Area: Finance
Competent authority: MF
EZU URL: .nan
Initiative ID: 458
Initiative accepted and completed: '2015-03-09'
Initiative classified in EZU: .nan
Initiative forwarded in response: '2015-02-18'
Initiative published: '2015-02-18'
Initiative submitted: '2015-02-18'
Response from the competent authority: Reply from the Ministry of Finance:In recent
  years, the European Union has placed great emphasis on the creation of a single
  euro payments area, the so-called Single Euro Payments Area. The European Parliament
  has spent considerable efforts in the last few years on the implementation of the
  Single Euro Payments Area (SEPA) and has adopted a number of regulations to this
  end. The aim of SEPA is to enable businesses and citizens in the euro area to make
  payments quickly, efficiently, cheaply and on equal terms. These regulations include
  Regulation (EU) No 260/2012 of the European Parliament and of the Council of 14
  March 2012 establishing technical and business requirements for credit transfers
  by indirect debit in euro ("Regulation 260/2012/EU").Regulation 260/2012/EU defines
  a direct debit (a "durable debit") as a national or cross-border payment service
  debited to the payer's payment account, where the payment transaction is ordered
  by the payee on the basis of the payer's consent. According to Article 5(3) of Regulation
  260/2012/EU, payment service providers (banks) execute direct debits by the payer
  giving consent to the payee and the payer's payment service provider (directly or
  indirectly via the payee), and the authorisations are stored by the payee. This
  is a change from the previous regime in Slovenia, where payers (debtors) gave their
  bank the authorisation to execute direct debits, and the change has been applicable
  since Ieta2013.Regulation 260/2012/EU established the regime that was prevalent
  in the European area in order to unify the regulation of direct debit transactions
  in the European Union. Given that the purpose of Regulation 260/2012/EU is to enable
  direct debit payments throughout the European Union and the Regulation is directly
  applicable in Slovenia, it is not possible to change the existing regulation in
  this area.For the above reasons, we do not support the initiative.
Text file: 458.txt
Title: Power of attorney in transactions with the bank
URL: https://www.stopbirokraciji.gov.si/pobuda/?st=458
