En ny lag

om försäkringsdistribution

Ds 2017:17

Ds 2017:17

En ny lag om försäkringsdistribution

Finansdepartementet

SOU och Ds kan köpas från Wolters Kluwers kundservice. Beställningsadress: Wolters Kluwers kundservice, 106 47 Stockholm Ordertelefon: 08-598 191 90

E-post: kundservice@wolterskluwer.se

Webbplats: wolterskluwer.se/offentligapublikationer

För remissutsändningar av SOU och Ds svarar Wolters Kluwer Sverige AB på uppdrag av Regeringskansliets förvaltningsavdelning.

Svara på remiss – hur och varför

Statsrådsberedningen, SB PM 2003:2 (reviderad 2009-05-02).

En kort handledning för dem som ska svara på remiss.

Häftet är gratis och kan laddas ner som pdf från eller beställas på regeringen.se/remisser

Omslag: Regeringskansliets standard

Tryck: Elanders Sverige AB, Stockholm 2017

ISBN 978-91-38-24611-5

ISSN 0284-6012

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DIREKTIV

EUROPAPARLAMENTETS OCH RÅDETS DIREKTIV (EU) 2016/97

av den 20 januari 2016

om försäkringsdistribution (omarbetning)

(Text av betydelse för EES)

EUROPAPARLAMENTET OCH EUROPEISKA UNIONENS RÅD HAR ANTAGIT DETTA DIREKTIV

med beaktande av fördraget om Europeiska unionens funktionssätt, särskilt artiklarna 53.1 och 62, med beaktande av Europeiska kommissionens förslag,

efter översändande av utkastet till lagstiftningsakt till de nationella parlamenten,

med beaktande av Europeiska ekonomiska och sociala kommitténs yttrande (1),

i enlighet med det ordinarie lagstiftningsförfarandet (2), och av följande skäl:

(1) Flera ändringar behöver göras av Europaparlamentets och rådets direktiv 2002/92/EG (3). Det direktivet bör av tydlighetsskäl omarbetas.

(2) Eftersom omarbetningens huvudsakliga mål och syfte är att harmonisera nationella bestämmelser avseende försäkrings- och återförsäkringsdistribution, och eftersom dessa verksamheter bedrivs inom hela unionen bör detta nya direktiv baseras på artiklarna 53.1 och 62 i fördraget om Europeiska unionens funktionssätt (EUF-fördraget). Ett direktiv är en lämplig regleringsform för att genomförandebestämmelserna på de områden som omfattas av detta direktiv vid behov ska kunna anpassas till eventuella särdrag hos den enskilda marknaden och rättssystemet i varje medlemsstat. Detta direktiv bör också syfta till att samordna nationella bestämmelser om tillträde till verksamheter inom försäkrings- och återförsäkringsdistribution.

(3) Detta direktiv har emellertid som mål att uppnå en minimigrad av harmonisering och bör därför inte hindra medlemsstaterna från att behålla eller införa strängare bestämmelser för att skydda kunderna, förutsatt att sådana bestämmelser står i överensstämmelse med unionsrätten, inbegripet detta direktiv.

(4) Försäkrings- och återförsäkringsförmedlare spelar en central roll vid distribution av försäkrings- och återförsäk- ringsprodukter i unionen.

(5) Olika slag av personer eller institut, som agenter, mäklare och utförare av bankassurans, försäkringsföretag, resebyråer och biluthyrningsföretag, kan distribuera försäkringsprodukter. För att aktörerna ska behandlas lika och hänsyn ska kunna tas till kundskyddet bör alla dessa personer eller institut omfattas av detta direktiv.

(6) Konsumenterna bör åtnjuta samma skyddsnivå oberoende av skillnader mellan olika distributionskanaler. För att garantera att en och samma skyddsnivå tillämpas genomgående och att konsumenten kan dra nytta av jämförbara normer, särskilt vad avser lämnande av information, är lika villkor för alla distributörer mycket viktigt.

(7) Tillämpningen av direktiv 2002/92/EG har visat att ett antal bestämmelser behöver preciseras ytterligare för att möjliggöra utövandet av försäkringsdistribution och att skyddet för konsumenter förutsätter att direktivets tillämpningsområde utvidgas till att omfatta all försäljning av försäkringsprodukter. Försäkringsföretag som direktförsäljer försäkringsprodukter bör ingå i det här direktivets tillämpningsområde på liknande grund som försäkringsagenter och försäkringsmäklare.

(1)	EUT C 44, 15.2.2013, s. 95.
(2)	Europaparlamentets ståndpunkt av den 24 november 2015 (ännu ej offentliggjord i EUT) och rådets beslut av den 14 december
(3)	2015.
	Europaparlamentets och rådets direktiv 2002/92/EG av den 9 december 2002 om försäkringsförmedling (EGT L 9, 15.1.2003, s. 3).

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(8) För att garantera samma nivå av skydd oberoende av den kanal genom vilken kunder köper en försäkringsprodukt, antingen direkt av ett försäkringsföretag eller indirekt av en förmedlare, bör detta direktivs tillämpningsområde inte bara omfatta försäkringsföretag eller försäkringsförmedlare utan också andra marknadsaktörer som har försäljning av försäkringsprodukter som sidoverksamhet, såsom resebyråer och biluthyrningsföretag, såvida de inte uppfyller villkoren för att undantas.

(9) Det finns fortfarande avsevärda skillnader mellan de nationella bestämmelserna, vilket utgör hinder för att inleda och bedriva försäkrings- och återförsäkringsdistribution på den inre marknaden. Det finns ett behov av att ytterligare stärka den inre marknaden och främja en verklig inre marknad för produkter och tjänster inom liv- och skadeförsäkring.

(10) Den senaste tidens turbulens på finansmarknaderna visar betydelsen av att säkerställa ett effektivt konsumentskydd på alla finansiella områden. Det är därför lämpligt att stärka konsumenternas förtroende och göra lagstiftningen om distribution av försäkringsprodukter mer enhetlig i syfte att uppnå ett tillfredsställande konsumentskydd inom hela unionen. Nivån på konsumentskyddet bör höjas jämfört med direktiv 2002/92/EG för att minska behovet av olika nationella åtgärder. Det är viktigt att ta hänsyn till försäkringsavtalens särdrag jämfört med investeringsprodukter

som regleras genom Europaparlamentets och rådets direktiv 2014/65/EU (1). Distributionen av försäkringsavtal, även försäkringsbaserade investeringsprodukter, bör därför regleras enligt detta direktiv och anpassas till direktiv 2014/65/EU. Miniminormerna bör höjas när det gäller distributionsregler och lika villkor bör skapas avseende samtliga försäkringsbaserade investeringsprodukter.

(11) Detta direktiv bör tillämpas på personer vars verksamhet består i att tillhandahålla försäkrings- eller återförsäkringsdistributionstjänster till tredje man.

(12) Detta direktiv bör tillämpas på personer vars verksamhet består i tillhandahållande av information om ett eller flera försäkringsavtal som ett svar på kriterier som en kund valt ut på en webbplats eller via andra medier, eller av rangordning av försäkringsprodukter eller av en rabatt på en försäkringspremie, när kunden vid slutet av processen direkt eller indirekt kan ingå ett försäkringsavtal. Detta direktiv bör inte tillämpas på webbplatser som förvaltas av offentliga myndigheter eller konsumentorganisationer, som inte avser att ingå något avtal utan bara jämför försäkringsprodukter som finns att tillgå på marknaden.

(13) Detta direktiv bör inte tillämpas på verksamhet som består i att enbart lägga fram data och information om presumtiva försäkringstagare för försäkrings- eller återförsäkringsförmedlare eller försäkrings- eller återförsäkrings- företag, eller information om försäkrings- eller återförsäkringsprodukter eller om försäkrings- eller återförsäkrings- förmedlare eller försäkrings- eller återförsäkringsföretag för presumtiva försäkringstagare.

(14) Detta direktiv bör inte tillämpas på personer med annan yrkesverksamhet, t.ex. skatteexperter, revisorer eller jurister, som då och då ger råd om försäkringsskydd inom ramen för denna andra yrkesverksamhet, eller på tillhandahållande som avser endast allmän information om försäkringsprodukter, förutsatt att denna verksamhet inte syftar till att bistå kunden med att ingå eller fullgöra ett försäkrings- eller återförsäkringsavtal. Detta direktiv bör inte tillämpas på yrkesmässig handläggning av skador för ett försäkrings- eller återförsäkringsföretags räkning, och inte heller på värdering och reglering av skador.

(15) Detta direktiv bör inte tillämpas på personer som bedriver försäkringsdistribution som sidoverksamhet om premien inte överstiger ett visst belopp och de risker som omfattas är begränsade. En sådan försäkring kan komplettera en vara eller en tjänst, även med avseende på risken att tjänster som förväntas utnyttjas vid en viss tidpunkt inte utnyttjas, såsom tågresor, gymabonnemang eller säsongskort för teater, och andra risker med anknytning till resor, såsom avbeställningsskydd eller förlust av bagage. För att säkerställa att ett tillräckligt konsumentskydd alltid är kopplat till den verksamhet som försäkringsdistribution utgör, bör emellertid försäkringsföretag eller försäkrings- förmedlare som bedriver sin distributionsverksamhet via en försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är undantagen från kraven i detta direktiv, se till att vissa grundläggande villkor är uppfyllda – såsom angivande av identitet och det sätt på vilket klagomål kan lämnas in – och att kundens krav och behov beaktas.

(1)	Europaparlamentets och rådets direktiv 2014/65/EU av den 15 maj 2014 om marknader för finansiella instrument och om ändring
	av direktiv 2002/92/EG och av direktiv 2011/61/EU (EUT L 173, 12.6.2014, s. 349).

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(16) Detta direktiv bör säkerställa att en och samma konsumentskyddsnivå tillämpas och att alla konsumenter omfattas av jämförbara normer. Detta direktiv bör främja lika villkor och likvärdiga konkurrensvillkor för alla förmedlare oavsett om dessa är knutna till ett försäkringsföretag eller inte. Det är till fördel för konsumenterna om försäkringsprodukter distribueras via flera olika kanaler och via förmedlare med olika former av samarbete med försäkringsföretag, förutsatt att de är skyldiga att tillämpa jämförbara bestämmelser om konsumentskydd. Medlemsstaterna bör ta sådana hänsyn vid genomförandet av detta direktiv.

(17) I detta direktiv bör skillnaderna mellan de olika typerna av distributionskanaler beaktas. Det bör till exempel tas hänsyn till särdragen hos de försäkringsförmedlare som är avtalsenligt förpliktade att bedriva försäkringsdistribu- tionsverksamhet uteslutande för ett eller flera försäkringsföretag (anknutna försäkringsförmedlare) som finns på vissa medlemsstaters marknader, och det bör i direktivet fastställas ändamålsenliga och proportionerliga villkor för de olika typerna av distribution. I synnerhet bör medlemsstaterna ha rätt att stipulera att den försäkrings- eller återförsäkringsdistributör som är ansvarig för den verksamhet som en viss försäkrings- eller återförsäkrings- förmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet bedriver ska säkerställa att en sådan förmedlare uppfyller kraven för registrering samt ombesörja den registreringen.

(18) Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverk- samhet som är fysiska personer bör registreras vid den behöriga myndigheten i den medlemsstat där de har sin hemvist. När det gäller sådana personer som dagligen pendlar mellan den medlemsstat där de har sin privata hemvist och den medlemsstat från vilken de bedriver sin distributionsverksamhet (dvs. deras yrkesmässiga hemvist) bör registreringen ske i den medlemsstat där de har sin yrkesmässiga hemvist. Försäkrings- och återförsäkrings- förmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är juridiska personer bör registreras vid den behöriga myndigheten i den medlemsstat där de har sitt säte eller, om de enligt nationell rätt inte har något säte, sitt huvudkontor. Medlemsstaterna bör ha rätt att låta andra organ samarbeta med de behöriga myndigheterna i samband med registreringen och regleringen av försäkringsförmedlare. Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet bör registreras förutsatt att de uppfyller ställda yrkeskrav rörande kompetens, god vandel, skydd genom ansvarsförsäkring och ekonomiska resurser. Förmedlare som redan är registrerade i medlemsstaterna bör inte få krav på sig att registreras på nytt enligt detta direktiv.

(19) Att försäkringsförmedlare inte fritt kan bedriva verksamhet i hela unionen gör att den inre marknaden för försäkringar inte fungerar väl. Detta direktiv är ett viktigt steg mot en högre nivå på konsumentskyddet och marknadsintegrationen.

(20) Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverk- samhet bör kunna utnyttja etableringsfriheten och friheten att tillhandahålla tjänster, vilka har fastställts i EUF- fördraget. Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är registrerade i sin hemmedlemsstat bör således tillåtas att bedriva verksamhet i andra medlemsstater i enlighet med principerna om etableringsfrihet och friheten att tillhandahålla tjänster, under förutsättning att lämpliga anmälningsförfaranden har följts de behöriga myndigheterna emellan.

(21) För att säkerställa högkvalitativa tjänster och ett ändamålsenligt konsumentskydd bör hem- och värdmedlems- staterna samarbeta nära för att upprätthålla de skyldigheter som fastställs i detta direktiv. I fall där försäkrings- och återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet bedriver verksamhet i olika medlemsstater enligt friheten att tillhandahålla tjänster, bör den behöriga myndigheten i hemmedlemsstaten ansvara för fullgörandet på den inre marknaden av de skyldigheter som fastställs i detta direktiv med avseende på hela verksamheten. Om den behöriga myndigheten i en värdmedlemsstat inom sitt territorium upptäcker fall av bristande fullgörande av skyldigheterna bör den informera hemmedlemsstatens behöriga myndighet, som då i sin tur bör vara skyldig att vidta erforderliga åtgärder. Ett sådant fall gäller i synnerhet bristande efterlevnad av bestämmelserna om krav på god vandel, yrkeskunskap och kompetens eller uppförande. Vidare bör den behöriga myndigheten i värdmedlemsstaten ha rätt att vidta åtgärder om hemmedlemsstaten underlåter att vidta erforderliga åtgärder eller om de åtgärder som vidtas är otillräckliga.

(22) I fall av etablering av filial eller permanent närvaro i en annan medlemsstat är det lämpligt att fördela ansvaret för upprätthållande mellan hem- och värdmedlemsstaterna. Medan den behöriga myndigheten i hemmedlemsstaten bör ansvara för fullgörandet av de skyldigheter som berör verksamheten som helhet – såsom bestämmelserna om

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i värdmedlemsstaten ansvara för upprätthållandet av bestämmelserna om informationskrav och uppförande med avseende på de tjänster som tillhandahålls inom dess territorium. Om den behöriga myndigheten i en värdmedlemsstat emellertid inom sitt territorium upptäcker fall av bristande fullgörande av skyldigheter för vilkas upprätthållande detta direktiv inte tilldelar värdmedlemsstaten ansvaret, bör den informera hemmedlemsstatens behöriga myndighet, som då i sin tur bör vara skyldig att vidta erforderliga åtgärder. Ett sådant fall gäller i synnerhet bristande efterlevnad av bestämmelserna om krav på god vandel, yrkeskunskap och kompetens. Vidare bör den behöriga myndigheten i värdmedlemsstaten ha rätt att vidta åtgärder om hemmedlemsstaten underlåter att vidta erforderliga åtgärder eller om de åtgärder som vidtas är otillräckliga.

(23) Medlemsstaternas behöriga myndigheter bör ha tillgång till de medel som krävs för att säkerställa att försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet bedriver sin verksamhet på ett korrekt sätt inom hela unionen, oavsett om denna verksamhet utövas i enlighet med etableringsfriheten eller i enlighet med friheten att tillhandahålla tjänster. För att tillsynen ska bli ändamålsenlig bör alla åtgärder som de behöriga myndigheterna vidtar stå i proportion till arten och omfattningen av samt komplexiteten hos de inneboende riskerna i en särskild distributörs verksamhet, oberoende av den betydelse den berörda distributören har för den övergripande finansiella stabiliteten på marknaden.

(24) Medlemsstaterna bör inrätta ett enda informationsställe som ger försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet tillgång till deras register. Det enda informationsstället bör även inbegripa en länk till varje relevant behörig myndighet i varje medlemsstat. För att

öka öppenheten och underlätta gränsöverskridande handel bör Europeiska försäkrings- och tjänstepensionsmyndig- heten (Eiopa), inrättad genom Europaparlamentets och rådets förordning (EU) nr 1094/2010 (1), upprätta och offentliggöra samt hålla uppdaterad en gemensam elektronisk databas med uppgifter om varje försäkrings- och återförsäkrings- förmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som har anmält en avsikt att utöva sin etableringsfrihet eller sin frihet att tillhandahålla tjänster. Medlemsstaterna bör skyndsamt ge Eiopa relevant information så att myndigheten kan utföra denna uppgift. Databasen bör innehålla en länk till varje relevant behörig myndighet i varje medlemsstat. Varje behörig myndighet i medlemsstaterna bör på sin webbplats tillhandahålla en länk till denna databas.

(25) Varje förmedlare som är permanent närvarande på en annan medlemsstats territorium och som är likvärdig med en filial bör behandlas på samma sätt som en filial, såvida inte förmedlaren lagligen etablerar närvaro i en annan juridisk form. Detta skulle, beroende på ytterligare omständigheter, också kunna vara fallet om närvaron inte formellt antar formen av en filial utan bara består av ett kontor förvaltat antingen av förmedlarens egen personal eller av en person som är oberoende men som har stående fullmakt att handla för förmedlarens räkning på samma sätt som en agentur.

(26) I detta direktiv bör det klart fastställas respektive rättigheter och skyldigheter för hem- och värdmedlemsstater i fråga om tillsyn av försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är registrerade hos dem eller som bedriver försäkrings- eller återförsäkringsdistributions- verksamhet på deras territorium i enlighet med etableringsfriheten eller friheten att tillhandahålla tjänster.

(27) För att kunna hantera situationer där en försäkringsförmedlare eller en försäkringsförmedlare som bedriver förmedling som sidoverksamhet är etablerad i en medlemsstat med enda syfte att kringgå bestämmelserna i en annan medlemsstat, i vilken förmedlaren bedriver all sin verksamhet eller sin huvudsakliga verksamhet, kan det vara lämpligt att låta det vara möjligt för värdmedlemsstaten att vidta säkerhetsåtgärder om dess verksamhet allvarligt äventyrar försäkrings- och återförsäkringsmarknadens funktionssätt i värdmedlemsstaten, och detta direktiv bör således inte förhindra sådana åtgärder. Sådana åtgärder bör emellertid inte utgöra hinder för friheten att tillhandahålla tjänster och etableringsfriheten och inte heller begränsa möjligheterna till gränsöverskridande verksamhet.

(28) Det är viktigt att garantera en hög nivå av yrkeskunskap och kompetens hos försäkrings- och återförsäkrings- förmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet och sådana anställda hos försäkrings- och återförsäkringsföretag som är involverade i det förberedande arbetet inför och arbetet under och efter försäljningen av en försäkring och återförsäkring. Yrkeskunskapen hos förmedlare och försäkringsförmedlare

(1)	Europaparlamentets och rådets förordning (EU) nr 1094/2010 av den 24 november 2010 om inrättande av en europeisk
	tillsynsmyndighet (Europeiska försäkrings- och tjänstepensionsmyndigheten), om ändring av beslut nr 716/2009/EG och om
	upphävande av kommissionens beslut 2009/79/EG (EUT L 331, 15.12.2010, s. 48).

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som bedriver förmedling som sidoverksamhet och anställda hos försäkrings- och återförsäkringsföretag måste således motsvara graden av komplexitet i dessa verksamheter. Försäkringsförmedlare som bedriver förmedling som sidoverksamhet bör vara skyldiga att känna till villkoren i de försäkringar som de distribuerar samt, i tillämpliga fall, bestämmelserna om skadereglering och hantering av klagomål.

(29) Fortlöpande utbildning och utveckling bör säkerställas. Sådan utbildning och utveckling skulle kunna inbegripa olika typer av möjligheter till underlättat lärande, inklusive kurser, e-lärande och mentorsverksamhet. Frågor som gäller form, innehåll och erforderliga intyg eller andra ändamålsenliga bevis, såsom införande i register eller godkänt fullgörande av ett prov, bör regleras av medlemsstaterna.

(30) Kraven på god vandel bidrar till en sund och tillförlitlig försäkringssektor och till att målet om ett adekvat skydd för försäkringstagarna uppnås. Dessa krav omfattar avsaknad av anmärkningar i belastningsregister eller andra nationella motsvarigheter i förhållande till vissa brott, såsom brott enligt tillämplig lagstiftning om finansiella tjänster, oredlighet, bedrägeri eller ekonomisk brottslighet och andra brott enligt gällande bolagsrätt, konkursrätt eller insolvensrätt.

(31) Det är lika viktigt att de relevanta personer i ledningsstrukturen hos försäkrings- och återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är involverade i distributionen av försäkrings- eller återförsäkringsprodukter samt de relevanta anställda hos en försäkrings- eller återförsäkrings- distributör vilka är direkt involverade i försäkrings- eller återförsäkringsdistribution besitter lämplig kunskap och kompetens när det gäller distributionsverksamheten. Den lämpliga kunskaps- och kompetensnivån bör säkerställas genom tillämpning av särskilda kunskaps- och yrkeskrav på nämnda personer.

