{
  "url": "https://openlegislation.uk/electronic-money-regulations-2011",
  "json_url": "https://openlegislation.uk/electronic-money-regulations-2011.json",
  "id": "uksi/2011/99",
  "title": "The Electronic Money Regulations 2011",
  "short_title": "Electronic Money 2011",
  "long_title": "These Regulations implement Directive 2009/110/EC of the European Parliament and of the Council of 16th September 2009 on the taking up, pursuit and prudential supervision of the business of electronic money institutions (“the Directive”) (OJ No L 275, 27.10.2000, p.39).",
  "citation": "S.I. 2011/99",
  "type": "uksi",
  "year": "2011",
  "number": "99",
  "version": "current",
  "date": "2011-01-18",
  "revised": true,
  "valid_from": "2026-02-25",
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 4,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/introduction",
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "part/1",
      "kind": "part",
      "number": "1",
      "heading": "INTRODUCTORY PROVISIONS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/1",
      "kind": "regulation",
      "number": "1",
      "heading": "Citation and commencement",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-1",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/2",
      "kind": "regulation",
      "number": "2",
      "heading": "Interpretation",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3",
      "kind": "regulation",
      "number": "3",
      "heading": "Electronic money: exclusions",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3ZA",
      "kind": "regulation",
      "number": "3ZA",
      "heading": "Electronic money: further exclusions",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-3ZA",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3A",
      "kind": "regulation",
      "number": "3A",
      "heading": "Notification of use of limited network exclusion",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-3A",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "regulation/3B",
      "kind": "regulation",
      "number": "3B",
      "heading": "Notification of use of electronic communications exclusion",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-3B",
      "extent": null,
      "status": null,
      "parent": "part/1"
    },
    {
      "path": "part/2",
      "kind": "part",
      "number": "2",
      "heading": "REGISTRATION",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "part/2/crossheading/the-register",
      "kind": "crossheading",
      "number": null,
      "heading": "The register",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/4",
      "kind": "regulation",
      "number": "4",
      "heading": "The register of certain electronic money issuers",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2/crossheading/the-register"
    },
    {
      "path": "part/2/crossheading/authorisation",
      "kind": "crossheading",
      "number": null,
      "heading": "Authorisation",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/5",
      "kind": "regulation",
      "number": "5",
      "heading": "Application to become an authorised electronic money institution or variation of an existing authorisation",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-5",
      "extent": null,
      "status": null,
      "parent": "part/2/crossheading/authorisation"
    },
    {
      "path": "regulation/6",
      "kind": "regulation",
      "number": "6",
      "heading": "Conditions for authorisation",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-6",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2/crossheading/authorisation"
    },
    {
      "path": "regulation/7",
      "kind": "regulation",
      "number": "7",
      "heading": "Imposition of requirements",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-7",
      "extent": null,
      "status": null,
      "parent": "part/2/crossheading/authorisation"
    },
    {
      "path": "regulation/8",
      "kind": "regulation",
      "number": "8",
      "heading": "Variation etc at request of an authorised electronic money institution",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2/crossheading/authorisation"
    },
    {
      "path": "regulation/9",
      "kind": "regulation",
      "number": "9",
      "heading": "Determination of application for authorisation or variation of authorisation",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-9",
      "extent": null,
      "status": null,
      "parent": "part/2/crossheading/authorisation"
    },
    {
      "path": "regulation/10",
      "kind": "regulation",
      "number": "10",
      "heading": "Cancellation of authorisation",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-10",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2/crossheading/authorisation"
    },
    {
      "path": "regulation/11",
      "kind": "regulation",
      "number": "11",
      "heading": "Variation of authorisation on Authority's own initiative",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-11",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2/crossheading/authorisation"
    },
    {
      "path": "part/2/crossheading/registration-as-a-small-electronic-money-institution",
      "kind": "crossheading",
      "number": null,
      "heading": "Registration as a small electronic money institution",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/12",
      "kind": "regulation",
      "number": "12",
      "heading": "Application for registration as a small electronic money institution or variation of an existing registration",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-12",
      "extent": null,
      "status": null,
      "parent": "part/2/crossheading/registration-as-a-small-electronic-money-institution"
    },
    {
      "path": "regulation/13",
      "kind": "regulation",
      "number": "13",
      "heading": "Conditions for registration",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-13",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2/crossheading/registration-as-a-small-electronic-money-institution"
    },
    {
      "path": "regulation/14",
      "kind": "regulation",
