Consultations

Through these consultations, the European Payments Council (EPC) collected feedback on potential changes to future versions of multiple rulebooks, including those for (Instant) SEPA Credit Transfer (SCT & SCT Inst), SEPA Direct Debit, Core and Business-to-Business (SDD Core & SDD B2B), and One-Leg Out Instant Credit Transfer (OCT Inst).

• Deadline: June 11, 2026

• Organisation: European Payments Council

• Consultation SCT(opens in new window)
  Consultation SCT Inst(opens in new window)
  Consultation SDD Core(opens in new window)
  Consultation SDD B2B(opens in new window)
  Consultation OCT Inst(opens in new window)

This decision sets out detailed rules regarding access to cash and the continuity of cash transport. For example, it includes requirements for ATM infrastructure and maximum fees for withdrawals and deposits. This further elaborates on the Cash Payments Act. These rules are intended to ensure that cash remains accessible, available, and affordable. As a result, citizens and businesses can continue to use cash. This way, everyone can continue to pay as they wish, and there is a fallback option in case of card payments failures.

• Deadline: April 27, 2026
• Organization: Ministry of Finance
• View the public consultation(opens in new window) (in Dutch)
• Read the joint response from the Dutch Payments Association and the NVB (in Dutch)

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(opens in new window) (in Dutch)

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

• Response to Implementation Act on the Revised Consumer Credit Directive (in Dutch)

• Comments on the Implementation Act and Implementation Decree for the Regulation on Instant Payments in Euros (in Dutch)
• Comments on SEPA Request-to-Pay Scheme Rulebook Change Requests
• Comments on Change Requests for the EPC Payment Scheme Rulebooks
  • SEPA Credit Transfer Rulebook
  • SEPA Instant Payment Rulebook
  • SEPA Direct Debit Core Rulebook
  • SEPA Direct Debit B2B Rulebook
• Response to Verification of Payee Scheme Rulebook
• 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”(opens in new window)

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

• Response to draft proposal for the Implementation Act on Access to Basic Bank Accounts(opens in new window) (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”