utländska fysiska och juri- diska personer samt myndigheter inom EES, motsvarande dem i <NOBR>1–3</NOBR> med undantag av sådana fysiska eller juridiska personer som har undantagits från tillståndsplikt enligt nationella bestämmelser som genomför <SPAN class="ft63">Europaparlamentets och rådets direktiv 2007/64/EG</SPAN>,</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 16px;padding: 0px;border:none;width: 193px;overflow: hidden;">
<P class="p145 ft5">4. utländska fysiska och juri- diska personer samt myndigheter inom EES, motsvarande dem i <NOBR>1–3</NOBR> med undantag av sådana fysiska eller juridiska personer som har undantagits från tillståndsplikt enligt nationella bestämmelser som genomför <SPAN class="ft41">betaltjänstdirektivet</SPAN>,</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 41px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P class="p54 ft7"><SPAN class="ft44">6 </SPAN>Senaste lydelse 2011:775.</P>
<P class="p14 ft3">575</P>
</DIV>
</DIV>
<DIV id="page_576" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">576</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p463 ft40">5. Europeiska centralbanken och nationella centralbanker i andra EES- länder, när de inte agerar i egenskap av monetär eller offentlig myndig-</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr28 td141"><P class="p3 ft3">het,</P></TD>
<TD class="tr28 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td82"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td95"><P class="p31 ft6">6. postgiroinstitut</P></TD>
<TD class="tr16 td20"><P class="p3 ft6">inom</P></TD>
<TD class="tr16 td90"><P class="p21 ft5">EES</P></TD>
<TD colspan=2 class="tr16 td139"><P class="p31 ft6">6. postgiroinstitut</P></TD>
<TD class="tr16 td177"><P class="p41 ft6">inom</P></TD>
<TD class="tr16 td135"><P class="p17 ft6">EES</P></TD>
</TR>
<TR>
<TD class="tr15 td141"><P class="p3 ft3">som enligt</P></TD>
<TD class="tr15 td9"><P class="p72 ft3">nationell</P></TD>
<TD colspan=2 class="tr15 td43"><P class="p21 ft3">lagstiftning</P></TD>
<TD class="tr15 td141"><P class="p3 ft3">som enligt</P></TD>
<TD colspan=3 class="tr15 td86"><P class="p27 ft3">nationell lagstiftning</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6">har rätt att tillhandahålla betal-</P></TD>
<TD colspan=4 class="tr16 td72"><P class="p3 ft6">har rätt att tillhandahålla betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td141"><P class="p3 ft5">tjänster, <SPAN class="ft41">och</SPAN></P></TD>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft6">tjänster,</P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td141"><P class="p31 ft3">7. filialer</P></TD>
<TD colspan=2 class="tr15 td110"><P class="p3 ft3">till kreditinstitut</P></TD>
<TD class="tr15 td90"><P class="p21 ft3">från</P></TD>
<TD class="tr15 td141"><P class="p31 ft3">7. filialer</P></TD>
<TD colspan=2 class="tr15 td87"><P class="p3 ft4"><SPAN class="ft3">till </SPAN>utländska</P></TD>
<TD class="tr15 td135"><P class="p17 ft5">kredit-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td95"><P class="p3 ft6">länder utanför EES<SPAN class="ft4">.</SPAN></P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td72"><P class="p3 ft6">institut från länder utanför EES<SPAN class="ft4">,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td141"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td141"><P class="p3 ft4">och</P></TD>
<TD class="tr16 td82"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td141"><P class="p31 ft4">8. filialer</P></TD>
<TD colspan=3 class="tr15 td86"><P class="p17 ft4">till institut för elek-</P></TD>
</TR>
<TR>
<TD class="tr16 td141"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td139"><P class="p3 ft4">troniska pengar</P></TD>
<TD class="tr16 td177"><P class="p3 ft4">från</P></TD>
<TD class="tr16 td135"><P class="p17 ft41">länder</P></TD>
</TR>
<TR>
<TD class="tr20 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td90"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td139"><P class="p3 ft4">utanför EES.</P></TD>
<TD class="tr20 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 189px;margin-top: 9px;margin-bottom: 0px;" class="ft3">3 §</P>
<P class="p213 ft3">En fysisk eller juridisk person får ansöka hos Finansinspektionen om att undantas från tillståndsplikt enligt 1 §. Inspektionen ska besluta om ett sådant undantag om</P>
<P class="p462 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">genomsnittet av de totala betalningstransaktionerna under de senaste 12 månaderna inte överstiger ett belopp motsvarande 3 miljoner euro per månad,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">den som ska ingå i ett bolags eller en förenings styrelse, vara verkställande direktör eller ansvarig för betaltjänstverksamheten inte har dömts för brott som rör penningtvätt, finansiering av terrorism eller annan ekonomisk brottslighet,</SPAN></P>
<P class="p462 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft32">det finns skäl att anta att den planerade verksamheten kommer att drivas enligt tillämpliga delar av denna lag och andra författningar som reglerar verksamheten,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft33">det för juridiska personer finns skäl att anta att den som har ett kvalificerat innehav i företaget är lämplig att utöva ett väsentligt inflytande över ledningen av företaget, och</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft33">den som ska ingå i ett företags styrelse, vara verkställande direktör, ansvarig för betaltjänstverksamheten eller vara ersättare för någon av dem, har tillräcklig insikt och erfarenhet för att delta i ledningen av företaget eller ansvara för betaltjänstverksamheten och även i övrigt är lämplig för en sådan uppgift.</SPAN></P>
<P class="p1123 ft3">Vid bedömningen av om villkoret enligt första stycket 1 är uppfyllt, ska hänsyn även tas till de förväntade totala betalningstransaktionerna i företagets affärsplan.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Första stycket gäller inte den som endast tillhandahåller betal- ningsinitieringstjänster.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Den som endast tillhandahåller kontoinformationstjänster ska undantas från tillståndsplikt om villkoren i första stycket 2, 3 och 5 är uppfyllda och den fysiska eller juridiska personen har en ansvars- försäkring som täcker det geograf- iska område inom vilket verksam- heten drivs eller annan jämförbar</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_577" style="position:relative; overflow: hidden;margin: 49px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<P style="text-align: left;padding-left: 273px;padding-right: 57px;margin-top: 0px;margin-bottom: 0px;" class="ft50">garanti som täcker den skade- <SPAN class="ft76">Prop. 2017/18:77 </SPAN>ståndsskyldighet som kan upp- <SPAN class="ft76">Bilaga 5</SPAN></P>
<P style="text-align: left;padding-left: 273px;margin-top: 0px;margin-bottom: 0px;" class="ft4">komma till följd av verksamheten.</P>
<P style="text-align: left;padding-left: 256px;margin-top: 13px;margin-bottom: 0px;" class="ft3">6 §</P>
<P class="p13 ft3">Tillstånd att tillhandahålla betaltjänster ska ges, om</P>
<P class="p12 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">bolagsordningen eller stadgarna inte strider mot denna lag eller någon annan författning,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">det finns skäl att anta att den planerade verksamheten kommer att drivas</SPAN></P>
<P class="p12 ft6">a) med tillräckliga styr- och kontrollformer för verksamheten med betaltjänster, och</P>
<P class="p12 ft3">b) i enlighet med denna lag och andra författningar som reglerar företagets verksamhet,</P>
<P class="p12 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">det finns skäl att anta att den som har ett kvalificerat innehav i företaget är lämplig att utöva ett väsentligt inflytande över ledningen av företaget,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 393px;margin-left: 68px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr28 td60"><P class="p62 ft3">4. den som ska ingå i företagets</P></TD>
<TD colspan=6 class="tr28 td61"><P class="p17 ft3">4. den som ska ingå i företagets</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft7">styrelse, vara verkställande direktör</P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft7">styrelse, vara verkställande direktör</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">eller vara ersättare för någon av</P></TD>
<TD colspan=6 class="tr15 td61"><P class="p17 ft3">eller vara ersättare för någon av</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">dem, är lämplig för en sådan upp-</P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft4"><SPAN class="ft6">dem, </SPAN>har tillräcklig insikt och</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">gift, <SPAN class="ft4">och</SPAN></P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft4">erfarenhet för att delta i ledningen</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td61"><P class="p17 ft4">av ett sådant företag och även i</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft5"><SPAN class="ft41">övrigt </SPAN>är lämplig för en sådan upp-</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr25 td60"><P class="p62 ft3">5. den som är ansvarig för betal-</P></TD>
<TD class="tr16 td65"><P class="p3 ft6">gift,</P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td61"><P class="p17 ft3">5. den som är ansvarig för betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">tjänstverksamheten eller ersättare</P></TD>
<TD colspan=3 class="tr16 td146"><P class="p3 ft5">tjänstverksamheten</P></TD>
<TD class="tr16 td68"><P class="p3 ft6">eller</P></TD>
<TD colspan=2 class="tr16 td73"><P class="p17 ft7">ersättare</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">för denna person är lämplig för en</P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft5">för denna person är lämplig för en</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">sådan uppgift och har tillräcklig</P></TD>
<TD colspan=6 class="tr15 td61"><P class="p17 ft3">sådan uppgift och har tillräcklig</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">insikt och erfarenhet<SPAN class="ft4">.</SPAN></P></TD>
<TD colspan=4 class="tr16 td147"><P class="p3 ft5">insikt och erfarenhet<SPAN class="ft41">, och</SPAN></P></TD>
<TD class="tr16 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td146"><P class="p90 ft4">6. företaget, om</P></TD>
<TD class="tr16 td68"><P class="p72 ft4">det</P></TD>
<TD class="tr16 td105"><P class="p3 ft4">ska</P></TD>
<TD class="tr16 td27"><P class="p17 ft4">till-</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td208"><P class="p3 ft4">handahålla</P></TD>
<TD colspan=4 class="tr15 td85"><P class="p17 ft41">betalningsinitierings-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft41">tjänster eller endast kontoinforma-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft4">tionstjänster, har en ansvars-</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td61"><P class="p17 ft4">försäkring som täcker det geo-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft4">grafiska område inom vilket före-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft4">taget driver sin verksamhet, eller</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft4">annan</P></TD>
<TD colspan=2 class="tr15 td141"><P class="p70 ft4">jämförbar</P></TD>
<TD colspan=2 class="tr15 td104"><P class="p72 ft4">garanti</P></TD>
<TD class="tr15 td27"><P class="p17 ft4">som</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft4">täcker</P></TD>
<TD class="tr16 td180"><P class="p3 ft4">den</P></TD>
<TD colspan=4 class="tr16 td85"><P class="p17 ft41">skadeståndsskyldighet</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td61"><P class="p17 ft4">som kan uppkomma till följd av</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td146"><P class="p3 ft4">verksamheten.</P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p57 ft3">I fråga om europabolag och europakooperativ som har ett sådant förvaltningssystem som avses i artiklarna <NOBR>39–42</NOBR> i rådets förordning (EG) nr 2157/2001 av den 8 oktober 2001 om stadga för europabolag eller artiklarna <NOBR>37–41</NOBR> i rådets förordning (EG) nr 1435/2003 av den 22 juli 2003 om stadga för europeiska kooperativa föreningar <NOBR>(SCE-föreningar)</NOBR> ska bestämmelserna som avser styrelsen i första stycket 4 om lämplighets- prövning tillämpas på tillsynsorganet.</P>
<P style="text-align: right;padding-right: 51px;margin-top: 26px;margin-bottom: 0px;" class="ft3">577</P>
</DIV>
<DIV id="page_578" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:234px;left:367px;width:189px;height:210px;"><SPAN class="ft5">Ett betalningsinstitut ska vid varje tidpunkt ha en kapitalbas som motsvarar minst startkapitalet enligt 1 § eller ett kapitalkrav beräknat enligt 3 eller 4 §. Betal- ningsinstitutets kapitalbas får inte underskrida det högsta av dessa två belopp. </SPAN><SPAN class="ft41">Om betalningsinstitutet endast tillhandahåller betalnings- initieringstjänster gäller enbart kravet att institutet vid varje tidpunkt ska ha en kapitalbas som motsvarar minst startkapitalet enligt 1 §.</SPAN></DIV>
<DIV style="position:absolute;top:448px;left:367px;width:189px;height:96px;"><SPAN class="ft40">Vid beräkningen av kapitalbasen </SPAN><SPAN class="ft39">tillämpas tillsynsförordningen</SPAN><SPAN class="ft40">. </SPAN><SPAN class="ft39">Minst 75 procent av primärkapitalet ska vara i form av kärnprimärkapital, och supplementärkapitalet får uppgå till högst en tredjedel av primär- kapitalet.</SPAN></DIV>
<DIV style="border:none;margin: 0px 0px 0px 49px;padding: 0px;border:none;width: 575px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 113px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 5</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 180px;margin-top: 0px;margin-bottom: 0px;" class="ft42"><SPAN class="ft115">3</SPAN><SPAN style="font: bold 13px 'Arial';margin-left: 4px;line-height: 16px;">kap.</SPAN></P>
<P style="text-align: justify;padding-left: 189px;margin-top: 0px;margin-bottom: 0px;" class="ft3">1 §</P>
<P class="p606 ft3">Ett betalningsinstitut ska när det påbörjar sin verksamhet ha ett start-</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 374px;vertical-align: bottom;" class="tr15"><P class="p3 ft5">kapital som vid tidpunkten för beslut i fråga om tillstånd motsvarar</P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td150"><P class="p31 ft5">1. minst</P></TD>
<TD colspan=2 class="tr15 td136"><P class="p228 ft7">20 000 euro,</P></TD>
<TD class="tr15 td164"><P class="p71 ft3">om</P></TD>
<TD class="tr15 td34"><P class="p21 ft3">till-</P></TD>
<TD class="tr15 td150"><P class="p31 ft5">1. minst</P></TD>
<TD colspan=2 class="tr15 td136"><P class="p228 ft7">20 000 euro,</P></TD>
<TD class="tr15 td164"><P class="p71 ft3">om</P></TD>
<TD class="tr15 td13"><P class="p27 ft3">till-</P></TD>
</TR>
<TR>
<TD class="tr16 td150"><P class="p3 ft6">ståndet</P></TD>
<TD class="tr16 td122"><P class="p3 ft6">omfattar</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p21 ft7">betaltjänster</P></TD>
<TD class="tr16 td150"><P class="p3 ft6">ståndet</P></TD>
<TD class="tr16 td122"><P class="p3 ft6">omfattar</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft7">betaltjänster</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td77"><P class="p3 ft6">enligt 1 kap. 2 § <SPAN class="ft4">5</SPAN>,</P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td77"><P class="p3 ft6">enligt 1 kap. 2 § <SPAN class="ft4">6</SPAN>,</P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td150"><P class="p31 ft5">2. minst</P></TD>
<TD colspan=2 class="tr15 td136"><P class="p228 ft7">50 000 euro,</P></TD>
<TD class="tr15 td164"><P class="p71 ft3">om</P></TD>
<TD class="tr15 td34"><P class="p21 ft3">till-</P></TD>
<TD class="tr15 td150"><P class="p31 ft5">2. minst</P></TD>
<TD colspan=2 class="tr15 td136"><P class="p228 ft7">50 000 euro,</P></TD>
<TD class="tr15 td164"><P class="p71 ft3">om</P></TD>
<TD class="tr15 td13"><P class="p27 ft3">till-</P></TD>
</TR>
<TR>
<TD class="tr16 td150"><P class="p3 ft6">ståndet</P></TD>
<TD class="tr16 td122"><P class="p3 ft6">omfattar</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p21 ft7">betaltjänster</P></TD>
<TD class="tr16 td150"><P class="p3 ft6">ståndet</P></TD>
<TD class="tr16 td122"><P class="p3 ft6">omfattar</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft7">betaltjänster</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td77"><P class="p3 ft6">enligt 1 kap. 2 § <SPAN class="ft4">6</SPAN>,</P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td77"><P class="p3 ft6">enligt 1 kap. 2 § <SPAN class="ft4">7</SPAN>,</P></TD>
<TD class="tr16 td151"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td150"><P class="p31 ft5">3. minst</P></TD>
<TD colspan=2 class="tr15 td136"><P class="p291 ft7">125 000 euro,</P></TD>
<TD class="tr15 td164"><P class="p74 ft3">om</P></TD>
<TD class="tr15 td34"><P class="p21 ft3">till-</P></TD>
<TD class="tr15 td150"><P class="p31 ft5">3. minst</P></TD>
<TD colspan=2 class="tr15 td136"><P class="p180 ft7">125 000 euro,</P></TD>
<TD class="tr15 td164"><P class="p74 ft3">om</P></TD>
<TD class="tr15 td13"><P class="p27 ft3">till-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td152"><P class="p3 ft6">ståndet omfattar någon</P></TD>
<TD colspan=2 class="tr16 td98"><P class="p21 ft6">av betal-</P></TD>
<TD colspan=3 class="tr16 td152"><P class="p3 ft6">ståndet omfattar någon</P></TD>
<TD colspan=2 class="tr16 td200"><P class="p17 ft6">av betal-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td270"><P class="p3 ft7">tjänsterna enligt 1 kap. 2 § <NOBR>1–<SPAN class="ft72">4</SPAN>.</NOBR></P></TD>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr20 td270"><P class="p3 ft7">tjänsterna enligt 1 kap. 2 § <NOBR>1–<SPAN class="ft72">5</SPAN>.</NOBR></P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 12px;padding-right: 255px;padding-top: 1px;margin-top: 9px;margin-bottom: 0px;text-indent: 175px;" class="ft3">2 §<SPAN class="ft43">7 </SPAN>Ett betalningsinstitut ska vid</P>
<P style="text-align: justify;padding-right: 273px;margin-top: 0px;margin-bottom: 0px;" class="ft3">varje tidpunkt ha en kapitalbas som motsvarar minst startkapitalet enligt 1 § eller ett kapitalkrav beräknat enligt 3 eller 4 §. Betal- ningsinstitutets kapitalbas får inte underskrida det högsta av dessa två belopp.</P>
<P style="text-align: justify;padding-right: 273px;margin-top: 85px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft3">Vid beräkningen av kapital- basen </SPAN>och dess sammansättning gäller Europaparlamentets och rådets förordning (EU) nr 575/2013 av den 26 juni 2013 om tillsynskrav för kreditinstitut och värdepappersföretag och om ändring av förordning (EU) nr 648/2012<SPAN class="ft3">.</SPAN></P>
<P class="p213 ft6">Ett betalningsinstitut som tillhör samma grupp som ett annat betal- ningsinstitut, eller ett kreditinstitut, ett värdepappersföretag, ett fond- bolag, ett försäkringsföretag, en <NOBR>AIF-förvaltare</NOBR> som förvaltar special- fonder eller ett institut för elektroniska pengar får inte vid beräkning av kapitalbasen ta med sådana poster som ingår i beräkningen av något av dessa företags kapitalbas.</P>
<P class="p615 ft3">Ett betalningsinstitut som driver annan verksamhet i enlighet med 5 § får inte vid beräkningen av kapitalbasen ta med sådana poster som ingår i beräkningen av kapitalbasen i sådan annan verksamhet.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 30px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P class="p439 ft7"><SPAN class="ft44">7 </SPAN>Senaste lydelse 2014:988.</P>
<P style="text-align: left;padding-left: 36px;margin-top: 0px;margin-bottom: 0px;" class="ft3">578</P>
</DIV>
</DIV>
<DIV id="page_579" style="position:relative; overflow: hidden;margin: 49px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P class="p514 ft3">För ett betalningsinstitut som har bytt redovisningsvaluta gäller att kapitalbasen inte får understiga det högsta av de belopp som följer av 6 och 7 §§ lagen (2000:35) om byte av redovisningsvaluta i finansiella företag.</P>
<P style="text-align: left;padding-left: 188px;margin-top: 10px;margin-bottom: 0px;" class="ft3">6 §</P>
<P class="p514 ft3">Ett betalningsinstitut eller en registrerad betaltjänstleverantör får i sin verksamhet med betaltjänster inte</P>
<P class="p514 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">ta emot insättningar eller andra återbetalningspliktiga medel från allmänheten, eller</SPAN></P>
<P class="p514 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">erbjuda andra konton än betalkonton som uteslutande används för betalningstransaktioner.</SPAN></P>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 393px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft5">Ett betalningsinstitut eller en registrerad betaltjänstleverantör får i sin verksamhet med betaltjänster bevilja kredit för sådana betal- tjänster som avses i 1 kap. 2 § <SPAN class="ft41">2, 3, </SPAN>4 eller <SPAN class="ft41">6 </SPAN>om</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 16px;padding: 0px;border:none;width: 188px;overflow: hidden;">
<P class="p145 ft6">Ett betalningsinstitut eller en registrerad betaltjänstleverantör får i sin verksamhet med betaltjänster bevilja kredit för sådana betal- tjänster som avses i 1 kap. 2 § 4 eller <SPAN class="ft4">5 </SPAN>om</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<P class="p604 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">krediten endast utnyttjas i samband med genomförande av en betalningstransaktion,</SPAN></P>
<P class="p604 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">krediten inte beviljas ur medel som innehas för att genomföra en betalningstransaktion, och</SPAN></P>
<P class="p145 ft7"><SPAN class="ft5">3.</SPAN><SPAN style="font: 11px 'Arial';margin-left: 4px;line-height: 14px;">kredit via betalningsinstrument som lämnats inom ramen för gräns- överskridande verksamhet inom EES återbetalas inom 12 månader.</SPAN></P>
<P class="p822 ft3">Betalningsinstitut får endast bevilja kredit enligt andra stycket om institutets kapitalbas är tillfredsställande med hänsyn till det totala kredit- beloppet.</P>
<TABLE cellpadding=0 cellspacing=0 class="t34">
<TR>
<TD class="tr22 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td122"><P class="p3 ft3">7 §</P></TD>
<TD class="tr22 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td143"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p90 ft6">Ett</P></TD>
<TD colspan=2 class="tr16 td112"><P class="p3 ft6">betalningsinstitut</P></TD>
<TD class="tr16 td123"><P class="p17 ft6">eller en</P></TD>
<TD colspan=3 class="tr16 td157"><P class="p27 ft6">Ett betalningsinstitut eller en</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td138"><P class="p3 ft6">registrerad</P></TD>
<TD colspan=2 class="tr16 td139"><P class="p17 ft6">betaltjänstleverantör</P></TD>
<TD colspan=2 class="tr16 td84"><P class="p191 ft6">registrerad</P></TD>
<TD class="tr16 td143"><P class="p27 ft6">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td61"><P class="p3 ft5">ska vidta särskilda åtgärder för att</P></TD>
<TD colspan=3 class="tr15 td157"><P class="p27 ft3">ska vidta särskilda åtgärder för att</P></TD>
</TR>
<TR>
<TD class="tr16 td142"><P class="p3 ft7">skydda</P></TD>
<TD class="tr16 td135"><P class="p90 ft6">en</P></TD>
<TD colspan=2 class="tr16 td139"><P class="p17 ft7">betaltjänstanvändares</P></TD>
<TD class="tr16 td122"><P class="p191 ft6">skydda</P></TD>
<TD class="tr16 td27"><P class="p1 ft6">en</P></TD>
<TD class="tr16 td143"><P class="p27 ft7">betaltjänstanvändares</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p3 ft6">medel som mottagits för genom-</P></TD>
<TD colspan=3 class="tr16 td157"><P class="p17 ft6">medel som mottagits för genom-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td61"><P class="p3 ft7">förande av betalningstransaktioner</P></TD>
<TD class="tr15 td122"><P class="p191 ft3">förande</P></TD>
<TD class="tr15 td27"><P class="p3 ft3">av</P></TD>
<TD class="tr15 td143"><P class="p27 ft7">betalningstransaktioner.</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td61"><P class="p3 ft4">och som överstiger ett belopp</P></TD>
<TD colspan=3 class="tr16 td157"><P class="p191 ft6">Sådana medel ska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td138"><P class="p3 ft4">motsvarande</P></TD>
<TD class="tr16 td140"><P class="p90 ft4">300 euro<SPAN class="ft6">.</SPAN></P></TD>
<TD class="tr16 td123"><P class="p17 ft6">Sådana</P></TD>
<TD class="tr16 td122"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td143"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td138"><P class="p3 ft6">medel ska</P></TD>
<TD class="tr16 td140"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td143"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p604 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">hållas avskilda från betalningsinstitutets eller den registrerade betaltjänstleverantörens egna tillgångar och medel som innehas för annans räkning än betaltjänstanvändares, eller</SPAN></P>
<P class="p604 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">omfattas av en försäkring eller garanti som ger samma skydd för betaltjänstanvändaren som om medlen hålls åtskilda enligt 1.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr20 td131"><P class="p90 ft3">Medel för genomförande</P></TD>
<TD class="tr20 td74"><P class="p62 ft3">av</P></TD>
<TD class="tr20 td205"><P class="p90 ft3">Medel för</P></TD>
<TD colspan=2 class="tr20 td43"><P class="p3 ft3">genomförande</P></TD>
<TD class="tr20 td67"><P class="p17 ft3">av</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p62 ft7">transaktioner enligt första stycket 1,</P></TD>
<TD class="tr16 td205"><P class="p3 ft6">transaktioner</P></TD>
<TD class="tr16 td58"><P class="p31 ft6">enligt</P></TD>
<TD colspan=2 class="tr16 td9"><P class="p17 ft6">första</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p62 ft5">som fortfarande innehas av betal-</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p17 ft5">stycket 1, som fortfarande innehas</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p62 ft3">ningsinstitutet eller den registre-</P></TD>
<TD colspan=2 class="tr15 td159"><P class="p3 ft3">av betalningsinstitutet</P></TD>
<TD class="tr15 td74"><P class="p3 ft3">eller</P></TD>
<TD class="tr15 td67"><P class="p17 ft7">den</P></TD>
</TR>
<TR>
<TD class="tr16 td131"><P class="p3 ft6">rade betaltjänstleverantören</P></TD>
<TD class="tr16 td74"><P class="p62 ft6">vid</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p17 ft7">registrerade betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p62 ft5">slutet av bankdagen efter den dag</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p17 ft6">vid slutet av bankdagen efter den</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p62 ft7">då medlen mottogs, ska deponeras</P></TD>
<TD colspan=4 class="tr15 td61"><P class="p17 ft3">dag då medlen mottogs, ska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td60"><P class="p62 ft5">på ett särskilt konto hos <SPAN class="ft41">en svensk</SPAN></P></TD>
<TD colspan=4 class="tr28 td61"><P class="p17 ft7">deponeras på ett särskilt konto hos</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">579</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_580" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:433px;left:367px;width:189px;height:180px;"><SPAN class="ft5">Bestämmelser om skyldighet för fysiska eller juridiska personer som tillhandahåller betaltjänster att medverka till att förhindra penningtvätt och finansiering av terrorism finns i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism. </SPAN><SPAN class="ft41">Bestäm- melserna gäller inte för regist- rerade betaltjänstleverantörer som endast tillhandahåller kontoinfor- mationstjänster.</SPAN></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">580</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td60"><P class="p3 ft4">bank, ett svenskt kreditmarknads-</P></TD>
<TD class="tr2 td72"><P class="p3 ft41">ett kreditinstitut <SPAN class="ft5">eller </SPAN>ett <SPAN class="ft5">utländskt</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft4">företag <SPAN class="ft3">eller utländskt </SPAN>bank- eller</P></TD>
<TD class="tr15 td72"><P class="p3 ft3"><SPAN class="ft4">kreditinstitut </SPAN>eller investeras i</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6"><SPAN class="ft4">kreditföretag </SPAN>eller investeras i</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">likvida tillgångar med låg risk.</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">likvida tillgångar med låg risk.</P></TD>
<TD class="tr16 td72"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p463 ft5">Första och andra styckena gäller även i de fall då ett betalningsinstitut eller en registrerad betaltjänstleverantör tar emot medel där en andel ska användas för framtida betalningstransaktioner och återstoden för andra tjänster än betaltjänster. Om det inte går att fastställa hur stor andel av användares medel som kommer att användas till betalningstransak- tionerna, får ett betalningsinstitut eller en registrerad betaltjänstleveran- tör, om det är möjligt att på grundval av historiska uppgifter och efter tillstånd av Finansinspektionen, göra en uppskattning av denna andel.</P>
<P style="text-align: left;padding-left: 186px;margin-top: 15px;margin-bottom: 0px;" class="ft3">9 §<SPAN class="ft43">8</SPAN></P>
<P class="p463 ft40">Ett betalningsinstitut ska ha minst en revisor som utses av stämman. Bara den som är auktoriserad eller godkänd revisor får vara revisor. Minst en revisor som stämman utsett ska vara auktoriserad revisor.</P>
<P style="text-align: justify;padding-right: 273px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Ett europakooperativ ska upp- rätta årsredovisning och, i före- kommande fall, koncernredovis- ning i enlighet med de bestäm- melser i lagen (1995:1559) om årsredovisning i kreditinstitut och värdepappersbolag som är tillämp- liga på betalningsinstitut som drivs i ekonomisk förening.</P>
<P style="text-align: left;padding-left: 12px;padding-right: 246px;padding-top: 1px;margin-top: 16px;margin-bottom: 0px;text-indent: 171px;" class="ft3">13 §<SPAN class="ft43">9 </SPAN>Bestämmelser om skyldighet för</P>
<P style="text-align: justify;padding-right: 273px;margin-top: 0px;margin-bottom: 0px;" class="ft3">fysiska eller juridiska personer som tillhandahåller betaltjänster att medverka till att förhindra penningtvätt och finansiering av terrorism finns i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism.</P>
<P style="text-align: left;padding-left: 181px;margin-top: 69px;margin-bottom: 0px;" class="ft3">17 §<SPAN class="ft43">10</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 11px 'Arial';">
<TR>
<TD class="tr20 td60"><P class="p21 ft3">Om ett betalningsinstitut eller en</P></TD>
<TD class="tr20 td72"><P class="p17 ft3">Om ett betalningsinstitut eller en</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft7">registrerad betaltjänstleverantör vill</P></TD>
<TD class="tr15 td72"><P class="p17 ft7">registrerad betaltjänstleverantör vill</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft5">tillhandahålla betaltjänster genom</P></TD>
<TD class="tr16 td72"><P class="p17 ft5">tillhandahålla betaltjänster genom</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p21 ft7">ombud, ska betalningsinstitutet eller</P></TD>
<TD class="tr20 td72"><P class="p27 ft7">ombud, ska betalningsinstitutet eller</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-right: 152px;margin-top: 20px;margin-bottom: 0px;font: 11px 'Arial';line-height: 13px;"><SPAN class="ft44">8 </SPAN>Senaste lydelse 2013:234. Ändringen innebär att andra stycket tas bort. <SPAN class="ft44">9 </SPAN>Senaste lydelse 2017:652.</P>
<P class="p821 ft7"><SPAN class="ft44">10 </SPAN>Senaste lydelse 2017:652.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_581" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 5px 0px 0px 0px;padding: 0px;border:none;width: 204px;overflow: hidden;">
<P style="text-align: justify;padding-right: 15px;margin-top: 0px;margin-bottom: 0px;" class="ft124">den registrerade betaltjänstleveran- tören anmäla ombudet för regist- rering hos Finansinspektionen.</P>
<P style="text-align: left;padding-left: 11px;margin-top: 39px;margin-bottom: 0px;" class="ft3">Anmälan ska innehålla</P>
<P style="text-align: justify;padding-right: 14px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft124"><SPAN class="ft5">1.</SPAN><SPAN style="font: 11px 'Arial';margin-left: 4px;line-height: 17px;">ombudets namn, adress </SPAN><SPAN class="ft123">samt </SPAN>personnummer eller motsvarande,</P>
<P style="text-align: justify;padding-right: 15px;margin-top: 38px;margin-bottom: 0px;text-indent: 11px;" class="ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">om ombudet är en juridisk person, dessutom namn, person- nummer eller motsvarande samt adress för </SPAN><SPAN class="ft4">de </SPAN>som ingår i ombudets styrelse eller är verkställande direktör,</P>
<P style="text-align: justify;padding-right: 14px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft5"><SPAN class="ft5">3.</SPAN><SPAN class="ft55">uppgifter som visar att de personer som avses i 2 är lämpliga för en sådan uppgift eller, om ombudet är en fysisk person, att han eller hon är lämplig att till- handahålla betaltjänster, </SPAN><SPAN class="ft41">och</SPAN></P>
<P style="text-align: justify;padding-right: 14px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft64"><SPAN class="ft5">4.</SPAN><SPAN style="font: 11px 'Arial';margin-left: 4px;line-height: 16px;">ombudets interna regler för hur ombudet ska leva upp till de krav som anges i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism</SPAN><SPAN class="ft63">.</SPAN></P>
<P style="text-align: justify;padding-right: 15px;margin-top: 41px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Om anmälan uppfyller kraven i andra stycket ska Finansinspek- tionen registrera ombudet i det register som inspektionen för enligt 8 kap. 5 §.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 352px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 295px;font: 13px 'Arial';">
<TR height=0>
<TD width=31px></TD>
<TD width=20px></TD>
<TD width=29px></TD>
<TD width=34px></TD>
<TD width=34px></TD>
<TD width=22px></TD>
<TD width=32px></TD>
<TD width=93px></TD>
</TR>
<TR>
<TD colspan=7 class="tr22 td193"><P class="p1 ft3">den registrerade betaltjänstleveran-</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td164"><P class="p1 ft3">tören</P></TD>
<TD colspan=2 class="tr15 td58"><P class="p217 ft3">anmäla</P></TD>
<TD colspan=4 class="tr15 td95"><P class="p42 ft3">ombudet för regist-</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p1 ft6">rering hos Finansinspektionen. <SPAN class="ft4">En</SPAN></P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p1 ft4">sådan anmälan behöver inte göras</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td200"><P class="p1 ft4">när det</P></TD>
<TD colspan=5 class="tr15 td172"><P class="p42 ft41">gäller kontoinformations-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td200"><P class="p1 ft4">tjänster.</P></TD>
<TD class="tr28 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr27 td136"><P class="p90 ft5">1. ombudets</P></TD>
<TD colspan=3 class="tr27 td137"><P class="p154 ft3">namn, adress</P></TD>
<TD class="tr27 td75"><P class="p42 ft41">och</P></TD>
<TD class="tr27 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td136"><P class="p3 ft7">personnummer</P></TD>
<TD class="tr16 td74"><P class="p75 ft6">eller</P></TD>
<TD colspan=3 class="tr16 td210"><P class="p42 ft6">motsvarande</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p3 ft4">samt ombudets unika identi-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td193"><P class="p3 ft4">fikationskod eller identifikations-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p3 ft4">nummer om sådana uppgifter finns<SPAN class="ft6">,</SPAN></P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td200"><P class="p90 ft6">2. om</P></TD>
<TD colspan=3 class="tr16 td116"><P class="p326 ft6">ombudet är en</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p42 ft6">juridisk</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td193"><P class="p3 ft3">person, dessutom namn, person-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td200"><P class="p3 ft6">nummer</P></TD>
<TD class="tr16 td68"><P class="p198 ft6">eller</P></TD>
<TD colspan=4 class="tr16 td95"><P class="p42 ft6">motsvarande samt</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p3 ft6">adress för <SPAN class="ft4">var och en </SPAN>som ingår i</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td193"><P class="p3 ft3">ombudets styrelse eller är <SPAN class="ft4">dess</SPAN></P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td160"><P class="p3 ft6">verkställande direktör,</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td136"><P class="p90 ft6">3. uppgifter</P></TD>
<TD class="tr16 td74"><P class="p182 ft7">som</P></TD>
<TD class="tr16 td74"><P class="p182 ft6">visar</P></TD>
<TD class="tr16 td27"><P class="p76 ft6">att</P></TD>
<TD class="tr16 td75"><P class="p42 ft6">de</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td193"><P class="p3 ft3">personer som avses i 2 är lämpliga</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p3 ft6">för en sådan uppgift eller, om</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p3 ft6">ombudet är en fysisk person, att</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td193"><P class="p3 ft3">han eller hon är lämplig att till-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td160"><P class="p3 ft6">handahålla betaltjänster,</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td136"><P class="p90 ft5">4. ombudets</P></TD>
<TD colspan=3 class="tr16 td137"><P class="p129 ft6">interna regler</P></TD>
<TD class="tr16 td75"><P class="p42 ft6">för</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td193"><P class="p3 ft3">hur ombudet ska leva upp till de</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p3 ft6">krav som anges i lagen (2017:630)</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p3 ft6">om åtgärder mot penningtvätt och</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td42"><P class="p3 ft3">finansiering av terrorism<SPAN class="ft4">, och</SPAN></P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td136"><P class="p90 ft4">5. uppgifter</P></TD>
<TD class="tr16 td74"><P class="p202 ft4">om</P></TD>
<TD class="tr16 td74"><P class="p178 ft41">vilka</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p42 ft4">betal-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p3 ft4">tjänster ombudet har i uppdrag att</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td136"><P class="p3 ft41">tillhandahålla.</P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p90 ft6">Om anmälan uppfyller kraven i</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p3 ft6">andra stycket ska Finansinspek-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td193"><P class="p3 ft3">tionen registrera ombudet i det</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td200"><P class="p3 ft6">register</P></TD>
<TD class="tr16 td68"><P class="p76 ft6">som</P></TD>
<TD colspan=3 class="tr16 td137"><P class="p241 ft6">inspektionen</P></TD>
<TD class="tr16 td75"><P class="p42 ft6">för</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td164"><P class="p3 ft6">enligt</P></TD>
<TD colspan=2 class="tr16 td58"><P class="p217 ft6">8 kap.</P></TD>
<TD class="tr16 td74"><P class="p135 ft5">5 §.</P></TD>
<TD colspan=3 class="tr16 td210"><P class="p42 ft41">Finansinspek-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td193"><P class="p3 ft4">tionen ska inom två månader från</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td193"><P class="p3 ft4">det att anmälan togs emot under-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td164"><P class="p3 ft4">rätta</P></TD>
<TD colspan=5 class="tr16 td111"><P class="p129 ft41">betalningsinstitutet eller</P></TD>
<TD class="tr16 td75"><P class="p42 ft41">den</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td136"><P class="p3 ft4">registrerade</P></TD>
<TD colspan=4 class="tr15 td95"><P class="p42 ft4">betaltjänstleveran-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td71"><P class="p3 ft4">tören om sitt beslut.</P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td71"><P class="p31 ft4">Ombudet får inte</P></TD>
<TD colspan=3 class="tr16 td210"><P class="p242 ft41">tillhandahålla</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td136"><P class="p1 ft4">betaltjänster</P></TD>
<TD class="tr16 td74"><P class="p179 ft41">innan</P></TD>
<TD colspan=3 class="tr16 td210"><P class="p242 ft4">registrering</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p102 ft4">enligt tredje stycket har gjorts.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 13px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P style="text-align: left;padding-left: 253px;margin-top: 0px;margin-bottom: 0px;" class="ft3">18 §</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 393px;margin-left: 68px;font: 12px 'Arial';">
<TR>
<TD class="tr20 td60"><P class="p62 ft3">Om ett betalningsinstitut vill</P></TD>
<TD class="tr20 td61"><P class="p17 ft3">Om ett betalningsinstitut vill</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">tillhandahålla betaltjänster genom</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">tillhandahålla betaltjänster genom</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">ombud i ett annat land inom EES,</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">ombud i ett annat land inom EES,</P></TD>
</TR>
</TABLE>
<P class="p160 ft3">581</P>
</DIV>
</DIV>
<DIV id="page_582" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">582</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td159"><P class="p3 ft3">ska betalningsinstitutet</P></TD>
<TD colspan=2 class="tr2 td208"><P class="p21 ft7">underrätta</P></TD>
<TD class="tr2 td72"><P class="p3 ft5">ska betalningsinstitutet underrätta</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td197"><P class="p3 ft7">Finansinspektionen om detta.</P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td72"><P class="p3 ft5">Finansinspektionen om detta. <SPAN class="ft41">Det-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td159"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft4">samma gäller om en registrerad</P></TD>
</TR>
<TR>
<TD class="tr16 td159"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft41">betaltjänstleverantör vill tillhanda-</P></TD>
</TR>
<TR>
<TD colspan=3 rowspan=2 class="tr31 td60"><P class="p31 ft3">Underrättelsen ska innehålla</P></TD>
<TD class="tr20 td72"><P class="p3 ft4">hålla kontoinformationstjänster<SPAN class="ft3">.</SPAN></P></TD>
</TR>
<TR>
<TD class="tr30 td72"><P class="p3 ft47"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p21 ft4"><SPAN class="ft3">1. </SPAN>en plan för den avsedda verk-</P></TD>
<TD class="tr15 td72"><P class="p31 ft4"><SPAN class="ft3">1. </SPAN>uppgifter om betaltjänstlever-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft4">samheten med uppgift om om-</P></TD>
<TD class="tr15 td72"><P class="p3 ft4">antörens namn och adress<SPAN class="ft3">,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td159"><P class="p3 ft4">budets organisation</P></TD>
<TD class="tr16 td70"><P class="p71 ft4">och</P></TD>
<TD class="tr16 td119"><P class="p21 ft4">de</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft4">tjänster som ombudet avser att</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td159"><P class="p3 ft4">tillhandahålla<SPAN class="ft3">, </SPAN>och</P></TD>
<TD class="tr15 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td197"><P class="p31 ft4"><SPAN class="ft6">2. </SPAN>uppgifter om ombudets</P></TD>
<TD class="tr16 td119"><P class="p21 ft41">namn</P></TD>
<TD class="tr16 td72"><P class="p31 ft4"><SPAN class="ft6">2. </SPAN>uppgift om i vilket land</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft4">och adress samt dess ansvariga</P></TD>
<TD class="tr16 td72"><P class="p3 ft4">verksamheten ska drivas, och</P></TD>
</TR>
<TR>
<TD class="tr16 td159"><P class="p3 ft4">ledning.</P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 30px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft4">Innan Finansinspektionen beslutar att registrera ombudet enligt 8 kap. 5 §, ska inspektionen underrätta den behöriga myn- digheten i det andra landet. Underrättelsen ska innehålla upp- gifterna enligt andra stycket. Finansinspektionen får vägra att registrera ombud eller återkalla en utförd registrering, om den behöriga myndigheten i det andra landet har skälig anledning att anta att penningtvätt eller finan- siering av terrorism äger rum eller har ägt rum eller har försökt genomföras i anknytning till om- budet, eller om anlitandet av om- budet kan öka risken för penning- tvätt eller finansiering av terror- ism.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 16px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p1106 ft4">3. de uppgifter som anges i 17 § andra stycket.</P>
<P class="p213 ft50">Betaltjänstleverantören ska underrätta Finansinspektionen om vilken dag verksamheten genom ombudet påbörjas i det andra landet.</P>
<P class="p212 ft4">18 a §</P>
<P class="p1123 ft4">Inom en månad från det att en underrättelse enligt 18 § första eller tredje stycket togs emot ska Finansinspektionen lämna över den till den behöriga myndigheten i det land där ombudet ska verka.</P>
<P class="p630 ft4">Finansinspektionen ska inom tre månader från det att en under- rättelse enligt 18 § första stycket togs emot underrätta den behöriga myndigheten i det andra landet och betaltjänstleverantören om sitt beslut i fråga om registrering.</P>
</DIV>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_583" style="position:relative; overflow: hidden;margin: 47px 0px 77px 68px;padding: 0px;border: none;width: 505px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 505px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr22 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr22 td108"><P class="p90 ft4">Finansinspektionen</P></TD>
<TD class="tr22 td34"><P class="p74 ft4">ska</P></TD>
<TD colspan=2 class="tr22 td14"><P class="p42 ft41">vägra</P></TD>
<TD class="tr22 td198"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">att registrera ett ombud eller åter-</P></TD>
<TD class="tr15 td198"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">kalla en utförd registrering, om</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td53"><P class="p3 ft4">inspektionen</P></TD>
<TD class="tr16 td27"><P class="p177 ft4">har</P></TD>
<TD colspan=5 class="tr16 td176"><P class="p42 ft4">skälig anledning</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">att anta att penningtvätt eller</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td53"><P class="p3 ft4">finansiering</P></TD>
<TD class="tr16 td27"><P class="p177 ft4">av</P></TD>
<TD colspan=3 class="tr16 td103"><P class="p74 ft4">terrorism,</P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p42 ft41">eller</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft4">försök</P></TD>
<TD class="tr16 td33"><P style="text-align: center;padding-left: 5px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">till</P></TD>
<TD class="tr16 td173"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td81"><P class="p179 ft41">sådana</P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td136"><P class="p42 ft4">förfaranden,</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">förekommer eller har förekommit i</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">anknytning till ombudet, eller om</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">anlitandet av ombudet kan öka</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft4">risken</P></TD>
<TD colspan=2 class="tr15 td75"><P class="p130 ft4">för</P></TD>
<TD colspan=4 class="tr15 td205"><P class="p130 ft4">penningtvätt</P></TD>
<TD class="tr15 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p42 ft41">eller</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">finansiering av terrorism. Finans-</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td53"><P class="p3 ft4">inspektionen</P></TD>
<TD colspan=2 class="tr16 td81"><P class="p36 ft4">ska</P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft4">vid</P></TD>
<TD colspan=2 class="tr16 td14"><P class="p42 ft41">denna</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">bedömning beakta den information</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">som inspektionen tagit emot från</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">den behöriga myndigheten i det</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td175"><P class="p3 ft4">andra landet.</P></TD>
<TD class="tr15 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft4">Om Finansinspektionen vägrar att</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">registrera ett ombud enligt tredje</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">stycket och den behöriga myndig-</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">heten i det andra landet inte har</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">samma uppfattning i frågan om</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">huruvida det finns risk för pen-</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td153"><P class="p3 ft4">ningtvätt</P></TD>
<TD colspan=2 class="tr16 td66"><P class="p3 ft4">eller</P></TD>
<TD colspan=4 class="tr16 td53"><P class="p70 ft4">finansiering</P></TD>
<TD class="tr16 td23"><P class="p42 ft4">av</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">terrorism på grund av att ombudet</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">anlitas, ska inspektionen under-</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">rätta den myndigheten om skälen</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td53"><P class="p3 ft4">för beslutet.</P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr29 td174"><P class="p3 ft78">Svenska betalningsinstituts</P></TD>
<TD class="tr29 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr29"><P class="p3 ft69"><SPAN class="ft42">Svenska </SPAN>betaltjänstleverantörers</P></TD>
<TD class="tr29 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr20 td174"><P class="p3 ft78">filialverksamhet inom EES</P></TD>
<TD class="tr20 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr20 td276"><P class="p3 ft78">filialverksamhet inom EES</P></TD>
<TD class="tr20 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td135"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr29 td47"><P class="p216 ft3">19 §</P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p90 ft6">Ett</P></TD>
<TD colspan=3 class="tr16 td76"><P class="p1 ft7">betalningsinstitut</P></TD>
<TD class="tr16 td135"><P class="p217 ft6">som</P></TD>
<TD class="tr16 td20"><P class="p28 ft7">avser</P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">Ett betalningsinstitut som avser</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft3">att</P></TD>
<TD colspan=2 class="tr15 td62"><P class="p3 ft3">tillhandahålla</P></TD>
<TD colspan=3 class="tr15 td175"><P class="p28 ft3">betaltjänster</P></TD>
<TD colspan=5 class="tr15 td118"><P class="p146 ft3">att tillhandahålla</P></TD>
<TD class="tr15 td161"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td136"><P class="p42 ft7">betaltjänster</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">genom en filial i ett annat land</P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">genom en filial i ett annat land</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">inom EES ska underrätta Finans-</P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft5">inom EES ska underrätta Finans-</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td31"><P class="p3 ft3">inspektionen</P></TD>
<TD class="tr15 td135"><P class="p134 ft7">innan</P></TD>
<TD colspan=3 class="tr15 td175"><P class="p28 ft5">verksamheten</P></TD>
<TD colspan=3 class="tr15 td53"><P class="p146 ft7">inspektionen</P></TD>
<TD colspan=2 class="tr15 td81"><P class="p228 ft7">innan</P></TD>
<TD colspan=4 class="tr15 td15"><P class="p42 ft7">verksamheten</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4"><SPAN class="ft6">påbörjas. </SPAN>Underrättelsen ska inne-</P></TD>
<TD colspan=2 class="tr16 td153"><P class="p146 ft6">påbörjas.</P></TD>
<TD colspan=4 class="tr16 td125"><P class="p178 ft4">Detsamma</P></TD>
<TD colspan=2 class="tr16 td20"><P class="p90 ft41">gäller</P></TD>
<TD class="tr16 td23"><P class="p42 ft4">en</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft4">hålla</P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td53"><P class="p146 ft4">registrerad</P></TD>
<TD colspan=6 class="tr16 td168"><P class="p42 ft4">betaltjänstleverantör</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p90 ft4">1. en plan för den avsedda verk-</P></TD>
<TD class="tr15 td177"><P class="p146 ft4">som</P></TD>
<TD colspan=2 class="tr15 td75"><P class="p202 ft4">avser</P></TD>
<TD colspan=2 class="tr15 td81"><P class="p202 ft41">att</P></TD>
<TD colspan=4 class="tr15 td15"><P class="p42 ft41">tillhandahålla</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4">samheten med uppgift om filialens</P></TD>
<TD colspan=7 class="tr16 td276"><P class="p146 ft4">kontoinformationstjänster.</P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4">organisation och de tjänster som</P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft4">den avser att tillhandahålla, och</P></TD>
<TD class="tr15 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td31"><P class="p90 ft4">2. uppgifter</P></TD>
<TD class="tr16 td135"><P class="p202 ft4">om</P></TD>
<TD class="tr16 td151"><P class="p3 ft4">i</P></TD>
<TD class="tr16 td135"><P class="p217 ft41">vilket</P></TD>
<TD class="tr16 td20"><P class="p28 ft4">land</P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4">filialen ska inrättas samt om fili-</P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft4">alens adress och ansvariga led-</P></TD>
<TD class="tr15 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft4">ning.</P></TD>
<TD class="tr16 td14"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td31"><P class="p90 ft4">Innan</P></TD>
<TD colspan=4 class="tr16 td179"><P class="p28 ft4">Finansinspektionen</P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P style="text-align: center;padding-right: 19px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">Underrättelsen ska innehålla</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td31"><P class="p3 ft4">beslutar att</P></TD>
<TD colspan=4 class="tr15 td179"><P class="p28 ft4">registrera filialen</P></TD>
<TD colspan=4 class="tr15 td175"><P class="p36 ft4">1. uppgifter</P></TD>
<TD class="tr15 td67"><P class="p3 ft4">om</P></TD>
<TD class="tr15 td161"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td136"><P class="p42 ft4">betaltjänst-</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr20 td60"><P class="p3 ft4">enligt 8 kap. 5 §, ska inspektionen</P></TD>
<TD colspan=9 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr20"><P class="p146 ft4">leverantörens namn och adress,</P></TD>
<TD class="tr20 td198"><P class="p17 ft3">583</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_584" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 556px;">
<DIV style="position:absolute;top:372px;left:367px;width:189px;height:90px;"><SPAN class="ft5">Inom en månad från det att en underrättelse enligt 19 § </SPAN><SPAN class="ft41">första eller tredje stycket </SPAN><SPAN class="ft5">togs emot ska Finansinspektionen lämna över den till den behöriga myndigheten i det land där filialen ska inrättas.</SPAN></DIV>
<DIV style="position:absolute;top:464px;left:367px;width:189px;height:105px;"><SPAN class="ft41">Finansinspektionen ska inom tre månader från det att en under- rättelse enligt 19 § första stycket togs emot underrätta den behöriga myndigheten i det andra landet och betaltjänstleverantören om sitt beslut i fråga om registrering.</SPAN></DIV>
<DIV style="position:absolute;top:571px;left:367px;width:189px;height:195px;"><SPAN class="ft41">Finansinspektionen ska vägra att registrera en filial eller åter- kalla en utförd registrering, om inspektionen har skälig anledning att anta att penningtvätt eller finansiering av terrorism, eller försök till sådana förfaranden, förekommer eller har förekommit i anknytning till filialen, eller om inrättandet av filialen kan öka risken för penningtvätt eller finansiering av terrorism. Finans- inspektionen ska vid denna bedöm- ning beakta den information som</SPAN></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">584</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr2"><P class="p3 ft4">underrätta den behöriga myn-</P></TD>
<TD colspan=2 class="tr2 td55"><P class="p31 ft41">2. uppgift</P></TD>
<TD class="tr2 td9"><P class="p36 ft4">om i</P></TD>
<TD class="tr2 td135"><P class="p27 ft4">vilket</P></TD>
<TD class="tr2 td34"><P class="p17 ft4">land</P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">digheten i det andra landet.</P></TD>
<TD colspan=3 class="tr15 td96"><P class="p3 ft4">filialen ska inrättas,</P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">Underrättelsen ska innehålla upp-</P></TD>
<TD colspan=3 class="tr16 td96"><P class="p31 ft4">3. uppgifter om</P></TD>
<TD class="tr16 td135"><P class="p154 ft41">vilka</P></TD>
<TD class="tr16 td34"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td150"><P class="p3 ft4">gifterna</P></TD>
<TD class="tr16 td65"><P style="text-align: center;padding-right: 11px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">enligt</P></TD>
<TD class="tr16 td23"><P class="p71 ft4">första</P></TD>
<TD colspan=2 class="tr16 td208"><P class="p21 ft4">stycket.</P></TD>
<TD colspan=2 class="tr16 td55"><P class="p3 ft4">tjänster</P></TD>
<TD class="tr16 td9"><P class="p3 ft4">filialen</P></TD>
<TD class="tr16 td135"><P class="p17 ft4">avser</P></TD>
<TD class="tr16 td34"><P class="p17 ft4">att</P></TD>
</TR>
<TR>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">Finansinspektionen får</P></TD>
<TD class="tr15 td177"><P class="p3 ft4">vägra</P></TD>
<TD class="tr15 td164"><P class="p21 ft4">att</P></TD>
<TD colspan=3 class="tr15 td96"><P class="p3 ft4">tillhandahålla, och</P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">registrera en filial eller återkalla</P></TD>
<TD class="tr16 td81"><P class="p31 ft4">4. en</P></TD>
<TD colspan=2 class="tr16 td79"><P class="p41 ft4">beskrivning</P></TD>
<TD colspan=2 class="tr16 td53"><P class="p17 ft4">av filialens</P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">en utförd registrering, om den</P></TD>
<TD colspan=5 class="tr16 td250"><P class="p3 ft41">organisatoriska struktur och vilka</P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">behöriga myndigheten i det andra</P></TD>
<TD colspan=5 class="tr15 td250"><P class="p3 ft4">som är ansvariga för ledningen av</P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">landet har skälig anledning att</P></TD>
<TD colspan=2 class="tr16 td55"><P class="p3 ft4">filialen.</P></TD>
<TD class="tr16 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">anta att penningtvätt eller finan-</P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">siering av terrorism äger rum eller</P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">har ägt rum eller har försökt</P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td156"><P class="p3 ft4">genomföras i</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p3 ft4">anknytning</P></TD>
<TD class="tr16 td164"><P class="p21 ft41">till</P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">filialen, eller om anlitandet av</P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">filialen kan öka risken för pen-</P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td150"><P class="p3 ft4">ningtvätt</P></TD>
<TD class="tr16 td65"><P class="p94 ft41">eller</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p3 ft4">finansiering</P></TD>
<TD class="tr16 td164"><P class="p21 ft4">av</P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td150"><P class="p3 ft4">terrorism.</P></TD>
<TD class="tr20 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft46"> </P></TD>
<TD colspan=4 rowspan=2 class="tr31 td172"><P class="p31 ft4">Betaltjänstleverantören</P></TD>
<TD rowspan=2 class="tr31 td34"><P class="p17 ft4">ska</P></TD>
</TR>
<TR>
<TD class="tr30 td150"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td65"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td23"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td177"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td164"><P class="p3 ft47"> </P></TD>
</TR>
<TR>
<TD class="tr15 td150"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td250"><P class="p3 ft41">underrätta Finansinspektionen om</P></TD>
</TR>
<TR>
<TD class="tr15 td150"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft4">vilken</P></TD>
<TD class="tr15 td27"><P class="p3 ft4">dag</P></TD>
<TD colspan=2 class="tr15 td210"><P class="p154 ft4">verksamheten</P></TD>
<TD class="tr15 td34"><P class="p17 ft4">genom</P></TD>
</TR>
<TR>
<TD class="tr16 td150"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td250"><P class="p3 ft4">filialen påbörjas i det andra</P></TD>
</TR>
<TR>
<TD class="tr20 td150"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td65"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td177"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft4">landet</P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td9"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 12px;padding-right: 185px;margin-top: 9px;margin-bottom: 0px;text-indent: 174px;" class="ft76">20 § Inom en månad från det att en</P>
<P style="text-align: justify;padding-right: 200px;margin-top: 0px;margin-bottom: 0px;" class="ft124">underrättelse enligt 19 § togs emot ska Finansinspektionen lämna över den till den behöriga myndigheten i det land där filialen ska inrättas.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_585" style="position:relative; overflow: hidden;margin: 47px 0px 78px 68px;padding: 0px;border: none;width: 505px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 505px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr22 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr22 td18"><P class="p3 ft4">inspektionen</P></TD>
<TD colspan=4 class="tr22 td137"><P class="p3 ft4">tagit emot från</P></TD>
<TD class="tr22 td23"><P class="p42 ft4">den</P></TD>
<TD class="tr22 td198"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">behöriga myndigheten i det andra</P></TD>
<TD class="tr15 td198"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td153"><P class="p3 ft4">landet.</P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td66"><P class="p90 ft4">Om</P></TD>
<TD colspan=7 class="tr16 td155"><P class="p42 ft4">Finansinspektionen vägrar</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">att registrera en filial enligt andra</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">stycket och den behöriga myndig-</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">heten i det andra landet inte har</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">samma uppfattning i frågan om</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">huruvida det finns risk för pen-</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td153"><P class="p3 ft4">ningtvätt</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p3 ft4">eller</P></TD>
<TD colspan=3 class="tr16 td141"><P class="p180 ft41">finansiering</P></TD>
<TD class="tr16 td23"><P class="p42 ft4">av</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">terrorism på grund av att filialen</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td18"><P class="p3 ft4">inrättas, ska</P></TD>
<TD colspan=5 class="tr16 td134"><P class="p42 ft4">Finansinspektionen</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td153"><P class="p3 ft4">underrätta</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p74 ft4">den</P></TD>
<TD colspan=3 class="tr16 td141"><P class="p177 ft41">myndigheten</P></TD>
<TD class="tr16 td23"><P class="p42 ft4">om</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr20 td96"><P class="p3 ft4">skälen för beslutet.</P></TD>
<TD class="tr20 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr29 td117"><P class="p3 ft69"><SPAN class="ft42">Svenska </SPAN>betalningsinstituts</P></TD>
<TD class="tr29 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr29"><P class="p3 ft69"><SPAN class="ft42">Svenska </SPAN>betaltjänstleverantörers</P></TD>
<TD class="tr29 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft42">gränsöverskridande verksamhet</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft78">gränsöverskridande verksamhet</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr20 td146"><P class="p3 ft42">inom EES</P></TD>
<TD class="tr20 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr20 td153"><P class="p3 ft78">inom EES</P></TD>
<TD class="tr20 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td74"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr29 td62"><P class="p22 ft3">21 §</P></TD>
<TD class="tr29 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td163"><P class="p90 ft5">Ett betalningsinstitut</P></TD>
<TD class="tr16 td74"><P class="p218 ft6">som</P></TD>
<TD class="tr16 td82"><P class="p62 ft7">avser</P></TD>
<TD class="tr16 td66"><P class="p90 ft6">Ett</P></TD>
<TD colspan=5 class="tr16 td169"><P class="p198 ft7">betalningsinstitut som</P></TD>
<TD colspan=2 class="tr16 td14"><P class="p42 ft6">avser</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft6">att</P></TD>
<TD class="tr16 td180"><P class="p70 ft6">från</P></TD>
<TD class="tr16 td125"><P class="p90 ft6">Sverige</P></TD>
<TD colspan=3 class="tr16 td76"><P class="p62 ft6">tillhandahålla</P></TD>
<TD colspan=2 class="tr16 td153"><P class="p3 ft6">att från</P></TD>
<TD colspan=3 class="tr16 td50"><P class="p242 ft6">Sverige</P></TD>
<TD colspan=3 class="tr16 td87"><P class="p42 ft7">tillhandahålla</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">betaltjänster i ett annat land inom</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">betaltjänster i ett annat land inom</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">EES ska underrätta Finansinspek-</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">EES ska underrätta Finansinspek-</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">tionen innan verksamheten på-</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">tionen innan verksamheten på-</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft4"><SPAN class="ft3">börjas. </SPAN>Underrättelsen ska inne-</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4"><SPAN class="ft3">börjas. </SPAN>Detsamma gäller en regist-</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td46"><P class="p3 ft4">hålla</P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft4">rerad</P></TD>
<TD colspan=5 class="tr16 td169"><P class="p198 ft4">betaltjänstleverantör</P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p42 ft4">som</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p90 ft4">1. en plan för den avsedda verk-</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">avser att tillhandahålla konto-</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft4">samheten med uppgift om de tjäns-</P></TD>
<TD colspan=5 class="tr15 td96"><P class="p3 ft4">informationstjänster.</P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft4">ter</P></TD>
<TD class="tr16 td180"><P class="p3 ft4">som</P></TD>
<TD colspan=3 class="tr16 td63"><P class="p217 ft41">betalningsinstitutet</P></TD>
<TD class="tr16 td82"><P class="p62 ft4">avser</P></TD>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td163"><P class="p3 ft4">att tillhandahålla, och</P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td146"><P class="p90 ft4">2. uppgifter om</P></TD>
<TD class="tr15 td69"><P class="p3 ft4">i</P></TD>
<TD class="tr15 td74"><P class="p218 ft41">vilket</P></TD>
<TD class="tr15 td82"><P class="p62 ft4">land</P></TD>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr28 td117"><P class="p3 ft4">verksamheten ska bedrivas.</P></TD>
<TD class="tr28 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 rowspan=2 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr27"><P class="p90 ft4">Underrättelsen ska innehålla</P></TD>
<TD class="tr28 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr30 td27"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td180"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td125"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td69"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td74"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td82"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td198"><P class="p3 ft47"> </P></TD>
</TR>
<TR>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr28 td18"><P class="p90 ft4">1. uppgifter</P></TD>
<TD colspan=2 class="tr28 td65"><P class="p217 ft4">om</P></TD>
<TD colspan=3 class="tr28 td87"><P class="p42 ft4">betaltjänst-</P></TD>
<TD class="tr28 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">leverantörens namn och adress,</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td18"><P class="p90 ft4">2. uppgift</P></TD>
<TD class="tr16 td33"><P class="p146 ft4">om</P></TD>
<TD class="tr16 td33"><P class="p217 ft4">i</P></TD>
<TD class="tr16 td81"><P class="p129 ft4">vilket</P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p42 ft41">land</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td18"><P class="p3 ft4">leverantören</P></TD>
<TD class="tr15 td33"><P class="p146 ft4">ska</P></TD>
<TD colspan=2 class="tr15 td149"><P class="p76 ft4">driva sin</P></TD>
<TD colspan=2 class="tr15 td14"><P class="p42 ft4">verk-</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td18"><P class="p3 ft4">samhet, och</P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td18"><P class="p90 ft4">3. uppgifter</P></TD>
<TD colspan=2 class="tr16 td65"><P class="p308 ft4">om</P></TD>
<TD class="tr16 td81"><P class="p346 ft41">vilka</P></TD>
<TD colspan=2 class="tr16 td14"><P class="p42 ft41">betal-</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">tjänster leverantören avser att till-</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr28 td18"><P class="p3 ft4">handahålla.</P></TD>
<TD class="tr28 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr27 td117"><P class="p3 ft69"><SPAN class="ft42">Svenska </SPAN>betalningsinstituts</P></TD>
<TD class="tr27 td82"><P class="p3 ft46"> </P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr27"><P class="p3 ft69"><SPAN class="ft42">Svenska </SPAN>betaltjänstleverantörers</P></TD>
<TD class="tr27 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr20 td60"><P class="p3 ft42">filialverksamhet utanför EES</P></TD>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr20"><P class="p3 ft42">filialverksamhet utanför EES</P></TD>
<TD class="tr20 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td125"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td74"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr29 td62"><P class="p22 ft3">23 §</P></TD>
<TD class="tr29 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td81"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=14 class="tr16 td329"><P class="p90 ft5">Ett betalningsinstitut får efter tillstånd av Finansinspektionen inrätta en</P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=12 style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">filial i ett land utanför EES. Ansökan om tillstånd ska innehålla</P></TD>
<TD class="tr16 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=14 class="tr15 td329"><P class="p90 ft3">1. en plan för den avsedda verksamheten med uppgifter om filialens</P></TD>
<TD class="tr15 td198"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=12 style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr28"><P class="p3 ft5">organisation och de tjänster som den avser att tillhandahålla, och</P></TD>
<TD class="tr28 td4"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td23"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td198"><P class="p17 ft3">585</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_586" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">586</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p213 ft3">2. uppgifter om i vilket land filialen ska inrättas, om filialens adress och ansvariga ledning.</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr28 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td58"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr28 td72"><P class="p17 ft4">Första stycket gäller även en</P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td103"><P class="p3 ft4">registrerad</P></TD>
<TD colspan=4 class="tr16 td163"><P class="p27 ft4">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft41">som avser att endast tillhandahålla</P></TD>
</TR>
<TR>
<TD class="tr28 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td58"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr28 td266"><P class="p3 ft4">kontoinformationstjänster.</P></TD>
<TD class="tr28 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td126"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr27 td28"><P style="text-align: right;padding-right: 60px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">24 §</P></TD>
<TD class="tr27 td55"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft5">Betalningsinstitut och registrerade</P></TD>
<TD colspan=3 class="tr16 td266"><P class="p31 ft6">Betalningsinstitut och</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p27 ft7">regist-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td265"><P class="p3 ft6">betaltjänstleverantörer</P></TD>
<TD class="tr16 td126"><P class="p3 ft6">ska</P></TD>
<TD class="tr16 td58"><P class="p21 ft7">säker-</P></TD>
<TD colspan=4 class="tr16 td216"><P class="p3 ft5">rerade betaltjänstleverantörer</P></TD>
<TD class="tr16 td105"><P class="p17 ft6">ska</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft3">ställa att ombud som agerar för</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft5">säkerställa att ombud som agerar</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">deras räkning informerar betal-</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft5">för deras räkning informerar betal-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft5">tjänstanvändarna om detta förhål-</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft5">tjänstanvändarna om detta förhål-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td136"><P class="p3 ft3">lande.</P></TD>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft4"><SPAN class="ft3">lande. </SPAN>Detta gäller inte för konto-</P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td46"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td134"><P class="p3 ft4">informationstjänster.</P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft5">Ett betalningsinstitut som <SPAN class="ft41">bedriv-</SPAN></P></TD>
<TD colspan=2 class="tr16 td134"><P class="p31 ft5">Ett betalningsinstitut</P></TD>
<TD class="tr16 td126"><P class="p177 ft7">som</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p17 ft4">driver</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft7"><SPAN class="ft72">er </SPAN>betaltjänstverksamhet genom en</P></TD>
<TD colspan=2 class="tr15 td134"><P class="p3 ft3">betaltjänstverksamhet</P></TD>
<TD colspan=2 class="tr15 td34"><P class="p3 ft7">genom</P></TD>
<TD class="tr15 td105"><P class="p17 ft3">en</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">filial enligt detta kapitel ska</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p27 ft6">filial enligt detta kapitel ska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td136"><P class="p3 ft5">säkerställa att</P></TD>
<TD class="tr16 td58"><P class="p74 ft6">filialen</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p21 ft6">informerar</P></TD>
<TD class="tr16 td103"><P class="p3 ft6">säkerställa</P></TD>
<TD class="tr16 td55"><P class="p3 ft6">att filialen</P></TD>
<TD colspan=3 class="tr16 td149"><P class="p17 ft6">informerar</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td265"><P class="p3 ft3">betaltjänstanvändarna</P></TD>
<TD class="tr15 td126"><P class="p146 ft3">om</P></TD>
<TD class="tr15 td58"><P class="p21 ft3">detta</P></TD>
<TD colspan=2 class="tr15 td134"><P class="p3 ft3">betaltjänstanvändarna</P></TD>
<TD class="tr15 td126"><P class="p179 ft7">om</P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p17 ft7">detta</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td136"><P class="p3 ft3">förhållande.</P></TD>
<TD class="tr20 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td103"><P class="p3 ft7">förhållande.</P></TD>
<TD class="tr20 td55"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td28"><P style="text-align: right;padding-right: 60px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">25 §</P></TD>
<TD class="tr29 td55"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">Om ett betalningsinstitut eller en</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft6">Om ett betalningsinstitut eller en</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td136"><P class="p3 ft6">registrerad</P></TD>
<TD colspan=3 class="tr16 td163"><P class="p21 ft7">betaltjänstleverantör</P></TD>
<TD class="tr16 td103"><P class="p3 ft6">registrerad</P></TD>
<TD colspan=4 class="tr16 td163"><P class="p27 ft6">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft3">avser att ändra den verksamhet</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft3">avser att ändra den verksamhet</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">som avses i <NOBR>17<SPAN class="ft4">–</SPAN>19,</NOBR> 21 eller 23 §</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p27 ft6">som avses i 17<SPAN class="ft4">, 18, </SPAN>19, 21 eller</P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft6">ska</P></TD>
<TD class="tr16 td46"><P class="p3 ft6">institutet</P></TD>
<TD colspan=3 class="tr16 td163"><P class="p21 ft6">eller leverantören</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft7">23 § ska institutet eller leverantören</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td136"><P class="p3 ft3">underrätta</P></TD>
<TD colspan=3 class="tr15 td163"><P class="p21 ft5">Finansinspektionen</P></TD>
<TD class="tr15 td103"><P class="p3 ft3">underrätta</P></TD>
<TD colspan=4 class="tr15 td163"><P class="p17 ft3">Finansinspektionen</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td187"><P class="p3 ft5">innan ändringen genomförs.</P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td266"><P class="p3 ft7">innan ändringen genomförs.</P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">Om ändringen rör ett betalnings-</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft6">Om ändringen rör ett betalnings-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft3">instituts verksamhet i ett annat</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft3">instituts verksamhet i ett annat</P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft6">land,</P></TD>
<TD class="tr16 td46"><P class="p191 ft6">ska</P></TD>
<TD colspan=3 class="tr16 td163"><P class="p21 ft5">Finansinspektionen</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p27 ft7">land, ska Finansinspektionen <SPAN class="ft72">inom</SPAN></P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">underrätta den behöriga myndig-</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft4">en månad från det att under-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p21 ft3">heten i det andra landet om änd-</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft4">rättelsen togs emot <SPAN class="ft3">underrätta den</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td136"><P class="p3 ft6">ringen.</P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td126"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft5">behöriga myndigheten i det andra</P></TD>
</TR>
<TR>
<TD class="tr20 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td58"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td134"><P class="p3 ft3">landet om ändringen.</P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p220 ft3">26 §</P>
<P class="p213 ft3">Ett utländskt företag som hör hemma inom EES och som i hemlandet har tillstånd att tillhandahålla betaltjänster behöver inte tillstånd enligt 2 kap. för att tillhandahålla betaltjänster i Sverige.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Ett utländskt företag som har undantagits från tillståndsplikt för att tillhandahålla betaltjänster enligt nationella bestämmelser som genomför betaltjänstdirektivet behöver inte tillstånd enligt 2 kap. för att tillhandahålla kontoinfor- mationstjänster i Sverige.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_587" style="position:relative; overflow: hidden;margin: 47px 0px 78px 68px;padding: 0px;border: none;width: 505px;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 499px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 3px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft5">Ett utländskt företag som avses i första <SPAN class="ft41">stycket </SPAN>får tillhandahålla betaltjänster genom ombud eller filial i Sverige<SPAN class="ft41">, </SPAN>efter det att Finansinspektionen har tagit emot <SPAN class="ft41">en underrättelse </SPAN>från den behöriga myndigheten i <SPAN class="ft41">företagets hemland som innehåller</SPAN></P>