(32) Medlemsstaterna bör inte betrakta de chefer eller anställda som inte är direkt involverade i distribution av försäkrings- eller återförsäkringsprodukter som relevanta personer. Vad gäller försäkrings- och återförsäkrings- förmedlare och försäkrings- och återförsäkringsföretag bör alla anställda som är direkt involverade i distributions- verksamheten förväntas besitta lämplig kunskap och kompetens, med vissa undantag för t.ex. personer som bara utför administrativa uppgifter. När det gäller försäkringsförmedlare som bedriver förmedling som sidoverksamhet bör åtminstone de personer som ansvarar för den sidoordnade försäkringsdistributionen betraktas som relevanta anställda som förväntas ha lämplig kunskap och kompetens. I de fall försäkrings- och återförsäkringsdistributören är en juridisk person, bör även de personer inom ledningsstrukturen som ansvarar för verkställande av strategier och förfaranden med anknytning till distributionen av försäkrings- eller återförsäkringsprodukter uppfylla kraven på lämplig kunskap och kompetens. I detta avseende bör den person som ansvarar för försäkrings- eller återförsäkringsdistributionen inom försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet alltid uppfylla kraven på lämplig kunskap och kompetens.

(33) När det gäller försäkringsförmedlare och försäkringsföretag som tillhandahåller rådgivning om eller säljer försäkringsbaserade investeringsprodukter till icke-professionella kunder bör medlemsstaterna se till att dessa har lämplig kunskap och kompetens i fråga om de produkter som erbjuds. Sådan kunskap och kompetens är särskilt viktig med tanke på den ökade komplexiteten och de fortlöpande innovationerna i utformningen av försäkringsbaserade investeringsprodukter. Att köpa en försäkringsbaserad investeringsprodukt innebär en risk, och investerare bör kunna lita på informationen i och kvaliteten på de bedömningar som tillhandahålls. Dessutom bör de anställda ges tillräckligt med tid och resurser för att kunna lämna all relevant information till kunderna om de produkter de tillhandahåller.

(34) En samordning av de nationella bestämmelserna om yrkeskrav och registrering av personer som inleder och bedriver verksamhet som försäkrings- eller återförsäkringsdistributörer kan bidra till att förverkliga den inre marknaden för finansiella tjänster och till att förbättra konsumentskyddet på området.

(35) För att öka den gränsöverskridande handeln bör principer som reglerar det ömsesidiga erkännandet av förmedlares kunskaper och kompetenser införas.

(36) Trots de befintliga systemen för EU-pass för försäkringsföretag och försäkringsförmedlare är försäkringsmarknaden i unionen fortfarande mycket fragmenterad. För att underlätta gränsöverskridande verksamhet och öka öppenheten för kunder bör medlemsstaterna se till att offentliggöra de bestämmelser för att skydda allmänintresset som gäller på deras territorier, och ett gemensamt elektroniskt register med information om alla medlemsstaters bestämmelser för att skydda allmänintresset som gäller för försäkrings- och återförsäkringsdistribution bör bli tillgängligt för allmänheten.

(37) Samarbete och utbyte av information mellan behöriga myndigheter är nödvändigt för att skydda kunderna och säkerställa en sund försäkrings- och återförsäkringsverksamhet på den inre marknaden. I synnerhet bör utbyte av information främjas, såväl i samband med registreringsprocessen som fortlöpande, när det gäller information om

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god vandel, yrkeskrav och kunskap med avseende på de personer som ansvarar för utförandet av försäkrings- eller återförsäkringsdistribution.

(38) Det behövs ändamålsenliga och effektiva förfaranden för klagomål och tvistlösning utanför domstol i medlemsstaterna, så att tvister mellan försäkringsdistributörer och kunder kan lösas, varvid befintliga förfaranden kan användas om det är lämpligt. Dessa förfaranden bör vara tillgängliga för att hantera tvister avseende rättigheter och skyldigheter enligt detta direktiv. Sådana förfaranden för klagomål och tvistlösning utanför domstol bör syfta till att nå en snabbare och billigare lösning av tvister mellan försäkringsdistributörer och kunder.

(39) Den ökande omfattning verksamheter som många försäkringsförmedlare och försäkringsföretag bedriver samtidigt innebär en ökad risk för intressekonflikter mellan dessa olika verksamheter och kundernas intressen. Det måste därför föreskrivas regler som säkerställer att sådana intressekonflikter inte inverkar negativt på kundernas intressen.

(40) Kunder bör i förväg få tydlig information om förhållandena för de personer som säljer försäkringsprodukter och om vilken typ av ersättning de får. Kunderna bör få sådan information innan de ingår ett avtal. Denna information syftar till att visa förhållandet mellan försäkringsföretaget och förmedlaren, i tillämpliga fall, samt den typ av ersättning som förmedlaren får.

(41) För att kunder ska få information om de försäkringsdistributionstjänster som tillhandahålls, oavsett om de köper tjänsten via en förmedlare eller direkt av ett försäkringsföretag, och för att undvika den snedvridning av konkurrensen som följer av att försäkringsföretag uppmuntras att sälja direkt till kunder snarare än via förmedlare i syfte att undvika dessa informationskrav, bör även försäkringsföretag bli skyldiga att ge kunderna information om den typ av ersättning som deras anställda mottar vid försäljning av försäkringsprodukter.

(42) Försäkringsförmedlare och försäkringsföretag är föremål för enhetliga krav när de distribuerar försäkringsbaserade investeringsprodukter, i enlighet med Europaparlamentets och rådets förordning (EU) nr 1286/2014 (1). Utöver den information som krävs i form av faktablad bör distributörer av försäkringsbaserade investeringsprodukter tillhandahålla ytterligare information med uppgifter om eventuella förmedlingskostnader som inte redan ingår i de angivna kostnaderna i faktabladen, så att det blir möjligt för kunden att förstå den ackumulerade verkan som dessa sammanlagda kostnader har på investeringens avkastning. I detta direktiv bör det därför fastställas bestämmelser om tillhandahållande av information om kostnaderna för distributionstjänsten med anknytning till de försäkrings- baserade investeringsprodukterna i fråga.

(43) Eftersom detta direktiv har som mål att förbättra konsumentskyddet är vissa av dess bestämmelser enbart tillämpliga i konsumentförhållanden (näringsidkare till konsument), särskilt bestämmelserna om uppföranderegler för försäkringsförmedlare eller andra säljare av försäkringsprodukter.

(44) För att undvika otillbörlig försäljning bör försäljning av försäkringsprodukter alltid åtföljas av ett test med avseende på krav och behov på grundval av upplysningar från kunden. Eventuella försäkringsprodukter som föreslås för kunden bör alltid vara förenliga med kundens krav och behov och presenteras på ett förståeligt sätt så att kunden kan fatta ett välgrundat beslut.

(45) Om rådgivning ges före försäljningen av en försäkringsprodukt bör, utöver skyldigheten att ange kundens krav och behov, en personlig rekommendation tillhandahållas kunden, med en förklaring av varför en viss produkt bäst motsvarar kundens försäkringskrav och -behov.

(46) Medlemsstaterna bör föreskriva att försäkringsdistributörers ersättningspolicyer till sina anställda eller representanter inte hindrar dessa att handla i enlighet med sina kunders bästa intresse, ge tillbörliga rekommendationer eller presentera information på ett opartiskt, klart och inte missvisande sätt. Ersättning baserad på försäljningsmål bör inte utgöra incitament att rekommendera kunden en viss produkt.

(47) För kunder är det viktigt att veta om den förmedlare de anlitar ger råd på grundval av en opartisk och personlig analys. För att bedöma huruvida antalet avtal och leverantörer som förmedlaren beaktar är tillräckligt stort för att borga för en opartisk och personlig analys, bör det tas vederbörlig hänsyn till bland annat kundens behov, antalet leverantörer på marknaden, dessa leverantörers marknadsandelar, antalet relevanta och tillgängliga försäkrings-

(1)	Europaparlamentets och rådets förordning (EU) nr 1286/2014 av den 26 november 2014 om faktablad för paketerade och
	försäkringsbaserade investeringsprodukter för icke-professionella investerare (Priip-produkter) (EUT L 352, 9.12.2014, s. 1).

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produkter hos varje leverantör och dessa produkters egenskaper. Detta direktiv bör inte hindra medlemsstaterna att ålägga en försäkringsförmedlare som vill tillhandahålla rådgivning på grundval av en opartisk och personlig analys i fråga om ett försäkringsavtal att tillhandahålla sådan rådgivning för alla försäkringsavtal som försäkrings- förmedlaren distribuerar.

(48) Kunder bör, innan ett avtal ingås och även vid försäljning utan rådgivning, ges relevant information om försäkringsprodukter så att de kan fatta välgrundade beslut. Ett faktablad för försäkringsprodukter bör ge standardiserad information om skadeförsäkringsprodukter. Detta bör upprättas av det relevanta försäkringsföretaget eller, i de medlemsstater som berörs, den försäkringsförmedlare som utvecklar försäkringsprodukten. Försäkrings- förmedlaren bör redovisa för kunden de viktigaste egenskaperna hos de försäkringsprodukter den säljer, och bör därför ge förmedlarnas personal tillräckligt med resurser och tid för att göra detta.

(49) När det gäller gruppförsäkring bör kund avse den företrädare för en grupps medlemmar som ingår ett försäkringsavtal för gruppmedlemmarnas räkning, varvid den individuella gruppmedlemmen inte kan fatta individuella beslut om att ansluta sig, t.ex. till obligatoriska tjänstepensionssystem. Gruppens företrädare bör i tillämpliga fall, utan dröjsmål efter införlivande av en medlem i gruppförsäkringen, tillhandahålla försäkrings- produktens faktablad samt informationen om distributörens affärsverksamhet.

(50) Det bör fastställas enhetliga regler för att ge kunden möjlighet att välja det medium på vilket informationen ska lämnas, vilket medger användning av elektronisk kommunikation när det med hänsyn till omständigheterna vid transaktionen är lämpligt. Kunden bör dock ha rätt att få information på papper. För att ge kunder tillgång till information bör alla uppgifter som lämnas innan ett avtal undertecknas finnas att tillgå kostnadsfritt.

(51) Behovet att kräva att sådan information lämnas är mindre när kunden är ett företag som önskar återförsäkring eller försäkringsskydd för kommersiella och industriella risker, eller när endast försäkringsbaserade investeringsprodukter distribueras, när kunden är en professionell kund enligt definitionen i direktiv 2014/65/EU.

(52) I detta direktiv bör det anges minimiskyldigheter i fråga om den information som försäkringsdistributörer måste lämna till sina kunder. En medlemsstat bör kunna bibehålla eller anta striktare bestämmelser inom området för informationslämnande, vilka kan tillämpas på sådana försäkringsdistributörer som bedriver försäkringsdistribu- tionsverksamhet på den medlemsstatens territorium oberoende av reglerna i deras hemmedlemsstat, om dessa

striktare bestämmelser är förenliga med unionsrätten, inbegripet Europaparlamentets och rådets direktiv 2000/31/ EG (1). En medlemsstat som önskar tillämpa och redan tillämpar bestämmelser om försäkringsdistributörer och försäljning av försäkringsprodukter som går utöver de bestämmelser som anges i detta direktiv bör säkerställa att den administrativa bördan av dessa bestämmelser förblir begränsad och står i proportion till behovet av konsumentskydd.

(53) Korsförsäljning är en vanligt förekommande strategi som försäkringsdistributörer använder i hela unionen. Metoden kan innebära fördelar för kunder men kan också medföra att kundernas intressen inte beaktas i tillräcklig mån. Detta direktiv bör inte förhindra distribution av försäkringar som täcker flera olika risker.

(54) Bestämmelserna i detta direktiv rörande korsförsäljning bör inte påverka tillämpningen av unionens lagstiftnings- akter med regler om korsförsäljning av vissa kategorier av varor eller tjänster.

(55) För att se till att försäkringsprodukter tillgodoser behoven på den marknad de är inriktade mot, bör försäkringsföretag – och, i medlemsstater där försäkringsförmedlare utvecklar försäkringsprodukter för försäljning till kunder, försäkringsförmedlare – upprätthålla, sköta och se över processen med att godkänna varje försäkringsprodukt. Om en försäkringsdistributör ger råd om eller föreslår försäkringsprodukter som den inte utvecklar bör den under alla omständigheter vara i stånd att förstå produktens egenskaper och fastställda målmarknad. Detta direktiv bör inte begränsa den variation och flexibilitet som företag tillämpar för att utveckla nya produkter.

(56) Försäkringsbaserade investeringsprodukter erbjuds ofta till kunder som möjliga alternativ till eller substitut för investeringsprodukter som omfattas av direktiv 2014/65/EU. För att upprätta ett konsekvent investerarskydd och undvika risken för regelarbitrage är det viktigt att försäkringsbaserade investeringsprodukter, utöver de uppförandenormer som fastställts för alla försäkringsprodukter, omfattas av normer med särskild inriktning på

(1)	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 (Direktiv om elektronisk handel) (EGT L 178, 17.7.2000, s. 1).

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investeringsinslaget i dessa produkter. Sådana normer med särskild inriktning, däribland tillhandahållande av ändamålsenlig information, bör innehålla krav på lämplig rådgivning och begränsningar avseende ersättningar.

(57) För att se till att arvoden eller provisioner samt icke-monetära ersättningar i samband med distributionen av en försäkringsbaserad investeringsprodukt som betalats till eller av någon annan part än kunden eller av en person för kundens räkning inte får någon negativ inverkan på kvaliteten på den berörda tjänsten gentemot kunden, bör försäkringsdistributören införa ändamålsenliga och proportionerliga arrangemang för att förebygga en sådan negativ inverkan. I det avseendet bör försäkringsdistributören utveckla, införa och regelbundet se över strategier och förfaranden med anknytning till intressekonflikter i syfte att förebygga varje form av negativ inverkan på kvaliteten på den berörda tjänsten gentemot kunden samt se till att kunden erhåller adekvat information om arvoden, provisioner eller ersättningar.

(58) För att se till att försäkringsföretag och personer som bedriver försäkringsdistribution iakttar bestämmelserna i detta direktiv och behandlas på liknande sätt i hela unionen bör medlemsstaterna vara skyldiga att föreskriva administrativa sanktioner och andra åtgärder som är effektiva, proportionella och avskräckande. I kommissionens meddelande av den 8 december 2010 om att förstärka sanktionssystemen i den finansiella tjänstesektorn har det gjorts en översyn av befintliga befogenheter och deras praktiska tillämpning, med målet att främja mer likformiga påföljder och andra åtgärder. De administrativa sanktioner och andra åtgärder som medlemsstaterna fastställer bör således uppfylla vissa väsentliga krav när det gäller adressater, vilka kriterier som ska beaktas vid tillämpning av en sanktion eller annan åtgärd samt offentliggörande.

(59) Även om medlemsstaterna inte är förhindrade att fastställa regler om administrativa sanktioner och straffrättsliga påföljder för en och samma överträdelse bör medlemsstaterna inte vara skyldiga att fastställa regler om administrativa sanktioner för överträdelser av detta direktiv som omfattas av nationell straffrätt. Medlemsstaterna är i överensstämmelse med nationell rätt inte skyldiga att påföra både administrativa sanktioner och straffrättsliga påföljder för ett och samma brott, men bör kunna göra det om deras nationella rätt tillåter det. Bibehållandet av straffrättsliga påföljder i stället för administrativa sanktioner för överträdelser av detta direktiv bör dock inte minska eller på annat sätt påverka de behöriga myndigheternas förmåga att i god tid samarbeta och få tillträde till och utbyta information med de behöriga myndigheterna i andra medlemsstater vid tillämpning av detta direktiv, inbegripet efter det att de aktuella överträdelserna eventuellt har hänskjutits till de behöriga rättsliga myndigheterna för lagföring.

(60) De behöriga myndigheterna bör i synnerhet få befogenheter att påföra sanktionsavgifter som är tillräckligt stora för att såväl uppväga de faktiska eller potentiella fördelarna som vara avskräckande även för större institut och deras ledning.

(61) För att upprätta ett konsekvent investerarskydd och undvika risken för regelarbitrage är det vid överträdelser i samband med distribution av försäkringsbaserade investeringsprodukter viktigt att de administrativa sanktioner och andra åtgärder som fastställts av medlemsstaterna anpassas till dem som anges i förordning (EU) nr 1286/2014.

(62) För att få en konsekvent tillämpning av sanktioner i hela unionen bör medlemsstaterna säkerställa att de behöriga myndigheterna beaktar samtliga relevanta omständigheter när de fastställer typen av administrativ sanktion eller annan åtgärd och nivån på en administrativ sanktionsavgift.

(63) För att se till att de behöriga myndigheternas beslut om överträdelser har en avskräckande effekt på allmänheten och för att informera marknadsaktörerna om uppföranden som betraktas som skadligt för kunderna, bör nämnda beslut offentliggöras, förutsatt att tidsfristen för överklagande har löpt ut och inget överklagande har inkommit och såvida inte ett sådant offentliggörande äventyrar stabiliteten avseende finansmarknaderna eller en pågående undersökning. Om nationell rätt föreskriver offentliggörande av den sanktion eller annan åtgärd som är föremål för ett överklagande, bör sådan information, liksom resultatet av överklagandet, även offentliggöras utan oskäligt dröjsmål. Om ett offentliggörande av sanktionen eller annan åtgärd skulle vålla de berörda parterna oproportionellt stor skada bör den behöriga myndigheten under alla omständigheter kunna besluta att inte offentliggöra sanktionen eller annan åtgärd eller att offentliggöra den i anonymiserad form.

(64) För att upptäcka potentiella överträdelser bör de behöriga myndigheterna ha nödvändiga undersökningsbefogen- heter och upprätta effektiva system för att möjliggöra rapportering av potentiella eller faktiska överträdelser.

(65) Detta direktiv bör hänvisa till både administrativa sanktioner och andra åtgärder, oavsett om de benämns som sanktioner eller andra åtgärder enligt nationell rätt.

(66) Detta direktiv bör inte påverka tillämpningen av medlemsstaternas strafflagstiftning.

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(67) I syfte att uppnå de mål som anges i detta direktiv bör befogenheten att anta akter i enlighet med artikel 290 i EUF- fördraget delegeras till kommissionen med avseende på produkttillsyn och kraven på företagsstyrning för alla produkter samt när det gäller distribution av försäkringsbaserade investeringsprodukter, hantering av intressekon- flikter, de villkor under vilka incitament får utbetalas eller mottas och bedömning av ändamålsenlighet och lämplighet. 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.

(68) Tekniska standarder för finansiella tjänster bör säkerställa en konsekvent harmonisering och ett tillräckligt skydd för konsumenter i hela unionen. Eftersom Eiopa är ett organ med högt specialiserade expertkunskaper på området bör det anförtros endast uppgiften att utarbeta utkast till tekniska standarder för tillsyn och genomförande som inte förutsätter policyval, vilka sedan läggs fram för Europaparlamentet, rådet och kommissionen.

(69) I enlighet med den gemensamma överenskommelsen om delegerade akter mellan Europaparlamentet, rådet och kommissionen, och utan att det påverkar kommande revideringar, bör kommissionen beakta såväl perioden för invändningar som Europaparlamentets och rådets förfaranden när det gäller datumet för överlämnandet av den delegerade akten. Vidare bör, i enlighet med den gemensamma överenskommelsen om delegerade akter och utan att det påverkar kommande revideringar och, i tillämpliga fall förordning (EU) nr 1094/2010, adekvat insyn och vederbörliga kontakter med Europaparlamentet och rådet säkerställas innan den delegerade akten antas.

(70) Eiopas behandling av personuppgifter inom ramen för detta direktiv bör styras av Europaparlamentets och rådets direktiv 95/46/EG (1), och av Europaparlamentets och rådets förordning (EG) nr 45/2001 (2), under tillsyn av Europeiska datatillsynsmannen.

(71) Detta direktiv respekterar de grundläggande rättigheter och principer som erkänns i Europeiska unionens stadga om de grundläggande rättigheterna, såsom de fastställs i fördragen.

(72) Detta direktiv bör inte vara alltför betungande för små och medelstora försäkrings- och återförsäkringsdistributörer. Ett av sätten att uppnå detta mål är en korrekt tillämpning av proportionalitetsprincipen. Den principen bör tillämpas såväl på kraven på försäkrings- och återförsäkringsdistributörer som på tillsynsutövningen.

(73) Detta direktiv bör ses över fem år efter den dag då det träder i kraft, så att marknadsutvecklingen och utvecklingen på

andra områden av unionsrätten eller medlemsstaternas erfarenheter av att genomföra unionsrätten kan beaktas, särskilt i fråga om de produkter som omfattas av Europaparlamentets och rådets direktiv 2003/41/EG (3).

(74) Direktiv 2002/92/EG bör upphävas 24 månader efter det att detta direktiv har trätt i kraft. Kapitel III A i direktiv 2002/92/EG bör emellertid utgå med verkan från och med den dag då detta direktiv träder i kraft.

(75) Skyldigheten att införliva detta direktiv med nationell lagstiftning bör endast gälla de bestämmelser som utgör en innehållsmässig ändring i förhållande till direktiv 2002/92/EG. Skyldigheten att införliva de oförändrade bestämmelserna följer av det direktivet.

(76) Detta direktiv bör inte påverka medlemsstaternas skyldigheter vad gäller tidsfristerna för införlivande med nationell lagstiftning av direktiv 2002/92/EG.

