The Commission shall, by 13 January 2021, submit to the European Parliament, the Council, the ECB and the European Economic and Social Committee, a report on the application and impact of this Directive, and in particular on:

(a) the appropriateness and the impact of the rules on charges as set out in Article 62(3), (4) and (5);

(b) the application of Article 2(3) and (4), including an assessment of whether Titles III and IV can, where technically feasible, be applied in full to payment transactions referred to in those paragraphs;

(c) access to payment systems, having regard in particular to the level of competition;

(d) the appropriateness and the impact of the thresholds for the payment transactions referred to in point (l) of Article 3;

(e) the appropriateness and the impact of the threshold for the exemption referred to in point (a) of Article 32(1);