<P style="text-align: justify;padding-right: 1px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft52">en plan för den avsedda verksamheten med uppgift om om- budets eller filialens organisation och de tjänster som ombudet eller filialen avser att tillhandahålla, och</SPAN></P>
<P style="text-align: justify;padding-right: 1px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft50"><SPAN class="ft4">2.</SPAN><SPAN class="ft49">uppgifter om ombudets eller filialens adress och ansvariga ledning.</SPAN></P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 16px;padding: 0px;border:none;width: 294px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 294px;font: 13px 'Arial';">
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr22"><P class="p42 ft5">Ett utländskt företag som avses i</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft4"><SPAN class="ft3">första </SPAN>och andra styckena <SPAN class="ft3">får</SPAN></P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft5">tillhandahålla betaltjänster genom</P></TD>
<TD class="tr16 td175"><P class="p3 ft66"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">ombud eller filial i Sverige efter</P></TD>
<TD class="tr16 td175"><P class="p3 ft66"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft7">det att Finansinspektionen har tagit</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">emot <SPAN class="ft4">ett beslut </SPAN>från den behöriga</P></TD>
<TD class="tr16 td175"><P class="p3 ft66"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">myndigheten i <SPAN class="ft4">det land där</SPAN></P></TD>
<TD class="tr16 td175"><P class="p3 ft66"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft4">företaget hör hemma om att</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft4">ombudet eller filialen har registre-</P></TD>
<TD class="tr16 td175"><P class="p3 ft66"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr20"><P style="text-align: right;padding-right: 67px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">rats av den myndigheten.</P></TD>
<TD class="tr20 td175"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV style="border:none;margin: 9px 0px 0px 0px;padding: 0px;border:none;width: 505px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 505px;font: italic 13px 'Times New Roman';">
<TR>
<TD colspan=2 class="tr2 td257"><P class="p216 ft3">27 §</P></TD>
<TD class="tr2 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td103"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft4">Ett utländskt företag som avses i</P></TD>
<TD class="tr15 td177"><P class="p90 ft4">När</P></TD>
<TD colspan=6 class="tr15 td95"><P class="p181 ft4">Finansinspektionen</P></TD>
<TD class="tr15 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td103"><P class="p661 ft41">har</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft4">26 § första stycket får tillhanda-</P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">tagit emot en underrättelse från en</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft4">hålla betaltjänster i Sverige från</P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">myndighet i ett annat land inom</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft4">sitt hemland så snart Finans-</P></TD>
<TD colspan=9 class="tr15 td192"><P class="p3 ft4">EES om att ett utländskt företag</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft4">inspektionen har tagit emot en</P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">avser att tillhandahålla betal-</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft4">underrättelse från behörig myn-</P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">tjänster i Sverige, ska inspektionen</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft4">dighet i företagets hemland som</P></TD>
<TD colspan=9 class="tr15 td192"><P class="p3 ft4">inom en månad lämna relevanta</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft4">anger vilka tjänster betalnings-</P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">uppgifter till den behöriga myndig-</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft41">institutet avser att tillhandahålla i</P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">heten i det andra landet om det</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P style="text-align: right;padding-right: 162px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">Sverige.</P></TD>
<TD colspan=2 class="tr15 td153"><P class="p3 ft4">utländska</P></TD>
<TD colspan=3 class="tr15 td125"><P class="p74 ft4">företagets</P></TD>
<TD class="tr15 td173"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td113"><P class="p661 ft4">planerade</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td108"><P class="p3 ft4">tillhandahållande av</P></TD>
<TD colspan=4 class="tr16 td28"><P class="p661 ft41">betaltjänster</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">här i landet. Om betaltjänster ska</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td210"><P class="p3 ft4">tillhandahållas</P></TD>
<TD colspan=2 class="tr15 td14"><P class="p1 ft4">genom</P></TD>
<TD colspan=3 class="tr15 td113"><P class="p661 ft4">ett ombud</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">eller en filial, ska det av under-</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">rättelsen framgå om Finans-</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td192"><P class="p3 ft4">inspektionen har skälig anledning</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">att anta att penningtvätt eller</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td53"><P class="p3 ft4">finansiering</P></TD>
<TD class="tr16 td11"><P class="p803 ft4">av</P></TD>
<TD colspan=3 class="tr16 td138"><P class="p181 ft4">terrorism,</P></TD>
<TD colspan=2 class="tr16 td138"><P class="p661 ft4">eller</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft4">försök</P></TD>
<TD class="tr15 td33"><P class="p74 ft41">till</P></TD>
<TD class="tr15 td173"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td46"><P class="p3 ft4">sådana</P></TD>
<TD colspan=4 class="tr15 td28"><P class="p661 ft4">förfaranden,</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">förekommer eller har förekommit i</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">anknytning till filialen eller ombu-</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td192"><P class="p3 ft4">det, eller om anlitandet av filialen</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft4">eller ombudet kan öka risken för</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td53"><P class="p3 ft4">penningtvätt</P></TD>
<TD colspan=5 class="tr16 td198"><P class="p146 ft4">eller finansiering</P></TD>
<TD class="tr16 td103"><P class="p661 ft4">av</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr20 td153"><P class="p3 ft4">terrorism.</P></TD>
<TD class="tr20 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td103"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr29 td257"><P class="p216 ft3">28 §</P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td103"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">Ett betalningsinstitut eller en</P></TD>
<TD class="tr15 td177"><P class="p90 ft3">Ett</P></TD>
<TD colspan=5 class="tr15 td175"><P class="p134 ft7">betalningsinstitut</P></TD>
<TD colspan=2 class="tr15 td142"><P class="p75 ft3">eller</P></TD>
<TD class="tr15 td103"><P class="p661 ft3">en</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft7">registrerad betaltjänstleverantör får</P></TD>
<TD colspan=2 class="tr16 td153"><P class="p3 ft5">registrerad</P></TD>
<TD colspan=6 class="tr16 td121"><P class="p146 ft7">betaltjänstleverantör</P></TD>
<TD class="tr16 td103"><P class="p661 ft6">får</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft6">uppdra åt någon annan att utföra</P></TD>
<TD colspan=9 class="tr16 td192"><P class="p3 ft6">uppdra åt någon annan att utföra ett</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft7">ett visst arbete eller vissa operativa</P></TD>
<TD colspan=9 class="tr15 td192"><P class="p3 ft3">visst arbete eller vissa operativa</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p62 ft3">funktioner som ingår i dess verk-</P></TD>
<TD colspan=2 class="tr28 td153"><P class="p3 ft3">funktioner</P></TD>
<TD colspan=2 class="tr28 td180"><P class="p3 ft3">som</P></TD>
<TD class="tr28 td66"><P class="p3 ft3">ingår</P></TD>
<TD class="tr28 td173"><P class="p1 ft3">i</P></TD>
<TD class="tr28 td68"><P style="font: 10px 'Arial';line-height: 13px;" class="p217">dess</P></TD>
<TD colspan=2 class="tr28 td138"><P class="p661 ft3">verk-</P></TD>
<TD class="tr28 td78"><P class="p17 ft3">587</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV id="page_588" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">588</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=3 class="tr2 td60"><P class="p3 ft3">samhet med betaltjänster. Betal-</P></TD>
<TD class="tr2 td72"><P class="p3 ft3">samhet med betaltjänster. Betal-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft3">ningsinstitutet eller den regist-</P></TD>
<TD class="tr15 td72"><P class="p3 ft7">ningsinstitutet eller den registrerade</P></TD>
</TR>
<TR>
<TD class="tr16 td65"><P class="p3 ft6">rerade</P></TD>
<TD class="tr16 td265"><P class="p3 ft6">betaltjänstleverantören</P></TD>
<TD class="tr16 td74"><P class="p21 ft7">ska</P></TD>
<TD class="tr16 td72"><P class="p3 ft7">betaltjänstleverantören ska anmäla</P></TD>
</TR>
<TR>
<TD class="tr16 td65"><P class="p3 ft6">anmäla</P></TD>
<TD class="tr16 td265"><P class="p74 ft5">sådana uppdragsavtal</P></TD>
<TD class="tr16 td74"><P class="p21 ft6">till</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">sådana uppdragsavtal till Finans-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td131"><P class="p3 ft3">Finansinspektionen.</P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td72"><P class="p3 ft4"><SPAN class="ft3">inspektionen. </SPAN>En sådan anmälan</P></TD>
</TR>
<TR>
<TD class="tr16 td65"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td265"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft4">behöver inte göras när det gäller</P></TD>
</TR>
<TR>
<TD class="tr16 td65"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td265"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft4">kontoinformationstjänster.</P></TD>
</TR>
</TABLE>
<P class="p463 ft70">Uppdrag åt någon annan att utföra sådana funktioner som är av väsent- lig betydelse för betaltjänstverksamheten får bara ges om betalnings- institutet eller den registrerade betaltjänstleverantören ansvarar för att</P>
<P class="p462 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">verksamheten drivs av uppdragstagaren under kontrollerade och säkerhetsmässigt betryggande former, och</SPAN></P>
<P class="p1183 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">uppdraget inte väsentligt försämrar kvaliteten på betalningsinsti- tutets eller den registrerade betaltjänstleverantörens internkontroll och Finansinspektionens möjligheter att övervaka att betalningsinstitutet eller den registrerade betaltjänstleverantören följer de regler som gäller för verksamheten.</SPAN></P>
<P class="p231 ft4">28 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om ett betalningsinstitut eller en registrerad betaltjänstleverantör avser att ändra den verksamhet som avses i 28 §, ska institutet eller leverantören anmäla detta till Finansinspektionen innan ändring- en genomförs.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Om ändringen rör ett betalnings- instituts verksamhet i ett annat land inom EES, ska Finansinspektionen inom en månad från det att under- rättelsen togs emot underrätta den behöriga myndigheten i det andra landet om ändringen.</P>
<P style="text-align: justify;padding-left: 180px;margin-top: 15px;margin-bottom: 0px;" class="ft42"><SPAN class="ft115">4</SPAN><SPAN style="font: bold 13px 'Arial';margin-left: 4px;line-height: 16px;">kap.</SPAN></P>
<P style="text-align: justify;padding-left: 189px;margin-top: 0px;margin-bottom: 0px;" class="ft3">2 §</P>
<P style="text-align: left;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft40">Om betalningsmottagaren erbjuder en nedsättning av en avgift vid användning av ett visst betalningsinstrument, ska mottagaren informera</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 13px 'Arial';">
<TR>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 306px;vertical-align: bottom;" class="tr15"><P class="p3 ft7">betalaren om detta innan betalningstransaktionen påbörjas.</P></TD>
<TD class="tr15 td210"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p31 ft6">Om</P></TD>
<TD class="tr16 td187"><P class="p21 ft6">en betaltjänstleverantör</P></TD>
<TD class="tr16 td58"><P class="p31 ft6">Om</P></TD>
<TD colspan=2 class="tr16 td147"><P class="p17 ft6">en betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">begär en avgift vid användning av</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p3 ft3">begär en avgift vid användning av</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft6">ett visst</P></TD>
<TD class="tr16 td187"><P class="p21 ft7">betalningsinstrument, ska</P></TD>
<TD class="tr16 td58"><P class="p3 ft6">ett visst</P></TD>
<TD colspan=2 class="tr16 td147"><P class="p17 ft7">betalningsinstrument, ska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">denne informera betaltjänstanvänd-</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft7">denne informera betaltjänstanvänd-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">aren om <SPAN class="ft4">detta </SPAN>innan betalnings-</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p3 ft41"><SPAN class="ft5">aren om </SPAN>det sammanlagda avgifts-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">transaktionen påbörjas.</P></TD>
<TD class="tr16 td58"><P class="p3 ft4">beloppet</P></TD>
<TD colspan=2 class="tr16 td147"><P class="p17 ft5">innan betalningstransak-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td187"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft6">tionen</P></TD>
<TD class="tr16 td80"><P class="p72 ft7">påbörjas.</P></TD>
<TD class="tr16 td210"><P class="p27 ft4">Om sådan</P></TD>
</TR>
<TR>
<TD class="tr15 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td187"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td72"><P class="p3 ft4">information inte lämnas är betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td187"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td167"><P class="p3 ft4">tjänstanvändaren</P></TD>
<TD class="tr16 td210"><P class="p17 ft4">inte skyldig att</P></TD>
</TR>
<TR>
<TD class="tr20 td58"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td187"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td167"><P class="p3 ft4">betala avgiften.</P></TD>
<TD class="tr20 td210"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_589" style="position:relative; overflow: hidden;margin: 48px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr2 td61"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td17"><P class="p3 ft3">3 §</P></TD>
<TD class="tr2 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td68"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td61"><P class="p17 ft3">Om valutaväxling erbjuds före</P></TD>
<TD class="tr15 td17"><P class="p235 ft3">Om valutaväxling</P></TD>
<TD class="tr15 td20"><P class="p71 ft7">erbjuds</P></TD>
<TD class="tr15 td68"><P class="p17 ft3">före</P></TD>
</TR>
<TR>
<TD class="tr16 td61"><P class="p17 ft5">påbörjandet av betalningstransak-</P></TD>
<TD colspan=3 class="tr16 td60"><P class="p191 ft5">påbörjandet av betalningstransak-</P></TD>
</TR>
<TR>
<TD class="tr16 td61"><P class="p17 ft6">tionen <SPAN class="ft4">och </SPAN>på platsen för försälj-</P></TD>
<TD colspan=3 class="tr16 td60"><P class="p191 ft5">tionen på platsen för försäljningen</P></TD>
</TR>
<TR>
<TD class="tr15 td61"><P class="p17 ft3">ningen eller av betalningsmot-</P></TD>
<TD colspan=3 class="tr15 td60"><P class="p191 ft7">eller av betalningsmottagaren <SPAN class="ft72">eller i</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td61"><P class="p17 ft6">tagaren, ska den som erbjuder</P></TD>
<TD colspan=3 class="tr16 td60"><P class="p191 ft4">en uttagsautomat<SPAN class="ft6">, ska den som</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td61"><P class="p17 ft6">betalaren denna tjänst informera</P></TD>
<TD class="tr16 td17"><P class="p191 ft6">erbjuder betalaren</P></TD>
<TD class="tr16 td20"><P class="p3 ft6">denna</P></TD>
<TD class="tr16 td68"><P class="p17 ft7">tjänst</P></TD>
</TR>
<TR>
<TD class="tr15 td61"><P class="p17 ft3">betalaren om alla avgifter för</P></TD>
<TD colspan=3 class="tr15 td60"><P class="p191 ft3">informera betalaren om alla av-</P></TD>
</TR>
<TR>
<TD class="tr16 td61"><P class="p17 ft5">tjänsten samt den växelkurs som</P></TD>
<TD colspan=3 class="tr16 td60"><P class="p191 ft6">gifter för tjänsten samt <SPAN class="ft4">om </SPAN>den</P></TD>
</TR>
<TR>
<TD class="tr16 td61"><P class="p384 ft7">ska användas.</P></TD>
<TD colspan=2 class="tr16 td101"><P class="p191 ft7">växelkurs som ska användas.</P></TD>
<TD class="tr16 td68"><P class="p3 ft66"> </P></TD>
</TR>
</TABLE>
<P class="p514 ft3">Betalaren ska godkänna valutaväxlingstjänsten innan betalnings- transaktionen genomförs.</P>
<P style="text-align: left;padding-left: 205px;padding-right: 33px;margin-top: 13px;margin-bottom: 0px;" class="ft69">Information om konsumenters rättigheter</P>
<P style="text-align: left;padding-left: 205px;margin-top: 12px;margin-bottom: 0px;" class="ft4">3 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft4">En betaltjänstleverantör ska se till att informationsmaterial om konsumenters rättigheter som utarbetats av Europeiska kommis- sionen görs tillgängligt för betal- tjänstanvändare i enlighet med föreskrifter som har meddelats med stöd av 22 §.</P>
<P style="text-align: left;padding-left: 205px;margin-top: 16px;margin-bottom: 0px;" class="ft4">4 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Innan en betalningsorder initi- eras ska en leverantör av betal- ningsinitieringstjänster, utöver vad som anges i 4 §, informera betal- tjänstanvändaren om</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft50">1. leverantörens namn och adress samt besöksadressen till huvudkontoret,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft41">2. besöksadressen till leveran- törens ombud eller filial i det land inom EES där betaltjänsten er- bjuds, om tjänsterna tillhandahålls genom ombud eller filial,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">3. övriga kontaktuppgifter som är relevanta för kommunikation med leverantören, och</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft56">4. kontaktuppgifter till Finans- inspektionen.</P>
<P class="p231 ft4">4 b §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Innan ett avtal om ett enstaka tillhandahållande av en konto- informationstjänst ingås, ska en leverantör av kontoinformations-</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">589</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_590" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">590</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft50">tjänster informera betaltjänst- användaren om</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">1. vilka uppgifter användaren ska uppge för att kontoinforma- tionstjänsten ska kunna utföras korrekt,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft50">2. hur lång tid det längst tar att utföra tjänsten, och</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">3. det sammanlagda avgiftsbelop- pet som användaren ska betala till leverantören för tjänsten.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Leverantören ska också ge betaltjänstanvändaren detaljerad information om avgiftsbeloppet enligt första stycket 3, när de olika avgifterna lätt kan särskiljas och redovisas separat.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Leverantören ska också göra information enligt 10 § tillgänglig för användaren.</P>
<TABLE cellpadding=0 cellspacing=0 class="t34">
<TR>
<TD class="tr2 td60"><P class="p17 ft3">5 §</P></TD>
<TD class="tr2 td106"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td53"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft3">Information enligt 4 § ska till-</P></TD>
<TD class="tr15 td106"><P class="p31 ft3">Information</P></TD>
<TD class="tr15 td23"><P class="p3 ft3">enligt</P></TD>
<TD class="tr15 td53"><P class="p17 ft5"><NOBR>4<SPAN class="ft41">–4</SPAN></NOBR><SPAN class="ft41"> b §</SPAN>§ ska</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">handahållas på ett lättillgängligt</P></TD>
<TD class="tr16 td106"><P class="p3 ft5">tillhandahållas</P></TD>
<TD class="tr16 td23"><P class="p3 ft6">på ett</P></TD>
<TD class="tr16 td53"><P class="p17 ft5">lättillgängligt</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">sätt och vara tydlig och lätt att</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p27 ft6">sätt och vara tydlig och lätt att</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft7">förstå. Den ska vara på svenska eller</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p17 ft3">förstå. Den ska vara på svenska</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft7">på något annat språk som parterna</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft6">eller på något annat språk som</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p238 ft7">kommer överens om.</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft6">parterna kommer överens om.</P></TD>
</TR>
</TABLE>
<P class="p606 ft6">På begäran av betaltjänstanvändaren ska informationen tillhandahållas</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=6 class="tr20 td259"><P class="p3 ft3">på papper eller något annat varaktigt medium.</P></TD>
<TD class="tr20 td149"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 rowspan=2 class="tr37 td72"><P class="p17 ft3">Om ett avtal om en enstaka</P></TD>
<TD class="tr27 td158"><P class="p3 ft3">6 §</P></TD>
<TD class="tr27 td79"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td149"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td69"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p27 ft6">Om ett avtal om en enstaka</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td201"><P class="p3 ft6">betalningstransaktion</P></TD>
<TD colspan=2 class="tr16 td150"><P class="p17 ft6">ingås på</P></TD>
<TD colspan=3 class="tr16 td274"><P class="p148 ft6">betalningstransaktion ingås</P></TD>
<TD class="tr16 td69"><P class="p17 ft6">på</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td72"><P class="p3 ft5">distans på begäran av betaltjänst-</P></TD>
<TD colspan=4 class="tr15 td60"><P class="p17 ft3">distans på begäran av betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td72"><P class="p3 ft7">användaren, och detta gör att betal-</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p17 ft6">användaren, och detta gör att betal-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td72"><P class="p3 ft6">tjänstleverantören inte kan upp-</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p17 ft6">tjänstleverantören inte kan upp-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td72"><P class="p3 ft7">fylla kraven i 4 och 5 §§, ska dessa</P></TD>
<TD colspan=4 class="tr15 td60"><P class="p17 ft3">fylla kraven i 4, <SPAN class="ft4">4 a </SPAN>och 5 §§, ska</P></TD>
</TR>
<TR>
<TD class="tr16 td165"><P class="p3 ft6">krav i stället</P></TD>
<TD class="tr16 td166"><P class="p41 ft6">uppfyllas</P></TD>
<TD class="tr16 td105"><P class="p70 ft6">av</P></TD>
<TD class="tr16 td75"><P class="p17 ft7">denne</P></TD>
<TD class="tr16 td158"><P class="p148 ft6">dessa</P></TD>
<TD class="tr16 td79"><P class="p182 ft6">krav i stället</P></TD>
<TD class="tr16 td149"><P class="p70 ft6">uppfyllas</P></TD>
<TD class="tr16 td69"><P class="p27 ft6">av</P></TD>
</TR>
<TR>
<TD class="tr16 td165"><P class="p3 ft6">omedelbart</P></TD>
<TD class="tr16 td166"><P class="p3 ft6">efter det</P></TD>
<TD class="tr16 td105"><P class="p71 ft6">att</P></TD>
<TD class="tr16 td75"><P class="p17 ft6">betal-</P></TD>
<TD class="tr16 td158"><P class="p148 ft6">denne</P></TD>
<TD class="tr16 td79"><P class="p134 ft7">omedelbart</P></TD>
<TD class="tr16 td149"><P class="p3 ft6">efter det</P></TD>
<TD class="tr16 td69"><P class="p17 ft5">att</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td201"><P class="p3 ft7">tjänsten har genomförts.</P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td274"><P class="p148 ft3">betaltjänsten har genomförts.</P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td158"><P class="p3 ft3">7 §</P></TD>
<TD class="tr29 td79"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td149"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td72"><P class="p17 ft5">Så snart som möjligt efter det att</P></TD>
<TD colspan=4 class="tr15 td60"><P class="p27 ft3">Så snart som möjligt efter det att</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td72"><P class="p3 ft5">en betalningsorder har tagits emot</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p27 ft6">en betalningsorder har tagits emot</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td72"><P class="p3 ft7">ska betalarens betaltjänstleverantör</P></TD>
<TD colspan=4 class="tr16 td60"><P class="p17 ft4"><SPAN class="ft6">ska betalarens </SPAN>kontoförvaltande</P></TD>
</TR>
<TR>
<TD class="tr15 td165"><P class="p3 ft7">tillhandahålla</P></TD>
<TD class="tr15 td166"><P class="p31 ft7">betalaren</P></TD>
<TD colspan=2 class="tr15 td150"><P class="p17 ft3">följande</P></TD>
<TD colspan=2 class="tr15 td265"><P class="p148 ft5">betaltjänstleverantör</P></TD>
<TD colspan=2 class="tr15 td57"><P class="p17 ft3">tillhandahålla</P></TD>
</TR>
<TR>
<TD class="tr21 td165"><P class="p3 ft23">information:</P></TD>
<TD class="tr21 td166"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td105"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td75"><P class="p3 ft22"> </P></TD>
<TD colspan=3 class="tr21 td274"><P class="p148 ft23">betalaren följande information:</P></TD>
<TD class="tr21 td69"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p1084 ft5"><SPAN class="ft5">1.</SPAN><SPAN class="ft147">en uppgift som gör det möjligt att identifiera betalningstransaktionen samt, när det är lämpligt, uppgifter som avser betalningsmottagaren,</SPAN></P>
<P class="p461 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">transaktionens belopp i den valuta som används i betalningsordern,</SPAN></P>
</DIV>
</DIV>
</DIV>
<DIV id="page_591" style="position:relative; overflow: hidden;margin: 49px 0px 79px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P class="p514 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft48">det avgiftsbelopp som betalaren ska betala till leverantören för transaktionen, och</SPAN></P>
<P class="p79 ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft48">datum när betalningsordern togs emot.</SPAN></P>
<P class="p514 ft6">Leverantören ska även ge betalaren detaljerad information om avgifts- beloppet enligt första stycket 3, när de olika avgifterna lätt kan särskiljas och redovisas separat.</P>
<P class="p773 ft3">Om betalningstransaktionen innebär valutaväxling ska leverantören ge betalaren information om den faktiska växelkurs eller referensväxelkurs som ska gälla för transaktionen.</P>
<P class="p433 ft4">7 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft4">En leverantör av betalnings- initieringstjänster ska tillhandahålla betalaren följande information omedelbart efter det att en betal- ningsorder initierats:</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft50">1. en bekräftelse på att betal- ningsordern initierats med betala- rens kontoförvaltande betaltjänst- leverantör,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">2. en uppgift som gör det möjligt att identifiera betalningstransak- tionen,</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">3. den information som överförts tillsammans med betalnings- transaktionen,</P>
<P style="text-align: left;padding-left: 216px;margin-top: 0px;margin-bottom: 0px;" class="ft4">4. transaktionens belopp, och</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">5. det avgiftsbelopp som ska betalas till leverantören av betal- ningsinitieringstjänster för trans- aktionen.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 11px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Leverantören ska även ge betal- aren detaljerad information om avgiftsbeloppet enligt första stycket 5, när de olika avgifterna lätt kan särskiljas och redovisas separat.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Uppgift enligt första stycket 2 ska även göras tillgänglig för betalarens kontoförvaltande betal- tjänstleverantör.</P>
<P class="p433 ft4">8 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">En leverantör av betalnings- initieringstjänster ska tillhanda- hålla betalningsmottagaren följande information omedelbart efter det att en betalningsorder har initierats:</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft50">1. en uppgift som gör det möjligt för betalningsmottagaren att identifiera betalaren och betal-</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">591</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_592" style="position:relative; overflow: hidden;margin: 48px 0px 79px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">592</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 205px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p15 ft4">ningstransaktionen, och</P>
<P class="p288 ft56">2. den information som överförts tillsammans med betalningstrans- aktionen.</P>
</DIV>
<DIV style="border:none;margin: 8px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 18px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft64">Betaltjänstleverantören är inte skyldig att lämna eller göra infor- mation tillgänglig enligt <NOBR>4–8</NOBR> §§, om sådan information redan ges eller kommer att ges till betal- tjänstanvändaren på grundval av ett ramavtal mellan användaren och en annan betaltjänstleverantör.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 5px;padding: 0px;border:none;width: 268px;overflow: hidden;">
<P class="p15 ft3">9 §</P>
<P style="text-align: justify;padding-left: 11px;padding-right: 63px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft5">Betaltjänstleverantören är inte skyldig att lämna eller göra infor- mation tillgänglig enligt 4 <SPAN class="ft41">och </SPAN><NOBR><SPAN class="ft41">5</SPAN>–8</NOBR> §§, om sådan information redan ges eller kommer att ges till betaltjänstanvändaren på grundval av ett ramavtal mellan användaren och en annan betaltjänstleverantör.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 6px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr2 td206"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr2 td303"><P class="p229 ft3">10 §</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p21 ft3">I rimlig tid innan ett ramavtal</P></TD>
<TD class="tr15 td72"><P class="p17 ft3">I rimlig tid innan ett ramavtal</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p21 ft7"><SPAN class="ft72">sluts </SPAN>ska betaltjänstleverantören ge</P></TD>
<TD class="tr16 td72"><P class="p17 ft6"><SPAN class="ft4">ingås </SPAN>ska betaltjänstleverantören</P></TD>
</TR>
<TR>
<TD class="tr16 td206"><P class="p3 ft6">betaltjänstanvändaren</P></TD>
<TD class="tr16 td153"><P class="p21 ft6">följande</P></TD>
<TD class="tr16 td72"><P class="p17 ft5">ge betaltjänstanvändaren följande</P></TD>
</TR>
<TR>
<TD class="tr16 td206"><P class="p3 ft6">information:</P></TD>
<TD class="tr16 td153"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td72"><P style="text-align: right;padding-right: 122px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">information:</P></TD>
</TR>
</TABLE>
<P style="text-align: justify;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">leverantörens namn och adress och, i tillämpliga fall, adress till dess ombud eller filial,</SPAN></P>
<P style="text-align: justify;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft6"><SPAN class="ft5">2.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 2px;line-height: 15px;">uppgift om att leverantören har tillstånd att tillhandahålla betaltjänster och att leverantören, dess filialer och ombud har registrerats hos behörig myndighet,</SPAN></P>
<P style="text-align: justify;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft32">en beskrivning av det huvudsakliga innehållet i den betaltjänst som tillhandahålls,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=6 class="tr15 td60"><P class="p21 ft3">4. vilka uppgifter <SPAN class="ft4">som </SPAN>användaren</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft3">4. vilka uppgifter användaren ska</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">ska uppge för att en betalnings-</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft3">uppge för att en betalningsorder</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">order ska kunna utföras korrekt,</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft41">eller en kontoinformationstjänst <SPAN class="ft5">ska</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td136"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td30"><P class="p3 ft6">kunna utföras korrekt,</P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td166"><P class="p31 ft3">5. hur</P></TD>
<TD class="tr15 td11"><P class="p3 ft3">ett</P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td136"><P class="p154 ft7">godkännande</P></TD>
<TD class="tr15 td23"><P class="p21 ft3">att</P></TD>
<TD class="tr15 td73"><P class="p31 ft3">5. hur</P></TD>
<TD colspan=2 class="tr15 td90"><P class="p90 ft3">ett</P></TD>
<TD class="tr15 td57"><P class="p218 ft7">godkännande</P></TD>
<TD class="tr15 td70"><P class="p17 ft3">att</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td166"><P class="p3 ft7">genomföra</P></TD>
<TD colspan=2 class="tr16 td68"><P class="p93 ft6">en</P></TD>
<TD colspan=2 class="tr16 td209"><P class="p21 ft7">betalningstransak-</P></TD>
<TD class="tr16 td73"><P class="p3 ft4">initiera</P></TD>
<TD class="tr16 td13"><P class="p3 ft4">en</P></TD>
<TD colspan=2 class="tr16 td110"><P class="p154 ft41">betalningsorder</P></TD>
<TD class="tr16 td70"><P class="p27 ft41">eller</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft5">tion ges samt hur det kan återkallas</P></TD>
<TD colspan=2 class="tr16 td140"><P class="p3 ft6">genomföra</P></TD>
<TD class="tr16 td13"><P class="p3 ft6">en</P></TD>
<TD colspan=2 class="tr16 td167"><P class="p27 ft7">betalningstransak-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td155"><P class="p3 ft3">enligt 5 kap. <NOBR><SPAN class="ft4">13–15</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft7">tion ges samt hur det kan återkallas</P></TD>
</TR>
<TR>
<TD colspan=3 rowspan=2 class="tr31 td57"><P class="p31 ft3">6. när en</P></TD>
<TD colspan=2 rowspan=2 class="tr31 td115"><P class="p181 ft7">betalningsorder</P></TD>
<TD rowspan=2 class="tr31 td23"><P class="p21 ft3">ska</P></TD>
<TD colspan=4 class="tr16 td30"><P class="p3 ft6">enligt 5 kap. <NOBR><SPAN class="ft4">35–37</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p31 ft6">6. när</P></TD>
<TD class="tr16 td13"><P class="p70 ft6">en</P></TD>
<TD colspan=2 class="tr16 td110"><P class="p76 ft6">betalningsorder</P></TD>
<TD class="tr16 td70"><P class="p17 ft6">ska</P></TD>
</TR>
<TR>
<TD class="tr15 td164"><P class="p3 ft7">anses</P></TD>
<TD colspan=3 class="tr15 td154"><P class="p74 ft7">mottagen</P></TD>
<TD class="tr15 td136"><P class="p76 ft3">enligt 5 kap.</P></TD>
<TD class="tr15 td23"><P class="p21 ft4">9 <SPAN class="ft3">§</SPAN></P></TD>
<TD colspan=5 class="tr15 td72"><P class="p27 ft5">anses mottagen enligt 5 kap. <SPAN class="ft41">31 </SPAN>§</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td57"><P class="p3 ft5">första stycket,</P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td136"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td210"><P class="p3 ft6">första stycket,</P></TD>
<TD class="tr16 td57"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft6">7. tidpunkter för mottagande av</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p27 ft6">7. tidpunkter för mottagande av</P></TD>
</TR>
<TR>
<TD class="tr15 td164"><P class="p3 ft3">en</P></TD>
<TD class="tr15 td180"><P class="p3 ft7">order</P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td115"><P class="p42 ft3">enligt 5 kap.</P></TD>
<TD class="tr15 td23"><P class="p21 ft4">9 <SPAN class="ft3">§</SPAN></P></TD>
<TD colspan=5 class="tr15 td72"><P class="p27 ft3">en order enligt 5 kap. <SPAN class="ft4">31 </SPAN>§ <SPAN class="ft4">tredje</SPAN></P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6"><SPAN class="ft4">tredjestycket</SPAN>, om sådana har</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p27 ft5"><SPAN class="ft41">stycket</SPAN>, om sådana har fastställts</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td155"><P class="p3 ft6">fastställts av leverantören,</P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td210"><P class="p3 ft5">av leverantören,</P></TD>
<TD class="tr16 td57"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p21 ft3">8. hur lång tid det som längst tar</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p17 ft3">8. hur lång tid det som längst tar</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td155"><P class="p3 ft5">att genomföra en transaktion,</P></TD>
<TD class="tr16 td23"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td72"><P class="p27 ft5">att genomföra en transaktion <SPAN class="ft41">eller</SPAN></P></TD>
</TR>
<TR>
<TD class="tr21 td164"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td180"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td11"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td100"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td136"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td23"><P class="p3 ft22"> </P></TD>
<TD colspan=4 class="tr21 td30"><P class="p3 ft62">en kontoinformationstjänst<SPAN class="ft23">,</SPAN></P></TD>
<TD class="tr21 td70"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p604 ft6">9. möjligheten att avtala om begränsningar i användningen av betal- ningsinstrumentet enligt 19 §,</P>
<P style="text-align: justify;padding-left: 205px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft50">10. när det gäller kortbaserade betalningsinstrument, information om de rättigheter som följer av</P>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_593" style="position:relative; overflow: hidden;margin: 49px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 76px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p604 ft3"><SPAN class="ft4">10</SPAN>. vilka avgifter <SPAN class="ft4">som </SPAN>använd- aren ska betala till leverantören och, när det är tillämpligt, detalj- uppgifter om dessa,</P>
<P class="p145 ft70"><SPAN class="ft81">11</SPAN>. de räntor och växelkurser som ska tillämpas eller, om refe- rensräntesatser och referensväxel- kurser ska användas, metoden för beräkning av den faktiska räntan och relevant dag, index eller und- erlag för att bestämma referens- räntan eller referensväxelkursen,</P>
<P class="p145 ft64"><SPAN class="ft63">12</SPAN>. sådan omedelbar tillämpning av ändrade räntesatser eller växel- kurser som kan avtalas om enligt 14 § samt de informationskrav som är förenade med detta,</P>
<P class="p145 ft70"><SPAN class="ft81">13</SPAN>. i förekommande fall, de kommunikationsmedel som ska användas för överföring av information och underrättelser mellan parterna, inklusive tekniska krav på användarens utrustning,</P>
<P class="p604 ft6"><SPAN class="ft4">14</SPAN>. hur ofta och på vilket sätt <SPAN class="ft4">som </SPAN>information enligt denna lag ska lämnas till eller göras till- gänglig för användaren,</P>
<P class="p604 ft6"><SPAN class="ft4">15</SPAN>. vilket språk som ska användas i ramavtalet samt på vilket språk kommunikationen mellan leverantören och använd- aren ska ske,</P>
<P class="p822 ft3"><SPAN class="ft4">16</SPAN>. användarens rätt att få ram- avtalets villkor samt information enligt 13 §,</P>
<P class="p208 ft40"><SPAN class="ft39">17</SPAN>. de åtgärder som användaren ska vidta för att skydda betalnings- instrumentet och hur användaren ska anmäla att ett betalnings- instrument kommit bort eller obe- hörigen använts,</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 16px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p53 ft4">artikel 8.2 i Europaparlamentets och rådets förordning (EU) 2015/751 av den 29 april 2015 om förmedlingsavgifter för kortbas- erade betalningstransaktioner,</P>
<P class="p822 ft3"><SPAN class="ft4">11</SPAN>. vilka avgifter användaren ska betala till leverantören och, när det är tillämpligt, detaljuppgifter om dessa,</P>
<P class="p145 ft5"><SPAN class="ft41">12</SPAN>. de räntor och växelkurser som ska tillämpas eller, om referensräntesatser och referens- växelkurser ska användas, meto- den för beräkning av den faktiska räntan och relevant dag, index eller underlag för att bestämma referensräntan eller referensväxel- kursen,</P>
<P class="p208 ft70"><SPAN class="ft81">13</SPAN>. sådan omedelbar tillämpning av ändrade räntesatser eller växel- kurser som kan avtalas om enligt 14 § samt de informationskrav som är förenade med detta,</P>
<P class="p208 ft70"><SPAN class="ft81">14</SPAN>. i förekommande fall, de kommunikationsmedel som ska användas för överföring av information och underrättelser mellan parterna, inklusive tekniska krav på användarens utrustning,</P>
<P class="p711 ft3"><SPAN class="ft4">15</SPAN>. hur ofta och på vilket sätt information enligt denna lag ska lämnas till eller göras tillgänglig för användaren,</P>
<P class="p604 ft6"><SPAN class="ft4">16</SPAN>. vilket språk som ska användas i ramavtalet samt på vilket språk kommunikationen mellan leverantören och använd- aren ska ske,</P>
<P class="p604 ft3"><SPAN class="ft4">17</SPAN>. användarens rätt att få ram- avtalets villkor samt information enligt 13 §,</P>
<P class="p145 ft5"><SPAN class="ft41">18</SPAN>. de åtgärder som användaren ska vidta för att skydda betalnings- instrumentet och hur användaren ska anmäla att ett betalnings- instrument kommit bort eller obe- hörigen använts,</P>
<P class="p632 ft39">19. vilket förfarande betal- tjänstleverantören använder för att på ett säkert sätt underrätta betal- tjänstanvändaren vid ett misstänkt</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p1112 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">593</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_594" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">594</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 30px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P style="text-align: justify;padding-right: 15px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft40"><SPAN class="ft39">18</SPAN>. i förekommande fall, under vilka omständigheter leverantören förbehåller sig rätten att spärra ett betalningsinstrument enligt 5 kap. 4 §,</P>
<P class="p318 ft4">19<SPAN class="ft6">. </SPAN>vilket <SPAN class="ft6">ansvar </SPAN>betalaren har <SPAN class="ft6">enligt </SPAN>lagen (2010:000) om obe- höriga transaktioner med betal- ningsinstrument<SPAN class="ft6">,</SPAN></P>
<P style="text-align: justify;padding-right: 15px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft6"><SPAN class="ft4">20</SPAN>. hur och inom vilken tidsfrist <SPAN class="ft4">som </SPAN>användaren ska underrätta leverantören om felaktigt genom- förda betalningstransaktioner eller obehöriga transaktioner,</P>
<P class="p299 ft3"><SPAN class="ft4">21</SPAN>. leverantörens ansvar för genomförande av transaktioner enligt 5 kap. <NOBR><SPAN class="ft4">25–29</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§,</P>
<P style="text-align: justify;padding-right: 16px;margin-top: 11px;margin-bottom: 0px;text-indent: 11px;" class="ft76"><SPAN class="ft50">22</SPAN>. villkoren för återbetalning enligt 5 kap. <NOBR><SPAN class="ft50">6–8</SPAN></NOBR><SPAN class="ft50"> </SPAN>§§<SPAN class="ft50">,</SPAN></P>
<P class="p318 ft6"><SPAN class="ft4">23</SPAN>. i förekommande fall, uppgift om att användaren ska anses ha godkänt de ändrade villkoren enligt 14 § om användaren inte före den dag då de föreslås träda i kraft underrättar leverantören om att användaren inte godkänner dem,</P>
<P class="p606 ft3"><SPAN class="ft4">24</SPAN>. avtalets löptid,</P>
<P class="p318 ft6"><SPAN class="ft4">25</SPAN>. <SPAN class="ft4">om </SPAN>uppsägningstider och avgifter för uppsägning enligt 14 § tredje stycket eller 15 §,</P>
<P class="p318 ft6"><SPAN class="ft4">26</SPAN>. eventuella avtalsbestämmel- ser om vilket lands lag som ska tillämpas för ramavtalet och om vilken domstol som är behörig, och</P>
<P style="text-align: justify;padding-right: 15px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft40"><SPAN class="ft39">27</SPAN>. vilka förfaranden för klagomål och prövning utanför domstol som finns för användaren.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p460 ft50">eller faktiskt bedrägeri eller säker- hetshot,</P>
<P class="p463 ft6"><SPAN class="ft4">20</SPAN>. i förekommande fall, under vilka omständigheter leverantören förbehåller sig rätten att spärra ett betalningsinstrument enligt 5 kap. 4 §,</P>
<P class="p606 ft3"><SPAN class="ft4">21</SPAN>. <SPAN class="ft4">betalarens </SPAN>ansvar enligt</P>
<P class="p821 ft4">5 kap. <NOBR>55–61</NOBR> §§<SPAN class="ft3">,</SPAN></P>
<P style="text-align: justify;padding-right: 63px;margin-top: 28px;margin-bottom: 0px;text-indent: 11px;" class="ft3"><SPAN class="ft4">22</SPAN>. hur och inom vilken tidsfrist användaren ska underrätta leverantören om felaktigt genom- förda betalningstransaktioner eller obehöriga transaktioner,</P>
<P class="p213 ft6"><SPAN class="ft4">23</SPAN>. leverantörens ansvar för <SPAN class="ft4">initiering eller </SPAN>genomförande av transaktioner enligt 5 kap. <SPAN class="ft4">47– 53 </SPAN>§§,</P>
<P class="p1106 ft3"><SPAN class="ft4">24</SPAN>. villkoren för återbetalning enligt 5 kap. <NOBR><SPAN class="ft4">28–30</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§<SPAN class="ft4">,</SPAN></P>
<P class="p213 ft6"><SPAN class="ft4">25</SPAN>. i förekommande fall, uppgift om att användaren ska anses ha godkänt de ändrade villkoren enligt 14 § om användaren inte före den dag då de föreslås träda i kraft underrättar leverantören om att användaren inte godkänner dem,</P>
<P class="p606 ft3"><SPAN class="ft4">26</SPAN>. avtalets löptid,</P>
<P class="p213 ft6"><SPAN class="ft4">27</SPAN>. uppsägningstider och avgif- ter för uppsägning enligt 14 § tredje stycket eller 15 §,</P>
<P class="p213 ft6"><SPAN class="ft4">28</SPAN>. eventuella avtalsbestämmel- ser om vilket lands lag som ska tillämpas för ramavtalet och om vilken domstol som är behörig, och</P>
<P class="p630 ft40"><SPAN class="ft39">29</SPAN>. vilka förfaranden för klagomål och prövning utanför domstol som finns för användaren.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 11px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p419 ft3">15 §</P>
<P class="p463 ft40">Betaltjänstanvändaren får säga upp ramavtalet med omedelbar verkan, såvida inte parterna har kommit överens om en uppsägningstid. Betal- tjänstleverantören får inte göra gällande en längre uppsägningstid för</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr15 td60"><P class="p3 ft3">användaren än en månad.</P></TD>
<TD class="tr15 td72"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">Om leverantören säger upp ett</P></TD>
<TD class="tr16 td72"><P class="p27 ft6">Om leverantören säger upp ett</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">ramavtal som ingåtts på obestämd</P></TD>
<TD class="tr15 td72"><P class="p27 ft7">ramavtal som ingåtts på obestämd</P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p3 ft3">tid, ska uppsägningstiden vara</P></TD>
<TD class="tr28 td72"><P class="p17 ft3">tid, ska uppsägningstiden vara</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_595" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD colspan=3 class="tr22 td139"><P class="p3 ft3">minst två månader.</P></TD>
<TD class="tr22 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td141"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr22 td71"><P class="p3 ft3">minst två månader.</P></TD>
<TD class="tr22 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">Ett ramavtal som har ingåtts för en</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p42 ft3">Ett ramavtal som har ingåtts för</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">bestämd tid av mer än <SPAN class="ft4">tolv</SPAN></P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">en bestämd tid av mer än <SPAN class="ft4">sex</SPAN></P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">månader eller på obestämd tid ska</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">månader eller på obestämd tid ska</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">kunna sägas upp avgiftsfritt av</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">kunna sägas upp avgiftsfritt av</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">användaren efter <SPAN class="ft4">tolv </SPAN>månader.</P></TD>
<TD colspan=4 class="tr16 td42"><P class="p3 ft5">användaren efter <SPAN class="ft41">sex </SPAN>månader.</P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">När leverantören får ta ut en avgift</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p42 ft6">När leverantören får ta ut en</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td126"><P class="p3 ft3">för</P></TD>
<TD colspan=2 class="tr15 td210"><P class="p3 ft3">uppsägningen,</P></TD>
<TD class="tr15 td33"><P class="p3 ft3">ska</P></TD>
<TD class="tr15 td141"><P class="p62 ft3">avgiften</P></TD>
<TD class="tr15 td82"><P class="p3 ft3">avgift</P></TD>
<TD class="tr15 td94"><P class="p3 ft3">för</P></TD>
<TD colspan=2 class="tr15 td156"><P class="p41 ft3">uppsägningen,</P></TD>
<TD class="tr15 td164"><P class="p42 ft7">ska</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td136"><P class="p3 ft6">motsvara de</P></TD>
<TD colspan=2 class="tr16 td50"><P class="p72 ft6">faktiska</P></TD>
<TD class="tr16 td141"><P class="p62 ft7">kostnader</P></TD>
<TD class="tr16 td82"><P class="p3 ft6">avgiften</P></TD>
<TD colspan=2 class="tr16 td140"><P class="p90 ft6">motsvara</P></TD>
<TD colspan=2 class="tr16 td84"><P class="p42 ft6">de faktiska</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft6">som</P></TD>
<TD colspan=2 class="tr16 td210"><P class="p75 ft6">uppsägningen</P></TD>
<TD colspan=2 class="tr16 td137"><P class="p62 ft6">medför för</P></TD>
<TD colspan=2 class="tr16 td208"><P class="p3 ft6">kostnader</P></TD>
<TD class="tr16 td14"><P class="p146 ft6">som</P></TD>
<TD colspan=2 class="tr16 td84"><P class="p42 ft7">uppsägningen</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td136"><P class="p3 ft3">leverantören.</P></TD>
<TD colspan=3 class="tr15 td163"><P class="p62 ft3">Periodiska avgifter</P></TD>
<TD class="tr15 td82"><P class="p3 ft3">medför</P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td14"><P class="p3 ft3">för</P></TD>
<TD colspan=2 class="tr15 td84"><P class="p42 ft3">leverantören.</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">för betaltjänster ska betalas endast</P></TD>
<TD colspan=2 class="tr16 td208"><P class="p3 ft6">Periodiska</P></TD>
<TD colspan=2 class="tr16 td156"><P class="p1487 ft6">avgifter</P></TD>
<TD class="tr16 td164"><P class="p42 ft6">för</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">för tiden fram till det att avtalet</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft5">betaltjänster ska betalas endast för</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">upphör att gälla. Om sådana</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">tiden fram till det att avtalet</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">avgifter har betalats i förskott, ska</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">upphör att gälla. Om sådana</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td126"><P class="p3 ft6">de</P></TD>
<TD colspan=2 class="tr16 td210"><P class="p3 ft4">återbetalas <SPAN class="ft6">i</SPAN></P></TD>
<TD colspan=2 class="tr16 td137"><P class="p62 ft6">motsvarande</P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">avgifter har betalats i förskott, ska</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td136"><P class="p3 ft3">omfattning.</P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td141"><P class="p3 ft2"> </P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4"><SPAN class="ft3">de </SPAN>betalas tillbaka <SPAN class="ft3">i motsvarande</SPAN></P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td141"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td208"><P class="p3 ft3">omfattning.</P></TD>
<TD class="tr20 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td50"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 273px;margin-top: 11px;margin-bottom: 0px;" class="ft69">Påföljd vid utebliven information</P>
<P style="text-align: left;padding-left: 273px;margin-top: 13px;margin-bottom: 0px;" class="ft4">21 §</P>
<P style="text-align: justify;padding-left: 273px;padding-right: 163px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Om information inte lämnas i enlighet med <NOBR>3–6,</NOBR> <NOBR>10–13</NOBR> och 19 §§, ska även marknadsförings- lagen (2008:486) tillämpas, med undantag av bestämmelserna i <NOBR>29–36</NOBR> §§ om marknadsstörnings- avgift. Sådan information ska anses vara väsentlig enligt 10 § tredje stycket den lagen.</P>
<P style="text-align: left;padding-left: 273px;margin-top: 9px;margin-bottom: 0px;" class="ft69">Bemyndiganden</P>
<P style="text-align: left;padding-left: 273px;margin-top: 13px;margin-bottom: 0px;" class="ft4">22 §</P>
<P style="text-align: justify;padding-left: 273px;padding-right: 163px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Regeringen eller den myndighet som regeringen bestämmer får meddela föreskrifter om hur betal- tjänstleverantörer ska göra det informationsmaterial om konsum- enters rättigheter som avses i 3 a § tillgängligt för betaltjänstanvän- dare.</P>
<P class="p509 ft3">595</P>
</DIV>
<DIV id="page_596" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">596</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: left;padding-left: 175px;margin-top: 0px;margin-bottom: 0px;" class="ft42">4 a kap.</P>
<P class="p248 ft3">5 §<SPAN class="ft43">11</SPAN></P>
<P class="p463 ft5">En betaltjänstleverantör ska i rimlig tid innan den ingår ett avtal om betalkonto ge konsumenten en förteckning över de mest representativa tjänsterna som är knutna till betalkonton i Sverige och, i den utsträckning betaltjänstleverantören tillhandhåller dessa tjänster, informera konsu- menten om avgifterna för dem. Informationen ska lämnas i pappersform eller på annat varaktigt medium.</P>
<P class="p213 ft3">Betaltjänstleverantören ska också hålla förteckningen och en ordlista som minst omfattar de begrepp som fastställts i förteckningen tillgäng- liga för konsumenten.</P>
<P class="p463 ft5">Betaltjänstleverantören ska, utöver de informationskrav som följer av 4 kap. minst en gång per år ge konsumenten kostnadsfri information om aktuella avgifter och räntesatser för de tjänster som är knutna till betalkontot. Betaltjänstleverantören och konsumenten ska komma överens om på vilket sätt avgifterna ska redovisas. Redovisningen ska lämnas i pappersform om konsumenten begär det.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om information inte lämnas i enlighet med denna paragraf, ska även marknadsföringslagen (2008:486) tillämpas, med undan- tag av bestämmelserna i <NOBR>29–36</NOBR> §§ om marknadsstörningsavgift. Sådan information ska anses vara väsentlig enligt 10 § tredje stycket den lagen.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;margin-top: 13px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td116"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td60"><P class="p90 ft42">5 kap.</P></TD>
<TD class="tr22 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td116"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p17 ft3">1 §</P></TD>
<TD class="tr15 td270"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td270"><P class="p31 ft6">En betaltjänstleverantör får</P></TD>
<TD class="tr16 td34"><P class="p21 ft5">inte</P></TD>
<TD class="tr16 td270"><P class="p31 ft6">En betaltjänstleverantör får</P></TD>
<TD class="tr16 td13"><P class="p17 ft5">inte</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6">ta ut någon avgift av en betaltjänst-</P></TD>
<TD colspan=2 class="tr16 td72"><P class="p3 ft5">ta ut någon avgift av en betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p3 ft3">användare för fullgörandet av sin</P></TD>
<TD colspan=2 class="tr15 td72"><P class="p3 ft3">användare för fullgörandet av sin</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td270"><P class="p3 ft6">informationsskyldighet samt</P></TD>
<TD class="tr16 td34"><P class="p21 ft6">av</P></TD>
<TD class="tr16 td270"><P class="p3 ft6">informationsskyldighet samt</P></TD>
<TD class="tr16 td13"><P class="p17 ft6">av</P></TD>
</TR>
<TR>
<TD class="tr16 td119"><P class="p3 ft5">skydds-</P></TD>
<TD class="tr16 td126"><P class="p75 ft7">och</P></TD>
<TD colspan=2 class="tr16 td17"><P class="p21 ft6">korrigeringsåtgärder</P></TD>
<TD colspan=2 class="tr16 td72"><P class="p3 ft6">skydds- och korrigeringsåtgärder</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p3 ft3">enligt detta kapitel förutom i de</P></TD>
<TD colspan=2 class="tr15 td72"><P class="p3 ft3">enligt detta kapitel förutom i de</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6">fall som anges i <SPAN class="ft4">10</SPAN>, <SPAN class="ft4">15 </SPAN>och <SPAN class="ft4">23 </SPAN>§§<SPAN class="ft4">.</SPAN></P></TD>
<TD colspan=2 class="tr16 td72"><P class="p3 ft5">fall som anges i <SPAN class="ft41">32</SPAN>, <SPAN class="ft41">37 </SPAN>och <SPAN class="ft41">45 </SPAN>§§<SPAN class="ft41">.</SPAN></P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6">När avgifter får tas ut enligt någon</P></TD>
<TD colspan=2 class="tr16 td72"><P class="p3 ft5">När avgifter får tas ut enligt någon</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p3 ft5">av dessa bestämmelser ska de vara</P></TD>
<TD colspan=2 class="tr15 td72"><P class="p3 ft7">av dessa bestämmelser ska de vara</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6">skäliga och motsvara betaltjänst-</P></TD>
<TD colspan=2 class="tr16 td72"><P class="p3 ft5">skäliga och motsvara betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6">leverantörens faktiska kostnader.</P></TD>
<TD colspan=2 class="tr16 td72"><P class="p3 ft5">leverantörens faktiska kostnader.</P></TD>
</TR>
<TR>
<TD class="tr15 td119"><P class="p31 ft4">Om</P></TD>
<TD class="tr15 td126"><P class="p3 ft4">en</P></TD>
<TD colspan=2 class="tr15 td17"><P class="p21 ft41">betalningstransaktion</P></TD>
<TD colspan=2 class="tr15 td72"><P class="p17 ft3"><SPAN class="ft4">Betalaren </SPAN>och betalningsmottag-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td165"><P class="p3 ft4">inte medför</P></TD>
<TD colspan=2 class="tr16 td17"><P class="p21 ft4">någon valutaväxling,</P></TD>
<TD colspan=2 class="tr16 td72"><P class="p3 ft6">aren <SPAN class="ft4">ska </SPAN>betala de avgifter som</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6"><SPAN class="ft4">ska betalaren </SPAN>och betalningsmot-</P></TD>
<TD colspan=2 class="tr16 td72"><P class="p3 ft7">deras respektive betaltjänstleveran-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td60"><P class="p3 ft5">tagaren betala de avgifter som deras</P></TD>
<TD class="tr15 td270"><P class="p3 ft3">tör tar ut.</P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td60"><P class="p3 ft6">respektive betaltjänstleverantör tar</P></TD>
<TD class="tr16 td270"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td119"><P class="p3 ft3">ut.</P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td116"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td270"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;margin-top: 47px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">11 </SPAN>Senaste lydelse 2017:342.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_597" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td329"><P class="p42 ft5">Betaltjänstleverantören får inte hindra en betalningsmottagare från att</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft5">erbjuda betalaren en nedsättning vid användning av ett visst betalnings-</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p3 ft6">instrument.</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft6">En betalningsmottagare får inte ta ut någon avgift av betalaren vid</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td329"><P class="p3 ft3">användning av ett betalningsinstrument.</P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 252px;margin-top: 10px;margin-bottom: 0px;" class="ft3">2 §<SPAN class="ft43">12</SPAN></P>
<P class="p12 ft3">För elektroniska pengar och sådana betalningsinstrument som avses i 4 kap. 19 § första stycket får betaltjänstleverantören och betaltjänst- användaren i ramavtal komma överens om</P>
<P class="p12 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">att leverantören inte behöver underrätta användaren att betalnings- ordern har avvisats, om det av sammanhanget klart framgår att den inte har utförts,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">att betalaren inte får återkalla betalningsordern efter att ha godkänt att den genomförs,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t24">
<TR>
<TD class="tr28 td158"><P class="p90 ft7">3. andra</P></TD>
<TD class="tr28 td84"><P class="p75 ft7">tidsgränser för</P></TD>
<TD class="tr28 td103"><P class="p62 ft3">genom-</P></TD>
<TD class="tr28 td61"><P class="p17 ft3">3. andra tidsgränser för genom-</P></TD>
</TR>
<TR>
<TD class="tr15 td158"><P class="p3 ft3">förandet</P></TD>
<TD class="tr15 td84"><P class="p3 ft3">än de som</P></TD>
<TD class="tr15 td103"><P class="p62 ft3">anges i</P></TD>
<TD class="tr15 td61"><P class="p17 ft3">förandet än de som anges i</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr21 td207"><P class="p3 ft23"><NOBR><SPAN class="ft62">18–22</SPAN></NOBR><SPAN class="ft62"> </SPAN>§§, eller</P></TD>
<TD class="tr21 td103"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td61"><P class="p254 ft24"><NOBR><SPAN class="ft84">40–44</SPAN></NOBR><SPAN class="ft84"> </SPAN>§§, eller</P></TD>
</TR>
</TABLE>
<P class="p13 ft3">4. att det inte ska vara möjligt att spärra betalningsinstrumentet.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 393px;margin-left: 68px;margin-top: 10px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr22 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td150"><P class="p3 ft3">3 §</P></TD>
<TD class="tr22 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p90 ft6">En</P></TD>
<TD class="tr16 td209"><P class="p3 ft7">betalningstransaktion</P></TD>
<TD class="tr16 td92"><P class="p17 ft6">ska</P></TD>
<TD class="tr16 td150"><P class="p235 ft6">En</P></TD>
<TD colspan=3 class="tr16 td86"><P class="p3 ft5">betalningstransaktion</P></TD>
<TD class="tr16 td126"><P class="p17 ft6">ska</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td61"><P class="p3 ft7">betraktas som godkänd om betalaren</P></TD>
<TD colspan=5 class="tr15 td60"><P class="p191 ft5">betraktas som godkänd om beta-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td61"><P class="p3 ft5">har lämnat sitt samtycke till att den</P></TD>
<TD colspan=5 class="tr16 td60"><P class="p191 ft5">laren har lämnat sitt samtycke till</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td268"><P class="p3 ft6">genomförs.</P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td60"><P class="p191 ft6">att den genomförs. <SPAN class="ft4">Ett sådant</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td124"><P class="p191 ft4">samtycke ska lämnas</P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td106"><P class="p235 ft4">1. direkt</P></TD>
<TD colspan=3 class="tr16 td169"><P class="p17 ft4">till den kontoförvalt-</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td60"><P class="p191 ft41">ande betaltjänstleverantören, eller</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td150"><P class="p235 ft4">2. via</P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td169"><P class="p17 ft4">betalningsmottagaren</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td60"><P class="p191 ft4">eller en leverantör av betalnings-</P></TD>
</TR>
<TR>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td124"><P class="p191 ft4">initieringstjänster<SPAN class="ft3">.</SPAN></P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr29 td268"><P class="p3 ft42">Betaltjänstleverantörens</P></TD>
<TD class="tr29 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr29 td124"><P class="p191 ft115">Betaltjänstleverantörens</P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td268"><P class="p3 ft80">skyldigheter avseende</P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td60"><P class="p191 ft79">respektive betaltjänstanvändarens</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td268"><P class="p3 ft42">betalningsinstrument</P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td124"><P style="font: bold 10px 'Arial';line-height: 12px;" class="p191">skyldigheter avseende <SPAN style="font: italic bold 10px 'Times New Roman';line-height: 11px;">ett</SPAN></P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td124"><P class="p191 ft42">betalningsinstrument</P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 rowspan=2 class="tr37 td268"><P class="p90 ft7">Betaltjänstleverantören ska</P></TD>
<TD class="tr27 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td150"><P class="p3 ft3">5 §</P></TD>
<TD class="tr27 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=5 rowspan=2 class="tr29 td60"><P class="p235 ft4">1. se till att villkoren för utgiv-</P></TD>
</TR>
<TR>
<TD class="tr38 td81"><P class="p3 ft85"> </P></TD>
<TD class="tr38 td209"><P class="p3 ft85"> </P></TD>
<TD class="tr38 td92"><P class="p3 ft85"> </P></TD>
</TR>
<TR>
<TD class="tr28 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr28 td60"><P class="p191 ft4">ning och användning av betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td60"><P class="p191 ft41">ningsinstrument är objektiva, icke-</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td209"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td60"><P class="p191 ft41">diskriminerande och proportionella,</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td61"><P class="p17 ft4">1<SPAN class="ft3">. se till att </SPAN>den personliga</P></TD>
<TD colspan=5 class="tr15 td60"><P class="p235 ft4">2<SPAN class="ft3">. se till att </SPAN>de personliga</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft4">koden</P></TD>
<TD colspan=2 class="tr16 td217"><P class="p17 ft5">till betalningsinstrumentet</P></TD>
<TD colspan=3 class="tr16 td124"><P class="p191 ft4">behörighetsfunktioner</P></TD>
<TD class="tr16 td70"><P class="p3 ft4">som</P></TD>
<TD class="tr16 td126"><P class="p17 ft4">är</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td61"><P class="p3 ft6">inte görs <SPAN class="ft4">tillgänglig </SPAN>av leve-</P></TD>
<TD class="tr16 td150"><P class="p191 ft4">knutna</P></TD>
<TD class="tr16 td162"><P class="p72 ft6">till</P></TD>
<TD colspan=3 class="tr16 td169"><P class="p17 ft7">betalningsinstrumentet</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td268"><P class="p3 ft3">rantören för andra än den</P></TD>
<TD class="tr20 td92"><P class="p17 ft7">betal-</P></TD>
<TD colspan=2 class="tr20 td106"><P class="p191 ft3">inte görs</P></TD>
<TD class="tr20 td165"><P class="p1 ft4">tillgängliga</P></TD>
<TD class="tr20 td70"><P class="p146 ft3">av</P></TD>
<TD class="tr20 td126"><P class="p17 ft3">leve-</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 68px;margin-top: 28px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">12 </SPAN>Senaste lydelse 2011:775.</P>
<P class="p14 ft3">597</P>
</DIV>
<DIV id="page_598" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">598</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 190px;overflow: hidden;">
<P class="p729 ft3">tjänstanvändare som har rätt att använda betalningsinstrumentet,</P>
<P style="text-align: justify;margin-top: 12px;margin-bottom: 0px;text-indent: 11px;" class="ft70"><SPAN class="ft81">2. </SPAN>inte skicka betalningsinstru- ment till någon som inte har beställt det, förutom då ett betal- ningsinstrument som redan innehas av användaren ska ersättas,</P>
<P class="p208 ft5"><SPAN class="ft41">3</SPAN>. se till att användare när som helst har möjlighet att på lämpligt sätt anmäla till leverantören att ett betalningsinstrument har kommit bort eller obehörigen använts eller begära att en spärr hävs enligt 4 § fjärde stycket, och</P>
<P style="text-align: justify;padding-right: 1px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft3"><SPAN class="ft4">4</SPAN>. förhindra användning av betalningsinstrumentet när en anmälan enligt <SPAN class="ft4">3 </SPAN>har lämnats.</P>
<P class="p145 ft5">En betaltjänstleverantör ska under 18 månader efter det att en anmälan eller en begäran enligt första stycket <SPAN class="ft41">3 </SPAN>lämnats bevara information som gör det möjligt för betaltjänstanvändaren att visa att en anmälan eller begäran har lämnats. Sådan information ska lämnas till användaren om använ- daren begär det.</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 15px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p460 ft3">rantören för andra än den betal- tjänstanvändare som har rätt att använda betalningsinstrumentet,</P>
<P class="p463 ft70"><SPAN class="ft81">3</SPAN>. inte skicka betalningsinstrument till någon som inte har beställt det, förutom då ett betalningsinstrument som redan innehas av användaren ska ersättas,</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 12px;margin-bottom: 0px;text-indent: 11px;" class="ft6"><SPAN class="ft4">4</SPAN>. se till att användare när som helst har möjlighet att på lämpligt sätt anmäla till leverantören att ett betalningsinstrument har kommit bort eller obehörigen använts eller begära att en spärr hävs enligt 4 § fjärde stycket, och</P>
<P class="p878 ft3"><SPAN class="ft4">5</SPAN>. förhindra användning av betalningsinstrumentet när en anmälan enligt <SPAN class="ft4">4 </SPAN>har lämnats.</P>
<P class="p463 ft6">En betaltjänstleverantör ska under 18 månader efter det att en anmälan eller en begäran enligt första stycket <SPAN class="ft4">4 </SPAN>lämnats bevara information som gör det möjligt för betaltjänstanvändaren att visa att en anmälan eller begäran har lämnats. Sådan information ska lämnas till användaren om använ- daren begär det.</P>
<P class="p616 ft50">En anmälan enligt första stycket 4 ska vara avgiftsfri för betaltjänst- användaren. Betaltjänstleveran- tören får endast ta ut en avgift för de ersättningskostnader som är direkt hänförliga till betalnings- instrumentet.</P>
<P class="p701 ft4">6 §</P>
<P class="p1112 ft4">Betaltjänstanvändaren ska</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 1px;margin-bottom: 0px;text-indent: 12px;" class="ft50"><SPAN class="ft4">1.</SPAN><SPAN class="ft67">skydda de personliga behörig- hetsfunktioner som är knutna till betalningsinstrumentet,</SPAN></P>
<P class="p462 ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft53">vid vetskap om att betalnings- instrumentet kommit bort eller obehörigen använts snarast anmäla detta till betaltjänstleve- rantören, och</SPAN></P>
<P class="p1183 ft50"><SPAN class="ft4">3.</SPAN><SPAN class="ft67">i övrigt följa de villkor som gäller för användning av betal- ningsinstrumentet enligt avtal med betaltjänstleverantören.</SPAN></P>
</DIV>
</DIV>
</DIV>
<DIV id="page_599" style="position:relative; overflow: hidden;margin: 47px 0px 77px 273px;padding: 0px;border: none;width: 351px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 294px;font: italic bold 13px 'Times New Roman';">
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr22"><P class="p3 ft69">Rätten att använda</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft69">betalningsinitieringstjänster och</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft86">betaltjänstleverantörernas</P></TD>
<TD class="tr16 td175"><P class="p3 ft66"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft86">skyldigheter i samband med</P></TD>
<TD class="tr16 td175"><P class="p3 ft66"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft69">tillhandahållandet av dessa</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr28"><P class="p3 ft69">tjänster</P></TD>
<TD class="tr28 td175"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p270 ft4">7 §</P>
<P class="p561 ft41">En betaltjänstanvändare har rätt att använda betalningsinitierings- tjänster om det berörda betalkontot är tillgängligt online. Denna rätt gäller oberoende av om det finns ett avtal om detta mellan leverantören av betalningsinitieringstjänster och den kontoförvaltande betaltjänst- leverantören.</P>
<P class="p272 ft4">8 §</P>
<P class="p408 ft50">En leverantör av betalningsini- tieringstjänster får inte</P>
<P class="p408 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft52">vid någon tidpunkt inneha betalarens medel i samband med tillhandahållandet av en betalnings- initieringstjänst,</SPAN></P>
<P class="p408 ft50"><SPAN class="ft4">2.</SPAN><SPAN class="ft49">lagra känsliga betalningsupp- gifter som tillhör betaltjänstanvän- daren,</SPAN></P>
<P class="p408 ft4"><SPAN class="ft4">3.</SPAN><SPAN class="ft52">begära andra uppgifter av betaltjänstanvändaren än sådana som krävs för att tillhandahålla betalningsinitieringstjänster,</SPAN></P>
<P class="p457 ft4"><SPAN class="ft4">4.</SPAN><SPAN class="ft53">använda, ha tillgång till eller lagra uppgifter för andra ändamål än för att tillhandahålla den betal- ningsinitieringstjänst som uttryck- ligen begärs av betalaren, eller</SPAN></P>
<P class="p588 ft56"><SPAN class="ft4">5.</SPAN><SPAN style="font: italic 13px 'Times New Roman';margin-left: 3px;line-height: 17px;">ändra beloppet, uppgift om betalaren eller något annat inslag i transaktionen.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 300px;margin-top: 7px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td31"><P class="p3 ft4">9 §</P></TD>
<TD class="tr2 td58"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td176"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td192"><P class="p661 ft4">En leverantör av betalnings-</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td64"><P class="p3 ft4">initieringstjänster ska</P></TD>
<TD class="tr15 td176"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td64"><P class="p90 ft4">1. säkerställa att</P></TD>
<TD class="tr16 td176"><P class="p661 ft4">betaltjänst-</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td31"><P class="p3 ft4">användarens</P></TD>
<TD colspan=2 class="tr16 td276"><P class="p661 ft4">personliga behörig-</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td31"><P class="p3 ft41">hetsfunktioner</P></TD>
<TD class="tr15 td58"><P class="p70 ft4">inte är</P></TD>
<TD class="tr15 td176"><P class="p661 ft41">tillgängliga</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td192"><P class="p661 ft4">för andra än användaren och</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td192"><P class="p661 ft4">utgivaren av dem, och att dessa</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td192"><P class="p661 ft4">uppgifter överförs genom leveran-</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td31"><P class="p3 ft4">tören på ett</P></TD>
<TD colspan=2 class="tr20 td276"><P class="p661 ft4">säkert och effektivt</P></TD>
<TD class="tr20 td78"><P class="p17 ft3">599</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_600" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 367px;overflow: hidden;">
<P style="text-align: right;padding-right: 225px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">600</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p15 ft4">sätt, och</P>
<P class="p288 ft4">2. se till att eventuell övrig information om betaltjänstanvänd- aren som leverantören har fått när den tillhandahåller betalningsini- tieringstjänsten endast lämnas till betalningsmottagaren och endast med användarens uttryckliga god- kännande.</P>
<P class="p272 ft4">10 §</P>
<P class="p289 ft50">En leverantör av betalnings- initieringstjänster ska identifiera sig gentemot betaltjänstanvänd- arens kontoförvaltande betaltjänst- leverantör varje gång en betalning initieras.</P>
<P class="p263 ft4">11 §</P>
<P class="p214 ft4">När den kontoförvaltande betal- tjänstleverantören har tagit emot en betalningsorder från leveran- tören av betalningsinitieringstjäns- ter och betalaren har godkänt betalningstransaktionen i enlighet med 3 §, ska den kontoförvaltande betaltjänstleverantören omedel- bart ge leverantören av betal- ningsinitieringstjänster all till- gänglig information om initi- eringen och genomförandet av betalningstransaktionen. Informa- tionen ska lämnas omedelbart efter det att betalningsordern har tagits emot från leverantören av betal- ningsintieringstjänster.</P>
<P class="p316 ft4">12 §</P>
<P class="p289 ft4">En kontoförvaltande betaltjänst- leverantör ska behandla en betal- ningsorder som tas emot från en leverantör av betalningsinitie- ringstjänster på samma sätt som en betalningsorder som tas emot direkt från betalaren när det gäller val av tidpunkt, prioritering och avgifter, såvida inte det finns objektiva skäl för en annan behandling.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_601" style="position:relative; overflow: hidden;margin: 47px 0px 77px 273px;padding: 0px;border: none;width: 351px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 294px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr22 td46"><P class="p3 ft4">13 §</P></TD>
<TD class="tr22 td76"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td154"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td46"><P class="p90 ft4">Den</P></TD>
<TD class="tr15 td76"><P class="p3 ft41">kontoförvaltande</P></TD>
<TD class="tr15 td154"><P class="p42 ft4">betal-</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td323"><P class="p3 ft4">tjänstleverantören och</P></TD>
<TD class="tr16 td154"><P class="p42 ft41">leveran-</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">tören av betalningsinitieringstjäns-</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">ter ska kommunicera på ett säkert</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr21 td46"><P class="p3 ft62">sätt med</P></TD>
<TD colspan=2 class="tr21 td172"><P class="p42 ft62">varandra. Leverantören</P></TD>
<TD class="tr21 td175"><P class="p3 ft61"> </P></TD>
</TR>
</TABLE>
<P class="p576 ft50">av betalningsinitieringstjänster ska kommunicera på ett säkert sätt även med betalaren och betal- ningsmottagaren.</P>
<P style="text-align: left;padding-left: 2px;padding-right: 177px;margin-top: 12px;margin-bottom: 0px;" class="ft69">Rätten att använda kontoinformationstjänster och betaltjänstleverantörernas skyldigheter i samband med tillhandahållandet av dessa tjänster</P>
<P style="text-align: left;padding-left: 2px;margin-top: 10px;margin-bottom: 0px;" class="ft4">14 §</P>
<P style="text-align: justify;padding-left: 2px;padding-right: 158px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft39">En betaltjänstanvändare har rätt att använda kontoinforma- tionstjänster om det berörda betalkontot är tillgängligt online. Denna rätt gäller oberoende av om det finns ett avtal om detta mellan leverantören av kontoinformations- tjänster och den kontoförvaltande betaltjänstleverantören.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 298px;margin-left: 2px;margin-top: 6px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td78"><P class="p3 ft4">15 §</P></TD>
<TD class="tr2 td166"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td35"><P class="p3 ft46"> </P></TD>
<TD class="tr2 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td59"><P class="p90 ft4">En leverantör av kontoinforma-</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td163"><P class="p3 ft4">tionstjänster får</P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td35"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p90 ft4">1. endast</P></TD>
<TD colspan=2 class="tr16 td18"><P class="p3 ft41">tillhandahålla</P></TD>
<TD class="tr16 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td35"><P class="p661 ft41">tjänster</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft4">med</P></TD>
<TD colspan=4 class="tr16 td191"><P class="p661 ft41">betaltjänstanvändarens</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td147"><P class="p3 ft41">uttryckliga godkännande,</P></TD>
<TD class="tr15 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td35"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p90 ft4">2. inte</P></TD>