(77) Europeiska datatillsynsmannen har hörts i enlighet med artikel 28.2 i förordning (EG) nr 45/2001 och avgav sitt yttrande den 23 november 2012 (4).

(1)	Europaparlamentets och rådets direktiv 95/46/EG av den 24 oktober 1995 om skydd för enskilda personer med avseende på
(2)	behandling av personuppgifter och om det fria flödet av sådana uppgifter (EGT L 281, 23.11.1995, s. 31).
	Europaparlamentets och rådets förordning (EG) nr 45/2001 av den 18 december 2000 om skydd för enskilda då
	gemenskapsinstitutionerna och gemenskapsorganen behandlar personuppgifter och om den fria rörligheten för sådana uppgifter
(3)	(EGT L 8, 12.1.2001, s. 1).
	Europaparlamentets och rådets direktiv 2003/41/EG av den 3 juni 2003 om verksamhet i och tillsyn över tjänstepensionsinstitut
(4)	(EUT L 235, 23.9.2003, s. 10).
	EUT C 100, 6.4.2013, s. 12.

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(78) Eftersom målen för detta direktiv inte i tillräcklig utsträckning kan uppnås av medlemsstaterna utan snarare, på grund av dess omfattning, 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 dessa mål.

(79) Enligt medlemsstaternas och kommissionens gemensamma politiska förklaring av den 28 september 2011 om förklarande dokument har medlemsstaterna åtagit sig att i motiverade fall låta en anmälan av införlivandeåtgärder åtföljas av ett eller flera dokument som beskriver förhållandet mellan de olika delarna i ett direktiv och motsvarande delar i de nationella instrumenten för införlivande. När det gäller detta direktiv anser lagstiftaren det vara motiverat att sådana dokument översänds.

HÄRIGENOM FÖRESKRIVS FÖLJANDE.

KAPITEL I

TILLÄMPNINGSOMRÅDE OCH DEFINITIONER

Artikel 1

Tillämpningsområde

1. I detta direktiv fastställs bestämmelser om inledande och bedrivande av försäkrings- och återförsäkringsdistribution i unionen.

2. Detta direktiv gäller fysiska eller juridiska personer som är etablerade i en medlemsstat eller som önskar etablera sig där för att inleda och bedriva distribution av försäkrings- och återförsäkringsprodukter.

3. Detta direktiv ska inte tillämpas på försäkringsförmedlare som bedriver försäkringsdistributionsverksamhet som sidoverksamhet om samtliga följande villkor är uppfyllda:

a) Att försäkringen kompletterar en vara eller tjänst som tillhandahållits av en leverantör, när en sådan försäkring täcker

i) risken för fel, förlust av eller skada på de varor – eller icke-utnyttjande av den tjänst – som tillhandahållits av den leverantören, eller

ii)skada på eller förlust av bagage och andra risker med anknytning till resa som bokats hos den leverantören.

b) Att det premiebelopp som betalats för försäkringsprodukten inte överstiger 600 EUR, beräknat proportionellt på årsbasis.

c) Att det premiebelopp som betalats per person inte överstiger 200 EUR, med avvikelse från vad som anges i led b, i de fall försäkringen kompletterar en sådan tjänst som avses i led a och den tjänstens varaktighet är lika med eller kortare än tre månader.

4. Medlemsstaterna ska se till att försäkringsföretaget eller försäkringsförmedlaren, när distributionsverksamhet sker via en försäkringsförmedlare som bedriver förmedling som sidoverksamhet som undantagits från tillämpningen av detta direktiv enligt punkt 3, säkerställer att

a) information tillhandahålls kunden innan avtalet ingås, med uppgifter om dess identitet och adress och om de förfaranden som avses i artikel 14 och som gör det möjligt för kunder och andra berörda parter att anmäla klagomål,

b) det införts ändamålsenliga och proportionerliga system som är förenliga med artiklarna 17 och 24 och som beaktar kundens krav och behov innan avtalsförslaget läggs fram,

c) det försäkringsproduktfaktablad som avses i artikel 20.5 ges till kunden innan avtalet ingås.

5. Medlemsstaterna ska se till att de behöriga myndigheterna utövar tillsyn över marknaden, inbegripet marknaden för sidoordnade försäkringsprodukter som marknadsförs, distribueras eller säljs i eller från deras medlemsstat. Eiopa kan underlätta och samordna denna tillsyn.

6. Detta direktiv ska inte tillämpas på försäkrings- och återförsäkringsdistributionsverksamhet som utövas för risker och åtaganden utanför unionen.

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Detta direktiv påverkar inte en medlemsstats lagstiftning om försäkrings- och återförsäkringsdistributionsverksamhet som utövas av försäkrings- och återförsäkringsföretag eller förmedlare som är etablerade i tredjeland och som är verksamma på medlemsstatens territorium med stöd av principen om friheten att tillhandahålla tjänster, under förutsättning att det kan garanteras att samtliga personer som utövar eller har rätt att utöva försäkrings- och återförsäkringsdistributionsverksamhet på den marknaden behandlas lika.

Genom detta direktiv regleras inte försäkrings- eller återförsäkringsdistributionsverksamhet i tredjeland.

Medlemsstaterna ska underrätta kommissionen om alla svårigheter av allmän natur som deras försäkrings- eller återförsäkringsdistributörer möter vid etablering eller bedrivande av försäkrings- eller återförsäkringsdistributions- verksamhet i tredjeländer.

Artikel 2

Definitioner

1. I detta direktiv gäller följande definitioner:

1. försäkringsdistribution: verksamhet som består i att ge råd om, föreslå eller utföra annat förberedande arbete inför ingåendet av försäkringsavtal, att ingå sådana avtal eller att bistå vid förvaltning och fullgörande av sådana avtal, särskilt vid skada, inbegripet tillhandahållande av information om ett eller flera försäkringsavtal i enlighet med kriterier som kunder väljer via en webbplats eller andra medier samt sammanställande av en rangordningslista med försäkrings- produkter, inklusive pris- och produktjämförelser, eller rabatter på försäkringsavtalspremier, när kunden direkt eller indirekt kan ingå ett försäkringsavtal med hjälp av en webbplats eller andra medier, ska betraktas som försäkringsdistribution.

2. återförsäkringsdistribution: verksamhet som består i att ge råd om, föreslå eller utföra annat förberedande arbete inför ingåendet av återförsäkringsavtal, att ingå sådana avtal eller att bistå vid förvaltning och fullgörande av sådana avtal, särskilt vid skada, inklusive när verksamheten bedrivs av ett återförsäkringsföretag utan medverkan av en återförsäkringsförmedlare.

3. försäkringsförmedlare: varje fysisk eller juridisk person – utom försäkrings- eller återförsäkringsföretag eller deras anställda och utom försäkringsförmedlare som bedriver förmedling som sidoverksamhet – som mot ersättning inleder eller bedriver försäkringsdistribution.

4. försäkringsförmedlare som bedriver förmedling som sidoverksamhet: varje fysisk eller juridisk person – utom kreditinstitut

eller värdepappersföretag enligt definitionen i artikel 4.1.1 och 4.1.2 i Europaparlamentets och rådets förordning (EU) nr 575/2013 (1) – som mot ersättning inleder eller bedriver försäkringsdistribution som sidoverksamhet, under förutsättning att samtliga följande villkor är uppfyllda:

a) Den fysiska eller juridiska personen i fråga har inte försäkringsförmedling som huvudsaklig yrkesverksamhet.

b) Den fysiska eller juridiska personen distribuerar bara vissa försäkringsprodukter som kompletterar en vara eller en tjänst.

c) De berörda försäkringsprodukterna täcker inte livförsäkring eller ansvarsförsäkring, utom när sådant skydd kompletterar den vara eller tjänst som förmedlaren tillhandahåller som huvudsaklig yrkesverksamhet.

5. återförsäkringsförmedlare: varje fysisk eller juridisk person – utom återförsäkringsföretag eller deras anställda som mot ersättning inleder eller bedriver försäkringsdistribution.

6. försäkringsföretag: ett företag enligt definitionen i artikel 13.1 i Europaparlamentets och rådets direktiv 2009/138/EG (2).

(1)	Europaparlamentets och rådets förordning (EU) nr 575/2013 av den 26 juni 2013 om tillsynskrav för kreditinstitut och
(2)	värdepappersföretag och om ändring av förordning (EU) nr 648/2012 (EUT L 176, 27.6.2013, s. 1).
	Europaparlamentets och rådets direktiv 2009/138/EG av den 25 november 2009 om upptagande och utövande av försäkrings- och

återförsäkringsverksamhet (Solvens II) (EUT L 335, 17.12.2009, s. 1).

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7. återförsäkringsföretag: ett återförsäkringsföretag enligt definitionen i artikel 13.4 i direktiv 2009/138/EG.

8. försäkringsdistributör: varje försäkringsförmedlare, försäkringsförmedlare som bedriver förmedling som sidoverksamhet eller försäkringsföretag.

9. ersättning: alla provisioner, ersättningar, kostnader eller andra betalningar, inbegripet ekonomiska ersättningar av alla slag eller eventuella andra finansiella eller icke-finansiella förmåner eller incitament, som erbjuds eller utbetalas med avseende på försäkringsdistributionsverksamhet.

10. hemmedlemsstat:

a) om förmedlaren är en fysisk person, den medlemsstat där förmedlaren har sin hemvist,

b) om förmedlaren är en juridisk person, den medlemsstat där förmedlarens säte är beläget, eller, om förmedlaren enligt nationell rätt inte har något säte, den medlemsstat där förmedlarens huvudkontor är beläget.

11. värdmedlemsstat: den medlemsstat där en försäkrings- eller återförsäkringsförmedlare har en permanent närvaro eller ett etableringsställe eller tillhandahåller tjänster, och som inte är förmedlarens hemmedlemsstat.

12. filial: en förmedlares agentur eller filial som är belägen i en annan medlemsstat än hemmedlemsstaten.

13. nära förbindelser: nära förbindelser enligt definitionen i artikel 13.17 i direktiv 2009/138/EG.

14. huvudsakligt verksamhetsställe: den plats där den huvudsakliga verksamheten bedrivs.

15. rådgivning: tillhandahållande av en personlig rekommendation till en kund, antingen på dennes begäran eller på initiativ av försäkringsdistributören, i fråga om ett eller flera försäkringsavtal.

16. stora risker: stora risker enligt definitionen i artikel 13.27 i direktiv 2009/138/EG.

17. försäkringsbaserad investeringsprodukt: en investeringsprodukt med ett förfallo- eller återköpsvärde och vars förfallo- eller återköpsvärde helt eller delvis är direkt eller indirekt exponerat mot marknadsvolatilitet, förutom

a) skadeförsäkringsprodukter enligt förteckningen i bilaga I till direktiv 2009/138/EG (skadeförsäkringsklasser),

b) livförsäkringsavtal där ersättning enligt avtalet endast betalas ut vid dödsfall eller vid invaliditet till följd av skada, sjukdom eller funktionsnedsättning,

c) pensionsprodukter som enligt nationell rätt erkänts ha som främsta syfte att ge investeraren inkomst vid pensionering och berättigar investeraren till vissa ersättningar,

d) officiellt erkända tjänstepensionssystem som omfattas av tillämpningsområdet för direktiv 2003/41/EG eller direktiv 2009/138/EG,

e) individuella pensionsprodukter för vilka ett finansiellt bidrag från arbetsgivaren krävs enligt nationell rätt och där arbetsgivaren eller arbetstagaren inte kan välja pensionsprodukt eller vem som tillhandahåller pensionsprodukten.

18. varaktigt medium: varje instrument som

a) gör det möjligt för kunden att bevara information som riktas till denne personligen, på ett sätt som är tillgängligt för användning i framtiden under en tid som är lämplig med hänsyn till vad som är avsikten med informationen, och

b) tillåter oförändrad återgivning av den bevarade informationen.

2. Vid tillämpningen av leden 1 och 2 i punkt 1 ska följande verksamheter inte betraktas som försäkrings- eller återförsäkringsdistribution:

a) Tillhandahållande av information i enskilda fall inom ramen för annan yrkesverksamhet om

i) leverantören inte vidtar några ytterligare åtgärder för att bistå med ingåendet eller fullgörandet av ett försäkringsavtal,

ii)denna verksamhet inte syftar till att bistå kunden med ingåendet eller fullgörandet av ett återförsäkringsavtal.

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b) Yrkesmässig handläggning av ett försäkrings- eller återförsäkringsföretags skador samt värdering och reglering av skador.

c) Verksamhet som består i att enbart lägga fram data och information om presumtiva försäkringstagare för försäkringsförmedlare, återförsäkringsförmedlare, försäkringsföretag eller återförsäkringsföretag, om leverantören inte vidtar några ytterligare åtgärder för att bistå med ingåendet av ett försäkrings- eller återförsäkringsavtal.

d) Verksamhet som består i att enbart lägga fram information om försäkrings- eller återförsäkringsprodukter, en försäkringsförmedlare, en återförsäkringsförmedlare, ett försäkringsföretag eller ett återförsäkringsföretag för presumtiva försäkringstagare, om leverantören inte vidtar några ytterligare åtgärder för att bistå med ingåendet av ett försäkrings- eller återförsäkringsavtal.

KAPITEL II

REGISTRERINGSKRAV

Artikel 3

Registrering

1. Försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet ska registreras i sin hemmedlemsstat vid en behörig myndighet.

Försäkrings- och återförsäkringsföretag samt deras anställda ska inte behöva registrera sig enligt detta direktiv.

Utan att det påverkar tillämpningen av första stycket, får medlemsstaterna föreskriva att försäkrings- och återförsäkrings- företag och förmedlare samt andra organ får samarbeta med de behöriga myndigheterna vid registrering av försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet samt vid tillämpning av de krav som fastställs i artikel 10.

I synnerhet får försäkrings och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet registreras av ett försäkrings- eller återförsäkringsföretag, en försäkrings- eller återförsäkringsförmedlare, eller av en sammanslutning av försäkrings- eller återförsäkringsföretag eller försäkrings- eller återförsäkringsförmedlare som står under tillsyn av en behörig myndighet.

En försäkrings- eller återförsäkringsförmedlare eller en försäkringsförmedlare som bedriver förmedling som sidoverksamhet får agera på ett försäkrings- eller återförsäkringsföretags ansvar eller på en annan förmedlares ansvar. I ett sådant fall får medlemsstaterna föreskriva att försäkrings- eller återförsäkringsföretaget eller den andra förmedlaren ska ansvara för att försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet uppfyller villkoren för registrering, däribland de villkor som anges i punkt 6 första stycket c.

Medlemsstaterna får också föreskriva att det försäkrings- eller återförsäkringsföretag eller den andra förmedlare som påtar sig ansvaret för försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet registrerar den sistnämnda förmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet.

Medlemsstaterna behöver inte tillämpa det krav som avses i första stycket på alla fysiska personer som arbetar hos en försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet och som utövar försäkrings- eller återförsäkringsdistribution.

Medlemsstaterna ska se till att registren omfattar namnen på de fysiska personer i ledningen vid försäkrings- eller återförsäkringsdistributören som ansvarar för försäkrings- eller återförsäkringsdistributionen.

I registret ska dessutom de medlemsstater anges i vilka förmedlaren är verksam enligt bestämmelserna om etableringsfrihet eller friheten att tillhandahålla tjänster.

2. Medlemsstaterna får upprätta fler än ett register för försäkrings- och återförsäkringsförmedlare samt försäkrings- förmedlare som bedriver förmedling som sidoverksamhet, förutsatt att de fastställer kriterier för registrering av förmedlarna.

Medlemsstaterna ska införa ett registreringssystem online. Det systemet ska vara lättillgängligt och medge att registreringsblanketten fylls i direkt online.

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3. Om det finns fler än ett register i en medlemsstat ska den medlemsstaten inrätta ett enda informationsställe som gör det möjligt att snabbt och enkelt få tillgång till upplysningar från dessa register och vilka ska upprättas på elektronisk väg samt uppdateras. Det informationsstället ska även innehålla upplysningar om de behöriga myndigheterna i hem- medlemsstaten.

4. Eiopa ska upprätta, på sin webbplats offentliggöra och hålla uppdaterat ett gemensamt elektroniskt register med upplysningar om försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som har anmält en avsikt att bedriva gränsöverskridande verksamhet i enlighet med kapitel III. Medlemsstaterna ska skyndsamt ge Eiopa relevant information så att myndigheten kan utföra denna uppgift. Registret ska innehålla länkar till och vara tillgängligt från respektive webbplats för varje medlemsstats behöriga myndigheter.

Eiopa ska ha rätt att få tillgång till uppgifter som lagras i registret som avses i första stycket. Eiopa och de behöriga myndigheterna ska ha rätt att ändra sådana uppgifter. Registrerade personer vars personuppgifter lagras i registret och utbyts ska ha rätt till åtkomst till sådana lagrade uppgifter och ha rätt att på lämpligt sätt informeras.

Eiopa ska upprätta en webbplats med länkar till varje enskilt informationsställe eller i förekommande fall det register som medlemsstaterna inrättat i enlighet med punkt 3.

Hemmedlemsstater ska se till att registrering av försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet endast är möjlig om de relevanta kraven som fastställs i artikel 10 är uppfyllda.

Den behöriga myndigheten ska regelbundet göra en översyn av registreringens giltighet.

Hemmedlemsstater ska se till att försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som inte längre uppfyller kraven i artikel 10 tas bort ur registret. I förekommande fall ska hemmedlemsstaten underrätta värdmedlemsstaten om sådan borttagning.

5. Medlemsstaterna ska se till att ansökningar från förmedlare om att tas med i registret behandlas inom tre månader från det att en fullständig ansökan lämnats in, och att den sökande skyndsamt underrättas om beslutet.

6. Medlemsstaterna ska se till att samtliga följande uppgifter begärs in från försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet som ett villkor för registrering:

a) Uppgifter om identiteten avseende sådana aktieägare eller delägare, oavsett om de är fysiska eller juridiska personer, som har ett innehav i förmedlingsföretaget som överstiger 10 % och om hur stora dessa innehav är.

b) Uppgifter om identiteten avseende personer som har nära förbindelser med förmedlaren.

c) Uppgifter om att innehavet eller de nära förbindelserna inte hindrar de behöriga myndigheterna från att på ett ändamålsenligt sätt utöva sin tillsyn.

Medlemsstaterna ska se till att förmedlarna utan oskäligt dröjsmål underrättar de behöriga myndigheterna ifall några ändringar sker i de uppgifter som tillhandahållits enligt denna punkt.

7. Medlemsstaterna ska se till att de behöriga myndigheterna nekar registrering om lagar och andra författningar i ett tredjeland som reglerar en eller flera fysiska eller juridiska personer med vilken eller vilka förmedlaren har nära förbindelser, eller svårigheter att kontrollera efterlevnaden av dessa lagar och andra författningar, hindrar myndigheterna från att på ett ändamålsenligt sätt utöva sin tillsyn.

KAPITEL III

FRIHET ATT TILLHANDAHÅLLA TJÄNSTER OCH ETABLERINGSFRIHET

Artikel 4

Utövande av friheten att tillhandahålla tjänster

1. Varje försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som avser att för första gången inleda verksamhet på en annan medlemsstats territorium inom ramen för friheten att tillhandahålla tjänster ska lämna följande uppgifter till den behöriga myndigheten i sin hemmedlemsstat:

a) Förmedlarens namn, adress och, om tillämpligt, registreringsnummer.

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b) Den eller de medlemsstater där förmedlaren avser att bedriva verksamhet.

c) Kategori av förmedlare och, om tillämpligt, namn på det eller de försäkrings- eller återförsäkringsföretag som representeras.

d) Relevanta försäkringsklasser, om tillämpligt.

2. Hemmedlemsstatens behöriga myndighet ska inom en månad efter att ha mottagit de uppgifter som avses i punkt 1 vidarebefordra dessa uppgifter till värdmedlemsstatens behöriga myndighet, som ska bekräfta mottagande av dessa utan dröjsmål. Den behöriga myndigheten i hemmedlemsstaten ska informera försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet skriftligen om att uppgifterna har mottagits av den behöriga myndigheten i värdmedlemsstaten och att förmedlaren kan inleda verksamhet i värdmedlemsstaten. I tillämpliga fall ska den behöriga myndigheten i hemmedlemsstaten samtidigt underrätta förmedlaren om att information om de rättsliga bestämmelser som avses i artikel 11.1 och som är tillämpliga i värdmedlemsstaten finns att tillgå på de sätt som avses i artikel 11.3 och 11.4, och vidare om att förmedlaren måste följa de bestämmelserna för att få inleda verksamhet i värdmedlemsstaten.

3. Om någon av de uppgifter som lämnats i enlighet med punkt 1 ändras ska försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet meddela ändringen till hemmedlemsstatens behöriga myndighet minst en månad innan ändringen genomförs. Hemmedlemsstatens behöriga myndighet ska också informera värdmedlemsstatens behöriga myndighet om ändringen så snart som det är praktiskt möjligt och senast en månad från den dag då den mottog meddelandet om ändring.

Artikel 5

Bristande fullgörande av skyldigheter vid utövande av friheten att tillhandahålla tjänster

1. Om den behöriga myndigheten i värdmedlemsstaten har skäl att anse att en försäkrings- eller återförsäkrings- förmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som är verksam inom dess territorium inom ramen för friheten att tillhandahålla tjänster underlåter att fullgöra någon av de skyldigheter som fastställs i detta direktiv, ska den underrätta den behöriga myndigheten i hemmedlemsstaten om dessa skäl.