      "number": "14",
      "heading": "Average outstanding electronic money",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-14",
      "extent": null,
      "status": null,
      "parent": "part/2/crossheading/registration-as-a-small-electronic-money-institution"
    },
    {
      "path": "regulation/15",
      "kind": "regulation",
      "number": "15",
      "heading": "Supplementary provisions",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-15",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2/crossheading/registration-as-a-small-electronic-money-institution"
    },
    {
      "path": "regulation/16",
      "kind": "regulation",
      "number": "16",
      "heading": "Application for authorisation if requirements cease to be met",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-16",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/2/crossheading/registration-as-a-small-electronic-money-institution"
    },
    {
      "path": "part/2/crossheading/common-provisions",
      "kind": "crossheading",
      "number": null,
      "heading": "Common provisions",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/2"
    },
    {
      "path": "regulation/17",
      "kind": "regulation",
      "number": "17",
      "heading": "Duty to notify changes",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-17",
      "extent": null,
      "status": null,
      "parent": "part/2/crossheading/common-provisions"
    },
    {
      "path": "regulation/18",
      "kind": "regulation",
      "number": "18",
      "heading": "Electronic money institutions acting without permission",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-18",
      "extent": null,
      "status": null,
      "parent": "part/2/crossheading/common-provisions"
    },
    {
      "path": "part/3",
      "kind": "part",
      "number": "3",
      "heading": "PRUDENTIAL SUPERVISION ...",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "part/3/crossheading/capital-requirements",
      "kind": "crossheading",
      "number": null,
      "heading": "Capital requirements",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/19",
      "kind": "regulation",
      "number": "19",
      "heading": "Capital requirements",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-19",
      "extent": null,
      "status": null,
      "parent": "part/3/crossheading/capital-requirements"
    },
    {
      "path": "part/3/crossheading/safeguarding",
      "kind": "crossheading",
      "number": null,
      "heading": "Safeguarding",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/20",
      "kind": "regulation",
      "number": "20",
      "heading": "Safeguarding requirements",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-20",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3/crossheading/safeguarding"
    },
    {
      "path": "regulation/21",
      "kind": "regulation",
      "number": "21",
      "heading": "Safeguarding option 1",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-21",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3/crossheading/safeguarding"
    },
    {
      "path": "regulation/22",
      "kind": "regulation",
      "number": "22",
      "heading": "Safeguarding option 2",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-22",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3/crossheading/safeguarding"
    },
    {
      "path": "regulation/23",
      "kind": "regulation",
      "number": "23",
      "heading": "Power of the Authority to exclude assets",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-23",
      "extent": null,
      "status": null,
      "parent": "part/3/crossheading/safeguarding"
    },
    {
      "path": "regulation/24",
      "kind": "regulation",
      "number": "24",
      "heading": "Insolvency events (except electronic money institution special administration)",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-24",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3/crossheading/safeguarding"
    },
    {
      "path": "regulation/24A",
      "kind": "regulation",
      "number": "24A",
      "heading": "Insolvency Regulations",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-24A",
      "extent": null,
      "status": null,
      "parent": "part/3/crossheading/safeguarding"
    },
    {
      "path": "regulation/25",
      "kind": "regulation",
      "number": "25",
      "heading": "Accounting and statutory audit",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-25",
      "extent": null,
      "status": null,
      "parent": "part/3/crossheading/safeguarding"
    },
    {
      "path": "regulation/26",
      "kind": "regulation",
      "number": "26",
      "heading": "Outsourcing",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-26",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3/crossheading/safeguarding"
    },
    {
      "path": "regulation/27",
      "kind": "regulation",
      "number": "27",
      "heading": "Record keeping",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-27",
      "extent": null,
      "status": null,
      "parent": "part/3/crossheading/safeguarding"
    },
    {
      "path": "part/3/crossheading/exercise-of-passport-rights",
      "kind": "crossheading",
      "number": null,
      "heading": "Exercise of passport rights",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/3"
    },
    {
      "path": "regulation/28",
      "kind": "regulation",
      "number": "28",
      "heading": "Notice of intention",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-28",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/3/crossheading/exercise-of-passport-rights"
    },
    {
      "path": "regulation/29",
      "kind": "regulation",
      "number": "29",
      "heading": "Decision following notice of intention",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-29",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/3/crossheading/exercise-of-passport-rights"
    },
    {
      "path": "regulation/29A",
      "kind": "regulation",
      "number": "29A",
      "heading": "Notice of intention from an EEA authorised payment institution",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-29A",