<TD class="tr16 td166"><P class="p93 ft4">begära</P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td115"><P class="p661 ft41">känsliga</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td163"><P class="p3 ft4">betalningsuppgifter</P></TD>
<TD colspan=2 class="tr16 td162"><P class="p1 ft4">som</P></TD>
<TD class="tr16 td35"><P class="p661 ft4">är</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td59"><P class="p3 ft4">kopplade till betalkontot, och</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td59"><P class="p90 ft4">3. inte använda, ha tillgång till</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td59"><P class="p3 ft4">eller lagra uppgifter för några</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td59"><P class="p3 ft4">andra ändamål än för att</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td78"><P class="p3 ft4">genomföra</P></TD>
<TD class="tr16 td166"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td35"><P class="p661 ft4">den</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td163"><P class="p3 ft41">kontoinformationstjänst</P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td35"><P class="p661 ft4">som</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td163"><P class="p3 ft4">betaltjänstanvändaren</P></TD>
<TD class="tr15 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td35"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr28 td147"><P class="p3 ft4">uttryckligen har begärt.</P></TD>
<TD class="tr28 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td35"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td78"><P class="p3 ft4">16 §</P></TD>
<TD class="tr27 td166"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td35"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td59"><P class="p90 ft4">En leverantör av kontoinforma-</P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td163"><P class="p3 ft4">tionstjänster ska</P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td389"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td35"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td163"><P class="p90 ft4">1. säkerställa att</P></TD>
<TD colspan=3 class="tr15 td24"><P class="p661 ft41">betaltjänst-</P></TD>
<TD class="tr15 td78"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr20 td147"><P class="p3 ft4">användarens personliga</P></TD>
<TD colspan=2 class="tr20 td115"><P class="p661 ft41">behörig-</P></TD>
<TD class="tr20 td78"><P class="p17 ft3">601</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_602" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 369px;overflow: hidden;">
<P style="text-align: right;padding-right: 227px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">602</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 255px;overflow: hidden;">
<P class="p460 ft4">hetsfunktioner inte är tillgängliga för andra än användaren och utgivaren av dem och att dessa uppgifter överförs genom leverantören på ett säkert och effektivt sätt, och</P>
<P class="p615 ft50">2. endast ha tillgång till infor- mation från angivna betalkonton och sådana betalningstransaktioner som hör till kontona.</P>
<P class="p270 ft4">17 §</P>
<P class="p288 ft50">En leverantör av kontoinforma- tionstjänster ska för varje kom- munikationssession identifiera sig gentemot den kontoförvaltande betaltjänstleverantören.</P>
<P class="p270 ft4">18 §</P>
<P class="p616 ft4">En kontoförvaltande betaltjänst- leverantör ska behandla en begäran om uppgifter som över- förs via en leverantör av konto- informationstjänster på samma sätt som en begäran direkt från betaltjänstanvändaren, såvida inte det finns objektiva skäl för en annan behandling.</P>
<P class="p279 ft4">19 §</P>
<P class="p289 ft50">Den kontoförvaltande betal- tjänstleverantören och leverantör- en av kontoinformationstjänster ska kommunicera på ett säkert sätt med varandra.</P>
<P style="text-align: left;padding-right: 100px;margin-top: 12px;margin-bottom: 0px;" class="ft69">Skyldighet att ge tillgång till betalkonto</P>
<P class="p317 ft4">20 §</P>
<P class="p289 ft4">En kontoförvaltande betal- tjänstleverantör får vägra en leve- rantör av betalningsinitierings- tjänster eller kontoinformations- tjänster tillgång till ett betalkonto endast om den kontoförvaltande leverantören av skäl som är objektivt motiverade och veder- börligen styrkta gör bedömningen att leverantören av betalnings-</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_603" style="position:relative; overflow: hidden;margin: 49px 0px 78px 275px;padding: 0px;border: none;width: 349px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 199px;overflow: hidden;">
<P style="text-align: left;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft50">initieringstjänster eller konto- informationstjänster</P>
<P class="p514 ft50"><SPAN class="ft4">1.</SPAN><SPAN class="ft49">har obehörig tillgång till betalkontot, eller</SPAN></P>
<P class="p514 ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft52">obehörigen har initierat en betalningstransaktion från betal- kontot.</SPAN></P>
<P class="p514 ft50">Den kontoförvaltande betal- tjänstleverantören ska medge till- gång till betalkontot så snart det inte längre finns skäl att vägra sådan tillgång.</P>
<P class="p270 ft4">21 §</P>
<P class="p1090 ft41">En kontoförvaltande betaltjänst- leverantör som vägrar en leveran- tör av betalningsinitieringstjänster eller kontoinformationstjänster tillgång till ett betalkonto enligt 20 § ska på avtalat sätt underrätta betaltjänstanvändaren om att till- gång till betalkontot har vägrats och om skälen för detta.</P>
<P class="p759 ft41">Betaltjänstanvändaren ska under- rättas innan tillgång till betalkontot vägras eller så snart som möjligt efter det att tillgång vägrats. Någon information till betalaren får dock inte lämnas om det skulle vara oförenligt med annan lag eller om det är motiverat av säkerhetsskäl att inte göra detta.</P>
<P class="p279 ft4">22 §</P>
<P class="p655 ft4">Den kontoförvaltande betal- tjänstleverantören ska omedelbart meddela Finansinspektionen om en leverantör av betalnings- initieringstjänster eller konto- informationstjänster har vägrats tillgång till ett betalkonto enligt 20 § och om skälen för detta.</P>
<P class="p801 ft69">Besked om tillgängliga medel</P>
<P class="p317 ft4">23 §</P>
<P class="p655 ft39">En kontoförvaltande betaltjänst- leverantör ska, på begäran av en betaltjänstleverantör som ger ut kortbaserade betalningsinstru- ment, omedelbart ge besked om</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">603</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_604" style="position:relative; overflow: hidden;margin: 48px 0px 79px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 369px;overflow: hidden;">
<P style="text-align: right;padding-right: 227px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">604</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 255px;overflow: hidden;">
<P class="p460 ft50">det belopp som krävs för genom- förande av en kortbaserad betal- ningstransaktion är tillgängligt på betalarens betalkonto, om</P>
<P class="p462 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft53">betalarens betalkonto är till- gängligt online vid tidpunkten för begäran, och</SPAN></P>
<P class="p462 ft4"><SPAN class="ft41">2.</SPAN><SPAN class="ft53">betalaren uttryckligen har godkänt att den kontoförvaltande betaltjänstleverantören lämnar ett sådant besked.</SPAN></P>
<P class="p463 ft4">En begäran som avses i första stycket ska besvaras med antingen ja eller nej och ger inte den konto- förvaltande betaltjänstleverantör- en rätt att reservera medel på betalarens betalkonto.</P>
<P class="p630 ft4">På begäran av betalaren ska den kontoförvaltande betaltjänst- leverantören underrätta betalaren om identiteten på den betaltjänst- leverantör som begärt ett besked som avses i första stycket samt om det svar som lämnats.</P>
<P class="p279 ft4">24 §</P>
<P class="p213 ft4">En betaltjänstleverantör som ger ut kortbaserade betalningsinstrument får begära ett sådant besked som avses i 23 § om</P>
<P class="p1183 ft50"><SPAN class="ft4">1.</SPAN><SPAN class="ft67">betalaren uttryckligen har godkänt att en sådan begäran görs, och</SPAN></P>
<P class="p462 ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft53">betalaren har initierat betal- ningstransaktionen genom att använda ett kortbaserat betal- ningsinstrument som getts ut av betaltjänstleverantören.</SPAN></P>
<P class="p289 ft50">En betaltjänstleverantör som begär besked enligt första stycket får inte lagra eller använda det svar som den kontoförvaltande betaltjänstleverantören lämnar för andra syften än för att genomföra transaktionen.</P>
<P class="p263 ft4">25 §</P>
<P class="p288 ft50">Den betaltjänstleverantör som begär ett besked enligt 24 § ska kommunicera på ett säkert sätt</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_605" style="position:relative; overflow: hidden;margin: 49px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-left: 207px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft50">med den kontoförvaltande betal- tjänstleverantören och innan beskedet begärs autentisera sig gentemot denne.</P>
<P style="text-align: left;padding-left: 207px;margin-top: 11px;margin-bottom: 0px;" class="ft4">26 §</P>
<P style="text-align: justify;padding-left: 207px;padding-right: 12px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Bestämmelserna i <NOBR>23–25</NOBR> §§ gäl- ler inte för betalningstransaktioner som initieras genom kortbaserade betalningsinstrument där elek- troniska pengar enligt definitionen i 1 kap. 2 § 2 lagen (2011:755) om elektroniska pengar lagras.</P>
<P style="text-align: left;padding-left: 207px;margin-top: 33px;margin-bottom: 0px;" class="ft69">Reservering av medel</P>
<P style="text-align: left;padding-left: 207px;margin-top: 13px;margin-bottom: 0px;" class="ft4">27 §</P>
<P style="text-align: justify;padding-left: 207px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om en kortbaserad betalnings- transaktion initieras av eller via betalningsmottagaren och det exakta beloppet inte är känt vid tidpunkten för betalarens godkän- nande av genomförandet av betal- ningstransaktionen, får betalarens betaltjänstleverantör reservera medel på betalarens betalkonto för täckning av transaktionen endast om betalaren har godkänt det exakta belopp som reservationen avser.</P>
<P style="text-align: justify;padding-left: 207px;padding-right: 13px;margin-top: 6px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Betalarens betaltjänstleverantör ska frigöra de medel som enligt första stycket har reserverats på betalarens betalkonto utan onödigt dröjsmål efter att ha tagit emot information om betalningstransaktionens exakta belopp och så snart som möjligt efter att ha tagit emot betalningsordern.</P>
<P class="p272 ft4">6 § 28 §</P>
<P style="text-align: left;padding-right: 12px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft40">En betalare har rätt till återbetalning från sin betaltjänstleverantör om betalningstransaktionen initierats av eller via betalningsmottagaren, och</P>
<P class="p514 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">betalningstransaktionens exakta belopp inte angavs i samband med att den godkändes, och</SPAN></P>
<P class="p611 ft124"><SPAN class="ft5">2.</SPAN><SPAN style="font: 11px 'Arial';margin-left: 3px;line-height: 17px;">betalningstransaktionens belopp överstiger det belopp som betalaren rimligen kunde ha förväntat sig med hänsyn till sitt tidigare utgifts- mönster, villkoren i ramavtalet och andra relevanta omständigheter.</SPAN></P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">605</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_606" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">606</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=2 class="tr2 td60"><P class="p21 ft3">På begäran av betaltjänstleve-</P></TD>
<TD colspan=3 class="tr2 td72"><P class="p17 ft3">På begäran av betaltjänstleve-</P></TD>
</TR>
<TR>
<TD class="tr15 td9"><P class="p3 ft3">rantören</P></TD>
<TD class="tr15 td170"><P class="p21 ft3">ska betalaren informera</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p17 ft3">rantören ska betalaren informera</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p21 ft6">leverantören om sådana omstän-</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft6">leverantören om sådana omstän-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p21 ft6">digheter som avses i första</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft6">digheter som avses i första</P></TD>
</TR>
<TR>
<TD class="tr15 td9"><P class="p3 ft5">stycket 2.</P></TD>
<TD class="tr15 td170"><P class="p21 ft3">Återbetalningen ska</P></TD>
<TD class="tr15 td140"><P class="p3 ft3">stycket 2.</P></TD>
<TD class="tr15 td205"><P class="p178 ft5">Återbetalningen</P></TD>
<TD class="tr15 td135"><P class="p17 ft3">ska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p21 ft6">uppgå till hela beloppet av den</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft6">uppgå till hela beloppet av den</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">genomförda transaktionen.</P></TD>
<TD class="tr16 td140"><P class="p3 ft6">genomförda</P></TD>
<TD class="tr16 td205"><P class="p178 ft7">transaktionen.</P></TD>
<TD class="tr16 td135"><P class="p17 ft4">Valu-</P></TD>
</TR>
<TR>
<TD class="tr15 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td170"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td140"><P class="p3 ft41">teringsdagen</P></TD>
<TD colspan=2 class="tr15 td108"><P class="p17 ft4">för kreditering av</P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td170"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td266"><P class="p3 ft4">betalarens betalkonto ska</P></TD>
<TD class="tr16 td135"><P class="p27 ft41">infalla</P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td170"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft4">senast den dag då beloppet</P></TD>
</TR>
<TR>
<TD class="tr16 td9"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td170"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td266"><P class="p3 ft4">debiterades kontot.</P></TD>
<TD class="tr16 td135"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p145 ft6">Om betalaren och betaltjänstleverantören har avtalat om att en referensväxelkurs ska tillämpas på betalningstransaktionen, och den avtalade referensväxelkursen har använts, får betalaren inte hävda att förutsättningarna i första stycket 2 är uppfyllda på grund av den växel- kurs som tillämpats.</P>
<P style="text-align: justify;padding-left: 205px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft4">De villkor för återbetalning som anges i första stycket 1 och 2 gäller inte för autogireringar som omfattas av Europaparlamentets och rådets förordning (EU) nr 260/2012 av den 14 mars 2012 om antagande av tekniska och affärs- mässiga krav för betalningar och autogireringar i euro och om ändring av förordning (EG) nr 924/2009.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 383px;margin-top: 15px;font: bold 13px 'Arial';">
<TR>
<TD class="tr22 td60"><P class="p3 ft42">Vägran att utföra en</P></TD>
<TD class="tr22 td322"><P class="p3 ft42">Vägran att utföra en</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft80">betalningsorder</P></TD>
<TD class="tr16 td322"><P class="p3 ft79"><SPAN class="ft78">betalningsorder </SPAN>eller initiera en</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td322"><P class="p3 ft69">betalningstransaktion</P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 10px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P class="p15 ft4">10 §</P>
<P class="p299 ft3">En betaltjänstleverantör som vägrar att utföra en betalningsorder ska underrätta betaltjänstanvän- daren om detta på avtalat sätt snarast möjligt och senast inom de tidsfrister som anges i <SPAN class="ft4">18 </SPAN>och <SPAN class="ft4">19 </SPAN>§§. Av underrättelsen ska fram- gå</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p15 ft4">32 §</P>
<P class="p463 ft5">En betaltjänstleverantör som vägrar att utföra en betalningsorder <SPAN class="ft41">eller initiera en betalningstrans- aktion </SPAN>ska underrätta betaltjänst- användaren om detta på avtalat sätt snarast möjligt och senast inom de tidsfrister som anges i <SPAN class="ft41">40 </SPAN>och <SPAN class="ft41">41 </SPAN>§§. Av underrättelsen ska fram- gå</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 7px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p461 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">om möjligt, skälen för vägran, och</SPAN></P>
<P class="p462 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">vilket förfarande som tillämpas för att rätta till fel som kan ha för- anlett vägran.</SPAN></P>
<P class="p213 ft3">Betaltjänstleverantören får ta ut en avgift för en underrättelse enligt första stycket om</P>
<P class="p461 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">det finns skälig grund för vägran, och</SPAN></P>
<P class="p462 ft3"><SPAN class="ft7">2.</SPAN><SPAN class="ft32">leverantören får ta ut sådan avgift enligt ett ramavtal med betaltjänst- användaren.</SPAN></P>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_607" style="position:relative; overflow: hidden;margin: 46px 0px 78px 68px;padding: 0px;border: none;width: 505px;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 499px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P class="p15 ft4">11 §</P>
<P class="p81 ft5">Om villkoren i betaltjänst- leverantörens ramavtal med betalaren är uppfyllda, får betalarens betaltjänstleverantör inte vägra att utföra en godkänd betalningsorder, oavsett om den har initierats av betalaren<SPAN class="ft41">, </SPAN>eller betalningsmot- tagaren såvida inte utförandet av betalningsordern skulle strida mot annan lag.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 294px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 294px;font: 13px 'Arial';">
<TR>
<TD class="tr19 td23"><P class="p3 ft4">33 §</P></TD>
<TD class="tr19 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td200"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td23"><P class="p90 ft3">Om</P></TD>
<TD colspan=2 class="tr15 td150"><P class="p93 ft3">villkoren</P></TD>
<TD class="tr15 td67"><P class="p25 ft3">i</P></TD>
<TD colspan=2 class="tr15 td84"><P class="p42 ft3">betaltjänst-</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td107"><P class="p3 ft6">leverantörens</P></TD>
<TD colspan=2 class="tr16 td208"><P class="p3 ft6">ramavtal</P></TD>
<TD class="tr16 td34"><P class="p42 ft7">med</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft5">betalaren är uppfyllda, får betalarens</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td71"><P class="p3 ft5">betaltjänstleverantör</P></TD>
<TD colspan=2 class="tr15 td84"><P class="p42 ft3">inte vägra att</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td23"><P class="p3 ft6">utföra</P></TD>
<TD class="tr16 td120"><P class="p3 ft6">en</P></TD>
<TD colspan=4 class="tr16 td171"><P class="p42 ft7">godkänd betalningsorder,</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">oavsett om den har initierats av</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td104"><P class="p3 ft3">betalaren</P></TD>
<TD class="tr15 td90"><P class="p31 ft3">eller</P></TD>
<TD colspan=3 class="tr15 td128"><P class="p42 ft3">betalningsmot-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">tagaren<SPAN class="ft4">, </SPAN>såvida inte utförandet av</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">betalningsordern skulle strida mot</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-right: 106px;margin-top: 0px;margin-bottom: 0px;" class="ft4"><SPAN class="ft3">annan lag. </SPAN>Detsamma gäller om betalningsordern har initierats av en leverantör av betalnings- initieringstjänster<SPAN class="ft3">.</SPAN></P>
</DIV>
</DIV>
<DIV style="border:none;margin: 9px 0px 0px 0px;padding: 0px;border:none;width: 398px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr22 td34"><P class="p3 ft4">12 §</P></TD>
<TD class="tr22 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td116"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td177"><P class="p75 ft4">34 §</P></TD>
<TD class="tr22 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td102"><P class="p154 ft3">Vid tillämpning av <SPAN class="ft4">18</SPAN>, <SPAN class="ft4">19 </SPAN>och</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p17 ft3">Vid tillämpning av <SPAN class="ft4">40, 41 och</SPAN></P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td102"><P class="p3 ft6"><NOBR><SPAN class="ft4">25–29</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ ska en betalningsorder</P></TD>
<TD colspan=4 class="tr16 td28"><P class="p75 ft6"><NOBR><SPAN class="ft4">47–53</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ ska en</P></TD>
<TD colspan=2 class="tr16 td43"><P class="p17 ft7">betalningsorder</P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p3 ft6">som</P></TD>
<TD colspan=2 class="tr16 td159"><P class="p3 ft6">betaltjänstleverantören</P></TD>
<TD class="tr16 td105"><P class="p154 ft7">har</P></TD>
<TD class="tr16 td177"><P class="p75 ft6">som</P></TD>
<TD colspan=4 class="tr16 td17"><P class="p179 ft7">betaltjänstleverantören</P></TD>
<TD class="tr16 td94"><P class="p17 ft6">har</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td102"><P class="p3 ft5">vägrat att utföra anses inte ha blivit</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p75 ft5">vägrat att utföra anses inte ha blivit</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr20 td131"><P class="p3 ft3">mottagen av leverantören.</P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr20 td240"><P class="p75 ft3">mottagen av leverantören.</P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td34"><P class="p3 ft4">14 §</P></TD>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td116"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td177"><P class="p75 ft4">36 §</P></TD>
<TD class="tr29 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td166"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p90 ft6">När</P></TD>
<TD class="tr16 td142"><P class="p130 ft6">en</P></TD>
<TD colspan=2 class="tr16 td77"><P class="p154 ft7">betalningstransaktion</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p153 ft6">När</P></TD>
<TD class="tr16 td180"><P class="p3 ft6">en</P></TD>
<TD colspan=3 class="tr16 td71"><P class="p17 ft7">betalningstransaktion</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td102"><P class="p3 ft6">initieras av eller via betalnings-</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p75 ft4"><SPAN class="ft6">initieras av </SPAN>en leverantör av</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td102"><P class="p3 ft3">mottagaren får betalaren inte åter-</P></TD>
<TD colspan=5 class="tr15 td240"><P class="p75 ft4">betalningsinitieringstjänster</P></TD>
<TD class="tr15 td94"><P class="p17 ft41">eller</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td102"><P class="p3 ft6">kalla betalningsordern efter det att</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p75 ft6"><SPAN class="ft4">av </SPAN>eller</P></TD>
<TD class="tr16 td180"><P class="p74 ft6">via</P></TD>
<TD colspan=3 class="tr16 td71"><P class="p17 ft7">betalningsmottagaren</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td102"><P class="p3 ft4">denne har överfört ordern <SPAN class="ft6">eller</SPAN></P></TD>
<TD colspan=6 class="tr16 td215"><P class="p75 ft6">får betalaren inte återkalla betal-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td102"><P class="p3 ft3">gett sitt godkännande till att</P></TD>
<TD colspan=6 class="tr15 td215"><P class="p75 ft5">ningsordern efter det att <SPAN class="ft41">betalaren</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td18"><P class="p3 ft6">genomföra</P></TD>
<TD class="tr16 td116"><P class="p74 ft6">transaktionen</P></TD>
<TD class="tr16 td105"><P class="p154 ft6">till</P></TD>
<TD colspan=6 class="tr16 td215"><P class="p75 ft41"><SPAN class="ft5">har </SPAN>gett sitt godkännande att initi-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td18"><P class="p3 ft6">mottagaren.</P></TD>
<TD class="tr16 td116"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p75 ft4">era</P></TD>
<TD colspan=4 class="tr16 td17"><P class="p182 ft41">betalningstransaktionen</P></TD>
<TD class="tr16 td94"><P class="p17 ft4">till</P></TD>
</TR>
<TR>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td116"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td47"><P class="p75 ft4">leverantören</P></TD>
<TD class="tr15 td164"><P class="p90 ft4">av</P></TD>
<TD colspan=2 class="tr15 td43"><P class="p17 ft4">betalningsini-</P></TD>
</TR>
<TR>
<TD class="tr21 td34"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td142"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td116"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td105"><P class="p3 ft22"> </P></TD>
<TD colspan=5 class="tr21 td240"><P class="p75 ft62">tieringstjänster <SPAN class="ft23">eller gett sitt</SPAN></P></TD>
<TD class="tr21 td94"><P class="p17 ft7">god-</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 205px;padding-right: 5px;margin-top: 0px;margin-bottom: 0px;" class="ft6">kännande till att genomföra trans- aktionen till mottagaren.</P>
<P class="p145 ft5">Vid autogiro får betalaren, trots första stycket och utan att det påverkar rätten till återbetalning, återkalla betalningsordern senast i slutet av den bankdag som föregår den dag som avtalats för debitering av medlen.</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr20 td60"><P class="p62 ft3">Om en betaltjänstanvändare och</P></TD>
<TD class="tr20 td61"><P class="p17 ft3">Om en betaltjänstanvändare och</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft5">en betaltjänstleverantör har avtalat</P></TD>
<TD class="tr16 td61"><P class="p17 ft5">en betaltjänstleverantör har avtalat</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">enligt <SPAN class="ft4">9 </SPAN>§ om den tidpunkt vid</P></TD>
<TD class="tr15 td61"><P class="p17 ft3">enligt <SPAN class="ft4">31 </SPAN>§ om den tidpunkt vid</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft7">vilken en betalningsorder ska anses</P></TD>
<TD class="tr16 td61"><P class="p17 ft7">vilken en betalningsorder ska anses</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft7">vara mottagen, får användaren trots</P></TD>
<TD class="tr16 td61"><P class="p17 ft7">vara mottagen, får användaren trots</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft3">första stycket återkalla en betal-</P></TD>
<TD class="tr15 td61"><P class="p17 ft3">första stycket återkalla en betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft6">ningsorder senast i slutet av den</P></TD>
<TD class="tr16 td61"><P class="p17 ft6">ningsorder senast i slutet av den</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft7">bankdag som föregår den avtalade</P></TD>
<TD class="tr16 td61"><P class="p17 ft7">bankdag som föregår den avtalade</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P style="text-align: right;padding-right: 170px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">dagen.</P></TD>
<TD class="tr20 td61"><P style="text-align: right;padding-right: 153px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">dagen.</P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="border:none;margin: 7px 0px 0px 0px;padding: 0px;border:none;width: 505px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P class="p15 ft4">15 §</P>
<P style="text-align: left;padding-right: 16px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft59">Efter de tidpunkter som anges i <SPAN class="ft54">13 </SPAN>och <SPAN class="ft54">14 </SPAN>§§ får betalningsordern</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 300px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 300px;font: italic 12px 'Times New Roman';">
<TR>
<TD class="tr22 td192"><P style="text-align: right;padding-right: 212px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">37 §</P></TD>
<TD class="tr22 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td192"><P class="p661 ft3">Efter de tidpunkter som anges i</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td192"><P class="p661 ft5"><SPAN class="ft41">35 </SPAN>och <SPAN class="ft41">36 </SPAN>§§ får betalningsordern</P></TD>
<TD class="tr28 td78"><P class="p17 ft3">607</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_608" style="position:relative; overflow: hidden;margin: 48px 0px 79px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">608</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=5 class="tr2 td60"><P class="p3 ft3">återkallas endast om detta har</P></TD>
<TD class="tr2 td72"><P class="p3 ft3">återkallas endast om detta har</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">avtalats mellan betaltjänstanvän-</P></TD>
<TD class="tr15 td72"><P class="p3 ft3">avtalats mellan betaltjänstanvän-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft4"><SPAN class="ft6">daren och </SPAN>dennes betaltjänst-</P></TD>
<TD class="tr16 td72"><P class="p3 ft4"><SPAN class="ft6">daren och </SPAN>de berörda betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6"><SPAN class="ft4">leverantör</SPAN>. För att återkallelse</P></TD>
<TD class="tr16 td72"><P class="p3 ft5"><SPAN class="ft41">leverantörerna</SPAN>. För att återkallelse</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">efter de tidpunkter som anges i</P></TD>
<TD class="tr15 td72"><P class="p3 ft7">efter de tidpunkter som anges i <SPAN class="ft72">36 </SPAN>§</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6"><SPAN class="ft4">14 </SPAN>§ första och andra styckena ska</P></TD>
<TD class="tr16 td72"><P class="p3 ft7">första och andra styckena ska få ske</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft6">få</P></TD>
<TD class="tr16 td14"><P class="p3 ft6">ske,</P></TD>
<TD class="tr16 td200"><P class="p3 ft6">krävs</P></TD>
<TD class="tr16 td123"><P class="p3 ft4">även</P></TD>
<TD class="tr16 td92"><P class="p21 ft5">att</P></TD>
<TD class="tr16 td72"><P class="p3 ft4">i fråga om en betalningstrans-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td179"><P class="p3 ft3">betalningsmottagaren</P></TD>
<TD colspan=2 class="tr15 td31"><P class="p21 ft3">godkänner</P></TD>
<TD class="tr15 td72"><P class="p3 ft4">aktion som har initierats av</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td31"><P class="p3 ft6">återkallelsen.</P></TD>
<TD class="tr16 td200"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft41">betalningsmottagaren<SPAN class="ft5">, krävs </SPAN>också</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td14"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td200"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft6">att betalningsmottagaren god-</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 12px;margin-top: 0px;margin-bottom: 0px;text-indent: 193px;" class="ft5">känner återkallelsen. Betaltjänstleverantören får ta ut en avgift för återkallande enligt första</P>
<P style="text-align: left;padding-right: 5px;margin-top: 0px;margin-bottom: 0px;" class="ft3">stycket om möjligheten att ta ut sådan avgift framgår av ramavtalet med den betaltjänstanvändare som återkallat betalningsordern.</P>
</DIV>
<DIV style="border:none;margin: 12px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P class="p15 ft4">17 §</P>
<P class="p318 ft3">Bestämmelserna i <NOBR><SPAN class="ft4">18</SPAN>–<SPAN class="ft4">22</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ gäller för betalningstransaktioner i Sverige som genomförs i euro eller i svenska kronor.</P>
<P class="p318 ft6">Bestämmelserna i <NOBR><SPAN class="ft4">18</SPAN>–<SPAN class="ft4">22</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ gäller också för betalningstrans- aktioner där det sker en växling mellan euro och svenska kronor, om</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p15 ft4">39 §</P>
<P class="p213 ft3">Bestämmelserna i <NOBR><SPAN class="ft4">40</SPAN>–<SPAN class="ft4">44</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ gäller för betalningstransaktioner i Sverige som genomförs i euro eller i svenska kronor.</P>
<P class="p213 ft6">Bestämmelserna i <NOBR><SPAN class="ft4">40</SPAN>–<SPAN class="ft4">44</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ gäller också för betalningstrans- aktioner där det sker en växling mellan euro och svenska kronor, om</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p461 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">växlingen sker i Sverige, och</SPAN></P>
<P class="p462 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">när det gäller en transaktion till eller från ett annat land, över- föringen av medlen mellan länderna sker i euro.</SPAN></P>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P style="text-align: justify;padding-right: 15px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft5">Bestämmelserna i <NOBR><SPAN class="ft41">18</SPAN>–<SPAN class="ft41">22</SPAN></NOBR><SPAN class="ft41"> </SPAN>§§ är även tillämpliga på andra betal- ningstransaktioner än de som anges i första och andra styckena. Bestämmelserna i <SPAN class="ft41">18</SPAN>, <SPAN class="ft41">19</SPAN>, <SPAN class="ft41">21 </SPAN>och <SPAN class="ft41">22 </SPAN>§§ är dock inte tillämpliga, om annat har avtalats mellan betal- tjänstanvändaren och betaltjänst- leverantören. Om användaren och leverantören, med avvikelse från <SPAN class="ft41">18 </SPAN>§ första stycket, avtalar om när kreditering av betalningsmottagar- ens leverantörs konto senast ska ske, får tidpunkten inte vara senare än fyra bankdagar efter det att betalningsordern mottagits enligt <SPAN class="ft41">9 </SPAN>§.</P>
<P class="p801 ft4">18 §</P>
<P class="p81 ft40">När en betalningsorder har mot- tagits enligt <SPAN class="ft39">9 </SPAN>§<SPAN class="ft39">, </SPAN>ska betalarens betaltjänstleverantör se till att betalningstransaktionens belopp</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p463 ft5">Bestämmelserna i <NOBR><SPAN class="ft41">40</SPAN>–<SPAN class="ft41">44</SPAN></NOBR><SPAN class="ft41"> </SPAN>§§ är även tillämpliga på andra betal- ningstransaktioner än de som anges i första och andra styckena. Bestämmelserna i <SPAN class="ft41">40</SPAN>, <SPAN class="ft41">41</SPAN>, <SPAN class="ft41">43 </SPAN>och <SPAN class="ft41">44 </SPAN>§§ är dock inte tillämpliga, om annat har avtalats mellan betal- tjänstanvändaren och betaltjänst- leverantören. Om användaren och leverantören, med avvikelse från <SPAN class="ft41">40 </SPAN>§ första stycket, avtalar om när kreditering av betalningsmottagar- ens leverantörs konto senast ska ske, får tidpunkten inte vara senare än fyra bankdagar efter det att betalningsordern mottagits enligt</P>
<P class="p672 ft4">31 <SPAN class="ft3">§.</SPAN></P>
<P class="p260 ft4">40 §</P>
<P class="p214 ft3">När en betalningsorder har mot- tagits enligt <SPAN class="ft4">31 </SPAN>§<SPAN class="ft4">, </SPAN>ska betalarens betaltjänstleverantör se till att betalningstransaktionens belopp</P>
</DIV>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_609" style="position:relative; overflow: hidden;margin: 47px 0px 78px 68px;padding: 0px;border: none;width: 505px;">
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr22 td140"><P class="p3 ft3">krediteras</P></TD>
<TD colspan=5 class="tr22 td265"><P class="p154 ft7">betalningsmottagarens</P></TD>
<TD colspan=2 class="tr22 td57"><P class="p75 ft3">krediteras</P></TD>
<TD colspan=5 class="tr22 td17"><P class="p42 ft7">betalningsmottagarens</P></TD>
<TD class="tr22 td198"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p3 ft5">betaltjänstleverantörs konto senast</P></TD>
<TD colspan=7 class="tr15 td219"><P class="p75 ft3">betaltjänstleverantörs konto senast</P></TD>
<TD class="tr15 td198"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6">vid slutet av nästföljande bankdag.</P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft6">vid slutet av nästföljande bankdag.</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=13 class="tr16 td329"><P class="p90 ft6">För betalningstransaktioner som initierats på papper får betaltjänst-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=7 style="padding: 0px;margin: 0px;width: 241px;vertical-align: bottom;" class="tr20"><P class="p3 ft7">leverantören förlänga tiden med en bankdag.</P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td140"><P class="p3 ft4">20 §</P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td14"><P class="p75 ft4">42 §</P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=13 class="tr15 td329"><P class="p90 ft3">Betalningsmottagarens betaltjänstleverantör ska valutera och göra</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=13 class="tr16 td329"><P class="p3 ft5">betalningstransaktionens belopp tillgängligt på mottagarens betalkonto.</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=13 class="tr16 td329"><P class="p90 ft5">Valuteringsdagen för kreditering av betalningsmottagarens betalkonto</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=13 class="tr15 td329"><P class="p3 ft5">ska vara senast den bankdag då betalningstransaktionens belopp kredi-</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 273px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">teras mottagarens betaltjänstleverantörs konto.</P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr16"><P class="p90 ft7">Betalningsmottagarens</P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p154 ft7">betal-</P></TD>
<TD colspan=5 class="tr16 td206"><P class="p153 ft7">Betalningsmottagarens</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p42 ft6">betal-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p3 ft5">tjänstleverantör ska säkerställa att</P></TD>
<TD colspan=4 class="tr15 td108"><P class="p75 ft3">tjänstleverantör ska</P></TD>
<TD colspan=3 class="tr15 td210"><P class="p42 ft7">säkerställa att</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr16"><P class="p3 ft7">betalningstransaktionens</P></TD>
<TD colspan=2 class="tr16 td153"><P class="p154 ft6">belopp</P></TD>
<TD colspan=5 class="tr16 td206"><P class="p75 ft7">betalningstransaktionens</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p42 ft6">belopp</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft5">ställs till mottagarens förfogande så</P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft5">ställs till mottagarens förfogande så</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p3 ft3">snart som möjligt efter det att</P></TD>
<TD colspan=7 class="tr15 td219"><P class="p75 ft3">snart som möjligt efter det att</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td77"><P class="p3 ft6">beloppet krediteras</P></TD>
<TD colspan=3 class="tr16 td18"><P class="p154 ft7">mottagarens</P></TD>
<TD colspan=4 class="tr16 td108"><P class="p75 ft6">beloppet krediteras</P></TD>
<TD colspan=3 class="tr16 td210"><P class="p42 ft6">mottagarens</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td198"><P class="p3 ft5">leverantörs konto.</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td57"><P class="p75 ft6">leverantörs</P></TD>
<TD colspan=2 class="tr16 td119"><P class="p146 ft6">konto.</P></TD>
<TD colspan=3 class="tr16 td210"><P class="p42 ft4">Detta gäller</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td14"><P class="p75 ft4">även</P></TD>
<TD colspan=2 class="tr15 td55"><P class="p27 ft41">betalningar</P></TD>
<TD colspan=2 class="tr15 td142"><P class="p93 ft4">inom</P></TD>
<TD class="tr15 td94"><P class="p198 ft4">en</P></TD>
<TD class="tr15 td90"><P class="p42 ft4">och</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td140"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td270"><P class="p75 ft4">samma betaltjänstleverantör.</P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=13 class="tr16 td329"><P class="p90 ft6">Valuteringsdagen för debitering av betalarens betalkonto infaller</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=13 class="tr20 td329"><P class="p3 ft5">tidigast när betalningstransaktionens belopp debiteras detta betalkonto.</P></TD>
<TD class="tr20 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td140"><P class="p3 ft4">21 §</P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td14"><P class="p75 ft4">43 §</P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td268"><P class="p90 ft5">Om betalningsmottagaren</P></TD>
<TD class="tr15 td177"><P class="p154 ft3">inte</P></TD>
<TD class="tr15 td14"><P class="p153 ft3">Om</P></TD>
<TD colspan=5 class="tr15 td163"><P class="p76 ft5">betalningsmottagaren</P></TD>
<TD class="tr15 td90"><P class="p42 ft3">inte</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6">har något betalkonto hos betal-</P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft6">har något betalkonto hos betal-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td198"><P class="p3 ft5">tjänstleverantören</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p74 ft6">som</P></TD>
<TD class="tr16 td33"><P class="p129 ft6">tar</P></TD>
<TD class="tr16 td177"><P class="p154 ft6">emot</P></TD>
<TD colspan=3 class="tr16 td24"><P class="p75 ft5">tjänstleverantören</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p74 ft6">som</P></TD>
<TD class="tr16 td94"><P class="p307 ft5">tar</P></TD>
<TD class="tr16 td90"><P class="p42 ft7">emot</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p3 ft3">medlen, ska denne göra dem</P></TD>
<TD colspan=7 class="tr15 td219"><P class="p75 ft3">medlen, ska denne göra dem</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td140"><P class="p3 ft6">tillgängliga</P></TD>
<TD colspan=4 class="tr16 td137"><P class="p218 ft6">för mottagaren</P></TD>
<TD class="tr16 td177"><P class="p154 ft6">inom</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p75 ft6">tillgängliga</P></TD>
<TD colspan=4 class="tr16 td175"><P class="p154 ft6">för mottagaren</P></TD>
<TD class="tr16 td90"><P class="p42 ft7">inom</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr20 td102"><P class="p3 ft3">den tid som anges i <SPAN class="ft4">18 </SPAN>och <SPAN class="ft4">19 </SPAN>§§<SPAN class="ft4">.</SPAN></P></TD>
<TD colspan=7 class="tr20 td219"><P class="p75 ft3">den tid som anges i <SPAN class="ft4">40 </SPAN>och <SPAN class="ft4">41 </SPAN>§§<SPAN class="ft4">.</SPAN></P></TD>
<TD class="tr20 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td177"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr29 td270"><P class="p75 ft58">Betalningsorder med unik</P></TD>
<TD class="tr29 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td177"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr20 td24"><P class="p75 ft65">identifikationskod</P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td140"><P class="p3 ft4">23 §</P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td14"><P class="p75 ft4">45 §</P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=13 class="tr16 td329"><P class="p90 ft5">Om en betalningsorder utförts med hjälp av en unik identifikationskod,</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=13 class="tr15 td329"><P class="p3 ft5">ska betalningsordern anses ha utförts korrekt i förhållande till den betal-</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 style="padding: 0px;margin: 0px;width: 273px;vertical-align: bottom;" class="tr16"><P class="p3 ft7">ningsmottagare som angetts i identifikationskoden.</P></TD>
<TD class="tr16 td164"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p90 ft6">Om den unika identifikationskod</P></TD>
<TD colspan=7 class="tr16 td219"><P class="p153 ft6">Om den unika identifikationskod</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p3 ft3">som angetts av betaltjänstanvänd-</P></TD>
<TD colspan=7 class="tr15 td219"><P class="p75 ft3">som angetts av betaltjänstanvänd-</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6">aren är felaktig, ska betaltjänst-</P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft6">aren är felaktig, ska betaltjänst-</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td140"><P class="p3 ft5">leverantören</P></TD>
<TD class="tr16 td164"><P class="p130 ft6">inte</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p130 ft6">vara</P></TD>
<TD colspan=2 class="tr16 td153"><P class="p154 ft6">ansvarig</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p75 ft5">leverantören</P></TD>
<TD class="tr16 td164"><P class="p27 ft6">inte</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p130 ft6">vara</P></TD>
<TD colspan=2 class="tr16 td103"><P class="p42 ft6">ansvarig</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p3 ft3">enligt <NOBR><SPAN class="ft4">25</SPAN>–<SPAN class="ft4">29</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ för att betalnings-</P></TD>
<TD colspan=7 class="tr15 td219"><P class="p75 ft3">enligt <NOBR><SPAN class="ft4">47–53</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ för att betalnings-</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6">transaktionen inte har genomförts</P></TD>
<TD colspan=3 class="tr16 td24"><P class="p75 ft5">transaktionen inte</P></TD>
<TD colspan=4 class="tr16 td113"><P class="p42 ft6">har genomförts</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6">eller för brister i genomförandet av</P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft6">eller för brister i genomförandet av</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td198"><P class="p3 ft3">transaktionen.</P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td24"><P class="p75 ft3">transaktionen.</P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr16"><P class="p90 ft5">Betaltjänstleverantören</P></TD>
<TD class="tr16 td33"><P class="p27 ft6">till</P></TD>
<TD class="tr16 td177"><P class="p154 ft6">den</P></TD>
<TD colspan=5 class="tr16 td206"><P class="p153 ft5">Betaltjänstleverantören</P></TD>
<TD class="tr16 td94"><P class="p218 ft6">till</P></TD>
<TD class="tr16 td90"><P class="p42 ft6">den</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft5">betaltjänstanvändare som lämnade</P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft6">betaltjänstanvändare som lämnade</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td198"><P class="p3 ft3">betalningsordern</P></TD>
<TD class="tr15 td94"><P class="p3 ft3">ska</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p129 ft3">dock</P></TD>
<TD class="tr15 td177"><P class="p154 ft3">vidta</P></TD>
<TD colspan=3 class="tr15 td24"><P class="p75 ft3">betalningsordern</P></TD>
<TD colspan=3 class="tr15 td149"><P class="p154 ft3">ska dock</P></TD>
<TD class="tr15 td90"><P class="p42 ft3">vidta</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr28 td102"><P class="p3 ft3">skäliga åtgärder för att få tillbaka</P></TD>
<TD colspan=7 class="tr28 td219"><P class="p75 ft3">skäliga åtgärder för att få tillbaka</P></TD>
<TD class="tr28 td198"><P class="p17 ft3">609</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_610" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">610</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 190px;overflow: hidden;">
<P class="p53 ft40">de medel som betalningstransak- tionen avsåg. Leverantören får ta ut en avgift av användaren för de åtgärder som vidtas, om ett ram- avtal med användaren medger det.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 15px;padding: 0px;border:none;width: 194px;overflow: hidden;">
<P class="p53 ft5">de medel som betalningstransak- tionen avsåg. Leverantören får ta ut en avgift av användaren för de åtgärder som vidtas, om ett ram- avtal med användaren medger det.</P>
<P class="p905 ft4">Betalningsmottagarens betaltjänst- leverantör ska bistå leverantören och lämna all tillgänglig informa- tion som är relevant för att medlen ska kunna återfås.</P>
<P class="p303 ft4">Om det inte är möjligt att få tillbaka de medel som betalnings- transaktionen avsåg, ska betal- tjänstanvändarens betaltjänst- leverantör på skriftlig begäran ge den betaltjänstanvändare som lämnade betalningsordern all till- gänglig information som denne behöver för att få tillbaka medlen genom ett rättsligt förfarande.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 15px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 359px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td196"><P class="p3 ft69">Betalningstransaktioner som</P></TD>
<TD class="tr2 td349"><P style="text-align: left;padding-left: 23px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft65">Betalningstransaktioner som</P></TD>
</TR>
<TR>
<TD class="tr20 td196"><P class="p3 ft69">initierats av betalaren</P></TD>
<TD class="tr20 td349"><P style="text-align: left;padding-left: 23px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft58">initierats av betalaren</P></TD>
</TR>
<TR>
<TD class="tr29 td196"><P class="p3 ft4">25 §</P></TD>
<TD class="tr29 td349"><P style="text-align: left;padding-left: 23px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">47 §</P></TD>
</TR>
</TABLE>
<P class="p606 ft6">Betalarens betaltjänstleverantör ansvarar gentemot betalaren för att en</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 13px 'Arial';">
<TR>
<TD colspan=11 class="tr15 td0"><P class="p3 ft7">betalningsorder som betalaren har initierat utförs korrekt.</P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p31 ft6">Om</P></TD>
<TD colspan=3 class="tr16 td103"><P class="p74 ft7">betalarens</P></TD>
<TD colspan=4 class="tr16 td116"><P class="p181 ft6">betaltjänstleve-</P></TD>
<TD class="tr16 td90"><P class="p18 ft5">Om</P></TD>
<TD colspan=2 class="tr16 td53"><P class="p130 ft6">betalarens</P></TD>
<TD colspan=4 class="tr16 td205"><P class="p17 ft6">betaltjänstleve-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td102"><P class="p3 ft3">rantör kan styrka att mottagarens</P></TD>
<TD colspan=7 class="tr15 td102"><P class="p75 ft5">rantör kan styrka att mottagarens</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft5">leverantör har tagit emot betalnings-</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft7">leverantör har tagit emot betalnings-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td134"><P class="p3 ft6">transaktionens belopp</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p3 ft6">enligt</P></TD>
<TD class="tr16 td135"><P class="p181 ft41">18 <SPAN class="ft5">§,</SPAN></P></TD>
<TD colspan=4 class="tr16 td159"><P class="p75 ft6">transaktionens belopp</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p3 ft6">enligt</P></TD>
<TD class="tr16 td126"><P class="p17 ft41">40 <SPAN class="ft5">§,</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td9"><P class="p3 ft3">ansvarar</P></TD>
<TD colspan=3 class="tr15 td18"><P class="p70 ft7">mottagarens</P></TD>
<TD class="tr15 td389"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td149"><P class="p181 ft5">leverantör</P></TD>
<TD colspan=4 class="tr15 td159"><P class="p75 ft3">ansvarar mottagarens</P></TD>
<TD colspan=3 class="tr15 td149"><P class="p27 ft3">leverantör</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td9"><P class="p3 ft5">gentemot</P></TD>
<TD class="tr16 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td153"><P class="p3 ft7">mottagaren</P></TD>
<TD class="tr16 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td126"><P class="p75 ft6">för</P></TD>
<TD class="tr16 td135"><P class="p181 ft6">att</P></TD>
<TD colspan=2 class="tr16 td165"><P class="p75 ft6">gentemot</P></TD>
<TD colspan=2 class="tr16 td55"><P class="p146 ft7">mottagaren</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p148 ft6">för</P></TD>
<TD class="tr16 td126"><P class="p17 ft6">att</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr20 td102"><P class="p3 ft3">transaktionen genomförs korrekt.</P></TD>
<TD colspan=7 class="tr20 td102"><P class="p75 ft5">transaktionen genomförs korrekt.</P></TD>
</TR>
<TR>
<TD class="tr29 td34"><P class="p3 ft4">26 §</P></TD>
<TD class="tr29 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td135"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td90"><P class="p75 ft4">48 §</P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td34"><P class="p31 ft6">Om</P></TD>
<TD class="tr16 td11"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td18"><P class="p3 ft6">betalarens</P></TD>
<TD colspan=3 class="tr16 td208"><P class="p181 ft5">betaltjänst-</P></TD>
<TD class="tr16 td90"><P class="p18 ft5">Om</P></TD>
<TD colspan=3 class="tr16 td107"><P class="p228 ft7">betalarens</P></TD>
<TD colspan=3 class="tr16 td149"><P class="p17 ft5">betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td102"><P class="p3 ft3">leverantör ansvarar för genom-</P></TD>
<TD colspan=7 class="tr15 td102"><P class="p75 ft3">leverantör ansvarar för genom-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">förandet av en betalningstrans-</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft6">förandet av en betalningstrans-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">aktion enligt <SPAN class="ft4">25 § </SPAN>första stycket,</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft6">aktion enligt <SPAN class="ft4">47 </SPAN>§ första stycket,</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td156"><P class="p3 ft3">ska leverantören</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p31 ft7">utan</P></TD>
<TD colspan=2 class="tr15 td149"><P class="p181 ft3">onödigt</P></TD>
<TD class="tr15 td90"><P class="p75 ft3">ska</P></TD>
<TD colspan=2 class="tr15 td53"><P class="p134 ft7">leverantören</P></TD>
<TD colspan=2 class="tr15 td20"><P class="p75 ft3">utan</P></TD>
<TD colspan=2 class="tr15 td20"><P class="p17 ft3">onödigt</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft6">dröjsmål <SPAN class="ft4">återbetala </SPAN>beloppet i en</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft5">dröjsmål <SPAN class="ft41">betala tillbaka </SPAN>beloppet i</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td98"><P class="p3 ft6">transaktion</P></TD>
<TD class="tr16 td66"><P class="p146 ft6">som</P></TD>
<TD class="tr16 td126"><P class="p3 ft6">inte</P></TD>
<TD colspan=3 class="tr16 td208"><P class="p181 ft7">genomförts</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft7">en transaktion som inte genomförts</P></TD>
</TR>
<TR>
<TD class="tr15 td34"><P class="p3 ft3">eller</P></TD>
<TD colspan=3 class="tr15 td103"><P class="p3 ft3">genomförts</P></TD>
<TD colspan=3 class="tr15 td149"><P class="p41 ft3">bristfälligt</P></TD>
<TD class="tr15 td135"><P class="p181 ft3">till</P></TD>
<TD class="tr15 td90"><P class="p75 ft3">eller</P></TD>
<TD colspan=2 class="tr15 td53"><P class="p134 ft7">genomförts</P></TD>
<TD colspan=3 class="tr15 td166"><P class="p71 ft3">bristfälligt</P></TD>
<TD class="tr15 td126"><P class="p27 ft3">till</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft5">betalaren eller återställa det debite-</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft7">betalaren eller återställa det debite-</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td102"><P class="p3 ft5">rade betalkontots <SPAN class="ft41">kontoställning </SPAN>till</P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft5">rade betalkontots <SPAN class="ft41">ställning </SPAN>till den</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td102"><P class="p3 ft5">den som det skulle ha haft om den</P></TD>
<TD colspan=7 class="tr15 td102"><P class="p75 ft3">som det skulle ha haft om den</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td98"><P class="p3 ft6">bristfälligt</P></TD>
<TD colspan=3 class="tr16 td140"><P class="p146 ft7">genomförda</P></TD>
<TD colspan=2 class="tr16 td149"><P class="p181 ft6">transak-</P></TD>
<TD colspan=2 class="tr16 td165"><P class="p75 ft6">bristfälligt</P></TD>
<TD colspan=3 class="tr16 td47"><P class="p70 ft6">genomförda</P></TD>
<TD colspan=2 class="tr16 td20"><P class="p17 ft7">transak-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td159"><P class="p3 ft7">tionen inte hade ägt rum.</P></TD>
<TD class="tr16 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr16 td102"><P class="p75 ft6">tionen inte hade ägt rum. <SPAN class="ft4">Valute-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td165"><P class="p75 ft4">ringsdagen</P></TD>
<TD class="tr15 td177"><P class="p182 ft4">för</P></TD>
<TD colspan=3 class="tr15 td166"><P class="p3 ft41">kreditering</P></TD>
<TD class="tr15 td126"><P class="p27 ft4">av</P></TD>
</TR>
<TR>
<TD class="tr28 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td11"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td126"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td135"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td165"><P class="p75 ft4">betalarens</P></TD>
<TD colspan=2 class="tr28 td55"><P class="p3 ft4">betalkonto</P></TD>
<TD class="tr28 td67"><P class="p1 ft41">ska</P></TD>
<TD colspan=2 class="tr28 td20"><P class="p27 ft4">infalla</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_611" style="position:relative; overflow: hidden;margin: 49px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 32px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft64">Om betalningsmottagarens betal- tjänstleverantör ansvarar för genomförandet av en transaktion enligt <SPAN class="ft63">25 </SPAN>§ andra stycket ska leve- rantören så snart som möjligt ställa transaktionens belopp till betal- ningsmottagarens förfogande eller kreditera mottagarens betalkonto med motsvarande belopp.</P>
<P style="text-align: justify;margin-top: 87px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om en betalare har initierat en betalningsorder, och betalnings- transaktionen inte genomförs eller genomförs bristfälligt, ska betalar- ens betaltjänstleverantör på begäran av betalaren så snart som möjligt försöka spåra betalnings- transaktionen och underrätta betalaren om resultatet<SPAN class="ft3">.</SPAN></P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 16px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p758 ft50">senast den dag då beloppet debite- rades kontot.</P>
<P class="p611 ft5">Om betalningsmottagarens betal- tjänstleverantör ansvarar för genomförandet av en transaktion enligt <SPAN class="ft41">47 </SPAN>§ andra stycket ska leve- rantören så snart som möjligt ställa transaktionens belopp till betal- ningsmottagarens förfogande eller kreditera mottagarens betalkonto med motsvarande belopp. <SPAN class="ft41">Valu- teringsdagen för kreditering av betalningsmottagarens betalkonto ska infalla senast den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt.</SPAN></P>
<P class="p519 ft41">Om en betalningstransaktion inte genomförs i enlighet med 40 §, ska betalningsmottagarens betaltjänstleverantör, på begäran av betalarens betaltjänstleveran- tör, se till att valuteringsdagen för kreditering av betalningsmottag- arens konto infaller senast den dag då beloppet skulle ha valuterats om betalningstransaktionen hade genomförts korrekt<SPAN class="ft5">.</SPAN></P>
<P style="text-align: justify;padding-right: 13px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Det är den kontoförvaltande betaltjänstleverantören som ska återställa det debiterade betal- kontots ställning enligt första stycket även om en leverantör av en betalningsinitieringstjänst har initierat den felaktigt genomförda transaktionen.</P>
<P class="p272 ft4">49 §</P>
<P class="p786 ft4">Om en betalningstransaktion som initierats av betalaren inte genomförs eller genomförs brist- fälligt, ska betalarens betaltjänst- leverantör på begäran av betalaren så snart som möjligt försöka spåra betalningstransak- tionen och underrätta betalaren om resultatet. Detta ska vara avgiftsfritt för betalaren<SPAN class="ft3">.</SPAN></P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">611</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_612" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">612</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 13px 'Arial';">
<TR>
<TD colspan=5 class="tr2 td102"><P class="p3 ft69">Betalningstransaktioner som</P></TD>
<TD colspan=4 class="tr2 td191"><P class="p75 ft58">Betalningstransaktioner som</P></TD>
<TD class="tr2 td164"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td64"><P class="p3 ft69">initierats av eller via</P></TD>
<TD class="tr15 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td253"><P class="p75 ft58">initierats av eller via</P></TD>
<TD class="tr15 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr28 td64"><P class="p3 ft69">betalningsmottagaren</P></TD>
<TD class="tr28 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td177"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td253"><P class="p75 ft58">betalningsmottagaren</P></TD>
<TD class="tr28 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td164"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td154"><P class="p3 ft4">27 §</P></TD>
<TD class="tr27 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td122"><P class="p75 ft4">50 §</P></TD>
<TD class="tr27 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td389"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td164"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td159"><P class="p31 ft7">Betalningsmottagarens</P></TD>
<TD class="tr16 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td177"><P class="p181 ft5">betal-</P></TD>
<TD colspan=3 class="tr16 td97"><P class="p18 ft7">Betalningsmottagarens</P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p27 ft7">betal-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td102"><P class="p3 ft6">tjänstleverantör ansvarar gentemot</P></TD>
<TD colspan=5 class="tr16 td102"><P class="p75 ft7">tjänstleverantör ansvarar gentemot</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td102"><P class="p3 ft5">mottagaren för att betalningstrans-</P></TD>
<TD colspan=5 class="tr15 td102"><P class="p75 ft5">mottagaren för att betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft6">aktionens</P></TD>
<TD class="tr16 td141"><P class="p134 ft7">belopp</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p1 ft6">ställs</P></TD>
<TD class="tr16 td177"><P class="p181 ft6">till</P></TD>
<TD class="tr16 td122"><P class="p75 ft6">aktionens</P></TD>
<TD class="tr16 td141"><P class="p134 ft7">belopp</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p1 ft6">ställs</P></TD>
<TD class="tr16 td164"><P class="p17 ft6">till</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td102"><P class="p3 ft5">mottagarens förfogande enligt <SPAN class="ft41">20 </SPAN>§</P></TD>
<TD colspan=5 class="tr16 td102"><P class="p75 ft7">mottagarens förfogande enligt <SPAN class="ft72">42 </SPAN>§</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td102"><P class="p3 ft3">och för att en betalningsorder som</P></TD>
<TD colspan=5 class="tr15 td102"><P class="p75 ft5">och för att en betalningsorder som</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td102"><P class="p3 ft6">initierats av eller via mottagaren</P></TD>
<TD colspan=5 class="tr16 td102"><P class="p75 ft6">initierats av eller via mottagaren</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft6">överförs</P></TD>
<TD class="tr16 td141"><P class="p182 ft6">korrekt till</P></TD>
<TD class="tr16 td161"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td149"><P class="p181 ft7">betalarens</P></TD>
<TD class="tr16 td122"><P class="p75 ft6">överförs</P></TD>
<TD class="tr16 td141"><P class="p182 ft6">korrekt till</P></TD>
<TD class="tr16 td389"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td104"><P class="p17 ft7">betalarens</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td64"><P class="p3 ft3">betaltjänstleverantör</P></TD>
<TD class="tr15 td161"><P class="p3 ft3">i</P></TD>
<TD colspan=2 class="tr15 td149"><P class="p181 ft3">enlighet</P></TD>
<TD colspan=2 class="tr15 td253"><P class="p75 ft3">betaltjänstleverantör</P></TD>
<TD class="tr15 td389"><P class="p3 ft3">i</P></TD>
<TD colspan=2 class="tr15 td104"><P class="p17 ft3">enlighet</P></TD>
</TR>
<TR>
<TD class="tr21 td154"><P class="p3 ft23">med <SPAN class="ft62">19 </SPAN>§.</P></TD>
<TD class="tr21 td141"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td161"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td162"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td177"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td122"><P class="p75 ft23">med <SPAN class="ft62">41 </SPAN>§.</P></TD>
<TD class="tr21 td141"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td389"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td94"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td164"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p145 ft5">En betaltjänstleverantör som är ansvarig enligt första stycket och har försökt utföra en betalningsorder ska så snart som möjligt överföra den berörda betalningsordern på nytt till betalarens betaltjänstleverantör.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 5px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Om en betalningsorder inte överförs i enlighet med 41 §, ska beloppet valuteras på betalnings- mottagarens betalkonto senast den dag då beloppet skulle ha valuterats om betalningsordern hade överförts korrekt.</P>
</DIV>
<DIV style="border:none;margin: 9px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P class="p15 ft4">28 §</P>
<P style="text-align: justify;padding-right: 15px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft5">Betalarens betaltjänstleverantör ansvarar gentemot betalaren för en inte genomförd eller bristfälligt genomförd betalningstransaktion som initierats av eller via betal- ningsmottagaren, utom då mot- tagarens betaltjänstleverantör ansvarar gentemot mottagaren enligt <SPAN class="ft41">27 </SPAN>§<SPAN class="ft41">.</SPAN></P>
<P style="text-align: justify;padding-right: 15px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft64">En betalares betaltjänstleve- rantör som är ansvarig enligt första stycket ska <SPAN class="ft63">återbetala </SPAN>betalnings- transaktionens belopp till betalaren eller återställa det debiterade betal- kontots <SPAN class="ft63">kontoställning </SPAN>till den som det skulle ha haft om den brist- fälligt genomförda transaktionen inte hade ägt rum.</P>
<P style="text-align: justify;padding-right: 16px;margin-top: 71px;margin-bottom: 0px;text-indent: 11px;" class="ft56">Om en betalningstransaktion initierats av eller via betalnings-</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p15 ft4">51 §</P>
<P class="p463 ft6">Betalarens betaltjänstleverantör ansvarar gentemot betalaren för en inte genomförd eller bristfälligt genomförd betalningstransaktion som initierats av eller via betal- ningsmottagaren, utom då mot- tagarens betaltjänstleverantör ansvarar gentemot mottagaren enligt <SPAN class="ft4">50 </SPAN>§<SPAN class="ft4">.</SPAN></P>
<P class="p214 ft5">En betalares betaltjänstleve- rantör som är ansvarig enligt första stycket ska <SPAN class="ft41">betala tillbaka </SPAN>betalningstransaktionens belopp till betalaren eller återställa det debi- terade betalkontots <SPAN class="ft41">ställning </SPAN>till den som det skulle ha haft om den bristfälligt genomförda transak- tionen inte hade ägt rum. <SPAN class="ft41">Valu- teringsdagen för kreditering av betalarens betalkonto ska infalla senast den dag då beloppet debiterades kontot.</SPAN></P>
<P style="text-align: justify;padding-right: 68px;margin-top: 22px;margin-bottom: 0px;text-indent: 11px;" class="ft56">Andra stycket gäller inte om en betalningstransaktion inte genom-</P>
</DIV>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_613" style="position:relative; overflow: hidden;margin: 49px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p53 ft41">mottagaren, och transaktionen inte genomförs eller genomförs brist- fälligt, ska mottagarens betaltjänst- leverantör på begäran av mottag- aren så snart som möjligt försöka spåra betalningstransaktionen och underrätta mottagaren om resul- tatet.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 16px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p758 ft4">förs i enlighet med 40 § men betalarens betaltjänstleverantör kan styrka att betalningsmot- tagarens betaltjänstleverantör har tagit emot betalningstransak- tionens belopp. Betalningsmot- tagarens betaltjänstleverantör ska då valutera beloppet på betal- ningsmottagarens betalkonto senast den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt.</P>
<P class="p335 ft4">52 §</P>
<P class="p655 ft41">Om en betalningstransaktion som initierats av eller via betalningsmottagaren inte genom- förs eller genomförs bristfälligt, ska mottagarens betaltjänstleverantör på begäran av mottagaren så snart som möjligt försöka spåra betalningstransaktionen och underrätta mottagaren om resul- tatet. Detta ska vara avgiftsfritt för mottagaren.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 32px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P class="p15 ft4">30 54 §</P>
<P class="p611 ft6">Betaltjänstleverantören får kräva att betaltjänstanvändaren ansvarar för betalningstransaktionens belopp, om användaren inte underrättar leveran- tören utan onödigt dröjsmål efter att ha fått vetskap om att transaktionen genomförts på ett felaktigt sätt. Detsamma gäller om leverantören har lämnat information om transaktionen till användaren eller gjort informa- tionen tillgänglig för denne enligt bestämmelserna i 4 kap. och använd- aren inte underrättar leverantören inom 13 månader från det att beloppet belastat kontot.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Det är den kontoförvaltande betaltjänstleverantören som ska underrättas enligt första stycket även om en leverantör av betal- ningsinitieringstjänster har initi- erat den felaktigt genomförda betalningstransaktionen.</P>
<P style="text-align: left;padding-left: 205px;padding-right: 83px;margin-top: 17px;margin-bottom: 0px;" class="ft69">Ansvar för obehöriga transaktioner</P>
<P style="text-align: left;padding-left: 205px;margin-top: 12px;margin-bottom: 0px;" class="ft4">55 §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Om det har genomförts en obe- hörig transaktion från betalarens betalkonto, ska betalarens betal- tjänstleverantör, om inget annat</P>
</DIV>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">613</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_614" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 367px;overflow: hidden;">
<P style="text-align: right;padding-right: 225px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">614</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P class="p460 ft4">följer av <NOBR>56–60</NOBR> §§, omedelbart eller senast i slutet av den bankdag som inträffar efter det att leverantören har fått kännedom om den obehöriga transaktionen betala tillbaka beloppet genom att återställa det debiterade betal- kontot till den ställning som det skulle ha haft om den obehöriga transaktionen inte hade gjorts. Valuteringsdagen för kreditering av betalarens betalkonto ska infalla senast den dag då beloppet debiterades.</P>
<P class="p628 ft4">Om betaltjänstleverantören har rimlig anledning att misstänka att betalaren genom svikligt hand- lande har bidragit till den obe- höriga transaktionen, har leveran- tören dock alltid rätt till en skälig tid att undersöka transaktionen. Leverantören ska samtidigt skrift- ligen underrätta Finansinspek- tionen om anledningen till att kontot inte omedelbart återställs.</P>
<P class="p878 ft50">Det är den kontoförvaltande betaltjänstleverantören som ska betala tillbaka beloppet enligt första stycket även om en lever- antör av betalningsinitierings- tjänster har initierat den obehör- iga transaktionen.</P>
<P class="p701 ft4">56 §</P>
<P class="p1123 ft4">Om en obehörig transaktion har kunnat genomföras till följd av att ett betalningsinstrument kommit bort eller obehörigen använts, får betaltjänstleverantören kräva att betalaren står för beloppet, dock högst 400 kronor.</P>
<P class="p628 ft41">Första stycket gäller inte om betalaren inte kunnat upptäcka att betalningsinstrumentet kommit bort eller använts obehörigen innan den obehöriga transaktionen genomfördes eller om betaltjänst- leverantören har orsakat den för- lust som uppkommit till följd av den obehöriga transaktionen.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_615" style="position:relative; overflow: hidden;margin: 49px 0px 79px 273px;padding: 0px;border: none;width: 351px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p15 ft4">57 §</P>
<P class="p514 ft4">Om en obehörig transaktion har kunnat genomföras till följd av att betalaren genom grov oaktsamhet har åsidosatt sina skyldigheter enligt 6 §, ansvarar betalaren för hela beloppet.</P>
<P class="p746 ft50">Om betalaren är konsument är ansvaret enligt första stycket begränsat till högst 12 000 kronor. Har betalaren handlat särskilt klandervärt, ansvarar betalaren dock för hela beloppet.</P>
<P class="p270 ft4">58 §</P>
<P class="p884 ft4">Oavsett det som anges i 56 och 57 §§ ska betalaren inte ansvara för något belopp som har belastat kontot efter det att denne har anmält till betaltjänstleverantören att betalningsinstrumentet ska spärras. Detta gäller dock inte om betalaren genom svikligt handlande har bidragit till den obehöriga transaktionen.</P>
<P class="p335 ft4">59 §</P>
<P class="p611 ft41">Om betalarens betaltjänstleve- rantör inte har krävt stark kund- autentisering när betalaren initierat en elektronisk betalnings- transaktion, ska leverantören, oav- sett det som anges i 56 och 57 §§, stå för hela beloppet för en obehörig transaktion. Detta gäller dock inte om betalaren genom svikligt handlande har bidragit till den obehöriga transaktionen.</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 21px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om betalningsmottagaren eller dennes betaltjänstleverantör inte har godtagit stark kundautenti- sering, ska den part som inte godtagit detta ersätta betalarens betaltjänstleverantör för de förluster som uppkommit hos leverantören enligt första stycket.</P>
<P class="p272 ft4">60 §</P>
<P class="p784 ft39">Betalaren ansvarar för hela beloppet om betalaren inte under- rättar betaltjänstleverantören utan</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">615</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_616" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">616</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 13px 'Arial';">
<TR>
<TD class="tr2 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr2 td102"><P class="p75 ft4">onödigt dröjsmål efter att ha fått</P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft41">vetskap om den obehöriga transak-</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">tionen. Detsamma gäller om leve-</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td55"><P class="p75 ft4">rantören</P></TD>
<TD class="tr16 td33"><P class="p3 ft4">har</P></TD>
<TD colspan=3 class="tr16 td46"><P class="p70 ft4">lämnat</P></TD>
<TD colspan=2 class="tr16 td55"><P class="p17 ft41">information</P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft41">om transaktionen till betalaren och</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">denne inte underrättar leveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">tören inom tretton månader från</P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft4">det att beloppet belastat kontot.</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td200"><P class="p18 ft4">Det</P></TD>
<TD class="tr16 td100"><P class="p3 ft4">är</P></TD>
<TD colspan=2 class="tr16 td164"><P class="p90 ft4">den</P></TD>
<TD colspan=4 class="tr16 td112"><P class="p17 ft4">kontoförvaltande</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td253"><P class="p75 ft41">betaltjänstleverantören</P></TD>
<TD class="tr16 td90"><P class="p90 ft4">som</P></TD>
<TD class="tr16 td162"><P class="p17 ft4">ska</P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td143"><P class="p75 ft4">underrättas enligt</P></TD>
<TD colspan=3 class="tr15 td91"><P class="p27 ft4">första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">även om en leverantör av betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft41">ningsinitieringstjänster har initierat</P></TD>
</TR>
<TR>
<TD class="tr20 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr20 td214"><P class="p75 ft4">den obehöriga transaktionen.</P></TD>
<TD class="tr20 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td200"><P class="p75 ft4">61 §</P></TD>
<TD class="tr29 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p17 ft4">Om även någon annan än</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">betalaren är behörig enligt konto-</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">avtalet att använda ett betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft4">instrument, ska den andra per-</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">sonens handlande räknas som om</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">betalaren själv hade handlat vid</P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td35"><P class="p75 ft4">bedömningen</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p71 ft41">enligt</P></TD>
<TD colspan=3 class="tr15 td91"><P class="p17 ft4"><NOBR>55–60</NOBR> §§ av</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft4">om betalaren ansvarar för något</P></TD>
</TR>
<TR>
<TD class="tr20 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td200"><P class="p75 ft4">belopp.</P></TD>
<TD class="tr20 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td73"><P class="p3 ft4">31 §</P></TD>
<TD class="tr29 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td200"><P class="p75 ft4">62 §</P></TD>
<TD class="tr29 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p181 ft5">Om en betalningstransaktion inte</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p17 ft6">Om en betalningstransaktion inte</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p3 ft3">genomförs eller genomförs brist-</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft3">genomförs eller genomförs brist-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6">fälligt och felet är hänförligt till en</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft5">fälligt <SPAN class="ft41">eller obehörigen </SPAN>och felet är</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td28"><P class="p3 ft5">betaltjänstleverantör</P></TD>
<TD class="tr16 td23"><P class="p72 ft6">eller</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p181 ft7">mellan-</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">hänförligt till en betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td102"><P class="p3 ft3">hand som inte är ansvarig gent-</P></TD>
<TD colspan=2 class="tr15 td55"><P class="p75 ft3">leverantör</P></TD>
<TD colspan=2 class="tr15 td164"><P class="p41 ft3">eller</P></TD>
<TD colspan=3 class="tr15 td136"><P class="p130 ft3">mellanhand</P></TD>
<TD class="tr15 td162"><P class="p17 ft7">som</P></TD>
</TR>
<TR>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 150px;vertical-align: bottom;" class="tr16"><P class="p3 ft5">emot betaltjänstanvändare</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p181 ft6">enligt</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">inte är ansvarig gentemot betal-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6"><NOBR><SPAN class="ft4">25–29</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§, har den leverantör som</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft5">tjänstanvändare enligt <NOBR><SPAN class="ft41">47–53</SPAN></NOBR><SPAN class="ft41"> eller</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft3">ansvarar</P></TD>
<TD colspan=2 class="tr15 td122"><P class="p74 ft3">gentemot</P></TD>
<TD colspan=3 class="tr15 td35"><P class="p181 ft3">en användare</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft5"><NOBR><SPAN class="ft41">55–59</SPAN></NOBR><SPAN class="ft41"> </SPAN>§§, har den leverantör som</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6">enligt dessa bestämmelser rätt till</P></TD>
<TD colspan=5 class="tr16 td143"><P class="p75 ft6">ansvarar gentemot</P></TD>
<TD class="tr16 td151"><P class="p3 ft6">en</P></TD>
<TD colspan=2 class="tr16 td55"><P class="p17 ft6">användare</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6">ersättning av den leverantör eller</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft5">enligt dessa bestämmelser rätt till</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td57"><P class="p3 ft3">mellanhand</P></TD>
<TD class="tr15 td23"><P class="p1 ft3">som</P></TD>
<TD colspan=2 class="tr15 td9"><P class="p3 ft3">orsakade</P></TD>
<TD class="tr15 td164"><P class="p181 ft3">att</P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft3">ersättning av den leverantör eller</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td57"><P class="p3 ft5">transaktionen</P></TD>
<TD class="tr16 td23"><P class="p130 ft6">inte</P></TD>
<TD colspan=3 class="tr16 td35"><P class="p181 ft6">genomfördes</P></TD>
<TD colspan=3 class="tr16 td35"><P class="p75 ft6">mellanhand</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p1 ft6">som</P></TD>
<TD colspan=2 class="tr16 td104"><P class="p146 ft6">orsakade</P></TD>
<TD class="tr16 td162"><P class="p27 ft6">att</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td191"><P class="p3 ft6">eller genomfördes bristfälligt.</P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td35"><P class="p75 ft5">transaktionen</P></TD>
<TD class="tr16 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft6">inte</P></TD>