Efter att ha gjort en bedömning av den information som mottagits enligt första stycket ska den behöriga myndigheten i hemmedlemsstaten i förekommande fall och så snart det är möjligt vidta erforderliga åtgärder för att avhjälpa situationen. Den ska underrätta värdmedlemsstatens behöriga myndighet om eventuella sådana vidtagna åtgärder.

Om försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet – trots de åtgärder som vidtagits av hemmedlemsstaten eller på grund av att åtgärderna visat sig vara otillräckliga eller inte vidtagits – fortsätter att agera på ett sätt som tydligt skadar intressena för värdmedlemsstatens konsumenter i stort eller hindrar försäkrings- och återförsäkringsmarknaderna att fungera väl, får den behöriga myndigheten i värdmedlemsstaten, efter att ha informerat den behöriga myndigheten i hemmedlemsstaten, vidta erforderliga åtgärder för att förhindra ytterligare avvikelser, inklusive att – i den mån som det är helt nödvändigt – hindra den berörda förmedlaren att fortsätta bedriva ny verksamhet inom dess territorium.

Vidare får den behöriga myndigheten i hemmedlemsstaten eller värdmedlemsstaten hänskjuta ärendet till Eiopa och begära dess biträde i enlighet med artikel 19 i förordning (EU) nr 1094/2010. I detta fall kan Eiopa agera i enlighet med de befogenheter myndigheten tilldelats genom den artikeln.

2. Punkt 1 ska inte påverka möjligheterna för en värdmedlemsstat att vidta erforderliga åtgärder för att inom sitt territorium förhindra eller bestraffa överträdelser, i situationer där omedelbar åtgärd krävs för att skydda konsumenternas rättigheter. Sådana åtgärder ska innefatta möjligheten att hindra försäkrings- och återförsäkringsförmedlare samt försäkringsförmedlare som bedriver förmedling som sidoverksamhet att bedriva ny verksamhet inom dess territorium.

3. Information om eventuella åtgärder som vidtagits av de behöriga myndigheterna i värdmedlemsstaten enligt denna artikel ska utan oskäligt dröjsmål meddelas den berörda försäkrings- eller återförsäkringsförmedlaren eller försäkrings- förmedlaren som bedriver förmedling som sidoverksamhet – tillsammans med en vederbörlig motivering – samt den behöriga myndigheten i hemmedlemsstaten, Eiopa och kommissionen.

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Artikel 6

Utövande av etableringsfriheten

1. Medlemsstaterna ska se till att försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som avser att utöva sin etableringsfrihet genom att etablera en filial eller en permanent närvaro på en annan medlemsstats territorium ska underrätta sin hemmedlemsstats behöriga myndighet och lämna följande uppgifter till den behöriga myndigheten:

a) Förmedlarens namn, adress och, om tillämpligt, registreringsnummer.

b) Den medlemsstat på vars territorium förmedlaren avser att etablera en filial eller en permanent närvaro.

c) Kategori av förmedlare och, om tillämpligt, namn på det eller de försäkrings- eller återförsäkringsföretag som representeras.

d) Relevanta försäkringsklasser, om tillämpligt.

e) Den adress i värdmedlemsstaten där dokument kan erhållas.

f) Namn på den person som ska ansvara för ledningen av filialen eller den permanenta närvaron.

Varje förmedlare som är permanent närvarande på en annan medlemsstats territorium och som är likvärdig med en filial ska behandlas på samma sätt som en filial, såvida inte förmedlaren lagligen etablerar sådan permanent närvaro i en annan juridisk form.

2. Såvida hemmedlemsstatens behöriga myndighet inte har skäl att betvivla att försäkrings- eller återförsäkrings- förmedlares eller försäkringsförmedlare som bedriver förmedling som sidoverksamhets organisatoriska struktur eller ekonomiska situation är otillräcklig med beaktande av den planerade distributionsverksamheten, ska den inom en månad efter att ha mottagit de uppgifter som avses i punkt 1 vidarebefordra dessa uppgifter till värdmedlemsstatens behöriga myndighet, som ska bekräfta mottagandet av uppgifterna utan dröjsmål. Den behöriga myndigheten i hemmedlemsstaten ska informera försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet skriftligen om att uppgifterna har mottagits av den behöriga myndigheten i värdmedlemsstaten.

Inom en månad efter mottagandet av de uppgifter som avses i första stycket i denna punkt ska värdmedlemsstatens behöriga myndighet på de sätt som avses i artikel 11.3 och 11.4 underrätta hemmedlemsstatens behöriga myndighet om de rättsliga bestämmelser som avses i artikel 11.1 och som är tillämpliga i värdmedlemsstaten. Den behöriga myndigheten i hemmedlemsstaten ska underrätta förmedlaren om detta och om att förmedlaren får inleda verksamhet i värdmedlemsstaten förutsatt att verksamheten är förenlig med nämnda rättsliga bestämmelser.

Om ingen underrättelse mottas inom den period som anges i andra stycket får försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet etablera filialen och inleda verksamhet.

3. Om hemmedlemsstatens behöriga myndighet avslår begäran att vidarebefordra uppgifterna som avses i punkt 1 till värdmedlemsstatens behöriga myndighet, ska den meddela försäkrings- eller återförsäkringsförmedlare eller försäkrings- förmedlare som bedriver förmedling som sidoverksamhet skälen till denna vägran inom en månad efter att ha mottagit samtliga de uppgifter som avses i punkt 1.

Ett avslag som avses i första stycket eller underlåtenhet av hemmedlemsstatens behöriga myndighet att vidarebefordra uppgifterna som avses i punkt 1 ska kunna bli föremål för domstolsprövning i hemmedlemsstaten.

4. Om någon av de uppgifter som lämnats i enlighet med punkt 1 ändras ska en försäkrings- eller återförsäkrings- förmedlare eller en försäkringsförmedlare som bedriver förmedling som sidoverksamhet meddela ändringen till hemmedlemsstatens behöriga myndighet minst en månad innan ändringen genomförs. Hemmedlemsstatens behöriga myndighet ska också informera värdmedlemsstatens behöriga myndighet om ändringen så snart som det är praktiskt möjligt och senast en månad från den dag då den mottog meddelandet om ändring.

Artikel 7

Uppdelning av befogenheter mellan hemmedlemsstater och värdmedlemsstater

1. Om det huvudsakliga verksamhetsstället för en försäkrings- eller återförsäkringsförmedlare eller försäkrings- förmedlare som bedriver förmedling som sidoverksamhet är beläget i en annan medlemsstat än hemmedlemsstaten kan den behöriga myndigheten i den andra medlemsstaten överenskomma med hemmedlemsstatens behöriga myndighet att den ska

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agera som behörig myndighet i hemmedlemsstaten i fråga om bestämmelserna i kapitlen IV, V, VI och VII. Om en sådan överenskommelse nås ska hemmedlemsstatens behöriga myndighet utan dröjsmål informera försäkrings- eller återförsäk- ringsförmedlaren eller den försäkringsförmedlare som bedriver förmedling som sidoverksamhet och Eiopa.

2. Värdmedlemsstatens behöriga myndighet ska ha ansvaret för att säkerställa att tillhandahållandet av tjänster från etableringsstället på dess territorium sker i enlighet med de skyldigheter som anges i kapitlen V och VI och de bestämmelser som antagits i enlighet med dessa kapitel.

Värdmedlemsstatens behöriga myndighet ska ha rätt att granska arrangemangen för etablering och begära de ändringar som är nödvändiga för att myndigheten ska kunna kontrollera fullgörandet av skyldigheterna enligt kapitlen V och VI och de bestämmelser som antagits i enlighet med dessa kapitel, när det gäller de tjänster som tillhandahålls eller den verksamhet som bedrivs av etableringsstället på dess territorium.

Artikel 8

Bristande fullgörande av skyldigheter vid utövande av etableringsfriheten

1. Om den behöriga myndigheten i en värdmedlemsstat fastställer att en försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet överträder sådana lagar eller andra författningar som antagits i den medlemsstaten enligt bestämmelserna i kapitlen V och VI, får den myndigheten föreslå nödvändiga åtgärder.

2. Om värdmedlemsstatens behöriga myndighet har skäl att anse att en försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som verkar på dess territorium via ett etableringsställe överträder någon av de skyldigheter som anges i detta direktiv och om den behöriga myndigheten inte är ansvarig i enlighet med artikel 7.2, ska den meddela dessa slutsatser till hemmedlemsstatens behöriga myndighet. Efter att ha gjort en bedömning av den information som mottagits ska den behöriga myndigheten i hemmedlemsstaten i förekommande fall och så snart det är möjligt vidta erforderliga åtgärder för att avhjälpa bristerna. Den ska underrätta värdmedlemsstatens behöriga myndighet om eventuella sådana vidtagna åtgärder.

3. Om försäkrings- eller återförsäkringsförmedlaren eller den försäkringsförmedlare som bedriver förmedling som sidoverksamhet – trots de åtgärder som vidtagits av hemmedlemsstaten eller på grund av att åtgärderna visat sig vara otillräckliga eller inte vidtagits – fortsätter att agera på ett sätt som tydligt skadar intressena för värdmedlemsstatens konsumenter i stort eller hindrar försäkrings- och återförsäkringsmarknaderna att fungera väl, får den behöriga myndigheten i värdmedlemsstaten, efter att ha informerat den behöriga myndigheten i hemmedlemsstaten, vidta erforderliga åtgärder för att förhindra ytterligare avvikelser, inklusive att – i den mån som det är helt nödvändigt – hindra den berörda förmedlaren att fortsätta bedriva ny verksamhet inom dess territorium.

Vidare får den behöriga myndigheten i hemmedlemsstaten eller värdmedlemsstaten hänskjuta ärendet till Eiopa och begära dess biträde i enlighet med artikel 19 i förordning (EU) nr 1094/2010. I detta fall kan Eiopa agera i enlighet med de befogenheter myndigheten tilldelats genom den artikeln.

4. Punkterna 2 och 3 får inte påverka möjligheterna för värdmedlemsstaten att vidta erforderliga och icke- diskriminerande åtgärder för att inom sitt territorium förhindra eller bestraffa överträdelser, i situationer där omedelbar åtgärd krävs för att skydda konsumenternas rättigheter i värdmedlemsstaten, när motsvarande åtgärder är otillräckliga eller saknas i hemmedlemsstaten. I sådana situationer ska värdmedlemsstaten ha möjligheten att hindra den berörda försäkrings- eller återförsäkringsförmedlaren eller den försäkringsförmedlare som bedriver förmedling som sidoverksamhet att bedriva ny verksamhet inom dess territorium.

5. Information om åtgärder som vidtagits av de behöriga myndigheterna i värdmedlemsstaten enligt denna artikel ska utan oskäligt dröjsmål meddelas den berörda försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet – tillsammans med en vederbörlig motivering – samt den behöriga myndigheten i hemmedlemsstaten, Eiopa och kommissionen.

Artikel 9

Befogenheter när det gäller nationella bestämmelser som utfärdats med hänsyn till allmänintresset

1. Detta direktiv ska inte påverka möjligheterna för värdmedlemsstaterna att – i den mån som det är helt nödvändigt – vidta erforderliga och icke-diskriminerande åtgärder för att inom sitt territorium bestraffa överträdelser som inte är förenliga med deras rättsliga bestämmelser som avses i artikel 11.1. I sådana situationer ska värdmedlemsstaterna ha möjligheten att hindra den berörda försäkrings- eller återförsäkringsförmedlaren eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhet att bedriva ny verksamhet inom deras territorier.

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2. Vidare ska detta direktiv inte påverka möjligheterna för värdmedlemsstatens behöriga myndighet att vidta erforderliga åtgärder för att hindra en försäkringsdistributör som är etablerad i en annan medlemsstat att bedriva verksamhet inom dess territorium inom ramen för friheten att tillhandahålla tjänster eller, i tillämpliga fall, etableringsfriheten, om verksamheten i fråga helt eller huvudsakligen är inriktad på värdmedlemsstatens territorium med enda syfte att kringgå de rättsliga bestämmelser som skulle vara tillämpliga om den berörda försäkringsdistributören hade sin hemvist eller sitt säte i den värdmedlemsstaten, och om dess verksamhet dessutom allvarligt hotar försäkrings- och återförsäkringsmarknadernas sätt att fungera i värdmedlemsstaten med avseende på konsumentskyddet. I ett sådant fall får värdmedlemsstatens behöriga myndighet, efter att ha informerat hemmedlemsstatens behöriga myndighet, vidta alla erforderliga åtgärder gentemot den försäkringsdistributören i fråga för att skydda konsumenternas rättigheter i värdmedlemsstaten. De involverade behöriga myndigheterna får hänskjuta ärendet till Eiopa och begära dess biträde i enlighet med artikel 19 i förordning (EU) nr 1094/ 2010, och i ett sådant fall kan Eiopa agera i enlighet med de befogenheter myndigheten tilldelats genom den artikeln i fall där värdmedlemsstatens och hemmedlemsstatens behöriga myndigheter inte är överens.

KAPITEL IV

KRAV PÅ ORGANISATION AV VERKSAMHETEN

Artikel 10

Yrkeskrav och krav på organisation av verksamheten

1. Hemmedlemsstaterna ska se till att försäkrings- och återförsäkringsdistributörer och anställda hos försäkrings- och återförsäkringsföretag som utför försäkrings- eller återförsäkringsdistributionsverksamhet har lämplig kunskap och kompetens så att de kan fullgöra sina uppgifter och skyldigheter på ett tillfredsställande sätt.

2. Hemmedlemsstaterna ska se till att försäkrings- och återförsäkringsförmedlare, anställda hos försäkrings- och återförsäkringsföretag och anställda hos försäkrings- och återförsäkringsförmedlare uppfyller kraven på fortlöpande fortbildning och yrkesutveckling så att de kan utföra sina arbetsuppgifter på ett tillfredsställande sätt som motsvarar deras roll och den relevanta marknaden.

I det avseendet ska hemmedlemsstaterna införa och offentliggöra processer för att på ett ändamålsenligt sätt kontrollera och bedöma kunskapen och kompetensen hos försäkrings- och återförsäkringsförmedlare, anställda hos försäkrings- och återförsäkringsföretag och anställda hos försäkrings- och återförsäkringsförmedlare, baserat på minst 15 timmars fortbildning eller yrkesutveckling per år, med beaktande av de sålda produkternas karaktär, typen av distributör, personernas respektive roller och den verksamhet som bedrivs inom försäkrings- eller återförsäkringsdistributören.

Hemmedlemsstaten får föreskriva att ett framgångsrikt fullgörande av den erfordrade fortbildningen och yrkesutvecklingen styrks genom ett intyg.

Medlemsstaterna ska anpassa kraven på kunskaper och kompetens i förhållande till försäkrings- eller återförsäkrings- distributörernas särskilda verksamhet och till de produkter som distribueras, särskilt i fall av försäkringsförmedlare som bedriver förmedling som sidoverksamhet. Medlemsstaterna får i de fall som avses i artikel 3.1 tredje stycket och för anställda hos försäkrings- eller återförsäkringsföretag som utför försäkrings- eller återförsäkringsdistribution kräva att försäkrings- eller återförsäkringsföretaget eller försäkrings- eller återförsäkringsförmedlaren ska kontrollera att förmedlarnas kunskaper och kompetens stämmer överens med kraven i punkt 1, samt att företaget eller förmedlaren vid behov ska tillhandahålla sådana förmedlare fortbildnings- eller yrkesutvecklingsresurser som motsvarar de krav som gäller för de produkter som säljs av dessa förmedlare.

Medlemsstaterna behöver inte tillämpa kravet i punkt 1 och i första stycket i denna punkt på alla fysiska personer som arbetar på ett försäkrings- eller återförsäkringsföretag eller hos en försäkrings- eller återförsäkringsförmedlare och som bedriver försäkrings- eller återförsäkringsdistribution, men medlemsstaterna ska säkerställa att de relevanta personerna i ledningen för sådana företag som ansvarar för distributionen av försäkrings- och återförsäkringsprodukter samt alla andra personer som direkt deltar i distributionen av försäkringar eller återförsäkringar uppvisar de kunskaper och den kompetens som krävs för att utföra arbetet.

Försäkrings- och återförsäkringsförmedlare ska uppvisa överensstämmelse med de relevanta yrkeskunskaps- och kompetenskraven som föreskrivs i bilaga I.

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3. Fysiska personer som arbetar på ett försäkrings- eller återförsäkringsföretag eller hos en försäkrings- eller återförsäkringsförmedlare och som utför försäkrings- eller återförsäkringsdistribution ska ha god vandel. Ett minimikrav är att de inte har några anmärkningar i belastningsregistret eller i något annat motsvarande nationellt register för allvarliga brott med anknytning till egendomsbrott eller andra brott i samband med ekonomisk verksamhet, och de ska inte tidigare ha försatts i konkurs, såvida de inte har blivit rehabiliterade i enlighet med nationell rätt.

Medlemsstaterna får i enlighet med artikel 3.1 tredje stycket tillåta att försäkrings- eller återförsäkringsdistributören kontrollerar att dess anställdas och, i de fall där det är lämpligt, försäkrings- eller återförsäkringsförmedlares vandel är god.

Medlemsstaterna behöver inte tillämpa kravet i första stycket i denna punkt på alla fysiska personer som arbetar på ett försäkrings- eller återförsäkringsföretag eller hos en försäkrings- eller återförsäkringsförmedlare, förutsatt att dessa fysiska personer inte är direkt involverade i försäkrings- eller återförsäkringsdistributionen. Medlemsstaterna ska dock säkerställa att de personer i ledningen som ansvarar för – och personal som är direkt involverad i – försäkrings- eller återförsäkringsdistributionen uppfyller kravet.

När det gäller försäkringsförmedlare som bedriver förmedling som sidoverksamhet ska medlemsstaterna se till att de personer som ansvarar för försäkringsdistributionen som sidoverksamhet uppfyller det krav som avses i första stycket.

4. Försäkrings- och återförsäkringsförmedlare ska ha en ansvarsförsäkring som ska omfatta hela unionens territorium eller annan likvärdig garanti för ansvar till följd av fel eller försummelse i verksamheten, vilken minst ska täcka 1 250 000 EUR per skada och totalt 1 850 000 EUR för alla skador under ett år, såvida inte en sådan försäkring eller likvärdig garanti redan tillhandahålls av ett försäkrings- eller återförsäkringsföretag eller annat företag, för vars räkning eller med vars bemyndigande förmedlaren handlar, eller ett sådant företag har tagit fullt ansvar för förmedlarens handlande.

5. Medlemsstaterna ska kräva att försäkringsförmedlare som bedriver förmedling som sidoverksamhet ska ha en ansvarsförsäkring eller likvärdiga garantier på en nivå som fastställs av medlemsstaterna med beaktande av den sålda produktens karaktär och den verksamhet som bedrivs.

6. Medlemsstaterna ska vidta alla nödvändiga åtgärder för att skydda kunderna mot försäkrings- eller återförsäkrings- förmedlarens eller försäkringsförmedlaren som bedriver förmedling som sidoverksamhets oförmåga att överföra premien till försäkringsföretaget eller att överföra ersättningsbeloppet eller en återbetalning av premien till den försäkrade.

Detta ska göras på något eller flera av följande sätt:

a) Bestämmelser i lag eller avtal, varigenom medel som kunden betalat till förmedlaren ska betraktas som betalade till företaget, medan medel som företaget betalat till förmedlaren inte ska betraktas som betalade till kunden förrän kunden verkligen erhåller dem.

b) Ett krav på att förmedlare ska ha ekonomiska resurser som fortlöpande uppgår till 4 % av summan av mottagna årspremier, dock minst 18 750 EUR.

c) Ett krav på att kundmedel ska överföras via strikt avskilda kundkonton och på att dessa konton inte får användas för att gottgöra andra fordringsägare i händelse av konkurs.

d) Ett krav på att en garantifond ska upprättas.

7. Eiopa ska regelbundet se över de belopp som anges i punkterna 4 och 6 med hänsyn till utvecklingen av det europeiska konsumentprisindex som offentliggörs av Eurostat. Den första översynen ska göras senast den 31 december 2017, och därefter ska en översyn göras vart femte år.

Eiopa ska utarbeta utkast till tekniska standarder för tillsyn angående en anpassning av basbeloppen i euro enligt punkterna 4 och 6 som motsvarar den procentuella ändringen av det index som avses i första stycket i denna punkt från den 1 januari 2013 till den 31 december 2017 eller från dagen för den senaste översynen till dagen för den nya översynen, och beloppet ska avrundas uppåt till närmaste 10-tal euro.

Eiopa ska lägga fram dessa utkast till tekniska standarder för tillsyn för kommissionen senast den 30 juni 2018, och därefter ska de kommande utkasten till tekniska standarder för tillsyn läggas fram vart femte år.

Kommissionen ska ges befogenhet att anta de tekniska standarder för tillsyn som avses i andra och tredje stycket i denna punkt i enlighet med artiklarna 10–14 i förordning (EU) nr 1094/2010.

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8. För att säkerställa överensstämmelse med kraven i punkterna 1, 2 och 3, ska försäkrings- och återförsäkringsföretagen godkänna, genomföra och regelbundet se över sina interna policyer och erforderliga interna förfaranden.