      "extent": null,
      "status": "repealed",
      "parent": "part/3/crossheading/exercise-of-passport-rights"
    },
    {
      "path": "regulation/30",
      "kind": "regulation",
      "number": "30",
      "heading": "Supervision of firms exercising passport rights",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-30",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/3/crossheading/exercise-of-passport-rights"
    },
    {
      "path": "regulation/31",
      "kind": "regulation",
      "number": "31",
      "heading": "Carrying on of Consumer Credit Act business by an EEA authorised electronic money institution",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-31",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": "part/3/crossheading/exercise-of-passport-rights"
    },
    {
      "path": "part/4",
      "kind": "part",
      "number": "4",
      "heading": "ADDITIONAL ACTIVITIES AND USE OF DISTRIBUTORS AND AGENTS",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/31A",
      "kind": "regulation",
      "number": "31A",
      "heading": "Record keeping",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-31A",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/32",
      "kind": "regulation",
      "number": "32",
      "heading": "Additional activities",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-32",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/33",
      "kind": "regulation",
      "number": "33",
      "heading": "Use of distributors and agents",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-33",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/34",
      "kind": "regulation",
      "number": "34",
      "heading": "Requirement for agents to be registered",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-34",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/35",
      "kind": "regulation",
      "number": "35",
      "heading": "Removal of agents from the register",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-35",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/36",
      "kind": "regulation",
      "number": "36",
      "heading": "Reliance",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-36",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "regulation/37",
      "kind": "regulation",
      "number": "37",
      "heading": "Duty to notify change in circumstance",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-37",
      "extent": null,
      "status": null,
      "parent": "part/4"
    },
    {
      "path": "part/5",
      "kind": "part",
      "number": "5",
      "heading": "ISSUANCE AND REDEEMABILITY OF ELECTRONIC MONEY",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "regulation/38",
      "kind": "regulation",
      "number": "38",
      "heading": "Application of Part 5",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-38",
      "extent": null,
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/39",
      "kind": "regulation",
      "number": "39",
      "heading": "Issuance and redeemability",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-39",
      "extent": null,
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/40",
      "kind": "regulation",
      "number": "40",
      "heading": "Conditions of redemption",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-40",
      "extent": null,
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/41",
      "kind": "regulation",
      "number": "41",
      "heading": "Fees for redemption",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-41",
      "extent": null,
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/42",
      "kind": "regulation",
      "number": "42",
      "heading": "Amount of redemption",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-42",
      "extent": null,
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/43",
      "kind": "regulation",
      "number": "43",
      "heading": "Requests for redemption",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-43",
      "extent": null,
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/44",
      "kind": "regulation",
      "number": "44",
      "heading": "Redemption rights of persons other than consumers",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-44",
      "extent": null,
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/45",
      "kind": "regulation",
      "number": "45",
      "heading": "Prohibition of interest",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-45",
      "extent": null,
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "regulation/46",
      "kind": "regulation",
      "number": "46",
      "heading": "Termination of a contract",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-46",
      "extent": null,
      "status": null,
      "parent": "part/5"
    },
    {
      "path": "part/6",
      "kind": "part",
      "number": "6",
      "heading": "THE AUTHORITY",
      "url": null,
      "extent": null,
      "status": null,
      "parent": null
    },
    {
      "path": "part/6/crossheading/the-functions-of-the-authority",
      "kind": "crossheading",
      "number": null,
      "heading": "The functions of the Authority",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/6"
    },
    {
      "path": "regulation/47",
      "kind": "regulation",
      "number": "47",
      "heading": "Functions of the Authority",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-47",
      "extent": null,
      "status": null,
      "parent": "part/6/crossheading/the-functions-of-the-authority"
    },
    {
      "path": "part/6/crossheading/supervision-and-enforcement",
      "kind": "crossheading",
      "number": null,
      "heading": "Supervision and enforcement",
      "url": null,
      "extent": null,
      "status": null,
      "parent": "part/6"
    },
    {
      "path": "regulation/48",
      "kind": "regulation",
      "number": "48",
      "heading": "Monitoring and enforcement",
      "url": "https://openlegislation.uk/electronic-money-regulations-2011/regulation-48",
      "extent": null,
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