<TD colspan=3 class="tr16 td91"><P class="p17 ft6">genomfördes</P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft5">eller genomfördes bristfälligt <SPAN class="ft41">eller</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td35"><P class="p75 ft4">obehörigen<SPAN class="ft6">.</SPAN></P></TD>
<TD class="tr16 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td28"><P class="p31 ft6">Ersättningen ska</P></TD>
<TD colspan=2 class="tr16 td9"><P class="p71 ft7">motsvara</P></TD>
<TD class="tr16 td164"><P class="p181 ft6">de</P></TD>
<TD colspan=4 class="tr16 td76"><P class="p18 ft6">Ersättningen</P></TD>
<TD class="tr16 td70"><P class="p72 ft6">ska</P></TD>
<TD colspan=2 class="tr16 td104"><P class="p74 ft7">motsvara</P></TD>
<TD class="tr16 td162"><P class="p17 ft6">de</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td28"><P class="p3 ft3">förluster, inbegripet</P></TD>
<TD colspan=2 class="tr15 td9"><P class="p75 ft3">belopp</P></TD>
<TD class="tr15 td164"><P class="p181 ft7">som</P></TD>
<TD colspan=2 class="tr15 td55"><P class="p75 ft3">förluster,</P></TD>
<TD colspan=5 class="tr15 td146"><P class="p72 ft3">inbegripet belopp</P></TD>
<TD class="tr15 td162"><P class="p17 ft7">som</P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft4">betalts</P></TD>
<TD class="tr16 td180"><P class="p3 ft6">till</P></TD>
<TD colspan=4 class="tr16 td108"><P class="p181 ft7">betaltjänstanvändare,</P></TD>
<TD class="tr16 td200"><P class="p75 ft41">betalats</P></TD>
<TD colspan=2 class="tr16 td66"><P class="p93 ft6">till</P></TD>
<TD colspan=5 class="tr16 td28"><P class="p17 ft7">betaltjänstanvändare,</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p3 ft6">som uppkommit hos betaltjänst-</P></TD>
<TD colspan=8 class="tr16 td102"><P class="p75 ft6">som uppkommit hos betaltjänst-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td191"><P class="p3 ft3">leverantören enligt <NOBR><SPAN class="ft4">25</SPAN>–<SPAN class="ft4">29</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§.</P></TD>
<TD class="tr15 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td102"><P class="p75 ft3">leverantören enligt <NOBR><SPAN class="ft4">47</SPAN>–<SPAN class="ft4">53</SPAN></NOBR><SPAN class="ft4"> och</SPAN></P></TD>
</TR>
<TR>
<TD class="tr28 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td180"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td23"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td164"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td55"><P class="p75 ft41"><NOBR>55–59</NOBR> <SPAN class="ft5">§§.</SPAN></P></TD>
<TD class="tr28 td33"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_617" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 573px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr22 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr22 td90"><P class="p75 ft4">63 §</P></TD>
<TD class="tr22 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td219"><P class="p42 ft4">Om en leverantör av betalnings-</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td128"><P class="p75 ft4">initieringstjänster</P></TD>
<TD class="tr16 td68"><P class="p72 ft4">har</P></TD>
<TD class="tr16 td20"><P class="p76 ft41">orsakat</P></TD>
<TD class="tr16 td164"><P class="p42 ft4">att</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p75 ft4">en</P></TD>
<TD colspan=5 class="tr16 td187"><P class="p217 ft4">betalningstransaktion inte</P></TD>
<TD class="tr16 td164"><P class="p42 ft41">har</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td219"><P class="p75 ft4">genomförts eller genomförts brist-</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft4">fälligt eller att en obehörig betal-</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td128"><P class="p75 ft4">ningstransaktion</P></TD>
<TD colspan=2 class="tr16 td165"><P class="p181 ft4">genomförts,</P></TD>
<TD class="tr16 td164"><P class="p42 ft41">ska</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td219"><P class="p75 ft4">leverantören ersätta den kontoför-</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft4">valtande betaltjänstleverantören</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft4">för de förluster, inbegripet belopp</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td219"><P class="p75 ft4">som betalats till betaltjänst-</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td43"><P class="p75 ft4">användaren,</P></TD>
<TD class="tr16 td162"><P class="p3 ft4">som</P></TD>
<TD colspan=2 class="tr16 td165"><P class="p217 ft4">uppkommit</P></TD>
<TD class="tr16 td164"><P class="p42 ft41">hos</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td159"><P class="p75 ft41">betaltjänstleverantören</P></TD>
<TD colspan=2 class="tr16 td18"><P class="p42 ft4">enligt</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr20 td159"><P class="p75 ft4"><NOBR>47–53</NOBR> och <NOBR>55–59</NOBR> §§.</P></TD>
<TD class="tr20 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr31 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr31 td322"><P class="p75 ft69">Hantering av klagomål</P></TD>
<TD class="tr31 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr27 td90"><P class="p75 ft4">65 §</P></TD>
<TD class="tr27 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td90"><P class="p153 ft4">En</P></TD>
<TD colspan=4 class="tr16 td152"><P class="p3 ft4">betaltjänstleverantör ska</P></TD>
<TD class="tr16 td164"><P class="p42 ft4">ha</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td219"><P class="p75 ft4">lämpliga och effektiva förfaranden</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft4">för hantering av klagomål från</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr20 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr20 td159"><P class="p75 ft4">betaltjänstanvändare.</P></TD>
<TD class="tr20 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD style="height: 38px;" class="td102"><P class="p3 ft4">33 §</P></TD>
<TD colspan=2 style="height: 38px;" class="td90"><P class="p75 ft4">66 §</P></TD>
<TD style="height: 38px;" class="td20"><P class="p3 ft46"> </P></TD>
<TD style="height: 38px;" class="td162"><P class="p3 ft46"> </P></TD>
<TD style="height: 38px;" class="td68"><P class="p3 ft46"> </P></TD>
<TD style="height: 38px;" class="td20"><P class="p3 ft46"> </P></TD>
<TD style="height: 38px;" class="td164"><P class="p3 ft46"> </P></TD>
<TD style="height: 38px;" class="td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td329"><P class="p42 ft5">Bestämmelserna i detta kapitel får inte frångås till nackdel för en betal-</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft3">tjänstanvändare.</P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p90 ft6">Första stycket hindrar dock inte</P></TD>
<TD colspan=7 class="tr16 td219"><P class="p42 ft6">Första stycket hindrar dock inte</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft6">att en betaltjänstleverantör kom-</P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft6">att en betaltjänstleverantör kom-</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft3">mer överens med en betaltjänst-</P></TD>
<TD colspan=7 class="tr15 td219"><P class="p75 ft3">mer överens med en betaltjänst-</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft6">användare som inte är konsument</P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft6">användare som inte är konsument</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft5">om avvikelser från bestämmelserna</P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft5">om avvikelser från bestämmelserna</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft3">i 1 § första stycket, <NOBR><SPAN class="ft4">6</SPAN>–<SPAN class="ft4">8</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§,</P></TD>
<TD class="tr15 td27"><P class="p75 ft3">i</P></TD>
<TD class="tr15 td120"><P class="p27 ft5">1 §</P></TD>
<TD class="tr15 td20"><P class="p90 ft3">första</P></TD>
<TD colspan=2 class="tr15 td80"><P class="p93 ft5">stycket,</P></TD>
<TD colspan=2 class="tr15 td18"><P class="p42 ft4"><NOBR>28<SPAN class="ft3">–</SPAN>30</NOBR> <SPAN class="ft3">§§,</SPAN></P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td102"><P class="p3 ft3"><NOBR><SPAN class="ft4">13</SPAN>–<SPAN class="ft4">15</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ och <NOBR><SPAN class="ft4">25</SPAN>–<SPAN class="ft4">30</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§.</P></TD>
<TD colspan=6 class="tr28 td322"><P class="p75 ft3"><NOBR><SPAN class="ft4">35</SPAN>–<SPAN class="ft4">37</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§ och <NOBR><SPAN class="ft4">47</SPAN>–<SPAN class="ft4">59</SPAN></NOBR><SPAN class="ft4"> </SPAN>§§.</P></TD>
<TD class="tr28 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr31 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr31 td128"><P class="p75 ft69">Bemyndiganden</P></TD>
<TD class="tr31 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr31 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr27 td90"><P class="p75 ft4">67 §</P></TD>
<TD class="tr27 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td162"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td68"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td20"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td219"><P class="p42 ft4">Regeringen eller den myndighet</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td90"><P class="p75 ft4">som</P></TD>
<TD colspan=2 class="tr16 td78"><P class="p1 ft4">regeringen</P></TD>
<TD colspan=2 class="tr16 td165"><P class="p154 ft4">bestämmer</P></TD>
<TD class="tr16 td164"><P class="p42 ft4">får</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td219"><P class="p75 ft4">meddela föreskrifter om hur betal-</P></TD>
<TD class="tr16 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td128"><P class="p75 ft4">tjänstleverantörer</P></TD>
<TD class="tr15 td68"><P class="p70 ft4">ska</P></TD>
<TD class="tr15 td20"><P class="p27 ft41">hantera</P></TD>
<TD class="tr15 td164"><P class="p42 ft4">de</P></TD>
<TD class="tr15 td175"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr28 td102"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr28 td322"><P class="p75 ft4">klagomål som avses i 65 §.</P></TD>
<TD class="tr28 td164"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td175"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P style="text-align: right;margin-top: 110px;margin-bottom: 0px;" class="ft3">617</P>
</DIV>
<DIV id="page_618" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 367px;overflow: hidden;">
<P style="text-align: right;padding-right: 225px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">618</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 257px;overflow: hidden;">
<P style="text-align: left;padding-right: 98px;margin-top: 0px;margin-bottom: 0px;" class="ft69">5 a kap. Operativa risker och stark kundautentisering</P>
<P class="p771 ft69">Hantering av operativa risker</P>
<P class="p260 ft4">1 §</P>
<P class="p288 ft4">En betaltjänstleverantör ska ha ett system med lämpliga åtgärder och kontrollmekanismer för att hantera operativa risker och säker- hetsrisker som är förknippade med de betaltjänster som den tillhanda- håller. Inom ramen för detta system ska betaltjänstleverantören reglera hur incidenter ska hanteras.</P>
<P class="p335 ft4">2 §</P>
<P class="p213 ft4">En betaltjänstleverantör ska till Finansinspektionen rapportera vilka operativa risker och säker- hetsrisker som är förknippade med de betaltjänster som den tillhanda- håller och vilka åtgärder som har vidtagits för att hantera dessa risker.</P>
<P class="p878 ft50">Betaltjänstleverantören ska till Finansinspektionen lämna sta- tistiska uppgifter om bedrägerier som har ägt rum i samband med användningen av betaltjänster.</P>
<P class="p270 ft4">3 §</P>
<P class="p213 ft4">En betaltjänstleverantör ska utan onödigt dröjsmål underrätta Finansinspektionen om en allvarlig operativ incident eller säkerhets- incident som uppkommit i verk- samheten.</P>
<P class="p615 ft4">Om incidenten påverkar eller kan påverka betaltjänstanvändar- nas ekonomiska intressen, ska betaltjänstleverantören utan onöd- igt dröjsmål informera använ- darna om den och om alla till- gängliga åtgärder som de kan vidta för att begränsa risken för skada.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_619" style="position:relative; overflow: hidden;margin: 49px 0px 78px 273px;padding: 0px;border: none;width: 351px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 201px;overflow: hidden;">
<P class="p15 ft4">4 §</P>
<P class="p884 ft50">När Finansinspektionen har tagit emot en underrättelse enligt 3 § ska inspektionen utan onödigt dröjsmål lämna relevanta uppgifter om incidenten till Riksbanken och andra berörda svenska myndig- heter, Europeiska bankmyndig- heten och Europeiska central- banken.</P>
<P class="p263 ft69">Stark kundautentisering</P>
<P class="p260 ft4">5 §</P>
<P class="p773 ft50">En betaltjänstleverantör ska tillämpa stark kundautentisering när betalaren</P>
<P class="p514 ft4"><SPAN class="ft4">1.</SPAN><SPAN class="ft52">loggar in på sitt betalkonto online,</SPAN></P>
<P class="p514 ft4"><SPAN class="ft4">2.</SPAN><SPAN class="ft52">initierar en elektronisk betalningstransaktion, eller</SPAN></P>
<P class="p514 ft4"><SPAN class="ft4">3.</SPAN><SPAN class="ft52">genomför någon åtgärd på distans som kan innebära en risk för bedrägeri eller andra former av missbruk.</SPAN></P>
<P class="p611 ft41">För elektroniska betalnings- transaktioner på distans enligt första stycket 2 ska betaltjänst- leverantören tillämpa stark kund- autentisering som förbinder trans- aktionen till ett specifikt belopp och en specifik betalningsmottagare.</P>
<P class="p786 ft4">En betaltjänstleverantör ska skydda betaltjänstanvändarnas personliga behörighetsfunktioner mot obehörig åtkomst och för- vanskning när stark kundautenti- sering tillämpas.</P>
<P class="p746 ft50">Första och andra styckena gäller inte om annat följer av tekniska standarder som antagits av Europeiska kommissionen i enlighet med artikel 98 i betal- tjänstdirektivet.</P>
<P class="p701 ft4">6 §</P>
<P class="p655 ft50">En kontoförvaltande betaltjänst- leverantör som tillhandahåller betaltjänstanvändaren ett betal- konto som är tillgängligt online ska göra det möjligt för leve-</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">619</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_620" style="position:relative; overflow: hidden;margin: 48px 0px 80px 36px;padding: 0px;border: none;width: 588px;">
<DIV style="border:none;margin: 0px 0px 0px 13px;padding: 0px;border:none;width: 507px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 318px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 5</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p53 ft50">rantörer av betalningsinitierings- tjänster och kontoinformations- tjänster att förlita sig på de autentiseringsförfaranden som den tillhandahåller betaltjänst- användaren.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 7px 0px 0px 0px;padding: 0px;border:none;width: 588px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;margin-left: 126px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr19 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr19 td97"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft69">Bemyndiganden</P></TD>
<TD class="tr19 td142"><P class="p3 ft46"> </P></TD>
<TD class="tr19 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr19 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr19 td105"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td242"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td57"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">7 §</P></TD>
<TD class="tr27 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td142"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr27 td105"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td16"><P style="text-align: left;padding-left: 62px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">Regeringen eller den myndighet</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td57"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">som</P></TD>
<TD colspan=4 class="tr16 td78"><P class="p41 ft41">regeringen</P></TD>
<TD colspan=3 class="tr16 td53"><P class="p90 ft4">bestämmer</P></TD>
<TD class="tr16 td105"><P class="p17 ft4">får</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr16 td231"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">meddela föreskrifter om</P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td16"><P style="text-align: left;padding-left: 62px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">1. hur ett system enligt 1 § ska</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td134"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">utformas,</P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td156"><P style="text-align: left;padding-left: 62px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">2. vilka</P></TD>
<TD colspan=3 class="tr16 td136"><P style="text-align: center;padding-left: 7px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">upplysningar</P></TD>
<TD class="tr16 td94"><P class="p218 ft4">en</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p17 ft4">betal-</P></TD>
</TR>
<TR>
<TD class="tr15 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td97"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">tjänstleverantör</P></TD>
<TD colspan=2 class="tr15 td149"><P class="p3 ft4">ska lämna</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p17 ft4">enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">2 § samt hur och när uppgifterna</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td134"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">ska lämnas,</P></TD>
<TD class="tr16 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td156"><P style="text-align: left;padding-left: 62px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">3. vad</P></TD>
<TD class="tr15 td126"><P class="p157 ft4">som</P></TD>
<TD colspan=5 class="tr15 td118"><P class="p27 ft4">utgör en allvarlig</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">operativ incident eller säkerhets-</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">incident enligt 3 § första stycket,</P></TD>
</TR>
<TR>
<TD class="tr15 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td16"><P style="text-align: left;padding-left: 62px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">4. hur bedömningen av om en</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">incident påverkar eller kan påverka</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">betaltjänstanvändarnas ekonomiska</P></TD>
</TR>
<TR>
<TD class="tr15 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">intressen enligt 3 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td97"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">ska göras, och</P></TD>
<TD class="tr16 td142"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td156"><P style="text-align: left;padding-left: 62px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">5. hur</P></TD>
<TD colspan=6 class="tr16 td111"><P class="p17 ft4">betaltjänstanvändarna</P></TD>
</TR>
<TR>
<TD class="tr15 td242"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td57"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">ska</P></TD>
<TD colspan=4 class="tr15 td78"><P class="p3 ft4">informeras</P></TD>
<TD class="tr15 td142"><P class="p1 ft4">enligt</P></TD>
<TD class="tr15 td94"><P class="p129 ft4">3 §</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p17 ft4">andra</P></TD>
</TR>
<TR>
<TD class="tr28 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr28 td156"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">stycket.</P></TD>
<TD class="tr28 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td142"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td105"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr27 td242"><P class="p3 ft42">7 kap. <SPAN class="ft69">Tillträde </SPAN>till</P></TD>
<TD colspan=9 class="tr27 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft69"><SPAN class="ft42">7 kap. </SPAN>Betaltjänstleverantörers</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft80">betalningssystem</P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft78"><SPAN class="ft79">tillträde </SPAN>till betalningssystem <SPAN class="ft79">och</SPAN></P></TD>
</TR>
<TR>
<TD class="tr20 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=6 class="tr20 td231"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft69">tillgång till betalkonto</P></TD>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td242"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td57"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">4 §</P></TD>
<TD class="tr29 td6"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td126"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td142"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 62px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">Om en deltagare i ett betalnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td15"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">system</P></TD>
<TD colspan=2 class="tr15 td142"><P class="p157 ft4">enligt</P></TD>
<TD colspan=5 class="tr15 td118"><P class="p17 ft4">lagen (1999:1309)</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">om system för avveckling av för-</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr16 td156"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">pliktelser</P></TD>
<TD colspan=2 class="tr16 td65"><P class="p191 ft4">på</P></TD>
<TD colspan=4 class="tr16 td116"><P class="p17 ft4">finansmarknaden</P></TD>
</TR>
<TR>
<TD class="tr15 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td15"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">tillåter</P></TD>
<TD class="tr15 td173"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td126"><P class="p242 ft4">en</P></TD>
<TD colspan=5 class="tr15 td118"><P class="p17 ft41">betaltjänstleverantör</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">som inte är deltagare i systemet att</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td15"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">sända</P></TD>
<TD colspan=5 class="tr16 td139"><P class="p172 ft41">överföringsorder</P></TD>
<TD colspan=2 class="tr16 td135"><P class="p17 ft41">genom</P></TD>
</TR>
<TR>
<TD class="tr15 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr15 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">systemet, ska deltagaren på ett</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">objektivt, proportionellt och icke-</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td97"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">diskriminerande</P></TD>
<TD class="tr16 td142"><P class="p130 ft4">sätt</P></TD>
<TD class="tr16 td94"><P class="p218 ft4">ge</P></TD>
<TD class="tr16 td161"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td105"><P class="p27 ft41">även</P></TD>
</TR>
<TR>
<TD class="tr15 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr15 td15"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">andra</P></TD>
<TD colspan=6 class="tr15 td169"><P class="p72 ft41">betaltjänstleverantörer</P></TD>
<TD class="tr15 td105"><P class="p17 ft4">som</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td15"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">begär</P></TD>
<TD colspan=4 class="tr16 td190"><P class="p3 ft4">det motsvarande</P></TD>
<TD colspan=3 class="tr16 td166"><P class="p17 ft4">möjlighet.</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">För sådant indirekt tillträde gäller</P></TD>
</TR>
<TR>
<TD class="tr16 td242"><P class="p3 ft46"> </P></TD>
<TD colspan=9 class="tr16 td16"><P style="text-align: left;padding-left: 50px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">de förutsättningar som anges i 1 §.</P></TD>
</TR>
</TABLE>
<P class="p15 ft3">620</P>
</DIV>
</DIV>
<DIV id="page_621" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 294px;margin-left: 273px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr22 td20"><P class="p90 ft4">Om</P></TD>
<TD class="tr22 td162"><P class="p3 ft4">en</P></TD>
<TD class="tr22 td103"><P class="p1 ft4">deltagare</P></TD>
<TD class="tr22 td90"><P class="p3 ft4">avslår</P></TD>
<TD class="tr22 td164"><P class="p42 ft4">en</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td20"><P class="p3 ft4">sådan</P></TD>
<TD colspan=2 class="tr15 td84"><P class="p41 ft4">begäran om</P></TD>
<TD colspan=2 class="tr15 td53"><P class="p42 ft4">indirekt</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td78"><P class="p3 ft4">tillträde till</P></TD>
<TD colspan=2 class="tr16 td88"><P class="p71 ft4">betalningssystem,</P></TD>
<TD class="tr16 td164"><P class="p42 ft41">ska</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td78"><P class="p3 ft4">deltagaren</P></TD>
<TD colspan=3 class="tr16 td159"><P class="p42 ft4">ge betaltjänstleveran-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr20 td42"><P class="p3 ft4">tören skälen för avslaget.</P></TD>
<TD class="tr20 td164"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 273px;margin-top: 10px;margin-bottom: 0px;" class="ft4">5 §</P>
<P class="p397 ft4">Ett kreditinstitut ska på objek- tiva, <NOBR>icke-diskriminerande</NOBR> och proportionella grunder ge betal- tjänstleverantörer som begär det tillgång till betalkonto. Sådan tillgång ska ges i den omfattning som krävs för att betaltjänst- leverantörer obehindrat och effektivt ska kunna tillhandahålla sina betaltjänster.</P>
<P style="text-align: justify;padding-left: 273px;padding-right: 163px;margin-top: 6px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Om ett kreditinstitut avslår en sådan begäran om tillgång till betalkonto, ska institutet meddela Finansinspektionen och ange skälen för avslaget.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 393px;margin-left: 68px;margin-top: 7px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td268"><P style="text-align: center;padding-right: 103px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft78">8 kap.</P></TD>
<TD class="tr22 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td140"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td268"><P style="text-align: right;padding-right: 118px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">1 §<SPAN class="ft43">13</SPAN></P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td95"><P class="p90 ft5">Finansinspektionen</P></TD>
<TD class="tr15 td66"><P class="p71 ft3">har</P></TD>
<TD colspan=2 class="tr15 td46"><P class="p62 ft5">tillsyn</P></TD>
<TD class="tr15 td95"><P class="p90 ft5">Finansinspektionen</P></TD>
<TD class="tr15 td66"><P class="p71 ft3">har</P></TD>
<TD class="tr15 td66"><P class="p17 ft5">tillsyn</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">över att bestämmelserna i denna</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft6">över att bestämmelserna i denna</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">lag följs, liksom bestämmelserna i</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft7">lag följs, liksom bestämmelserna i</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td95"><P class="p3 ft3">Europaparlamentets</P></TD>
<TD class="tr15 td66"><P style="text-align: center;padding-right: 14px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">och</P></TD>
<TD colspan=2 class="tr15 td46"><P class="p62 ft7">rådets</P></TD>
<TD class="tr15 td95"><P class="p3 ft3">Europaparlamentets</P></TD>
<TD class="tr15 td66"><P class="p3 ft3">och</P></TD>
<TD class="tr15 td66"><P class="p17 ft7">rådets</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">förordning (EG) nr 924/2009 av</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft6">förordning (EG) nr 924/2009 av</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">den 16 september 2009 om gräns-</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft7">den 16 september 2009 om gräns-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td156"><P class="p3 ft3">överskridande</P></TD>
<TD colspan=3 class="tr15 td141"><P class="p326 ft7">betalningar</P></TD>
<TD class="tr15 td34"><P class="p62 ft3">i</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p3 ft7">överskridande betalningar i gemen-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">gemenskapen och om upphävande</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft7">skapen och om upphävande av för-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">av förordning (EG) nr 2560/2001</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft6">ordning (EG) nr 2560/2001 och i</P></TD>
</TR>
<TR>
<TD class="tr15 td75"><P class="p3 ft3">och</P></TD>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">i Europaparlamentets</P></TD>
<TD class="tr15 td34"><P class="p62 ft7">och</P></TD>
<TD class="tr15 td95"><P class="p3 ft3">Europaparlamentets</P></TD>
<TD class="tr15 td66"><P class="p3 ft3">och</P></TD>
<TD class="tr15 td66"><P class="p17 ft7">rådets</P></TD>
</TR>
<TR>
<TD class="tr16 td75"><P class="p3 ft7">rådets</P></TD>
<TD colspan=2 class="tr16 td137"><P class="p18 ft6">förordning</P></TD>
<TD colspan=2 class="tr16 td123"><P class="p75 ft6">(EU)</P></TD>
<TD class="tr16 td34"><P class="p62 ft6">nr</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p3 ft6">förordning (EU) nr 260/2012.</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4"><SPAN class="ft6">260/2012 </SPAN>av den 14 mars 2012 om</P></TD>
<TD class="tr16 td95"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td156"><P class="p3 ft4">antagande av</P></TD>
<TD colspan=2 class="tr15 td104"><P class="p74 ft4">tekniska</P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p62 ft41">och</P></TD>
<TD class="tr15 td95"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td66"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr21 td60"><P class="p3 ft62">affärsmässiga krav för betalningar</P></TD>
<TD class="tr21 td95"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td66"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td66"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 68px;padding-right: 368px;margin-top: 0px;margin-bottom: 0px;" class="ft4">och autogireringar i euro och om ändring av förordning (EG) nr 924/2009<SPAN class="ft3">.</SPAN></P>
<P class="p57 ft64">För betalningsinstitut och registrerade betaltjänstleverantörer omfattar tillsynen även att deras betaltjänstverksamhet drivs enligt andra författ- ningar som reglerar deras verksamhet, bolagsordning, stadgar samt interna instruktioner som har sin grund i en författning som reglerar deras verksamhet. I fråga om tillsynen över övriga betaltjänstleverantörer enligt</P>
<P style="text-align: left;padding-left: 68px;margin-top: 28px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">13 </SPAN>Senaste lydelse 2014:220.</P>
<P class="p14 ft3">621</P>
</DIV>
<DIV id="page_622" style="position:relative; overflow: hidden;margin: 48px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">622</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p15 ft3">1 kap. 3 § gäller bestämmelserna i de lagar som reglerar deras verk-</P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 306px;vertical-align: bottom;" class="tr20"><P class="p3 ft3">samhet, om inte annat följer av denna lag.</P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td182"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr16"><P class="p21 ft6">Finansinspektionen ska samråda</P></TD>
<TD colspan=5 class="tr16 td250"><P class="p17 ft5">Finansinspektionen ska samråda</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft6">med Konkurrensverket</P></TD>
<TD class="tr16 td53"><P class="p21 ft6">innan en</P></TD>
<TD colspan=3 class="tr16 td168"><P class="p3 ft6">med Konkurrensverket</P></TD>
<TD class="tr16 td81"><P class="p74 ft6">innan</P></TD>
<TD class="tr16 td182"><P class="p17 ft6">en</P></TD>
</TR>
<TR>
<TD class="tr15 td255"><P class="p3 ft3">tillsynsåtgärd eller ett</P></TD>
<TD class="tr15 td53"><P class="p21 ft7">ingripande</P></TD>
<TD colspan=3 class="tr15 td168"><P class="p3 ft3">tillsynsåtgärd eller ett</P></TD>
<TD colspan=2 class="tr15 td154"><P class="p17 ft7">ingripande</P></TD>
</TR>
<TR>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr16"><P class="p3 ft5">vidtas mot någon som har ansvar för</P></TD>
<TD class="tr16 td198"><P class="p3 ft6">vidtas mot</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 207px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">betalningssystem för överträdelse</P></TD>
<TD class="tr16 td198"><P class="p31 ft6"><SPAN class="ft4">1. </SPAN>någon som</P></TD>
<TD class="tr16 td27"><P class="p3 ft6">har</P></TD>
<TD colspan=2 class="tr16 td46"><P class="p70 ft6">ansvar</P></TD>
<TD class="tr16 td182"><P class="p17 ft6">för</P></TD>
</TR>
<TR>
<TD class="tr15 td255"><P class="p3 ft3">av 7 kap. 1 och 2 §§<SPAN class="ft4">.</SPAN></P></TD>
<TD class="tr15 td53"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td198"><P class="p3 ft5">betalningssystem</P></TD>
<TD class="tr15 td27"><P class="p3 ft3">för</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p17 ft7">överträdelse</P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td53"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td108"><P class="p3 ft6">av 7 kap. 1 och 2 §§<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr16 td161"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td53"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td250"><P class="p17 ft4">2. en deltagare i ett betalnings-</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 207px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft4">system för överträdelse av 7 kap. 4 §, eller</P>
<P style="text-align: left;padding-left: 207px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft50">3. ett kreditinstitut för överträd- else av 7 kap. 5 §<SPAN class="ft76">.</SPAN></P>
<P style="text-align: left;padding-left: 189px;margin-top: 11px;margin-bottom: 0px;" class="ft3">2 §</P>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 190px;overflow: hidden;">
<P class="p145 ft64">Betalningsinstitut, registrerade betaltjänstleverantörer <SPAN class="ft63">och </SPAN>den <SPAN class="ft63">eller de </SPAN>som har ansvar för ett be- talningssystem ska lämna Finans- inspektionen de upplysningar om sin verksamhet och därmed sammanhängande omständigheter som inspektionen begär.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 15px;padding: 0px;border:none;width: 194px;overflow: hidden;">
<P class="p145 ft5">Betalningsinstitut, registrerade betaltjänstleverantörer<SPAN class="ft41">, </SPAN>den som har ansvar för ett betalnings- system, <SPAN class="ft41">den som är anmälnings- skyldig enligt 1 kap. 9 § och utländska företag som tillhanda- håller betaltjänster i Sverige från en filial eller genom ett ombud enligt 3 kap. 26 § </SPAN>ska lämna Finansinspektionen de upplysning- ar om sin verksamhet och därmed sammanhängande omständigheter som inspektionen begär.</P>
<P style="text-align: justify;padding-right: 5px;margin-top: 6px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Utländska företag som till- handahåller betaltjänster i Sverige genom ett ombud enligt 3 kap. 26 § ska utse en central kontaktpunkt här i landet om Finansinspektionen begär det.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 8px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: left;padding-left: 189px;margin-top: 0px;margin-bottom: 0px;" class="ft3">3 §</P>
<P class="p1082 ft3">Finansinspektionen får när det är nödvändigt genomföra en undersök- ning hos</P>
<P class="p461 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">ett betalningsinstitut,</SPAN></P>
<P class="p461 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">en registrerad betaltjänstleverantör, och</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 12px 'Arial';">
<TR>
<TD colspan=2 class="tr15 td60"><P class="p62 ft3">3. utländska företag som till-</P></TD>
<TD class="tr15 td72"><P class="p27 ft3">3. utländska företag som till-</P></TD>
</TR>
<TR>
<TD class="tr16 td160"><P class="p3 ft6">handahåller betaltjänster i</P></TD>
<TD class="tr16 td154"><P class="p21 ft5">Sverige</P></TD>
<TD class="tr16 td72"><P class="p17 ft5">handahåller betaltjänster i Sverige</P></TD>
</TR>
<TR>
<TD class="tr16 td160"><P class="p3 ft5">enligt 3 kap. 26 <SPAN class="ft41">och 27 §</SPAN>§.</P></TD>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td72"><P class="p238 ft5">enligt 3 kap. 26 §.</P></TD>
</TR>
</TABLE>
<P class="p213 ft6">Om det behövs för tillsynen av ett betalningsinstitut eller en registrerad betaltjänstleverantör, får Finansinspektionen genomföra en undersökning hos</P>
<P class="p461 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">en filial till institutet,</SPAN></P>
<P class="p461 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">ett ombud till institutet eller leverantören, och</SPAN></P>
<P class="p462 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft32">ett företag som har fått i uppdrag att utföra visst arbete eller vissa funktioner åt institutet eller leverantören.</SPAN></P>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_623" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD colspan=14 class="tr22 td329"><P class="p90 ft5">En undersökning hos en registrerad betaltjänstleverantör får endast om-</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=13 class="tr20 td37"><P class="p3 ft5">fatta den verksamhet som avser tillhandahållande av betaltjänster.</P></TD>
<TD class="tr20 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD class="tr29 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td119"><P class="p3 ft3">4 §</P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td61"><P class="p90 ft5">Finansinspektionen ska i sin till-</P></TD>
<TD colspan=6 class="tr15 td212"><P class="p42 ft3">Finansinspektionen ska i sin till-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td137"><P class="p3 ft5">synsverksamhet</P></TD>
<TD colspan=3 class="tr16 td140"><P class="p130 ft7">samarbeta</P></TD>
<TD class="tr16 td92"><P class="p17 ft6">och</P></TD>
<TD colspan=6 class="tr16 td212"><P class="p191 ft4"><SPAN class="ft6">synsverksamhet</SPAN>, i den utsträckning</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft6">utbyta</P></TD>
<TD colspan=5 class="tr16 td107"><P class="p157 ft6">information med</P></TD>
<TD colspan=2 class="tr16 td80"><P class="p17 ft6">behöriga</P></TD>
<TD class="tr16 td119"><P class="p191 ft4">som</P></TD>
<TD colspan=2 class="tr16 td9"><P class="p129 ft4">följer av</P></TD>
<TD colspan=3 class="tr16 td86"><P class="p42 ft41">betalkontodirektivet</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td61"><P class="p3 ft3">myndigheter inom EES<SPAN class="ft4">. Inspek-</SPAN></P></TD>
<TD colspan=6 class="tr15 td212"><P class="p191 ft4">och betaltjänstdirektivet, <SPAN class="ft3">samarbeta</SPAN></P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft4">tionen</P></TD>
<TD class="tr16 td105"><P class="p72 ft4">ska</P></TD>
<TD colspan=3 class="tr16 td104"><P class="p70 ft4">dessutom</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft4">samarbeta</P></TD>
<TD class="tr16 td119"><P class="p191 ft6">och</P></TD>
<TD colspan=2 class="tr16 td9"><P class="p75 ft6">utbyta</P></TD>
<TD colspan=2 class="tr16 td31"><P class="p154 ft6">information</P></TD>
<TD class="tr16 td20"><P class="p42 ft6">med</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td61"><P class="p3 ft4">och utbyta information med <SPAN class="ft6">Euro-</SPAN></P></TD>
<TD colspan=6 class="tr16 td212"><P class="p191 ft6">behöriga myndigheter inom EES<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft3">peiska</P></TD>
<TD colspan=5 class="tr15 td107"><P class="p308 ft5">centralbanken,</P></TD>
<TD colspan=2 class="tr15 td80"><P class="p17 ft7">nationella</P></TD>
<TD colspan=6 class="tr15 td212"><P class="p191 ft3">Europeiska centralbanken, nation-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td62"><P class="p3 ft6">centralbanker</P></TD>
<TD colspan=3 class="tr16 td154"><P class="p27 ft5">och andra</P></TD>
<TD colspan=2 class="tr16 td80"><P class="p17 ft6">behöriga</P></TD>
<TD class="tr16 td119"><P class="p191 ft6">ella</P></TD>
<TD colspan=3 class="tr16 td110"><P class="p41 ft6">centralbanker<SPAN class="ft4">,</SPAN></P></TD>
<TD colspan=2 class="tr16 td31"><P class="p42 ft4">Europeiska</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td61"><P class="p3 ft7">myndigheter som utsetts i enlighet</P></TD>
<TD colspan=3 class="tr16 td195"><P class="p191 ft4">kommissionen,</P></TD>
<TD colspan=2 class="tr16 td31"><P class="p154 ft4">Europeiska</P></TD>
<TD class="tr16 td20"><P class="p42 ft41">bank-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td61"><P class="p3 ft3">med unionsrätt som är tillämplig</P></TD>
<TD colspan=6 class="tr15 td212"><P class="p191 ft3"><SPAN class="ft4">myndigheten </SPAN>och andra behöriga</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td268"><P class="p3 ft6">på betaltjänstleverantörer.</P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td212"><P class="p191 ft6">myndigheter som utsetts i enlighet</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td173"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td212"><P class="p191 ft6">med unionsrätt som är tillämplig</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td178"><P class="p191 ft3">på betaltjänstleverantörer.</P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=14 class="tr16 td329"><P class="p90 ft5">En behörig myndighet inom EES får närvara vid en kontroll som utförs</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td255"><P class="p3 ft6">av Finansinspektionen.</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=14 class="tr15 td329"><P class="p90 ft5">Finansinspektionen får delegera uppgiften att genomföra en kontroll på</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=14 class="tr16 td329"><P class="p3 ft5">plats av en filial eller ombud till ett betalningsinstitut som står under dess</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=12 style="padding: 0px;margin: 0px;width: 329px;vertical-align: bottom;" class="tr20"><P class="p3 ft5">tillsyn till en behörig myndighet i ett annat land inom EES.</P></TD>
<TD class="tr20 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td79"><P class="p645 ft3">4 a §<SPAN class="ft43">14</SPAN></P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td61"><P class="p90 ft7">Finansinspektionen får hänskjuta</P></TD>
<TD colspan=6 class="tr16 td212"><P class="p42 ft6">Finansinspektionen får hänskjuta</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td61"><P class="p3 ft3">frågor som rör samarbete mellan</P></TD>
<TD colspan=6 class="tr15 td212"><P class="p191 ft3">frågor som rör samarbete mellan</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td61"><P class="p3 ft5">behöriga myndigheter, särskilt om</P></TD>
<TD colspan=6 class="tr16 td212"><P class="p191 ft6">behöriga myndigheter, särskilt om</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td61"><P class="p3 ft5">informationsutbyte, till Europeiska</P></TD>
<TD colspan=6 class="tr16 td212"><P class="p191 ft6">informationsutbyte, till Europeiska</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td61"><P class="p3 ft5">bankmyndigheten för tvistlösning i</P></TD>
<TD colspan=6 class="tr15 td212"><P class="p191 ft3">bankmyndigheten för tvistlösning i</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td62"><P class="p3 ft6">enlighet med</P></TD>
<TD colspan=3 class="tr16 td154"><P class="p27 ft6">artikel 23</P></TD>
<TD class="tr16 td27"><P class="p93 ft6">i</P></TD>
<TD class="tr16 td92"><P class="p17 ft7">betal-</P></TD>
<TD colspan=2 class="tr16 td141"><P class="p191 ft6">enlighet</P></TD>
<TD class="tr16 td68"><P class="p129 ft7">med</P></TD>
<TD colspan=2 class="tr16 td31"><P class="p307 ft6">artikel 23 i</P></TD>
<TD class="tr16 td20"><P class="p42 ft7">betal-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td137"><P class="p3 ft6">kontodirektivet.</P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td69"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td195"><P class="p191 ft5">kontodirektivet</P></TD>
<TD class="tr16 td20"><P class="p178 ft4">eller</P></TD>
<TD colspan=2 class="tr16 td31"><P class="p42 ft4">artikel 27 i</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr20 td207"><P class="p191 ft4">betaltjänstdirektivet<SPAN class="ft3">.</SPAN></P></TD>
<TD class="tr20 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr29 td61"><P class="p3 ft69"><SPAN class="ft42">Register över </SPAN>betalningsinstitut</P></TD>
<TD colspan=3 class="tr29 td195"><P class="p191 ft78">Register över</P></TD>
<TD class="tr29 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td137"><P class="p3 ft69">och registrerade</P></TD>
<TD class="tr15 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td92"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td207"><P class="p191 ft69">betaltjänstverksamhet</P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr28 td255"><P class="p3 ft69">betaltjänstleverantörer</P></TD>
<TD class="tr28 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td119"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td119"><P class="p3 ft3">5 §</P></TD>
<TD class="tr27 td94"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td95"><P class="p90 ft5">Finansinspektionen</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft6">ska föra ett</P></TD>
<TD colspan=6 class="tr16 td212"><P class="p42 ft6">Finansinspektionen ska föra ett</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft7">register</P></TD>
<TD colspan=2 class="tr16 td142"><P class="p36 ft6">över</P></TD>
<TD class="tr16 td173"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td195"><P class="p17 ft5">betalningsinstitut,</P></TD>
<TD colspan=2 class="tr16 td141"><P class="p191 ft6">register</P></TD>
<TD class="tr16 td68"><P class="p198 ft6">över</P></TD>
<TD colspan=3 class="tr16 td86"><P class="p42 ft6">betalningsinstitut,</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td98"><P class="p3 ft5">registrerade</P></TD>
<TD class="tr15 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td173"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td195"><P class="p17 ft7">betaltjänstleveran-</P></TD>
<TD colspan=3 class="tr15 td195"><P class="p191 ft3">registrerade</P></TD>
<TD colspan=3 class="tr15 td86"><P class="p42 ft3">betaltjänstleveran-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td61"><P class="p3 ft6">törer, deras ombud och filialer.</P></TD>
<TD colspan=6 class="tr16 td212"><P class="p191 ft6">törer, deras ombud och filialer</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td62"><P class="p3 ft6">Registret ska</P></TD>
<TD colspan=3 class="tr16 td154"><P class="p72 ft6">innehålla</P></TD>
<TD colspan=2 class="tr16 td80"><P class="p17 ft6">uppgifter</P></TD>
<TD colspan=6 class="tr16 td212"><P class="p191 ft4">samt över dem som gjort en sådan</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td61"><P class="p3 ft3">om vilka betaltjänster som betal-</P></TD>
<TD colspan=2 class="tr15 td141"><P class="p191 ft4">anmälan</P></TD>
<TD class="tr15 td68"><P class="p129 ft4">som</P></TD>
<TD class="tr15 td20"><P class="p177 ft4">avses i</P></TD>
<TD colspan=2 class="tr15 td31"><P class="p42 ft4">1 kap. 9 §<SPAN class="ft3">.</SPAN></P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td62"><P class="p3 ft6">ningsinstitut,</P></TD>
<TD colspan=4 class="tr16 td62"><P class="p71 ft6">registrerade</P></TD>
<TD class="tr16 td92"><P class="p17 ft7">betal-</P></TD>
<TD colspan=2 class="tr16 td141"><P class="p191 ft6">Registret</P></TD>
<TD class="tr16 td68"><P class="p217 ft6">ska</P></TD>
<TD colspan=3 class="tr16 td86"><P class="p42 ft6">innehålla uppgifter</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td61"><P class="p3 ft7">tjänstleverantörer, deras ombud och</P></TD>
<TD class="tr16 td119"><P class="p191 ft6">om</P></TD>
<TD class="tr16 td94"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td81"><P class="p3 ft3">filialer</P></TD>
<TD class="tr20 td105"><P class="p146 ft3">har</P></TD>
<TD colspan=2 class="tr20 td162"><P class="p3 ft3">rätt</P></TD>
<TD colspan=4 class="tr20 td195"><P class="p17 ft3">att tillhandahålla.</P></TD>
<TD colspan=2 class="tr20 td141"><P class="p235 ft3"><SPAN class="ft4">1. </SPAN>vilka</P></TD>
<TD colspan=2 class="tr20 td165"><P class="p74 ft7">betaltjänster</P></TD>
<TD class="tr20 td74"><P class="p217 ft3">som</P></TD>
<TD class="tr20 td20"><P class="p42 ft7">betal-</P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 68px;margin-top: 28px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">14 </SPAN>Senaste lydelse 2017:342.</P>
<P class="p14 ft3">623</P>
</DIV>
<DIV id="page_624" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">624</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td154"><P class="p3 ft4">Registret</P></TD>
<TD colspan=2 class="tr2 td98"><P class="p146 ft4">ska hållas</P></TD>
<TD colspan=2 class="tr2 td106"><P class="p21 ft4">tillgängligt</P></TD>
<TD colspan=3 class="tr2 td47"><P class="p3 ft3">ningsinstitut,</P></TD>
<TD colspan=3 class="tr2 td208"><P class="p3 ft3">registrerade</P></TD>
<TD colspan=2 class="tr2 td23"><P class="p27 ft3">betal-</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td174"><P class="p3 ft4">hos Finansinspektionen.</P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td195"><P class="p3 ft5">tjänstleverantörer,</P></TD>
<TD colspan=2 class="tr15 td158"><P class="p31 ft3">deras</P></TD>
<TD colspan=2 class="tr15 td23"><P class="p17 ft7">ombud</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft6">och filialer har rätt att tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft6">hålla<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr16 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p31 ft4">2. den verksamhet som drivs av</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">den som har gjort en anmälan</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td195"><P class="p3 ft4">enligt 1 kap. 9 §,</P></TD>
<TD class="tr16 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p31 ft41">3. tillstånd som återkallats enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td47"><P class="p3 ft4">10 eller 11 §,</P></TD>
<TD class="tr16 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td177"><P class="p31 ft4">4. de</P></TD>
<TD class="tr16 td241"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td18"><P class="p1 ft4">registrerade</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft4">betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p3 ft4">leverantörer som inte längre upp-</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft4">fyller</P></TD>
<TD colspan=3 class="tr16 td166"><P class="p3 ft4">villkoren</P></TD>
<TD class="tr16 td70"><P class="p3 ft4">för</P></TD>
<TD colspan=3 class="tr16 td78"><P class="p17 ft4">registrering</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td195"><P class="p3 ft4">enligt 2 kap. 3 §.</P></TD>
<TD class="tr16 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr15 td77"><P class="p31 ft4">Registret ska hållas</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p17 ft4">tillgängligt</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td170"><P class="p3 ft4">hos Finansinspektionen.</P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr16 td77"><P class="p31 ft4">Finansinspektionen</P></TD>
<TD class="tr16 td68"><P class="p93 ft4">ska</P></TD>
<TD class="tr16 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td94"><P class="p17 ft41">utan</P></TD>
</TR>
<TR>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td58"><P class="p3 ft4">dröjsmål</P></TD>
<TD colspan=3 class="tr15 td18"><P class="p130 ft4">underrätta</P></TD>
<TD colspan=3 class="tr15 td78"><P class="p17 ft4">Europeiska</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">bankmyndigheten om den infor-</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft41">mation som förs in i registret enligt</P></TD>
</TR>
<TR>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p3 ft41">första stycket och om skälen till att</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">ett tillstånd återkallats enligt 10</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">eller 11 § eller till att en regist-</P></TD>
</TR>
<TR>
<TD class="tr15 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft4">rerad</P></TD>
<TD colspan=6 class="tr15 td64"><P class="p170 ft41">betaltjänstleverantör</P></TD>
<TD class="tr15 td94"><P class="p17 ft4">inte</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft4">längre</P></TD>
<TD class="tr16 td241"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td58"><P class="p3 ft4">uppfyller</P></TD>
<TD colspan=3 class="tr16 td98"><P class="p36 ft4">villkoren</P></TD>
<TD class="tr16 td94"><P class="p27 ft4">för</P></TD>
</TR>
<TR>
<TD class="tr20 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr20 td89"><P class="p3 ft4">registrering enligt 2 kap. 3 §.</P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td142"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td47"><P style="text-align: right;padding-right: 35px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">13 §</P></TD>
<TD class="tr29 td241"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p21 ft6">Om en behörig myndighet i ett</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p31 ft6">Om en behörig myndighet i ett</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">annat land har underrättat Finans-</P></TD>
<TD colspan=8 class="tr15 td72"><P class="p3 ft5">annat land har underrättat Finans-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">inspektionen om att ett betalnings-</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft5">inspektionen om att ett betalnings-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">institut överträtt föreskrifter i det</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft6">institut överträtt föreskrifter i det</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td60"><P class="p3 ft3">landet, ska inspektionen vidta de</P></TD>
<TD colspan=8 class="tr15 td72"><P class="p3 ft3">landet, ska inspektionen vidta de</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">åtgärder som anges i <NOBR>8–11</NOBR> §§ mot</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft7">åtgärder som anges i <NOBR>8–11</NOBR> §§ mot</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td60"><P class="p3 ft6">institutet, om det föreligger någon</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft5">institutet, om det föreligger någon</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td57"><P class="p3 ft5">omständighet</P></TD>
<TD class="tr15 td73"><P class="p130 ft3">som</P></TD>
<TD class="tr15 td142"><P class="p3 ft3">anges</P></TD>
<TD class="tr15 td20"><P class="p21 ft3">där.</P></TD>
<TD colspan=3 class="tr15 td47"><P class="p3 ft3">omständighet</P></TD>
<TD colspan=2 class="tr15 td81"><P class="p326 ft7">som</P></TD>
<TD colspan=2 class="tr15 td65"><P class="p3 ft3">anges</P></TD>
<TD class="tr15 td94"><P class="p17 ft3">där.</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td57"><P class="p3 ft4">Inspektionen</P></TD>
<TD colspan=2 class="tr16 td205"><P class="p3 ft6">ska underrätta</P></TD>
<TD class="tr16 td20"><P class="p21 ft6">den</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft41">Finansinspektionen <SPAN class="ft5">ska </SPAN>utan dröjs-</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft6">behöriga</P></TD>
<TD colspan=3 class="tr16 td271"><P class="p3 ft6">myndigheten om</P></TD>
<TD class="tr16 td20"><P class="p21 ft6">vilka</P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft5"><SPAN class="ft41">mål </SPAN>underrätta den behöriga myn-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td169"><P class="p3 ft3">åtgärder som vidtas.</P></TD>
<TD class="tr15 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td72"><P class="p3 ft41"><SPAN class="ft5">digheten </SPAN>i det andra landet och de</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td58"><P class="p3 ft41">behöriga</P></TD>
<TD colspan=4 class="tr16 td112"><P class="p41 ft4">myndigheterna i</P></TD>
<TD colspan=2 class="tr16 td23"><P class="p27 ft4">övriga</P></TD>
</TR>
<TR>
<TD class="tr16 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td72"><P class="p3 ft4">berörda länder inom EES <SPAN class="ft6">om vilka</SPAN></P></TD>
</TR>
<TR>
<TD class="tr20 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td20"><P class="p3 ft2"> </P></TD>
<TD colspan=5 class="tr20 td77"><P class="p3 ft3">åtgärder som vidtas.</P></TD>
<TD class="tr20 td68"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td6"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 181px;margin-top: 9px;margin-bottom: 0px;" class="ft3">21 §<SPAN class="ft43">15</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 12px 'Arial';">
<TR>
<TD class="tr24 td60"><P class="p21 ft3">Finansinspektionen får förelägga</P></TD>
<TD class="tr24 td72"><P class="p17 ft3">Finansinspektionen får förelägga</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft5">ett utländskt företag som tillhanda-</P></TD>
<TD class="tr16 td72"><P class="p17 ft5">ett utländskt företag som tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft5">håller betaltjänster i enlighet med</P></TD>
<TD class="tr16 td72"><P class="p27 ft5">håller betaltjänster i enlighet med</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p21 ft5">3 kap. 26 <SPAN class="ft41">eller 27 </SPAN>§ att göra rättel-</P></TD>
<TD class="tr20 td72"><P class="p17 ft3">3 kap. 26 § att göra rättelse, om</P></TD>
</TR>
<TR>
<TD style="height: 51px;" class="td60"><P style="text-align: right;padding-right: 84px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft82"><SPAN class="ft101">15 </SPAN>Senaste lydelse 2017:652.</P></TD>
<TD style="height: 51px;" class="td72"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_625" style="position:relative; overflow: hidden;margin: 48px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV style="position:absolute;top:633px;left:205px;width:37px;height:15px;"><SPAN class="ft4">23 e §</SPAN></DIV>
<DIV style="position:absolute;top:648px;left:205px;width:189px;height:135px;"><SPAN class="ft41">Om en behörig myndighet i ett annat land har underrättat Finans- inspektionen om att en registrerad betaltjänstleverantör som till- handahåller kontoinformations- tjänster överträtt föreskrifter i det landet, ska inspektionen vidta de åtgärder som anges i 23 § mot betaltjänstleverantören, om det före-</SPAN></DIV>
<DIV style="position:absolute;top:493px;left:205px;width:188px;height:120px;"><SPAN class="ft6">Om ett utländskt företag som driver verksamhet enligt 3 kap. 26 § har fått sitt verksamhets- tillstånd indraget i hemlandet, ska Finansinspektionen genast för- bjuda företaget att påbörja nya betalningstransaktioner här i landet.</SPAN></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 393px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR height=0>
<TD width=125px></TD>
<TD width=80px></TD>
<TD width=40px></TD>
<TD width=32px></TD>
<TD width=11px></TD>
<TD width=20px></TD>
<TD width=27px></TD>
<TD width=35px></TD>
<TD width=11px></TD>
<TD width=12px></TD>
</TR>
<TR>
<TD colspan=2 class="tr2 td60"><P class="p3 ft5">se, om dess verksamhet med betal-</P></TD>
<TD colspan=8 class="tr2 td61"><P class="p3 ft7">dess verksamhet med betaltjänster i</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">tjänster i Sverige inte <SPAN class="ft4">bedrivs </SPAN>enligt</P></TD>
<TD colspan=8 class="tr15 td61"><P class="p3 ft3">Sverige inte <SPAN class="ft4">drivs </SPAN>enligt gällande</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">gällande bestämmelser om åtgär-</P></TD>
<TD colspan=3 class="tr16 td43"><P class="p3 ft6">bestämmelser</P></TD>
<TD class="tr16 td13"><P class="p177 ft7">om</P></TD>
<TD colspan=2 class="tr16 td149"><P class="p93 ft6">åtgärder</P></TD>
<TD colspan=2 class="tr16 td162"><P class="p17 ft6">mot</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">der mot penningtvätt och finansie-</P></TD>
<TD colspan=2 class="tr16 td165"><P class="p3 ft6">penningtvätt</P></TD>
<TD colspan=2 class="tr16 td164"><P class="p72 ft6">och</P></TD>
<TD colspan=3 class="tr16 td138"><P class="p3 ft6">finansiering</P></TD>
<TD class="tr16 td100"><P class="p17 ft6">av</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">ring av terrorism eller i enlighet</P></TD>
<TD colspan=8 class="tr15 td61"><P class="p3 ft3">terrorism eller i enlighet med</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">med förordning (EU) 2015/847.</P></TD>
<TD colspan=8 class="tr16 td61"><P class="p3 ft4">Europaparlamentets och rådets</P></TD>
</TR>
<TR>
<TD class="tr16 td163"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td136"><P class="p3 ft21"> </P></TD>
<TD colspan=6 class="tr16 td89"><P class="p3 ft6"><SPAN class="ft4">förordning </SPAN>(EU) 2015/847.</P></TD>
<TD class="tr16 td173"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td163"><P class="p90 ft4">Finansinspektionen</P></TD>
<TD class="tr15 td136"><P class="p62 ft4">får före-</P></TD>
<TD colspan=8 class="tr15 td61"><P class="p17 ft3"><SPAN class="ft4">Om </SPAN>ett utländskt företag som <SPAN class="ft4">i</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6"><SPAN class="ft4">lägga </SPAN>ett utländskt företag som</P></TD>
<TD class="tr16 td90"><P class="p3 ft41">Sverige</P></TD>
<TD colspan=4 class="tr16 td137"><P class="p75 ft6">tillhandahåller</P></TD>
<TD colspan=3 class="tr16 td150"><P class="p17 ft5">betaltjäns-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">tillhandahåller betaltjänster från en</P></TD>
<TD colspan=8 class="tr16 td61"><P class="p3 ft6">ter från en filial eller genom ett</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">filial eller genom ett ombud enligt</P></TD>
<TD class="tr15 td90"><P class="p3 ft3">ombud</P></TD>
<TD colspan=2 class="tr15 td20"><P class="p75 ft3">enligt</P></TD>
<TD colspan=2 class="tr15 td123"><P class="p41 ft3">3 kap.</P></TD>
<TD class="tr15 td135"><P class="p181 ft3">26 §</P></TD>
<TD colspan=2 class="tr15 td162"><P class="p17 ft4">inte</P></TD>
</TR>
<TR>
<TD class="tr16 td163"><P class="p3 ft6">3 kap. 26 § att göra</P></TD>
<TD class="tr16 td136"><P class="p62 ft5">rättelse om</P></TD>
<TD colspan=8 class="tr16 td61"><P class="p3 ft41">driver denna verksamhet i enlighet</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">dess verksamhet med betaltjänster</P></TD>
<TD colspan=8 class="tr16 td61"><P class="p3 ft4">med bestämmelserna i denna lag,</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">i Sverige inte <SPAN class="ft4">bedrivs </SPAN>i enlighet</P></TD>
<TD class="tr15 td90"><P class="p3 ft4">ska</P></TD>
<TD colspan=5 class="tr15 td163"><P style="text-align: center;padding-right: 23px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">Finansinspektionen</P></TD>
<TD colspan=2 class="tr15 td162"><P class="p17 ft41">utan</P></TD>
</TR>
<TR>
<TD class="tr16 td163"><P class="p3 ft6">med 4 och 5 kap.</P></TD>
<TD class="tr16 td136"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td61"><P class="p3 ft4">dröjsmål underrätta den behöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td163"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td136"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td165"><P class="p3 ft4">myndigheten</P></TD>
<TD class="tr16 td173"><P class="p3 ft4">i</P></TD>
<TD colspan=5 class="tr16 td271"><P class="p17 ft41">företagets hemland.</P></TD>
</TR>
<TR>
<TD class="tr15 td163"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td136"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td112"><P class="p3 ft7">Finansinspektionen</P></TD>
<TD class="tr15 td126"><P class="p130 ft3">får</P></TD>
<TD colspan=3 class="tr15 td150"><P class="p17 ft3">förelägga</P></TD>
</TR>
<TR>
<TD class="tr16 td163"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td136"><P class="p3 ft21"> </P></TD>
<TD colspan=8 class="tr16 td61"><P class="p3 ft5"><SPAN class="ft41">företaget </SPAN>att göra rättelse om dess</P></TD>
</TR>
<TR>
<TD class="tr16 td163"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td136"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td165"><P class="p3 ft6">verksamhet</P></TD>
<TD colspan=2 class="tr16 td164"><P class="p1 ft6">med</P></TD>
<TD colspan=3 class="tr16 td138"><P class="p70 ft5">betaltjänster</P></TD>
<TD class="tr16 td100"><P class="p17 ft6">i</P></TD>
</TR>
<TR>
<TD class="tr15 td163"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td136"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td61"><P class="p3 ft3">Sverige inte <SPAN class="ft4">drivs </SPAN>i enlighet med</P></TD>
</TR>
<TR>
<TD class="tr21 td163"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td136"><P class="p3 ft22"> </P></TD>
<TD colspan=2 class="tr21 td165"><P class="p3 ft23">4 och 5 kap.</P></TD>
<TD class="tr21 td173"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td13"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td126"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td135"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td173"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td100"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p145 ft6">Om ett företag inte följer ett föreläggande enligt första eller andra stycket ska Finansinspektionen underrätta den behöriga myndigheten i företagets hemland.</P>
<P class="p208 ft3">Om rättelse inte sker, får Finansinspektionen förbjuda företaget att påbörja nya betalningstransaktioner här i landet. Innan förbud meddelas ska inspektionen underrätta den behöriga myndigheten i företagets hem- land. I brådskande fall får inspektionen meddela förbud utan föregående underrättelse till myndigheten i företagets hemland. Denna ska dock underrättas så snart det kan ske.</P>
<P style="text-align: left;padding-left: 11px;padding-right: 185px;margin-top: 9px;margin-bottom: 0px;text-indent: 174px;" class="ft3">22 § Om ett utländskt företag som</P>
<P style="text-align: justify;padding-right: 200px;margin-top: 1px;margin-bottom: 0px;" class="ft40">driver verksamhet enligt 3 kap. 26 <SPAN class="ft39">eller 27 </SPAN>§ har fått sitt verksamhets- tillstånd indraget i hemlandet, ska Finansinspektionen genast för- bjuda företaget att påbörja nya betalningstransaktioner här i landet.</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 163px;overflow: hidden;">
<P class="p992 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 13px;margin-top: 1px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">625</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_626" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:326px;left:162px;z-index:-1;width:124px;height:1px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377626x1.jpg/" style="width:124px;height:1px;">
</DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">626</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft4">ligger någon omständighet som anges där. Finansinspektionen ska utan dröjsmål underrätta den behöriga myndigheten i det andra landet och de behöriga myndig- heterna i övriga berörda länder inom EES om vilka åtgärder som vidtas.</P>
<P style="text-align: left;padding-left: 185px;margin-top: 16px;margin-bottom: 0px;" class="ft3">27 §</P>
<P class="p606 ft3">Regeringen eller den myndighet som regeringen bestämmer får med-</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr28 td255"><P class="p3 ft3">dela föreskrifter om</P></TD>
<TD class="tr28 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td149"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td134"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td255"><P class="p31 ft6">1. vilka upplysningar</P></TD>
<TD class="tr16 td141"><P class="p21 ft4"><SPAN class="ft6">ett </SPAN>betal-</P></TD>
<TD colspan=2 class="tr16 td72"><P class="p17 ft6">1. vilka upplysningar ett <SPAN class="ft4">företag</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p21 ft4">ningsinstitut, en registrerad betal-</P></TD>
<TD class="tr15 td149"><P class="p3 ft3">ska lämna</P></TD>
<TD class="tr15 td134"><P class="p17 ft5">till Finansinspektionen</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p21 ft4">tjänstleverantör eller den eller de</P></TD>
<TD class="tr16 td149"><P class="p3 ft4">enligt 2 §</P></TD>
<TD class="tr16 td134"><P class="p17 ft4">första stycket och när</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p21 ft4">som har ansvar för ett betalnings-</P></TD>
<TD colspan=2 class="tr16 td72"><P class="p3 ft4">upplysningarna ska lämnas<SPAN class="ft6">, och</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p21 ft3"><SPAN class="ft4">system </SPAN>ska lämna till Finans-</P></TD>
<TD class="tr15 td149"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td134"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr21 td255"><P class="p3 ft23">inspektionen <SPAN class="ft62">för dess</SPAN></P></TD>
<TD class="tr21 td141"><P class="p21 ft62">tillsyns-</P></TD>
<TD class="tr21 td149"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td134"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p15 ft4">verksamhet<SPAN class="ft3">, och</SPAN></P>
<P class="p606 ft3">2. sådana avgifter som avses i 7 §<SPAN class="ft4">.</SPAN></P>
<P style="text-align: justify;padding-right: 68px;margin-top: 28px;margin-bottom: 0px;text-indent: 11px;" class="ft3">1. Denna lag träder i kraft den dag som regeringen bestämmer i fråga om 5 kap. 10, 13, 17, 19 och 25 §§ och 5 a kap. 5 § och i övrigt den 1 maj 2018.</P>
<P class="p462 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">Genom lagen upphävs lagen (2010:738) om obehöriga transaktioner med betalningsinstrument.</SPAN></P>
<P class="p1084 ft70"><SPAN class="ft5">3.</SPAN><SPAN class="ft91">En juridisk person som vid ikraftträdandet av denna lag har tillstånd att driva verksamhet som betalningsinstitut får fortsätta verksamheten till och med den 1 september 2018. För att fortsätta verksamheten efter det datumet krävs ett nytt tillstånd. Om Finansinspektionen bedömer att förut- sättningarna för tillstånd är uppfyllda ska Finansinspektionen meddela tillstånd oavsett om någon ansökan om det gjorts eller inte. Finansinspek- tionen ska informera den berörda personen innan tillstånd meddelas.</SPAN></P>
<P class="p1084 ft6"><SPAN class="ft5">4.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 2px;line-height: 15px;">En fysisk eller juridisk person som vid ikraftträdandet av denna lag är beviljad ett undantag enligt 2 kap. 3 § får fortsätta verksamheten till och med den 13 januari 2019. För att fortsätta verksamheten efter det datumet krävs ett nytt undantag eller tillstånd. Om Finansinspektionen bedömer att förutsättningarna för att bevilja undantag är uppfyllda, ska inspektionen bevilja undantag oavsett om någon ansökan om det gjorts eller inte. Finansinspektionen ska informera den berörda personen innan undantag beviljas.</SPAN></P>
<P style="text-align: justify;padding-right: 63px;margin-top: 1px;margin-bottom: 0px;text-indent: 12px;" class="ft124"><SPAN class="ft7">5.</SPAN><SPAN style="font: 11px 'Arial';margin-left: 2px;line-height: 17px;">En juridisk person som vid ikraftträdandet av denna lag har tillstånd att som betalningsinstitut tillhandahålla betaltjänster som avses i 1 kap. 2 § 6</SPAN></P>
<P class="p314 ft40">i den äldre lydelsen får fortsätta verksamheten till och med den 13 januari 2010. För att fortsätta verksamheten efter det datumet krävs ett nytt tillstånd. Om Finansinspektionen finner att den juridiska personen uppfyller kraven i 3 kap. <NOBR>1–3</NOBR> §§, ska inspektionen meddela tillstånd att tillhandahålla sådana betaltjänster som avses i 1 kap. 2 § 3 i den nya lydelsen oavsett om någon ansökan om tillstånd gjorts eller inte.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_627" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 573px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 12px 'Arial';">
<TR>
<TD class="tr22 td329"><P class="p42 ft5">6. En juridisk person som vid ikraftträdandet av denna lag driver verk-</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft7">samhet som leverantör av betalningsinitieringstjänster eller kontoinform-</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft6">ationstjänster får fortsätta med verksamheten till och med den</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft7">1 september 2018. För att fortsätta verksamheten efter det datumet krävs</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft5">tillstånd eller undantag från tillståndsplikt. Om en ansökan om tillstånd</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft5">eller undantag från tillståndsplikt har getts in till Finansinspektionen före</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft5">den 1 september 2018, får den juridiska personen dock fortsätta med</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p3 ft3">verksamheten till dess att ansökan har prövats slutligt.</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft5">7. En kontoförvaltande betaltjänstleverantör som ännu inte uppfyller de</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft7">tekniska standarderna för stark kundautentisering och gemensamma och</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft5">säkra öppna kommunikationsstandarder som avses i artikel 98 i betal-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft5">tjänstdirektivet får inte på grund av det blockera eller förhindra använd-</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td329"><P class="p42 ft6">ningen av betalningsinitierings- eller kontoinformationstjänster. Detta</P></TD>
<TD class="tr16 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td329"><P class="p42 ft5">gäller både före och efter det att skyldigheten att tillämpa de tekniska</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td329"><P class="p3 ft3">standarderna har inträtt.</P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: right;margin-top: 533px;margin-bottom: 0px;" class="ft3">627</P>
</DIV>
<DIV id="page_628" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:576px;left:162px;z-index:-1;width:124px;height:1px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377628x1.jpg/" style="width:124px;height:1px;">
</DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">628</P>
</DIV>
<DIV style="float:left;border:none;margin: 3px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: left;padding-right: 118px;margin-top: 0px;margin-bottom: 0px;" class="ft37">Förslag till lag om ändring i lagen (1992:160) om utländska filialer m.m.</P>
<P style="text-align: left;padding-right: 68px;margin-top: 7px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Härigenom föreskrivs att 13 § lagen (1992:160) om utländska filialer m.m. ska ha följande lydelse.</P>
<TABLE cellpadding=0 cellspacing=0 class="t50">
<TR>
<TD class="tr24 td60"><P class="p3 ft4">Nuvarande lydelse</P></TD>
<TD class="tr24 td167"><P class="p3 ft41">Föreslagen lydelse</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 189px;margin-top: 11px;margin-bottom: 0px;" class="ft3">13 §<SPAN class="ft43">1</SPAN></P>
<P class="p1082 ft3">Verkställande direktören ska varje år till registreringsmyndigheten ge in en bestyrkt kopia av</P>
<P class="p462 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">filialens redovisningshandlingar och revisionsberättelse för det senaste räkenskapsåret,</SPAN></P>
<P class="p462 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">motsvarande handlingar för företaget i dess helhet, om de gjorts offentliga i företagets hemland.</SPAN></P>
<P style="text-align: justify;padding-right: 64px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft6">Första stycket 1 gäller inte, om företaget lyder under lagstiftningen i en stat inom Europeiska ekonomiska samarbetsområdet och</P>
<P class="p461 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">har en rättslig form som är jämförbar med aktiebolaget,</SPAN></P>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P class="p145 ft6">2. är ett kreditinstitut<SPAN class="ft4">, betal- ningsinstitut </SPAN>eller värdepappers- bolag av motsvarande slag som de företag som omfattas av lagen (1995:1559) om årsredovisning i kreditinstitut och värdepappers- bolag,</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 16px;padding: 0px;border:none;width: 194px;overflow: hidden;">
<P class="p145 ft40">2. är ett kreditinstitut eller värde- pappersbolag av motsvarande slag som de företag som omfattas av lagen (1995:1559) om årsredovis- ning i kreditinstitut och värde- pappersbolag,</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p462 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft32">är ett försäkringsföretag av motsvarande slag som de företag som omfattas av lagen (1995:1560) om årsredovisning i försäkringsföretag, eller</SPAN></P>
<P class="p461 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft33">är ett europakooperativ.</SPAN></P>
<P class="p463 ft6">Handlingar som avses i första stycket ska ges in inom tre månader efter det att det utländska företagets redovisningshandlingar och revisions- berättelse lades fram för företagets delägare, dock senast sju månader från det att filialens räkenskapsår gick ut. Handlingarna ska vara upp- rättade på eller översatta till svenska.</P>
<P class="p288 ft3">Med en bestyrkt kopia jämställs vid tillämpningen av denna lag ett elektroniskt original.</P>
<P style="text-align: left;padding-left: 12px;margin-top: 30px;margin-bottom: 0px;" class="ft3">Denna lag träder i kraft den 1 maj 2018.</P>
<P class="p380 ft7"><SPAN class="ft44">1 </SPAN>Senaste lydelse 2010:755.</P>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_629" style="position:relative; overflow: hidden;margin: 49px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 393px;overflow: hidden;">
<P style="text-align: left;padding-right: 82px;margin-top: 0px;margin-bottom: 0px;" class="ft37">Förslag till lag om ändring i bokföringslagen (1999:1078)</P>
<P style="text-align: left;margin-top: 7px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Härigenom föreskrivs att 6 kap. 3 a § och 8 kap. 2 § bokföringslagen (1999:1078) ska ha följande lydelse.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 13px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 15px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P class="p54 ft4">Nuvarande lydelse Föreslagen lydelse</P>
<P style="text-align: left;padding-left: 247px;margin-top: 13px;margin-bottom: 0px;" class="ft42">6 kap.</P>
<P style="text-align: left;padding-left: 249px;margin-top: 0px;margin-bottom: 0px;" class="ft3">3 a §<SPAN class="ft43">1</SPAN></P>
<P class="p12 ft6">Skyldigheten enligt 1 § att upprätta en årsredovisning gäller inte för en filial, om det utländska företaget lyder under lagstiftningen i en stat inom Europeiska ekonomiska samarbetsområdet och</P>
<P class="p13 ft3">1. har en rättslig form som är jämförbar med aktiebolaget,</P>
<TABLE cellpadding=0 cellspacing=0 class="t24">
<TR>
<TD class="tr20 td138"><P class="p90 ft3">2. är ett</P></TD>
<TD colspan=2 class="tr20 td48"><P class="p62 ft3">kreditinstitut<SPAN class="ft4">, betal-</SPAN></P></TD>
<TD class="tr20 td61"><P class="p17 ft3">2. är ett kreditinstitut eller värde-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft4">ningsinstitut</P></TD>
<TD class="tr16 td90"><P class="p135 ft6">eller</P></TD>
<TD class="tr16 td115"><P class="p62 ft7">värdepappers-</P></TD>
<TD class="tr16 td61"><P class="p17 ft7">pappersbolag av motsvarande slag</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td60"><P class="p3 ft6">bolag av motsvarande slag som de</P></TD>
<TD class="tr16 td61"><P class="p17 ft6">som de företag som omfattas av</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td60"><P class="p3 ft3">företag som omfattas av lagen</P></TD>
<TD class="tr15 td61"><P class="p17 ft3">lagen (1995:1559) om årsredo-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft6">(1995:1559)</P></TD>
<TD colspan=2 class="tr16 td48"><P class="p62 ft6">om årsredovisning i</P></TD>
<TD class="tr16 td61"><P class="p17 ft6">visning i kreditinstitut och värde-</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft6">kreditinstitut</P></TD>
<TD class="tr16 td90"><P class="p134 ft7">och</P></TD>
<TD class="tr16 td115"><P class="p62 ft7">värdepappers-</P></TD>
<TD class="tr16 td61"><P class="p384 ft7">pappersbolag,</P></TD>
</TR>
<TR>
<TD class="tr16 td138"><P class="p3 ft6">bolag,</P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td115"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td61"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p12 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">är ett försäkringsföretag av motsvarande slag som de företag som omfattas av lagen (1995:1560) om årsredovisning i försäkringsföretag, eller</SPAN></P>
<P class="p395 ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft48">är ett europakooperativ.</SPAN></P>
<P class="p1019 ft5">Om filialen till följd av första stycket inte upprättar någon årsredovis- ning, ska den i stället upprätta ett årsbokslut. För årsbokslutet tillämpas</P>