Försäkrings- och återförsäkringsföretagen ska ta fram en funktion för att säkerställa ett korrekt genomförande av de policyer och förfaranden som godkänts.

Försäkrings- och återförsäkringsföretagen ska inrätta, upprätthålla och uppdatera register för all relevant dokumentation med avseende på tillämpningen av punkterna 1, 2 och 3. Försäkrings- och återförsäkringsföretagen ska på begäran lämna ut namnet på den person som ansvarar för nämnda funktion till hemmedlemsstatens behöriga myndighet.

Artikel 11

Offentliggörande av bestämmelser för att skydda allmänintresset

1. Medlemsstaterna ska säkerställa att deras behöriga myndigheter på lämpligt sätt offentliggör de relevanta nationella bestämmelser för att skydda allmänintresset som är tillämpliga på bedrivande av försäkrings- och återförsäkrings- distribution på deras territorier, inklusive information om huruvida och hur medlemsstaten har valt att tillämpa de strängare bestämmelser som anges i artikel 29.3.

2. En medlemsstat som önskar tillämpa och redan tillämpar bestämmelser om försäkringsdistribution som går utöver de bestämmelser som anges i detta direktiv ska säkerställa att den administrativa bördan av dessa bestämmelser står i proportion till behovet av konsumentskydd. Medlemsstaten ska kontinuerligt övervaka dessa bestämmelser så att de fortlöpande är förenliga med denna punkt.

3. Eiopa ska på sin webbplats ange länkar till webbplatser för de behöriga myndigheterna där information om bestämmelser för att skydda allmänintresset offentliggörs. De nationella behöriga myndigheterna ska uppdatera sådan information regelbundet, och Eiopa ska göra den tillgänglig på sin webbplats, där samtliga nationella bestämmelser för att skydda allmänintresset ska kategoriseras i olika, relevanta rättsområden.

4. Medlemsstaterna ska inrätta en enda kontaktpunkt som ska ansvara för tillhandahållande av information om bestämmelser för att skydda allmänintresset i respektive medlemsstat. En lämplig behörig myndighet bör utgöra en sådan kontaktpunkt.

5. Eiopa ska före den 23 februari 2019 i en rapport granska och informera kommissionen om de bestämmelser för att skydda allmänintresset som offentliggjorts av medlemsstaterna i enlighet med denna artikel, mot bakgrund av behovet av att detta direktiv och den inre marknaden fungerar väl.

Artikel 12

Behöriga myndigheter

1. Medlemsstaterna ska utse de behöriga myndigheter som har befogenhet att se till att detta direktiv genomförs. Medlemsstaterna ska underrätta kommissionen om detta, med uppgift om eventuell ansvarsuppdelning.

2. De myndigheter som avses i punkt 1 i denna artikel ska vara antingen offentliga myndigheter eller organ som erkänts i nationell rätt eller av en offentlig myndighet som genom nationell rätt har fått uttrycklig behörighet till detta. De får inte vara försäkrings- eller återförsäkringsföretag eller sammanslutningar vars medlemmar direkt eller indirekt innefattar försäkrings- eller återförsäkringsföretag eller försäkrings- eller återförsäkringsförmedlare, utan att detta åsidosätter behöriga myndigheters och andra organs möjligheter att samarbeta där detta uttryckligen föreskrivs enligt artikel 3.1.

3. De behöriga myndigheterna ska ha alla de befogenheter som är nödvändiga för att genomföra sina uppgifter enligt detta direktiv. Om det finns flera behöriga myndigheter på en medlemsstats territorium, ska medlemsstaten sörja för ett nära samarbete dem emellan, så att de kan utföra sina respektive uppgifter på ett effektivt sätt.

Artikel 13

Samarbete och utbyte av information mellan medlemsstaternas behöriga myndigheter

1. De behöriga myndigheterna i de olika medlemsstaterna ska samarbeta sinsemellan och utbyta all relevant information om försäkrings- och återförsäkringsdistributörer för att säkerställa att detta direktiv tillämpas på rätt sätt.

2. De behöriga myndigheterna ska i synnerhet, såväl inom ramen för registreringsprocessen som fortlöpande, utbyta relevant information om god vandel, yrkeskunskap och kompetensen hos försäkrings- och återförsäkringsdistributörer.

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3. De behöriga myndigheterna ska även utbyta information om de försäkrings- och återförsäkringsdistributörer som blivit föremål för en sådan påföljd eller annan åtgärd som avses i kapitel VII, och om sådan information kan få till följd att distributören tas bort ur registret över sådana distributörer.

4. Alla personer som tar emot eller lämnar ut information i samband med detta direktiv ska vara bundna av tystnadsplikt på det sätt som föreskrivs i artikel 64 i direktiv 2009/138/EG.

Artikel 14

Klagomål

Medlemsstaterna skall se till att det inrättas förfaranden som innebär att kunder och andra berörda parter, särskilt konsumentorganisationer, kan anmäla klagomål mot försäkrings- och återförsäkringsdistributörer. Den som klagar ska i samtliga fall erhålla svar.

Artikel 15

Tvistlösning utanför domstol

1. Medlemsstaterna ska se till att det i enlighet med relevanta unionslagstiftningsakter och nationell rätt inrättas adekvata, effektiva, opartiska och oberoende förfaranden för klagomål och tvistlösning utanför domstol för att avgöra tvister mellan kunder och försäkringsdistributörer om rättigheter och skyldigheter enligt detta direktiv, i förekommande fall med användande av befintliga organ. Medlemsstaterna ska se till att dessa förfaranden är tillämpliga på – och det relevanta organets behörighet de facto omfattar – försäkringsdistributörer mot vilka förfaranden inleds.

2. Medlemsstaterna ska säkerställa att de organ som avses i punkt 1 samarbetar för att lösa gränsöverskridande tvister om rättigheterna och skyldigheterna enligt detta direktiv.

Artikel 16

Begränsning av användningen av förmedlare

Medlemsstaterna ska se till att försäkrings- och återförsäkringsföretag och förmedlare, när de utnyttjar tjänster från försäkrings- eller återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet, endast utnyttjar sådana försäkringsdistributionstjänster och återförsäkringsdistributionstjänster som tillhandahålls av registrerade försäkrings- och återförsäkringsförmedlare eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet inbegripet dem som avses i artikel 1.3.

KAPITEL V

INFORMATIONSKRAV OCH UPPFÖRANDEREGLER

Artikel 17

Allmän princip

1. Medlemsstaterna ska se till att försäkringsdistributörer, när de utför försäkringsdistribution, alltid agerar hederligt, rättvist och professionellt i enlighet med sina kunders bästa intresse.

2. Utan att det påverkar Europaparlamentets och rådet direktiv 2005/29/EG (1) ska medlemsstaterna säkerställa att all information med anknytning till innehållet i detta direktiv, däribland marknadsföringsmaterial, som försäkringsdistributörer skickar till kunder eller presumtiva kunder ska vara opartisk, tydlig och inte vilseledande. Marknadsföringsmaterial ska alltid klart och tydligt kunna identifieras som sådant.

3. Medlemsstaterna ska säkerställa att försäkringsdistributörer inte erhåller ersättning, och inte ersätter eller bedömer sina anställdas prestationer, på ett sätt som står i strid med skyldigheten att agera i enlighet med kundernas bästa intresse. I synnerhet får en försäkringsdistributör inte införa system med ersättningar, försäljningsmål eller annat som skulle kunna ge vederbörande eller sina anställda incitament att rekommendera en kund en viss försäkringsprodukt när försäkrings- distributören skulle kunna erbjuda en annan försäkringsprodukt som bättre skulle motsvara kundens behov.

(1)	Europaparlamentets och rådets direktiv 2005/29/EG av den 11 maj 2005 om otillbörliga affärsmetoder som tillämpas av
	näringsidkare 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 (direktiv om otillbörliga affärsmetoder) (EUT L 149, 11.6.2005, s. 22).

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Artikel 18

Allmän information som ska lämnas av försäkringsförmedlaren eller försäkringsföretaget

Medlemsstaterna ska säkerställa följande:

a) Försäkringsförmedlare ska i god tid innan ett försäkringsavtal ingås lämna följande information till kunder:

i) Sin identitet och adress och att den är en försäkringsförmedlare.

ii)Uppgift om huruvida den tillhandahåller rådgivning om de försäkringsprodukter som säljs.

iii)De förfaranden som avses i artikel 14, genom vilka kunder och andra berörda parter kan anmäla klagomål mot försäkringsförmedlare, och uppgift om de förfaranden för klagomål och tvistlösning utanför domstol som avses i artikel 15.

iv)Det register där den finns med och hur det kan kontrolleras att den är registrerad.

v) Uppgift om huruvida förmedlaren företräder kunden eller agerar för försäkringsföretagets räkning.

b) Försäkringsföretag ska i god tid innan ett försäkringsavtal ingås lämna följande information till kunder:

i) Sin identitet och adress och att det är ett försäkringsföretag.

ii)Uppgift om huruvida företaget tillhandahåller rådgivning om de försäkringsprodukter som säljs.

iii)De förfaranden som avses i artikel 14, genom vilka kunder och andra berörda parter kan anmäla klagomål mot försäkringsföretag, och uppgift om de förfaranden för klagomål och tvistlösning utanför domstol som avses i artikel 15.

Artikel 19

Intressekonflikter och öppenhet

1. Medlemsstaterna ska se till att försäkringsförmedlare i god tid innan ett försäkringsavtal ingås lämnar information till kunden om åtminstone följande:

a) Om förmedlaren, direkt eller indirekt, innehar 10 % eller mer av rösterna eller av kapitalet i ett visst försäkringsföretag.

b) Om ett visst försäkringsföretag eller ett moderbolag till ett visst försäkringsföretag, direkt eller indirekt, innehar 10 % eller mer av rösterna eller av kapitalet i försäkringsförmedlaren.

c) I förhållande till det avtal som föreslås eller som det ges rådgivning om, uppgift om huruvida

i) den lämnar rådgivning på grundval av en opartisk och personlig analys,

ii)den är avtalsenligt förpliktad att bedriva försäkringsdistributionsverksamhet uteslutande med ett eller flera försäkringsföretag, i vilket fall den ska ange namnen på dessa försäkringsföretag, eller

iii)den inte är avtalsenligt förpliktad att bedriva försäkringsdistributionsverksamhet uteslutande med ett eller flera försäkringsföretag och inte lämnar rådgivning på grundval av en opartisk och personlig analys, i vilket fall den ska ange namnen på de försäkringsföretag med vilka han eller hon får bedriva och bedriver verksamhet.

d) Arten av den ersättning som mottas för försäkringsavtalet.

e) Uppgift om huruvida den avseende försäkringsavtalet arbetar

i) på grundval av ett arvode, dvs. att ersättningen betalas direkt av kunden,

ii)på grundval av en provision av något slag, dvs. att ersättningen ingår i försäkringspremien,

iii)på grundval av någon annan typ av ersättning, innefattandes ekonomiska ersättningar av alla slag, som erbjuds eller utbetalas i samband med försäkringsavtalet, eller

iv)på grundval av en kombination av de ersättningstyper som anges i leden i, ii och iii.

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2. Om arvodet ska betalas direkt av kunden ska försäkringsförmedlaren informera kunden om arvodets storlek, eller om det inte är möjligt, om metoden för att beräkna arvodet.

3. Även i de fall kunden gör andra betalningar inom ramen för försäkringsavtalet efter dess ingående än löpande premieinbetalningar och andra planmässiga betalningar, ska försäkringsförmedlaren lämna information i enlighet med denna artikel i samband med varje sådan betalning.

4. Medlemsstaterna ska säkerställa att varje försäkringsföretag i god tid innan ett försäkringsavtal ingås lämnar information till kunden om arten av den ersättning som mottas av dess anställda för försäkringsavtalet.

5. Även i de fall kunden gör andra betalningar inom ramen för försäkringsavtalet efter dess ingående än löpande premieinbetalningar och andra planmässiga betalningar, ska försäkringsföretaget lämna information i enlighet med denna artikel i samband med varje sådan betalning.

Artikel 20

Rådgivning och normer för försäljning utan rådgivning

1. Innan ett försäkringsavtal ingås ska försäkringsdistributören på grundval av de uppgifter som erhållits från kunden specificera kundens krav och behov och ge kunden objektiv information om försäkringsprodukten på ett förståeligt sätt så att kunden kan fatta ett välgrundat beslut.

Varje avtal som föreslås ska vara förenligt med kundens krav och behov i fråga om försäkringsskydd.

Om rådgivning ges innan ett visst avtal ingås ska försäkringsdistributören tillhandahålla kunden en personlig rekommendation, med en förklaring av varför en viss produkt bäst motsvarar kundens krav och behov.

2. De uppgifter som avses i punkt 1 ska anpassas till den föreslagna försäkringsproduktens komplexitet och typen av

kund.

3. När en försäkringsförmedlare informerar kunden om att den ger råd på grundval av en opartisk och personlig analys, ska den ge detta råd på grundval av en analys av ett tillräckligt stort antal försäkringsavtal tillgängliga på marknaden för att möjliggöra för den att ge en personlig rekommendation i enlighet med yrkesmässiga kriterier om vilket försäkringsavtal som i tillräcklig utsträckning skulle motsvara kundens behov.

4. Utan att det påverkar tillämpningen av artiklarna 183 och 184 i direktiv 2009/138/EG ska försäkringsdistributören innan ett avtal ingås, oavsett om rådgivning lämnas och oberoende av huruvida försäkringsprodukten är en del av ett paket enligt artikel 24 i det här direktivet, ge kunden relevant information om försäkringsprodukten på ett förståeligt sätt så att denne kan fatta ett välgrundat beslut, samtidigt som försäkringsdistributören beaktar försäkringsproduktens komplexitet och typen av kund.

5. I förhållande till distribution av skadeförsäkringsprodukter enligt förteckningen i bilaga I till direktiv 2009/138/EG ska informationen som avses i punkt 4 i denna artikel ges i form av ett standardiserat produktfaktablad för försäkringsprodukter, på papper eller något annat varaktigt medium.

6. Det produktfaktablad för försäkringsprodukter som avses i punkt 5 ska upprättas av utvecklaren av skadeförsäk- ringsprodukten.

7. Produktfaktabladet för försäkringsprodukter ska

a) vara en kortfattad och separat handling,

b) vara presenterad och utformad så att den är tydlig och lättläst, med tillräckligt stora tecken,

c) inte vara svårare att läsa ifall originalet är utformat i färg men utskrivet eller kopierat i svartvitt,

d) vara avfattat på de officiella språken, eller på ett av de officiella språken, använt i den del av medlemsstaten där försäkringsprodukten distribueras, eller på ett annat språk som konsumenten och distributören har kommit överens om,

e) vara korrekt och inte vilseledande,

f) vara försedd med titeln Produktfaktablad för försäkringsprodukten överst på första sidan,

g) inbegripa en hänvisning till att komplett information om produkten före och efter ingående av avtalet finns att tillgå i andra dokument.

Medlemsstaterna får fastställa att produktfaktabladet för försäkringsprodukten ska tillhandahållas tillsammans med information som krävs enligt andra relevanta unionslagstiftningsakter eller nationell rätt, under förutsättning att alla krav enligt första stycket är uppfyllda.

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8. Produktfaktabladet för försäkringsprodukter ska innehålla följande uppgifter:

a) Information om typen av försäkring.

b) En sammanfattning av försäkringsskyddet, inbegripet de huvudsakliga risker som försäkras, försäkringsbeloppet och, i tillämpliga fall, den geografiska räckvidden och en sammanfattning av undantagna risker.

c) Hur premier ska betalas och premieperioder.

d) Huvudsakliga undantag, för vilka inga krav på ersättning kan framställas.

e) Skyldigheter då avtalet börjar gälla.

f) Skyldigheter under avtalets löptid.

g) Skyldigheter i fall av krav på ersättning.

h) Avtalsvillkor, inklusive avtalets start- och slutdatum.

i) Hur avtalet kan sägas upp.

9. Efter att ha såväl samrått med nationella myndigheter som genomfört konsumenttester ska Eiopa utarbeta utkast till tekniska standarder för genomförande med avseende på ett standardiserat presentationsformat för produktfaktablad för försäkringsprodukter med närmare uppgifter om presentationen av de uppgifter som avses i punkt 8.

Eiopa ska lägga fram dessa utkast till tekniska standarder för genomförande för kommissionen senast den 23 februari 2017.

Kommissionen ska ges befogenhet att anta de tekniska standarder för genomförande som avses i första stycket i denna punkt i enlighet med artikel 15 i förordning (EU) nr 1094/2010.

Artikel 21

Information som ska lämnas av försäkringsförmedlare som bedriver förmedling som sidoverksamhet

Medlemsstaterna ska se till att försäkringsförmedlare som bedriver förmedling som sidoverksamhet agerar i enlighet med artiklarna 18 a i, 18 a iii, 18 a iv och 19.1 d.

Artikel 22

Undantag från informationsplikt och flexibilitetsregel

1. Den information som avses i artiklarna 18, 19 och 20 behöver inte lämnas när försäkringsdistributören bedriver distributionsverksamhet med anknytning till försäkringar mot stora risker.

Medlemsstaterna får föreskriva att den information som avses i artiklarna 29 och 30 i det här direktivet inte behöver lämnas till en professionell kund enligt definitionen i artikel 4.1.10 i direktiv 2014/65/EU.

2. Medlemsstaterna får behålla eller anta striktare bestämmelser avseende de informationskrav som avses i detta kapitel, förutsatt att dessa bestämmelser överensstämmer med unionsrätten. Medlemsstaterna ska informera Eiopa och kommissionen om dessa nationella bestämmelser.

Medlemsstaterna ska även vidta nödvändiga åtgärder för att säkerställa att deras behöriga myndigheter på lämpligt sätt offentliggör informationen om huruvida och hur respektive medlemsstat har valt att tillämpa striktare bestämmelser enligt denna punkt.

I synnerhet får medlemsstaterna göra den tillhandahållande av rådgivning som avses i artikel 20.1 tredje stycket obligatorisk för försäljning av försäkringsprodukter, eller för vissa typer av försäkringsprodukter. I ett sådant fall ska dessa striktare nationella bestämmelser följas av försäkringsdistributörerna, däribland distributörer som är verksamma inom ramen för friheten att tillhandahålla tjänster eller etableringsfriheten, om de ingår försäkringsavtal med kunder som har sin hemvist eller sitt etableringsställe i den medlemsstaten.

3. Medlemsstaterna får begränsa eller förbjuda godtagande eller mottagande av arvode, provisioner eller andra monetära ersättningar eller icke-monetära ersättningar som utbetalas till eller tillhandahålls försäkringsdistributörerna av någon tredjepart, eller av en person som agerar för tredjeparts räkning, i samband med distribution av försäkringsprodukter.

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4. För att på alla sätt åstadkomma en hög grad av insyn ska Eiopa se till att de nationella bestämmelser som den informeras om även meddelas kunderna och försäkrings- och återförsäkringsdistributörerna.

5. Om försäkringsdistributören är ansvarig för tillhandahållandet av obligatoriska tjänstepensionssystem och en anställd ansluts till ett sådant system utan att ha fattat ett individuellt beslut om att ansluta sig, ska medlemsstaterna säkerställa att den information som avses i detta kapitel tillhandahålls den anställde utan dröjsmål efter anslutningen till det berörda systemet.

Artikel 23

Former för informationen

1. All information som ska lämnas i enlighet med artiklarna 18, 19, 20 och 29 ska meddelas kunderna

a) på papper,

b) klart och korrekt på ett sätt som är förståeligt för kunden,

c) på ett officiellt språk i den medlemsstat där risken är belägen eller den medlemsstat där åtagandet görs eller på ett annat språk som parterna har kommit överens om, och

d) kostnadsfritt.

2. Genom undantag från punkt 1 a i den här artikeln får den information som avses i artiklarna 18, 19, 20 och 29 lämnas till kunden på ett av följande medier:

a) På ett varaktigt medium annat än papper, när villkoren i punkt 4 i den här artikeln är uppfyllda.

b) På en webbplats, när villkoren i punkt 5 i den här artikeln är uppfyllda.

3. När den information som avses i artiklarna 18, 19, 20 och 29 lämnas på ett varaktigt medium annat än papper eller på en webbplats ska emellertid på begäran ett pappersexemplar lämnas till kunden gratis.

4. Den information som avses i artiklarna 18, 19, 20 och 29 får lämnas på ett varaktigt medium annat än papper när följande villkor är uppfyllda:

a) Användningen av det varaktiga mediet är lämplig med hänsyn till de affärsförbindelser som råder mellan försäkringsdistributören och kunden.

b) Kunden har fått välja mellan information på papper och på ett varaktigt medium, och har valt det sistnämnda.

5. Den information som avses i artiklarna 18, 19, 20 och 29 får lämnas på en webbplats om den tillställs kunden personligen eller om följande villkor är uppfyllda:

a) Lämnandet av den informationen på en webbplats är lämpligt med hänsyn till de affärsförbindelser som råder mellan försäkringsdistributören och kunden.

b) Kunden har gått med på att den informationen lämnas på en webbplats.

c) Kunden har på elektronisk väg underrättats om adressen till webbplatsen och den plats på webbplatsen där denne kan få tillträde till den informationen.

d) Det är säkerställt att den informationen är tillgänglig på webbplatsen under en så lång period som kunden rimligen kan förväntas behöva den.

