Regulatory Alerts2019-07-25
Added · Updated
ASPSPs allowed to offer customer dashboards for TPP consent management
Account servicing payment service providers (ASPSPs) are permitted to provide customers with an overview of third-party providers to which consent has been granted and to facilitate the withdrawal of such consent. When consent is withdrawn, ASPSPs must notify the relevant third-party providers using a standardized notification within the interface. Under Article 32(2) of the RTS on strong customer authentication and common and secure communication, ASPSPs implementing these options must not create additional obstacles to the provision of payment initiation and account information services.
Q&A
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Question:
Is an ASPSP, usually a bank, allowed to offer a customer an overview of the third party providers (TPPs) to which the customer has granted their consent, and is the ASPSP allowed to withdraw such consent at the customer's request?
Published: 25 July 2019
Answer:
Yes, an ASPSP, usually a bank, is allowed to offer a customer an overview of the payment initiation and account information service providers to which the customer has granted their consent. It may also in a neutral manner offer the customer the possibility to withdraw this consent through the overview. When consent is withdrawn, the ASPSP must inform the TPP accordingly using a standardised notification in the interface used.
Pursuant to Article 32(2) of the RTS on strong customer authentication and common and secure communication, ASPSPs that offer such options may not create any additional obstacles to the provision of payment initiation and account information services. Such obstacles would undermine the PSD2's objective of creating a level playing field between banks and payment institutions.
Base law
Artikel 1 Wft (Refers to an external site)
Artikel 522b van Boek 7 van het Burgerlijk Wetboek (Refers to an external site)
Artikel 522c van Boek 7 van het Burgerlijk Wetboek (Refers to an external site)
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Payment services
Banks
Electronic money institutions
Payment institutions
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