<P class="p12 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">i en filial till ett företag som avses i första stycket 1 eller 4 och som inte är ett sådant företag som avses i samma stycke 2 eller 3, bestäm- melserna i 4, 5, 7 och 8 §§,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">i en filial till ett företag som avses i första stycket 2, bestämmelserna i 2 kap. 2 § och </SPAN><NOBR>3–5</NOBR> kap. lagen om årsredovisning i kreditinstitut och värdepappersbolag, med undantag för hänvisningen till 3 kap. 5 § årsredovisningslagen (1995:1554), och</P>
<P class="p571 ft40"><SPAN class="ft5">3.</SPAN><SPAN style="font: 12px 'Arial';margin-left: 4px;line-height: 16px;">i en filial till ett företag som avses i första stycket 3, bestämmelserna i 2 kap. 2 § och </SPAN><NOBR>3–5</NOBR> kap. lagen om årsredovisning i försäkringsföretag, med undantag för hänvisningen till 3 kap. 5 § årsredovisningslagen.</P>
<P style="text-align: left;padding-left: 247px;margin-top: 11px;margin-bottom: 0px;" class="ft42">8 kap.</P>
<P class="p61 ft3">2 §<SPAN class="ft43">2</SPAN></P>
<P class="p12 ft6">Regeringen eller den myndighet som regeringen bestämmer får med- dela föreskrifter om bokföringsskyldighetens fullgörande enligt 4 kap. 7 § och om utformning av och innehåll i den redovisning som enligt 6 kap. 3 a § ska lämnas för verksamhet i en filial till</P>
<TABLE cellpadding=0 cellspacing=0 class="t24">
<TR>
<TD class="tr20 td181"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td116"><P class="p74 ft3">1. ett utländskt</P></TD>
<TD class="tr20 td112"><P class="p62 ft3">kreditinstitut<SPAN class="ft4">,</SPAN></P></TD>
<TD class="tr20 td61"><P class="p17 ft3">1. ett utländskt kreditinstitut</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td113"><P class="p3 ft4">betalningsinstitut</P></TD>
<TD class="tr20 td112"><P class="p62 ft3">eller värdepap-</P></TD>
<TD class="tr20 td61"><P class="p17 ft3">eller värdepappersbolag av mot-</P></TD>
</TR>
<TR>
<TD class="tr37 td181"><P class="p3 ft98">1</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 200px;vertical-align: bottom;" class="tr37"><P style="text-align: right;padding-right: 88px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft82">Senaste lydelse 2017:437.</P></TD>
<TD class="tr37 td61"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr48 td181"><P class="p3 ft98">2</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 200px;vertical-align: bottom;" class="tr48"><P style="text-align: right;padding-right: 88px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft205">Senaste lydelse 2017:437.</P></TD>
<TD class="tr48 td61"><P class="p3 ft131"> </P></TD>
</TR>
</TABLE>
<P class="p160 ft3">629</P>
</DIV>
</DIV>
<DIV id="page_630" style="position:relative; overflow: hidden;margin: 46px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:174px;left:162px;z-index:-1;width:124px;height:1px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377630x1.jpg/" style="width:124px;height:1px;">
</DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">630</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr19 td60"><P class="p3 ft3">persbolag av motsvarande slag</P></TD>
<TD class="tr19 td72"><P class="p3 ft7">svarande slag som de företag som</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">som de företag som omfattas av</P></TD>
<TD class="tr15 td72"><P class="p3 ft5">omfattas av lagen (1995:1559) om</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">lagen (1995:1559) om årsredovis-</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">årsredovisning i kreditinstitut och</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">ning i kreditinstitut och värdepap-</P></TD>
<TD class="tr16 td72"><P class="p3 ft6">värdepappersbolag, och</P></TD>
</TR>
</TABLE>
<P class="p15 ft6">persbolag, och</P>
<P class="p213 ft6">2. ett utländskt försäkringsföretag av motsvarande slag som de företag som omfattas av lagen (1995:1560) om årsredovisning i försäkrings- företag.</P>
<P class="p213 ft76">Rätten att meddela föreskrifter gäller även sådan verksamhet som avses i 4 kap. 8 § och 6 kap. 3 b §.</P>
<P style="text-align: left;padding-left: 12px;margin-top: 28px;margin-bottom: 0px;" class="ft3">Denna lag träder i kraft den 1 maj 2018.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_631" style="position:relative; overflow: hidden;margin: 49px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:421px;left:68px;z-index:-1;width:123px;height:1px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377631x1.jpg/" style="width:123px;height:1px;">
</DIV>
<DIV style="border:none;margin: 0px 0px 0px 68px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 393px;overflow: hidden;">
<P style="text-align: left;padding-right: 49px;margin-top: 0px;margin-bottom: 0px;" class="ft37">Förslag till lag om ändring i lagen (2006:595) om europakooperativ</P>
<P style="text-align: left;margin-top: 7px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Härigenom föreskrivs att 31 § lagen (2006:595) om europakooperativ ska ha följande lydelse.</P>
<TABLE cellpadding=0 cellspacing=0 class="t50">
<TR>
<TD class="tr24 td60"><P class="p3 ft4">Nuvarande lydelse</P></TD>
<TD class="tr24 td167"><P class="p3 ft41">Föreslagen lydelse</P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 13px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 11px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P style="text-align: left;padding-left: 251px;margin-top: 0px;margin-bottom: 0px;" class="ft3">31 §<SPAN class="ft43">1</SPAN></P>
<P class="p57 ft5">Ett europakooperativ ska upprätta årsredovisning och, i förekommande fall, koncernredovisning i enlighet med de bestämmelser i årsredovis- ningslagen (1995:1554) som är tillämpliga på ekonomiska föreningar. När det gäller europakooperativ som driver försäkringsrörelse tillämpas</P>
<TABLE cellpadding=0 cellspacing=0 class="t24">
<TR>
<TD class="tr24 td90"><P class="p3 ft5">i stället</P></TD>
<TD class="tr24 td126"><P class="p41 ft3">de</P></TD>
<TD class="tr24 td43"><P class="p72 ft7">bestämmelser</P></TD>
<TD class="tr24 td9"><P class="p241 ft3">i lagen</P></TD>
<TD class="tr24 td198"><P class="p3 ft3">(1995:1560) om</P></TD>
<TD class="tr24 td190"><P class="p17 ft3">årsredovisning i</P></TD>
</TR>
<TR>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 393px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">försäkringsföretag som är tillämpliga på försäkringsföreningar.</P></TD>
</TR>
<TR>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 203px;vertical-align: bottom;" class="tr16"><P class="p28 ft6">När det gäller europakooperativ</P></TD>
<TD class="tr16 td198"><P class="p36 ft6">När det gäller</P></TD>
<TD class="tr16 td190"><P class="p17 ft7">europakooperativ</P></TD>
</TR>
<TR>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 203px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">som ger ut elektroniska pengar<SPAN class="ft4">,</SPAN></P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p17 ft7">som ger ut elektroniska pengar <SPAN class="ft72">eller</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td90"><P class="p3 ft3">driver</P></TD>
<TD colspan=2 class="tr15 td121"><P class="p75 ft7">finansieringsrörelse</P></TD>
<TD class="tr15 td9"><P class="p28 ft4">eller</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr15"><P class="p17 ft7">driver finansieringsrörelse tillämpas</P></TD>
</TR>
<TR>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 150px;vertical-align: bottom;" class="tr16"><P class="p3 ft41">tillhandahåller betaltjänster</P></TD>
<TD class="tr16 td9"><P class="p28 ft6">tilläm-</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p17 ft5">12 kap. 28 § lagen (2004:297) om</P></TD>
</TR>
<TR>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 203px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">pas 12 kap. 28 § lagen (2004:297)</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p17 ft7">bank- och finansieringsrörelse resp-</P></TD>
</TR>
<TR>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 203px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">om bank- och finansieringsrörelse,</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr15"><P class="p17 ft7">ektive 3 kap. 10 § lagen (2011:755)</P></TD>
</TR>
<TR>
<TD class="tr16 td90"><P class="p3 ft4">3 kap.</P></TD>
<TD class="tr16 td126"><P class="p217 ft4">9 §</P></TD>
<TD class="tr16 td43"><P class="p70 ft4">andra stycket</P></TD>
<TD class="tr16 td9"><P class="p28 ft4">lagen</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 190px;vertical-align: bottom;" class="tr16"><P class="p17 ft5">om elektroniska pengar i stället för</P></TD>
</TR>
<TR>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 203px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">(2010:751) om betaltjänster <SPAN class="ft6">respek-</SPAN></P></TD>
<TD class="tr16 td198"><P class="p146 ft6">första stycket.</P></TD>
<TD class="tr16 td190"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td98"><P class="p3 ft6">tive 3 kap.</P></TD>
<TD colspan=2 class="tr16 td255"><P class="p28 ft5">10 § lagen (2011:755)</P></TD>
<TD class="tr16 td198"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td190"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=4 style="padding: 0px;margin: 0px;width: 203px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">om elektroniska pengar i stället för</P></TD>
<TD class="tr15 td198"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td190"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 style="padding: 0px;margin: 0px;width: 150px;vertical-align: bottom;" class="tr20"><P class="p3 ft3">första stycket.</P></TD>
<TD class="tr20 td9"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td198"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td190"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 79px;margin-top: 27px;margin-bottom: 0px;" class="ft3">Denna lag träder i kraft den 1 maj 2018.</P>
<P style="text-align: left;padding-left: 68px;margin-top: 302px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">1 </SPAN>Senaste lydelse 2011:771.</P>
<P class="p14 ft3">631</P>
</DIV>
</DIV>
<DIV id="page_632" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">632</P>
</DIV>
<DIV style="float:left;border:none;margin: 3px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: left;padding-right: 118px;margin-top: 0px;margin-bottom: 0px;" class="ft37">Förslag till lag om ändring i lagen (2011:755) om elektroniska pengar</P>
<P style="text-align: left;padding-right: 68px;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Härigenom föreskrivs i fråga om lagen (2011:755) om elektroniska pengar</P>
<P class="p1082 ft3"><SPAN class="ft4">dels </SPAN>att 2 kap. 2 §, 3 kap. 6, <NOBR>18–22</NOBR> och <NOBR>25–27</NOBR> §§ och 5 kap. <NOBR>2–5,</NOBR> 13, 21, 22 och 27 §§ ska ha följande lydelse,</P>
<P class="p1082 ft3"><SPAN class="ft4">dels </SPAN>att det ska införas tre nya paragrafer, 3 kap. 19 a och 29 a §§ och 5 kap. 4 a §, av följande lydelse.</P>
<TABLE cellpadding=0 cellspacing=0 class="t55">
<TR>
<TD class="tr2 td60"><P class="p3 ft4">Nuvarande lydelse</P></TD>
<TD class="tr2 td167"><P class="p3 ft41">Föreslagen lydelse</P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 180px;margin-top: 10px;margin-bottom: 0px;" class="ft42"><SPAN class="ft115">2</SPAN><SPAN style="font: bold 13px 'Arial';margin-left: 4px;line-height: 16px;">kap.</SPAN></P>
<P style="text-align: justify;padding-left: 189px;margin-top: 0px;margin-bottom: 0px;" class="ft3">2 §</P>
<P class="p606 ft3">Tillstånd att ge ut elektroniska pengar behövs inte för</P>
<P class="p462 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">banker och kreditmarknadsföretag enligt lagen (2004:297) om bank- och finansieringsrörelse,</SPAN></P>
<P class="p462 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">statliga och kommunala myndigheter, när de ägnar sig åt myndig- hetsutövning,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft33">sådana utländska fysiska och juridiska personer och myndigheter inom EES som motsvarar dem i 1 och 2,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft33">Europeiska centralbanken och nationella centralbanker i andra EES- länder, när de inte agerar i egenskap av monetär eller offentlig myndig- het,</SPAN></P>
<P class="p462 ft3"><SPAN class="ft5">5.</SPAN><SPAN class="ft32">postgiroinstitut inom EES som enligt nationell lagstiftning har rätt att ge ut elektroniska pengar, och</SPAN></P>
<P class="p461 ft3"><SPAN class="ft5">6.</SPAN><SPAN class="ft32">filialer till kreditinstitut från länder utanför EES.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: 12px 'Arial';">
<TR>
<TD class="tr15 td60"><P class="p21 ft3">Särskilda bestämmelser om</P></TD>
<TD class="tr15 td72"><P class="p17 ft3">Särskilda bestämmelser om</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">utländska företag finns i 3 kap.</P></TD>
<TD class="tr16 td72"><P class="p17 ft6">utländska företag finns i 3 kap.</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P style="text-align: right;padding-right: 151px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5"><NOBR>26<SPAN class="ft41">–</SPAN>28</NOBR> §§.</P></TD>
<TD class="tr20 td72"><P style="text-align: right;padding-right: 116px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">26 <SPAN class="ft41">och </SPAN>28 §§.</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 180px;margin-top: 8px;margin-bottom: 0px;" class="ft42">3 kap.</P>
<P style="text-align: left;padding-left: 189px;margin-top: 1px;margin-bottom: 0px;" class="ft3">6 §</P>
<P class="p213 ft3">Ett institut för elektroniska pengar eller en registrerad utgivare får i sin verksamhet med utgivning av elektroniska pengar eller tillhandahållande av betaltjänster inte</P>
<P class="p462 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">ta emot insättningar eller andra återbetalningspliktiga medel från allmänheten, eller</SPAN></P>
<P class="p462 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">erbjuda andra konton än betalkonton som uteslutande används för betalningstransaktioner.</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr28 td60"><P class="p21 ft3">Ett institut för elektroniska</P></TD>
<TD class="tr28 td65"><P class="p31 ft3">Ett</P></TD>
<TD class="tr28 td58"><P class="p3 ft3">institut</P></TD>
<TD class="tr28 td75"><P class="p146 ft3">för</P></TD>
<TD colspan=2 class="tr28 td78"><P class="p17 ft7">elektroniska</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft5">pengar och en registrerad utgivare</P></TD>
<TD colspan=5 class="tr16 td72"><P class="p3 ft5">pengar och en registrerad utgivare</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft3">får i sin verksamhet med betal-</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p3 ft3">får i sin verksamhet med betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">tjänster bevilja kredit för sådana</P></TD>
<TD class="tr16 td65"><P class="p3 ft5">tjänster</P></TD>
<TD class="tr16 td58"><P class="p70 ft6">bevilja</P></TD>
<TD class="tr16 td75"><P class="p3 ft6">kredit</P></TD>
<TD class="tr16 td180"><P class="p74 ft6">för</P></TD>
<TD class="tr16 td142"><P class="p17 ft7">sådana</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">betaltjänster som avses i 1 kap.</P></TD>
<TD colspan=4 class="tr16 td172"><P class="p3 ft6">betaltjänster som avses i</P></TD>
<TD class="tr16 td142"><P class="p17 ft6">1 kap.</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft5">2 § <NOBR><SPAN class="ft41">2–</SPAN>4</NOBR> och <SPAN class="ft41">6 </SPAN>lagen (2010:751) om</P></TD>
<TD colspan=5 class="tr15 td72"><P class="p3 ft3">2 § 4 och <SPAN class="ft4">5 </SPAN>lagen (2010:751) om</P></TD>
</TR>
<TR>
<TD class="tr21 td60"><P style="text-align: right;padding-right: 119px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">betaltjänster om</P></TD>
<TD colspan=2 class="tr21 td190"><P class="p3 ft24">betaltjänster om</P></TD>
<TD class="tr21 td75"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td180"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td142"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p213 ft3">1. krediten endast utnyttjas i samband med genomförande av en betalningstransaktion,</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_633" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD colspan=12 class="tr22 td329"><P class="p90 ft3">2. krediten inte beviljas ur medel som innehas för att genomföra en</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=9 class="tr15 td259"><P class="p3 ft3">betalningstransaktion eller ur medel som tagits emot</P></TD>
<TD colspan=2 class="tr15 td158"><P class="p3 ft3">i utbyte</P></TD>
<TD class="tr15 td74"><P class="p42 ft5">mot</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td217"><P class="p3 ft6">elektroniska pengar, och</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td200"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=12 class="tr16 td329"><P class="p90 ft6">3. kredit som utnyttjas vid betalning med betalningsinstrument, som</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=12 class="tr15 td329"><P class="p3 ft3">lämnats inom ramen för gränsöverskridande verksamhet inom EES,</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td270"><P class="p3 ft5">återbetalas inom 12 månader.</P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td200"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td92"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=12 class="tr16 td329"><P class="p90 ft6">Institut för elektroniska pengar får bevilja kredit enligt andra stycket</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=12 class="tr15 td329"><P class="p3 ft3">bara om institutets kapitalbas är tillfredsställande med hänsyn till det</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr20 td95"><P class="p3 ft3">totala kreditbeloppet.</P></TD>
<TD class="tr20 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td200"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td84"><P class="p661 ft3">18 §<SPAN class="ft43">1</SPAN></P></TD>
<TD class="tr29 td92"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=12 class="tr16 td329"><P class="p90 ft6">Om ett institut för elektroniska pengar eller en registrerad utgivare vill</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=12 class="tr16 td329"><P class="p3 ft6">tillhandahålla betaltjänster genom ombud<SPAN class="ft4">, </SPAN>ska institutet eller utgivaren</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=9 class="tr15 td259"><P class="p3 ft5">anmäla ombudet för registrering hos Finansinspektionen.</P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td217"><P class="p90 ft6">Anmälan ska innehålla</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=2 rowspan=2 class="tr31 td106"><P class="p90 ft5">1. ombudets</P></TD>
<TD colspan=2 rowspan=2 class="tr31 td78"><P class="p70 ft3">namn och</P></TD>
<TD colspan=2 rowspan=2 class="tr31 td158"><P class="p42 ft3">adress</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p90 ft6">1. ombudets namn och adress,</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">samt ombudets unika identifika-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td200"><P class="p3 ft4">tionskod</P></TD>
<TD class="tr16 td92"><P class="p179 ft41">eller</P></TD>
<TD colspan=4 class="tr16 td86"><P class="p74 ft4">identifikationsnum-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td218"><P class="p3 ft41">mer om sådana uppgifter finns<SPAN class="ft5">,</SPAN></P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p90 ft3">2. om</P></TD>
<TD colspan=2 class="tr15 td18"><P class="p72 ft3">ombudet är</P></TD>
<TD class="tr15 td70"><P class="p71 ft3">en</P></TD>
<TD colspan=2 class="tr15 td150"><P class="p62 ft3">juridisk</P></TD>
<TD class="tr15 td200"><P class="p90 ft3">2. om</P></TD>
<TD colspan=3 class="tr15 td110"><P class="p3 ft3">ombudet är en</P></TD>
<TD colspan=2 class="tr15 td158"><P class="p42 ft3">juridisk</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">person, namn, personnummer eller</P></TD>
<TD class="tr16 td200"><P class="p3 ft6">person,</P></TD>
<TD colspan=3 class="tr16 td110"><P class="p645 ft4">dessutom</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p42 ft6">namn,</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">motsvarande samt adress för <SPAN class="ft4">dem</SPAN></P></TD>
<TD colspan=2 class="tr16 td106"><P class="p3 ft7">personnummer</P></TD>
<TD class="tr16 td75"><P class="p41 ft6">eller</P></TD>
<TD colspan=3 class="tr16 td210"><P class="p42 ft6">motsvarande</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">som ingår i ombudets styrelse eller</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">samt adress för <SPAN class="ft4">var och en </SPAN>som</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td217"><P class="p3 ft6">är verkställande direktör,</P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">ingår i ombudets styrelse eller är</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td217"><P class="p3 ft5"><SPAN class="ft41">dess </SPAN>verkställande direktör,</P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td47"><P class="p90 ft3">3. uppgifter</P></TD>
<TD colspan=2 class="tr15 td122"><P class="p146 ft3">som visar</P></TD>
<TD class="tr15 td27"><P class="p70 ft3">att</P></TD>
<TD class="tr15 td34"><P class="p62 ft3">de</P></TD>
<TD colspan=2 class="tr15 td106"><P class="p90 ft3">3. uppgifter</P></TD>
<TD class="tr15 td75"><P class="p72 ft3">som</P></TD>
<TD class="tr15 td74"><P class="p72 ft3">visar</P></TD>
<TD class="tr15 td13"><P class="p70 ft3">att</P></TD>
<TD class="tr15 td74"><P class="p42 ft3">de</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">personer som avses i 2 är lämpliga</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">personer som avses i 2 är lämpliga</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">för en sådan uppgift eller, om</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">för en sådan uppgift eller, om</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">ombudet är en fysisk person, att</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">ombudet är en fysisk person, att</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">han eller hon är lämplig att till-</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">han eller hon är lämplig att till-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td270"><P class="p3 ft6">handahålla betaltjänster, <SPAN class="ft4">och</SPAN></P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=4 class="tr16 td217"><P class="p3 ft6">handahålla betaltjänster,</P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p90 ft3">4. ombudets interna regler för hur</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p90 ft5">4. ombudets interna regler för hur</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">ombudet ska leva upp till de krav</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">ombudet ska leva upp till de krav</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">som anges i lagen (2017:630) om</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">som anges i lagen (2017:630) om</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft3">åtgärder</P></TD>
<TD class="tr15 td74"><P class="p75 ft3">mot</P></TD>
<TD colspan=3 class="tr15 td84"><P class="p75 ft3">penningtvätt</P></TD>
<TD class="tr15 td34"><P class="p62 ft7">och</P></TD>
<TD class="tr15 td200"><P class="p3 ft3">åtgärder</P></TD>
<TD class="tr15 td92"><P class="p228 ft5">mot</P></TD>
<TD colspan=3 class="tr15 td205"><P class="p93 ft3">penningtvätt</P></TD>
<TD class="tr15 td74"><P class="p42 ft3">och</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr16 td217"><P class="p3 ft6">finansiering av terrorism<SPAN class="ft4">.</SPAN></P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=5 class="tr16 td218"><P class="p3 ft6">finansiering av terrorism<SPAN class="ft4">, och</SPAN></P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td90"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td106"><P class="p90 ft4">5. uppgifter</P></TD>
<TD class="tr16 td75"><P class="p74 ft4">om</P></TD>
<TD class="tr16 td74"><P class="p71 ft4">vilka</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p42 ft4">betal-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td73"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td90"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft2"> </P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft4">tjänster ombudet har i uppdrag att</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 rowspan=2 class="tr31 td60"><P class="p90 ft3">Om anmälan uppfyller kraven i</P></TD>
<TD colspan=2 class="tr16 td106"><P class="p3 ft41">tillhandahålla.</P></TD>
<TD class="tr16 td75"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p90 ft6">Om anmälan uppfyller kraven i</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft3">andra stycket ska Finansinspek-</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">andra stycket ska Finansinspek-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">tionen registrera ombudet i det</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">tionen registrera ombudet i det</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft6">register som inspektionen för <SPAN class="ft4">med</SPAN></P></TD>
<TD class="tr16 td200"><P class="p3 ft6">register</P></TD>
<TD class="tr16 td92"><P class="p179 ft7">som</P></TD>
<TD colspan=3 class="tr16 td205"><P class="p93 ft6">inspektionen</P></TD>
<TD class="tr16 td74"><P class="p42 ft6">för</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p3 ft4">stöd av <SPAN class="ft3">5 kap. 5 §. </SPAN>Institut för elek-</P></TD>
<TD colspan=2 class="tr15 td106"><P class="p3 ft4">enligt <SPAN class="ft3">5 kap.</SPAN></P></TD>
<TD class="tr15 td75"><P class="p146 ft3">5 §.</P></TD>
<TD colspan=3 class="tr15 td210"><P class="p42 ft41">Finansinspek-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td73"><P class="p3 ft4">troniska</P></TD>
<TD colspan=2 class="tr16 td18"><P class="p72 ft4">pengar och</P></TD>
<TD colspan=3 class="tr16 td43"><P class="p62 ft41">registrerade</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">tionen ska inom två månader från</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p3 ft4">utgivare ska försäkra sig om att</P></TD>
<TD colspan=6 style="padding: 0px;margin: 0px;width: 201px;vertical-align: bottom;" class="tr16"><P class="p3 ft4">det att anmälan togs emot</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td73"><P class="p3 ft4">ombud</P></TD>
<TD class="tr20 td74"><P class="p3 ft4">som</P></TD>
<TD class="tr20 td90"><P class="p3 ft4">agerar</P></TD>
<TD class="tr20 td70"><P class="p75 ft4">för</P></TD>
<TD colspan=2 class="tr20 td150"><P class="p62 ft4">deras</P></TD>
<TD colspan=3 class="tr20 td28"><P class="p3 ft4">underrätta institutet</P></TD>
<TD colspan=3 class="tr20 td210"><P class="p42 ft4">för elektron-</P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 68px;margin-top: 28px;margin-bottom: 0px;" class="ft7"><SPAN class="ft44">1 </SPAN>Senaste lydelse 2017:655.</P>
<P class="p14 ft3">633</P>
</DIV>
<DIV id="page_634" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">634</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR height=0>
<TD width=205px></TD>
<TD width=33px></TD>
<TD width=46px></TD>
<TD width=34px></TD>
<TD width=58px></TD>
<TD width=18px></TD>
</TR>
<TR>
<TD class="tr2 td60"><P class="p3 ft4">räkning informerar betaltjänst-</P></TD>
<TD colspan=5 class="tr2 td72"><P class="p3 ft4">iska pengar eller den registrerade</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft4">användarna om detta förhållande.</P></TD>
<TD colspan=4 class="tr15 td131"><P class="p3 ft4">utgivaren om sitt beslut.</P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td72"><P class="p17 ft4">Ombudet får inte tillhandahålla</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td62"><P class="p3 ft4">betaltjänster</P></TD>
<TD class="tr16 td74"><P class="p146 ft4">innan</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p17 ft4">registrering</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr15 td131"><P class="p3 ft4">enligt tredje stycket har gjorts<SPAN class="ft3">.</SPAN></P></TD>
<TD class="tr15 td120"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td62"><P class="p31 ft4">Institut för</P></TD>
<TD colspan=3 class="tr16 td121"><P class="p17 ft41">elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft4">och</P></TD>
<TD colspan=2 class="tr16 td136"><P class="p3 ft4">registrerade</P></TD>
<TD class="tr16 td150"><P class="p3 ft4">utgivare</P></TD>
<TD class="tr16 td120"><P class="p17 ft41">ska</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr15 td72"><P class="p3 ft4">försäkra sig om att ombud som</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=5 class="tr16 td72"><P class="p3 ft4">agerar för deras räkning infor-</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td66"><P class="p3 ft4">merar</P></TD>
<TD colspan=3 class="tr16 td152"><P class="p93 ft4">betaltjänstanvändarna</P></TD>
<TD class="tr16 td120"><P class="p17 ft4">om</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr20 td28"><P class="p3 ft4">detta förhållande.</P></TD>
<TD class="tr20 td150"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td120"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p244 ft3">19 §</P>
<P class="p463 ft64">Om ett institut för elektroniska pengar vill distribuera elektroniska pengar, lösa in elektroniska pengar eller tillhandahålla betaltjänster genom ombud i ett annat land inom EES, ska institutet underrätta Finans-</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD colspan=4 class="tr15 td159"><P class="p3 ft3">inspektionen om detta.</P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td270"><P class="p31 ft7">Underrättelsen ska innehålla</P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4"><SPAN class="ft6">1. </SPAN>en plan för den avsedda verk-</P></TD>
<TD class="tr16 td72"><P class="p27 ft4"><SPAN class="ft6">1. </SPAN>uppgifter om institutets namn</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p21 ft4">samheten med uppgift om om-</P></TD>
<TD class="tr15 td72"><P class="p3 ft4">och adress<SPAN class="ft3">,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td200"><P class="p3 ft4">budets</P></TD>
<TD colspan=3 class="tr16 td35"><P class="p146 ft4">organisation</P></TD>
<TD class="tr16 td74"><P class="p71 ft4">och</P></TD>
<TD class="tr16 td34"><P class="p21 ft4">de</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">tjänster som ombudet avser att till-</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=4 class="tr15 td159"><P class="p3 ft4">handahålla, och</P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4"><SPAN class="ft6">2. </SPAN>uppgifter om ombudets namn</P></TD>
<TD class="tr16 td72"><P class="p27 ft4"><SPAN class="ft6">2. </SPAN>uppgift om i vilket land</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">och adress samt dess ansvariga</P></TD>
<TD class="tr16 td72"><P class="p3 ft4">verksamheten ska drivas, och</P></TD>
</TR>
<TR>
<TD class="tr20 td200"><P class="p3 ft4">ledning.</P></TD>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft46"> </P></TD>
<TD rowspan=2 class="tr31 td72"><P class="p17 ft4">3. de uppgifter som anges i 18 §</P></TD>
</TR>
<TR>
<TD class="tr30 td200"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td94"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td100"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td73"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td74"><P class="p3 ft47"> </P></TD>
<TD class="tr30 td34"><P class="p3 ft47"> </P></TD>
</TR>
<TR>
<TD class="tr15 td200"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td73"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td72"><P class="p3 ft4">andra stycket.</P></TD>
</TR>
<TR>
<TD class="tr15 td200"><P class="p31 ft4">Innan</P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td85"><P class="p21 ft41">Finansinspektionen</P></TD>
<TD class="tr15 td72"><P class="p17 ft4">Institutet ska underrätta Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td200"><P class="p3 ft4">beslutar</P></TD>
<TD class="tr16 td94"><P class="p72 ft4">att</P></TD>
<TD colspan=2 class="tr16 td153"><P class="p71 ft4">registrera</P></TD>
<TD colspan=2 class="tr16 td208"><P class="p21 ft4">ombudet</P></TD>
<TD class="tr16 td72"><P class="p27 ft4">inspektionen om vilken dag verk-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">enligt 5 kap. 5 §, ska inspektionen</P></TD>
<TD class="tr16 td72"><P class="p17 ft4">samheten genom ombudet påbör-</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p21 ft4">underrätta den behöriga myndig-</P></TD>
<TD class="tr15 td72"><P class="p3 ft4">jas i det andra landet.</P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">heten i det andra landet. Under-</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td200"><P class="p3 ft4">rättelsen</P></TD>
<TD class="tr16 td94"><P class="p3 ft4">ska</P></TD>
<TD colspan=4 class="tr16 td168"><P class="p21 ft41">innehålla uppgifterna</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td84"><P class="p3 ft4">enligt andra</P></TD>
<TD class="tr15 td73"><P class="p74 ft4">stycket.</P></TD>
<TD colspan=2 class="tr15 td208"><P class="p21 ft4">Finans-</P></TD>
<TD class="tr15 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">inspektionen får vägra att regi-</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">strera ombud eller återkalla en</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td200"><P class="p3 ft4">utförd</P></TD>
<TD colspan=3 class="tr15 td35"><P class="p3 ft4">registrering,</P></TD>
<TD class="tr15 td74"><P class="p3 ft4">om</P></TD>
<TD class="tr15 td34"><P class="p21 ft4">den</P></TD>
<TD class="tr15 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">behöriga myndigheten i det andra</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">landet har skälig anledning att</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr15 td60"><P class="p21 ft4">anta att penningtvätt eller finan-</P></TD>
<TD class="tr15 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">siering av terrorism äger rum eller</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">har ägt rum eller har försökt</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td79"><P class="p3 ft4">genomföras</P></TD>
<TD class="tr15 td100"><P class="p71 ft4">i</P></TD>
<TD colspan=2 class="tr15 td47"><P class="p31 ft4">anknytning</P></TD>
<TD class="tr15 td34"><P class="p21 ft4">till</P></TD>
<TD class="tr15 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">ombudet, eller om anlitandet av</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td60"><P class="p21 ft4">ombudet kan öka risken för pen-</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td200"><P class="p3 ft4">ningtvätt</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p130 ft4">eller</P></TD>
<TD colspan=2 class="tr16 td47"><P class="p90 ft4">finansiering</P></TD>
<TD class="tr16 td34"><P class="p21 ft4">av</P></TD>
<TD class="tr16 td72"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
<P class="p15 ft4">terrorism.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_635" style="position:relative; overflow: hidden;margin: 49px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P class="p236 ft4">19 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Inom en månad från det att en underrättelse enligt 19 § första eller tredje stycket togs emot ska Finansinspektionen lämna över den till den behöriga myndigheten i det land där ombudet ska verka.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Finansinspektionen ska inom tre månader från det att en under- rättelse enligt 19 § första stycket togs emot underrätta den behöriga myndigheten i det andra landet och institutet om sitt beslut i fråga om registrering.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Finansinspektionen ska vägra att registrera ett ombud eller åter- kalla en utförd registrering, om inspektionen har skälig anledning att anta att penningtvätt eller finansiering av terrorism, eller försök till sådana förfaranden, förekommer eller har förekommit i anknytning till ombudet, eller om anlitandet av ombudet kan öka risken för penningtvätt eller finansiering av terrorism. Finans- inspektionen ska vid denna bedömning beakta den information som inspektionen tagit emot från den behöriga myndigheten i det andra landet.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 12px;margin-top: 8px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Om Finansinspektionen vägrar att registrera ett ombud enligt tredje stycket och den behöriga myndig- heten i det andra landet inte har samma uppfattning i frågan om huruvida det finns risk för pen- ningtvätt eller finansiering av terrorism på grund av att ombudet anlitas, ska inspektionen under- rätta den myndigheten om skälen för beslutet.</P>
<P style="text-align: left;padding-left: 185px;margin-top: 32px;margin-bottom: 0px;" class="ft3">20 §</P>
<P class="p611 ft64">Ett institut för elektroniska pengar som avser att ge ut elektroniska pengar eller tillhandahålla betaltjänster genom en filial i ett annat land inom EES ska underrätta Finansinspektionen innan verksamheten påbörjas.</P>
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD class="tr15 td60"><P class="p196 ft7">Underrättelsen ska innehålla</P></TD>
<TD class="tr15 td61"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft4"><SPAN class="ft6">1. </SPAN>en plan för den avsedda verk-</P></TD>
<TD class="tr16 td61"><P class="p90 ft4"><SPAN class="ft6">1. </SPAN>uppgifter om institutets namn</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p62 ft4">samheten med uppgift om filialens</P></TD>
<TD class="tr15 td61"><P class="p3 ft4">och adress<SPAN class="ft3">,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr28 td60"><P class="p62 ft4">organisation och de tjänster som</P></TD>
<TD class="tr28 td61"><P class="p3 ft46"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">635</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_636" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 556px;">
<DIV style="position:absolute;top:495px;left:367px;width:189px;height:109px;"><SPAN class="ft4">Inom en månad från det att en underrättelse enligt 20 § första stycket eller tredje stycket togs emot ska </SPAN><SPAN class="ft3">Finansinspektionen lämna över </SPAN><SPAN class="ft4">den </SPAN><SPAN class="ft3">till den behöriga myndigheten i det land där filialen ska inrättas.</SPAN></DIV>
<DIV style="position:absolute;top:602px;left:367px;width:189px;height:105px;"><SPAN class="ft4">Finansinspektionen ska inom tre månader från det att en under- rättelse enligt 20 § första stycket togs emot underrätta den behöriga myndigheten i det andra landet och institutet om sitt beslut i fråga om registrering.</SPAN></DIV>
<DIV style="position:absolute;top:709px;left:367px;width:189px;height:80px;"><SPAN class="ft50">Finansinspektionen ska vägra att registrera en filial eller åter- kalla en utförd registrering, om inspektionen har skälig anledning att anta att penningtvätt eller</SPAN></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">636</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 205px;overflow: hidden;">
<P class="p15 ft4">den avser att tillhandahålla<SPAN class="ft3">, </SPAN>och</P>
<P style="text-align: justify;padding-right: 15px;margin-top: 1px;margin-bottom: 0px;text-indent: 11px;" class="ft59">2. <SPAN class="ft54">uppgifter </SPAN>om i vilket land filialen ska inrättas <SPAN class="ft54">samt om filialens adress och ansvariga ledning.</SPAN></P>
<P style="text-align: justify;padding-right: 15px;margin-top: 103px;margin-bottom: 0px;text-indent: 11px;" class="ft41">Innan Finansinspektionen beslut- ar att registrera filialen enligt 5 kap. 5 §, ska inspektionen under- rätta den behöriga myndigheten i det andra landet. Underrättelsen ska innehålla uppgifterna enligt första stycket. Finansinspektionen får vägra att registrera en filial eller återkalla en utförd regist- rering, om den behöriga myndig- heten i det andra landet har skälig anledning att anta att penningtvätt eller finansiering av terrorism äger rum eller har ägt rum eller har försökt genomföras i anknytning till filialen, eller om anlitandet av filialen kan öka risken för penning- tvätt eller finansiering av terror- ism.</P>
</DIV>
<DIV style="float:left;border:none;margin: 17px 0px 0px 0px;padding: 0px;border:none;width: 189px;overflow: hidden;">
<P style="text-align: justify;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft53">uppgift </SPAN>om i vilket land filialen ska inrättas<SPAN class="ft4">,</SPAN></P>
<P style="text-align: justify;margin-top: 12px;margin-bottom: 0px;text-indent: 12px;" class="ft50"><SPAN class="ft4">3.</SPAN><SPAN class="ft67">uppgifter om vilka tjänster filialen avser att tillhandahålla, och</SPAN></P>
<P style="text-align: justify;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft4"><SPAN class="ft4">4.</SPAN><SPAN class="ft53">en beskrivning av filialens organisatoriska struktur och vilka som är ansvariga för ledningen av filialen.</SPAN></P>
<P class="p632 ft50">Institutet ska underrätta Finans- inspektionen om vilken dag verk- samheten genom filialen påbörjas i det andra landet.</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 34px 0px 0px 0px;padding: 0px;border:none;width: 209px;overflow: hidden;">
<P class="p436 ft3">21 § Finansinspektionen <SPAN class="ft4">ska </SPAN>lämna</P>
<P class="p437 ft4"><SPAN class="ft3">över </SPAN>en underrättelse enligt 20 § <SPAN class="ft3">till den behöriga myndigheten i det land där filialen ska inrättas </SPAN>inom en månad från det att underrät- telsen från institutet för elek- troniska pengar togs emot<SPAN class="ft3">.</SPAN></P>
</DIV>
</DIV>
</DIV>
</DIV>
<DIV id="page_637" style="position:relative; overflow: hidden;margin: 49px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV style="position:absolute;top:447px;left:205px;width:188px;height:34px;"><SPAN class="ft76">1. </SPAN><SPAN class="ft50">uppgifter om institutets namn och adress</SPAN><SPAN class="ft76">,</SPAN></DIV>
<DIV style="position:absolute;top:524px;left:205px;width:188px;height:65px;"><SPAN class="ft76">2. </SPAN><SPAN class="ft50">uppgift </SPAN><SPAN class="ft76">om i vilket land </SPAN><SPAN class="ft50">insti- tutet ska driva sin verksamhet, och 3. uppgifter om vilka tjänster institutet avser att tillhandahålla.</SPAN></DIV>
<DIV class="dclr"></DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft4">finansiering av terrorism, eller försök till sådana förfaranden, förekommer eller har förekommit i anknytning till filialen, eller om inrättandet av filialen kan öka risken för penningtvätt eller finansiering av terrorism. Finans- inspektionen ska vid denna bedöm- ning beakta den information som inspektionen tagit emot från den behöriga myndigheten i det andra landet.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 6px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om Finansinspektionen vägrar att registrera en filial enligt andra stycket och den behöriga myndig- heten i det andra landet inte har samma uppfattning i frågan om huruvida det finns risk för pen- ningtvätt eller finansiering av terrorism på grund av att filialen inrättas, ska Finansinspektionen underrätta den myndigheten om skälen för beslutet.</P>
<P style="text-align: left;padding-left: 190px;margin-top: 17px;margin-bottom: 0px;" class="ft3">22 §</P>
<P class="p611 ft5">Ett institut för elektroniska pengar som avser att från Sverige ge ut elektroniska pengar eller tillhandahålla betaltjänster i ett annat land inom EES ska underrätta Finansinspektionen innan verksamheten påbörjas. Underrättelsen ska innehålla</P>
<P style="text-align: justify;padding-right: 218px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4"><SPAN class="ft3">1. </SPAN>en plan för den avsedda verksamheten med uppgift om de tjänster som institutet för elektron- iska pengar avser att tillhanda- hålla<SPAN class="ft3">, </SPAN>och</P>
<P style="text-align: justify;padding-right: 218px;margin-top: 2px;margin-bottom: 0px;text-indent: 11px;" class="ft50"><SPAN class="ft76">2. </SPAN>uppgifter <SPAN class="ft76">om i vilket land </SPAN>verksamheten ska bedrivas.</P>
<P style="text-align: left;padding-left: 185px;margin-top: 41px;margin-bottom: 0px;" class="ft3">25 §</P>
<P class="p611 ft64">Om ett institut för elektroniska pengar eller en registrerad utgivare avser att ändra den verksamhet som avses i 18, 19, 20, 22 eller 24 § ska institutet eller utgivaren underrätta Finansinspektionen innan ändringen</P>
<TABLE cellpadding=0 cellspacing=0 class="t20">
<TR>
<TD class="tr28 td60"><P class="p3 ft3">genomförs.</P></TD>
<TD class="tr28 td64"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td46"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td100"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p90 ft6">Om ändringen rör verksamhet</P></TD>
<TD class="tr16 td64"><P class="p90 ft6">Om ändringen rör</P></TD>
<TD colspan=2 class="tr16 td149"><P class="p17 ft7">verksamhet</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">som ett institut för elektroniska</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p17 ft6">som ett institut för elektroniska</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p3 ft3">pengar <SPAN class="ft4">bedriver </SPAN>i ett annat land,</P></TD>
<TD colspan=3 class="tr15 td61"><P class="p17 ft5">pengar <SPAN class="ft41">driver </SPAN>i ett annat land, ska</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">ska Finansinspektionen underrätta</P></TD>
<TD class="tr16 td64"><P class="p3 ft6">Finansinspektionen</P></TD>
<TD class="tr16 td46"><P class="p3 ft4">inom</P></TD>
<TD class="tr16 td100"><P class="p17 ft41">en</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p3 ft6">den behöriga myndigheten i det</P></TD>
<TD colspan=3 class="tr16 td61"><P class="p17 ft4">månad från det att underrättelsen</P></TD>
</TR>
<TR>
<TD class="tr20 td60"><P class="p3 ft3">andra landet om ändringen.</P></TD>
<TD colspan=3 class="tr20 td61"><P class="p17 ft5"><SPAN class="ft41">togs emot </SPAN>underrätta den behöriga</P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">637</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_638" style="position:relative; overflow: hidden;margin: 48px 0px 78px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">638</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: left;padding-left: 205px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft3">myndigheten i det andra landet om ändringen.</P>
<P style="text-align: left;padding-left: 191px;margin-top: 12px;margin-bottom: 0px;" class="ft3">26 §</P>
<P class="p463 ft40">Ett utländskt företag som hör hemma inom EES och som i hemlandet har tillstånd att ge ut elektroniska pengar behöver inte tillstånd enligt 2 kap. 1 § för att ge ut elektroniska pengar eller tillhandahålla betal-</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD colspan=3 class="tr15 td128"><P class="p3 ft3">tjänster i Sverige.</P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p21 ft6">Ett sådant utländskt företag får</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft5">Ett utländskt företag som avses i</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">ge ut elektroniska pengar eller</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft5">första stycket får ge ut elektroniska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td91"><P class="p3 ft3">tillhandahålla</P></TD>
<TD colspan=3 class="tr15 td18"><P class="p146 ft3">betaltjänster</P></TD>
<TD colspan=2 class="tr15 td9"><P class="p21 ft7">genom</P></TD>
<TD colspan=7 class="tr15 td72"><P class="p17 ft3">pengar eller tillhandahålla betal-</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">filial i Sverige, samt tillhandahålla</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft6">tjänster genom filial i Sverige,</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td91"><P class="p3 ft6">betaltjänster,</P></TD>
<TD colspan=3 class="tr16 td18"><P class="p307 ft6">distribuera</P></TD>
<TD colspan=2 class="tr16 td9"><P class="p21 ft6">elekt-</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p3 ft6">samt</P></TD>
<TD colspan=2 class="tr16 td79"><P class="p3 ft6">tillhandahålla</P></TD>
<TD colspan=3 class="tr16 td91"><P class="p17 ft6">betaltjänster,</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">roniska pengar eller lösa in elek-</P></TD>
<TD colspan=3 class="tr15 td149"><P class="p3 ft3">distribuera</P></TD>
<TD colspan=4 class="tr15 td134"><P class="p27 ft3">elektroniska pengar</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">troniska pengar genom ombud i</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft6">eller lösa in elektroniska pengar</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft6">Sverige, efter det att Finans-</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft5">genom ombud i Sverige, efter det</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft3">inspektionen har tagit emot <SPAN class="ft4">en</SPAN></P></TD>
<TD class="tr15 td94"><P class="p3 ft3">att</P></TD>
<TD colspan=4 class="tr15 td146"><P class="p3 ft5">Finansinspektionen</P></TD>
<TD class="tr15 td27"><P class="p72 ft3">har</P></TD>
<TD class="tr15 td75"><P class="p17 ft3">tagit</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td91"><P class="p3 ft4">underrättelse</P></TD>
<TD class="tr16 td180"><P class="p72 ft6">från</P></TD>
<TD colspan=4 class="tr16 td198"><P class="p21 ft6">den behöriga</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft6">emot <SPAN class="ft4">ett beslut </SPAN>från den behöriga</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4"><SPAN class="ft6">myndigheten i </SPAN>företagets hemland</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft6">myndigheten i <SPAN class="ft4">det land där</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td128"><P class="p3 ft4">som innehåller</P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p17 ft4">företaget hör hemma om att</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p21 ft4">1. en plan för den avsedda verk-</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft4">ombudet eller filialen har registre-</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4">samheten med uppgift om filialens</P></TD>
<TD colspan=5 class="tr16 td159"><P class="p3 ft41">rats av den myndigheten.</P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft4">eller</P></TD>
<TD colspan=5 class="tr15 td255"><P class="p135 ft4">ombudets organisation</P></TD>
<TD class="tr15 td34"><P class="p21 ft4">och</P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4">de tjänster som filialen eller om-</P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4">budet avser att tillhandahålla, och</P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td91"><P class="p31 ft4">2. uppgifter</P></TD>
<TD class="tr15 td180"><P class="p74 ft4">om</P></TD>
<TD colspan=4 class="tr15 td198"><P class="p21 ft4">filialens eller</P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td58"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td75"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td128"><P class="p3 ft4">ombudets adress</P></TD>
<TD class="tr16 td33"><P class="p3 ft4">och</P></TD>
<TD colspan=3 class="tr16 td91"><P class="p21 ft4">ansvariga</P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td58"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td75"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td91"><P class="p3 ft4">ledning.</P></TD>
<TD class="tr20 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td58"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr20 td75"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD class="tr29 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td11"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr29 td153"><P class="p424 ft3">27 §</P></TD>
<TD class="tr29 td100"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td58"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td94"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td27"><P class="p3 ft46"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft46"> </P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p21 ft4">Ett utländskt företag som avses i</P></TD>
<TD colspan=2 class="tr16 td34"><P class="p31 ft4">När</P></TD>
<TD colspan=4 class="tr16 td108"><P class="p36 ft41">Finansinspektionen</P></TD>
<TD class="tr16 td75"><P class="p17 ft4">har</P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft4">26 §</P></TD>
<TD class="tr15 td119"><P class="p72 ft4">första</P></TD>
<TD colspan=2 class="tr15 td58"><P class="p239 ft41">stycket</P></TD>
<TD class="tr15 td70"><P class="p307 ft4">får</P></TD>
<TD class="tr15 td11"><P class="p146 ft4">ge</P></TD>
<TD class="tr15 td34"><P class="p21 ft4">ut</P></TD>
<TD colspan=7 class="tr15 td72"><P class="p17 ft4">tagit emot en underrättelse från en</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4">elektroniska pengar eller tillhanda-</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft4">myndighet i ett annat land inom</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4">hålla betaltjänster i Sverige från</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft4">EES om att ett utländskt företag</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft4">sitt hemland så snart Finansinspek-</P></TD>
<TD colspan=7 class="tr15 td72"><P class="p17 ft41">avser att ge ut elektroniska pengar</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4">tionen har tagit emot en underrät-</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft4">eller tillhandahålla betaltjänster i</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4">telse från behörig myndighet i före-</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft4">Sverige, ska inspektionen inom en</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr15 td60"><P class="p3 ft4">tagets hemland som anger vilka</P></TD>
<TD colspan=7 class="tr15 td72"><P class="p27 ft4">månad lämna relevanta uppgifter</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4">tjänster institutet för elektroniska</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft41">till den behöriga myndigheten i det</P></TD>
</TR>
<TR>
<TD colspan=7 class="tr16 td60"><P class="p3 ft4">pengar avser att tillhandahålla i</P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft4">andra landet om det utländska</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td91"><P class="p3 ft4">Sverige.</P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td149"><P class="p3 ft4">företagets</P></TD>
<TD colspan=2 class="tr15 td138"><P class="p172 ft41">planerade</P></TD>
<TD colspan=2 class="tr15 td158"><P class="p27 ft41">tillhanda-</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft4">hållande av tjänster här i landet.</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td94"><P class="p3 ft4">Om</P></TD>
<TD colspan=6 class="tr16 td89"><P class="p27 ft4">tjänster ska tillhandahållas</P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p17 ft41">genom ett ombud eller en filial, ska</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p27 ft4">det av underrättelsen framgå om</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD colspan=4 class="tr16 td146"><P class="p3 ft4">Finansinspektionen</P></TD>
<TD colspan=2 class="tr16 td82"><P class="p130 ft4">har</P></TD>
<TD class="tr16 td75"><P class="p17 ft41">skälig</P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr15 td72"><P class="p17 ft41">anledning att anta att penningtvätt</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD colspan=2 class="tr16 td34"><P class="p3 ft4">eller</P></TD>
<TD colspan=2 class="tr16 td79"><P class="p3 ft4">finansiering</P></TD>
<TD class="tr16 td94"><P class="p3 ft4">av</P></TD>
<TD colspan=2 class="tr16 td158"><P class="p27 ft4">terrorism,</P></TD>
</TR>
<TR>
<TD class="tr16 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr16 td34"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr16 td72"><P class="p17 ft4">eller försök till sådana för-</P></TD>
</TR>
<TR>
<TD class="tr15 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr15 td34"><P class="p3 ft46"> </P></TD>
<TD colspan=3 class="tr15 td149"><P class="p3 ft4">faranden,</P></TD>
<TD colspan=2 class="tr15 td138"><P class="p326 ft4">förekommer</P></TD>
<TD colspan=2 class="tr15 td158"><P class="p17 ft4">eller har</P></TD>
</TR>
<TR>
<TD class="tr28 td66"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td119"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td180"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td33"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td70"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td11"><P class="p3 ft46"> </P></TD>
<TD class="tr28 td34"><P class="p3 ft46"> </P></TD>
<TD colspan=7 class="tr28 td72"><P class="p27 ft41">förekommit i anknytning till filialen</P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
</DIV>
<DIV id="page_639" style="position:relative; overflow: hidden;margin: 49px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft50">eller ombudet, eller om anlitandet av filialen eller ombudet kan öka risken för penningtvätt eller finan- siering av terrorism.</P>
<P class="p433 ft4">29 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Om ett institut för elektroniska pengar eller en registrerad utgiva- re avser att ändra den verksamhet som avses i 29 §, ska institutet eller utgivaren anmäla detta till Finans- inspektionen innan ändringen genomförs.</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 13px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft50">Om ändringen rör ett instituts verksamhet i ett annat land inom EES, ska Finansinspektionen inom en månad från det att under- rättelsen togs emot underrätta den behöriga myndigheten i det andra landet om ändringen.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 393px;margin-top: 6px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr22 td77"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr22 td24"><P style="text-align: left;padding-left: 56px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft42">5 kap.</P></TD>
<TD class="tr22 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr22 td195"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr15 td77"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td47"><P class="p17 ft3">2 §</P></TD>
<TD class="tr15 td70"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td195"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td77"><P class="p90 ft6">Ett institut för</P></TD>
<TD class="tr16 td47"><P class="p62 ft7">elektroniska</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft5">Ett institut för elektroniska pengar<SPAN class="ft41">,</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">pengar <SPAN class="ft4">och </SPAN>en registrerad utgivare</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft5">en registrerad utgivare <SPAN class="ft41">och utländ-</SPAN></P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td60"><P class="p3 ft3">ska lämna Finansinspektionen de</P></TD>
<TD colspan=4 class="tr15 td61"><P class="p3 ft41">ska företag som ger ut elektroniska</P></TD>
</TR>
<TR>
<TD class="tr16 td77"><P class="p3 ft6">upplysningar om sin</P></TD>
<TD class="tr16 td47"><P class="p62 ft5">verksamhet</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft41">pengar eller tillhandahåller betal-</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td60"><P class="p3 ft6">som inspektionen begär.</P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft4">tjänster genom filial i Sverige,</P></TD>
</TR>
<TR>
<TD class="tr15 td77"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td47"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft4">eller</P></TD>
<TD colspan=3 class="tr15 td216"><P class="p17 ft4">tillhandahåller betaltjänster,</P></TD>
</TR>
<TR>
<TD class="tr16 td77"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td79"><P class="p3 ft4">distribuerar</P></TD>
<TD colspan=2 class="tr16 td28"><P class="p17 ft4">elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr16 td77"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td61"><P class="p3 ft4">eller löser in elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr15 td77"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td61"><P class="p3 ft4">genom ombud enligt 3 kap. 26 §,</P></TD>
</TR>
<TR>
<TD class="tr16 td77"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td70"><P class="p3 ft6">ska</P></TD>
<TD colspan=3 class="tr16 td216"><P class="p17 ft7">lämna Finansinspektionen de</P></TD>
</TR>
<TR>
<TD class="tr16 td77"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td79"><P class="p3 ft6">upplysningar</P></TD>
<TD colspan=2 class="tr16 td28"><P class="p17 ft6">om sin verksamhet</P></TD>
</TR>
<TR>
<TD class="tr15 td77"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td47"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td70"><P class="p3 ft4">och</P></TD>
<TD colspan=2 class="tr15 td122"><P class="p130 ft4">därmed</P></TD>
<TD class="tr15 td195"><P class="p17 ft41">sammanhängande</P></TD>
</TR>
<TR>
<TD class="tr16 td77"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr16 td137"><P class="p3 ft4">omständigheter</P></TD>
<TD class="tr16 td195"><P class="p17 ft7">som inspektionen</P></TD>
</TR>
<TR>
<TD class="tr20 td77"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td47"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr20 td79"><P class="p3 ft3">begär.</P></TD>
<TD class="tr20 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td195"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P class="p348 ft3">3 §</P>
<P class="p514 ft3">Finansinspektionen får när det är nödvändigt genomföra en under- sökning hos</P>
<P class="p79 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">ett institut för elektroniska pengar,</SPAN></P>
<P class="p79 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">en registrerad utgivare, och</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t46">
<TR>
<TD class="tr28 td60"><P class="p62 ft3">3. utländska företag som ger ut</P></TD>
<TD class="tr28 td61"><P class="p90 ft5">3. utländska företag som ger ut</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p62 ft6">elektroniska pengar i Sverige</P></TD>
<TD class="tr16 td61"><P class="p3 ft6">elektroniska pengar i Sverige</P></TD>
</TR>
<TR>
<TD class="tr21 td60"><P class="p426 ft24">enligt 3 kap. <NOBR>26<SPAN class="ft84">–</SPAN>28</NOBR> §§.</P></TD>
<TD class="tr21 td61"><P class="p3 ft23">enligt 3 kap. 26 <SPAN class="ft62">och </SPAN>28 §§.</P></TD>
</TR>
</TABLE>
<P class="p514 ft6">Om det behövs för tillsynen av ett institut för elektroniska pengar eller en registrerad utgivare, får Finansinspektionen genomföra en under- sökning hos</P>
<P class="p79 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">en filial till institutet,</SPAN></P>
<P class="p79 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">ett ombud till institutet eller utgivaren, och</SPAN></P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">639</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_640" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">640</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p213 ft3">3. ett företag som har fått i uppdrag att utföra visst arbete eller vissa funktioner åt institutet eller utgivaren.</P>
<P class="p213 ft3">En undersökning hos en registrerad utgivare får endast omfatta den verksamhet som avser utgivning av elektroniska pengar eller tillhanda- hållande av betaltjänster.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;margin-top: 10px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr2 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td80"><P class="p3 ft3">4 §</P></TD>
<TD class="tr2 td14"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td182"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td162"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td179"><P class="p31 ft3">Finansinspektionen</P></TD>
<TD class="tr15 td81"><P class="p3 ft3">ska i</P></TD>
<TD class="tr15 td13"><P class="p17 ft3">sin</P></TD>
<TD colspan=4 class="tr15 td152"><P class="p235 ft5">Finansinspektionen</P></TD>
<TD colspan=2 class="tr15 td135"><P class="p70 ft3">ska</P></TD>
<TD class="tr15 td161"><P class="p3 ft3">i</P></TD>
<TD class="tr15 td162"><P class="p27 ft3">sin</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td128"><P class="p3 ft5">tillsynsverksamhet</P></TD>
<TD colspan=2 class="tr16 td55"><P class="p146 ft6">samarbeta</P></TD>
<TD class="tr16 td13"><P class="p17 ft5">och</P></TD>
<TD colspan=8 class="tr16 td60"><P class="p148 ft5">tillsynsverksamhet<SPAN class="ft41">, i den utsträck-</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft6">utbyta</P></TD>
<TD class="tr16 td122"><P class="p3 ft6">information</P></TD>
<TD colspan=3 class="tr16 td43"><P class="p17 ft6">med behöriga</P></TD>
<TD colspan=8 class="tr16 td60"><P class="p148 ft4">ning som följer av Europaparla-</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td72"><P class="p3 ft3">myndigheter inom EES<SPAN class="ft4">. Inspek-</SPAN></P></TD>
<TD colspan=2 class="tr15 td110"><P class="p148 ft4">mentets och</P></TD>
<TD class="tr15 td182"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td142"><P class="p3 ft4">rådets</P></TD>
<TD colspan=3 class="tr15 td104"><P class="p17 ft4">direktiv</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft4">tionen</P></TD>
<TD colspan=2 class="tr16 td84"><P class="p72 ft4">ska dessutom</P></TD>
<TD colspan=2 class="tr16 td125"><P class="p17 ft4">samarbeta</P></TD>
<TD colspan=8 class="tr16 td60"><P class="p148 ft4">2009/110/EG av den 16 september</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td72"><P class="p3 ft4">och utbyta information med <SPAN class="ft6">Euro-</SPAN></P></TD>
<TD colspan=8 class="tr16 td60"><P class="p148 ft41">2009 om rätten att starta och driva</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft3">peiska</P></TD>
<TD colspan=2 class="tr15 td84"><P class="p70 ft5">centralbanken,</P></TD>
<TD colspan=2 class="tr15 td125"><P class="p17 ft3">nationella</P></TD>
<TD colspan=3 class="tr15 td118"><P class="p148 ft4">affärsverksamhet</P></TD>
<TD class="tr15 td105"><P class="p93 ft4">i</P></TD>
<TD colspan=3 class="tr15 td14"><P class="p3 ft4">institut</P></TD>
<TD class="tr15 td162"><P class="p27 ft4">för</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td128"><P class="p3 ft6">centralbanker och</P></TD>
<TD colspan=3 class="tr16 td43"><P class="p17 ft7">andra behöriga</P></TD>
<TD colspan=2 class="tr16 td110"><P class="p148 ft4">elektroniska</P></TD>
<TD colspan=2 class="tr16 td65"><P class="p3 ft4">pengar</P></TD>
<TD colspan=3 class="tr16 td14"><P class="p130 ft4">samt</P></TD>
<TD class="tr16 td162"><P class="p27 ft4">om</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td72"><P class="p3 ft5">myndigheter som utsetts i enlighet</P></TD>
<TD colspan=8 class="tr16 td60"><P class="p148 ft4">tillsyn av sådan verksamhet, om</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr15 td72"><P class="p3 ft3">med unionsrätt som är tillämplig</P></TD>
<TD colspan=8 class="tr15 td60"><P class="p148 ft4">ändring av direktiven 2005/60/EG</P></TD>
</TR>
<TR>
<TD colspan=5 class="tr16 td72"><P class="p3 ft7">på utgivare av elektroniska pengar.</P></TD>
<TD colspan=8 class="tr16 td60"><P class="p148 ft4">och 2006/48/EG och om upphäv-</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td60"><P class="p148 ft41">ande av direktiv 2000/46/EG, i den</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 150px;vertical-align: bottom;" class="tr15"><P class="p148 ft4">ursprungliga lydelsen,</P></TD>
<TD colspan=3 class="tr15 td104"><P class="p17 ft7">samarbeta</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td80"><P class="p148 ft6">och</P></TD>
<TD class="tr16 td14"><P class="p3 ft6">utbyta</P></TD>
<TD colspan=4 class="tr16 td31"><P class="p179 ft6">information</P></TD>
<TD class="tr16 td161"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td162"><P class="p27 ft7">med</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td60"><P class="p148 ft5">behöriga myndigheter inom EES<SPAN class="ft41">,</SPAN></P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr15 td60"><P class="p148 ft5">Europeiska centralbanken, nation-</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td80"><P class="p148 ft6">ella</P></TD>
<TD colspan=3 class="tr16 td205"><P class="p3 ft6">centralbanker<SPAN class="ft4">,</SPAN></P></TD>
<TD colspan=4 class="tr16 td98"><P class="p27 ft4">Europeiska</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td110"><P class="p148 ft4">kommissionen,</P></TD>
<TD colspan=4 class="tr16 td31"><P class="p178 ft41">Europeiska</P></TD>
<TD colspan=2 class="tr16 td75"><P class="p17 ft4">bank-</P></TD>
</TR>
<TR>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td118"><P class="p148 ft4">myndigheten <SPAN class="ft3">och</SPAN></P></TD>
<TD colspan=2 class="tr15 td142"><P style="text-align: center;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">andra</P></TD>
<TD colspan=3 class="tr15 td104"><P class="p17 ft3">behöriga</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td60"><P class="p148 ft5">myndigheter som utsetts i enlighet</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td60"><P class="p148 ft6">med unionsrätt som är tillämplig</P></TD>
</TR>
<TR>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td122"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td27"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=8 class="tr16 td60"><P class="p148 ft7">på utgivare av elektroniska pengar.</P></TD>
</TR>
</TABLE>
<P class="p1106 ft6">En behörig myndighet inom EES får närvara vid en kontroll som utförs av Finansinspektionen.</P>
<P class="p213 ft3">Finansinspektionen får till en behörig myndighet i ett annat land inom EES överlåta uppgiften att genomföra en kontroll på plats av en filial eller ombud till ett institut för elektroniska pengar som står under dess tillsyn.</P>
<P class="p231 ft4">4 a §</P>
<P style="text-align: justify;padding-left: 205px;padding-right: 68px;margin-top: 3px;margin-bottom: 0px;text-indent: 11px;" class="ft4">Finansinspektionen får hän- skjuta frågor som rör samarbete mellan behöriga myndigheter till Europeiska bankmyndigheten för tvistlösning i de fall som framgår av artikel 3.1 i Europaparla- mentets och rådets direktiv 2009/110/EG, i den ursprungliga lydelsen, och artikel 27 i Europa- parlamentets och rådets direktiv (EU) 2015/2366 av den 25 novem- ber 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG,</P>
</DIV>
</DIV>
</DIV>
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<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 393px;overflow: hidden;">
<TABLE cellpadding=0 cellspacing=0 class="t27">
<TR>
<TD class="tr2 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr2 td79"><P class="p1 ft4">2009/110/EG</P></TD>
<TD class="tr2 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td75"><P class="p146 ft4">och</P></TD>
<TD colspan=4 class="tr2 td208"><P class="p17 ft4">2013/36/EU</P></TD>
</TR>
<TR>
<TD class="tr15 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td205"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td180"><P class="p1 ft4">samt</P></TD>
<TD class="tr15 td13"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr15 td53"><P class="p3 ft4">förordning</P></TD>
<TD colspan=2 class="tr15 td90"><P style="text-align: center;padding-left: 5px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">(EU)</P></TD>
<TD class="tr15 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td67"><P class="p17 ft4">nr</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr16 td72"><P class="p1 ft41">1093/2010 och om upphävande av</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td73"><P class="p1 ft4">direktiv</P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td87"><P class="p3 ft4">2007/64/EG,</P></TD>
<TD class="tr16 td69"><P class="p72 ft4">i</P></TD>
<TD class="tr16 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p17 ft41">den</P></TD>
</TR>
<TR>
<TD class="tr20 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=7 class="tr20 td206"><P class="p1 ft4">ursprungliga lydelsen.</P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td158"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td71"><P class="p159 ft3">5 §</P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td85"><P class="p90 ft7">Finansinspektionen</P></TD>
<TD class="tr15 td205"><P class="p28 ft3">ska föra ett</P></TD>
<TD colspan=6 class="tr15 td143"><P style="text-align: center;padding-left: 7px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">Finansinspektionen</P></TD>
<TD class="tr15 td105"><P class="p72 ft3">ska</P></TD>
<TD colspan=2 class="tr15 td70"><P class="p72 ft3">föra</P></TD>
<TD class="tr15 td67"><P class="p17 ft3">ett</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td225"><P class="p3 ft6">register över institut för elek-</P></TD>
<TD colspan=10 class="tr16 td72"><P class="p3 ft7">register över institut för elektroniska</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft6">troniska</P></TD>
<TD class="tr16 td158"><P class="p3 ft6">pengar,</P></TD>
<TD class="tr16 td205"><P class="p28 ft6">registrerade</P></TD>
<TD colspan=10 class="tr16 td72"><P class="p3 ft7">pengar, registrerade utgivare, deras</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td225"><P class="p3 ft3">utgivare, deras ombud och filialer.</P></TD>
<TD colspan=10 class="tr15 td72"><P class="p3 ft3">ombud och filialer. <SPAN class="ft4">Registret ska</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td225"><P class="p3 ft6">Registret ska hållas tillgängligt hos</P></TD>
<TD colspan=3 class="tr16 td153"><P class="p3 ft4">innehålla</P></TD>
<TD colspan=3 class="tr16 td166"><P class="p3 ft4">uppgifter</P></TD>
<TD class="tr16 td105"><P class="p94 ft4">om</P></TD>
<TD colspan=3 class="tr16 td14"><P class="p17 ft41">tillstånd</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td85"><P class="p3 ft6">Finansinspektionen.</P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr16 td72"><P class="p3 ft41">som återkallats enligt 10 eller 11 §</P></TD>
</TR>
<TR>
<TD class="tr15 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr15 td72"><P class="p3 ft4">och uppgifter om de registrerade</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr16 td72"><P class="p3 ft4">utgivare som inte längre uppfyller</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td73"><P class="p3 ft41">villkoren</P></TD>
<TD colspan=2 class="tr16 td126"><P class="p130 ft4">för</P></TD>
<TD colspan=4 class="tr16 td35"><P class="p179 ft41">registrering</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p17 ft41">enligt</P></TD>
</TR>
<TR>
<TD class="tr15 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr15 td72"><P class="p3 ft5"><SPAN class="ft41">2 kap. 3 §. </SPAN>Registret ska hållas till-</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr16 td72"><P class="p3 ft5">gängligt hos Finansinspektionen.</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td143"><P style="text-align: center;padding-left: 7px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">Finansinspektionen</P></TD>
<TD colspan=2 class="tr16 td90"><P class="p291 ft41">ska</P></TD>
<TD colspan=2 class="tr16 td92"><P class="p17 ft4">utan</P></TD>
</TR>
<TR>
<TD class="tr15 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td73"><P class="p3 ft4">dröjsmål</P></TD>
<TD colspan=4 class="tr15 td53"><P class="p90 ft4">underrätta</P></TD>
<TD colspan=4 class="tr15 td208"><P class="p17 ft4">Europeiska</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr16 td72"><P class="p3 ft4">bankmyndigheten om den infor-</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr16 td72"><P class="p3 ft41">mation som förs in i registret enligt</P></TD>
</TR>
<TR>
<TD class="tr15 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr15 td72"><P class="p3 ft41">första stycket och om skälen till att</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td180"><P class="p3 ft4">ett</P></TD>
<TD colspan=3 class="tr16 td123"><P class="p3 ft4">tillstånd</P></TD>
<TD class="tr16 td100"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td150"><P class="p177 ft41">återkallats</P></TD>
<TD class="tr16 td69"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td92"><P class="p17 ft41">enligt</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td73"><P class="p3 ft4">10 eller</P></TD>
<TD colspan=3 class="tr16 td177"><P class="p170 ft41">11 §</P></TD>
<TD class="tr16 td75"><P class="p1 ft4">eller</P></TD>
<TD class="tr16 td105"><P class="p70 ft4">till</P></TD>
<TD colspan=2 class="tr16 td70"><P class="p74 ft4">att</P></TD>
<TD class="tr16 td67"><P class="p17 ft4">en</P></TD>
</TR>
<TR>
<TD class="tr15 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td153"><P class="p3 ft41">registrerad</P></TD>
<TD colspan=3 class="tr15 td166"><P style="text-align: center;padding-left: 5px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft41">utgivare</P></TD>
<TD class="tr15 td105"><P class="p70 ft4">inte</P></TD>
<TD colspan=3 class="tr15 td14"><P class="p17 ft4">längre</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr16 td72"><P class="p3 ft4">uppfyller villkoren för registrering</P></TD>
</TR>
<TR>
<TD class="tr20 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr20 td143"><P class="p3 ft4">enligt 2 kap. 3 §.</P></TD>
<TD class="tr20 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td67"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr29 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td158"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr29 td71"><P class="p306 ft3">13 §</P></TD>
<TD class="tr29 td13"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td67"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td225"><P class="p90 ft6">Om en behörig myndighet i ett</P></TD>
<TD colspan=10 class="tr16 td72"><P class="p17 ft6">Om en behörig myndighet i ett</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td225"><P class="p3 ft3">annat land har underrättat Finans-</P></TD>
<TD colspan=10 class="tr15 td72"><P class="p1 ft5">annat land har underrättat Finans-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td225"><P class="p3 ft6">inspektionen om att ett institut för</P></TD>
<TD colspan=10 class="tr16 td72"><P class="p1 ft5">inspektionen om att ett institut för</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td85"><P class="p3 ft6">elektroniska pengar</P></TD>
<TD class="tr16 td205"><P class="p21 ft6">har överträtt</P></TD>
<TD colspan=4 class="tr16 td79"><P class="p1 ft6">elektroniska</P></TD>
<TD colspan=2 class="tr16 td14"><P class="p135 ft7">pengar</P></TD>
<TD class="tr16 td105"><P class="p172 ft7">har</P></TD>
<TD colspan=3 class="tr16 td14"><P class="p17 ft5">överträtt</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td225"><P class="p3 ft3">föreskrifter i det landet, ska</P></TD>
<TD colspan=10 class="tr15 td72"><P class="p1 ft7">föreskrifter i det landet<SPAN class="ft72">, </SPAN>ska inspek-</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td225"><P class="p3 ft6">inspektionen vidta de åtgärder som</P></TD>
<TD colspan=10 class="tr16 td72"><P class="p1 ft7">tionen vidta de åtgärder som anges</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td225"><P class="p3 ft6">anges i <NOBR>8–11</NOBR> §§ mot institutet, om</P></TD>
<TD colspan=10 class="tr16 td72"><P class="p1 ft6">i <NOBR>8–11</NOBR> §§ mot institutet, om det</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td225"><P class="p3 ft3">det föreligger någon omständighet</P></TD>
<TD colspan=10 class="tr15 td72"><P class="p1 ft7">föreligger någon omständighet som</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td225"><P class="p3 ft6">som anges där. <SPAN class="ft4">Inspektionen </SPAN>ska</P></TD>
<TD colspan=10 class="tr16 td72"><P class="p1 ft41"><SPAN class="ft5">anges där. </SPAN>Finansinspektione<SPAN class="ft5">n ska</SPAN></P></TD>
</TR>
<TR>
<TD colspan=3 class="tr16 td225"><P class="p3 ft6">underrätta den behöriga myndig-</P></TD>
<TD class="tr16 td180"><P class="p1 ft4">utan</P></TD>
<TD colspan=4 class="tr16 td166"><P style="text-align: center;padding-left: 11px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft4">dröjsmål</P></TD>
<TD colspan=3 class="tr16 td165"><P class="p297 ft7">underrätta</P></TD>
<TD class="tr16 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td67"><P class="p17 ft7">den</P></TD>
</TR>
<TR>
<TD colspan=3 class="tr15 td225"><P class="p3 ft3">heten om vilka åtgärder som vid-</P></TD>
<TD colspan=10 class="tr15 td72"><P class="p1 ft5">behöriga myndigheten <SPAN class="ft41">i det andra</SPAN></P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft6">tas.</P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr16 td72"><P class="p1 ft4">landet samt de behöriga myndig-</P></TD>
</TR>
<TR>
<TD class="tr16 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr16 td72"><P class="p1 ft4">heterna i övriga berörda länder</P></TD>
</TR>
<TR>
<TD class="tr15 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=10 class="tr15 td72"><P class="p1 ft3"><SPAN class="ft4">inom EES </SPAN>om vilka åtgärder som</P></TD>
</TR>
<TR>
<TD class="tr28 td103"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td158"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td205"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr28 td73"><P class="p1 ft3">vidtas.</P></TD>