6. För tillämpningen av punkterna 4 och 5 ska lämnandet av information på ett varaktigt medium annat än papper eller på en webbplats anses vara lämpligt med hänsyn till de affärsförbindelser som råder mellan försäkringsdistributören och kunden, om det finns bevisning för att kunden har regelbunden tillgång till internet. Om kunden tillhandahåller en e- postadress för affärsförbindelserna i fråga ska detta betraktas som sådan bevisning.

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7. Vid telefonförsäljning ska den information som lämnats till kunden av försäkringsdistributören före avtalets ingående, inklusive produktfaktabladet för försäkringsprodukten, överensstämma med unionsregler som är tillämpliga på distansförsäljning av finansiella tjänster till konsumenter. Dessutom ska information lämnas av försäkringsdistributören till kunden i enlighet med punkt 1 eller 2 omedelbart efter det att försäkringsavtalet har ingåtts, även om kunden i enlighet med punkt 4 har valt att få förhandsinformation på ett annat varaktigt medium än papper.

Artikel 24

Korsförsäljning

1. När en försäkringsprodukt erbjuds tillsammans med en annan, underordnad produkt eller tjänst som inte är en försäkring – som en del av ett paket eller av ett och samma avtal – ska försäkringsdistributören informera kunden om huruvida det är möjligt att köpa de olika beståndsdelarna separat, och, om detta är möjligt, ge en adekvat beskrivning av de olika beståndsdelarna i avtalet eller paketet samt lämna separata uppgifter om kostnader och avgifter för respektive beståndsdel.

2. Under de omständigheter som avses i punkt 1, och om risken eller försäkringsskyddet i ett sådant avtal eller paket som erbjuds en kund skiljer sig från den risk eller det försäkringsskydd som beståndsdelarna medför var för sig, ska försäkringsdistributören ge en adekvat beskrivning av de olika beståndsdelarna i avtalet eller paketet och av det sätt på vilket deras inbördes samspel medför ändringar av risken eller försäkringsskyddet.

3. Om en försäkringsprodukt är underordnad en vara eller en tjänst som inte är en försäkring – som en del av ett paket eller av ett och samma avtal – ska försäkringsdistributören erbjuda kunden möjligheten att köpa varan eller tjänsten separat. Denna punkt ska inte tillämpas om en försäkringsprodukt är underordnad en investeringstjänst eller investerings-

verksamhet enligt definitionen i artikel 4.1.2 i direktiv 2014/65/EU, ett kreditavtal enligt definitionen i artikel 4.3 i Europaparlamentets och rådets direktiv 2014/17/EU (1) eller ett betalkonto enligt definitionen i artikel 2.3 i Europa- parlamentets och rådets direktiv 2014/92/EU (2).

4. Eiopa får utforma riktlinjer för granskning och tillsyn av metoder för korsförsäljning, och ange de situationer där korsförsäljning inte är förenlig med skyldigheterna enligt artikel 17.

5. Denna artikel får inte förhindra distribution av försäkringsprodukter som täcker flera olika risker.

6. I de fall som avses i punkterna 1 och 3 ska medlemsstaterna se till att försäkringsdistributören specificerar kundens krav och behov med avseende på försäkringsprodukter som utgör en del av det övergripande paketet eller av ett och samma avtal.

7. Medlemsstaterna får behålla eller anta ytterligare, striktare bestämmelser eller ingripa från fall till fall för att förbjuda försäljning av försäkringar tillsammans med sidotjänster eller sidoprodukter som inte är försäkringar – som en del av ett paket eller av ett och samma avtal – om de kan visa att sådan verksamhet är negativ för konsumenterna.

Artikel 25

Produkttillsyn och krav på styrning

1. Försäkringsföretag samt förmedlare som utvecklar försäkringsprodukter för försäljning till kunder ska upprätthålla, sköta och se över processen med att godkänna varje försäkringsprodukt eller varje betydande anpassning av en befintlig försäkringsprodukt innan den marknadsförs eller distribueras till kunder.

Produktgodkännandeprocessen ska vara proportionerlig och ändamålsenlig i förhållande till arten av försäkringsprodukt.

Produktgodkännandeprocessen ska inbegripa angivande av en fastställd målmarknad för varje produkt, säkerställa att det gjorts en bedömning av alla relevanta risker för den fastställda målmarknaden, och att den avsedda distributionsstrategin är förenlig med den fastställda målmarknaden och att rimliga åtgärder vidtagits för att se till att försäkringsprodukten distribueras till den fastställda målmarknaden.

(1)	Europaparlamentets och rådets direktiv Ǎ8av den 4 februari 2014 om konsumentkreditavtal som avser bostadsfastighet
(2)	och om ändring av direktiven 2008/48/EG och 2013/36/EU och förordning (EU) nr 1093/2010 (EUT L 60, 28.2.2014, s. 34).
	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).

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Försäkringsföretaget ska förstå och regelbundet se över de försäkringsprodukter som det erbjuder eller marknadsför, med beaktande av alla händelser som väsentligt skulle kunna påverka den potentiella risken för den fastställda målmarknaden, för att åtminstone bedöma huruvida produkten fortfarande är förenlig med den fastställda målmarknadens behov och huruvida den avsedda distributionsstrategin fortfarande är lämplig.

Försäkringsföretag samt förmedlare som utvecklar försäkringsprodukter ska ge varje distributör all erforderlig information om försäkringsprodukten och produktgodkännandeprocessen, inbegripet den fastställda målmarknaden för försäkrings- produkten.

Om en försäkringsdistributör lämnar rådgivning om eller föreslår försäkringsprodukter som den inte själv utvecklar ska den införa adekvata system för att erhålla den information som avses i femte stycket och för att förstå egenskaperna och de fastställda målmarknaderna för varje försäkringsprodukt.

2. Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 38 för att närmare specificera de principer som anges i denna artikel, med proportionerligt beaktande av det sätt på vilket verksamheten bedrivs, arten av sålda försäkringsprodukter och arten av distributör.

3. De strategier, processer och system som avses i den här artikeln ska inte påverka några andra krav enligt detta direktiv, inbegripet kraven avseende information, lämplighet eller ändamålsenlighet, identifiering och hantering av intressekonflikter samt incitament.

4. Denna artikel ska inte tillämpas på försäkringsprodukter som utgör försäkringar mot stora risker.

KAPITEL VI

YTTERLIGARE KRAV FÖR FÖRSÄKRINGSBASERADE INVESTERINGSPRODUKTER

Artikel 26

Tillämpningsområde för ytterligare krav

I detta kapitel fastställs krav på försäkringsdistribution, utöver de krav som är tillämpliga på försäkringsdistribution i enlighet med artiklarna 17, 18, 19 och 20, när försäkringsdistributionen bedrivs i samband med försäljning av försäkringsbaserade investeringsprodukter av

a) en försäkringsförmedlare,

b) ett försäkringsföretag.

Artikel 27

Förebyggande av intressekonflikter

Utan att det påverkar tillämpningen av artikel 17 ska en försäkringsförmedlare eller ett försäkringsföretag som utför distribution av försäkringsbaserade investeringsprodukter fastställa och tillämpa effektiva organisatoriska och administ- rativa förfaranden så att alla rimliga mått och steg vidtas för att förhindra att deras kunders intressen påverkas negativt av intressekonflikter enligt definitionen i artikel 28. Dessa system ska vara proportionerliga i förhållande till den verksamhet som bedrivs, de försäkringsprodukter som säljs och arten av distributör.

Artikel 28

Intressekonflikter

1. Medlemsstaterna ska säkerställa att försäkringsförmedlare och försäkringsföretag vidtar alla lämpliga åtgärder för att identifiera intressekonflikter mellan å ena sidan dem själva, inbegripet deras ledning och personal eller varje annan person med direkt eller indirekt koppling till dem genom kontroll, och å andra sidan deras kunder, eller mellan två kunder, som uppstår vid bedrivande av försäkringsdistributionsverksamhet.

2. Om de organisatoriska eller administrativa system som försäkringsförmedlaren eller försäkringsföretaget infört i enlighet med artikel 27 för att hantera intressekonflikter inte räcker till för att rimligen kunna förhindra riskerna för att kundernas intressen skadas, ska försäkringsförmedlaren eller försäkringsföretaget klart och tydligt informera kunden om intressekonflikternas allmänna karaktär eller ursprung i god tid innan ett försäkringsavtal ingås.

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3.	Med avvikelse från vad som anges i artikel 23.1 ska den information som avses i punkt 2 i den här artikeln
a)	lämnas på ett varaktigt medium, och
b)	innehålla tillräckligt detaljerade uppgifter, med beaktande av kundens art, för att kunden ska kunna fatta ett välgrundat
	beslut om den försäkringsdistributionsverksamhet inom vars ram intressekonflikten uppstår.
4.	Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 38 för att

a) ange de åtgärder som försäkringsförmedlare och försäkringsföretag rimligen kan förväntas genomföra för att identifiera, förebygga, hantera och informera om intressekonflikter när de bedriver försäkringsdistributionsverksamhet,

b) upprätta lämpliga kriterier för bestämning av vilka typer av intressekonflikter som kan vara till skada för försäkringsförmedlares eller försäkringsföretags kunders eller presumtiva kunders intressen.

Artikel 29

Information till kunder

1. Utan att det påverkar tillämpningen av artiklarna 18, 19.1 och 19.2 ska kunder eller presumtiva kunder i god tid innan ett avtal ingås tillhandahållas lämplig information avseende distributionen av försäkringsbaserade investerings- produkter samt avseende alla kostnader och tillhörande avgifter. Den informationen ska omfatta åtminstone följande:

a) När rådgivning lämnas: huruvida försäkringsförmedlaren eller försäkringsföretaget kommer att ge kunden en regelbunden bedömning av lämpligheten hos den försäkringsbaserade investeringsprodukten som det rekommenderar den kunden, enligt artikel 30.

b) När det gäller information om försäkringsbaserade investeringsprodukter och föreslagna placeringsstrategier: lämplig vägledning om och varningar för de risker som är förknippade med investeringar i de försäkringsbaserade investeringsprodukterna eller särskilda föreslagna placeringsstrategier.

c) När det gäller informationen om samtliga kostnader och tillhörande avgifter som ska lämnas: information om distributionen av den försäkringsbaserade investeringsprodukten, inbegripet eventuell kostnad för rådgivning, kostnaden för den försäkringsbaserade investeringsprodukt som rekommenderas eller marknadsförs till kunden och information om hur kunden får betala för den, inbegripet eventuella tredjepartsbetalningar.

Informationen om alla kostnader och avgifter, inbegripet kostnader och avgifter som har samband med distributionen av den försäkringsbaserade investeringsprodukten, som inte orsakas av förekomsten av underliggande marknadsrisk, ska räknas samman så att kunden kan förstå den totala kostnaden liksom den kumulativa verkan på investeringens avkastning, och när kunden så begär, ska en uppdelning av kostnaderna och avgifterna per post ges. Sådan information ska i förekommande fall ges till kunden regelbundet, och åtminstone årligen, under investeringens hela livscykel.

Den information som avses i denna punkt ska tillhandahållas i begriplig form på ett sådant sätt att kunder eller presumtiva kunder har rimlig möjlighet att förstå arten av och den risk som är förknippad med den försäkringsbaserade investeringsprodukt som erbjuds och därigenom är väl informerade inför investeringsbeslutet. Medlemsstaterna får tillåta att den informationen lämnas i standardiserad form.

2. Utan att det påverkar tillämpningen av artiklarna 19.1 d och 19.1 e, 19.3 och 22.3 ska medlemsstaterna se till att försäkringsförmedlare eller försäkringsföretag anses fullgöra sina skyldigheter enligt artiklarna 17.1, 27 eller 28 när de betalar eller betalas något arvode eller någon provision, eller erbjuder eller erbjuds icke-monetära ersättningar i samband med distribution av en försäkringsbaserad investeringsprodukt eller en sidotjänst, till eller av någon annan part än kunden eller en person på kundens vägnar, endast då betalningen eller förmånen

a) inte har någon negativ inverkan på kvaliteten på den relevanta tjänsten till kunden, och

b) inte försämrar försäkringsförmedlarens eller försäkringsföretagets förutsättningar att fullgöra sina skyldigheter att agera hederligt, rättvist och professionellt i enlighet med sina kunders bästa intresse.

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3. Medlemsstaterna får ålägga distributörerna strängare krav med avseende på de frågor som omfattas av denna artikel. Medlemsstaterna får särskilt ytterligare förbjuda eller begränsa erbjudande eller godtagande av arvoden, provisioner eller icke-monetära ersättningar från tredje part vid tillhandahållande av rådgivning om försäkringar.

Strängare krav kan inbegripa krav på att alla sådana arvoden, provisioner eller icke-monetära ersättningar återlämnas till kunden eller räknas av mot arvoden som kunden betalar.

Medlemsstaterna får göra den tillhandahållande av rådgivning som avses i artikel 30 obligatorisk för försäljning av försäkringsbaserade investeringsprodukter, eller för vissa typer av dem.

Medlemsstaterna får föreskriva att försäkringsförmedlare – om de informerar kunder om att rådgivning tillhandahålls på oberoende grund – ska bedöma ett tillräckligt stort antal av de försäkringsprodukter som är tillgängliga på marknaden, vilka ska vara tillräckligt diversifierade med avseende på typ och produktleverantörer för att säkerställa att kundens mål på lämpligt sätt kan tillgodoses, och ska inte vara begränsade till försäkringsprodukter som utfärdats eller tillhandahållits av enheter som har nära förbindelser med förmedlaren.

De strängare kraven i en medlemsstat som avses i denna punkt ska följas av alla försäkringsförmedlare eller försäkringsföretag, däribland sådana som är verksamma inom ramen för friheten att tillhandahålla tjänster eller etableringsfriheten, när försäkringsavtal ingås med kunder som har sin hemvist eller sitt etableringsställe i den medlemsstaten.

4. Utan att det påverkar tillämpningen av punkt 3 i den här artikeln ska kommissionen ges befogenhet att anta delegerade akter enligt artikel 38 för att specificera följande:

a) Kriterierna för bedömning av huruvida incitament som betalats eller mottagits av en försäkringsförmedlare eller ett försäkringsföretag har en negativ inverkan på kvaliteten på den relevanta tjänsten till kunden.

b) Kriterierna för bedömning av huruvida försäkringsförmedlare och försäkringsföretag som betalar eller mottar incitament fullgör sina skyldigheter att agera hederligt, rättvist och professionellt i enlighet med sina kunders bästa intresse.

5. De delegerade akter som avses i punkt 4 ska beakta följande:

a) Arten av de tjänster som kunden eller den presumtiva kunden erbjuds eller tillhandahålls, med beaktande av transaktionernas typ, föremål, storlek och frekvens.

b) Arten av de produkter som erbjuds eller tas under övervägande, inklusive olika typer av försäkringsbaserade investeringsprodukter.

Artikel 30

Bedömning av lämplighet och ändamålsenlighet och rapportering till kunder

1. Utan att det påverkar tillämpningen av artikel 20.1 ska försäkringsförmedlaren eller försäkringsföretaget, när de tillhandahåller rådgivning om en försäkringsbaserad investeringsprodukt, även inhämta nödvändiga upplysningar om kundens eller den presumtiva kundens kunskaper och erfarenheter på det relevanta investeringsområdet för den specifika typen av produkt eller tjänst, den personens finansiella ställning, inbegripet vederbörandes förmåga att bära förluster, och den personens investeringsmål – inbegripet vederbörandes risktolerans – så att försäkringsförmedlaren eller försäkrings- företaget kan rekommendera kunden eller den presumtiva kunden de försäkringsbaserade investeringsprodukter som är lämpliga för den personen och i synnerhet är förenliga med den personens risktolerans och förmåga att bära förluster.

Medlemsstaterna ska säkerställa att, när en försäkringsförmedlare eller ett försäkringsföretag tillhandahåller investerings- rådgivning med rekommendation om ett paket av kombinerade tjänster eller produkter enligt artikel 24, hela det kombinerade paketet är lämpligt.

2. Utan att det påverkar tillämpningen av artikel 20.1 ska medlemsstaterna se till att försäkringsförmedlare eller försäkringsföretag, när de utför annan försäkringsdistributionsverksamhet än den som avses i punkt 1 i den här artikeln, i samband med försäljning utan att rådgivning ges, begär att kunden eller den presumtiva kunden lämnar upplysningar om sin kunskap och erfarenhet på det för den erbjudna eller efterfrågade produkten eller tjänsten relevanta investeringsområdet, så att försäkringsförmedlaren eller försäkringsföretaget kan bedöma om den tänkta försäkringstjänsten eller försäkrings- produkten är passande för kunden. När det är fråga om en kombination av tjänster eller produkter enligt artikel 24 ska bedömningen gälla huruvida hela det kombinerade paketet är lämpligt.

Om försäkringsförmedlaren eller försäkringsföretaget mot bakgrund av de upplysningar som erhållits enligt första stycket anser att produkten inte är passande för kunden eller den presumtiva kunden, ska försäkringsförmedlaren eller försäkringsföretaget varna kunden eller den presumtiva kunden därom. Den varningen får lämnas i standardiserad form.

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Om kunder eller presumtiva kunder inte lämnar de upplysningar som avses i första stycket, eller om de lämnar otillräckliga upplysningar om sin kunskap och erfarenhet, ska försäkringsförmedlaren eller försäkringsföretaget varna dem om att de inte kan avgöra om den tänkta produkten är passande för dem. Den varningen får lämnas i standardiserad form.

3. Utan att det påverkar tillämpningen av artikel 20.1 får medlemsstaterna, när ingen rådgivning ges om försäkringsbaserade investeringsprodukter, göra undantag från de skyldigheter som avses i punkt 2 i den här artikeln och tillåta försäkringsförmedlare eller försäkringsföretag att utföra försäkringsdistributionsverksamhet inom sitt territorium utan att de behöver inhämta de upplysningar eller göra en sådan bedömning som avses i punkt 2 i den här artikeln, om samtliga följande villkor är uppfyllda:

a) Verksamheten avser någon av följande försäkringsbaserade investeringsprodukter:

i) Avtal som endast ger investeringsexponering för finansiella instrument som bedöms som icke-komplexa enligt direktiv 2014/65/EU och som inte innehåller en struktur som gör det svårt för kunden att förstå den därmed förbundna risken, eller

ii)andra icke-komplexa försäkringsbaserade investeringsprodukter i enlighet med denna punkt.

b) Försäkringsdistributionen utförs på initiativ av kunden eller den presumtiva kunden.

c) Kunden eller den presumtiva kunden har klart och tydligt informerats om att försäkringsförmedlaren eller försäkringsföretaget, när de tillhandahåller försäkringsdistributionen, inte behöver bedöma den tillhandahållna eller erbjudna försäkringsbaserade investeringsproduktens eller den tillhandahållna eller erbjudna försäkringsdistributionens ändamålsenlighet och att kunden eller den presumtiva kunden därför inte åtnjuter samma skydd som avses i de relevanta uppförandereglerna. En sådan varning får lämnas i standardiserad form.

d) Försäkringsförmedlaren eller försäkringsföretaget fullgör sina skyldigheter enligt artiklarna 27 och 28.

Alla försäkringsförmedlare eller försäkringsföretag, däribland sådana som utövar verksamhet inom ramen för friheten att tillhandahålla tjänster eller etableringsfriheten, ska – om de inte tillämpar det undantag som avses i denna punkt – när de ingår försäkringsavtal med kunder som har sin hemvist eller sitt etableringsställe i en medlemsstat agera i enlighet med de tillämpliga bestämmelserna i den berörda medlemsstaten.

4. Försäkringsförmedlaren eller försäkringsföretaget ska upprätta en dokumentation som innehåller de mellan försäkringsförmedlaren eller försäkringsföretaget och kunden överenskomna handlingarna i vilket eller vilka parternas rättigheter och skyldigheter anges, samt övriga villkor för försäkringsförmedlarens eller försäkringsföretagets till- handahållande av tjänster till kunden. Rättigheter och skyldigheter för överenskommelsens parter får ingå i form av hänvisningar till andra handlingar eller rättsakter.

5. Försäkringsförmedlaren eller försäkringsföretaget ska på ett varaktigt medium lämna tillfredsställande rapporter till kunden om de tjänster som tillhandahållits. De rapporteringarna ska inkludera regelbundna meddelanden till kunder, med beaktande av typen av och komplexiteten hos de aktuella försäkringsbaserade investeringsprodukterna och arten av den tjänst som tillhandahållits kunden, och ska, i förekommande fall, innehålla uppgifter om kostnaderna för de transaktioner och tjänster som utförts för kundens räkning.

När försäkringsförmedlare eller försäkringsföretag tillhandahåller rådgivning om en försäkringsbaserad investeringsprodukt ska de, innan avtalet ingås, lämna ett lämplighetsutlåtande till kunden på ett varaktigt medium som specificerar vilken rådgivning som getts och hur denna rådgivning motsvarar kundens preferenser, mål och andra egenskaper. De villkor som anges i artikel 23.1–23.4 ska tillämpas.

