Consultations

The decision sets out rules for offering consumer credit. These include rules on when a credit provider must check a customer’s financial information before granting consumer credit and when a credit provider must consult the Credit Registration Office (BKR) register before granting credit to a consumer. These rules are intended to protect consumers. The rules on registering credit in the BKR are not covered by this implementation. The starting point of the bill and the decision to implement the revised Consumer Credit Directive (CCDII) is that the current situation regarding BKR registrations will remain unchanged.

• Deadline: February 2, 2026

• Organization: Ministry of Finance

• View the public consultation (in Dutch)

• Read the joint response from the Dutch Payments Association and NVB (in Dutch)

The Implementation Act for the revised Consumer Credit Directive implements Directive (EU) 2023/2225 on credit agreements for consumers (also known as the Consumer Credit Directive II, or CCDII). You can give your opinion on the draft regulation and the draft explanatory memorandum. In addition, the Consultation Document on private leasing asks for your opinion on the possible regulation of certain private leasing agreements.

• Deadline: May 13, 2025
• Organization: Ministry of Finance, Ministry of Justice and Security
• View the public consultation (in Dutch)
• Read the joint response from the Dutch Payments Association and NVB (in Dutch)

This bill and draft decree transpose the European Regulation on instant transfers in euros into Dutch law. Under this directive, Member States must ensure that payment service providers send and receive instant transfers. An instant transfer is a transfer that is credited to the recipient’s account within seconds.

• Deadline: October 20, 2024
• Organization: Ministry of Finance
• View the public consultation (in Dutch)
• Read the response from the Dutch Payments Association (in Dutch)

• Deadline: June 9, 2024
• Organization: European Payments Council (EPC)
• View the public consultation
• Read the response from the Dutch Payments Association

• Deadline: June 9, 2024
• Organization: European Payments Council (EPC)
• View the public consultation

Responses from the Dutch Payments Association

• SEPA Credit Transfer rulebook – Read our response

• SEPA Instant Credit Transfer rulebook – Read our response

• SEPA Direct Debit Core rulebook – Read our response

• SEPA Direct Debit B2B rulebook – Read our response

• Deadline: May 19, 2024
• Organization: European Payments Council (EPC)
• View the public consultation
• Read the response from the Dutch Payments Association

• Response to “Internet consultation on the Cash Payments Act” (in Dutch)

• Response to the European Commission’s proposal for a Payment Services Regulation (PSR)
• Response to the European Commission’s proposal for a new Payment Services Directive (PSD3)
• Response to “European Commission proposal for legislation and regulations to introduce instant payments quickly and widely across the eurozone”

• Response to “public consultation on the SEPA Payment Account Access Scheme Rulebook”
• Response to “a possible additional functionality of the SEPA Payment Account Access (SPAA) Scheme’s Rulebook”
• Response to “Implementation decision on accessibility requirements for banking services”
• Response to “Targeted consultation on the review of the revised Payment Services Directive (PSD2)”

• Response to the Digital Operational Resilience Act (DORA), on digital operational resilience for the EU financial services sector

• Response to EBA consultation on “Technical Standards on the EBA Register under PSD2”
• Response to draft proposal “GDI, Generic Digital Infrastructure Act, digital access to government services”

• Response to draft proposal for the Implementation Act for the revised Payment Services Directive (PSD2)
• Response to EBA consultation on “Guidelines on the criteria on how to stipulate the minimum monetary amount of the professional indemnity insurance under PSD2”
• Response to EBA Consultation Paper on “RTS specifying the requirements on strong customer authentication and common and secure communication under PSD2
• Response to EBA consultation on ”Guidelines on major incidents reporting under PSD2″
• Response to draft proposal for Implementation Decree on Payment Accounts Directive

• Response to draft proposal for the Implementation Act on Access to Basic Bank Accounts (in Dutch)
• Response to the European Commission’s Green Paper on “Retail financial services: better products, more choice, and greater opportunities for consumers and businesses”