On 17 February 2017, we blogged that the European Banking Authority (EBA) published for consultation draft guidelines that govern the process for complaints that payment service users and other interested parties can submit to Member State national competent authorities (NCAs) with regard to payment service providers’ (PSPs) alleged infringements of the revised Payment Services Directive (PSD2). The consultation closed on 16 May 2017.

The EBA has now published a final report on the guidelines.

Taking into consideration the responses received from stakeholders during the consultation, the EBA has introduced some minor changes to the guidelines, for example to clarify that the types of complainants that are considered to be “other interested parties” for the purposes of the guidelines, includes PSPs that are affected by the situation(s) that gave rise to the complaint.

In terms of next steps, the guidelines will now be translated into the official EU languages and published on the EBA’s website. The deadline for NCAs to report whether or not they comply with the guidelines is two months after the publication of the translations. The guidelines will apply from 13 January 2018.

View EBA guidelines on procedures for complaints of infringements of PSD2, 13 October 2017