Om avtalet ingås med hjälp av en teknik för distanskommunikation som hindrar att ett lämplighetsutlåtande tillhandahålls i förväg får försäkringsförmedlaren eller försäkringsföretaget lämna ett skriftligt lämplighetsutlåtande på ett varaktigt medium omedelbart efter det att kunden har bundits av ett avtal, under förutsättning att båda följande villkor är uppfyllda:

a) Kunden har gett sitt samtycke till att erhålla lämplighetsutlåtandet utan oskäligt dröjsmål efter det att avtalet ingåtts.

b) Försäkringsförmedlaren eller försäkringsföretaget har erbjudit kunden möjligheten att senarelägga ingåendet av avtalet så att lämplighetsutlåtandet först kan erhållas före sådant ingående.

Om en försäkringsförmedlare eller ett försäkringsföretag har informerat kunden om att de kommer att utföra en regelbunden lämplighetsbedömning ska den regelbundna rapporten innehålla en uppdaterad förklaring om hur den försäkringsbaserade investeringsprodukten motsvarar kundens preferenser, mål och andra egenskaper.

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6. Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 38 för att närmare ange hur försäkringsförmedlare och försäkringsföretag ska följa de principer som anges i denna artikel när de utför försäkrings- distributionsverksamhet med sina kunder, inklusive i förhållande till den information som ska inhämtas vid bedömning av de försäkringsbaserade investeringsprodukternas lämplighet och ändamålsenlighet för kunderna, kriterierna för att bedöma icke-komplexa försäkringsbaserade investeringsprodukter i enlighet med punkt 3 a ii i den här artikeln, innehåll och format för registren och avtal om tillhandahållande av tjänster till kunder och regelbundna rapporter till kunderna om de tjänster som tillhandahålls. I dessa delegerade akter ska följande beaktas:

a) Arten av de tjänster som erbjuds eller tillhandahålls kunden eller den presumtiva kunden, med beaktande av transaktionernas typ, föremål, storlek och frekvens.

b) Arten av de produkter som erbjuds eller tas under övervägande, inklusive olika typer av försäkringsbaserade investeringsprodukter.

c) Kundens eller den presumtiva kundens ställning som icke-professionell eller professionell kund.

7. Senast den 23 augusti 2017 ska Eiopa utarbeta och därefter regelbundet uppdatera riktlinjer för bedömning av försäkringsbaserade investeringsprodukter som innehåller en struktur som gör det svårt för kunden att förstå den därmed förbundna risken enligt punkt 3 a i.

8. Eiopa får utarbeta och därefter regelbundet uppdatera riktlinjer för bedömning av försäkringsbaserade investerings- produkter som klassificeras som icke-komplexa för tillämpningen av punkt 3 a ii, med beaktande av de delegerade akter som antagits enligt punkt 6.

KAPITEL VII

SANKTIONER OCH ANDRA ÅTGÄRDER

Artikel 31

Administrativa sanktioner och andra åtgärder

1. Utan att det påverkar de behöriga myndigheternas tillsynsutövning och medlemsstaternas rätt att föreskriva och påföra straffrättsliga påföljder, ska medlemsstaterna se till att deras behöriga myndigheter får påföra administrativa sanktioner och andra åtgärder som är tillämpliga på alla överträdelser av de nationella bestämmelser som genomför detta direktiv, och de ska vidta alla nödvändiga åtgärder för att se till att nämnda regler genomförs. Medlemsstaterna ska se till att deras administrativa sanktioner och andra åtgärder är effektiva, proportionella och avskräckande.

2. Medlemsstaterna får besluta att inte fastställa några regler om administrativa sanktioner enligt detta direktiv för överträdelser som är föremål för straffrättsliga påföljder enligt deras nationella lagstiftning. I detta fall ska medlemsstaterna informera kommissionen om de relevanta straffrättsliga bestämmelserna.

3. De behöriga myndigheterna ska utöva sina tillsynsbefogenheter, inklusive undersökningsbefogenheterna och befogenheterna att påföra de sanktioner som föreskrivs i detta kapitel, i enlighet med sina nationella rättsliga ramar på något av följande sätt:

a) Direkt.

b) I samarbete med andra myndigheter.

c) Genom ansökan hos de behöriga rättsliga myndigheterna.

4. Medlemsstaterna ska se till att i de fall försäkrings- eller återförsäkringsdistributörer överträder någon sådan skyldighet som gäller för dem ska administrativa sanktioner och andra åtgärder kunna tillämpas i förhållande till personer i deras lednings- eller tillsynsorgan och på alla andra fysiska eller juridiska personer som enligt den nationella rätten är ansvariga för sådan överträdelse.

5. Medlemsstaterna ska se till att administrativa sanktioner och andra åtgärder som tillämpas i enlighet med denna artikel kan överklagas.

6. De behöriga myndigheterna ska ges alla de undersökningsbefogenheter som de behöver för att kunna utföra sina uppgifter. Vid utövandet av sina befogenheter att påföra administrativa sanktioner och andra åtgärder ska de behöriga myndigheterna samarbeta nära med varandra för att säkerställa att dessa sanktioner och åtgärder leder till önskade resultat och samordna sina insatser när de hanterar gränsöverskridande fall, med säkerställande av att villkoren för laglig databehandling uppfylls i enlighet med direktiv 95/46/EG och förordning (EG) nr 45/2001.

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Om medlemsstaterna i enlighet med punkt 2 i den här artikeln valt att fastställa straffrättsliga påföljder för överträdelser av de bestämmelser som avses i artikel 33, ska de se till att erforderliga åtgärder vidtagits så att de behöriga myndigheterna har alla nödvändiga befogenheter att

a) hålla kontakter med rättsliga myndigheter inom sitt territorium för att få särskild information om brottsutredningar eller straffrättsliga förfaranden som inletts på grund av eventuella överträdelser enligt detta direktiv och

b) lämna sådan information till andra behöriga myndigheter och Eiopa så att de kan fullgöra sin skyldighet att samarbeta med varandra och Eiopa i enlighet med detta direktiv.

Artikel 32

Offentliggörande av sanktioner och andra åtgärder

1. Medlemsstaterna ska se till att de behöriga myndigheterna utan oskäligt dröjsmål offentliggör alla administrativa sanktioner eller andra åtgärder som påförts – och inte överklagats i tid – vid överträdelser av de nationella bestämmelserna om genomförande av detta direktiv, däribland information om överträdelsens typ och art och ansvariga personers identitet. Om emellertid ett offentliggörande av de juridiska personernas identitet eller av de fysiska personernas identitet eller personuppgifter efter en bedömning från fall till fall av proportionaliteten i offentliggörandet av sådana uppgifter av den behöriga myndigheten anses som oproportionerligt eller om offentliggörandet äventyrar finansmarknadernas stabilitet eller en pågående utredning, får den behöriga myndigheten besluta att skjuta upp offentliggörandet, avstå från offentliggörande eller offentliggöra sanktionerna på anonym grund.

2. Om nationell rätt föreskriver ett offentliggörande av ett beslut om en sanktion eller annan åtgärd som är föremål för överklagande vid relevanta rättsliga eller andra myndigheter, ska de behöriga myndigheterna på sin officiella webbplats utan oskäligt dröjsmål offentliggöra information om detta och eventuell senare information om resultatet av ett sådant överklagande. Dessutom ska även alla beslut om ogiltigförklarande av ett tidigare, redan offentliggjort beslut om en sanktion eller annan åtgärd offentliggöras.

3. De behöriga myndigheterna ska informera Eiopa om alla administrativa sanktioner och andra åtgärder som påförts men inte offentliggjorts i enlighet med punkt 1, däribland eventuella överklaganden av dessa och resultatet av dem.

Artikel 33

Överträdelser och sanktioner och andra åtgärder

1. Denna artikel ska tillämpas på åtminstone följande:

a) Personer som underlåter att registrera sin distributionsverksamhet i enlighet med artikel 3.

b) Försäkrings- eller återförsäkringsföretag eller försäkrings- eller återförsäkringsförmedlare som använder sådana personers försäkrings- eller återförsäkringsdistributionstjänster som avses i led a.

c)Försäkrings-, återförsäkrings- eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet som har erhållit registrering på grundval av oriktiga uppgifter eller på något annat otillbörligt sätt, i strid med artikel 3.

d) Försäkringsdistributörer som inte iakttar bestämmelserna i artikel 10.

e) Försäkringsföretag eller försäkringsförmedlare som inte iakttar uppförandereglerna enligt kapitlen V och VI, när det gäller distribution av försäkringsbaserade investeringsprodukter.

f) Försäkringsdistributörer som inte iakttar uppförandereglerna enligt kapitel V, när det gäller andra försäkringsprodukter än dem som avses i led e.

2. Medlemsstaterna ska se till att de behöriga myndigheterna har befogenhet att vid de överträdelser som avses i punkt 1 e, och i enlighet med nationell rätt, påföra åtminstone följande administrativa sanktioner och andra åtgärder:

a) Ett offentligt utlåtande med uppgift om den ansvariga fysiska eller juridiska personen och överträdelsens art.

b) Ett föreläggande enligt vilket det krävs att den ansvariga fysiska eller juridiska personen upphör med sitt agerande och inte upprepar det agerandet.

c) I fråga om försäkringsförmedlare, återkallelse av den registrering som avses i artikel 3.

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d) Ett tillfälligt förbud att utöva ledningsfunktioner i försäkringsförmedlare eller försäkringsföretag, riktat mot de ledamöter

iledningsorganet för försäkringsförmedlaren eller försäkringsföretaget som hålls ansvariga för överträdelsen.

e) I fråga om juridiska personer, följande maximala administrativa sanktionsavgifter på upp till

i) minst 5 000 000 EUR eller högst 5 % av den totala årsomsättningen enligt den senaste tillgängliga redovisning som har godkänts av ledningsorganet, eller, i medlemsstater som inte har euron som valuta, motsvarande värde i nationell valuta den dag då detta direktiv träder i kraft. Om den juridiska personen är ett moderföretag eller dotterföretag till

det moderföretag som ska upprätta koncernredovisning enligt Europaparlamentets och rådets direktiv 2013/34/ EU (1), ska den relevanta totala årsomsättningen vara den totala årsomsättningen enligt den senast tillgängliga koncernredovisning som godkänts av ledningsorganet för det yttersta moderföretaget; eller

ii)högst två gånger beloppet av de vinster som har gjorts eller förluster som undvikits på grund av överträdelsen, i de fall dessa belopp kan fastställas.

f) I fråga om fysiska personer, följande maximala administrativa sanktionsavgifter på upp till

i) minst 700 000 EUR, eller, i medlemsstater som inte har euron som valuta, motsvarande värde i nationell valuta den dag då detta direktiv träder i kraft, eller

ii)högst två gånger beloppet av de vinster som gjorts eller förluster som undvikits på grund av överträdelsen, i de fall dessa belopp kan fastställas.

3. Medlemsstaterna ska se till att de behöriga myndigheterna har befogenhet att vid de överträdelser som avses i punkt 1 a–d och 1 f, och i enlighet med nationell rätt, påföra åtminstone följande administrativa sanktioner och andra åtgärder:

a) Ett föreläggande enligt vilket det krävs att den ansvariga fysiska eller juridiska personen upphör med sitt agerande och inte upprepar detta agerande.

b) I fråga om försäkrings-, återförsäkrings eller försäkringsförmedlare som bedriver förmedling som sidoverksamhet, återkallelse av den registrering som avses i artikel 3.

4. Medlemsstaterna får ge de behöriga myndigheterna befogenhet att föreskriva ytterligare sanktioner eller andra åtgärder samt administrativa sanktionsavgifter på en högre nivå än vad som föreskrivs i denna artikel.

Artikel 34

Effektiv tillämpning av sanktioner och andra åtgärder

Medlemsstaterna ska säkerställa att de behöriga myndigheterna, när de fastställer typen av administrativ sanktion eller annan åtgärd och nivån på en administrativ sanktionsavgift, beaktar alla relevanta omständigheter, däribland i förekommande fall följande:

a) Överträdelsens allvarlighetsgrad och varaktighet.

b) Den ansvariga fysiska eller juridiska personens grad av ansvar.

c) Den ansvariga fysiska eller juridiska personens ekonomiska bärkraft, som den indikeras genom antingen den fysiska personens årsinkomst eller den juridiska personens totala omsättning.

d) Omfattningen av de fördelar som erhållits eller de förluster som undvikits av den ansvariga fysiska eller juridiska personen, i den mån de kan fastställas.

e) Förluster för kunder och tredje parter orsakade av överträdelsen, i den mån de kan fastställas.

f) Den ansvariga fysiska eller juridiska personens vilja att samarbeta med den behöriga myndigheten.

g) Åtgärder som den ansvariga fysiska eller juridiska personen vidtagit för att förhindra att överträdelsen upprepas.

h) Eventuella tidigare överträdelser från den ansvariga fysiska eller juridiska personens sida.

(1)	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).

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Artikel 35

Rapportering av överträdelser

1. Medlemsstaterna ska se till att behöriga myndigheter etablerar effektiva system för att möjliggöra och uppmuntra rapportering till dem av potentiella eller faktiska överträdelser av de nationella bestämmelser som antagits för genomförande av detta direktiv.

2. De system som avses i punkt 1 ska åtminstone omfatta följande:

a) Särskilda förfaranden för mottagande av rapporter och uppföljning av dem.

b) Lämpligt skydd, åtminstone mot repressalier, diskriminering eller andra typer av orättvis behandling, för anställda hos försäkrings- eller återförsäkringsdistributörer och om möjligt för andra personer som rapporterar överträdelser som begåtts inom dessa enheter.

c) Identitetsskydd för både den person som rapporterar överträdelser och den fysiska person som påstås vara ansvarig för överträdelsen under alla skeden av förfarandet, såvida inte sådant offentliggörande krävs enligt nationell rätt i samband med ytterligare utredning eller efterföljande administrativa eller rättsliga förfaranden.

Artikel 36

Information till Eiopa om sanktioner och andra åtgärder

1. De behöriga myndigheterna ska informera Eiopa om alla administrativa sanktioner och andra åtgärder som påförts men inte offentliggjorts i enlighet med artikel 32.1.

2. De behöriga myndigheterna ska årligen ge Eiopa information i aggregerad form om alla administrativa sanktioner och andra åtgärder som påförts i enlighet med artikel 31.

Eiopa ska offentliggöra den informationen i en årlig rapport.

3. Om den behöriga myndigheten har offentliggjort en administrativ sanktion eller annan åtgärd ska den samtidigt informera Eiopa om denna.

KAPITEL VIII

SLUTBESTÄMMELSER

Artikel 37

Skydd av personuppgifter

1. Medlemsstaterna ska tillämpa direktiv 95/46/EG på den behandling av personuppgifter som utförs i medlemsstaterna i enlighet med detta direktiv.

2. Förordning (EG) nr 45/2001 ska tillämpas på den behandling av personuppgifter som utförs av Eiopa i enlighet med detta direktiv.

Artikel 38

Delegerade akter

Kommissionen ska ges befogenhet att anta delegerade akter enligt artikel 39 med avseende på artiklarna 25, 28, 29 och 30.

Artikel 39

Utövande av delegeringen

1. Befogenheten att anta delegerade akter ges till kommissionen med förbehåll för de villkor som anges i denna artikel.

2. Den befogenhet att anta delegerade akter som avses i artiklarna 25, 28, 29 och 30 ska ges till kommissionen tills vidare från och med den 22 februari 2016.

3. Den delegering av befogenhet som avses i artiklarna 25, 28, 29 och 30 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 Europeiska unionens officiella tidning, eller vid ett senare i beslutet angivet datum. Det påverkar inte giltigheten av delegerade akter som redan har trätt i kraft.

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4. Så snart kommissionen antar en delegerad akt ska den samtidigt delge Europaparlamentet och rådet denna.

5. En delegerad akt som antas enligt artiklarna 25, 28, 29 och 30 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 Europaparlamentet 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 ska förlängas med tre månader på Europaparlamentets eller rådets initiativ.

Artikel 40

Övergångsperiod

Medlemsstaterna ska se till att förmedlare som redan registrerats enligt direktiv 2002/92/EG följer de relevanta bestämmelser i nationell lagstiftning som genomför artikel 10.1 i detta direktiv senast den 23 februari 2019.

Artikel 41

Översyn och utvärdering

1. Kommissionen ska senast den 23 februari 2021 överlämna en rapport till Europaparlamentet och rådet om tillämpningen av artikel 1. En sådan rapport ska, på grundval av den information som mottagits från medlemsstaterna och Eiopa i enlighet med artikel 1.5, innefatta en bedömning av huruvida direktivets tillämpningsområde, inklusive undantaget i artikel 1.3, fortfarande är ändamålsenligt med avseende på konsumentskyddsnivån, proportionaliteten i behandlingen av olika försäkringsdistributörer och den administrativa bördan för de behöriga myndigheterna och försäkringsdistributions- kanalerna.

2. Kommissionen ska senast den 23 februari 2021 göra en översyn av detta direktiv. Översynen ska innefatta en allmän översikt över den praktiska tillämpningen av bestämmelser enligt detta direktiv med vederbörlig hänsyn till utvecklingen på marknaderna för investeringsprodukter för icke-professionella investerare och erfarenheterna av den praktiska tillämp- ningen av det här direktivet, förordning (EU) nr 1286/2014 och direktiv 2014/65/EU. Översynen ska innefatta en utvärdering av huruvida de särskilda uppföranderegler för distribution av försäkringsbaserade investeringsprodukter som anges i kapitel VI i det här direktivet leder till ändamålsenliga och proportionerliga resultat, med beaktande av behovet att säkerställa en tillräckligt hög konsumentskyddsnivå som är förenlig med de normer för investerarskydd som är tillämpliga enligt direktiv 2014/65/EU samt de specifika egenskaperna hos försäkringsbaserade investeringsprodukter och särdragen hos deras distributionskanaler. Översynen ska även diskutera möjligheterna att tillämpa bestämmelserna i detta direktiv på de produkter som omfattas av direktiv 2003/41/EG. Därutöver ska en sådan översyn också innefatta en särskild analys av effekterna av artikel 19 i det här direktivet, med beaktande av konkurrenssituationen på marknaden för försäkrings- distribution för avtal som inte ingår i någon av de klasser som anges i bilaga II till direktiv 2009/138/EG, och av effekterna av de skyldigheter som avses i artikel 19 i det här direktivet på försäkringsförmedlare som är små och medelstora företag.

3. Efter samråd med gemensamma kommittén för de europeiska tillsynsmyndigheterna ska kommissionen lägga fram en första rapport till Europaparlamentet och rådet.

4. Senast den 23 februari 2020 och därefter minst en gång vartannat år ska Eiopa utarbeta ytterligare en rapport om tillämpningen av detta direktiv. Innan Eiopa offentliggör sin rapport ska samråd ske med Europeiska värdepappers- och marknadsmyndigheten.

5. I en tredje rapport som ska utarbetas senast den 23 februari 2018 ska Eiopa göra en utvärdering av försäkringsförmedlingsmarknadernas struktur.

6. I rapporten som Eiopa ska utarbeta senast den 23 februari 2020, och som avses i punkt 4, ska Eiopa granska huruvida de behöriga myndigheter som avses i artikel 12.1 har tillräckliga befogenheter och resurser för att utföra sina arbetsuppgifter.

7. I den rapport som avses i punkt 4 ska åtminstone följande frågor behandlas:

a) Förändringar av försäkringsförmedlingsmarknadernas struktur.

b) Förändringar i mönstret för gränsöverskridande verksamhet.

c) Huruvida kvaliteten på rådgivning och försäljningsmetoder har förbättrats och effekterna av detta direktiv på de försäkringsförmedlare som är små och medelstora företag.

8. Rapporten som avses i punkt 4 ska även innehålla en utvärdering från Eiopas sida av effekterna av detta direktiv.

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Artikel 42

Införlivande

1. Medlemsstaterna ska sätta i kraft de bestämmelser i lagar och andra författningar som är nödvändiga för att följa detta direktiv senast den 23 februari 2018. De ska till kommissionen utan dröjsmål överlämna texten till dessa bestämmelser.

När en medlemsstat antar dessa bestämmelser ska de innehålla en hänvisning till detta direktiv eller åtföljas av en sådan hänvisning när de offentliggörs. De ska även innehålla en uppgift om att hänvisningar i befintliga lagar och andra författningar till det direktiv som upphävts genom det här direktivet ska anses som hänvisningar till det här direktivet. Närmare föreskrifter om hur hänvisningen ska göras och om hur uppgiften ska formuleras ska varje medlemsstat själv utfärda.

2. Medlemsstaterna ska till kommissionen överlämna texten till de centrala bestämmelser i nationell lagstiftning som de antar inom det område som omfattas av detta direktiv.

Artikel 43

Ändring av direktiv 2002/92/EG

Kapitel III A i direktiv 2002/92/EG ska utgå med verkan från och med den 23 februari 2016.

Artikel 44

Upphävande

Direktiv 2002/92/EG, i dess lydelse enligt de direktiv som anges i bilaga II, del A, ska upphöra att gälla med verkan från och med den 23 februari 2018, utan att det påverkar medlemsstaternas skyldigheter vad gäller tidsfristen för införlivande med nationell lagstiftning av de direktiv som anges i bilaga II, del B.

Hänvisningar till det upphävda direktivet ska anses som hänvisningar till det här direktivet och ska läsas i enlighet med jämförelsetabellen i bilaga III.

Artikel 45

Ikraftträdande

Detta direktiv träder i kraft den tjugonde dagen efter det att det har offentliggjorts i Europeiska unionens officiella tidning.

