Consultations
On behalf of its members, the Dutch Payments Association provides input on collective, non-competitive matters in the field of payments to parties involved in the European and national legislative process.
Last updated: April 2, 2026
Current consultations
- The European Payments Council (EPC) has launched a public consultation on the interoperability of payment solutions based on the SCT Inst scheme at the Point of Interaction (POI)(opens in new window) . Through this consultation, the EPC aims to gather feedback on requirements and key considerations regarding the interoperability of instant payment-based solutions at the Point of Interaction (POI) and the EPC’s potential role in this regard. Interested parties may submit their responses until 6:00 p.m. (Brussels time) on April 10, 2026.
- On March 16, the Ministry of Finance published the consultation “Decision on Cash Payments (Besluit chartaal betalingsverkeer in Dutch).”(opens in new window) This decision contains detailed rules regarding access to cash and the continuity of cash transport. The deadline for this consultation is April 27, 2026. The Dutch Payments Association will respond to this consultation in consultation with the members directly involved.
- The European Payments Council (EPC) has launched a public consultation on potential changes to the SEPA Credit Transfer (SCT) Rulebook(opens in new window) . Through this consultation, the EPC seeks feedback on potential amendments that could be included in a future version of the SCT Rulebook. Interested parties may submit their responses until 5:00 p.m. CET on June 11, 2026.
- The European Payments Council (EPC) has launched a public consultation on potential changes to the SEPA Instant Credit Transfer (SCT Inst) Rulebook(opens in new window) . Through this consultation, the EPC seeks feedback on potential amendments that could be included in a future version of the SCT Inst Rulebook. Interested parties may submit their comments until June 11, 2026, at 5:00 p.m. CET.
- The European Payments Council (EPC) has launched a public consultation on potential changes to the SEPA Direct Debit (SDD) Core Rulebook(opens in new window) . Through this consultation, the EPC seeks feedback on potential amendments that could be included in a future version of the SDD Core Rulebook. Interested parties may submit their comments until June 11, 2026, at 5:00 p.m. CET.
- The European Payments Council (EPC) has launched a public consultation on potential changes to the SEPA Direct Debit (SDD) Business-to-Business (B2B) Rulebook(opens in new window) . Through this consultation, the EPC seeks feedback on potential amendments that could be included in a future version of the SDD B2B Rulebook. Interested parties may submit comments until 5:00 p.m. CET on June 11, 2026.
- The European Payments Council (EPC) has launched a public consultation on potential changes to the One-Leg Out instant payment (OCT Inst) Rulebook(opens in new window) . Through this consultation, the EPC seeks feedback on potential amendments that could be included in a future version of the OCT Inst Rulebook. Interested parties may submit comments until June 11, 2026, at 5:00 p.m. CET.
- The European Payments Council (EPC) has launched a public consultation on proposed changes to version 2.0 of the Verification of Payee (VOP) Rulebook(opens in new window) . This consultation is part of the EPC’s regular change management process for its payment schemes. Interested parties may submit comments until June 30, 2026, at 6:00 p.m. CET.
Recently closed consultations
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Implementation decision on the revised Consumer Credit Directive
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.
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Deadline: February 2, 2026
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Organization: Ministry of Finance
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View the public consultation(opens in new window) (in Dutch)
- Read the joint response from the Dutch Payments Association and NVB (in Dutch)
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Implementation Act for the revised Consumer Credit Directive
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(opens in new window) (in Dutch)
- Read the joint response from the Dutch Payments Association and NVB (in Dutch)
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Implementing Act and Implementing Decree for the Regulation on instant transfers in euros
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(opens in new window) (in Dutch)
- Read the response from the Dutch Payments Association (in Dutch)
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SEPA Request-to-Pay scheme Rulebook change requests
- Deadline: June 9, 2024
- Organization: European Payments Council (EPC)
- View the public consultation(opens in new window)
- Read the response from the Dutch Payments Association
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Change requests for the EPC payment scheme rulebooks
- Deadline: June 9, 2024
- Organization: European Payments Council (EPC)
- View the public consultation(opens in new window)
Responses from the Dutch Payments Association
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SEPA Credit Transfer rulebook – Read our response
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SEPA Instant Credit Transfer rulebook – Read our response
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SEPA Direct Debit Core rulebook – Read our response
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SEPA Direct Debit B2B rulebook – Read our response
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Verification Of Payee Scheme Rulebook
- Deadline: May 19, 2024
- Organization: European Payments Council (EPC)
- View the public consultation(opens in new window)
- Read the response from the Dutch Payments Association
Archive of responses to consultations
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2024
- Response to “Internet consultation on the Cash Payments Act” (in Dutch)
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2023
- 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”
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2022
- 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)”
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2016
- 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)