Regulation 260/2012/EU - SEPA Regulation

Version status: Entered into force | Document consolidation status: Updated to reflect all known changes

Published date: 30 March 2012

	Recitals
	Article 1 Subject matter and scope
	Article 2 Definitions
	Article 3 Reachability
	Article 4 Interoperability
	Article 5 Requirements for credit transfer and direct debit transactions
	Article 5a Instant credit transfer transactions
	Article 5b Charges in respect of credit transfers and verification of the payee
	Article 5c Verification of the payee in the case of credit transfers
	Article 5d Screening of PSUs by PSPs that offer instant credit transfers to verify whether a PSU is a person or entity subject to targeted financial restrictive measures
	Article 6 End-dates
	Article 7 Validity of mandates and right to a refund
	Article 8 Interchange fees for direct debit transactions
	Article 9 Payment accessibility
	Article 10 Competent authorities
	Article 11 Penalties
	Article 12 Out-of-court complaint and redress procedures
	Article 13 Delegation of power
	Article 14 Exercise of the delegation
	Article 15 Review
	Article 16 Transitional provisions
	Article 17 Amendments to Regulation (EC) No 924/2009
	Article 18 Entry into force
	Annex Technical Requirements (Article 5)
	Done at