<TD class="tr28 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td151"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td100"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td75"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td69"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td173"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td67"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 163px;overflow: hidden;">
<P class="p992 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 13px;margin-top: 1px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">641</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_642" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:19px;left:367px;width:189px;height:195px;"><SPAN class="ft70">Finansinspektionen får förelägga ett utländskt företag som ger ut elektroniska pengar eller tillhanda- håller betaltjänster i enlighet med 3 kap. 26 </SPAN><SPAN class="ft81">och </SPAN><SPAN class="ft70">28 §§ att göra rättel- se om utgivningen av elektroniska pengar eller tillhandahållandet av betaltjänster i Sverige inte </SPAN><SPAN class="ft81">drivs </SPAN><SPAN class="ft70">enligt gällande bestämmelser om åtgärder mot penningtvätt och finansiering av terrorism eller i enlighet med </SPAN><SPAN class="ft81">Europaparlamentets och rådets </SPAN><SPAN class="ft70">förordning (EU)</SPAN></DIV>
<DIV style="border:none;margin: 0px 0px 0px 49px;padding: 0px;border:none;width: 512px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 113px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p319 ft3">Bilaga 5</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<P style="text-align: left;padding-left: 12px;padding-right: 183px;padding-top: 1px;margin-top: 0px;margin-bottom: 0px;text-indent: 171px;" class="ft3">21 §<SPAN class="ft43">2 </SPAN>Finansinspektionen får förelägga</P>
<P style="text-align: justify;padding-right: 205px;margin-top: 0px;margin-bottom: 0px;" class="ft5">ett utländskt företag som ger ut elektroniska pengar eller tillhanda- håller betaltjänster i enlighet med 3 kap. <NOBR>26<SPAN class="ft41">–</SPAN>28</NOBR> §§ att göra rättelse om utgivningen av elektroniska pengar eller tillhandahållandet av betaltjänster i Sverige inte <SPAN class="ft41">bedrivs </SPAN>enligt gällande bestämmelser om åtgärder mot penningtvätt och finansiering av terrorism eller i enlighet med förordning (EU) 2015/847.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 394px;font: italic 13px 'Times New Roman';">
<TR>
<TD rowspan=2 class="tr45 td102"><P class="p31 ft5">Finansinspektionen får förelägga</P></TD>
<TD colspan=2 class="tr2 td98"><P class="p75 ft3">2015/847.</P></TD>
<TD class="tr2 td120"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td66"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td81"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr16 td102"><P class="p17 ft4">Om ett utländskt företag som i</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft4">ett utländskt företag <SPAN class="ft3">att göra</SPAN></P></TD>
<TD colspan=6 class="tr15 td102"><P class="p75 ft41">Sverige ger ut elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft6">rättelse, om</P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft4">eller tillhandahåller betaltjänster</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td73"><P class="p75 ft4">genom</P></TD>
<TD colspan=2 class="tr16 td23"><P class="p71 ft4">filial</P></TD>
<TD class="tr16 td66"><P class="p3 ft4">eller</P></TD>
<TD colspan=2 class="tr16 td62"><P class="p17 ft41">tillhandahåller</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td87"><P class="p75 ft4">betaltjänster,</P></TD>
<TD colspan=2 class="tr15 td53"><P class="p3 ft4">distribuerar</P></TD>
<TD class="tr15 td81"><P class="p17 ft41">elektro-</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft41">niska pengar eller löser in elektro-</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft4">niska pengar genom ombud enligt</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p75 ft4">3 kap.</P></TD>
<TD colspan=2 class="tr15 td23"><P class="p71 ft4">26 §,</P></TD>
<TD class="tr15 td66"><P class="p71 ft4">inte</P></TD>
<TD class="tr15 td142"><P class="p146 ft4">driver</P></TD>
<TD class="tr15 td81"><P class="p17 ft4">denna</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft4">verksamhet i enlighet med bestäm-</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft4">melserna i denna lag, ska Finans-</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr15 td102"><P class="p75 ft4">inspektionen utan dröjsmål under-</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=6 class="tr16 td102"><P class="p75 ft4">rätta den behöriga myndigheten i</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr16 td98"><P class="p75 ft4">företagets</P></TD>
<TD colspan=4 class="tr16 td168"><P class="p27 ft5"><SPAN class="ft41">hemland. </SPAN>Finansinspek-</P></TD>
</TR>
<TR>
<TD class="tr15 td102"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td73"><P class="p75 ft3">tionen</P></TD>
<TD class="tr15 td67"><P class="p1 ft3">får</P></TD>
<TD colspan=4 class="tr15 td168"><P class="p27 ft3">förelägga <SPAN class="ft4">företaget </SPAN>att</P></TD>
</TR>
<TR>
<TD class="tr16 td102"><P class="p3 ft2"> </P></TD>
<TD colspan=4 class="tr16 td85"><P class="p75 ft6">göra rättelse, om</P></TD>
<TD class="tr16 td142"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td81"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=5 class="tr21 td334"><P class="p31 ft23">1. det är fråga om ett företag som enligt 3 kap. 26 §</P></TD>
<TD class="tr21 td142"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td81"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-right: 5px;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft6"><SPAN class="ft7">a)</SPAN><SPAN class="ft33">ger ut elektroniska pengar eller tillhandahåller betaltjänster genom filial i Sverige, eller</SPAN></P>
<P style="text-align: justify;padding-right: 5px;margin-top: 0px;margin-bottom: 0px;text-indent: 12px;" class="ft3"><SPAN class="ft3">b)</SPAN><SPAN class="ft32">tillhandahåller betaltjänster, distribuerar elektroniska pengar eller löser in elektroniska pengar genom ombud i Sverige, och</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t84">
<TR>
<TD class="tr15 td60"><P class="p21 ft3">2. utgivningen av elektroniska</P></TD>
<TD colspan=3 class="tr15 td72"><P class="p17 ft3">2. utgivningen av elektroniska</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">pengar eller tillhandahållandet av</P></TD>
<TD class="tr16 td20"><P class="p3 ft6">pengar</P></TD>
<TD class="tr16 td17"><P class="p3 ft6">eller tillhandahållandet</P></TD>
<TD class="tr16 td6"><P class="p27 ft6">av</P></TD>
</TR>
<TR>
<TD class="tr15 td60"><P class="p21 ft5">betaltjänster i Sverige inte <SPAN class="ft41">bedrivs</SPAN></P></TD>
<TD colspan=3 class="tr15 td72"><P class="p27 ft3">betaltjänster i Sverige inte <SPAN class="ft4">drivs </SPAN>i</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft6">i enlighet med bestämmelserna i</P></TD>
<TD class="tr16 td20"><P class="p3 ft7">enlighet</P></TD>
<TD class="tr16 td17"><P class="p90 ft7">med bestämmelserna</P></TD>
<TD class="tr16 td6"><P class="p27 ft6">i</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p21 ft5">4 kap. denna lag eller 4 och 5 kap.</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p17 ft5">4 kap. denna lag eller 4 och 5 kap.</P></TD>
</TR>
<TR>
<TD class="tr16 td60"><P class="p510 ft7">lagen (2010:751) om betaltjänster.</P></TD>
<TD colspan=3 class="tr16 td72"><P class="p3 ft5">lagen (2010:751) om betaltjänster.</P></TD>
</TR>
</TABLE>
<P class="p762 ft6">Om ett företag inte följer ett föreläggande enligt första eller andra stycket, ska Finansinspektionen underrätta den behöriga myndigheten i företagets hemland.</P>
<P class="p145 ft124">Om rättelse inte sker, får Finansinspektionen förbjuda företaget att ge ut elektroniska pengar eller tillhandahålla betaltjänster här i landet. Innan förbud meddelas ska inspektionen underrätta den behöriga myndigheten i</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 27px 0px 0px 0px;padding: 0px;border:none;width: 624px;overflow: hidden;">
<P class="p439 ft7"><SPAN class="ft44">2 </SPAN>Senaste lydelse 2017:655.</P>
<P style="text-align: left;padding-left: 36px;margin-top: 0px;margin-bottom: 0px;" class="ft3">642</P>
</DIV>
</DIV>
<DIV id="page_643" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:664px;left:68px;z-index:-1;width:123px;height:1px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377643x1.jpg/" style="width:123px;height:1px;">
</DIV>
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD colspan=2 class="tr22 td329"><P class="p3 ft3">företagets hemland. I brådskande fall får inspektionen meddela förbud</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td215"><P class="p3 ft3">utan föregående underrättelse till</P></TD>
<TD class="tr15 td227"><P class="p42 ft5">myndigheten i företagets hemland.</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 5</P></TD>
</TR>
<TR>
<TD colspan=2 class="tr20 td329"><P class="p3 ft3">Denna ska dock underrättas så snart det kan ske.</P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr29 td329"><P style="text-align: right;padding-right: 198px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">22 §</P></TD>
<TD class="tr29 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td215"><P class="p90 ft6">Om ett utländskt företag som</P></TD>
<TD class="tr16 td227"><P class="p42 ft6">Om ett utländskt företag som</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td215"><P class="p3 ft6">driver verksamhet enligt 3 kap.</P></TD>
<TD class="tr16 td227"><P class="p42 ft6">driver verksamhet enligt 3 kap.</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td215"><P class="p3 ft3"><NOBR>26<SPAN class="ft4">–</SPAN>28</NOBR> §§ har fått sitt verksam-</P></TD>
<TD class="tr15 td227"><P class="p42 ft3">26 <SPAN class="ft4">och </SPAN>28 §§ har fått sitt verksam-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td215"><P class="p3 ft6">hetstillstånd indraget i hemlandet,</P></TD>
<TD class="tr16 td227"><P class="p42 ft6">hetstillstånd indraget i hemlandet,</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td215"><P class="p3 ft5">ska Finansinspektionen genast för-</P></TD>
<TD class="tr16 td227"><P class="p42 ft5">ska Finansinspektionen genast för-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td215"><P class="p3 ft3">bjuda företaget att ge ut elektron-</P></TD>
<TD class="tr15 td227"><P class="p42 ft3">bjuda företaget att ge ut elektron-</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td215"><P class="p3 ft5">iska pengar eller påbörja nya betal-</P></TD>
<TD class="tr16 td227"><P class="p42 ft5">iska pengar eller påbörja nya betal-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td215"><P class="p3 ft3">ningstransaktioner här i landet.</P></TD>
<TD class="tr20 td227"><P class="p216 ft5">ningstransaktioner här i landet.</P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 253px;margin-top: 9px;margin-bottom: 0px;" class="ft3">27 §</P>
<P class="p1070 ft3">Regeringen eller den myndighet som regeringen bestämmer får med- dela föreskrifter om</P>
<P class="p395 ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft32">beräkningen av genomsnittligt utestående skulder enligt 2 kap. 3 § 5,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft51">vad som utgör tillräckliga styr- och kontrollformer vid prövning av en ansökan enligt 2 kap. 6 § första stycket 2 a,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft48">beräkningen av kapitalkrav enligt 3 kap. 2 § första stycket,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft51">hur institut för elektroniska pengar och registrerade utgivare ska hantera medel enligt 3 kap. 6 §,</SPAN></P>
<P class="p12 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft51">hur institut för elektroniska pengar och registrerade utgivare ska hantera medel enligt 3 kap. 7 § andra stycket som tagits emot i utbyte mot utgivna elektroniska pengar och andra medel som tagits emot för genomförandet av betalningstransaktioner och hur stor andel av medlen hos instituten eller utgivarna som omfattas av skyddskraven enligt 3 kap. 7 § tredje och fjärde styckena,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft5">6.</SPAN><SPAN class="ft32">vilka uppgifter som ska ges till Finansinspektionen enligt 3 kap. 8 §,</SPAN></P>
<P class="p395 ft3"><SPAN class="ft5">7.</SPAN><SPAN class="ft48">vilka uppgifter som ska anses relevanta enligt 3 kap. 9 §,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 410px;margin-left: 60px;font: 13px 'Arial';">
<TR>
<TD class="tr20 td201"><P class="p90 ft3">8. vad institut för</P></TD>
<TD class="tr20 td47"><P class="p21 ft7">elektroniska</P></TD>
<TD class="tr20 td50"><P class="p31 ft3">8. vad</P></TD>
<TD class="tr20 td23"><P class="p3 ft5">institut</P></TD>
<TD class="tr20 td177"><P class="p31 ft3">för</P></TD>
<TD colspan=2 class="tr20 td122"><P class="p17 ft7">elektroniska</P></TD>
</TR>
<TR>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 213px;vertical-align: bottom;" class="tr16"><P class="p21 ft7">pengar och registrerade utgivare ska</P></TD>
<TD colspan=5 class="tr16 td102"><P class="p3 ft7">pengar och registrerade utgivare ska</P></TD>
</TR>
<TR>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 213px;vertical-align: bottom;" class="tr16"><P class="p21 ft6">iaktta och vilka krav <SPAN class="ft4">som </SPAN>institutet</P></TD>
<TD colspan=5 class="tr16 td102"><P class="p3 ft6">iaktta och vilka krav institutet eller</P></TD>
</TR>
<TR>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 213px;vertical-align: bottom;" class="tr15"><P class="p21 ft3">eller utgivaren ska uppfylla vid</P></TD>
<TD class="tr15 td50"><P class="p3 ft3">utgivaren</P></TD>
<TD class="tr15 td23"><P class="p191 ft5">ska</P></TD>
<TD colspan=2 class="tr15 td78"><P class="p18 ft3">uppfylla</P></TD>
<TD class="tr15 td142"><P class="p17 ft3">vid</P></TD>
</TR>
<TR>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 213px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">uppdragsavtal enligt 3 kap. 29 §,</P></TD>
<TD colspan=5 class="tr16 td102"><P class="p3 ft6">uppdragsavtal enligt 3 kap. 29 §,</P></TD>
</TR>
<TR>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 213px;vertical-align: bottom;" class="tr16"><P class="p21 ft6">9. vilka upplysningar ett <SPAN class="ft4">institut för</SPAN></P></TD>
<TD class="tr16 td50"><P class="p31 ft6">9. vilka</P></TD>
<TD colspan=2 class="tr16 td57"><P class="p71 ft5">upplysningar</P></TD>
<TD class="tr16 td126"><P class="p70 ft6">ett</P></TD>
<TD class="tr16 td142"><P class="p17 ft41">företag</P></TD>
</TR>
<TR>
<TD class="tr15 td201"><P class="p3 ft4">elektroniska pengar</P></TD>
<TD class="tr15 td47"><P class="p21 ft4">eller en</P></TD>
<TD colspan=2 class="tr15 td175"><P class="p3 ft3">ska lämna till</P></TD>
<TD colspan=3 class="tr15 td88"><P class="p17 ft7">Finansinspektionen</P></TD>
</TR>
<TR>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 213px;vertical-align: bottom;" class="tr16"><P class="p21 ft4">registrerad utgivare <SPAN class="ft6">ska lämna till</SPAN></P></TD>
<TD colspan=5 class="tr16 td102"><P class="p3 ft4"><SPAN class="ft6">enligt 2 § </SPAN>och när upplysningarna</P></TD>
</TR>
<TR>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 213px;vertical-align: bottom;" class="tr21"><P class="p21 ft24">Finansinspektionen <SPAN class="ft84">för dess tillsyns-</SPAN></P></TD>
<TD colspan=2 class="tr21 td175"><P class="p3 ft62">ska lämnas<SPAN class="ft23">, och</SPAN></P></TD>
<TD class="tr21 td177"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td126"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td142"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p451 ft3"><SPAN class="ft4">verksamhet </SPAN>enligt 2 §, och</P>
<P style="text-align: justify;padding-left: 71px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">10.</SPAN><SPAN class="ft32">sådana avgifter som avses i 7 §.</SPAN></P>
<P style="text-align: justify;padding-left: 79px;margin-top: 28px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft48">Denna lag träder i kraft den 1 maj 2018.</SPAN></P>
<P class="p57 ft5"><SPAN class="ft5">2.</SPAN><SPAN class="ft55">En juridisk person som vid ikraftträdandet av denna lag har tillstånd att driva verksamhet som institut för elektroniska pengar får fortsätta verksamheten till och med den 1 september 2018. För att fortsätta verksamheten efter det datumet krävs ett nytt tillstånd. Om Finansinspek- tionen bedömer att förutsättningarna för tillstånd är uppfyllda ska Finans-</SPAN></P>
<P class="p717 ft3">643</P>
</DIV>
<DIV id="page_644" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">644</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<P class="p53 ft3">inspektionen meddela tillstånd oavsett om någon ansökan om det gjorts eller inte. Finansinspektionen ska informera den berörda personen innan tillstånd meddelas.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_645" style="position:relative; overflow: hidden;margin: 49px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<DIV style="border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<P style="text-align: left;padding-right: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft100">Förslag till lag om ändring i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism</P>
<P style="text-align: left;margin-top: 5px;margin-bottom: 0px;text-indent: 11px;" class="ft59">Härigenom föreskrivs att 1 kap. 2 § lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism ska ha följande lydelse.</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 306px;margin-top: 11px;font: italic 13px 'Times New Roman';">
<TR>
<TD class="tr24 td60"><P class="p3 ft4">Nuvarande lydelse</P></TD>
<TD class="tr24 td167"><P class="p3 ft41">Föreslagen lydelse</P></TD>
</TR>
</TABLE>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 12px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 5</P>
</DIV>
</DIV>
<DIV style="border:none;margin: 11px 0px 0px 0px;padding: 0px;border:none;width: 556px;overflow: hidden;">
<P class="p409 ft42">1 kap.</P>
<P class="p454 ft3">2 §</P>
<P class="p103 ft3">Denna lag gäller för fysiska och juridiska personer som driver</P>
<P class="p408 ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft51">bank- eller finansieringsrörelse enligt lagen (2004:297) om bank- och finansieringsrörelse,</SPAN></P>
<P class="p79 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft48">livförsäkringsrörelse,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft51">värdepappersrörelse enligt 2 kap. 1 § lagen (2007:528) om värde- pappersmarknaden,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">4.</SPAN><SPAN class="ft51">verksamhet som kräver ansökan hos Finansinspektionen enligt lagen (1996:1006) om valutaväxling och annan finansiell verksamhet eller lagen (2004:299) om inlåningsverksamhet,</SPAN></P>
<P class="p408 ft3"><SPAN class="ft5">5.</SPAN><SPAN class="ft48">försäkringsförmedling enligt lagen (2005:405) om försäkrings- förmedling, i fråga om sådan verksamhet rörande livförsäkring, bedriven av andra än anknutna försäkringsförmedlare,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">6.</SPAN><SPAN class="ft51">verksamhet för utgivning av elektroniska pengar enligt lagen (2011:755) om elektroniska pengar,</SPAN></P>
<P class="p79 ft3"><SPAN class="ft5">7.</SPAN><SPAN class="ft48">fondverksamhet enligt lagen (2004:46) om värdepappersfonder,</SPAN></P>
<P class="p408 ft6"><SPAN class="ft5">8.</SPAN><SPAN class="ft51">verksamhet med att som betalningsinstitut tillhandahålla betal- tjänster enligt lagen (2010:751) om betaltjänster,</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr28 td225"><P class="p90 ft3">9. verksamhet med att tillhanda-</P></TD>
<TD class="tr28 td332"><P class="p661 ft3">9. verksamhet med att tillhanda-</P></TD>
<TD class="tr28 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td225"><P class="p3 ft6">hålla betaltjänster enligt lagen om</P></TD>
<TD class="tr16 td332"><P class="p661 ft5">hålla betaltjänster enligt lagen om</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td225"><P class="p3 ft6">betaltjänster utan att vara betal-</P></TD>
<TD class="tr16 td332"><P class="p661 ft6">betaltjänster utan att vara betal-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td225"><P class="p3 ft3">ningsinstitut,</P></TD>
<TD class="tr15 td332"><P class="p661 ft4"><SPAN class="ft3">ningsinstitut, </SPAN>med undantag för</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td225"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td332"><P class="p661 ft4">verksamhet som avser kontoinfor-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td225"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td332"><P class="p431 ft4">mationstjänster,</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td298"><P class="p661 ft3">10. verksamhet som förvaltare av alternativa investeringsfonder enligt</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td298"><P class="p3 ft6">lagen (2013:561) om förvaltare av alternativa investeringsfonder,</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td298"><P class="p661 ft6">11. verksamhet med konsumentkrediter enligt lagen (2014:275) om</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td298"><P class="p3 ft3">viss verksamhet med konsumentkrediter,</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td298"><P class="p661 ft5">12. verksamhet med bostadskrediter enligt lagen (2016:1024) om verk-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td225"><P class="p3 ft6">samhet med bostadskrediter,</P></TD>
<TD class="tr16 td332"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td298"><P class="p661 ft3">13. verksamhet som fastighetsmäklare med fullständig registrering</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td298"><P class="p3 ft6">enligt fastighetsmäklarlagen (2011:666),</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td298"><P class="p661 ft6">14. verksamhet som anordnare av kasinospel enligt kasinolagen</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr15 td225"><P class="p3 ft3">(1999:355),</P></TD>
<TD class="tr15 td332"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td298"><P class="p661 ft6">15. verksamhet som anordnare av speltjänster som bedrivs med till-</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td298"><P class="p661 ft5">stånd eller registrering enligt lotterilagen (1994:1000), dock inte till den</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td298"><P class="p661 ft7">del verksamheten avser anordnande av spel på varuspelsautomater enligt</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td225"><P class="p3 ft6">25 § samma lag,</P></TD>
<TD class="tr16 td332"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr16 td298"><P class="p661 ft6">16. yrkesmässig handel med varor, om det kan antas att det i</P></TD>
<TD class="tr16 td78"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=2 class="tr15 td298"><P class="p661 ft5">verksamheten eller en del av verksamheten genomförs eller kommer att</P></TD>
<TD class="tr15 td78"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td225"><P class="p3 ft3">genomföras transaktioner, enstaka</P></TD>
<TD class="tr20 td332"><P class="p661 ft3">eller sådana som kan antas ha</P></TD>
<TD rowspan=2 class="tr29 td78"><P class="p17 ft3">645</P></TD>
</TR>
<TR>
<TD class="tr48 td225"><P class="p3 ft131"> </P></TD>
<TD class="tr48 td332"><P class="p3 ft131"> </P></TD>
</TR>
</TABLE>
</DIV>
</DIV>
<DIV id="page_646" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV style="position:absolute;top:326px;left:162px;z-index:-1;width:124px;height:1px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377646x1.jpg/" style="width:124px;height:1px;">
</DIV>
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 5</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">646</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: left;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft3">samband, som innebär att utbetalt eller mottaget belopp i kontanter uppgår till motsvarande 5 000 euro eller mer,</P>
<P class="p461 ft3"><SPAN class="ft7">17.</SPAN><SPAN class="ft48">verksamhet enligt pantbankslagen (1995:1000),</SPAN></P>
<P class="p462 ft6"><SPAN class="ft7">18.</SPAN><SPAN class="ft33">verksamhet som auktoriserad eller godkänd revisor eller registrerat revisionsbolag,</SPAN></P>
<P class="p462 ft3"><SPAN class="ft7">19.</SPAN><SPAN class="ft32">yrkesmässig verksamhet som avser bokföringstjänster eller revisionstjänster som inte omfattas av 18,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft7">20.</SPAN><SPAN class="ft33">yrkesmässig rådgivning avseende skatter och avgifter (skatte- rådgivare),</SPAN></P>
<P class="p462 ft6"><SPAN class="ft7">21.</SPAN><SPAN class="ft33">yrkesmässig verksamhet som advokat eller biträdande jurist på advokatbyrå, till den del verksamheten avser tjänster som anges i 4 § första stycket,</SPAN></P>
<P class="p462 ft6"><SPAN class="ft7">22.</SPAN><SPAN class="ft33">yrkesmässig verksamhet som annan oberoende jurist än som avses i 21, till den del verksamheten avser tjänster som anges i 4 § första stycket, eller</SPAN></P>
<P class="p462 ft3"><SPAN class="ft7">23.</SPAN><SPAN class="ft32">yrkesmässig verksamhet till den del verksamheten avser tjänster som anges i 4 § andra stycket och verksamhetsutövaren inte är en sådan person som avses i </SPAN><NOBR>18–22.</NOBR></P>
<P class="p463 ft59">Vissa speltjänster får undantas från tillämpning av lagen eller bestäm- melser i den enligt föreskrifter som meddelas med stöd av 8 kap. 1 § 1.</P>
<P style="text-align: left;padding-left: 12px;margin-top: 28px;margin-bottom: 0px;" class="ft3">Denna lag träder i kraft den 1 maj 2018.</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_647" style="position:relative; overflow: hidden;margin: 49px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P class="p15 ft1">Lagrådets yttrande</P>
<P class="p335 ft3">Utdrag ur protokoll vid sammanträde <NOBR>2017-12-19</NOBR></P>
<P style="text-align: left;padding-right: 13px;margin-top: 14px;margin-bottom: 0px;" class="ft76"><SPAN class="ft135">Närvarande: </SPAN>F.d. justitierådet Karin Almgren samt justitieråden Johnny Herre och Dag Mattsson.</P>
<P class="p317 ft42">Nya regler om betaltjänster</P>
<P style="text-align: left;padding-right: 12px;margin-top: 15px;margin-bottom: 0px;" class="ft59">Enligt en lagrådsremiss den 9 november 2017 har regeringen (Finans- departementet) beslutat inhämta Lagrådets yttrande över förslag till</P>
<P style="text-align: justify;margin-top: 10px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">1.</SPAN><SPAN class="ft119">lag om ändring i lagen (2010:751) om betaltjänster,</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft119">lag om ändring i lagen (1992:160) om utländska filialer m.m.,</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft119">lag om ändring i bokföringslagen (1999:1078),</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft119">lag om ändring i lagen (2006:595) om europakooperativ,</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">5.</SPAN><SPAN class="ft120">lag om ändring i lagen (2011:755) om elektroniska pengar,</SPAN></P>
<P class="p515 ft3"><SPAN class="ft5">6.</SPAN><SPAN class="ft119">lag om ändring i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism.</SPAN></P>
<P style="text-align: justify;padding-right: 13px;margin-top: 14px;margin-bottom: 0px;" class="ft3">Förslagen har inför Lagrådet föredragits av kansliråden Rebecca Appelgren och Mattias Laine samt rättssakkunniga Nils Friberg och Johan Dahlman.</P>
<P class="p260 ft3">Förslagen föranleder följande yttrande av <SPAN style="font: 13px 'Arial';text-decoration: underline;line-height: 16px;">Lagrådet</SPAN>:</P>
<P style="font: 13px 'Arial';text-decoration: underline;line-height: 16px;" class="p279">Förslaget till lag om ändring i lagen om betaltjänster</P>
<P class="p316 ft42">Inledning</P>
<P class="p744 ft64">Med de föreliggande lagförslagen genomförs i svensk rätt Europaparla- mentets och rådets direktiv (EU) 2015/2366 av den 25 november 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG. Lagråds- remissen innehåller framför allt ett förslag till ändringar i lagen om betaltjänster och motsvarande ändringar i lagen om elektroniska pengar.</P>
<P style="text-align: justify;padding-right: 12px;margin-top: 13px;margin-bottom: 0px;text-indent: 11px;" class="ft64">När den nuvarande lagen granskades anförde Lagrådet att de regler som föreslogs gick mycket långt i detaljrikedom, vilket medförde att lagen inte blev helt lättillgänglig och bitvis inte heller helt lättläst. Eftersom detta i allt väsentligt var en följd av anpassningen till de i sin tur mycket detaljerade bestämmelserna i det bakomliggande betaltjänst- direktivet, som var avsedda att åstadkomma en fullharmonisering av det aktuella området, fick lagförslagen med vissa påpekanden godtas. Det nya direktivet har tillfört ytterligare ett betydande antal bestämmelser och ökat komplexiteten i regleringen. Till det kommer att de regler som vid genomförandet av det första direktivet placerades i en egen lag, lagen (2010:738) om obehöriga transaktioner med betalningsinstrument, nu i stället enligt förslaget ska föras in som en del av 5 kap. betaltjänstlagen, något som ytterligare bidrar till lagens komplexitet.</P>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">647</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">648</P>
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<P class="p213 ft6">Genomförandet försvåras i det aktuella fallet också av att de tekniska standarder och de krav som ska ställas upp för att säkerheten i de kommersiella lösningar som lagen syftar till ska kunna åstadkommas inte har existerat under genomförandearbetet. Avsikten är att dessa standarder och lösningar ska införas i form av <NOBR>EU-förordningar</NOBR> och alltså gälla direkt i medlemsstaterna.</P>
<P class="p630 ft5">Eftersom det huvudsakliga skälet till att de föreslagna reglerna i delar är svårtillgängliga och inte sällan svårlästa kan härledas till det bakomliggande direktivet, får lagförslagen i stort godtas (se dock beträffande reglerna om otillbörliga transaktioner i det följande). En mera allmän synpunkt är att regelsystemet hade vunnit i överskådlighet om lagen hade koncentrerats till den grundläggande reglering som måste finnas i lag och att övriga bestämmelser hade tagits in i förordning och myndighetsföreskrifter. Det är dock samtidigt naturligt att, nu när det andra direktivet genomförs, man inte gör några större lagtekniska omarbetningar utan utgår från den gällande strukturen. Det kan också ifrågasättas om det verkligen är nödvändigt med alla definitioner av olika begrepp i lagen; en del av dem framstår som ganska självklara. Att definiera ett begrepp i lagen medför inte sällan att man på förhand måste ta ställning till nya gränsdragningsfrågor som kanske lättare hade kunnat hanteras i rättstillämpningen. Lagrådet har dock förståelse för att reglerna är av sådan natur att det redan av lagen så exakt som möjligt bör framgå vad som gäller. På det hela taget får definitionerna, som ju normalt är hämtade direkt från direktivet, anses godtagbara. I något avseende ställer de dock till problem, och Lagrådet återkommer till detta.</P>
<P style="text-align: justify;padding-right: 68px;margin-top: 8px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Under lagrådsföredragningen har framkommit behov av företrädesvis redaktionella förändringar som inte närmare kommenteras i detta yttrande.</P>
<P class="p801 ft42">Allmänt om obehöriga transaktioner</P>
<P class="p757 ft3">Reglerna i det första och det andra betaltjänstdirektivet om ansvar för obehöriga transaktioner stämmer i stora delar överens, med vissa förändringar som i huvudsak ska stärka konsumentskyddet.</P>
<P class="p463 ft6">Vid genomförandet av det första direktivet gjordes bedömningen att reglerna om obehöriga transaktioner borde brytas ut och genomföras i en särskild lag (se prop. 2009/10:122 s. 12 f.). Det framhölls då att bestämmelser om betalningsansvar i sådana situationer är av stor praktisk betydelse och att det finns ett värde i att de är lättillgängliga, särskilt eftersom de ska skydda konsumenterna. Det konstaterades att reglerna inte heller hänger sakligt samman med direktivet i övrigt. Bestämmelserna togs därför in i den särskilda lagen från år 2010 om obehöriga transaktioner med betalningsinstrument.</P>
<P class="p289 ft3">I lagrådsremissen görs nu bedömningen att reglerna bör föras över till betaltjänstlagen och att 2010 års lag alltså ska upphävas. Det hänvisas bl.a. till att det andra betaltjänstdirektivet också reglerar vilket ansvar en leverantör av en betalningsinitieringstjänst har för en obehörig transaktion i förhållande till den kontoförvaltande betaltjänstleverantören och att dessa regler inte passar i 2010 års lag, som reglerar endast kontohavarens ansvar.</P>
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<P class="p604 ft3">Lagrådet konstaterar att de civilrättsliga bestämmelserna om ansvar för obehöriga transaktioner därmed kommer att hamna mitt i en synnerligen omfattande och tekniskt komplicerad lagstiftning, som väsentligen innehåller regler av näringsrättsligt slag.</P>
<P class="p145 ft5">Svårigheten att på ett tydligt och enkelt sätt inarbeta reglerna i betal- tjänstlagen visar sig genom att de materiella reglerna om ansvar för obehöriga transaktioner ska finnas som 5 kap. <NOBR>55–61</NOBR> §§ men då tillsammans med ett stort antal bestämmelser som i grunden rör andra saker, nämligen huvudsakligen hur olika betalningstransaktioner ska genomföras. Den centrala regleringen av vad som utgör en obehörig transaktion finns inte heller i 5 kap. utan tillämparen måste gå till den långa listan på definitioner i 1 kap. 4 § för att få reda på vad som gäller. Och den avgörande frågan om vilka skyldigheter som åligger betaltjänstanvändaren regleras inte i anslutning till bestämmelserna om ansvar för obehöriga transaktioner utan svaret finns i stället för sig självt i 5 kap. 6 §, trots att den bestämmelsen bara synes ha betydelse för bedömningen av om en användare enligt 5 kap. 57 § ska svara för obehöriga transaktioner på grund av grov oaktsamhet.</P>
<P class="p632 ft40">Vid ett inarbetande av reglerna om obehöriga transaktioner i betal- tjänstlagen väcks också en del nya frågor, delvis beroende just på att den civilrättsliga regleringen knyts till lagens näringsrättsliga reglering.</P>
<P class="p145 ft6">En väsentlig fråga rör tillämpningsområdet. 2010 års lag är generellt tillämplig och gäller utan begränsningar för en kontohavares ansvar för belopp som belastar ett konto på grund av en obehörig transaktion (se 1 § i den lagen). Lagen kan alltså vara tillämplig även på vissa förhållanden som inte omfattas av betaltjänstdirektiven. Enligt lagrådsremissens förslag ska reglerna däremot i fortsättningen vara tillämpliga bara i fråga om betaltjänster och betaltjänstleverantörer, så som dessa begrepp är definierade i lagen.</P>
<P class="p145 ft70">Till följd av definitionerna kommer konsumentskyddet enligt de före- slagna reglerna – till skillnad från 2010 års lag – inte att gälla om någon, t.ex. en livsmedelskedja eller en sportförening, ger ut kontokort eller tillhandahåller personliga rutiner för inköp direkt i verksamheten, alltså utan användning av någon betaltjänstleverantör. Inte heller omfattar de nya reglerna den situationen att transaktionerna sker genom en betaltjänst som tillhandahålls av någon annan än den som är definierad som betaltjänstleverantör i lagen, t.ex. ett vanligt inkassoföretag.</P>
<P class="p711 ft6">Om betaltjänstlagen inte är tillämplig, är utgångspunkten att användaren inte har något ansvar för obehöriga transaktioner men att parterna i princip fritt kan avtala om användarens ansvar med de begränsningar som kan följa av möjligheten att ingripa mot oskäliga avtalsvillkor, framför allt med stöd av 36 § avtalslagen.</P>
<P class="p632 ft5">I dessa delar kan förslaget komma att innebära en försämring av det lagstadgade konsumentskyddet. Frågan är inte uppmärksammad i remissen. I den fortsatta beredningen bör redovisas vilka sakliga skäl som motiverar förändringen. Även om de flesta fall i dag lär falla under lagen, framstår det enligt Lagrådets uppfattning som tveksamt att upphäva det generella konsumentskydd för obehöriga transaktioner som infördes för inte så länge sedan.</P>
<P class="p686 ft124">I sammanhanget kan noteras att enligt förslaget ska betaltjänstlagens bestämmelser om obehöriga transaktioner inte gälla för vissa uppräknade</P>
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<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p1112 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">649</P>
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<DIV id="page_650" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 561px;">
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<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">650</P>
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<P class="p302 ft6">betalningstransaktioner. Av praktisk betydelse är det undantag som gäller för mindre betalningar för digitalt innehåll (1 kap. 7 § första stycket 8). Om en sådan betalningstransaktion sker med t.ex. en personlig kod, torde det i dag föreligga ett skydd mot obehöriga transaktioner enligt 2010 års lag. Med remissens förslag riskerar konsumentskyddet alltså att begränsas.</P>
<P class="p730 ft5">2010 års lag innehåller ingen reglering av lagens tillämplighet i internationella situationer. I vad mån lagen ska användas vid en internationell lagkonflikt får avgöras utifrån i första hand Rom I- förordningen om tillämplig lag för avtalsförpliktelser. I betaltjänstlagen finns regler om den lagens internationella tillämplighet. Reglerna, som föreslås ändrade i remissen, kommer enligt förslaget att gälla också för lagens bestämmelser om obehöriga transaktioner. Till skillnad från Rom <NOBR>I-förordningen</NOBR> synes det avgörande vara var transaktionen tillhandahålls och utförs, inte var kontohavaren har hemvist (jfr konsumentregeln i artikel 6 i Rom <NOBR>I-förordningen).</NOBR> Lagens regler för den internationella tillämpligheten är dock motiverade av näringsrättsliga skäl och det är tveksamt om de är lämpade i fråga om avtalsförpliktelser.</P>
<P class="p730 ft5">I den fortsatta beredningen bör utvecklas vilken betydelse dessa regler i betaltjänstlagen är tänkta att få i fråga om ansvar för obehöriga transaktioner i internationella situationer och hur de förhåller sig till regleringen i Rom <NOBR>I-förordningen.</NOBR> Som exempel kan nämnas det fallet att någon med hemvist i Sverige har ett amerikanskt kreditkort och det sker obehöriga transaktioner med kortet, här och utomlands.</P>
<P class="p145 ft6">Om bestämmelserna arbetas in i 5 kap. betaltjänstlagen, blir reglerna i 5 kap. 32 § (som föreslås få beteckningen 5 kap. 64 §) tillämpliga på betaltjänstanvändarens och betaltjänstleverantörens ansvar för obehöriga transaktioner. Enligt den paragrafen inträder inte något ansvar i fall av osedvanliga eller oförutsägbara omständigheter som den som åberopar omständigheterna inte har något inflytande över och vars konsekvenser hade varit omöjliga att avvärja trots alla ansträngningar. Ansvar inträder inte heller då en betaltjänstleverantör handlar i enlighet med svensk lag eller unionsrätt. Några liknande ansvarsfrihetsgrunder finns inte i 2010 års lag.</P>
<P class="p631 ft6">Lagrådet har inte någon invändning mot att en konsument kan åberopa förhållanden av detta slag för att undgå ansvar för en obehörig transaktion, vilket kan få betydelse för den i princip strikta regleringen med en självrisk. Det är däremot inte givet att betaltjänstleverantören bör kunna hänvisa till sådana omständigheter för att – gentemot en konsument – befrias från sitt ansvar enligt lagen att stå för en obehörig transaktion. Frågan bör övervägas närmare.</P>
<P class="p605 ft5">Mot bakgrund av den stora praktiska betydelsen är det angeläget att regler om ansvar för obehöriga transaktioner är så lättillgängliga och överskådliga som möjligt. I och för sig kan det finnas vissa fördelar om regler om detta samlas i betaltjänstlagen, om man ser lagstiftningen ur betaltjänstleverantörens synvinkel. Men allmänt sett blir lagstiftningen inte tillräckligt tydlig och greppbar. Detta är en betydande nackdel. Som har framhållits i tidigare lagstiftningssammanhang rör det sig om ett praktiskt betydelsefullt område där konsumenthänsyn bör väga tungt. Det går inte att bortse från risken för att reglerna, om de finns inlagda i den omfattande betaltjänstlagen, inte får tillräckligt genomslag.</P>
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<P class="p611 ft64">Enligt Lagrådets mening skulle det vara mera lämpligt om 2010 års lag behålls och erforderliga ändringar görs i den lagen. De lagändringar som är motiverade av det andra betaltjänstdirektivet kan mycket väl göras i lagen. I varje fall bör det prövas om reglerna om obehöriga transaktioner</P>
<P class="p758 ft6">– som Konsumentverket förordar – kan placeras i ett eget kapitel i betaltjänstlagen. Frågan om placeringen av reglerna bör alltså bli föremål för ytterligare överväganden.</P>
<P class="p611 ft70">Enligt Lagrådets mening kan det finnas goda skäl för att ge konsumenterna ett motsvarande skydd som i reglerna i betaltjänstlagen, åtminstone genom en analogisk tillämpning på de avtal som faller utanför den uttryckliga regleringen eller med stöd av 36 § avtalslagen. Också den frågan bör övervägas i den fortsatta beredningen.</P>
<P class="p884 ft3">Lagrådet återkommer till den närmare utformningen av bestämmel- serna om obehöriga transaktioner.</P>
<P class="p801 ft42">Allmänt om lagens tvingande karaktär</P>
<P class="p744 ft5">I nuvarande 4 kap. 20 § och i den föreslagna 5 kap. 66 § ges bestämmel- ser om den tvingande karaktären hos regleringen i vissa fall. Bestämmel- serna i 4 kap. 20 § genomför artikel 30 i första betaltjänstdirektivet, där det anges att parterna får avtala om att bestämmelserna i direktivets avdelning om villkor och informationskrav helt eller delvis inte ska tillämpas när betaltjänstanvändaren inte är en konsument. Den föreslagna 5 kap. 66 § avser att genomföra artikel 61.1 i andra betaltjänstdirektivet. I den artikeln anges att om betaltjänstanvändaren inte är konsument får betaltjänstanvändaren och betaltjänstleverantören avtala om att vissa artiklar helt eller delvis inte ska vara tillämpliga. Det anges också att parterna får avtala om andra tidsfrister än de som fastställs i en viss bestämmelse.</P>
<P class="p519 ft5">Utgångspunkten för näringsrättslig lagstiftning av det slag som huvudsakligen regleras i betaltjänstdirektiven och betaltjänstlagen är att aktörerna inte får avvika från regleringen. Den utgångspunkten behöver normalt inte uttryckligen anges i lagen. Detta synsätt överensstämmer med det som har legat till grund för regleringen i både första och andra betaltjänstdirektivet, som i nämnda bestämmelser inte anger någon huvudregel om bundenhet utan bara att parterna får avtala om att vissa bestämmelser inte ska tillämpas dem emellan.</P>
<P class="p655 ft5">En annan sak är att det i vissa fall är motiverat att reglera verkningarna av att parterna avtalar om något som inte har stöd i lagen. Beträffande regler som har civilrättslig och inte bara marknadsrättslig verkan kan det t.ex. finnas anledning att uttryckligen ange att avtalsvillkor som är till nackdel för konsumenten är utan verkan mot denne om inte annat anges i lagen.</P>
<P class="p784 ft5">I 5 kap. i förslaget ges bestämmelser av såväl marknadsrättslig som civilrättslig karaktär. Av artikel 61.1 i det andra betaltjänstdirektivet framgår, som nämns i det föregående, att parterna ska ha rätt att avtala om annat än det som anges i vissa andra direktivbestämmelser. Det måste, som Lagrådet uttalade redan i 2010 års lagstiftningsärende, framgå uttryckligen av lagen att denna möjlighet finns för parterna.</P>
<P class="p519 ft124">I linje med förslaget till 5 kap. 66 § andra stycket bör i en paragraf anges att betaltjänstleverantören får komma överens med en betaltjänst-</P>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">651</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">652</P>
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<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 399px;overflow: hidden;">
<P class="p53 ft5">användare som inte är konsument om avvikelser från 1 § första stycket, <NOBR>28–30</NOBR> §§, <NOBR>35–37</NOBR> §§, 47 §, 48 § <NOBR>första–tredje</NOBR> styckena, <NOBR>49–53</NOBR> §§, 54 § första stycket, <NOBR>56–59</NOBR> §§ och 60 § första stycket. På samma sätt bör det i 4 kap. anges att en betaltjänstleverantör får komma överens med en betaltjänstanvändare som inte är konsument om avvikelser från bestäm- melserna (jfr det som nu anges i 4 kap. 20 § andra stycket).</P>
<P class="p765 ft6">Den nuvarande 4 kap. 20 § och den föreslagna 5 kap. 66 § har placerats i slutet av eller sist i respektive kapitel. Det är enligt Lagrådets mening mindre lämpligt att regler som rör parternas handlingsfrihet i ett i övrigt tvingande regelverk kommer först i slutet av kapitlen. Detta bör övervägas under den fortsatta beredningen.</P>
<P class="p632 ft40">I 4 kap. 20 § första stycket anges att bestämmelserna i kapitlet inte får frångås till nackdel för en betaltjänstanvändare. I förslaget till 5 kap. 66 § första stycket ges en bestämmelse med motsvarande innehåll.</P>
<P class="p145 ft5">En reglering med samma utformning finns i några få lagar i svensk rätt. Exempelvis anges i 3 § lagen (2003:862) om finansiell rådgivning till konsumenter att bestämmelserna i denna lag inte får frångås till nackdel för en konsument. I lagförarbetena sägs att det av paragrafen framgår att lagens bestämmelser är tvingande till konsumentens förmån på så sätt att näringsidkaren inte till konsumentens nackdel får frångå lagens bestämmelser (se prop. 2002/03:133 s. 20 och 49 f.). Det anges också att om en överenskommelse om finansiell rådgivning skulle strida mot lagens bestämmelser på en eller flera punkter och om dessa avvikelser är till nackdel för konsumenten, gäller i stället lagen. En liknande bestämmelse finns också i 2 § lagen (1985:982) om näringsidkares rätt att sälja saker som inte har hämtats. I förarbetena konstateras att det förhållandet att bestämmelserna i lagen är tvingande till konsumentens förmån innebär att parterna inte i förväg med giltig verkan kan avtala om sådana avvikelser från bestämmelserna som är till nackdel för konsumenten (se prop. 1984/85:210 s. 34 f.). Däremot finns det inget hinder mot avtal som är förmånligare för konsumenten än som följer av lagens regler.</P>
<P class="p730 ft5">I 1984 och 1995 års fastighetsmäklarlagar fanns bestämmelser med en motsvarande ordalydelse (se 3 § i 1984 års lag och 4 § i 1995 års lag). Avsikten torde också här ha varit att lagens tvingande karaktär skulle innebära att om parterna i förväg avtalar om villkor till nackdel för konsumenten, så skulle dessa inte kunna göras gällande gentemot denne. Detta var dock inget som framgick av lagtexten. Genom fastighets- mäklarlagen (2011:666) har regleringen utformats på ett annat sätt. Numera anges i 4 § att avtalsvillkor som i jämförelse med bestämmel- serna i denna lag är till nackdel för en konsument är utan verkan mot honom eller henne, om inte annat anges i lagen. Enligt författningskom- mentaren till den bestämmelsen motsvarar paragrafen i sak 4 § i 1995 års fastighetsmäklarlag, även om den har utformats något annorlunda än den regleringen (se prop. 2010/11:15 s. 47).</P>
<P class="p858 ft40">Formuleringen i 2011 års fastighetsmäklarlag är den som används närmast regelmässigt i konsumentskyddslagstiftningen (se exempelvis 3 § första stycket konsumentköplagen, 4 § lagen om distansavtal och avtal utanför affärslokaler, 3 § konsumenttjänstlagen och 5 § konsument- kreditlagen, jfr även 1 kap. 6 § försäkringsavtalslagen och 4 kap 19 d §</P>
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<P class="p758 ft3">jordabalken). Den används också i 2010 års lag om obehöriga transaktioner med betalningsinstrument.</P>
<P class="p611 ft5">Enligt Lagrådets mening är det lämpligt att det av lagtexten framgår vilka konsekvenserna blir av avtalsvillkor som avviker från lagens regler till nackdel för en betaltjänstanvändare som är en konsument. Den nuvarande utformningen av 4 kap. 20 § första stycket och den föreslagna 5 kap. 66 § första stycket medför vidare att det riskerar att bli mindre klart att inte heller reglerna t.ex. i 4 a kap. i lagen, som saknar en reglering med motsvarande innehåll, är tvingande. Den nuvarande ordningen riskerar också att medföra andra tillämpningsproblem, exempelvis att det uppkommer en osäkerhet om också definitionerna i 1 kap. i lagen ska anses som tvingande eller inte.</P>
<P class="p746 ft3">Lagrådet föreslår därför att 4 kap. 20 § första stycket och den föreslagna 5 kap. 66 § första stycket slopas och att det i stället i första kapitlet införs en bestämmelse om att avtalsvillkor som är till nackdel för en konsument inte har någon verkan mot konsumenten (jfr prop. 2009/10:220 s. 431, promemorians förslag till 1 kap. 7 §). Förslaget innebär förvisso att det inte framgår vilka effekter avtalsvillkor som är till nackdel för andra betaltjänstanvändare har. Denna oklarhet skiljer dock inte regleringen i betaltjänstlagen från annan liknande reglering på det aktuella området.</P>
<P class="p263 ft3">Lagrådet föreslår att paragrafen ges följande lydelse.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 8px;margin-bottom: 0px;" class="ft3">Avtalsvillkor som i jämförelse med bestämmelserna i denna lag är till nackdel för en konsument är utan verkan mot denne, om inte annat anges i lagen.</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 11px;margin-bottom: 0px;" class="ft3">Det kan tilläggas att det i skäl 11 i direktiv 2014/92/EU, som genom- fördes bl.a. genom att reglerna i 4 a kap. betaltjänstlagen infördes, anges att direktivet inte bör hindra medlemsstaterna från att behålla eller anta strängare bestämmelser för att skydda konsumenterna, förutsatt att sådana bestämmelser står i överensstämmelse med deras förpliktelser enligt unionsrätten och detta direktiv. Den föreslagna bestämmelsen i första kapitlet innebär att det görs klart att konsumenten också beträffande det som regleras i 4 a kap. skyddas genom tvingande regler och att effekten av avtalsvillkor som är till nackdel för konsumenten är att dessa är utan verkan mot denne om inte annat följer av reglerna i kapitlet.</P>
<P class="p701 ft3">1 kap. 1 a §</P>
<P style="text-align: justify;padding-right: 12px;margin-top: 15px;margin-bottom: 0px;" class="ft124">Paragrafen innehåller vissa undantag från lagens bestämmelser bl.a. vad gäller betalningstransaktioner inom EES i ett tredjelands valuta. Det kan ifrågasättas om inte en lämpligare placering av paragrafen är i slutet av kapitlet där övriga bestämmelser om undantag från lagens regler finns.</P>
<P class="p701 ft3">1 kap. 4 §</P>
<P style="text-align: justify;padding-right: 12px;margin-top: 15px;margin-bottom: 0px;" class="ft124">I paragrafen införs en rad nya definitioner. Dessa bör – i likhet med de som redan finns i paragrafen – ta sin utgångspunkt i ordens singularform.</P>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">653</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">654</P>
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<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p213 ft6">Enligt artikel 4.32 i betaltjänstdirektivet är en känslig betalningsuppgift en uppgift som kan användas för bedrägerier. När som i detta fall ”bedrägerier” inte har den straffrättsliga innebörden utan har en vidare mening bör ett annat uttryck användas, förslagsvis ”svikliga förfaranden”<SPAN class="ft80">.</SPAN></P>
<P class="p288 ft3">För att innebörden av begreppet stark kundautentisering ska bli klarare bör definitionen innehålla de förklaringar av komponenterna kunskap, innehav och unik egenskap som finns i direktivets definition (artikel 4.30).</P>
<P class="p213 ft6">Vid föredragningen har uppmärksammats att den definition av termen betalningsinstrument som finns i nuvarande lag inte fullt ut överens- stämmer med definitionen i artikel 4.14 i direktivet och bör justeras. Detta får till följd att också definitionen av uttrycket utgivning av betalningsinstrument bör justeras något.</P>
<P class="p1123 ft76">Vidare bör definitionen av obehörig transaktion inte vara begränsad till betalkonto.</P>
<P class="p317 ft3">Definitionerna får med dessa förändringar följande lydelse.</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 8px;margin-bottom: 0px;" class="ft3"><SPAN class="ft4">betalningsinstrument: </SPAN>ett kontokort eller något annat personligt instru- ment eller en personlig rutin som enligt avtal används för att initiera en betalningsorder,</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 12px;margin-bottom: 0px;" class="ft5"><SPAN class="ft41">kontobaserad betalning: </SPAN>en betaltjänst för kreditering av en betalnings- mottagares betalkonto med en betalningstransaktion från en betalares betalkonto, som utförs av en betaltjänstleverantör som har tillgång till betalarens betalkonto, på grundval av en instruktion som lämnats av betalaren,</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 64px;margin-top: 13px;margin-bottom: 0px;" class="ft5"><SPAN class="ft41">känslig betalningsuppgift: </SPAN>en personlig behörighetsfunktion eller annan uppgift som kan användas för svikliga förfaranden, dock inte konto- innehavarens namn och kontonummer i sådan verksamhet som drivs av en leverantör av betalningsinitieringstjänster eller en leverantör av kontoinformationstjänster,</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 14px;margin-bottom: 0px;" class="ft3"><SPAN class="ft4">obehörig transaktion: </SPAN>en transaktion som genomförs utan samtycke från kontohavaren eller någon annan som enligt kontoavtalet är behörig att använda kontot,</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 12px;margin-bottom: 0px;" class="ft3"><SPAN class="ft4">personlig behörighetsfunktion: </SPAN>en personligt anpassad funktion som betaltjänstleverantören tillhandahåller betaltjänstanvändaren för autentiseringsändamål,</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 12px;margin-bottom: 0px;" class="ft5"><SPAN class="ft41">stark kundautentisering: </SPAN>en autentisering som grundas på användning av två eller flera komponenter, kategoriserade som kunskap (något som bara användaren vet), innehav (något som bara användaren har) och unik egenskap (något som användaren är), som är fristående från varandra så att det förhållandet att någon har kommit över en av kom- ponenterna inte äventyrar de andra komponenternas tillförlitlighet, och som är utformad för att skydda autentiseringsuppgifterna mot obehörig åtkomst,</P>
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<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;" class="ft41">utgivning av betalningsinstrument: <SPAN class="ft5">en betaltjänst hos en betaltjänst- leverantör om att tillhandahålla betalaren ett betalningsinstrument för att initiera och behandla betalarens betalningstransaktioner,</SPAN></P>
<P style="text-align: justify;padding-right: 13px;margin-top: 14px;margin-bottom: 0px;" class="ft3">Som framgår nedan (se 5 kap. 13 §) kan det enligt Lagrådets mening finnas skäl att också införa en definition av uttrycket ”säker kommunika- tion”.</P>
<P class="p771 ft3">1 kap. 6 §</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 14px;margin-bottom: 0px;" class="ft76">Begränsningen av undantaget för tekniska tjänster i punkt 4 blir klarare om punkten utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 5px;margin-bottom: 0px;" class="ft3">4. tillhandahålls av en leverantör av tekniska tjänster som stöder betaltjänstleverantörens verksamhet med betaltjänster, utan att leverantören av tekniska tjänster vid något tillfälle kommer i besittning av medel, såvida det inte rör sig om en betalningsinitieringstjänst eller kontoinformationstjänst.</P>
<P class="p263 ft3">1 kap. 6 a §</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 15px;margin-bottom: 0px;" class="ft3">I artikel 3 k i betaltjänstdirektivet, som avses motsvara punkt 2 c i paragrafen, talas visserligen om nationell eller regional myndighet. Denna bestämning är emellertid inte relevant för svenskt vidkommande. I punkten bör därför ”nationell eller regional” strykas.</P>
<P class="p317 ft3">1 kap. 6 b §</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 13px;margin-bottom: 0px;" class="ft3">Paragrafen innehåller undantag från lagens tillämpning vad gäller tjänster i form av uttag av kontanter med hjälp av uttagsautomater.</P>
<P class="p821 ft3">Inledningen av paragrafen bör justeras och utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 7px;margin-bottom: 0px;" class="ft64">Denna lag gäller inte en tjänst som endast möjliggör uttag av kontanter med hjälp av uttagsautomater, om den som tillhandahåller tjänsten 1. agerar för en eller flera kortutgivares räkning,</P>
<P class="p317 ft3">1 kap. 7 §</P>
<P style="text-align: justify;padding-right: 12px;margin-top: 12px;margin-bottom: 0px;" class="ft5">I första stycket 1 anges att lagen inte gäller betalningstransaktioner som sker med pappersbaserade instrument som checkar, växlar, kuponger, resecheckar, postanvisningar eller utbetalningsavier. Bestämmelsen avsågs genomföra artikel 3 g i första betaltjänstdirektivet, som har sin motsvarighet i artikel 3 g i andra betaltjänstdirektivet. Där anges emellertid att undantaget avser betalningstransaktioner baserade på vissa närmare angivna ”handlingar, dragna på betaltjänstleverantören för att ställa medel till betalningsmottagarens förfogande”.</P>
<P class="p759 ft64">Undantaget i direktivet avser alltså bara vissa handlingar där en part, utställaren (i växel- och checksammanhang kallad trassenten) drar handlingen på betaltjänstleverantören (i nyssnämnda sammanhang benämnd trassaten) för betalning till betalningsmottagaren (remittenten). Undantaget tar med andra ord sikte på fall där det är fråga om ett trepartsförhållande och där vissa närmare angivna handlingar används.</P>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">655</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">656</P>
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<P class="p314 ft5">Detta framgår inte av ordalydelsen i första stycket 1. Av direktiv- bestämmelsen framgår också att undantaget är uttömmande och bara avser där närmare angivna handlingar. Bestämmelsen i första stycket 1 i paragrafen ger dock närmast intrycket av att ge en inte uttömmande uppräkning (jfr orden ”pappersbaserade instrument som”).</P>
<P class="p1123 ft76">Lagrådet föreslår därför att bestämmelsen ges en lydelse som ligger närmare direktivet.</P>
<P class="p1106 ft3">Vidare bör i första stycket punkt 6 ”motsvarande” ersättas med ”liknande”.</P>
<P class="p260 ft3">1 kap. 9 §</P>
<P style="text-align: justify;padding-right: 68px;margin-top: 11px;margin-bottom: 0px;" class="ft6">Enligt 1 kap. 6 a § är viss begränsad verksamhet delvis undantagen från lagens reglering. Den som bedriver sådan verksamhet ska anmäla detta till Finansinspektionen om det sammanlagda värdet av betalnings- transaktionerna under de senaste tolv månaderna överstiger en miljon euro. Enligt 9 § ska Finansinspektionen besluta om verksamheten omfattas av undantaget i 6 a §.</P>
<P class="p615 ft3">Som lagtexten är utformad gäller undantaget i 1 kap. 6 a § oavsett Finansinspektionens beslut. Under alla förhållanden är verksamheten inte underkastad lagen. Det framstår därmed som oklart vilken betydelse inspektionens beslut har.</P>
<P class="p213 ft6">I övervägandena sägs att regleringen kan förbättra kontrollen av vilka aktörer som bedriver verksamhet av detta slag. Den närmare innebörden av Finansinspektionens beslut bör klargöras under den fortsatta bered- ningen.</P>
<P class="p213 ft3">I lagtexten används uttrycket ”driver” verksamhet. Texten bör ändras till det språkligt mera korrekta ”bedriver”. Samma ändring bör göras på övriga ställen i lagtexten (bl.a. 2 kap. 6 §, 3 kap. 2, 18 och 24 §§ samt 8 kap. 21 och 22 §§).</P>
<P class="p260 ft3">2 kap. 1 §</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 15px;margin-bottom: 0px;" class="ft5">Lagen innehåller uttryckliga bestämmelser om att Finansinspektionen ska registrera den som har beviljats undantag från tillståndsplikt enligt 2 kap. 3 § (se 2 kap. 4 §) och att ombud ska anmälas för registrering (3 kap. 17 §). Vidare framgår indirekt av 3 kap. 19 § att även en svensk betal- tjänstleverantörs filial inom EES ska registreras. Registrets innehåll regleras i 8 kap. 5 §. Någon bestämmelse om att den som har beviljats tillstånd att tillhandahålla betaltjänster ska registreras finns emellertid inte. I det fortsatta lagstiftningsarbetet bör övervägas om en sådan bestämmelse bör införas.</P>
<P class="p801 ft3">2 kap. 3 §</P>
<P style="text-align: justify;padding-right: 68px;margin-top: 15px;margin-bottom: 0px;" class="ft3">Lydelsen av punkt 2 i första stycket kan uppfattas som att penningtvätt och finansiering av terrorism alltid utgör former av ekonomisk brottslighet. För att komma från detta bör punkten ges följande utformning.</P>
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<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 245px;vertical-align: bottom;" class="tr22"><P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">2. den som ska ingå i ett bolags eller</P></TD>
<TD colspan=2 class="tr22 td143"><P class="p71 ft7">en förenings styrelse,</P></TD>
<TD class="tr22 td65"><P class="p42 ft3">vara</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 245px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">verkställande direktör eller ansvarig för</P></TD>
<TD colspan=3 class="tr16 td186"><P class="p42 ft7">betaltjänstverksamheten inte</P></TD>
<TD class="tr16 td175"><P class="p3 ft6">Bilaga 6</P></TD>
</TR>
<TR>
<TD colspan=8 class="tr21 td329"><P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">har dömts för brott som rör finansiering av terrorism eller penningtvätt</P></TD>
<TD class="tr21 td175"><P class="p3 ft22"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 245px;vertical-align: bottom;" class="tr28"><P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">eller annan ekonomisk brottslighet,</P></TD>
<TD class="tr28 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr27 td329"><P class="p3 ft3">Den som tillhandahåller betalningsinitieringstjänster kan inte undantas</P></TD>
<TD class="tr27 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td329"><P class="p3 ft6">från tillståndsplikt enligt 1 §. Detta gäller även om, förutom betalnings-</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td329"><P class="p3 ft6">initieringstjänster, också andra tjänster tillhandahålls i verksamheten.</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=6 class="tr20 td238"><P class="p3 ft3">Ordet ”endast” i tredje stycket ska därför tas bort.</P></TD>
<TD class="tr20 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr31 td112"><P class="p3 ft3">2 kap. 6 §</P></TD>
<TD class="tr31 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr27 td329"><P class="p3 ft3">Paragrafen reglerar villkoren för att ge tillstånd att tillhandahålla betal-</P></TD>
<TD class="tr27 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td329"><P class="p3 ft5">tjänster. Enligt första stycket 4 ska den som ska ingå i företagets styrelse,</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td329"><P class="p3 ft3">vara verkställande direktör eller vara ersättare för någon av dem, ha</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td329"><P class="p3 ft6">tillräcklig insikt och erfarenhet för att delta i ledningen av ett sådant</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr16 td329"><P class="p3 ft6">företag och även i övrigt vara lämplig för en sådan uppgift. Enligt</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr15 td329"><P class="p3 ft3">Lagrådets mening bör även punkt 5 ha motsvarande utformning enligt</P></TD>
<TD class="tr15 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td112"><P class="p3 ft3">följande.</P></TD>
<TD class="tr28 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr22 td329"><P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">5. den som är ansvarig för betaltjänstverksamheten eller ersättare för</P></TD>
<TD class="tr22 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr21 td329"><P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">denna person har tillräcklig insikt och erfarenhet för en sådan uppgift<SPAN class="ft72">,</SPAN></P></TD>
<TD class="tr21 td175"><P class="p3 ft22"> </P></TD>
</TR>
<TR>
<TD colspan=5 style="padding: 0px;margin: 0px;width: 245px;vertical-align: bottom;" class="tr28"><P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">och även i övrigt är lämplig för uppgiften,</P></TD>
<TD class="tr28 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr31 td112"><P class="p3 ft3">3 kap. 1 §</P></TD>
<TD class="tr31 td105"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td34"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td162"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td154"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td46"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td141"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td65"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr31 td329"><P class="p3 ft3">Avsikten är att de olika kapitalkrav som anges i paragrafen ska vara</P></TD>
<TD class="tr31 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr28 td329"><P class="p3 ft3">alternativa. Lagrådet föreslår att paragrafen utformas enligt följande.</P></TD>
<TD class="tr28 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr22 td329"><P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">Ett betalningsinstitut ska när det påbörjar sin verksamhet ha ett</P></TD>
<TD class="tr22 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD colspan=8 class="tr21 td329"><P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">startkapital som vid tidpunkten för beslut i fråga om tillstånd motsvarar</P></TD>
<TD class="tr21 td175"><P class="p3 ft22"> </P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P style="text-align: left;padding-left: 40px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">1. minst 20</P></TD>
<TD class="tr16 td105"><P class="p198 ft6">000</P></TD>
<TD class="tr16 td34"><P class="p71 ft6">euro,</P></TD>
<TD class="tr16 td162"><P class="p3 ft6">om</P></TD>
<TD class="tr16 td154"><P class="p3 ft6">tillståndet</P></TD>
<TD class="tr16 td46"><P class="p3 ft6">omfattar</P></TD>
<TD class="tr16 td141"><P class="p3 ft5">betaltjänster</P></TD>
<TD class="tr16 td65"><P class="p42 ft7">enligt</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr21 td112"><P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft23">1 kap. 2 § 6,</P></TD>
<TD class="tr21 td105"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td34"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td162"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td154"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td46"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td141"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td65"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td175"><P class="p3 ft22"> </P></TD>
</TR>
<TR>
<TD class="tr21 td112"><P style="text-align: left;padding-left: 40px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft24">2. minst 50</P></TD>
<TD class="tr21 td105"><P class="p198 ft23">000</P></TD>
<TD class="tr21 td34"><P class="p71 ft23">euro,</P></TD>
<TD class="tr21 td162"><P class="p3 ft23">om</P></TD>
<TD class="tr21 td154"><P class="p3 ft23">tillståndet</P></TD>
<TD class="tr21 td46"><P class="p3 ft23">omfattar</P></TD>
<TD class="tr21 td141"><P class="p3 ft24">betaltjänster</P></TD>
<TD class="tr21 td65"><P class="p42 ft7">enligt</P></TD>
<TD class="tr21 td175"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 98px;margin-top: 0px;margin-bottom: 0px;" class="ft6">1 kap. 2 § 7, eller</P>
<P style="text-align: left;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 10px;" class="ft3">3. minst 125 000 euro, om tillståndet omfattar någon av betal- tjänsterna enligt 1 kap. 2 § <NOBR>1–5.</NOBR></P>
<P class="p468 ft3">3 kap. 13 §</P>
<P style="text-align: justify;padding-left: 68px;padding-right: 158px;margin-top: 15px;margin-bottom: 0px;" class="ft40">Tillämpningsområdet för lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism regleras i den lagen, inte i lagen om betaltjänster. Paragrafen bör därför formuleras enligt följande.</P>
<P style="text-align: justify;padding-left: 98px;padding-right: 158px;margin-top: 6px;margin-bottom: 0px;" class="ft70">Bestämmelser om skyldighet för fysiska eller juridiska personer som tillhandahåller betaltjänster att medverka till att förhindra penningtvätt och finansiering av terrorism finns i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism. Av den lagen framgår att bestämmelserna inte gäller för registrerade betaltjänstleverantörer som endast tillhandahåller kontoinformationstjänster.</P>
<P style="text-align: right;padding-right: 51px;margin-top: 34px;margin-bottom: 0px;" class="ft3">657</P>
</DIV>
<DIV id="page_658" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">658</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p15 ft3">3 kap 17 §</P>
<P class="p837 ft3">Av paragrafen bör framgå att Finansinspektionen ska göra en allmän prövning av om det anmälda ombudet är lämpligt innan registrering sker, en bedömning som inte ska vara begränsad till penningtvättaspekter. Det bör också framgå att inspektionen ska besluta om registrering inom två månader.</P>
<P class="p606 ft3">Lagrådet föreslår att paragrafens tredje stycke utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 7px;margin-bottom: 0px;" class="ft5">Om anmälan uppfyller kraven i andra stycket och ombudet bedöms lämpligt för uppgiften, ska Finansinspektionen registrera ombudet i det register som inspektionen för enligt 8 kap. 5 §. Beslut i fråga om registrering ska fattas inom två månader från det att anmälan togs emot. Betalningsinstitutet eller den registrerade betaltjänstleverantören ska underrättas om beslutet.</P>
<P class="p260 ft3">3 kap. 18 §</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 12px;margin-bottom: 0px;" class="ft40">I paragrafen bör första stycket för tydlighetens skull avslutas med ”genom ombud”. Vidare bör, för att det klarare ska framgå vad underrättelsen ska innehålla, det tredje stycket utformas enligt följande.</P>
<P class="p213 ft3">Betaltjänstleverantören ska underrätta Finansinspektionen om vilken dag tillhandahållandet av betaltjänster genom ombudet påbörjas i det andra landet.</P>
<P class="p771 ft3">3 kap. 18 a §</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 12px;margin-bottom: 0px;" class="ft5">I tredje stycket anges att Finansinspektionen ska vägra att registrera ett ombud eller återkalla en utförd registrering, om inspektionen har skälig anledning att anta att penningtvätt eller finansiering av terrorism, eller försök till sådana förfaranden, förekommer eller har förekommit i anknytning till ombudet, eller om anlitandet av ombudet kan öka risken för penningtvätt eller finansiering av terrorism. Regleringen motsvarar nuvarande 18 § tredje stycket. Den bestämmelsen avsåg att genomföra artikel 17.6 i första betaltjänstdirektivet.</P>
<P class="p616 ft5">I den artikeln angavs att ”[o]m den föreslagna värdmedlemsstatens behöriga myndigheter har skälig anledning att misstänka att penningtvätt eller finansiering av terrorism i den mening som avses i direktiv 2005/60/EG äger rum eller har ägt rum eller har försökts i samband med det avsedda anlitandet av ombudet eller inrättandet av filialen, eller att anlitandet av ett sådant ombud eller inrättandet av en sådan filial kan öka risken för penningtvätt eller finansiering av terrorism, ska de informera hemmedlemsstatens behöriga myndigheter, som får vägra att registrera ombudet eller filialen eller får återkalla registreringen av ombudet eller filialen, om den redan gjorts”.</P>
<P class="p628 ft40">Regleringen har sin motsvarighet i artikel 28.2 i andra betaltjänst- direktivet, som bl.a. i andra stycket anger att de behöriga myndigheterna i värdmedlemsstaten ska ”informera de behöriga myndigheterna i hemmedlemsstaten, särskilt om alla rimliga skäl till farhågor i samband med det avsedda anlitandet av ett ombud eller inrättandet av en filial, när det gäller penningtvätt eller finansiering av terrorism i den mening som</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_659" style="position:relative; overflow: hidden;margin: 48px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P class="p758 ft6">avses i direktiv (EU) 2015/849”. I den engelska versionen används uttrycket ”shall inform the competent authorities … in particular of”. Det framgår således enligt Lagrådets mening av den nu aktuella artikeln att bestämmelsen inte bara omfattar sådant som har koppling till penningtvätt eller finansiering av terrorism utan också annat (jfr orden ”särskilt om” respektive ”in particular”).</P>
<P class="p519 ft70">I artikel 17.6 i det första betaltjänstdirektivet används också uttrycket ”skälig anledning att misstänka” (”reasonable grounds to suspect”). I artikel 28.2 används i stället uttrycket ”rimliga skäl till farhågor” (”reasonable grounds for concern”). Också i detta hänseende synes alltså såväl informationsplikten som det som ska granskas ha ändrats något.</P>
<P class="p786 ft76">Enligt Lagrådets mening bör tredje stycket utformas i närmare anslutning till regleringen i artikel 28.2 i nu nämnda avseenden.</P>
<P class="p317 ft3">3 kap. 19 §</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 15px;margin-bottom: 0px;" class="ft3">Motsvarande förändringar som föreslås beträffande 3 kap. 18 § bör också göras i 3 kap. 19 § vad gäller filialverksamhet.</P>
<P class="p771 ft3">3 kap. 20 §</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 15px;margin-bottom: 0px;" class="ft3">Beträffande regleringen i tredje stycket, se vad Lagrådet har anfört i anslutning till 3 kap. 18 a §.</P>
<P class="p771 ft3">3 kap. 23 §</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 10px;margin-bottom: 0px;" class="ft6">Paragrafen anger att ett betalningsinstitut efter tillstånd av Finansinspektionen får inrätta en filial i ett annat land utanför EES och vad en ansökan om tillstånd ska innehålla. Av paragrafen framgår emellertid inte under vilka förutsättningar Finansinspektionen ska ge tillstånd. Det grundläggande syftet med tillståndskravet torde vara att säkerställa att en filial i det landet inte äventyrar institutets verksamhet här.</P>
<P class="p838 ft3">I paragrafen bör tas in reglering av förutsättningarna för tillstånd. Utformningen bör övervägas i den fortsatta beredningen.</P>
<P class="p771 ft3">3 kap. 26 §</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 12px;margin-bottom: 0px;" class="ft3">För att underlätta läsningen av paragrafen bör andra stycket formuleras på ett sätt som närmare anknyter till första stycket, förslagsvis enligt följande.</P>
<P class="p514 ft3">Ett utländskt företag som hör hemma inom EES och som i hemlandet har undantagits från tillståndsplikt för att tillhandahålla betaltjänster behöver inte tillstånd enligt 2 kap. för att tillhandahålla kontoinforma- tionstjänster i Sverige.</P>
<P class="p260 ft3">3 kap. 27 §</P>
<P class="p279 ft3">Se vad Lagrådet har anfört i anslutning till 3 kap. 18 a §.</P>
</DIV>
<DIV style="float:left;border:none;margin: 1px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">659</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_660" style="position:relative; overflow: hidden;margin: 48px 0px 81px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">660</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p15 ft3">3 kap. 28 a §</P>
<P class="p771 ft3">Lagrådet föreslår att paragrafen utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 8px;margin-bottom: 0px;" class="ft3">Om ett betalningsinstitut eller en registrerad betaltjänstleverantör avser att ändra den uppdragsverksamhet som avses i 28 §, ska institutet eller leverantören anmäla detta till Finansinspektionen innan ändringen genomförs.</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 10px;margin-bottom: 0px;" class="ft3">Om ändringen rör ett betalningsinstituts verksamhet i ett annat land inom EES, ska Finansinspektionen inom en månad från det att anmälan togs emot underrätta den behöriga myndigheten i det andra landet om ändringen.</P>
<P class="p270 ft3">4 kap. 2 §</P>
<P style="text-align: justify;padding-right: 68px;margin-top: 11px;margin-bottom: 0px;" class="ft6">Enligt den föreslagna regleringen i andra stycket ska en betaltjänst- leverantör som begär en avgift vid användning av ett visst betalnings- instrument informera betaltjänstanvändaren om det sammanlagda avgiftsbeloppet innan betalningstransaktionen påbörjas. Om informa- tionen inte lämnas, är betaltjänstanvändaren inte skyldig att betala avgiften. Regleringen väcker två frågor.</P>
<P class="p630 ft5">För det första framgår det inte av bestämmelsen vem som står risken för att meddelandet inte kommer fram. Är det betaltjänstleverantören som bär denna risk, innebär det förhållandet att meddelandet med informationen inte kommer fram till betaltjänstanvändaren att någon rätt att kräva betalt för avgiften inte föreligger. Står däremot användaren risken för meddelandet, innebär det förhållandet att meddelandet inte kommer fram att rätten att kräva betalt för avgiften kvarstår, åtminstone om meddelandet har avsänts på ett ändamålsenligt sätt.</P>
<P class="p288 ft6">Det bör under den fortsatta beredningen klargöras vem av parterna som ska stå risken för meddelandet. Är det betaltjänstanvändaren som ska bära denna risk, finns det anledning att ange detta i lagtexten, exempelvis med en formulering som motsvarar 82 § köplagen eller 47 § konsument- köplagen.</P>
<P class="p615 ft3">För det andra framgår det inte av paragrafen om det räcker för att informationsförpliktelsen ska anses vara uppfylld att informationen lämnas i ett avtal, exempelvis ett standardavtal, mellan betaltjänst- leverantören och betaltjänstanvändaren beträffande framtida använd- ningar av ett visst betalningsinstrument. Om detta är tillräckligt eller om det krävs att informationen lämnas uttryckligen inför varje enskild transaktion bör klargöras i den fortsatta beredningen.</P>
<P class="p268 ft3">4 kap. 3 §</P>
<P style="text-align: justify;padding-right: 68px;margin-top: 13px;margin-bottom: 0px;" class="ft3">Valutaväxling som sker i en uttagsautomat erbjuds inte före påbörjandet av en betalningstransaktion. Första stycket i paragrafen bör därför formuleras enligt följande.</P>
<P class="p463 ft40">Om valutaväxling erbjuds före påbörjandet av betalningstransaktionen på platsen för försäljningen eller av betalningsmottagaren, ska den som erbjuder betalaren denna tjänst informera betalaren om alla avgifter för</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_661" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td329"><P class="p3 ft5">tjänsten samt om den växelkurs som ska användas. Detsamma gäller om</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr20 td329"><P class="p3 ft3">valutaväxling erbjuds i en uttagsautomat.</P></TD>
<TD class="tr20 td175"><P class="p3 ft3">Bilaga 6</P></TD>
</TR>
<TR>
<TD class="tr31 td329"><P class="p3 ft3">4 kap. 4 a, 4 b, 7 a och 8 a §§</P></TD>
<TD class="tr31 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td329"><P class="p3 ft5">I paragraferna, som alla rör informationsskyldighet, bör enligt Lagrådets</P></TD>
<TD class="tr27 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr20 td329"><P class="p3 ft3">mening vissa redaktionella ändringar göras enligt följande.</P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 98px;margin-top: 18px;margin-bottom: 0px;" class="ft3">4 a §</P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;" class="ft23">Innan en betalningsorder initieras ska leverantören av betalnings- initieringstjänster, utöver vad som anges i 4 §, informera betaltjänst- användaren om</P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 10px;" class="ft6"><SPAN class="ft7">1.</SPAN><SPAN class="ft33">leverantörens namn och adress samt besöksadressen till huvud- kontoret,</SPAN></P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 10px;" class="ft6"><SPAN class="ft7">2.</SPAN><SPAN class="ft33">besöksadressen till leverantörens ombud eller filial i det land inom EES där betaltjänsten erbjuds, om tjänsterna tillhandahålls genom ombud eller filial,</SPAN></P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 10px;" class="ft23"><SPAN class="ft7">3.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 3px;line-height: 14px;">övriga kontaktuppgifter som är relevanta för kommunikation med leverantören, och</SPAN></P>
<P style="text-align: justify;padding-left: 108px;margin-top: 1px;margin-bottom: 0px;" class="ft3"><SPAN class="ft7">4.</SPAN><SPAN class="ft32">kontaktuppgifter till Finansinspektionen.</SPAN></P>
<P style="text-align: left;padding-left: 98px;margin-top: 12px;margin-bottom: 0px;" class="ft3">4 b §</P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;" class="ft6">Innan ett avtal om ett enstaka tillhandahållande av en kontoinforma- tionstjänst ingås, ska leverantören av kontoinformationstjänster informera betaltjänstanvändaren om</P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 10px;" class="ft23"><SPAN class="ft7">1.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 3px;line-height: 14px;">vilka uppgifter användaren ska lämna för att kontoinformations- tjänsten ska kunna utföras korrekt,</SPAN></P>