	Artikel 46
	Adressater
Detta direktiv riktar sig till medlemsstaterna.
Utfärdat i Strasbourg den 20 januari 2016.
På Europaparlamentets vägnar		På rådets vägnar
M. SCHULZ		A.G. KOENDERS
Ordförande		Ordförande

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BILAGA I

MINIMIKRAV PÅ YRKESKUNSKAP OCH KOMPETENS

(enligt artikel 10.2)

ISkadeförsäkringsrisker klassificerade i klasserna 1–18 i del A i bilaga I till direktiv 2009/138/EG

a) Nödvändig minimikunskap om villkoren i de försäkringar som erbjuds, inklusive tilläggsrisker om sådana täcks av försäkringarna i fråga

b) Nödvändig minimikunskap om tillämplig lagstiftning om distribution av försäkringsprodukter, såsom konsumen- trätt, relevant skatterätt samt relevant socialrätt och arbetsrätt

c) Nödvändig minimikunskap om skadereglering

d) Nödvändig minimikunskap om hantering av klagomål

e) Nödvändig minimikunskap om bedömning av kundernas behov

f) Nödvändig minimikunskap om försäkringsmarknaden

g) Nödvändig minimikunskap om affärsetiska normer

h) Nödvändig miniminivå vad gäller finansiell kompetens

IIFörsäkringsbaserade investeringsprodukter

a) Nödvändig minimikunskap om försäkringsbaserade investeringsprodukter, inklusive villkor och nettopremier samt, i förekommande fall, garanterade och icke-garanterade ersättningar

b) Nödvändig minimikunskap om fördelar och nackdelar med olika placeringsalternativ för försäkringstagarna

c) Nödvändig minimikunskap om finansiella risker som bärs av försäkringstagarna

d) Nödvändig minimikunskap om livförsäkringar och andra sparprodukter

e) Nödvändig minimikunskap om hur pensionssystemet är organiserat och vilka garanterade ersättningar det ger

f) Nödvändig minimikunskap om tillämplig rätt om distribution av försäkringsprodukter, såsom konsumenträtt och relevant skatterätt

g) Nödvändig minimikunskap om försäkringsmarknaden och marknaden för sparprodukter

h) Nödvändig minimikunskap om hantering av klagomål

i) Nödvändig minimikunskap om bedömning av kundernas behov

j) Hantering av intressekonflikter

k) Nödvändig minimikunskap om affärsetiska normer

l) Nödvändig miniminivå vad gäller finansiell kompetens

IIILivförsäkringsrisker klassificerade i bilaga II till direktiv 2009/138/EG

a) Nödvändig minimikunskap om försäkringar, inklusive villkor, garanterade ersättningar och, i förekommande fall, tilläggsrisker

b) Nödvändig minimikunskap om hur pensionssystemet är organiserat och vilka garanterade ersättningar det ger i medlemsstaten i fråga

c) Kunskap om tillämplig försäkringsavtalsrätt, konsumenträtt, dataskyddsrätt, lagstiftning mot penningtvätt och, i förekommande fall, relevant skatterätt samt relevant socialrätt och arbetsrätt

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d) Nödvändig minimikunskap om försäkringsmarknaden och andra relevanta marknader för finansiella tjänster

e) Nödvändig minimikunskap om hantering av klagomål

f) Nödvändig minimikunskap om bedömning av konsumenternas behov

g) Hantering av intressekonflikter

h) Nödvändig minimikunskap om affärsetiska normer

i) Nödvändig miniminivå vad gäller finansiell kompetens

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BILAGA II

DEL A

Upphävt direktiv och en förteckning över dess efterföljande ändringar

Europaparlamentets och rådets direktiv 2002/92/EG (EGT L 9, 15.1.2003, s. 3)

Europaparlamentets och rådets direktiv 2014/65/EU (EUT L 173, 12.6.2014, s. 349)

Europaparlamentets och rådets direktiv (EU) 2016/97 (EUT L 26, 2.2.2016, s. 19)

		DEL B
	Tidsfrister för införlivande med nationell lagstiftning i enlighet med artikel 44
Direktiv		Tidsfrist för införlivande av ändringsdirektiv
2014/65/EU		3.7.2016
(EU) 2016/97		22.2.2016 (vad gäller ändring av direktiv 2002/92/EG i enlighet med artikel 43 i det
		här direktivet)
		23.2.2018 (vad gäller införlivande av det här direktivet i enlighet med artikel 42)

						%LODJD
L 26/58	SV		Europeiska unionens officiella tidning		2.2.2016
			BILAGA III
			Jämförelsetabell
		Direktiv 2002/92/EG		Detta direktiv
Artikel 1.1				Artikel 1.1 och 1.2
Artikel 1.2				Artikel 1.3 och 1.4
Artikel 1.3				Artikel 1.6
Artikel 2.1				Artikel 2.1 led 6
Artikel 2.2				Artikel 2.1 led 7
Artikel 2.3				Artikel 2.1 led 1 och artikel 2.2
Artikel 2.4				Artikel 2.1 led 2 och artikel 2.2
Artikel 2.5				Artikel 2.1 led 3
Artikel 2.6				Artikel 2.1 led 5
Artikel 2.7				—
Artikel 2.8				Artikel 2.1 led 16
Artikel 2.9				Artikel 2.1 led 10
Artikel 2.10				Artikel 2.1 led 11
Artikel 2.11				—
Artikel 2.12				Artikel 2.1 led 18
Artikel 2.13				Artikel 2.1 led 17
Artikel 3.1				Artikel 3.1
Artikel 3.2				Artikel 3.2 och 3.3
Artikel 3.3				Artikel 3.4
Artikel 3.4				—
Artikel 3.5				—
Artikel 3.6				Artikel 16
Artikel 4.1				Artikel 10.1 och 10.2
Artikel 4.2				Artikel 10.3
Artikel 4.3				Artikel 10.4
Artikel 4.4				Artikel 10.6
Artikel 4.5				—
Artikel 4.6				—
Artikel 4.7				Artikel 10.7
Artikel 5				Artikel 40
Artikel 6.1				Artiklarna 4 och 6
Artikel 6.2				—
Artikel 6.3				Artikel 11.1
Artikel 7				Artikel 12
Artikel 8				Artiklarna 5, 7, 31–36

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2.2.2016	SV		Europeiska unionens officiella tidning		L 26/59
		Direktiv 2002/92/EG		Detta direktiv
Artikel 9				Artikel 13
Artikel 10				Artikel 14
Artikel 11				Artikel 15
Artikel 12.1 led a				Artikel 18 led a i och led b i
Artikel 12.1 led b				Artikel 18 led a iv
Artikel 12.1 led c				Artikel 19.1 led a
Artikel 12.1 led d				Artikel 19.1 led b
Artikel 12.1 led e				Artikel 18 led a iii och led b iii samt artikel 19.1 led c
Artikel 12.2				Artikel 20.3
Artikel 12.3				Artikel 20.1
Artikel 12.4				Artikel 22.1
Artikel 12.5				Artikel 22.2 och 22.4
Artikel 13				Artikel 23
Artikel 14				—
Artikel 15				—
Artikel 16				—
Artikel 17				—

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4 a §

Försäkringsförmedlaren ska, ut- över det som anges i 6 kap. 1 och 2 §§, vidta alla rimliga åtgärder, däribland att ha organisatoriska och administrativa system, för att

1. identifiera de intresse- konflikter som kan uppkomma mellan förmedlaren eller någon person eller något företag som har nära förbindelser med förmed- laren och en kund eller mellan olika kunder, och

2. förhindra att kundens intres- sen påverkas negativt av intresse-

konflikter.

%LODJD	Om de åtgärder som försäk-
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	källan		till	intressekonflikterna
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	utföra		försäkringsförmedling						för
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	eller	annan		liknande			ersättning
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	ersättningen			kan		motverka			att
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	4 b §
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	marknadsföra				andra		finansiella
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	försäkringar som tillståndet enligt
	2 kap. 2 § eller registreringen en-
	ligt 2 kap. 4 § andra stycket avser.
	Försäkringsförmedlaren får								dock
	marknadsföra sådana tjänster och
	produkter som kunden kan välja
	inom försäkringen.
	Om försäkringsförmedlaren har
	ett sådant tillstånd för sidoverk-
	samhet		som	avses		i	1 §	första
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All information som en försäk-
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till nytta för utredningen i
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na för gemensam handläggning. I
ett sådant fall får Finansinspek-
tionen, om det kan ske utan betyd-
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då se till att den förutsättning för
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stycket 3 iakttas.

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2014-06-11 Fi2014/2191

)LQDQVGHSDUWHPHQWHW

Finansmarknadsavdelningen

Anna-Karin Vinterhav

Telefon: 08-405 10 43

E-mail: anna-karin.vinterhav@regeringskansliet.se

'V 6WlUNWNRQVXPHQWVN\GGYLGI|UVlNULQJVI|UPHGOLQJ

5HPLVVLQVWDQVHU

1. Hovrätten för Nedre Norrland

2. Stockholms tingsrätt

3. Kammarrätten i Stockholm

4. Förvaltningsrätten i Stockholm

5. Justitiekanslern

6. Konsumentverket

7. Allmänna reklamationsnämnden

8. Arbetsgivarverket

9. Statens tjänstepensionsverk

10. Pensionsmyndigheten

11. Finansinspektionen

12. Konkurrensverket

13. Bolagsverket

14. Regelrådet

15. 2013 års värdepappersmarknadsutredning (Fi 2013:04)

16. Branschorganisationen för privatekonomiska förmedlings- och jämförelsetjänster

17. Finansförbundet

18. FTF – Facket för försäkring och finans

19. Fondbolagens Förening

20. Föreningen för god sed på värdepappersmarknaden

21. Företagarna

22. Konsumenternas Bank- och finansbyrå

23. Konsumenternas Försäkringsbyrå

24. Länsförsäkringsbolagens förening

25. Näringslivets regelnämnd

26. Juridiska fakultetsnämnden vid Stockholms universitet

27. Svenska Bankföreningen

28. Sveriges advokatsamfund

Postadress	Telefonväxel	E-post: registrator@finance.ministry.se
103 33 Stockholm	08-405 10 00
Besöksadress	Telefax	Telex
Drottninggatan 21	08-21 73 86	117 41 FINANS S

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29. Sveriges Aktiesparares Riksförbund

30. Svenska Fondhandlareföreningen

31. Svensk Försäkring

32. Svenska försäkringsföreningen

33. Svenska försäkringsförmedlares förening

34. Sveriges konsumenter

35. Sveriges Kommuner och Landsting

36. Svenskt Näringsliv

37. Utländska försäkringsbolags förening

38. Landsorganisationen i Sverige, LO

39. Sveriges Akademikers Centralorganisation, SACO

40. Tjänstemännens centralorganisation, TCO

41. InsureSec AB

42. Finansbolagens förening

43. SwedSec AB

44. Länsförsäkringar Sak Försäkrings AB

Remissvaren ska ha kommit in till Finansdepartementet, 103 33 Stockholm, senast den VHSWHPEHU. Svaren ska lämnas både skriftligen och per e-post till fi.registrator@regeringskansliet.se

0\QGLJKHWHUXQGHUUHJHULQJHQär skyldiga att svara på remissen. En myndighet avgör dock på eget ansvar om den har några synpunkter att redovisa i ett svar. Om myndigheten inte har några synpunkter, räcker det att svaret ger besked om detta.

För DQGUDUHPLVVLQVWDQVHUinnebär remissen en inbjudan att lämna synpunkter.

Råd om hur remissyttranden utformas finns i Statsrådsberedningens promemoria 6YDUDSnUHPLVV²KXURFKYDUI|U(SB PM 2003:2). Den kan laddas ner från Regeringskansliets webbplats www.regeringen.se.

Göran Haag rättschef

Kopia till

Fritzes kundservice, 106 47 Stockholm

Riksdagens utredningstjänst

Finansutskottet

Registrator, Finansdepartementet

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)|UVODJWLOO ODJRPlQGULQJLODJHQ RPI|UVlNULQJVI|UPHGOLQJ

Härigenom föreskrivs i fråga om lagen (2005:405) om försäkrings- förmedling

dels att 1 kap. 5 §, 5 kap. 1 och 4 §§ samt 8 kap. 6 § ska ha följ- ande lydelse,

dels att det ska införas en ny paragraf, 5 kap. 4 a §, av följande lydelse.

Nuvarande lydelse			Föreslagen lydelse
		1 kap.
		5 §59
När	en	försäkringsförmed-	När	en	försäkringsförmed-
lare utövar sådan sidoverksam-			lare utövar sådan sidoverksam-
het som avses i 2 kap. 5 § första			het som avses i 2 kap. 5 § första
stycket 15 lagen (2007:528) om			stycket 14 lagen (2007:528) om
värdepappersmarknaden, är lagen			värdepappersmarknaden, är lagen
tillämplig även på denna verk-			tillämplig även på denna verk-
samhet, om inte något annat sägs.			samhet, om inte något annat sägs.
		5 kap.
		1 §60
En försäkringsförmedlare får			En försäkringsförmedlare får
efter tillstånd av Finansinspek-			efter tillstånd av Finansinspek-
tionen utöva sådan sidoverk-			tionen utöva sådan sidoverk-
samhet	som	avses i 2 kap. 5 §	samhet	som	avses i 2 kap. 5 §
första stycket 15 lagen (2007:528)			första stycket 14 lagen (2007:528)
om värdepappersmarknaden.			om värdepappersmarknaden.

Vid prövning av en ansökan om tillstånd enligt första stycket gäller bestämmelserna i 2 kap. 5 eller 6 § i tillämpliga delar.

59 Senaste lydelse 2007:565.

60 Senaste lydelse 2007:565.

%LODJD

			4 §61
Försäkringsförmedlaren skall i				Försäkringsförmedlaren ska i
sin verksamhet iaktta god försäk-				sin verksamhet iaktta god försäk-
ringsförmedlingssed och med till-				ringsförmedlingssed och med till-
börlig omsorg ta till vara kundens				börlig omsorg ta till vara kundens
intressen.				intressen.
Försäkringsförmedlaren			skall	Försäkringsförmedlaren				ska
anpassa sin rådgivning efter kun-				anpassa sin rådgivning efter kun-
dens önskemål och behov samt				dens önskemål och behov samt
rekommendera lösningar som är				rekommendera lösningar som är
lämpliga för kunden. Om försäk-				lämpliga för kunden. Om försäk-
ringsförmedlaren har		informerat		ringsförmedlaren		har	informerat
kunden	enligt 6 kap.	2 §	första	kunden	enligt 6 kap.		2 § första
stycket 1 om att han eller hon				stycket 1 om att han eller hon
lämnar rådgivning om försäkring				lämnar rådgivning om försäkring
på grundval av en opartisk analys,				på grundval av en opartisk analys,
är förmedlaren skyldig att lämna				är förmedlaren skyldig att lämna
rådgivningen efter en analys av ett				rådgivningen efter en analys av ett
tillräckligt stort antal försäkrings-				tillräckligt stort antal försäkrings-
avtal på marknaden.				avtal på marknaden.
Förmedlaren skall		avråda en		Förmedlaren		ska	avråda	en
kund som är en fysisk person				kund som är en fysisk person
som handlar huvudsakligen för				som handlar huvudsakligen				för
ändamål som faller utanför när-				ändamål som faller utanför när-
ingsverksamhet från att vidta åt-				ingsverksamhet från att vidta åt-
gärder som inte kan anses lämp-				gärder som inte kan anses lämp-
liga med hänsyn till personens				liga med hänsyn till personens
behov, ekonomiska förhållanden				behov, ekonomiska förhållanden
eller andra omständigheter.				eller andra omständigheter.
Om	försäkringsförmedlaren			Om	försäkringsförmedlaren
utövar sådan sidoverksamhet som				utövar sådan sidoverksamhet som
avses i 1 § första stycket, gäller				avses i 1 § första stycket, gäller
dessutom bestämmelserna i 8 kap.				dessutom bestämmelserna i 8 och
lagen (2007:528) om värde-				9 kap. lagen (2007:528) om värde-
pappersmarknaden för den verk-				pappersmarknaden för den verk-
samheten i tillämpliga delar.				samheten i tillämpliga delar.

61 Senaste lydelse 2007:565.

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					4 a §
					För	en	försäkringsförmedlare
					som i sin verksamhet lämnar råd
					till konsumenter om placeringar i
					finansiella instrument gäller be-
					stämmelserna		i	8 kap. 31 och
					32 §§, 9 kap. 8, 13–16, 20–22, 24,
					25 och 46 §§ lagen (2007:528) om
					värdepappersmarknaden.
				8 kap.
				6 §62
Om Finansinspektionen har					Om Finansinspektionen har
återkallat tillståndet för en för-					återkallat tillståndet för en för-
säkringsförmedlare, skall inspek-					säkringsförmedlare, ska inspek-
tionen snarast underrätta Bolags-					tionen snarast underrätta Bolags-
verket om detta.					verket om detta.
Om Bolagsverket har åter-					Om Bolagsverket har åter-
kallat	registreringen			avseende	kallat	registreringen			avseende
förmedling av livförsäkring eller					förmedling av livförsäkring eller
alla slag av försäkring för en an-					alla slag av försäkring för en an-
knuten	försäkringsförmedlare				knuten	försäkringsförmedlare
som har tillstånd att utöva sådan					som har tillstånd att utöva sådan
sidoverksamhet			som	avses i	sidoverksamhet			som	avses i
2 kap. 5 § första stycket 15 lagen					2 kap. 5 § första stycket 14 lagen
(2007:528)		om	värdepappers-		(2007:528)		om	värdepappers-
marknaden,		skall	Bolagsverket		marknaden,		ska	Bolagsverket
snarast	underrätta		Finansinspek-		snarast	underrätta		Finansinspek-
tionen om detta.					tionen om detta.

Denna lag träder i kraft den 3 januari 2017.

62 Senaste lydelse 2007:565.

%LODJD

%LODJD

%LODJD

Departementsserien 2017

Kronologisk förteckning

1. Elektronisk övervakning av kontaktförbud. Ju.

2. Åldersdifferentierat underhållsstöd och höjt grundavdrag för bidragsskyldiga föräldrar. S.

3. Genomförande av ICT-direktivet. Ju.

4. Sjukpenning i avvaktan på slutligt beslut. S.

5. Effektivare sanktioner i livsmedels- kedjan m.m. N.

6. Förslag till lag om ersättning till personer som har fått ändrad

könstillhörighet fastställd i vissa fall. S.

7. Kommunikation för vår gemensamma säkerhet. Uppdrag om en utvecklad och säker kommunikationslösning för aktörer inom allmän ordning, säkerhet, hälsa och försvar. Ju.

8. Kultursamverkan för ett Sverige som håller ihop. Framtida inriktning och utvecklingsmöjligheter för kultursamverkansmodellen. Ku.

9. Förstärkt rehabilitering för återgång i arbete. S.

10. ILO:s konvention om anständiga arbetsvillkor för hushållsarbetare. A.

11. Ändrade regler om retroaktivitet avseende efterlevandestöd. S.

12. Om förenklat beslutsfattande och särskilda boendeformer för äldre. S.

13. Skadeståndets bestämmande vid finansiell rådgivning. Fi.

14. Vissa ändringar i läkemedelslagen. S.

15. Ökat konsulärt skydd för unionsmedborgare och deras familjemedlemmar. Genomförande av direktiv (EU) 2015/637. UD.

16. Arbetsplatsinspektioner och höjd särskild avgift. Ju.

17. En ny lag om försäkringsdistribution. Fi.

Departementsserien 2017

Systematisk förteckning

Arbetsmarknadsdepartementet

ILO:s konvention om anständiga arbetsvillkor för hushållsarbetare. [10]

Finansdepartementet

Skadeståndets bestämmande vid finansiell rådgivning. [13]

En ny lag om försäkringsdistribution. [17]

Justitiedepartementet

Elektronisk övervakning av kontaktförbud. [1]

Genomförande av ICT-direktivet. [3]

Kommunikation för vår gemensamma säkerhet. Uppdrag om en utvecklad och säker kommunikationslösning för aktörer inom allmän ordning, säkerhet, hälsa och försvar. [7]

Arbetsplatsinspektioner och höjd särskild avgift. [16]

Kulturdepartementet

Kultursamverkan för ett Sverige

som håller ihop. Framtida inriktning och utvecklingsmöjligheter för kultursamverkansmodellen. [8]

Näringsdepartementet

Effektivare sanktioner i livsmedelskedjan m.m. [5]

Socialdepartementet

Åldersdifferentierat underhållsstöd och höjt grundavdrag för bidragsskyldiga föräldrar. [2]

Sjukpenning i avvaktan på slutligt beslut. [4]

Förslag till lag om ersättning till personer som har fått ändrad könstillhörighet fastställd i vissa fall. [6]

Förstärkt rehabilitering för återgång i arbete. [9]

Ändrade regler om retroaktivitet avseende efterlevandestöd. [11]

Om förenklat beslutsfattande och särskilda boendeformer för äldre. [12]

Vissa ändringar i läkemedelslagen. [14]

Utrikesdepartementet

Ökat konsulärt skydd för unionsmedborgare och deras familjemedlemmar. Genomförande av direktiv (EU) 2015/637. [15]

En departementspromemoria är en utredning som arbetats fram inom Regeringskansliet. Utredningen publiceras som en rapport i departementsserien, förkortad Ds.

ISBN 978-91-38-24611-5 ISSN 0284-6012