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Directive 2009/110/EC - E-Money Directive (EMD2)RecitalsTitle I Scope and definitions (arts. 1-2)Article 1 Subject matter and scopeArticle 2 DefinitionsTitle II Requirements for the taking up, pursuit and prudential supervision of the business of electronic money institutions (arts. 3-9)Article 3 General prudential rulesArticle 4 Initial capitalArticle 5 Own fundsArticle 6 ActivitiesArticle 7 Safeguarding requirementsArticle 8 Relations with third countriesArticle 9 Optional exemptionsTitle III Issuance and redeemability of electronic money (arts. 10-13)Article 10 Prohibition from issuing electronic moneyArticle 11 Issuance and redeemabilityArticle 12 Prohibition of interestArticle 13 Out-of-court complaint and redress procedures for the settlement of disputesTitle IV Final Provisions and implementing measures (arts. 14-24)Article 14 Implementing measuresArticle 15 Committee procedureArticle 16 Full harmonisationArticle 17 ReviewArticle 18 Transitional provisionsArticle 19 Amendments to Directive 2005/60/ECArticle 20 Amendments to Directive 2006/48/ECArticle 21 RepealArticle 22 TranspositionArticle 23 Entry into forceArticle 24 AddresseesDone at
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Version status: Entered into force | Document consolidation status: Updated to reflect all known changes
Version date: 30 October 2009 - onwards
Version 2 of 2

Article 13 Out-of-court complaint and redress procedures for the
settlement of disputes

DRAFT To be repealed Article 48 Repeal of the Proposal for a Directive of the European Parliament and of the Council on payment services and electronic money services in the Internal Market amending Directive 98/26/EC and repealing Directives 2015/2366/EU and 2009/110/EC (COM(2023) 366 final / 2023/0209 (COD)) (PSD3) (updated 19 April 2024 with Information Note)
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Without prejudice to this Directive, Chapter 5 of Title IV of Directive 2007/64/EC shall apply mutatis mutandis to electronic money issuers in respect of their duties arising from this Title.

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