<P style="text-align: justify;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft7">2.</SPAN><SPAN class="ft32">hur lång tid det längst tar att utföra tjänsten, och</SPAN></P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 10px;" class="ft3"><SPAN class="ft7">3.</SPAN><SPAN class="ft32">det sammanlagda avgiftsbeloppet som användaren ska betala till leverantören för tjänsten.</SPAN></P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 12px;margin-bottom: 0px;" class="ft3">Leverantören ska ge betaltjänstanvändaren detaljerad information om avgiftsbeloppet enligt första stycket 3, om de olika avgifterna lätt kan särskiljas och redovisas separat.</P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 12px;margin-bottom: 0px;" class="ft3">Leverantören ska göra information enligt 10 § tillgänglig för användaren.</P>
<P style="text-align: left;padding-left: 98px;margin-top: 11px;margin-bottom: 0px;" class="ft3">7 a §</P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;" class="ft6">Leverantören av en betalningsinitieringstjänst ska tillhandahålla betalaren följande information omedelbart efter det att en betal- ningsorder initierats:</P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 10px;" class="ft23"><SPAN class="ft7">1.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 3px;line-height: 14px;">en bekräftelse på att betalningsordern initierats med betalarens kontoförvaltande betaltjänstleverantör,</SPAN></P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 10px;" class="ft6"><SPAN class="ft7">2.</SPAN><SPAN class="ft33">en uppgift som gör det möjligt att identifiera betalningstransak- tionen,</SPAN></P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 10px;" class="ft23"><SPAN class="ft7">3.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 3px;line-height: 14px;">den information som överförts tillsammans med betalnings- transaktionen,</SPAN></P>
<P style="text-align: justify;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft7">4.</SPAN><SPAN class="ft32">transaktionens belopp, och</SPAN></P>
<P style="text-align: justify;padding-left: 98px;padding-right: 163px;margin-top: 0px;margin-bottom: 0px;text-indent: 10px;" class="ft3"><SPAN class="ft7">5.</SPAN><SPAN class="ft32">det avgiftsbelopp som ska betalas till leverantören av betalnings- initieringstjänsten för transaktionen.</SPAN></P>
<P class="p14 ft3">661</P>
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<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr22 td64"><P class="p36 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p967 ft5">Leverantören ska ge betalaren detaljerad information om avgifts-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p36 ft6">Bilaga 6</P></TD>
<TD class="tr16 td93"><P class="p967 ft5">beloppet enligt första stycket 5, om de olika avgifterna lätt kan sär-</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">skiljas och redovisas separat.</P></TD>
</TR>
<TR>
<TD class="tr29 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td93"><P class="p967 ft5">Uppgift enligt första stycket 2 ska göras tillgänglig för betalarens</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">kontoförvaltande betaltjänstleverantör.</P></TD>
</TR>
<TR>
<TD class="tr27 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p967 ft3">8 a §</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft7">Leverantören av en betalningsinitieringstjänst ska tillhandahålla betal-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft7">ningsmottagaren följande information omedelbart efter det att en betal-</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft23">ningsorder har initierats:</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p27 ft6">1. en uppgift som gör det möjligt för betalningsmottagaren att</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft23">identifiera betalaren och betalningstransaktionen, och</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p27 ft6">2. den information som överförts tillsammans med betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">aktionen.</P></TD>
</TR>
<TR>
<TD class="tr31 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td93"><P class="p3 ft3">4 kap. 10 §</P></TD>
</TR>
<TR>
<TD class="tr27 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p3 ft5">I punkten 19 finns en informationsskyldighet som enligt förslaget gäller</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">för endast misstänkta eller faktiska bedrägerier eller säkerhetshot.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">Lagrådet ifrågasätter om inte direktivet kräver att information lämnas vid</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">misstankar om all obehörig användning.</P></TD>
</TR>
<TR>
<TD class="tr20 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p31 ft3">Lagrådet föreslår att punkterna 4 och 19 utformas enligt följande.</P></TD>
</TR>
<TR>
<TD class="tr2 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td93"><P class="p967 ft7">4. vilka uppgifter användaren ska lämna för att en betalningsorder eller</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">en kontoinformationstjänst ska kunna utföras korrekt,</P></TD>
</TR>
<TR>
<TD class="tr29 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td93"><P class="p967 ft7">19. vilka åtgärder betaltjänstleverantören vidtar för att på ett säkert sätt</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft7">underrätta betaltjänstanvändaren om obehörig användning och säker-</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">hetsrisker,</P></TD>
</TR>
<TR>
<TD class="tr31 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td93"><P class="p3 ft3">4 kap. 20 §</P></TD>
</TR>
<TR>
<TD class="tr27 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p3 ft5">Lagrådet föreslår att paragrafen ges ett delvis annat innehåll. Förslaget</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft7">och skälen för det har behandlats i det föregående (se under Allmänt om</P></TD>
</TR>
<TR>
<TD class="tr20 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft3">lagens tvingande karaktär).</P></TD>
</TR>
<TR>
<TD class="tr27 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p3 ft3">4 kap. 21 §</P></TD>
</TR>
<TR>
<TD class="tr27 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p3 ft3">I paragrafen regleras den näringsrättsliga påföljden vid utebliven</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">information. Om information enligt vissa paragrafer i kapitlet inte</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">lämnas, ska marknadsföringslagen tillämpas.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft5">Det bör förklaras varför just de angivna paragraferna har valts och inte</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">andra informationsregler i kapitlet.</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p17 ft6">I sammanhanget ska tilläggas att en utebliven information kan</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">föranleda även en civilrättslig sanktion. Särskilt i konsumentförhållanden</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft5">kan överraskande och betungande standardvillkor inte bli del av ett avtal</P></TD>
</TR>
<TR>
<TD class="tr20 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft5">redan genom en svepande hänvisning utan måste omnämnas särskilt.</P></TD>
</TR>
<TR>
<TD style="height: 62px;" class="td64"><P class="p495 ft7">662</P></TD>
<TD style="height: 62px;" class="td93"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
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<P class="p15 ft3">5 kap. 1 §</P>
<P style="text-align: justify;padding-right: 12px;margin-top: 8px;margin-bottom: 0px;" class="ft6">I förslaget till ett justerat andra stycke anges att betalaren och betalningsmottagaren ska betala de avgifter som deras respektive betaltjänstleverantör tar ut. Avsikten med den föreslagna regleringen är, som i viss utsträckning framgår av artikel 62.2 i andra betaltjänst- direktivet, att betalningsmottagaren bara ska vara betalningsskyldig för de avgifter som dennes betaltjänstleverantör tar ut och att betalaren bara ska vara betalningsskyldig för de avgifter som dennes betaltjänst- leverantör tar ut. Regleringen syftar alltså till att fördela ansvaret för de utgifter som uppkommer i samband med en transaktion. Detta bör komma till tydligare uttryck i bestämmelsen.</P>
<P style="text-align: left;padding-left: 11px;margin-top: 10px;margin-bottom: 0px;" class="ft3">Lagrådet föreslår att paragrafen utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 7px;margin-bottom: 0px;" class="ft3">I förhållandet mellan betalaren och betalningsmottagaren ska betalaren svara för de avgifter som betalarens betaltjänstleverantör tar ut och betalningsmottagaren svara för de avgifter som mottagarens betal- tjänstleverantör tar ut.</P>
<P class="p270 ft3">5 kap. 3 §</P>
<P style="text-align: left;padding-right: 12px;margin-top: 13px;margin-bottom: 0px;" class="ft64">I linje med vad som gäller i fråga om liknande krav på samtycke bör det av paragrafen framgå att betalaren ska ha lämnat ett uttryckligt samtycke.</P>
<P class="p106 ft3">Lagrådet föreslår att paragrafen utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 7px;margin-bottom: 0px;" class="ft70">En betalningstransaktion ska betraktas som godkänd om betalaren uttryckligen har lämnat sitt samtycke till att den genomförs. Samtycket ska lämnas antingen direkt till den kontoförvaltande betaltjänst- leverantören eller via betalningsmottagaren eller, i förekommande fall, leverantören av betalningsinitieringstjänsten.</P>
<P class="p771 ft3">5 kap. 5 §</P>
<P class="p771 ft5">Sista stycket i paragrafen kan lämpligen omformuleras på följande sätt.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 9px;margin-bottom: 0px;" class="ft3">En anmälan enligt första stycket 4 ska vara avgiftsfri för betaltjänst- användaren. Betaltjänstleverantören får dock ta ut en avgift för de kostnader som är direkt hänförliga till ersättningen av betalnings- instrumentet.</P>
<P class="p270 ft3">5 kap. 6 §</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 10px;margin-bottom: 0px;" class="ft6">Paragrafen anger de skyldigheter som en betaltjänstanvändare har avseende ett betalningsinstrument. Placeringen av bestämmelserna ger intryck av att civilrättsliga påföljder generellt skulle kunna aktualiseras om betaltjänstanvändaren bryter mot de skyldigheter som föreskrivs i paragrafen. I realiteten torde regleringen emellertid ha betydelse endast för en kontohavares ansvar för en obehörig transaktion vid grov oaktsamhet. Det är därmed mera lämpligt att skyldigheterna i stället föreskrivs i anslutning till den regleringen.</P>
<P class="p748 ft151">I varje fall bör kopplingen till ansvarsregeln framgå av paragrafen. Detta kan ske antingen genom en hänvisning till en bestämmelse senare i</P>
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<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">663</P>
</DIV>
</DIV>
</DIV>
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<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">664</P>
</DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: left;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft3">kapitlet eller i ett fristående kapitel eller, som Lagrådet förordar, genom en hänvisning till 2010 års lag om obehöriga transaktioner.</P>
<P class="p1082 ft76">Ett sätt är att utforma paragrafen enligt följande, varvid också vissa förenklingar bör göras i första stycket 3.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 18px;margin-bottom: 0px;" class="ft3">Betaltjänstanvändaren är skyldig att</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft6"><SPAN class="ft5">1.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 6px;line-height: 15px;">skydda de personliga behörighetsfunktioner som är knutna till betalningsinstrumentet,</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft23"><SPAN class="ft24">2.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 5px;line-height: 14px;">vid vetskap om att betalningsinstrumentet har kommit bort eller obehörigen använts snarast anmäla detta till betaltjänstleverantören, och</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 1px;margin-bottom: 0px;text-indent: 9px;" class="ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft48">i övrigt följa de villkor som enligt avtalet gäller för användning av betalningsinstrumentet.</SPAN></P>
<P style="text-align: left;padding-left: 31px;padding-right: 68px;margin-top: 5px;margin-bottom: 0px;" class="ft3">Av (57 §) framgår att en betaltjänstanvändare kan bli ansvarig om skyldigheterna i första stycket har åsidosatts.</P>
<P class="p260 ft3">5 kap. <NOBR>7–12</NOBR> §§</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 15px;margin-bottom: 0px;" class="ft40">Enligt Lagrådets mening bör vissa redaktionella ändringar göras i paragraferna. Rubriken närmast före 7 § kan lämpligen begränsas till att avse enbart denna paragraf. Ytterligare en rubrik bör då införas närmast före 8 §. För att tydliggöra att även leverantören av betalningsinitierings- tjänster får ha tillgång till betalningstjänstanvändarens personliga behörighetsfunktioner (jfr lydelsen av artikel 66.3 b i betaltjänst- direktivet) bör 9 § omformuleras något.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 4px;margin-bottom: 0px;" class="ft4">Rätten att använda betalningsinitieringstjänster</P>
<P style="text-align: left;padding-left: 31px;margin-top: 13px;margin-bottom: 0px;" class="ft3">7 §</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 1px;margin-bottom: 0px;" class="ft5">Betaltjänstanvändaren har rätt att använda betalningsinitieringstjänster om det berörda betalkontot är tillgängligt online. Denna rätt gäller oberoende av om det finns ett avtal om detta mellan leverantören av betalningsinitieringstjänster och den kontoförvaltande betaltjänst- leverantören.</P>
<P style="text-align: left;padding-left: 31px;padding-right: 111px;margin-top: 6px;margin-bottom: 0px;" class="ft4">Betaltjänstleverantörens skyldigheter vid tillhandahållandet av betalningsinitieringstjänster</P>
<P style="text-align: left;padding-left: 31px;margin-top: 14px;margin-bottom: 0px;" class="ft3">8 §</P>
<P style="text-align: left;padding-left: 31px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;" class="ft23">Vid tillhandahållande av en betalningsinitieringstjänst får leverantören inte</P>
<P style="text-align: justify;padding-left: 40px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">vid någon tidpunkt inneha betalarens medel,</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft23"><SPAN class="ft24">2.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 3px;line-height: 14px;">lagra känsliga betalningsuppgifter som tillhör betaltjänst- användaren,</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft6"><SPAN class="ft5">3.</SPAN><SPAN class="ft33">begära andra uppgifter av betaltjänstanvändaren än sådana som krävs för att tillhandahålla betalningsinitieringstjänsten,</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft23"><SPAN class="ft24">4.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 3px;line-height: 14px;">använda, ha tillgång till eller lagra uppgifter för andra ändamål än för att tillhandahålla den betalningsinitieringstjänst som uttryckligen begärs av betalaren, eller</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 2px;margin-bottom: 0px;text-indent: 9px;" class="ft3"><SPAN class="ft5">5.</SPAN><SPAN class="ft32">ändra beloppet, uppgift om betalaren eller något annat inslag i transaktionen.</SPAN></P>
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<P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;" class="ft3">9 §</P>
<P style="text-align: left;padding-left: 30px;margin-top: 0px;margin-bottom: 0px;" class="ft6">Leverantören av en betalningsinitieringstjänst ska säkerställa</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;text-indent: 10px;" class="ft24"><SPAN class="ft7">1.</SPAN><SPAN style="font: 12px 'Arial';margin-left: 4px;line-height: 14px;">att betaltjänstanvändarens personliga behörighetsfunktioner inte är tillgängliga för andra än leverantören samt användaren och utgivaren av behörighetsfunktionerna, och att dessa uppgifter överförs genom leverantören på ett säkert och effektivt sätt, och</SPAN></P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 2px;margin-bottom: 0px;text-indent: 10px;" class="ft3"><SPAN class="ft7">2.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 7px;line-height: 16px;">att eventuell övrig information om betaltjänstanvändaren som leverantören har fått vid tillhandahållandet av tjänsten endast lämnas till betalningsmottagaren och med användarens uttryckliga godkän- nande.</SPAN></P>
<P style="text-align: left;padding-left: 30px;margin-top: 10px;margin-bottom: 0px;" class="ft3">10 §</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Leverantören av en betalningsinitieringstjänst ska identifiera sig gent- emot betaltjänstanvändarens kontoförvaltande betaltjänstleverantör varje gång en betalning initieras.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 9px;margin-bottom: 0px;" class="ft3">11 §</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;" class="ft70">När den kontoförvaltande betaltjänstleverantören har tagit emot en betalningsorder från leverantören av betalningsinitieringstjänsten och betalaren uttryckligen godkänt betalningstransaktionen i enlighet med 3 §, ska den kontoförvaltande betaltjänstleverantören ge leverantören av betalningsinitieringstjänsten all tillgänglig information om initi- eringen och genomförandet av betalningstransaktionen. Informationen ska lämnas omedelbart efter det att betalningsordern har tagits emot från leverantören av betalningsinitieringstjänsten.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 11px;margin-bottom: 0px;" class="ft3">12 §</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;" class="ft70">Den kontoförvaltande betaltjänstleverantören ska behandla en betal- ningsorder som tas emot från en leverantör av betalningsinitierings- tjänster på samma sätt som en betalningsorder som tas emot direkt från betalaren när det gäller val av tidpunkt, prioritering och avgifter, såvida det inte finns objektiva skäl för en annan behandling.</P>
<P class="p771 ft3">5 kap. 13 §</P>
<P class="p260 ft3">Enligt paragrafen ska viss kommunikation ske på ett säkert sätt.</P>
<P class="p611 ft70">Tanken är att inte all kommunikation ska godtas utan att den måste uppfylla vissa tekniska standarder som beslutas av Europeiska kommissionen i förordning. Denna förordning är direkt tillämplig. Som 13 § är utformad ska emellertid även annan kommunikation än den som uppfyller förordningens krav godtas vid tillämpning av lagen, så länge kommunikationen kan anses som säker. För att skyldigheten om säker kommunikation ska knytas just till förordningens krav måste det framgå av lagen; en kommentar i motiven om att detta är syftet är inte tillräcklig.</P>
<P class="p519 ft40">Ett sätt kan vara att i 13 § föreskriva att parterna ska tillämpa säker kommunikation och i lagen definiera ”säker kommunikation” som sådan kommunikation som uppfyller den aktuella förordningens krav.</P>
<P class="p260 ft3">5 kap. <NOBR>14–18</NOBR> §§</P>
<P style="text-align: justify;padding-right: 12px;margin-top: 15px;margin-bottom: 0px;" class="ft59">Rubriken närmast före 5 kap. 14 § bör, i likhet med vad som föreslås beträffande rubriken före 7 §, delas upp på två och en ny rubrik placeras</P>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">665</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">666</P>
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<P class="p460 ft3">närmast före 15 §. I 15 § regleras begränsningar i vad leverantören av kontoinformationstjänster får göra vid tillhandahållandet. Även punkt 2 i 16 § behandlar begränsningar i leverantörens rätt. Denna bestämmelse bör därför enligt Lagrådets mening placeras som ett andra stycke i 15 §. Lagtexten skulle då få följande utformning.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 5px;margin-bottom: 0px;" class="ft4">Rätten att använda kontoinformationstjänster</P>
<P style="text-align: left;padding-left: 31px;margin-top: 13px;margin-bottom: 0px;" class="ft3">14 §</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 1px;margin-bottom: 0px;" class="ft5">Betaltjänstanvändaren har rätt att använda kontoinformationstjänster om det berörda betalkontot är tillgängligt online. Denna rätt gäller oberoende av om det finns ett avtal om detta mellan leverantören av kontoinformationstjänster och den kontoförvaltande betaltjänst- leverantören.</P>
<P style="text-align: left;padding-left: 31px;padding-right: 100px;margin-top: 14px;margin-bottom: 0px;" class="ft4">Betaltjänstleverantörernas skyldigheter vid tillhandahållandet av kontoinformationstjänster</P>
<P style="text-align: left;padding-left: 31px;margin-top: 13px;margin-bottom: 0px;" class="ft3">15 §</P>
<P style="text-align: left;padding-left: 31px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;" class="ft6">Vid tillhandahållandet av en kontoinformationstjänst får leverantören inte</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft23"><SPAN class="ft24">1.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 3px;line-height: 14px;">tillhandahålla tjänster utan betaltjänstanvändarens uttryckliga godkännande,</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft6"><SPAN class="ft5">2.</SPAN><SPAN class="ft33">begära känsliga betalningsuppgifter som är kopplade till betal- kontot, eller</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft32">använda, ha tillgång till eller lagra uppgifter för andra ändamål än för att genomföra den kontoinformationstjänst som uttryckligen begärs av betaltjänstanvändaren.</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 11px;margin-bottom: 0px;" class="ft124">Leverantören har endast rätt till tillgång till information från angivna betalkonton och sådana betalningstransaktioner som hör till kontona.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 9px;margin-bottom: 0px;" class="ft3">16 §</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 1px;margin-bottom: 0px;" class="ft3">Leverantören av en kontoinformationstjänst ska säkerställa att betal- tjänstanvändarens personliga behörighetsfunktioner inte är tillgängliga för andra än leverantören samt användaren och utgivaren av dem och att dessa uppgifter överförs genom leverantören på ett säkert och effektivt sätt.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 7px;margin-bottom: 0px;" class="ft3">17 §</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Leverantören av en kontoinformationstjänst ska för varje kommuni- kationssession identifiera sig gentemot den kontoförvaltande betal- tjänstleverantören.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 10px;margin-bottom: 0px;" class="ft3">18 §</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 1px;margin-bottom: 0px;" class="ft3">Den kontoförvaltande betaltjänstleverantören ska behandla en begäran om uppgifter som överförs via en leverantör av kontoinformations- tjänster på samma sätt som en begäran direkt från betaltjänst- användaren, såvida det inte finns objektiva skäl för en annan behandling.</P>
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<P class="p15 ft3">5 kap. 19 §</P>
<P class="p771 ft3">Se Lagrådets synpunkter under 5 kap. 13 §.</P>
<P class="p279 ft3">5 kap. 20 §</P>
<P style="text-align: left;padding-right: 13px;margin-top: 15px;margin-bottom: 0px;" class="ft3">Lagrådet föreslår att rubriken närmast före paragrafen och paragrafen utformas enligt följande.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 7px;margin-bottom: 0px;" class="ft4">Skyldighet att ge åtkomst eller tillträde till betalkonto</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 15px;margin-bottom: 0px;" class="ft70">Den kontoförvaltande betaltjänstleverantören får vägra en leverantör av en betalningsinitieringstjänst åtkomst till ett betalkonto, endast om den kontoförvaltande leverantören av skäl som är objektivt motiverade och tillräckligt underbyggda gör bedömningen att leverantören av initi- eringstjänsten obehörigen har fått tillträde till kontot eller obehörigen har initierat en betalningstransaktion från kontot.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 14px;margin-bottom: 0px;" class="ft70">Den kontoförvaltande betaltjänstleverantören får vägra en leverantör av en kontoinformationstjänst tillträde till ett betalkonto, endast om den kontoförvaltande leverantören av skäl som är objektivt motiverade och tillräckligt underbyggda gör bedömningen att leverantören av informa- tionstjänsten obehörigen har fått åtkomst till kontot.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 13px;margin-bottom: 0px;" class="ft124">Den kontoförvaltande betaltjänstleverantören ska medge åtkomst eller tillträde till betalkontot så snart det inte längre finns skäl för vägran.</P>
<P class="p268 ft3">5 kap. 21 §</P>
<P class="p279 ft3">Lagrådet föreslår att paragrafen utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 8px;margin-bottom: 0px;" class="ft70">Innan den kontoförvaltande betaltjänstleverantören enligt 20 § vägrar åtkomst eller tillgång till ett betalkonto ska leverantören på avtalat sätt underrätta betaltjänstanvändaren. I underrättelsen ska skälen för vägran anges. Om användaren inte kan underrättas innan åtkomst eller tillgång vägras, ska en underrättelse lämnas så snart som möjligt efter vägran.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 13px;margin-bottom: 0px;" class="ft64">Betaltjänstanvändaren får inte underrättas enligt första stycket om en underrättelse är oförenlig med andra föreskrifter. En underrättelse får inte heller lämnas om det är motiverat av säkerhetsskäl.</P>
<P class="p317 ft3">5 kap. 22 §</P>
<P class="p771 ft3">Lagrådet föreslår att paragrafen utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 8px;margin-bottom: 0px;" class="ft3">Den kontoförvaltande betaltjänstleverantören ska omedelbart under- rätta Finansinspektionen om en vägran enligt 20 §. I underrättelsen ska skälen för vägran anges.</P>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">667</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">668</P>
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<P class="p15 ft3">5 kap. <NOBR>23–26</NOBR> §§</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 14px;margin-bottom: 0px;" class="ft59">I paragraferna bör vissa redaktionella ändringar göras. Vidare hänvisas till vad som sägs under 5 kap. 13 § om säker kommunikation. Lagrådet föreslår att paragraferna utformas enligt följande.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 2px;margin-bottom: 0px;" class="ft3">23 §</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;" class="ft7">Den kontoförvaltande betaltjänstleverantören ska, på begäran av en betaltjänstleverantör som har gett ut ett kortbaserat betalningsinstru- ment, omedelbart ge ett klart besked om det belopp som krävs för genomförande av en kortbaserad betalningstransaktion är tillgängligt på betalarens betalkonto eller inte, om</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft6"><SPAN class="ft5">1.</SPAN><SPAN class="ft33">betalarens betalkonto är tillgängligt online vid tidpunkten för begäran, och</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">betalaren uttryckligen har godkänt att den kontoförvaltande betaltjänstleverantören lämnar ett sådant besked.</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Begäran ger inte den kontoförvaltande betaltjänstleverantören rätt att reservera medel på betalarens betalkonto.</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 12px;margin-bottom: 0px;" class="ft3">På begäran av betalaren ska den kontoförvaltande betaltjänst- leverantören underrätta betalaren om identiteten på den betaltjänst- leverantör som begärt ett besked som avses i första stycket samt om det svar som lämnats.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 9px;margin-bottom: 0px;" class="ft3">24 §</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 64px;margin-top: 0px;margin-bottom: 0px;" class="ft70">Den betaltjänstleverantör som har gett ut ett kortbaserat betalnings- instrument får begära ett sådant besked som avses i 23 § om</P>
<P style="text-align: justify;padding-left: 40px;margin-top: 0px;margin-bottom: 0px;" class="ft23"><SPAN class="ft24">1.</SPAN><SPAN style="font: 13px 'Arial';margin-left: 3px;line-height: 14px;">betalaren uttryckligen har godkänt att en sådan begäran görs, och</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft3"><SPAN class="ft5">2.</SPAN><SPAN class="ft32">betalaren har initierat betalningstransaktionen genom att använda ett kortbaserat betalningsinstrument som getts ut av betaltjänst- leverantören.</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 12px;margin-bottom: 0px;" class="ft3">Betaltjänstleverantören får inte lagra eller använda det svar som den kontoförvaltande betaltjänstleverantören lämnar för andra syften än för att genomföra transaktionen.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 9px;margin-bottom: 0px;" class="ft3">25 §</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 1px;margin-bottom: 0px;" class="ft64">Den betaltjänstleverantör som enligt 24 § begär ett besked ska tillämpa säker kommunikation och innan beskedet begärs autentisera sig gentemot den kontoförvaltande betaltjänstleverantören.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 11px;margin-bottom: 0px;" class="ft3">26 §</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 0px;margin-bottom: 0px;" class="ft5">Bestämmelserna i <NOBR>23–25</NOBR> §§ gäller inte för betalningstransaktioner som initieras genom kortbaserade betalningsinstrument där det lagras elektroniska pengar, definierade i 1 kap. 2 § 2 lagen (2011:755) om elektroniska pengar.</P>
<P class="p260 ft3">5 kap. 27 §</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 15px;margin-bottom: 0px;" class="ft124">För att uttrycka att ett visst handlande ska ske så snabbt som möjligt används i det remitterade förslaget ”utan onödigt dröjsmål” och ”utan dröjsmål” (se 5 kap. 27, 48, 54 och 60 §§, 5 a kap. 3 och 4 §§ samt 8 kap.</P>
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<P class="p758 ft3">5, 13 och 21 §§). Enligt Lagrådets mening bör de olika uttryckssätten genomgående ersättas med ”så snart det kan ske”. I 5 kap. 27 § bör, förutom den nu föreslagna ändringen, även en justering i första stycket göras för att det klarare ska framgå vad som får reserveras. Paragrafen får då följande lydelse.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 5px;margin-bottom: 0px;" class="ft70">Om en kortbaserad betalningstransaktion initieras av eller via betal- ningsmottagaren och det exakta beloppet inte är känt vid tidpunkten för betalarens godkännande av genomförandet av transaktionen, får betalarens betaltjänstleverantör reservera medel på betalarens betal- konto endast för täckning av transaktionen och om betalaren har godkänt det exakta belopp som reservationen avser.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 13px;margin-bottom: 0px;" class="ft3">Betalarens betaltjänstleverantör ska frigöra de medel som har reserverats på betalarens betalkonto så snart det kan ske efter att ha tagit emot information om betalningstransaktionens exakta belopp eller efter att ha tagit emot betalningsordern.</P>
<P class="p270 ft3">5 kap. 33 §</P>
<P style="text-align: left;padding-right: 12px;margin-top: 15px;margin-bottom: 0px;" class="ft59">Sista meningen i paragrafen bör tydligare ge uttryck för att det är betalaren som initierar betalningsordern och formuleras enligt följande.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 5px;margin-bottom: 0px;" class="ft3">Detta gäller även om betalaren initierat betalningsordern via en leverantör av betalningsinitieringstjänster.</P>
<P class="p317 ft3">5 kap. 37 §</P>
<P class="p279 ft3">Lagrådet föreslår att paragrafens första stycke utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 8px;margin-bottom: 0px;" class="ft70">Efter de tidpunkter som anges i 35 och 36 §§ får betalningsordern återkallas endast om detta har avtalats mellan betaltjänstanvändaren och berörd betaltjänstleverantör. För att återkallelse efter de tidpunkter som anges i 36 § första och andra styckena ska få ske i fråga om en betalningstransaktion som har initierats av betalningsmottagaren, krävs att även betalningsmottagaren godkänner återkallelsen.</P>
<P class="p260 ft3">5 kap. 42 och 43 §§</P>
<P style="text-align: left;padding-right: 13px;margin-top: 15px;margin-bottom: 0px;" class="ft3">Paragraferna bör med några redaktionella ändringar formuleras enligt följande.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 4px;margin-bottom: 0px;" class="ft3">42 §</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 1px;margin-bottom: 0px;" class="ft3">Betalningsmottagarens betaltjänstleverantör ska valutera betalnings- transaktionens belopp och göra det tillgängligt på mottagarens betalkonto.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 12px;margin-bottom: 0px;" class="ft64">Valuteringsdagen för kreditering av betalningsmottagarens betalkonto ska bestämmas till senast den bankdag då betalningstransaktionens belopp krediteras mottagarens betaltjänstleverantörs konto.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 11px;margin-bottom: 0px;" class="ft64">Betalningsmottagarens betaltjänstleverantör ska säkerställa att betal- ningstransaktionens belopp ställs till mottagarens förfogande så snart som möjligt efter det att beloppet krediteras mottagarens leverantörs</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">669</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_670" style="position:relative; overflow: hidden;margin: 46px 0px 81px 36px;padding: 0px;border: none;width: 588px;">
<TABLE cellpadding=0 cellspacing=0 class="t85">
<TR>
<TD class="tr22 td28"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p967 ft7">konto. Detta gäller även betalningar inom en och samma betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr20 td28"><P class="p3 ft3">Bilaga 6</P></TD>
<TD class="tr20 td93"><P class="p967 ft3">leverantör.</P></TD>
</TR>
<TR>
<TD class="tr29 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td93"><P class="p967 ft3">Valuteringsdagen för debitering av betalarens betalkonto ska</P></TD>
</TR>
<TR>
<TD class="tr21 td28"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft7">bestämmas till tidigast den dag då betalningstransaktionens belopp</P></TD>
</TR>
<TR>
<TD class="tr28 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">debiteras detta betalkonto.</P></TD>
</TR>
<TR>
<TD class="tr27 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p967 ft3">43 §</P></TD>
</TR>
<TR>
<TD class="tr21 td28"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft7">Om betalningsmottagaren inte har något betalkonto hos betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft6">leverantören som tar emot medlen, ska leverantören göra dem</P></TD>
</TR>
<TR>
<TD class="tr28 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft5">tillgängliga för mottagaren inom den tid som anges i 40 och 41 §§.</P></TD>
</TR>
<TR>
<TD class="tr31 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td93"><P class="p3 ft3">5 kap. 45 §</P></TD>
</TR>
<TR>
<TD class="tr27 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p3 ft5">Paragrafen behandlar parternas ansvar när en betalningsorder lämnas</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">med användning eller uppgivande av en unik identifikationskod.</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p31 ft5">Artikel 88 i direktivet får förstås så att den reglerar bara betaltjänst-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">användarens relation till sin betaltjänstleverantör. Detta bör framgå av</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft6">lagtexten.</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p31 ft5">Lagrådet föreslår att paragrafens första och fjärde stycken, i förtyd-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">ligande syfte, ges följande lydelse, som ligger närmare ordalydelsen i</P></TD>
</TR>
<TR>
<TD class="tr20 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft3">direktivet.</P></TD>
</TR>
<TR>
<TD class="tr2 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td93"><P class="p967 ft7">Om en betalningsorder lämnas med hjälp av en unik identifikations-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft7">kod, ska betalarens betaltjänstleverantör anses ha utfört betalnings-</P></TD>
</TR>
<TR>
<TD class="tr21 td28"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft24">ordern korrekt såvitt avser den betalningsmottagare som angetts i</P></TD>
</TR>
<TR>
<TD class="tr28 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">identifikationskoden.</P></TD>
</TR>
<TR>
<TD class="tr29 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td93"><P class="p967 ft7">Om det inte är möjligt att få tillbaka de medel som betalningstrans-</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft7">aktionen avsåg trots att betalarens betaltjänstleverantör har vidtagit</P></TD>
</TR>
<TR>
<TD class="tr21 td28"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft7">skäliga åtgärder enligt tredje stycket, ska betaltjänstleverantören på</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft5">skriftlig begäran ge betalaren all tillgänglig information som denne</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft5">behöver för att kunna inleda ett rättsligt förfarande för att få tillbaka</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p967 ft3">medlen.</P></TD>
</TR>
<TR>
<TD class="tr25 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr25 td93"><P class="p3 ft3">5 kap. 49 §</P></TD>
</TR>
<TR>
<TD class="tr27 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p3 ft5">I paragrafen bör komma till tydligt uttryck att betaltjänstleverantören är</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft5">skyldig att försöka spåra transaktionen även om denne inte är ansvarig</P></TD>
</TR>
<TR>
<TD class="tr15 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p3 ft3">för att transaktionen genomförts felaktigt. Lagrådet föreslår att</P></TD>
</TR>
<TR>
<TD class="tr20 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft3">paragrafen formuleras enligt följande.</P></TD>
</TR>
<TR>
<TD class="tr2 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td93"><P class="p967 ft7">Om en betalningstransaktion som initierats av betalaren inte genomförs</P></TD>
</TR>
<TR>
<TD class="tr21 td28"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft7">eller genomförs bristfälligt, ska betalarens betaltjänstleverantör, oavsett</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft7">dennes ansvar för det inträffade, på begäran av betalaren så snart som</P></TD>
</TR>
<TR>
<TD class="tr21 td28"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft24">möjligt försöka spåra den initierade betalningstransaktionen och</P></TD>
</TR>
<TR>
<TD class="tr16 td28"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft6">underrätta betalaren om resultatet. Detta ska vara avgiftsfritt för</P></TD>
</TR>
<TR>
<TD class="tr28 td28"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">betalaren.</P></TD>
</TR>
</TABLE>
<P style="text-align: left;margin-top: 57px;margin-bottom: 0px;" class="ft3">670</P>
</DIV>
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<DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P class="p15 ft3">5 kap. 41 och 50 §§</P>
<P style="text-align: justify;padding-right: 12px;margin-top: 12px;margin-bottom: 0px;" class="ft5">I 50 § ges regler som har koppling till betalningstransaktioner som har initierats av eller via betalningsmottagaren. Paragrafen har samband med 41 § (nuvarande 19 §), som reglerar vissa tidsfrister i samband med transaktioner som initierats av eller via betalningsmottagaren. Den avser att genomföra artikel 83.3 i direktivet (jfr artikel 69.3 i första direktivet). Regleringen torde terminologiskt kunna förbättras.</P>
<P class="p1111 ft3">Lagrådet föreslår att paragraferna utformas enligt följande.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 6px;margin-bottom: 0px;" class="ft3">41 § (nuvarande 19 §)</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 1px;margin-bottom: 0px;" class="ft3">En betalningstransaktion enligt en betalningsorder som har initierats av eller via en betalningsmottagare ska slutföras inom de tidsfrister som har överenskommits mellan betalningsmottagaren och dennes betal- tjänstleverantör.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 10px;margin-bottom: 0px;" class="ft3">För autogiro gäller att en betalningsorder ska lämnas i sådan tid att betalningstransaktionen kan slutföras på den överenskomna förfallo- dagen.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 9px;margin-bottom: 0px;" class="ft3">50 §</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft6">Betalningsmottagarens betaltjänstleverantör ansvarar gentemot mot- tagaren för att betalningstransaktionens belopp ställs till mottagarens förfogande enligt 42 § och för att en betalningsorder som initierats av eller via mottagaren överförs korrekt till betalarens betaltjänst- leverantör så att betalningstransaktionen kan slutföras i enlighet med 41 §.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 14px;margin-bottom: 0px;" class="ft70">Om betalningsmottagarens betaltjänstleverantör har försökt att över- föra en betalningsorder i enlighet med första stycket men misslyckats, ska mottagarens leverantör så snart som möjligt överföra den berörda betalningsordern på nytt till betalarens betaltjänstleverantör.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 15px;margin-bottom: 0px;" class="ft70">Om betalningsmottagarens betaltjänstleverantör inte har överfört en betalningsorder enligt första stycket, ska betalningstransaktionens belopp valuteras på mottagarens betalkonto senast den dag då beloppet skulle ha valuterats om betalningsordern hade överförts korrekt.</P>
<P class="p771 ft3">5 kap. 51 §</P>
<P style="text-align: justify;padding-right: 12px;margin-top: 14px;margin-bottom: 0px;" class="ft5">Paragrafen reglerar betalningsmottagarens betaltjänstleverantörs ansvar gentemot betalaren vid betalningstransaktioner som har initierats av eller via denne men genomförts bristfälligt. Artikel 89.2 i direktivet uppställer inte något krav på att betalarens betaltjänstleverantör styrker att betalningsmottagarens betaltjänstleverantör har tagit emot beloppet för att undgå ansvar för att betala tillbaka beloppet eller återställa betalkontots ställning. Tredje stycket i paragrafen bör därför justeras för att stå i överensstämmelse med direktivet. Efter även några redaktionella ändringar bör andra och tredje styckena i paragrafen utformas enligt följande.</P>
<P style="text-align: left;padding-left: 30px;padding-right: 12px;margin-top: 12px;margin-bottom: 0px;" class="ft64">En betalares betaltjänstleverantör som är ansvarig enligt första stycket ska betala tillbaka betalningstransaktionens belopp till betalaren eller</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">671</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_672" style="position:relative; overflow: hidden;margin: 48px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">672</P>
</DIV>
<DIV style="float:left;border:none;margin: 4px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P style="text-align: justify;padding-left: 31px;padding-right: 64px;margin-top: 0px;margin-bottom: 0px;" class="ft70">återställa det debiterade betalkontot till den ställning som kontot skulle ha haft om den bristfälligt genomförda transaktionen inte hade ägt rum. Valuteringsdagen för kreditering av betalarens betalkonto ska bestäm- mas till senast den dag då beloppet debiterades kontot.</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 14px;margin-bottom: 0px;" class="ft70">Andra stycket gäller inte om en betalningstransaktion inte genomförs i enlighet med 40 § men betalarens betaltjänstleverantör kan visa att betalningsmottagarens betaltjänstleverantör ändå har tagit emot beloppet. Betalningsmottagarens betaltjänstleverantör ska då valutera beloppet på betalningsmottagarens betalkonto senast den dag då beloppet skulle ha valuterats om transaktionen hade genomförts korrekt.</P>
<P class="p1075 ft3">5 kap. 52 §</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 15px;margin-bottom: 0px;" class="ft40">Paragrafen bör, i likhet med 5 kap. 49 §, formuleras så att det kommer till tydligt uttryck att mottagarens betaltjänstleverantör är skyldig att försöka spåra transaktionen även om denne inte är ansvarig för att transaktionen genomförts bristfälligt. Paragrafen kan lämpligen ges följande lydelse.</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 5px;margin-bottom: 0px;" class="ft70">Om en betalningstransaktion som initierats av eller via betalningsmot- tagaren inte genomförs eller genomförs bristfälligt, ska mottagarens betaltjänstleverantör, oavsett dennes ansvar för det inträffade, på begäran av mottagaren så snart som möjligt försöka spåra den initierade betalningstransaktionen och underrätta mottagaren om resultatet. Detta ska vara avgiftsfritt för mottagaren.</P>
<P class="p260 ft3">5 kap. <NOBR>55–61</NOBR> §§</P>
<P style="text-align: justify;padding-right: 68px;margin-top: 13px;margin-bottom: 0px;" class="ft3">Paragraferna reglerar ansvaret vid en obehörig användning av ett betalningsinstrument. Lagrådet lämnar i inledningen till yttrandet vissa allmänna synpunkter på regleringen, främst vad gäller placeringen och det begränsade tillämpningsområdet.</P>
<P class="p463 ft70">En betaltjänstanvändare ansvarar i princip för alla de transaktioner med betalningsinstrumentet som är behöriga, dvs. genomförs med erforderligt samtycke. Som utgångspunkt ansvarar användaren däremot inte för obehöriga transaktioner. Av allmänna fordringsrättsliga principer följer att en betaltjänstanvändare inte är betalningsansvarig för en fordran som uppkommit genom att någon obehörigen har använt hans eller hennes betalningsinstrument. Paragraferna reglerar när betaltjänstanvändaren – trots denna utgångspunkt – helt eller delvis själv får bära ansvaret för de obehöriga transaktionerna. Enligt praxis i underrätter och Allmänna reklamationsnämnden har betaltjänstanvändaren bevisbördan för att transaktionerna är obehöriga men det krävs inte mer än att det kan antas att så är fallet (jfr även artikel 72 i direktivet om leverantörens bevis- börda för vissa främst tekniska förhållanden).</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 19px;margin-bottom: 0px;text-indent: 11px;" class="ft64">På motsvarande sätt som enligt 2010 års lag om obehöriga transaktioner med betalningsinstrument finns det en reglering om självrisk och, i konsumentförhållande, ett ansvarstak vid grov oaktsam- het. Självrisken föreslås sänkt från 1 200 kr till 400 kr. Ansvarstaket ska vara oförändrat 12 000 kr. Liksom enligt 2010 års lag gäller självrisken och ansvarstaket för alla de föranledda obehöriga transaktionerna; har det</P>
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</DIV>
<DIV id="page_673" style="position:relative; overflow: hidden;margin: 49px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
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<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 394px;overflow: hidden;">
<P class="p53 ft5">skett flera obehöriga transaktioner av en eller flera personer och överstiger transaktionerna 400 kr resp. 12 000 kr ansvarar betaltjänst- användaren ändå inte för mer än det beloppet. En betydelsefull förändring är att betaltjänstanvändaren inte ska stå för något belopp om betaltjänstleverantören har underlåtit att kräva stark kundautentisering.</P>
<P class="p604 ft6">I de föreslagna paragraferna används ”betalaren” för att identifiera den som ska ansvara för transaktionen. Begreppet betalare passar dock inte i sammanhanget, framför allt med hänsyn till den definition av ”betalare” som finns i 1 kap. 4 § och som bygger på att det rör sig om en godkänd transaktion. I stället bör – liksom i 2010 års lag – begreppet kontohavare användas, vilket också stämmer bättre överens med innebörden av ett betalningsinstrument.</P>
<P class="p730 ft64">I 55 § finns regler om betaltjänstleverantörens skyldigheter vid obehöriga transaktioner. Enligt 55 § första stycket är leverantören skyldig att i princip på en gång återställa kontot till den ställning det skulle ha haft om transaktionerna inte hade gjorts. I sak torde regleringen inte innebära någon större förändring i förhållande till 2010 års lag. Också enligt den lagen är leverantören skyldig att återställa kontot. Av viss betydelse, bl.a. i räntehänseende, är däremot det undantag från den omedelbara återställandeskyldigheten som finns i 55 § andra stycket och som ger betaltjänstleverantören skälig tid att undersöka transaktionen. I remissens förslag gäller undersökningstiden bara när det finns anledning att misstänka att kontohavaren genom svikligt handlande har bidragit till transaktionen. Betaltjänstdirektivet bör emellertid förstås så att tiden ska gälla i alla de situationer där det finns anledning att misstänka att de aktuella transaktionerna i själva verket är behöriga.</P>
<P class="p605 ft5">Bestämmelserna om självrisk finns i 56 §. Regleringen har här fått en komplicerad och delvis ohanterlig utformning. Enligt paragrafen ”får” betaltjänstleverantören kräva ut en självrisk. Vid föredragningen har upplysts att tanken är att betaltjänstleverantören inte ska vara skyldig att kräva självrisken. Det avgörande för civilrättslig lagstiftning måste emellertid vara om någon i lagen har fått en rättighet eller inte; det är självklart att den som fått rättigheten själv får bestämma om den ska utnyttjas i det enskilda fallet. Enligt paragrafen ska vidare självrisken kunna utgå om betalningsinstrumentet ”kommit bort eller obehörigen använts”. Men enbart det förhållandet att betalningsinstrumentet har kommit bort kan inte medföra någon självrisk; en förutsättning måste ju alltid vara att det verkligen också har gjorts en obehörig transaktion med instrumentet. De undantag som föreskrivs i andra stycket från självrisken blir därmed också svåra att förstå och tillämpa, särskilt med beaktande av den skyldighet som enligt 60 § alltid åvilar kontohavaren att underrätta betaltjänstleverantören om obehöriga transaktioner. Inte heller hanterar regleringen en del situationer där en självrisk rimligen inte ska utgå, t.ex. vid s.k. skimning och i fall där kontohavaren tvingats lämna ifrån sig sitt kort och sin kod.</P>
<P class="p825 ft64">Lagrådet konstaterar att reglerna i första och andra betaltjänst- direktiven i grunden inte skiljer sig åt och ger ett inte obetydligt utrymme vid genomförandet (jfr i fråga om första direktivet prop. 2009/10:122 s. 15 f.). Den bakomliggande tanken i direktiven är att kontohavaren ska stå för självrisken för en obehörig transaktion när han eller hon kan lastas för</P>
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<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p1112 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">673</P>
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</DIV>
</DIV>
<DIV id="page_674" style="position:relative; overflow: hidden;margin: 48px 0px 75px 0px;padding: 0px;border: none;width: 624px;">
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<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 162px;overflow: hidden;">
<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">674</P>
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<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 462px;overflow: hidden;">
<P class="p460 ft3">transaktionen på något sätt – eller med andra ord om kontohavaren har underlåtit att skydda den personliga behörighetsfunktionen.</P>
<P class="p213 ft3">Enligt Lagrådets mening bör bestämmelsen utformas i närmare anslutning till vad som gäller enligt 2010 års lag.</P>
<P class="p463 ft5">Regleringen i 59 § är avsedd för fall där stark kundautentisering inte har använts. Stark kundautentisering är definierad i 1 kap. 4 §. Om betaltjänstleverantören inte har krävt stark kundautentisering, ska kontohavaren enligt första stycket inte behöva stå för någon självrisk eller något belopp ens om han eller hon handlat särskilt klandervärt. Regleringen får anses gå ganska långt i konsumentskyddet, men den följer av direktivets krav. Betaltjänstleverantören ska i princip få stå hela risken för att systemet inte är tillräckligt säkert. Betaltjänstleverantörens risk mildras dock i viss mån av paragrafens andra stycke. Detta gäller inte förhållandet mellan kontohavaren och betaltjänstleverantören utan mellan å ena sidan denna betaltjänstleverantör och å andra sidan betalningsmottagaren eller mottagarens betaltjänstleverantör. Med bestämmelsen där vill man uppnå att betaltjänstleverantören kan föra kostnaderna för de obehöriga transaktionerna vidare till andra inblandade aktörer. Enligt Lagrådets mening är det tveksamt om den föreslagna regleringen täcker alla de situationer som kan uppstå där leverantören inte bör stå den slutliga kostnaden. Den närmare utformningen av andra stycket bör övervägas ytterligare.</P>
<P style="text-align: left;padding-left: 12px;margin-top: 5px;margin-bottom: 0px;" class="ft3">Lagrådet föreslår att bestämmelserna utformas enlig följande.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 7px;margin-bottom: 0px;" class="ft42">Obehöriga transaktioner</P>
<P style="text-align: left;padding-left: 31px;margin-top: 7px;margin-bottom: 0px;" class="ft4">Betaltjänstleverantörens skyldighet att återställa kontot</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 8px;margin-bottom: 0px;" class="ft70">(§) Har det genomförts en obehörig transaktion från en kontohavares konto, ska kontohavarens betaltjänstleverantör återställa kontot till den ställning som det skulle ha haft om transaktionen inte hade genomförts, om inte annat följer av <NOBR>(56–60</NOBR> §§). Återställandet ska ske omedelbart och senast i slutet av den bankdag som inträffar efter det att betal- tjänstleverantören har fått kännedom om transaktionen. Om det finns anledning att misstänka att transaktionen är behörig, har betaltjänst- leverantören dock rätt till en skälig tid för att undersöka saken. Valuteringsdagen ska bestämmas till senast den dag då beloppet debiterades.</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 26px;margin-bottom: 0px;" class="ft3">Om kontot inte återställs omedelbart eller senast i slutet av den bankdag som inträffar efter det att betaltjänstleverantören har fått kännedom om transaktionen, ska leverantören skriftligen underrätta Finansinspektionen om anledningen.</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 11px;margin-bottom: 0px;" class="ft3">Den kontoförvaltande betaltjänstleverantören ska återställa kontot, även om den obehöriga transaktionen har initierats av en leverantör av betalningsinitieringstjänster.</P>
<P style="text-align: left;padding-left: 31px;margin-top: 11px;margin-bottom: 0px;" class="ft4">Kontohavarens ansvar</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 69px;margin-top: 8px;margin-bottom: 0px;" class="ft3">(§) Om obehöriga transaktioner från en kontohavares konto har kunnat genomföras till följd av att kontohavaren har underlåtit att skydda sin personliga behörighetsfunktion, ansvarar kontohavaren för beloppet, dock högst 400 kr.</P>
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</DIV>
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<DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;" class="ft64">(§) Om obehöriga transaktioner från en kontohavares konto har kunnat genomföras till följd av att en skyldighet enligt (6 §) åsidosatts genom grov oaktsamhet, ansvarar kontohavaren för hela beloppet.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 12px;margin-bottom: 0px;" class="ft5">Är kontohavaren konsument, är ansvaret enligt första stycket begränsat till högst 12 000 kr. Har kontohavaren handlat särskilt klandervärt, ansvarar han eller hon dock för hela beloppet.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 14px;margin-bottom: 0px;" class="ft70">(§) Oavsett vad som anges i (56 och 57 §§), ansvarar kontohavaren inte för något belopp som har belastat kontot efter det att kontohavaren har anmält till betaltjänstleverantören att betalningsinstrumentet ska spärras. Detta gäller dock inte om kontohavaren genom svikligt förfarande har orsakat eller bidragit till de obehöriga transaktionerna.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 14px;margin-bottom: 0px;" class="ft4">När stark kundautentisering inte har använts</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 8px;margin-bottom: 0px;" class="ft70">(§) Om kontohavarens betaltjänstleverantör inte har använt stark kundautentisering när kontohavaren initierat en elektronisk betalnings- transaktion, ansvarar betaltjänstleverantören för hela beloppet för de obehöriga transaktionerna, oavsett vad som anges i (56 och 57 §§). Detta gäller dock inte om kontohavaren genom svikligt förfarande har orsakat eller bidragit till de obehöriga transaktionerna.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 13px;margin-bottom: 0px;" class="ft3">Andra styckets utformning bör övervägas ytterligare.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 15px;margin-bottom: 0px;" class="ft4">Kontohavarens ansvar att underrätta betaltjänstleverantören</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 7px;margin-bottom: 0px;" class="ft70">(§) Om kontohavaren inte underrättar betaltjänstleverantören så snart det kan ske efter att ha fått vetskap om de obehöriga transaktionerna, ansvarar kontohavaren för hela beloppet. Detsamma gäller om betaltjänstleverantören har lämnat information om transaktionerna till kontohavaren och denne inte underrättar leverantören inom tretton månader från det att beloppen belastade kontot.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 14px;margin-bottom: 0px;" class="ft64">Underrättelse enligt första stycket ska göras till den kontoförvaltande betaltjänstleverantören, även om den obehöriga transaktionen har initierats av en leverantör av betalningsinitieringstjänster.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 11px;margin-bottom: 0px;" class="ft4">Kontohavarens ansvar för annans handlande</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 8px;margin-bottom: 0px;" class="ft3">(§) Om även någon annan än kontohavaren är behörig enligt konto- avtalet att använda ett betalningsinstrument, ska, vid bedömningen enligt <NOBR>(55–60</NOBR> §§) av om kontohavaren ansvarar för något belopp, den andra personens handlande räknas som om kontohavaren själv hade handlat.</P>
<P class="p263 ft3">5 kap. 62 §</P>
<P style="text-align: left;padding-right: 13px;margin-top: 14px;margin-bottom: 0px;" class="ft3">Lagrådet föreslår att paragrafen utformas närmare 63 §, dvs. enligt följande.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 7px;margin-bottom: 0px;" class="ft64">Om en betaltjänstleverantör eller mellanhand som inte är ansvarig mot betaltjänstanvändaren enligt <NOBR>47–53</NOBR> §§ eller <NOBR>(55–59</NOBR> §§) har orsakat att en betalningstransaktion inte genomförts eller genomförts bristfälligt</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">675</P>
</DIV>
</DIV>
</DIV>
<DIV id="page_676" style="position:relative; overflow: hidden;margin: 46px 0px 79px 36px;padding: 0px;border: none;width: 520px;">
<TABLE cellpadding=0 cellspacing=0 class="t63">
<TR>
<TD class="tr22 td64"><P class="p36 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr22 td93"><P class="p967 ft7">eller att en obehörig betalningstransaktion genomförts, ska leveran-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p36 ft6">Bilaga 6</P></TD>
<TD class="tr16 td93"><P class="p967 ft5">tören eller mellanhanden ersätta den betaltjänstleverantör som är</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft7">ansvarig mot betaltjänstanvändaren för de förluster, inbegripet belopp</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft7">som betalats till betaltjänstanvändaren, som uppkommit hos denna</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">betaltjänstleverantör enligt <NOBR>47–53</NOBR> §§ och <NOBR>(55–59</NOBR> §§).</P></TD>
</TR>
<TR>
<TD class="tr31 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td93"><P class="p3 ft3">5 kap. 66 §</P></TD>
</TR>
<TR>
<TD class="tr31 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td93"><P class="p3 ft5">Lagrådet föreslår att paragrafen ges ett delvis annat innehåll. Förslaget</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">och skälen för det har behandlats i det föregående (se under Allmänt om</P></TD>
</TR>
<TR>
<TD class="tr20 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft3">lagens tvingande karaktär).</P></TD>
</TR>
<TR>
<TD class="tr27 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p3 ft3">5 a kap. <NOBR>2–6</NOBR> §§</P></TD>
</TR>
<TR>
<TD class="tr31 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr31 td93"><P class="p3 ft3">Vissa redaktionella ändringar bör göras i paragraferna, vilket medför</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p3 ft7">ändringar i paragrafbeteckningarna. Lagrådet föreslår att de ges följande</P></TD>
</TR>
<TR>
<TD class="tr20 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr20 td93"><P class="p3 ft3">lydelse.</P></TD>
</TR>
<TR>
<TD class="tr2 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr2 td93"><P class="p967 ft3">2 §</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft7">En betaltjänstleverantör ska till Finansinspektionen rapportera vilka</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft24">operativa risker och säkerhetsrisker som är förknippade med de</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft7">betaltjänster som leverantören tillhandahåller och vilka åtgärder som</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">har vidtagits för att hantera dessa risker.</P></TD>
</TR>
<TR>
<TD class="tr29 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td93"><P class="p967 ft7">Betaltjänstleverantören ska till Finansinspektionen lämna statistiska</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft5">uppgifter om svikliga förfaranden som har ägt rum i samband med</P></TD>
</TR>
<TR>
<TD class="tr15 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td93"><P class="p967 ft3">användningen av leverantörens betaltjänster.</P></TD>
</TR>
<TR>
<TD class="tr27 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p967 ft3">3 §</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft7">En betaltjänstleverantör ska så snart det kan ske underrätta Finans-</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft7">inspektionen om en allvarlig operativ incident eller säkerhetsincident</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft7">som uppkommit i verksamheten. Finansinspektionen ska informera</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft7">Riksbanken, andra berörda svenska myndigheter, Europeiska bank-</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">myndigheten och Europeiska centralbanken.</P></TD>
</TR>
<TR>
<TD class="tr29 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td93"><P class="p967 ft5">Om incidenten påverkar eller kan påverka betaltjänstanvändarnas</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft7">ekonomiska intressen, ska betaltjänstleverantören så snart det kan ske</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft24">informera användarna om incidenten och om de åtgärder som kan</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">vidtas för att begränsa risken för skada.</P></TD>
</TR>
<TR>
<TD class="tr27 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr27 td93"><P class="p967 ft4">Stark kundautentisering</P></TD>
</TR>
<TR>
<TD class="tr19 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td93"><P class="p967 ft3">4 §</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P class="p967 ft24">En betaltjänstleverantör ska tillämpa stark kundautentisering när</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P class="p967 ft6">betalaren</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P style="text-align: left;padding-left: 34px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">1. loggar in på sitt betalkonto online,</P></TD>
</TR>
<TR>
<TD class="tr21 td64"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td93"><P style="text-align: left;padding-left: 34px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft23">2. initierar en elektronisk betalningstransaktion, eller</P></TD>
</TR>
<TR>
<TD class="tr16 td64"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td93"><P style="text-align: left;padding-left: 34px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">3. genomför någon åtgärd på distans som kan innebära en risk för</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft3">svikligt förfarande eller andra former av missbruk.</P></TD>
</TR>
<TR>
<TD class="tr29 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr29 td93"><P class="p967 ft5">För elektroniska betalningstransaktioner på distans enligt första</P></TD>
</TR>
<TR>
<TD class="tr28 td64"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td93"><P class="p967 ft7">stycket 2 ska betaltjänstleverantören tillämpa stark kundautentisering</P></TD>
</TR>
<TR>
<TD class="tr24 td64"><P class="p495 ft7">676</P></TD>
<TD class="tr24 td93"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_677" style="position:relative; overflow: hidden;margin: 49px 0px 80px 68px;padding: 0px;border: none;width: 556px;">
<DIV>
<DIV style="float:left;border:none;margin: 2px 0px 0px 0px;padding: 0px;border:none;width: 406px;overflow: hidden;">
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 0px;margin-bottom: 0px;" class="ft3">som kopplar transaktionen till ett specifikt belopp och en specifik betalningsmottagare.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 13px;margin-bottom: 0px;" class="ft64">När stark kundautentisering tillämpas ska betaltjänstleverantören vidta särskilda åtgärder för att skydda betaltjänstanvändarens personliga behörighetsfunktioner mot obehörig åtkomst och förvanskning.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 12px;margin-bottom: 0px;" class="ft3">Första och andra styckena gäller inte om annat följer av tekniska standarder som antagits av Europeiska kommissionen i enlighet med artikel 98 i betaltjänstdirektivet.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 11px;margin-bottom: 0px;" class="ft3">5 §</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 6px;margin-bottom: 0px;" class="ft6">En kontoförvaltande betaltjänstleverantör som tillhandahåller betaltjänstanvändaren ett betalkonto som är tillgängligt online ska göra det möjligt för leverantörer av betalningsinitieringstjänster och kontoinformationstjänster att förlita sig på den autentisering som den kontoförvaltande betaltjänstleverantören tillhandahåller betaltjänst- användaren.</P>
<P class="p771 ft3">7 kap. 4 och 5 §</P>
<P style="text-align: left;padding-right: 13px;margin-top: 15px;margin-bottom: 0px;" class="ft3">Lagrådet föreslår att paragraferna, och rubriken till kapitlet, utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 7px;margin-bottom: 0px;" class="ft3">7 kap. Betaltjänstleverantörers tillträde till betalningssystem och tillgång till betalkontotjänster</P>
<P style="text-align: left;padding-left: 30px;margin-top: 11px;margin-bottom: 0px;" class="ft3">4 §</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;" class="ft5">Om en deltagare i ett betalningssystem enligt lagen (1999:1309) om system för avveckling av förpliktelser på finansmarknaden tillåter en betaltjänstleverantör som inte är deltagare i systemet att sända över- föringsorder genom systemet, ska deltagaren på ett objektivt, icke- diskriminerande och proportionellt sätt ge även andra betaltjänst- leverantörer som begär det motsvarande möjlighet. För sådant indirekt tillträde gäller vad som anges i 1 §.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 13px;margin-bottom: 0px;" class="ft3">Om en deltagare nekar sådant tillträde till betalningssystem som avses i första stycket, ska deltagaren ge betaltjänstleverantören skälen för detta.</P>
<P style="text-align: left;padding-left: 30px;margin-top: 10px;margin-bottom: 0px;" class="ft3">5 §</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 12px;margin-top: 1px;margin-bottom: 0px;" class="ft5">Ett kreditinstitut ska på objektiva, <NOBR>icke-diskriminerande</NOBR> och proportio- nella grunder ge betaltjänstleverantörer som begär det tillgång till kreditinstitutets betalkontotjänster. Sådan tillgång ska ges i den omfattning som krävs för att betaltjänstleverantörer obehindrat och effektivt ska kunna tillhandahålla sina betaltjänster.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 14px;margin-bottom: 0px;" class="ft3">Om ett kreditinstitut nekar tillgång till institutets betalkontotjänster, ska institutet meddela Finansinspektionen och ange skälen för den nekade tillgången.</P>
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<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">677</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">678</P>
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<P class="p15 ft3">8 kap. 4 §</P>
<P class="p771 ft3">Lagrådet föreslår att paragrafens första stycke utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 31px;padding-right: 63px;margin-top: 8px;margin-bottom: 0px;" class="ft5">Finansinspektionen ska i sin tillsynsverksamhet, i den utsträckning som följer av betalkontodirektivet och betaltjänstdirektivet, samarbeta och utbyta information med motsvarande behöriga myndigheter inom EES. Samarbete och informationsutbyte ska ske även med Europeiska centralbanken, nationella centralbanker, Europeiska kommissionen, Europeiska bankmyndigheten och andra behöriga myndigheter som utsetts i enlighet med unionsrätt som är tillämplig på betaltjänst- leverantörer.</P>
<P class="p317 ft3">8 kap. 5 §</P>
<P style="text-align: left;padding-right: 68px;margin-top: 15px;margin-bottom: 0px;" class="ft3">Lagrådet föreslår att punkterna 3 och 4 i paragrafens första stycke utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 40px;margin-top: 5px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">3.</SPAN><SPAN class="ft32">tillstånd som har återkallats,</SPAN></P>
<P style="text-align: justify;padding-left: 31px;padding-right: 68px;margin-top: 0px;margin-bottom: 0px;text-indent: 9px;" class="ft3"><SPAN class="ft5">4.</SPAN><SPAN class="ft48">vilka registrerade betaltjänstleverantörer som inte längre uppfyller villkoren för registrering enligt 2 kap. 3 §.</SPAN></P>
<P class="p260 ft3">I tredje stycket bör ”utan dröjsmål” ändras till ”så snart det kan ske”.</P>
<P class="p794 ft42">Ikraftträdande- och övergångsbestämmelserna</P>
<P class="p755 ft3">Enligt punkten 1 ska lagen träda i kraft den 1 maj 2018, med undantag för de paragrafer som är beroende av att vissa tekniska standarder beslutas av Europeiska kommissionen och som därför ska träda i kraft den dag regeringen bestämmer.</P>
<P class="p213 ft6">Avsikten torde vara att de undantagna paragraferna inte ska träda i kraft före den 1 maj 2018; deras tillämplighet hänger samman med lagen i övrigt. Bemyndigandet till regeringen får förstås på detta sätt.</P>
<P class="p213 ft6">I punkten 3 finns en övergångsreglering i fråga om den som vid ikraftträdandet har tillstånd att bedriva verksamhet som betalnings- institut. Med stöd av detta tillstånd får verksamheten bedrivas till och med den 1 september 2018 men inte därefter. Under övergångstiden ska Finansinspektionen ta upp tillståndsfrågan till förnyad prövning och besluta huruvida tillstånd ska ges utifrån den nya regleringen. Om Finansinspektionen inte inom den tiden beslutar om tillstånd, får verksamheten inte längre bedrivas. Samma ordning gäller enligt punkten 4 för registrerade betaltjänstleverantörer och enligt punkten 5 för system- operatörstjänster. Övergångstiden är då till och med den 13 januari 2019 respektive den 13 januari 2020. Förslaget går tillbaka på artikel 109 i direktivet.</P>
<P class="p616 ft70">Enligt Lagrådets mening kan det ifrågasättas om övergångsregleringen tillgodoser de hänsyn som vid lagstiftning normalt bör tas till välför- värvade rättigheter och berättigade förväntningar. Ett direktiv ska tolkas mot bakgrund av allmänt vedertagna utgångspunkter av det slaget.</P>
<P class="p616 ft124">En första fråga gäller längden på övergångstiden. Direktivet ska vara genomfört den 13 januari 2018, men lagändringarna ska träda i kraft först den 1 maj 2018. I lagrådsremissen diskuteras vilka konsekvenser denna</P>
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<P class="p729 ft6">försening bör få för övergångsregleringen, varvid slutsatsen blir att övergångstiden bör skjutas fram med ett antal månader. Vid över- vägandena beaktas bara intresset av att Finansinspektionen ska hinna ta ställning till huruvida nya tillstånd och undantag ska beviljas. Enligt Lagrådets uppfattning måste hänsyn tas också till de förväntningar som företagen har rätt till på grund av direktivet.</P>
<P class="p730 ft5">Enligt direktivtexten ska ett betalningsinstitut få fortsätta bedriva sin verksamhet med stöd av det erhållna tillståndet till och med den 13 juli 2018. En registrerad betaltjänstleverantör ska få bedriva verksamheten till och med den 13 januari 2019, en systemoperatör till och med den 13 januari 2020. Ett grundläggande syfte måste anses vara att företagen på detta sätt ska få en rimlig tid för att anpassa sig till de nya krav som följer med direktivet. Direktivet får tolkas så att längden på denna övergångstid är fastlagd i direktivet, dvs. till sex månader, tolv månader respektive 24 månader efter ikraftträdandet.</P>
<P class="p604 ft6">Det försenade genomförandet av direktivet kan inte gärna få leda till att företagen nu går miste om den övergångstid som de har rätt att förvänta sig på grund av direktivet; att staten inte har uppfyllt sitt internationella åtagande om genomförande i tid bör inte gå ut över dem. Det förhållandet att det allmänt sett kan vara angeläget att harmoniseringen uppnås så snart som möjligt föranleder ingen annan bedömning, inte heller att en del spörsmål av gränsöverskridande art kanske kan uppkomma.</P>
<P class="p603 ft3">Övergångstiden bör därmed bestämmas för betalningsinstitut till och med den 1 november 2018, för registrerade betaltjänstleverantörer till och med den 1 maj 2019 och för systemoperatörer till och med den 1 maj 2020.</P>
<P class="p145 ft70">En annan fråga gäller den närmare utformningen av övergångs- regleringen. Enligt punkterna <NOBR>3–5</NOBR> upphör ett meddelat tillstånd respektive ett beviljat undantag att gälla automatiskt om Finans- inspektionen inte beslutar om ett nytt tillstånd eller ett nytt undantag under övergångstiden. Enligt Lagrådets mening framstår denna ordning som tveksam, inte minst med beaktande av att de nya bestämmelserna ju som regel i praktiken bara innebär ganska små förändringar av de krav som ställs på verksamheterna. Tillåtligheten av den fortsatta verksamheten blir också beroende av hanteringen hos Finansinspektionen</P>
<P style="text-align: justify;margin-top: 16px;margin-bottom: 0px;" class="ft5">– och av inspektionens resurser – på ett sätt som kan föranleda invänd- ningar ur ett rättssäkerhetsperspektiv. Ett företag, som under lång tid har bedrivit verksamhet med stöd av ett tillstånd, kan tvingas upphöra med denna bara för att Finansinspektionen inte i tid beslutar om ett nytt tillstånd. Och detta gäller även i de situationer där de nya kraven inte har någon avgörande betydelse för verksamheten.</P>
<P class="p730 ft64">Det är i och för sig viktigt att lagändringarna får ett effektivt genom- slag. Enligt Lagrådets uppfattning är det samtidigt angeläget att så långt som möjligt, utan att direktivet överträds, underlätta övergången till den ändrade betaltjänstlagen för de företag som bedriver verksamhet och som har berättigade förväntningar på att kunna fortsätta med detta efter lagens ikraftträdande. I den fortsatta beredningen bör övervägas om det inte är en mera ändamålsenlig ordning att beviljade tillstånd och undantag fortsätter att gälla efter övergångstiden om inte Finansinspektionen beslutar något annat. En alternativ ordning kan alltså vara att företagen</P>
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<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p1112 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">679</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">680</P>
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<P class="p53 ft5">får fortsätta att bedriva verksamheten till dess att Finansinspektionen har prövat saken och vägrat tillstånd eller undantag. Om denna ordning väljs bör det krävas att företagen har gett in en ansökan senast vid en viss tidpunkt (jfr lagen, 2016:51, med övergångsbestämmelser till lagen, 1998:1479, om värdepapperscentraler och kontoföring av finansiella instrument). Såvitt Lagrådet kan bedöma hindrar direktivet inte en sådan övergångslösning (jfr artikel 109.2).</P>
<P class="p632 ft5">Den sistnämnda frågan aktualiseras inte lika tydligt i punkten 6, eftersom det där handlar om en verksamhet som vid ikraftträdandet inte bedrivs utifrån ett beviljat tillstånd utan blir tillståndspliktig i och med lagändringarna. Övergångstidens längd bör även för denna verksamhet bestämmas med beaktande av vad Lagrådet anför om punkterna <NOBR>3–5.</NOBR></P>
<P class="p931 ft3">Det kan noteras att övergångsregleringen i punkterna 5 och 6 omfattar endast juridiska personer. Det kan inte uteslutas att verksamhet bedrivs i annan form. Regleringen torde behöva ges en mera generell tillämp- lighet.</P>
<P class="p145 ft70">I punkten 7 finns en speciell reglering. Den är motiverad av det förhållandet att vissa paragrafer, som är beroende av tekniska standarder, enligt punkten 1 ska träda i kraft först vid ett senare tillfälle än lagen i övrigt. Med punkten 7 ska enligt remissen förhindras att en betaltjänst- leverantör missbrukar det senare ikraftträdandet. Eftersom bestämmelsen emellertid synes vara avsedd att tillämpas under lagens hela giltighetstid, passar den egentligen inte som en övergångsreglering.</P>
<P class="p765 ft76">Punkten 7 bör åtminstone omformuleras så att ett sådant syfte framgår. Ett sätt kan i så fall vara följande.</P>
<P style="text-align: justify;padding-left: 31px;margin-top: 5px;margin-bottom: 0px;" class="ft5">7. En kontoförvaltande betaltjänstleverantör, som vid ikraftträdandet enligt sina tekniska rutiner godtar viss identifikation och kommunika- tion med betalare eller med leverantörer av betalningsinitieringstjänster eller kontoinformationstjänster, får inte därefter och fram till ikraft- trädandet av 5 kap. 10, 13, 17, 19 och 25 §§ och 5 a kap. 5 § på ett otillbörligt sätt vägra sådan identifikation eller kommunikation som sker i enlighet med rutinerna.</P>
<P style="text-align: justify;padding-right: 5px;margin-top: 11px;margin-bottom: 0px;" class="ft3">Enligt Lagrådets mening är det emellertid tveksamt om en sådan ordning har tillräckligt stöd i direktivregleringen.</P>
<P class="p208 ft5">Det synes inte finnas utrymme i direktivet för att kräva att betaltjänst- leverantörerna ska godta sådan identifikation och kommunikation som dessa använder i dag redan vid ikraftträdandet av lagen. Enligt vad som upplysts vid föredragningen bygger den identifikation och kommunika- tion som förekommer huvudsakligen på att leverantörerna av betalnings- initierings- eller kontoinformationstjänster enligt avtal med kunderna bereds möjlighet att använda sig av kundernas avtalade rätt till kommuni- kation och kundernas identifiering. Denna identifikation och kommuni- kation är inte uttryckligen reglerad i betaltjänstlagen. Det är därför inte givet att man kan föreskriva en förpliktelse för betaltjänstleverantörerna att efter lagens ikraftträdande fortsätta att acceptera sådana förfaranden när det inte finns en lagreglerad plikt att acceptera dessa. Tvärtom synes det ligga närmare till hands att betaltjänstleverantörernas eventuella plikt att fortsätta att acceptera det som i dag accepteras får vila på mer grundläggande principer om <NOBR>icke-diskriminering</NOBR> och likabehandling.</P>
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<P class="p145 ft64">Enligt remissen genomförs artikel 115.6 i direktivet genom den föreslagna regleringen. I den bestämmelsen anges att medlemsstaterna ska se till att ”enskilda kontoförvaltande betaltjänstleverantörer, fram till dess att kontoförvaltande betaltjänstleverantörer följer de tekniska standarder för tillsyn som avses i punkt 4, inte missbrukar den bristande efterlevnaden för att blockera eller förhindra användningen av” aktuella tjänster. Av punkten 4 följer att medlemsstaterna ska se till att åtgärderna tillämpas från och med 18 månader efter dagen för ikraftträdandet av de tekniska standarderna. De tekniska standarderna träder alltså i kraft viss dag och åtgärderna ska tillämpas av betaltjänstleverantörerna 18 månader därefter.</P>
