{
  "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015",
  "json_url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015.json",
  "id": "ukdsi/2015/9780111140697",
  "title": "The Payment Accounts Regulations 2015",
  "short_title": "Payment Accounts 2015",
  "long_title": "These Regulations implement Directive 2014/92/EU of the European Parliament and of the Council of 23rd July 2014 on the comparability of fees related to payment accounts, payment account switching and access to payment accounts with basic features (“PAD”) (OJ L257, 28.8.2014, p.214).",
  "citation": "Draft 2015, ISBN 9780111140697",
  "type": "ukdsi",
  "year": "2015",
  "number": "9780111140697",
  "version": "current",
  "date": null,
  "revised": false,
  "valid_from": null,
  "extent": null,
  "unapplied_effects": 0,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/introduction",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "part/1",
      "kind": "part",
      "number": "1",
      "heading": "Introductory provisions",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation and commencement",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-1",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Interpretation",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-2",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "part/2",
      "kind": "part",
      "number": "2",
      "heading": "Comparability of fees connected with payment accounts",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Publication of the linked services list",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-3",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "Periodic review of the linked services list",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-4",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/5",
      "kind": "regulation",
      "number": "5",
      "heading": "Revision of the linked services list",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-5",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/6",
      "kind": "regulation",
      "number": "6",
      "heading": "Glossary",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-6",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
      "number": "7",
      "heading": "Information for consumers",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-7",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/8",
      "kind": "regulation",
      "number": "8",
      "heading": "Fee information document",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-8",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/9",
      "kind": "regulation",
      "number": "9",
      "heading": "Availability of fee information document and glossary",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-9",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/10",
      "kind": "regulation",
      "number": "10",
      "heading": "Statement of fees",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-10",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/11",
      "kind": "regulation",
      "number": "11",
      "heading": "Branding",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-11",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/12",
      "kind": "regulation",
      "number": "12",
      "heading": "The comparison website",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-12",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/13",
      "kind": "regulation",
      "number": "13",
      "heading": "Payment accounts packaged with another product or service",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-13",
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "part/3",
      "kind": "part",
      "number": "3",
      "heading": "Switching",
      "url": null,
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    },
    {
      "path": "regulation/14",
      "kind": "regulation",
      "number": "14",
      "heading": "Provision of the switching service",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-14",
      "extent": null,
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/15",
      "kind": "regulation",
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      "heading": "Alternative arrangements",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-15",
      "extent": null,
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    },
    {
      "path": "regulation/16",
      "kind": "regulation",
      "number": "16",
      "heading": "Designation of alternative arrangements etc.",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-16",
      "extent": null,
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/17",
      "kind": "regulation",
      "number": "17",
      "heading": "Facilitation of cross-border account opening for consumers",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-17",
      "extent": null,
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "part/4",
      "kind": "part",
      "number": "4",
      "heading": "Access to payment accounts",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/18",
      "kind": "regulation",
      "number": "18",
      "heading": "Non-discrimination in the provision of payment accounts",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-18",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/19",
      "kind": "regulation",
      "number": "19",
      "heading": "Payment account with basic features",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-19",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/20",
      "kind": "regulation",
      "number": "20",
      "heading": "Fees",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-20",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/21",
      "kind": "regulation",
      "number": "21",
      "heading": "Designated credit institutions",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-21",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/22",
      "kind": "regulation",
      "number": "22",
      "heading": "Duty to offer a payment account with basic features",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-22",
      "extent": null,
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    },
    {
      "path": "regulation/23",
      "kind": "regulation",
      "number": "23",
      "heading": "Eligibility criteria",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-23",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/24",
      "kind": "regulation",
      "number": "24",
      "heading": "Timescale for opening a payment account with basic features",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-24",
      "extent": null,
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      "parent": "part/4"
    },
    {
      "path": "regulation/25",
      "kind": "regulation",
      "number": "25",
      "heading": "Refusal of application",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-25",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/26",
      "kind": "regulation",
      "number": "26",
      "heading": "Framework contracts and termination",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-26",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/27",
      "kind": "regulation",
      "number": "27",
      "heading": "General information on payment accounts with basic features",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-27",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "part/5",
      "kind": "part",
      "number": "5",
      "heading": "The Authority",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/28",
      "kind": "regulation",
      "number": "28",
      "heading": "Monitoring and enforcement",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-28",
      "extent": null,
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    },
    {
      "path": "regulation/29",
      "kind": "regulation",
      "number": "29",
      "heading": "Reporting requirements",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-29",
