{
  "url": "https://openlegislation.uk/eu-regulation-2012-260",
  "json_url": "https://openlegislation.uk/eu-regulation-2012-260.json",
  "id": "eur/2012/260",
  "title": "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 and direct debits in euro and amending Regulation (EC) No 924/2009 (Text with EEA relevance)",
  "short_title": "Regulation (EU) No 260/2012 establishing technical and business requirements for credit transfers and direct…",
  "long_title": "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 and direct debits in euro and amending Regulation (EC) No 924/2009 (Text with EEA relevance)",
  "citation": "EU Regulation No 260/2012",
  "type": "eur",
  "year": "2012",
  "number": "260",
  "version": "current",
  "date": "2012-03-14",
  "revised": false,
  "valid_from": null,
  "extent": "E+W+S+N.I.",
  "unapplied_effects": 1,
  "provisions": [
    {
      "path": "introduction",
      "kind": "introduction",
      "number": null,
      "heading": "Introductory text",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/introduction",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/1",
      "kind": "article",
      "number": "1",
      "heading": "Subject matter and scope",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/2",
      "kind": "article",
      "number": "2",
      "heading": "Definitions",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/3",
      "kind": "article",
      "number": "3",
      "heading": "Reachability",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/4",
      "kind": "article",
      "number": "4",
      "heading": "Interoperability",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-4",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/5",
      "kind": "article",
      "number": "5",
      "heading": "Requirements for credit transfer and direct debit transactions",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-5",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/6",
      "kind": "article",
      "number": "6",
      "heading": "End-dates",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-6",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/7",
      "kind": "article",
      "number": "7",
      "heading": "Validity of mandates and right to a refund",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-7",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/8",
      "kind": "article",
      "number": "8",
      "heading": "Interchange fees for direct debit transactions",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-8",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/9",
      "kind": "article",
      "number": "9",
      "heading": "Payment accessibility",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-9",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/10",
      "kind": "article",
      "number": "10",
      "heading": "Competent authorities",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-10",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/11",
      "kind": "article",
      "number": "11",
      "heading": "Penalties",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-11",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/12",
      "kind": "article",
      "number": "12",
      "heading": "Out-of-court complaint and redress procedures",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-12",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/13",
      "kind": "article",
      "number": "13",
      "heading": "Power to amend technical requirements",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-13",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "article/14",
      "kind": "article",
      "number": "14",
      "heading": "Exercise of the delegation",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-14",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/15",
      "kind": "article",
      "number": "15",
      "heading": "Review",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-15",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/16",
      "kind": "article",
      "number": "16",
      "heading": "Transitional provisions",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-16",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/17",
      "kind": "article",
      "number": "17",
      "heading": "Amendments to Regulation (EC) No 924/2009",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-17",
      "extent": "E+W+S+N.I.",
      "status": "repealed",
      "parent": null
    },
    {
      "path": "article/18",
      "kind": "article",
      "number": "18",
      "heading": "Entry into force",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/article-18",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "signature",
      "kind": "signature",
      "number": null,
      "heading": "Signature",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/signature",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "annex",
      "kind": "annex",
      "number": null,
      "heading": "TECHNICAL REQUIREMENTS (ARTICLE 5)",
      "url": null,
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": null
    },
    {
      "path": "annex/division/1",
      "kind": "division",
      "number": "(1)",
      "heading": "In addition to the essential requirements set out in Article 5, the following technical requirements shall apply to credit transfers and direct debit transactions:",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/annex/division-1",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex"
    },
    {
      "path": "annex/division/2",
      "kind": "division",
      "number": "(2)",
      "heading": "In addition to the requirements referred to in point (1), the following requirements shall apply to credit transfer transactions:",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/annex/division-2",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex"
    },
    {
      "path": "annex/division/3",
      "kind": "division",
      "number": "(3)",
      "heading": "In addition to the requirements referred to in point (1), the following requirements shall apply to direct debit transactions:",
      "url": "https://openlegislation.uk/eu-regulation-2012-260/annex/division-3",
      "extent": "E+W+S+N.I.",
      "status": null,
      "parent": "annex"
    }
  ],
  "outstanding_effects": [
    {
      "type": "revoked",
      "affected_provisions": "Regulation",
      "affecting": "ukpga/2023/29",
      "affecting_title": "Financial Services and Markets Act 2023",
      "affecting_provisions": "Sch. 1 Pt. 1"
    }
  ],
  "made_under": [],
  "changes_made_to": 1,
  "changes_made_to_url": "https://openlegislation.uk/eu-regulation-2012-260/changes.json",
  "changes_made_by": 0,
  "changes_made_by_url": "https://openlegislation.uk/eu-regulation-2012-260/changes/by-it.json",
  "instruments_made_under": 0,
  "instruments_made_under_url": "https://openlegislation.uk/eu-regulation-2012-260/instruments.json",
  "provenance": {
    "source": "legislation.gov.uk",
    "source_url": "https://www.legislation.gov.uk/eur/2012/260",
    "retrieved_at": "2026-11-01T14:49:30.896819+00:00"
  },
  "licence": "Open Government Licence v3.0",
  "licence_url": "https://www.nationalarchives.gov.uk/doc/open-government-licence/version/3/",
  "attribution": "Contains public sector information licensed under the Open Government Licence v3.0. Source: legislation.gov.uk, The National Archives."
}