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Summary of the Practical Guide to Competent Authorities on Notification Templates under the RTS on Passporting under PSD2

Core Content

This document provides a practical guide for competent authorities on the use of notification templates under the Regulatory Technical Standards (RTS) on passporting under the second Payment Services Directive (PSD2). It aims to clarify the procedures and requirements for notifying the European Banking Authority (EBA) and national competent authorities (NCAs) regarding passporting activities by payment institutions and payment service providers (PISPs) across the European Economic Area (EEA).

Main Objectives

• To ensure consistency and clarity in the notification process for passporting activities.
• To provide guidance on the appropriate use of notification templates by competent authorities.
• To facilitate the EBA’s monitoring and supervision of passporting activities under PSD2.

Key Information

1. Passporting under PSD2

Passporting refers to the ability of a payment institution or PISP to provide payment services in other EEA member states without needing to obtain a separate license in each state. This is a key mechanism for cross-border service delivery under PSD2.

2. Notification Requirements

Under the RTS, payment institutions and PISPs are required to notify competent authorities in the EEA member states where they intend to offer payment services. This notification must include relevant information about the service, the provider, and the applicable regulatory framework.

3. Notification Templates

The EBA has developed standardized notification templates to streamline the process and ensure uniformity in the data provided. These templates are designed to capture all necessary details about the passporting activity, including:

• The type of payment service being offered.
• The legal entity of the provider.
• The scope of the service.
• The competent authority in the home country.
• The EEA member states where the service will be provided.

4. Use of Templates by Competent Authorities

Competent authorities are advised to use the EBA-provided templates when receiving notifications from payment institutions and PISPs. The templates help in:

• Structuring the notification in a consistent and clear manner.
• Facilitating the EBA’s review and analysis of passporting activities.
• Ensuring that all relevant information is captured for regulatory oversight.

5. Implementation and Supervision

The guide outlines the steps for competent authorities to implement the notification process, including:

• Receiving and processing notifications.
• Verifying the completeness and accuracy of the information.
• Communicating with the EBA and other NCAs as needed.
• Ensuring compliance with national and EU regulations.

6. Coordination Between Authorities

It emphasizes the importance of coordination between competent authorities and the EBA, as well as among NCAs, to ensure a harmonized approach to passporting activities. This includes the sharing of information and the alignment of supervisory practices.

Main Views

• Standardization: The use of standardized templates is crucial for ensuring consistency in notifications.
• Transparency: Clear and structured notifications enhance transparency and aid in regulatory oversight.
• Collaboration: Effective collaboration between competent authorities and the EBA is essential for the proper implementation of passporting rules.
• Compliance: The guide supports the compliance of payment institutions and PISPs with the requirements of PSD2 and the RTS.

Conclusion

The practical guide serves as a valuable resource for competent authorities to understand and implement the notification process for passporting activities under PSD2. It promotes a structured, transparent, and harmonized approach to cross-border payment services, which is essential for the effective functioning of the single market for financial services.