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    {
      "path": "regulation/30",
      "kind": "regulation",
      "number": "30",
      "heading": "Power to direct payment service providers",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-30",
      "extent": null,
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    {
      "path": "regulation/31",
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      "heading": "Power of direction: procedure",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-31",
      "extent": null,
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    {
      "path": "regulation/32",
      "kind": "regulation",
      "number": "32",
      "heading": "Right to refer matters to the Tribunal",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-32",
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    {
      "path": "regulation/33",
      "kind": "regulation",
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      "heading": "Public censure – payment service providers",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-33",
      "extent": null,
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    {
      "path": "regulation/34",
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      "heading": "Financial penalties – payment service providers",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-34",
      "extent": null,
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    {
      "path": "regulation/35",
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      "heading": "Disciplinary powers",
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      "path": "regulation/36",
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      "heading": "Proposal to take disciplinary measures",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-36",
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    {
      "path": "regulation/37",
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      "heading": "Financial penalties – general",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-37",
      "extent": null,
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    {
      "path": "regulation/38",
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      "heading": "Injunctions",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-38",
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    {
      "path": "regulation/39",
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      "heading": "Costs of supervision",
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    {
      "path": "regulation/40",
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      "heading": "Guidance",
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      "extent": null,
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    },
    {
      "path": "regulation/41",
      "kind": "regulation",
      "number": "41",
      "heading": "Authority’s exemption from liability in damages",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-41",
      "extent": null,
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      "parent": "part/5"
    },
    {
      "path": "regulation/42",
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      "number": "42",
      "heading": "Application and modification",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-42",
      "extent": null,
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    },
    {
      "path": "part/6",
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      "heading": "Evaluation and review",
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      "path": "regulation/43",
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      "heading": "Evaluation",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-43",
      "extent": null,
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      "path": "regulation/44",
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      "heading": "Review",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/regulation-44",
      "extent": null,
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    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/signature",
      "extent": null,
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    },
    {
      "path": "schedule/1",
      "kind": "schedule",
      "number": "1",
      "heading": "Content and presentational format of the fee information document",
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    },
    {
      "path": "schedule/1/paragraph/1",
      "kind": "paragraph",
      "number": "1",
      "heading": "Compliance with implementing technical standards",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/schedule-1/paragraph-1",
      "extent": null,
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    {
      "path": "schedule/1/paragraph/2",
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      "heading": "Content",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/schedule-1/paragraph-2",
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    {
      "path": "schedule/1/paragraph/3",
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      "heading": "Packages of services",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/schedule-1/paragraph-3",
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    {
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      "path": "schedule/3",
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    {
      "path": "schedule/3/paragraph/1",
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      "heading": "Interpretation",
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    {
      "path": "schedule/3/paragraph/2",
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      "heading": "Authorisation",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/schedule-3/paragraph-2",
      "extent": null,
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    {
      "path": "schedule/3/paragraph/3",
      "kind": "paragraph",
      "number": "3",
      "heading": "Request from the receiving payment service provider",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/schedule-3/paragraph-3",
      "extent": null,
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    {
      "path": "schedule/3/paragraph/4",
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      "heading": "Tasks for the transferring payment service provider",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/schedule-3/paragraph-4",
      "extent": null,
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    {
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      "heading": "Tasks for the receiving payment service provider",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/schedule-3/paragraph-5",
      "extent": null,
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    {
      "path": "schedule/3/paragraph/6",
      "kind": "paragraph",
      "number": "6",
      "heading": "Fees connected with the switching service",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/schedule-3/paragraph-6",
      "extent": null,
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    {
      "path": "schedule/3/paragraph/7",
      "kind": "paragraph",
      "number": "7",
      "heading": "Financial loss for consumers",
      "url": "https://openlegislation.uk/draft-payment-accounts-regulations-2015/schedule-3/paragraph-7",
      "extent": null,
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    {
      "path": "schedule/3/paragraph/8",
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      "number": "8",
      "heading": "Information about the switching service",
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      "extent": null,
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      "path": "schedule/4",
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      "heading": "Interpretation",
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