<P class="p685 ft5">Regleringen i artikel 115.6 synes alltså ta sikte på fallet att en betal- tjänstleverantör av något skäl ännu inte tillämpar de föreskrivna tekniska standarderna när dessa ska börja tillämpas, dvs. 18 månader efter ikraftträdandet. I ett sådant fall krävs enligt regleringen att betaltjänst- leverantören inte missbrukar detta förhållande till nackdel för dem som tillhandahåller aktuella tjänster. Det kan diskuteras om regleringen över huvud är en övergångsreglering eller en materiell regel om en för- pliktelse för den betaltjänstleverantör som vid tiden då lagens regler ska börja tillämpas ännu inte anpassat sina system till de tekniska standarderna. Oavsett vilket bör direktivets krav på betaltjänstleveran- törerna anges i enlighet med vad som nu anförts.</P>
<P style="text-align: justify;padding-right: 1px;margin-top: 4px;margin-bottom: 0px;text-indent: 11px;" class="ft3">Enligt Lagrådets mening kan det finnas behov av ett par ytterligare övergångsbestämmelser, utöver dem som föreslås i remissen.</P>
<P class="p604 ft6">Genom lagändringarna blir s.k. uppräkningsverksamhet tillstånds- pliktig (jfr 2 kap. 6 § 1). I remissen föreslås det inte någon övergångs- reglering för sådan verksamhet. Lagrådet förordar att det tas in en reglering, förslagsvis utformad efter mönster av punkten 6.</P>
<P class="p145 ft40">I remissen saknas det särskilda övergångsregler för de nya civilrättsliga bestämmelserna; direktivet tar inte heller upp den saken.</P>
<P class="p604 ft6">Det brukar anses att man bör undvika att ny lag rubbar förutsätt- ningarna för ingångna avtal. Normalt bör rättsliga konsekvenser inte knytas till en handling som vidtogs eller förhållanden som inträffade före lagstiftningens ikraftträdande. Huvudprincipen är därför att ny lag bör tillämpas bara på avtal ingångna efter lagens ikraftträdande. Så har man i allmänhet sett det även i konsumentsammanhang. Bara om det är av särskild vikt att konsumenterna omedelbart får det skydd som lagen syftar till, bör ny lag tillämpas på redan ingångna avtal (jfr prop. 2003/04:150 s. 359).</P>
<P class="p730 ft5">Lagrådet konstaterar att de nya reglerna om obehöriga transaktioner i vissa avseenden stärker konsumentskyddet, särskilt den sänkta själv- risken och betaltjänstleverantörens fulla ansvar när stark kundautentisi- ering inte har krävts. Enligt Lagrådets mening är det dock inte motiverat att frångå principen om att ny lag bör tillämpas endast på avtal som ingås efter i ikraftträdandet. Ingångna avtal om betalningsinstrument bör i stället följa 2010 års lag om obehöriga transaktioner. Motsvarande bedömning gjordes vid införandet av 2010 års lag, vilken också innebar ett stärkt konsumentskydd i förhållande till 34 § konsumentkreditlagen som då upphävdes men fick fortsätta att gälla för ingångna avtal (se prop. 2009/10: 122 s. 21 f.).</P>
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<P class="p606 ft3">Prop. 2017/18:77</P>
<P class="p1112 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">681</P>
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<P class="p526 ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 6</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">682</P>
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<P class="p463 ft5">Det finns olika synsätt på om det behövs en uttrycklig övergångs- bestämmelse om detta. Ett sätt att se saken är att den allmänna rätts- grundsatsen inte behöver komma till uttryck i en bestämmelse. Om det inte finns någon övergångsbestämmelse för gamla avtal, så innebär det alltså att den nya lagen inte gäller för dem. Men som Lagrådet har anfört i tidigare sammanhang kan det ändå finnas ett värde med en över- gångsbestämmelse (se prop. 1984/85:110 s. 366 f.). Lagstiftningen blir klarare och man kan hindra att missuppfattningar om lagändringarnas innebörd uppkommer och medför rättsförluster. Ifall det rör sig om konsumentskyddande lagstiftning talar naturligtvis detta förhållande med styrka för en uttrycklig bestämmelse; principen om att ny lag inte tillämpas på gamla avtal är då inte lika stark.</P>
<P class="p615 ft3">Lagrådet förordar därmed att en på vanligt sätt utformad övergångs- bestämmelse med denna innebörd tas in i lagen.</P>
<P class="p463 ft5">Remissens förslag innehåller också en del nya civilrättsliga regler som inte på samma sätt kan sägas utgå från att det föreligger ett ingånget avtal men som i stället bygger på att t.ex. ett visst handlande företas. Som exempel kan nämnas nya 4 kap. 2 § andra stycket och 5 kap. 1 § andra stycket. I den fortsatta beredningen kan det finnas anledning att uppmärksamma om dessa regler bör föranleda någon särskild övergångsreglering. Enligt Lagrådets bedömning ligger det närmast till hands att inte låta den nya lagen få verkan i fråga om åtgärder som vidtogs före ikraftträdandet eller förhållanden som förelåg då. Någon övergångsbestämmelse torde i så fall inte behövas; det lär stå tillräckligt klart att lagen är att förstå på det sättet. Om däremot bedömningen görs att lagen ska ges verkan bakåt i tiden, bör detta framgå av en särskild övergångsregel (jfr i fråga om ändringar i 36 § avtalslagen prop. 1975/76:81 s. 149 och prop. 1994/95:17 s. 83).</P>
<P class="p628 ft5">Lagändringarna innebär att nya näringsrättsliga krav ställs på de berörda företagen. Detta medför att befintliga avtal kan behöva ändras för att avspegla kraven. Det kan vara så att dessa avtal inte ger någon rätt till ändring av villkoren på grund av nya krav av det aktuella slaget. I linje med vad Lagrådet anför om ny lags tillämplighet på ingångna avtal gäller här att parternas möjlighet att själva komma överens om avtalsvillkor inte utan vägande skäl bör bli föremål för ingripande genom särskild lagstiftning. I den fortsatta beredningen bör ändå övervägas om det är motiverat med en övergångsregel som tillåter ett särskilt förfarande för ändringar i ramavtal i syfte att uppfylla de nya näringsrättsliga kraven. Lagrådet hänvisar till punkten 8 i övergångsbestämmelserna till nuvarande betaltjänstlag (jfr prop. 2009/10:220 s. 313 f.).</P>
<P style="font: 13px 'Arial';text-decoration: underline;line-height: 16px;" class="p316">Förslaget till lag om ändring i lagen om elektroniska pengar</P>
<P style="text-align: justify;padding-right: 63px;margin-top: 15px;margin-bottom: 0px;" class="ft5">Enligt 1 kap. 3 § avses med betaltjänstleverantör enligt betaltjänstlagen bl.a. institut för elektroniska pengar och de företag som har undantagits från tillståndsplikt enligt lagen om elektroniska pengar. Det innebär att dessa institut och företag har rätt att erbjuda sådana kontoinformations- tjänster som enligt förslaget ska regleras i betaltjänstlagen. I den senare lagen görs i olika hänseenden avsteg från den annars gällande regleringen när det är fråga om någon som levererar kontoinformations- tjänster (se t.ex. 1 kap. 4 §, 1 kap. 6 §, 2 kap. 3 och 6 §§, 3 kap. 13, 17,</P>
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<P class="p758 ft3">18, 19, 21, 23, 24, 26 och 28 §§, 4 kap. 4 b och 10 §§, 5 kap. <NOBR>14–20</NOBR> §§ och 5 a kap. 6 §).</P>
<P class="p514 ft6">Några särskilda regler rörande kontoinformationstjänster ges inte i förslaget till ändringar i lagen om elektroniska pengar. Det kan emellertid finnas skäl att göra motsvarande undantag från den annars gällande regleringen för kontoinformationstjänster. Det bör under den fortsatta beredningen övervägas i vilka av de paragrafer som nu föreslås eller där det föreslås ändringar som kontoinformationstjänsterna ska uttryckligen adresseras.</P>
<P class="p655 ft3">I fråga om de bestämmelser som har motsvarigheter i betaltjänstlagen hänvisar Lagrådet till vad som anförts om den lagen.</P>
<P style="text-align: left;padding-right: 31px;margin-top: 14px;margin-bottom: 0px;font: 13px 'Arial';text-decoration: underline;line-height: 16px;">Förslaget till lag om ändring i lagen om åtgärder mot penningtvätt och finansiering av terrorism</P>
<P class="p771 ft3">1 kap. 2 §</P>
<P style="text-align: justify;padding-right: 13px;margin-top: 14px;margin-bottom: 0px;" class="ft3">För att det klart ska framgå att undantaget inte omfattar verksamhet med kontoinformationstjänster tillsammans med andra betaltjänster bör punkt 9 utformas enligt följande.</P>
<P style="text-align: justify;padding-left: 30px;padding-right: 13px;margin-top: 7px;margin-bottom: 0px;" class="ft3">9. verksamhet med att tillhandahålla betaltjänster enligt lagen om betaltjänster utan att vara betalningsinstitut, dock inte om verksam- heten uteslutande avser kontoinformationstjänster,</P>
<P style="font: 13px 'Arial';text-decoration: underline;line-height: 16px;" class="p268">Övriga lagförslag</P>
<P class="p279 ft3">Lagrådet lämnar förslagen utan erinran.</P>
</DIV>
<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 150px;overflow: hidden;">
<P class="p15 ft3">Prop. 2017/18:77</P>
<P class="p821 ft3">Bilaga 6</P>
<P style="text-align: right;padding-right: 51px;margin-top: 737px;margin-bottom: 0px;" class="ft3">683</P>
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<INGENBILD zsrc="H50377684x1.jpg/" style="width:410px;height:1px;">
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<DIV style="float:left;border:none;margin: 0px 0px 0px 0px;padding: 0px;border:none;width: 154px;overflow: hidden;">
<P style="text-align: right;padding-right: 12px;margin-top: 0px;margin-bottom: 0px;" class="ft3">Prop. 2017/18:77</P>
<P style="text-align: left;padding-left: 49px;margin-top: 2px;margin-bottom: 0px;" class="ft3">Bilaga 7</P>
<P style="text-align: left;padding-left: 36px;margin-top: 736px;margin-bottom: 0px;" class="ft3">684</P>
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<DIV style="float:left;border:none;margin: 3px 0px 0px 0px;padding: 0px;border:none;width: 470px;overflow: hidden;">
<P style="text-align: left;padding-left: 8px;padding-right: 79px;margin-top: 0px;margin-bottom: 0px;font: 19px 'Arial';line-height: 24px;">Parallelluppställning över genomförandet i svensk rätt av Europaparlamentets och rådets direktiv (EU) 2015/2366 av den 25 november 2015 om betaltjänster på den inre marknaden, om ändring av direktiven 2002/65/EG, 2009/110/EG och 2013/36/EU samt förordning (EU) nr 1093/2010 och om upphävande av direktiv 2007/64/EG</P>
<TABLE cellpadding=0 cellspacing=0 style="width: 410px;margin-top: 6px;font: bold 13px 'Arial';">
<TR>
<TD style="border-top: #000000 1px solid;padding: 0px;margin: 0px;width: 140px;vertical-align: bottom;" class="tr24"><P class="p75 ft42">Artikel i direktivet</P></TD>
<TD style="border-top: #000000 1px solid;padding: 0px;margin: 0px;width: 270px;vertical-align: bottom;" class="tr24"><P class="p3 ft42">Svenska bestämmelser</P></TD>
</TR>
<TR>
<TD class="tr16 td147"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td226"><P class="p3 ft78">(i lagen [2010:751] om betaltjänster om inte</P></TD>
</TR>
<TR>
<TD class="tr15 td147"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td226"><P class="p3 ft42">annat anges)</P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft6">1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 125px;line-height: 15px;">1 kap. 1 och 3 §§ (jfr även 2 kap. 2 §)</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">2.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 15px;">1 kap. 1 § första stycket</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">2.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 16px;">1 kap. 1 § första stycket</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">2.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 15px;">1 kap. 1 § första stycket och 1 a § första stycket</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">2.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 15px;">1 kap. 1 § första stycket och 1 a § andra stycket</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">2.5</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 16px;">Möjligheten har inte utnyttjats</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft6">3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 125px;line-height: 15px;">1 kap. </SPAN><NOBR>6–7</NOBR> §§</P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft6">4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 125px;line-height: 15px;">1 kap. 2, 3 och 4 §§ och 3 kap. 2 § andra stycket</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">5.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 16px;">2 kap. 1 § och verkställighetsföreskrifter</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">5.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 15px;">2 kap. 6 § första stycket 6</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">5.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 15px;">2 kap. 3 § fjärde stycket</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 332px;margin-left: 8px;font: 11px 'Arial';">
<TR>
<TD class="tr15 td48"><P class="p3 ft3"><NOBR>5.4–5.7</NOBR></P></TD>
<TD style="padding: 0px;margin: 0px;width: 200px;vertical-align: bottom;" class="tr15"><P class="p3 ft7">Avser åtgärder som ska vidtas av Eba</P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft6">6</SPAN><SPAN style="font: 13px 'Arial';margin-left: 125px;line-height: 15px;">2 kap. 8 §</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft6">7</SPAN><SPAN style="font: 13px 'Arial';margin-left: 125px;line-height: 15px;">3 kap. 1 §</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">8.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 15px;">3 kap. 2 § första stycket</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">8.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 16px;">3 kap. 2 § tredje och fjärde styckena</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">8.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 15px;">Möjligheten har inte utnyttjats</SPAN></P>
<P style="text-align: left;padding-left: 140px;padding-right: 73px;margin-top: 0px;margin-bottom: 0px;text-indent: -132px;" class="ft6"><SPAN class="ft5">9.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 15px;">3 kap. 3 § och 9 kap. Finansinspektionen föreskrifter och allmänna råd (FFFS 2010:3) om betalningsinstitut och registrerade betaltjänstleverantörer</SPAN></P>
<P style="text-align: left;padding-left: 140px;padding-right: 100px;margin-top: 0px;margin-bottom: 0px;text-indent: -132px;" class="ft6"><SPAN class="ft5">9.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 15px;">9 kap. Finansinspektionens föreskrifter och allmänna råd om betalningsinstitut och registrerade betaltjänstleverantörer</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">9.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 115px;line-height: 16px;">3 kap. 4 §</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">10.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 16px;">3 kap. 7 § första och andra styckena</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">10.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 16px;">3 kap. 7 § tredje stycket</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">11.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 16px;">2 kap. 1 och 2 §§</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">11.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 15px;">2 kap. 6 §</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">11.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 15px;">3 kap. 11 §</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft3"><SPAN class="ft5">11.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 16px;">2 kap. 6 §</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">11.5</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 15px;">3 kap. 5 §</SPAN></P>
<P style="text-align: justify;padding-left: 8px;margin-top: 0px;margin-bottom: 0px;" class="ft6"><SPAN class="ft5">11.6</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 15px;">2 kap. 6 §</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 261px;margin-left: 8px;font: 12px 'Arial';">
<TR>
<TD class="tr20 td48"><P class="p3 ft3">11.7 och 11.8</P></TD>
<TD class="tr20 td265"><P class="p3 ft5">2 kap. 7 § andra stycket</P></TD>
</TR>
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<TR>
<TD class="tr19 td31"><P class="p3 ft3">11.9</P></TD>
<TD style="padding: 0px;margin: 0px;width: 329px;vertical-align: bottom;" class="tr19"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">3 kap. <NOBR>18–22,</NOBR> 26 och 27 §§</P></TD>
<TD class="tr19 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td31"><P class="p3 ft3">12</P></TD>
<TD style="padding: 0px;margin: 0px;width: 329px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">2 kap. 9 § betaltjänstlagen och 20 §</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 7</P></TD>
</TR>
<TR>
<TD class="tr21 td31"><P class="p3 ft22"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 329px;vertical-align: bottom;" class="tr21"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft23">förvaltningslagen (1986:223)</P></TD>
<TD class="tr21 td175"><P class="p3 ft22"> </P></TD>
</TR>
</TABLE>
<P class="p53 ft3"><SPAN class="ft5">13.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">8 kap. 8, 10 och 11 §§</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">13.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">20 och 21 §§ förvaltningslagen</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">13.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">8 kap. 5 §</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 262px;font: 12px 'Arial';">
<TR>
<TD class="tr15 td201"><P class="p3 ft3"><NOBR>14.1–14.3</NOBR></P></TD>
<TD class="tr15 td201"><P class="p3 ft5">8 kap. 5 § första stycket</P></TD>
</TR>
</TABLE>
<P class="p53 ft6"><SPAN class="ft5">14.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">8 kap. 5 § andra stycket</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">15.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">Avser åtgärder som ska vidtas av Eba</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 337px;font: 13px 'Arial';">
<TR>
<TD class="tr15 td201"><P class="p3 ft3">15.2 och 15.3</P></TD>
<TD class="tr15 td157"><P class="p3 ft3">8 kap. 5 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td201"><P class="p3 ft3">15.4 och 15.5</P></TD>
<TD class="tr15 td157"><P class="p3 ft5">Avser åtgärder som ska vidtas av Eba</P></TD>
</TR>
<TR>
<TD class="tr21 td201"><P class="p3 ft23">16</P></TD>
<TD class="tr21 td157"><P class="p3 ft23">3 kap. 25 §</P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 131px;padding-right: 203px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft5">17.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">Genomförd genom årsredovisningslagen (1995:1554)</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">17.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">3 kap. 9 §</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">17.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">3 kap. 10 §</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">17.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">8 kap. 6 §</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">18.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">3 kap. 5 § första stycket</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 272px;font: 12px 'Arial';">
<TR>
<TD class="tr15 td201"><P class="p3 ft3">18.2 och 18.3</P></TD>
<TD class="tr15 td207"><P class="p3 ft5">3 kap. 6 § första stycket 2</P></TD>
</TR>
</TABLE>
<P class="p53 ft6"><SPAN class="ft5">18.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">3 kap. 6 § andra och tredje styckena</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">18.5</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">3 kap. 6 § första stycket 1</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">18.6</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">En uttrycklig bestämmelse med detta innehåll</SPAN></P>
<P class="p69 ft6">är inte nödvändig</P>
<P class="p53 ft6"><SPAN class="ft5">19.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">3 kap. 17 § första och andra stycket</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">19.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">3 kap. 17 § tredje stycket och 21 §</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 381px;font: 13px 'Arial';">
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td364"><P class="p235 ft3">förvaltningslagen</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft6">19.3 och 19.4</P></TD>
<TD class="tr16 td364"><P class="p235 ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td364"><P class="p235 ft6">är inte nödvändig</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft3">19.5</P></TD>
<TD class="tr15 td364"><P class="p235 ft3">3 kap. 18 och 18 a §§</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft6">19.6</P></TD>
<TD class="tr16 td364"><P class="p235 ft6">3 kap. 28 §</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft6">19.7</P></TD>
<TD class="tr16 td364"><P class="p235 ft6">3 kap. 24 §</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft3">19.8</P></TD>
<TD class="tr15 td364"><P class="p235 ft3">3 kap. 25 och 28 a §§</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft6">20.1</P></TD>
<TD class="tr16 td364"><P class="p235 ft5">10 kap. Finansinspektionens föreskrifter och</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td364"><P class="p235 ft6">allmänna råd om betalningsinstitut och</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td364"><P class="p235 ft3">registrerade betaltjänstleverantörer</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft6">20.2</P></TD>
<TD class="tr16 td364"><P class="p235 ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td364"><P class="p235 ft6">är inte nödvändig, se avsnitt 7.4.5 i prop.</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td364"><P class="p235 ft3">2009/10:220</P></TD>
</TR>
<TR>
<TD class="tr21 td112"><P class="p3 ft23">21</P></TD>
<TD class="tr21 td364"><P class="p235 ft23">3 kap. 8 §</P></TD>
</TR>
</TABLE>
<P class="p53 ft6"><SPAN class="ft5">22.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">8 kap. 1 § första och styckena</SPAN></P>
<P style="text-align: justify;padding-left: 131px;padding-right: 175px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft5">22.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">En uttrycklig bestämmelse med detta innehåll är inte nödvändig, se avsnitt 12.2</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">22.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">8 kap. 1 § tredje stycket</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">22.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">8 kap. 1 § första stycket</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">22.5</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">En uttrycklig bestämmelse med detta innehåll</SPAN></P>
<P class="p69 ft6">är inte nödvändig</P>
<P class="p53 ft3"><SPAN class="ft5">23.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">8 kap. 2, 3, 11, 12 och 27 §§</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">23.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">8 kap. 8, 10, 14, 21 och 23 §§</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">23.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">3 kap. 5 § andra stycket och 8 kap. 8 §</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr28 td165"><P style="text-align: right;padding-right: 59px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">24</P></TD>
<TD class="tr28 td335"><P style="text-align: left;padding-left: 59px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">Genomförd genom offentlighets- och</P></TD>
<TD class="tr28 td107"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr28 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr28 td335"><P style="text-align: left;padding-left: 59px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">sekretesslagen (2009:400)</P></TD>
<TD class="tr28 td107"><P class="p17 ft3">685</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_686" style="position:relative; overflow: hidden;margin: 46px 0px 81px 36px;padding: 0px;border: none;width: 588px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 13px;font: 13px 'Arial';">
<TR>
<TD class="tr19 td112"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td177"><P class="p130 ft3">25</P></TD>
<TD class="tr19 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td104"><P class="p3 ft2"> </P></TD>
<TD class="tr19 td204"><P class="p1 ft3">8 kap. 26 §</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft3">Bilaga 7</P></TD>
<TD class="tr15 td177"><P class="p130 ft3">26</P></TD>
<TD class="tr15 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td104"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td204"><P class="p1 ft3">8 kap. 4 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p130 ft6">27</P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">8 kap. 4 a och 5 §§ förordningen (2009:93)</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">med instruktion för Finansinspektionen</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td207"><P class="p130 ft3">28.1 första stycket</P></TD>
<TD class="tr15 td204"><P class="p1 ft3">3 kap. 18 § första och andra styckena, 19 §</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD colspan=3 rowspan=2 class="tr31 td207"><P class="p130 ft3">28.1 andra stycket</P></TD>
<TD class="tr16 td204"><P class="p1 ft6">första och andra styckena och 21 §</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">3 kap. 25 och 28 §§</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td207"><P class="p130 ft3">28.2 första stycket</P></TD>
<TD class="tr15 td204"><P class="p1 ft5">3 kap. 18 a § första stycket, 20 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD colspan=3 rowspan=2 class="tr31 td207"><P class="p130 ft3">28.2 andra stycket</P></TD>
<TD class="tr16 td204"><P class="p1 ft6">och 22 §</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">3 kap. 27 §</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td207"><P class="p130 ft3">28.2 tredje stycket</P></TD>
<TD class="tr15 td204"><P class="p3 ft3">3 kap. 18 a § fjärde stycket och 20 § fjärde</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td207"><P class="p130 ft6">28.2 fjärde stycket</P></TD>
<TD class="tr16 td204"><P class="p1 ft6">3 kap. 18 a § tredje stycket och 20 § tredje</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td104"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td204"><P class="p1 ft3">stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td207"><P class="p130 ft6">28.3 första stycket</P></TD>
<TD class="tr16 td204"><P class="p1 ft5">3 kap. 18 a § andra stycket, 20 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">och 26 §</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td207"><P class="p130 ft3">28.3 andra stycket</P></TD>
<TD class="tr15 td204"><P class="p1 ft5">Bestämmelsen rör rätt att driva verksamhet i</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">utlandet vilket inte ankommer på svensk</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD rowspan=2 class="tr25 td177"><P class="p130 ft3">28.3</P></TD>
<TD rowspan=2 class="tr25 td123"><P class="p74 ft3">tredje</P></TD>
<TD rowspan=2 class="tr25 td104"><P class="p3 ft3">stycket</P></TD>
<TD class="tr16 td204"><P class="p1 ft6">lagstiftning att reglera</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td204"><P class="p1 ft3">3 kap. 18 § tredje stycket och 19 § tredje</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td207"><P class="p130 ft6">första meningen</P></TD>
<TD class="tr16 td204"><P class="p1 ft6">stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p130 ft6">28.3</P></TD>
<TD class="tr16 td123"><P class="p74 ft6">tredje</P></TD>
<TD class="tr16 td104"><P class="p3 ft6">stycket</P></TD>
<TD class="tr16 td204"><P class="p1 ft6">3 kap. 18 a § första stycket och 20 § första</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD colspan=3 class="tr15 td207"><P class="p130 ft3">andra meningen</P></TD>
<TD class="tr15 td204"><P class="p1 ft3">stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p130 ft6">28.4</P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">3 kap. 25 och 28 a §§</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p130 ft6">28.5</P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">Avser åtgärder som ska vidtas av Eba och</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td104"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td204"><P class="p1 ft3">kommissionen</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p130 ft6">29.1</P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">8 kap. 4 § första och tredje styckena</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p130 ft6">29.2</P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">8 kap. 2 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p130 ft3">29.3</P></TD>
<TD class="tr15 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td104"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td204"><P class="p1 ft3">8 kap. 4 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p130 ft6">29.4</P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">8 kap. 2 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD colspan=2 class="tr16 td205"><P class="p130 ft6"><NOBR>29.5–29.7</NOBR></P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">Avser åtgärder som ska vidtas av Eba och</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD colspan=3 rowspan=2 class="tr25 td207"><P class="p130 ft3">30.1 första stycket</P></TD>
<TD class="tr15 td204"><P class="p1 ft3">kommissionen</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">8 kap. 21 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD colspan=3 class="tr16 td207"><P class="p130 ft6">30.1 andra stycket</P></TD>
<TD class="tr16 td204"><P class="p1 ft6">8 kap. 13 och 23 e §§</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD colspan=2 class="tr15 td205"><P class="p130 ft5">30.2 och 30.3</P></TD>
<TD class="tr15 td104"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td204"><P class="p1 ft3">8 kap. 21 §</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p130 ft6">30.4</P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">8 kap. 4 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p130 ft6">31.1</P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">Detta följer av allmänna förvaltningsrättsliga</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td177"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td123"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td104"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td204"><P class="p1 ft5">principer och 20 och 21 §§ förvaltningslagen,</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td177"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td123"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td104"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td204"><P class="p1 ft6">se avsnitt 13.3.5</P></TD>
</TR>
<TR>
<TD class="tr21 td112"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td177"><P class="p130 ft23">31.2</P></TD>
<TD class="tr21 td123"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td104"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td204"><P class="p1 ft23">8 kap. 1 § första stycket och 21 §</P></TD>
</TR>
</TABLE>
<P class="p941 ft3"><SPAN class="ft5">32.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 16px;">2 kap. 3 §</SPAN></P>
<P class="p941 ft6"><SPAN class="ft5">32.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 15px;">3 kap. 11 §</SPAN></P>
<P style="text-align: justify;padding-left: 258px;padding-right: 69px;margin-top: 0px;margin-bottom: 0px;text-indent: -132px;" class="ft5"><SPAN class="ft5">32.3</SPAN><SPAN style="font: 12px 'Arial';margin-left: 108px;line-height: 15px;">En uttrycklig bestämmelse med detta innehåll är inte nödvändig, jfr de svenska bestämmelser som genomför artiklarna 11.9 och </SPAN><NOBR>28–30</NOBR></P>
<P class="p941 ft3"><SPAN class="ft5">32.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 16px;">Möjligheten har inte utnyttjats</SPAN></P>
<P class="p941 ft3"><SPAN class="ft5">32.5</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 16px;">2 kap. 4 och 5 §§</SPAN></P>
<P style="text-align: justify;padding-left: 258px;padding-right: 81px;margin-top: 0px;margin-bottom: 0px;text-indent: -132px;" class="ft76"><SPAN class="ft5">32.6</SPAN><SPAN style="font: 13px 'Arial';margin-left: 108px;line-height: 17px;">En uttrycklig bestämmelse med detta innehåll är inte nödvändig, jfr 3 kap. 13 §</SPAN></P>
<P class="p268 ft3">686</P>
</DIV>
<DIV id="page_687" style="position:relative; overflow: hidden;margin: 47px 0px 78px 68px;padding: 0px;border: none;width: 556px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td31"><P class="p196 ft5">33.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 329px;vertical-align: bottom;" class="tr22"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">2 kap. 3 § fjärde stycket, och 3 kap. 17 § första</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 329px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">stycket, 24 § första stycket, 26 och 28 §§. I</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 7</P></TD>
</TR>
<TR>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 329px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">övrigt är det inte nödvändigt med uttryckliga</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 329px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">bestämmelser</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p53 ft6"><SPAN class="ft5">33.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">3 kap. 18, 18 a, 19 och 21 §§, 4 kap. 4 b och</SPAN></P>
<P style="text-align: left;padding-left: 131px;padding-right: 166px;margin-top: 0px;margin-bottom: 0px;" class="ft5"><NOBR>10–12</NOBR> §§ och 8 kap. 23 e §. I övrigt är det inte nödvändigt med uttryckliga bestämmelser.</P>
<P style="text-align: left;padding-left: 131px;padding-right: 175px;margin-top: 0px;margin-bottom: 0px;text-indent: -130px;" class="ft6">34 En uttrycklig bestämmelse med detta innehåll är inte nödvändig</P>
<P class="p53 ft3"><SPAN class="ft5">35.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">7 kap. 1 och 2 §§</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">35.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">7 kap. 3 och 4 §§</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 185px;font: 11px 'Arial';">
<TR>
<TD class="tr16 td165"><P style="text-align: right;padding-right: 59px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">36</P></TD>
<TD class="tr16 td28"><P style="text-align: left;padding-left: 59px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">7 kap. 5 §</P></TD>
</TR>
</TABLE>
<P style="text-align: justify;padding-left: 131px;padding-right: 170px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft5"><SPAN class="ft5">37.1</SPAN><SPAN style="font: 12px 'Arial';margin-left: 107px;line-height: 15px;">En uttrycklig bestämmelse med detta innehåll är inte nödvändig, jfr dock 2 kap. </SPAN><NOBR>1–3</NOBR> §§</P>
<P style="text-align: justify;padding-left: 131px;padding-right: 167px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft3"><SPAN class="ft5">37.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">1 kap. 9 § första stycket och 10 § första stycket och 8 kap. 2 § första stycket</SPAN></P>
<P style="text-align: justify;padding-left: 131px;padding-right: 180px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft5">37.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">1 kap. 9 § andra stycket och 8 kap. 2 § första stycket</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">37.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">8 kap. 5 §</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">37.5</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">1 kap. 10 §</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">38.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">1 kap. 11 § och 4 kap. 20 §</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">38.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">Möjligheten har inte utnyttjats</SPAN></P>
<P style="text-align: justify;padding-left: 131px;padding-right: 175px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft5">38.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">En uttrycklig bestämmelse med detta innehåll är inte nödvändig</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 387px;font: 11px 'Arial';">
<TR>
<TD class="tr15 td165"><P style="text-align: right;padding-right: 59px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">39</P></TD>
<TD class="tr15 td334"><P style="text-align: left;padding-left: 59px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">3 kap. 3 § lagen (2005:59) om distansavtal och</P></TD>
</TR>
<TR>
<TD class="tr16 td165"><P class="p3 ft2"> </P></TD>
<TD class="tr16 td334"><P style="text-align: left;padding-left: 59px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">avtal utanför affärslokaler</P></TD>
</TR>
</TABLE>
<P class="p53 ft6"><SPAN class="ft5">40.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">4 kap. 1 § första stycket</SPAN></P>
<P class="p53 ft3"><SPAN class="ft5">40.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">4 kap. 1 § andra stycket</SPAN></P>
<P class="p53 ft6"><SPAN class="ft5">40.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">4 kap. 1 § tredje stycket</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 381px;font: 13px 'Arial';">
<TR>
<TD class="tr15 td31"><P class="p3 ft3">41</P></TD>
<TD class="tr15 td228"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr16 td31"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td228"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">är inte nödvändig, se avsnitt 7.3.7</P></TD>
</TR>
<TR>
<TD class="tr15 td31"><P class="p3 ft3">42.1</P></TD>
<TD class="tr15 td228"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">4 kap. 19 §</P></TD>
</TR>
<TR>
<TD class="tr16 td31"><P class="p3 ft6">42.2</P></TD>
<TD class="tr16 td228"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">Möjligheten har inte utnyttjats</P></TD>
</TR>
<TR>
<TD class="tr16 td31"><P class="p3 ft6">43.1</P></TD>
<TD class="tr16 td228"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr15 td31"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td228"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">är inte nödvändig</P></TD>
</TR>
<TR>
<TD class="tr16 td31"><P class="p3 ft6">43.2</P></TD>
<TD class="tr16 td228"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 9 §</P></TD>
</TR>
<TR>
<TD class="tr16 td31"><P class="p3 ft6">44.1</P></TD>
<TD class="tr16 td228"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 5 §</P></TD>
</TR>
<TR>
<TD class="tr15 td31"><P class="p3 ft3">44.2</P></TD>
<TD class="tr15 td228"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">4 kap. 6 §</P></TD>
</TR>
<TR>
<TD class="tr16 td31"><P class="p3 ft6">44.3</P></TD>
<TD class="tr16 td228"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr21 td31"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td228"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft23">är inte nödvändig</P></TD>
</TR>
</TABLE>
<P class="p53 ft3"><SPAN class="ft5">45.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">4 kap. </SPAN><NOBR>4–4</NOBR> b §§</P>
<P class="p53 ft6"><SPAN class="ft5">45.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">4 kap. 4 a §</SPAN></P>
<P style="text-align: justify;padding-left: 131px;padding-right: 175px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft5">45.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">En uttrycklig bestämmelse med detta innehåll är inte nödvändig</SPAN></P>
<P class="p53 ft3"><SPAN class="ft7">46</SPAN><SPAN style="font: 13px 'Arial';margin-left: 118px;line-height: 16px;">4 kap. 7 a och 8 a §§</SPAN></P>
<P class="p53 ft6"><SPAN class="ft7">47</SPAN><SPAN style="font: 13px 'Arial';margin-left: 118px;line-height: 15px;">4 kap. 7 a § tredje stycket</SPAN></P>
<P class="p53 ft3"><SPAN class="ft7">48</SPAN><SPAN style="font: 13px 'Arial';margin-left: 118px;line-height: 16px;">4 kap. 7 §</SPAN></P>
<P class="p53 ft6"><SPAN class="ft7">49</SPAN><SPAN style="font: 13px 'Arial';margin-left: 118px;line-height: 15px;">4 kap. 8 §</SPAN></P>
<P style="text-align: justify;padding-left: 131px;padding-right: 175px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft7">50</SPAN><SPAN style="font: 13px 'Arial';margin-left: 118px;line-height: 15px;">En uttrycklig bestämmelse med detta innehåll är inte nödvändig</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 class="t59">
<TR>
<TD class="tr24 td31"><P class="p196 ft5">51.1</P></TD>
<TD class="tr24 td235"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">4 kap. 11 §</P></TD>
<TD class="tr24 td218"><P class="p17 ft3">687</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_688" style="position:relative; overflow: hidden;margin: 46px 0px 78px 36px;padding: 0px;border: none;width: 512px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 512px;font: 13px 'Arial';">
<TR>
<TD class="tr19 td96"><P class="p36 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td74"><P class="p130 ft5">51.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr19"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">4 kap. 12 §</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p36 ft3">Bilaga 7</P></TD>
<TD class="tr15 td74"><P class="p130 ft5">51.3</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">är inte nödvändig</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft6">52</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 10 §</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p130 ft3">53</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">4 kap. 13 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">54.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 14 § första och tredje styckena</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">54.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 14 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p130 ft5">54.3</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">är inte nödvändig, se avsnitt 8.7.3 i prop.</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">2009/10:220</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p130 ft5">55.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">4 kap. 15 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">55.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 15 § tredje stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">55.3</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 15 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p130 ft5">55.4</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">4 kap. 15 § tredje stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">55.5</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">är inte nödvändig, se avsnitt 8.7.4 i prop.</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">2009/10:220</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">55.6</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">Möjligheten har inte utnyttjats</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft6">56</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 16 §</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p130 ft5">57.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">4 kap. 17 § första och andra styckena</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">57.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 17 § tredje stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">57.3</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 17 § fjärde stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p130 ft5">58.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">4 kap. 18 § första och andra styckena</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">58.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 18 § tredje stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">58.3</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 18 § fjärde stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p130 ft5">59.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">är inte nödvändig, se avsnitt 14.13</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">59.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 3 §</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p130 ft5">60.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">4 kap. 2 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">60.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 2 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">60.3</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">4 kap. 2 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p130 ft5">61.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">1 kap. 11 § samt 5 kap. 59 § och 5 a kap. 8 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">61.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">Möjligheten har utnyttjats, men en uttrycklig</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">bestämmelse med detta innehåll är inte</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">nödvändig, se avsnitt 12.1</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">61.3</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">Möjligheten har inte utnyttjats</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">61.4</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">är inte nödvändig</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">62.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">5 kap. 1 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">62.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">5 kap. 1 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p130 ft5">62.3</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">5 kap. 1 § tredje stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">62.4</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">Möjligheten i artikel 62.5 har utnyttjats och en</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">uttrycklig bestämmelse med detta innehåll är</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">därför inte nödvändig</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">62.5</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">Möjligheten att begränsa eller förbjuda en</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">betalningsmottagare att ta ut avgifter har</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">utnyttjats i 5 kap. 1 § fjärde stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">63.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">5 kap. 2 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td74"><P class="p130 ft5">63.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr16"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft6">Möjligheten har inte utnyttjats</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td74"><P class="p130 ft5">63.3</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr15"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">Möjligheten har inte utnyttjats</P></TD>
</TR>
<TR>
<TD class="tr28 td96"><P class="p1138 ft7">688</P></TD>
<TD class="tr28 td74"><P class="p130 ft5">64.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 362px;vertical-align: bottom;" class="tr28"><P style="text-align: left;padding-left: 108px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft3">5 kap. 3 § första meningen</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_689" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td201"><P class="p3 ft3">64.2 första och</P></TD>
<TD style="padding: 0px;margin: 0px;width: 275px;vertical-align: bottom;" class="tr22"><P class="p3 ft3">5 kap. 3 § andra meningen</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td201"><P class="p3 ft3">andra styckena</P></TD>
<TD style="padding: 0px;margin: 0px;width: 275px;vertical-align: bottom;" class="tr15"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 7</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">64.3 och 64.4</P></TD>
<TD style="padding: 0px;margin: 0px;width: 275px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Uttryckliga bestämmelser med detta innehåll är</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 275px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">inte nödvändiga, se avsnitt 7.2.5</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
</TABLE>
<P class="p396 ft6"><SPAN class="ft5">65.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 23 § första stycket</SPAN></P>
<P class="p396 ft6"><SPAN class="ft5">65.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 24 § första stycket och 25 §</SPAN></P>
<P style="text-align: justify;padding-left: 199px;padding-right: 204px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft5">65.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 23 § andra stycket och 24 § andra stycket</SPAN></P>
<P class="p396 ft3"><SPAN class="ft5">65.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 kap. 23 § andra stycket</SPAN></P>
<P class="p396 ft3"><SPAN class="ft5">65.5</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 kap. 23 § tredje stycket</SPAN></P>
<P class="p396 ft6"><SPAN class="ft5">65.6</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 26 §</SPAN></P>
<P class="p396 ft6"><SPAN class="ft5">66.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 7 § första meningen</SPAN></P>
<P class="p396 ft3"><SPAN class="ft5">66.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 kap. </SPAN><NOBR>11–13</NOBR> §§</P>
<P class="p396 ft6"><SPAN class="ft5">66.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. </SPAN><NOBR>8–10</NOBR> och 13 §§</P>
<P class="p396 ft6"><SPAN class="ft5">66.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. </SPAN><NOBR>11–13</NOBR> §§</P>
<P class="p396 ft3"><SPAN class="ft5">66.5</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 kap. 7 § andra meningen</SPAN></P>
<P class="p396 ft6"><SPAN class="ft5">67.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 14 § första meningen</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 268px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr15 td201"><P class="p3 ft3">67.2 a</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">5 kap. 15 § 1</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">67.2 b</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">5 kap. 16 § 1</P></TD>
</TR>
<TR>
<TD class="tr15 td201"><P class="p3 ft3">67.2 c</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">5 kap. 17 och 19 §§</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">67.2 d</P></TD>
<TD colspan=2 style="padding: 0px;margin: 0px;width: 137px;vertical-align: bottom;" class="tr16"><P class="p3 ft5">5 kap. 15 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">67.2 e</P></TD>
<TD class="tr16 td80"><P class="p3 ft5">5 kap. 15</P></TD>
<TD class="tr16 td87"><P class="p146 ft6">§ 2</P></TD>
</TR>
<TR>
<TD class="tr15 td201"><P class="p3 ft3">67.2 f</P></TD>
<TD class="tr15 td80"><P class="p3 ft5">5 kap. 15</P></TD>
<TD class="tr15 td87"><P class="p146 ft3">§ 3</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">67.3 a</P></TD>
<TD class="tr16 td80"><P class="p3 ft5">5 kap. 19</P></TD>
<TD class="tr16 td87"><P class="p146 ft6">§</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">67.3 b</P></TD>
<TD class="tr16 td80"><P class="p3 ft5">5 kap. 18</P></TD>
<TD class="tr16 td87"><P class="p146 ft6">§</P></TD>
</TR>
</TABLE>
<P class="p396 ft6"><SPAN class="ft5">67.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 14 § andra meningen</SPAN></P>
<P style="text-align: justify;padding-left: 199px;padding-right: 175px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft5">68.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">En uttrycklig bestämmelse med detta innehåll är inte nödvändig</SPAN></P>
<P class="p396 ft3"><SPAN class="ft5">68.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 kap. 4 § första stycket</SPAN></P>
<P class="p396 ft6"><SPAN class="ft5">68.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 4 § andra och tredje styckena</SPAN></P>
<P class="p396 ft6"><SPAN class="ft5">68.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 4 § fjärde stycket</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 269px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr28 td201"><P class="p3 ft3">68.5 första stycket</P></TD>
<TD class="tr28 td80"><P class="p3 ft5">5 kap. 20</P></TD>
<TD class="tr28 td205"><P class="p146 ft5">§ första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">första meningen</P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">68.5 första stycket</P></TD>
<TD class="tr16 td80"><P class="p3 ft5">5 kap. 21</P></TD>
<TD class="tr16 td205"><P class="p146 ft6">§</P></TD>
</TR>
<TR>
<TD class="tr15 td201"><P class="p3 ft3">andra och tredje</P></TD>
<TD class="tr15 td80"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td205"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">meningen</P></TD>
<TD class="tr16 td80"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td205"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr21 td201"><P class="p3 ft23">68.5 andra stycket</P></TD>
<TD class="tr21 td80"><P class="p3 ft24">5 kap. 20</P></TD>
<TD class="tr21 td205"><P class="p146 ft24">§ andra stycket</P></TD>
</TR>
</TABLE>
<P class="p396 ft3"><SPAN class="ft5">68.6</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 kap. 22 §</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 326px;margin-left: 68px;font: 12px 'Arial';">
<TR>
<TD class="tr15 td201"><P class="p3 ft3">69.1 a</P></TD>
<TD class="tr15 td119"><P class="p3 ft5">5 kap. 5</P></TD>
<TD style="padding: 0px;margin: 0px;width: 150px;vertical-align: bottom;" class="tr15"><P class="p146 ft5">§ första stycket 1 och 6 § 3</P></TD>
</TR>
<TR>
<TD class="tr21 td201"><P class="p3 ft23">69.1 b</P></TD>
<TD class="tr21 td119"><P class="p3 ft24">5 kap. 6</P></TD>
<TD style="padding: 0px;margin: 0px;width: 150px;vertical-align: bottom;" class="tr21"><P class="p146 ft23">§ 2</P></TD>
</TR>
</TABLE>
<P class="p396 ft3"><SPAN class="ft5">69.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 kap. 6 § 1</SPAN></P>
<P class="p396 ft6"><SPAN class="ft5">70.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 5 §</SPAN></P>
<P style="text-align: left;padding-left: 199px;padding-right: 175px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft5">70.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">En uttrycklig bestämmelse med detta innehåll är inte nödvändig, se avsnitt 9.6.2 i prop. 2009/10:220</SPAN></P>
<P style="text-align: justify;padding-left: 199px;padding-right: 197px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft3"><SPAN class="ft5">71.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 kap. 54 § första stycket och 5 a kap. 6 § första stycket</SPAN></P>
<P style="text-align: left;padding-left: 199px;padding-right: 170px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft5">71.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 48 § femte stycket och 54 § andra stycket samt 5 a kap. 1 § tredje stycket och 6 § andra stycket</SPAN></P>
<P class="p14 ft3">689</P>
</DIV>
<DIV id="page_690" style="position:relative; overflow: hidden;margin: 46px 0px 78px 36px;padding: 0px;border: none;width: 516px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 516px;font: 13px 'Arial';">
<TR>
<TD class="tr19 td96"><P class="p36 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td97"><P class="p130 ft3">72</P></TD>
<TD class="tr19 td254"><P class="p3 ft7">Uttryckliga bestämmelser med detta innehåll är</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p36 ft3">Bilaga 7</P></TD>
<TD class="tr15 td97"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td254"><P class="p3 ft3">inte nödvändiga, se avsnitt 7.2.13</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">73.1</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 a kap. 1 § första och andra styckena</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">73.2 första stycket</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 a kap. 1 § tredje stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">73.2 andra stycket</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 56 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">första meningen</P></TD>
<TD class="tr16 td254"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">73.2 andra stycket</P></TD>
<TD class="tr16 td254"><P class="p3 ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">andra meningen</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">är inte nödvändig, se avsnitt 7.2.13</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">73.3</P></TD>
<TD class="tr16 td254"><P class="p3 ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD rowspan=2 class="tr25 td97"><P class="p130 ft3">74.1 första och</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">är inte nödvändig</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 a kap. 2 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">andra styckena</P></TD>
<TD class="tr16 td254"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">74.1 tredje och</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 a kap. 3 §</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">fjärde styckena</P></TD>
<TD class="tr15 td254"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">74.2</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 a kap. 5 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">74.3</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 a kap. 4 §</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">75.1</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 27 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">75.2</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 27 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">76.1</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 28 § första, andra och fjärde styckena</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">76.2</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 28 § tredje stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">76.3</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 29 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">76.4</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">Möjligheten har inte utnyttjats</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">77.1</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 30 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">77.2</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 30 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">78.1</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 31 § första och tredje styckena</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">78.2</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 31 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">79.1</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 32 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">79.2</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 33 §</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">79.3</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 34 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">80.1</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 35 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">80.2</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 36 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">80.3</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 36 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">80.4</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 36 § tredje stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">80.5</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 37 §</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">81.1</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 38 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">81.2</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 38 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">81.3</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 38 § tredje stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">82.1</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 39 § första och andra styckena</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">82.2</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 39 § tredje stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">83.1</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 40 §</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">83.2</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 42 § första och andra styckena</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">83.3</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 41 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">84</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 43 §</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">85</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 44 §</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">86</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">Möjligheten har inte utnyttjats</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">87.1</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 42 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">87.2</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 42 § tredje stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">87.3</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 42 § fjärde stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td96"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">88.1</P></TD>
<TD class="tr16 td254"><P class="p3 ft6">5 kap. 45 § första stycket</P></TD>
</TR>
<TR>
<TD class="tr15 td96"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">88.2</P></TD>
<TD class="tr15 td254"><P class="p3 ft3">5 kap. 45 § andra stycket</P></TD>
</TR>
<TR>
<TD class="tr28 td96"><P class="p1138 ft7">690</P></TD>
<TD class="tr28 td97"><P class="p130 ft3">88.3</P></TD>
<TD class="tr28 td254"><P class="p3 ft3">5 kap. 45 § tredje och fjärde styckena</P></TD>
</TR>
</TABLE>
</DIV>
<DIV id="page_691" style="position:relative; overflow: hidden;margin: 46px 0px 80px 0px;padding: 0px;border: none;width: 624px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 12px 'Arial';">
<TR>
<TD class="tr19 td31"><P class="p196 ft5">88.4</P></TD>
<TD class="tr19 td128"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">5 kap. 45</P></TD>
<TD class="tr19 td194"><P class="p146 ft3">§ tredje stycket</P></TD>
<TD class="tr19 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr16 td31"><P class="p196 ft5">88.5</P></TD>
<TD class="tr16 td128"><P style="text-align: left;padding-left: 54px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">5 kap. 43</P></TD>
<TD class="tr16 td194"><P class="p146 ft6">§</P></TD>
<TD class="tr16 td175"><P class="p3 ft6">Bilaga 7</P></TD>
</TR>
</TABLE>
<P class="p396 ft6"><SPAN class="ft5">89.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 48 och 49 §§</SPAN></P>
<P class="p396 ft3"><SPAN class="ft5">89.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 kap. </SPAN><NOBR>50–52</NOBR> §§</P>
<P class="p396 ft6"><SPAN class="ft5">89.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 53 §</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 381px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr15 td201"><P class="p3 ft3">90.1 första stycket</P></TD>
<TD class="tr15 td325"><P class="p3 ft3">5 kap. 48 § fjärde stycket</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">90.1 andra stycket</P></TD>
<TD class="tr16 td325"><P class="p3 ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td325"><P class="p3 ft6">är inte nödvändig, se avsnitt 7.2.13</P></TD>
</TR>
</TABLE>
<P class="p396 ft6"><SPAN class="ft5">90.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 kap. 56 §</SPAN></P>
<P style="text-align: left;padding-left: 199px;padding-right: 175px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft7">91</SPAN><SPAN style="font: 13px 'Arial';margin-left: 118px;line-height: 15px;">En uttrycklig bestämmelse med detta innehåll är inte nödvändig, se avsnitt 9.11.5 i prop. 2009/10:220</SPAN></P>
<P class="p396 ft3"><SPAN class="ft5">92.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 kap. 55 §</SPAN></P>
<P style="text-align: justify;padding-left: 199px;padding-right: 175px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft5">92.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">En uttrycklig bestämmelse med detta innehåll är inte nödvändig, se avsnitt 14.10</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 192px;margin-left: 68px;font: 11px 'Arial';">
<TR>
<TD class="tr28 td165"><P style="text-align: right;padding-right: 59px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft7">93</P></TD>
<TD class="tr28 td86"><P style="text-align: left;padding-left: 59px;margin-top: 0px;margin-bottom: 0px;white-space: nowrap;" class="ft5">5 kap. 57 §</P></TD>
</TR>
</TABLE>
<P class="p396 ft6"><SPAN class="ft5">94.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">6 kap.</SPAN></P>
<P class="p396 ft6"><SPAN class="ft5">94.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">Personuppgiftslagen (1998:204)</SPAN></P>
<P class="p396 ft3"><SPAN class="ft5">95.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 b kap. 1 §</SPAN></P>
<P style="text-align: justify;padding-left: 199px;padding-right: 170px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft5">95.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 b kap. 2 § första stycket och föreskrifter som meddelas med stöd av 5 b kap. 6 § 2</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 337px;margin-left: 68px;font: 12px 'Arial';">
<TR>
<TD class="tr15 td201"><P class="p3 ft3"><NOBR>95.3–95.5</NOBR></P></TD>
<TD class="tr15 td157"><P class="p3 ft5">Avser åtgärder som ska vidtas av Eba</P></TD>
</TR>
</TABLE>
<P class="p396 ft6"><SPAN class="ft5">96.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 b kap. 3 §</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 381px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr15 td201"><P class="p3 ft3">96.2 första stycket</P></TD>
<TD class="tr15 td325"><P class="p3 ft3">5 b kap. 3 §</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">96.2 andra stycket</P></TD>
<TD class="tr16 td325"><P class="p3 ft6">Avser åtgärder som ska vidtas av Eba och</P></TD>
</TR>
<TR>
<TD class="tr15 td201"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td325"><P class="p3 ft3">Europeiska centralbanken</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">96.2 tredje stycket</P></TD>
<TD class="tr16 td325"><P class="p3 ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD rowspan=2 class="tr31 td201"><P class="p3 ft3"><NOBR>96.3–96.5</NOBR></P></TD>
<TD class="tr16 td325"><P class="p3 ft6">är inte nödvändig, se avsnitt 11.3.2</P></TD>
</TR>
<TR>
<TD class="tr16 td325"><P class="p3 ft6">Avser åtgärder som ska vidtas av Eba</P></TD>
</TR>
</TABLE>
<P class="p396 ft6"><SPAN class="ft5">96.6</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 b kap. 2 § andra stycket och föreskrifter på</SPAN></P>
<P style="text-align: left;padding-left: 199px;margin-top: 0px;margin-bottom: 0px;" class="ft6">förordningsnivå</P>
<P class="p396 ft3"><SPAN class="ft5">97.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 b kap. 4 § första stycket</SPAN></P>
<P class="p396 ft6"><SPAN class="ft5">97.2</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 b kap. 4 § andra stycket</SPAN></P>
<P class="p396 ft6"><SPAN class="ft5">97.3</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 b kap. 4 § tredje stycket</SPAN></P>
<P class="p396 ft3"><SPAN class="ft5">97.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 16px;">5 b kap. 4 § första och andra styckena</SPAN></P>
<P class="p396 ft6"><SPAN class="ft5">97.5</SPAN><SPAN style="font: 13px 'Arial';margin-left: 107px;line-height: 15px;">5 b kap. 5 §</SPAN></P>
<P style="text-align: justify;padding-left: 199px;padding-right: 196px;margin-top: 0px;margin-bottom: 0px;text-indent: -131px;" class="ft6"><SPAN class="ft7">98</SPAN><SPAN style="font: 13px 'Arial';margin-left: 118px;line-height: 15px;">Avser åtgärder som ska vidtas av Eba och kommissionen</SPAN></P>
<P class="p396 ft3"><SPAN class="ft7">99</SPAN><SPAN style="font: 13px 'Arial';margin-left: 118px;line-height: 16px;">Uttryckliga bestämmelser med detta innehåll är</SPAN></P>
<P style="text-align: left;padding-left: 199px;margin-top: 0px;margin-bottom: 0px;" class="ft6">inte nödvändiga, se avsnitt 12.1</P>
<P class="p396 ft3"><SPAN class="ft7">100.1</SPAN><SPAN style="font: 13px 'Arial';margin-left: 101px;line-height: 16px;">8 kap. 1 §</SPAN></P>
<TABLE cellpadding=0 cellspacing=0 style="width: 164px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr16 td201"><P class="p3 ft6">100.2 och 100.3</P></TD>
<TD class="tr16 td66"><P class="p3 ft5">8 kap.</P></TD>
</TR>
</TABLE>
<P class="p396 ft6"><SPAN class="ft7">100.4</SPAN><SPAN style="font: 13px 'Arial';margin-left: 101px;line-height: 15px;">8 kap. 1 och 21 §§</SPAN></P>
<P class="p396 ft3"><SPAN class="ft7">100.5</SPAN><SPAN style="font: 13px 'Arial';margin-left: 101px;line-height: 16px;">Föranleder ingen genomförandeåtgärd</SPAN></P>
<P class="p396 ft6"><SPAN class="ft7">100.6</SPAN><SPAN style="font: 13px 'Arial';margin-left: 101px;line-height: 15px;">Avser åtgärder som ska vidtas av Eba</SPAN></P>
<P style="text-align: justify;padding-left: 199px;padding-right: 168px;margin-top: 0px;margin-bottom: 0px;text-indent: -130px;" class="ft3">101.1 och 101.2 5 kap. 58 § och föreskrifter som meddelas med stöd av 5 kap. 60 §. Möjligheten i artikel 101.2 andra stycket har inte utnyttjats.</P>
<P style="text-align: right;padding-right: 51px;margin-top: 29px;margin-bottom: 0px;" class="ft3">691</P>
</DIV>
<DIV id="page_692" style="position:relative; overflow: hidden;margin: 46px 0px 81px 36px;padding: 0px;border: none;width: 588px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 504px;margin-left: 13px;font: 13px 'Arial';">
<TR>
<TD class="tr19 td112"><P class="p3 ft3">Prop. 2017/18:77</P></TD>
<TD class="tr19 td97"><P class="p130 ft3">101.3 och 101.4</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr19"><P class="p3 ft3">Genomförd genom EU:s tvistlösnings-</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft3">Bilaga 7</P></TD>
<TD class="tr15 td97"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">förordning och lagen (2015:671) om alternativ</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">tvistlösning i konsumentförhållanden, se</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">avsnitt 12.1</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">102</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">Genomförd genom förordningen (2015:739)</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">med instruktion för Allmänna</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">reklamationsnämnden.</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">103.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">8 kap. <NOBR>8–25</NOBR> §§</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">103.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Finansinspektionens beslut är offentliga</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">104</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Avser delegation till kommissionen</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">105</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">Avser delegation till kommissionen</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">106.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Avser åtgärder av kommissionen</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">106.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Genomförs i föreskrifter på förordningsnivå</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">106.3</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft7">4 kap. 3 a § och föreskrifter som meddelas med</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">stöd av 4 kap. 22 §</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">106.4</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">4 kap. 1 §</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">106.5</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft7">4 kap. 3 a § och föreskrifter som meddelas med</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">stöd av 4 kap. 22 §</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">107</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Anger att direktivet är ett fullharmoniserings-</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">direktiv. Kräver ingen genomförandeåtgärd.</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">108</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Avser åtgärder av kommissionen</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">109.1 och 109.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Punkt 3 i ikraftträdande- och övergångs-</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">bestämmelserna</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">109.3 och 109.4</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Punkt 4 i ikraftträdande- och övergångs-</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">bestämmelserna</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">109.5</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">Punkt 5 i ikraftträdande- och övergångs-</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">bestämmelserna</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">110</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">3 kap. 3 § lagen om distansavtal och avtal</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">utanför affärslokaler</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">111.1</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft5">2 kap. 6 och 8 §§, 3 kap. 9, 11, <NOBR>18–23,</NOBR> <NOBR>25–27</NOBR></P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft5">och 29 a §§ och 5 kap. <NOBR>1–5,</NOBR> <NOBR>8–13,</NOBR> 21, 23 och</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft7">27 §§ lagen (2011:755) om elektroniska pengar</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">111.2</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Punkt 2 i ikraftträdande- och övergångs-</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">bestämmelserna till lagen om elektroniska</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">pengar</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">112</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Kräver ingen genomförandeåtgärd</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">113</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Kräver ingen genomförandeåtgärd</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">114</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">Anger dag för upphävande av första</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">betaltjänstdirektivet</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">115.1, 115.2 och</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Punkt 1 i ikraftträdande- och övergångs-</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">115.4</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft5">bestämmelserna till lagen om betaltjänster och</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">punkt 1 i ikraftträdande- och övergångs-</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">bestämmelserna till lagen om elektroniska</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">pengar</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p130 ft6">115.3</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr16 td112"><P class="p3 ft21"> </P></TD>
<TD class="tr16 td97"><P class="p3 ft21"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">är inte nödvändig</P></TD>
</TR>
<TR>
<TD class="tr15 td112"><P class="p3 ft2"> </P></TD>
<TD class="tr15 td97"><P class="p130 ft3">115.5</P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr15"><P class="p3 ft5">En uttrycklig bestämmelse med detta innehåll</P></TD>
</TR>
<TR>
<TD class="tr21 td112"><P class="p3 ft22"> </P></TD>
<TD class="tr21 td97"><P class="p3 ft22"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 259px;vertical-align: bottom;" class="tr21"><P class="p3 ft23">är inte nödvändig, se avsnitt 15.2.2 och jfr</P></TD>
</TR>
</TABLE>
<P style="text-align: left;padding-left: 258px;padding-right: 169px;margin-top: 0px;margin-bottom: 0px;" class="ft6">punkt 6 i ikraftträdande- och övergångsbestämmelserna</P>
<P class="p15 ft3">692</P>
</DIV>
<DIV id="page_693" style="position:relative; overflow: hidden;margin: 47px 0px 80px 0px;padding: 0px;border: none;width: 573px;">
<TABLE cellpadding=0 cellspacing=0 style="width: 499px;margin-left: 68px;font: 13px 'Arial';">
<TR>
<TD class="tr22 td201"><P class="p3 ft3">115.6</P></TD>
<TD style="padding: 0px;margin: 0px;width: 275px;vertical-align: bottom;" class="tr22"><P class="p3 ft3">Punkt 7 i ikraftträdande- och övergångs-</P></TD>
<TD class="tr22 td175"><P class="p3 ft7">Prop. 2017/18:77</P></TD>
</TR>
<TR>
<TD class="tr15 td201"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 275px;vertical-align: bottom;" class="tr15"><P class="p3 ft3">bestämmelserna</P></TD>
<TD class="tr15 td175"><P class="p3 ft3">Bilaga 7</P></TD>
</TR>
<TR>
<TD class="tr16 td201"><P class="p3 ft6">116 och 117</P></TD>
<TD style="padding: 0px;margin: 0px;width: 275px;vertical-align: bottom;" class="tr16"><P class="p3 ft6">Avser direktivets ikraftträdandedag och</P></TD>
<TD class="tr16 td175"><P class="p3 ft21"> </P></TD>
</TR>
<TR>
<TD class="tr20 td201"><P class="p3 ft2"> </P></TD>
<TD style="padding: 0px;margin: 0px;width: 275px;vertical-align: bottom;" class="tr20"><P class="p3 ft3">adressater</P></TD>
<TD class="tr20 td175"><P class="p3 ft2"> </P></TD>
</TR>
<TR>
<TD class="tr27 td201"><P class="p3 ft3">Bilaga I</P></TD>
<TD style="padding: 0px;margin: 0px;width: 275px;vertical-align: bottom;" class="tr27"><P class="p3 ft3">1 kap. 2 §</P></TD>
<TD class="tr27 td175"><P class="p3 ft2"> </P></TD>
</TR>
</TABLE>
<P style="text-align: right;margin-top: 673px;margin-bottom: 0px;" class="ft3">693</P>
</DIV>
<DIV id="page_694" style="position:relative; overflow: hidden;margin: 51px 0px 81px 36px;padding: 0px;border: none;width: 588px;">
<DIV style="position:absolute;top:190px;left:126px;z-index:-1;width:112px;height:1px;font-size: 1px;line-height:nHeight;">
<INGENBILD zsrc="H50377694x1.jpg/" style="width:112px;height:1px;">
</DIV>
<P class="p992 ft1"><SPAN style="font: 13px 'Arial';line-height: 16px;position: relative; bottom: 7px;">Prop. 2017/18:77 </SPAN>Finansdepartementet</P>
<P class="p800 ft3">Utdrag ur protokoll vid regeringssammanträde den 25 januari 2018</P>
<P style="text-align: left;padding-left: 126px;padding-right: 72px;margin-top: 15px;margin-bottom: 0px;" class="ft3">Närvarande: statsminister Löfven, ordförande, och statsråden Wallström, Y Johansson, M Johansson, Bucht, Hultqvist, Regnér, Hellmark Knutsson, Bolund, Damberg, Bah Kuhnke, Strandhäll, Shekarabi, Fridolin, Eriksson, Linde, Skog, Eneroth</P>
<P class="p800 ft3">Föredragande: statsrådet Bolund</P>
<P style="text-align: left;padding-left: 126px;margin-top: 75px;margin-bottom: 0px;" class="ft3">Regeringen beslutar proposition Nya regler om betaltjänster</P>
<P style="text-align: left;margin-top: 516px;margin-bottom: 0px;" class="ft3">694</P>
</DIV>
<DIV id="page_695" style="position:relative; overflow: hidden;margin: 915px 0px 0px 0px;padding: 0px;border: none;width: 0px;height: 0px;">
</DIV>
<DIV id="page_696" style="position:relative; overflow: hidden;margin: 846px 0px 55px 362px;padding: 0px;border: none;width: 262px;">
<P class="p15 ft7">Tryck: Elanders Sverige AB, Vällingby 2018</P>
</DIV>
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</HTML>
11Riksdagen antar regeringens förslag till lag om ändring i lagen (2010:751) om betaltjänster.BifallBifall2017/18:FiU36FiU22Riksdagen antar regeringens förslag till lag om ändring i lagen (1992:160) om utländska filialer m.m.BifallBifall2017/18:FiU36FiU33Riksdagen antar regeringens förslag till lag om ändring i bokföringslagen (1999:1078).BifallBifall2017/18:FiU36FiU44Riksdagen antar regeringens förslag till lag om ändring i lagen (2006:595) om europakooperativ.BifallBifall2017/18:FiU36FiU55Riksdagen antar regeringens förslag till lag om ändring i marknadsföringslagen (2008:486).BifallBifall2017/18:FiU36FiU66Riksdagen antar regeringens förslag till lag om ändring i lagen (2011:755) om elektroniska pengar.BifallBifall2017/18:FiU36FiU77Riksdagen antar regeringens förslag till lag om ändring i lagen (2017:630) om åtgärder mot penningtvätt och finansiering av terrorism.BifallBifall2017/18:FiU36FiUINLInlämnad2018-01-30 00:00:00inträffat0behandlingBBordlagd2018-01-31 00:00:00inträffat0behandlingHÄNHänvisad2018-02-01 00:00:00inträffat0behandlingMOTMotionstid slutar2018-02-15 00:00:00inträffat0behandling0218878014918Stefan LöfvenS1Statsråd10956444284814Per BolundMP2Statsråd2inlamnatavInlämnat avFinansdepartementetH503772018-05-24 17:21:48statustextstatustextÄrendet är avslutatH503772018-05-25 12:32:23tilldelatTilldelatFinansutskottetH503772018-05-24 17:21:48H50377prop_201718__77.pdf5631033pdfNya regler om betaltjänsterhttps://data.riksdagen.se/fil/8731CF17-A8CF-4917-BD10-B7A72BF5F216behandlas_i2017/18:FiU36H501FiU36bet2017/18FiU36Nya regler om betaltjänsterbetBetänkande